Effective Date: 05 December 2025
Smart FinServ (“we”, “our”, “us” or “the App”) is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, and how we safeguard it.
By using Smart FinServ, you consent to the practices described in this policy.
We collect only the information necessary for identity verification, KYC compliance, loan processing, and fraud prevention.
Name
Mobile number
Email address (optional)
Collected only when you apply for a loan or complete KYC:
Aadhaar number
PAN number
Address and proof of address
Employment details
Bank account details
Images of Aadhaar, PAN, Passbook, or other KYC documents
Selfie for identity verification
We only access documents that you manually upload or capture through the camera.
Smart FinServ requires foreground (while-in-use) location access as a mandatory part of the KYC and loan verification process.
Location is used exclusively for:
Verifying your residential address
Confirming your physical presence during loan/KYC
Preventing identity fraud
Meeting financial compliance guidelines
We do NOT collect background location.
We do NOT track your movement.
We access location only when the app is in use and you perform a KYC or loan action.
We require the name and mobile number of two nominee contacts.
You manually select contacts using the contact picker
We do NOT read or upload your full contact list
Only the selected nominee contact details are used for verification
Device model
Android version
App interaction logs
Used only to improve performance, troubleshoot issues, and enhance security.
❌ Call logs
❌ SMS content
❌ Your entire contact list
❌ Browsing history
❌ Payment card information
❌ Background location
We use your information strictly for:
Completing digital KYC verification
Processing and evaluating loan applications
Verifying the accuracy of user-provided address
Contacting nominee references when required
Ensuring regulatory compliance (RBI guidelines)
Improving app security and user experience
We do not use your information for marketing unless you give explicit consent.
Smart FinServ asks for permissions only when necessary:
To capture KYC documents and selfie verification.
To verify your location during loan/KYC submission.
Location is mandatory for app functionality.
To automatically verify your phone number.
Only used for selecting nominee contacts.
We do not access contacts without your action.
To upload KYC document images chosen by the user manually.
We do not sell or rent your personal data.
Your information may be shared only with:
Authorized staff involved in loan processing
Regulated financial partners (where applicable)
Government agencies when legally required
All sharing is done securely and lawfully.
We use advanced security measures including:
Encrypted communication (HTTPS/SSL)
Secure servers
Restricted access to sensitive data
Regular security audits
We ensure your data is protected from unauthorized access, misuse, or disclosure.
You can:
Access your own information
Update incorrect details
Request deletion of your data (except where legally required to retain)
To make a request, email us at info@smartglobalsolutions.in.
We retain your data only for:
Legal compliance
Fraud prevention
Loan servicing requirements
After the required retention period, your data is securely deleted.
Smart FinServ is not intended for individuals below 18 years.
We do not knowingly collect information from minors.
We may update this Privacy Policy when required.
Any changes will be posted with an updated effective date.
If you have questions or concerns about this Privacy Policy, contact us:
Smart Global Solutions
Email: info@smartglobalsolutions.in
Address: No.22 B, 9th Street, Sri Krishna Nagar,
Irugur, Tamil Nadu – 641103, India