# 🔐 SMART PAYMENTS – Privacy Policy
**Last Updated:** 01-09-2026
## Introduction
Welcome to **SMART PAYMENTS**!
This Privacy Policy explains how **SMART PAYMENTS** ("we", "us", or "our") collects, uses, stores, discloses, and protects your information when you use our mobile application, website, and related services ("App" or "Platform").
By accessing or using our App or Platform, you acknowledge that you have read and understood this Privacy Policy.
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## 1. Information We Collect
We may collect and process the following types of information:
### Personal Information
We may collect information such as:
- Name
- Mobile number
- Email address
- Shop name
- Shop address
- Pincode
- Username and account details
- Other information voluntarily provided during registration or while using our services
### Transaction Information
When you use our recharge and payment services, we may collect information related to:
- Recharge transactions
- Transaction amount
- Mobile number or customer details required for the transaction
- Operator and service details
- Transaction ID / reference number
- Wallet and balance-related information
- Transaction status
### Device Information
We may collect certain information about the device used to access our App, including:
- Device model
- Operating system and version
- App version
- Device identifiers
- Network information
### Usage Data
We may collect information about how you use our App, including:
- Features accessed
- Pages viewed
- Actions performed
- Date and time of activities
- App performance and diagnostic information
### Location Information
If required for specific features and if you grant permission, we may collect device location information.
You may control location permissions through your device settings.
### Log Data
Our servers may automatically collect certain technical information when you access or use our Platform, including:
- IP address
- Browser type
- Device information
- Access time
- Pages or features accessed
- Error and diagnostic information
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## 2. How We Use Your Information
We may use the information collected for the following purposes:
- To create and manage user and retailer accounts.
- To provide and maintain our services.
- To process mobile recharge and DTH recharge transactions.
- To process payment and wallet-related services.
- To provide transaction confirmations and notifications.
- To provide customer and retailer support.
- To communicate important service-related information.
- To improve the functionality and performance of our App.
- To monitor and analyse usage and trends.
- To detect and prevent fraud, misuse, and unauthorized activities.
- To maintain the security of our Platform.
- To comply with applicable laws, regulations, and legal requirements.
- To enforce our Terms and Conditions and other applicable policies.
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## 3. Sharing of Information
We do not sell or rent your personal information to third parties.
We may share information when reasonably necessary with:
### Service Providers
We may work with third-party service providers such as:
- Recharge service providers
- Telecom and DTH operators
- Payment gateways
- Technology and hosting providers
- Customer support providers
- Security and fraud-prevention service providers
Such providers may access information only as necessary to perform services on our behalf and subject to applicable obligations.
### Legal and Regulatory Requirements
We may disclose information when required or permitted by applicable law, regulation, legal process, court order, or valid request from government or regulatory authorities.
### Protection of Rights
We may disclose information when reasonably necessary to protect the rights, property, safety, security, or interests of SMART PAYMENTS, our users, or others.
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## 4. Data Security
We take reasonable administrative, technical, and organizational measures to protect your information against unauthorized access, alteration, disclosure, misuse, or destruction.
However, no method of transmission over the Internet or electronic storage system is completely secure. Therefore, we cannot guarantee absolute security of your information.
You are also responsible for keeping your username, password, OTP, and other account credentials confidential.
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## 5. Data Retention
We retain personal and transaction information for as long as reasonably necessary to:
- Provide our services.
- Maintain transaction and business records.
- Resolve disputes and customer support requests.
- Prevent fraud and misuse.
- Comply with legal, regulatory, accounting, and reporting requirements.
When information is no longer required, we may securely delete or anonymize it, subject to applicable legal requirements.
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## 6. Your Data Protection Rights
Depending on applicable law, you may have certain rights regarding your personal information, including:
### Access
You may request access to personal information that we hold about you.
### Correction
You may request correction or updating of inaccurate or incomplete information.
### Deletion
You may request deletion of your personal information, subject to applicable legal, regulatory, transaction, and business record requirements.
### Withdrawal of Consent
Where processing is based on your consent, you may withdraw your consent, subject to applicable limitations.
### Objection
Where applicable, you may object to certain types of processing of your personal information.
To exercise your applicable rights, please contact us using the contact details provided below.
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## 7. Cookies and Similar Technologies
Our website or App may use cookies, local storage, or similar technologies to improve functionality, security, performance, and user experience.
You may be able to control or disable cookies through your browser or device settings. Disabling certain technologies may affect the functionality of some services.
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## 8. Third-Party Links and Services
Our App or website may contain links to third-party websites, applications, or services.
We are not responsible for the privacy practices, security, or content of third-party services.
We recommend reviewing the privacy policies of third-party services before providing them with your personal information.
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## 9. Children's Privacy
Our services are not intended for children where use of the services is prohibited by applicable law.
We do not knowingly collect personal information from children in violation of applicable legal requirements.
If you believe that a child has provided personal information to us improperly, please contact us so that we can take appropriate action.
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## 10. Changes to This Privacy Policy
We may update or modify this Privacy Policy from time to time.
When we make changes, we will update the **"Last Updated"** date at the top of this page.
We encourage users to review this Privacy Policy periodically to stay informed about how we protect and use information.
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## 11. Contact Us
If you have any questions, concerns, requests, or complaints regarding this Privacy Policy or the handling of your information, please contact us:
**SMART PAYMENTS**
🌐 **Website:** smartpayments.in
📧 **Email:** admin.smartpayments@gmail.com
📞 **Phone:** 91 83283 90854
💬 **WhatsApp:** 91 83283 90854
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**© 2026 SMART PAYMENTS. All Rights Reserved.**