terms and conditions.

Terms and Conditions of Use:
Effective January 24, 2011

Veterinary Pet Insurance Company, its subsidiaries and affiliates (collectively "VPI"), gives you the ability to do more online at our
site(s) on the World Wide Web (the "Site"). You can use the Site for online access to your accounts, our product information, educational content, our services, and self-help tools ("Online Activities").

When you access the Site, you’re agreeing to these terms and conditions of use, plus any additional terms or conditions within the Site itself (collectively "Terms and Conditions"). The Terms and Conditions are in addition to any other agreements between you and VPI.

VPI reserves the right to modify or change the Terms and Conditions at any time without prior notice to you. Any modification or change shall be effective upon posting by VPI on the Site. You agree to be bound to any changes to these Terms and Conditions when you use the Site after any such change is posted.

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Disclaimer of warranties
Disclaimer of warranties
 

ALL INFORMATION AND OTHER MATERIALS PRESENT ON THE SITE ("CONTENT"), INCLUDING PRODUCTS AND SERVICES ARE PROVIDED "AS IS," WITHOUT ANY WARRANTIES ABOUT THE CONTENT'S NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME) AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES.

WITHOUT LIMITING THE ABOVE, VPI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY WITH REGARD TO ANY WEB SITE OWNED BY A THIRD PARTY TO WHICH OR FROM WHICH THE SITE IS LINKED ("LINKED WEB SITE"). VPI DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEB SITE.

THE INFORMATION, PRODUCTS, SOFTWARE OR SERVICE DESCRIPTIONS PUBLISHED ON THE SITE OR A LINKED WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. THE COMPANY DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE OR A LINKED WEB SITE IS UPDATED OR COMPLETE. VPI HAS NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITE AND MAY CHANGE OR IMPROVE THE SITE AT ANY TIME WITHOUT NOTICE.

VPI does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than VPI.

VPI makes no representations, warranties or guarantees that the Site will be accessible continuously and without interruption, or error free.


Limitation of liabilities
VPI’s Liabilities
 

IN NO EVENT WILL VPI ITS RESPECTIVE SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, DIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING ANY LOST PROFITS, COSTS OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY, EVEN IF YOU HAVE NOTIFIED VPI ABOUT THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIMS BY ANY THIRD PARTIES ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS, USE OR CONTENT OF THE SITE OR A LINKED WEB SITE WHETHER SUCH CLAIMS ARE BROUGHT UNDER ANY THEORY OF LAW OR EQUITY.

THIS LIMITATION ON LIABILITY INCLUDES TRANSMISSION OF VIRUSES THAT INFECTS A USER'S EQUIPMENT, MECHANIC OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE.

Your Liabilities
 

VPI has the right to deny you access and use of the Site and its Content if you violate (as VPI may determine in its sole and absolute discretion) any provision of the Terms and Conditions. VPI reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold VPI harmless from any claim or demand, including reasonable attorneys’ fees, made by a third party in connection with or arising out of your access to, or use of, the Site or any of its Content in a manner other than as expressly authorized by the Terms and Conditions, your breach of the Terms and Conditions, or your violation of applicable laws or any rights of a third party.


Your Privacy and Security on the Site
Personal Information
 

See our Privacy Policy for more information.

Updating Your Personal Information

You are responsible for telling VPI if you've changed your personal information, such as your name, telephone number, mailing address, e-mail address, or other personal information. You may update your personal information by using the Policyholder Portal or by contacting VPI Customer Service at 800-540-2016.

Spamming and solicitaion
 

You may not use any information obtained from the Site for spamming or solicitation.

Notice of Applicability to Children
 

The Site is not intended for children ages 13 and younger.


Using Electronic Signatures
Online Access
 

For some Online Activities, VPI permits "Online Access," which includes the ability to use a personal computer equipped with an active connection to an Internet Service Provider to access your VPI accounts and policies, and to perform certain transactions as available. You may register for Online Access via the Internet through VPI's Policyholder Portal.

In order to conduct some Online Activities, you agree to receive information applicable to your use of the Online Activities delivered to you electronically. These may include quotes, updates, notifications or other information that you request, transaction receipts, documents requiring your signature, or any other documents ("Communications"). Your consent does not mean that VPI must provide the Communications electronically; VPI may, at its option, provide the Communications through non-electronic means. As part of the Online Activities, many of these Communications are made available to you in non-electronic form. If you wish to withdraw your consent to receive information electronically through your use of the Online Activities, you may discontinue your use of the Online Access. If you have questions regarding Online Activities through the VPI Policyholder portal, including credit card transactions, please contact VPI Customer Service at: 800-540-2016

As part of the Online Activities, you may be given the option to sign certain Communications electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you are providing your electronic signature and agree to be bound by the terms and conditions in such Communication just as if you had signed your name to a paper document.

Your state may require insurance documents to be displayed in a particular font size. To ensure that Communications are displayed at the correct font size for your state, please make sure that the view size setting for the Communications is set to 100% and your browser resolution is 800 x 600.

System Requirements
 

To receive, access, and reply to applicable Communications you will need:

  • a personal computer or other access device with Internet access,
  • a web browser which is capable of supporting 128-bit SSL encryption,
  • software that lets you get and open Portable Document Format or "PDF" files, and
  • the ability to download or print agreements and disclosures.
System Requirements to Retain Information
 

To retain the Communications sent to you electronically for your records, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette), print PDF files, or print web pages and embedded HTML files. In some cases, you must print, complete, and sign Communications with a pen, and then return them to VPI according to the instructions on the document. To do this, you must have a functioning printer connected to your personal computer or other access device which is able to print Communications and the instructions on plain, white 8½ x 11 inch paper.


Intellectual Property, Trademarks, and Copyrights
Intellectual Property
 

Intellectual property is protected by copyrights, trademarks, service marks, international treaties or other proprietary rights and laws of the United States and other applicable countries. You agree to abide by all applicable proprietary rights and laws as well as any additional trademark or copyright notices or restrictions contained in the Terms and Conditions. The Terms and Conditions grant you no right, title or interest in VPI's intellectual property and create no relationship between you and VPI. You may address all inquiries concerning use of VPI's intellectual property to: VPI - Office of General Counsel, Intellectual Property Department, PO Box 2488, Brea, CA 92822.

Trademark Notice
 

The trademarks, service marks, slogans, logos, trade dress and other identifiers ("Marks") displayed on the Site are the property of VPI, unless otherwise disclosed. You are prohibited from using any Marks for any purpose including use on other materials, in presentations, as domain names, or as metatags, without the written permission of VPI.

The following are some of the most commonly used, federally registered service marks of VPI that may appear on the Site: VPI®, the dog/ cat logo with VPI Pet Insurance and logo alone, Veterinary Pet Insurance®, CareGuard®, Pet Parent's Day®, VPI Pet Healthzone® and That’s a Good Human®. Other Marks (whether registered or not), which are the property of VPI, also exist throughout the Site.

Copyright Notice
 

© 2011 Veterinary Pet Insurance Company. All rights reserved.

You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any Content available on or through the Site for commercial or public purposes, without the prior written permission of VPI.

Designated Agent (Digital Millennium Copyright Act)
 

If you think that a work protected by a United States copyright has been linked to, posted or stored on the Site without authorization, please contact the following agent designated to receive notification of claimed copyright infringement: VPI - Office of General Counsel, Intellectual Property Department, PO Box 2488, Brea, CA 92822.

License and Reproduction
 

Original materials of VPI posted on the Site are protected by intellectual property laws. You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, display and navigate the Site solely for your personal, non-public use. You are also granted a limited and revocable license to print copies of the Content, but solely for your personal, non-public use. Except as expressly provided above, all rights are reserved. Any commercial or public use of the Site or any of its Content is strictly prohibited without written permission from VPI.

Except as expressly provided above, no portion of the Site, its Contents or any copyright, trademark, trade name, service mark or any other proprietary information of VPI (collectively, the "Intellectual Property") displayed on the Site or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed, whether electronically, mechanically, by photocopy, recording or otherwise, without the prior written permission of the VPI. Use of any VPI trademarks as metatags on any third-party Web site is strictly prohibited. You may not co-brand the Site or display the Site in frames (or any of the Content via in-line links) without prior written permission from VPI. "Co-brand" means your display of any of the Intellectual Property, or your taking of other means of attribution or identification of VPI in such a manner reasonably likely to give a third party the impression that you or the third party has the right to display, publish or distribute the Site or any of its Content. You agree to cooperate with VPI in causing any unauthorized co-branding, framing or linking to immediately cease.

From time to time, VPI may authorize Linked Web Sites to or from the Site. Linked Web Sites are controlled and operated by third parties and not by VPI. VPI makes no representations and disclaims all liability as to the content or material available at those locations, the accuracy of information, and the quality of products or services provided or advertised on Linked Web Sites. The fact that VPI authorizes Linked Web Sites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Web Sites, its owners, sponsors, or providers.

Information about the Operation of the Site

VPI operates the Site from its offices within the United States. VPI does not represent that Content on the Site is appropriate or applicable for use in any other country, and access from certain countries other than the United States may be strictly prohibited. You acknowledge and agree that you are accessing the Site on your own initiative, at your own risk, and are responsible for compliance with all local laws. These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the State of CA. You consent to exclusive jurisdiction and venue in Orange County, CA and waive the defense of forum non conveniens.

Submissions of Unsolicited Ideas

VPI values your feedback; however, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via the Site. VPI requests this in order to avoid confusion in the future regarding the origin of the concept, product or service. If, despite our request that you not send us any creative materials, you still send us creative suggestions, ideas, concepts or other information (collectively, the "Information"), such Information will be deemed by VPI to be, and shall remain, the property of VPI. None of the Information will be subject to any obligation of confidence on the part of VPI and VPI will not be liable for any use or disclosure of any Information. Without limiting the foregoing, VPI will exclusively own all rights to the Information of every kind and nature and be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Visitor Submissions

All communications initiated by you (also defined here as a "Visitor") and made to or through portions of the Site that permit uploading of questions, comments or other material are hereby considered "Visitor Submissions".

If you submit material intended for display where technically permitted within the Site, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to VPI's Privacy Policy or otherwise injurious to VPI or third parties; and that will not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by VPI), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you are the individual identified by the address. If you wish to submit materials to the Site, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that may violate the legal right of any person or entity in any jurisdiction or locale. You may not submit materials that are or purport to be the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy.

Visitor Submissions become the property of VPI and you grant VPI a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as necessary and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you are also granting to VPI the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission.

Visitor Submissions used, displayed or propagated by VPI or others licensed by VPI to use Visitor Submissions may be attributed to you unless the visitor has expressly requested anonymity. VPI reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to VPI's sole discretion and judgment. VPI otherwise reserves the right to remove Visitor Submissions from the Site pursuant to it's discretion and judgment, but maintains no obligation to do so.

Visitors also agree to not redistribute, or reproduce elsewhere, Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with VPI.


Important Disclosures about VPI Products
Property and Casualty Insurance Products
 

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from VPI or VPI-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

Products underwritten by Veterinary Pet Insurance Company in CA and by National Casualty Company in all other states outside CA. Subject to underwriting guidelines, review, and approval. Products and discounts may not be available to all persons in all states.


Read More Information about this Agreement
Entire Agreement
 

Except to the extent otherwise set forth in the Terms and Conditions, these Terms and Conditions set forth the entire understanding between VPI and you with respect to your access to, and use of, the Site and its Content and supersedes all prior or contemporaneous understandings regarding access and use.

Severability
 

If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of the Terms and Conditions will remain in effect.

Waiver
 

Failure by VPI, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute waiver of such right or any other rights under the Terms and Conditions.

How to Contact VPI
 

VPI Pet Insurance
Attn: Customer Care
PO Box 2344
Brea, CA 92822-2344
1-800-540-2016

If you are in Canada, please contact Petsecure at www.petsecure.com

Insurance plans are offered and administered by Veterinary Pet Insurance Company in California and DVM Insurance Agency in all other states.