Last Updated: August 2024

Thank you for visiting this Website (the “Site”) which is owned, operated, controlled, maintained, or otherwise administered, by Pumpkin Insurance Services Inc. and/or Sprout Wellness Services LLC (d/b/a Pumpkin Wellness Club) (“Pumpkin”). We respect your privacy and are committed to protecting it. Insurance products are underwritten by either Independence American Insurance Company, a Delaware insurance company (NAIC #2658; Scottsdale, AZ), or United States Fire Insurance Company (NAIC #21113; Morristown, NJ); and are administered and produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749; New York, NY; CA License #6001617).This Privacy Policy describes how we collect, use, share and retain personal information we obtain as part of our business of selling preventative pet benefits and providing, producing and servicing pet insurance products, including underwriting, policy administration and insurance claims.

This Privacy Policy describes our practices in connection with information we collect when you:

• • Visit our Site;
  • Apply for or obtain a quote for a product or service;
  • View or click on any online content;
  • Receive or reply to email or other electronic communications from us;
  • Interact with us on social media or websites or applications maintained by other parties;
  • Establish an account or otherwise allow us or third parties to contact you;
  • Ask to receive information about our products and services;
  • Create an account;
  • Instruct us to perform a transaction; and/or
  • Register for online access to access your account.

Collectively, we refer to these as ‘Services.”

This Site is controlled and operated by us from the United States and is not intended to subject us to the laws and jurisdictions of any state, country or territory other than that of the United States. For the purposes set forth above we may transfer personal information outside the United States. For example, we may transfer personal information internationally to service providers, business partners, and governmental or public authorities. By providing personal information to us through the Site, you understand that this information may be transferred from the United States to other countries unless otherwise restricted.

When you use, access or interact with our Services (for example, by inputting your information on this website), you are agreeing to our https://www.pumpkin.care/terms-of-use and also consenting to how we collect, share and otherwise use information about you as described in this Privacy Policy.

This Privacy Policy does not cover the privacy practices of third parties that we do not own or control. We may provide third party content or links to third-party websites or applications (for example, links to websites of insurance companies we partner with if you request to view a quote), but the inclusion of a link does not imply endorsement of the linked site or service by us. When you interact with a third-party, you should also read the applicable third party’s privacy policies and terms of service to make sure you understand how they might collect and share information about you.

What Information We Collect

The type of personal information we collect from you varies based on the Services provided. Personal information is information that identifies you as an individual or relates to an identifiable individual. For example, you may provide us with general identification such as your name, telephone number, postal address, email address or financial information.

Unless specifically requested, we ask that you not send us, and you not disclose, any sensitive personal information (e.g., information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics, genetic characteristics, criminal background or trade union membership).

If you submit any personal information of other people to us, you represent that you have the authority to do so and permit us to use the information in accordance with this Privacy Policy.

How We Collect Information

We collect personal information directly from you through the Services we provide. For example, you may provide your contact information when you register on the Site in order to receive a quote for pet insurance.

In addition, we may gather information about you indirectly through your use of the Services. For example, we might track information provided to us automatically by your browser, including your Internet Protocol (IP) address, computer type (Windows or Mac), screen resolution, operating system name and version, device manufacturer and model, language, the website you came from (known as the referring URL), the type of browser you use, the time and date of access, and other information collected via/used by cookies. Please see the section below on Use of Cookies and Other Similar Technologies for more information.

We may also augment the personal information we have about you from other sources, such as public databases, social media platforms and other third parties. For example, we may correlate your location information with public pet health data sets to understand pet health conditions/outcomes relevant to your area to create educational content for pet parents.

How We Use Information

We use your personal information to operate, grow, improve and manage our business operations including, to:

• • Develop, operate, promote and market our products and services or other pet-health related products or services;
  • Process transactions;
  • Notify your veterinary medical care provider of your enrollment and claim activity;
  • Respond to your requests or inquiries and communicate with you;
  • Prevent, detect and investigate crime, including fraud;
  • Comply with legal and regulatory requirements, legal process, contractual obligations and our policies;
  • Establish and defend legal rights, protect our operations and pursue available remedies;
  • Conduct research and data analysis to monitor the performance of our Services, including metrics such as total number of visits, engagement with our Services, and other performance related metrics;
  • Conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all our assets;
  • Perform identity verification; and
  • For any other purpose that we may specifically disclose at the time we collect your information

How We Share Information

We share personal information we collect through our Site available to:

• • Our affiliates for the purposes described in this notice;
  • Our partners (i.e. insurance carriers) to provide the Services;
  • Your Veterinary Clinic;
  • Third-party service providers/vendors to facilitate services they provide to us, such as website hosting, data analysis, payment processing, information technology and related infrastructure provision, customer service, email delivery, auditing, and other services;

  • Affiliates and reputable organizations with which we have strategic alliances or ourselves to assess your future needs and to offer the products and services selected by us that may best meet those needs.

  • Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger; and
  • Governmental or other public authorities, including law enforcement as permitted or required by law

We will limit sharing of your information where appropriate and where legally required.

We may also disclose to third parties aggregated or deidentified information that is not personally identifiable for any purpose.

Understanding Cookies and Similar Technologies

Cookies: Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, and other traffic data. We and our service providers use the information for security purposes, to facilitate navigation, to display information more effectively, and to personalize your experience.

We also gather statistical information about use of the Services in order to continually improve their design and functionality, understand how they are used, and assist us with resolving questions regarding them. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use Cookies or other technologies in online advertising to track responses to our ads. We do not currently respond to browser do-not-track signals.

If you do not want information collected through the use of cookies, most browsers allow you to automatically decline cookies or be given the choice of declining or accepting a particular cookie (or cookies) from a particular website. You may also wish to refer to http://www.allaboutcookies.org/manage-cookies/index.html. If, however, you do not accept cookies, you may experience some inconvenience in your use of the Services. You also may not receive advertising or other offers from us that are relevant to your interests and needs.

Pixel tags and other similar technologies

Pixel tags. Pixel tags (also known as web beacons and clear GIFs) may be used to, among other things, track the actions of users of the Services, measure the success of our marketing campaigns, and compile statistics about usage of the Services and response rates.

Analytics. We use Google Analytics, which may result in a risk or damage to data subjects. This uses cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. This service may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/, and exercise the opt-out provided by Google by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

IP Address. Your IP Address is a number that is automatically assigned to your computer by your Internet Service Provider. An IP Address may be identified and logged automatically in our server log files whenever a user accesses the Services, along with the time of the visit and the pages visited. We use IP Addresses for purposes such as calculating usage levels, diagnosing server problems, and administering the Services. We may also derive your approximate location from your IP Address.

Physical Location. We may collect the physical location of your device by, for example, using satellite, cell phone tower or WIFI signals. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. In some instances, you may be permitted to allow or deny such uses and/or sharing of your device’s location, but if you do, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content.

Interactive Services

If you engage in any interaction with us, other website users or any third-party via the Interactive Services, you should be aware that any personal information that you submit by and through the Interactive Services may be read, collected and/or used by other users of these services, and could be used to send you unsolicited messages or otherwise to contact you without your consent. We are not responsible for the personal information, if any, that you choose to submit via the Interactive Services. “Interactive Services” mean the comments sections that may be associated with blog posts, reviews, and/or other interactive features made available on the Site.

Linking to Third-Party Websites

This Privacy Policy does not cover the privacy practices of third parties that we do not own or control. We may provide third party content or links to third-party websites or applications (for example, links to websites of insurance companies we partner with if you request to view a quote). When you leave our Services or interact with a third-party feature, you should also read the applicable third party’s privacy policies and terms of service to make sure you understand how they might collect and share information about you.

How We Protect Your Information

We seek to use reasonable administrative, technical and physical safeguards, and other security measures to protect personal information within our organization from growing threats. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the contact methods provided below.

Your Privacy Choices

You may be given the option of receiving recurring informational/promotional e-mails from affiliates and third parties working with Pumpkin. You may unsubscribe to opt-out from receiving any informational/promotional material by following the instructions as mentioned in the e-mail or included in each program we send to you. Please note that if you opt out of receiving promotional emails from us, we may still send you important administrative messages, from which you cannot opt out.

If you would like to access, delete, review, or update personal information that you have provided to us, you may contact us as indicated in the Contact Us section. For your protection, we may need to verify your identity before implementing your request. We will respond to your request consistent with applicable law. California residents should refer to the separate CCPA notice for more information about privacy requests they can make.

Third Party Advertising

We use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use the Services and other websites or online services. You may receive advertisements based on information relating to your access to and use of the Services and other websites or online services on any of your devices, as well as on information received from third parties. These companies place or recognize a unique cookie on your browser (including through the use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop.

If you would like more information about this practice, and to learn how to opt out of it in desktop and mobile browsers on the particular device on which you are accessing this Privacy Policy, please visit http://optout.aboutads.info/#/ and http://optout.networkadvertising.org/#/.

Minors

Our Services are not directed at nor intended for children under the age of 13. We do not knowingly collect personal information from children under the age of 13.

Changes to this Privacy Policy

We may amend this Privacy Policy at any time. When we do, we will let you know by appropriate means such as posting the revised statement on this page with a new “Last Updated” date. Changes to this Privacy Policy will become effective when posted unless otherwise indicated.

Contact Us

If you have any questions concerning our Privacy Policy, please contact us at:

Pumpkin Insurance Services Inc.; or
Sprout Wellness Services LLC (d/b/a Pumpkin Wellness Club)
Attn: legal
432 Park Ave S
Floor 12
New York, NY 10016
Or:
[email protected]

Independence American Insurance Group
11333 N. Scottsdale Rd.,
Ste. 160
Scottsdale, AZ 85254
(855) 281-1108
[email protected]

Individuals with disabilities who wish to access this Privacy Policy in an alternative format can contact us by calling us at: 1‑866‑273‑6369; emailing us at: [email protected] or sending us mail to: 432 Park Ave S, Floor 12, , New York NY 10016