At SmartCard™ (“SmartCard,” “we,” “us,” or “our”), we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile app, or engage with our products and services (collectively, the “Services”). By accessing or using SmartCard, you agree to this Privacy Policy. If you do not agree, please discontinue use of the Services. 1. Information We Collect We collect information in the following ways: a. Information You Provide Directly Account Information: Name, email address, phone number, date of birth, username, and password. Financial Information: Linked bank accounts, debit card details, or payment information when connecting to financial institutions. Identity Verification: Government-issued ID, SSN, or other verification documents when required by law or financial partners. Communication Data: Messages, feedback, or customer support requests. b. Information Automatically Collected Device and Usage Data: IP address, browser type, device identifiers, operating system, and app usage metrics. Cookies and Tracking: We use cookies, pixels, and analytics tools to understand user behavior and improve performance. Transaction Data: When you use SmartCard to make transactions, we collect details like amount, merchant, time, and category. c. Information from Third Parties We may receive information from: Partner banks, financial institutions, or payment processors; Credit or identity verification services; Marketing partners or analytics providers. 2. How We Use Your Information We use your data to: Provide and maintain SmartCard’s financial automation and spending tools; Process transactions and manage linked accounts; Personalize your experience and provide spending insights; Communicate with you regarding updates, features, or security alerts; Detect, prevent, and respond to fraud or unauthorized access; Comply with legal, regulatory, and compliance requirements; Improve our products and develop new features. 3. How We Share Your Information We may share information only in the following cases: With Service Providers: Trusted partners who assist with hosting, analytics, identity verification, and payment processing. With Financial Partners: Banks and third-party providers necessary to facilitate transactions and comply with regulations. For Legal Reasons: When required by law, regulation, subpoena, or government request. In Business Transfers: If SmartCard undergoes a merger, acquisition, or sale of assets. With Your Consent: When you explicitly authorize sharing with other third-party apps or services. We do not sell your personal data. 4. Data Retention We retain your data for as long as necessary to: Provide our Services; Comply with legal obligations (e.g., anti-money laundering laws); Resolve disputes or enforce our agreements. When no longer required, your data will be securely deleted or anonymized. 5. Data Security We use industry-standard safeguards to protect your data, including: End-to-end encryption of sensitive financial data; Secure data storage and limited employee access; Multi-factor authentication for account protection. However, no online service can guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials. 6. Your Privacy Rights Depending on your location, you may have rights under laws such as the California Consumer Privacy Act (CCPA) or General Data Protection Regulation (GDPR). These may include the right to: Access or request a copy of your data; Correct inaccurate information; Delete your data (“right to be forgotten”); Opt-out of data sharing or targeted advertising; Withdraw consent where applicable. To exercise these rights, contact privacy@smartcard.app with your request. 7. Cookies and Tracking Technologies SmartCard uses cookies and similar technologies for: Authentication and session management; Analytics and performance tracking; Personalization and targeted advertising. You can control cookie preferences in your browser settings. Note that disabling cookies may limit some site functionality. 8. Children’s Privacy SmartCard is not intended for use by individuals under 18 years of age. We do not knowingly collect data from minors. If we learn we have collected information from a child, we will delete it immediately. 9. International Data Transfers Your information may be processed and stored in the United States or other countries. By using the Services, you consent to such transfers, which may have different data protection laws than your jurisdiction. 10. Changes to This Policy We may update this Privacy Policy periodically. Changes will be posted on this page with a new “Last Updated” date. Your continued use of SmartCard after updates signifies acceptance of the revised policy.