• Information received from you either on-line, (such as through our website or our app) on the phone or by mail, fax or by any other means, such as your name, address, age, telephone number, social security number, assets, income, payment information or beneficiaries. It is possible that some of this information may be deemed to be “personal information,” which means data that can be used to identify you such as your name, address, Social Security number, e-mail address or telephone number.
• Information regarding your transactions with us and or our affiliates such as policy coverage, premium, and payment history.
• Information from a consumer reporting agency or veterinary medical provider such as your credit history or your pet’s medical records.
• When it comes to using our website or our app certain information may be collected from you automatically when you access and use the website or our app, including through cookies, web beacons, web server logs and other means. This information may include: your name, shipping address, billing address, e-mail address, telephone number or any other identifier that can be used on its own or with other information to identify, contact or locate you, usage data (such as the unique number of visitors we receive, what pages are visited most often, and the navigation preferences and characteristics of our visitors. The website and app may also access metadata and other information associated with other files stored on your device.

• Fetch will not disclose any personal information with respect to a client except as is necessary in order to provide products or services to that client or otherwise as may be required or permitted by law. Although unlikely, sometimes claims information may include medical or health-related information about human beings also referred to as Protected Health Information (“PHI”), which is regulated and protected under the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). As such, whether it is PHI claim information or Nonpublic Personal Information (“NPI”) or Personally Identifiable Information (“PII”), the use of such information may be regulated by HIPAA, the Gramm-Leach-Bliley Act (“GLBA”), the Fair Credit Reporting Act (“FCRA”) or other federal and state privacy and information security laws. In that case we may share such information only with entities that agree to protect the privacy and security of such data as required by law.
• Fetch may disclose non-public information about you to our affiliates in order to meet your needs and to provide you with information regarding products and services offered by our affiliates. Fetch affiliates include but are not limited to our insurance carrier, our actuarial consultants, and others with whom we have joint marketing agreements that help us market our products.
• The type of information Fetch may disclose about you to our affiliates includes but is not limited to, identification information, account balance information, payment history, your pet’s medical history and any other relevant information that you provide to Fetch on your enrollment form or through any other means. Our affiliates are bound by similar privacy policies to ours to ensure that your privacy is protected.
• Fetch does not disclose your non-public information to nonaffiliated third parties except as permitted or required by law or if authorized by you personally.
• By enrolling your pet in the Fetch program, you consent to our sharing of this information among our affiliates in order to offer you the best possible level of care.

• Fetch relies on the non-public information that you provide to offer you the best level of care available that is tailored to your needs. It allows Fetch to develop new products that better reflect your circumstances and to market those products to you in the most appropriate manner. We may also use information to offer you other products or services, to enhance and improve existing products or services, or to design new ones.
• Fetch uses your pet’s medical history for a number of reasons including, but not limited to, developing new products and services, supplying you with relevant medical research, administering your policy, processing your claims and underwriting your policy.

• Applications or other business information may be shared with business contacts such as insurers, business partners, program administrators, managing general agents, insurance producers, insurance brokers, actuaries, accountants, reinsurers and reinsurance brokers and legal counsel to facilitate Fetch’s business objectives. Regulators may also view applications or other business information in carrying out their regulatory responsibilities. Other information may be used in furtherance of Fetch’s routine business activities, including evaluating and underwriting policies, auditing, establishing pricing and other underwriting criteria, evaluating, processing, paying or rejecting claims, and other purposes authorized by law.
• The information that you provide to us is not sold to third-party data compilation services. From time to time, we may make the postal or e-mail addresses of our customers available to our affiliates whose products or services we think you might find interesting. If you do not want us to share this information, you are given the opportunity to decline, or you may contact us at unsubscribe@fetchpet.com to inform us that you do not want us to share your information in such a manner.
• For residents of California and Delaware, California Bus. & Prof. Code § 22575 and 6 Del.C. § 1205C seek disclosure of how the website responds to web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about their online activities over time and across third-party websites or online services. Although it is not clear that the statutes apply, we believe that an example might be a browser option allowing you to ask websites not to track you across third-party websites so that they can serve targeted or behavioral advertising to you. You should not use the website if you desire a “do not track” signal, because the website will not honor it.
• In addition to the above use, Fetch may share personal information with other companies or individuals outside of Fetch in the following limited circumstances: (a) to satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) to enforce applicable Terms and Conditions of Use, including investigation of potential violations thereof, (c) to fulfill the purpose for which you provide the information; (d) for any purpose disclosed by us when you provide the information; (e) to detect, prevent, or otherwise address fraud, security or technical issues, (f) to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets or business, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal and other information held by Fetch about our users is among the assets transferred; or (g) to protect against imminent harm to the rights, property or safety of its users, or the public as required or permitted by law.

• Fetch restricts access to your non-public personal information to Fetch employees and affiliates of Fetch, others who have a need to know that information in order to service a particular account or those that you have granted permission to receive such data through this policy or otherwise. Fetch also maintains physical, electronic and procedural safeguards in compliance with applicable laws and regulations to guard your personal information from unauthorized access, alteration or premature destruction.
• Important regulatory concerns tied to the Internet, system vulnerabilities, social engineering and the possibility of third-party negligence or malfeasance are all reasons why Fetch cannot guarantee that information will remain absolutely confidential at all times. Although we take precautions to secure your information and apply reasonable safeguards, your own secure best practices and that of any third-parties that you use are also essential to maintaining a secure environment. In addition, to the extent you provide or access information on Fetch’s systems through the use of a password, we encourage you to keep your password confidential and secure, as we cannot be responsible for acts resulting from the unauthorized use of your password or compromises to the security of your computers, networks or systems. The safety and security of your information also depends on you. We urge you to be careful about giving out information in public areas of the website. The information you share in public areas may be viewed by any user of the website.
• You have the right to review and correct your personal information in Fetch’s possession, except for information relating to a claim or criminal or civil proceeding. If you have any questions we encourage you to contact us and we will be happy to answer any privacy questions that you may have.

• This site is not intended for use by children. We do not knowingly solicit information from children nor do we knowingly market our products to children. If we learn that personal information of a child under the age of 13 has been collected, we will delete that information from our systems.

• This site was designed to provide you with helpful information about our company’s products. Information presented throughout the site is subject to policy terms conditions. In the unlikely event that there is any discrepancy between any information on this site and an actual insurance policy, the terms, conditions and limitations of our insurance policy will govern.
• Nothing on this website is intended or should be construed as a solicitation or offer to sell insurance products in any jurisdiction in which we are not properly licensed.

• Fetch has a number of security measures in place to ensure that your data is secure and encrypted. We use an industry standard SSL (Secure Socket Layer) encryption, to allow for the encryption of sensitive personal information such as name, address, credit card and bank account information you may be requested to provide online. If you are using a security-enabled web browser such as Microsoft Internet Explorer 2.0 or better, or Netscape Navigator 2.0 or better, the information you transmit to us is encrypted. Unfortunately, no data transmission over the Internet can be guaranteed to be totally secure. Although Fetch strives to protect your personal information, we cannot guarantee or warrant the security of any information you transmit to us or from our online products and services. These transmissions are undertaken at your own risk. Once we receive your personal information, however, we will endeavor to maintain its security on our systems.
• Fetch’s website undergoes daily website security tests through McAfee, a dedicated security technology company, and is a part of the Norton Secured Site Program, powered by Verisign, an identity and authentication security service. We want to make sure that your information is protected and that you are given the reassurance that every commercial effort is being made to make purchases through our website as safe as possible.
• Like many commercial Internet sites, the Fetch website uses “Cookies”. “Cookies” are files we place in your computer’s browser to store your preferences relating to our website, and to display information specific to you and may be used for targeted online advertising by Fetch and third party merchants on third party websites. To opt-out from our marketing platform’s persistent cookies click here. (please note that if you delete your cookies or switch to a different browser you will have to repeat this procedure). Use of the cookies by the marketing platforms is subject to their privacy policies. If you disable “cookies” on your browser, the site will not remember your preferences and you may not be able to access customized content that has been created for you. Additionally, you may have to manually enter promotional codes and other discount codes as they would have been automatically set as part of your customization. While the “cookie” file enables the site to label you as an individual user, “cookies”, operating exclusively, do not reveal to us your e-mail address or other personally identifiable information. Only you can provide that information to us on our website if you choose to do so, or if your browser preferences are set to do so automatically. “Cookies” help us to understand your usage of our website, so we can continually improve its usability. For example, we may use “cookies” to personalize your experience, if you elect for us to do so, by remembering your account username on a log-in page. During the period you are logged into our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain name, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site) and your activity while using our site.

• Fetch has established business relationships with third parties that allow visitors to link directly to sites operated by these third parties. Such links are provided solely for your convenience and are not maintained by or under the control of Fetch. We make no warranties or representations about other Web sites. We recommend that you read the privacy and security policies of these sites.

• If you have any questions after reading this privacy policy or would like further information please write to us at:
  ‍
  Privacy Administration
  Fetch Pet Insurance
  PO Box 1489
  Bolingbrook, IL 60440
  ‍
  Telephone: 1.866.467.3875
  

For the purposes of this Privacy Policy, and as provided by applicable privacy laws, personal information is any information about an identifiable individual, including information that, in combination with other available information, can be used to identify an individual (“Personal Information”).  Personal Information does not include aggregated information, or any Personal Information that has been de-identified through the removal of potentially identifying details, such that the data may not be identified with a particular individual.The types of Personal Information that Fetch may collect from or about you may include the following:

• Information received from you either on-line, (such as through our website or our app) on the phone or by mail, facsimile or by any other means, such as your name, postal address, e-mail address, age, telephone number, assets, income, payment information or beneficiaries.
• Information regarding your transactions with us and or our affiliates such as policy coverage, premium, and payment history.
• Information regarding your transactions with us and or our affiliates such as policy coverage, premium, and payment history.

When it comes to using our website or our app certain information may be collected from you directly (for example, your name, shipping address, billing address, e-mail address and telephone number). certain other information may be collected automatically as you access and use the website or our app, including through cookies, web beacons, web server logs and other means. This information, which may be tied to your device or IP address, but does not identify you by name, may include information about location, pages visited and other interactions with the site. This information may be used to direct you to the appropriate Fetch site for your jurisdiction, to record your preferences, and to generate aggregated statistics to allow us to better understand our users/customers, and the way that they interact with our websites and apps (such as the unique number of visitors we receive, what pages are visited most often, and the navigation preferences and characteristics of our visitors. The website and app may also access metadata and other information associated with other files stored on your device. Further details about these activities are set out below under Cookies and tracking technologies.

• Fetch will not provide any client personal information to a third party except as is necessary in order to provide products or services to that client, to operate our business more generally, or as otherwise may be required or permitted by law. Although unlikely, sometimes claims information may include medical or health-related information about human beings also referred to as Personal Health Information (“PHI”), which may be regulated and protected under applicable personal health information laws.
• Fetch may share Personal Information about you to certain third parties we have engaged to assist us in providing services to you and to operate our business, such as website hosts, data storage providers, program administrators, managing general agents, insurance producers, insurance brokers, reinsurers, actuaries, accountants and legal counsel. These parties have access to only the personal information required to provide the services for which they have been engaged, are required to use that information solely to provide the services in question, and are bound by similar privacy policies to ours to ensure that your privacy is protected. You can obtain more information about our policies and practices with respect to the use of Personal Information by third party service providers by contacting us through the means set out below under Contact Fetch.
• Fetch may share Personal Information about you to our affiliates in order to meet your needs and to provide you with information regarding products and services offered by our affiliates. Fetch affiliates include but are not limited to our insurance carrier, our actuarial consultants, and others with whom we have joint marketing agreements that help us market our products.
• Fetch may disclose your Personal Information where reasonably required in the context of a sale, merger, reorganization or amalgamation of all or part of our business or the insurance of securitization of our assets. In any such case, the recipient parties will be contractually required to keep the information confidential and use it only for the purposes of the transaction, or proposed transaction, in question. In the event a business transaction is completed, assignees or successors of our business or assets may use and disclose your Personal Information, as obtained from Fetch only for the purposes set out this Privacy Commitment, unless your further consent is obtained.
• Fetch does not otherwise disclose Personal Information to third parties for their own use and purposes, except with your consent, or as permitted or required by law, such as:
  - to government bodies and law enforcement agencies, pursuant to warrant, order or statutory requirement;
  - to detect, prevent, or otherwise address fraud, security or technical issues;
  in connection with any legal proceedings or prospective legal proceedings involving Fetch;
  - to enforce applicable Terms and Conditions of Use, including investigation of potential violations thereof;
  - to otherwise establish, exercise or defend our legal rights (including providing information to third parties for the purposes of fraud prevention and reducing insurance or credit risk), as permitted by law;
  - to protect against imminent harm to the rights, property or safety of its users.

• Fetch relies on the Personal Information that you provide to offer you the best level of care available that is tailored to your needs. It allows Fetch to develop new products that better reflect your circumstances and to market those products to you in the most appropriate manner. With your consent, or as otherwise provided by law, we may also use information to offer you other products or services, to enhance and improve existing products or services, or to design new ones.
• Personal Information may be used in furtherance of Fetch’s routine business activities, including evaluating and underwriting policies, auditing, establishing pricing and other underwriting criteria, evaluating, processing, paying or rejecting claims, and other purposes authorized by law.
• Fetch uses your personal information to communicate with you respecting your policy, including informational and account servicing matters, such as providing payment reminders and claims tracking information.
• Fetch uses your pet’s medical history for a number of reasons including, but not limited to, developing new products and services, supplying you with relevant medical research, administering your policy, processing your claims and underwriting your policy.

• Fetch restricts access to your Personal Information to Fetch employees and service providers who have a need to know that information in order to service a particular account or to third parties to whom you have granted permission to receive such data.
• Fetch also maintains physical, electronic and procedural safeguards designed to protect your personal information from loss or from unauthorized access, alteration, use, disclosure or  destruction.
• Important regulatory concerns tied to the Internet, system vulnerabilities, social engineering and the possibility of third-party negligence or malfeasance are all reasons why Fetch cannot guarantee that information will remain absolutely confidential at all times. Although we take precautions to secure your information and apply reasonable safeguards, your own secure best practices and that of any third-parties that you use are also essential to maintaining a secure environment. In addition, to the extent you provide or access information on Fetch’s systems through the use of a password, we encourage you to keep your password confidential and secure, as we cannot be responsible for acts resulting from the unauthorized use of your password or compromises to the security of your computers, networks or systems. The safety and security of your information also depends on you. We urge you to be careful about giving out information in public areas of the website. The information you share in public areas may be viewed by any user of the website.
• You have the right to review and correct your personal information in Fetch’s possession, except for information relating to a claim or criminal or civil proceeding. If you have any questions we encourage you to contact us and we will be happy to answer any privacy questions that you may have.

• This site is not intended for use by children. We do not knowingly solicit information from children nor do we knowingly market our products to children. If we learn that personal information of a child under the age of 13 has been collected, we will delete that information from our systems.

• Upon request, Fetch will provide you with access to the Personal Information about you that we hold, including information about how that information has been used and to whom it has been disclosed, except as provided by law. If we are unable to provide access to all the Personal Information that we hold about you, we will explain why we are unable to do so.
• You may request access to your Personal Information by making a request, in writing, to Fetch’s Privacy Administration, at the addresses provided under Contact Fetch. Note that, in an effort to prevent fraudulent or unauthorized requests for access, we may request identification for authentication purposes. We will generally respond to requests for access to Personal Information within 30 days.
• You may also make a subsequent request to Fetch’s Privacy Administration to correct any Personal Information that you feel is inaccurate or incomplete. You may also request the deletion of your Personal Information, subject to legal and contractual restrictions; however, please note that deletion of some information may impact our ability to provide you with certain services.

• When you quote or buy insurance on this site, we collect your e-mail address so that we can send you e-mails concerning your transactions with us, and other information we think you’ll find useful. Fetch will contact you only if you elect to be contacted. If you choose to receive e-mail messages, Fetch may periodically send you e-mail messages describing updates, new features or promotional offers related to this web site. If you do not wish to receive informational e-mails, the only e-mail messages you will receive from Fetch will be in response to e-mail inquiries that you send us or e-mails regarding policy administration.
• You may opt-out at any time from receiving SMS/text notifications respecting errors in processing your payments by replying “STOP” to any such message; however, please note that such messages are provided for your convenience, as declined payments may result in termination of your policy.
• At any time, you can “opt-out” of receiving direct mail and marketing material from Fetch and our affiliates, such as product and service updates, by contacting us, at the address set out below under Contact Fetch by following the instructions included in any e-mail marketing message that you may receive, or by simply replying   to such an e-mail message stating your request, and we will make the requested changes.
  Additional choices are listed below, under Cookies and tracking technologies.

• This site was designed to provide you with helpful information about our company’s products. Information presented throughout the site is subject to policy terms conditions. In the unlikely event that there is any discrepancy between any information on this site and an actual insurance policy, the terms, conditions and limitations of our insurance policy will govern.
• Nothing on this website is intended or should be construed as a solicitation or offer to sell insurance products in any jurisdiction in which we are not properly licensed.

• Like many commercial Internet sites, the Fetch website uses “Cookies”. Cookies are small text files stored on your device that identify your browser/device/IP address – but not you as an individual – to our computers each time you visit one of our websites. We place these in your computer’s browser to store your preferences relating to our website, and to display information specific to you.
• While a cookie file enables the site to identify you as a unique user, cookies, operating exclusively, do not reveal to us your e-mail address or other personally identifiable information. Only you can provide that information to us on our website if you choose to do so, or if your browser preferences are set to do so automatically. “Cookies” help us to understand your usage of our website, so we can continually improve its usability. For example, we may use “cookies” to personalize your experience, if you elect for us to do so, by remembering your account username on a log-in page.
• During the period you are logged into our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain name, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site) and your activity while using our site.
• You may set your Web browser to notify you when you receive a cookie or to not accept certain cookies (these controls are typically found in the privacy settings for your browser). Please note that this procedure must be repeated on each device or browser that you may use. You do not need to enable cookies to visit our websites; however, if you decide not to accept cookies when visiting one of our websites, you may not be able to take advantage of all of the features of that site. For example, the site will not remember your preferences and you may not be able to access customized content that has been created for you. Additionally, you may have to manually enter promotional codes and other discount codes as they would have been automatically set as part of your customization.
• Cookies may also be used for targeted online advertising by Fetch and third-party merchants on third-party websites. We work with third-parties such as ad networks and other advertising companies that use their own tracking technologies (including cookies and pixel tags) on our websites and apps and other websites and apps in order to provide you with tailored advertisements on our behalf on third party websites across the Internet. These companies may collect information about your activity across your different devices on our websites and apps and third-party websites and apps (such as web pages you visit and your interaction with our advertising and other communications) and use this information to make predictions about your preferences, develop personalized content and deliver ads that are more relevant to you on third party websites and apps. This information may also be used to evaluate our online advertising campaigns.
• To opt-out of receiving online behavioural advertising from third party advertising companies who collect data on our websites, please click on the AdChoices icon located in the top righthand corner of any of our websites. For more information about interest-based advertising on your desktop or mobile browser and to understand your options, including how you can opt-out of receiving behavioural ads from third-party advertising companies participating in the DAAC, please visit the Digital Advertising Alliance of Canada website at http://youradchoices.ca/choices. To learn more about interest-based advertising in mobile apps and to opt out of this type of advertising by third-party advertising companies that participate in the DAAC’s AppChoices tool, please download the version of AppChoices for your device at https://youradchoices.ca/appchoices/.
• Please note that even if you opt-out of interest-based advertising by a third party, these tracking technologies may still collect data for other purposes, including to produce aggregated website analytics, and you may still see ads from us; however, the ads will not be targeted based on behavioural information about you, and may therefore be less relevant to you and your interests.
• To ensure you receive our e-mails, we (or our service provider) may include in our email messages small transparent graphic images  that allow us to record simple user actions related to our websites  and to email communications received from us, to help us determine the usage and effectiveness of our site and communications. These “images” are automatically loaded to your browser/device when you visit the website or open an html format email message from us, thereby letting us know if a certain page was visited or an email message was opened. This technology allows us to understand which pages you visit on our websites, which email messages were opened by you, which links you may have clicked on, and may also indicate whether your e-mail application supports graphics. These tracer tags are used to help us optimize and tailor our websites for you and future visitors as well as to optimize the format of the messages that we send to you.

• Fetch has established business relationships with third parties that allow visitors to link directly to sites operated by these third parties. Such links are provided solely for your convenience and are not maintained by or under the control of Fetch. We make no warranties or representations about other Web sites. We recommend that you read the privacy and security policies of these sites.

• If you have any questions after reading this privacy policy, would like further information about our privacy practices or would like to obtain access to the Personal Information we may hold about you or opt-out of any uses of your Personal Information, please write to us at: 
  
  Privacy Administration Fetch Pet Insurance
  PO Box 1489
  Bolingbrook, IL 60440
  ‍
  Telephone: 1.866.467.3875