Privacy Policy

CompareCove™ (“CompareCove”, “we”, “us”) operates the CompareCove website and mobile app (the “Service”) from the State of Maryland, United States, and is the controller of the personal data described here. Because we are based in Maryland, this policy is written to meet the Maryland Online Data Privacy Act (“MODPA”, Md. Code, Com. Law § 14‑4601 et seq.), the Maryland Personal Information Protection Act (“MPIPA”, Md. Code, Com. Law § 14‑3501 et seq.) and the Maryland Consumer Protection Act. Our contact details for privacy questions are in the contact section below.

CompareCove is a pet insurance comparison service. We are not an insurer, a licensed insurance producer, agent or broker, and we do not underwrite, sell or service policies — so we never hold your policy, claims or underwriting records. Those are held by the carrier you apply to, under its own privacy notice and its state insurance regulator.

Account information. When you sign up, we collect your email address and any profile details you choose to add. The Service is free to use: we take no payments, use no payment processor, and never collect or store card or bank details.

Pet and comparison information. To produce a recommendation we collect what you tell us about your pet — species, breed, age, state or ZIP code, and the coverage priorities you pick — plus the carriers you view, compare and click through to. This is information about your pet, not health data about you, and we do not ask for your medical, financial or veterinary records.

Usage information. We collect the pages you view, comparisons you run, search queries, carriers you save to your compare list, premium alerts you switch on, clicks on carrier and partner links, and AI assistant chat messages so we can improve rankings, reviews and recommendations.

Mobile app information. If you install the CompareCove app from the Apple App Store, Google Play or your browser’s “add to home screen” option, we collect the same information as on the website plus basic app and device version data. App stores may also give us aggregate install and crash statistics; they do not share your card details with us.

Email engagement. For emails you have asked to receive (including the affiliate digest), we record deliveries, opens, clicks and unsubscribes so we can measure and reduce unwanted mail.

Partner submissions. If you submit or manage carrier or agency listings through our partner program, we collect your business name, contact details, plan and coverage data, premium ranges, destination URLs and any supporting documentation.

Feedback and testimonials. When you leave a review, testimonial, rating or question, we collect the content you provide and may display it publicly in anonymized or shortened form.

Device and log data. We automatically collect IP address, browser type, device type, operating system, referral URLs, and dates/times of access through standard server logs and analytics.

We use your information to operate and improve the Service, produce and personalize pet insurance comparisons and recommendations, process any payments you make, communicate with you (service emails, security alerts), review and publish partner submissions, prevent fraud and abuse, analyze conversion funnels, and comply with legal obligations. We may also use anonymized or aggregated data to train or improve our AI assistant.

Maryland data minimization. As MODPA requires, we limit collection to what is reasonably necessary and proportionate to provide pet insurance comparisons, and we do not use your personal data for a materially different purpose than described here without asking you first. We do not sell personal data, and we do not process sensitive data (such as health, precise geolocation, biometric, immigration status, race, religion or sexual orientation data) except where strictly necessary to provide something you requested — we do not need it to run comparisons, so please do not send it.

A sticky cookie icon stays in the lower-left corner of every page. Clicking it opens your cookie preferences. Until you make a choice, only strictly necessary cookies run. Strictly necessary cookies keep you signed in, remember your plan and preferences (such as dark mode) and protect the site. Optional analytics cookies count pages viewed, searches run and upgrades clicked so we can improve comparisons. Optional marketing and affiliate cookies remember which carrier or deal you clicked so partners can credit the referral and we can measure campaign performance. Optional cookies stay off until you opt in.

In the preferences dialog you can choose Accept all or Save choices to turn each optional category on or off individually. You can change your choice at any time by clicking the cookie icon again, or by clearing cookies in your browser and revisiting the site; parts of the Service may not work correctly without the necessary ones. We honor recognized universal opt-out mechanisms, including Global Privacy Control (GPC) signals, as an opt out of targeted advertising under MODPA. We record each consent choice (date, page, browser and an anonymous visitor id) so we can demonstrate your preference. Full details of every cookie we set are in our Cookie Policy.

We do not sell your personal information for money or other valuable consideration, and we have not done so in the preceding 12 months. We share data only with:

• Service providers such as our hosting, email and analytics providers, who process data on our behalf under confidentiality obligations.
• Carriers and partners only when you click an outbound link to their site; they then handle you directly under their own terms and privacy policies.
• Affiliate networks that track referrals and may place a cookie when you click an affiliate link. This does not change the price you pay. CompareCove is a free pet insurance comparison service — we are not an insurer or an agent and we do not sell policies. We may earn a commission when you buy through a carrier link. It never changes your premium or how carriers are ranked.
• Legal authorities when required by law, subpoena, or to protect our rights and users.

Some carrier and partner links on CompareCove are affiliate or referral links. When you click them, a third-party network may record that the visit came from us. If you make a purchase, we may earn a commission. This does not affect the price you pay or the order in which offers are ranked. You can read more in our Terms of Service.

Conversations with our AI assistant are stored so we can answer your questions, improve responses, and review quality. Do not share payment card numbers, passwords, health records, or other sensitive personal data in the chat. Its replies are generated automatically and may be inaccurate; please verify important information directly with the carrier, a licensed agent in your state, your veterinarian.

We keep your account information for as long as your account is active. Pet profiles and the recommendations built from them are kept while your account is active so you can revisit a comparison, and you can delete them at any time from your dashboard. Partner submissions are kept while they remain relevant and may be removed if not re-confirmed after periodic review. Analytics and log data are typically retained for up to 24 months, after which they are aggregated or deleted. You can request deletion of your account and associated personal data by contacting us.

If you are a Maryland resident, MODPA gives you the right to:

• confirm whether we process your personal data and access it;
• correct inaccuracies in your personal data;
• delete personal data you provided or that we obtained about you;
• obtain a portable copy of your data in a usable format;
• opt out of targeted advertising, the sale of personal data, and profiling used for decisions with legal or similarly significant effects;
• get a list of the categories of third parties we have shared your data with; and
• be free from discrimination or a degraded experience for exercising these rights.

To exercise a right, use the contact options below; you may also update or close your account at any time from your account settings, and change or stop the emails you receive from the email preferences page linked at the bottom of every marketing email. We respond within 45 days and may extend once by 45 days with notice. We may ask you to verify your identity, and you may use an authorized agent.

Appeals. If we deny your request, we will tell you why and how to appeal. We will decide an appeal within 60 days. If we deny the appeal, you may submit a complaint to the Consumer Protection Division of the Office of the Maryland Attorney General.

Residents of other states or countries may have similar rights; we honor comparable requests wherever we can.

We use encryption in transit and at rest, role-based access controls, and routine security reviews to protect your data, as MPIPA requires of businesses that maintain Maryland residents’ personal information. No online service is completely secure, so we cannot guarantee absolute security. Please keep your account credentials safe and let us know immediately if you suspect unauthorized access.

If we discover a breach of security affecting your unencrypted personal information, we will investigate promptly and, where the breach creates a likelihood of misuse, notify you as soon as reasonably practicable and no later than 45 days after concluding the investigation, along with the Maryland Attorney General and any consumer reporting agencies required by law.

The Service is not directed to children under 13, and we do not knowingly collect personal information from them, consistent with COPPA. In line with MODPA and the Maryland Age-Appropriate Design Code, we do not knowingly process the personal data of any consumer we know or should know is under 18 for targeted advertising, and we do not sell it. If you believe a minor has given us personal data, contact us and we will delete it promptly.

CompareCove is operated in the United States. If you access the Service from outside the United States, your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate. By using the Service, you consent to this transfer.

We may update this Privacy Policy from time to time. When we do, we will revise the “last updated” date at the top of the page. Material changes will be communicated through the Service or by email. Continued use after changes means you accept the updated policy.

Questions about this Privacy Policy or how we handle your data? Use the feedback form on our home page or ask our AI assistant in the chat bubble. Carriers and agencies can email us at partnerships@comparecoveonline.com.