Privacy Policy

Last updated: 5 July 2026

1. Who we are

This Privacy Policy explains how SmartsCash (Pvt) Ltd. (“SmartsCash”, “we”, “us” or “our”) collects, uses and protects your personal information when you visit our website, use our products, or contact us through any channel, including WhatsApp. SmartsCash is the data controller responsible for your personal information.

We are committed to handling your data lawfully, fairly and transparently, and to only collecting what we genuinely need to provide our services.

2. Information we collect

Depending on how you interact with us, we may collect:

Identity and contact data — your name, national ID number, date of birth, phone number, email and postal address.
Financial data — income, employment details, bank account information and repayment history, used to assess eligibility and affordability.
Application data — the details and documents you provide when applying for finance.
Technical data — IP address, device and browser information, and how you use our website.
Communications data — messages you send us by phone, email, social media or WhatsApp.

3. How we use your information

We use your personal information to:

Assess your application and carry out eligibility, affordability and credit checks;
Provide, manage and service your finance, installments or card;
Respond to your enquiries and provide customer support;
Comply with our legal, regulatory and anti-fraud obligations;
Improve our products, website and services;
Send you service messages and, where you have opted in, relevant offers.

We only process your data where we have a lawful basis to do so, such as performing a contract with you, meeting a legal obligation, our legitimate business interests, or your consent.

4. WhatsApp & messaging channels

If you choose to contact us or receive messages from us through WhatsApp, we process the information you share in that conversation to respond to you and provide our services. WhatsApp is provided by Meta Platforms, Inc., and your use of it is also governed by WhatsApp’s own terms and privacy policy.

We will only send you WhatsApp messages where you have contacted us first or given your prior opt-in consent. You can ask us to stop messaging you at any time by replying STOP or contacting us using the details below. We do not sell your phone number or share it with third parties for their own marketing.

We may share your information with:

Credit reference and fraud-prevention agencies, as part of assessing applications;
Service providers who help us operate (for example, payment, verification and IT providers), under strict confidentiality;
Regulators, law enforcement or other authorities where required by law.

We do not sell your personal information.

6. Cookies

Our website uses cookies and similar technologies to keep the site working, remember your preferences and understand how the site is used. You can control or disable cookies through your browser settings; some parts of the site may not function properly without them.

7. Data security & retention

We use bank-grade technical and organisational measures, including encryption, to protect your personal information against unauthorised access, loss or misuse. We retain your data only for as long as necessary to provide our services and to meet legal and regulatory requirements, after which it is securely deleted or anonymised.

8. Your rights

Subject to applicable law, you may have the right to access, correct, update or delete your personal information, to object to or restrict certain processing, and to withdraw consent where processing is based on consent. To exercise any of these rights, please contact us using the details below.

9. Contact us

If you have any questions about this Privacy Policy or how we handle your data, please contact:

SmartsCash (Pvt) Ltd.
Office No. 6, F-10 Markaz, near Sapphire, Islamabad
Email: privacy@smartscash.com
Phone: +966 53 291 5522

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