Empowering Your Financial Future With Integrity

Privacy Policy

At Smart Money Guide Online (“we,” “our,” “us”), your privacy and security are extremely important to us. This Privacy Policy explains how we collect, use, store, and protect your personal and financial information when you access our website or use our financial services. By using our website, you agree to the practices described in this policy.

1. Information We Collect

We collect various types of information to provide and improve our financial services:

 
• Personal Information: Name, email address, phone number, address, date of birth, and identity details.
 
• Financial Information: Income details, credit scores, bank information, loan history, insurance details, and investment preferences (only when voluntarily provided).
 
• Document Submissions: IDs, financial statements, salary slips, tax-related documents, and other verification files.
 
• Technical Data: IP address, browser type, device information, pages visited, cookies, and usage patterns.
 
• Communication Data: Messages, inquiries, feedback, and support-related communication.

2. How We Use Your Information

Your information may be used for the following purposes:

 
• To process financial service requests such as loans, insurance, consulting, credit cards, and investments.
 
• To verify your identity and comply with regulatory requirements.
 
• To provide personalized financial recommendations.
 
• To improve website performance, user experience, and service quality.
 
• To communicate updates, notifications, or service-related information.
 
• To protect our platform from unauthorized access, fraud, or misuse.

3. Sharing Your Information

We may share your information under the following conditions:

 
• Financial Institutions: Banks, NBFCs, insurers, investment firms, or service partners involved in your application process.
 
• Service Providers: Verification agencies, analytics tools, payment gateways, and technical vendors.
 
• Legal Authorities: When required for compliance with law, fraud prevention, or regulatory obligations.
 
• With Consent: When you authorize information sharing for a specific service or request.

We never sell your personal or financial information to third parties.

4. Cookies and Tracking Technologies

We use cookies and tracking technologies to enhance user experience. Cookies help us:

 
• Analyze website traffic and performance
 
• Remember user preferences
 
• Improve load speed and security

You may disable cookies in your browser settings, though some features may not function properly.

5. Data Security

We implement advanced security protocols to protect your information, including:

 
• Encrypted data transmission (SSL/HTTPS)
 
• Secure storage practices
 
• Limited employee access to sensitive information
 
• Fraud detection and monitoring tools

While we strive to keep your data safe, no online platform is 100% secure, and we cannot guarantee absolute protection.

6. Your Rights

You have the right to:

 
• Access the personal information we hold about you
 
• Request corrections to inaccurate information
 
• Request deletion of your data (subject to legal and operational requirements)
 
• Withdraw consent for marketing communication

7. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of third-party sites. We encourage users to review their policies before interacting with them.

8. Children’s Privacy

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

9. Changes to This Policy

We may update this Privacy Policy periodically. The revised version will be posted on this page with the updated date. Your continued use of the website indicates acceptance of any changes.

10. Contact Us

If you have any questions regarding this Privacy Policy or your information, you may contact us at:

Email: support@smartmoneyguideonline.com

Terms & Conditions

Welcome to Smart Money Guide Online (“we,” “our,” “us”). These Terms and Conditions (“Terms”) govern your use of our website and financial services (collectively, the “Service”). By accessing or using our website, you agree to comply with and be bound by these Terms. If you do not agree, please do not use our Service.

1. Use of the Service

Our website provides information and application options for various financial services, including loans, insurance, wealth management, credit cards, consulting, and investment-related assistance. You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not use the website in any way that may damage, disable, or impair our systems or interfere with another user’s experience.

2. Financial Services, Applications and Payments

 
• All financial service requests and consultations are subject to verification and approval.
 
• Service fees, processing charges, or consultation costs (if applicable) will be displayed or communicated during the service request process.
 
• Payment terms and methods will be clearly provided before any paid financial service is finalized.
 
• We reserve the right to cancel, delay, or reschedule consultations or service processes due to operational or regulatory requirements.

3. Cancellations and Refunds

If you wish to cancel a paid service or consultation, please notify us at least 24 hours before the scheduled time. Refunds (if applicable) will be processed according to our refund policy. Late cancellations or no-shows may incur charges.

4. User Responsibilities

 
• You agree to provide accurate, complete, and truthful information when applying for a financial service.
 
• You must ensure all identity, income, or financial documents provided are valid and legally obtained.
 
• You are responsible for safeguarding your login credentials and personal financial information.

5. Service Quality and Liability

We strive to provide high-quality financial guidance and services; however, we do not guarantee loan approvals, investment results, insurance claim outcomes, or financial gains. All financial decisions are made at your discretion. Our liability is limited to the amount paid by you for the specific service. We are not responsible for indirect, incidental, or consequential damages arising from service use or delays.

6. Third-Party Financial Institutions

We may work with banks, insurance companies, NBFCs, credit bureaus, or investment providers. We are not liable for any actions, approvals, delays, or decisions made by third-party institutions. Their individual terms and conditions will apply where relevant.

7. Intellectual Property

All website content, including text, images, logos, tools, calculators, and design elements, is owned by or licensed to Smart Money Guide Online. You may not reproduce, distribute, or modify any content without prior written permission.

8. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to learn how we collect, use, and protect your personal and financial information.

9. Limitation of Liability

We will not be liable for any financial loss, service interruption, data loss, application rejection, investment loss, or unauthorized access caused by your use of our website or services. This includes damages due to technical issues, delays, or third-party involvement.

10. Modifications

We reserve the right to modify these Terms at any time without prior notice. Any updated version will be posted on this page with the revised date. Continued use of the website after changes indicates your acceptance of the updated Terms.

11. Governing Law

These Terms are governed by and interpreted according to the laws of the United States. Any disputes arising under these Terms will fall under the exclusive jurisdiction of courts in the United States.

12. Contact Us

If you have any questions about these Terms, please contact us at:

Email: support@smartmoneyguideonline.com
Close