Privacy Policy

This Privacy Policy explains how SmartLivingHub ("we", "our", "the Service") collects, uses, shares, and protects your personal information. By using our website or app, you agree to the practices described in this policy.

1. Information We Collect

We collect the following types of information to operate and improve the Service:

• Personal Information: Vehicle details, zip code, age, and other inputs you provide to generate insurance recommendations.
• Account Information: Email address, password, and profile details if you create an account.
• Usage Data: Pages viewed, buttons clicked, time spent, device type, browser information, and IP address.
• Cookies & Tracking: We use cookies, analytics tools, and similar technologies to improve user experience and performance.

2. How We Use Your Information

We use your information to:

• Analyze insurance options and deliver personalized recommendations.
• Improve Service accuracy, speed, and performance.
• Communicate updates, alerts, and support messages.
• Ensure security and prevent fraud or misuse.
• Comply with legal obligations when required.

3. AI Processing & Recommendations

SmartLivingHub uses AI algorithms to compare insurance plans and produce recommendation results. Input data such as your vehicle type, zip code, and age is used to calculate potential savings. These results are estimates only and not guaranteed.

4. How We Share Information

We do not sell your personal information. However, we may share information in the following cases:

• Service Providers: Analytics services, hosting providers, and technical partners who help operate the platform.
• Insurance Partners: When you choose to view or purchase a plan, we may send relevant details to the insurance provider.
• Legal Compliance: If required by law, regulation, or valid legal request.
• Business Transfers: In case of a merger, acquisition, or asset sale.

5. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to:

• Store preferences
• Measure performance and analytics
• Improve the accuracy of AI recommendations

You may disable cookies in your browser settings, but some features may not function correctly.

6. Data Security

We implement technical and organizational measures to protect your information, including encryption, secure servers, and access controls. However, no online platform can guarantee complete security.

7. Data Retention

We retain personal data only as long as necessary to provide the Service, comply with legal requirements, or improve platform functionality. You may request deletion of your account and data at any time.

8. Your Rights

Depending on your region, you may have the right to:

• Access a copy of your personal information
• Request correction of inaccurate data
• Request deletion of your data
• Opt out of marketing communications
• Limit certain data processing uses

To exercise any rights, contact us at [email protected].

9. Children’s Privacy

SmartLivingHub is not intended for users under the age of 18. We do not knowingly collect data from minors.

10. Changes to This Policy

We may update this Privacy Policy occasionally. Significant changes will be posted on this page. Continued use of the Service after updates means you accept the revised policy.

11. Contact Us

If you have questions, concerns, or data requests, contact us at:

Email: [email protected]