Smart Agent Privacy Policy

Effective Date: December 08, 2025
Last Updated: December 08, 2025

Apna Infotech ("Company," "we," "us," or "our") is committed to protecting the privacy of users ("you" or "User") of the Smart Agent application ("App") and website ("Web") (collectively referred to as the "Service"). This Privacy Policy explains how we collect, use, store, and protect your information when you use the Service. By using the Service, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We collect only the information necessary to provide the Service to you. This may include:

• User-Provided Information: Data you input into the Service, such as client details, vehicle information, insurance policy details, documents, and transaction records.
• Vehicle Data: Publicly available vehicle information (e.g., RC details and challan information) sourced from government platforms such as the Parivahan website.
• Account Information: Name, email address, phone number, and login credentials.
• Payment Information: UPI ID, bank details, or card information, which are transmitted securely to PhonePe Pvt Ltd and not stored by us.

2. How We Use Your Information

We use the information we collect solely to:

• Provide and maintain all functionality of the Service.
• Access publicly available vehicle information requested by you.
• Process subscription payments through PhonePe Pvt Ltd.
• Respond to support requests and communicate service updates.

3. Data Sharing with Third Parties

We do not sell, rent, or disclose your personal information to any third party except:

• To comply with legal obligations such as a court order or government request.
• To process payments via our payment gateway, PhonePe Pvt Ltd.

No other entity has access to your data through integrations, marketing, or partnerships.

4. No Cookies

The Service does not use cookies or tracking technologies to monitor your browsing activity.

5. No Usage Monitoring

We do not track behavioral patterns, analytics, or how you use the App or Web, beyond essential operational logs.

6. Data Storage and Security

Your data is stored on secure cloud servers with industry-standard safeguards. While we implement strong protection measures, no system is entirely risk-free. We are not responsible for breaches beyond our reasonable control. You must protect your login credentials and secure your devices.

7. Data Retention

We retain data only as long as needed to operate the Service or comply with legal requirements. If you delete your account, data will be removed except where retention is legally necessary.

8. Your Responsibilities

You are responsible for:

• Obtaining customer consent before uploading or storing their documents.
• Verifying the accuracy of vehicle data fetched from public sources.
• Ensuring secure handling of your payment information.
• Maintaining backup copies of critical data if required.

9. Payment Processing via PhonePe Pvt Ltd

Payments are processed securely by PhonePe Pvt Ltd. We do not store your full payment information. All payment-related data handling is governed by PhonePe’s own Privacy Policy available at www.phonepe.com/privacy-policy/.

10. Third-Party Integrations

Other than PhonePe and government sources for public data, the Service does not integrate with any third-party apps that may access your data.

11. Changes to This Privacy Policy

We may update this Policy periodically. The "Last Updated" date will reflect changes. Continued use of the Service indicates acceptance of the updated Policy.

12. Legal Compliance

We share data only when required by law or valid legal processes. Disclosure will always be limited to what is legally necessary.

13. Contact Us

If you have questions or concerns regarding privacy or data handling, contact us at:

Apna Infotech
Email: info@apnainfotech.com

14. Disclaimer of Accuracy for External Data

The Service may display data from external government websites such as Parivahan. We do not guarantee accuracy, completeness, timeliness, or availability of this data. You must independently verify all information before relying on it.

15. Limitation of Liability

To the maximum extent permitted by law, Apna Infotech is not liable for direct, indirect, incidental, or consequential damages, including loss of data, revenue, business, or legal disputes arising from:

• User mistakes or inaccurate data entry.
• Reliance on public or third-party information.
• Technical issues, outages, or service interruptions.
• Unauthorized access resulting from weak or compromised user passwords.

The Service is provided "as is" without warranties of any kind.

16. User Responsibility & Indemnification

You agree to indemnify and hold Apna Infotech harmless from any claims, liabilities, legal notices, losses, or expenses arising from:

• Your misuse of the Service.
• Incorrect or unauthorized data uploaded by you.
• Disputes between you and your customers.
• Your failure to obtain consent for storing customer documents.

17. No Legal or Professional Advice

The Service does not provide legal, tax, or compliance advice. Data shown is for informational purposes only. Consult a certified professional before making legal or financial decisions.

18. Data Backup and User Accountability

Although we take measures to safeguard your information, we do not guarantee prevention of data loss. You are responsible for maintaining your own backups of important data and ensuring safe offline copies when needed.

19. Service Availability & Force Majeure

We are not responsible for downtime caused by events beyond our control, including natural disasters, power failures, cyber-attacks, network outages, payment gateway downtime, or government system failures.

20. Prohibited Activities

Users may not:

• Upload illegal, fraudulent, or unauthorized data.
• Attempt to breach or reverse-engineer the Service.
• Use the Service for harmful or misleading purposes.

Violation may result in suspension or account termination without refund.

21. Data Deletion Policy

Upon account deletion, user-generated data will be removed from active systems within a reasonable period, except where retention is required by law or for security purposes. Deleted data cannot be recovered.

22. Consent

By using the Service, you confirm that you have obtained proper consent from your customers for digital storage of their information. The Company is not responsible for disputes arising from lack of such consent.