Terms of Service

Last updated: April 5, 2026

1. About SmartPetCover

SmartPetCover is an informational website operated by Open Telos GmbH, Grotfeldsweg 55, 47506 Neukirchen-Vluyn, Germany. We provide educational content about pet insurance, including breed-specific cost guides, health condition analysis, and state-by-state comparisons.

2. Important Disclaimers

Please read these carefully:

• We are NOT an insurance company, insurance agent, insurance broker, or insurance intermediary. We do not sell, underwrite, advise on, or distribute insurance products of any kind.
• We operate solely as an informational content publisher. Under EU Insurance Distribution Directive (IDD) Recital 13 and German §34d GewO, our activity is limited to providing general information and, where applicable, referring interested visitors to licensed insurance professionals. This constitutes a Tippgeber (referral) activity and does not require insurance distribution licensing.
• We do not provide insurance advice, product recommendations, needs assessments, suitability evaluations, or tailored comparisons.
• All content on this website is for educational and informational purposes only. Cost figures, premium ranges, and coverage details are general estimates based on publicly available data and should not be relied upon as quotes or offers.
• Partner matching services are currently under development. When active, we will connect you with licensed insurance professionals who can provide actual quotes and advice.

3. Use of This Website

By accessing and using SmartPetCover, you agree to these terms. You may use this website for personal, non-commercial purposes. You may not:

• Scrape, reproduce, or redistribute our content without written permission
• Use the website for any unlawful purpose
• Submit false or misleading information through any form on this website
• Attempt to interfere with the website's operation or security

4. Accuracy of Information

We strive to provide accurate and up-to-date information about pet insurance costs and coverage. However, insurance premiums vary based on many factors including your location, pet's age, breed, health history, and the specific insurer. The figures on our site are estimates and should not be relied upon as exact quotes. Always verify with the insurance provider directly.

5. Third-Party Links

Our website may contain links to third-party insurance providers or other external websites. We are not responsible for the content, accuracy, policies, or practices of any third-party websites. Inclusion of a link does not imply endorsement.

6. Lead Referral

If you submit your contact information through our comparison form, you consent to having that information shared with licensed insurance partners as described in our Privacy Policy. This referral activity is informational only — we do not participate in any insurance transaction, negotiate terms, or act on your behalf.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Open Telos GmbH and its directors, employees, and agents shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website
• Any decisions you make regarding the purchase or non-purchase of insurance based on information found on this website
• Any actions taken by insurance partners or third parties you are connected with through our service
• Any inaccuracies in cost estimates, coverage descriptions, or other informational content

This website is provided “as is” without warranties of any kind, express or implied.

8. Indemnification

You agree to indemnify and hold harmless Open Telos GmbH from any claims, damages, losses, or expenses arising from your use of this website or violation of these terms.

9. Governing Law and Jurisdiction

These terms are governed by the laws of the Federal Republic of Germany. Any disputes arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Düsseldorf, Germany. Mandatory consumer protection laws of your country of residence remain unaffected.

10. Changes to These Terms

We may update these terms from time to time. The “Last updated” date at the top reflects the most recent revision. Continued use of the website after changes constitutes acceptance of the revised terms.

11. Contact

Questions about these terms? Contact us at hello@smartpetcover.com.