# Terms of Use

Last updated: 2 July 2026

Welcome to smartprivatehealth.com ("we", "us", or "our"). By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please do not use this site.

## 1. About This Website

smartprivatehealth is a promotional and informational website about private medical insurance (PMI) in the United Kingdom. The content on this site is provided for general information and marketing purposes only. It does not constitute financial, medical, or legal advice.

## 2. No Professional Advice

Information published on this website, including articles, guides, and price examples, is intended to help you understand PMI options. You should always seek independent professional advice before making any financial or healthcare decisions. We are not a regulated financial adviser or insurance broker.

## 3. Third-Party Links

This website may contain links to third-party websites, including insurance providers and comparison services. We are not responsible for the content, accuracy, or practices of any third-party site. Your use of third-party services is governed by their own terms and policies.

## 4. Accuracy of Information

We make reasonable efforts to ensure the information on this site is accurate and up to date. However, we do not guarantee that all content is complete, current, or error-free. Premium prices, policy features, and NHS wait time statistics are examples and may vary based on individual circumstances.

## 5. Intellectual Property

All content on this website — including text, graphics, logos, and images — is the property of smartprivatehealth or its licensors and is protected by applicable copyright laws. You may not reproduce, distribute, or modify any content without our prior written consent.

## 6. Limitation of Liability

To the fullest extent permitted by law, smartprivatehealth shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein.

## 7. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page with a revised "Last updated" date. Continued use of the site after changes constitutes acceptance of the updated terms.

## 8. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

## 9. Contact

If you have questions about these Terms of Use, please contact us at support@smartprivatehealth.com or visit our Contact page.