Terms of Use

Welcome to Wishbone, a proud brand of Synergy Pet Group, the only national brokerage focused exclusively on pet employee benefits. For over 25 years, we've been dedicated to making quality pet care accessible to all pet families across the nation.

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At Synergy Pet Group, we believe that you and your pets deserve more than just legalese. Yes, we have our legal terms (and we do encourage you to read them), but we want to ensure that you comprehend them. These Terms of Use aren't just a set of rules; they embody the core values of our company, outlining how we conduct business and adhere to the laws governing our operations.

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Here is a summary of the Terms of Use without all the legal jargon:

By accessing our Website and/or App, you acknowledge and agree to these terms. This serves as a mutual understanding between you and us, as well as a legal contract.
The content you access via our Website and/or App belongs to us. Please don’t copy or steal it.
You're in charge of making sure the stuff you share with us is accurate, reliable, and, of course, legal.
All information communicated through the Website and/or App is subject to our Privacy Policy and associated disclosures to maintain transparency.
We aren’t perfect. Sometimes our Website and/or App may not work how you or we want, but we’ll work to address any issues as they arise.
We might change these Terms from time to time, but if you keep using the Website and/or App, it means you accept the updated Terms.
Remember, it's on you to check out the latest version of the Terms when you access the Website and/or App. If you're not on board with them or not happy with what we're doing, you should stop using the Website and/or App.

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‍Have any questions?Please send them to us via our Contact Us form on our website at https://www.wishbone.pet/contact.

Acceptance of the Terms of Use

These Terms of Use (“Terms”), govern your use of our website located at https://www.wishbone.pet/, our mobile application (“App”) and the websites, products, plans, services, tools, features, and content made available through the Wishbone platform (collectively, the "Services"). Wishbone is a brand of Synergy Pet Group. References in these Terms to the "Company," "we," "our," or "us" mean Synergy Pet Group and, where applicable, its subsidiaries, affiliates and service providers involved in making Wishbone products, plans, services, websites, or features available to you.

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Through the Services, you may be able to review, enroll in, access, or manage pet-related products and services made available through your employer or other sponsoring organization, including insurance plans, wellness products, savings programs, educational content, account information, and other offerings. Certain products and services may be offered by the Company, its affiliates, or third-party partners, and may be subject to additional terms, conditions, or policies.
Pet Assure Corp. is a corporation organized under the laws of the State of New Jersey, with its principal office located at 211 Boulevard of the Americas, Suite 403, Lakewood, NJ 08701, USA.

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The terms “you,” “your,” and “user” mean you individually and, if you access or use our Website, App, or Services on behalf of a company, mean you and your company collectively (in which case you represent that you are authorized to accept these Terms on behalf of your company). We may offer you products, Services, or software subject to additional terms and conditions (“Additional Terms”). The Additional Terms can be found here.

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Please read the Terms and Additional Terms carefully before you start to use the Website, App or Services. By using the Website, App, or Services, or by clicking to accept or agree to the Terms and the Additional Terms when this option is made available to you, you accept and agree to be bound and abide by these Terms, Additional Terms, and our Privacy Policy, found at https://www.wishbone.pet/privacy-policy, incorporated herein by reference. If you do not want to agree to these Terms, Additional Terms, or the Privacy Policy, you must not access or use the Website, App, or Services.

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This Website and App are offered and available to users who are 18 years of age or older and reside in the United States or any of its territories or possessions. By using our Website or App, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website or App.

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You acknowledge, understand, and agree to comply with any additional terms and conditions stipulated by either the Apple Store or Google Play store, when downloading and installing the App.

Changes to the Terms

We may revise and update these Terms and Additional Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website and Services thereafter. However, any changes to the dispute resolution provisions set out in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice before the date the change is posted on the Website.

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Your continued use of the Website, App, and Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page each time you access this Website, so you are aware of any changes, as they are binding on you.

Insurance Services

Insurance coverage is administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company, Clear Blue Insurance Company, or Clear Blue Specialty Insurance Company. Claims are processed by a third-party administrator, PrimeOne Insurance Co.

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Products, coverages, discounts, insurance terms, quotes, definitions, and other descriptions are intended for informational purposes only. Any cost, coverage, or premium stated before an official quote are estimates and an approximation and are not guaranteed. Actual cost, coverage, and premium are subject to the unique considerations of each individual risk. Insurance quotes are based on information provided to us and are subject to required underwriting and rating factors. Until an official quote is provided, all communications or advertisements (including, but not limited to, products, discounts, insurance terms, informal quotes, and definitions, etc.) provided on this Website are informational purposes only and are not an offer nor guarantee of available premiums or coverage. They do not in any way replace or modify the terms and conditions contained in your individual insurance policies, which are controlling. This information may not be used to modify any insurance policy that might be issued. Any information provided to assist in understanding the coverage we offer does not modify any insurance policy, nor does it imply that any claim is covered. Products, coverages, terms, and discounts may vary by state. Exclusions may apply. Not all products and discounts are available to all individuals in all states.

Accessing the Website, App, and Security

We reserve the right to withdraw or amend our Website and App, and any Services or Materials we provide on the Website and App, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website and App are unavailable at any time or for any period. From time to time, we may restrict user access, including registered user access, to some parts of the Website or App or the entire Website or App.

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You are responsible for both:

Making all arrangements necessary for you to have access to the Website and App.
Ensuring that all persons who access the Website and App through your internet connection are aware of these Terms and comply with them.

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To access the Website and App or some of the resources it offers, you may be asked to provide certain registration details or other information and create an account (“User Account”). It is a condition of your use of the Website and App that all the information you provide on the Website and App is correct, current, and complete. You agree that all information you provide to register with this Website, App, or otherwise, including, but not limited to, through the use of any interactive features on the Website and App, is governed by our Privacy Policy at https://www.wishbone.pet/privacy-policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

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If you choose, or are provided with, a username, password, or any other piece of information as part of our security procedures related to your User Account, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your User Account is personal to you and agree not to provide any other person with access to our Website, App, or portions of either using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your User Account at the end of each session. You should use particular caution when accessing your User Account from a phone or a public or shared computer so that others are not able to view or record your password or other personal information.

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We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms.

Services Fees and Cancellations

If there are any fees associated with your Services, the terms and conditions related to payment of fees and cancellation of your Services can be found in the Additional Terms located here.

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‍‍INTELLECTUAL PROPERTY RIGHTS

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‍All content, the Services, images, instructional materials, trademarks, third-party logos and names, data, software, or information contained in any materials, or documents used by Company in relation to the Website, App, and Services, including, but not limited to, any and all copyrighted works, databases, text, tools, software, technology, algorithms, graphics, icons, designs, logos, hyperlinks, domain names, codes, and agreements (“Materials”), are the sole and exclusive property of or are licensed to Company and as such all updates and modifications to the Website, App, and Services will vest in us or our licensors. You may not reproduce, distribute, or copy the Materials by any means, whether electronically or not, without our prior written permission.

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Any and all intellectual property rights in the Materials, Website, App, and Services, including all patents, rights in inventions, rights in designs, trademarks, trade and business names and all associated goodwill, rights to sue for passing off or for unlawful competition, copyright, moral rights and related rights, rights in databases, topography rights, domain names, rights in information (including know how and trade secrets) and all other similar or equivalent rights existing in the Materials and Services, now or in the future in any part of the world, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights for their full term (“Company’s Intellectual Property Right(s)”), vests solely and exclusively in Company, its group affiliates (if any), licensors or vendors, as the case may be. All rights not expressly granted by Company to you are reserved by Company. Save as expressly set out herein, you shall not acquire any right, title, or interest in Company’s Intellectual Property Rights.

Trademarks

The Synergy Pet Group name, the terms Max’s Corner, Mint Wellness, Pet Assure, Pet Benefit Solutions, Synergy Pet Group, Total Pet, Total Pet Plan, Wishbone Pet Insurance, and Shepherd, the Company’s logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

User Content and Other Submissions

Company allows you to make available certain information contained in your User Account including but not limited to your pet’s name, age and breed, photographs, copies of your pet’s medical records, your veterinarian’s information, and copies of veterinary invoices (“User Content”) viewable to yourself on the Website. You shall be responsible for the User Content that you post to the Website and App, including for its legality, accurateness, reliability, and appropriateness. By posting User Content on the Website and App, you grant Company the non-exclusive, worldwide, royalty-free, perpetual, irrevocable, transferable right/license to fully exploit, use, modify, perform, display, reproduce, and distribute such User Content on and through the Website and App. You shall retain any and all of your rights to any User Content you submit, post or display on or through the Website and App and you shall be solely responsible for protecting those rights.

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You represent and warrant that:

the User Content belongs to you (i.e., you own it) or that you have the right to use it (e.g., as licensee) and grant Company the rights and (sub-)license as granted by you under Section 4.1 of these Terms, and
the posting of User Content on or through the Website and App does not violate (a) Company’s Intellectual Property Rights (defined below) or any third party’s intellectual property rights, (b) privacy rights, publicity rights, copyrights, contract rights or any other rights of Company or of any third party.

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Company reserves the right to block or remove User Content that Company determines to be: (i) abusive, defamatory, or obscene; (ii) fraudulent, deceptive, or misleading; (iii) in violation of Company’s Intellectual Property Rights (defined below) or of any third party’s intellectual property rights; or (iv) offensive or otherwise unacceptable to Company in its sole and exclusive discretion. Company acknowledges that, by providing you with the ability to view and distribute user-generated content on the Website, Company is merely acting as a passive conduit for such distribution and is not assuming any obligation or liability relating to any contents or activities or transactions on the Website and App.

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You acknowledge and understand that your reliance on any information, content and material posted by other users on the Website and App will be at your sole risk. You further acknowledge that Company does not screen any communications between users in advance and as such Company is not responsible for screening or monitoring any information, content and/or material posted by users on the Website and App.

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By sending Company any ideas, suggestions, documents or proposals (“Feedback”), you agree that (i) your Feedback does not contain any confidential or proprietary information belonging to any third party(ies), (ii) we are under no obligation of confidentiality, express or implied, with respect to the Feedback, (iii) we may have feedback which is similar to your Feedback, already under consideration or in development, and (iv) you grant us an irrevocable, non-exclusive, royalty-free, perpetual, worldwide license to use, modify, prepare derivative works, publish, distribute and sublicense the Feedback, and you irrevocably waive, and cause to be waived, against Company and its vendors and users any claims and assertions of any moral rights contained in such Feedback.

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You acknowledge that Company practices a zero-tolerance approach for any (i) User Content which is deemed by Company, in its sole discretion, to be objectionable, or (ii) users determined to be abusive, when accessing the Website, App, and/or using the Services.

Monitoring and Enforcement; Termination

We have the right to:

Remove or refuse to post any User Content or Feedback for any or no reason in our sole discretion.
Take any action with respect to any User Content or Feedback that we deem necessary or appropriate in our sole discretion, including if we believe that such User Content and Feedback violates the Terms, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website, App, Services, or the public, or could create liability for the Company.
Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website, App, and Services.
Terminate or suspend your access to all or part of the Website, App, and Services for any or no reason, including without limitation, any violation of these Terms.

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Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website and App. YOU WAIVE AND HOLD HARMLESS THE COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER THE COMPANY OR LAW ENFORCEMENT AUTHORITIES.

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However, we cannot review all material before it is posted on the Website and App and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

Content Standards

These content standards apply to any and all User Content and Feedback. User Content and Feedback must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Content and Feedback must not:

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Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.

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Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.

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Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.

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Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms and our Privacy Policy located at https://www.wishbone.pet/privacy-policy.

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Be likely to deceive any person.

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Promote any illegal activity, or advocate, promote, or assist any unlawful act.

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Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.

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Impersonate any person or misrepresent your identity or affiliation with any person or organization.

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Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.

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Give the impression that they emanate from or are endorsed by us or any other person or entity if this is not the case.

Prohibited Use of the Website, App, and Services

You may not use the Website, App, and Services to transmit, distribute, store or destroy any material or information (i) in violation of any applicable law or regulation, (ii) in a manner that infringes upon Company’s Intellectual Property Rights (as defined below) or upon any third-party’s intellectual property rights, (iii) in a manner that violates the privacy or other personal rights of third parties, (iv) that is defamatory, damaging, disruptive, obscene, threatening, abusive or hateful, and/or (v) in order to upload, post, email, transmit, or otherwise make available any content that (a) is deemed unlawful, harmful, threatening, abusive, harassing, tortious, vulgar, obscene, libelous, or invasive of another's privacy or which is hateful, and/or racially, ethnically, or otherwise objectionable; and (b) incites, encourages or threatens immediate physical harm against another including, but not limited to content (1) promoting racism, bigotry, sexism, religious intolerance or harm against any group or individual, or (2) soliciting personal information from anyone under the age of eighteen (18) or exploits anyone in a sexual or violent manner.

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When accessing the Website, App, and Services, you shall be prohibited from:

Using any device, software or the like to interfere or attempt to interfere with the proper functioning of the Website, App, and Services;
taking any action that imposes an unreasonable or disproportionately large data load on the Website’s, App’s, and Services’ infrastructure;
copying, reproducing, altering, modifying, creating derivative works, or publicly displaying any content from the Website, App, and Services without Company prior written consent;
use the Website, App, and Services for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the Company’s Website, App, and Services;
accessing, tampering with, or use non-public areas of the Website, App, and Services of Company’s computer systems and/or of its third-party providers’ technical delivery systems;
probing, scanning, or testing the vulnerability of any of Company’s system or network or breach or circumvent any of Company’s security or authentication measures;
accessing, searching or attempting to access or search the Website, App, and Services (by any means other than through Company’s currently available, published interfaces that are provided by Company, unless You have been specifically allowed to do so in a separate agreement with Company;
reverse-assembling, reverse-engineering, decompiling or otherwise attempting to discover any source code relating to the Website, App, Services or any tool therein, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation;
attempting to access any area of the Website, App, and Services to which access is not authorized;
using any robot, spider, other automatic device or manual process to monitor or copy any part of the Website, App, and Services;
conducting any systematic or automated data collection activities on or in relation to the Website, App, and Services, including but not limited to data scraping, mining, extraction, harvesting, framing and article spinning, without Company’s prior written consent;
using manual or automated software, devices, or other processes to “crawl,” “scrape,” or “spider” any page of the Website, App, and Services;
disrupting or interfering with the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, mail-bombing the Website, App, and Services;
uploading, posting, emailing, transmitting, or otherwise offering any source that may contain a software virus or other computer code, any files and/or programs which have been designed to interfere, destroy and/or limit the operation of any computer software, hardware, or telecommunication equipment;
forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting;
intentionally or unintentionally violating any local, state, federal, national or international law, in addition to any rules of any nation or other securities exchange, and any regulations having the force of law;
impersonating any other person or entity, sell your profile, provide false or misleading identification, payment or address information, or invade the privacy, or violate the personal or proprietary right, of any person or entity; and/or
collecting or storing of any personal data relating to any other user in connection with the prohibited conduct and/or activities which have been set forth in the aforementioned paragraphs.

Reliance on Information Posted

The information presented on or through the Website and App is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website and App, or by anyone who may be informed of any of its contents.

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This Website and App may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

Website, App, and Services Management

You acknowledge and agree that Company shall have the right, in our sole discretion, to:

monitor the Website, App, and Services for any violations of these Terms;
take appropriate legal action against any user who violates these Terms or applicable law, including without limitation, reporting such user to the relevant law enforcement authorities;
refuse, limit the availability of, or disable (to the extent technologically feasible) your access to the Website, App, and Services or any portion thereof;
remove or disable all User Content that are excessive in size or burdensome to our systems; and
manage and monitor the Website, App, and Services in a manner designed to protect Company’s interests, rights, and property, and to facilitate and ensure the proper functioning of the Website, App, and Services.

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You acknowledge, that Company shall not be liable for:

the actions and/or decisions of the veterinary provider’s you visit;
the actions and/or decisions of the pet insurance and pet pharmacy providers that Company promotes;
determining the suitability of the veterinary or wellness plans you select;
any and all decisions, actions or inactions you may choose to take whilst accessing and using the Website, App, and Services; and
any result or non-result or any consequences which may occur due to your access to and use of the Services.

Changes to the Website and App

We may update the content on our Website and App from time to time, but its content is not necessarily complete or up to date. Any of the material on the Website and App may be out of date at any given time, and we are under no obligation to update such material.

Information about You and Your Visits to the Website and App

All information we collect on our Website and App is subject to our Privacy Policy located at https://www.wishbone.pet/privacy-policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

User Interaction on our Website and Social Media

We may provide opportunities for user interaction within the Website, App, and social media profiles on sites such as Facebook, Twitter, LinkedIn, and various blogging sites. On those social media profiles, content and links to other Internet sites should not be construed as an endorsement of the organizations, entities, views, or content contained therein. We are not responsible for content or links posted by others.

Third Party Links and Resources

The Website, App, and/or Services may contain links and/or ads to third-party websites or resources. You acknowledge and agree that Company shall not be responsible or liable for: (i) the availability or accuracy of such websites or resources; or (ii) the content, products, or services on or available from such websites or resources. Links and ads to such websites or resources do not imply any endorsement by Company of such websites or resources or the content, products, or services available from such websites or resources.

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Your communications, interactions, or business transactions/dealings with any third party found on or through the Website, App, and/or the Services, including any such third party’s terms, conditions, warranties, or representations associated with such communications, interactions, or business transactions/dealings, shall be solely between you and such third party. You acknowledge and agree that Company shall not be liable for any loss or damage incurred by you as the result of any communication, interaction, business transaction or other dealings you may have with any third party found through (i) the Website, (ii) App, and/or (iii) your use of the Services.

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BEFORE VISITING THIRD-PARTY WEBSITES AND/OR RESOURCES VIA COMPANY’S WEBSITE, APP, AND SERVICES, IT IS RECOMMENDED THAT YOU (I) REVIEW THE THIRD-PARTY’S TERMS AND CONDITIONS, PRIVACY POLICY AND ALL OTHER APPLICABLE CONTRACTUAL DOCUMENTATION, AND (II) INFORM/EDUCATE YOURSELF ON THE APPLICABLE REGULATIONS, POLICIES AND PRACTICES OF THE THIRD-PARTY WEBSITES AND/OR RESOURCES.

Geographic Restrictions

The owner of the Website and App is based in the State of New Jersey in the United States. We provide our Website, App, and Services for use only by persons located in the United States. We make no claims that the Website, App, and Services or any of its content is accessible or appropriate outside of the United States. Access to the Website, App, and Services may not be legal by certain persons or in certain countries. If you access the Website, App, and Services from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Disclaimer of Warranties

Unless otherwise provided under these Terms, the Services shall be provided by Company to you "as is," and “as available” with all faults, defects, bugs, and errors. You acknowledge and agree that your access to and use of the Website, App, and Services shall be at your own risk.

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COMPANY HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO YOUR USE OF THE SERVICES ON THE WEBSITE AND APP, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT OR INTEGRATION. SUCH EXCLUSIONS OF IMPLIED WARRANTIES APPLY WITHIN THE EXTENT PERMITTED BY LAW.

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COMPANY AND/OR ITS GROUP AFFILIATES (IF ANY), LICENSORS AND VENDORS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, ACCURACY, RELIABILITY OR COMPLETENESS OF (i) THE INFORMATION CONTAINED ON THE WEBSITE, APP, AND SERVICES, AND (ii) RELATED GRAPHICS PUBLISHED ON THE WEBSITE, APP, AND SERVICES FOR ANY PURPOSE. COMPANY AND/OR ITS GROUP AFFILIATES (IF ANY) HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE INFORMATION CONTAINED ON THE WEBSITE, APP, AND SERVICES, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

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YOU ACKNOWLEDGE THAT THE INFORMATION AND RELATED GRAPHICS PUBLISHED ON THE WEBSITE, APP, AND/OR SERVICES COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS AND CHANGES.

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NEITHER COMPANY NOR ITS GROUP AFFILIATES (IF ANY), LICENSORS AND VENDORS MAKE ANY REPRESENTATION, WARRANTY OR GUARANTEE THAT THE INFORMATION THAT MAY BE AVAILABLE ON THE WEBSITE, APP, AND SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE ELEMENTS OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE YOUR COMPUTER SYSTEM, DATA OR PERSONAL INFORMATION.

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COMPANY PROVIDES YOU WITH THE SERVICES ON THE WEBSITE AND APP IN GOOD FAITH AND AS SUCH MAKES NO WARRANTY THAT (I) THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, (II) YOUR ACCESS TO OR USE OF THE WEBSITE, APP, AND SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE, (III) ANY DEFECTS ON THE WEBSITE, APP, AND/OR SERVICES WILL BE CORRECTED, OR (IV) THE WEBSITE, APP, SERVICES OR ANY SERVER THROUGH WHICH YOU ACCESS THE SERVICES ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

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THE INFORMATION FOUND ON THE WEBSITE AND APP AND WITHIN THE SERVICES ARE FOR INFORMATIONAL PURPOSES ONLY. COMPANY WILL NOT BE HELD RESPONSIBLE FOR ANY DAMAGES THAT MAY BE INCURRED BY YOU AS A RESULT OF YOUR USE OF SUCH INFORMATION. ALL INFORMATION AND CONTENT ON THE WEBSITE, APP, AND SERVICES IS COPYRIGHTED, AND MAY NOT BE REPUBLISHED, COPIED, SOLD OR POSTED ANYWHERE ONLINE OR IN PRINT. COMPANY RESERVES THE RIGHT TO TAKE THE NECESSARY LEGAL ACTION TO PREVENT YOU FROM (RE)-PUBLISHING, COPYING, SELLING, POSTING OR PRINTING ANY COPYRIGHTED INFORMATION AND CONTENT AVAILABLE ON THE WEBSITE, APP, AND SERVICES.

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COMPANY DOES NOT WARRANT OR GUARANTEE THAT ANY SUCCESSFUL COMMERCIAL RESULTS OR PROFITS WILL BE OBTAINED BY YOU AS A RESULT OF USING THE WEBSITE, APP, AND SERVICES. AS SUCH, COMPANY WILL NOT BE LIABLE FOR ANY FAILURE, OR ANY LOSS OR DAMAGES INCURRED/SUSTAINED BY YOU AS A RESULT OF YOUR USE OR INABILITY TO USE THE WEBSITE, APP, AND SERVICES.

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COMPANY ALSO MAKES NO WARRANTY ABOUT THE ACCURACY, COMPLETENESS, TIMELINESS, OR QUALITY OF THE WEBSITE OR ANY SERVICES, OR THAT ANY PARTICULAR SERVICE WILL CONTINUE TO BE MADE AVAILABLE ON THE WEBSITE AND APP.

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YOUR ACCESS TO OR DOWNLOAD OF THE APP, INFORMATION, MATERIALS, OR DATA THROUGH THE WEBSITE AND APP, OR ANY THIRD PARTY WEBSITES IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH INFORMATION, MATERIALS OR DATA.

Indemnification

You agree to indemnify and hold harmless Company from and against any liability, demand, damages, cost, or expense arising from any third-party claim based on: (i) your violation of these Terms; (ii) your use or misuse of the Service(s); and/or (iii) your infringement of Company’s Intellectual Property Rights. Company shall indemnify and hold you harmless from and against any liability or expense arising from a third-party claim based on any Negligence of Company. “Negligence” shall mean gross negligence or intentional misconduct.

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In the event of a claim subject to indemnification hereunder, the indemnified Party shall: (i) promptly notify the indemnifying Party of the claim, (ii) provide the indemnifying Party with reasonable cooperation and assistance, at the indemnifying Party’s expense, to defend such claim; and (iii) allow the indemnifying Party the opportunity to assume the control of the defense and settlement of such claim. The indemnified Party shall be entitled to participate in the defense of such claim and to employ counsel at its own expense to assist in the handling of such claim. The indemnifying Party must obtain the prior written approval from a duly authorized signatory of the indemnified Party prior to entering into any settlement affecting the indemnified Party’s rights.

Limitation of Liability

COMPANY, ITS GROUP AFFILIATES (IF ANY), ITS LICENSORS, VENDORS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, DATA, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO THE WEBSITE AND APP AND/OR FROM YOUR USE OF THE SERVICES, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

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WHILE COMPANY TAKES PRECAUTIONS AGAINST SECURITY BREACHES, NO WEBSITE, APP, OR INTERNET TRANSMISSION IS COMPLETELY SECURE, AND AS SUCH, COMPANY AND ITS GROUP AFFILIATES (IF ANY), LICENSORS, AND VENDORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM UNAUTHORIZED ACCESS, HACKING, DATA LOSS, OR OTHER BREACHES THAT MAY OCCUR ON THE WEBSITE AND APP AND/OR THROUGH YOUR USE OF THE SERVICES.

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YOU ACKNOWLEDGE THAT THERE ARE RISKS INHERENT IN INTERNET CONNECTIVITY THAT COULD RESULT IN THE LOSS OF PRIVACY, CONFIDENTIAL INFORMATION AND PROPERTY. COMPANY SPECIFICALLY DISCLAIMS AND MAKES NO REPRESENTATION OR WARRANTY, ORAL OR IN WRITING, CONCERNING THE VIABILITY OR COMPLIANCE WITH APPLICABLE LAWS OF THE SERVICES IN A PARTICULAR COUNTRY, TERRITORY, OR REGION.

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NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, COMPANY, ITS GROUP AFFILIATES (IF ANY), ITS LICENSORS AND ITS VENDORS AS WELL AS THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF ACTION, AND IF FOUND LIABLE, SUCH LIABILITY SHALL AT ALL TIMES NOT EXCEED THE SUBSCRIPTION PLAN FEES PAID BY YOU TO COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, MINUS ANY AMOUNTS PAID BY THE LIABLE PARTY DURING THAT SAME PERIOD FOR ANY PRIOR LIABILITY.

Privacy Policy

Company’s Privacy Policy, available at www.wishbone.pet/privacy-policy, governs the use, storage, and processing of the personal information you may provide to Company through your access to the Website, App, and/or through your use of the Services. Your election to use the Services shall be deemed to constitute your acceptance of the terms of Company’s Privacy Policy.

Governing Law and Jurisdiction

In the event of any disagreement between the Parties with respect to the interpretation and implementation of any aspect of these Terms, the Parties agree to discuss in good faith to reach an amicable resolution prior to starting any litigation/legal proceedings against each other.

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These Terms and any dispute arising out of or in connection with the Terms, its subject matter or its formation (including non-contractual disputes or claims), shall be governed by, and construed in accordance with the laws of the State of New Jersey, USA. The Parties irrevocably submit to the exclusive jurisdiction of the American Arbitration Association in Ocean County, New Jersey, USA to settle any dispute which may arise out of or in connection with this Agreement.

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The Parties agree that any arbitration shall be limited to the dispute between the Parties. To the full extent permitted by law, (i) no arbitration shall be joined with any other proceeding; (ii) there is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (iii) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

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‍Electronic Transactions and Communications Consent

‍Our goal is to make your experience with us as simple as possible; which is why we communicate electronically with you as much as possible and allow you to access your insurance policy and related information, online. If you enter into a transaction with us via the Website, you acknowledge that you have read and agree to the following terms:

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‍Consent

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE WEBSITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

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Definitions

“Communication(s)” means all the information we are required to provide to you by law, or as reasonably necessary to administer your Contract, which includes, but is not limited to: general communications, your quote, online enrollment or application, declarations page, Policy, certificate, terms and conditions, responses to claims, transaction history, privacy notices, periodic billing statements, amendments, services, notices, and disclosures about changes in the terms of your Contract, and any other information you may request from us. “Contract” means a Policy/certificate or any other product or service requested by you and provided by us. “Policy” means a written contract of insurance, or written agreement or certificate effectuating insurance, and includes all clauses, riders or endorsements, and declarations pages.

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Scope of Communications to be Provided in Electronic Form‍

You acknowledge that we rely on electronic communications as a core component of our Services; by signing up for our Services you consent to receive any and all Communications in electronic format (including paper Communications that may have been required to be sent via U.S. mail). If you are using the Website or Services on behalf of a company you represent that you have affirmative consent and are authorized by your company to receive electronic disclosures from us through the Website. You further acknowledge that we may authorize an agent to deliver certain Communications to you on our behalf and perform other services to help facilitate the delivery of Communications to you.

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‍Method of Providing Communications to You in Electronic Format‍

All Communications we provide to you in electronic format will be provided by one or more of the following methods (to the extent permissible by law): (i) via email; or (ii) by access to our Services, through our Website. We will provide a particular Communication in writing if required by law to do so.

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‍How to Withdraw Consent‍

You may withdraw your consent to receive electronic Communications by reaching out through our Contact Us channels below. At our option, we may treat an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent, however, we may no longer be able to provide Services to you and may terminate your use of our Services in whole or in part. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. Termination of your consent to conduct business electronically will not affect legal enforceability of any Contract provided to you.

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‍How to Update Your Contact Information‍

It is your responsibility to provide us with a true, accurate, and complete email address, contact, and other information related to these Terms and your Contract, and to maintain and promptly update any changes in this information. You can update your information by reaching out through our Contact Us channels below. Please do not send confidential information to us via email because we cannot guarantee that the transmission will be secure.

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‍Hardware and Software Requirements In order to successfully access, view, and retain electronic Communications from us, you must have:

An up-to-date Internet browser to access your Communications;
Local, electronic storage capacity to retain our Communications and/or a printer to print them;
A valid email account and software to access it;
An up-to-date device or devices (e.g., computer, Smartphone, tablet, etc.) suitable for connecting to the Internet;
Added the domain wishbone.com to your email account’s list of safe senders;
Software that enables you to view files in Portable Document Format (“PDF”). You may be able to download the most recent version of Adobe Reader by clicking here. If you cannot download the most recent version of Adobe Reader, please call your manufacturer to find out how to download software that is functionally equivalent.

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‍Requesting Paper Copies When you consent to receive Communications electronically, you should not expect to receive a paper copy of any Communication, unless you request a paper copy, a paper or other written copy is required by law, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail one to you. We may charge you a reasonable service fee for a paper copy. To request a paper copy, you may do so by reaching out through our Contact Us channels below.

General Provisions

Severability. In the event that any provision of these Terms shall be unenforceable or invalid under any applicable law or be so held by any applicable court decision, such unenforceability or invalidity shall not render the remaining provisions of these Terms unenforceable or invalid, and, in such event, such remaining provisions shall be changed and interpreted so as to best accomplish the objectives of such unenforceable or invalid provision within the limits of applicable law or applicable court decision(s).

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‍Waiver. The failure of the Company to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. Any waiver of these Terms by the Company must be in writing and signed by an authorized representative of the Company.

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‍No Assignment. Neither these Terms nor any rights under these Terms may be assigned or otherwise transferred by you, whether voluntarily or by operation of law, without the prior written consent of Company. Subject to the foregoing, these Terms will be binding upon and will insure to the benefit of the Parties and their respective successors and assigns. Any assignment in violation of the foregoing shall be null and void.

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‍Notices. Except as otherwise provided under these Terms, any notice required or permitted to be given will be effective only if it is in writing and sent by certified mail, registered mail, courier or to legal@petassure.com.

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‍Entire Agreement. These Terms represent the entire agreement between the Parties relating to the subject matter hereof. These Terms fully and completely expresses the agreement of the Parties relating to the subject matter hereof. There are no other courses of dealing, understanding, agreements, representations, or warranties, written or oral, except as set forth herein.

Contact Information

Should you have any questions concerning these Terms and/or any issues or concerns about the Website and/or Services you may contact Company via our Contact Us form on our website at https://www.wishbone.pet/contact.

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‍Effective Date: June 9, 2024