Privacy Policy

Personal Data Collection and Privacy Commitment

We collect and generate various data points about you. Data by which you are identified is termed as “Personal Data”. Personal Data does not include information that is freely available or accessible in the public domain.

Your privacy is of utmost importance to us, and the protection of your Personal Data is a key commitment for us.

We are governed by the provisions of applicable laws in India, including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, to maintain the privacy and security of your Personal Data.

What Personal Information About Customers Does Smiles Money (A Brand of Smiles Cards Marketing Pvt. Ltd.) Collect?

We collect your personal information in order to provide and continually improve our products and services.

The types of personal information we collect include:

Information You Give Us: We receive and store any information you provide in relation to Smiles Money Services. You may choose not to provide certain information; however, doing so may limit your ability to take advantage of many Smiles Money Services.
Automatic Information: We automatically collect and store certain types of information about your use of Smiles Money Services, including details of your interaction with content and services available through our platform. Like many websites and applications, we use cookies and other unique identifiers to collect information when your browser or device accesses Smiles Money Services or content served on behalf of Smiles Money on other websites.
Information from Other Sources: We may receive information about you from other sources, such as updated delivery or address information from service providers, which we use to correct our records and improve service delivery.

For What Purposes Does Smiles Money (A Brand of Smiles Cards Marketing Pvt Ltd) Use Your Personal Information?

We use your personal information to operate, provide, develop, and improve the products and services that we offer our customers. These purposes include:

Purchase and delivery of products and services. We use your personal information to take and fulfill orders, deliver products and services, process payments, and communicate with you about orders, products and services, and promotional offers.
Provide, troubleshoot, and improve Smiles Money Services. We use your personal information to provide functionality, analyze performance, fix errors, and improve the usability and effectiveness of the Smiles Money Services.
Recommendations and personalization. We use your personal information to recommend features, products, and services that might be of interest to you, identify your preferences, and personalize your experience with Smiles Money Services.
Provide voice, image, and camera services. When you use our voice, image, and camera services, we use your voice input, images, videos, and other personal information to respond to your requests, provide the requested service to you, and improve our services.
Comply with legal obligations. In certain cases, we collect and use your personal information to comply with laws. For instance, we collect information from sellers regarding place of establishment and bank account information for identity verification and other purposes.
Communicate with you. We use your personal information to communicate with you in relation to Smiles Money Services via different channels (e.g., phone, e-mail, chat).
Advertising. We use your personal information to display interest-based ads for features, products, and services that might be of interest to you. We do not use information that personally identifies you to display interest-based ads.
Fraud Prevention and Credit Risks. We use personal information to prevent and detect fraud and abuse in order to protect the security of our customers, Smiles Money Ltd, and others. We may also use scoring methods to assess and manage credit risks.

Purpose of Smiles Money (A Brand of Smiles Cards Marketing Pvt Ltd) Application

The Smiles Money application is used to perform recharges, BBPS services, and banking-related activities such as banking transactions, money transfer, Aadhaar Enabled Payment System (AEPS), Micro ATM services, UPI payment system, Collection UPI, and other related financial services.

Why We Are Using the Contact List?

We use the contact list to eliminate the need for users to manually type details. This enhances user convenience, improves user performance, increases application efficiency, and allows users to handle the application more easily.

What Information Do We Collect?

By providing us your information or by using the Smiles Money Services provided through the Smiles Money App or platforms, you hereby consent to the collection, storage, processing, disclosure, and/or transfer of your Personal Information, Sensitive Personal Information, and Non-Personal Information by Smiles Money Ltd Entities, as specified under this Privacy Policy.

Our primary goal is to provide you with a safe, efficient, smooth, and customized experience. This allows us to offer services and features that best meet your needs and to customize our application for improved usability and security.

Personal Information: Any information that relates to you and can be used to identify you directly or indirectly, including but not limited to:
- Name, parent’s name, address, telephone number, e-mail address, and demographic information
- Date of birth, gender, and marital status
- Information provided as part of Know Your Customer (KYC) requirements under applicable laws
- Information related to transactions processed on Smiles Money platforms, excluding payment instrument details
Sensitive Personal Information: Data or information relating to:
- Password
- Financial information such as bank account, credit card, debit card, or other payment instrument details
- Physical, physiological, or mental health condition
- Medical records and history
- Biometric information
- Any information related to the above shared by you