Privacy Policy

At a glance

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You may already know

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When you download the Proton app and enable Location and Motion related permissions, we use telemetric data collected by your phone to measure your safe driving skills. This data allows us to offer better rates to better drivers.

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What you need to know

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We take protecting your data very seriously. This means we never sell your personally identifiable data (things like name, address, and driving license number). Sensitive information is stored in an encrypted environment and any sensitive information submitted to us or by us is sent securely using encryption.

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Privacy Policy

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This Privacy Policy describes the privacy practices of Marshmallow Tech Private Limited (“Proton”, “us”, “we”, or “our”), which operates the Proton insurance marketing business via its website (“Site”) and/or mobile applications (“App”). This Privacy Policy applies to information collected by the Site and the App, and is intended to give you a better understanding of how we use the personal data collected by our Site and App:

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• What information do we collect from you and why?

• How do we use your information?

• How do we store and share your information?

• Your Rights

• Other useful privacy and security related matters.

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By using the App, you consent to us accessing, processing and retaining any information you provide to us for the purposes of improving the performance of the offering through the Site and/or the App. We are committed to process your personal data as per the laws of your jurisdiction. If you feel that we are not abiding by this Privacy Policy, you should contact our Data Controller at compliance@proton.insure

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What information we collect?

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For users of our Site and App, we gather public and non-public personally identifiable information from you and from outside business partners for business purposes. This public and non-public personally identifiable information we collect from you may include your:

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• Name

• Phone Number

• Home and Email Addresses

• Driver License Number

• Emirates ID

• Mulkiya / Vehicle Registration Number

• Passport Details

• Visa

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Also, we maintain records that include, but are not limited to, insurance policy coverages, premiums, and payment history. We may also collect information from outside business partners which may include, but is not limited to, your driving record, claims history, and credit information.

Via our App, if you grant the relevant permissions, we will gather certain telemetric data from your smartphone’s sensors, such as accelerometer, GPS and gyroscope , and continue to monitor your device activity until you otherwise change your mobile permissions.

On our Site, we may use common tracking technologies like browser cookies, analytical tools, or other technologies. We may also collect certain technical information about the device you use to access our site or services, such as user-agent, timestamp, hardware type, language and time-zone settings, IP address, OS type and version, and installed fonts.

Additionally, the App and/or our business partners gather information through Internet activity, which may include, for example, your operating system, mobile device identification and/or advertising identification number, your phone carrier and interactions with other features within the mobile device while the App is installed.

We store this information in an encrypted environment.

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Also note that because the App incorporates Google Maps/Google Earth, you are also bound by the Google Maps/Google Earth Additional Terms of Service and Google Privacy Policy.

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How do we use your information?

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• The App gathers and combines data from the mobile device for the purpose of analysis and risk evaluation, as well as for premium/rate calculation and claims investigations.

• We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

• We collect information that you voluntarily give us via the sign-on process or other direct contact from you.

• We may use, share, disseminate, or sell aggregated, anonymized data of consumers. This aggregated, anonymized data cannot be reasonably traceable to any individual.

• We will use your information to respond to you regarding the reason you contacted us.

• Unless you ask us not to, we may contact you via email, regular mail, and via push notification in the App with promotions to tell you about specials, new products or services.

• Data collected by the app from your mobile device may be disclosed to third parties as required by law or regulation.

• Data collected by the app from your mobile device may be deemed discoverable by third parties and used in an accident investigation, claims, and/or litigation.

• Proton may be legally required to provide the data to others and ⁄or their legal counsel, and you should not expect to retain data privacy or confidentiality.

• At our discretion, telematics can be utilized in the maintenance of your policy, investigation of a claim, or for any other lawful purposes.

• We may provide certain information to insurance regulators to support rate or other insurance-related filings.

• We will share your information with business partners as required or permitted by law. For example, we may share your information to:

  1. Fulfil a transaction you requested or to service your insurance policy

  2. Market our products or in furtherance of our business relationship with a marketing partner

  3. Handle your claim

  4. Prevent fraud

  5. Comply with requests from regulatory and law enforcement authorities

  6. Participate in insurance support organizations

  7. Send you push notifications

• The persons or organizations with whom we may share your information may include, among others:

  1. Your insurance agent, insurance broker or affiliated companies

  2. Companies that perform services, such as marketing, credit/debit card processing, and communication services on our or our business partners' behalf

  3. Business partners that assist us with tracking driving behavior, scoring and usage

  4. Other financial institutions with whom we have a joint marketing agreement

  5. Other insurance companies that play a role in an insurance transaction with you

  6. Independent claims adjusters

  7. A business or businesses that conduct actuarial or research studies

  8. Those who request information pursuant to a subpoena or court order

  9. Repair shops and claims vendors

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How do we store and share your information?

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We store the data in the following locations: UAE

We undertake to implement technical and organizational safeguards to prevent against any unauthorized access, unauthorized disclosure, misuse or loss of data;

We may carry out automatic processing of your personal data for statistical and research purposes.

If we wish to use your personal data for a new purpose, not covered by this Policy, then we will provide you with a new revised Policy explaining this new use prior to commencing the processing and setting out the relevant purposes and processing conditions. Where and whenever necessary, we will seek your prior consent to the new processing, unless authorized by law.
 

Your Rights

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By having an insurance policy marketed via our Site or App, you give us your consent to contact you with communications relating to your policy and our services.

Where applicable, you are entitled to existence of the right to request from the Controller access to and rectification or erasure of Personal Data or restriction of processing concerning the User or to object to Processing as well as the right to data portability. These rights may be exercised by you writing to support@proton.insure.

Opt-out of marketing distribution. This can be done by following the unsubscribe link on any of the emails or by contacting us via support@proton.insure. Please note that if you do not unsubscribe from the emails you may continue to receive communications from Proton.
 

Data Retention

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Personal Data that is no longer required to be retained will be disposed off in a secure manner. Personal Data retained will be for as long as necessary to fulfil the purposes outlined in this Policy, unless a longer retention period is required or permitted by law.
 

Contact Us

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If you have any further questions please contact us at support@proton.insure or via the Proton mobile application.
If you are unhappy with how we safeguard your personal data, you have the right to bring a complaint to your local data protection authority.

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.