Privacy Policy

Applies to smfintech.com and all mobile apps on our platform

Last updated: 19 August 2026 | Entity: SM Enterprises (est. 2014) | [email protected]

This Privacy Policy describes how SM Enterprises collects, uses, stores, shares and protects personal information when you use smfintech.com, our IT services, mobile applications (including white-label partner apps with different package names on Google Play), APIs and digital platform services.

1. Scope — all apps & tenants

Partner-branded apps may show different names or package identifiers. If the app uses SM Enterprises infrastructure, this policy applies. SM Enterprises is the platform operator for data processing described here.

2. Nature of our business

SM Enterprises is primarily a technology and software services provider (since 2014). Our fintech platform enables digital recharge, BBPS bill payment and wallet services. We are not a bank or NBFC. Payment collections use RBI-authorised payment aggregators/gateways (e.g. Cashfree, Razorpay, PayU). Optional banking-channel features use licensed partner institutions.

3. Information we collect

3.1 You provide

Name, mobile, email, business details (for B2B)
Login credentials (passwords hashed)
KYC data (Aadhaar, PAN, etc.) only where legally required for a service
Beneficiary details only for enabled partner-banking features
Support and grievance communications

3.2 Automatic / transaction

Recharge, bill pay, wallet transaction logs
Device, OS, app version, IP, package name (tenant routing)
Fraud-prevention and audit logs

3.3 Payments

Processed by authorised gateways. We do not store full card numbers, CVV or UPI PIN. We receive payment references and status from gateway partners per their privacy policies.

3.4 Verification APIs

Identity verification (Aadhaar/PAN/GST checks) is used only for lawful KYC onboarding on our platform via authorised providers — not for unauthorised resale of personal data.

4. How we use data

Deliver IT projects and platform services contracted with you
Process recharge, BBPS, wallet and enabled partner-banking features
KYC/AML compliance where applicable
OTP, receipts and service notifications
Fraud prevention and legal compliance
Improve platform reliability and support

5. Sharing

We may share data with: telecom operators, BBPS billers, authorised payment gateways, licensed banking partners (for enabled features), KYC verification providers, cloud hosts, and regulators when required by law. We do not sell personal data for marketing.

6. Retention

Retained while accounts are active and as required for tax, audit and regulatory obligations (often 5–8 years for financial records).

7. Security

HTTPS/TLS, access controls, audit logging and secure credential storage. No transmission method is 100% secure.

8. Your rights

Request access, correction or deletion where legally permitted via [email protected] or Grievance Redressal.

9. Children

Services not directed to persons under 18.

10. Changes

Updates posted on this page with revised date.

11. Grievance officer

SM Enterprises
[email protected] | +91 97538 31508
164 Sherpur, Gohad, Bhind – 477117