Privacy Policy

Effective Date: September 18th 2017. Updated August 3rd 2022

1. Introduction and Overview.

This Privacy Policy describes how Pets Rule LLC (the “Company”) collects, uses, and shares information about you and applies to your use of our website located at www.petinsurancereview.com and any online service location that posts a link to this Privacy Policy and all features, content, and other services that we own, control and make available through such online service location (collectively, the “Service”), including when you sign up for a newsletter, register for an account online or purchase products on the Service. If you do not provide us with certain information that we request, then we may not be able to provide you the services anticipated (for example, we may not be able to help you obtain pet insurance quotes or verify your review.) By using the Service, you agree to our Terms of Use and to our collection, use and disclosure practices, and other activities as described in this Privacy Policy. If you do not agree and consent, discontinue use of the Service.

2. Information Collection.

a) Information You Provide.

We and our Service Providers (defined below) may collect information you provide directly via the Service. For example, we and our Service Providers collect information from you in order to provide you with information you request from us or to verify you have submitted a review, to help you obtain pet insurance quotes and pet insurance and to process your requests.  We and our Service Providers may ask you to provide information when you submit a review, submit a comment on a review, request a pet insurance quote, sign up to receive our newsletters or sign up to receive offers from third parties.

The information we collect may include Personal Information. “Personal Information” is information that can be associated with a specific person and used to identify that person (whether alone or in combination), such as first and last name, postal address, e-mail address, telephone number, among other personally identifiable information.  We may also collect details about your pet, pet ailments, your views of your insurer and your insurance requirements.  Personal Information does not include information that has been “de-identified” so that it cannot reasonably be linked to a specific individual.
Personal Information once “de-identified” is not subject to this Privacy Policy and we and our Service Providers may treat it as non-Personal Information and use it without obligation to you except as prohibited by applicable law.

b) Information Collected Automatically.

We and our Service Providers may automatically collect certain information about you when you access or use the Service (“Usage Information”). Usage Information may include IP address, device identifier, browser type, operating system, data regarding network connected hardware, and information about your use of the Service. To the extent that we combine Usage Information with your Personal Information, we will treat the combined information as Personal Information under this Privacy Policy. The methods that may be used on the Service to collect Usage Information include:

Log Information: Log information is data about your use of the Service, such as IP address, browser type, internet service provider, referring/exit pages, operating system, date/time stamps, and related data, which is stored in log files.

Information Collected by Tracking Technologies: Cookies, web beacons (also known as “tracking pixels”), embedded scripts, location-identifying technologies, device fingerprinting, in-app tracking methods, and other tracking technologies now and hereafter developed (“Tracking Technologies”) may be used to collect information about your interactions with the Service or e-mails, including information about your browsing and activity behavior.

• Cookies
  A cookie is a small text file that is stored on a user’s device, which may be a session ID cookie or tracking cookie. Session cookies make it easier for you to navigate the Service and expire when you close your browser. Tracking cookies help in understanding how you use the Service, and remain longer. The Service may associate some or all of these types of cookies with your devices. Cookies may remain on your device for extended periods of time.
• Web Beacons (“Tracking Pixels”)
  Web beacons are small graphic images, also known as “internet tags” or “clear gifs,” embedded in web pages and e-mail messages. Web beacons may be used to count the number of visitors to the Service, to monitor how users navigate the Service, and to count content views.
• Embedded Scripts
  An embedded script is programming code designed to collect information about your interactions with the Service. It is temporarily downloaded onto your device from our web server or a third party with whom we work, is active only while you are connected to the Service, and deleted or deactivated thereafter.
• Location-identifying Technologies
  GPS (global positioning systems) software, geo-filtering, and other location-aware technologies locate (sometimes precisely) you for purposes such as verifying your location and delivering or restricting relevant content based on your location.
• Device Fingerprinting.  
  Device fingerprinting is the process of analyzing and combining sets of information elements from your device’s browser, such as JavaScript objects and installed fonts, in order to create a “fingerprint” of your device and uniquely identify your device and applications.

Some information about your use of the Service and certain Third Party Services (defined below) may be collected using Tracking Technologies across time and services and used by us and third parties for purposes such as to associate different devices you use, and deliver relevant ads and/or other content to you on the Service and certain Third Party Services.

For further information on Tracking Technologies and your choices regarding them, please see “Third Party Services, Features, and Devices” and “Your Rights and Choices” below.

c) Information from Other Sources.

We may obtain information about you from other sources, including Service Providers and Third Party Services, and combine such information with information we have collected about you. To the extent we combine such third party sourced information with Personal Information we have collected about you on the Service, we will treat the combined information as Personal Information under this Privacy Policy. We are not responsible for the accuracy of any information provided by third parties or third party policies or practices.

3. Use of Information.

We may use information about you or your pet, including Personal Information, for any purposes consistent with our statements under this Privacy Policy or as permitted by applicable law, including to:

• Manage our Service, including your registration and account;
• Provide you with our pet insurance quote services, which may require us to share such information with Insurance Providers (as defined below).
• Submit policy applications on your behalf
• Respond to your comments, questions, and requests, and provide customer service;
• Send you technical notices, updates, security alerts, information regarding changes to our policies, and support and administrative messages;
• Prevent and address fraud, breach of policies or terms, and threats or harm;
• Monitor and analyse trends, usage, and activities;
• Conduct research, including focus groups and surveys;
• Improve the Service or other Company websites, applications, marketing efforts, products and services;
• Send you an email if you have submitted a review asking you to confirm the review is from you;
• Send you advertisements and communicate with you regarding our and third party products, services, offers, promotions, rewards and events we think you may be interested in (for information about how to manage these communications and marketing efforts, please see “Your Rights and Choices” below); and
• Fulfil any other purpose disclosed at the time you provide Personal Information.

Our Right to Contact You

You authorize us to contact you with relation to our Service and products if you expressly provide us with your contact information in connection with our Service or the products or services offered through our Service.  This authorization is without regard to any “do not call” list registry.

4. Sharing of Information.

Our agents, vendors, consultants, and other service providers (collectively “Service Providers”) may receive, or be given access to your information, including Personal Information and Usage Information, and your pet’s information in connection with their work on our behalf. Except as otherwise set forth in this section, these Service Providers are prohibited from using your information, including Personal Information, for any purpose other than to provide this assistance, although we may permit them to use aggregate information which does not identify you or de-identified data for other purposes.

By submitting information to us, including Personal Information, when requesting a quote, you authorize us to provide that information and your pet’s information to various insurance agents, insurance companies and related third parties (“Insurance Providers”). The Insurance Providers may use your information, including your Personal Information, and your pet’s information to obtain consumer report(s) about you from a consumer credit reporting agency and may use the Personal Information in your consumer report(s) to provide you with quotes.  Those reports may include information concerning character, general reputation, personal characteristics, mode of living and driving record. We are not responsible for the privacy practices of the Insurance Providers with whom we share the information you provide to, and you should review the privacy policies and notices of those third party Insurance Providers.

The Insurance Providers may provide your information, including Personal Information, and your pet’s information to their vendors, suppliers and insurance carriers in order to generate price and other information relevant to insurance policies that you have requested, and the Insurance Providers may use the information to contact you directly about your inquiries regarding insurance products.

In addition to the foregoing kinds of information sharing, to the extent permitted by applicable law and regulation, we may share information about you or your pet for any purposes consistent with our statements under this Privacy Policy, including under the following circumstances:

• To comply with the law or other legal process, and where required, in response to lawful requests by law enforcement or other public authorities or subpoena, including to meet national security or law enforcement requirements; to protect the integrity of our company if we believe that a user has committed unlawful or otherwise harmful acts; or to protect our interests relating to a legal proceeding;
• To protect the rights, property, life, health, security and safety of us, the Service or any third party, or if we believe such disclosure is in your vital interest;
• In connection with, or during negotiations of, any proposed or actual merger, purchase, sale, consolidation with or any other type of acquisition or business combination of all or any portion of our assets, or transfer of all or a portion of our business to an affiliated entity or third party;
• With our affiliates for internal business purposes and other entities that operate websites for us;
• With our affiliates, business partners, and other third parties for their own business purposes, including audience profiling and direct marketing purposes (California residents have certain rights set forth in “Your California Privacy Rights”);
• For purposes disclosed at the time you provide Personal Information; and
• With your consent or at your direction.  For example, if you consent, we may send you newsletters featuring updates around our Service, or if you provide your consent, we may send you relevant third party offers by email.
• Without limiting the foregoing, in our sole discretion, we may share aggregated information which does not identify you or de-identified information about you or information obtained from public sources with third parties or affiliates for any purpose.

5. Sweepstakes, Contests, Promotions.

We may offer sweepstakes, contests, surveys, and other promotions (each, a “Promotion”) jointly sponsored or offered by third parties that may require submitting Personal Information. If you voluntarily choose to enter a Promotion, your Personal Information may be disclosed to third parties for administrative purposes and as required by law (e.g., on a winners list). By entering, you agree to the official rules that govern that Promotion, and may, except where prohibited by applicable law, allow the sponsor and/or other parties to use your name, voice and/or likeness in advertising or marketing materials.

6. Social Media

If you choose, you can interact with us via social media websites, plug-ins, or applications.  Your privacy settings on social media platforms determine the information made available to us when you engage via social media.  Please refer to the privacy statements, settings, and help guides of these social media platforms to learn more.

7. Third Party Services, Features, and Devices.

Our Service contains content from and hyperlinks to websites, locations, platforms, and services operated and owned by third parties (“Third Party Services”). In addition, our Service contains features that allow you to interact with, connect to, or access our Service through certain Third Party Services and third party devices (“Third Party Features”). For example, you use a Third Party Feature when you access an Insurance Provider through a hyperlink on our Service. Remember that third parties may use Tracking Technologies to independently collect information about you and may solicit Personal Information from you. Also, if you use a Third Party Feature, both we and the applicable third party may have access to and use information associated with your use of the Third Party Feature. If you publicly reference our Service on a Third Party Service (e.g., by using a hashtag associated with Company in a tweet or post), we may use your reference on or in connection with our Service.

Our Service also contains Tracking Technologies operated by third parties. For example, analytics services, such as Google Analytics, may use Tracking Technologies on our Service to help us analyze your use of the Service, compile statistic reports on the Service’s activity, and provide other services relating to Service activity and internet usage. Similarly, ad serving services, advertisers, and other third parties may use Tracking Technologies on our Service and Third Party Services to track your activities across time and services, and tailor ads to you based on your activities, which may include sending you an ad on a Third Party Service or third party device after you have left the Service (“Interest-based Advertising”).

We use Hotjar to learn more about how people use our Website, what works well and what needs improving.

You can get more information about Hotjar by visiting the ‘about Hotjar’ section of their support site. Hotjar uses cookies to assist Symphony Digital to provide users of our Website with a better experience and service by helping to diagnose technical problems and analyse user trends. Most importantly, through Hotjar’s services, the functionality of our Website can be improved, making it more user-friendly, more valuable, and simpler to use.

You may opt-out from having Hotjar collect your information when visiting our Website at any time by visiting Hotjar’s Opt-out page and clicking ‘Disable Hotjar’ or enabling Do Not Track (DNT) in your browser.

The information collected and stored by third parties, whether through our Service, a Third Party Service, a Third Party Feature, or a third party device, remains subject to their own policies and practices, including what information they share with us, your choices on their services and devices, and whether they store information in the U.S. or elsewhere. We are not responsible for and make no representations regarding third party policies and practices, and encourage you to familiarize yourself with and consult their privacy policies and terms of use. To the extent we combine information we receive from third parties with Personal Information we collect directly from you on the Service, we will treat the combined information as Personal Information under this Privacy Policy.

For further information on Tracking Technologies and your choices regarding them, please see “Information Collected Automatically” above and “Your Rights and Choices” below.

8. Your Rights and Choices.

a) Accessing Your Information.

You have the right to/may access, update, or remove certain account information that you have voluntarily submitted to us through the Service by sending an e-mail to us here. We may require additional information from you to allow us to confirm your identity. Please note that we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. California residents have additional rights set forth in “Your California Privacy Rights” below.

b) Tracking Technologies Generally.

Regular cookies may generally be disabled or removed by tools available as part of most commercial browsers, and in some instances blocked in the future by selecting certain settings.  Browsers offer different functionalities and options so you may need to set them separately. With respect to any future mobile apps, you can stop all collection of information via an app by uninstalling the app.  Also, you may be able to exercise specific privacy choices, such as enabling or disabling certain location-based services, by adjusting the permissions in your mobile device.

Please be aware that if you disable or remove Tracking Technologies some parts of the Service may not work and that when you revisit the Service your ability to limit browser-based Tracking Technologies is subject to your browser settings and limitations.

Your browser settings may allow you to automatically transmit a “Do Not Track” signal to online services you visit.  Note, however, there is no industry consensus as to what site and app operators should do with regard to these signals. Accordingly, we do not monitor or take action with respect to “Do Not Track” signals or other mechanisms.  For more information on “Do Not Track,” visit http://www.allaboutdnt.com.

c) Analytics and Advertising Tracking Technologies.

You may exercise choices regarding the use of cookies from Google Analytics by going to https://tools.google.com/dlpage/gaoptout or downloading the Google Analytics Opt-out Browser Add-on.

You may exercise choices regarding receipt of Interest-based Advertising by submitting opt outs.  Some of the advertisers and Service Providers that perform advertising-related services for us and our partners may participate in the Digital Advertising Alliance (“DAA”) Self-Regulatory Program for Online Behavioral Advertising. To learn more about how you can exercise certain choices regarding Interest-based Advertising, visit http://www.aboutads.info/choices, and http://www.aboutads.info/appchoices for information on the DAA’s opt out program for mobile apps.  Some of these companies may also be members of the Network Advertising Initiative (“NAI”). To learn more about the NAI and your opt out options for their members, see http://www.networkadvertising.org/choices/. Please be aware that, even if you are able to opt out of certain kinds of Interest-based Advertising, you may continue to receive other types of ads.  Opting out only means that those selected members should no longer deliver certain Interest-based Advertising to you, but does not mean you will no longer receive any targeted content and/or ads (e.g., from other ad networks). Company is not responsible for effectiveness of, or compliance with, any third-parties’ opt out options or programs or the accuracy of their statements regarding their programs.

d) Communications.

You can opt-out of receiving certain promotional communications (e-mails), from us at any time by following the instructions as provided in e-mails to click on the unsubscribe link, or contacting us here with the word UNSUBSCRIBE in the subject field of the e-mail;  Please note that your opt-out is limited to the e-mail address and device used and will not affect subsequent subscriptions or non-promotional communications, such as those about your account, transactions, servicing, or Company’s ongoing business relations.

e) Your California Privacy Rights.

In California the Company is registered with the Californian Dept of Insurance under the DBA PIR Insurance Services.

California’s “Shine the Light” law permits customers in California to request certain details about how certain types of their information are shared with third parties and, in some cases, affiliates, for those third parties’ and affiliates’ own direct marketing purposes. Under the law, a business should either provide California customers certain information upon request or permit California customers to opt in to, or opt out of, this type of sharing.

Company may share personal information as defined by California’s “Shine the Light” law with third parties and/or affiliates for such third parties’ and affiliates’ own direct marketing purposes. If you are a California resident and wish to obtain information about our compliance with this law, please e-mail us here or send us a letter to PetInsuranceReview c/o Pets Rule LLC, c/o 2732 S Madison St, Denver, CO 80210. Requests must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code. Please note that Company is not required to respond to requests made by means other than through the provided e-mail address or mail address.

Any California residents under the age of eighteen (18) who have registered to use the Service and posted content or information on the Service, can request that such information be removed from the Service by sending an e-mail to us here. Requests must state that the user personally posted such content or information and detail where the content or information is posted. We will make reasonable good faith efforts to remove the post from prospective public view.

9. Legal Requirements and Transfer of Company Ownership

We may use your personal or other sensitive information if we are required to do so or have a good faith belief that such action is necessary to comply with legal process served on us, in response to law enforcement authority or other governmental official requests, when necessary or appropriate to prevent physical harm or financial loss, or in the event that the Company is subject to merger or acquisition, to the new owner of the business.  Disclosure may also be required for company audits or to investigate a complaint or security threat.

10. Children.

The Service is intended for a general audience and not directed to children under thirteen (13) years of age. Company does not knowingly collect personal information as defined by the U.S. Children’s Privacy Protection Act (“COPPA”) in a manner that is not permitted by COPPA. If you are a parent or guardian and believe Company has collected such information in a manner not permitted by COPPA, please e-mail us here or send us a letter to PetInsuranceReview c/o Pets Rule LLC, 2732 S Madison St, Denver CO 80210 and we will remove such data to the extent required by COPPA.

11. Data Security.

We take reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. These measures include computer safeguards and secured files. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information collected through our Service.

12. International Transfer.

We are based in the U.S. and the information we and our Service Providers collect is governed by U.S. law.  If you are accessing the Service from outside of the U.S., please be aware that information collected through the Service may be transferred to, processed, stored and used in the U.S.  Data protection laws in the U.S. may be different from those of your country of residence. Your use of the Service or provision of any information therefore constitutes your consent to the transfer to and from, processing, usage, sharing and storage of your information, including Personal Information, in the U.S. as set forth in this Privacy Policy.

We may transfer certain personal or other sensitive information across geographical borders in connection with our Service. We may also store your personal or other sensitive information in a jurisdiction other than where you are based.  By providing personal or other sensitive information to us, you consent to this transfer, storage, and processing of data across borders.  We make all such transfers according to applicable law.

13. Changes to this Privacy Policy.

We reserve the right to revise and reissue this Privacy Policy at any time. Any changes will be effective immediately upon posting of the revised Privacy Policy. Your continued use of our Service indicates your consent to the Privacy Policy then posted. If the changes are material, we may provide you additional notice to your e-mail address.

14. Contact Us.

If you have any questions or comments about this policy, please e-mail us here or send us a letter to PetInsuranceReview c/o Pets Rule LLC, 2732 S Madison, Denver CO 80210.