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Legal & Regulatory Information

This section provides access to every contractual and legal document governing the use of our platform and services. We are committed to legal transparency, regulatory compliance, and the protection of your data.
1
Data Protection & Privacy
Privacy Policy
Describes how we collect, use, store, and protect your personal data in accordance with privacy regulations.
GDPR Policy
Details our compliance with the European Union's General Data Protection Regulation (GDPR).
Cookie Policy
Outlines how cookies and similar technologies are used on our websites and platforms.
2
AML, Fraud & Security
AML/KYC Policy
Explains our procedures for Anti-Money Laundering (AML) and Know Your Customer (KYC) verification.
Anti-Fraud Policy
Highlights the measures we take to detect, prevent, and respond to fraudulent activities.
Business Continuity Policy
Details how we maintain operational resilience and service continuity during disruptions.
3
Payments & Digital Wallets
Apple Pay – Terms & Conditions
Sets the conditions for using Apple Pay in connection with your account.
Google Pay Terms
Provides rules for linking and using your account through Google Pay.
4
Online Platform & User Interaction
Terms And Conditions
Sets the conditions for your Smart Energy Pays account and the associated services. It also contains other important information you need to know.
Imprint
Provides company and legal publisher identification details as required by law.
Intellectual Property Notice
States our ownership rights and user restrictions related to brand and content usage.
5
Disclosures & Compliance Statements
Regulatory Compliance Statement
Confirms our adherence to applicable laws and regulations in all jurisdictions where we operate.
Disclaimers
Contains general legal disclaimers about the use of our products, services, and information.
Deposit Protection FAQ
Clarifies whether and how your deposits are protected under relevant schemes.
6
Customer Rights & Complaints
Complaints & Disputes Handling Policy
Explains how you can file a complaint and the steps we take to resolve it.
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Copyright © 2025 Smart Energy Provider. All Rights Reserved.

Smart Energy Provider Limited, No. 5, 17/F Strand 50 50 Bonham Strand, Sheung Wan, Hong Kong, BRC: 76434508-000

SMART ENERGY PAY SOLUTION LTD., 1054-7070E Farrel Rd SE, Calgary, T2H0T2 Canada, BRC: 767380157, MSB license: C100000081

Smart Energy Limited, RAK Digital Assets Oasis,Post Box #30099, RAKBANK Headquarters, Government of Ras Al Khaimah, United Arab Emirates, BRC: 01010479, License No. 07010478

Smart Energy Provider sro., Varšavská 715/36, Vinohrady, 120 00 Prague 2, Czech Republic, BRC: 19885113

Smart Energy Pays is providing its services as an agent of JDB Bank, a reputable and fully authorized bank in Laos. JDB Bank holds all the necessary approvals from both the Government and the Central Bank of Laos, ensuring that all operations are compliant with national regulations and banking standards. With JDB Bank's extensive network of physical branches across Laos, Smart Energy Pays complements this reach by enhancing accessibility through its robust online platform. Smart Energy Pays enhances online accessibility by offering its digital banking platform, complementing the extensive network of JDB Bank's physical agencies.

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