Privacy Policy — SM Financial Solutions

1.Introduction

SM Financial Solutions respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices you have. By using our guide, consultation services, or website, you agree to the practices described in this policy.

2.Information We Collect

Name and phone number — collected when you sign up for a consultation or purchase the guide.
Email address — collected if you provide it, used to deliver the guide and send updates.
Loan-related details — information you share during your consultation, such as loan type, amount, employment status, and credit profile.
Payment information — payments are processed via Razorpay. We do not store your card or UPI details on our servers.
Basic technical data — collected via Meta Pixel for ad performance measurement, such as device type, browser, and page interactions.

3.How We Use Your Information

To provide the guide and schedule your consultation.
To match you with suitable lenders based on your profile.
To track and process referral payouts when a referred loan is disbursed.
To communicate updates about your consultation, referral status, or service changes.
To comply with applicable legal and regulatory requirements.

4.Sharing of Information

We do not sell your personal information. We may share your information in the following situations:

With lending institutions — only when you choose to proceed with a loan application through us.
With Razorpay — payment details are shared solely to complete your transaction. Razorpay processes this data under its own privacy policy.

5.Data Storage & Security

We take reasonable safeguards to protect your personal information from unauthorized access, alteration, or disclosure. Your data is retained only as long as necessary to provide our services, fulfill referrals, and comply with legal obligations.

6.Your Rights

You have the right to request access to, correction of, or deletion of your personal information. To exercise any of these rights, reach out to us through our Contact page.

7.Cookies & Tracking

We use the Meta Pixel to measure ad performance and understand how visitors interact with our website after seeing our ads. This helps us improve our marketing and show relevant content. The Meta Pixel may collect basic technical data such as device and browser information.

8.Children's Privacy

Our services are intended for individuals aged 18 and older. We do not knowingly collect information from anyone under 18. If you believe a minor has shared information with us, please contact us so we can remove it.

9.Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or for legal reasons. The updated date at the top of this page indicates when the policy was last revised.

10.Contact Us

If you have any questions about this Privacy Policy or how your information is handled, please visit our Contact page and we'll be happy to help.