Privacy Policy

Last updated: 10 June 2026

Murphy's Cover is a trading name of Murphys Cover Pty Ltd (ABN 92 697 734 660, ACN 697 734 660). We are a performance marketing and referral business. We are not an insurer, broker, or financial adviser. We connect dog owners with licensed pet insurance providers so they can explore their options directly with those providers.

This Privacy Policy explains how we collect, use, disclose, and protect your personal information. By using our website or submitting an enquiry, you agree to the practices described in this policy.

1. Who We Are

Murphys Cover Pty Ltd is an internationally operating performance marketing business registered in Queensland, Australia. We operate consumer acquisition funnels in Australia and the United States. Our website is murphyscover.com and you can contact us at murphy@murphyscover.com.

2. What Information We Collect

We may collect the following personal information when you use our website or submit an enquiry:

• Your first name

• Phone number

• Email address

• Postcode or ZIP code

• Information about your dog (such as breed, age, and size)

• Any other information you provide via our enquiry forms

We may also collect limited technical information automatically, including:

• IP address

• Browser type and version

• Device information

• Website usage data via cookies and similar technologies

3. How We Collect Information

We collect personal information:

• When you complete an enquiry form on our website

• When you contact us directly

• Through website analytics tools

• Through cookies and similar tracking technologies

4. Why We Collect Your Information

We collect your personal information to:

• Process your enquiry and connect you with a licensed pet insurance provider

• Facilitate contact between you and our insurance partners

• Improve our website and services

• Comply with applicable legal obligations

• Send you relevant follow-up communications where you have consented

5. Disclosure of Information

By submitting an enquiry, you consent to your personal information being shared with a selected licensed pet insurance provider. That provider may contact you by phone, email, or SMS to discuss pet insurance products and services. We allocate each enquiry exclusively to one provider — your details are not shared with multiple insurers simultaneously.

We may receive a referral fee for connecting you with a licensed insurance provider. This does not increase the cost to you. We do not sell your personal information to unrelated third parties.

We may also disclose your information where required by law or regulation.

6. Data Retention

We retain your personal information for as long as is necessary to fulfil the purposes described in this policy, or as required by applicable law. You may request deletion of your information at any time by contacting us at murphy@murphyscover.com.

7. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. However, no data transmission over the internet can be guaranteed as completely secure. If you believe your information has been compromised, please contact us immediately.

8. Cookies

Our website uses cookies and similar technologies to enhance user experience and analyse website traffic. Cookies are small files stored on your device. You can adjust your browser settings to disable cookies, though this may affect the functionality of our website.

We use the following types of cookies:

• Essential cookies required for the website to function

• Analytics cookies to understand how visitors use our site (such as Meta Pixel and Google Analytics)

• Advertising cookies to measure the effectiveness of our paid campaigns

9. Overseas Disclosure

Murphys Cover Pty Ltd is registered in Australia and operates internationally. Your personal information may be transferred to and processed by service providers or insurance partners located in Australia, the United States, or other countries. We take reasonable steps to ensure your information is handled securely and in accordance with applicable privacy laws regardless of where it is processed.

10. Access and Correction

You may request access to the personal information we hold about you, or request corrections if it is inaccurate. To make a request, please contact us at murphy@murphyscover.com. We will respond within a reasonable timeframe.

11. Australian Residents — Additional Information

For Australian residents, Murphys Cover Pty Ltd handles your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

If you are not satisfied with our response to a privacy complaint, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: oaic.gov.au

• Phone: 1300 363 992

12. US Residents — Additional Information (Including California)

If you are a resident of the United States, the following additional terms apply.

California Consumer Privacy Act (CCPA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to Know. You have the right to request information about the categories and specific pieces of personal information we have collected about you, the sources of that information, the purposes for collecting it, and the categories of third parties with whom we share it.

• Right to Delete. You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.

• Right to Correct. You have the right to request that we correct inaccurate personal information we hold about you.

• Right to Opt Out of Sale or Sharing. We do not sell your personal information to third parties. We do share your information with licensed pet insurance providers for the purpose of fulfilling your enquiry request, which you consent to at the point of submission.

• Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights.

To exercise any of these rights, please contact us at murphy@murphyscover.com. We will respond to verified requests within 45 days as required by law.

Other US States

Residents of other US states including Virginia, Colorado, Connecticut, Texas, and Utah may have similar privacy rights under applicable state law. To exercise any privacy rights, please contact us at murphy@murphyscover.com.

CAN-SPAM Act

Any commercial email communications we send comply with the requirements of the CAN-SPAM Act. You may opt out of receiving commercial emails from us at any time by contacting murphy@murphyscover.com or using the unsubscribe link included in any email we send.

TCPA Notice

By submitting your phone number through our enquiry form, you consent to being contacted by a licensed pet insurance provider by phone or SMS regarding pet insurance products and services. Standard message and data rates may apply. You may opt out at any time by replying STOP to any SMS message or by contacting us at murphy@murphyscover.com.

13. Children's Privacy

Our website and services are not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately at murphy@murphyscover.com.

14. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the date at the top of this page. We encourage you to review this policy periodically. Continued use of our website after any changes constitutes your acceptance of the updated policy.

15. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your personal information, please contact us:

Murphys Cover Pty Ltd
ABN 92 697 734 660 | ACN 697 734 660
Email: murphy@murphyscover.com
Website: murphyscover.com