SmartPay (hereinafter referred to as “SmartPay”, “Company”, “we”, “us”, or “our”) operates the SmartPay Web application,Mobile application, website, POS integrations, APIs, and related digital platforms (collectively, the “Platform”).
This Privacy Policy explains how we collect, use, process, store, and disclose your personal information when you access or use SmartPay’s bill payment, digital payment facilitation, POS-based financial services, and related offerings (collectively, the “Services”).
We are committed to protecting your privacy and ensuring that your personal data is handled securely and transparently. Please read this SmartPay Privacy Policy before using the Platform or submitting any personal information to SmartPay.
By using SmartPay services, you consent to lawful collection, processing, and sharing of your information as described herein.
We may update this Privacy Policy from time to time due to legal, regulatory, or operational requirements.
Updated versions will be posted on the Platform and become effective immediately upon publication. Where required, we may notify you via in-app notification, SMS, or email.
SmartPay operates in compliance with applicable laws and regulations of Pakistan, including but not limited to:
Users are also subject to applicable laws while using SmartPay Services.
We collect information to provide secure, reliable, and efficient bill payment and financial facilitation services.
This helps us:
We may receive this information from third parties, such as mobile wallet operators, financial institutions, credit bureaus, duly licensed lenders, other users, partners (including ad partners, analytics providers, search information providers), or our affiliated companies or if you use any of the other websites/apps we operate or the other Services we provide.
We may receive personal information about you from third parties that are engaged by us to assist with providing verification services and conducting suitable money laundering and KYC and AML (anti-money laundering) checks on users of the Platform. This may include your name, email address, company details and contact information.
If you choose to participate in reviewing or rating the Services on the Platform, we may receive personal information about you from third parties that work with us to conduct reviews into our Services and/or rate us.
Subject to your consent, we may collect your information and activity from payment providers, advertising networks, analytics providers, search information providers and social media platforms. We may collect social media information you use to log in and interact with our Platform, as long as you agree to share such information with us.
Your information is used strictly for lawful business purposes, including:
We do not sell your personal data.
SmartPay may share your information only when necessary and lawful, including with:
In case of merger, acquisition, or asset transfer, user data may be transferred under confidentiality obligations.
All third parties are contractually required to maintain strict confidentiality and data protection standards.
| Step | Action | Timeline | Contact |
|---|---|---|---|
| 1 | Submit complaint to SmartPay Customer Support | Within 24 hours acknowledgment | support@smartpay.pk |
| 2 | Internal investigation & resolution | 3–5 business days | Support escalation team |
| 3 | Escalation to Partner Bank / 1Link | 5–7 business days | bank/1link escalation desk |
| 4 | Escalation to SBP for unresolved complaints | 10 business days after Step 3 | Consumer Protection Dept., SBP |
Your data is stored on secure servers located within Pakistan or approved jurisdictions.
We implement:
While we take reasonable security measures, no system is 100% secure.
We retain your information:
Once no longer required, data is securely deleted or anonymized.
Requests may be submitted via our official support channels.
You may withdraw consent by:
However, certain data may be retained for regulatory compliance.
We may send service-related notifications and, where permitted, promotional communications.
You may opt out of promotional communications at any time.
SmartPay reserves the right to:
If you have questions about this Privacy Policy or how your data is handled, please contact:
SmartPay Customer Support
Email: info@smartpay.com.pk
Website: www.smartpay.com.pk