Privacy Policy

Effective Date: September 11, 2026

AEGIS LIFE (SMC PRIVATE )LIMITED (“we”, “us” or “our”) respects your privacy and is committed to protecting personal and business information provided to us through our website, merchant onboarding process, payment integration services and related communications.

This Privacy Policy explains how we collect, use, disclose, retain and protect information when you visit our website, communicate with us, apply for merchant services, use our payment-related services, or otherwise interact with AEGIS LIFE (SMC PRIVATE )LIMITED.

1. Information We Collect

Depending on your relationship with AEGIS LIFE (SMC PRIVATE )LIMITED, we may collect the following information:

1.1 Business and Merchant Information

For merchant onboarding and business review, we may collect:

• Business or company name;
• Registration and incorporation information;
• Business address and contact details;
• Website, application or business platform information;
• Nature and description of business activities;
• Information concerning directors, owners, authorised representatives and beneficial owners;
• Tax, registration and other business documentation;
• Settlement and banking information where required;
• Information required for merchant due diligence, compliance or partner onboarding.

1.2 Personal Information

We may collect information such as:

• Name;
• Email address;
• Telephone/mobile number;
• Job title or business role;
• Identification or verification information where required for onboarding or compliance purposes;
• Communication records and information you voluntarily provide to us.

1.3 Technical Information

When you use our website, certain technical information may be collected automatically, including:

• IP address;
• Browser type and version;
• Device information;
• Operating system;
• Pages visited;
• Referring website;
• Date and time of access;
• Basic website usage information.

1.4 Transaction and Payment-Related Information

Where applicable to the services provided, we may process information relating to payment activity, including:

• Transaction reference;
• Transaction amount;
• Transaction date and time;
• Transaction status;
• Payment channel;
• Merchant reference;
• Technical or reconciliation information.

AEGIS LIFE (SMC PRIVATE )LIMITED does not necessarily receive or store complete payment credentials or authentication information belonging to customers. The information actually processed depends on the relevant payment channel, integration architecture and approved merchant setup.

2. How We Use Information

We may use collected information to:

• Review and onboard merchants;
• Conduct business due diligence and compliance checks;
• Coordinate payment-channel approval;
• Provide payment integration and technical support;
• Facilitate or support approved payment journeys;
• Track and communicate transaction status;
• Assist with reconciliation and operational enquiries;
• Communicate with merchants and customers regarding services;
• Detect, prevent and investigate fraud, misuse or unauthorised activity;
• Maintain the security and reliability of our systems;
• Improve our website and services;
• Comply with applicable legal, regulatory and contractual requirements;
• Establish, exercise or defend legal rights and claims.

3. Payment Service Providers and Third Parties

AEGIS LIFE (SMC PRIVATE )LIMITED may work with third-party payment channels, financial institutions, technology providers, service partners and other authorised parties in connection with merchant onboarding and payment services.

Depending on the applicable merchant arrangement, information may therefore be processed or shared where reasonably necessary to:

• Complete merchant review;
• Obtain or maintain channel approval;
• Process or support transactions;
• Verify transaction status;
• Perform reconciliation;
• Resolve disputes or transaction enquiries;
• Meet compliance or legal requirements;
• Provide technical or operational services.

Easypaisa, JazzCash and Raast are operated by their respective organisations and rights holders. AEGIS LIFE (SMC PRIVATE )LIMITED does not claim ownership of their names, trademarks or logos.

4. Cookies and Similar Technologies

Our website may use cookies or similar technologies to improve website functionality, security and user experience.

You may be able to control or disable cookies through your browser settings. Certain website functions may not operate correctly if cookies are disabled.

5. Information Security

We take reasonable administrative, technical and organisational measures to protect information against unauthorised access, misuse, alteration, disclosure or destruction.

However, no website, electronic transmission or information-storage system can be guaranteed to be completely secure. Accordingly, AEGIS LIFE (SMC PRIVATE )LIMITED cannot guarantee absolute security of information transmitted through the internet.

6. Data Retention

We retain information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• Providing and supporting services;
• Maintaining business and transaction records;
• Meeting legal, regulatory and contractual obligations;
• Resolving disputes;
• Preventing fraud and misuse;
• Protecting our legitimate business interests.

Retention periods may vary depending on the type of information and the applicable legal or contractual requirements.

7. Information Sharing

We do not sell personal information as a business practice.

We may disclose information to appropriate third parties where reasonably necessary for the purposes described in this Policy, including:

• Payment and financial service partners;
• Technology and infrastructure providers;
• Professional advisers;
• Compliance and verification service providers;
• Legal authorities where required by law;
• Auditors and business service providers;
• Parties involved in a merger, acquisition, restructuring or similar corporate transaction.

8. Merchant Responsibilities

Merchants are responsible for ensuring that information submitted to AEGIS LIFE (SMC PRIVATE )LIMITED is accurate, complete and lawfully provided.

Where a merchant provides personal information relating to its customers, employees, directors or other individuals, the merchant is responsible for ensuring that it has the appropriate authority or legal basis to provide such information.

9. Third-Party Websites and Services

Our website or services may contain links to third-party websites or services.

AEGIS LIFE (SMC PRIVATE )LIMITED is not responsible for the privacy practices, content or security of third-party websites or services. Users should review the relevant third party’s privacy policy before providing information.

10. Children’s Information

Our services are intended for businesses, merchants and general users of lawful age.

AEGIS LIFE (SMC PRIVATE )LIMITED does not knowingly seek to collect personal information from children for independent commercial purposes.

11. Your Rights and Requests

Subject to applicable law, you may contact us regarding:

• Access to information we hold about you;
• Correction of inaccurate information;
• Questions regarding our use of information;
• Requests concerning deletion or restriction where legally applicable.

Certain information may need to be retained where required for legal, regulatory, security, transaction or contractual purposes.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we make material changes, we may update the Effective Date or otherwise provide appropriate notice through our website or other communication channels.

13. Contact Us

For privacy-related questions or requests, please contact:

AEGIS LIFE (SMC PRIVATE )LIMITED
No. 312, Third Floor, Lords Trade Center, F-11

Phone: 03255879363
Email: mosinsaeedcompany537@gmail.com

By using our website or submitting information to AEGIS LIFE (SMC PRIVATE )LIMITED, you acknowledge that you have read and understood this Privacy Policy.