PRIVACY POLICY

Effective Date : 12 April 2025

Company : SM Infotech Solutions

Website : https://growwinterestmoney.com/

 

1. Introduction

At SM Infotech Solutions, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store and safeguard your data when you use our platform. By accessing or using our services, you consent to the practices described here.

2. Information We Collect

a. Personal Information

  • Full Name
  • Email Address
  • Mobile Number
  • Date of Birth
  • Residential Address

b. KYC (Know Your Customer) Information

  • Aadhaar Number (last 4 digits or masked copy)
  • PAN Card Number
  • Scanned copies of Aadhaar / PAN (if required)
  • Selfie or live photo (for verification)

🔐 All KYC documents are securely encrypted and stored in compliance with regulatory standards. We never share your Aadhaar or PAN details publicly.

c. Financial & Transactional Data

  • Deposit amounts
  • Wallet balance and reward activity
  • Payment method details (UPI, bank information)

d. Technical Information

  • IP address
  • Browser / device details
  • Access timestamps

e. Usage Data

  • Pages visited
  • Time spent on the platform
  • Click / activity logs

3. How We Use Your Information

  • Verify identity (KYC) and maintain regulatory compliance.
  • Create and manage user accounts.
  • Process transactions and assign rewards.
  • Detect fraud and ensure platform security.
  • Provide customer support and comply with legal obligations.
  • Analyse and improve user experience.

4. Sharing of Information

We do not sell or rent your information. We may share limited data only with:

  • Payment gateways (e.g., Razorpay) to process deposits.
  • Verification partners for Aadhaar / PAN validation.
  • Regulatory authorities when legally required.
  • Trusted service providers (hosting, analytics) under strict confidentiality agreements.

5. Data Security

Your KYC and financial data are protected through:

  • End‑to‑end encryption
  • Secure cloud storage
  • Restricted internal access
  • SSL‑secured transactions

While we strive to safeguard your data, no digital transmission is 100% secure. Protect your login credentials and notify us of any suspicious activity.

6. Data Retention

We retain personal, KYC and transaction data:

  • As long as your account remains active.
  • As required for legal and regulatory purposes (typically 5 – 7 years).
  • Until you request deletion, unless restricted by law.

7. Your Rights

You have the right to:

  • Access your stored personal and KYC data.
  • Request updates or corrections.
  • Withdraw your consent for us to process your personal data (this may restrict access to some account features).
  • Request account and data deletion (subject to regulatory obligations).

To exercise these rights, contact us through the channels below.

8. Children’s Privacy

Our platform is intended for users 18 years and above. We do not knowingly collect data from minors. Accounts identified as underage will be deactivated and data removed.

9. Cookies & Tracking

Cookies help personalise content and analyse usage. By continuing to use our website, you agree to our cookie policy.

10. Compliance with the Information Technology Act, 2000

• We adhere to the IT Act 2000 and applicable rules to protect sensitive personal data.
• Data collection and processing occur only with user consent.
• We retain data only as necessary and securely delete it thereafter.
• Users may raise privacy concerns with our Grievance Officer at support@sminfotechsolutions.com.
• In case of a data breach, we will notify affected users and authorities as required by law.
• We may update this Policy to comply with changes in IT laws and will notify you of material changes.

11. Changes to This Policy

We may revise this Privacy Policy periodically. Updated versions will be posted on the Platform with a new “Effective Date.” Continued use after revisions signifies acceptance of the updated terms.

12. Contact Information

Email : support@sminfotechsolutions.com

Phone : +91 7776801989

Address : Office No 06, Khandekar Arcade, Lohegaon Road, Gore Wasti Rd, Opp. MARVEL FRIA, Wagholi, Pune, Maharashtra 412207

 

Š 2025 SM Infotech Solutions. All rights reserved.