Privacy Policy

1. Who We Are

This website is operated by Smart Mortgage Insurance (“we”, “us”, “our”).

We operate as a marketing and lead generation service. We are not an insurance company, broker, or financial adviser, and we are not authorised or regulated by the Financial Conduct Authority (FCA).

For the purposes of UK data protection law, we act as a data controller in relation to the personal data you provide through this website.

 

2. What Information We Collect

We may collect and process the following personal data:

  • Full name

  • Date of birth

  • Email address

  • Telephone number

  • Postcode or address

  • Employment status

  • Basic lifestyle information (for example smoker status)

  • Any other information submitted via our enquiry forms

We do not request detailed medical records on this website. However, depending on the information you provide, some data may relate to health or lifestyle factors relevant to protection insurance.

3. How We Use Your Information

We use your personal data to:

  • Pass your enquiry to one or more FCA-authorised insurance firms

  • Allow those firms to contact you regarding mortgage protection, life insurance, or related protection products

  • Improve our website and marketing activity

  • Comply with legal obligations

We do not provide advice, arrange insurance, or make recommendations.

4. Sharing Your Information

By submitting your details, you consent to your information being shared with one or more FCA-authorised and regulated insurance firms operating within the United Kingdom.

Those firms will act as independent data controllers and will process your data in accordance with their own privacy policies.

We may also share data with:

  • IT and website hosting providers

  • CRM and marketing software providers

  • Analytics and marketing tools

  • Legal or regulatory authorities if required

We do not sell your personal data.

5. Lawful Basis for Processing

Under UK GDPR, we rely on the following lawful bases:

Consent
When you submit your details and agree to be contacted by insurance partners.

Legitimate Interests
To operate and improve our lead generation services.

Where any health-related information is involved, processing is based on your explicit consent when submitting your enquiry.

You may withdraw consent at any time by contacting us.

6. Marketing Communications

By submitting your details, you agree that FCA-authorised insurance firms may contact you by:

  • Telephone

  • Email

  • SMS

You may opt out of communications at any time by contacting the firm that contacted you or by emailing us directly.

7. Data Retention

We retain personal data only for as long as necessary to:

  • Fulfil the purpose for which it was collected

  • Meet legal and regulatory obligations

  • Resolve disputes

Personal data is typically retained for no longer than 12 to 24 months, unless required otherwise for compliance reasons.

8. Data Security

We implement appropriate technical and organisational measures to protect your personal data against:

  • Unauthorised access

  • Loss or misuse

  • Accidental disclosure

However, no transmission of data over the internet can be guaranteed to be completely secure.

9. Your Rights

Under UK GDPR, you have the right to:

  • Access your personal data

  • Request correction of inaccurate data

  • Request deletion of your personal data

  • Restrict processing

  • Object to processing

  • Request data portability

  • Lodge a complaint with the Information Commissioner’s Office (ICO)

10. Cookies

Our website may use cookies and tracking technologies to:

  • Improve user experience

  • Analyse website traffic

  • Support marketing and advertising activities

You can manage cookies through your browser settings.

11. Third-Party Websites

This website may contain links to external websites. We are not responsible for the privacy practices or content of third-party websites.

12. Changes to This Policy

We may update this Privacy Policy from time to time.

Any updates will be posted on this page with a revised effective date.

Continued use of the website after changes indicates acceptance of the updated policy.