Terms and Conditions
Last Updated: October 23, 2025
1. Agreement to Terms
Welcome to Kibble and Coverage (https://kibbleandcoverage.com), (the “Site”). These Terms and Conditions (“Terms”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Kibble and Coverage (“we,” “us,” or “our”), concerning your access to and use of the Site.
You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.
2. Intellectual Property Rights
Unless otherwise indicated, the Site is our proprietary property. All source code, databases, functionality, software, website designs, text, photographs, graphics, and our logo (collectively, the “Content”) are owned or controlled by us and are protected by copyright and trademark laws.
The Content is provided on the Site “AS IS” for your personal, non-commercial use only. Except as expressly provided in these Terms, no part of the Site or Content may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
3. User Representations
By using the Site, you represent and warrant that:
- You have the legal capacity and you agree to comply with these Terms.
- You will not access the Site through automated or non-human means (such as a bot, script, or scraper).
- You will not use the Site for any illegal or unauthorized purpose.
- Your use of the Site will not violate any applicable law or regulation.
4. Prohibited Activities
You may not access or use the Site for any purpose other than that for which we make the Site available. You may not:
- Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
- Make any unauthorized use of the Site, including collecting user data by electronic or other means.
- Use the Site to advertise or offer to sell goods and services (other than through our authorized affiliate links).
- Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
- Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.
5. Third-Party Websites and Content
The Site contains (or you may be sent via the Site) links to other websites (“Third-Party Websites”) as well as articles, photographs, text, and graphics belonging to or originating from third parties (“Third-Party Content”). Such Third-Party Websites (e.g., our affiliate partners like Chewy, Lemonade, Petco) are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us.
We are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site. Inclusion of, linking to, or permitting the use of any Third-Party Website or any Third-Party Content does not imply approval or endorsement thereof by us.
6. Site Management
We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms; and (3) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.
7. Disclaimers (Limitation of Liability)
THIS IS A KEY SECTION. PLEASE READ IT CAREFULLY.
The Site is provided on an as-is and as-available basis. You agree that your use of the Site and our services will be at your sole risk.
WE ARE NOT VETERINARIANS OR MEDICAL PROFESSIONALS. All content on this site is for informational and analytical purposes only and does not constitute professional veterinary or medical advice. Please consult our full Disclaimer for more details.
We make no warranties or representations about the accuracy or completeness of the Site’s content. Prices, plan details, and product formulations change frequently; you must verify all information with the manufacturer or service provider before making a purchase.
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILE_90ddfb.jpgTY OF SUCH DAMAGES.
8. Indemnification
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Site; (2) your breach of these Terms; or (3) your violation of the rights of a third party, including but not limited to intellectual property rights.
9. Governing Law
These Terms and your use of the Site are governed by and construed in accordance with the laws of the State of Wyoming applicable to agreements made and to be entirely performed within the State of Wyoming, without regard to its conflict of law principles.
10. Contact Us
In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at: