Privacy Policy

1. Introduction

VetBillingPayment.com ("we," "us," "our," or the "Site") is an independent review and comparison website covering VetBilling payment plans, veterinary financing options, and related consumer finance products in the United States. This Privacy Policy describes how we collect, use, disclose, and protect personal information when you visit the Site or interact with its features.

By using the Site, you agree to the collection and use of information in accordance with this Policy. If you do not agree with the terms of this Policy, please do not access the Site.

2. Who This Policy Applies To

This Policy applies to information collected through vetbillingpayment.com and any related subdomains or pages operated by us.

It does not apply to information collected by third parties, including VetBilling itself (vetbilling.com), veterinary clinics that partner with VetBilling, or any lender or financial product provider whose website you may be referred to from this Site. Those entities operate under their own privacy policies, which you should review separately before submitting personal information to them.

3. Information We Collect

3.1 Information You Provide to Us

We collect information you voluntarily provide, including:

• Contact form submissions: name, email address, and the content of your message when you contact us through the contact page.
• Pre-qualification form submissions: if you choose to submit the form on our apply page to be matched with a lender partner, you provide information required by that form (such as loan amount sought, employment status, state, and contact details). This information is submitted directly to our affiliate partner for lender matching and is governed primarily by the partner's privacy policy.
• Correspondence: any information you include when emailing us or responding to our communications.

3.2 Information Collected Automatically

When you visit the Site, we automatically collect certain information through server logs, cookies, and analytics tools:

• Device and browser data: IP address, browser type, operating system, screen size, device identifiers.
• Usage data: pages visited, time on page, referral source, exit pages, click paths.
• Approximate location: derived from your IP address (typically city or state level).
• Cookies and similar technologies: see Section 5 below.

3.3 Information From Third Parties

We may receive aggregated or anonymized data from analytics providers and advertising partners. We do not purchase personal data from data brokers.

4. How We Use Information

We use the information we collect for the following purposes:

• To operate, maintain, and improve the Site and its content.
• To respond to your inquiries and provide customer support.
• To facilitate referrals to our affiliate partners when you choose to submit a pre-qualification form.
• To understand how visitors use the Site through aggregated analytics.
• To detect, prevent, and address technical issues or fraudulent activity.
• To comply with legal obligations and enforce our Terms of Service.

We do not sell your personal information in exchange for monetary consideration.

5. Cookies and Tracking Technologies

We use cookies, local storage, and similar technologies to operate the Site and understand how it is used.

Most browsers accept cookies by default. You can set your browser to refuse cookies or alert you when cookies are being sent. If you refuse cookies, some parts of the Site may not function correctly.

Opt-out tools:

• Google Analytics: Google Analytics Opt-out Browser Add-on
• Industry opt-out: YourAdChoices and NAI opt-out
• Browser-level: enable "Do Not Track" or Global Privacy Control (GPC); we honor GPC signals where applicable.

6. Third-Party Services

We use the following third-party services, each operating under its own privacy policy:

• Google Analytics — aggregated website analytics. Google Privacy Policy.
• Statcounter — supplementary visitor analytics. Statcounter Legal.
• APIdiamond — affiliate network that administers the pre-qualification form on our apply page. Form submissions are processed by APIdiamond and shared with their lender partners.
• Hosting provider — server logs are retained by our hosting provider for security and performance monitoring.

We do not control and are not responsible for the privacy practices of third-party sites you access through links from the Site. We encourage you to read the privacy policy of every site you visit.

7. Your Privacy Rights

7.1 California Residents (CCPA / CPRA)

If you are a California resident, you have the right to:

• Know what personal information we have collected about you.
• Request deletion of personal information we hold.
• Correct inaccurate personal information.
• Opt out of "sale" or "sharing" of personal information. We do not sell personal information for monetary consideration; however, use of advertising cookies may constitute "sharing" under CCPA.
• Not be discriminated against for exercising these rights.

To exercise these rights, email us at [email protected] with the subject line "California Privacy Request."

7.2 European Union / UK Residents (GDPR / UK GDPR)

If you access the Site from the EU or UK, you have rights to access, rectify, erase, restrict, port, and object to processing of your personal data. Our lawful basis for processing is typically your consent (for optional cookies and form submissions) or legitimate interests (for basic site operation and security).

7.3 Other US States

Residents of Colorado, Connecticut, Virginia, Utah, Texas, and other states with comprehensive privacy laws may have similar rights. We honor valid requests regardless of state of residence.

8. Children's Privacy

The Site is intended for US adults aged 18 and older. We do not knowingly collect personal information from children under 13 (COPPA) or market the Site to minors. If you believe a child under 13 has submitted personal information to us, please contact [email protected] and we will delete it promptly.

9. Data Security

We use industry-standard administrative, technical, and physical safeguards to protect information, including HTTPS encryption in transit, secure hosting infrastructure, and limited access controls. No method of internet transmission or electronic storage is 100% secure, however, and we cannot guarantee absolute security.

If we become aware of a security breach that affects your personal information, we will notify you and applicable authorities as required by law.

10. Data Retention

We retain personal information only as long as necessary for the purposes described in this Policy, to comply with legal obligations, resolve disputes, and enforce agreements:

• Contact form submissions: up to 24 months unless an ongoing conversation requires longer retention.
• Analytics data: Google Analytics default retention (14 months).
• Server logs: typically 30-90 days by the hosting provider.

11. International Data Transfers

The Site is hosted and operated primarily in the United States. If you access the Site from outside the US, your information will be transferred to, stored, and processed in the US. By using the Site, you consent to this transfer. Where required by law, we rely on standard contractual clauses or other approved transfer mechanisms.

12. Affiliate and Advertising Disclosures

VetBillingPayment.com participates in affiliate marketing programs. When you click an outbound link or submit the pre-qualification form, we may receive compensation if you qualify for or accept a product from an affiliate partner. This does not affect the price you pay or the products available to you.

Compensation does not influence editorial content, product ratings, or recommendations. See our editorial policy and Terms of Service for complete disclosures as required by FTC 16 CFR Part 255.

13. Updates to This Privacy Policy

We may update this Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, provide additional notice. Continued use of the Site after an update constitutes acceptance of the revised Policy.

14. Contact Us

Questions about this Privacy Policy or your personal information should be directed to:

We respond to verified requests within 45 days (or as otherwise required by applicable law).