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Privacy Policy

June 2nd 2018

Who are we?

We are Marshmallow Financial Services Limited (“we”, “our”, “us”) and operate under the name of Marshmallow.
We’re registered with the Information Commissioner’s Office under number ZA295898.
We’re registered and authorised with the Financial Conduct Authority under number: 797672

Our Commitment

We are committed to protecting and respecting your privacy. If you have any questions about your personal information please chat with us through marshmallow.com, or by emailing us at help@marshmallow.com, or by writing to us at 14 Gray's Inn Road, London WC1X 8HN.

What information we hold about you


- Information that you submit through www.marshmallow.com when we are arranging and administrating insurance policies.

For example when you provide information to us such as your name, address, and registration plate.

There may be times where you give us sensitive information such as your biometric data. We will only use this in strict accordance with the law.

- Information that your browser sends us when you visit our site.

This may include your IP address, browser type, browser version, pages that you visit on our site, the time you spent on those pages and other statistics.
Information from any social network or online account that you share with us.

- Information from any social network or online account that you share with us.

How we use your information

To provide our service we use it to:

- Make responsible financial decisions, like offering you an insurance product.

- Track, analyse and improve the services we provide you and other customers.

- Market and communicate our products and services and those of affiliated partners where we think these will be of interest to you. You can always unsubscribe from receiving these if you want to, by email.

- Search your record at credit reference agencies when you sign up (this is a 'soft search' and shouldn't impact your credit score).

- Search your record at No Claims Bonus databases and Claims databases.

- Search your record at fraud prevention agencies.

To meet our legal obligations. We use it to:

- Prevent illegal activities such as fraud and money laundering

With your permission. We use it to:

- Market and communicate our products and services and those of affiliated partners where we think these will be of interest to you by email. You can always unsubscribe from receiving these if you want to, by clicking 'unsubscribe' at the bottom of the email.

Who will we share your data with?

We may share your personal information with:

- Anyone who works for us when they need it to do their job

- Analytical, Know Your Customer (KYC) and cyber security providers.

- Fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If Fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found here.

- Third parties that carry out advertising services for us (but we won't share identifiable personal data with these third parties for their own marketing unless you give us permission, and you can opt out)

- Credit reference agencies (for information on how they use data please read the Credit Reference Agency Information Notice)

- Customer 'interface' providers (like the ones who manage our sites chat service)

- Anyone who you give us explicit permission to share it with

We'll also share it to comply with the law; to enforce our Terms and Conditions; or to protect the rights, property or safety of us, our customers or others.

Your Rights

You have a right to:

- Access the personal data we hold about you, or to get a copy of it.

- Make us correct inaccurate data.

- Ask us to delete, 'block' or suppress your data, though for legal reasons we might not always be able to do it.

- Object to us using your data for direct marketing and in certain circumstances ‘legitimate interests’, research and statistical reasons.

- Withdraw any consent you’ve previously given us.

To do so, please contact us by emailing help@marshmallow.com.

What we will not do

- We won’t share identifiable personal data with third parties for their direct marketing unless you give us permission.
- We will only keep your personal information for only as long as we need to. We’ll then delete it securely and safely.

Where we store your data

The data we collect from you is stored encrypted inside of the European Economic Area (“EEA”).

When we store your data we:
Use industry standard means of securing your personal information.
Encrypt your information when we send it over the internet.
We try to seek partners that also encrypt your information.

Cookie policy

Like most websites, we use cookies on the Marshmallow websites. Cookies are small text files used to store information on web browsers. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this policy, we refer to all of these technologies as “cookies.”

Cookies help to improve the Marshmallow website and give you a better experience. For example, they can help recognise you if you visit the Marshmallow website often and we can use them to understand how you use our website and understand how effective it is, including any advertising we show you. We use cookies to help us show ads to you about products, services and causes which we be think you would be interested in. For example, if you were exploring the Marshmallow website and looking at information about how we support foreign drivers with international licences, we could use cookies to show you advertisements about international licences rather than things that you may not be interested in.

If you wish to block cookies you can do this in your browser settings; the Help function within your browser should tell you how. Alternatively, just search ‘how to block cookies’.

How to make a complaint

If you have any questions about this Privacy Policy or want to make a complaint, please email us at help@marshmallow.com. If you're still not happy you can refer your complaint to the Financial Ombudsman Service. For more details you can visit their website at www.financial-ombudsman.org.uk.

Changes to this policy

Any material changes we make to our privacy notice in the future will be posted on this page and, if appropriate, sent to you by email.