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PRIVACY POLICY

Privacy Policy for SmartWealth App |  www.smartwealthapp.com
Effective Date: [1/17/2025]
SmartWealth Platforms, LLC in Partnership With Angel B Global Enterprises, INC ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and disclose your information when you use the SmartWealth App ("the App") and related services.
1. Information We Collect
1.1 Information You Provide
When you use the App, we may collect:

  • Personal Information: Name, email address, phone number, and other identifying information you provide when creating an account.

  • Payment Information: Billing address, payment card details, or financial account information.

  • Profile Information: Details you choose to provide, such as preferences, settings, and interests.

1.2 Information Automatically Collected
We may collect certain information automatically when you use the App, including:

  • Device Information: Device type, operating system, browser type, and IP address.

  • Usage Data: Interactions with the App, features used, and time spent on the platform.

  • Location Data: Approximate geolocation information derived from your device.

1.3 Information from Third Parties
We may receive information about you from third-party affiliates, partners, or service providers who support the App’s functionality.
2. How We Use Your Information
We use the information we collect to:

  • Provide, maintain, and improve the App and related services.

  • Process payments and manage your account.

  • Communicate with you about updates, promotions, and service-related notices.

  • Personalize your experience based on your preferences and usage.

  • Ensure the security of the App and detect or prevent fraudulent activities.

  • Comply with legal obligations and enforce our terms of service.

3. How We Share Your Information
We may share your information in the following circumstances:
3.1 With Service Providers
We share your information with third-party vendors who assist with payment processing, data analysis, customer support, marketing, and other operational services.
3.2 With Affiliates
We may share your information with our parent company, SmartWealth Technologies, LLC, and other affiliates within the ByteSmart Technologies corporate structure for operational purposes.
3.3 For Legal and Security Reasons
We may disclose your information:

  • To comply with applicable laws, regulations, or legal processes.

  • To enforce our agreements, policies, or terms of service.

  • To protect the rights, property, or safety of our users, employees, or others.

3.4 With Your Consent
We may share your information for other purposes with your explicit consent.
4. Data Security
We implement industry-standard measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
5. Your Rights and Choices
5.1 Access and Update
You can access and update your account information directly through the App or by contacting us.
5.2 Opt-Out of Marketing Communications
You can opt-out of receiving promotional emails by following the unsubscribe instructions included in the emails or contacting us directly.
5.3 Data Deletion
You may request the deletion of your account and associated data by contacting us. Please note that some information may be retained to comply with legal obligations or resolve disputes.
6. Cookies and Tracking Technologies
The App may use cookies and similar technologies to collect information about your usage and preferences. You can manage your cookie preferences through your browser settings.
7. Third-Party Links
The App may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third-party platforms. We encourage you to review their privacy policies before providing any personal information.
8. Children’s Privacy
The App is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have inadvertently collected such information, we will take steps to delete it promptly.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted within the App, and the "Effective Date" will be revised accordingly. Your continued use of the App constitutes your acceptance of the updated policy.
10. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
SmartWealth Platforms, LLC
Email: [thesmartwealthapp@gmail.com]
Mailing Address: [3911 Concord Pike #8030, SMB#78567  Wilmington, De 19803

This Privacy Policy was last updated on [1/17/2025].

REFUND POLICY

Refund Policy for SmartWealth App |  www.smartwealthapp.com
Effective Date: [1/17/2025]
SmartWealth Platforms, LLC in Partnership With Angel B Global Enterprises, INC {DBA} ABG Enterprises, Inc ("we," "our," or "us") appreciate your business and is committed  to your satisfaction. This Refund Policy explains how we process refund request when you use the SmartWealth App ("the App") and related services.

1. No Refunds on Active Subscriptions.
2. No Refunds on Digital Products. (Courses, Guides, Ebooks, Tutorials, and related products).
3. Refunds on Physical Merchandise may be permitted for shipping errors (size, quantity, color) only within 21 business days of purchase.


 

TERMS AND CONDITIONS

SmartWealth App Terms and Conditions

Last Updated: [1/1/2025]

Welcome to SmartWealth, a cutting-edge financial literacy platform powered by SmartCloud AI. By accessing or using SmartWealth ("the Platform"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please refrain from using the Platform.

1. Acceptance of Terms

By registering, accessing, or using SmartWealth, you acknowledge that you have read, understood, and agreed to these Terms and our Privacy Policy. We reserve the right to modify these Terms at any time, and continued use of the Platform constitutes acceptance of any updates.

2. Services Provided

SmartWealth is a financial literacy application that provides:

  • Education on building, repairing, and enhancing personal and business credit.

  • Comprehensive literature on investing.

  • Tiered lender, vendor, and resource directories with approval requirements.

  • Industry-specific courses in real estate, logistics, car rentals, and other fields.

3. User Responsibilities

By using the Platform, you agree to:

  • Provide accurate and up-to-date information when creating an account.

  • Use the Platform for educational purposes only and not for any fraudulent or illegal activities.

  • Maintain confidentiality of your account credentials and be responsible for all activities under your account.

4. Account Registration and Security

Users must register for an account to access certain features of the Platform. You are responsible for safeguarding your login credentials. Any unauthorized use of your account should be reported immediately.

5. Payment and Subscription

Certain features of the Platform may require payment. By subscribing to any paid services, you agree to:

  • Provide accurate billing information.

  • Authorize us to charge your chosen payment method.

  • Adhere to the cancellation and refund policies specified at the time of purchase.

6. Intellectual Property

All content on the Platform, including text, graphics, software, and educational materials, is owned or licensed by SmartWealth. You may not copy, distribute, or reproduce any content without prior written consent.

7. Third-Party Links and Services

The Platform may include links to third-party vendors, lenders, and service providers. We do not endorse or assume responsibility for any third-party services, and users interact with such entities at their own risk.

8. Disclaimer of Warranties

SmartWealth provides financial education and resources for informational purposes only. We do not provide financial, legal, or investment advice. Users should conduct independent research or consult with a professional before making financial decisions.

9. Limitation of Liability

SmartWealth and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Platform. Your sole remedy for dissatisfaction with the Platform is to discontinue use.

10. Termination

We reserve the right to suspend or terminate any user’s access to the Platform at our discretion, particularly for violations of these Terms.

11. Governing Law

These Terms are governed by the laws of [Delaware], without regard to conflict of law principles.

12. Contact Information

For any inquiries regarding these Terms, please contact us at [thesmartwealthapp@gmail.com].

By continuing to use SmartWealth, you acknowledge and accept these Terms and Conditions.

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