# LLMs-Full.txt - Full Content for Project Pages # Generated on: 2026-09-05T17:49:38.257Z # Total pages: 64 --- ## URL: https://www.getsmileapi.com/seamless-digital-onboarding-and-kyc-automation ### Title: Smile Flip ### Page ID: 7312321 ### Content: # **Smile Flip: Seamless Digital Onboarding & KYC Automation** ## **Accelerate Customer Onboarding with Smile Flip—Digital Identity Verification & Automated Data Capture** ## **Why Choose** **Smile Flip****?** #### **Instant Identity Verification** #### **Automated Form Autofill** #### **Customizable Workflows** #### **Fewer Drop-Offs, More Conversions** #### **Easy Integration** ## **Easy to Integrate with Your App** ## **or Platform** ## **Use Cases Where** **Smile Flip** **Delivers** #### **Bank & E-Wallet Account Opening** #### **Digital Lending Registration** #### **Loan Application Pre-Screening** ## **Business Impact** ## **Ready to transform your onboarding process?** Smile Flip is your all-in-one onboarding solution, built for banks, fintechs, and digital lenders who want to convert more users and reduce drop-offs. Effortlessly verify identities, auto-fill forms, and capture documents—delivering a frictionless sign-up experience that keeps customers moving forward. Authenticate new users using official IDs, face matching, and direct access to government records for robust KYC compliance. Eliminate manual data entry by extracting key details—like name, birthdate, and ID number—from uploaded documents. Tailor onboarding steps, fields, and branding to fit your specific KYC and business requirements. Keep users engaged with a fast, intuitive onboarding journey that minimizes friction and reduces abandonment. Plug-and-play APIs and modular components fit seamlessly into your existing platform or app. **Smile Flip** is developer-friendly, with plug-and-play One API for ID checks, face matching, and access to identity databases. High-precision extraction from photos of IDs, payslips, and forms—no manual input needed. Adapt onboarding steps for banking, lending, e-wallets, or any regulated industry. Enterprise-grade encryption and full compliance with KYC, AML, and data privacy regulations. Accelerate sign-ups with integrated KYC, document capture, and instant form autofill. Collect and verify borrower data quickly, reducing onboarding time and drop-off rates. Confirm identity and income details at the top of the funnel for faster, more accurate approvals. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) --- ## URL: https://www.getsmileapi.com/end-user-terms-and-conditions ### Title: End User Terms and Conditions ### Page ID: 117665 ### Content: ### END USER TERMS & CONDITIONS ### TABLE OF CONTENTS ### **Section 1. ACCEPTANCE OF TERMS AND CONDITIONS** ### **Section 2. SMILE PLATFORM** ### **Section 3. USER REPRESENTATIONS AND PROHIBITIONS** ### **Section 4. GUIDELINES FOR COMMUNICATION WITH AND SUBMISSIONS TO US** ### **Section 5. PLATFORM MANAGEMENT AND THIRD-PARTY WEBSITE AND CONTENT** ### **Section 6. PERSONAL INFORMATION AND PRIVACY POLICY** ### **Section 7. INTELLECTUAL PROPERTY RIGHTS** ### **Section 8. TERM AND TERMINATION** ### **Section 9. MODIFICATIONS AND INTERRUPTIONS** ### **Section 10. GOVERNING LAW** ### **Section 11. DISPUTE RESOLUTION** ### **Section 12. DISCLAIMER** ### **Section 13. LIMITATIONS OF LIABILITY** ### **Section 14. INDEMNIFICATION** ### **Section 15. USER DATA** ### **Section 16. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES** #### **Section 17. MISCELLANEOUS** #### **Section 18. CONTACT US** Welcome to Smile API. Please read and accept these TERMS & CONDITIONS (T&Cs) before accessing or using the services of Smile. **PLEASE READ THE T&Cs CAREFULLY AS THEY CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND SMILE.** These T&Cs are an agreement between you (“**user**”, “**you**” or “**your**”) and Smile Technology Pte. Ltd. and its subsidiaries and affiliates, all of which are doing business under the name of “Smile” (collectively “**Smile**”, “**Company**”, “**we**”, “**our**”, “**us**”). These T&Cs constitute a legally binding agreement made between you, whether personally or on behalf of an entity, and Smile, concerning your access to and use of the website at https://www.getsmileapi.com as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto, including Smile’s software-as-a-service platform that allows our clients, as directed by you, to access and collect employment data, plus all related software applications and applications programming interfaces (collectively the “**Platform**”). The Platform integrates with certain client applications, and our clients use the Platform in order to access employment data. Smile electronically retrieves employment data from certain data sources, which may include you as directed by you, and sends these employment data to client applications. We are registered in Singapore. You agree that by accessing or using the Platform, you have read, understood, and agreed to be bound by all of these T&Cs. The Platform is offered to you conditioned on your agreement to these T&Cs. Your use of the Platform constitutes your agreement to all such terms, conditions, and any rules of conduct as Smile may implement. If you do not agree with all these T&Cs, please refrain from accessing or using the Platform and you must discontinue access or use immediately. Supplemental terms and conditions or documents that may be posted on the Platform from time to time are hereby expressly incorporated herein by reference. Smile reserves the right to amend, change, and/or modify these T&Cs from time to time without any specific advance notice to you. You are strongly recommended to regularly review and read the T&Cs. Any changes to these T&Cs will be effective immediately upon posting in the Platform, with an updated effective date. By accessing or using the Platform after any changes have been made, you agree to the modified T&Cs and all the changes made therein. If you do not agree with the modified T&Cs, please refrain from accessing or using the Platform and from availing of the services therein, as applicable. The information provided on the Platform is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Platform from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. You likewise agree that the provisions, disclosures and disclaimers set forth herein are fair and reasonable and that your agreement to follow and be bound by these T&Cs is voluntary and is not a result of fraud, duress, or undue influence exercised upon you by any person or entity. The Platform is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use the Platform. You have accessed the Platform as integrated into a client application or using a web browser via an access URL provided by or at the request of a client of Smile. The Platform allows you to obtain your employment data available to you under your credentials from data sources and deliver employment data to the client providing the client application or access URL. As you access and use the Platform, you generally will have initiated a process with a client (e.g. a loan application or employment verification). You will then be prompted to (i) select the data sources where you are directing the Platform to access and retrieve your employment data, and (ii) enter your credentials to those data sources within the Platform. You will then be prompted to give your explicit consent, and you hereby expressly authorize and instruct the Platform, to use your credentials to electronically retrieve your employment data from the data source(s) you have selected. After the Platform retrieves your employment data, it is delivered to the client application or otherwise to the client whose process resulted in your receipt of the access URL, as instructed by you, in order for the clients to provide you with their products and services. With such explicit consent, you may also allow our clients to update your employment data at data source(s) on your behalf and as instructed by you, including streamlining employment data across your data source account(s) solely as instructed by you on a case-bycase basis. For clarity, the Platform may retrieve updated employment data from data sources on a periodic basis in accordance with your consent until the consent expires or is withdrawn, and standardize, categorize, merge, aggregate, and otherwise process your employment data before delivering it to the applicable client or third party, as set forth above and in accordance with our Privacy Policy. By providing us with your credentials corresponding to the different data sources, you confirm that you have all the necessary rights, permissions and authority to share them with us, and you grant us explicit consent to use your credentials to access your employment data on your behalf and at your direction in order to provide you with our services through the Platform, as described in these T&Cs and our Privacy Policy. We do not check the accuracy of the employment data retrieved from data source(s) and we rely on you and our clients to ensure that your employment data is accurate and up to date. We do not charge you for your use of the Platform. However, our clients may charge you for products and services provided to you, including those that make use of the Platform. In addition, clients may pay us fees and other amounts in connection with the services we provide you or separately provide them. OUR CLIENTS’ USE OF EMPLOYMENT DATA IS SUBJECT TO YOUR AGREEMENT WITH THE CLIENT, AND THE CLIENT’S OWN PRIVACY POLICY. WE ENCOURAGE YOU TO CAREFULLY REVIEW YOUR AGREEMENT WITH THE CLIENT AND THE CLIENT’S PRIVACY POLICY PRIOR TO ADDING ANY CLIENT AS A CONNECTION ON THE PLATFORM. WE DO NOT CONTROL, SUPERVISE, OR MANAGE CLIENT’S PROCESSING OF EMPLOYMENT DATA, AND HAVE NO RESPONSIBILITY OR LIABILITY ARISING FROM OR RELATED TO SUCH PROCESSING OR OTHER ACTS OR OMISSIONS BY THE CLIENT. SMILE ENTERS INTO AN AGREEMENT WITH EACH CLIENT WHICH REQUIRES THE CLIENT TO USE EMPLOYMENT DATA ONLY AS NECESSARY IN CONNECTION WITH THE CLIENT’S PROVISION TO YOU OF ITS PRODUCTS OR SERVICES IN ACCORDANCE WITH APPLICABLE LAW, AND FURTHER REQUIRES THE CLIENT TO EMPLOY COMMERCIALLY REASONABLE SAFEGUARDS TO SECURE EMPLOYMENT DATA FROM UNAUTHORIZED USE OR DISCLOSURE. HOWEVER, WE DO NOT OTHERWISE CONTROL THE USE OR STORAGE OF EMPLOYMENT DATA BY THE CLIENT. SMILE’S INTEGRATION WITH CLIENTS AND DATA SOURCES IS PROVIDED SOLELY AS A CONVENIENCE TO YOU AND NOT AS AN ENDORSEMENT BY US OF SUCH CLIENTS OR DATA SOURCES. WE ARE NOT RESPONSIBLE FOR THE CONTENT OF ANY CLIENT APPLICATIONS, DATA SOURCES, OR OTHER THIRD-PARTY SITES, OR FOR ANY ACTS OR OMISSIONS OF ANY CLIENT, DATA SOURCE OR OTHER THIRD PARTY, AND WE DO NOT MAKE ANY REPRESENTATIONS REGARDING THE CONTENT OR ACCURACY OF MATERIALS THEREON OR THE PRODUCTS OR SERVICES PROVIDED BY ANY CLIENT OR OTHER THIRD PARTY. By using the Platform, you represent and warrant that: a. All information you submit in accordance with our requirements, which will be used to determine your eligibility to use the Platform, are true, accurate, current, complete, and owned by you, and that you are authorized to provide such information for the purpose of collecting and using employment data b. You will maintain the accuracy of such information and promptly update such information as necessary c. You are authorized to permit third parties, including Smile, to electronically access your data accounts and electronically retrieve employment data therefrom d. You have the legal capacity and you agree to comply with these T&Cs; e. You are not a minor (i.e., less than 18 years old) in the jurisdiction in which you reside; f. By using the Platform and entering into and complying with these T&Cs, you are not violating any g. You will not use the Platform for any illegal or unauthorized purpose; and h. You will comply with all applicable laws (local and other laws) when using the Platform, and your use of the Platform will not violate any applicable law or regulation. You may not access or use the Platform for any purpose other than that for which we make the Platform available. The Platform may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. a. Trick, defraud, or mislead us and other users, especially in any attempt to learn personal information of b. Circumvent, disable, or otherwise interfere with security-related features of the Platform, including features that prevent or restrict the use or copying of any content or enforce limitations on the use of the c. Use any software or networking techniques, including use of a Virtual Private Network (VPN) to modify your internet protocol address or otherwise circumvent these T&Cs; d. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Platform; e. Use any information obtained from the Platform in order to harass, abuse, or harm another person; f. Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person g. Make improper use of our support services or submit false reports of abuse or misconduct; h. Use the Platform in a manner inconsistent with any applicable laws or regulations; i. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Platform or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Platform; j. Interfere with, or attempt to interrupt the proper operation of, the Platform through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any data, files, or passwords related to the Platform through hacking, password or data k. Delete the copyright or other proprietary rights notice from any content; l. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes m. Interfere with, disrupt, or create an undue burden on the Platform or the networks or services connected n. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion o. Attempt to bypass any measures of the Platform designed to prevent or restrict access to the platform, p. Copy or adapt the Platform’s software, including but not limited to Flash, PHP, HTML, JavaScript, or q. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Platform; r. Use a buying agent or purchasing agent to make purchases on the Platform; s. Make any unauthorized use of the Platform, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user t. Use the Platform as part of any effort to compete with us or otherwise use the Platform and/ or the content for any revenue-generating endeavor or commercial enterprise; u. Use the Platform to advertise or offer to sell goods and services; or Although you are free to e-mail us, we do not want you to, and you should not, e-mail us any content that contains confidential information. With respect to all e-mails and communications you send to us, including, but not limited to, ratings, feedback, questions, comments, suggestions, and the like, we shall be free to use any ratings data, ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production, and marketing of products and services that incorporate such information, without compensation or attribution to you. a. monitor the Platform for violations of these T&Cs or to review or edit any content for the purpose of operating the Platform, to ensure compliance with these T&Cs and to comply with applicable law or b. remove or disable access to any content, including user content, at any time and without notice, including, but not limited to, if we, at our sole discretion, consider it objectionable or in violation of these c. take appropriate legal action against anyone who, in our sole discretion, violates the law or these T&Cs, including without limitation, reporting such user to and to cooperate with the investigation of law d. in our sole discretion and without limitation, notice, or liability, to remove from the Platform or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and e. otherwise manage the Platform in a manner designed to protect our rights and property and to facilitate The Platform may contain (or you may be sent via the Platform) links to other websites ("ThirdParty Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Platform or any Third-Party Content posted on, available through, or installed from the Platform, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Platform and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware that these T&Cs no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Platform or relating to any applications you use or install from the Platform. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites. We care about data privacy and security. Please review our Privacy Policy, which discusses how we collect, use and share your information. By using the Platform, you agree to be bound by our Privacy Policy, which is incorporated into these T&Cs. You agree and authorize Smile to process, store, share, use and verify your personal information for the purposes set forth in these T&Cs and to the extent we otherwise determine as necessary and/or advisable, in our sole discretion, to comply with applicable law. Unless otherwise indicated, the Platform is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Platform (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws, international copyright laws, and international conventions. The Content and the Marks are provided on the Platform “AS IS” for your information and personal use only. Except as expressly provided in these T&Cs, no part of the Platform and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. Provided that you are eligible to use the Platform, you are granted a limited license to access and use the Platform and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Platform, the Content and the Marks. The Marks are registered and unregistered trademarks of us or third parties. Nothing on the Platform and in these T&Cs shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use (including as a meta tag or as a hyperlink to any other website) any Marks displayed on the Platform, without our written permission or any other applicable trademark owner. All third-party trademarks including logos, icons and other related features referenced by our clients or users shall remain their sole and exclusive ownership and property. Unless specifically identified as such, our use of third-party trademarks does not indicate any relationship, sponsorship, or endorsement between us and the owners of these trademarks. Any reference by the Company to third party trademarks is to identify the corresponding third-party services and shall be considered nominative fair use under the trademark law. We respect the intellectual property rights of others. If you believe that any material available on or through the Platform infringes upon any copyright you own or control, please immediately notify us using the contact information provided in Section 18 below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law, you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Platform infringes your copyright, you should consider You are and shall remain the owner of your employment data. You hereby grant Smile a worldwide, royalty-free right and license to access and use your employment data solely to provide you with the Platform and as otherwise expressly provided in these T&Cs. These T&Cs shall remain in full force and effect as you use the Platform. WITHOUT LIMITING ANY OTHER PROVISION OF THESE T&Cs, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, RESTRICT, DENY, SUSPEND OR TERMINATE ACCESS TO AND USE OF THE PLATFORM TO ANY PERSON FOR ANY REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE T&Cs OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE PLATFORM WITHOUT WARNING IN OUR SOLE DISCRETION. If we terminate or suspend your access to the Platform for any reason, you are prohibited from using the services or the Platform. In addition to that, we reserve the right to take appropriate legal action, including without limitation, pursuing civil, criminal, and/or injunctive redress. Termination shall, however, not affect any accrued rights and liabilities. We reserve the right to change, modify, or remove the contents of the Platform at any time or for any reason at our sole discretion without notice. There may be information on the Platform that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Platform at any time, without prior notice. However, we have no obligation to update any information on our Platform. We also reserve the right to modify or discontinue all or part of the Platform without notice at any time. We will not be liable to you or any third party for any modification, price change, We cannot guarantee the Platform will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Platform, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Platform at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Platform during any downtime or discontinuance of the Platform. Nothing in these T&Cs will be construed to obligate us to maintain and support the Platform or to supply any corrections, updates, or releases in connection therewith. These T&Cs and your use of the Platform are governed by and construed in accordance with the laws of Singapore except as where a particular local law is necessary or required to be applied, in which case such local law will apply, without giving effect to any conflict of laws provisions thereof. The parties shall use their good faith efforts to resolve any dispute, controversy or claim of any nature whatsoever arising out of or in relation to or in connection with these T&Cs. To this end, the parties in dispute shall each promptly appoint representatives of appropriate standing who shall meet and attempt to resolve any dispute between them. However, if negotiation as described above fails, any dispute arising out of or in connection with this contract, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved in accordance with the Arbitration Rules of Singapore, which rules are deemed to be incorporated by reference in this clause. The language of the arbitration shall be English. In no event shall any dispute brought by you or us related in any way to the Platform be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither you nor us will elect to arbitrate any dispute falling within that portion of this provision found to be illegal or unenforceable and such dispute shall be decided by a court of competent jurisdiction, and you agree to submit to the personal jurisdiction of that court. You agree that any arbitration shall be limited to the dispute between us and you. You agree that you may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. To the full extent permitted by law, no arbitration shall be joined with any other proceeding. There is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures, and there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. Nonetheless, the following disputes are not subject to the above provisions concerning binding arbitration: a. any dispute seeking to enforce or protect, or concerning the validity of, any of the intellectual property b. any dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized THE PLATFORM AND ANY CONTENT CONTAINED THEREIN IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE PLATFORM AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE PLATFORM AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE PLATFORM’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE PLATFORM AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY a. ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS; b. PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR c. UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN; d. INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE PLATFORM; e. BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE f. ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE Accordingly, all data and/or information contained in the Platform are provided for informational purposes only. No representations or warranties of any kind, implied, express, or statutory, including the warranties of non-infringement of third-party rights, title, merchantability, satisfactory quality, or fitness for a particular purpose, are given in conjunction with the Platform. Without prejudice to the generality of the foregoing, we do not warrant: a. the accuracy, timeliness, adequacy, commercial value, or completeness of all data and/or information b. that employment data is accurate, complete, up to date, or otherwise reliable, and we have no responsibility or obligation to verify, investigate or review employment data; c. that the Platform or the services will be provided uninterrupted, secure, or free from errors or omissions, d. that the Platform or the services are free from any computer virus or other malicious, destructive, or e. the security of any information transmitted by you or to you through the Platform or the services, and you accept the risk that any information transmitted or received through the Platform may be accessed by unauthorized third parties and/or disclosed by us or our officers, employees, or agents to third parties purporting to be you or purporting to act under your authority; and f. that data transmissions over the Internet and electronic mail will be free from interruption, transmission blackout, delayed transmission due to Internet traffic, or incorrect data transmission due to the public IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE PLATFORM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US OR USD $1,000.00. You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, due to or arising out of your: c. breach of any of your representations and warranties set forth in these T&Cs; d. violation of the rights of a third party, including but not limited to intellectual property rights; e. your gross negligence, willful misconduct, or fraud; or f. any overt harmful act toward any other user of the Platform We will maintain certain data that you transmit to the Platform for the purpose of managing the performance of the Platform, as well as data relating to your use of the Platform. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Platform. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data. Visiting the Platform, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Platform, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE PLATFORM. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means. These T&Cs and any policies or operating rules posted by us on the Platform or in respect to the Platform constitute the entire agreement and understanding between you and us. These T&Cs operate to the fullest extent permissible by law. No waiver of any provision of these T&Cs shall be effective. No failure or delay by the Company in exercising any right, power or remedy under these T&Cs shall operate as a waiver thereof, nor shall any single or partial exercise of the same preclude any further exercise thereof or the exercise of any other right, power, or remedy. Without limiting the foregoing, no waiver by the Company of any breach by you or any third party of any provision hereof shall be deemed to be a waiver of any subsequent breach of that or any other provision hereof. The rights and remedies in these T&Cs are cumulative and not exclusive of any rights and remedies provided by the applicable laws, rules, and regulations. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these T&Cs is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these T&Cs or use of the Platform. You agree that these T&Cs will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these T&Cs and the lack of signing hereto to execute these T&Cs. In order to resolve a complaint regarding the Platform or to receive further information regarding use of the Platform, please contact us at [legal@getsmileapi.com](mailto: legal@getsmileapi.com). [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - 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[API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") 1. [ACCEPTANCE OF TERMS AND CONDITIONS](#ACCEPTANCE-OF-TERMS%2520AND%2520CONDITIONS) 2. [SMILE PLATFORM](#SMILE-PLATFORM) 3. [USER REPRESENTATIONS AND PROHIBITIONS](#USER-REPRESENTATIONS-AND-PROHIBITIONS) 4. [GUIDELINES FOR COMMUNICATION WITH AND SUBMISSIONS TO US](#GUIDELINES-FOR-COMMUNICATION-WITH-AND-SUBMISSIONS-TO-US) 5. [PLATFORM MANAGEMENT AND THIRD-PARTY WEBSITE AND CONTENT](#PLATFORM-MANAGEMENT-AND-THIRD-PARTY-WEBSITE-AND-CONTENT) 6. [PERSONAL INFORMATION AND PRIVACY POLICY](#PERSONAL-INFORMATION-AND-PRIVACY-POLICY-2) 7. [INTELLECTUAL PROPERTY RIGHTS](#INTELLECTUAL-PROPERTY-RIGHTS) 8. [TERM AND TERMINATION](#TERM-AND-TERMINATION) 9. [MODIFICATIONS AND INTERRUPTIONS](#MODIFICATIONS-AND-INTERRUPTIONS) 10. [GOVERNING LAW](#GOVERNING-LAW) 11. [DISPUTE RESOLUTION](#DISPUTE-RESOLUTION) 12. [DISCLAIMER](#DISCLAIMER) 13. [LIMITATIONS OF LIABILITY](#vlmidkcjbgyovjzhlqdnxxaclphzuqddculc_vlmidkcjbgyovjzhlqdnxxaclphzuqddculc) 14. [INDEMNIFICATION](#INDEMNIFICATION) 15. [USER DATA](#USER-DATA) 16. [ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES](#ELECTRONIC-COMMUNICATIONS-TRANSACTIONS-AND-SIGNATURES) 17. [MISCELLANEOUS](#MISCELLANEOUS) 18. [CONTACT US](#CONTACT-US) --- ## URL: https://www.getsmileapi.com/privacy-policy ### Title: Privacy Policy ### Page ID: 117669 ### Content: ### Smile API Privacy Policy #### **TABLE OF CONTENTS** This Smile API Privacy Policy applies to Smile Technology Pte. Ltd. and its subsidiaries and affiliates (collectively “**Smile**”, “**Company**”, “**we**”, “**our**” or “**us**”). It represents our commitment to treat information with utmost care, transparency and confidentiality in compliance with relevant and applicable data privacy laws and regulations, and with constantly changing commercially acceptable standards for data protection (collectively, the “**law**”). This Privacy Policy only covers the information that Smile collects, uses, stores, processes and shares. It does not explain what third parties do with any information they may collect about you separately from Smile. This policy also does not cover any websites, platforms, products, or services provided by others. We encourage you to review the privacy policies or notices of those third parties for information about their practices and we hope you will take some time to read this Privacy Policy. When you use our website, application or platform (“**Platform**”), as the case may be, and more generally, use any of our services (the “**Services**”), we appreciate that you trust us with your personal information. We take your privacy very seriously. In this Privacy Policy (“**Policy**”), we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this Policy that you do not agree with, please discontinue use of our Services immediately. With this policy, we present transparently that we gather, process, store and use the data of persons fairly and in accordance with law. As part of our drive to serve you better, we need to obtain and process your information. Smile collects or processes this information only with the full knowledge, cooperation and consent of interested parties. Your data will be kept up-to-date, collected or processed fairly and for lawful purposes only. The information you give us will be processed within legal boundaries and will be protected against any unauthorized or illegal access by internal or external parties. You are free to exercise your rights under the law as a data subject and we fully respect the same. Your data will not be distributed to any party other than the ones consented and agreed by you or the data’s owner (exempting those compellable to be disclosed by law and legitimate requests from courts of competent jurisdiction and law enforcement authorities). Without such express consent from you or the data owner, it will not be communicated or transferred, informally or in any manner, to any other person, entity, organization or country. We also allow you to modify, erase, reduce or correct data contained in our databases in line with your rights under the law. We will have provisions in cases of lost or corrupted data.  For protection, our officers and employees will be trained in online privacy and data security and will establish data protection practices (secure locks, data encryption, access authorization, etc.). In addition, security measures will be built through a secure network to protect data from cyber attacks. We may change this Policy from time to time without any advance notice. Should there be material changes to the Policy, you shall be promptly notified via e-mail and/or through our Platform. You are strongly recommended to regularly review and read the Privacy Policy. Any changes in this Policy will be effective immediately upon posting in the Platform, with an updated effective date. In case of any inconsistency with any other policy of Smile regarding data, information and system security measures, this Privacy Policy will govern. This Policy applies to all information collected through our Services, as well as any related services, sales, marketing or events. Your privacy is important to us, and we take it very seriously. The Policy exists to keep you informed as it is incorporated into and made a part of Smile’s Terms of Use in the course of providing the Services or access to the Platform to you. **Please read this Policy carefully as it will help you understand what we do with the information that we collect. Thank you for using Smile!** ***In Short:***  *We collect your information to enable us to provide our Services to you.* We are a company duly organized and existing under the laws of the Republic of Singapore. Subject to our Terms of Use, we will need to collect your personal information to the extent needed for you to access and for us to provide to you our Services. ***In Short:***  *We collect information that you provide to us.* We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our Services, or otherwise when you contact us. The personal information that we collect depends on the context of your interactions with us. The personal information we collect may include the following: a)    identity data, such as your name, gender, profile picture, identification number, and date of birth; b)    contact data, such as billing address, delivery address, email address, and phone numbers; c)    account data, such as your user ID, connected accounts, your profile information such as your login d)    employment data, such as your employer, job title, work history, job ratings; e)    income data, such as gross income, net income; f)     financial transaction data, such as payouts, insurance contributions, liabilities; g)    documentary data, such as identification documents, payslips, tax returns; h)    technical data, such as Internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, international mobile equipment identity, device identifier, and other information and technology on the devices you use to access i)     usage data, such as information on how you use the Platform, products, and Services or view any content on k)    marketing and communications data, such as your preferences in receiving marketing from us and/or third l)     Legal data, such as criminal records and related background All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information. We shall have the right to request for documentation to verify the personal information provided by you as part of our user verification processes. During the course of your use of the Platform and the provision of the Services, you expressly consent to the transfer of your personal information from third parties to the Company for the purposes set out in this Privacy Policy or any other terms. We will only be able to collect your personal information if you voluntarily submit the same to us or as otherwise provided for under this Privacy Policy. Unfortunately, if you choose not to submit your personal information to us or subsequently withdraw your consent in connection with our use of your personal information, we may not be able to provide you with the Services or access to the Platform. ***In Short:***  *We may collect limited data from public databases, marketing partners, and other outside sources.* To the extent permitted by law, in order to enhance our ability to provide relevant marketing, offers and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, as well as from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, intent data (or user behavior data), Internet Protocol (IP) addresses, social media profiles, social media URLs and custom profiles, for purposes of targeted advertising and event promotion.  When collecting information from third-party sources, Smile ensures that the third-party provider has secured the users’ or your consent to the sharing of their data for marketing purposes.  ***In Short:*** *We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or for other purposes with your consent.* We use personal information for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. a)    To facilitate, provide and maintain our Service, including to monitor the usage of our Service or access to the Platform; b)    To improve the efficiency and operation of the Platform and/or Services; c)  To manage and administer your account and your registration as a user of the Service. The personal information you provide can give you access to different functionalities of the Service that are available to you as a registered user; d)  To perform verification procedures regarding your identity in order to provide to you our Services appropriately; e)    To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products, or contracted services, including the security updates, when necessary or reasonable for their implementation; f)    To notify and provide you with updates, news, special offers and general information about services and events which we offer or enquired about unless you have opted not to receive such information; g)    To respond to and manage your queries, feedback, claims, disputes, troubleshoot problems, or product and customer service requests, whether directly or through customer service team; i)   To send you marketing and promotional communications whereby we and/or our third-party marketing partners may use the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences; j)      For and in the performance of a contract, the development, compliance and undertaking of the purchase contract for the products, items, or services you have purchased or of any other contract with us through the Service; k)   For business transfers: We may use your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Service users is among the assets transferred; and l)      For other purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing, and your experience. ***In Short:***  *We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.* The Company acknowledges its role and responsibilities under the law, subject to the provisions of this Policy. You consent to our outsourcing of our data processing activities within and among Smile and its subsidiaries and affiliates. We may share, transfer, disclose, and/or permit the sharing of your information with our service providers, business partners and affiliates which include our parent company and any subsidiaries, joint venture partners, or other companies controlled by us or under common control with us, in order to provide our Services and to facilitate your use of the Services, to complete a transaction with you, to manage your account and our relationship with you, to enhance fraud protection, to reduce credit risk, to facilitate marketing and promotions, and to fulfill any legal or regulatory requirements and requests as deemed necessary by us. We may also process or share your data that we hold based on the following legal basis: a)    **Consent:** We may process your data if you have given us specific consent to use your personal b)    **Legitimate Interests:** We may process your personal information when it is reasonably necessary to achieve our legitimate business interests. c)    **Performance of a Contract:** Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract, including third party data processors necessary to perform such contractual services (i.e. cloud providers). d)    **Legal Obligations:** We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements). e)    **Vital Interests:** We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved. Any data transfer/sharing to outside parties will be covered by a Data Sharing/Outsourcing Agreement, when applicable. We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitation or requests. If you no longer wish to receive correspondence, emails, or other communications from third parties, you are responsible for contacting the third party directly. In sharing your personal information with them, we endeavor to ensure that the third parties and our affiliates keep your personal information secure from unauthorized access, collection, use, disclosure, processing, or similar risks and that your personal information be retained only for as long as needed in order to achieve the abovementioned purposes. Your consent to this Privacy Policy followed by your submission of such information represents your consent to such transfer. The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal information will take place to an organization or a country unless there are adequate controls in place including the security of your personal information. We may transfer or permit the transfer of your personal information outside of your country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction or for any of the purposes set out in this Privacy Policy. Moreover, as we take industry accepted best practices and reasonable steps to safeguard your personal information, you acknowledge and agree that the Company has the right to disclose your personal information to any legal, regulatory, governmental, tax, law enforcement or other authorities, or the relevant right owners, if the Company has reasonable grounds to believe that the disclosure is necessary for the purpose of meeting any obligations, requirements, or arrangements, whether voluntary or mandatory, as a result of cooperating with an order, investigation, and/or request of any nature made by such parties. To the extent permissible by applicable law, you agree not to take any action and/or waive your rights to take any action against the Company for the disclosure of your personal information in these circumstances. ***In Short:***  *We keep your information for as long as necessary to fulfill a legitimate business purpose or the purposes outlined in this Policy unless otherwise required by law.* We will only keep your personal information for as long as it is necessary for a legitimate business purpose or for the purposes set out in this Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, anti-money laundering or other legal requirements). We may also retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service. We shall cease to retain your personal information or remove the means by which the data can be associated with you as soon as it is reasonable to assume that such retention no longer serves the purposes for which the personal information was collected and is no longer necessary for any legal or business purpose. When we have no ongoing legitimate business need to process your personal information, we will either irreversibly delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible. You understand that you are, at any time, free to unsubscribe, delete your account, uninstall our Platform, and/or submit an official request for deletion of your data, subject to this Policy. Should you wish to have your personal information deleted and destroyed or you wish to revoke or withdraw your consent in the processing or storing of your personal information, you may do so by contacting us, and we shall comply by doing the necessary deletion or anonymization. The deletion or anonymization of your personal data shall be honored within a reasonable time from request and as long as it will not compromise, damage, injure, or make inefficient the entirety, integrity, confidentiality, and security of the Platform and/or Services, and shall be performed within such reasonable time from the time of your request to do so. ***In Short:***  *We aim to protect your personal information through a system of physical, organizational, and technical security measures.* We have implemented appropriate physical, technical, and organizational security measures designed to protect the security of any personal information we process subject to the requirements of the law and of commercially acceptable standards for data protection. We will develop and implement measures to ensure that all Smile staff who have access to any personal information will strictly process such data in compliance with applicable laws and regulations. These measures may include drafting new or updated relevant policies of Smile and conducting or sponsoring training programs to educate our stockholders, directors, officers, employees, agents and other interested parties on data privacy related concerns. A continuing obligation of confidentiality is also imposed on our stockholders, directors, officers, employees, agents or other interested parties in connection with such personal information that they may encounter during the period of which they are such with Smile. This obligation will still apply after they cease to work with Smile for whatever reason. Furthermore, Smile will, from time to time, conduct a privacy impact assessment relative to all activities, projects and systems involving the processing of personal information. We will review security policies, conduct vulnerability assessments and perform penetration testing, as applicable, within Smile on a regular schedule to be prescribed by our IT Team. Our IT team will continuously evaluate this Privacy Policy, considering the following: a) Safeguards to protect Smile computer network and systems against accidental, unlawful, or unauthorized usage, any interference which will affect data integrity or hinder the functioning or availability of the system, and unauthorized access; b) Our ability to ensure and maintain the confidentiality, integrity, availability, and resilience of Smile data processing systems and services; c) Regular monitoring for security breaches, and a process for identifying and accessing reasonably foreseeable vulnerabilities in Smile computer network and systems, and taking preventive and corrective actions against security incidents; d)   Our ability to restore the availability and access to personal information in a timely manner in the event of a security incident; e)    A process for regularly testing and evaluating effectiveness of security measures; and f)   Encryption of personal information during storage and while in transit, authentication process, and other technical security measures that control and limit access thereto. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information. While security cannot be guaranteed, we strive to protect the security of your information and are constantly reviewing and enhancing our information security measures. Although we will do our best to protect your personal information, transmission of personal information to and from our Platform is at your own risk. You should only access the Platform within a secure environment. ***In Short:***  *We do not knowingly collect data from or market to children under 18 years of age.* We do not knowingly solicit data from or market to minors, being individuals under 18 years of age. By using the Platform, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Platform. You also confirm and warrant that you are above the age of minority, and you are capable of understanding and accepting the terms of this Privacy Policy. If we learn that personal information from users less than 18 years of age has been collected, we will take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us. The Company shall not be responsible for any unauthorized use of the Services on the Platform by yourself, users who act on your behalf, or any unauthorized users. It is your responsibility to make your own informed decisions about the use of the Services on the Platform and take the necessary steps to prevent any misuse of the Services on the Platform. ***In Short:***  *You may review, change, or terminate your account at any time.* Under the law, you are entitled to the following data privacy rights: a.) the right to be informed whether your personal information shall be, are being, or have been processed; b.) the right to object to the processing of your personal information; c.) the right to reasonably access your personal information; d.) the right to dispute the inaccuracy or error in your personal information and have us correct it immediately and accordingly; e.) the right to suspend, withdraw, or order the blocking, removal or destruction of your personal information from our records;  f.) the right to file a complaint with the proper government authorities for any violation of your data privacy rights; g.) the right to be indemnified for any damages sustained due to such inaccurate, incomplete, outdated, false, unlawfully obtained or unauthorized use of your personal information not in accordance with this Statement; h.) the right to data portability of your personal information; and i.) the right to be informed whether personal information is being or has been processed. This includes processing through automated processing, automated decision-making and profiling. In respecting your data privacy rights, you may opt to tell us: a.) not to share your information with our subsidiaries and affiliates or with other companies that we have business with provided that such information is not critical nor required by applicable laws and regulations in maintaining the Services that you availed with us; b.) to provide you with information that we currently have about you subject to restrictions applied to us as a company operating in the relevant jurisdictions where Smile operates by certain laws and regulations; d.) about your other concerns relating to how we collect, use, share, protect or dispose your information. Opting out of email marketing**:** You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us. You will then be removed from the marketing email list – however, we may still communicate with you, for example to send you service-related emails that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes. To otherwise opt-out, you may contact us using the contact information provided in this Policy. We or our authorized service providers use cookies, web beacons, and other similar technologies and similar tracking technologies to track the activity on our Service and store certain information to help provide you with a better, faster, safer, and personalized experience when you use the Services or access the Platform. When you visit the Platform through your computer, mobile device, or any other device with Internet connectivity, our company servers will automatically record data that your browser sends whenever you visit a website. This data may include: c.) webpage you were visiting before you came to the Platform; d.) the pages within the Platform which you visit; and e.) the time spent on those pages, items and data searched for on the Platform, access times and dates, and other statistics. Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Policy. ***In Short:***  *Yes, we will update this notice as necessary to stay compliant with relevant laws.* We may update this Policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible.  **11\. HOW CAN YOU CONTACT US ABOUT THIS NOTICE AND EXERCISE YOUR DATA PRIVACY RIGHTS?** If you have questions or comments about this Policy, you may contact us by email at dpo@getsmileapi.com. If you have any feedback, concerns, complaints or suggestions in relation to personal information, please feel free to contact us by clicking “GET ACCESS”. ***In Short:***  *Yes, you acknowledge and consent to our data processing activities as described in this Policy.* By communicating with us using the Platform or our Services, you acknowledge that you have read and understood this Policy and agree and consent to the use, processing and/or transfer of your personal information by us as described in this Policy. From time to time we may modify, update or amend the terms of this Privacy Policy by placing the updated Policy on our Platform. The effective date of such modifications, updates or amendments will be noted at the start of the Policy. You should therefore review it periodically so that you are up to date on our most current policies and practices. If we make material changes to our practices regarding the processing and/or use of your personal information, your personal information will continue to be governed by the version of the Policy to which such personal information was subject (prior to those changes), unless you have been provided notice of, and have not objected to, the changes. By continuing to communicate with us, by continuing to use our Platform and Services or by your continued engagement with us following the modifications, updates or amendments to this Policy, such actions shall signify your acceptance of such modifications, updates or amendments; provided, we shall secure your express consent when so required by the law. By submitting the required personal information to us, you consent to such collection, disclosure, processing and use thereof. You hereby expressly waive and release us from any and all liability, claims, causes of action or damages arising from our legitimate use of the submitted personal information.  All rights reserved. [Terms and Conditions](/terms-and-conditions). [Privacy Policy](/privacy-policy). [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). 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[Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [1\. WHY DO WE COLLECT YOUR INFORMATION?](#1 "1. WHY DO WE COLLECT YOUR INFORMATION?") - [2\. WHAT INFORMATION DO WE COLLECT?](#2 "2. WHAT INFORMATION DO WE COLLECT?") - [3\. HOW DO WE USE YOUR INFORMATION?](#3 "3. HOW DO WE USE YOUR INFORMATION?") - [4\. WILL YOUR INFORMATION BE SHARED WITH ANYONE?](#4 "4. WILL YOUR INFORMATION BE SHARED WITH ANYONE?") - [5\. HOW LONG DO WE KEEP YOUR INFORMATION?](#5 "5. HOW LONG DO WE KEEP YOUR INFORMATION?") - [6\. HOW DO WE KEEP YOUR INFORMATION SAFE?](#6 "6. HOW DO WE KEEP YOUR INFORMATION SAFE?") - [7\. DO WE COLLECT INFORMATION FROM MINORS?](#7 "7. DO WE COLLECT INFORMATION FROM MINORS?") - [8\. WHAT ARE YOUR PRIVACY RIGHTS?](#8 "8. WHAT ARE YOUR PRIVACY RIGHTS?") - [9\. CONTROLS FOR DO-NOT-TRACK FEATURES](#9 "9. CONTROLS FOR DO-NOT-TRACK FEATURES") - [10\. DO WE MAKE UPDATES TO THIS NOTICE?](#10 "10. DO WE MAKE UPDATES TO THIS NOTICE?") - [11\. HOW CAN YOU CONTACT US ABOUT THIS NOTICE AND EXERCISE YOUR DATA PRIVACY RIGHTS?](#11 "11. HOW CAN YOU CONTACT US ABOUT THIS NOTICE AND EXERCISE YOUR DATA PRIVACY RIGHTS?") - [12\. YOUR ACKNOWLEDGMENT AND CONSENT](#12 "12. YOUR ACKNOWLEDGMENT AND CONSENT") - [1\. WHY DO WE COLLECT YOUR INFORMATION?](#1 "1. WHY DO WE COLLECT YOUR INFORMATION?") - [2\. WHAT INFORMATION DO WE COLLECT?](#2 "2. WHAT INFORMATION DO WE COLLECT?") - [3\. HOW DO WE USE YOUR INFORMATION?](#3 "3. HOW DO WE USE YOUR INFORMATION?") - [4\. WILL YOUR INFORMATION BE SHARED WITH ANYONE?](#4 "4. WILL YOUR INFORMATION BE SHARED WITH ANYONE?") - [5\. HOW LONG DO WE KEEP YOUR INFORMATION?](#5 "5. HOW LONG DO WE KEEP YOUR INFORMATION?") - [6\. HOW DO WE KEEP YOUR INFORMATION SAFE?](#6 "6. HOW DO WE KEEP YOUR INFORMATION SAFE?") - [7\. DO WE COLLECT INFORMATION FROM MINORS?](#7 "7. DO WE COLLECT INFORMATION FROM MINORS?") - [8\. WHAT ARE YOUR PRIVACY RIGHTS?](#8 "8. WHAT ARE YOUR PRIVACY RIGHTS?") - [9\. CONTROLS FOR DO-NOT-TRACK FEATURES](#9 "9. CONTROLS FOR DO-NOT-TRACK FEATURES") - [10\. DO WE MAKE UPDATES TO THIS NOTICE?](#10 "10. DO WE MAKE UPDATES TO THIS NOTICE?") - [11\. HOW CAN YOU CONTACT US ABOUT THIS NOTICE AND EXERCISE YOUR DATA PRIVACY RIGHTS?](#11 "11. HOW CAN YOU CONTACT US ABOUT THIS NOTICE AND EXERCISE YOUR DATA PRIVACY RIGHTS?") - [12\. YOUR ACKNOWLEDGMENT AND CONSENT](#12 "12. 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[Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/client-services-agreement ### Title: Client Services Agreement ### Page ID: 700186 ### Content: ## Get good customers with better data. This Client Services Agreement (this “Agreement”) is entered into by and between Smile Technology Pte Ltd., a Singapore corporation (“Smile API,” “we,” “us,” or “our”) and you (“Client,” “you,” or “your”). You and Smile API may sometimes be referred to in this Agreement as a “Party” or collectively as the “Parties.” If you are entering into this Agreement on behalf of a legal entity, you represent that you have the authority to bind such entity to this Agreement, in which case the terms “you” or “your” refers to such entity. The Agreement consists of the terms and conditions set forth below, any exhibits or addenda identified below and any Order Forms that reference this Agreement. By clicking the “accept” button, executing a service order, using or making payment for the smile API platform or any of the services, or otherwise indicating your acceptance to this agreement, you acknowledge that you have reviewed and accept this agreement. If you do not accept this agreement, or do not have the authority to bind the entity to this agreement, you or your authorized users may not access or use the smile API platform or the services described herein. We may update this agreement at any time and will notify you via email or upon your next login if any material changes have been made; you will have thirty (30) days from such notice to review the updated agreement, after which if you continue to access or use the smile API platform or any services, you will be deemed to have agreed to the updated agreement.  The definitions for some of the defined terms used in this Agreement are set forth below. The definitions for other defined terms are set forth elsewhere in this Agreement. 1.1. “Affiliate” means, with respect to any entity, any other entity that, directly or indirectly, through one or more intermediaries, controls, is controlled by, or is under common control with, such entity. The term “control” means the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of an entity, whether through the ownership of voting securities, by contract, or otherwise. 1.2. “API” means Smile API’s proprietary application programming interface. 1.3. “API Key” means a unique key for the API made available by Smile API to Client. An API Key may be a production API Key or a sandbox API Key. 1.4. “Applicable Law” means all international, federal, state, provincial, and local laws, rules, regulations, binding regulatory guidance, directives, and governmental requirements applicable to the Services, and/or each Party’s performance under this Agreement. 1.5. “Smile API Link” the front-end UI widget that End Users interact with through a Client Application.   1.6 Smile API Platform” means Smile API’s proprietary software-as-a-service platform that enables Client to retrieve, add to, and use End User Data from Data Location s on behalf of and at the express authorization of an End User. 1.7. “Client Application” means a software and/or software-as-a-service application developed by or on behalf of Client to integrate with the Smile API Platform. 1.8. “Client Data” means non-public account administrative data uploaded by Client to the Smile API Platform including, without limitation, billing information, account profile setup information, and similar administrative information, but expressly excluding End User Data and Usage Data. 1.9. “Confidential Information” (i) with respect to Smile API, the Smile API Platform, the API Key, the Documentation, the Usage Data, and any other non-public information or material regarding our legal or business affairs, financing, customers, properties, pricing, or data; (ii) with respect to Client, the Client Data and any other non-public information or material regarding your legal or business affairs, financing, properties, or data; and (iii) with respect to each Party, the End User Data, and the terms and conditions of this Agreement. Notwithstanding any of the foregoing, Confidential Information does not include information which: (a) is or becomes public knowledge without any action by, or involvement of, the Party to which the Confidential Information is disclosed (the “Receiving Party”); (b) is documented as being known to the Receiving Party prior to its disclosure by the other Party (the “Disclosing Party”); (c) is independently developed by the Receiving Party without reference or access to the Confidential Information of the Disclosing Party and is so documented; or (d) is obtained by the Receiving Party without restrictions on use or disclosure from a third party. 1.10 “**Sensitive Personal Information**” means any of the following: (i) credit, debit or other payment card data subject to the Payment Card Industry Data Security Standards (“**PCI DSS**”), or other financial account numbers or credentials; (ii) patient, medical or other protected health information regulated by the Health Insurance Portability and Accountability Act (“**HIPAA**”); (iii) social security numbers, driver’s license numbers or other government ID numbers; or (v) other personal or sensitive information subject to regulation or protection of foreign and domestic laws, (vi) Children’s Online Privacy Protection Act or similar foreign or domestic Laws.  1.11. “Data Location” means a third-party service made available by Smile API to Client through the Smile API Platform, with whom an End User has a contractual relationship, and from whom the End User may retrieve or direct Smile API and Client to retrieve End User Data through the Services. The Parties acknowledge that the End User, not Smile API or the Client, has the applicable contractual relationship with Data Locations. 1.12. “Destructive Elements” means any harmful, malicious, or hidden code, programs, procedures, routines, or mechanisms that would (i) cause the Smile API Platform to cease functioning; (ii) in any way damage or corrupt data, storage media, programs, equipment, or communications; or (iii) otherwise interfere with the operations of the Smile API Platform, including, without limitation, Trojan horses, viruses, worms, time bombs, time locks, devices, traps, access codes, or drop dead or trap door devices). 1.13. “End User” means an end-user of the Client Application with whom the Client has a contractual relationship. 1.14. “End User Data” means any data, information, and materials about an End User provided to Smile API and/or the Client by an End User through the Services and through any Data Location s, including, without limitation, information about the End User’s Data Location account (e.g., login credentials), an individual’s name, address, telephone number, email address, financial information (such as credit card data or credit history), and service ratings. 1.15. “Fees” means the fees for the Services as set forth in the applicable Service Order. 1.16. “Intellectual Property Rights” means all patent rights (including utility models), copyrights, moral rights, trademark and service mark rights, trade secret rights, and any other similar proprietary or intellectual property rights (registered or unregistered) throughout the world, together with all applications for any of the foregoing. 1.17. “Order Term” means the Service Order term length specified in the applicable Service Order. 1.18. “Prohibited Content” means content that: (i) is illegal under applicable law; (ii) violates any third party’s intellectual property rights, including, without limitation, copyrights, trademarks, patents, and trade secrets; (iii) contains indecent or obscene material; (iv) contains libelous, slanderous, or defamatory material, or material constituting an invasion of privacy or misappropriation of publicity rights; (v) promotes unlawful or illegal goods, services, or activities; (vi) contains false, misleading, or deceptive statements, depictions, or sales practices; (vii) contains Destructive Elements; or (viii) is otherwise objectionable to us in our sole, but reasonable, discretion. 1.19. “Service Order” means an ordering document specifying the Services to be provided under this Agreement that is entered into between Client and Smile API, including any addenda and supplements thereto. 1.20. “Services” means the Smile API Platform; the API Key; and any support or other services set forth in the applicable Service Orders. 1.21. "Technical Services" means premium support, implementation or other technical services provided by SMILE API, as set forth in an Order Form. 2.1. Service Orders. All Services Orders shall be executed by an authorized representative of each Party, and shall set forth the Order Term, the Fees, and all other applicable terms. Each Service Order is governed by, and hereby incorporated into, this Agreement. If there is a conflict between this Agreement and a Service Order, this Agreement will control unless the Service Order expressly states that a specific provision of this Agreement will be superseded by a specific provision of the Service Order. 2.2. Smile API Platform. Subject to Client’s payment of all applicable Fees and compliance with this Agreement, Smile API grants to Client a worldwide, non-exclusive, non-transferable (except as set forth in Section 13.4), non-sublicensable right and license during the applicable Order Term to access and use the Smile API Platform, subject to the terms of this Agreement, solely as necessary to provide services to End Users and for no other purpose. 2.3. API; API Key. Subject to Client’s payment of all applicable Fees and compliance with this Agreement, Smile API grants to Client a worldwide, non-exclusive, non-transferable (except as set forth in Section 13.4), non-sublicensable right and license during the Order Term to (i) download one (1) copy of the sandbox API Key and production API Key, (ii) use the production API Key to access the API through the Client Application solely for the purpose of Client’s provision of services to End Users and for no other purpose, and (iii) make a reasonable number of copies of the API Keys solely for testing, backup, or archival purposes. 2.4. Documentation. Subject to Client’s payment of all applicable fees and compliance with this Agreement, Smile API grants to Client a worldwide, non-exclusive, non-transferable (except as set forth in Section 13.4), non-sublicensable right and license during the Order Term to reproduce, without modification, and internally use a reasonable number of copies of the Documentation solely in connection with Client’s authorized use of the Services. 2.5. Subcontractors. Smile API may use subcontractors or other third parties to perform its obligations under this Agreement, but Smile API will remain responsible for all such obligations and actions and inactions by such third parties as if such action or inaction were an action or inaction of Smile API. 2.6. Modifications. We reserve the right to modify the Services from time to time by adding, deleting, or modifying features to improve the user experience; provided, however, that during the Order Term, such additions, deletions, or modifications to features: (i) will not materially decrease the overall functionality of the Services; and (ii) will be described by us through updates to the Documentation. Smile API cannot guarantee the continued availability of Smile API Platform features, and may cease providing them, including, without limitation, if the provider of a Data Location ceases to make the Data Location available for interoperation with the corresponding Smile API Platform features in a manner acceptable to Smile API. 2.7  Service Levels. Subject to the terms of this Agreement, during the applicable Order Term, Smile API will provide the applicable Financial Credit(s) set forth below when the Smile API Platform does not meet the corresponding Service Level Commitment(s) set forth below. Financial Credits are confined to the month that the Service Level Commitment was not met, and calculation of Financial Credits are based on the invoice value for the month that Service Level Commitment was not met. 3\. Client Responsibilities and Restrictions on Use. 3.1. Restrictions on Use of the Services. Client will not (and will not authorize, permit, or encourage any third party to): (i) allow anyone other than Client’s authorized personnel (in accordance with the terms of this Agreement) to access and use the Services; (ii) share its login credentials to the Smile API Platform or API Key with any third party; (iii) reverse engineer, decompile, disassemble, or otherwise attempt to discern the source code or interface protocols of the Services; (iv) modify, adapt, or translate the Services; (v) make any copies of the Services; (vi) resell, distribute, or sublicense the Services, or use the Services for the benefit of anyone other than Client or the End Users as specifically set forth herein, unless consented to in writing by us; (vii) save, store, or archive any portion of the Services (including, without limitation, any data contained therein) outside the Smile API Platform other than those outputs generated through the intended functionality of the Smile API Platform as set forth in the Documentation, without the prior, written permission of Smile API in each instance; (viii) remove or modify any proprietary markings or restrictive legends placed on the Services; (ix) use the Services in violation of any Applicable Law, in order to build a competitive product or service, or for any purpose not specifically permitted in this Agreement; (x) introduce, post, or upload to the Services any Prohibited Content; or (xi) circumvent any processes, procedures, or technologies that we have put in place to safeguard the Services. Upon our request, you will use commercially reasonable efforts to assist us in preventing and enforcing these restrictions. 3.2. Compliance. We have the right to monitor your compliance with this Agreement. If any such monitoring reveals that you are not using the Services in compliance with this Agreement, then you will promptly remedy any such non-compliance, including, if applicable, through the payment of additional Fees.  3.3. Authorized Users; Accounts. Client is responsible and liable for all actions and inactions by its employees or contractors that Client permits to access or use the Services, as if such action or inaction were an action or inaction of Client. Client is responsible for maintaining control over Client’s account on the Smile API Platform, including the confidentiality of any login credentials, and is responsible for all activities that occur on or through Client’s account and its authorized users’ accounts, whether authorized by Client or not. 3.4. End User Consent; Client Application End User Terms. For each and every Data Location from which Client desires to collect and/or post End User Data, Client shall obtain the End User’s express authorization and consent for Client and Smile API, through the Services, to connect to such Data Location on the End User’s behalf to obtain and/or post such End User Data. In connection with the foregoing, Client shall require all End Users to accept and affirmatively agree to terms and conditions of use relating to use of the Client Application (the “Client Application End User Terms”). The Client Application End User Terms shall (i) include End User consent as required by this paragraph and shall incorporate a complete and accurate Client privacy policy, each in accordance with all Application Law, including, without limitation, all U.S. and foreign privacy laws particularly Singapore laws; and (ii) shall require all End Users to agree to and accept Smile API’s End User Terms via Smile API Link prior to access or use of the Client Application. 3.5. End User Account Deletion. Client will make Smile API Link available to End Users at all times through the Client Application, to enable End Users to manage their data connection preferences through Smile API Link. If an End User deletes its account with Client or the Client Application, revokes authorization for Client and/or Smile API to retrieve End User Data from any Data Location (s), or otherwise requests any removal, correction, deletion, or inspection of any End User Data, such updated and changes will be transmitted to Smile API via the API and Smile API will either delete the applicable End User Data from the Smile API Platform or terminate Client’s access to such End User Data, depending upon the End User request.   3.6. Client Application and Equipment. Client is responsible for maintaining the Client Application and obtaining and maintaining any equipment or ancillary services needed to connect to, access, or otherwise use the Services, including modems, hardware, servers, software, operating systems, networking equipment, and web servers. Client is responsible for maintaining the security of such equipment. Smile API is not responsible for any issues or delays in Services caused by the failure of the Client Application or any such equipment. End Users may, through the Client Application as integrated with the Smile API Platform through the API, direct Smile API to connect to certain Data Locations on the End User’s behalf in order to retrieve End User Data and provide it to Client. Only Data Locations approved by an End User shall be permitted to share the applicable End User Data with Client, and then only upon the End User’s express direction and consent. Nothing in this Agreement is intended to create any contractual relationship by and between Client and the Data Locations or Smile API and the Data Locations. End User is the sole contracting party with the Data Locations and Smile API and Client shall be acting as End User’s agent and/or attorney in fact when accessing End User Data on End User’s behalf through such Data Locations. 5.1. License. Subject the terms and conditions of this Agreement including Section 5.2 below, Client hereby grants to Smile API a worldwide, non-exclusive, royalty-free, fully-paid license (with the right to sublicense to Smile API’s third-party hosting provider and other service providers) during the Order Term to host, transfer, display, perform, reproduce, modify, create derivative works of, and distribute Client Data solely for the purpose of providing and supporting the Services to and for Client and End Users. 5.2. Usage Data. Client acknowledges and agrees that Smile API may aggregate Client Data, data relating to Client’s usage of the Services, End User Data and data relating to End Users’ use of Smile API Link, together with data relating to our other clients and users of the Services and Smile API Link, in an anonymous manner that removes all personal information and information about the source of such data (the “Usage Data”) and that Smile API may reproduce, execute, use, store, archive, modify, enhance, perform, display, distribute, sell, rent, vend, license, or otherwise exploit Usage Data for any lawful purpose both during and after the Order Term. For the avoidance of doubt, Usage Data will not identify Client or any End User. 5.3. End User Data. Client’s use of the End User Data shall be limited solely to the purpose for which it was collected in connection with the provision of services by Client to the applicable End User, as agreed in writing by Client and the End User (including in the Client Application End User Terms). Client shall not (i) use End User Data for (a) unlawful purposes, (b) in violation of any Applicable Law, including, without limitation any U.S. or foreign privacy law particularly Singapore laws, or (c) in violation of the Client Application End User Terms or Client’s privacy policy or any other agreement in place between Client and the End User; or (ii) resell any End User Data or disclose it for any purpose other than as set forth in the immediately preceding sentence. Client acknowledges and agrees that End User Data may contain personal and/or sensitive information. Each Party will employ commercially reasonable physical, administrative, and technical safeguards to secure the End User Data from unauthorized use or disclosure. 6.1. Confidentiality. The Receiving Party will protect and preserve the Confidential Information of the Disclosing Party as confidential, using no less care than that with which it protects and preserves its own confidential and proprietary information (but in no event less than a reasonable degree of care), and will not use the Confidential Information for any purpose except to perform its obligations and exercise its rights under this Agreement. The Receiving Party may disclose, distribute, or disseminate the Disclosing Party’s Confidential Information to any of its officers, directors, members, managers, partners, employees, contractors, or agents (its “Representatives”), provided that the Receiving Party reasonably believes that its Representatives have a need to know and such Representatives are bound by confidentiality obligations at least as restrictive as those contained herein. The Receiving Party will not disclose, distribute, or disseminate the Confidential Information to any third party, other than its Representatives, without the prior written consent of the Disclosing Party. The Receiving Party will at all times remain responsible for any violations of this Agreement by any of its Representatives. If the Receiving Party is legally compelled to disclose any of the Disclosing Party’s Confidential Information, the Receiving Party will provide the Disclosing Party prompt prior written notice of such requirement so that the Disclosing Party may seek a protective order or other appropriate remedy and/or waive compliance with the terms of this Section. If such protective order or other remedy is not obtained or the Disclosing Party waives compliance with the provisions of this Section, the Receiving Party may furnish only that portion of the Confidential Information which it is advised by its counsel is legally required to be disclosed, and will use commercially reasonable efforts to insure that confidential treatment will be afforded such disclosed portion of the Confidential Information. 6.2. Specific Performance and Injunctive Relief. The Receiving Party acknowledges that in the event of a breach of Section 6.1 by the Receiving Party or its Representatives, substantial injury could result to the Disclosing Party and money damages will not be a sufficient remedy for such breach. Therefore, in the event that the Receiving Party or its Representatives engage in, or threaten to engage in, any act which violates Section 6.1, the Disclosing Party will be entitled, in addition to all other remedies which may be available to it under law, to seek injunctive relief (including, without limitation, temporary restraining orders or preliminary or permanent injunctions) and specific enforcement of the terms of Section 6.1. The Disclosing Party will not be required to post a bond or other security in connection with the granting of any such relief. 6.3. Feedback. During the Term, you may elect to provide us with feedback, comments, and suggestions with respect to the Services (“Feedback”). You agree that Smile API will be free to use, reproduce, disclose, and otherwise exploit any and all such Feedback for any and all purposes, and you hereby grant us a perpetual, irrevocable, royalty-free license to do so, without any form of compensation or attribution to you or any third party.  7.1. Smile API IP. Smile API and its licensors own and shall retain all right, title, and interest in and to the Smile API Platform, API, API Keys, Documentation, and Usage Data, including all modifications, improvements, adaptations, enhancements, or translations made thereto, and all Intellectual Property Rights therein or associated therewith (collectively, the “Smile API IP”). The Smile API IP is protected by copyright law and other Applicable Law. No ownership rights in or to the Smile API IP are transferred to Client by this Agreement or otherwise. Client does not have any rights in or to the Smile API IP except for the limited express rights granted in this Agreement. 7.2. Client IP. Subject to Section 5.2, Client owns and shall retain all right, title, and interest in and to the Client Data and all Intellectual Property Rights therein or associated therewith (collectively, the “Client IP”). No ownership rights in or to the Client IP are transferred to Smile API by this Agreement or otherwise. Smile API does not have any rights to the Client IP except for the limited express rights granted in this Agreement. 7.3. End User Data. The Parties acknowledge that each End User owns all right, title, and interest in and to its End User Data. 8.1. Mutual Representations and Warranties. Each Party represents and warrants to the other that (i) this Agreement has been duly executed and delivered and constitutes a binding agreement enforceable against the executing Party in accordance with its terms; (ii) no authorization or approval from any third party is required in connection with the execution, delivery, or performance of this Agreement by the executing Party; and (iii) the execution, delivery, and performance of this Agreement by the executing Party do not violate the laws of any jurisdiction or the terms or conditions of any other agreement to which it is a party or by which it is otherwise bound. 8.2. Compliance with Applicable Law. Each Party represents and warrants to the other Party that it will comply with all Applicable Law in connection with exercising its rights or performing its obligations under this Agreement. Each Party acknowledges and agrees that, in connection with Client’s use of the Smile API Platform, End User Data will be transmitted or made available in a mechanical manner, and that neither Smile API nor Client will alter the substance of the End User Data. Each Party will be acting only as a service provider and/or a conduit, and not as a consumer-reporting agency, in connection with the End User Data processed and transmitted under this Agreement. Smile API is providing the Services only as requested by the End Users and as requested and authorized by the owner of such information. Each Party acknowledges that neither Party is a reseller of data but simply provides the service of transferring data as requested and authorized by the owner thereof from one party to the party directed and authorized to receive the data by the owner thereof. During the Term, if Client is or becomes either a “consumer reporting agency” or a “furnisher” of information to consumer reporting agencies under the Fair Credit Reporting Act (“FCRA”), or if Client has reason to believe Smile API’s provision of the Services would constitute a “consumer report” under the FCRA, (i) Client will immediately notify Smile API in writing; (ii) the Parties will discuss in good faith any additional requirements imposed by Applicable Law; and (iii) if the Parties are unable to agree on whether or how to comply with Applicable Law, either Party may immediately terminate this Agreement upon notice to the other Party.   8.3. Smile API Additional Representations and Warranties. Smile API further represents and warrants to Client that the Smile API Services will operate in all material respects in accordance with the applicable Documentation. 8.4. Disclaimers. **EXCEPT FOR THE LIMITED WARRANTIES DESCRIBED IN THIS SECTION 8, SMILE API MAKES NO OTHER REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE DOCUMENTATION, SERVICES OR OTHERWISE RELATING TO THIS AGREEMENT, AND SPECIFICALLY DISCLAIMS ALL IMPLIED AND STATUTORY WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, MERCHANTABILITY, ACCURACY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. THE SERVICES AND DOCUMENTATION ARE PROVIDED “AS IS” AND “AS AVAILABLE.” SMILE API DOES NOT WARRANT THAT THE DOCUMENTATION OR SERVICES WILL SATISFY CLIENT’S REQUIREMENTS, ARE WITHOUT DEFECT OR ERROR, OR THAT THE OPERATION OF THE SERVICES WILL BE UNINTERRUPTED.**  **FURTHER, SMILE API MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING ANY DATA LOCATION OR THE END USER DATA, ITS ACCURACY, COMPLETENESS, OR CURRENTNESS. SMILE API DOES NOT CONTROL OR HAVE ANY CONTRACTUAL RELATIONSHIP WITH ANY DATA LOCATION, AND HAS NO OBLIGATION TO, VERIFY OR REVIEW THE END USER DATA. CLIENT’S RELIANCE ON ANY END USER DATA IS AT ITS OWN RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF WARRANTIES, SO THAT LIMITATION OR EXCLUSION MAY NOT APPLY TO CLIENT.** 8.5. Client Additional Representations and Warranties. Client further represents and warrants to Smile API that (i) Client owns the Client Data, or has the necessary licenses, rights, consents, and permissions to authorize Smile API to use the Client Data in accordance with this Agreement; and (ii) Client will obtain and maintain all necessary licenses, rights, consents, and permissions from End Users as set forth in Section 3.4 on behalf of itself and Smile API for the Parties to perform their obligations and exercise their rights under this Agreement without liability, and all such licenses, rights, consents and permissions shall be obtained in accordance with all applicable Laws, including all U.S. and foreign privacy laws particularly Singapore laws. 9.1. Indemnification by Smile API. Subject to Section 9.2, we will defend, indemnify, and hold you harmless from and against any and all damages, losses, liabilities, fines, penalties, judgments, costs, and expenses, including reasonable attorneys’ fees (“Losses”) incurred by you in connection with any third-party action, claim, or proceeding (each, a “Claim”) arising in connection with (i) an allegation that your access and use of the Services in accordance with this Agreement infringes or misappropriates any United States patents, copyrights, or trade secrets (an “Infringement Claim”); or (ii) Smile API’s gross negligence or willful misconduct. 9.2. Infringement Claims. We are not obligated to indemnify, defend, or hold you harmless with respect to any Infringement Claim to the extent: (i) the Infringement Claim arises from or is based upon your or any personnel’s use of: (a) the Services not in accordance with the Documentation, this Agreement, or Applicable Law; or (b) any unauthorized modifications, alterations, or implementations of the Services made by you or at your request (other than by us); (ii) the Infringement Claim arises from use of the Services in combination with unauthorized modules, apparatus, hardware, software, or services not supplied or specified in writing by us; or (iii) the Infringement Claim arises from any use of the Services for which they were not designed. In the event that we reasonably determine that the Services or any portion hereof are likely to be the subject of an Infringement Claim, we shall: (x) procure for you the right to continue to use the Services as provided in this Agreement; (y) replace the infringing components of the Services with other components with equivalent functionality; or (z) suitably modify the Services so that they are non-infringing and functionally equivalent. If none of the foregoing options is available to us on commercially reasonable terms, we may terminate this Agreement without further liability to you and refund you a pro-rated portion of any pre-paid Fees. This Section 9.2, together with the indemnity provided under Section 9.1, states your sole and exclusive remedy, and our sole and exclusive liability, regarding any Infringement Claim. 9.3. Indemnification by Client. Client will defend, indemnify, and hold Smile API, our Affiliates, our licensors, our hosting providers, and our and their respective officers, directors, managers, employees, contractors, and agents harmless from and against any and all Losses incurred by such parties in connection with any Claim arising in connection with (i) the operation of Client’s business; (ii) Client’s breach or violation of this Agreement or violation of Applicable Law, including without limitation, any applicable U.S. or foreign privacy law particularly Singapore laws; (iii) Client’s use of or reliance on the End User Data; (v) any Client Application End User Terms; or (vi) Client’s gross negligence or willful misconduct. 9.4. Procedure. The indemnification obligations set forth in Section 9.1 and Section 9.3 are subject to the indemnified Party: (i) promptly notifying the indemnifying Party of the Claim (provided that failure to provide prompt written notice of such Claim will not alleviate the indemnifying Party of its obligations under this Section 9 to the extent any associated delay does not materially prejudice or impair the defense of the related Claim); (ii) providing the indemnifying Party, at its sole cost and expense, with reasonable cooperation in the defense of the Claim; and (iii) providing the indemnifying Party with sole control over the defense and negotiations for a settlement or compromise of the Claim, provided that the indemnifying Party may not make any admission of liability on behalf of the indemnified Party without the indemnified Party’s prior written consent. **EXCEPT IN CONNECTION WITH A PARTY’S GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, BREACH OF CONFIDENTIALITY OBLIGATIONS, OR INDEMNIFICATION OBLIGATIONS, OR IN CONNECTION WITH CLIENT’S FAILURE TO PAY ANY AMOUNTS DUE AND OWING: (I) IN NO EVENT WILL EITHER PARTY BE LIABLE TO THE OTHER PARTY OR ANY OTHER PARTY FOR ANY INCIDENTAL, INDIRECT, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOST REVENUES OR PROFITS) ARISING FROM OR RELATING TO THIS AGREEMENT REGARDLESS OF WHETHER SUCH PARTY WAS ADVISED, HAD OTHER REASON TO KNOW, OR IN FACT KNEW OF THE POSSIBILITY THEREOF; AND (II) EACH PARTY’S AGGREGATE LIABILITY FOR DIRECT DAMAGES UNDER THIS AGREEMENT WILL NOT EXCEED THE FEES PAID BY CLIENT HEREUNDER DURING THE PERIOD TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM. THE PARTIES ACKNOWLEDGE AND AGREE THAT: (A) THE ESSENTIAL PURPOSE OF THIS SECTION 10 IS TO ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN THE PARTIES AND LIMIT POTENTIAL LIABILITY; (B) THE FEES WOULD HAVE BEEN SUBSTANTIALLY HIGHER IF WE WERE TO ASSUME ANY FURTHER LIABILITY OTHER THAN AS SET FORTH HEREIN; AND (C) WE HAVE RELIED ON THESE LIMITATIONS IN DETERMINING WHETHER TO PROVIDE CLIENT THE RIGHTS TO ACCESS AND USE THE SERVICES.** 11.1. Fees and Payment. Client will pay Smile API all Fees described in all Service Orders (Addendum A) in accordance with the terms therein. Smile API may change the Fees or applicable charges or institute new charges and Fees at the end of the initial Order Term or then-current renewal Order Term, upon thirty (30) days’ prior written notice to Client (which may be sent by email). If Client believes that Smile API has billed Client incorrectly, Client must contact Smile API as soon as possible or within ten (10) days after the closing date on the first billing statement in which the error or problem appeared, in order to receive an adjustment or credit. Inquiries should be directed to Smile API’s customer support department. Unless otherwise specified in a Service Order, full payment of undisputed amounts is due ten (10) days after the date of the applicable invoice. Unpaid and undisputed amounts are subject to a finance charge of 1.5% per month on any outstanding balance, or the maximum amount permitted by Applicable Law, whichever is lower, plus all expenses of collection, and may result in immediate termination of access to the Services. All amounts paid under this Agreement will be paid in U.S. Dollars or any currency accepted by both parties. Client is required to maintain a valid payment method on file with Smile API, which Smile API will automatically charge for Fees due under this Agreement as Fees become due; if Client fails to maintain a valid payment method on file with Smile API, Smile API shall have the right to suspend Client’s access to and use of the Services until a valid payment method is provided and all Fees due have been paid. 11.2. Taxes. Fees are in addition to and do not include any federal, provincial, or local sales, PST, GST, HST, VAT, foreign withholding, use, property, excise, service, or similar transaction taxes (“Taxes”) now or hereafter levied, all of which will be for Client’s account. Any applicable direct pay permits or valid tax-exempt certificates must be provided to us prior to the execution of this Agreement. If we are required to collect and remit Taxes on your behalf, we will invoice you for such Taxes, and you will pay us for such Taxes in accordance with Section 11.1. Client hereby agrees to defend and indemnify us, our Affiliates, and our and their respective Representatives from any and all liabilities, costs, and expenses (including reasonable attorneys’ fees) in connection with any Taxes and related costs, interest, and penalties paid or payable by us on your behalf. For the avoidance of doubt, we will only be responsible for any taxes related to our income, property, franchise, or employees. 12.1. Term. The term of this Agreement will commence on the effective date of the first Service Order between the Parties and will continue until terminated in accordance with this Agreement (the “Term”). Each Order Term will be set forth in the applicable Service Order and will automatically renew for consecutive renewal terms of the same duration as the initial Order Term, unless either Party notifies the other Party in writing of its intention to not renew within sixty (60) days of expiration of the initial Order Term or renewal, as applicable. 12.2. Termination. Either Party may terminate this Agreement for any reason upon prior written notice to the other if no Service Orders are then in effect. In addition, either Party may terminate this Agreement or a Service Order, effective upon written notice to the other Party, if the other party materially breaches this Agreement or a Service Order and such breach is incapable of cure, or (if such breach capable of cure) the breaching Party does not cure such breach within thirty (30) days of receiving notice thereof. Notwithstanding the foregoing, Smile API may terminate or suspend this Agreement or any part of it immediately upon written notice to Client without a cure period if Client breaches any of the terms of this Agreement relating to End User Data, Smile API’s Intellectual Property Rights, or Confidential Information. Either Party may terminate this Agreement, effective immediately upon written notice, if the other Party files, or has filed against it, a petition for voluntary or involuntary bankruptcy or pursuant to any other insolvency law, makes or seeks to make a general assignment for the benefit of its creditors, or applies for, or consents to, the appointment of a trustee, receiver, or custodian for a substantial part of its property. In addition, this Agreement may be terminated under the limited circumstances set forth in Section 8.2 or Section 9.2. 12.3. Effect of Termination. Expiration or termination of this Agreement will automatically terminate all active Service Orders, but termination of a single Service Order will not result in termination of this Agreement or any other Service Orders. Upon the expiration or termination of this Agreement or a Service Order all rights and licenses granted under this Agreement or the applicable Service Order will terminate except as otherwise expressly described, and Client shall promptly pay all outstanding payments accrued up to and including the effective date of termination or expiration. Either Party’s termination of this Agreement is without prejudice to any other remedies it may have at law or in equity and does not relieve either Party of breaches occurring prior to the effective date of termination. Neither Party will be liable to the other for damages arising solely as a result of terminating this Agreement in accordance with its terms. Upon any expiration or termination of this Agreement, Smile API will make all Client Data then held by Smile API available to Client for electronic retrieval for a period of thirty (30) days. After such period, Smile API will delete or cause to be marked for deletion any Client Data in its systems or otherwise in its possession or under its control. 12.4. Survival. Section 1 (Definitions), Section 5 (Data), Section 6 (Confidentiality; Feedback), Section 7 (Intellectual Property), Section 8 (Representations and Warranties; Disclaimer), Section 9 (Indemnification), Section 10 (Limitation of Liability), Section 12.3 (Effect of Termination), this Section 12.4 (Survival), and Section 13 (Miscellaneous Provisions) shall survive the expiration or termination of this Agreement. 13.1. Non-Solicitation. During the Term and for a period of one (1) years thereafter, neither Party will directly or indirectly solicit for employment or otherwise induce, influence, or encourage any employee or contractor of the other Party to terminate their engagement the other Party. This Section will not apply to current or former employees or contractors who respond to general advertisements or job postings. 13.2. Publicity. Smile API may publicly list Client as a customer of Smile API and use Client’s name, trademarks, service marks, trade names, and logos for marketing or promotional purposes and in other communications with existing or potential Smile API customers, resellers, or investors. 13.3. Governing Law. This Agreement is governed by the laws of Singapore, without reference to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods will not apply to this Agreement. All claims arising under this Agreement will be litigated exclusively in Singapore. The Parties submit to the jurisdiction in those courts. 13.4. Assignment. Neither Party may assign this Agreement or delegate its performance without the other Party’s prior written consent, and any attempt to do so is void; except that either Party may assign this Agreement without the other Party’s consent to an Affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets to which this Agreement relates. This Agreement is binding upon and inures to the benefit of the Parties’ permitted successors and assigns. 13.5. Severability. If any provision of this Agreement is found invalid or unenforceable by a court of competent jurisdiction, that provision will be amended to achieve as nearly as possible the same economic effect as the original provision, and the remainder of this Agreement will remain in full force and effect. Any provision of this Agreement which is unenforceable in any jurisdiction, will be ineffective only as to that jurisdiction, and only to the extent of such unenforceability, without invalidating the remaining provisions hereof. 13.6. No Waiver. No waiver will be implied from conduct or failure to enforce or exercise rights under this Agreement, nor will any waiver be effective unless in a writing signed by a duly authorized representative on behalf of the party claimed to have waived. No provision of any Service Order or other business form employed by Client will supersede the terms and conditions of this Agreement, and any such document relating to this Agreement shall be for administrative purposes only and shall have no legal effect. 13.7. Entire Agreement. This Agreement (including any Service Orders) constitutes the entire, complete and exclusive agreement and supersedes and cancels any other agreement of the Parties relating to its subject matter. No usage of trade or other regular practice or method of dealing between the Parties will be used to modify, interpret, supplement, or alter the terms of the Agreement. 13.8. Amendments. Unless otherwise agreed by the Parties in writing, this Agreement may be updated from time to time by Smile API, by posting the amended Agreement to Smile API’s website. It is the Client’s responsibility to check the website for updates to this Agreement. Any use of the Services after an update has been made and posted to the website shall be deemed Client’s acceptance of the amended terms. 13.9. Relationship. The parties to this Agreement are independent contractors. There is no relationship of partnership, joint venture, employment, franchise, or agency created hereby between the parties. Neither party will have the power to bind the other or incur obligations on the other party’s behalf without the other party’s prior written consent. 13.10. Notices. All notices under this Agreement must be in writing and will be considered given (i) upon delivery, if delivered personally, by email, or by internationally-recognized courier service; or (ii) three (3) business days after being sent, if delivered by registered or certified mail (return receipt requested). Either party may update its notice address by notice to the other party in accordance with this Section. Copies of all notices to Smile API will be sent to Smile API Legal Department to: legal@getsmileapi.com. 13.11. Force Majeure. Neither Party will be liable for any delay or failure to perform any obligation as required by this Agreement (except for payment obligations) as a result of any cause or condition beyond its reasonable control, so long as it uses reasonable efforts to avoid or remove those causes of delay or non-performance. 13.12. Headings. Headings are for convenience only and shall not be used to limit or interpret the meaning of any of the provisions of this Agreement. We provide instant access to the most recent, comprehensive, verified data about your users' identity, employment and income in the industry. Use it to make better decisions, increase adoption and conversion, lower cost and reduce risk. All rights reserved. [Terms and Conditions](/terms-and-conditions). 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[Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Use Cases](/ "Use Cases") - [Platform](/#platform "Platform") - [Benefits](/#benefits "Benefits") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Blog](https://blog.getsmileapi.com "Blog") - [Contact](https://www.getsmileapi.com/contact-us "Contact") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Home](/ "Home") - [Use Cases](/ "Use Cases") - [Platform](/#platform "Platform") - [Benefits](/#benefits "Benefits") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Blog](https://blog.getsmileapi.com "Blog") - [Contact](https://www.getsmileapi.com/contact-us "Contact") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") --- ## URL: https://www.getsmileapi.com/book-a-call-with-smile-api ### Title: Book a call with Smile API ### Page ID: 1390402 ### Content: # Book a Call with us Today! ## Subscribe to our Newsletter #### Government Databases #### HR Platforms #### Gig Economy Platforms ## CreditEase, Plug and Play invest in Smile API, an employment data startup targeting gig workers ## Southeast Asia Deals Monitor: Smile API gets investment from CreditEase and Plug and Play ## Smile API’s secure employee-owned data fast-tracks applications for financial services # Smile API formally debuts in PH, pitches privacy-centric digital platform ## Company launches employee info system to make data accessible to financial institutions in the Philippines # Smile API announced the launch of a new digital platform designed to facilitate loan application approval within just a few seconds # The Bangko Sentral ng Pilipinas (BSP) said its regulated institutions should assess borrowers in “a holistic and prudent manner” **Transform your application, workflow, or process with seamless verification.** We invite **lenders, banks, and companies** interested in enhancing their operational efficiency and effectiveness to book a call. Let's explore how the **Smile API** (Application Programming Interface) can be easily integrated to modernize your customer onboarding and verification experience. *Ready to integrate? Choose a time below.* Smile API covers 40+ platforms enabling you to access employment and income-related data directly from pre-verified, authoritative sources Utilizing fintech to streamline employment and income data from different platfrms [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - 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[Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/subscribe-to-newsletter ### Title: Subscribe to Newsletter ### Page ID: 2359319 ### Content: ### **Stay ahead of the curve and never miss an update from Smile API!** ##### **Sign up now to get:** Get exclusive insights, industry news and special offers delivered straight to your inbox. Don't miss out, subscribe today! --- ## URL: https://www.getsmileapi.com/contact-us ### Title: Contact Us ### Page ID: 2613586 ### Content: Smile Technology Pte Ltd. 68 Circular Road, #02-01, 049422, Singapore [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/platform ### Title: Products ### Page ID: 2965485 ### Content: # Real-Time API for # **Identity, Employment & Income Verification** ### USE CASES ## **Multiple use cases and business models can be enabled via Smile** ### **OUR PLATFORM** ## **Verify your borrower's identity, income, and employment history through a single API.** ### Smile offers a centralized source of employment data across multiple platforms and employers with a single API. ## **Get Data Access You Need,** **On Demand** ## **Are you looking to reduce nonperforming loans?** ### Get the validated identity and better assess the capacity of your borrowers through Smile. With Smile, you can assess credit worthiness in 10 seconds and reduce NPL by 10%. ## **Looking for a faster way to do background checks?** ### Our automated background check solution can help you simplify the pre-employment screening and onboarding process: reducing it from a 10-day ordeal to just 10 minutes! ### AWARDED AND RECOGNIZED BY ### CreditEase, Plug and Play invest in Smile API, an employment data startup targeting gig workers ### Southeast Asia Deals Monitor: Smile API gets investment from Credit Ease and Plug and Play ### BSP said its regulated institutions should assess borrowers in "a holistic and prudent manner" ### Utilizing fintech to streamline employment and income data from different platforms ### Smile API formally debuts in the Philippines, pitches privacy-centric digital platform ### Company launches employee info system to make data accessible to financial institutions in the Philippines ### Smile API to launch of a new digital platform designed to facilitate loan application approval within a few seconds ### Smile API's secure employee-owned data fast tracks application for financial services ### **AFFILIATED WITH** ## **Frequently Asked Questions** #### What is Smile API? ### Smile API ioffers real-time, user-authorized access to a wide range of verified and comprehensive employment data. It streamlines the process of employment verification by consolidating information from government , HR and payroll systems, and gig economy platforms into one\\easy-to-use API. This helps organizations make informed decisions for credit scoring, risk assessment, and background checks, enhancing the accuracy and efficiency of their operations. #### How does Smile API aid in credit decisioning, credit scoring and credit approvals? #### How does Smile API help with fraud prevention? ### Smile API aids in fraud prevention by delivering real-time, verified employment and income data that can be used to cross-verify the information provided by applicants. By having access to such accurate data, lenders and financial institutions can detect discrepancies and red flags in applications, reducing the likelihood of fraudulent activities. This real-time validation ensures that the credentials of potential borrowers are authenticated, thereby safeguarding against identity theft and false claims of income or employment. #### How does Smile API help with pre-employment screening? ### Smile helps with pre-employment screening by offering employers a seamless way to verify prospective employees' work history and income data, ensuring a trustworthy and comprehensive background check. With real-time access to a wide range of employment documents and data sources, Smile API helps companies mitigate hiring risks, confirm candidate qualifications, and make informed decisions quickly and efficiently, securing the integrity of the workforce and maintaining a high standard of recruitment practices. #### How does Smile API integrate with existing systems for loan underwriting and decisioning? ### Smile API is designed for seamless integration with existing loan underwriting and decisioning systems. It simplifies the data collection process by providing a unified API that connects directly with a variety of data sources. This integration enables lenders to access up-to-date employment information, facilitating a more streamlined, accurate, and efficient loan approval process. #### What makes Smile API different from traditional credit bureau data? ### Smile API stands out by offering alternative credit data alongside traditional credit bureau information, encompassing real-time employment and income data directly from various authoritative sources. This enriched data set supports a more holistic view of an individual's financial situation, enabling better credit risk assessment and decision-making. #### How is this in compliance with the Data Privacy Act? ### Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under [**Section 18 of the Philippine Data Privacy Act.**](https://www.privacy.gov.ph/data-privacy-act/#18) #### How does it work? ### Smile offers two use cases: one for lenders and one for HR professionals. For lenders, our API integrates into their company's system to reduce nonperforming loans and increase adoption and conversion. For HR professionals, our automated background check solution helps them hire faster and more efficiently by reducing time spent and preventing falsified information. ## **Ready to get started? Contact us today!** ### Contact us so we can assist you with understanding the API, how to implement it in your organization, and how to go live with Smile in your product or service. You can also subscribe to our Newsletter to get the latest updates on Smile. **Build trust from day one.** Empower your users to securely **share their verified identity, employment, and financial data** for **faster, more accurate** onboarding, background checks, and application processing. Get access to alternative data for credit scoring and credit decisions verification and minimize risk of credit defaults and non-performing loans Easy access to third-party employment and income data and apply consistent standards for assessing credit worthiness Optimize loan origination process and reduce cost of compliance Reduce friction in the signup, verification and approval process Automatically verify applicants' employment history and streamline employment document submissions Get proof of income and indications of renter's character and capacity Expand offerings to customers to include employment and income data Top Southeast Asia Developer APIs Companies and Startups Smile API significantly bolsters credit decisioning, and credit approvals by providing real-time, verified employment and income data. For credit scoring, Smile API offers alternative data points that enrich traditional credit models, particularly benefiting individuals with limited credit history. During credit decisioning, the reliable data streamlines processes, enabling quicker, more informed lending decisions and minimizing default risks. Consequently, Smile API facilitates swifter credit approvals, improving the overall efficiency and security of financial transactions. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/home ### Title: Home ### Page ID: 2972932 ### Content: # Real-Time API for # **Identity, Employment & Income Verification** ### USE CASES ## **Multiple use cases and business models can be enabled via Smile** ### **OUR PLATFORM** ## **Verify your borrower's identity, income, and employment history through a single API.** ### Smile offers a centralized source of employment data across multiple platforms and employers with a single API. ## **Get Data Access You Need,** **On Demand** ## **Are you looking to reduce nonperforming loans?** ### Get the validated identity and better assess the capacity of your borrowers through Smile. With Smile, you can assess credit worthiness in 10 seconds and reduce NPL by 10%. ## **Looking for a faster way to do background checks?** ### Our automated background check solution can help you simplify the pre-employment screening and onboarding process: reducing it from a 10-day ordeal to just 10 minutes! ### AWARDED AND RECOGNIZED BY ### CreditEase, Plug and Play invest in Smile API, an employment data startup targeting gig workers ### Southeast Asia Deals Monitor: Smile API gets investment from Credit Ease and Plug and Play ### BSP said its regulated institutions should assess borrowers in "a holistic and prudent manner" ### Utilizing fintech to streamline employment and income data from different platforms ### Smile API formally debuts in the Philippines, pitches privacy-centric digital platform ### Company launches employee info system to make data accessible to financial institutions in the Philippines ### Smile API to launch of a new digital platform designed to facilitate loan application approval within a few seconds ### Smile API's secure employee-owned data fast tracks application for financial services ### **AFFILIATED WITH** ## **Frequently Asked Questions** #### What is Smile API? ### Smile API ioffers real-time, user-authorized access to a wide range of verified and comprehensive employment data. It streamlines the process of employment verification by consolidating information from government , HR and payroll systems, and gig economy platforms into one\\easy-to-use API. This helps organizations make informed decisions for credit scoring, risk assessment, and background checks, enhancing the accuracy and efficiency of their operations. #### How does Smile API aid in credit decisioning, credit scoring and credit approvals? #### How does Smile API help with fraud prevention? ### Smile API aids in fraud prevention by delivering real-time, verified employment and income data that can be used to cross-verify the information provided by applicants. By having access to such accurate data, lenders and financial institutions can detect discrepancies and red flags in applications, reducing the likelihood of fraudulent activities. This real-time validation ensures that the credentials of potential borrowers are authenticated, thereby safeguarding against identity theft and false claims of income or employment. #### How does Smile API help with pre-employment screening? ### Smile helps with pre-employment screening by offering employers a seamless way to verify prospective employees' work history and income data, ensuring a trustworthy and comprehensive background check. With real-time access to a wide range of employment documents and data sources, Smile API helps companies mitigate hiring risks, confirm candidate qualifications, and make informed decisions quickly and efficiently, securing the integrity of the workforce and maintaining a high standard of recruitment practices. #### How does Smile API integrate with existing systems for loan underwriting and decisioning? ### Smile API is designed for seamless integration with existing loan underwriting and decisioning systems. It simplifies the data collection process by providing a unified API that connects directly with a variety of data sources. This integration enables lenders to access up-to-date employment information, facilitating a more streamlined, accurate, and efficient loan approval process. #### What makes Smile API different from traditional credit bureau data? ### Smile API stands out by offering alternative credit data alongside traditional credit bureau information, encompassing real-time employment and income data directly from various authoritative sources. This enriched data set supports a more holistic view of an individual's financial situation, enabling better credit risk assessment and decision-making. #### How is this in compliance with the Data Privacy Act? ### Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under [**Section 18 of the Philippine Data Privacy Act.**](https://www.privacy.gov.ph/data-privacy-act/#18) #### How does it work? ### Smile offers two use cases: one for lenders and one for HR professionals. For lenders, our API integrates into their company's system to reduce nonperforming loans and increase adoption and conversion. For HR professionals, our automated background check solution helps them hire faster and more efficiently by reducing time spent and preventing falsified information. ## **Ready to get started? Contact us today!** ### Contact us so we can assist you with understanding the API, how to implement it in your organization, and how to go live with Smile in your product or service. You can also subscribe to our Newsletter to get the latest updates on Smile. **Build trust from day one.** Empower your users to securely **share their verified identity, employment, and financial data** for **faster, more accurate** onboarding, background checks, and application processing. Get access to alternative data for credit scoring and credit decisions verification and minimize risk of credit defaults and non-performing loans Easy access to third-party employment and income data and apply consistent standards for assessing credit worthiness Optimize loan origination process and reduce cost of compliance Reduce friction in the signup, verification and approval process Automatically verify applicants' employment history and streamline employment document submissions Get proof of income and indications of renter's character and capacity Expand offerings to customers to include employment and income data Top Southeast Asia Developer APIs Companies and Startups Smile API significantly bolsters credit decisioning, and credit approvals by providing real-time, verified employment and income data. For credit scoring, Smile API offers alternative data points that enrich traditional credit models, particularly benefiting individuals with limited credit history. During credit decisioning, the reliable data streamlines processes, enabling quicker, more informed lending decisions and minimizing default risks. Consequently, Smile API facilitates swifter credit approvals, improving the overall efficiency and security of financial transactions. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - 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[API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/about-us ### Title: About Us ### Page ID: 3042062 ### Content: ### about us # Smile API is the one trusted source for employment data in Asia. ### We are on a mission to provide workers in Asia greater access to opportunities by simply using their own data. ## **We believe in using technology to make financial services accessible and affordable for everyone.** ## **Our Vision** ### Be the one trusted source for employment and income data in Asia ## **Give Secure and Easy Access** ### We want to create a future where every individual has the power to unlock their full potential through secure and easy access to their personal data, especially their employment and income information. ## **Create New Opportunities** ### We serve as a bridge connecting the custodians of people's personal data with those who need it to provide better services; and in the process create new and meaningful opportunities for all. ## **Enable Financial Inclusion** ### By revolutionizing the way employment and income data is collected, processed, shared and utilized, we strive to create greater inclusion, transparency, equity and opportunity for everyone. ## **Our Mission** ### We believe that ownership over one's own data is a basic right, that is why we are committed to empowering individuals by giving them access and control over their own data. By doing this, we are helping individuals turn their data into a valuable asset that they can use to get access to better opportunities and a brighter future. By doing this, we are also creating a society that is more inclusive and equitable for everyone. ## **Our Team** ### Our team includes experienced professionals with decades of experience in Financial Services, Technology, Consulting, and Services. Together we are revolutionizing the way employment and income data is collected, processed, shared, and utilized to enable positive change in Asia. ## **Jerome Eger** ### Chief Executive Officer ### Jerome is an experienced entrepreneur and founder. He co-founded Ginmon, a digital wealth management platform. Prior to that he worked at BCF in Frankfurt, Germany on projects related ti retail and corporate banking. He holds a Masters Degree in Economics and Finance from Frankfurt University, and studied Chinese at Peking University in Shanghai Jiaotong University. Jerome is fluent in several languages and has over 10 years experience working and living in Asia. ## **Bond Chen** ### Chief Technology Officer ### Bond has 15 years of experience in software development. As a senior architect and R&D lead at Huazhu he led 50+ developers and pushed architecture evolution for dozens of systems. Gang also headed the architecture and devop teams at Vermeg, counting over 100 developers. Bond is a certified AWS solutions architect, he holds a Bachelor's degree in Statistics and received his MBA from Tongji University in Shanghai. ## **Jan Pabellon** ### Chief Product Officer ### Jan has more than 10 years experience in Product Management. He was a Chief Technologist at DXC, a global Systems Integrator, and was Director for Product Management at Oracle NetSuite, a global pioneer in SaaS. Jan holds a degree in Business Administration and Accounting from the University of the Philippines, and a Master’s Degree from the Asian Institute of Management. He is also a Certified Public Accountant. ## **Join us in our mission to empower individuals with access to their data. Contact us to learn more about how we can help you turn data into a valuable asset!** [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/client-terms-and-conditions ### Title: Client Terms and Conditions ### Page ID: 3339742 ### Content: ### CLIENT TERMS & CONDITIONS ### TABLE OF CONTENTS #### **Section 1. ACCEPTANCE OF TERMS AND CONDITIONS** #### **Section 2. RESPONSIBILITIES OF SMILE FOR ERRORS, OMSSIONS, FRAUDS, AND SECURITY BREACHES** #### **Section 3. DATA SEGREGATION, ACCESS RIGHTS AND RESTRICTIONS** #### **Section 4. DEVELOPMENT ACCOUNTS** #### **Section 5. COMPLIANCE REVIEWS** #### **Section 6. PERSONAL INFORMATION AND PRIVACY POLICY** #### **Section 7. INTELLECTUAL PROPERTY RIGHTS** #### **Section 8. TERM AND TERMINATION** #### **Section 9. MODIFICATIONS AND INTERRUPTIONS** #### **Section 10. GOVERNING LAW** #### **Section 11. DISPUTE RESOLUTION** #### **Section 12. DISCLAIMER** #### **Section 13. LIMITATIONS OF LIABILITY** #### **Section 14. INDEMNIFICATION** #### **Section 15. CONFIDENTIALITY** #### **Section 16. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES** #### **Section 17. MISCELLANEOUS** #### **Section 18. CONTACT US** Welcome to Smile API. Please read and accept these TERMS & CONDITIONS (T&Cs) before accessing or using the services of Smile. **PLEASE READ THE T&Cs CAREFULLY AS THEY CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND SMILE.** These T&Cs are an agreement between you (“**Client**”, “**you**” or “**your**”) and Smile Technology Pte. Ltd. and its subsidiaries and affiliates, all of which are doing business under the name of “Smile” (collectively “**Smile**”, “**Company**”, “**we**”, “**our**” or “**us**”). These T&Cs constitute a legally binding agreement made between you, whether personally or on behalf of an entity, and Smile, concerning your access or use of the Services or the Platform, as defined below herein. We are registered in Singapore. You agree that by accessing or using the Platform, you have read, understood, and agreed to be bound by all of these T&Cs. The Platform is offered to you conditioned on your agreement to these T&Cs. Your use of the Platform constitutes your agreement to all such terms, conditions, and any rules of conduct as Smile may implement. If you do not agree with all these T&Cs, please refrain from accessing or using the Platform and you must discontinue access or use immediately. Smile reserves the right to amend, change, and/or modify these T&Cs from time to time without any specific advance notice to you. You are strongly recommended to regularly review and read the T&Cs. Any changes to these T&Cs will be effective immediately upon posting in the Platform, with an updated effective date. By accessing or using the Platform after any changes have been made, you agree to the modified T&Cs and all the changes made therein. If you do not agree with the modified T&Cs, please refrain from accessing or using the Platform and from availing of the Services, as applicable. The information provided on the Platform is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Platform from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. Smile shall notify you after it becomes aware of any errors, omissions, and frauds committed by its agents, representatives, officers, or employees. Such notice will include details about the occurrence of the errors, omissions, and frauds, the effect on your data, and the corrective action necessary to rectify the effect of errors, omissions, and frauds in relation to the Services to you. Smile ensures on-line communication, availability, transmission line security, and transaction authentication through providing reasonable and appropriate security measures in compliance with applicable law. Smile shall immediately, from discovery, inform your designated point of contact of any incident involving information security and service disruptions affecting confidentiality, integrity, and availability of your information, or access to information and Services. Subject to your compliance with these T&Cs, you have the non-exclusive right to: a. internally use the package of application programming interface materials provided by Smile (the “**API** **Package**”) solely as necessary to make an application owned and operated by the Client (the “**Client Application**”) interoperate with the Smile services described on https://www.getsmileapi.com and on any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto, including Smile’s software-as-a-service platform that allows our clients to access and collect employment data, plus all related software applications (collectively with the API Package, the “**Services**” or the “**Platform**”). b. use the Services in such Client Application provided to end users (consumers or businesses) (the “**End Users**”) solely for internal evaluation of the Services, and c. use the End User information and data provided via the Services (the “**Output**”) solely in such Client Application for such internal evaluation use case. Unless Smile specifically agrees in writing, Client will not, and will not enable or assist any third-party to: a. attempt to reverse engineer (except as permitted by law), decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, or algorithms of the Services; b. modify, translate, or create derivative works based on the Services; c. make the Services or Output available to, or use the Services or Output for the benefit of anyone other than Client or End Users who avail of the Services; d. sell, resell, license, sublicense, distribute, rent or lease any Services or Output to any third-party, or include any Services or Output in a service bureau, time-sharing, or equivalent offering; e. publicly disseminate information from any source regarding the performance of the Services or Output; or f. attempt to create a substitute or similar service through use of, or access to, the Services or Output. Client will use the Services and Output only in compliance with: c. any agreements between Client and End Users (for clarity, including any privacy policy or statement). Smile shall abide by the following stipulations to ensure data protection: a. Where Smile received any data, it shall ensure that it fully complies with your lawful instructions, terms of the Agreement, and the provisions of any applicable law. c. Smile shall not retain data (in any form copy, electronic, or otherwise) for any period of time longer than is necessary to serve the purpose of the Agreement or any legitimate business purpose. Notwithstanding anything to the contrary, the Client accepts and assumes all responsibility for complying with all applicable laws and regulations in connection with all of Client’s activities involving any Services, Output, or End User data. In addition, Client acknowledges and agrees that Smile does not act as a consumer data reporting agency or furnishes information to any such consumer data reporting agency. Client represents and warrants that it will not, and will not permit or enable any third-party to, use the Services (including Output) as a or as part of a report deemed to function as information to be submitted to any such consumer data reporting agency. Client will comply with the provisions set forth in any product or territory specific exhibit, addendum, or other document attached to these T&Cs, but such provisions will only apply if Client uses the Service set forth in such document. Your data shall be stored separately from Smile’s data and that of Smile’s other clients. Smile shall not move your data without your written consent except in case it is necessary to comply with applicable law or order from any governmental body or authority. Nevertheless, if you opt to avail certain features of our Services that will include access to the data of other clients, including but not limited to Multiple Application Warning (“MAW”) data, your use of such features and access to such data shall constitute your consent to share similar data to our other clients who availed similar features. Opting in for such features through our Services means that your data can be shared with our other clients for purposes of risk assessment, among others. In connection with these features, you may opt out anytime by informing us, but you will also lose access to such data of our other clients. Furthermore, we will not be liable to you or any third party for any loss, damage, delay, or failure to act caused by such decision made by you or any act done by you in connection with the data you obtained prior to opting out from said features. Smile shall not access or use the data, except as may be necessary to maintain or provide the Service, or as necessary to comply with applicable laws or order from any governmental body or authority. In such case, Smile shall provide you with a written notice of any legal requirement or order for such purpose. Smile shall provide access to relevant regulators, as dictated by applicable law, and your internal and external auditors to enable them to review Smile’s operations and controls in providing the Services, including determination of compliance with applicable law. In the event that results of alternative audit mechanism and third-party validation do not satisfy IT requirements and examination objectives of the regulator(s), Smile shall give access of its operations related to the Services to the proper governmental authorities, in order to review the same in relation to these T&Cs. Smile shall use reasonable efforts to immediately take the necessary corrective measures to satisfy the findings and recommendations of such governmental authority. Client may permit its employees, agents, contractors and service providers to access the Services and Output on Client’s behalf (“Permitted Users”), provided that Client remains responsible for their compliance with these T&Cs, and that any such use of the Output and Services is for the sole benefit of Client. If Client enables any third parties as Permitted Users, Client remains solely responsible for its relationships with such third parties and for any related billing matters, technical support, or disputes. We may offer free sandbox or development accounts for access or use of the Services ("**Development Accounts**"). Client may use Development Accounts solely for internal evaluation of the Services to determine whether to enter into a paid commercial relationship with Smile, and not for production access or any other purpose. In using Development Accounts, Client must comply with Smile's relevant documentation, policies, and instructions, including as these relate to the data types and use cases eligible for Development Accounts. We may make available different types of Development Accounts, and each Development Account may have limited functionality and other usage limits. We may modify or disable Development Accounts (and delete related data submitted by Client or provided by Smile) without notice or liability to Client. We have no support obligations for Development Accounts. Subject to this paragraph, Development Accounts remain subject to these T&Cs. To access or use the Services, Client must successfully pass Smile's compliance reviews, which may include automated verifications, online questionnaires, and requests for information ("**Compliance Reviews**"). As part of the Compliance Reviews, Client must provide prompt responses to Smile's requests for information about Client, the Client Application, Client's business and associated entities, and Client's intended use of the Services. Client represents and warrants that all information it provides to Smile as part of Compliance Reviews will be accurate and complete, and Client will immediately notify Smile if any previously provided information is out-of-date or becomes inaccurate. Client may be required to complete more than one Compliance Review, for instance, to enable Development Accounts or upgrade to production access, or as requested by Smile based on changes in Client's use of the Services or increased risk factors. Client's passage or failure of any Compliance Review is determined by our sole discretion. If Client fails any Compliance Review or fails to provide prompt and complete responses within three business days after Smile's requests for information (even if Client has passed a previous Compliance Review or received provisional access to the Services), we may suspend, revoke, or terminate Client's access to the Services, without notice or liability to Client. We care about data privacy and security. Please review our Privacy Policy found [here](https://www.getsmileapi.com/privacy-policy), which discusses how we collect, use and share End User information. Before any End User engages with the Client Application in a manner that uses the Services, the Client warrants and will ensure that it provides all notices and obtains all consents required under applicable law to enable Smile to process End User data in accordance with Smile’s Privacy Policy. Client will not make representations or other statements with respect to End User data that are contrary to or otherwise inconsistent with Smile’s Privacy Policy, or interfere with any independent efforts by Smile to provide End User notice or obtain End User consent. Unless otherwise indicated, the Platform is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Platform (collectively, the “**Content**”) and the trademarks, service marks, and logos contained therein (the “**Marks**”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws, international copyright laws, and international conventions. Except as expressly provided in these T&Cs, no part of the Platform and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. We reserve all rights not expressly granted to you in and to the Platform, the Content and the Marks. The Marks are registered and unregistered trademarks of us or third parties. Nothing on the Platform and in these T&Cs shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use (including as a meta tag or as a hyperlink to any other website) any Marks displayed on the Platform, without our written permission or any other applicable trademark owner. All third-party trademarks including logos, icons and other related features referenced by our clients or users shall remain their sole and exclusive ownership and property. Unless specifically identified as such, our use of third-party trademarks does not indicate any relationship, sponsorship, or endorsement between us and the owners of these trademarks. Any reference by Smile to third party trademarks is to identify the corresponding third-party services and shall be considered nominative fair use under applicable trademark law. We respect the intellectual property rights of others. If you believe that any material available on or through the Platform infringes upon any copyright you own or control, please immediately notify us. Please be advised that pursuant to applicable law, you may be held liable for damages if you make material misrepresentations in a notification. Thus, if you are not sure that material located on or linked to by the Platform infringes your copyright, you should consider first contacting an attorney. Except for the rights expressly granted under these T&Cs, Smile reserves and retains all right, title, and interest in and to the Services which includes but is not limited to the API Package and any related Output (except for raw End User data, which belongs to the End User), software, products, works, and other intellectual property created, used, or provided by Smile for the purposes of these T&Cs. To the extent the Client provides Smile with any feedback relating to the Services (including, feedback related to usability, performance, interactivity, bug reports and test results) (“**Feedback**”), we will own all right, title and interest in and to such Feedback and the Client hereby makes all assignments necessary to achieve such ownership. These T&Cs shall remain in full force and effect as you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE T&Cs, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, RESTRICT, DENY, SUSPEND OR TERMINATE ACCESS TO AND USE OF THE PLATFORM TO ANY PERSON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE T&Cs OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE PLATFORM WITHOUT WARNING IN OUR SOLE DISCRETION. If we terminate or suspend your access to the Platform, you are prohibited from using the Services or the Platform. In addition to that, we reserve the right to take appropriate legal action, including without limitation, pursuing civil, criminal, and/or injunctive redress. Termination shall, however, not affect any accrued rights and liabilities. We reserve the right to change, modify, or remove the contents of the Platform at any time or for any reason at our sole discretion without notice. There may be information on the Platform that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Platform at any time, without prior notice. However, we have no obligation to update any information on our Platform. We also reserve the right to modify or discontinue all or part of the Platform without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Platform. We ensure that we have plans and procedures in place that are necessary and adequate for disaster recovery and business continuity contingency for the protection of your data and your customers’ data, and the continuity of the provision of the Services, subject to our service level agreements (SLAs). We cannot guarantee the Platform will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Platform, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Platform at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Platform during any downtime or discontinuance of the Platform. Nothing in these T&Cs will be construed to obligate us to maintain and support the Platform or to supply any corrections, updates, or releases in connection therewith. These T&Cs and your use of the Platform are governed by and construed in accordance with the laws of Singapore, except if any specific regulation in a particular jurisdiction is directly applicable to the Services in relation to the Client being a regulated entity in that jurisdiction, without giving effect to any conflict of laws provisions thereof. The parties shall use their good faith efforts to resolve any dispute, controversy or claim of any nature whatsoever arising out of or in relation to or in connection with these T&Cs. To this end, the parties in dispute shall each promptly appoint representatives of appropriate standing who shall meet and attempt to resolve any dispute between them. However, if negotiation as described above fails, any dispute arising out of or in connection with this contract, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved in accordance with the Arbitration Rules of Singapore, which rules are deemed to be incorporated by reference in this clause. The language of the arbitration shall be English. In no event shall any dispute brought by you or us related in any way to the Platform be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither you nor us will elect to arbitrate any dispute falling within that portion of this provision found to be illegal or unenforceable and such dispute shall be decided by a court of competent jurisdiction, and you agree to submit to the personal jurisdiction of that court. You agree that any arbitration shall be limited to the dispute between us and you. You agree that you may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. To the full extent permitted by law, no arbitration shall be joined with any other proceeding. There is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures, and there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. Nonetheless, the following disputes are not subject to the above provisions concerning binding arbitration: a. any dispute seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a party; b. any dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and THE PLATFORM AND ANY CONTENT CONTAINED THEREIN IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE PLATFORM AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE PLATFORM AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE OUTPUT THAT MAY BE OBTAINED FROM USE OF THE SERVICES. WE ALSO MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE PLATFORM’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE PLATFORM AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY: a. ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS; b. PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE PLATFORM c. UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN; d. INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE PLATFORM; e. BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE PLATFORM BY ANY THIRD PARTY; AND/OR f. ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE PLATFORM. Accordingly, all data and/or information contained in the Platform are provided for informational purposes only. No representations or warranties of any kind, implied, express, or statutory, including the warranties of non-infringement of third-party rights, title, merchantability, satisfactory quality, or fitness for a particular purpose, are given in conjunction with the Platform. Without prejudice to the generality of the foregoing, we do not warrant: a. the accuracy, timeliness, adequacy, commercial value, or completeness of all data and/or information contained in the Platform; b. that employment data is accurate, complete, up to date, or otherwise reliable, and we have no responsibility or obligation to verify, investigate or review employment data; c. that the Platform or the Services will be provided uninterrupted, secure, or free from errors or omissions, or that any identified defect will be corrected; d. that the Platform or the Services are free from any computer virus or other malicious, destructive, or corrupting code, agent, program, or macros; e. the security of any information transmitted by you or to you through the Platform or the Services, and you accept the risk that any information transmitted or received through the Platform may be accessed by unauthorized third parties and/or disclosed by us or our officers, employees, or agents to third parties purporting to be you or purporting to act under your authority; and f. that data transmissions over the Internet and electronic mail will be free from interruption, transmission blackout, delayed transmission due to Internet traffic, or incorrect data transmission due to the public nature of the Internet. IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE PLATFORM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US OR USD $1,000.00. You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, due to or arising out of your or your Permitted Users’: c. breach of any of your representations and warranties set forth in these T&Cs; d. failure to obtain any requisite or necessary consent from your customers or End Users; e. violation of the rights of a third party, including intellectual property rights; f. violation of agreements you have with any End User; g. violation of any laws or regulations (including with respect to privacy); h. your gross negligence, willful misconduct, or fraud; or i. any overt harmful act toward any other user of the Platform. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it. Each party (a “Disclosing Party”) may disclose, under these T&Cs, the other party (a “Receiving Party”) with confidential and/or proprietary materials and information of the Disclosing Party (“Confidential Information”). All materials and information disclosed by Disclosing Party to Receiving Party under these T&Cs and identified at the time of disclosure as “Confidential” or bearing a similar legend, and all such other information that the Receiving Party reasonably should have known was the Confidential Information of the Disclosing Party, will be considered Confidential Information. For the avoidance of doubt, the Service, all pricing information and terms of these T&Cs, are Confidential Information of Smile. All Feedback and the API Package will also be solely Smile’s Confidential Information. Receiving Party will maintain the confidentiality of the Confidential Information and will not disclose such information to any third party without the prior written consent of Disclosing Party. Receiving Party will only use the Confidential Information internally for purposes contemplated under these T&Cs. The confidentiality obligations herein will not apply to any information that: a. is made generally available to the public without breach of these T&Cs; b. is developed by Receiving Party independently from the Disclosing Party’s Confidential Information; c. is disclosed to Receiving Party by a third party without restriction; or d. was in the Receiving Party’s lawful possession prior to the disclosure to the Receiving Party and was not obtained by the Receiving Party either directly or indirectly from the Disclosing Party. Receiving Party may disclose Confidential Information as required by law or court order as long as Receiving Party provides Disclosing Party with prompt written notice thereof and uses its best efforts to limit disclosure. At any time, upon Disclosing Party’s request, Receiving Party will return to Disclosing Party all Disclosing Party’s Confidential Information in its possession, including, without limitation, all copies and extracts thereof. Notwithstanding the foregoing, Receiving Party may disclose Confidential Information to any third party to the limited extent necessary to exercise its rights, or perform its obligations, under these T&Cs; provided that, all such third parties are bound in writing by obligations of confidentiality and non-use at least as protective of the Disclosing Party’s Confidential Information as these T&Cs. Visiting the Platform, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Platform, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE PLATFORM. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means. These T&Cs and any policies or operating rules posted by us on the Platform or in respect to the Platform constitute the entire agreement and understanding between you and us. These T&Cs operate to the fullest extent permissible by law. No waiver of any provision of these T&Cs shall be effective. No failure or delay by the Company in exercising any right, power or remedy under these T&Cs shall operate as a waiver thereof, nor shall any single or partial exercise of the same preclude any further exercise thereof or the exercise of any other right, power, or remedy. Without limiting the foregoing, no waiver by the Company of any breach by you or any third party of any provision hereof shall be deemed to be a waiver of any subsequent breach of that or any other provision hereof. The rights and remedies in these T&Cs are cumulative and not exclusive of any rights and remedies provided by the applicable laws, rules, and regulations. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these T&Cs is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these T&Cs or use of the Platform. You agree that these T&Cs will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these T&Cs and the lack of signing hereto to execute these T&Cs. In order to resolve a complaint regarding the Platform or these T&Cs, or to receive further information regarding use of the Platform, please contact us at legal@getsmileapi.com. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). 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[Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") 1. [ACCEPTANCE OF TERMS AND CONDITIONS](#ACCEPTANCE-OF-TERMS-AND-CONDITIONS) 2. [RESPONSIBILITIES](#ACCEPTANCE-OF-TERMS-AND-CONDITIONS) OF SMILE FOR ERRORS, OMSSIONS, FRAUDS, AND SECURITY BREACHES 3. DATA SEGREGATION, ACCESS RIGHTS AND RESTRICTIONS 4. [DEVELOPMENT ACCOUNTS](#DEVELOPMENT-ACCOUNTS) 5. [COMPLIANCE REVIEWS](#COMPLIANCE-REVIEW) 6. [PERSONAL INFORMATION AND PRIVACY POLICY](#PERSONAL-INFORMATION-AND-PRIVACY-POLICY) 7. [INTELLECTUAL PROPERTY RIGHTS](#INTELLECTUAL-PROPERTY-RIGHTS-2) 8. [TERM AND TERMINATION](#TERM-AND-TERMINATION-2) 9. [MODIFICATIONS AND INTERRUPTIONS](#MODIFICATIONS-AND-INTERRUPTIONS-2) 10. [GOVERNING LAW](#GOVERNING-LAW-2) 11. [DISPUTE RESOLUTION](#DISPUTE-RESOLUTION-2) 12. [DISCLAIMER](#DISCLAIMER-2) 13. [LIMITATIONS OF LIABILITY](#LIMITATIONS-OF-LIABILITY) 14. [INDEMNIFICATION](#INDEMNIFICATION-2) 15. [CONFIDENTIALITY](#CONFIDENTIALITY) 16. [ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES](#ELECTRONIC-COMMUNICATIONS-TRANSACTIONS-AND-SIGNATURES-2) 17. [MISCELLANEOUS](#MISCELLANEOUS-2) 18. [CONTACT US](#CONTACT-US-2) 1. strictly for the purposes of fulfilling its obligations under the Agreement; 2. with your prior written consent; or 3. when required by law or an order of court, in which case Smile shall notify you as soon as practicable before complying with such law or court order at its own cost. 1. return to you all data; or 2. delete all data in its possession, and after returning or deleting all data, provide you with written confirmation that Smile no longer possesses any of your data. --- ## URL: https://www.getsmileapi.com/smile-checks-3 ### Title: Get Smile Checks ### Page ID: 3341314 ### Content: # Recruit faster with Smile Checks ### **As a recruiter with Smile Checks, you can:** ### **Get employment history data straight from the source** ## **Frequently Asked Questions** Smile provides the first automated employment history verification, streamlining your recruitment timeline from **10 days to 1 day.** Speed up your HR process by reducing time spent on reference calls. Reduce the risk of hiring candidates with false credentials by accessing the latest data directly from government systems. Submit a list of candidates’ names, email addresses, and phone numbers, and hit send. Each applicant will receive an email verification from Smile to self-verify their employment history through government platforms. View a comprehensive report that includes the applicant's identity, past employer/s, criminal background, and estimated income in one PDF file! Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their SSS account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! Top Southeast Asia Developer APIs Companies and Startups [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-industry ### Title: Get Smile Checks ### Page ID: 3378437 ### Content: # Attracting skilled talent in a competitive healthcare market can be a challenge. Here's how we can help. ## **Faster** **and** **Easier** **Pre-Employment Screening with** **Smile Checks** ### **Verify candidate employment data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ## **Frequently Asked Questions** Dramatically transform your hiring process today with Smile Checks – where pre-employment screening becomes a breeze, reducing wait times from 10 days to just 10 minutes! Try it and see for yourself! ? We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! Top Southeast Asia Developer APIs Companies and Startups [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-healthcare-1 ### Title: Get Smile Checks ### Page ID: 3387575 ### Content: ### **About 70% of healthcare** ### **firms prioritize education and** ### **job history in screenings.** ## We're all about giving you the clarity you need when you need it. # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your healthcare applicant’s basic information, employment history, and licenses. ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as the PRC, to confirm if your applicants are licensed healthcare providers.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-retail ### Title: Get Smile Checks ### Page ID: 3444351 ### Content: ### **95% of retail employers conduct employment background screenings to lower their turnover rate** ## Spend less time on paperwork and more time on what truly matters # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your applicant’s basic information, employment history, and licenses. ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as SSS, to confirm your applicant’s past employment history, contributions, and liabilities.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-healthcare-book-a-call ### Title: Get Smile Checks ### Page ID: 3444441 ### Content: ### **About 70% of healthcare** ### **firms prioritize education and** ### **job history in screenings** ## We're all about giving you the clarity you need when you need it # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your healthcare applicant’s basic information, employment history, and licenses. ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as the PRC, to confirm if your applicants are licensed healthcare providers.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-education ### Title: Get Smile Checks ### Page ID: 3449167 ### Content: ### **More than 50% of educational institutions require professional licenses from their applicants.** ## Create a secure environment for your institution by strengthening your hiring process # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your applicant’s basic information, employment history, and licenses. ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as the PRC, to confirm if your applicants are licensed professional teachers.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-recruitment ### Title: Get Smile Checks ### Page ID: 3466042 ### Content: ### **About 85% of BPO companies perform background screenings during their recruitment process** ## Trust is paramount when it comes to employment data, and we take it seriously # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your healthcare applicant’s basic information, employment history, and licenses. ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as SSS, to confirm your applicant’s past employment history, contributions, and liabilities.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-tech ### Title: Get Smile Checks ### Page ID: 3518464 ### Content: ### **8 out of 10 tech employers seek applicants with extensive background** ## Embrace data-driven decisions with automated employment data solutions # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your applicant’s basic information, employment history, and licenses. ### **Verify candidate employment data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources,  This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-hospitality ### Title: Get Smile Checks ### Page ID: 3518466 ### Content: ### **Are you among the 83% of hospitality firms seeking relevant employment history in candidates?** ## Build a reliable crew with verified employment data # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your applicant’s basic information, employment history, and licenses. ### **Verify candidate employment data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources,  This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-transportation ### Title: Get Smile Checks ### Page ID: 3518474 ### Content: ### **3 out of 4 of transportation companies do not hire employees with a bad criminal record** ## Take your operations to new heights with automated employment verification # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your applicant’s basic information, employment history, and licenses. ### **Verify candidate employment data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources,  This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - 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[Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check --- ## URL: https://www.getsmileapi.com/backtesting ### Title: Get Smile API ### Page ID: 3525239 ### Content: ## **Could** **Smile API** **be the game-changer for your risk management?** ## **In the world of credit decision-making,** **uncertainty is the enemy** ## Smile API’s **Backtesting** works in three seamless steps. ##### **Data Match.** We run your borrower's list through our comprehensive, real-time verified employment database. ##### **Correlation Analysis.** Our system identifies patterns and correlations, turning data points into meaningful insights. ##### **Result Interpretation.** You witness firsthand how Smile API can predict 'bad borrowers', validate the potential value of our solution, and make your credit decisions smarter and more efficient. ### **Trusted by some of our clients** ## **Frequently Asked Questions** See how Smile API can boost your detection of bad borrowers by cross-matching your data, all at no extra charge. For the first time, you can cross-match your data against ours, offering you an empirical method to evaluate the quality of our data. All data from Smile API is encrypted at RSA 4096 with SHA-256 signing for maximum security. Additionally, Smile does not store end-user credentials at any point: we pass these directly to the data source's servers via TLS to initiate the process of information sharing. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under [**Section 18 of the Philippine Data Privacy Act**](https://www.privacy.gov.ph/data-privacy-act/#18)[.](https://www.privacy.gov.ph/data-privacy-act/#18) Sharing users' data with our clients is done provided on a revocation-based model: only via explicit consent of the user via our SDK. Users can, at any point, revoke access to their data through this same means, making sure they are in full control when and to whom they share their own data. All information is deleted and irretrievable once users have revoked access. Any other data is retained for 60 days, after which all personal data is anonymized. We also maintain a Privacy Policy so you can be sure how your data is being used. We have a wide range of data sources available for users to connect to, from social security institutions as well as various salary and gig platforms. To see our full list of data sources, you can get free access to our [**developer porta**](https://portal.getsmileapi.com/register)[**l**](https://www.getsmileapi.com/platform) and test our platform out for yourself. You may also [**book a call**](https://www.getsmileapi.com/book-a-call-with-smile-api) with us to find out more. Smile limits the amount of API calls that can be made to each endpoint to ensure the stability and availability of the platform for all users. At the moment we only allow clients a maximum of up to 20 requests per second per IP address across all API endpoints. Automatic expansion mechanisms and load balancing assure that service uptime is maintained. [**Book a call**](https://www.getsmileapi.com/book-a-call-with-smile-api) with us to find out how to gain free credits for production mode on your account. Our Wink Widget sits on a webview window above your native app and may be closed by you or the user at any time to go back to your app. Top Southeast Asia Developer APIs Companies and Startups CreditEase, Plug and Play invest in Smile API, an employment data startup targeting gig workers Southeast Asia Deals Monitor: Smile API gets investment from Credit Ease and Plug and Play BSP said its regulated institutions should assess borrowers in "a holistic and prudent manner" Utilizing fintech to streamline employment and income data from different platforms Smile API formally debuts in the Philippines, pitches privacy-centric digital platform Company launches employee info system to make data accessible to financial institutions in the Philippines Smile API to launch of a new digital platform designed to facilitate loan application approval within a few seconds Smile API's secure employee-owned data fast tracks application for financial services [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/smile-checks-healthcare-book-a-call ### Title: Get Smile Checks ### Page ID: 3530000 ### Content: ### **About 70% of healthcare** ### **firms prioritize education and** ### **job history in screenings.** ## We're all about giving you the clarity you need when you need it. # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your healthcare applicant’s basic information, employment history, and licenses. ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as the PRC, to confirm if your applicants are licensed healthcare providers.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/book-a-call-with-smile ### Title: Book a call ### Page ID: 3534494 ### Content: ### Book a Call with us Today! #### Government Databases #### HR Platforms #### Gig Economy Platforms ## CreditEase, Plug and Play invest in Smile API, an employment data startup targeting gig workers ## Southeast Asia Deals Monitor: Smile API gets investment from CreditEase and Plug and Play ## Smile API’s secure employee-owned data fast-tracks applications for financial services # Smile API formally debuts in PH, pitches privacy-centric digital platform ## Company launches employee info system to make data accessible to financial institutions in the Philippines # Smile API announced the launch of a new digital platform designed to facilitate loan application approval within just a few seconds # The Bangko Sentral ng Pilipinas (BSP) said its regulated institutions should assess borrowers in “a holistic and prudent manner” Smile API covers 40+ platforms enabling you to access employment and income-related data directly from pre-verified, authoritative sources Utilizing fintech to streamline employment and income data from different platfrms [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/smile-checks ### Title: Get Smile Checks ### Page ID: 3553770 ### Content: ## **Faster** **and** **Easier** **Pre-Employment Screening with** **Smile Checks** ### **Verify candidate employment data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ## **Frequently Asked Questions** Dramatically transform your hiring process today with Smile Checks – where pre-employment screening becomes a breeze, reducing wait times from 10 days to just 10 minutes! Try it and see for yourself! ? We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! Top Southeast Asia Developer APIs Companies and Startups [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-checks-healthcare ### Title: Get Smile Checks ### Page ID: 3562049 ### Content: ### **About 70% of healthcare** ### **firms prioritize education and** ### **job history in screenings.** ## We're all about giving you the clarity you need when you need it. # What you will get inside the report ##### We cover a variety of background checks– enough to reduce your time spent on verifying each of your healthcare applicant’s basic information, employment history, and licenses. ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as the PRC, to confirm if your applicants are licensed healthcare providers.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. You can [**book a quick 30-minute call**](https://tidycal.com/biancaulan/smile-checks-demo) with us so we can set it up for you immediately during the call! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Personal Identity - Employment History with Estimated Income - NBI Clearance Validity Check - Reference Check - Education Check - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/lending-marketplace ### Title: Lending Marketplace ### Page ID: 4071128 ### Content: # Need money fast? # Find your ideal loan provider in 60 seconds ### See What Our Clients Say ##### Matilda E. ##### John D. ## Subscribe to our newsletter We believe that every Filipinos are unique, with specific financial needs and preferences. Smile’s marketplace lets you choose which loan provider suits you best for your credit needs! Tired of rejected loan applications? Link your government account with Smile and we'll give you the best financial app. Provides quick, seamless, affordable financial access to the credit-worthy yet underserved. Focuses on expanding access for mass and emerging middle-income consumers. The go-to "Buy Now, Pay Later" brand in Asia, partnering with thousands of  online and offline stores. Aims to enable Filipino users to experience the convenience of credit payment anytime. Ang hirap pumili kapag maraming online lending apps, buti nalang may Smile Marketplace. Madaling gamitin, correct din mga report na binibigay sa akin. Highly recommended! In less than a day, nahanap ko na agad yung best lending app thanks to this marketplace. Napaka-user friendly at maraming options na available kaya hindi ka mahihirapan mag-decide. Would highly recommend this to anyone na kailangan mag loan application. We assure you that we will not send unsolicited or spammy content. . We promise! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/login-sample ### Title: Login Sample ### Page ID: 4109531 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/test-page ### Title: Test Page ### Page ID: 4109607 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/insoft-smile-checks ### Title: Insoft Smile Checks ### Page ID: 4110606 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/smile-checks-log-in-insoft ### Title: Smile Checks Log In - Insoft ### Page ID: 4110746 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/protected-collection-item ### Title: Protected Page ### Page ID: 4431134 ### Content: In order to view the page, please enter the password below: --- ## URL: https://www.getsmileapi.com/smile-checks-portal-sign-up ### Title: Smile Checks Portal ### Page ID: 4737858 ### Content: ### **Conduct a Background Check** ### **on your Applicant** **for Free** ### **Speed, Quality, Cost-effective.** ## How it Works ### **Verify your applicant's data straight from the source\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** Gain access to real-time, comprehensive employment data. Fill up the necessary details of your candidate on our portal. The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Our reports are directly obtained from reliable government sources, **such as SSS, to confirm your applicant’s past employment history, contributions, and liabilities.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. Sign up to our portal to get one complimentary check! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/ads-smile-checks ### Title: Pioneer Automated Background Check Solution - Smile Checks ### Page ID: 4791863 ### Content: # See Beyond the Resume ## **Speed.** **Quality.** **Cost-Effective.** ## **Quick** **and** **Easy.** # **Why Choose** **Smile Checks?** ### **Verify your applicant's data straight from our data sources\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** [Get employment and income data in](https://smilechecks.getsmileapi.com/signup) [**less than 2 days**.](https://smilechecks.getsmileapi.com/signup) We ensure recruiters get the best out of a background check report. *\*Disclaimer: This is applicable solely if the candidate explicitly grants consent without delay.* Request a background check for your applicant in our portal, then sit back, and relax. Spend less time on paperwork and more time on what truly matters Fill up the necessary details of your candidate on our portal The applicant will receive a verification email invite to connect their data under authoritative systems such as government platforms. Get a report in minutes that includes your applicant’s identity, contact information, government IDs, past employers, and income information in one PDF report. Top Southeast Asia Developer APIs Companies and Startups Our reports are directly obtained from reliable government sources, **such as SSS, to confirm your applicant’s past employment history, contributions, and liabilities.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. Sign up to our Smile Checks portal to get a complimentary background check request. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Gain access to real-time, comprehensive employment data - Get the background check report within 10 minutes TAT\* - Reduce time spent on hiring by 50% - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-for-philippine-national-bank ### Title: Get Smile Checks ### Page ID: 5051437 ### Content: # **Reduce your NPL** #### **Trusted by Leading Lenders in the Philippines** ## **Reliable** **and** **Comprehensive Data** **on Borrowers** ### **Smile** **Solves This by Using Employment Data** ### **Get the Data Access You Need,** **When You Need It** ## **Frequently Asked Questions** Existing solutions are not able to provide a complete picture of the character, capacity and capital of your borrowers. See how Smile can provide the instant access to the most recent, verified data about your borrowers' employment and income. There is a lack of reliable and comprehensive data on borrowers because this data is fragmented, not centralized, and does not cover the majority of the population, especially the unbanked or the marginalized. Get instant access to the most recent, comprehensive, verified data about your users' Say goodbye to the hassle of gathering and verifying data for your lending process. Get access to over 100 employment data points for a wide and growing coverage in Asia Test your application with real and dummy data in our sandbox All data from Smile API is encrypted at RSA 4096 with SHA-256 signing for maximum security. Additionally, Smile does not store end-user credentials at any point: we pass these directly to the data source's servers via TLS to initiate the process of information sharing. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under [**Section 18 of the Philippine Data Privacy Act**](https://www.privacy.gov.ph/data-privacy-act/#18)[.](https://www.privacy.gov.ph/data-privacy-act/#18) Sharing users' data with our clients is done provided on a revocation-based model: only via explicit consent of the user via our SDK. Users can, at any point, revoke access to their data through this same means, making sure they are in full control when and to whom they share their own data. All information is deleted and irretrievable once users have revoked access. Any other data is retained for 60 days, after which all personal data is anonymized. We also maintain a Privacy Policy so you can be sure how your data is being used. We have a wide range of data sources available for users to connect to, from social security institutions as well as various salary and gig platforms. To see our full list of data sources, you can get free access to our [**developer porta**](https://portal.getsmileapi.com/register)[**l**](https://www.getsmileapi.com/platform) and test our platform out for yourself. You may also [**book a call**](https://www.getsmileapi.com/book-a-call-with-smile-api) with us to find out more. Smile limits the amount of API calls that can be made to each endpoint to ensure the stability and availability of the platform for all users. At the moment we only allow clients a maximum of up to 20 requests per second per IP address across all API endpoints. Automatic expansion mechanisms and load balancing assure that service uptime is maintained. [**Book a call**](https://www.getsmileapi.com/book-a-call-with-smile-api) with us to find out how to gain free credits for production mode on your account. Our Wink Widget sits on a webview window above your native app and may be closed by you or the user at any time to go back to your app. Top Southeast Asia Developer APIs Companies and Startups CreditEase, Plug and Play invest in Smile API, an employment data startup targeting gig workers Southeast Asia Deals Monitor: Smile API gets investment from Credit Ease and Plug and Play BSP said its regulated institutions should assess borrowers in "a holistic and prudent manner" Utilizing fintech to streamline employment and income data from different platforms Smile API formally debuts in the Philippines, pitches privacy-centric digital platform Company launches employee info system to make data accessible to financial institutions in the Philippines Smile API to launch of a new digital platform designed to facilitate loan application approval within a few seconds Smile API's secure employee-owned data fast tracks application for financial services [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - Identity - Employment - Income --- ## URL: https://www.getsmileapi.com/reduce-non-performing-loans-with-smile ### Title: Get Smile Checks ### Page ID: 5066862 ### Content: # Reduce Nonperforming Loans with Smile ## **Optimal** **for Credit Risk Managers** ### **Reduce risk** **by assessing loan application processes accurately** ### **Verify your applicant's data straight from our data sources\*** ###### \*All trademarks, trade names, company/product names, brands and logos appearing on this page are the property of their respective owners. ###### Use of them is only for identification purposes and does not imply any association or affiliation with, or endorsement by the respective owners. ### **Frequently Asked Questions** Verify income and employment data in seconds. Streamline card issuance with digital processes. Reduce fraud. Top Southeast Asia Developer APIs Companies and Startups Our reports are directly obtained from reliable government sources, **such as SSS, to confirm your applicant’s past employment history, contributions, and liabilities.** This means you can trust the authenticity of the data, eradicating the fear of false information. Smile Checks ensure you can recruit with confidence. We aggregate and unlock previously siloed employment and income data coming from HR, payroll, commerce, and marketplace platforms through a single API. Our mission is to give workers in Asia greater access to financial services by facilitating the easy sharing of their employment and income data to businesses and financial services. We do this by providing user-authorized access to this data by acting as a gateway or intermediary between custodians of this data and those interested in consuming the data, such as banks and other financial service institutions. Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. Sign up to our Smile Checks portal to get a complimentary background check request. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - Enhance credit decision-making process with comprehensive employment and income data - Streamline underwriting process with access to over 100 data points - - Identity information - Employment history - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/smile-api-for-human-bank ### Title: Get Smile API ### Page ID: 5131909 ### Content: # Reduce Fraud and Time Spent on Onboarding ## **CCAP:** **Smile API Event Form** ## **Financial Inclusion starts with a** **Smile** Share your top pain point on employment and income verification and receive an additional 30 days of unlimited free usage of the Smile API after commercial signing before May 1, 2024. *Certified data protection officers under the DPA 2012* Share your top pain point and receive an additional 30 days of unlimited free usage of the Smile API after commercial signing before May 1, 2024. Empower your customers with seamless financial services using our innovative Smile API. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/frontpage-template ### Title: Frontpage Template ### Page ID: 5537107 ### Content: # **Your Trusted** **Employment** **Data Source** #### Access verified employment data in the Philippines, securely. # **Industries** **We Cover** #### **Banking** #### **Lending** #### **Employment** #### **Banking** # **Our Smart Tools** #### We provide data-driven tools designed to make an impact. #### **Smile Wink** #### **Smile Snap** #### **Smile Checks** ## Contact Us # **Got Questions?** # **We Got Answers** ##### Can Smile API integrate with my existing systems? ##### How secure is Smile API with sensitive data? ##### What kind of support can I expect from Smile API? ##### Does Smile API offer real-time data? Navigate financial waters confidently with data that drives smarter banking decisions. Sharpen your lending strategy with Smile API's insights for a competitive edge. Build a stronger workforce with our comprehensive employment data. Create informed real estate strategies with reliable income data. Get in touch with the number 1 employment data provider in the Philippines. We're here to help! Read our frequently asked questions to learn more about Smile API's mission and services. Absolutely! Our API plays nice with your current setup, making integration smooth and hassle-free. Top-notch security is our promise. We guard your data like it's our own, with industry-leading protocols. Expect nothing less than stellar. Our team is on standby to assist you with any questions or challenges. Yes, indeed! Real-time data is at the heart of what we do, ensuring you're always a step ahead. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/industries-template ### Title: Industries Template ### Page ID: 5542699 ### Content: # Industry-Specific Data Tools #### Get tailored data solutions for your specific needs # Catered to Top Industries ## **Banking** ## **Lending** ## **Employment** ## **Housing** ## Contact Us # Got Questions? # We Got Answers ##### How does Smile API adapt to different industries? ##### Can Smile API handle the scale of large industry operations? ##### Does Smile API stay current with industry regulations? Customized data tools for every sector. Explore how we cater to your industry's unique needs with precision and efficiency. Make smarter banking decisions with verified employment data, enhancing your ability to assess risk and serve customers better. Refine your lending strategy with precise income and employment data, helping you make more informed credit decisions and reduce defaults. Build a stronger workforce using comprehensive background checks, ensuring you hire the right people with confidence and reliability. Create informed real estate strategies with reliable income data, helping you understand market trends and make better investment decisions. Get in touch with the number 1 employment data provider in the Philippines. We're here to help! Read our frequently asked questions to learn more about Smile API's industry-specific solutions. We meticulously tailor our products to meet the distinctive needs and challenges of each industry we serve. Absolutely, our solutions are built to effortlessly scale alongside your growing industry demands. Yes, staying ahead of the regulatory curve is part of our commitment to your industry's success. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/product-template ### Title: Product Template ### Page ID: 5543122 ### Content: # **Reliable Data Solutions** #### Whether you need help with credit reports or background checks, do it with Smile API. # Our Product Lineup #### Discover intuitive tools crafted to streamline your verification needs. ## **Smile Wink** ##### Get detailed financial insights in just 10 minutes, empowering ##### you to make fast and informed decisions for your business. ##### **Continuous Data Sync** ##### **Insights** ##### **Multiple Application Warning** ##### **Intelligent Document Processing** ## **Smile Snap** ##### Secure complex data collection. #### **Intelligent Document Processing** #### **Verification** #### **Signals** #### **Footprints** ## **Smile Checks** ##### Get a detailed report on a candidate's employment history and more. ## Contact Us # **Got Questions?** # **We Got Answers** ##### What makes Smile API's products stand out? ##### Can I try a product before committing? ##### How does Smile API ensure product reliability? ##### Are the products difficult to set up? Seamless integration ensures your data stays up-to-date automatically. Get comprehensive analytics for deeper understanding and better decisions. Stay alert with notifications about multiple applications from a single source. Advanced technology that simplifies and perfects document handling. Streamlined document processing for accuracy and efficiency. Simplify your verification process with ease and reliability. Get real-time alerts for immediate action and response. Track activities effortlessly and maintain comprehensive records. Get in touch with the number 1 employment data provider in the Philippines. We're here to help! Read our frequently asked questions to learn more about Smile API's mission and services. Our tools are built for simplicity and efficiency, ensuring you make quick, informed decisions. Yes! We offer a trial so you can experience the benefits firsthand. Continuous testing and improvements keep our products top-notch and trustworthy. Not at all! Our plug-and-play tools get you up and running with minimal fuss. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/resources-template ### Title: Resources Template ### Page ID: 5556012 ### Content: # Resources # Four to Five Word Title ## **Smile API Demos** ## **Developer Portal** ## **Documentation** ## **Changelog** ## Contact Us # Got Questions? # We Got Answers ##### Accordion 1 ##### Accordion 2 ##### Accordion 3 ##### Accordion 4 ##### Accordion 5 The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sagittis magna a velit hendrerit. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sagittis magna a velit hendrerit. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/company-template ### Title: Company Template ### Page ID: 5559341 ### Content: # About Smile API #### Smile API is the one trusted source for employment data in Asia. # Our Mission is Simple ##### Help businesses thrive by turning complex data into actionable insights. With a goal to empower every client, we bring together the brightest minds to innovate, support, and drive success. Our team is a diverse group of passionate professionals dedicated to delivering excellence and spreading smiles along the way. ## **Vision** ##### Be the one trusted source for employment and income data in Asia #### **Give Secure and Easy Access** #### **Create New Opportunities** #### **Enable Financial Inclusion** ## **Mission** ##### We believe that ownership over one's own data is a basic right, that is why we are committed to empowering individuals by giving them access and control over their own data. By doing this, we are helping individuals turn their data into a valuable asset that they can use to get access to better opportunities and a brighter future. ##### By doing this, we are also creating a society that is more inclusive and equitable for everyone. ## **Our Team** #### **Jerome Eger** #### **Bond Chen** #### **Jan Pabellon** #### **Vincent Villamil** #### **Bianca Ulan** #### **Angela Sabas** #### **Donald Onghanseng** #### **Dominic** ## **Our Blogs** #### **Lorem Ipsum** #### **Lorem Ipsum** #### **Lorem Ipsum** ## **Awarded and Recognized by** ## Contact Us We want to create a future where every individual has the power to unlock their full potential through secure and easy access to their personal data, especially their employment and income information. We serve as a bridge connecting the custodians of people's personal data with those who need it to provide better services; and in the process create new and meaningful opportunities for all. By revolutionizing the way employment and income data is collected, processed, shared and utilized, we strive to create greater inclusion, transparency, equity and opportunity for everyone. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sagittis magna a velit hendrerit. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sagittis magna a velit hendrerit. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sagittis magna a velit hendrerit. Top Southeast Asia Developer APIs Companies and Startups Get in touch with the number 1 employment data provider in the Philippines. We're here to help! [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). --- ## URL: https://www.getsmileapi.com/frontpage-template-copy ### Title: Frontpage Template Copy ### Page ID: 5595293 ### Content: # **Your Trusted** **Employment** **Data Source** #### Access verified employment data in the Philippines, securely. # **Industries** **We Cover** ##### The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. ##### The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. #### **Banking** #### **Lending** #### **Employment** #### **Banking** # **Our Smart** **Tools** #### We provide data-driven tools designed to make an impact. ## **Smile Wink** ## **Smile Snap** ## **Smile Checks** ## Contact Us # **Got Questions?** # **We Got Answers** ##### Can Smile API integrate with my existing systems? ##### How secure is Smile API with sensitive data? ##### What kind of support can I expect from Smile API? ##### Does Smile API offer real-time data? The point of using dummy text for your paragraph is that it has a more-or-less normal Navigate financial waters confidently with data that drives smarter banking decisions. Sharpen your lending strategy with Smile API's insights for a competitive edge. Build a stronger workforce with our comprehensive employment data. Create informed real estate strategies with reliable income data. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. Get in touch with the number 1 employment data provider in the Philippines. We're here to help! Read our frequently asked questions to learn more about Smile API's mission and services. Absolutely! Our API plays nice with your current setup, making integration smooth and hassle-free. Top-notch security is our promise. We guard your data like it's our own, with industry-leading protocols. Expect nothing less than stellar. Our team is on standby to assist you with any questions or challenges. Yes, indeed! Real-time data is at the heart of what we do, ensuring you're always a step ahead. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/industries-template-copy ### Title: Industries Template Copy ### Page ID: 5600513 ### Content: # Industry-Specific Data Tools #### Get tailored data solutions for your specific needs # Catered to Top Industries ## **Banking** ## **Lending** ## **Employment** ## **Housing** ## Contact Us # **Got Questions?** # **We Got Answers** ##### How does Smile API adapt to different industries? ##### Can Smile API handle the scale of large industry operations? ##### Does Smile API stay current with industry regulations? Customized data tools for every sector. Explore how we cater to your industry's unique needs with precision and efficiency. Make smarter banking decisions with verified employment data, enhancing your ability to assess risk and serve customers better. Refine your lending strategy with precise income and employment data, helping you make more informed credit decisions and reduce defaults. Build a stronger workforce using comprehensive background checks, ensuring you hire the right people with confidence and reliability. Create informed real estate strategies with reliable income data, helping you understand market trends and make better investment decisions. Get in touch with the number 1 employment data provider in the Philippines. We're here to help! Read our frequently asked questions to learn more about Smile API's mission and services. We meticulously tailor our products to meet the distinctive needs and challenges of each industry we serve. Absolutely, our solutions are built to effortlessly scale alongside your growing industry demands. Yes, staying ahead of the regulatory curve is part of our commitment to your industry's success. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/frontpage-template-2 ### Title: Frontpage Template 2 ### Page ID: 5605999 ### Content: # Your Trusted Employment **Data Source** # **Industries** We Cover #### **Banking** #### **Lending** #### **Employment** #### **Banking** # Our Smart **Tools** #### We provide data-driven tools designed to make an impact. ## Smile **Wink** ## Smile **Snap** ## Smile **Checks** ## THE POWER OF PRIMACY IN **RETAIL BANKING** ## Contact Us # Got **Questions?** # We Got **Answers** ##### Can Smile API integrate with my existing systems? ##### How secure is Smile API with sensitive data? ##### What kind of support can I expect from Smile API? ##### Does Smile API offer real-time data? Access verified employment data in the Philippines, securely. The point of using dummy text for your paragraph is that it has a more-or-less normal The point of using dummy text for your paragraph is that it has a more-or-less normal distribution of letters. making it look like readable English. Navigate financial waters confidently with data that drives smarter banking decisions. Sharpen your lending strategy with Smile API's insights for a competitive edge. Build a stronger workforce with our comprehensive employment data. Create informed real estate strategies with reliable income data. Get detailed financial insights in just 10 minutes, empowering you to make fast and informed decisions for your business. Streamlined document processing for accuracy and efficiency. Get a detailed report on a candidate's employment history and more. Explore our latest white paper to understand common challenges in the retail banking industry as we battle for customer growth and loyalty. Get in touch with the number 1 employment data provider in the Philippines. We're here to help! Read our frequently asked questions to learn more about Smile API's mission and services. Absolutely! Our API plays nice with your current setup, making integration smooth and hassle-free. Top-notch security is our promise. We guard your data like it's our own, with industry-leading protocols. Expect nothing less than stellar. Our team is on standby to assist you with any questions or challenges. Yes, indeed! Real-time data is at the heart of what we do, ensuring you're always a step ahead. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/job-opportunities ### Title: Job Opportunities ### Page ID: 6460170 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/blog ### Title: Smile API Weblog ### Page ID: 6628606 ### Content: ## **Ready to get started? Contact us today!** ### Contact us so we can assist you with understanding the API, how to implement it in your organization, and how to go live with Smile in your product or service. You can also subscribe to our Newsletter to get the latest updates on Smile. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/data-extraction-demo ### Title: Smile Snap Data Extraction Demo ### Page ID: 6945504 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/payslip-data-extraction-demo ### Title: Smile Payslip Data Extraction Demo ### Page ID: 6957413 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/thank-you ### Title: Thank you ### Page ID: 797774 ### Content: ## Great to hear from you! #### [Blogs](https://www.getsmileapi.com/blog) #### [Documentation](https://docs.getsmileapi.com/) #### [Product Updates](https://roadmap.getsmileapi.com/changelog) #### [Videos](https://www.youtube.com/channel/UCiOk1Or_fVG2R_YmdZU6ewA) #### [Job Openings](https://www.getsmileapi.com/job-opportunities) ## Get good customers with better data. We will get back to you as soon as possible! In the meantime, check out the resources below to learn more about Smile: Read about what we do, our thoughts, and our views about what is happening in the industry in our company blog. Find out more about Smile API through our integration guide and API documentation page. Get updates on our latest product releases including new features and enhancements. Watch recordings of previous webinars, how-to-guides and more in our Youtube channel. Find out the latest job openings at Smile and apply to join the team! We provide instant access to the most recent, comprehensive, verified data about your users' identity, employment and income in the industry. Use it to make better decisions, increase adoption and conversion, lower cost and reduce risk. All rights reserved. [Terms and Conditions](/terms-and-conditions). [Privacy Policy](/privacy-policy). [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - 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[Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - 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If you are not a robot then please try again. Lead Status \-None- List Profiled Contacted Cadence Engaged Booked Not Qualified Junk Lead Email Bounced Category \-None- Direct Channel Data Source Lead Source \-None- Advertisement Chat Cold Call / Outbound Customer Referral Employee Referral External Referral Partner Public Relations SocMed Campaign Web Research Webinar Website --- ## URL: https://www.getsmileapi.com/effortless-secure-employment-account-linking ### Title: Smile Wink ### Page ID: 7200154 ### Content: # **Smile Wink: Effortless, Secure Employment Account Linking** ## **Unlock Fast, Reliable Employment & Income Verification with Smile Wink** ## **Why Choose** **Smile Wink****?** #### **Frictionless User Experience** #### **End-to-End Security** #### **Verified, Structured Data** #### **Plug-and-Play Integration** #### **User-Consented & Privacy-First** ## **Features Built for Scale and Security** ## **Use Cases Where** **Smile Wink** **Delivers** ## **Proven Impact** ## **Ready to power your lending or recruitment process with** **Smile Wink****?** Smile Wink is Smile API’s powerful employment data linking solution—engineered for digital lending, banking, and recruitment platforms across Asia. Instantly access verified employment, income, and identity data from authoritative sources, all through a seamless, consent-driven user experience. Borrowers and applicants can securely link their payroll, government, or HR accounts in minutes—no manual uploads or paperwork required. All data transfers are encrypted and compliant with industry standards. Retrieve rich, standardized employment and income data trusted by leading lenders, banks, and HR teams. Developer-friendly SDK for rapid deployment—no complex backend changes needed. Wink ensures users are in control, sharing only what’s needed, fully compliant with data privacy regulations *(Philippine Data Privacy Act)*. **Smile Wink** is built for digital ecosystems where security, compliance, and ease of integration matter most. Data pulled directly from payroll providers, government systems, and employers—reducing fraud and errors. Tailor the Wink Widget to your brand and workflow for a seamless user journey. Automated, instant access to up-to-date employment and income information. Use as a standalone widget, embed in your app, or invite users via email—no-code options available. Accelerate approvals with accurate, verified income and employment data. Meet compliance and streamline onboarding with trusted identity verification. Automate background checks for HR, staffing, and recruitment. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - 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[API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/smarter-lending-with-smile-api ### Title: Lending ### Page ID: 7229246 ### Content: # **The Future of Lending is Here** ## **Trusted by many leading lenders!** ## **Challenges in Traditional Lending** ## **How Smile API Transforms Lending** ##### **Real-Time Data Access** ##### **Comprehensive Borrower Profiles** ##### **Enhanced Fraud Detection** ## **Key Features for Lending** ##### **Income Verification** ##### **Employment History** ##### **Identity Verification** ##### **Credit Risk Assessment** # **Use Cases** ### Loan Origination & Underwriting ### Credit Scoring & Decisioning ### Portfolio Management # Impact for Lenders and Their Customers ##### **For Lenders** #### Faster Approval Times #### Reduced Operational Costs #### Increased Customer Reach ##### **For Borrowers** #### Easier Application Processes #### Quicker Access to Funds #### Greater Financial Inclusion ### **Ready to transform your lending operations?** ## **Frequently Asked Questions** #### How does Smile help with Credit Decisioning? ### Credit decisioning becomes more efficient and effective with Smile API. By integrating employment verification into the decision-making process, lenders can gain a deeper understanding of an applicant's employment stability and income reliability. This information is crucial when assessing an individual's ability to repay a loan. By leveraging comprehensive data, credit officers can make more informed decisions, leading to optimized risk management and a reduction in default rates. #### How does Smile help with Credit Scoring? ### Credit scoring models benefit significantly from the additional data points provided by Smile API. Traditional credit scores primarily focus on repayment history, credit utilization, and other financial metrics. Smile API complements this by offering alternative credit data, such as employment tenure and income trends, which can be particularly valuable for thin-file or no-file individuals who might not have an extensive credit history. Incorporating employment data into credit scoring algorithms can lead to more nuanced and accurate credit scores. #### How does Smile help with Loan Underwriting and Credit Decisioning? ### During the loan underwriting and credit approval process, Smile API's employment and income verification can streamline application reviews, reducing the time and resources spent on manual checks. For applicants, this can mean faster turnaround times for credit approvals and a better customer experience. For lenders, it means a more efficient process with less manual labor, allowing them to focus on serving more customers and growing their business. #### How do you secure your API? ### All data from Smile API is encrypted at RSA 4096 with SHA-256 signing for maximum security. Additionally, Smile does not store end-user credentials at any point: we pass these directly to the data source's servers via TLS to initiate the process of information sharing. #### Is your API compliant with the data privacy act? ### Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under [**Section 18 of the Philippine Data Privacy Act**](https://www.privacy.gov.ph/data-privacy-act/#18)[.](https://www.privacy.gov.ph/data-privacy-act/#18) #### What data sources are available? ### We have a wide range of data sources available for users to connect to, from social security institutions as well as various salary and gig platforms. #### How scalable is your API? ### Smile limits the amount of API calls that can be made to each endpoint to ensure the stability and availability of the platform for all users. At the moment we only allow clients a maximum of up to 20 requests per second per IP address across all API endpoints. Automatic expansion mechanisms and load balancing assure that service uptime is maintained. #### Can we get free credits to try live data on our account? ### [**Book a call**](https://www.getsmileapi.com/book-a-call-with-smile-api) with us to find out how to gain free credits for production mode on your account. #### Which Mobile OS and Runtime does Smile's Wink SDK support? Transform your lending operations with Smile API—the platform designed to modernize how you verify borrower data, automate underwriting, and assess risk. Smile API empowers lenders to make faster, data-driven decisions while expanding access to financial services for all borrowers, including the underbanked and gig workers. Slow, error-prone processes delay approvals and frustrate applicants. Siloed, outdated, or incomplete information hinders reliable decision-making. Limited insights make it hard to detect fraud or accurately evaluate creditworthiness. Traditional checks often exclude gig, freelance, and underbanked borrowers. Instantly retrieve up-to-date income, employment, and identity data from verified sources. Build a 360° view of each applicant for more accurate credit decisions. Identify inconsistencies and red flags before they impact your portfolio. Access verified, recent income data for confident lending decisions. Confirm job status and work history directly from payroll and government sources. Ensure applicant authenticity and meet KYC requirements. Leverage behavioral and alternative data for smarter risk evaluation. Accelerate approvals and automate checks for personal, business, or salary loans. Supplement or enhance traditional scoring models with real-time, verified data. Monitor borrower risk and update profiles as new data becomes available. Smile API creates a better experience on both sides of the lending process—helping lenders approve faster with less risk, and giving borrowers quicker, more accessible financing. Move from days to minutes with automated workflows. Serve more borrowers, including those with limited credit history. Fewer documents, less hassle, and instant verification. Unlock opportunities for gig workers, freelancers, and the underbanked. Sharing users' data with our clients is done provided on a revocation-based model: only via explicit consent of the user via our SDK. Users can, at any point, revoke access to their data through this same means, making sure they are in full control when and to whom they share their own data. All information is deleted and irretrievable once users have revoked access. Any other data is retained for 60 days, after which all personal data is anonymized. We also maintain a Privacy Policy so you can be sure how your data is being used. To see our full list of data sources, you can get free access to our [**developer porta**](https://portal.getsmileapi.com/register)[**l**](https://www.getsmileapi.com/platform) and test our platform out for yourself. You may also [**book a call**](https://www.getsmileapi.com/book-a-call-with-smile-api) with us to find out more. Our Wink Widget sits on a webview window above your native app and may be closed by you or the user at any time to go back to your app. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). 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[Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - 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[Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - 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[Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/ai-powered-document-processing-and-data-extraction ### Title: Smile Snap ### Page ID: 7312156 ### Content: # Smile Snap: AI-Powered Document Processing & Data Extraction ## **Transform Documents into Verified, Structured Data—Fast and Securely** ## **Why Choose** **Smile** **Snap****?** #### **Automated Data Extraction** #### **Real-Time Validation** #### **Reduce Processing Costs** #### **Adaptive AI** #### **Supports Multiple File Types** ## **Features That Power Smart Workflows** ## **Use Cases Where** **Smile Snap** **Delivers** ## **Business Impact** ## **Ready to automate your document processing?** Smile Snap is an advanced AI document processing solution that automates data extraction from identity documents, income statements, and handwritten forms. Designed for digital lending, onboarding, and compliance-driven industries, Smile Snap eliminates manual entry, accelerates workflows, and ensures data accuracy. Instantly scan and extract key data points from uploaded or scanned documents—no more manual typing. Ensure data completeness and compliance with KYC and data protection regulations as you process. Streamline high-volume tasks, minimize manual work, and lower operational expenses. Smile Snap’s machine learning continuously improves accuracy, even with new document types or formats. Seamlessly process photographed IDs, PDFs, scanned income records, and more. **Smile Snap** is built for teams that need reliable document automation, whether you're in finance, HR, or identity verification. Handles a wide variety of document types without complex setup. Real-time authenticity checking available for some document types to ensure only reliable, verified data moves forward in your workflow. Easily add Smile Snap to your digital lending, HR, or onboarding systems. Accelerate loan approvals by automating document review and income verification. Speed up KYC compliance with instant data extraction from submitted documents. Quickly process identity and employment documents for new hires. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - 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[Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - 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[Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) --- ## URL: https://www.getsmileapi.com/real-time-risk-and-fraud-detection-for-smarter-lending ### Title: Smile Signals ### Page ID: 7312260 ### Content: # Smile Signals: Real-Time Risk & Fraud Detection for Smarter Lending ## **Proactively Detect Fraud and Assess Risk with Smile Signals** ## **Why Choose** **Smile Signals****?** #### **Real-Time Risk Assessment** #### **Multi-Layered Data Signals** #### **Automated Screening** #### **Faster, Smarter Decisions** #### **Seamless Integration** ## **Key Features Built for Smarter Screening** ## **Use Cases Where** **Smile Snap** **Delivers** #### **Loan Underwriting** #### **Fraud Prevention** #### **KYC & Compliance** ## **Business Impact** ## **Ready to strengthen your risk screening and fraud prevention?** Smile Signals is an advanced risk intelligence solution that empowers digital lenders, fintechs, and compliance teams to make faster, safer, and more accurate decisions. By combining telecom data, behavioral signals, and email intelligence, Smile Signals reveals fraud risks and credit concerns before onboarding or loan approval—helping you stay ahead of threats and regulatory requirements. Instantly access actionable risk indicators from multiple data sources to identify fraud, credit default risk, and compliance issues. Go beyond credit scores by verifying identity documents, analyzing phone number validity, telecom activity, email reputation, breach history, online footprint, and blacklist status. Effortlessly check sanctions and PEP lists to meet KYC and AML compliance for every applicant. Reduce manual review, accelerate onboarding, and improve approval accuracy with automated, up-to-date risk insights. Easily add Smile Signals to your lending, onboarding, or verification workflows. **Smile Signals** is designed to help digital lenders, fintechs, and compliance teams screen applicants with speed and precision. Align with KYC/AML requirements while protecting your business from fraud and regulatory penalties. Instantly check for politically exposed persons (PEPs) and global sanctions compliance. Validate government ID numbers by looking it up directly from government databases. Validate and analyze telco data to detect suspicious activity or fake numbers. Assess deliverability, breach exposure, and behavioral history for each email address. Spot disposable emails, high-risk patterns, and identity inconsistencies before they become problems. Enhance credit decisioning with behavioral, identity, and telecom-based risk signals. Detect and block suspicious users before onboarding or transaction approval. Strengthen user and account verification with automated, multi-source screening. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) --- ## URL: https://www.getsmileapi.com/streamline-financing-with-smile-api ### Title: Financing ### Page ID: 7313594 ### Content: # **Powering Business Growth** ## **Challenges in Business Financing** ## **How Smile API Optimizes Financing** ##### **Automated Data Collection** ##### **Efficient Verification** ##### **Improved Accuracy & Reliability** ## **Key Features for Financing** ##### **Business Identity Verification** ##### **Revenue Verification** ##### **Financial Statement Analysis** ## **Use Cases** ### **Small Business Loans** ### **Equipment Financing** ### **Invoice Financing** ## **Impact for Financing Providers and Their Customers** ##### **For Financing Providers** #### Faster Funding Decisions #### Reduced Risk #### Lower Operational Costs ##### **Benefits for Businesses** #### Quicker Access to Capital #### Simplified Application Processes #### Improved Cash Flow ### **Ready to streamline your financing process?** ## **Frequently Asked Questions** #### How does Smile API improve credit decisioning? ### Smile API streamlines credit decisioning by providing instant, verified employment and income data. This means lenders get a much clearer picture of an applicant's financial stability and ability to repay a loan, right when they need it. More reliable data leads to more informed decisions, better risk management, and ultimately, fewer defaults. #### How does Smile API enhance credit scoring? ### Traditional credit scores often miss a big piece of the puzzle, especially for "thin-file" applicants. Smile API fills that gap by adding alternative credit data, like verified employment tenure and income trends, directly into your credit scoring models. This allows for more nuanced and accurate scores, helping you serve a wider range of customers with confidence. #### How does Smile API help with loan underwriting and credit approvals? ### Manual verification is a bottleneck in loan underwriting. Smile API automates this, speeding up application reviews significantly. For your applicants, that means faster loan approvals and a much better customer experience. For you, it means a more efficient process with less manual effort, freeing up your team to focus on growth. #### How does Smile API secure sensitive data? #### Is Smile API compliant with the Data Privacy Act? ### Absolutely. We deeply respect data privacy. Smile API is fully compliant with local laws, including the Philippines' Data Privacy Act of 2012 (RA 10173). Users are always in control of their data, granting explicit consent for sharing via our SDK. They can revoke access at any time, and when they do, all information is immediately deleted and irretrievable. Other data is anonymized after 60 days. Our Privacy Policy is always available for full transparency. #### What data sources does Smile API connect to? ### We offer a wide range of data sources, including social security institutions and various payroll and gig platforms. To see our comprehensive list and even test our platform, you can get free access to our developer portal. Or, simply book a call with us, and we'll walk you through it. #### Can we get free credits to try live data? #### Which Mobile OS and Runtime does Smile's Wink SDK support? ### Our Wink SDK supports IOS Native, Android Native, Flutter, and React. Our Wink Widget operates within a webview and can be closed by you or the user at any time. From small business loans to equipment and invoice financing, Smile API accelerates every step of the financing process. Instantly access real-time business and financial data to make informed decisions, reduce risk, and deliver faster results to your clients. Slow manual reviews delay funding and frustrate applicants. Incomplete or inaccurate data increases risk and slows approvals. Evaluating business creditworthiness can be time-consuming and unreliable. Instantly retrieve up-to-date income, employment, and identity data from verified sources. Build a 360° view of each applicant for more accurate credit decisions. Identify inconsistencies and red flags before they impact your portfolio. Analyze business health directly from source documents. Accelerate loan origination with automated data and verification. Quickly assess eligibility and approve funding for equipment purchases. Validate invoices and business health for faster working capital. For financing providers, enjoy faster decisions, reduced risk, and lower costs through real-time data and automation. For businesses, gain quicker access to capital with simpler applications and better cash flow support. Move from weeks to minutes with automated workflows. Make decisions based on verified, real-time business data. Security is non-negotiable. All data from Smile API is encrypted with RSA 4096 and SHA-256 signing. Crucially, we never store end-user credentials; they are passed directly to the data source's servers via TLS. This ensures maximum security throughout the verification process. Yes, we offer free credits for production mode. Just book a call with us, and we'll show you how to get started right away. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/streamline-hr-and-recruitment-with-smile ### Title: Recruitment ### Page ID: 7313679 ### Content: # **Modernize Your HR Processes** ## **Challenges in HR and Recruitment** ## **How Smile API Empowers HR** ##### **Automated Verification** ##### **Efficient Data Handling** ##### **Improved Decision-Making** ## **Key Features for HR and Recruitment** ##### **Employment Verification** ##### **Background Checks** ##### **Onboarding Automation** ## **Use Cases** ### **Candidate Screening** ### **Employee Onboarding** ## **Impact for Recruiters and Their Applicants** ##### **For Recruiters** #### Reduced Time and Costs #### Minimized Errors #### Improved Compliance ##### **Benefits for Applicants** #### Faster Onboarding #### Simplified Processes #### Enhanced Data Security ### **Ready to transform your HR and recruitment processes?** ## **Frequently Asked Questions** #### What is Smile Checks? ### Powered by the latest advancements in AI and automation, Smile Checks is a fast, accurate, and user-friendly solution that makes it easy for companies to verify the employment history of their job applicants or employees. Our goal is to provide fast, secure, and accurate verification results that can be easily integrated into any hiring or onboarding process. Our product will help companies make better hiring decisions, increase efficiency and reduce risk. We strive to empower businesses of all sizes to make informed decisions through our innovative and reliable verification services. #### What is Smile API? ### Smile API is an employment verification solution and trusted by multiple lending companies. we are now expanding our solution among HR practitioners to support the recruitment process with our instant, automated, and new employee authorized background check solution. while our current clients have enjoyed faster loan application processing and lower delinquency rates, we can do the same for HR -- faster employee onboarding process and significantly lower hiring risks #### How are you protecting the candidate's privacy? ### Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the [**Philippine Data Privacy Act**](https://privacy.gov.ph/data-privacy-act/). #### Why is Smile providing this report? ### Employment history #### Are you going to keep the candidate's data? ### We will not be keeping their data. **Smile follows strict data privacy and security measures**, and rest assured that every background check conducted is authorized by the candidate/employee. The data collected will only be reported to you, the employer/recruiter, and will not be shared with any third parties. #### Why do candidates/employees need to connect their accounts? ### Instead of uploading paperworks to verify employment history, candidates **connecting their account allows for faster and more accurate background checks**, simplifying the job application process and reducing the risk of errors or discrepancies in their information. It's an important step towards making the process easier and more efficient for everyone involved. #### I received an invitation from Smile and I am a Job Candidate What do I do? ### Step 1: Enter your personal information that is asked by your employer. You should get a personalized email with a unique URL just for you (do not share to anyone else!) #### I'm interested. Do you offer a free trial? ### YES! You can sign up for a free trial via our [**Online Portal**](https://smilechecks.getsmileapi.com/signup), or [**book a quick 30-minute call**](https://www.getsmilechecks.com/book-a-call-with-smile-checks-team?utm=website) with us so we can set it up for you immediately during the call! Smile API enables HR teams and recruiters to make smarter, faster hiring decisions by automating candidate data collection and verification. Improve accuracy, reduce risk, and accelerate both hiring and onboarding with a seamless, digital-first approach. **Trusted by US-based agencies, remote founders, and outsourcing teams.** Inaccurate or incomplete candidate information increases risk. Meeting regulatory standards is complex and resource-intensive. Instantly validate employment history, credentials, and background details. Centralize and streamline candidate information for easy access and review. Rely on verified, up-to-date data for confident hiring and onboarding. Confirm previous job roles and tenures directly from trusted sources. Automate criminal record and reference checks for safer hiring. Digitize and simplify employee onboarding with auto-filled forms and secure document capture. Quickly assess and verify candidate qualifications before interviews. Streamline the onboarding journey for new hires with automated data capture and verification. For financing providers, enjoy faster decisions, reduced risk, and lower costs through real-time data and automation. For businesses, gain quicker access to capital with simpler applications and better cash flow support. Ensure accurate, reliable data for every candidate. Meet regulatory requirements with automated, auditable processes. Fewer forms and less paperwork for a better candidate experience. Protect personal information with enterprise-grade security. We seek to give back data control and ownership of your own data to you! This includes your: We believe that by letting you take back control over your own data, you can get access to better opportunities. And by allowing you to share your data more easily, you can get access to better services and experiences. Step 2: If asked, please provide as well your character and professional references Step 3: So we can validate your information, choose the account you would like to connect such as SSS, Nbi Clearance online, PRC and others. Step 4: Login to your chosen employment data source. Step 5: Click "Done" once you have successfully logged in. Step 6: If applicable, select another employment data account. Step 7: Login to your next chosen government account. Step 8: Click "Done" or connect another account if needed. Step 9: Once you have connected your preferred accounts, click "Finish," and the background check report will be sent directly to the recruiter and to you. That's it! The entire process can be completed in just a few minutes. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - Income data - And other relevant information --- ## URL: https://www.getsmileapi.com/simplify-property-rentals-with-smile-api ### Title: Property Rentals ### Page ID: 7313699 ### Content: # **The Future of** # **Hassle-Free Rentals** ## **Challenges in Property Rentals** ## **How Smile API Empowers Property Rentals** ##### **Automated Verification** ##### **Reliable Tenant Data** ##### **Faster Decision-Making** ## **Key Features for Property Rentals** ##### **Tenant Identity Verification** ##### **Income Verification** ##### **Employment History** ## **Use Cases** ### **Tenant Screening** ### **Lease Verification** ## **Impact for Property Managers & Landlords** ##### **For Property Managers & Landlords** ##### Reduced Risk of Bad Tenants ##### Faster Tenant Placement Errors ##### Increased Efficiency ##### **Benefits for Tenants** ##### Faster Approval Process ##### Simplified Application ##### Enhanced Trust ### **Ready to simplify your property rental process?** ## **Frequently Asked Questions** #### How does Smile API simplify tenant verification? ### Tenant verification often involves a lot of manual work and document chasing. Smile API cuts through that by providing instant, verified employment and income data directly from authoritative sources. This means faster, more reliable tenant screening, helping you make informed decisions quickly without the usual hassle. #### Why is instant employment and income verification important for landlords? ### For landlords, quickly and accurately assessing a tenant's financial stability and ability to pay rent is critical. Instant verification from Smile API eliminates the guesswork and delays, reducing your risk of late payments or defaults, and ensuring you get quality tenants in your properties faster. #### How does Smile API ensure data accuracy for tenant screening? ### Smile API integrates directly with trusted government and payroll systems. This means the employment and income data you receive is digitally verified at the source, significantly reducing the risk of fraudulent or outdated information that can happen with manual document checks. #### Is tenant data shared through Smile API protected? #### How quickly can I get verification results with Smile API? ### One of our biggest advantages is speed. Because we connect directly to digital data sources, you can get verified employment and income information in real-time, often within minutes. Say goodbye to days or even weeks of waiting. #### Do tenants need to do anything special to use Smile API? ### It's incredibly straightforward for tenants. Instead of gathering and submitting paper documents, they simply provide consent through our secure platform and connect their accounts (like SSS or payroll platforms). It's a quick, user-friendly process that simplifies their application and speeds up your verification. #### What kind of information can Smile API verify for tenants? #### I'm interested. Do you offer a free trial? ### Yes. Just book a call with us so we can set it up for you. Smile API empowers landlords and property managers to automate tenant verification, accelerate screening, and make confident leasing decisions—all while maintaining robust data security and compliance. Say goodbye to manual checks and slow approvals, and welcome a smarter, more efficient rental process. Manual background checks are time-consuming and prone to errors. Unverified tenants can lead to missed payments and costly evictions. Traditional methods slow down tenant placement and reduce efficiency. Instantly validate tenant identity, income, and employment history from trusted sources. Access up-to-date, accurate information for smarter decision-making. Approve qualified tenants quickly and reduce vacancy periods. Ensure tenants have the financial stability to meet rental obligations. Validate job status and income consistency for added confidence. Automate background checks and risk assessments for new applicants. Confirm eligibility and credentials before finalizing rental agreements. For financing providers, enjoy faster decisions, reduced risk, and lower costs through real-time data and automation. For businesses, gain quicker access to capital with simpler applications and better cash flow support. Minimize vacancies with rapid screening and approval. Streamline rental workflows and cut operational costs. Move in sooner with instant verification. started sooner with instant verification. Demonstrate credibility to landlords with verified credentials. Yes! Data security and privacy are paramount. All data transmitted through Smile API is encrypted. We adhere strictly to the Data Privacy Act of 2012 (RA 10173), ensuring that all data sharing is done with the tenant's explicit consent. They remain in full control of their information. Smile API can verify key information such as employment history, current employment status, and income details directly from reliable sources. This gives you a comprehensive and trustworthy overview of a prospective tenant's financial standing. [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") --- ## URL: https://www.getsmileapi.com/smile-kyc-demo ### Title: Smile KYC Demo ### Page ID: 8358174 ### Content: [Client Terms and Conditions](https://www.getsmileapi.com/client-terms-and-conditions)[.](/terms-and-conditions) [End User Terms and Conditions](https://www.getsmileapi.com/end-user-terms-and-conditions). [Privacy Policy](/privacy-policy). - [Home](/ "Home") - [Products](/platform "Products") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - 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[Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - [Job Opportunities](/job-opportunities "Job Opportunities") - [Contact](/contact-us "Contact") - [Account Linking](/effortless-secure-employment-account-linking "Account Linking") - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - 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[Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction "Intelligent Document Processing") - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending "Risk and Fraud Indicators") - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation "Digital Onboarding") - Use Cases - [Lending](/smarter-lending-with-smile-api "Lending") - [Financing](/streamline-financing-with-smile-api "Financing") - [Recruitment](/streamline-hr-and-recruitment-with-smile "Recruitment") - [Property Rentals](/simplify-property-rentals-with-smile-api "Property Rentals") - [Developers](/# "Developers") - [Developer Portal](https://portal.getsmileapi.com "Developer Portal") - [API Documentation](https://docs.getsmileapi.com "API Documentation") - [Change Log](https://roadmap.getsmileapi.com/changelog "Change Log") - [Status Page](https://status.getsmileapi.com "Status Page") - [Company](/about-us "Company") - [Smile API Weblog](https://blog.getsmileapi.com "Smile API Weblog") - 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[Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - 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[Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) --- ## URL: https://www.getsmileapi.com/download-ai-ready-lending-playbook ### Title: Download AI-Ready Lending Playbook ### Page ID: 9552247 ### Content: [](https://cloud-1de12d.becdn.net/customfile/b6a27e5d6598d5381c04441c47a4ba8e1bfae1acc54ffab75132642d8b724c49/Smile-API-AI-Lending-Playbook.pdf) Download the **The Al-Ready Lending Playbook** [](https://www.linkedin.com/company/smileapi) [![](https://cloud-1de12d.becdn.net/media/iW=32&iH=21&oX=2&oY=0&cW=28&cH=21/f841390056d44842c02b427e204b5628/x-logo.png "x-logo.png")](https://twitter.com/getsmileapi) [](https://www.facebook.com/getsmileapi) [](https://www.youtube.com/@getsmileapi) [](https://www.crunchbase.com/organization/smile-2694) [](https://angel.co/company/smile-api) [![](https://cloud-1de12d.becdn.net/media/iW=29&iH=29&oX=0&oY=3&cW=29&cH=22/68b391eda0f6b484593cc85affef1638/image.png)](https://e27.co/startups/smile-api/) [](https://github.com/SmileAPI) Get in touch First Name\* Last Name\* Organization Name\* Job Title\* Business Email\* Mobile Area of interest?\* Captcha validation failed. 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[Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Home](/) - [Products](/platform) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - Use Cases - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developers](/#) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Company](/about-us) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities) - [Contact](/contact-us) - [Account Linking](/effortless-secure-employment-account-linking) - [Intelligent Document Processing](/ai-powered-document-processing-and-data-extraction) - [Risk and Fraud Indicators](/real-time-risk-and-fraud-detection-for-smarter-lending) - [Digital Onboarding](/seamless-digital-onboarding-and-kyc-automation) - [Lending](/smarter-lending-with-smile-api) - [Financing](/streamline-financing-with-smile-api) - [Recruitment](/streamline-hr-and-recruitment-with-smile) - [Property Rentals](/simplify-property-rentals-with-smile-api) - [Developer Portal](https://portal.getsmileapi.com) - [API Documentation](https://docs.getsmileapi.com) - [Change Log](https://roadmap.getsmileapi.com/changelog) - [Status Page](https://status.getsmileapi.com) - [Smile API Weblog](https://blog.getsmileapi.com) - [Job Opportunities](/job-opportunities)