August 2023
Privacy Policy and Statement
Your privacy is important to us. At ManyPets, Inc. (hereinafter referred to as “ManyPets”), we are committed to protecting your non-public personal information as required by law. This notice is to advise you of how we will handle this information.
What is Personal Data?
In this privacy policy, references to “personal information” or “personal data” are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, company, e-mail address, address, and telephone number but it may also include information such as your IP address and location, in certain jurisdictions.
Types of Information We Collect on this Website
This Privacy Policy describes how we collect, store, use and protect your personal information when you access or use our website at https://manypets.com/us/ and all associated and linked sites (the “Sites”), any mobile applications that may be downloaded on your device to access our services, including the ManyPets App (the “Mobile Apps” or “App”), and all associated digital goods and services (collectively, “ManyPets Services” or “Services”). You can visit the sites, mobile app, and services of ManyPets without revealing who you are or providing any personal information about yourself.
There will be times, such as when you request information or a publication, when we will need to obtain personally identifiable information from you or about you. However, this information will not be collected without your knowledge.
The information we receive about you or from you may be used by us to process your inquiry or request; to comply with any law; regulation, or court order; and to help improve our sites, mobile app, services or the products or services we offer.
When you visit our sites, mobile app, and/or services, we may collect usage information (including, but not limited to, IP addresses, browser and platform types, domain names, access times, and referral data) to help us understand how our sites, mobile app, and services are navigated and used. This data does not include any personal information about you and is used only to measure and improve the effectiveness of our sites, mobile app, and services.
How We Use Your Information/Use of Collected Personal Information
ManyPets only processes personal information for the purposes described in this Privacy Policy and/or privacy notice for specific services. Such services may include:
Providing our insurance services to users
Auditing, research, and analysis in order to maintain, protect, and improve our services
Ensuring the technical functioning of our network
Developing new services
Promotional Messaging or Advertising:
Any Promotional Messaging or Advertising material is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product or service.
Ability to Opt-in/Out
If we propose to use your personal information for any purposes other than those described in this Policy and/or in the specific service notices, you may "opt-out"—or say no to—having your information shared by emailing manyhelp@manypets.com. We will not collect or use sensitive information for purposes other than those described in this Policy and/or in the specific service notices, unless we have obtained your prior consent.
If you do choose to decline to submit personal information to any of our services, there may be some instances in which we may not be able to provide those services to you.
Information Provided by You
When you engage us to provide insurance services, we may ask you for personal information (such as your name, address, social security number, date of birth, phone numbers, credit card information, and email address) which we maintain in encrypted form on secure servers. We may combine the information submitted under various forms and services in order to provide customers with a better experience and to improve the quality of our services.
We may need to use your personal data in order to carry out the following activities:
To set you up as a new client (including carrying out ‘know your customer’ checks);
To provide you with an insurance quote;
To provide our products and services to you;
To respond to your inquiries;
To accept payments from you;
To communicate with you about your policy;
To renew your policy;
To obtain reinsurance for your policy;
To process insurance and reinsurance claims;
For general insurance administration purposes;
To comply with our legal and regulatory obligations;
To model our risks;
To defend or prosecute legal matters;
To respond to your inquiries;
When you sign up for an online account;
To make our products and services better and to develop new products and services; and
To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so.
Information Collected from Other Sources
From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us. This Privacy Policy applies to how we handle your information. We do not exercise control over the websites that are displayed in other browser windows opened by links from within our various services. These other sites may place their own cookies or other files on your computer, collect data, or solicit personal information from you.
Disclosure of Personal Information to Third Parties, Vendors, Service Providers, or for Company Communications
We may disclose personal information that we collect, or you provide, as described in this privacy policy under the following circumstances:
To transfer data to our affiliates from time to time for our legitimate business purposes. Affiliates are defined as group companies, subsidiaries, parent companies, joint ventures, and other corporate entities under common ManyPets ownership.
To contractors, service providers, and other third parties we use to support our business that are bound by an obligation to keep personal information confidential and use it only for the purposes for which we disclose it to them.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about our sites, mobile app, and services users is among the assets transferred.
To fulfill the purpose for which you provide it.
Choices about the Collection and Use of Your Information
Our sites, mobile app, and services may use "cookies" to enhance your viewing experience. A cookie is a tiny element of data that is sent to your browser to be stored on your hard drive/device so that we can recognize you when you return. You may set your browser to notify you when you receive a cookie or refuse cookies from all websites. Please note, if you reject cookies, it is possible that some web pages may not load properly, your access to certain information might be denied, or you might be required to enter information more than once.
Promotional Offers from the Company: If you do not wish to have your e-mail address/contact information used by the Company to promote our own or third parties' products or services, you can opt-out by using one of the methods described above in 'How We Use Your Information'.
Targeted Advertising: If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt-out by using one of the methods described above in 'How We Use Your Information'.
Access to and Correction of Personal Information
If you believe that any personal information, we have collected about you is inaccurate, you may send a written request via email to manyhelp@manypets.comto correct or delete any personal information that you have provided to us. We will investigate your request and make appropriate changes if warranted.
We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Collection of Information from Children
We do not knowingly collect personal information from anyone under the age of 13. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us via email manyhelp@manypets.com.
For more information about protecting your child's privacy online, visit the Federal Trade Commission website at https://www.ftc.gov.
Other Considerations
When you use some ManyPets products, services, or applications or post on a ManyPets forum, chat room, or social networking service such as Facebook, Twitter, or other such social media sites, the personal information and content you share is visible to other users and can be read, collected, or used by them.
State-Specific Privacy Laws
Many states and territories have their own privacy regulations which apply to individuals and corporation that live or do business in, frequent, or offer good and services to its residents. The individual laws of these states vary and as such you should familiarize yourself with your individual state laws.
Addendum 1 which can be found at the end of this notice summarizes each current state privacy regulation.
Confidentiality and Security
We will not add your name to mailing lists unless you specifically request that we do so. We do not share, sell, lease, or rent our mailing or customer lists to third parties. We may, use third parties to help us administer e-mail alerts. If personally identifiable information (i.e., name, address, e-mail address, telephone number) is provided to any of these third parties, we will require that they maintain such information in strictest confidence in compliance with this policy. We also assess new technology for protecting customer information on an ongoing basis.
We take the security of your personal information seriously and make appropriate technical and organizational measures against unauthorized or unlawful processing of personal data, and against accidental loss, destruction of, or damage to, personal data. Please contact us immediately if you believe your Personal Information has been exposed.
Although we take appropriate measures to protect the security of the information communicated through our sites, mobile app, and services, no Internet connected computer system can be made absolutely secure from intrusion. We, therefore, cannot and do not guarantee that information communicated by you to us will be received or that it will not be altered before or after its transmission to us. If you elect to use our sites, mobile app, and/or services to communicate with us, you do so at your own risk.
Questions and Concerns
If you have any questions or comments with this privacy statement, or if have any concerns as to the validity of information made available within these pages, we recommend you seek verification by contacting us via our ‘Contact Us’ page.
Please note that we may update and modify this Privacy Statement. It remains your responsibility to access and check these terms and conditions whenever you access our sites, mobile app, and/or services as the latest version of these terms and conditions will govern. We do not accept any liability for any errors or omissions.
Addendum 1
California Privacy Rights
California Civil Code Section §1798.83 and the California Consumer Privacy Act (CCPA) permits users of our sites, mobile app, and/or services that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. The CCPA also provides California residents the right ‘To Be Forgotten’ by a company.
A California resident has the right to know what Personal Information is collected, used, disclosed, or sold, to delete any Personal Information collected, to opt-out of the sale of Personal Information, and to not be discriminated against for exercising such rights.
Right to Know
A California resident has the right to request that we disclose what Personal Information we collect, use, disclose or sell. You may request that we disclose the following information upon receipt of a verifiable consumer request:
The categories of Personal Information collected and categories of sources from which the Personal Information is collected.
The business or commercial purpose for collecting or selling Personal Information.
The categories of third parties with whom we share Personal Information.
The specific pieces of Personal Information we have collected about you.
Right to Delete
As a California resident, you have the right to request that we delete any Personal Information about you which we have previously collected. If it is necessary for us to maintain the Personal Information for certain purposes, we are not required to comply with your deletion request. If we determine that we will not delete your Personal Information when you request us to do so, we will inform you and tell you why we are not deleting it.
Right to Opt-Out of Sale of Personal Information
We do not sell Personal Information, including the Personal Information of minors under the age of 16. However, pursuant to applicable law, a California resident may request that their information not be sold in the future. To do so please send a request to us by emailing manyhelp@manypets.com.
No Discrimination
You have the right not to be discriminated against because you exercised any of your rights under the CCPA.
If you would like to exercise any such rights, please email us at manyhelp@manypets.com.
Virginia Consumer Data Protection Act
The Virginia Consumer Data Protection Act (VCDPA) provides consumers with certain rights related to their personal data. Under the Act, these rights include:
The right to know, access, and confirm personal data.
The right to delete personal data.
The right to correct inaccuracies in personal data.
The right to data portability (i.e., easy, portable access to all pieces of personal data held by a company).
The right to opt out of the processing of personal data for targeted advertising purposes.
The right to opt out of the sale of personal data.
The right to opt out of profiling based upon personal data.
The right to not be discriminated against for exercising any of the foregoing rights.
If you are a Virginia resident and would like to exercise any such rights, please send a request via email to manyhelp@manypets.com.
Colorado Privacy Act
The Colorado Privacy Act (CPA) provides consumers with certain rights related to their personal data. Under the Act, these rights include:
The CPA provides five main rights for the consumer.
Right of access. You have the right to confirm whether a controller is processing your personal data and to have the sole right to access your personal data.
Right to correction. You have the right to correct inaccuracies in any personal data, taking into account the nature of the personal data and the purposes of the processing of your personal data.
Right to delete. You have the right to delete personal data concerning the consumer.
Right to data portability. You have the right to obtain your personal data in a portable and, to the extent technically feasible, readily usable format that allows you the consumer to transmit the data to another entity without hindrance.
Right to opt out. You have the right to opt out of the processing of your personal data purposes of:
targeted advertising;
the sale of personal data; or
profiling in furtherance of decisions that produce legal or similarly significant effects on you as the consumer.
Right to appeal. The CPA also provides you the right to appeal a business’ denial to take action within a reasonable time period. A business must respond to a request within 45 days of receipt and may subsequently extend that deadline by an additional 45 days when reasonably necessary. When a business elects to extend that deadline, it must notify you within the initial 45-day response period.
If you are a Colorado resident and would like to exercise any such rights, please send a request via email to manyhelp@manypets.com.
Massachusetts Information Privacy Act
MGL c.214, § 1B Right of Privacy of the Massachusetts Information Privacy Act (MIPA) provides that any Massachusetts resident (resident) shall have a right against unreasonable, substantial, or serious interference with his privacy. Information may only be collected with the resident’s express permission and any company that holds such information must immediately delete upon a request to do so from the impacted resident.
To make such any such request as a resident of the Commonwealth of Massachusetts, please send a request via email to manyhelp@manypets.com