Terms and Conditions

Effective April 29, 2024

PLEASE READ THESE TERMS AND CONDITIONS (“Terms”) BEFORE USING THIS SITE. By continuing to access or use Odie Pet Insurance Marketing, Inc’s (“Odie”) website, data, information, products, applications, or services (collectively “Services”), you acknowledge that you have read and understand these Terms and agree to be bound by them. Please read these terms carefully and keep a copy of them for your reference. If you do not accept or understand all of the Terms, do not access or use this site and cease your current access.

This website is an E-Commerce Site. The purpose of this website is to provide users with the ability to obtain pet insurance quotes as well as the ability to bind and manage a pet insurance policy, its billing and payments, and to submit claims or inquiries to the company. Odie will only provide users with ratings and policy information related to its own proprietary pet insurance program, which is managed by Norse Specialty Insurance Services, Inc. on behalf of PrimeOne Insurance Company and Trisura Insurance Company (both as “Company”).

1. Conditions of Service
   Your use of this website is also subject to our Privacy Policy, State Insurance Fraud Warnings, and Electronic Delivery Terms (“Additional Terms”). By continuing to access or use the Services, you acknowledge that you have read and understand these Additional Terms and agree to be bound by them as well.
2. As used in the Terms and Additional Terms, “Odie” refers to Odie Pet Insurance Marketing, Inc and Odie Pet Insurance Marketing, LLC either collectively or individually, as the case may be.

Odie does not knowingly collect, either online or offline, personal information from persons under the age of 18. You warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. Persons less than 18 years of age may not use this site and must leave immediately.

You further warrant that all information you provide about yourself, your pet, or your organization is true and complete information. You agree to promptly notify Odie of any changes in the information you provided about yourself or your organization or any other material changes that could impact your use of the Services.

We reserve the right to change these requirements based on regulatory considerations or as determined at our sole discretion.

You may be asked to sign certain documents related to your Odie policy, such as quotes, updates to your policy, transactions, or any document or electronic information delivered through the website. By “clicking” on the designated spaces in or related to such document, such as checking a box on the Odie website or engaging in a similar process, you are providing your electronic signature and shall be deemed to be “in writing and “signed” and delivered for all purposes by you.”Any record of such confirmation (including, without limitation, electronic records) shall be deemed to be “in writing” and bound to the Terms and Conditions. You further agree that you shall not contest the legally binding nature, validity, or enforceability of any document or confirmation based on the fact that it has been executed by “clicking” on the designated spaces and expressly waives any and all rights you may have to assert such a claim.

You further agree: (i) to comply with applicable U.S. federal, state, and local laws and regulations regarding the transmission of any information obtained from the Services; (ii) not to use the Services for false, fraudulent, or illegal purposes; (iii) not to use any device, software or similar technology that interferes or disrupts the operation of this site; and (iv) to comply with the authorized use of and entry into Odie’s systems and Services.

Your Account
You do not need to register with us to visit the site and access certain information. However, you will need to create an account to access certain insurance policy information. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Odie is not responsible for third-party access to your account that results from theft or misappropriation of your account. Odie and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content at our sole discretion.

Automatic Renewal/Account Billing
Your policy will automatically renew every year unless canceled prior to the renewal date. The credit card or payment method associated with your account at the time of renewal will be charged for amounts due on a recurring basis during the original and renewal terms. You may cancel your policy at any time by providing written notice via mail, fax, or email. For more information on cancellation and refund policies, please refer to your policy documents.

Cancellation/Refund Policy
Your policy will continue until canceled and will renew automatically every year as long as your premium payments are current. If you wish to cancel your insurance policy, you must notify us in writing via mail, fax, or email. Refer to your policy documents for more information.

30 day free look does not include all states. Exclusions apply. Refer to your policy documents for more information.

No Unlawful or Prohibited Use
You are granted a non-exclusive, non-transferable, revocable license to access and use this website strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Odie that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

Intellectual Property Ownership
This website, including but not limited to its trademarks, trade names, service marks, content, materials, designs, text, photographs, video, audio, and graphics (collectively “Content”), belongs to Odie or to other parties. No one is authorized to use or alter any of the Content in any manner without prior written permission from the owner of the Content. The Content is protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, adapted, displayed, reproduced, republished, uploaded, downloaded, posted, distributed, performed or otherwise used without the prior express permission of Odie. All Content, databases and other intellectual property rights associated with the Services, whether registered or unregistered, and related goodwill, are proprietary rights of Odie. Your use of and access to this site does not grant you a license or any right to use any of the Content.
Modification of any Content or materials displayed on the website or the use of any materials displayed for any other purpose is a violation of the copyrights and other proprietary rights of Odie and is prohibited.

Restrictions of Use
You agree to use the Services solely for your own personal use and benefit or for that of your organization. You may not use this site or the Services for any commercial, financial or other similar purpose without the prior written consent of Odie.  You may not sell, represent, or offer to sell the Services without the prior written consent of Odie.

Liability Disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. ODIE AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
ODIE AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. ODIE AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE STATE LAW, IN NO EVENT SHALL ODIE AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF ODIE OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Indemnification
You agree to indemnify, defend, and hold harmless Odie, its officers, directors, employees, agents, and third parties from and against any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) arising out of or related to your use of the Site or services, any user postings made by you, your violation of any terms of this Agreement, your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. Odie reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with Odie in asserting any available defenses.

No Legal or Medical Advice
Any information accessed on this website, including but not limited to insurance coverage details, policy information, and medical advice, is provided for informational purposes only and does not constitute legal, medical, or professional advice. Odie does not guarantee the accuracy, completeness, or reliability of any information provided on the website. Users are encouraged to seek advice from qualified professionals regarding any legal, medical, or other professional matters.

 Third-Party Services and Links
Odie may make branded services of third-party vendors available to you to help manage your risks (“Third-Party Services”). Although these Third-Party Services may be billed through Odie, Odie assumes no liability for the Third-Party Services or any disputes associated with any Third-Party Services.

Odie may provide, or third parties may provide, links to other websites or resources on the Internet. You acknowledge and agree that Odie is not responsible for the availability of such external websites or resources, and Odie does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources or for any privacy or other practices of the third parties operating those websites or resources. Should you access any links to the third-party sites from Odie, you do so at your own risk and subject to that third-party terms of use. Odie strongly encourages you to review any separate terms of use and privacy policies governing the use of any third-party websites and resources.

Applications Do Not Bind Insurance
Your submission of an insurance application through this website does not bind insurance coverage and does not obligate any insurance company to provide such coverage.  Your application and the information you provided may be used by Odie to provide you with an estimate of the terms, conditions, and costs of coverage.  Such a quote may require and be subject to the receipt of additional information or other conditions, and is subject to change.

Any coverage descriptions provided on our sites or assets are general descriptions and are not binding. To obtain pet insurance coverage, you may apply for coverage on our website.  All applications are subject to underwriting approvals, and coverage options may vary by state.

No Guarantee of Services.
Odie is constantly changing and improving its Services. We may add or remove functionalities or features, and we may suspend or stop a Service altogether. We may terminate, suspend, change, or restrict access to all or any part of the Services, in each case without notice or liability.

Odie also reserves the right to limit the availability of the Services or the provision of any Content to any person, organization, geographic area, or jurisdiction at any time and in its sole discretion. If you choose to access Odie sites or services, you do so on your own and are responsible for compliance with any applicable local, state, and federal laws and regulations.

Odie does not guarantee the performance of any third-party provider of Services.

User Generated Content and Social Media

By tagging any of your social media content (“the User Social Media Content) with an Odie hashtag, you agree to these terms which grants us and our partners a license to reproduce, display, perform, distribute, alter, and use the content in connection without sites and services, social media channels, platforms and promotional materials.

In addition, you grant Odie and its partners with right to use your username, real name, image, likeness, caption, location, and other identifying information in connection with any of the User Social Media Content.

Access Outside the United States
The Services are primarily intended for users located within the United States. If you access the Services from a location outside the United States, you are responsible for compliance with all local laws and regulations. Odie does not warrant that the Services are appropriate or available for use in other locations, and accessing the Services from territories where their contents are illegal is prohibited.

Termination/Access Restriction
Odie reserves the right to terminate your access to the Site Platform but not to the related services or the related insurance policy but will not be terminated without proper state regulatory notice required. This Agreement is governed by the laws of the State of Utah, except for any IL insureds with policies in IL, which will be governed by the State of Illinois. So, except as stated above for IL, you hereby consent to the exclusive jurisdiction and venue of courts in Utah in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Odie as a result of this Agreement or use of the Site. Odie’s performance of this Agreement is subject to existing laws and legal processes, and nothing contained in this Agreement is in derogation of Odie’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Odie with respect to such use. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

Unless otherwise specified herein, this Agreement constitutes the entire agreement between the user and Odie with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Odie with respect to the Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties that this Agreement and all related documents be written in English.

Arbitration
In the event of any dispute arising out of or concerning these Terms and Conditions or any provisions hereof, including but not limited to matters of contract, tort, or otherwise, both parties agree to resolve such disputes through arbitration. Arbitration shall be conducted in accordance with the Policy Conditions and/or any applicable Amendatory Endorsement filed and approved by each State. This agreement to arbitrate disputes shall preclude the parties from pursuing litigation in court. The arbitration proceedings shall be conducted on an individual basis, and class arbitrations and class/representative/collective actions are not permitted, except in the State of Illinois, where insured individuals retain the right to pursue legal action in court or join a class action lawsuit.

Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted, except in the State of Illinois, where insured individuals retain the right to pursue legal action in court or join a class action lawsuit. Both parties agree that any claims must be brought in their individual capacity and not as a plaintiff or class member in any putative class action or representative proceeding.

Entire Agreements and No Waiver
The Terms and Additional Terms (and any terms which are incorporated by reference herein or hereinafter implemented) constitute the entire agreement between you and Odie in connection with your use of the Services. The titles contained in the Terms are inserted only as a matter of convenience and have no legal or contractual effect. You agree that the Terms will not be construed against Odie by virtue of having drafted them.
The failure of Odie to enforce any of its rights or act with respect to a breach of the Terms by you or others does not constitute a waiver of any such rights and will not limit Odie’s rights with respect to such breach or any subsequent breaches. No waiver by Odie of any of the provisions in the Terms will be of any force or effect unless made in writing and signed by a duly authorized officer of Odie.

Official Correspondence
Official Correspondence may be sent to hello@odiepetinsurance.com or via postal mail to:
Odie Pet Insurance
Attn: Legal Department
16100 N 71^St Street

Scottsdale, AZ 85254

Modification of Terms
Odie reserves the right to change these Terms from time to time and at its sole discretion. The last time these Terms were revised is set forth below. Your continued use of Odie’s website after the last revision date indicates your acceptance of any revisions. Please review these terms regularly.