1. Introduction
North Bengal Medicare LLP ("we", "us") operates Smart KhataKart — a digital khata and Buy Now Pay Later (BNPL) platform. This Privacy Policy explains how we collect, use, store and protect your personal information when you use our website, mobile apps and services.
2. Information We Collect
We may collect: full name, mobile number, Aadhaar, PAN, address, bank details (merchants/agents), KYC documents, transaction history, device information, IP address, and communication logs (SMS/WhatsApp/email).
3. How We Use Information
Your data is used for: account creation and KYC verification, credit limit decisions, transaction processing, payment reminders, fraud prevention, legal compliance, customer support, and service improvements.
4. Data Sharing
We may share data with: payment gateways (e.g. Cashfree), SMS/WhatsApp providers, KYC/bureau partners, NBFC/lending partners (if applicable), and government authorities when required by law. We do not sell your personal data to third parties for marketing.
5. Data Security
We use encryption, access controls, secure servers and audit logs to protect your information. However, no method of transmission over the internet is 100% secure.
6. Data Retention
We retain your data as long as your account is active and as required by law (typically 5–8 years for financial records). You may request account closure subject to outstanding dues clearance.
7. Your Rights
You may request access, correction or deletion of your data by contacting support@smartkhatakart.com. KYC documents required by law may not be deletable until retention period ends.
8. Cookies
Our website uses session cookies for login and security. You can disable cookies in your browser, but some features may not work.
9. Contact
Privacy queries: support@smartkhatakart.com
Office Address: Birpara, Alipurduar, West Bengal – 735204
Phone: +91-7001159731
Email: support@smartkhatakart.com
Website: https://smartkhatakart.com
Smart KhataKart is a digital khata / BNPL platform operated by North Bengal Medicare LLP.
Office Address: Birpara, Alipurduar, West Bengal – 735204
Phone: +91-7001159731
Email: support@smartkhatakart.com
Website: https://smartkhatakart.com
MCA / LLPIN: ACE-2412 (Ministry of Corporate Affairs)
Date of Incorporation: 04 December 2023 (CRC, Manesar)
PAN: AAWFN0603Q (Income Tax Department)
MSME / Udyam: UDYAM-WB-01-0012898 (Ministry of MSME)
ISO 9001:2015: INQ1404999/10999 (2027) (Radiance Quality Certifications)
IEC Certificate: AAWFN0603Q (DGFT, Ministry of Commerce)
TAN: CALN13572G (Income Tax Department)
Office Address: Birpara, Alipurduar, West Bengal – 735204
Phone: +91-7001159731
Email: support@smartkhatakart.com
Website: https://smartkhatakart.com
Smart KhataKart is a digital khata / BNPL platform operated by North Bengal Medicare LLP.
Office Address: Birpara, Alipurduar, West Bengal – 735204
Phone: +91-7001159731
Email: support@smartkhatakart.com
Website: https://smartkhatakart.com
MCA / LLPIN: ACE-2412 (Ministry of Corporate Affairs)
Date of Incorporation: 04 December 2023 (CRC, Manesar)
PAN: AAWFN0603Q (Income Tax Department)
MSME / Udyam: UDYAM-WB-01-0012898 (Ministry of MSME)
ISO 9001:2015: INQ1404999/10999 (2027) (Radiance Quality Certifications)
IEC Certificate: AAWFN0603Q (DGFT, Ministry of Commerce)
TAN: CALN13572G (Income Tax Department)