PLEASE READ THESE REFERRAL TERMS CAREFULLY
This “Agreement” (these referral terms on this page together with the documents referred to in it) sets out the terms which govern our referral programme (“Referral Programme”). Please read this Agreement carefully before you use our Referral Programme. By using our Referral Programme, you confirm that you accept this Agreement and that you agree to comply with it. If you do not agree to the terms of this Agreement, you must not use our Referral Programme. This Agreement applies whether you are an existing Marshmallow customer (“Advocate”) or a person that is introduced by an Advocate to purchase a Marshmallow insurance policy (“Friend”).
1. Referrals
1.1. Subject to your compliance with the terms of this Agreement, Marshmallow shall send you and your friend a reward as specified on the page https://www.marshmallow.com/refer-a-friend (“Referral Reward”). That page specifies rules including how many friends you need to invite, the amount of the Referral Reward you will be entitled to, and the conditions attached to the Referral Programme.
1.2. You may use the Referral Programme by sharing a link that is unique to each Advocate, is sent from us, and directs to a page (“Referral Link”) where a policy can be purchased and allows Marshmallow (“us”, “our”) to link the referring Advocate to the policy purchased.
1.3. If you are an Advocate, provided that you meet the requirements (as in force at that time) more than once, you are entitled to a Referral Reward each time you meet those requirements. If you make 5 or more qualifying referrals, we may review your account for suspected fraud or misuse before paying any further Referral Reward, and may withhold a Referral Reward as a result of that review. We may also disallow you from using the Referral Link to introduce new Friends and earn rewards from those introductions if you cease to be our customer, or all of your policies have been cancelled (whether cancelled by us or by yourself).
2. Referral Reward
For each Friend who has used a Referral Link to purchase a Marshmallow policy, we will send a Referral Reward to each of the Advocate and the Friend if, at the time we review the referral:
- the Friend generated their own quote and purchased it immediately using the Advocate’s Referral Link — not a saved quote, a different quote, or a quote obtained via a price comparison website;
- the Friend has not bought a policy with Marshmallow before;
- the Friend’s policy has been in place for at least 21 days from its start date, without being cancelled (by the Friend or by us) at any point up to the date of our review;
- the Advocate and the Friend both hold an active insurance policy with Marshmallow (that has started and not been cancelled);
- neither the Advocate nor the Friend owes us any money, including arrears or cancellation fees;
- neither the Advocate nor the Friend has an open claim, or has ever had an at-fault claim, with Marshmallow;
- the Advocate has never had a Marshmallow policy cancelled by us for fraud, underwriting reasons, or a serious breach of policy terms, at any point in the past;
- if we have requested any documents from the Advocate or the Friend, those documents have been uploaded and approved by our team.
We will not begin reviewing a referral, or pay any Referral Reward, before the Friend's policy has been in force for 21 days. Once that 21-day period has passed, we will review the referral and, where the Referral Reward is due, send it within 10 weeks of the Friend's policy start date. Whether the requirements above are met is assessed as at the date of that review, not only at the 21-day point itself.
We will not send a Referral Reward to the Advocate or the Friend if:
- the Friend referred currently has, or has had, a policy with us in the past (whether or not disclosed to us);
- the Advocate and the Friend are the same person, or the Advocate is referring themself;
- the Friend’s policy was purchased from a quote that was not generated via the Referral Link;
- the Advocate has ever had a Marshmallow policy cancelled by us for fraud, underwriting reasons, or a serious breach of policy terms;
- either the Advocate or the Friend falls into arrears on their payments for any Marshmallow insurance policy, or owes Marshmallow or its partners any money in connection with any of their Marshmallow insurance policies (including, but not limited to, cancellation fees), as at the date of our review.
An Advocate will lose any Referral Reward we have not yet sent them if their policy is not active at the time we review whether the requirements for the Referral Reward have been met.
3. Prohibited uses
3.1. You may only use our Referral Programme in good faith for lawful purposes. You may not:
(a) create more than one account in order to invite yourself;
(b) invite others that have purchased duplicate policies;
(c) use alternative contact information to refer yourself or others that have purchased duplicate policies;
(d) invite an existing customer of Marshmallow;
(e) invite fictitious persons;
(f) do anything that damages Marshmallow’s brand, goodwill or reputation;
(g) use the Referral Programme in: (i) any way that breaches any applicable local, national or international law or regulation; or (ii) any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
(h) transmit any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or
(i) transmit any unsolicited or unauthorised advertising, whether via paid search or any other similar activity, including channels that can damage the Marshmallow brand, goodwill or reputation.
3.2. Any obligation on you not to do something includes an obligation not to allow that thing to be done.
4. Identification documents
4.1. Marshmallow may require identification documents from you prior to sending you any reward related to a referral.
4.2. Marshmallow shall not be in breach of this Agreement (nor have any obligation to pay you any reward related to a referral) if you do not (in Marshmallow’s sole and absolute discretion) provide the identification documents requested by Marshmallow.
5. Data protection
You represent and warrant to us that you have obtained the express consent of the individuals whose data you provide to us.
6. Abuse of referral system
6.1. Marshmallow has the right to refuse to pay you the Referral Reward if (in its sole and absolute discretion) Marshmallow suspects that you have not used the Referral Programme in good faith or have breached this Agreement.
6.2. We will determine, in our sole and absolute discretion, whether there has been a breach of this Agreement. Where a breach has occurred, Marshmallow may take such action as we deem appropriate, including (but not limited to) refusing to pay any Referral Reward, terminating this Agreement, revoking your (or the relevant Friend's) access to the Referral Programme, and suspending the Referral Programme generally.
7. Limitation of liability
Marshmallow accepts no liability for any use of the Referral Programme which does not comply with this Agreement.
8. Changes to the agreement
We may revise this Agreement at any time by amending this page. Continued use of the Referral Programme shall amount to acceptance of the Agreement in force at that time.
9. Changes to the referral programme
Marshmallow reserves the right to:
(a) amend, alter or change the Referral Programme at any time, without notice; and
(b) terminate the Referral Programme at any time, without notice. If the Referral Programme is terminated, Marshmallow will not be obliged to give any person a Referral Reward that would have otherwise qualified for it.
10. Applicable law
10.1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
10.2. Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims).
11. Contact us
If you need any support, you can contact us here.
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