HOW WE AUTHORISE PARTNERS
FIND THE RIGHT PLAN FOR YOU
All Members Must Follow The Following Rules:
There could be 1000's of plans available to you, so let our partners do all of the hard work. They'll find the right deal for your needs and could save thousands by comparing the market for you
NO PUSHY SALES TACTICS: All processes must not be persuasive and purely informational.
NO SPAM EMAILS: Email is not required to apply & we'll never overload you with emails. If you'd like helpful tips however feel free to subscribe.
DISCOVERY CALL: The initial call with your partner is solely to workout if it's a good fit for you.
Reverse Mortgage Buddy is a trading name of Smarter Clicks Marketing Ltd, a UK-based marketing company registered at 85 Portland Road, First Floor, London, England, W1W 7LT. We are not regulated in the United States. While Smarter Clicks Marketing Ltd is not directly FCA-regulated, we are a family business and work closely with our regulated sister company where applicable. Any references to financial services within our communications are provided through that regulated entity.
When we use the term “our approved specialists”, this refers to the reverse mortgage broker or firm we have approved to process your enquiry.
Smarter Clicks Marketing Ltd acts is not a credit broker or lender. Nothing on this website constitutes financial advice. If you need financial advice, you should consult a qualified financial adviser.
Smarter Clicks Marketing Ltd processes the information you provide and may pass this on to trusted third-party lenders or brokers. All lending is subject to status, affordability, and lender policies.
Our service is free to use. Smarter Clicks Marketing Ltd carries out marketing for carefully selected third-party brokers and lenders. We may be compensated in different ways, including variable monthly fees paid by brokers/lenders, commission on successful loan completions, or fixed fees per lead delivered, depending on the broker relationship at the time.
© Reverse Mortgage Buddy 2017 – 2025. All rights reserved. Registered office: 85 Portland Road, First Floor, London, England, W1W 7LT.
Reverse Mortgage Buddy is not a lender. We connect you with licensed reverse mortgage specialists.
Not a government program. Reverse mortgages are not endorsed by or affiliated with the U.S. government.
Products, terms, and availability vary by state.
Site built, maintained and designed by www.smarterppcclicks.co.uk
Protecting your privacy is important to us. This Privacy Policy explains how Reverse Mortgage Buddy (a trading style of Smarter Clicks Marketing Ltd) collects, uses, shares, and protects personal information that you provide to us when using this website.
Smarter Clicks Marketing Ltd (company number 11794658) is a UK-based marketing company with its registered office at 85 Portland Road, First Floor, London, England, W1W 7LT. Reverse Mortgage Buddy is operated by Smarter Clicks Marketing Ltd for US visitors for informational and marketing purposes only.
This Privacy Policy applies to US visitors and is designed to comply with applicable US privacy laws, including but not limited to the California Consumer Privacy Act (CCPA/CPRA), the Virginia Consumer Data Protection Act (VCDPA), and similar state privacy laws.
1. Information We Collect
We may collect the following categories of information:
1.1 Information you provide directly, such as when filling in forms on our Website (e.g. name, phone number, email, address, property details).
1.2 Communications you send us (emails, SMS, phone calls, or other correspondence).
1.3 Information about your visits to our Website, including traffic data, location data, device/browser details, and the resources you access.
1.4 Information to verify your identity when necessary.
1.5 Information from third parties (such as service providers, referral partners, or public databases).
2. How We Use Your Information
We may use your personal information to:
2.1 Process and submit your enquiry to our trusted partners so they can provide you with information on reverse mortgage products.
2.2 Contact you by telephone, SMS, or email to discuss your enquiry and related services.
2.3 Send you information about products, services, or promotions from us or our partners, unless you opt out.
2.4 Share with trusted marketing partners (only if you consent) so they may contact you about their products and services.
2.5 Respond to enquiries and handle complaints.
2.6 Improve and secure our website, systems, and services.
3. How We Share Your Information
We may share your personal information with:
3.1 Our trusted partners (lenders, brokers, and service providers) to connect you with reverse mortgage products you’ve expressed interest in.
3.2 Service providers who support our operations (e.g. hosting, analytics, communications).
3.3 Marketing partners (with your consent) who may contact you with relevant offers.
3.4 Legal and regulatory authorities where required by law, or to protect our rights, property, or safety.
3.5 In the event of a business transfer, if our assets are acquired, customer data may be transferred as part of the transaction.
We do not sell your personal information for money, but we may “share” data with partners for marketing purposes as defined under some state privacy laws. You may opt out of this sharing at any time.
4. Your Privacy Rights (US Residents)
Depending on your state of residence, you may have rights under applicable laws, including the right to:
Access the personal information we hold about you.
Delete personal information we hold about you (subject to certain exceptions).
Opt out of the sale or sharing of your personal information.
Correct inaccurate information we maintain about you.
Limit use of sensitive personal information (where applicable).
Non-discrimination: You will not be discriminated against for exercising your privacy rights.
To exercise your rights, please contact us at:
info@reversemortgagebuddy.com
Reverse Mortgage Buddy, 85 Portland Road, First Floor, London, England, W1W 7LT
We may take reasonable steps to verify your identity before fulfilling your request.
5. Data Retention
We keep your personal information only as long as reasonably necessary for the purposes described in this policy, including to meet legal, regulatory, and contractual obligations.
6. Security
We use industry-standard security measures to protect your information. However, no transmission over the internet can be guaranteed to be 100% secure, and you share information with us at your own risk.
7. Cookies and Tracking
We use cookies and similar technologies to improve your browsing experience, analyze traffic, and provide personalized content.
You can manage your cookie preferences through your browser settings. Blocking cookies may impact the functionality of our website.
8. Third-Party Links
Our Website may contain links to third-party websites. We are not responsible for the privacy practices of those websites, and you should review their privacy policies before providing any personal information.
9. Children’s Privacy
Our services are not directed at children under 18, and we do not knowingly collect personal information from children. If you believe we have done so, please contact us to request deletion.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with the “last updated” date.
Thank you for visiting theequityreleaseguide.co.uk
Below you'll find a few important things you need to know about us and your use of our services. Please read these terms and conditions carefully before you start to use our services.
Information about us
The Equity Release Guide is a registered Trading Name of Smarter Clicks Financial Services. registered in England and Wales (company number 10660222). Registered office: St Johns St, Tunbridge wells, Kent, TN4 9PH. Smarter Clicks Financial Services is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 690249. Licenced by the Information Commissioners Office, (registration number ZA026964)
The The Equity Release Guide service
We provide a number of services via telephone, online and by other means. In asking us to provide you with a service(s) you are also entering into an agreement with us.
By entering into an agreement with us you are accepting our terms and conditions and agree to abide by them.
We acknowledge our obligations to this agreement by performing the service you have requested. In doing so we are the service provider and you are our customer.
We deal directly with the customer and have no obligation to any party other than our customer.
If you are accessing our service on behalf of a 3rd party our obligation is still with you, the customer. And as our customer the terms and conditions of this agreement apply to you, the customer and no other parties or agents connected to you.
Accessing and using our website
Access to our website is permitted on a temporary basis, and, as explained below, we reserve the right to withdraw or amend the service we provide on our website without notice. We will not be liable if for any reason our website is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms and conditions.
You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms and conditions, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference and you may draw the attention of others to material posted on our website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.
You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our website in breach of these terms and conditions, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Service Limits
We act as a credit broker to our customers. On behalf of the customer we locate lenders and providers of financial services which offer loans or offers of finance.
We work alongside a number of loan, finance providers and other credit brokers (“Our Partners”). These are the companies and organisations that we use to help find loans and offers of finance for our customers.
We do not provide loans or finance and do not represent the interests of or act on behalf of any of Our Partners.
Once a customer enters into an agreement with us and accepts our terms and conditions, we act as the customer’s credit broker for a period of 6 months. This period allows us the chance to try and find a loan or offer of finance required by the customer.
Our customers are protected under the Consumer Credit Act 1974 (as amended) (“CCA”) and all of the lenders and financiers we work with to find loans for our customers are authorised and regulated by the Financial Conduct Authority.
To find out more information about how the CCA protects the rights of consumers contact the Trading Standards Institute www.gov.uk/find-local-trading-standards-office or the Citizens Advice Bureau www.citizensadvice.org.uk
Examples of rates, amounts borrowed and repayment periods given on our website are provided by way of offering a representative example of the product to help the customer understand the products on offer.
We do not provide the representative examples as any form of assurance of what any of Our Partners will actually offer the customer, or as any guarantee that the customer will be approved for finance by Our Partners.
The decision to provide customers with loans or offers of finance lies with Our Partners alone and will depend on many things including a lender’s assessment of a customer’s credit worthiness by taking into account their credit history.
Reliance on information posted
Material on the website
This website and the information, names, images, logos regarding or relating to us are provided 'as is.' Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.
Financial information
Articles and information contained on our website pertaining to financial services available on the market and their use and the management of personal finances are presented as opinion only and are not presented as financial advice. Users of our website and services requiring financial advice are advised to seek information from a registered and qualified Independent Financial Adviser (IFA).
Our website changes regularly
We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.
Our liability
The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and third parties connected to us hereby expressly exclude:
• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Communications from or on behalf of The Equity Release Guide
We will contact customers by telephone, SMS, email and post about relevant products and services related to us, our associated companies and/Our Partners unless the customer has told us that they do not want to be contacted about these or other promotions.
By using our services to request a quote for a financial service or product, the customer will be contacted by Our Partners by telephone, SMS, email, fax and/ post in order to provide them with that particular financial service or product.
Checks and references
We do not carry out credit checks on customers when loan and finance applications are made or when customers register with our service.
However, Our Partners who will try to find loans and finance on behalf of customers may use external credit reference agencies and credit scoring services to ascertain that the customer is eligible for a loan or finance and meets the criteria of Our Partner.
Credit checks and credit reference agencies can also help prevent fraudulent applications so by proceeding with your application you agree to Our Partners using data provided for the purpose of preventing fraud and ensuring the customers identity is as claimed. This data may be used by a Credit Reference Agency or Fraud Agency and these agencies may keep a record of your information.
Information provided by the customer must always be true and accurate as misleading information will be regarded as a breach of our terms and is likely to breach any agreement the customer has entered into with Our Partners. Furthermore, misleading information may also result in the instigation of criminal procedures against the customer.
If the customer has authorised any 3rd Parties to access the service on behalf of the customer instructions issued by authorised 3rd parties will be contractually binding on the customer on whose behalf the 3rd Party is acting.
Should the customer choose to make a joint application for a loan or finance via our site each party will be dealt with as a customer acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.
Exclusions
The obligations and responsibilities of any breach of contract of or by us does not extend beyond the agreement with the customer and does not include any obligation to any bank, counter party, intermediary or other third party connected to the customer.
The customer takes full responsibility for any loss or damage incurred through the provision of misleading or incorrect information to us by the customer.
Should loss arise from our non-performance there will be no liability held against us if this is caused by something beyond our reasonable control, including changes in the law or regulations affecting our normal operations.
Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.
Information about you and your visits to our website
We process information about you in accordance with our Privacy Policy. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.
Viruses, hacking and other offences
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
You must not establish a link from any website that is not owned by you.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our website other than that set out above, please contact us on our contact form by clicking here.
Links from our website
Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Applicable law and jurisdiction
These terms and conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales or by Scots Law if you are resident in Scotland at the time of entering an agreement with us.
Language
The agreement is in English and all communications between you and us will be in English.
Financial information
Articles and information contained on our website pertaining to financial services available on the market and their use and the management of personal finances are presented as opinion only and are not presented as financial advice. Users of our website requiring financial advice are advised to seek information from a registered and qualified Independent Financial Adviser (IFA).
Changes to terms and conditions
We may change these terms and conditions at any time by posting changes online. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. By continuing to use the site after changes are posted you are accepting our new terms and conditions. Some of the provisions contained in these terms and conditions may also be superseded by provisions or notices published elsewhere on our website.
Complaints
We aim to offer an excellent service to all our customers. If you feel that we have failed to provide our service or wish to make a formal complaint of any kind, write to:
Compliance Manager
Smarter PPC Clicks
St Johns St, Tunbridge wells, Kent, TN4 9PH
A response will be provided promptly upon receipt of your letter of complaint.
If we do not resolve your complaint internally to your satisfaction, you may be able to refer your complaint to the Financial Ombudsman Service:
Financial Ombudsman Service,
Exchange Tower,
London,
E14 9SR.
www.financial-ombudsman.org.uk
Contacting us about these terms and conditions
If you have any comments about our website or our terms and conditions please click here to submit a contact form
The Equity Release Guide is committed to excellence in customer service and to treating its customers fairly. It recognises that from time to time things can go wrong, which means you may need to make a complaint. All complaints are investigated fairly and thoroughly, so that we can resolve your issue, and, where we have made a mistake, for us to learn from your complaint.
How do I complain?
In the event that you ever have to complain to us, you should contact:
The Equity Release Guide, St Johns Street Tunbridge Wells Kent TN4 9PH
or by phone 0121 737 8420 or by email info@fairmontloans.co.uk
Do I have to make the complaint in writing?
No. We are happy to accept complaints by telephone on the above number. Please make it clear that you are registering a complaint and make a note of the name of the person you spoke to and the date on which you rang. If you want the FOS to consider your complaint, you must send your complaint to them within 6 months of the date of the final response.
In relation to your complaint you can also request a review from the European Online Dispute Resolution platform: http://ec.europa.eu/consumers/odr/
What happens next?
a) We will acknowledge your complaint promptly and in any event within 5 working days of your complaint being received. If you do not hear from us in that time, please check first to see that we have actually received your complaint.
b) We will investigate your complaint fairly, impartially and thoroughly.
c) If we are not able to provide you with a full response to your complaint within four weeks, we will send you a letter explaining how we are progressing with our investigation.
d) After we have investigated your complaint, we will write to you explaining the outcome of the investigation.
How long will the investigation take?
We will investigate your complaint as quickly as possible. We will aim to complete our investigation within eight weeks of receiving the complaint and you will always receive our final response in this timeframe. If we cannot come to a conclusion in that time, we will tell you why and refer you to the Financial Ombudsman Service.
What happens at the end of the investigation?
We will send you a final letter, which will either uphold your complaint and let you know how we plan to resolve it, or reject it.
What if I am not satisfied with your decision?
If, for any reason, you are not happy with our decision, or if we have been unable to reach a conclusion to our investigations, then you will be entitled to refer your complaint to the Financial Ombudsman Service. Their contact details are as follows:
Telephone: 0300 123 9 123 or 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Post: Financial Ombudsman Service Exchange Tower London E14 9SR
Please note that we are not covered by the Financial Services Compensation Scheme, which means you are not entitled to compensation from the scheme if we cannot meet our obligations.
Unfortunately we can only help homeowners