Terms & Conditions

Last Updated: [INSERT DATE]

1. About Our Service

1.1 Who We Are

Company Name: [Your Legal Company Name]
Trading As: PetCover Hub
Company Number: [Your Companies House Number]
Registered Address: [Your registered business address]
Contact Email: [your email address]

1.2 What We Do

PetCover Hub is a lead generation service. We are NOT an insurance provider, insurance broker, or insurance intermediary.

Our service works as follows:

• You provide us with information about yourself and your pet
• We pass your information to insurance providers on our panel
• These providers may contact you to discuss pet insurance options
• You are free to choose whether to proceed with any provider

2. Using Our Service

2.1 Eligibility

To use our service, you must:

• Be at least 18 years old
• Be a UK resident
• Provide accurate and truthful information
• Have legal authority to provide the information submitted

2.2 Your Obligations

When using our service, you agree to:

• Provide complete and accurate information
• Not provide false, misleading, or fraudulent information
• Not use our service for any unlawful purpose
• Not attempt to harm, disable, or interfere with our website
• Comply with all applicable laws and regulations

2.3 Free Service

Our service is completely free to users. You will not be charged by PetCover Hub for:

• Submitting your information through our website
• Being contacted by insurance providers
• Receiving quotes or information from providers

Note: If you choose to purchase insurance from a provider who contacts you, you will enter into a separate contract with that provider and their charges will apply.

3. How Your Information is Used

3.1 Consent to Contact

By submitting your information, you consent to:

• Us sharing your details with insurance providers on our panel
• Being contacted by these providers via phone, email, SMS, or post
• Providers discussing pet insurance options with you

3.2 Insurance Provider Panel

We work with a panel of UK-based pet insurance providers. A full list of current providers is available on request by emailing [your email address].

Important: Each provider operates independently. Any quotes, advice, or insurance contracts will be between you and the provider directly. We are not responsible for their actions or the insurance products they offer.

3.3 Data Protection

We handle your personal data in accordance with UK GDPR and the Data Protection Act 2018. Full details are available in our Privacy Policy.

4. No Obligation & Your Rights

4.1 Opting Out

If you no longer wish to receive contact from providers, you can:

• Tell the provider directly when they contact you
• Email us at [your email address] to request removal from our system
• Follow the opt-out instructions in any emails you receive

5. Our Remuneration

5.1 How We Make Money

We may receive payment from insurance providers when we introduce customers to them. This payment may be:

• A fixed fee per lead submitted
• A commission if you purchase insurance
• A combination of both

This does not affect the price you pay. Insurance providers set their own prices regardless of whether you come through us or approach them directly.

6. Website Use

6.1 Intellectual Property

All content on petcoverhub.co.uk, including text, graphics, logos, images, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

You may not:

• Copy, reproduce, or redistribute our content without permission
• Use our brand, logo, or trademarks without authorization
• Scrape, harvest, or extract data from our website

6.2 Website Availability

We aim to keep our website available 24/7, but we do not guarantee:

• Uninterrupted access to the website
• Error-free operation
• Freedom from viruses or malicious code

We may suspend, withdraw, or restrict access to the website for maintenance, updates, or other reasons without notice.

7. Disclaimers & Limitations

7.1 No Insurance Advice

7.2 No Guarantee of Quotes

We cannot guarantee that:

• Providers will contact you
• You will receive quotes
• Quotes will be within any particular price range
• You will be accepted for insurance

7.3 Third-Party Providers

We are not responsible for:

• The actions, products, or services of insurance providers
• The accuracy of quotes or information provided by them
• Any contracts you enter into with providers
• Any disputes between you and providers
• The financial stability of any provider

7.4 Limitation of Liability

To the fullest extent permitted by law:

• We provide our service “as is” without warranties
• We are not liable for any loss or damage arising from your use of our service
• We are not liable for the actions of third-party providers
• Our total liability to you shall not exceed £100

Nothing in these terms excludes our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

8. Links to Other Websites

Our website may contain links to third-party websites, including insurance provider websites. We are not responsible for:

• The content of external websites
• The privacy practices of external websites
• Any transactions you conduct on external websites

We recommend reading the terms and privacy policies of any website you visit.

9. Complaints Procedure

9.1 How to Complain

If you’re unhappy with our service, please contact us:

9.2 Our Complaints Process

We will:

• Acknowledge your complaint within 3 working days
• Investigate your complaint thoroughly
• Provide a final response within 8 weeks
• Keep you informed of progress

9.3 Escalation

If you’re not satisfied with our response, you can escalate to:

10. Changes to These Terms

We may update these Terms & Conditions from time to time. Changes will be effective when posted on this page with an updated “Last Updated” date.

Significant changes will be notified via:

• A notice on our website
• Email (if we have your consent to contact you)

Your continued use of our service after changes are posted constitutes acceptance of the updated terms.

11. Termination

We reserve the right to:

• Refuse service to anyone for any lawful reason
• Remove your information from our system
• Block access to our website
• Terminate our service at any time

You may stop using our service at any time by emailing us to request removal from our system.

12. General Provisions

12.1 Entire Agreement

These Terms & Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and PetCover Hub.

12.2 Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

12.3 No Waiver

Our failure to enforce any right or provision of these terms does not constitute a waiver of that right or provision.

12.4 Assignment

We may assign or transfer our rights and obligations under these terms. You may not assign or transfer your rights without our written consent.

12.5 Governing Law

These Terms & Conditions are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact Information

If you have questions about these Terms & Conditions, please contact us:

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By using PetCover Hub, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

© [YEAR] PetCover Hub. All rights reserved.