Terms of Use
Acceptance of the Terms of Use
Last Modified: October 1, 2025
Welcome to the website of adoro Pet Insurance Services LLC) (“adoro”). The following Terms of Use govern your access to and the use of http://www.adoropet.com (the “Website”), including any content, functionality and services offered on or through the Website, whether as a guest/visitor or a registered user, as applicable.
Please read these Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use the Website. The Website is offered and available to users who are 18 years of age or older, and reside in the United States. By using the Website, you represent and warrant that you are of legal age to form a binding contract with adoro and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
adoro reserves the right to modify these Terms of Use at any time. Continued use of the Website by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.
Accessing the Website
adoro reserves the right to withdraw or amend the Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
Prohibited Uses
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
- In any way that violates any applicable federal, state, local, or international law or regulation including, without limitation, any laws regarding the export of data or software to and from the US or other countries;
- to impersonate or attempt to impersonate adoro, an adoro employee, contractor or agent, another user, or any other person or entity including, without limitation, by using e-mail addresses (or user names) associated with any of the above mentioned;
- to transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation; and/or
- to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm adoro or users of the Website or expose them to liability.
Additionally, you agree not to:
- Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website;
- use any robot, spider, or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website;
- use any device, software, or routine that interferes with the proper working of the Website;
- use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without adoro’s prior written consent;
- introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
- attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website; and/or
- otherwise attempt to interfere with proper working of the Website.
Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of the information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
The Website may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in any such materials, and all articles and responses to questions and other content, other than the content provided by adoro, are solely the opinions and the responsibility of the person or entity providing those materials. Any such materials do not necessarily reflect the opinion of adoro. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party sites linked to the Website, you do so entirely at your own risk and subject to the terms of use for such websites.
Payment Update Services
Our third-party billing service receives updated card account status including cancellation of the card account and changes to card number and/or expiration dates from the issuers of payment cards. We use this information to seamlessly continue your service in the event you have an update to your payment card. Payment cards issued by certain banks are not eligible for this service and members should check with their card issuers to determine eligibility for this service or to opt out of this service.
Linking to the Website and Social Media Features
You may link to adoro’s homepage, provided you do so in a way that is fair, in compliance with all applicable laws, rules and regulations, and does not damage our reputation; provided that you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.
You may use Website features solely as they are provided by us, and solely with respect to the content they are displayed with.
We may disable all or any Website features and any links at any time without notice, in our sole discretion.
Disclaimer of Warranty
The content and materials in the Website are provided “as is” and without representations or warranties of any kind, either express or implied. adoro expressly disclaims all warranties, express or implied, with respect to the Website including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. adoro does not warrant or represent that the functions or operations of the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website, its servers or any e-mail sent from adoro are free of viruses or other harmful components.
The information, products software or service descriptions published on the Website or a linked Website may include inaccuracies or typographical errors. adoro disclaims liability for such errors and does not warrant or represent that the content on the Website or a linked web Website is updated or complete. adoro has no obligation to update any content on the Website and may change or improve the Website at any time without notice.
The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.
Limitation of Liability
adoro shall not be liable for any injury, loss, claim, or damage, nor any indirect, special incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, that arise out of (a) the use of, or inability to use, the Website or content found in the Website, or (b) unless resulting from the gross negligence or intentional actions of adoro, the unauthorized access to or alteration of your transmissions of data, even if adoro has been advised of the possibility of such damages.
The foregoing does not affect any liability that cannot be excluded or limited under applicable law.
Enforceability
Should any provision of these Terms of Use be held invalid, unlawful, or for any reason unenforceable, then the invalid, unlawful, or unenforceable provision shall be severable from the remaining provisions. Any such invalid, unlawful or unenforceable provisions will not affect the validity or enforceability of the remaining provisions.
Availability of Products
adoro makes no representation that all insurance products and services on the Website are appropriate or available for use where you live. Some insurance products and services may not be available in all jurisdictions. If you choose to access the Website, you do so on your own initiative and are responsible for compliance with any applicable local, state, and federal laws, rules and regulations.
Visitor Submissions
All communications initiated by you (also defined here as a “Visitor”) and made to or through any portions of the Website that permit uploading of questions, comments or other material are hereby considered “Visitor Submissions”.
If you make a Visitor Submission, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to the adoro Privacy Policy or otherwise injurious to adoro or any other third party (including any infringing materials or materials that purport to or actually include personal information about others); and that will not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by adoro), consist primarily of a solicitation, be political in nature, or the like. Where an e-mail address is required to upload Visitor Submissions, you agree to use a valid e-mail address and represent that you are the individual identified by the address. If you wish to submit materials to the Website, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.
Visitor Submissions will be considered non-confidential and non-proprietary. Visitor Submissions become the property of adoro and you grant adoro a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as appropriate and for any purpose, anywhere in the world, including into those forms that may constitute advertising and/or other marketing. If you submit a Visitor Submission, you are also granting to adoro the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submissions. If you make a Visitor Submission, you represent and warrant to adoro that you own or control all rights in and to the Visitor Submission and have the right to grant the ownership and license above to adoro.
Visitor Submissions used, displayed or propagated by adoro or others licensed by adoro to use Visitor Submissions may be attributed to you unless you have expressly requested anonymity. adoro reserves the right to select among the Visitor Submissions for material it chooses to use, subject to adoro’s sole discretion and judgment. adoro otherwise reserves the right to remove Visitor Submissions from the Website pursuant to its discretion and judgment, but maintains no obligation to do so.
Emails to adoro Addresses
The adoro email system is a private email system intended only for purposes authorized by adoro. You are not authorized to send numerous unsolicited commercial email messages to any email address ending in @adoropet.com. adoro reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.
Secured Areas/Passwords
Some portions of the Website may be restricted and require authorization for access. Unauthorized use of or access to any such areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored, and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas. It is a condition of your use of the Website that all information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with the Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by the adoro Privacy Policy, and you consent to all actions we take with respect to your information consistent with the adoro Privacy Policy.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. adoro will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact adoro. adoro will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information, adoro encourages you to change your password every six months.
We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time, in our sole discretion for any or no reason, including if, in our opinion, there has been a violation any provision of these Terms of Use or of the adoro Privacy Policy.
Insurance Quotes/Coverages
All quotes generated by the Website are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage and are subject to change at any time. Your quote may differ from your final premium amount due, for example, to the passage of time between the quote and your policy application or if the information you provide on your policy application differs from what was provided for the quote.
Any coverage descriptions provided on the Website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to adoro. All applications are subject to underwriting approval. Coverages and availability may vary by state.
Employment Opportunities
adoro is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, ethnicity, religion, national origin, age, disability (so long as such disability can be reasonably accommodated), or any other status protected by applicable law. adoro encourages all qualified applicants to apply.
Disputes
ALL CLAIMS OR DISPUTES ARISING FROM OR RELATING TO THESE TERMS OF USE BETWEEN YOU AND ADORO AND/OR ADORO’S OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, ASSIGNS, AFFILIATES, PARENTS, AND SUBSIDIARIES WILL BE SUBJECT TO BINDING ARBITRATION AND PRESIDED OVER BY AN ARBITER SELECTED BY THE AMERICAN ARBITRATION ASSOCIATION, AND SHALL BE RESOLVED EXCLUSIVELY AND FINALLY BY BINDING ARBITRATION IN SEATTLE, WASHINGTON, WITH THE COSTS OF SUCH ARBITRATION BEING SHARED EQUALLY BY BOTH PARTIES.
You agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of Washington, without regard to principles of conflict of laws, will govern these Terms of Use.
Waiver of Class Action Rights
IN ANY DISPUTE, NEITHER YOU NOR ANY OTHER PERSON SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER AFFILIATES OR PERSONS, OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR CLASS ACTION OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO ANY SUCH CLAIM.
Intellectual Property Rights
The Website and its entire contents, features, and functionality (including, but not limited to, all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by adoro, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:
- Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
- You may store files that are automatically cached by your Web browser temporarily for display enhancement purposes.
- If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.
- You may print (or download) one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
- If we provide social media features with certain content, you may take such actions as are enabled by such features.
You must not:
- Modify copies of any materials from the Website.
- Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website.
You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by adoro. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.
The adoro name, logo and all related names, logos, product and service names, designs, and slogans are trademarks of adoro or its affiliates or licensors. You must not use such marks without the prior written permission of adoro. All other names, logos, product and service names, designs, and slogans on the Website are the trademarks of their respective owners.