Disclaimer

The information provided on SmartWallet (smartwallet.net.in) is for general informational and educational purposes only. All content, guides, descriptions, and materials published on this website are provided "as is" without any representation or warranty, express or implied.

SmartWallet makes no representations or warranties regarding the accuracy, completeness, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is strictly at your own risk.

The content on this website is not intended to substitute professional legal, financial, or tax advice. You should consult qualified professionals for advice tailored to your specific circumstances.

SmartWallet is a peer-to-peer (P2P) token trading platform. Token trading involves significant risk, including but not limited to price volatility, liquidity risk, and potential loss of capital. Past performance or descriptions of earning models do not guarantee future results.

All descriptions of earning models on this website — including trading commissions, referral rewards, milestone bonuses, and volume-based incentives — are based on the app's published terms and user-reported outcomes. Individual results vary, and SmartWallet does not guarantee that any user will earn a specific amount of money or achieve any particular financial outcome.

Users should start with small amounts, learn how the platform functions, and only increase their trading activity once they fully understand the associated risks.

SmartWallet is not registered with the Reserve Bank of India (RBI) or the Securities and Exchange Board of India (SEBI). The digital tokens traded on the SmartWallet platform are not SEBI-regulated securities. SmartWallet does not operate as a bank, stock exchange, or regulated financial institution.

Payments on SmartWallet are processed through UPI (Unified Payments Interface), a payment system operated by the National Payments Corporation of India (NPCI) and facilitated by partner banks. SmartWallet acts solely as a technology platform that matches buyers with sellers; it does not hold, custody, or control user funds at any point during a transaction.

Users are solely responsible for complying with all applicable laws and regulations in India, including but not limited to income tax obligations on any earnings derived from token trading or referral activities. SmartWallet does not provide tax advice, and users should consult a qualified tax professional regarding their reporting obligations.

SmartWallet facilitates direct transactions between independent buyers and sellers. The platform does not:

• Guarantee the identity, honesty, or reliability of any buyer or seller
• Hold or escrow user funds at any stage of a transaction
• Provide insurance or compensation for losses arising from user error, fraud, or disputes
• Guarantee the completion of any trade listed on the platform

All payments on SmartWallet move directly between users via UPI. SmartWallet does not process, store, or handle any payment instruments, bank account details, or UPI credentials. Users are responsible for verifying payments in their own UPI or banking application before releasing tokens. Screenshots provided by other users are not reliable proof of payment — only a confirmed transaction in your own bank statement should be accepted.

In the event of a dispute between users, SmartWallet provides an in-app appeal system to facilitate resolution. However, SmartWallet makes no guarantee that any dispute will be resolved in a particular manner or within a specific timeframe.

The content on SmartWallet.net.in — including guides, blog posts, FAQs, articles, and descriptions — is for informational and educational purposes only. It does not constitute:

• Financial, investment, or trading advice
• Legal advice or legal opinion
• Tax advice or accounting guidance
• A solicitation or recommendation to buy, sell, or hold any digital token

You should not make any trading or financial decision based solely on the content published on this website. Always conduct your own independent research and consult appropriate professionals before engaging in any trading activity.

SmartWallet.net.in may contain links to external websites, platforms, and services — including but not limited to the SmartWallet Telegram channel, GitHub repository, and partner app listings such as Win03, MeteorPay, and WyWallet. These links are provided for your convenience and reference only.

SmartWallet does not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party website or service. When you click on an external link, you leave SmartWallet.net.in, and your interactions with the destination site are governed by its own terms and policies.

We encourage you to review the terms, privacy policies, and disclaimers of any third-party website you visit. SmartWallet shall not be liable for any loss or damage arising from your use of external links.

SmartWallet operates a referral program as described on the platform. By using referral codes, users may earn commissions and bonuses based on the activity of referred users. All referral rewards are governed by the SmartWallet app's terms, which may be updated from time to time.

SmartWallet does not guarantee specific earnings from its referral program. Referral commissions depend entirely on the trading activity of referred users, and results vary widely based on individual effort and network size. No representation is made that any user will achieve a particular level of referral income.

SmartWallet Editorial Team may from time to time provide links to the SmartWallet platform and other related apps. These links are provided for informational purposes, and the editorial team may receive compensation or other benefits from such referrals. However, all opinions, analyses, and descriptions remain independent and fact-based to the best of our knowledge.

To the fullest extent permitted by applicable law, SmartWallet, its owners, operators, employees, affiliates, and the SmartWallet Editorial Team shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or relating to:

• Your use or inability to use the SmartWallet app or website
• Any trading loss, including loss of capital or opportunity
• Errors, omissions, or inaccuracies in content published on this website
• Unauthorized access to or alteration of your data or transactions
• Statements or conduct of any third party on the platform
• Downtime, technical failures, or service interruptions

SmartWallet's total liability to any user for any claim arising out of or relating to the use of the platform or website shall not exceed the total amount of platform fees paid by that user in the twelve months preceding the event giving rise to the claim.

SmartWallet Editorial Team makes reasonable efforts to ensure that all content on SmartWallet.net.in is accurate, current, and complete as of the date of publication. However, the token trading landscape, regulatory environment, and platform terms can change rapidly.

SmartWallet does not warrant that:

• The information on this website is error-free, reliable, or current at all times
• Any defects or errors will be corrected promptly
• The website or its servers are free of viruses, malware, or other harmful components

Any dated content — including screenshots, fee tables, referral bonus structures, and user-reported outcomes — reflects the state of the platform at the time of writing and may have changed since publication. Users should verify current terms directly within the SmartWallet app before acting on any information.

By using SmartWallet.net.in or the SmartWallet app, you acknowledge and agree that:

• You are solely responsible for your own trading decisions and outcomes
• You will conduct your own research and due diligence before engaging in any transaction
• You will comply with all applicable Indian laws, including tax obligations
• You will follow the safety practices outlined in the User Safety Guide
• You will not use the platform for any illegal, fraudulent, or unauthorized purpose
• You will keep your account credentials, OTP, and password confidential
• You will not hold SmartWallet responsible for any loss arising from your failure to follow safety guidelines

All content published on SmartWallet.net.in — including text, graphics, logos, images, structured data, and code — is the intellectual property of SmartWallet unless otherwise stated. Unauthorized reproduction, distribution, modification, or republication of any content from this website is strictly prohibited without prior written consent from SmartWallet.

Third-party trademarks, service marks, and logos referenced on this website remain the property of their respective owners. Their inclusion does not imply endorsement or affiliation unless explicitly stated.

If you believe any content on SmartWallet.net.in infringes your copyright or intellectual property rights, please contact us through the in-app support channel or the Contact Us page with full details, and we will review the matter promptly.

SmartWallet reserves the right to update, modify, or revise this disclaimer at any time without prior notice. Any changes will be effective immediately upon posting the updated disclaimer on this page. The "Last Updated" date at the top of this page reflects the most recent revision.

We encourage users to review this disclaimer periodically to stay informed about how their rights and responsibilities are governed. Your continued use of SmartWallet.net.in or the SmartWallet app after any changes constitutes your acceptance of the revised disclaimer.

If you have any questions, concerns, or clarifications regarding this disclaimer or any legal aspect of the SmartWallet platform, please reach out to us:

• In-app support: Open the SmartWallet app and use the 24/7 live chat feature
• Website contact: Visit our Contact Us page for web-related inquiries

SmartWallet does not have a public phone number for support or legal inquiries. This is a deliberate anti-scam measure to prevent impersonation. Any phone number claiming to represent SmartWallet found on third-party websites is fraudulent. Please report such listings to us immediately.