PetPremium Privacy Policy

PetPremium, INC.

Effective Date: September 16, 2025

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

We are a licensed national insurance agency and act as agent of record for pet insurance carriers. We do not underwrite or issue policies; policies are owned and administered by the issuing carrier. This Privacy Policy explains what personal information we collect, how we use and share it, your privacy rights, and how to contact us. Not a sale of data: We do not sell personal information for money. We may share limited personal information with select marketing partners and with carriers to fulfill quotes, applications, and policy binding. Where applicable privacy laws treat some advertising or disclosures as a ‘sale’ or ‘share,’ you can opt out.

Use of our services is also subject to our Terms & Conditions, which govern your use of the site, disclaim warranties, limit liability, and include dispute resolution terms. By using our services, you agree to both this Privacy Policy and the Terms & Conditions.

1) California 'Notice at Collection'

We collect categories of personal information including identifiers, customer records, commercial information, internet activity, geolocation, and sensitive personal information (such as payment card tokens). We use this data for quotes, applications, billing, fraud prevention, and compliance. We do not sell personal information for money, but may share it for digital advertising (you can opt out).

2) What We Collect and From Whom

3) Why We Use Personal Information (Purposes)

We use information for quotes, policy binding, payments, communications, security, compliance, analytics, operations, and legal obligations. We also use your information to provide policy documents and legally required communications electronically, unless you request paper copies where available.

4) How We Share Personal Information

We share information with carriers, service providers, marketing partners (opt-out available), legal/regulatory bodies, and in business transfers. We do not disclose full card numbers or CVV.

5) Cookies, Analytics, and Advertising

We use cookies and similar technologies for essential services, analytics, and advertising. Where required by law, we obtain consent through a banner.

6) Your Privacy Choices & Rights

You can unsubscribe from emails, opt-out of texts by replying STOP, request to be on our Do Not Call list, and manage advertising preferences. We honor Global Privacy Control (GPC).

7) U.S. State Privacy Rights Notice

Depending on your state, you may have rights such as access, correction, deletion, portability, opt-out of sale/sharing, opt-out of profiling, and limiting use of sensitive data. We provide a webform, email, and toll-free number for requests.

8) Children’s Data

Our services are not directed to children under 13. We do not knowingly collect their information without parental consent. We do not sell/share information of minors under 16.

9) Financial/Insurance Privacy & GLBA/State Insurance Carve-Out

Some data handling falls under the Gramm-Leach-Bliley Act (GLBA) and state insurance laws, which exempt certain processing from CPRA and other privacy laws.

10) Data Security

We implement administrative, technical, and physical safeguards, including encryption and PCI-DSS compliant processing. No system is 100% secure.

11) Data Retention

Quote leads: up to 3 years; customer policy records: 7 years; cookies/analytics: 2 years. Retention may be extended by law or litigation hold.

12) International Users

We operate in the United States. By accessing from outside the U.S., you consent to data transfer and processing in the U.S.

13) Third-Party Links and Carriers

Our site links to carriers and third-party providers whose practices are governed by their policies. Review them before sharing data.

14) Communications: Email, Phone, and SMS

We send transactional and marketing emails (opt-out anytime), calls (Do Not Call list available), and SMS with consent (STOP to opt out). Marketing texts and promotional emails are only sent with your explicit opt-in consent, which is separate from the consent required to complete enrollment.

15) Changes to this Policy

We may update this policy with a new effective date and will notify you where legally required.

16) Contact Us

Pet Insurance, Inc. (NPN #17028173) 1065 SW 8th St STE 1685 • Miami, FL 33130 Email: compliance@p3t.vet