Corporate Identity Details

Grievance Redressal Mechanism

We are committed to addressing and resolving all customer grievances in a timely and efficient manner. Our grievance redressal mechanism is designed to ensure quick resolution of any concerns or issues.

Privacy Policy

Effective Date: [Date]

At Petos Insurance & Technologies Pvt Ltd ("Petos", "we", "us", or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

Information We Collect

• Personal identification information (name, email address, phone number)
• Pet information (name, species, breed, age, medical history)
• Financial information for payment processing
• Usage data and interaction with our platform
• Device and browser information

How We Use Your Information

• To provide and maintain our services
• To process insurance claims and payments
• To communicate with you about our services
• To improve and customize our platform
• To comply with legal obligations

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Your Rights

You have the right to access, correct, update, or delete your personal information at any time by contacting us.

Contact Us

For any privacy-related concerns, please contact us at:

Email: contact@mypetos.com
Phone: +91 85955-55718

Terms of Use / Disclaimer

Acceptance of Terms

By accessing and using our website, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

Use of Website

You agree to use our website only for lawful purposes and in accordance with these Terms of Use. You agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Upload or transmit any malicious code or harmful content
• Engage in any activity that could damage our systems or reputation

Insurance Services

Our insurance products are provided in accordance with the terms and conditions of the respective insurance policies. We act as a corporate agent and do not underwrite the insurance policies.

Limitation of Liability

We shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

Refund & Cancellation Policy – Petos Insurance

This Refund & Cancellation Policy ("Policy") outlines the terms and conditions governing cancellation of Petos Insurance plans and the corresponding refund eligibility. By purchasing a Petos policy, the policyholder ("Insured") acknowledges and agrees to the terms stated herein.

1. Cancellation by the Insured

• The Insured may cancel the policy at any time by providing a minimum of fifteen (15) days' prior written notice to Petos.
• A refund shall be processed only if no claim has been submitted, made, admitted, or is under consideration during the policy period.
• Where any claim has been filed (irrespective of outcome), no refund shall be payable, and the policy shall be deemed fully utilized for the respective policy term.

2. Cancellation by Petos

Petos reserves the right to cancel the policy by providing fifteen (15) days' written notice to the Insured in cases including, but not limited to:

• Fraudulent activity
• Willful misrepresentation
• Non-disclosure or suppression of material facts

In such cases, if no claim has been made during the policy period, refund shall be processed in accordance with the Short-Period Refund Scale set out below.

3. Refund Eligibility — Short-Period Scale

Where the policy is cancelled and no claim has been made, the refund of premium shall be calculated on a short-period basis, depending on the number of days the policy has remained in force.

4. Free-Look Period

Where applicable, the Insured shall be entitled to cancel the policy within fifteen (15) days from the date of receipt of the policy document ("Free-Look Period").

A full refund of the premium shall be provided, subject to the following conditions:

• No claim has been made during the Free-Look Period
• The policy document is returned within the stipulated timeframe

Applicable administrative or stamp charges may be deducted where permitted by law.

5. Non-Refundable Scenarios

No refund shall be payable under the following circumstances:

• Any claim has been filed or is under review during the policy term
• Cancellation is requested after 181 days from the policy start date
• Breach of policy terms or material non-compliance by the Insured

6. Refund Processing

• All refunds are processed subject to Petos' internal audit, verification, and regulatory requirements.
• Approved refunds shall be made to the original payment method within standard processing timelines communicated by Petos.

Petos reserves the right to amend, modify, or update this Policy in accordance with regulatory guidelines and internal compliance obligations.

Partners

We have partnered with QubeHealth (QB Health Technologies Private Ltd.) for offering healthcare services/payment facilitation to our users.