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How sm20 Handles Your Personal Data

At sm20, we are clear about what personal data we collect, why we collect it, and how long we keep it — so you always know where you…

Data collected only as neededUPI & Paytm transaction privacyAccount security by designYour right to access or delete dataIndia-specific data handling
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sm20 How sm20 Handles Your Personal Data
PRIVACY CONTACT PATHS

Reach Our Data Privacy Team

If you have a question about your personal data, want to request a copy of what we hold, or need to ask us to delete a record, our privacy team is reachable…

Email Privacy Request Send a written data request to our privacy address. Include your registered account email and the specific data action you need — access, correction or deletion — so we can process it promptly.
Live Chat Support Open the chat widget on sm20.net to speak with a support agent about your data rights. Chat is available around the clock; agents escalate privacy queries to the dedicated data team within one business day.
Account Settings Portal Log in to your sm20 account, navigate to Settings, and use the Data & Privacy section to download a copy of your profile data or submit a deletion request without contacting support directly.
DATA HANDLING PRACTICES

How We Protect and Manage Your Data

Every aspect of data handling at sm20 — from the moment you enter your UPI ID to the moment a withdrawal clears to your Paytm wallet — follows a structured internal process.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand page load times. You can manage cookie preferences from the banner that appears on your first visit to sm20.net.

Data Retention Schedule

Account data is retained while your account is active and for up to five years after closure, in line with Indian financial record-keeping norms. Payment logs linked to UPI or PhonePe follow the same schedule.

Account Security Measures

We use two-factor authentication, encrypted password storage and automatic session timeouts to prevent unauthorised access to your account data. You can review active sessions in your account settings at any time.

Third-Party Data Sharing

We share your data only with payment processors (UPI, Paytm, PhonePe networks) and fraud-detection partners strictly to operate your account. No data is shared for advertising or sold to marketing companies.

Your Rights Under This Policy

You may request a full copy of your data, ask us to correct inaccuracies, or request deletion of records we are not legally required to keep. All requests are handled by our privacy team within 14 days.

Policy Update Notification

When we update this privacy policy, we will post the revised version on sm20.net with a new effective date and, for material changes, send a notification to your registered email address.

Privacy Policy — Common Questions Answered

Below are the questions we hear most often about how sm20 handles personal data. If you do not see your question here, the privacy team is reachable via the channels listed in the section above.

We collect your name, email address, mobile number, date of birth, and payment details such as your UPI ID or Paytm number. We also log device type and IP address to keep your account secure.

Payment identifiers are passed only to the relevant payment network (UPI rails, Paytm or PhonePe) to complete your transaction. No payment data is sold or shared with advertisers or unrelated third parties.

Log in to your account, go to Settings and select Data & Privacy, then choose Download My Data. Alternatively, email our privacy team with your registered address and we will send the data within 14 days.

Yes. Submit a deletion request via the account portal or by contacting the privacy team. We will erase records we are not legally required to keep; financial transaction logs may be retained under Indian law for up to five years.

We use essential cookies for login sessions and optional analytics cookies. A cookie preference banner appears on your first visit; you can revisit those choices at any time through the footer link on sm20.net.

We retain your account profile and payment logs for up to five years following account closure, in line with applicable Indian financial regulations. After that period, all identifiable records are securely deleted or anonymised.

Contact the privacy team immediately via live chat or email. We will investigate and respond within five business days. If you remain unsatisfied, you may escalate the matter to the relevant data protection authority under Indian law.

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