Privacy Policy

Bharat Smart PE (“we”, “our”, “us”) is committed to protecting your privacy and ensuring transparency in how we collect, use, store, and protect your personal data. This Privacy Policy explains our data practices when you use our website, mobile applications, and fintech services (collectively, the “Platform”).

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth.
• Financial Information: Basic financial preferences, investment interests (we do not store sensitive banking credentials).
• Technical Information: IP address, device type, browser type, operating system.
• Usage Information: Pages visited, features used, interaction data.

2. How We Use Your Information

• To provide and improve our fintech services
• To personalize user experience
• To communicate important updates and service notifications
• To comply with legal and regulatory requirements
• To enhance platform security and prevent fraud

3. Legal Basis for Processing

We process personal data based on user consent, contractual necessity, legal obligations, and legitimate business interests in accordance with applicable Indian data protection laws, including the Digital Personal Data Protection Act, 2023.

4. Data Sharing and Disclosure

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

• Trusted service providers for technology, analytics, or customer support
• Regulatory or government authorities when required by law
• Business partners with your explicit consent

5. Data Security

We implement reasonable technical and organizational security measures to protect your data against unauthorized access, alteration, disclosure, or destruction.

6. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable laws.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to improve user experience, analyze site traffic, and understand user behavior. You may control cookie preferences through your browser settings.

8. User Rights

Subject to applicable laws, users have the right to:

• Access and review their personal data
• Request correction or deletion of personal data
• Withdraw consent at any time
• Raise grievances related to data usage

9. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors.

10. Third-Party Links

Our Platform may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date.

12. Contact & Grievance Officer

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data practices, please contact:

Email: smakolcus@gmail.com
Address: 37/39 Ezra Street, Kolkata - 700001