How we handle compliance

Referrals into financial services carry real responsibilities. Here's how SmartPeer is built to meet them.

Consent before anything moves

No client detail reaches any adviser until the client has personally confirmed their details and consented on a secure form — choosing exactly which services they're happy to be referred for. Every consent is recorded and evidenced.

Trained members, approved wording

Every person who refers through SmartPeer completes our certification before their first referral, and uses approved wording with clients. Members never advise, never recommend products, and always disclose that a fee may be received.

Regulated advice, delivered by authorised firms

All advice is provided by firms authorised and regulated by the Financial Conduct Authority. SmartPeer's role is the introduction — professionally managed, documented and auditable.

An audit trail on everything

Every referral, consent, commission and payment is recorded on an immutable ledger. If a question is ever asked — by a member, a client or a regulator — the answer exists.

Data protection

See our privacy policy for how personal data is handled, retained and protected.