View our Terms and Conditions
View our Home Office Terms and Conditions

1. This Agreement does not cover pre-existing defects or deficiencies.
2. This Agreement does not cover providing for or closing access to covered items, except as noted in the “Covered” section of this Agreement.
3. This Agreement does not cover the restoration of any wall coverings, floor coverings, cabinets, counter tops, tiling, paint, or for the repair of any structural or cosmetic defects.
4. This Agreement does not cover parts, Units, Components, and/or any subassemblies that are covered by a manufacturer’s, contractor’s, builder’s or installer’s warranty.
5. This Agreement does not cover electronic, computerized or energy management systems or devices, lighting and appliance management systems, such as “Smart House”. 
6. Under no circumstances will We be liable for loss or damages to any person or property, indirect, consequential, or incidental, arising from the use or inability to use the Product to the extent such may be disclaimed by law, nor will this Agreement cover any defects which are subject to a manufacturer’s recall or which are covered under a manufacturer’s program of reimbursement.
7. This Agreement does not cover service, maintenance, repair, or replacement necessitated by any loss or damage resulting from any cause other than normal usage, such as, but not limited to loss or damage due to chemical or sedimentary build-up, misuse or abuse, unauthorized repair by others, failure to clean or maintain the Product, rust, corrosion, insect infestation, mold, mildew or bacterial manifestations, missing parts, structural change, fire, freezing, electrical failure or surge, water damage, lightning, mud, earthquake, soil movement, windstorms, hail, theft, negligence, riot, accidents, pet or pest damage, acts of God, or failure due to excessive water pressure or any other peril.
8. We have the sole right to determine whether a covered appliance, system or Component will be repaired or replaced, but We are not responsible for any delays in obtaining parts or replacement equipment.
9. In the event that replacement parts needed for repair should become unavailable during the coverage period of the Agreement, We shall be excused from performance and You may receive a residual allowance to aid in the replacement of the Product or Unit. 
10. We are responsible for installing replacement equipment of similar features, capacity and efficiency, but not for matching dimensions, brand or color. We are not responsible for upgrades or for the cost of construction, carpentry, or other modifications made necessary by existing equipment or installing different equipment.
11. This Agreement does not cover repairs related to inadequacy or lack of capacity, improper installation, previous repair, design, or any modification to the system or appliance. 
12. This Agreement does not cover preventative maintenance.
13. This Agreement does not provide any service for Products used for commercial or institutional purpose.
14. This Agreement does not cover repairs arising from manufacturer’s recall of covered items or any items while still under an existing manufacturer’s, distributors or in-home warranty.
15. This Agreement does not cover any service involving hazardous or toxic materials, asbestos, lead or the disposal/recovery of refrigerants or contaminants.

15.  DEDUCTIBLE/SERVICE CALL CHARGE. You will pay a deductible/service call charge for each trade service call per Product, per occurrence, or the actual cost, whichever is less as specified on the Schedule Page. The trade service call fee is for each occurrence where We approved the service call and is payable to Our Authorized Service Contractor at the time of each visit. If repairs are made to additional systems, a separate deductible will apply to each system repaired. We cannot respond to a new request for service when any previous service fee is outstanding. Failure to pay the trade service call fee will result in suspension of coverage until such time as the proper fee is paid. At that time, coverage will be reinstated, but the Agreement period will not be extended.

16. CANCELLATION.        By You: You may cancel this Agreement at any time for any reason by mailing a request for cancellation to Us.  The effective date of cancellation is the date We receive the request. Any refund, if available, will be determined on a pro rata basis less the cost of any service performed under this Agreement.  An administrative fee of 10% of the original selling price or $25, whichever is less, will be charged for processing.By Us: We may cancel this Agreement at any time and without notice for fraud, material misrepresentation, nonpayment by You, or non-renewal. We have the right to cancel this Agreement without liability.  If We cancel this Agreement, We shall calculate a pro rata unearned refund based on 100% of what You paid.       [If payment for the Agreement was financed within a home loan and if Your home is repossessed by Your lender during the term of coverage, this Agreement may be canceled by the lender.  A refund will be issued to the payor of record.  If the cost of the Agreement was financed, the refund may be sent to the lender and may be credited to the loan balance. The lender may not make a claim under the Agreement and no coverage is afforded under the Agreement to the lender.]       If Your billing option is monthly and You or We cancel, the purchase price paid by You is fully earned and You will not receive a refund.
           
We reserve the right to change this Agreement’s fee upon giving You thirty (30) days written notice.  We also reserve the right to modify this Agreement from time to time upon thirty (30) days written notice to You.

17. Building and Zoning Code Requirements or Violations. We will not upgrade any covered Product or Unit. If an item of like kind and quality and functionality cannot be utilized because current zoning, building or other code of government regulations, Our liability is limited to Our cost of the like kind and quality item. If current building or other code violations are discovered before or during the performance of service, We shall not be required to perform service until You complete the necessary corrective work. If additional costs are incurred in order to comply with local, state, or federal law, We shall not be responsible for that additional expense. We are not responsible for service when permits cannot be obtained nor will We pay any costs relating to permits.

18. Miscellaneous. Failure to pay the initial payment or subsequent monthly or renewal payments will cause Your coverage to be suspended or to be cancelled.



Home Office Terms and Conditions

Please refer to the Special State Disclosure section to confirm any applicable state requirements. The Special State Disclosures supersede any other provision herein to the contrary.

1) DEFINITIONS:
The obligor ("Obligor") and Administrator (“Administrator”) of this service contract (“Contract”) is Federal Warranty Service Corporation, [P.O. Box 105689, Atlanta, GA 30348-5689, (866) 266-8685], in all states except in CA where Sureway, Inc. is the Obligor, FL where American Bankers Insurance Company of Florida is the Obligor and MA where the Retailer is the Obligor. The Administrator’s 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]  ("Insurer"). “You” and “Your” indicates the purchaser of this  service contract “Contract”. “You” and “Your” indicates the purchaser of this  Contract.“We”, “Us” and “Our” shall collectively mean the Obligor, the Administrator and the Insurer. “Retailer” indicates the retail store where You purchased the covered products and the Contract.

2) WHAT IS COVERED:
Service performed hereunder shall consist of labor and parts necessary to restore Your covered product to normal operating condition. This Contract also provides coverage for technical assistance and troubleshooting for the operation of Your covered product when You call Our toll-free number for service. Hardware technical support shall be limited to the configuration and proper operation of the existing hardware components.  Any items covered by this Contract must be in good working condition on the effective date listed on the Schedule Page

3) TERM:  
Protection under this Contract starts on the start date specified on the Schedule Page. If the Contract is monthly, it is renewed monthly by Your payment of the monthly fee. If the monthly fee is not paid, coverage will terminate. If the Contract is other than monthly, it will terminate upon the expiration date stated on the Schedule page.

4)   COVERED PRODUCTS:
This Contract provides coverage  for up to one (1) computer and one (1) monitor one (1) printer and one (1) fax machine or multi-function machine . The covered product(s) must be five (5) years old or less and used primarily for personal, family or household purposes. Your actual covered product(s) will be listed on the Schedule page.HARDWARE includes but is not limited to the following: Computers (CPU, Internal Hard Drive, Internal Floppy Drive, Graphics Card, NIC Cards, Motherboard, Optical Drives, Power Supply, Sound Card). Peripherals such as Monitors, Printers (including all-in-one devices), Fax Machines, Mouse, Keyboard, and Speakers, .

5)   SETTLEMENT OPTION: 
At Our option, We may replace Your covered product with a new or refurbished product of like kind and quality if We are unable to repair Your product or where the cost for repair may exceed the current retail replacement value of Your covered product, or in the event that replacement parts needed for repair become unavailable.  The price of the replacement product shall not exceed the retail purchase price of the original covered product. If We replace Your covered product with a new or refurbished product of like kind and quality, coverage under this Contract is automatically extended to Your new product. If We replace Your covered product, the original product will become Our property. You may be required to return the original product to Us at Your expense. If We elect to replace Your covered product and a replacement product is not available, We will pay You a cash settlement.  The amount of the cash settlement shall not exceed the current retail cost of a replacement product of like kind and quality and, such retail cost shall not exceed the retail purchase price You paid for the original covered product. Upon payment of the cash settlement, coverage for that product will cease.  However, if You choose to replace the product with a brand new product, coverage under this Contract may be extended to Your new product.  To extend coverage to Your new product, You must register  Your new product by calling Us at [800-358-8102] within thirty (30) days of the product purchase date.  The maximum number of replacements under this  coverage is as specified on the Schedule Page. Our limit of liability shall not exceed the retail purchase price You paid for the covered product per 12 month period of coverage.

6)   IF YOU NEED SERVICE:  Please call the toll free number on the schedule page for technical support. Service will be available 24 hours per day, 7 days per week including holidays. If We determine that In-Home Service is needed, it shall be available and rendered during normal business hours not including holidays.

7)   TYPES OF SERVICE AND SERVICE LOCATION: Technical assistance and troubleshooting for the operation of Your covered product will be performed via the telephone when You call Our toll-free number for service. If the problem cannot be solved via the telephone as determined by the technical service representative, We will authorize one of the following service options.

(a) In-Home Service: An authorized service techinician will be dispatched to the location of Your covered product. You will be responsible for payment of the deductible at the time service is authorized. An adult (of legal age) must be present at the location where on-site service will be performed.
(b)  Depot Service: Depending on Your product type as determined by Us, You may receive a postage-paid box to ship the covered product for repair. You will be responsible for payment of the deductible at the time service is authorized. Once the covered product is restored to normal operating condition, the service technician will ship it back to You.

8)  DELAYS
We will exercise reasonable efforts in providing service under this Contract, but We shall not be liable for any damages arising out of delays, consequential damages, delays or failure in performing such services caused by acts of nature, acts of any government, failure of transportation, accidents, riots, war, labor actions or strikes or other causes beyond its control.  The Administrator will exercise all reasonable efforts to perform service under this Contract, but will not be responsible for

9)  PARTS 
Materials furnished as replacements for parts will be drawn from Our service contractor’s inventory of new or rebuilt parts and components. These materials will be furnished under provisions of the manufacturer’s warranty while still in effect and then by Our service during the rest of its term of coverage. In the event that replacement parts needed for repair become unavailable during the coverage period of the Contract at Our option, You may receive a residual allowance to aid in the replacement of the product based on the age of the equipment and current market value. If You choose to replace the product with a brand new product, We automatically extend coverage under this Contract to Your new product upon receipt of proof of purchase. For details refer to the RESIDUAL ALLOWANCE TABLE.

10) RESIDUAL ALLOWANCE TABLE.
The product to be covered must be in good operating condition at the time of application.

	Residual
Product	Amount
Laptop Desktop Monitor Printer M/F Keyboard Mouse	$500 $300 $100 $75 $20 $10

11) PRODUCTS NOT ELGIBILE FOR COVERAGE
This Contract does not cover products used for commercial or institutional purposes and products more than five (5) years old.

12) WHAT IS NOT COVERED
  Cabinets and associated non-operating components of Your product, such as protective glass, frame, filters, antenna, consumer replaceable batteries, toner and developer cartridges, drum cartridges, stylus, fuser, transfer belts, maintanence kits, paper trays, consumer replaceable print heads, needles,  networking cables, trays, shelves, light bulbs, consumer replaceable projector bulbs, tapes, ribbons, hoses, knobs, bags, pre-installed, customized or proprietary software. This Contract does not cover any recall program whether the manufacturer is in business or not.

13) SERVICES NOT COVERED
This Contract does not cover service, maintenance, repair, or replacement necessitated by any loss or damage resulting from any cause other than normal usage in accordance with manufacturer specifications, such as, but not limited to loss or damage due to misuse, abuse, unauthorized repair by others, improper installation, rust, corrosion, insect infestation, fire, water, windstorm, hail, earthquake, theft, negligence, riot, or any other peril. IN NO EVENT SHALL THIS SERVICE CONTRACT BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES WHETHER IN CONTRACT, TORT, OR NEGLIGENCE. This Contract does not provide for any expansion of the channel or frequency range capabilities of Your product, nor does it provide for cable television adjustments, hookups, or audio-video system installation.  This Contract does not provide coverage for Internet Service Provider (ISP) connectivity issues. You must contact Your ISP. This Contract does not cover customized or proprietary software, or those software errors that confirm improperly functioning or defective software.  This Contract does not cover loss or corruption of data, damage due to computer viruses, and/or the restoration of software and operating systems to Your covered product. This Contract does not cover radio frequency interference due to improper installation or close proximity to other electronic equipment. This Contract does not cover claims arising from any breach of implied or expressed warranty of merchantability or fitness of the product from the manufacturer. This Contract does not cover pre-existing conditions that occur prior to the effective date of this Contract.

14) WHAT YOU MUST DO
You are responsible for backing up all computer software data prior to commencement of any technical support or repairs.  Non-technical cleaning to provide a normal operating environment as described in the manufacturer’s instruction manual for the covered product is Your responsibility. You are to provide normal household cleaning for Your product.

15) RENEWALS
We may, at Our option, renew the Contract; however, We are not obligated to offer You another Contract upon termination of this Contract or to accept a Contract order, in the event You tender one.

16) TRANSFERABILITY
This Contract is not transferable.

17) CANCELLATION
You may cancel this Contract at any time for any reason by calling [800-358-8102] or by mailing a request for cancellation to [P.O. Box 4065, Monroe, LA  71211-4065]. The effective date of cancellation is the date We receive the request.  If You cancel the Contract within the first thirty (30) days and no claims have been filed, the Contract is void and You will receive a full refund. If You cancel after the first thirty (30) days (or within the first thirty (30) days and a claim has been filed), the purchase price paid by You is fully earned and You will not receive a refund.  If this Contract was inadvertently sold to You on a product which was not intended to be covered by this Contract, We will cancel this Contract and return the full purchase price of the Contract to You.

18) DEDUCTIBLE
This Contract has a deductible as specified on the Schedule Page. This charge will apply on a per occurrence and per covered product basis. You are responsible for payment of this deductible when service is authorized as stated in “Types of Service and Service Location”.

19) REPEAT SERVICE
If Your product requires service more than once within a 90 day period, it must be completed by the original repair center.

20) ARBITRATION PROVISION
Read The Following Arbitration Provision ("Provision") Carefully.  It Limits Certain Of Your Rights, Including Your Right To Obtain Relief or damages Through Court Action.

As used in this Provision, "You" and "Your" mean the person or persons named in this Contract, and all of his/her heirs, survivors, assigns and representatives.  “We” and “Us” shall mean the Obligor identified above and shall be deemed to include all of its agents, affiliates, successors and assigns, and any retailer or distributor of its products, and all of the dealers, licensees, and employees of any of the foregoing entities.

Any and all claims, disputes, or controversies of any nature whatsoever (whether in contract, tort or otherwise, including statutory, common law, fraud (whether by misrepresentation or by omission) or other intentional tort, property, or equitable claims) arising out of, relating to, or in connection with (1) this Contract or any prior Contract, and the purchase thereof; and (2) the validity, scope, interpretation, or enforceability of this Provision or of the entire Agreement (“Claim”), shall be resolved by binding arbitration before a single arbitrator. All arbitrations shall be administered by the American Arbitration Association (“AAA”) in accordance with its Expedited Procedures of the Commercial Arbitration Rules of the AAA in effect at the time the Claim is filed.  The terms of this Provision shall control any inconsistency between the AAA's Rules and this Provision. You may obtain a copy of the AAA's Rules by calling (800) 778-7879. Upon written request We will advance to You either all or part of the fees of the AAA and of the arbitrator.  The arbitrator will decide whether You or We will be responsible for these fees. The arbitrator shall apply relevant substantive law and applicable statute of limitations and shall provide written, reasoned findings of fact and conclusions of law.  This Provision is part of a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.  If any portion of this Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of the Provision.  This Provision shall inure to the benefit of and be binding on You and Us and its Provision shall continue in full force and effect subsequent to and notwithstanding the expiration of termination of this Contract.

You 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. 
You and We Understand and agree that because of this PROVISION neither you nor us will have the right to go to court except as provided above or to have a jury trial or to participate as any member of a class of claimants pertaining to any claim.

21) STATE SPECIFIC DISCLOSURES:
The following State Specific Requirements apply if Your Contract was purchased in one of the following states and supersede any other provision herein to the contrary.

AL, CT, GA, IL, IN, KY, MO, NC, NH, NV, NY, SC, TX, UT, WI, WV only: Our obligations are insured by [American Bankers Insurance Company of Florida].  If We fail to pay or provide service on a claim within sixty (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 [1-800-852-2244]. Computer equipment coverage not available in AL, FL, GA, HI, NV, SC, WI, WY, CA, TX and MN.

Alabama only: Cancellation:You may return this Contract within twenty (20) days of the date this Contract was provided to You, or within ten (10) days if the Contract was delivered to You at the time of sale. If You made no claim, the Contract is void and the full purchase price will be refunded to You. If You cancel this Contract after the first 20 days, You will receive the unearned portion of the full purchase price of the Contract, less an administrative fee of up to twenty-five ($25.00). The Administrator will pay a penalty of 10% per month on a refund that is not paid or credited within forty-five (45) days after return of the service contract to the Administrator. These provisions apply only to the original purchaser of the Contract. In the event the Administrator cancels the Contract, the Administrator will mail a written notice to You at Your last known address at least five (5) days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee or a material misrepresentation by you relating to the covered property or its use.

Arizona only: CASH SETTLEMENT OPTION: The following is added: The replacement of the product(s) in its entirety shall not eliminate the OBLIGOR’S obligation for future repairs or replacement as otherwise provided under this Contract. CANCELLATION: If Your written notice of cancellation is received prior to the expiration date, the Administrator shall refund the remaining pro rata price, regardless of prior services rendered under the Contract. Claims paid or the cost of repairs performed shall not be deducted from the amount to be refunded upon cancellation of this Contract. If Your written notice of cancellation is received prior to the expiration date, the Administrator will refund You the remaining pro-rated price, REGARDLESS of prior services rendered against the Contract. No claim incurred or paid shall be deducted from a refund. ARBITRATION: This arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints as outlined by the Arizona Department of Insurance. To learn more about this process, You may contact the Arizona Department of Insurance at 2910 N. 44th St., 2nd Fl. Phoenix, AZ 85018-7256, Attn: Consumer Affairs.

California only: This arbitration provision does not prohibit a California resident from following the process to resolve complaints as outlined by the California Bureau of Electronic and Appliance Repair (BEAR). To learn more about this process, You may contact BEAR at 1-800-952-5210, or You may write to Department of Consumer Affairs, 3485 Orange Grove Avenue, North Highland, California  95660, or You may visit their website at www.bear.ca.gov.

Colorado only:  Actions under this Contract may be covered by the provisions of the “Colorado Consumer Protection Act” or the “Unfair Practices Act”, articles 1 and 2 of title 6, C.R.S. A party of this Contract may have a right of civil action under such laws, including obtaining the recourse or penalties specified in such laws. 

Connecticut only: The term of this Contract will be automatically extended for the period during which the product is in the custody of a service center for repair. CANCELLATION: You may cancel this Contract if You return the product, or the product is sold, lost, stolen or destroyed. RENEWALS: Upon renewal, We reserve the right to change this Contract’s cost upon giving You at least thirty (30) days written notice. NOTICE: If You purchased this Contract in Connecticut, You may pursue arbitration to settle disputes between You and the provider of this Contract. You may mail Your complaint to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, Connecticut 06142‑0816, Attention: Consumer Affairs. The written complaint must describe the dispute, identify the price of the product and cost of repair, and include a copy of this Contract.

Florida only: CANCELLATION: In the event You cancel this Contract, You shall receive a full refund less any claims paid or the cost of any repairs made.  In the event We cancel this Contract, You shall receive a refund equal to one hundred percent (100%) of the unearned pro rata purchase price. ARBITRATION: The arbitration provision does not apply to the civil remedy provided by Florida Statute §634.433.  Furthermore, while arbitration is mandatory, the outcome of any arbitration shall be non-binding on the parties, and either party shall, following arbitration, have the right to reject the arbitration award and bring suit in a court of competent jurisdiction.

Georgia only:  ARBITRATION: Arbitration is deleted in its entirety. Under WHAT IS NOT COVERED: the following is hereby added to the second sentence: and We will not cover any or ALL pre-existing conditions known to You THAT OCCUR PRIOR TO THE EFFECTIVE DATE OF THE CONTRACT. In the event any covered service is not paid within sixty (60) days after proof of loss has been filed or the Administrator ceases to do business or goes bankrupt, You may apply directly to American Bankers Insurance Company of Florida. You may cancel at any time and receive a refund of the excess of the consideration paid for the Contract above the customary short rate for the expired term of the Contract.  No claim paid or incurred shall be deducted from any refund owed. The Contract shall be non-cancelable by the Obligor or the Administrator except for fraud, material misrepresentation, or failure to pay the consideration due therefor. Cancellation by the Obligor or the Administrator shall be in accordance with Section 33-24-44 of the Code of Georgia.

Hawaii only: CANCELLATION: If We cancel this Contract, prior written notice stating the effective date of the cancellation, will be mailed to You at least 5 days before cancellation. Prior notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by You relating to the covered property or its use, or a substantial breach of Your duties relating to the covered product or its use. NOTICE: You may contact the Insurance Commissioner, 250 South King Street, 5th Floor, Honolulu, Hawaii 96813. OBLIGATIONS: Obligations of the provider under this Contract are insured under a service contract contractual liability insurance policy.

Illinois only:  CANCELLATION:  You may cancel this Contract at any time. If You cancel this Contract within the first thirty (30) days of purchase and if no service has been provided to You, You shall receive a full refund of the purchase price less a cancellation fee equal to the lesser of ten percent (10%) of the purchase price or fifty dollars ($50.00). If You cancel this Contract at any other time or if You cancel after service has been provided to You, You shall receive a refund equal to the pro rata purchase price less the value of any service received and less a cancellation fee equal to the lesser of ten percent (10%) of the purchase price or fifty dollars ($50.00). Under WHAT IS COVERED: The following language has been added: This Contract covers breakdowns due to normal wear and tear.

Indiana only: SPECIAL PROVISION: Proof of payment to the Retailer that sold you this Contract constitutes proof of payment to American Bankers Insurance Company of Florida, issuer of the insurance policy that insures Our obligations.

Louisiana only: ARBITRATION: Arbitration is deleted in its entirety.

Maryland only: You may, within twenty (20) calendar days of receipt of the Contract, reject and return the Contract.  Upon return of the Contract within the applicable time period, if no claim has been made under the Contract, You will be refunded the full purchase price of the Contract. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after return of the Contract.

Michigan only: If performance of the Contract is interrupted because of a strike or work stoppage at the company’s place of business, the effective period of the Contract shall be extended for the period of the strike or work stoppage.

Minnesota only: CANCELLATION: In the event You cancel this Contract within thirty (30) days of receipt of this Contract, You shall receive a full refund or credit of any payments made by You under this Contract. We may cancel this Contract based on one or more of the following reasons: (A) non-payment of the Contract purchase prices; (B) a material misrepresentation made by You, or (C) a substantial breach of duties by You.  If We cancel this Contract for any of the above reasons, We will mail written notice of cancellation to You at least five (5) days prior to the effective date of cancellation. If We cancel this Contract for any other reason, We will mail written notice of cancellation to you at least fifteen (15) days prior to the effective date of cancellation stating the reason for cancellation. If We cancel this Contract, You shall receive a refund of 100% of the pro rata unearned portion of the Contract price less any claims which have been paid.

Nevada only: CASH SETTLEMENT OPTION:  The following is added: The replacement of the product in its entirety shall not eliminate Our Obligation for future repairs or replacement as otherwise provided under this Contract.     CANCELLATION:  If You cancel this Contract within the first thirty (30) days after receipt of this Contract, You will receive a full refund. You may cancel this Contract after thirty (30) days from the date of purchase of this Contract and receive a refund equal to the pro rata purchase price. No claim paid or the value of any service provided shall be deducted from any refund owed. No Contract that has been in effect for at least 70 days may be cancelled by the provider before the expiration of the agreed term or 1 year after the effective date of the Contract, whichever occurs first, except on the following grounds: (a) failure by the holder to pay an amount due; (b) conviction of the holder of a crime which results in an increase in the service required; (c) discovery of fraud or material misrepresentation by the holder in obtaining the Contract, or presenting a claim for service thereunder; (d) discovery of: (1) an act or omission by the holder; (2) a violation by the holder of any condition of the Contract which occurred after the effective date of the Contract and which substantially and materially increases the service required under the Contract; or (e) a material change in the nature or extent of the required service or repair which occurs after the effective date of the Contract and which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time the Contract was issued or sold. If Your written notice of cancellation is received after the effective date, We will refund You the remaining prorated price (less an administrative fee) regardless of prior services rendered against the Contract. If We cancel, You will receive a refund equal to the unearned pro rata purchase price. In the event We cancel the Contract, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation, which shall state the effective date of cancellation. REGULATION: The purchase of the Contract is not required in order to purchase goods or to obtain financing.

New Hampshire only: SERVICES NOT COVERED: The following is added: Any and all loss or damage that occur prior to the effective date of this Contract. REGULATION: The purchase of this Contract is not required in order to purchase any product. In the event You do receive satisfaction under this Contract, You may contact the New Hampshire Insurance Department at 21 South Fruit Street, Suite 14, Concord NH 03301, (800) 852-3416.

New Mexico only: The Administrator may not cancel this Contract once it has been in effect for seventy (70) days, except for the following conditions: failure to pay the Contract purchase price; the conviction of You of a crime which results in an increase in the service required under the Contract; fraud or material misrepresentation by You in purchasing the Contract or obtaining service; or the discovery of an act or omission, or a violation of any condition of the Contract by You which substantially and materially increases the service required under the Contract. If the Administrator cancels, You will receive a refund equal to the unearned pro rata purchase price less the cost of any repairs made.

New York only:  CANCELLATION:  In the event We cancel this Contract, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation with the reason for cancellation. The Administrator is not required to mail You written notice if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation, or a substantial breach of duties by You relating to the covered property or its use.

North Carolina only: CANCELLATION: The Administrator may not cancel this Contract except for nonpayment by You, or for violation of any of the terms and conditions of this Contract. If You cancel Your Contract, You will receive a pro rata refund, less the cost of any claims paid and less a cancellation fee of ten percent (10%) of the amount of the refund. REGULATION: The purchase of this Contract is not required in order to obtain financing.

Oklahoma only: This Contract is not issued by the manufacturer or wholesale company marketing the product covered by this Contract. This Contract will not be honored by such manufacturer or wholesale company. CANCELLATION: In the event You cancel this Contract, You shall receive a refund equal to ninety percent (90%) of the unearned pro rata purchase price. In the event the Administrator cancels this Contract, You shall receive a refund equal to one hundred percent (100%) of the unearned pro rata purchase price. No claim incurred or paid shall be deducted from the amount of the refund.

Oregon only: The Administrator’s obligations under the Contract are insured by a policy of insurance issued by American Bankers insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL  33157.

South Carolina: NOTICE:  If the provider does not timely resolve such matters within sixty (60) days of proof of loss, You may contact the South Carolina Department of Insurance, Post Office Box 100105, Columbia, SC  29202-3105, or (800) 768-3467. Coverage afforded under this Contract is not guaranteed by the Property and Casualty Guaranty Association.

Texas only: CANCELLATION: Upon cancellation by the producer, prior written notice of cancellation, stating the effective date and reason for the cancellation, will be mailed to the contract holder at the last known address at least 5 days before the effective date of the cancellation. Prior notice is not required if the reason for cancellation is nonpayment of the provider fee or a material misrepresentation by You relating to the covered property or its use, or a substantial breach of Your duties relating to the covered product or its use. NOTICE: If You have a question or complaint, You may contact the Texas Department of Licensing and Regulations, P. O. Box 12157, Austin, Texas 78711, (800) 803-9202 or (512) 463-6599. SPECIAL PROVISION: If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to American Bankers Insurance Company of Florida who insures Our obligations under this Service Contract, at the following address [11222 Quail Roost Drive, Miami, FL 33157], or call the Toll Free number at [1-800-852-2244].

Utah Only: Coverage afforded under this Contract is not guaranteed by the Utah Property and Casualty Guaranty Association. CANCELLATION:  No cancellation of this Contract shall become effective, unless We provide You with notice of such cancellation at least 30 days prior to the effective date of cancellation, except for cancellation for non‑payment, in which event We shall provide at least 10 days notice prior to the effective date and which notice shall state the reason for cancellation. ARBITRATION:  Arbitration is deleted in its entirety. Refer to Your original sales receipt for the purchase price.
Vermont only: CANCELLATION:  You may return Your Contract within twenty (20) days of the date the Contract was provided to You. If You made no claim, the Contract is void and the full purchase price will be refunded to You.  SPECIAL PROVISION: 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, 1-800-852-2244.

Washington only: You may return this Contract within twenty (20) days of the date this Contract was provided to You, or within ten (10) days if the Contract was delivered to You at the time of sale. If You made no claim, the Contract is void and the full purchase price will be refunded to You. The Administrator will pay a penalty of ten (10) percent per month on a refund that is not paid or credited within thirty (30) days after the return of the Contract to the Administrator. These provisions apply only to the original purchaser of the Contract. The right to void the Contract is not transferable. In the event Administrator cancels the Contract, the Administrator will mail a written notice to You at Your last known address at least twenty-one (21) days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. SPECIAL PROVISION: Our obligations are insured by American Bankers Insurance Company of Florida. You may file a claim at any time with American Bankers Insurance Company of Florida: [11222 Quail Roost Drive, Miami, FL 33157], or call the Toll Free number at [1-800-852-2244]. ARBITRATION:Nothing in the section headed ‘Arbitration’ shall invalidate Washington state law(s) which would otherwise be applicable to any arbitration proceeding arising from this Contract. All arbitrations will be held in the county in which You maintain Your permanent residence.

Wisconsin only: CANCELLATION:  We may cancel for any reason by giving You notice of cancellation at least ten (10) days prior to the cancellation date. No claim incurred or paid shall be deducted from the amount of Your cancellation refund. Unauthorized repairs may not be covered. We will not deny or reduce a claim solely because You did not obtain preauthorization if We are not prejudiced by Your failure to notify Us. REGULATION: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. CLAIMS: Proof of loss must be provided as soon as reasonably possible. Failure to furnish proof of loss within the time required does not invalidate or reduce a claim, unless We are prejudiced thereby, and it was reasonably possible to meet the time limit.

SUBROGATION: You will be made whole before the Administrator retains any amounts that may be recovered. (ARBITRATION – TBA)

Wyoming only: ARBITRATION: The Arbitration Provision of Your Contract is deleted; it is not applicable to You.

CANCELLATION
Prior notice is not required if the reason for cancellation is nonpayment of the provider fee or a material misrepresentation by You relating to the covered property or its use, or a substantial breach of Your duties relating to the covered product or its use.