PRIVACY POLICY
We are committed to the protection of Information provided by the users to us. You agree that your use of Smart Wallet Pay services or our interface implies your consent to the collection and use of your Information in accordance with the terms of this Privacy Policy ("Privacy Policy").
We take the privacy of our users seriously. We are committed to safeguarding the privacy of our users while providing a personalized and valuable service. In addition to this Privacy Policy, we have taken the following steps to further safeguard your privacy.
General
Smart Wallet Pay has established a set of "Binding Corporate Rules". These Binding Corporate Rules are a commitment by Smart Wallet Pay to protect your Information regardless of where the data resides. Depending upon where you live, the Binding Corporate Rules may provide additional privacy rights through your local privacy regulator or government. For more information about our Binding Corporate Rules, including information on how to contact us with any questions, write to us at alerts@smartwalletpay.com
Traffic Data Collected
We automatically track and collect the following categories of information when you visit our Website:
1. IP addresses.
2. Domain servers.
3. Types of computers accessing the Website.
4. Types of web browsers used to access the Website.
5. Referring source which may have sent you to the Website.
6. Other information associated with the interaction of your browser and the Website (collectively Traffic Data).
Information Collected from You
In order for you to access certain areas of the Website, we may require you to provide us with certain information ("Personal Information"). Personal Information includes the following information:
1. Your full name, address, e-mail address, telephone number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request.
2. Details of any transactions you carry out through our Website using your Smart Wallet Pay account and of the fulfilment of your requests.
3. Your participation in any promotion sponsored by us;
4. Correspondence that you send us.
5. Calls that we make to you or you make to us.
6. Information collected through cookies. Please see Paragraph I (Cookies) of this Privacy Policy for more details.
7. Your IP address, log-in times, operating system and browser type.
Use and Storage of Information
We use your Information for the following purposes:
1. To operate and administer your Smart Wallet Pay account and to provide services that you have requested.
2. To carry out your instructions to make and receive payments and undertake transactions using our services, including verifying that you have sufficient funds in your Smart Wallet Pay wallet to make such payments.
3. To allow you to participate in interactive features of the Website.
4. To notify you about changes to our service's.
5. To improve our internal customer training.
6. To comply with financial services regulations including retention of financial information and transactions.
7. For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks.
8. for customer service, including answering questions and responding to feedback and complaints.
9. To enhance the security of our services.
10. To provide you with information, products or services that you request from us or which we feel may interest you.
Disclosure of Information
We do not disclose your Information to any third parties other than the Website's affiliates and the following:
1. the police, other lawful enforcement body, regulatory body or court if we are under a duty or required by law to disclose or share your personal data , or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others.
2. Financial institutions with whom we partner to jointly provide better services, facilities or products to you. These financial institutions may only use your information for providing to you their services and market Smart Wallet Pay related products without requiring your further consent.
3. Third parties where you have expressed an interest in receiving information about their goods and services.
4. Third parties who referred you to us initially and to whom we owe a commission payment as a result of the referral. Where the commission payment is based on transaction volumes, numbers or types of transactions, we may share that information with that third party, but we will not disclose the full details of each of your transactions without your further written consent.
Communications
We may contact you via the e-mail address and phone number registered with your Smart Wallet Pay account. You may also receive system-generated transactional e-mails such as confirmations, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your Smart Wallet Pay account. You expressly consent to receive such communications from us, irrespective of whether your phone number is registered on the National Do Not Call Registry.
Phishing
1. Phishing is the name given to attempts to steal personal details and financial account details from a website user. "Phishers" use fake or "spoof" emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords.
2. If you receive such an e-mail or are asked for your password by anyone claiming to work for us please forward the e-mail or report the incident by e-mail to our Data Protection Officer.
Cookies
1. "Cookies" are small computer files that are transferred to your computer's hard drive that contain information such as user ID, user preferences, lists of pages visited and activities conducted while browsing the Website. At your option, expense and responsibility, you may block cookies or delete cookies from your hard drive. However, by disabling cookies, you may not have access to the entire set of features of the Website.
2. Generally, we use Cookies to customize your experience on our Website and to store your password so you do not have to re-enter it each time you visit the Website.
3. In addition, our business partners may use Cookies to provide us with anonymous data and information regarding the use of our Website. Specifically, some of our business partners use Cookies to show the Website's ads on other websites on the internet as a result of you using the Website. Such Cookies do not contain any Information. You may opt out of receiving Cookies placed by such third party vendors by visiting the opt-out page.
4. Other Cookies used by our business partners may collect other non-personally identifying information, such as the computer's IP address, type of operating system, type of internet browsing software, what web pages were viewed at what time, the geographic location of your internet service provider and demographic information, such as gender and age range. This information is used to provide the Website with more information about our user's demographics and internet behaviours. You may find out more about the information collected and how to opt-out of receiving these Cookies by visiting our partner's website.
5. We do not link the information stored in these Cookies directly to any of your Information you submit while on the Website.
6. In order to comply with legislation, we have reviewed the use of Cookies on our Website and set out the information below. This is to ensure that you are aware of these cookies and are able to give your consent for the placing of some or all of these cookies on your device when you use our Website. In summary, we use the following types of cookies.
1. Strictly Necessary Cookies These are cookies which are essential for our Website to operate such as those which identify you so you can log into your Smart Wallet Pay account. They allow you to move around our Website and use the services you have requested. These Cookies will be activated when you enter our Website and as you use our Website.
2. Compliance Cookies These include Cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations, and prevent your Smart Wallet pay account from being hijacked. These cookies will be activated when you enter our Website and as you use our Website.
3. Performance Cookies These are Cookies that help us to improve how our Website works and to deliver a better service to you. For example, they will assess which pages you visit most often or if you get an error message. They also allow us to see if you have used the Website of one of our group or affiliated companies. All information collected by these Cookies is aggregated and therefore anonymous.
4. Functionality Cookies These Cookies allow us to deliver a more personalized service to you and allow our Website to remember choices you have made such as the language you prefer or the region you are in. They may also be used to provide services you have requested such as being able to comment on one of our blogs.
5. Third Party Cookies When you visit a page on our Website with content embedded from third parties, for example, YouTube or Twitter, Cookies may be downloaded onto your device. We do not set or control these Cookies. If you are concerned about the types of Cookies that may be downloaded you check the third party websites for more information about these Cookies. We may use other Cookies from time to time in accordance with this Privacy Policy. By using our Website and other online services, you acknowledge that we may use some or all of the Cookies set out in this Privacy Policy and you agree that we can place performance and functionality Cookies on your device when you use our Website. If you do not agree to this you should cease using our Website and online services or adjust your browser settings.
6. Blocking Cookies Should you want to continue using our services but restrict our use of Cookies, you can block Cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all Cookies (including Strictly Necessary and/or Compliance Cookies, as described above) you may not be able to access all or parts of our Website. Our Website may issue some of the Cookies described above as soon as you visit our Website unless you have adjusted your browser setting so that it will refuse Cookies.
Web Beacons
In limited circumstances we also may use "Web Beacons" to collect anonymous, non-Information about your use of our Website and the websites of selected sponsors and advertisers, and your use of e-mails, special promotions or newsletters we send to you. Web Beacons are tiny graphic image files imbedded in a web page or email that provide a presence on the web page or e-mail and send back to its home server information from the user's browser. The information collected by web beacons allows us to statistically monitor how many people are using the Website and selected sponsors' and advertisers' websites, or opening our e-mails, and for what purposes.
Security Checks, Review and Releases
To maintain a high level of security, we reserves the right to conduct a security review at any time to validate your identity, verify your financial transactions and further document your consent to this Agreement. To facilitate these security checks, you agree to provide such identification or other information or documentation as we, in our sole and unfettered discretion, deem necessary. If you fail to comply with any security request, we reserve the right to void your Smart Wallet Pay account. You will be notified of such verification request by e-mail or telephone and your Telecom Ad Indi aaccount balances will be forfeited if you fail to provide us with such requested documentation and information within the time period reasonably specified by us. Such request for documentation and information may include a sworn affidavit of identity and eligibility, release of liability in favour of us and publicity authorization.
User Choice You may choose not to provide us with any Information while accessing the Website. In such an event, you can still access much of the Website; however you will not be able to access and use those portions of the Website that require your Information.
Confidentiality and Security Except as otherwise provided in this Privacy Policy, we will keep your Information private and will not share it with third parties, unless we believe in good faith that disclosure of your Information or any other information we collect about you is necessary to:
1. Complete with a court order or other legal process.
2. Protect the rights, property or safety of Smart Wallet Pay or another party.
3. I give consent to Smart Wallet Pay to collect KYC documents from PSUs and Government agencies on my behalf.
4. Enforce our Terms of Use.
5. Respond to claims that any posting or other content violates the rights of third parties.
Updates and Changes to Privacy Policy
We reserve the right, at any time, to add to, change, update, or modify this Privacy Policy so please review it frequently. If we do, then we will notify you here, as well as by posting a notice on our Website and, where appropriate, a link to the modified policy so that you can review it. In all cases, use of information we collect is subject to the Privacy Policy in effect at the time such information is collected. Restriction of Liability
1. We makes no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of this Website and expressly disclaim liability for errors and omissions in the contents of this Website.
2. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given with respect to the contents of the Website or its hyperlinks to other internet resources.
3. Reference in this Website to any specific commercial products, processes, or services, or the use of any trade, firm or corporation name is for the information and convenience of the public, and does not constitute endorsement, recommendation, or favouring by us.
4. The contents of this website are under copyright and/or trademark of their original author(s) unless otherwise noted on the page itself. If you have questions or concerns, feel free to e-mail us or to correspond at Smart Wallet Pay Helpdesk and we will attempt to address your issue.
Public Information
Any information that you may reveal in a review posting or other online discussion or forum is intentionally open to the public and is not in any way private. You should think carefully before disclosing any personally identifiable information in any public forum. What you have written may be seen and/or collected by third parties and may be used by others in ways we are unable to control or predict.