Information that you provide us while using the Services and Products of Smart Remittance. We may also collect certain sensitive information from you including your bank account number, credit or debit card number and date of birth.

Information that you provide us in the course of your participation in various Smart Remittance promotional programs or while you submit a query or feedback.

To facilitate our Service or Product, we request certain third-party Personal Information from you, such as your Beneficiary or Recipient's full name, mailing address, email address, telephone number, date of birth, nationality etc. We may also collect from your sensitive financial information of a Beneficiary or a Recipient, including bank account numbers.

Information that we lawfully obtain from third parties, such as Service Companies, Document verification service providers, electronic database services, and credit reporting agencies.

Information that we indirectly obtain from you, such as information about the device, hardware and software you use when accessing the Service, your IP address, the pages you access on our websites. We may combine this automatically collected lo information with other information we collect about you. We do this for fraud prevention, to improve our Service and Product, and to improve our marketing, analytics, or website functionality. We may also use " cookies " to track your use of our websites. A cookie is a small file which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. We use cookies to improve the experience of people using our website. You are free to decline these cookies if your browser permits but doing so may interfere with your use of the Service. The information we store in the cookie may include your email address in addition to non-Personal Information.; and

Recordings of your communications with our customer service department, including telephone calls, electronic communications and letters.