Terms of Service

1. Eligibility and Use of Services

You must be at least 18 years old and legally able to enter into a binding agreement to use our Services. By submitting information or requesting quotes, you represent that all information is truthful, accurate, and your own.

2. Insurance Services and Licensure

PetCoverage.ai operates as a licensed insurance agency in one or more U.S. states and facilitates the quoting and binding of pet insurance policies through licensed insurance carriers. We may assist you in selecting and applying for insurance coverage, but the final underwriting, pricing, and approval decisions rest with the insurance carrier.

3. No Guarantee of Coverage or Price

All insurance quotes provided via our platform are based on the information you supply and are non-binding estimates. Final premiums, terms, and eligibility are determined solely by the insurance carrier, not by PetCoverage.ai.

Coverage is not considered bound until confirmed in writing by the carrier and any required payments or documentation are received.

4. Information Collection and Sharing

By using our Services, you agree that we may:

• Collect and use your personal and pet-related information to generate insurance quotes
• Share your information with licensed insurance carriers, underwriting partners, and service providers to facilitate quotes, applications, and policy servicing
• Use your data to send follow-ups, educational content, promotional offers, or remarketing ads
• Retain and store your information in accordance with our Privacy Policy

By submitting your information, you authorize PetCoverage.ai, insurance carriers, and insurance partners to contact you directly by phone, text, or email as needed to assist with quotes, applications, or ongoing support.

5. Remarketing and Communications

We use cookies, tracking pixels, email marketing, and third-party advertising tools (e.g., Google Ads, Meta/Facebook Ads) to provide personalized content and remarketing.

You may opt out of marketing communications at any time by following the unsubscribe link in our emails or contacting support@petcoverage.ai.

5A. Cookies and Tracking Technologies

Our website uses cookies, tracking pixels, and similar technologies to:

• Analyze website traffic and usage
• Personalize user experience
• Support advertising and remarketing functions
• Improve the performance and security of our Services

By using our website, you consent to our use of cookies as described in our Cookie Policy. You may adjust your cookie preferences at any time via the "Cookie Settings" link in our footer.

6. User Conduct

You agree not to:

• Submit false or misleading information
• Misrepresent your identity or the identity of your pet
• Use our Services for any unlawful, abusive, or fraudulent activity
• Interfere with our technology, security, or network infrastructure

7. Intellectual Property

All content, software, branding, and documentation on PetCoverage.ai are protected by copyright, trademark, and other intellectual property laws. You may not reuse, copy, or distribute our content without prior written permission.

8. Disclaimer of Warranties

We provide our Services "as is" and "as available" without warranties of any kind. We make no guarantees about the completeness, timeliness, or accuracy of the content or quotes provided.

9. Limitation of Liability

To the fullest extent permitted by law, PetCoverage.ai shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, business interruption, or data loss arising from:

• Use of our Services
• Any quote, denial of coverage, or changes in insurance terms
• Technical failures or website downtime

10. Indemnification

You agree to indemnify and hold harmless PetCoverage.ai and its officers, agents, partners, and employees from any claims, liabilities, damages, or expenses arising from:

• Your violation of these Terms
• Your use of our Services
• Your submission of inaccurate or unlawful data

11. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of [Insert State]. Any legal action or dispute must be brought exclusively in the state or federal courts located in [Insert County], [Insert State].

12. Modifications to Terms

We may modify these Terms at any time. Updated versions will be posted on our website with the revised effective date. Continued use of our Services constitutes acceptance of the updated Terms.