Privacy Policy ("our", "us", "we", "Website", "concunsmart", "concunsmart's mobile applications") is committed to the protection of Information provided by the users ("you", "your", "users") to us. You agree that your use of concunsmart services or our interface implies your consent to the collection and use of your Information in accordance with the terms of this Privacy Policy ("Privacy Policy").

We take the privacy of our users seriously. We are committed to safeguarding the privacy of our users while providing a personalised and valuable service. In addition to this Privacy Policy, we have taken the following steps to further safeguard your privacy:

Information Collected

Traffic Data Collected

We automatically track and collect the following categories of information when you visit our Website:

IP addresses;

Domain servers;

Types of computers accessing the Website;

Types of web browsers used to access the Website;

Referring source which may have sent you to the Website; and

Other information associated with the interaction of your browser and the Website (collectively "Traffic Data").

Information Collected from You

In order for you to access certain areas of the Website, we may require you to provide us with certain information ("Personal Information"). Personal Information includes the following information:

Your full name, address, e-mail address, telephone number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request;

Details of any transactions you carry out through our Website using your Concunsmart account and of the fulfilment of your requests;

Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number "TAN" and password, available balance and transaction history of your bank account), ITR, TAX certificates or any other income documents as necessary by us;

Details of any credit, debit or other card used by you for transactions;

Your participation in any promotion sponsored by us;


We may contact you via the e-mail address and phone number registered with your Concunsmart account. You may also receive system-generated transactional e-mails such as confirmations, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your Concunsmart account. You expressly consent to receive such communications from us, irrespective of whether your phone number is registered on the National Do Not Call Registry.

As a Concunsmart account holder, you will occasionally receive information by e-mail from us, unless you have expressly chosen not to receive such communication, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us. However please note that you will still receive communication regarding your Concunsmart account such as transactional e-mails or other notifications affecting the operation of your Concunsmart account or our legal relationship.

Confidentiality and Security

Except as otherwise provided in this Privacy Policy, we will keep your Information private and will not share it with third parties, unless we believe in good faith that disclosure of your Information or any other information we collect about you is necessary to:

comply with a court order or other legal process;

Protect the rights, property or safety of Concunsmart or another party.

Enforce our Terms of Use or

Respond to claims that any posting or other content violates the rights of third parties.


We are committed to ensuring that your Information is secure. To prevent unauthorised access or disclosure of Information we have physical, electronic and managerial procedures in place to keep your information safe. Although we make good faith efforts to store Information in a secure operating environment that is not open to the public, you should understand that there is no such thing as complete security, and we do not guarantee that there will be no unintended disclosures of your Information. If we become aware that your Information has been disclosed in a manner not in accordance with this Privacy Policy, we will use reasonable efforts to notify you of the nature and extent of the disclosure (to the extent we know that information) as soon as reasonably possible and as permitted by law

Updates and Changes to Privacy Policy

We reserve the right, at any time, to add to, change, update, or modify this Privacy Policy so please review it frequently. If we do, then we will notify you here, as well as by posting a notice on our Website and, where appropriate, a link to the modified policy so that you can review it. In all cases, use of information we collect is subject to the Privacy Policy in effect at the time such information is collected. If you have questions or concerns, feel free to e-mail us or to correspond at Concunsmart Helpdesk and we will attempt to address your issue.