Welcome to the SMC Finance App ("We," "Our,", “App” or "Us").We respect the privacy of everyone who visits Us and are committed to maintain and protect the privacy, security of the personal information of all the visitors. This Privacy Policy outlines our practices concerning the access, collection, use, handling and sharing of information and data from our App, and limiting the use of the data when the visitors use our mobile application and/or our website (collectively, the "Services").

We use your Personal and Sensitive user data only for furnishing and improving our Services. By using our Services , you accord and provide your free consent to the collection and usage of data in accordance with this privacy policy (“Policy”).

The information contained in the App is for general information purposes only on "as is" basis without any representations or warranties. While we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website, application or the information, products, services, or related graphics contained on the website and application for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Please read this Privacy Policy carefully to understand our practices and how we handle your personal and sensitive user data and information. By accessing the App and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access the App or any pages thereof.

TERMS OF USE

The information and materials contained in the App - and the terms, conditions, and descriptions that appear - are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final SMC’s determination and acceptance. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the App up and running smoothly. However, we take no responsibility for, and will not be liable for, the App being temporarily unavailable due to technical issues beyond Our control. This App and its contents is copy right of SMC. All rights are reserved. Nothing on this App constitutes, or is meant to constitute, advice of any kind.

WHAT INFORMATION DO WE COLLECT?

1. Personal and Sensitive user data and Information: When you use Our app, we may collect personal and Sensitive user data and information which includes, but not limited to, personally identifiable information, authentication information, phonebook, contacts, device location, SMS and call-related data, health data, health connect data, inventory of other apps on the device, microphone, camera, and other sensitive device or usage data.
2. User Credential and Financial Information: We may collect financial information, including bank account details, financial investment strategy, investment background, credit history, and transaction details when you apply for a loan through Our app and documents provided to Us for verifying your identity such as passports, utility bills, bank account statements etc.
3. Device Information: We may collect information about the device you use to access our App, such as device type, operating system, and unique device identifiers.
4. Usage Information: We may collect information about how you use the App, including your interactions with the App's features and content, your number of visits on the App, average length of visits.
5. Location Information: With your permission, we may collect your device's location information to provide location-based services.

We may combine your information, automatically gathered information and the information we collect through cookies/web beacons / web bugs, including information that we have collected about you, or information that we have obtained from other sources. We may aggregate any statistics or data that are collected, but we are under no obligation to do so.

WHAT DO WE USE YOUR INFORMATION FOR?

Any of the information we collect from you may be used in one of the following ways:

1. to personalize your experience (Your information helps Us to better respond to your individual needs);
2. to improve Our website/App (We continually strive to improve our website/App offerings based on the information and feedback We receive from you);
3. to improve customer service (Your information helps Us to more effectively respond to your customer service requests and support needs);
4. to process transactions (To provide you with the services you request, including processing loan applications and managing your account.);
5. To administer a contest, promotion, survey or other site feature;
6. To send periodic emails;
7. to protect the App and users from fraudulent activities and security threats;
8. maintaining and managing your account with Us;
9. providing advertising for products and services that might interest you;
10. evaluating your use of the Services;
11. keeping you updated on the issues that are relevant to your business relationship with Us;
12. to create products or services that may meet your needs;
13. for creation of statistical information,
14. monitoring your compliance with any terms and conditions associated with Our products and services, including to confirm your identity; and
15. performing other functions as described to you at the time of collection or pursuant to your consent.
16. To monitor the employee’s visits to customer, agents , vendors or any other third parties assigned to employees

The email address you provide may be used to send you information, newsletters (on subscription), respond to inquiries, and/or other requests or questions.

DO WE DISCLOSE ANY INFORMATION TO OUTSIDE PARTIES?

We shall not be held liable for disclosure of the customer Information or statistical information in accordance with this privacy commitment or in terms of any other agreements with you. Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested. We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.  This does not include  trusted  third  parties  who  assist  us  in  operating  our website/App, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the applicable law, enforce App policies, or protect Ours or others rights, property, or safety.  However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. We may share your information with third parties in the following circumstances:

Service Providers: We may share your information with third-party service providers who assist Us in delivering Our Services.

Legal Obligations: We may share or transfer data as necessary to third parties or for legal reasons such as to comply with a valid governmental request or any requirement under any applicable law with legally adequate notice to You. We do not exchange or transfer of personal and sensitive user data to a third party for monetary consideration. However, it is expressly clarified that when you as the user is using a feature of the App to transfer a file to a third party, or when you choose to use a dedicated purpose research study app, then in such scenario it will not be regarded as sale of personal and sensitive user data.

Business Transactions: In the event of a merger, acquisition, or sale of assets, We may share your information with the relevant parties with legally adequate notice.

We may disclose your information to third parties, without limitation, for the following reasons -

1. To enforce the terms and conditions of the products or Services;
2. To protect or defend our rights, interests and property or that of Our associates and affiliates, or that of Our or Our Affiliate's employees, consultants etc.;
3. For fraud prevention purposes;
4. As permitted or required by law;
5. For participation in any telecommunication or electronic clearing network;
6. For availing of the support services from third parties e.g. collecting subscription fees, and notifying or contacting you regarding any problem with, or the expiration of, any services availed by you; and
7. For the purposes of credit reporting, verification and risk management to/ with clearing house centers or credit information bureau and the like.

DO WE USE COOKIES?

To continually enhance your online experience, we use cookies i.e. small files that a site or its service provider transfers to your device storage through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information. We may use cookies and similar technologies to collect information about your browsing and usage patterns. We use cookies to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site/App traffic and site/App interaction so that We can offer better site/App experiences and tools in the future This information helps us understand customer interests and helps us improve Our website/App.

HOW DO WE PROTECT YOUR INFORMATION?

We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. We take reasonable measures to protect your information from unauthorized access, disclosure, alteration, or destruction. We have implemented technology and policies, with the objective of protecting your privacy from unauthorized access and improper use, and periodically review the same.

Data retention and deletion policy

You agree that we will be entitled to retain personal and sensitive data for 2 years or as per applicable law., whichever is higher, beyond which we delete all such personal and sensitive data and information collected from You.

Your Choices

You have the following choices regarding your information:

• Access and Correction: You can access and correct your personal information by contacting Us.
• Opt-Out: You can opt-out of receiving marketing communications from Us by following the instructions provided in such communications.

Changes to this Privacy Policy

This Privacy Policy is effective as of 28^th February 2024 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this App.

We set aside the right to update or modify our Privacy Policy at any time and you should check this Privacy Policy periodically. Any such changes will be effective immediately after posting on the website/App. We will notify you of any changes by posting the new policy on this page. Your continued use of the Service after we post any modifications to the Privacy Policy on this app will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

Children's Privacy

Our app is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18.

Contact Us

If you have any questions or enquiries about this Privacy Policy, please contact us at our toll free no 1800-118-818 and Email: nbfccare@smcfinance.com.