The privacy policy most UK SMBs ship and shouldn't
The default UK SMB privacy policy is a 2017 EU GDPR template lifted off Iubenda or Termly, with the company name find-and-replaced. It mentions the wrong regulator, references EU SCCs that are no longer the correct UK transfer mechanism, and lists sub-processors that haven't been the vendor of record for two years. The ICO does not enforce on cosmetics, but the gap between what your policy says and what your stack actually does is what gets you in trouble when a data-subject request lands.
What this generator includes
The ten sections the ICO expects in a UK GDPR privacy policy: identity of the controller, the categories of personal data, the lawful basis for each, retention period, sub-processor list, international transfer mechanism, data subject rights (with the ICO complaint route), cookie and marketing consent positions. The output is markdown, ready to paste into your website footer or a Notion docs site.
What this generator does not include (and why)
Three things deliberately. Children's data provisions because if you process under-13 data you have an Age Appropriate Design Code obligation that requires legal review. Automated decision-making disclosures because if you run model-based decisions affecting customer rights you need Article 22 specific language reviewed by counsel. Regulated-sector language(healthcare beyond general clinic, financial services, insurance) because those carry sector-specific obligations the generator can't cover safely.
The right way to use this output
Generate the policy. Publish it. Set a calendar reminder to re-review every 12 months and after any change to your sub-processor list. Audit against your actual stack at least once a year; the most common compliance gap is shipping a new third-party tool and forgetting to add it to the policy. Tools that hold personal data (analytics, CRM, support inbox, email broadcaster, file storage) all need to be listed.
Where NuvenarHub fits
NuvenarHub captures customer data in the UK / EEA (Hetzner Helsinki), has a published DPA aligned to UK GDPR Article 28 (see /legal/dpa), and maintains a sub-processor list that updates when our vendors change. For operators who don't want to maintain a privacy policy themselves, hosting customer data inside NuvenarHub means you can reference our public DPA in your own policy and rely on our maintained processing chain rather than tracking it across twelve different vendors.