Privacy Policy

Effective date: July 22, 2026

This Privacy Policy explains how SmartPayFX collects, uses, shares, protects, and retains information when you use our website, Android app, and related payment-agent services.

1. Information We Collect

We collect only the information reasonably required to operate, secure, and improve SmartPayFX, including:

• Account and contact information such as name, username, email address, and phone number.
• Deriv account information you authorize us to access, including login ID, nickname, account type, balances, and account-linking authorization data.
• Transaction information including deposit, withdrawal, and transfer amounts, currencies, exchange rates, providers, payment references, status history, and timestamps.
• Payment verification information, payer phone details, receipts, or other evidence you choose to provide.
• Identity or compliance information when verification is required, including submitted documents and review outcomes.
• Device, security, and technical information such as device identifiers, push tokens, session activity, security records, error logs, and app version.
• Support communications and account or notification preferences.

2. How We Use Information

• Create and manage accounts and authenticate access.
• Link authorized Deriv accounts and process deposits, withdrawals, and transfers.
• Verify payments, reconcile transactions, issue receipts, and provide transaction history.
• Prevent fraud, duplicate payments, abuse, unauthorized access, and security incidents.
• Send verification messages, receipts, operational notifications, support responses, and service announcements.
• Meet legal, regulatory, accounting, dispute-resolution, and compliance obligations.
• Diagnose errors, monitor reliability, and improve the service.

3. How We Share Information

We do not sell personal information and do not use personal information for third-party advertising. We may share limited information with:

• Deriv and its authorized systems when you link an account or request a Deriv transaction.
• Supported mobile-money, banking, payment-verification, and transaction-automation providers when needed to verify or complete a transaction.
• Infrastructure, database, hosting, email, SMS, WhatsApp, push-notification, and customer-support providers acting on our instructions.
• Advisers, auditors, regulators, law-enforcement bodies, or authorities when required by law or needed to protect users and the service.
• A successor organization in connection with a merger, acquisition, financing, or service transfer, subject to appropriate safeguards.

4. Data Security

We use reasonable administrative, technical, and organizational safeguards, including access controls, encrypted transport, secure credential handling, transaction audit trails, and monitoring. No electronic system is completely secure, so users should protect their credentials and report suspicious activity promptly.

5. Data Retention and Account Deletion

We retain information as needed to provide the service, protect accounts, resolve disputes, maintain financial and audit records, and comply with legal obligations. You can request account deletion from the Security section of the app or by contacting support. Certain transaction, fraud-prevention, tax, accounting, or compliance records may be retained where required.

6. Your Choices and Rights

Subject to applicable law, you may request access to, correction of, or deletion of personal information. You may update account details and notification preferences, disconnect a linked Deriv account, or contact us to exercise a privacy right. We may verify your identity before completing a request.

7. International Processing

SmartPayFX and its providers may process information in countries other than your own. Where this occurs, we use contractual, technical, and organizational safeguards appropriate to the information and applicable law.

8. Children

SmartPayFX is a financial service intended only for adults aged 18 or older. We do not knowingly offer the service to children or knowingly collect personal information from children.

9. Third-Party Services

The app may connect to Deriv, payment providers, communication services, or external websites. Their processing is governed by their own privacy notices. SmartPayFX is an independent payment service and is not affiliated with Deriv.

10. Changes to This Policy

We may update this policy when the service, legal requirements, or data practices change. We will post the updated version here and revise the effective date. Material changes may also be communicated through the app.

11. Contact Us