Privacy Policy

🔐 SMART PAYMENTS – Privacy Policy

Last Updated: 24-08-2026

Introduction

Welcome to SMART PAYMENTS! This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our mobile and web application ("App"). Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not use the App.

1. Information We Collect

We may collect and process the following types of information:

• Personal Information: Information that identifies you as an individual, such as your name, email address, phone number, shop name, address, etc. This information is collected when you voluntarily provide it to us.
• Device Information: We may collect information about your mobile device, including the hardware model, operating system and version, and unique device identifiers.
• Usage Data: We collect information about how you use the App, such as the features you use and the actions you take within the App.
• Location Data: If you grant permission, we may collect information about your device’s location to provide location-based services.
• Log Data: When you use the App, our servers may automatically record certain information, including your IP address, browser type, and the pages or features of our App that you accessed.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and maintain the App’s functionality.
• To process recharge, payment, and other services available through the App.
• To create and manage retailer accounts.
• To improve, personalize, and expand our App.
• To communicate with you, including sending notifications and responding to your inquiries.
• To monitor and analyse usage and trends to improve the user experience.
• To protect against, identify, and prevent fraud and other illegal activities.
• To comply with legal obligations and enforce our terms and policies.

3. Sharing of Information

We may share your information with:

• Service Providers: We may employ third-party companies and individuals to facilitate our App, provide services on our behalf, or perform App-related services. These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• Legal Compliance: We may disclose your information if required by law or in response to valid requests by public authorities, such as a court or government agency.

4. Security of Your Information

We take the security of your information seriously and use reasonable administrative, technical, and physical measures to protect the information we collect. However, please be aware that no security measures are perfect or completely impenetrable.

5. Your Data Protection Rights

Depending on your location, you may have the following rights regarding your Personal Information:

• Access: You can request access to the Personal Information we hold about you.
• Correction: You can request that we correct any inaccurate or incomplete Personal Information.
• Deletion: You can request that we delete your Personal Information, subject to applicable legal and business requirements and our Delete Account Policy.
• Objection: You can object to the processing of your Personal Information under certain circumstances.
• Withdrawal of Consent: If we are processing your Personal Information based on your consent, you have the right to withdraw your consent at any time.

To exercise any of these rights, please contact us using the contact details provided below.

6. Third-Party Links and Services

Our App may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third-party services. Third-party service providers may have their own privacy policies governing their collection and use of information.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date above. We encourage you to review this Privacy Policy periodically for any changes.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

SMART PAYMENTS
Email: admin.smartpayments@gmai.com
WhatsApp / Phone: 6380677633