Terms and Conditions

Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE.

These terms of use (together with our Privacy Policy) tell you the terms of use on which you may make use of our website mipetcover.co.uk (“our site”), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference. By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms of use, you must not use our site.

OTHER APPLICABLE TERMS
These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
• Our Cookie Policy, which sets out information about the cookies on our site.
• Our Acceptable Use Policy.

INFORMATION ABOUT US
mipetcover.co.uk is a site operated by CVS (UK) Limited (“We”). We are registered in England and Wales under company number 03777473 and have our registered office at CVS House, Owen Road, Diss, Norfolk IP22 4ER. This is also MiPet Cover main trading address.

CHANGES TO THESE TERMS
We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

CHANGES TO OUR SITE
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.

ACCESSING OUR SITE
Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate or available in other locations. We may limit the availability of our site or any service or product described on our site to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk.

YOUR ACCOUNT AND PASSWORD
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at admin@mipetcover.co.uk.

INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

NO RELIANCE ON INFORMATION
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

LIMITATION OF OUR LIABILITY
Nothing in these terms of use excludes or limits our liability for:

• For death or personal injury arising from our negligence;
• Our fraud or fraudulent misrepresentation;
• Or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• Use of, or inability to use, our site; or
• Use of, or reliance on any content displayed on our site.

If you are a business user, please note that in particular, we will not be liable for:

• Loss of profits, sales, business, or revenue;
• Business interruption;
• Loss of anticipated savings;
• Loss of business opportunity, goodwill or reputation; or
• Any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

VIRUSES
We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

LINKING TO OUR SITE
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link:

1. in such a way as to suggest any form of association, approval or endorsement on our part where none exists; and
2. to our site in or on any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.The website in which you are linking must comply in all respects with the content standards set out in our
Acceptable Use Policy.

THIRD PARTY LINKS AND RESOURCES IN OUR SITE
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources.

APPLICABLE LAW
If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction.

However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

CONTACT US
To contact us, please email admin@mipetcover.co.uk. Thank you for visiting our site.

Acceptable Use Policy

This acceptable use policy sets out the terms between you and us under which you may access our website mipetcover.co.uk (“our site”). This acceptable use policy applies to all users of, and visitors to, our site.

Your use of our site means that you accept, and agree to abide by, all the policies in this acceptable use policy, which supplement our terms of website use.

mipetcover.co.uk is a site operated by CVS (UK) Limited (“We”). We are registered in England and Wales under company number 03777473 and have our registered office at CVS House, Owen Road, Diss, Norfolk IP22 4ER. This is also MiPet Cover main trading address.

PROHIBITED USES
You may use our site only for lawful purposes. You may not use our site:

• In any way that breaches any applicable local, national or international law or regulation;
• In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
• For the purpose of harming or attempting to harm minors in any way;
• In any way that fails to comply with our Content Standards (as set out below);
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or
• To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

• Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use.
• Not to access without authority, interfere with, damage or disrupt:
  • Any part of our site;
  • Any equipment or network on which our site is stored;
  • Any software used in the provision of our site; or
  • Any equipment or network or software owned or used by any third party.

CONTENT STANDARDS

These content standards apply to any and all material which you contribute to our site (“contributions”), and to any interactive services associated with it.  You must comply with the following standards. The standards apply to each part of any contribution as well as to its whole.

Contributions must:

• Be accurate (where they state facts).
• Be genuinely held (where they state opinions).
• Comply with applicable law in the UK and in any country from which they are posted.

Contributions must not:

• Contain any material which is defamatory of any person.
• Contain any material which is obscene, offensive, hateful or inflammatory.
• Promote sexually explicit material.
• Promote violence.
• Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
• Infringe any copyright, database right or trade mark of any other person.
• Be likely to deceive any person.
• Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
• Promote any illegal activity.
• Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
• Be likely to harass, upset, embarrass, alarm or annoy any other person.
• Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
• Give the impression that they emanate from us, if this is not the case.
• Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

SUSPENSION AND TERMINATION
We will determine, at our discretion, whether there has been a breach of this acceptable use policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate.

Failure to comply with this acceptable use policy constitutes a material breach of the terms of use upon which you are permitted to use our site, and may result in our taking all or any of the following actions:

• Immediate, temporary or permanent withdrawal of your right to use our site.
• Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
• Issue of a warning to you.
• Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
• Further legal action against you.
• Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.

CHANGES TO THE ACCEPTABLE USE POLICY
We may revise this acceptable use policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our site.

Privacy Notice

At MiPet Cover, we are committed to protecting and respecting your personal information.

On our website, the data controller – the company responsible for protecting your information – is CVS UK Ltd.

HOW WE USE YOUR INFORMATION

We use your information for a couple of different reasons. The table below sets out what information is collected, our purpose and lawful basis (why we need to) in line with data protection legislation.

For all other services on our website, such as requesting/retrieving an insurance quote, calling any of the customer care telephone numbers and use of the live chat, Insurance Factory Ltd are the data controller. A copy of their privacy policy can be found here.

Personal information is also used for things like testing out IT systems, research, data analysis, improving our site and developing new products and services. Don’t worry though, this is all anonymised and aggregated so you aren’t identifiable.

SHARING YOUR INFORMATION

We want you to know that we do not, and will not, sell any of your information to a third party. This is of the utmost important to us in earning and maintaining your trust.

Your data will be shared with the following categories of companies in order to provide our service to you:

• Companies within the CVS group, as we have companies that undertake certain activities for us.
• Our marketing partner so that we can send digital communications to you.

For further information on the companies that we share personal information with, please contact us on the details below.

MARKETING COMMUNICATIONS

If you have said we can, we’ll send you marketing messages to keep you aware of what we’re up to and the latest news relevant to you and your pet.

If you no longer wish to receive them then you can unsubscribe via the following methods:

• Click the ‘unsubscribe’ link at the bottom of any marketing email communication that we send you.
• Email us and ask to be removed from our mailing list.

If you’ve asked us to stop sending any kind of marketing, please be patient so that we can update all of our systems so you may receive messages from us whilst we process your request.

If you decide to opt-out of marketing messages and you are a policyholder, please be aware that you will still receive ‘service communications’ from Insurance Factory Ltd.

WHERE YOUR DATA IS STORED

All of the personal information we process is stored in the UK. Therefore, we can guarantee that your data will be handled in accordance with the UK General Data Protection Regulation. It’s important for us to be transparent with you so if this were ever to change, this would be communicated with you appropriately.

HOW LONG WE KEEP YOUR INFORMATION

For marketing purposes, the decision is yours as to how long we retain your information. If you choose to opt-out we would only keep hold of the minimum amount of information required to ensure you no longer receive any communications from us.

If you submit information via the Contact Us page, depending on the content of your message, we would only retain your information for as long as it takes to respond to that query. The length of time would depend on any subsequent response from you.

YOUR RIGHTS

You have a number of rights relating to your personal information, these include:

• The right to be informed about how your personal information is used, a lot of which is within this notice.
• The right to access personal information we hold about you.
• The right to rectify personal information we hold about you if it is inaccurate or incomplete.
• The right to stop marketing messages, further information of which is above in the ‘Marketing communications’ section.

If you wish to exercise any of these rights, or have any questions please contact us via the contact details at the end of this notice. As a starting point, we have one calendar month to respond.

For further information about your rights, please visit the ICO website.

HOW TO CONTACT US

Customer feedback is essential in ensuring that we provide the best possible service to you. If you have any questions about this notice, want us to stop using your information or exercise any of your rights then please don’t hesitate to contact us via the following methods:

Post: Data Protection Officer, CVS House, Owen Road, Diss, Norfolk IP22 4ER

Email: dataprotection@cvsvets.com

Your right to complain

If you have any concerns about our use of your Personal Information, you can make a complaint to us via the contact details above.

You can also complain to the ICO if you are unhappy with how we have used your data. Our ICO Registration number is Z7208449.

The ICO’s address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF

Helpline number: 0303 123 1113

Website: https://www.ico.org.uk

CHANGES TO THIS NOTICE

We are consistently reviewing this notice to ensure you are kept up to date on how we are protecting your personal information.

If we make significant changes, we will make that clear on the MiPet Cover website or via email if necessary so that you are able to review the changes.

This notice was last updated on 26 January 2021

Cookie policy

Our website uses cookies to distinguish you from other users of our website. This enables us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site without changing your settings, you are agreeing to our use of cookies.Our website uses cookies to distinguish you from other users of our website. This enables us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site without changing your settings, you are agreeing to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive. By law, we are permitted to store cookies on your machine providing that they are essential to the operation of the site (“Strictly necessary cookies” as set out below), but for all other we need your permission to do so.

We use the following cookies:

• Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
• Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
• Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
• Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.