Terms & Conditions

Pet Premium, Inc., NPN #17028173 (‘Agency,’ ‘we,’ ‘our,’ ‘us’)

Updated September 16, 2025

1. Eligibility & User Obligations

You must be at least 18 years old to use our services. By submitting information, you represent it is accurate and complete. You may not use our services if you are a competitor, or for any purpose other than obtaining quotes, applying for, or binding insurance. We may suspend or terminate access if information is inaccurate or incomplete.

2. Role of Agency

We are a licensed national insurance agency and act as agent of record. We do not underwrite or issue policies. All insurance decisions, including coverage, exclusions, and claims, are made by the issuing carrier. We provide quotes and facilitate applications and binding.

3. External Sites Disclaimer

Our website may redirect you to third-party sites (e.g., carriers, vendors, or service providers). We do not control or endorse their content and are not responsible for their practices. Their terms and privacy policies govern your use once you leave our site.

4. Communications & SMS Terms

By providing your contact information, you consent to receive communications from us regarding your insurance inquiry. This may include phone calls, emails, and SMS text messages. Message/data rates may apply. SMS may be unencrypted. Carriers are not liable for delayed or undelivered messages. You can opt out of texts by replying STOP and request to be on our internal Do Not Call list. Consent is not required as a condition of purchase.

By completing enrollment, you also consent to receive required policy documents and communications electronically, consistent with the Electronic Signatures in Global and National Commerce Act (‘E-SIGN Act’).

5. Proprietary Rights / Intellectual Property / DMCA

All trademarks, logos, service marks, and copyrighted materials are owned by us or our licensors. You may not use our intellectual property without written permission. We comply with the Digital Millennium Copyright Act (DMCA) and maintain a repeat infringer policy. If you believe your copyright has been infringed, contact us at help@petpremium.com.

6. Warranty Disclaimer & Limitation of Liability

Our services are provided ‘AS IS’ and ‘AS AVAILABLE.’ We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not warrant uninterrupted or error-free service. To the fullest extent permitted by law, our liability to you is limited to $100. You agree to indemnify and hold us harmless from claims arising from your use of our services.

7. Arbitration & Class Action Waiver

Any dispute arising from these Terms will be resolved exclusively by binding arbitration under the rules of the American Arbitration Association in Delaware. You waive the right to participate in a class action or representative action. Nothing herein prohibits us from seeking injunctive relief to protect intellectual property or confidential information.

8. Governing Law

These Terms are governed by the laws of Delaware, without regard to conflict-of-law principles. Any disputes not subject to arbitration shall be heard in the state or federal courts of Delaware, and you consent to jurisdiction there.

9. General Provisions

These Terms constitute the entire agreement between you and us regarding use of our services. If any provision is invalid, the remaining provisions remain in effect. Failure to enforce any term is not a waiver. You may not assign your rights without our consent. We are not liable for delays caused by events beyond our reasonable control.