Privacy Policy & Data Disclosure
Effective Date: February 18, 2026 | Last Updated: February 18, 2026
Every research initiative at Smart Policy Pro focuses on deep dives into America’s cyber insurance landscape. Our approach to privacy is built on clear rules and straight talk. This policy outlines how we handle information—balancing our specialized research mission with strict adherence to GDPR, CCPA/CPRA, VCDPA, and CPA.
International Data Transparency: We conduct our studies out of Kathmandu, Nepal. However, every step we take follows U.S. federal and state privacy rules. By using our site, you acknowledge that your details may be processed in Nepal specifically to examine patterns and study outcomes in the U.S. digital market.
1. How We Gather and Handle Information
We collect "Personal Information" only when it is essential for study findings or replying to your inquiries. We operate under the principle of Data Minimization:
- Direct Data: Names and professional emails provided through our inquiry portal.
- Log Data: IP addresses, browser types, and navigation paths used to improve site performance.
- Non-Collection Policy: Personal details like Social Security Numbers (SSNs) or financial credentials stay out of our system entirely. Any insurance risk data submitted remains confidential research material—it is locked within trusted handling and never shared.
2. Ads and Cookie Use (Google AdSense)
This website shows ads through Google AdSense. Because of how you browse here—and elsewhere online—Google and its partners use cookies to serve targeted advertisements based on your visits.
- Certified Compliance: We utilize a Google-certified Consent Management Platform (CMP) to honor user choices across the EEA and United States.
- User Control: You can opt out of personalized ads via Google Ads Settings.
- Instant Updates: You may change your cookie preferences at any time by clicking the "Privacy Settings" link in our website footer. Your choices update instantly.
3. US State Privacy Rights (CCPA/CPRA Rules)
Under the 2026 California Privacy Rights Act and similar state laws, U.S. residents hold significant rights over their data:
- Right to Correct: You have the right to fix mistakes in your details. If what we hold is inaccurate, we will update it upon your request.
- Right to Know & Delete: You can ask for a copy of your stored info or request a "full wipeout" at any time. Erasing your data leaves no trace behind.
- Global Privacy Control (GPC): Our site automatically detects and honors GPC signals. If your browser sends a GPC signal, we treat it as a binding choice to opt-out of any data sharing or sale.
Exercise Your Rights: Visit our Do Not Sell or Share My Information page or message us at contact@smartpolicypro.com.
4. Data Security and Retention
Your data travels using SSL or HTTPS encryption. We retain personal information for a maximum of 24 months. Selling your data? That will never happen here. We strictly prohibit the transfer of user data to third-party data brokers.
Compliance Contact
Research Entity: Smart Policy Pro Team
Data Protection Officer: Dipesh Karki
Email: contact@smartpolicypro.com
© 2026 Smart Policy Pro | Specialized Cyber Liability Research Hub
