Malcolm
Legal

Terms of Service

Last updated: 23 February 2026

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of the services, website, and API provided by Malcolm Technologies Ltd (“Malcolm”, “we”, “us”, or “our”).

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you must not use our services.

2. Definitions

  • “Platform” means Malcolm's middleware API, dashboard, documentation, and related tools.
  • “Carrier” means an insurance company or underwriter that makes products available through the Platform.
  • “Partner” means a third party that integrates with the Platform to distribute insurance products via AI agents or other channels.
  • “User” or “you” means any individual or entity accessing or using the Platform.

3. Eligibility

To use our services, you must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or the organisation you represent. If you are accessing our services on behalf of a company, you represent that you have the authority to bind that company to these Terms.

4. Account registration

Certain features of the Platform require registration. You agree to provide accurate, complete, and current information and to keep your account credentials secure. You are responsible for all activity that occurs under your account.

You must notify us immediately at hello@trymalcolm.com if you suspect unauthorised access to your account.

5. Use of the Platform

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform in accordance with these Terms and any applicable documentation.

You agree not to:

  • Use the Platform for any unlawful purpose or in violation of any applicable regulations, including FCA rules.
  • Reverse engineer, decompile, or disassemble any part of the Platform.
  • Interfere with or disrupt the Platform or its infrastructure.
  • Attempt to gain unauthorised access to any part of the Platform or its systems.
  • Resell, sublicence, or redistribute access to the Platform without our prior written consent.
  • Use the Platform to transmit malware, spam, or other harmful content.

6. API usage

Access to the Malcolm API is subject to rate limits, usage quotas, and technical requirements as described in our documentation. We reserve the right to modify, suspend, or discontinue API access at any time with reasonable notice.

You are responsible for ensuring that your integration complies with all applicable laws, regulations, and the terms of any carrier agreements facilitated through the Platform.

7. Insurance products

Malcolm is not an insurance company, broker, or intermediary. We provide technology infrastructure that enables compliant distribution of insurance products. All insurance products available through the Platform are underwritten by authorised insurers.

We do not provide insurance advice. The availability, terms, and pricing of insurance products are determined solely by the relevant carriers.

8. Data and privacy

Our collection and use of personal data is governed by our Privacy Policy. By using the Platform, you acknowledge that you have read and understood our Privacy Policy.

Where you process personal data through the Platform on behalf of end users, you are responsible for ensuring that such processing complies with applicable data protection laws, including UK GDPR.

9. Intellectual property

All intellectual property rights in the Platform, including software, documentation, trademarks, and content, are owned by Malcolm Technologies Ltd or its licensors. Nothing in these Terms grants you any rights in our intellectual property except the limited licence described in Section 5.

You retain ownership of any data or content you submit through the Platform. You grant us a limited licence to use such data as necessary to provide the services.

10. Availability and support

We aim to maintain high availability of the Platform but do not guarantee uninterrupted access. We may perform scheduled maintenance with reasonable advance notice. We are not liable for any downtime or service interruptions.

11. Fees and payment

Fees for use of the Platform are set out in the applicable order form or pricing agreement between you and Malcolm. Unless otherwise agreed, fees are non-refundable and payable in accordance with the terms specified in the relevant agreement.

12. Limitation of liability

To the maximum extent permitted by law, Malcolm Technologies Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunity, arising out of or in connection with your use of the Platform.

Our total aggregate liability to you for any claims arising under these Terms shall not exceed the amount you paid to us in the twelve months preceding the claim.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

13. Indemnification

You agree to indemnify and hold harmless Malcolm Technologies Ltd and its directors, officers, and employees from any claims, losses, or damages arising from your use of the Platform, your breach of these Terms, or your violation of any applicable law or regulation.

14. Termination

Either party may terminate these Terms with 30 days' written notice. We may suspend or terminate your access immediately if you breach these Terms or if required by law or regulation.

Upon termination, your right to access the Platform ceases. Sections that by their nature should survive termination (including liability, indemnification, and intellectual property) will continue to apply.

15. Changes to these Terms

We may update these Terms from time to time. We will notify you of material changes by posting the revised Terms on this page with an updated “Last updated” date. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

16. Governing law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

17. Contact

For questions about these Terms, contact us at:

Malcolm Technologies Ltd
Email: hello@trymalcolm.com