1. Introduction

Welcome to Smart Pay Global Concept Ltd. This Privacy Policy outlines how we collect, use, store, and protect your personal information when you access our platform, use our services, and engage in our multi-level marketing (MLM) program. Your privacy is important to us, and we are committed to maintaining the confidentiality and security of your personal data.

By using the Smart Pay platform, you consent to the practices described in this Privacy Policy.

2. Information We Collect

We collect the following types of information:

• Personal Information: When you register on our platform, we may collect your name, email address, phone number, residential address and date of birth.
• Usage Data: We may collect information about your use of the platform, such as browsing activity, pages viewed, time spent on our website, and any interactions you have with the platform.
• Referral Data: If you participate in our MLM program, we may collect information about the members you refer, their actions, and the structure of your downline network.
• Health Information: If you opt to purchase our products (such as the Kurenzer Curative Herbal Capsules), we may collect health-related information to ensure the correct products and services are offered to meet your needs. However, we do not store sensitive personal health information without your explicit consent.

3. How We Use Your Information

The information we collect from you may be used in the following ways:

• Account Setup and Management: To create and manage your Smart Pay account, process your registration, and provide access to our platform and services.
• Order Fulfillment: To process your purchases, activate packages, and ensure that you receive the Kurenzer Curative Herbal Capsules and other products as part of your bonuses.
• Communication: To send you important updates, promotional offers, newsletters, and information related to your account or the MLM program.
• Payment Processing: To complete financial transactions, including the registration and activation fees, as well as any bonuses or rewards you may earn.
• Referral and MLM System Management: To track your referrals, calculate your earnings, and manage your position in the compensation structure.
• Customer Support: To respond to your inquiries, address any issues, and provide assistance with your account or purchases.
• Compliance with Legal Obligations: To comply with applicable laws, regulations, and policies that govern the operation of our platform.

4. Sharing Your Information

We do not sell or trade your personal information to third parties. However, we may share your data with the following entities under specific circumstances:

• Service Providers: We may share your information with third-party service providers who assist us with payment processing, marketing, data analysis, and customer support.
• Law Enforcement or Regulatory Authorities: If required by law, we may disclose your personal information to law enforcement agencies, regulatory authorities, or in response to a legal process or government request.
• Affiliates or Partners: We may share your information with our affiliates, subsidiaries, or trusted business partners for marketing or business purposes related to Smart Pay Global Concept Ltd.

5. Data Security

We take the security of your personal information seriously and employ industry-standard measures to protect it from unauthorized access, disclosure, alteration, or destruction. This includes the use of encryption technologies, secure servers, and access control mechanisms. However, no method of electronic storage or transmission is completely secure, and while we strive to protect your information, we cannot guarantee its absolute security.

6. Your Rights and Choices

You have the following rights regarding your personal data:

• Access: You may request access to the personal information we hold about you.
• Correction: You may request the correction or update of inaccurate or incomplete information.
• Deletion: You may request the deletion of your account and personal data, subject to applicable legal obligations.
• Opt-Out: You may opt-out of receiving promotional emails and newsletters by following the unsubscribe instructions included in such communications.
• Withdrawal of Consent: You may withdraw any consent you have given to the processing of your data at any time by contacting us directly.

To exercise any of these rights, please contact us at the contact details provided below.

7. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including providing services, managing your account, complying with legal obligations, and resolving disputes.

8. Changes to This Privacy Policy

Smart Pay reserves the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated "Effective Date" at the top. We encourage you to review this Privacy Policy periodically to stay informed of any updates. Your continued use of the platform after any changes to this Privacy Policy constitutes your acceptance of those changes.

9. Third-Party Links

Our platform may contain links to third-party websites, products, or services. These third parties have their own privacy policies, and we are not responsible for the privacy practices or content of those external websites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the jurisdiction in which Smart Pay Global Concept Ltd is incorporated. Any disputes arising from this Privacy Policy will be resolved in the courts located within that jurisdiction.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal data, please contact us at:

Smart Pay Global Concept Ltd
Email: info@smartpayconcept.com, info.smartpay@gmail.com
Phone: +2349114548351
Address: No 43 Adeniji Estate, Praise House, Ogba Ikeja Lagos.

By using the Smart Pay platform, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy.

This Privacy Policy was last updated on [Effective Date].