Terms of Service

SECTION 1 – DEFINITIONS

"We", "Us", "Our": The party or parties obligated to provide service under this Protection Plan as the Protection Plan provider Guardsman US LLC, P.O. Box 1189, Bedford TX 76095. (Florida Residents: this Protection Plan is an agreement between You and WCPS of Florida, Inc., License No. 80202, P.O. Box 1189, Bedford, TX 76095. Washington Residents: this Protection Plan is an agreement between You and Warrantech Consumer Product Services, Inc., P.O. Box 1189, Bedford, TX 76095.)
Administrator: The entity responsible for administering benefits to you in accordance with the Protection Plan Terms and Conditions Guardsman US LLC, P.O. Box 1189, Bedford, TX 76095. (Florida residents: administered by WCPS of Florida, Inc., License No. 80202.)
"You", "Your": The purchaser/owner of the Product(s) covered by this Protection Plan.
Retailer: The merchant authorized by Us to sell this Protection Plan to you.
Covered Product(s), Product(s): The eligible item(s) that meet the "Product Eligibility" requirements outlined below and that are covered under this Protection Plan.
Purchase Confirmation: The purchase confirmation email, receipt, or link provided by Guardsman or the selling retailer that provides proof of purchase of this plan.
Contract Term: The period of time in which the provisions of this Protection Plan are valid, as indicated on your purchase confirmation. In no event will a monthly billing Term exceed thirty-six (36) months from the original Contract purchase date.
Commercial Use: Use of the Product for competitive, rental, business, educational, or institutional purposes.
Coverage Term: The period your covered product is covered by this Protection Plan, which begins upon the latter of (i) the date of expiration of your covered product's manufacturer or retailer warranty, (ii) the purchase date of your plan (as shown on your purchase confirmation), or (iii) the date following the termination of any Waiting Period — and ends after the Contract Term or when all of our obligations under this Plan end, whichever occurs first. If you elected our monthly billing plan, coverage becomes effective upon receipt of the first installment and expiration of the thirty (30) day Waiting Period.
Failure: As related to non-furniture Products - the mechanical or electrical breakdown of Your Product that results in it no longer being able to function as originally designed and intended; which is caused by defects in the manufacturer's materials or workmanship and occurs during normal use of the Product. As related to furniture Products - the breakdown of Your furniture Product that results in it no longer being able to function as originally designed and intended (including any flaws or deficiencies of the Furniture that affect the utility for which it was designed for); which is caused by defects in the manufacturer's materials or workmanship and occurs during normal use of the furniture Product.
Claim: A request for service or payment in accordance with this Protection Plan sent by you to the Administrator or Us.
Deductible: The amount you are required to pay, per Claim, prior to receiving services under this Protection Plan (if any), as indicated on your Purchase Confirmation.
Power Surge: Damage to the Product resulting from an oversupply of voltage while properly connected to a surge protector approved by Underwriter's Laboratory Inc. (UL), but not including damages resulting from improper installation or improper connection of the Product to a power source. Coverage for Power Surge begins on your contract purchase date (or delivery date, if different).
Accidental Damage and Handling (ADH): Unexpected, unintentional, or accidental damage and/or breakage sustained to your covered product(s) that occurred during the course of normal use or handling. Coverage for ADH begins on your contract purchase date (or delivery, if different).
Pre-existing Condition: A condition that, within all reasonable mechanical or electrical probability, relates to the mechanical fitness of your Product before this Protection Plan was purchased or effective, or is determined by us to be a failure.

"We", "Us", "Our": The party or parties obligated to provide service under this Protection Plan as the Protection Plan provider Guardsman US LLC, P.O. Box 1189, Bedford TX 76095. (Florida Residents: this Protection Plan is an agreement between You and WCPS of Florida, Inc., License No. 80202, P.O. Box 1189, Bedford, TX 76095. Washington Residents: this Protection Plan is an agreement between You and Warrantech Consumer Product Services, Inc., P.O. Box 1189, Bedford, TX 76095.)
Administrator: The entity responsible for administering benefits to you in accordance with the Protection Plan Terms and Conditions Guardsman US LLC, P.O. Box 1189, Bedford, TX 76095. (Florida residents: administered by WCPS of Florida, Inc., License No. 80202.)
"You", "Your": The purchaser/owner of the Product(s) covered by this Protection Plan.
Retailer: The merchant authorized by Us to sell this Protection Plan to you.
Covered Product(s), Product(s): The eligible item(s) that meet the "Product Eligibility" requirements outlined below and that are covered under this Protection Plan.
Purchase Confirmation: The purchase confirmation email, receipt, or link provided by Guardsman or the selling retailer that provides proof of purchase of this plan.
Contract Term: The period of time in which the provisions of this Protection Plan are valid, as indicated on your purchase confirmation. In no event will a monthly billing Term exceed thirty-six (36) months from the original Contract purchase date.
Commercial Use: Use of the Product for competitive, rental, business, educational, or institutional purposes.
Coverage Term: The period your covered product is covered by this Protection Plan, which begins upon the latter of (i) the date of expiration of your covered product's manufacturer or retailer warranty, (ii) the purchase date of your plan (as shown on your purchase confirmation), or (iii) the date following the termination of any Waiting Period — and ends after the Contract Term or when all of our obligations under this Plan end, whichever occurs first. If you elected our monthly billing plan, coverage becomes effective upon receipt of the first installment and expiration of the thirty (30) day Waiting Period.
Failure: As related to non-furniture Products - the mechanical or electrical breakdown of Your Product that results in it no longer being able to function as originally designed and intended; which is caused by defects in the manufacturer's materials or workmanship and occurs during normal use of the Product. As related to furniture Products - the breakdown of Your furniture Product that results in it no longer being able to function as originally designed and intended (including any flaws or deficiencies of the Furniture that affect the utility for which it was designed for); which is caused by defects in the manufacturer's materials or workmanship and occurs during normal use of the furniture Product.
Claim: A request for service or payment in accordance with this Protection Plan sent by you to the Administrator or Us.
Deductible: The amount you are required to pay, per Claim, prior to receiving services under this Protection Plan (if any), as indicated on your Purchase Confirmation.
Power Surge: Damage to the Product resulting from an oversupply of voltage while properly connected to a surge protector approved by Underwriter's Laboratory Inc. (UL), but not including damages resulting from improper installation or improper connection of the Product to a power source. Coverage for Power Surge begins on your contract purchase date (or delivery date, if different).
Accidental Damage and Handling (ADH): Unexpected, unintentional, or accidental damage and/or breakage sustained to your covered product(s) that occurred during the course of normal use or handling. Coverage for ADH begins on your contract purchase date (or delivery, if different).
Pre-existing Condition: A condition that, within all reasonable mechanical or electrical probability, relates to the mechanical fitness of your Product before this Protection Plan was purchased or effective, or is determined by us to be a failure.

SECTION 2 – YOUR RESPONSIBILITIES

a) PRODUCT PROTECTION: Be sure to properly store and operate Your Covered product in accordance with the manufacturer’s warranty and/or owner’s manual at all times. If You suspect damage or breakdown of Your Product, You should promptly take reasonable precautions in order to protect against further damage. Any Claim determined to be a result of neglect, negligence, misuse, or abuse (as defined in the EXCLUSIONS section of this Contract) of or to the covered product is NOT covered under this Contract.

b) MAINTENANCE AND INSPECTIONS: If specified in the Products manufacturer’s warranty, assembly, and/or owner’s manual, You must perform all of the care, maintenance and inspections for the Product as indicated. You may be required to provide proof of fulfillment of such maintenance, care, and/or inspections services at the time of Claim. Any Claim determined to be a result of Your lack of compliance with the Product manufacturer’s warranty, assembly and/or owner’s manual will NOT be covered under this Contract.

a) PRODUCT PROTECTION: Be sure to properly store and operate Your Covered product in accordance with the manufacturer’s warranty and/or owner’s manual at all times. If You suspect damage or breakdown of Your Product, You should promptly take reasonable precautions in order to protect against further damage. Any Claim determined to be a result of neglect, negligence, misuse, or abuse (as defined in the EXCLUSIONS section of this Contract) of or to the covered product is NOT covered under this Contract.

b) MAINTENANCE AND INSPECTIONS: If specified in the Products manufacturer’s warranty, assembly, and/or owner’s manual, You must perform all of the care, maintenance and inspections for the Product as indicated. You may be required to provide proof of fulfillment of such maintenance, care, and/or inspections services at the time of Claim. Any Claim determined to be a result of Your lack of compliance with the Product manufacturer’s warranty, assembly and/or owner’s manual will NOT be covered under this Contract.

SECTION 3 – MONTHLY BILLING

If You elected to pay for Your contract purchase price/fee on a monthly basis (as evidenced on Your purchase confirmation), You are required to pay one month’s charge in advance to initially purchase the Protection Plan and must continue to pay the monthly charge by the stated due date in order to keep Your coverage eﬀective throughout Your Contract Term. NOTICE: Your monthly Contract charge is subject to change, at Our sole discretion. In the event of a change, We will provide written notice to Your current address in Our file (email or physical address as necessary) at least sixty (60) days prior to implementing any such change. Under such circumstance, You will have the option to either: (a) pay the new monthly charge when due, and Your coverage will continue for the remainder of Your Term; or (b) notify the Administrator that You want to cancel Your coverage. Regarding cancellations and refunds please refer to the “CANCELLATION” section.

SECTION 4 – LTO ARRANGEMENT (if applicable to You, as confirmed on Your original sales receipt/invoice)

For the purpose of this section, the following words have the stated meaning: “LTO ARRANGEMENT” refers to a contractual lease-to-own legal agreement established between You (the Lessee) and a lease-to-own entity (the Lessor), through which this Protection Plan and the covered product have been obtained by You. “Lessor” refers to the financial institution which is (1) the original owner of the covered product, and (2) has established the LTO Arrangement with You. “Lessee” refers to You; the person who has entered into an LTO Arrangement with a Lessor, and who is to become the rightful owner of the covered product upon fulfillment of such LTO Arrangement.

• Where the Product was initially acquired under an LTO Arrangement, any reimbursement or refund will be paid to the owner of the Product at the time such reimbursement or refund is made. This will be the Lessor if You have not yet acquired ownership of the Product.

• In all other respects, the Lessee will retain a beneficial interest in this Protection Plan and all non reimbursement/refund benefits described herein shall be rendered to the Lessee.

• Any owner obligations related to maintenance of the Product shall be the responsibility of the Lessee during of any LTO Arrangement except as provided by law.

(Note, any reference to purchased, sold, or similar terms in this Contract shall include leased and its derivatives.)

For the purpose of this section, the following words have the stated meaning: “LTO ARRANGEMENT” refers to a contractual lease-to-own legal agreement established between You (the Lessee) and a lease-to-own entity (the Lessor), through which this Protection Plan and the covered product have been obtained by You. “Lessor” refers to the financial institution which is (1) the original owner of the covered product, and (2) has established the LTO Arrangement with You. “Lessee” refers to You; the person who has entered into an LTO Arrangement with a Lessor, and who is to become the rightful owner of the covered product upon fulfillment of such LTO Arrangement.

• Where the Product was initially acquired under an LTO Arrangement, any reimbursement or refund will be paid to the owner of the Product at the time such reimbursement or refund is made. This will be the Lessor if You have not yet acquired ownership of the Product.

• In all other respects, the Lessee will retain a beneficial interest in this Protection Plan and all non reimbursement/refund benefits described herein shall be rendered to the Lessee.

• Any owner obligations related to maintenance of the Product shall be the responsibility of the Lessee during of any LTO Arrangement except as provided by law.

(Note, any reference to purchased, sold, or similar terms in this Contract shall include leased and its derivatives.)

SECTION 5 – DEDUCTIBLE

You are not required to pay a Deductible prior to receiving service under this Contract.

For Optical Plans: Co-Pay: You are required to pay the Retailer the following amount prior to receiving eligible service, as applicable to Your Claim:

New frames, not new lenses = $25.00; New lenses, not new frames = $25.00; New frames and new lenses = $50.00;

Smart glasses replacement = for non-prescription lenses $125.00; Smart glasses repair = $25.00; Accessories = $25.00.

You are not required to pay a Deductible prior to receiving service under this Contract.

For Optical Plans: Co-Pay: You are required to pay the Retailer the following amount prior to receiving eligible service, as applicable to Your Claim:

New frames, not new lenses = $25.00; New lenses, not new frames = $25.00; New frames and new lenses = $50.00;

Smart glasses replacement = for non-prescription lenses $125.00; Smart glasses repair = $25.00; Accessories = $25.00.

SECTION 6 – WHAT IS COVERED (as indicated on Your Purchase confirmation and applicable to You.)

IF YOU DID NOT PURCHASE ONE OF THE SPECIFIC PLANS LISTED BELOW, This Protection Plan provides for parts and labor required to repair Your covered product in the event of a defined Failure and covered Claim. Coverage described in this Protection Plan will not replace or provide duplicative benefits during any active manufacturer's warranty period. During such period, anything covered under that warranty is the sole responsibility of the manufacturer and will not be considered under this Contract; regardless of the manufacturer's ability to fulfill its obligations. At out sole discretion, replacement parts may be new, rebuilt, or a non-original manufacturer's part that performs to the factory specifications. A one-time replacement or reimbursement may be provided in lieu of repairs.

ALL COVERAGE PROCLAIMED UNDER THIS PROTECTION PLAN IS EXPRESSLY SUBJECT TO THE "LIMIT OF LIABILITY" AND "EXCLUSIONS" PROVISIONS. PLEASE READ THESE SECTIONS CAREFULLY.

JEWELRY:

Jewelry Protection Plan: If You purchased the Jewelry Protection Plan, coverage under this Contract includes:

Restoration services required as a result of breakage during normal wear; such as: broken, worn or bent prongs, stretched or broken pearl strands, cracked or thinning ring shanks, broken chains, bracelets or clasps, broken earring posts or backs, gouges or discoloration, distorted or dented jewelry kinked or knotted chains and bracelets; cracked, chipped or scratched stones, and loss of diamonds or gemstones due to a defective, worn, bent or broken setting.
Refinishing and polishing; rhodium plating white gold; and chain soldering.
Repair of cracked or chipped stones, excluding center stones and up to 0.25 carats.
Replacement of missing side or accent stones up to 0.25 carats.

Watch Protection Plan: If You purchased the Watch Protection Plan, coverage under this Contract includes:

Restoration services required as a result of breakage due to faulty workmanship or during normal wear; such as: mechanism failure; crystal, scratches, or breaks; case or bezel damage; broken watch band; broken stem or crown; and broken clasps.

OPTICAL PLANS:

In the event of an eligible Claim, this Protection Plan covers the costs for servicing of Your product that is required in order to restore it to a functional and wearable condition. Such servicing may be fulfilled in the form of repair, replacement, or reimbursement (up to a maximum value equal to the affected Product purchased by You). Parts used to repair Your Product may include non-original manufacturer's parts.

INDOOR AND OUTDOOR FURNITURE (Fabric, leather, vinyl, and upholstered, patio, wood, and other hard surface furniture, adjustable bed bases, and massage chairs):

In addition to coverage for a defined furniture Failure and Power Surge event (as applicable to Your Product), this Protection Plan also provides the following coverage:

Failure or breakage of frames, rockers, swivels, glides, springs, mechanisms, motors, heating and cooling elements, levers, or hand wands, power, or remote cords used for massage, sleepers, or reclining.
Stains including food and beverage, ink, nail polish, or remover; Human or Pet bodily fluid/waste stains (not including perspiration, hair oils, or body oils).
Burns or heat marks (excluding fire), Punctures, cuts, tears, or rips.
A single incident of damage per furniture item caused by a Pet, except what is specifically excluded.
Seam separation, broken zippers, or buttons.
Checking, cracking, bubbling, or peeling of a finish; scratches, gouges, chips, crack, liquid marks, or rings.
Chips, scratches, or breakage, or glass, mirrors, tabletops, or welds.
Scratches on cast aluminum that penetrate through the finish exposing the aluminum.
Operational or structural failure to table or arb umbrella mechanisms (if originally covered by an OEM warranty).
Breakage of umbrella ribs, fabric gazebo or coversling frame.
FOR PROPANE FIREPITS AND PATIO HEATERS ONLY: Operational failure of burning mechanism/component failure.

AREA RUGS:

This Plan provides coverage for the following accidental stains or damage that arise form a specific occurrence, except for what is listed in the "EXCLUSIONS" section.

Stains including food or beverage; human, or pet bodily fluid/waste (not including perspiration, hair, or body oils).
Border tears up to six (6) inches in length.

MATTRESSES:

This Plan provides coverage for the following accidental stains or damage that arise from a specific occurrence, except for what listed in the "EXCLUSIONS" section.

Stains including food and beverage, ink and marker, nail polish, or remover; Human, or Pet bodily fluid/waste stains (not including perspiration, hair oils, or body oils).
Burns or heat marks (excluding fire).
Punctures, cuts, tears, or rips caused by a specific incident or by a spring or coil.
Failure of bed frames (excluding adjustable bases, box springs, or foundation).

LIGHTING AND CEILING FANS:

In addition to coverage for a defined Failure, this Plan provides coverage for the following accidental damage that arise from a specific occurrence and Failure during normal use, except for what is listed in the "EXCLUSIONS" section.

Breakage, other than a defined failure, of lighting base, blades, brackets, bridge arm, check ring, fan rods, lock nuts, pull chains, socket, socket nob, swivel, and tubes.
Failure of integral electrical components in Lighting (including connection points, cords, motor power outlets, remote operation devices, USB ports, and wiring) that were originally installed by the lighting manufacturer.

IF YOU DID NOT PURCHASE ONE OF THE SPECIFIC PLANS LISTED BELOW, This Protection Plan provides for parts and labor required to repair Your covered product in the event of a defined Failure and covered Claim. Coverage described in this Protection Plan will not replace or provide duplicative benefits during any active manufacturer's warranty period. During such period, anything covered under that warranty is the sole responsibility of the manufacturer and will not be considered under this Contract; regardless of the manufacturer's ability to fulfill its obligations. At out sole discretion, replacement parts may be new, rebuilt, or a non-original manufacturer's part that performs to the factory specifications. A one-time replacement or reimbursement may be provided in lieu of repairs.

ALL COVERAGE PROCLAIMED UNDER THIS PROTECTION PLAN IS EXPRESSLY SUBJECT TO THE "LIMIT OF LIABILITY" AND "EXCLUSIONS" PROVISIONS. PLEASE READ THESE SECTIONS CAREFULLY.

JEWELRY:

Jewelry Protection Plan: If You purchased the Jewelry Protection Plan, coverage under this Contract includes:

Restoration services required as a result of breakage during normal wear; such as: broken, worn or bent prongs, stretched or broken pearl strands, cracked or thinning ring shanks, broken chains, bracelets or clasps, broken earring posts or backs, gouges or discoloration, distorted or dented jewelry kinked or knotted chains and bracelets; cracked, chipped or scratched stones, and loss of diamonds or gemstones due to a defective, worn, bent or broken setting.
Refinishing and polishing; rhodium plating white gold; and chain soldering.
Repair of cracked or chipped stones, excluding center stones and up to 0.25 carats.
Replacement of missing side or accent stones up to 0.25 carats.

Watch Protection Plan: If You purchased the Watch Protection Plan, coverage under this Contract includes:

Restoration services required as a result of breakage due to faulty workmanship or during normal wear; such as: mechanism failure; crystal, scratches, or breaks; case or bezel damage; broken watch band; broken stem or crown; and broken clasps.

OPTICAL PLANS:

In the event of an eligible Claim, this Protection Plan covers the costs for servicing of Your product that is required in order to restore it to a functional and wearable condition. Such servicing may be fulfilled in the form of repair, replacement, or reimbursement (up to a maximum value equal to the affected Product purchased by You). Parts used to repair Your Product may include non-original manufacturer's parts.

INDOOR AND OUTDOOR FURNITURE (Fabric, leather, vinyl, and upholstered, patio, wood, and other hard surface furniture, adjustable bed bases, and massage chairs):

In addition to coverage for a defined furniture Failure and Power Surge event (as applicable to Your Product), this Protection Plan also provides the following coverage:

Failure or breakage of frames, rockers, swivels, glides, springs, mechanisms, motors, heating and cooling elements, levers, or hand wands, power, or remote cords used for massage, sleepers, or reclining.
Stains including food and beverage, ink, nail polish, or remover; Human or Pet bodily fluid/waste stains (not including perspiration, hair oils, or body oils).
Burns or heat marks (excluding fire), Punctures, cuts, tears, or rips.
A single incident of damage per furniture item caused by a Pet, except what is specifically excluded.
Seam separation, broken zippers, or buttons.
Checking, cracking, bubbling, or peeling of a finish; scratches, gouges, chips, crack, liquid marks, or rings.
Chips, scratches, or breakage, or glass, mirrors, tabletops, or welds.
Scratches on cast aluminum that penetrate through the finish exposing the aluminum.
Operational or structural failure to table or arb umbrella mechanisms (if originally covered by an OEM warranty).
Breakage of umbrella ribs, fabric gazebo or coversling frame.
FOR PROPANE FIREPITS AND PATIO HEATERS ONLY: Operational failure of burning mechanism/component failure.

AREA RUGS:

This Plan provides coverage for the following accidental stains or damage that arise form a specific occurrence, except for what is listed in the "EXCLUSIONS" section.

Stains including food or beverage; human, or pet bodily fluid/waste (not including perspiration, hair, or body oils).
Border tears up to six (6) inches in length.

MATTRESSES:

This Plan provides coverage for the following accidental stains or damage that arise from a specific occurrence, except for what listed in the "EXCLUSIONS" section.

Stains including food and beverage, ink and marker, nail polish, or remover; Human, or Pet bodily fluid/waste stains (not including perspiration, hair oils, or body oils).
Burns or heat marks (excluding fire).
Punctures, cuts, tears, or rips caused by a specific incident or by a spring or coil.
Failure of bed frames (excluding adjustable bases, box springs, or foundation).

LIGHTING AND CEILING FANS:

In addition to coverage for a defined Failure, this Plan provides coverage for the following accidental damage that arise from a specific occurrence and Failure during normal use, except for what is listed in the "EXCLUSIONS" section.

Breakage, other than a defined failure, of lighting base, blades, brackets, bridge arm, check ring, fan rods, lock nuts, pull chains, socket, socket nob, swivel, and tubes.
Failure of integral electrical components in Lighting (including connection points, cords, motor power outlets, remote operation devices, USB ports, and wiring) that were originally installed by the lighting manufacturer.

SECTION 7 – ADDITIONAL BENEFITS

(if available, applicable to Your Plan, and indicated on Your purchase confirmation), this Protection Plan also provides for the following:

a) ACCIDENTAL DAMAGE FROM HANDLING (ADH): If available and applicable to Your Product If Your covered product sustains damage resulting from a defined ADH covered Claim, this Contract provides coverage for labor and/or parts required to repair Your covered product.
b) COMMERCIAL COVERAGE: If available, this Plan covers a Product that is intended for Commercial Use (as defined). Commercial Coverage is required for any Product(s) that is: (1) equipment that has been specifically manufactured for commercial use; or (2) used in a commercial setting environment (i.e., for use other than in a residential single-family setting). Products used in a commercial or business capacity are not covered unless this optional coverage upgrade has been elected and is confirmed on Your Purchase confirmation. NOTE: EXCEPT AS OTHERWISE PROVIDED IN THIS SUBSECTION, COMMERCIAL COVERAGE DOES NOT PROVIDE ANY OF THE BENEFITS UNDER THE “OPTIONAL COVERAGES” OR “ADDITIONAL BENEFITS TO YOUR PROTECTION PLAN” SECTIONS.
c) FOOD LOSS REIMBURSEMENT-applicable to a refrigerator and/or freezer covered product ONLY：In the event of a covered Claim for a refrigerator/freezer combo covered product, this Contract provides for the reimbursement of consequential perishable food loss expenses. Benefit is limited to a maximum reimbursement amount of $250.00.$250.00.
d) LAUNDRY/CLEANING SERVICES (For washer and/or dryer Covered products Only): If available, this additional benefit reimburses You for laundering service if We are unable to repair Your original covered product for a covered Claim within seven (7) day of Our authorized servicer’s initial on-site visit. You will be reimbursed up to a maximum of $25.00 per qualified service repair. To receive reimbursement, an itemized list of laundry expenses incurred or applicable proof of payment for the laundry expenses.
e) MAINTENANCE BENEFIT: If available and applicable to Your Product, this additional benefit covers one (1) preventative maintenance and performance check(s) of Your covered product. NO LEMON GUARANTEE: If within any consecutive twelve (12) month period, Your covered product has three (3) repairs covered under this Contract for the same problem (“Qualifying Service Repairs”) and a fourth (4th) repair is required for the same covered problem, We will replace Your original Product with one of like kind and quality, but not necessarily the same brand or color, or, at Our sole discretion, provide You with a reimbursement for replacement. If You receive a replacement underthis NO LEMON GUARANTEE, Our obligations under this Contract shall be considered fulfilled in their entirety and Your coverage will end. NOTE: ANY REPAIR SERVICES PERFORMED WHILE YOUR PRODUCT IS UNDER THE MANUFACTURER’S WARRANTY PERIOD ARE NOT CONSIDERED “QUALIFYING SERVICE REPAIRS” UNDER THIS “NO LEMON GUARANTEE”.
f) POWER SURGE: If available and applicable to You, If your covered product sustains damage resulting from a defined Power Surge covered Claim, this Contract provides coverage for labor and/or parts required to repair Your covered product.
g) REMOVAL & DELIVERY:If available and applicable to You, if Your covered product needs service and was delivered and installed by the Retailer, as evidenced on Your Product Purchase Receipt, and it is necessary for Us/Our authorized representative to remove Your original Product for it to be serviced and/or You receive a replacement product pursuant to this Protection Plan, We will provide coverage for the costs associated with (a) the removal of Your original Product, (ii) the delivery of Your serviced original Product or replacement product, provided at Our sole discretion.

(if available, applicable to Your Plan, and indicated on Your purchase confirmation), this Protection Plan also provides for the following:

a) ACCIDENTAL DAMAGE FROM HANDLING (ADH): If available and applicable to Your Product If Your covered product sustains damage resulting from a defined ADH covered Claim, this Contract provides coverage for labor and/or parts required to repair Your covered product.
b) COMMERCIAL COVERAGE: If available, this Plan covers a Product that is intended for Commercial Use (as defined). Commercial Coverage is required for any Product(s) that is: (1) equipment that has been specifically manufactured for commercial use; or (2) used in a commercial setting environment (i.e., for use other than in a residential single-family setting). Products used in a commercial or business capacity are not covered unless this optional coverage upgrade has been elected and is confirmed on Your Purchase confirmation. NOTE: EXCEPT AS OTHERWISE PROVIDED IN THIS SUBSECTION, COMMERCIAL COVERAGE DOES NOT PROVIDE ANY OF THE BENEFITS UNDER THE “OPTIONAL COVERAGES” OR “ADDITIONAL BENEFITS TO YOUR PROTECTION PLAN” SECTIONS.
c) FOOD LOSS REIMBURSEMENT-applicable to a refrigerator and/or freezer covered product ONLY：In the event of a covered Claim for a refrigerator/freezer combo covered product, this Contract provides for the reimbursement of consequential perishable food loss expenses. Benefit is limited to a maximum reimbursement amount of $250.00.$250.00.
d) LAUNDRY/CLEANING SERVICES (For washer and/or dryer Covered products Only): If available, this additional benefit reimburses You for laundering service if We are unable to repair Your original covered product for a covered Claim within seven (7) day of Our authorized servicer’s initial on-site visit. You will be reimbursed up to a maximum of $25.00 per qualified service repair. To receive reimbursement, an itemized list of laundry expenses incurred or applicable proof of payment for the laundry expenses.
e) MAINTENANCE BENEFIT: If available and applicable to Your Product, this additional benefit covers one (1) preventative maintenance and performance check(s) of Your covered product. NO LEMON GUARANTEE: If within any consecutive twelve (12) month period, Your covered product has three (3) repairs covered under this Contract for the same problem (“Qualifying Service Repairs”) and a fourth (4th) repair is required for the same covered problem, We will replace Your original Product with one of like kind and quality, but not necessarily the same brand or color, or, at Our sole discretion, provide You with a reimbursement for replacement. If You receive a replacement underthis NO LEMON GUARANTEE, Our obligations under this Contract shall be considered fulfilled in their entirety and Your coverage will end. NOTE: ANY REPAIR SERVICES PERFORMED WHILE YOUR PRODUCT IS UNDER THE MANUFACTURER’S WARRANTY PERIOD ARE NOT CONSIDERED “QUALIFYING SERVICE REPAIRS” UNDER THIS “NO LEMON GUARANTEE”.
f) POWER SURGE: If available and applicable to You, If your covered product sustains damage resulting from a defined Power Surge covered Claim, this Contract provides coverage for labor and/or parts required to repair Your covered product.
g) REMOVAL & DELIVERY:If available and applicable to You, if Your covered product needs service and was delivered and installed by the Retailer, as evidenced on Your Product Purchase Receipt, and it is necessary for Us/Our authorized representative to remove Your original Product for it to be serviced and/or You receive a replacement product pursuant to this Protection Plan, We will provide coverage for the costs associated with (a) the removal of Your original Product, (ii) the delivery of Your serviced original Product or replacement product, provided at Our sole discretion.

SECTION 8 – OPTIONAL COVERAGE UPGRADES

(if available for purchase, applicable to Your Plan, and indicated on Your purchase confirmation), this Protection Plan also provides for the following:

a.) ACCIDENTAL DAMAGE FROM HANDLING (ADH) UPGRADE: When purchased, in addition to the benefits outlined under the WHAT IS COVERED provision above, as applicable to your covered product type, this optional coverage upgrade provides coverage for labor and/or parts required to repair Your covered product in the event of a defined ADH covered Claim. (Note: ADH is not covered unless it is confirmed on Your Purchase confirmation. ADH is not eligible for all product types. Not all types of unintentional/accidental damages are covered; be sure to read the EXCLUSIONS section carefully.)

b.) CUSTOM HOME AUTOMATION UPGRADE: When purchased, in addition to the benefits outlined under WHAT IS COVERED provision above, as applicable to Your covered product type, this optional coverage upgrade will cover the cost of removal or reinstallation of the covered product, as well as any necessary reprogramming of the covered product's associated remote-control units in connection with covered repairs or replacements of the covered product. In addition, this upgrade provides coverage for labor and/or parts required to repair Your covered product from damage resulting from a defined Power Surge claim. Coverage begins upon Date of Purchase of this Protection Plan, if such coverage has been purchased. NOTE: CUSTOM HOME AUTOMATION COVERAGE DOES NOT COVER ANY COSTS ASSOCIATED WITH TEARING DOWN OR REFINISHING OF WALLS IN ORDER TO REACH AND/OR EVALUATE THE COVERED PRODUCT.

c.) REMOVAL & DELIVERY: If purchased, available and applicable to You, if Your Covered product needs service and was delivered and installed by the Retailer, as evidenced on Your Product Purchase Receipt, and it is necessary for Us/Our authorized representative to remove Your original Product for it to be serviced and/or You receive a replacement product pursuant to this Protection Plan, We will provide coverage for the costs associated with (i) the removal of Your original Product, (ii) the delivery of Your serviced original Product or replacement product, provided at Our sole discretion.

d.) SCREEN DAMAGE UPGRADE: When purchased, in addition to the benefits outlined under the WHAT IS COVERED provision above, as applicable to your covered product type, this optional coverage upgrade provides for a maximum of one (1) replacement of the covered product's screen only in the event of a covered Claim in which the screen sustains cracking or breakage after a single accidental damage from handling incident.

e.) WHEEL AND TIRE PLAN: If you purchased the Wheels and Tire plan, in the event of a covered claim resulting from accidental damage from handling or Failure (as defined), Your Plan provides replacement of the wheels and/or tires on Your Product (labor costs are not included). Replacement products and/or components may be new or refurbished product of equal or similar features and functionality, but not necessarily the same brand. Any and all parts or units replaced under this Protection Plan become Our property in their entirety. Only one tube, tire, and wheel replacement is permitted each term year.

(if available for purchase, applicable to Your Plan, and indicated on Your purchase confirmation), this Protection Plan also provides for the following:

a.) ACCIDENTAL DAMAGE FROM HANDLING (ADH) UPGRADE: When purchased, in addition to the benefits outlined under the WHAT IS COVERED provision above, as applicable to your covered product type, this optional coverage upgrade provides coverage for labor and/or parts required to repair Your covered product in the event of a defined ADH covered Claim. (Note: ADH is not covered unless it is confirmed on Your Purchase confirmation. ADH is not eligible for all product types. Not all types of unintentional/accidental damages are covered; be sure to read the EXCLUSIONS section carefully.)

b.) CUSTOM HOME AUTOMATION UPGRADE: When purchased, in addition to the benefits outlined under WHAT IS COVERED provision above, as applicable to Your covered product type, this optional coverage upgrade will cover the cost of removal or reinstallation of the covered product, as well as any necessary reprogramming of the covered product's associated remote-control units in connection with covered repairs or replacements of the covered product. In addition, this upgrade provides coverage for labor and/or parts required to repair Your covered product from damage resulting from a defined Power Surge claim. Coverage begins upon Date of Purchase of this Protection Plan, if such coverage has been purchased. NOTE: CUSTOM HOME AUTOMATION COVERAGE DOES NOT COVER ANY COSTS ASSOCIATED WITH TEARING DOWN OR REFINISHING OF WALLS IN ORDER TO REACH AND/OR EVALUATE THE COVERED PRODUCT.

c.) REMOVAL & DELIVERY: If purchased, available and applicable to You, if Your Covered product needs service and was delivered and installed by the Retailer, as evidenced on Your Product Purchase Receipt, and it is necessary for Us/Our authorized representative to remove Your original Product for it to be serviced and/or You receive a replacement product pursuant to this Protection Plan, We will provide coverage for the costs associated with (i) the removal of Your original Product, (ii) the delivery of Your serviced original Product or replacement product, provided at Our sole discretion.

d.) SCREEN DAMAGE UPGRADE: When purchased, in addition to the benefits outlined under the WHAT IS COVERED provision above, as applicable to your covered product type, this optional coverage upgrade provides for a maximum of one (1) replacement of the covered product's screen only in the event of a covered Claim in which the screen sustains cracking or breakage after a single accidental damage from handling incident.

e.) WHEEL AND TIRE PLAN: If you purchased the Wheels and Tire plan, in the event of a covered claim resulting from accidental damage from handling or Failure (as defined), Your Plan provides replacement of the wheels and/or tires on Your Product (labor costs are not included). Replacement products and/or components may be new or refurbished product of equal or similar features and functionality, but not necessarily the same brand. Any and all parts or units replaced under this Protection Plan become Our property in their entirety. Only one tube, tire, and wheel replacement is permitted each term year.

SECTION 9 – PRIVACY AND DATA COLLECTION

(For any Covered product that uses wireless data): You agree that We may collect and process data on Your behalf when We provide the services under this Contract. We may transfer Your data to aﬃliated companies or third-party servicer to assist in fulfilling a transaction You requested; service the product You purchased; investigate or process claim(s); or detect or prevent fraud or determine eligibility under the Contract. We do not share Your non-public personal information, except as permitted by law. We will comply with applicable privacy and data protection laws in Your specific jurisdiction. Unless specifically prohibited by Your jurisdiction’s privacy and data protection laws, We may transfer Your information to other countries and jurisdictions provided that anyone to whom We transfer Your information provides an adequate level of protection. Your nonpublic personal information may be accessed by regulatory and law enforcement, or as otherwise permitted or required by law.

SECTION 10 – HOW WE SERVICE YOUR PRODUCT

ALL PROTECTION PLANS: Depending on the Product and failure circumstances, at Our discretion, We will either:

Repair Your Product (In-home/on-site, mail-in or local repair service may be available, at Our discretion) Note: In the event service is performed In-home, we require someone 18 years or older be home at the time of service. Additional time and mileage charges for in home repairs outside twenty-five (25) contiguous land miles or the normal service center are not covered by this Agreement. Shipping is not included with this protection plan.
Replace Your Product with a product of like kind, quality, and functionality (replacement products may retail at a lower price than Your original Product); or
Provide a cash settlement or a Gift Card reflecting the replacement cost of a new product of equal features and functionality up to the Coverage Amount. Note: Spa, hot tub, and cold plunge products are ineligible for entire unit settlements.
Provide a refund of the purchase price of this Protection Plan if We are unsuccessful in repairing the damage of the covered product and We are unable to provide a replacement or reselection, or if the retail store location where you bought the plan has closed, no longer carriers Your purchased product, no longer carries Guardsman Plans, changed ownership, or you have moved from the original store's locations operating area since Your purchases. A refund will complete Our obligations under this Protection Plan.

FOR FIREARMS ONLY: You are responsible for selecting a Federally licensed retailer or dealer. We are not directly involved with servicing and do not pay for shipping or delivery. Gun Replacement is not available.

FOR FURNITURE PRODUCTS ONLY: If Your covered product is stained or damaged during the Term, and the type of stain or damage is covered under this Contract, We will provide service using one or more of the following procedures. Our service begins with Step 1 below and if your claim is accepted. If You decide that Step 1 below does not fully address the stain or damage, We will move to one or more of the other Steps below.

Step 1. Cleaning Kit for Stains: We may provide You with a cleaning kit or advice on how You may be able to remove the stain if You would like to try removing the stain Yourself. If You do not, or if You decide that method does not fully address Your covered stain and You inform Us (or by selecting the appropriate online box that indicates the cleaning kit did not work) by returning the claim form to Us within thirty (30) days of Your reporting the stain to Us, We will move to one of the next steps below.

Step 2. Technician Assessment and Service: If You submit a claim form and a technician may be able to provide service to repair the stain or damage, We will send an authorized technician to assess the stain or damage and perform repairs if the technician determines that the stain or damage can be repaired. In the event the Administrator arranges for Your covered product to be serviced at Your residence, You must ensure the following: (1) accessibility to the covered product; (2) a non-threatening and safe environment; and (3) an adult over the age of 18 present for the entire period of time in which Our authorized technician is on Your property for arranged service. In the event the Administrator dispatches a servicing technician to Your residence, and it is then determined that servicing/repair must be made off-site, such will be performed at no additional cost. NOTICE: Service at Your residence will only be provided by Our authorized service technician during regular business hours, local time, Monday through Friday (excluding USA holidays). All repairs will be performed in a professional and workmanlike manner. If the technician's service does not repair the stain or damage to Your covered product, You must notify Guardsman US LLC within thirty (30) days of when the technician serviced Your claim. Note: Additional time and mileage charges for in-home repairs outside of twenty-five (25) contiguous land miles or the normal service radius of the authorized service center are not covered by this Agreement. In the event a Covered Product must be shipped to a central service facility, We will pay for two-way shipping to the point of repair and thereafter.

Step 3. Replacement, Reselection, or Cash Settlement: If the technician cannot remedy the stain or damage, We may arrange to provide a Replacement or, if a Replacement is not available, then a Reselection at the retail store location where you bought the covered Furniture, or a Cash Settlement.

Step 4. Refund: If We are unsuccessful in repairing the stain or damage to Your Furniture and We are unable to provide a Replacement, or Reselection for example, the retail store location where you bought the Plan has closed, no longer carries Guardsman Plans, changed ownership, or stopped selling Furniture, or you have moved from the original store location's operating area since your purchase, We will provide You a refund of the purchase price of the Plan rather than a Replacement or Reselection. A refund will complete Guardsman's obligations under this Plan for all Furniture covered by this Plan.

ALL PROTECTION PLANS: Depending on the Product and failure circumstances, at Our discretion, We will either:

Repair Your Product (In-home/on-site, mail-in or local repair service may be available, at Our discretion) Note: In the event service is performed In-home, we require someone 18 years or older be home at the time of service. Additional time and mileage charges for in home repairs outside twenty-five (25) contiguous land miles or the normal service center are not covered by this Agreement. Shipping is not included with this protection plan.
Replace Your Product with a product of like kind, quality, and functionality (replacement products may retail at a lower price than Your original Product); or
Provide a cash settlement or a Gift Card reflecting the replacement cost of a new product of equal features and functionality up to the Coverage Amount. Note: Spa, hot tub, and cold plunge products are ineligible for entire unit settlements.
Provide a refund of the purchase price of this Protection Plan if We are unsuccessful in repairing the damage of the covered product and We are unable to provide a replacement or reselection, or if the retail store location where you bought the plan has closed, no longer carriers Your purchased product, no longer carries Guardsman Plans, changed ownership, or you have moved from the original store's locations operating area since Your purchases. A refund will complete Our obligations under this Protection Plan.

FOR FIREARMS ONLY: You are responsible for selecting a Federally licensed retailer or dealer. We are not directly involved with servicing and do not pay for shipping or delivery. Gun Replacement is not available.

FOR FURNITURE PRODUCTS ONLY: If Your covered product is stained or damaged during the Term, and the type of stain or damage is covered under this Contract, We will provide service using one or more of the following procedures. Our service begins with Step 1 below and if your claim is accepted. If You decide that Step 1 below does not fully address the stain or damage, We will move to one or more of the other Steps below.

Step 1. Cleaning Kit for Stains: We may provide You with a cleaning kit or advice on how You may be able to remove the stain if You would like to try removing the stain Yourself. If You do not, or if You decide that method does not fully address Your covered stain and You inform Us (or by selecting the appropriate online box that indicates the cleaning kit did not work) by returning the claim form to Us within thirty (30) days of Your reporting the stain to Us, We will move to one of the next steps below.

Step 2. Technician Assessment and Service: If You submit a claim form and a technician may be able to provide service to repair the stain or damage, We will send an authorized technician to assess the stain or damage and perform repairs if the technician determines that the stain or damage can be repaired. In the event the Administrator arranges for Your covered product to be serviced at Your residence, You must ensure the following: (1) accessibility to the covered product; (2) a non-threatening and safe environment; and (3) an adult over the age of 18 present for the entire period of time in which Our authorized technician is on Your property for arranged service. In the event the Administrator dispatches a servicing technician to Your residence, and it is then determined that servicing/repair must be made off-site, such will be performed at no additional cost. NOTICE: Service at Your residence will only be provided by Our authorized service technician during regular business hours, local time, Monday through Friday (excluding USA holidays). All repairs will be performed in a professional and workmanlike manner. If the technician's service does not repair the stain or damage to Your covered product, You must notify Guardsman US LLC within thirty (30) days of when the technician serviced Your claim. Note: Additional time and mileage charges for in-home repairs outside of twenty-five (25) contiguous land miles or the normal service radius of the authorized service center are not covered by this Agreement. In the event a Covered Product must be shipped to a central service facility, We will pay for two-way shipping to the point of repair and thereafter.

Step 3. Replacement, Reselection, or Cash Settlement: If the technician cannot remedy the stain or damage, We may arrange to provide a Replacement or, if a Replacement is not available, then a Reselection at the retail store location where you bought the covered Furniture, or a Cash Settlement.

Step 4. Refund: If We are unsuccessful in repairing the stain or damage to Your Furniture and We are unable to provide a Replacement, or Reselection for example, the retail store location where you bought the Plan has closed, no longer carries Guardsman Plans, changed ownership, or stopped selling Furniture, or you have moved from the original store location's operating area since your purchase, We will provide You a refund of the purchase price of the Plan rather than a Replacement or Reselection. A refund will complete Guardsman's obligations under this Plan for all Furniture covered by this Plan.

SECTION 11 – HOW TO FILE A CLAIM

IMPORTANT INFORMATION: 1.) The submission of a Claim does not automatically mean that the damage to or failure of the Product is covered under Your Plan or this Contract. In order for a Claim to be considered, You have to contact the Administrator first for Claim approval and to obtain Your authorization number. 2.) If the Administrator authorizes service for a Claim on Your covered product and it is then determined by Our authorized service center/technician to be excluded under the Terms & Conditions of this Contract or results in a "NO PROBLEM FOUND" diagnosis, You may be responsible for all repair costs including shipping costs.

COMPLETE THE FOLLOWING STEPS TO HAVE YOUR CLAIM CONSIDERED UNDER THIS CONTRACT:

a) Go online to www.MyProtectionPlan360.com or call toll-free 1-(800)-342-5349 with Your Purchase confirmation readily available. NOTE: For Appliance, Furniture, Mattress, Rug, and Lighting Plans, Claims must be filed within thirty (30) days from the date of the damage or stain.

b) Explain the problem Your covered product(s) is experiencing and provide the Administrator any additional information/documentation in order to validate Your Claim. We may, at Our discretion, require You to submit pictures, audio, or video of the damage or defect of which You are making a claim.

c) After confirmation of Claim eligibility under Your Plan and this Contract, the Administrator will issue a Claim authorization number to You along with additional information regarding how Your covered product(s) will be further serviced (refer to the "HOW WE SERVICE YOUR PRODUCT" section above for further details).

In the event the Contract Term expires during time of an approved Claim, Your coverage will be automatically extended until the date in which the Claim in progress has been fulfilled completely in accordance with the terms and conditions of the Protection Plan.

IMPORTANT INFORMATION: 1.) The submission of a Claim does not automatically mean that the damage to or failure of the Product is covered under Your Plan or this Contract. In order for a Claim to be considered, You have to contact the Administrator first for Claim approval and to obtain Your authorization number. 2.) If the Administrator authorizes service for a Claim on Your covered product and it is then determined by Our authorized service center/technician to be excluded under the Terms & Conditions of this Contract or results in a "NO PROBLEM FOUND" diagnosis, You may be responsible for all repair costs including shipping costs.

COMPLETE THE FOLLOWING STEPS TO HAVE YOUR CLAIM CONSIDERED UNDER THIS CONTRACT:

a) Go online to www.MyProtectionPlan360.com or call toll-free 1-(800)-342-5349 with Your Purchase confirmation readily available. NOTE: For Appliance, Furniture, Mattress, Rug, and Lighting Plans, Claims must be filed within thirty (30) days from the date of the damage or stain.

b) Explain the problem Your covered product(s) is experiencing and provide the Administrator any additional information/documentation in order to validate Your Claim. We may, at Our discretion, require You to submit pictures, audio, or video of the damage or defect of which You are making a claim.

c) After confirmation of Claim eligibility under Your Plan and this Contract, the Administrator will issue a Claim authorization number to You along with additional information regarding how Your covered product(s) will be further serviced (refer to the "HOW WE SERVICE YOUR PRODUCT" section above for further details).

In the event the Contract Term expires during time of an approved Claim, Your coverage will be automatically extended until the date in which the Claim in progress has been fulfilled completely in accordance with the terms and conditions of the Protection Plan.

SECTION 12 – LIMIT OF LIABILITY

SINGLE COVERED PRODUCT MAXIMUM: For any one covered product, the maximum that We are obligated to pay in connection with all Claims under this Protection Plan is the amount equal to the original product purchase price for such single covered product. Once a single covered product has reached this Single covered product Maximum, that particular Product is no longer eligible for coverage under the original Contract Term. However, any/all remaining covered products that have not yet reached the Single covered product Maximum will continue to be covered for the remainder of the Contract Term.

AGGREGATE COVERED PRODUCT MAXIMUM: Cumulatively, the maximum amount that We will pay for all covered products shall not exceed the sum of all covered product purchase prices as shown on Your Purchase confirmation and Your Sales Receipt, or $15,000 – whichever is LESS.

IN ADDITION TO THAT WHICH IS NOTED ABOVE, NEITHER WE NOR THE ADMINISTRATOR NOR THE RETAILER SHALL BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES; INCLUDING BUT NOT LIMITED TO: PROPERTY DAMAGE, LOST TIME, LOST DATA, OR LOST INCOME/WAGES RESULTING FROM THE FAILURE OF OR DAMAGE TO ANY COVERED PRODUCT OR COMPONENT THEREOF, REGARDLESS OF WHETHER SUCH FAILURE OR DAMAGE IS COVERED UNDER THE PROVISIONS OF THIS CONTRACT, OR FROM DELAYS IN SERVICE OR THE INABILITY TO RENDER SERVICE, OR RESULTING FROM THE UNAVAILABILITY OF REPAIR OR REPLACEMENT PARTS/COMPONENTS/ITEMS OR INABILITY TO PROVIDE EXACT MATCH REPLACEMENT, OR FOR ANY AND ALL PRE-EXISTING CONDITIONS KNOWN TO YOU; INCLUDING ANY INHERENT PRODUCT FLAWS.

NOTICE FOR MONTHLY BILLING AND LTO: Once either of these limits has been reached, Our obligations under this Protection Plan will be considered fulfilled and coverage ends.

SINGLE COVERED PRODUCT MAXIMUM: For any one covered product, the maximum that We are obligated to pay in connection with all Claims under this Protection Plan is the amount equal to the original product purchase price for such single covered product. Once a single covered product has reached this Single covered product Maximum, that particular Product is no longer eligible for coverage under the original Contract Term. However, any/all remaining covered products that have not yet reached the Single covered product Maximum will continue to be covered for the remainder of the Contract Term.

AGGREGATE COVERED PRODUCT MAXIMUM: Cumulatively, the maximum amount that We will pay for all covered products shall not exceed the sum of all covered product purchase prices as shown on Your Purchase confirmation and Your Sales Receipt, or $15,000 – whichever is LESS.

IN ADDITION TO THAT WHICH IS NOTED ABOVE, NEITHER WE NOR THE ADMINISTRATOR NOR THE RETAILER SHALL BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES; INCLUDING BUT NOT LIMITED TO: PROPERTY DAMAGE, LOST TIME, LOST DATA, OR LOST INCOME/WAGES RESULTING FROM THE FAILURE OF OR DAMAGE TO ANY COVERED PRODUCT OR COMPONENT THEREOF, REGARDLESS OF WHETHER SUCH FAILURE OR DAMAGE IS COVERED UNDER THE PROVISIONS OF THIS CONTRACT, OR FROM DELAYS IN SERVICE OR THE INABILITY TO RENDER SERVICE, OR RESULTING FROM THE UNAVAILABILITY OF REPAIR OR REPLACEMENT PARTS/COMPONENTS/ITEMS OR INABILITY TO PROVIDE EXACT MATCH REPLACEMENT, OR FOR ANY AND ALL PRE-EXISTING CONDITIONS KNOWN TO YOU; INCLUDING ANY INHERENT PRODUCT FLAWS.

NOTICE FOR MONTHLY BILLING AND LTO: Once either of these limits has been reached, Our obligations under this Protection Plan will be considered fulfilled and coverage ends.

SECTION 13 – EXCLUSIONS (WHAT IS NOT COVERED)

As related and applicable to Your covered products this Contract does not cover any failure, damage, repairs, or services in connection with or resulting from:

ALL PROTECTION PLANS:

A. Any damage that is covered under any other insurance, warranty, guaranty, and/or Protection Plan providing the same benefits outlined in this Contract.

B. Batteries, Battery leakage, batteries that are merely discharged;

C. Any Claim related to any type of repair or replacement that was not prior authorized by the Administrator or Us;

D. Any Product that has been confirmed to be used in a commercial, business, educational institution, or industrial capacity, unless commercial coverage was offered and is listed on Your purchase confirmation as a part of Your Protection Plan;

E. A pre-existing condition known to You ("pre-existing condition" refers to a condition known by you, that within all reasonable mechanical or electrical probability, relates to the mechanical fitness of the Covered Equipment before this Contract was purchased);

F. Natural flaws or inherent design or manufacturer's defects;

G. Accidental damage or liquid damage unless ADH coverage was offered and is listed on Your purchase confirmation purchased as part of Your Protection Plan;

H. Normal wear and tear, not applicable to all Products;

I. Intentional damage, Secondary, or collateral damage;

J. Lost, stolen, or irretrievable items;

K. Any Product that is fraudulently described or materially misrepresented;

L. Except as otherwise provided, maintenance, service, repair or replacement necessitated by loss or damage resulting from any cause other than normal use, storage and operation of the Product in accordance with the manufacturer's specifications and owner's manual;

M. Damage caused by exposure to weather conditions, improper electrical/power supply, improper equipment modifications, add-on products or accessories, attachments or installation or assembly, collision with any other object, vandalism, animal or insect infestation, corrosion, battery leakage, act of nature (any accident caused or produced by any physical cause which cannot be foreseen or prevented, such as storms, perils of the sea, tornadoes, hurricanes, floods and earthquakes) or any other force majeure or peril originating from outside the Product;

N. Damage caused by "accumulation," including, without limitation, damage from any re-peated use or gradual buildup of dirt, dust, oils or similar, such as hair and body oils, perspiration or darkened bodily contact areas;

O. Damage caused by any improper care, negligence, neglect, intentional acts, misuse or abuse of the Product; any repair, replacement or handling of the Product other than as recommended or authorized by the manufacturer and/or Us; or any failure to comply with the manufacturer's warranty;

P. Damage caused by cleaning methods, products, or materials;

Q. Defects due to the installation, assembly, or hookup of Your Product;

R. Damage caused by transit, delivery, redelivery, removal or reinstallation of the Product, or the Product being moved between different locations or into or out of storage, including damage caused by packing or unpacking of the Product;

S. Claims made under any improper or incorrectly purchased Protection Plan;

T. Except as otherwise provided, "cosmetic damage," defined as any damages or changes to the physical appearance of a Product that does not impede or hinder its normal operating function as determined by Us, such as scratches, abrasions, peelings, dents, kinks, changes in color, texture, or finish or similar conditions;

U. Consumer replaceable or consumable batteries unless battery coverage has been offered and purchased as part of Your Protection Plan;

V. Product(s) with removed or altered serial numbers;

W. Manufacturer defects or equipment failure which is covered by manufacturer's warranty, manufacturer's recall or factory bulletins (regardless of whether or not the manufacturer is doing business as an ongoing enterprise);

X. Damage to computer hardware, software and data or loss of software or data, caused by, including, but not limited to, viruses, application programs, network drivers, source code, object code or proprietary data, or any support, configuration, installation or re-installation of any software or data;

Y. "No Problem Found" diagnosis, intermittent and non-intermittent issues that are not failures of the Product (such as poor cell phone reception);

Z. Items sold in a private sale (e.g. flea market, yard sale, estate sale, Craigslist), any Product that is a demonstration/in-store model, or that is sold "as-is", a Product that is no longer in Your possession;

AA. Any failure, damage, repairs, or loss that is covered under any other protection plan, warranty, service plan or insurance;

BB. We shall not be responsible for any loss arising out of the unauthorized access or use of any system, software, hardware, or firmware, or any modification, reprogramming, destruction, or deletion of data or software by any means;

CC. Replacements on Firearms;

FOR APPLIANCES PLANS

A. Electrolux Refrigerators;

FOR HOME FURNISHINGS PLANS

A. Ready-to-assemble ("RTA") furniture;

B. Rattan, bamboo, wicker, woven resin, nubuck, suede, silk, "X" coded and/or non-color fast fabrics;

C. Split-grain leather hides used in seat cushions, back cushions, or arm areas;

D. Velvet or velvet types of furniture;

E. Orlon furniture;

F. Mattresses (unless appropriate plan is purchased);

G. Items with protective finishes;

H. Lamps, decorative items, robotics, TV lifts, electronics, USB ports, electrical outlets, or clocks;

I. Furniture sold "as-is" before delivery;

J. Normal wear and tear; including but not limited to: scuffing, scrapes or surface abrasions that do not penetrate through the Product's finish; softening of cushions conforming to the shape of the user (body impressions); soiling buildup that accumulates over time from repeated use (such as stains from perspiration, body oil or hair oil) and loosening of chair legs, rungs or joints, loss of foam and/or inner spring resiliency;

K. Flattening of nap, pilling, snags or fraying/matting of material, or shrinking of material;

L. Stress tears (tearing or ripping of upholstery within one-half inch (1/2") of and parallel to the seam line;

M. Leather surface scratches that do not penetrate through the upholstery;

N. Odors, including odors that remain after a visible stain is cleaned;

O. Dye transfer;

P. Fading of the upholstery, color loss, and/or discoloration;

Q. Wood surface scratch, dent, chip, or gouge that does not penetrate through the finish;

R. Peeling of any kind of leather;

S. Nicks, scratches, or wrinkles that are inherent to the leather/hide and were present at time of Product purchase;

T. Inherent design flaws including but are not limited to natural inconsistencies in upholstery, leather, vinyl or delamination of microfiber;

U. Stains or damage from acid, bleach, caustic solutions, mildew, mold, or recurring damage;

V. Correction for dye lot or texture variations arising from the service or replacement of any part of a covered product or the replacement of an entire covered product;

W. Reprogramming for any kind of data transfer or loss;

FOR FIREARM PLANS

A. New and Purchased Firearms over 30 days old;

B. Defect or malfunctions resulting from careless handling, unauthorized adjustments or modifications made or attempted by anyone other than a qualified gunsmith following manufacturer's procedures or failure to follow manufacturer's disassembly instructions;

C. Defects associated with any on-gun or off-gun part or accessory that is capable of being readily detached and/or replaced; this includes any scopes, optics, non-integrated mounts, electronic sights, slings, laser sights, or electronic components;

D. Repairs related to unreasonable use, corrosion, or barrels damaged by an obstructed bore;

E. Damage resulting from ammunition, including but not limited to: use of defective ammunition, hand-loaded or ammunition of the wrong caliber; use of high velocity, high pressure, reloaded or other nonstandard ammunition;

F. Incidental or consequential damage with respect to economic loss or injury to property, whether as a result of implied warranty, negligence, or otherwise;

G. Any repairs where serial number has been removed or altered;

H. Damage from full submersion of Covered Firearm;

I. Neglect, abuse, ordinary wear and tear, or unreasonable use;

J. Cleaning or preventive maintenance;

K. Cosmetic damage, including scratches or dents that do not otherwise affect the functionality of the Covered Firearm;

L. Normal wear of any parts or surface finish, including metal, wood, plastic, rubber, or other materials;

M. Criminal misuse, negligence, or use under the influence of drugs or alcohol;

FOR JEWELRY PLANS

A. Any inherent Product design defect or flawed gemstones;

B. Loss of diamonds, gemstones, or other materials (unless such loss is related to a functional breakdown of the covered product);

C. Parts normally designated to be replaced periodically by You or consumed during the life of the Product such as batteries;

D. Water damage if used under conditions which exceed the manufacturer's water resistance guidelines;

E. Diamonds, Gemstones, or any other components supplied by the customer and not included as a covered product under the Protection Plan;

F. Cosmetic scratches and dents on non-silvertone stainless steel watch bands;

G. Ring sizing associated with arthritic shanks;

FOR ELECTRONIC PLANS

A. Television or personal computer monitor screen imperfections, including "burn-in" or burned CRT phosphor;

B. Consumer replaceable or consumable items including but not limited to toner, ribbons, ink cartridges, drums, belts, printer heads, blades, strings, and trim;

C. Projector or rear projection TV bulbs;

FOR PERSONAL ELECTRIC TRANSPORT VEHICLES PLANS

A. Any electric transport that goes over 25mph;

B. Throttle;

C. Batteries;