Terms & Conditions

1. About PuppyProtect.ie

PuppyProtect.ie is a trading name of dogs.ie and lifeandprovide.com. We act as an insurance intermediary, arranging pet insurance products on behalf of our customers. Our role is to assist you in identifying suitable pet insurance cover and to place that cover with an authorised insurer.

PuppyProtect.ie is a registered business name in Ireland. Our offices are located in Ireland and we operate exclusively within the Irish market.

2. Regulatory Status

Life and Provide Ltd (trading as lifeandprovide.com) is the registered insurance broker and is regulated by the Central Bank of Ireland. Life and Provide is the sole entity authorised to arrange and place insurance policies on behalf of customers through PuppyProtect.ie. PuppyProtect.ie itself is not a registered insurance broker.

Insurance intermediaries in Ireland are regulated by the Central Bank of Ireland under the European Union (Insurance Distribution) Regulations 2018 and the Consumer Protection Code 2012 (as amended).

You may verify the regulatory status of Life and Provide Ltd by contacting the Central Bank of Ireland at www.centralbank.ie or by calling +353 1 224 6000.

We do not provide financial advice. The information presented on this website is intended for general information purposes only and does not constitute a personal recommendation or financial advice. You should consider seeking independent financial advice before making insurance decisions.

3. Insurance Intermediary Disclosure

In accordance with the Consumer Protection Code, we wish to make the following disclosures:

• We act as an agent of the customer when arranging insurance cover.
• We may receive commission and other payments from insurers in respect of policies arranged.
• Details of our commission arrangements are available on request.
• We hold professional indemnity insurance as required by law.
• We do not hold client money in any capacity — premiums are transmitted directly to the insurer.

4. Financial Compensation Disclosure

5. Your Policy

All pet insurance policies arranged through PuppyProtect.ie are underwritten by authorised insurers. The terms, conditions, and exclusions of your cover are set out in the policy document provided by the insurer. It is your responsibility to read your policy documentation carefully and ensure the cover meets your requirements.

PuppyProtect.ie is not the insurer and does not guarantee the solvency of any insurance company with which we place business. In the event that an insurer becomes insolvent, you may be protected under the Insurance Compensation Fund, subject to certain limits.

6. Cooling-Off Period

Under the Consumer Protection Code and European Union (Insurance Distribution) Regulations, you have the right to cancel your policy within 14 days of receiving your policy documentation, without penalty and without giving any reason. This is known as the "cooling-off period".

To exercise this right, contact us in writing within the 14-day period. A full refund of premiums paid will be issued, provided no claim has been made during this time.

7. Complaints Procedure

We are committed to providing a high standard of service. If you are dissatisfied with any aspect of our service, please contact us in writing and we will investigate your complaint promptly.

We will acknowledge receipt of your complaint within 5 business days and aim to resolve it within 40 business days, in line with the Central Bank's Consumer Protection Code.

If you remain dissatisfied following our investigation, you have the right to refer the matter to the Financial Services and Pensions Ombudsman (FSPO):

8. Data Protection & Privacy

We take the protection of your personal data seriously. All personal information collected through this website and during the quotation and application process is handled in accordance with:

• The General Data Protection Regulation (EU) 2016/679 (GDPR)
• The Data Protection Act 2018 (Ireland)
• The ePrivacy Regulations (S.I. No. 336 of 2011)

We collect personal data (including your name, contact details, address, and pet information) solely for the purpose of arranging insurance cover and managing your policy. Your data may be shared with the underwriting insurer for this purpose.

We will not share your personal information with third parties for marketing purposes without your explicit consent. You have the right to access, rectify, erase, or restrict the processing of your personal data at any time by contacting us.

This website uses privacy-first analytics that do not collect personal data or use cookies.

9. Website Terms of Use

By using this website, you agree to the following terms:

• The content on this website is provided for general information purposes and does not constitute advice.
• Quotes provided through this website are indicative and subject to the terms of the underwriting insurer.
• We make reasonable efforts to ensure the accuracy of information on this website but do not guarantee that it is complete, accurate, or up to date.
• We reserve the right to modify these terms at any time. Continued use of the website constitutes acceptance of any changes.
• This website and its content are protected by copyright. You may not reproduce or redistribute any content without our written permission.

10. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Ireland. Any disputes arising from the use of this website or our services shall be subject to the exclusive jurisdiction of the Irish courts.

11. Contact Us

If you have any questions about these terms, our services, or your data, please contact us: