Terms & Conditions

These Website Terms of Use apply to this website operated by Pet Tag Holdings Pty Ltd ABN 76 124 601 127 (trading as Bow Wow Meow Pet Insurance) (referred to herein as we, us, our) under the domain name www.bowwowinsurance.com.au (Website).

By proceeding beyond the home page you agree to accept these Terms of Use.

We reserve the right to amend these Terms of Use at any time without notice, and the amended Terms of Use will be effective from the time when it is posted to this Website.  Your continued use of this Website after the amendment to these Terms of Use will be regarded as your acceptance of the amended Terms of Use.


Copyright and submitted material

All materials and information on this Website including without limitation any logo, design, text, graphic and their arrangement (Content) are licensed to or owned by us.  Unless we otherwise indicate, you must not copy, distribute, republish, download, display, post or transmit the Content in any form or by any means including but not limited to electronic, mechanical or otherwise without our prior consent.  You may access and use the Content and this Website for your own personal use only.  Unless expressly permitted otherwise, you must not do anything to alter, modify or add to the Content.  We reserve the right to remove any Content from the Website at any time, for any reason or for no reason at all.



We may provide links on this Website to the websites operated by third parties.  You acknowledge and agree that we do not control nor monitor these third party websites.  We do not make any representations about and cannot accept any liability for these websites operated by third parties.  A link to a third party website on this Website does not imply that we in any way endorse the content of that third party website.  Your access to third party websites may be governed by their own terms of use.  You may not create a link to this Website from another website or document without our prior written consent.



The Privacy Statement applicable to this Website explains how personal data will be treated as you access and interact with this Website and can be accessed here.


User conduct

You are responsible for your activity in connection with accessing the Website.  Any fraudulent, abusive, or otherwise illegal activity may be grounds for termination of your access to the Website.  You may not post or transmit, or cause to be posted or transmitted, any communication or solicitation designed or intended to obtain personal data from any Website user.

In accessing this Website, you must not:

  • disrupt or interfere with the Website, or any services, system resources, accounts, servers or networks connected to or accessible through this Website or linked websites;
  • disrupt or interfere with any other user’s enjoyment of this Website or linked websites;
  • use any robot, spider, other automatic device or manual process to monitor, copy or extract any web pages on the Website, or any of the Content, without our prior written permission;
  • take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Website;
  • reverse engineer, reverse assemble or otherwise attempt to discover source code or other arithmetical formula in respect of the software underlying the infrastructure and processes associated with the Website;
  • use the Website to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material including material that are deemed threatening or obscene, or engage in any kind of illegal activity;
  • engage in any kind of illegal, criminal or tortious activity through the use of the Website, including infringement of any third party intellectual property rights (including without limitation copyright, trade marks, patent, trade secrets and confidential information), fraud, child pornography, trafficking in obscene material, violation of applicable export restrictions, drug dealing, gambling, harassment, stalking, spamming, hacking, sending of viruses or other harmful files, or illegal posting of computer passwords or computer code;
  • attempt to obtain unauthorised access to this Website or parts of this Website that are not opened to public access; or
  • post or transmit to or via this Website any material that may infringe the intellectual property rights of any third party, or any defamatory, derogatory or offensive material or publication.

You must comply with all applicable local, state, national and international laws and regulations that relate to your use of or activities on this Website. We reserve the right to report potentially criminal activity to appropriate law enforcement agencies.



The Website uses cookies stored on your computer or device which allows us to track the manner in which you utilise the Website, to re-market products and services to you and to aggregate usage data for the purposes of improving the Website and any advertising associated with the Website.

If you do not want your information collected or usage patterns tracked through cookies, you should be able to disable them within your internet browser. However, if you disable cookies within our Website, you may find yourself unable to utilise some or all of its functionality.



You agree to indemnify and hold us (and our related bodies corporate, directors, officers, employees, agents and contractors) harmless from any claim, action, demand, loss or damages made or incurred by any third party arising out of or relating to your conduct, your use of the Website, your breach of these Terms of Use, or your breach of any rights of third parties.


Warranties and disclaimers

The material on this Website is intended for use in Australia. The Website is not intended for use outside Australia. We make no claim that the information contained on this Website is appropriate or may be downloaded legally outside Australia. If you access this Website outside of Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.

The Content and this Website are provided “as is” and “as available” and are for information purposes only. Images and photographs depicted and displayed on this Website are intended to be a visual aid only and do not necessarily accurately reflect the object described.  The results of any quiz or questionnaire and any recommendation that may be provided do not represent any veterinary or other advice on which reliance should be placed and users must ensure that they take appropriate steps (including obtaining any professional advice) to ensure that any breed that is selected by them is suitable in all respects for the purposes intended by them.  To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, or non-infringement.  In particular, we do not give any warranty, guarantee, undertaking, assurance or promise (whether express or implied) that a particular breed of dog will meet the requirements and/or expectations or be suitable for each user and their families’ purposes as this depends on numerous factors, including (but not limited to) the individual personality or temperament of each dog.

We do not warrant that this Website or the server that operates it is free from viruses or other corrupted materials or occasional outages or disruption to service which prevent you from accessing this Website or that use of this Website will be compatible with the hardware and software you are using to access it.  You assume the entire cost of all necessary servicing, repair, or correction.  We do not warrant or make any representations regarding the use or the results of the use of the Content or this Website in terms of their correctness, accuracy, reliability, or otherwise.

Your use of this Website including all Content or data distributed by, downloaded or accessed from or through this Website is solely at your own risk.  Before taking or refraining from any action in reliance on the Content or this Website, you must make and rely on your own enquiries in relation to, and in evaluation of, the Content including any information, predictions, recommendations, results of any quiz or questionnaire, opinions and statements contained in this Website.


Limitation of liability

Subject to any responsibilities implied by law which cannot be excluded, we (including, in this limitation of liability clause, our related bodies corporate, directors, officers, employees, agents and contractors) expressly disclaim all liability to you or any other persons for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to the Content or this Website (or material accessed via this Website), or to access of the Website by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise. To the full extent permitted by law, any liabilities imposed on us, or implied into these Terms of Use, under any law are hereby excluded.

Nothing in these terms and conditions is intended to exclude, restrict or modify rights which you may have under the Competition and Consumer Act or any other legislation which may not be excluded, restricted or modified by agreement.


Termination and suspension

We reserve our right, without notice and in our sole and absolute discretion, to discontinue, suspend or terminate any service offered by or through this Website as well as this Website at any time.  All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, disclaimers, indemnities and limitations of liability.



If any parts of these Terms of Use are deemed unlawful void or for any reason unenforceable then that provision may be severed from these Terms of Use and it will not affect the validity and enforceability of the remaining provisions.



No waiver by us of our rights under these Terms of Use shall be deemed a waiver of any other term or provision and shall be limited to a single waiver limited to the specific circumstances under which such waiver was granted.


Applicable law

These Terms of Use are governed by and construed in accordance with the laws of New South Wales, Australia. You hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of the courts of New South Wales, Australia.