This Terms and Conditions were last updated on July 10, 2024
These Terms and Conditions apply to your use of this Site and our App. Your use of this Site is expressly conditioned on your acceptance of these Terms and Conditions. If you do not agree with any part of the Terms and Conditions, you must not use this Site.
Pet Business International is a registered series of Mission Underwriting Managers, LLC (“Pet Business International,” “we,” “us,” or “our”). Pet Business International reserves the right to modify these Terms and Conditions at any time. Continued use of this Site by you will constitute your acceptance of any revisions to the Terms and Conditions. Please check this page regularly. “Site” means. https://www.petbusinessinternational.com/.
Privacy
Please review our Privacy Policy, (link to privacy policy) which also governs your visit to this Site.
Personal Use Only
You will use the Site only for your personal, noncommercial use unless you and Pet Business International have agreed otherwise in writing. Use in connection with policies or accounts with Pet Business International in the name of your business are considered personal use.
Electronic Mail
You may not send electronic mail to us that is illegal, obscene, profane, threatening, defamatory, invasive of privacy, infringing of intellectual property rights; or contains harmful code, political campaigning, commercial solicitation, chain letters, or mass mailings; or violates any applicable law, including but not limited to the CAN-SPAM Act.
Access
You may not use this Site in any manner that could damage or overburden any Pet Business International equipment or software. You may not obtain, or attempt to obtain, access to any material or information on this Site that is protected by passwords, PIN or required login identification through any means not expressly authorized by Pet Business International. You may not use the login information of another person unless they specifically authorized you to do so.
False Information
You may not intentionally provide any false information when you register for this Site, apply for products or services from Pet Business International, post comments on this Site or on Pet Business International-sponsored web pages, or when completing your profile.
Links
You agree to obtain our permission before creating a hyperlink or similar link or connection to this Site.
Endorsements
You may not use Pet Business International's name or trademarks in any way that implies affiliation with, or an endorsement, sponsorship, roval by Pet Business International without express written permission.
Third-Party Sites
This Site may contain links to other Internet web sites ("Third-party Sites") that are not maintained by Pet Business International. These links are provided solely for your convenience. Pet Business International makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party web sites. We recommend that you take the time to read the privacy policies and user agreements of these web sites.
Password Registration
Access to account information through the Site is restricted and requires a user identification code ("User ID") and a password for access. Unauthorized use of or access is strictly prohibited.
In accessing the Site requiring a User ID and password, you agree that:
- Pet Business International is entitled to act on instructions received under your User ID and password.
- Pet Business International is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Pet Business International.
- You will keep your password confidential, and you will notify Pet Business International immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
- Pet Business International may block access to the Site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.
Geographic Location Identification
When you visit the Site, we are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.
Postings
Posting a comment on this Site or on Pet Business International-sponsored message boards, discussion forums or other interactive content on third party sites, you agree that Pet Business International may publish your comment in whole, or in part. Pet Business International does not agree to post all comments received. Pet Business International reserves the right to remove or modify any posting that is false, offensive, violates any law or the rights of third parties, violates these Terms and Conditions, or is defamatory or duplicative.
Pet Business International reserves the right to reveal your identity and the content of your original and posted submissions in response to legal action by any party, or in response to a request by governmental authority, or in defense of Pet Business International.
Pet Business International retains ownership of all postings submitted on this Site , except when copyrighted material is posted.
Unsolicited Submissions
Unless otherwise stated, Pet Business International does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of its services and products. Any such postings to this Site and electronic mail delivered to Pet Business International will be considered non-confidential and non-proprietary, and will remain, the exclusive property of Pet Business International. Pet Business International may copy, disclose, distribute, incorporate, and otherwise use the item and any information contained therein for any purpose without compensation. Personal information transmitted to us will be treated in accordance with the Pet Business International Privacy Policy.
Copyright
This entire Site is the copyrighted work of Pet Business International. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form.
Permission is hereby granted to use, copy, and distribute these materials as presented in this Site without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
Except as expressly provided herein, you shall not use any portion of this Site, or any other intellectual property of Pet Business International on any other Site, App, in the source code of any other web site, app, or in any other printed or electronic materials.
Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Site's content or frame this Site within any other web site without our prior written permission. Systematic retrieval of data or other content from this Site to create or compile, directly or indirectly, a collection, compilation, database, or directory, without prior written permission from Pet Business International, is prohibited.
Trademarks
By providing content, we do not allow you to use trademarks referenced in this Site. You may not use any meta tags or any other 'hidden text' using Pet Business International's name or trademarks without the express written consent of Pet Business International. The trademarks, logos, and service marks (“Marks”) displayed on the Site are the property of Pet Business International or other parties. Users are prohibited from using any Marks without the written permission of Pet Business International or the third party that owns the Marks.
Copyright Infringement Claims
It is our policy to respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act. If you believe that any material contained on this Site may infringe on your copyright, notice must be given in writing of the following: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the allegedly infringing material; (c) information sufficient to permit Pet Business International to locate the infringing material; (d) a statement that the complaining party has a good faith belief that use of the material is not authorized or permissible by law; and (e) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner, agent, or licensee. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by Pet Business International. Written notice must be sent to: Pet Business International, Mission Underwriting Holdings, LLC, 100 North Point Center E Suites 125 & 200 (rm 267), Alpharetta, GA 30022.
Disclaimer of Warranty
The content and materials in this Site are provided "as is" and without representations or warranties of any kind, either express or implied. To the fullest extent permitted by law, Pet Business International expressly disclaims all warranties, express or implied, with respect to this Site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Pet Business International does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers, or any e-mail sent from Pet Business International are free of viruses or other harmful components. Limitation of Liability
To the fullest extent permitted by law, Pet Business International shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this Site or content found in this Site , or (b) unless resulting from the gross negligence or intentional actions of Pet Business International, the unauthorized access to or alteration of your transmissions or data, even if Pet Business International has been advised of the possibility of such damages.
General Fraud Warning
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
The fraud warnings listed below are applicable in the states of AL, AK, AZ, AR, CA, CO, DE, DC, FL, ID, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, and WV. Please review the appropriate fraud warning relevant to the state that you reside in prior to submitting your claim.
Alabama: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.
Alaska: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.
Arizona: For your protection Arizona law requires the following statement to appear on this form: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.
Arkansas: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
California: For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
Colorado: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
Delaware: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.
District of Columbia: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
Idaho: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
Indiana: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.
Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.
Louisiana: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Maine: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.
Maryland: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Minnesota: A person who files a claim with intent to defraud, or helps commit a fraud against an insurer, is guilty of a crime.
New Hampshire: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.
New Jersey: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.
New Mexico: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.
New York: APPLICABLE TO AUTO CLAIMS – Any person who knowingly and with intent to defraud any insurance company or other person files an application for commercial insurance or a statement of claim for any commercial or personal insurance benefits containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, and any person who, in connection with such application or claim, who knowingly makes or knowingly assists, abets, solicits, or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation.
New York: APPLICABLE TO HOME CLAIMS – Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.
Ohio: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
Oklahoma: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
Oregon: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.
Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
Rhode Island: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Tennessee: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
Texas: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
Virginia: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
Washington: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.
West Virginia: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Conflicts
In the event of a conflict between these Terms and Conditions and your Policy the Policy shall control.
Jurisdiction / Enforceability
Use of this site shall be governed by and construed in accordance with the laws of the State of Delaware without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in New Castle County, Delaware.
Should any provision of these Terms and Conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.
Contact us
If you have any questions about this Privacy Policy or any of the practices described herein, please contact us by email at sales@petbusinessinternational.com.