Terms & Conditions - The Fine Print

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DEFINITIONS

  • Contract:

  • means these terms and conditions and the Benefits Summary Page.

  • Benefits Summary Page:

  • means the reverse side of these terms and conditions.

  • Obligor:

  • means Federal Warranty Service Corporation in all states except FL where UNITED SERVICE PROTECTION, INC.is the Obligor, and OK where Assurant Service Protection, Inc. is the Obligor. The address and phone number for each Obligor is P.O. Box105689, Atlanta, GA 30348-5689, 770-763-1000.

  • Administrator

  • Administrator: means Federal Warranty Service Corporation, in all states except FL where UNITED SERVICE PROTECTION, INC. is the Administrator and OK where Assurant Service Protection, Inc. is the Administrator. The address and phone number for each Administrator is P.O. Box 100, Rapid City, SD 57709, 800-626-2224.

  • Product:

  • means an item used for normal, single family, household use and listed on the Benefits Summary Page as covered under this Contract.

  • We, Us, & Our:

  • mean the Obligor.

  • You & Your:

  • mean the owner of the Product and this Contract.

PRODUCT COVERAGE ELIGIBILITY

  • New Coverage:

  • Major Appliances & Home Appliances up to 15 years old; Major Electronics up to 10 years old.

  • Renewal Coverage:

  • Major Appliances up to 20 years old; Home Appliances up to 15 years old; Major Electronics up to 10 years old.

PRODUCT COVERAGE

  • This Contract pays for the labor and parts costs to repair Your Product for problems due to functional part failures. We may use non-original manufacturer parts or re-manufactured parts for the repair. The Benefits Summary Page shows Your Product coverage. We also cover food spoilage from the covered failure of Your refrigerator or freezer up to $100 per appliance over the life of this Contract with proof of loss, and one replacement of Your original remote control with one of comparable functionality.

DEDUCTIBLE

  • You will pay the deductible listed on the Benefits Summary Page to Our servicer for each service call per Product. You will not be responsible for deductible charges on repeat service calls completed within 30 days of the original service event for the same issue. Failure to pay the deductible when due may result in the suspension of service.

COVERAGE PERIOD

  • Your coverage term is on the Benefits Summary Page. If a labor end date is not shown, coverage will renew on a monthly basis unless canceled by You. However, We are not obligated to renew this Contract.

SERVICE LOCATION

  • In-home Service – We will service the Product at the address on the Becanefits Summary Page. The Product must be easily accessible to the servicer and removal of the Product for servicing must not require more than one person for safe removal, the use of special equipment, or tools such as ladders, lift trucks or scaffolding. If Your Product must be repaired elsewhere, pick-up and return expenses are covered.

    TO SCHEDULE SERVICE

    • Visit the website on the Benefits Summary Page, where claims may be submitted 24 hours a day, 7 days a week. Service will be available during regular working hours. If the Administrator cannot find a servicer, after You provide the Administrator with a written estimate for repair, You may be authorized to obtain service from a servicer near You. If You are unable to access the website You can call the Administrator to schedule service.

    CONTRACT TRANSFER

    • You can assign Your Contract to another person by notifying the Administrator in writing. The notice must include a copy of the Benefits Summary Page, and the name, address, and phone number of the person to whom the Contract is being transferred. Your transfer takes effect as soon as the Administrator receives Your written notice.

    CONTRACT CANCELLATION

    • Cancellation by You:

    • You may cancel at any time by notifying the Administrator in writing. If We receive Your Contract and cancellation notice within 30 days of the Contract purchase date, We will refund You the full Contract price. If We receive Your Contract and cancellation notice 30 days after the purchase date but before the effective date, We will refund You the full Contract price, less an administrative fee of 10% of the Contract price or $25, whichever is less. If We receive Your Contract and cancellation notice after the effective date, We will refund You 100% of the unearned pro-rata Contract price, less any claims paid, less an administrative fee of 10% of the pro-rata Contract price or $25, whichever is less



    • Cancellation by Us:

    • If We cancel the Contract 30 days after the purchase date for any reason, Your refund will be based on 100% of the unearned prorata Contract price.

    CONTRACT LIMITATIONS

    • Limitation of Liability:

    • The liability of the Obligor, Administrator and Insurer, if any, for any allegedly defective Product or part shall be limited to repair or replacement of the Product or part and shall not exceed the purchase price of a comparable replacement Product or part.

     

    • Home Appliance (HVAC) Limitation:

    • Liability under this Contract shall not exceed $1,000. THE PROVISIONS OF THIS CONTRACT ARE YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE PRODUCT(S) COVERED BY THIS CONTRACT. ALL IMPLIED WARRANTIES WITH RESPECT TO THE PRODUCT(S) INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY EXCLUDED. LOOK FIRST TO YOUR MANUFACTURER’S WARRANTY FOR COVERAGE. IF THE MANUFACTURER’S WARRANTY OVERLAPS WITH THIS CONTRACT COVERAGE, THIS CONTRACT EXCLUDES ANY COVERAGE PROVIDED UNDER THE MANUFACTURER’S WARRANTY. HOWEVER, IF IT OVERLAPS, THIS CONTRACT FILLS GAPS IN AND/OR ADDS BENEFITS TO THE MANUFACTURER’S WARRANTY.

    • Non-Repairable Products:

       

    • If We determine that a Product cannot be repaired or the repair is not cost effective, We may either replace the Product with one of like kind, quality, and function, or provide You with an amount equal to the depreciated value based on the Product age. The depreciation schedule is listed below.

    •  

      Product Depreciation Schedule
      Product Age% Credit
      01100
      02100
      0380
      0474
      0568
      0662
      0750
      0844
      0938
      1032
      11+26
    • Fulfillment:

    • Provision of depreciated value or product replacement will fulfill Our obligations on Your Product.

    • Product Recovery:

    • The unrepaired Product will become Our property if We elect to recover the Product at Our own expense. If We do not recover the Product, You must dispose of it.

    YOUR PROMISES & ASSURANCES

    • You promise to: (1) fully cooperate with Administrator and servicer during diagnosis and repair of the Product; (2) provide a non-threatening and safe environment with an adult present for in-home service; (3) use the Product only for non-business purposes; (4) provide normal preventative maintenance for the Product; (5) subrogate and assign Your rights of recovery to Us if repair or replacement is provided for which the manufacturer, its agents or suppliers is legally responsible; and (6) provide written notice of any defect or deficiency in service within 90 days of discovery;(7) protect Your covered product against any further damage.

    WHAT IS NOT COVERED

    • a. any repair when You have not complied with of any part of Section 11; b. products not listed on the Benefits Summary Page; c. consumable items; d. any repair covered by a manufacturer’s warranty or recall program, or initiated by the manufacturer; e. any costs associated with or damage caused by failure to follow manufacturer’s recommended installation or maintenance; f. unauthorized repairs; g. cosmetic damage; h. damage or failures caused by external factors such as freezing, inadequate plumbing, wiring, power supply, power surge, rust, corrosion, smoke, infestation, negligence, abuse, misuse, acts of God, leaking batteries, display markings, problems with phone lines; i. service delays due to Acts of God, war or other causes beyond Our control; j. defects that existed prior to this Contract purchase; k. service outside the continental USA and Hawaii; l. water filtration systems if water is microbiologically unsafe or of unknown quality without adequate disinfection; m. loss or damage to recording media, software or data, computer viruses, software defects or software generated problems; n. shipping damage due to inadequate packaging by You; o. upgraded, retrofit, or unapproved components; p. TV image burn-in, plasma or LCD panels for minor pixel illumination issues that do not affect overall viewing such as missing pixels, intermittent pixels, or wrong color pixels; q. TV stands or wall mounts; r. removal or re-installation of Products; s. upgrades to comply with regulatory laws; t. HVAC Products located on a rooftop; u. duct work, refrigerant lines, drain lines, or evaporation/condenser coils if rusted or corroded; v. water heater holding or storage tanks, solar water heaters; w. faucets, fixtures, main water lines, valves, foreign plumbing parts, stoppages, water leaks on exposed plumbing exterior to the home; x. repair or replacement of main breaker or busbars, underground or in-the-wall wiring; y. Incidental and Consequential damage.

    ARBITRATION

    • Read the following arbitration provision carefully. It limits certain of Your rights, including Your right to obtain relief or damages through court action.
      To begin Arbitration, either You or We must make a written demand to the other party for arbitration. The Arbitration will take place before a single arbitrator. It will be administered in keeping with the Expedited Procedures of the Commercial Arbitration Rules ("Rules") of the American Arbitration Association ("AAA") in effect when the claim is filed. You may get a copy of these AAA's Rules by contacting AAA at 1633 Broadway, 10th Floor, New York, NY 10019, calling 800-778-7879 or visiting www.adr.org. The filing fees to begin and carry out arbitration will be shared equally between You and Us. This does not prohibit the arbitrator from giving the winning party their fees and expenses of the arbitration. Unless You and We agree, the arbitration will take place in the county and state where You live. The Federal Arbitration Act, 9 U.S.C. § 1, et seq., will govern and not any state law on arbitration. You agree and understand that this arbitration provision means that You give up Your right to go to court on any claim covered by this provision. You also agree that any arbitration proceeding will only consider Your Claims. Claims by, or on behalf of, other individuals will not be arbitrated in any proceeding that is considering Your Claims. Please refer to the State Disclosures section of this Contract for any added requirements in Your state. In the event this Arbitration provision is not approved by the appropriate state regulatory agency, and/or is stricken, severed, or otherwise deemed unenforceable by a court of competent jurisdiction, You and We specifically agree to waive and forever give up the right to a trial by jury. Instead, in the event any litigation arises between You and Us, any such lawsuit will be tried before a judge, and a jury will not be impaneled or struck.

    STATE REGULATIONS

    • Will control if inconsistent with any other terms and provisions: AL, AR, CO, CT, GA, IL, IN, KY, MA, ME, MN, MO, NC, NH, NJ, NV, NY, OR, SC, UT and WY only: The following is added to Your Contract: The obligations under this Contract are insured by a policy of insurance issued by American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 800-852-2244.

      AZ, HI, MT, VA and VT only: The following is added to Your Contract: The obligations under this Contract are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157.

      AL, AR, CO, HI, MA, ME, MN, MO, NJ, SC, WI and WY only: The following is added to Your Contract: Free Look: You may, within 20 calendar days of mailing of the Contract, or 10 days if delivered at time of sale, reject and return this Contract. Upon return of the Contract within the applicable time period, if no claims have been made, You will be refunded the full Contract Price. A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the return of the Contract. This provision applies only to the original purchaser.

      GA, LA, OR, UT, WI and WY only: The Arbitration provision is deleted in its entirety. It is not applicable to You.



      For customer support and general program queries, please call 1-855-610-6733. To request a sample copy of the terms and conditions specific to your state prior to purchasing a plan, call 1-866-450-5185.



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