Terms and Conditions

Last updated: 10 June 2026

Welcome to Murphy's Cover. By accessing or using this website, you agree to the following terms and conditions. Please read them carefully before submitting an enquiry.

1. About Us

Murphy's Cover is a trading name of Murphys Cover Pty Ltd (ABN 92 697 734 660, ACN 697 734 660), an internationally operating performance marketing and referral business registered in Queensland, Australia.

We operate consumer acquisition funnels in Australia and the United States. We are not an insurer, broker, financial adviser, or comparison service. We connect dog owners with licensed third-party pet insurance providers so they can explore their options directly with those providers. We do not provide insurance products, financial product advice, or personal advice of any kind.

2. No Financial or Insurance Advice

Murphy's Cover does not provide financial, insurance, or personal advice. Any information provided on this website is general in nature and does not take into account your individual objectives, financial situation, or needs.

You should consider whether any insurance product is appropriate for your circumstances and seek independent advice if required. Murphy's Cover makes no recommendation as to any specific insurance product, provider, level of cover, or policy terms.

3. Our Role

By submitting your details through this website, you agree that Murphy's Cover may:

• Collect and store your personal information as described in our Privacy Policy

• Share your details with one licensed pet insurance provider or partner for the purpose of facilitating contact

• Receive a referral fee or commission from that provider as a result of your enquiry

Murphy's Cover does not guarantee that you will receive a quote, policy, or any specific outcome from submitting an enquiry. Each enquiry is allocated exclusively to one provider. Your details are not shared with multiple insurers simultaneously.

4. Third-Party Providers

Any insurance products or services discussed or provided following your enquiry are provided by independent licensed third-party insurers. Murphy's Cover is not responsible for:

• The content, accuracy, or availability of any third-party insurance offer

• Any advice, recommendations, or policies issued by third-party providers

• Any decisions made by providers or outcomes arising from your interaction with them

• Any claims, disputes, or complaints relating to insurance products or services provided by third parties

Your interaction with any insurance provider is solely between you and that provider. Murphy's Cover is not a party to any insurance contract or policy.

5. Fees and Commissions

Murphy's Cover may receive a referral fee or commission from licensed insurance providers when a consumer enquiry is submitted through our platform. This referral fee is paid by the provider and does not affect the price you pay for any insurance product. You are under no obligation to purchase any product as a result of submitting an enquiry.

6. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting an enquiry through our website. Murphy's Cover is not responsible for any outcomes resulting from incorrect, incomplete, or misleading information provided by you.

While we take reasonable steps to ensure the information on our website is accurate and up to date, we make no warranty or representation that the information is complete, current, or free from error.

7. Consent to Contact

By submitting an enquiry through our website, you explicitly request and consent to being contacted by a licensed pet insurance provider by phone, email, or SMS to discuss pet insurance products and services.

You acknowledge that:

• This contact is solicited by you at the point of submission

• Standard message and data rates may apply to SMS communications

• You may opt out of further communications at any time by contacting the relevant provider directly or by contacting us at murphy@murphyscover.com

8. Website Use

You agree not to misuse this website or use it for any unlawful purpose. You must not:

• Submit false, fraudulent, or misleading information

• Attempt to gain unauthorised access to any part of our website or systems

• Use the website in any way that could damage, disable, or impair its functionality

• Use automated means to access or interact with our website without our prior written consent

We may update or modify this website at any time without notice and reserve the right to restrict or terminate access at our discretion.

9. Intellectual Property

All content on this website including text, graphics, logos, images, and software is the property of Murphys Cover Pty Ltd or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this website without our prior written consent.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Murphys Cover Pty Ltd is not liable for any direct, indirect, incidental, special, or consequential loss or damage arising from:

• Your use of or inability to use this website

• Reliance on any information provided on this website

• Your interactions with third-party insurance providers

• Any insurance product, policy, or service obtained through a provider introduced by Murphy's Cover

• Any unauthorised access to or alteration of your data

Nothing in these terms limits liability that cannot be excluded under applicable consumer protection law, including the Australian Consumer Law or applicable US consumer protection statutes.

11. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these terms by reference. Our Privacy Policy outlines how we collect, use, store, and disclose your personal information in accordance with applicable privacy laws including the Privacy Act 1988 (Cth) for Australian users and applicable US state and federal privacy laws including the California Consumer Privacy Act (CCPA) for US users.

12. Changes to These Terms

We may update these Terms and Conditions from time to time. When we do, we will update the date at the top of this page. Continued use of the website after any changes constitutes your acceptance of the updated terms. We encourage you to review this page periodically.

13. Governing Law

These terms are governed by and construed in accordance with the following laws depending on your location:

• Australian users: These terms are governed by the laws of Queensland, Australia. Any disputes arising from your use of this website or these terms will be subject to the non-exclusive jurisdiction of the courts of Queensland, Australia.

• United States users: These terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising from your use of this website or these terms will be subject to the non-exclusive jurisdiction of the courts of Delaware, United States.

• All other users: These terms are governed by the laws of Queensland, Australia.

Nothing in this clause limits your rights under applicable mandatory consumer protection laws in your jurisdiction.

14. Severability

If any provision of these terms is found to be invalid, unlawful, or unenforceable under applicable law, that provision will be severed from these terms to the minimum extent necessary. The remaining provisions will continue in full force and effect.

15. Contact

If you have any questions about these Terms and Conditions, please contact us:

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