Privacy Policy and Cookies

S.C. Smart Fintech S.R.L

Tibles Alley, no. 26, 6th District,

Bucharest - ROMANIA

Please take the time to read this Privacy Policy as it explains how we collect, use, and store your personal information, and additionally, the rights you have in relation to the protection of your personal information.

According to the EU General Data Protection Regulation (GDPR) 2016/679, which states rules relating to the protection of natural persons with regard to the processing of personal data and rules relating to the free movement of personal data, modified and completed, Smart Fintech has the obligation of safely managing and only within specified scopes the personal data that you provide by filling the following fields of the online form: name, e-mail and the information that you provide to us through the message you send to us.

The scope of collecting the above-mentioned data is for contacting you according to your will only.

You are not compelled to provide your personal data. Your refusal, however, may severely affect the actions that need to be undertaken in order to fulfill the above-mentioned scope.

The registered data is being used by Smart Fintech.

According to the EU General Data Protection Regulation (GDPR) 2016/679, you have the right to access your data, to intervene over it, the right not to be subject to an individual decision, and the right to address justice. In the same way, you have the right to oppose the processing of your personal data and request deletion*. In order to benefit from these rights, you can submit a written request, dated and signed, to the following e-mail address: contact@smartfintech.eu Your right to address justice is also acknowledged.

If any of your data is incorrect, please notify us as soon as possible.

NOTE:

*any person has the right to oppose, for legitimate reasons, the processing of personal data. The right to oppose may be excluded within certain legal scopes (e.g. data processing undertaken by the financial services, the police, justice, or social security). Therefore, this endorsement cannot exist if the processing is mandatory;

*however, any person has the right to oppose freely and without justification the processing of personal data within the scope of direct marketing.

Our policy relating to personal data processing is updated periodically; whenever we make a change, we will display on our website https://www.smartfintech.eu, at the bottom of the page, the date of the latest policies updates, so that we keep our users updated on any changes we have made.

Usage of Privacy Policy

In this policy, we are explaining the means by which we process, collect, use, trade, and protect your personal data when you make use of our website.

About us

We constantly innovate and deliver a frictionless and secure customer experience in the Open Banking ecosystem. We develop our solutions using best-in-class cloud technology, with SmartPG Hub as the core engine. We are devoted to open standards and cyber-security best practices in order to ensure the highest experience possible.

SmartPG – the Payment Hub, powered by IT Smart Systems. Smart PG (Payment Gateway) is a PSD2-compliant API Hub that helps fintechs accelerate electronic payments and financial management services. SmartPG is open for startup fintechs to accelerate innovation and lower the entry barrier into the PSD2 space.

SmartPay: eCommerce secure checkout with open banking. SmartPay is an eCommerce payment accelerator for Merchants offering a plug-and-play solution in the context of PSD2 integrations. It is an online payment initiation service authorized by the National Bank of Romania.

Smart Accounts bank accounts aggregator that reunites the top 13 banks in Romania. It can be integrated into any financial application as a customizable module, or to serve other features, compliant with PSD2 regulations. Smart Accounts is a account informat

In this policy relating to the processing of personal data:

“we/ours” refers to Smart Fintech

“third party” refers to any other entity but us or yourself.

Your opinion is important to us – should you have any questions about the policy relating to the processing of personal data, please, feel free to send us a message by using the contact on our website https://www.smartfintech.eu.

OTHER

Our Principles

Smart Fintech has committed to respecting your private life. We are taking matters regarding the processing of personal data very seriously, as well as the security and legal compliance relating to the protection of your personal data and private life.

Basic notions about the personal data we collect from you

We use the personal information that you submit to us in our Contact sections on the website in order to respond to your request.

The information we collect about you and the way in which we collect it may vary depending on the products and services that you request, the way you use our products and services, and the way in which you interact with Smart Fintech or what we obtain from a third party that has the permission to exchange data with us.

Smart Fintech will process your personal data based on:

Your consent when you submit the data for a contact request.

The legal interests of Smart Fintech, for example, fraud prevention, and maintaining security for our networks and services. Whenever we rely on this legal basis to process your data, we evaluate our commercial interests to ensure that they do not prevail over your rights. In addition to that, in some cases, you have the right to oppose this processing.

The compliance with an imperative legal request, including, for example, accounting and tax requirements.

The consent you grant to Smart Fintech is not based on any legal basis, other than your willingness only. Consent can be withdrawn at any time.

For example, we will collect your personal data when you:

submit your name, surname, and e-mail address on the site;

contact us through various channels (for example messenger apps), or ask us for information about a product or service;
take part in a competition or study.

We use cookies – small text files stored in your browser. Our website uses these cookies to collect information and to improve the service provided. You have the option of accepting or declining these cookies and knowing when a cookie is sent to your computer. If you choose to decline, you may not be able to use certain portions of our website.

If you want to delete them, the “Help” section of the browser you are using should provide instructions on how to locate the file or directory that stores cookies.

We will use your personal data for the following purposes:

To provide our service;
To answer any questions or concerns you may have about our products or services;
To improve the service we offer;
For improvements and innovations in our products and services.

We collect anonymous information without identifying or aggregating elements to improve the services we offer to everyone. None of these analytical data can lead to your identification.

Fraud management and law enforcement

We will disclose information if this is justified in order to protect us against fraud.

It may also be necessary to disclose your information in order to comply with the legal obligation to respond to the legal requests of the authorities. Your personal data will be communicated only when we believe, in good faith, that we have an obligation to do so in accordance with the law and on the basis of an exhaustive assessment of all legal requirements, also we will give you prior notification about any disclosure.

The third parties we work with

We collect and combine information in order to monitor your use of products and services, as well as their use by other clients of ours, and also to help improve the quality of our products and services. We provide this information to third parties (for example, analytics), but no such reporting to a third party will include information that allows the identification of an individual customer.

How long do we store your personal data?

We will store your information as long as we are required by law. If there is no legal requirement, we will only store them as long as necessary.

Your rights according to the EU General Data Protection Regulation (GDPR) 2016/679:

The right to rectify personal data. You have the right to rectify the data we store about you if it is not correct. If your personal data needs to be updated or you believe it may be incorrect, you can contact us by e-mail: contact@smartfintech.eu;
The right to oppose the processing of your personal data. Under certain circumstances, you have the right to oppose the processing of your personal data;
The right not to receive marketing messages. If you do not want to receive marketing messages from Smart Fintech about our services and products and/or our partners, you can opt out of all marketing communications;
The right to withdraw consent, at any time, for the processing of data concerning you under a request sent to the e-mail: contact@smartfintech.eu;
The right to your data portability, in the sense of the transfer of your personal data to another controller designated by you;
The right not to be subject to a decision based exclusively on the automated data processing: you will not be subject to a decision based exclusively on the automated data processing;
The right to deletion. Smart Fintech aims to process and store your data only as long as it is necessary. Under certain circumstances, you have the right to ask us to delete your personal data that we own.

How to submit a complaint

If you would like to contact us about any of your rights or to make a complaint regarding the way we make use of your personal data, please contact us by e-mail: contact@smartfintech.eu. We will make every effort to help, but if you are still not satisfied, you may contact the National Authority for Personal Data Processing Supervision – contact details can be found at www.dataprotection.ro.

The Update of the Confidentiality Policy

This Confidentiality Policy may be updated from time to time, for example following the amendment of the relevant legislation. We encourage the visitors of our website to verify this page periodically in order to get informed on the latest news.

This Privacy Policy was last updated on 21.09.2023.