Terms & Conditions

Throughout this Home Protection Program Agreement (the “Agreement”) the words “We”, “Us” and “Our” refer to Chartis Warranty Services, Inc. (CWS), the Obligor of this Agreement, except in Florida, Washington and Wisconsin. In Florida, the company obligated under this Agreement is New Hampshire Insurance Company (NHIC). In Washington and Wisconsin, the obligor is Chartis WarrantyGuard, Inc (CWG). The administrator of this Agreement is Service Net Solutions, LLC. The words “You” and “Your” refer to the homeowner/owner of the appliances and systems who has purchased this Agreement or to whom this Agreement has been transferred as per the terms and conditions of this Agreement. This Agreement is between Us and You.

This Agreement represents the complete agreement between Us and You and supersedes any prior proposals or understandings, implied, orally stated, written or otherwise. This agreement is not available in Oklahoma.

I. Coverage
We agree to repair or replace, at Our sole option, appliances and systems that are covered as indicated in the Program Summary subject to the terms and conditions of this Agreement. Parts and labor costs are covered. You will be responsible for a sixty ($60.00) service fee (“Service Fee”) per service technician visit depending on your location. If You fail to pay a Service Fee We are under no obligation to provide additional service or coverage and this Agreement is subject to cancellation. Any appliance or system not listed in the Program Summary is excluded from coverage.

We will provide service on covered appliances and systems:

1. that are located inside the perimeter of the main foundation or the attached garage of the covered home (with the exception of the “pool/spa”, “central air conditioning/cooling system” and “central heating system” if covered); and
2. become inoperative during the term of this Agreement due to manufacturer’s defects in materials and workmanship, or routine wear and tear; and
3. are in place, correctly installed and in proper working order on the date of the purchase of this Agreement and throughout the term of this Agreement.

Coverage is limited to those appliances and systems of a residential grade utilized for residential purposes and located within homes occupied as a primary residence that do not exceed 4,000 square feet. Appliances and systems located within homes in which a business is operated are excluded from coverage. Coverage is not available for appliances that exceed fifteen (15) years from the date of manufacture to the date of service. Covered appliances (with the exception of clothes washer, clothes dryer and ceiling fan) must be located inside the kitchen; additional coverage may be purchased for those appliances located in rooms other than the kitchen.

II. Coverage Period

Coverage will begin on the thirty-first (31st) day after the date of purchase as indicated in the Program Summary and will continue for 365 days from that date and will then automatically renew for an additional one year term, unless You notify us in writing thirty days (30) in advance that You do not wish to renew this Agreement. There is no coverage and no claims will be accepted up to and including thirty (30) days from the date of purchase of this Agreement. Payment of the applicable Agreement Price is due to Us on either a monthly, quarterly or annual basis as indicated on the Program Summary and Your first Agreement Price payment is due to Us at the time of purchase of this Agreement. The subsequent Agreement Price payments will be charged to Your credit card. The applicable Agreement Price must be received by Us for Your coverage to be effective. If You fail to pay a Service Fee or an Agreement Price We are under no obligation to provide service or coverage and this Agreement is subject to cancellation.

III. To Request Service/Submit a Claim:

Contact Us at 1-866-478-0686 24 hours a day, seven days a week, 364 days a year. You must notify Us of a claim as soon as a problem is discovered. Notice of any appliance or system malfunction must be made to Us prior to the expiration of this Agreement.

Upon request for service Our administrator will contact an authorized service technician to arrange service within 48 business hours after your request for service is made under normal circumstances and within 24 hours for emergency repair service (the loss of heating or cooling that threatens life or health or makes a dwelling uninhabitable). The service technician will contact You to schedule a mutually convenient appointment during the technician’s normal business hours. Our administrator has the sole and absolute right to select the service technician to perform service. If You request non-emergency service outside of normal business hours, You will be responsible for payment of additional fees, including overtime. This Agreement will not provide coverage for services performed by an unauthorized service technician. You will be responsible for the Service Fee per service technician visit. You must pay the Service Fee directly to the service technician. The Service Fee applies to each service technician visit, including but not limited to those claims that are covered, excluded or denied.

We may elect to replace a covered appliance or system, or a component thereof, rather than repair it. We have the sole and absolute right to determine whether to replace rather than repair appliances or systems or a component thereof. We reserve the right to repair appliances and systems with non-original manufacturer’s parts, including rebuilt or refurbished parts. Should We choose to replace an appliance or system, the replacement will be of like kind and quality comparable in features, capacity and efficiency, but possibly not matching dimensions, color or brand. We will not pay costs related to disposal (“haul away”) of appliances and systems, construction, carpentry, or other modifications made necessary by existing or installing different equipment or made necessary by the repair or replacement. We are not responsible for upgrades, components, parts or equipment required due to the incompatibility of the existing equipment with the replacement appliance or a system or component, or part thereof or with new type of chemical or material utilized to run replacement equipment including, but not limited to, differences in technology, refrigerant requirements, or efficiency as mandated by federal, state or local governments.

At the time work begins and at appropriate time(s) thereafter, certain repairs and replacements may require You to allow a state or local building inspector access to Your home Failure to pay any required permit fee or to allow access to Your home by the building inspector, will result in suspension of Your coverage (for that specific repair or replacement) until such time as the permit fee is paid or access is granted (as applicable). At that time, coverage will be reinstated; however, the Agreement term will not be extended.

While Our administrator will try to arrange to have service completed as quickly as possible, We are not responsible for delays caused by factors beyond our control, including but not limited to, manufacturers’ delays, parts availability, shipping of parts and products, or Acts of God.

IV. Product Specific Coverage - Coverage is only for those items listed in this section and chosen as covered as indicated in the Program Summary; No other item is covered

1. Stove/oven/cooktops; refrigerator/freezer (ice maker excluded); refrigerator/freezer with ice maker; dishwasher; clothes washer; clothes dryer; garbage disposal; built-in-microwave; kitchen exhaust fan; ceiling fan
   
   Covered: Components and parts affecting the proper mechanical operation as intended by the manufacturer including: motors, compressors, heating or cooling elements, coils, fuses, bearings, switches, gears, belts, chains and all sensors.
   
   Excluded: venting, lint screens, knobs and dials, door seals, linings or coatings, racks, baskets or shelves, timers or clocks, turntables, soap dispensers, hinges, springs, rotisserie motors, light bulbs, handles, glass or transparent plastic, cosmetic or surface damage. Damage caused when moving or transporting the appliance. All damage or loss associated with appliance failure including food spoilage, water damage, fire or smoke damage or any type of staining and haul away or removal of any appliance.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement with the exception of the garbage disposal which has a $500 per claim/$3,000 aggregate per year limit per Agreement)
2. Central Air Conditioning/Cooling System
   
   Covered: Components and parts affecting the proper mechanical operation of a centrally ducted air conditioning system and/or evaporative (swamp) cooler unit as intended by the manufacturer, as follows: air handler, blower fan motors, capacitors, compressors, condenser fan motors, condenser coils, condensers, evaporator coils, fan blades, freon gas lines interior to the unit, internal system controls, internal wiring, motors (excludes dampers), refrigerant (excludes reclamation), refrigerant filter dryer, refrigerant piping (excludes inter-connecting line sets and geo-thermal piping), relays, reversing valves, switches and controls and thermostats (electronic set back units will be replaced only with standard units). One system will be covered with a maximum of five (5) ton capacity and designed for residential application.
   
   Excluded: ductwork, drain pans, pumps, lines, filters (including electronic/electrostatic and de-ionizing filter systems), heat recovery unit, interconnecting Freon lines (external of the equipment), panels and/or cabinetry, concrete encased or inaccessible ductwork, asbestos insulated ductwork or piping, recapture/reclaim of refrigerant, structural components, geothermal piping, water pumps and lines (external of the unit), wall units, window units, and water cooling towers. Gas systems, including ammonia systems and chilled water systems are not covered.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement
3. Central Heating System
   
   Covered: Components and parts affecting the proper mechanical operation of a centrally ducted heating system as intended by the manufacturer, as follows: blower fan motors, burners, controls, fan blades, heat/cool thermostats (electronic set back units will be replaced only with standard units), heat exchangers, heating elements, ignitor and pilot assemblies, internal system controls, wiring and relays, motors (except dampers), and switches.
   
   Excluded: ductwork, wood stoves, pellet stoves, chimneys, flues, and liners; cleaning and re-lighting of burners; concrete encased or inaccessible ductwork; asbestos insulated ductwork or piping; concrete encased steam or radiant heating coils or lines; electric baseboard heat; filters (including electronic/electrostatic and de-ionizing filter systems), fireplaces; free-standing or portable heating units; fuel storage tanks; lines and filters; gas log systems, including gas feed lines; humidifiers; individual space heaters; maintenance and cleaning; panels and/or cabinetry; radiant heating systems built into walls floors or ceilings; pressure regulators; registers/grills; solar heating devices and components; and structural components.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement
4. Water Heater
   
   Covered: Components and parts affecting the proper mechanical operation of one (1) twenty (20) to fifty (50) gallon gas or electric water heater as intended by the manufacturer, including circulatory pumps and domestic hot-water coils attached to boilers, but excluding solar and heat recovery units.
   
   Excluded: instant hot water heater, sediment or mineral deposits; annual maintenance or cleaning; solar heating systems of any kind; all external holding tanks for hot water; timers or energy saving devices; plumbing insulation or tank blankets; noise or sounds caused by water movement; moving debris or storage items to gain access to water heater; haul away or removal of a failed water heater, color or purity of water.
   
   Limit of Liability: $500 per claim/$3,000 aggregate per year per Agreement
5. Electrical
   
   Covered: Components and parts necessary for the normal operation of the electrical systems as originally designed and correctly installed for the home of record, including: all wiring and inline power protection devices required to energize or control the system(s), built-in outlets and power receptacles, built-in light fixtures, fuse box enclosures, all conduit and wiring located inside the house.
   
   Excluded: all cosmetic or surface damages, any repair issues originating at time of installation, alarm systems, solar power systems, backup or alternate power systems such as batteries or gas powered generators. Consequential damages incurred due to power failures, surge or loads greater than the system design. Any fire or smoke damage, light bulbs, outlet covers and faceplates, all wiring and electrical components located on the outside of the home of record.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement
6. Plumbing
   
   Covered: Components and parts necessary for the normal operation of water supply and sewage removal systems originally designed and correctly installed for the home of record including the following components: pipes, traps, risers, vents, valves, rubber or wax seals, water tanks or reservoirs under ten (10) gallons, sinks and bowls, and level indicators.
   
   Excluded: all items not specifically listed in the Covered section; plumbing blockages, all fixtures, faucets shower heads, shower arms, tub or shower enclosures or stalls/pans, toilet lids or seats, sewage ejector pumps, pressure regulators; all damage to pipes or fixtures caused by faulty installation, freezing, house settling, tree or plant roots; damage to plumbing systems caused by any chemical or mineral deposits; all cosmetic aspects and items, such as, but not limited to, caulking, grouting, or external coatings of any component; any aspect or component of septic systems; water softeners, purifiers, screens or filters; all plumbing located outside the home, including, but not limited to, hose bibs, valves, pressure regulation or back flow components and all underground plumbing; all sprinkler, mist and drip systems; water hammer or plumbing noise; any aspect or component of a fire suppression system; and all custom stone or tile stalls, tubs, sinks or fixtures.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement
7. Pool/Spa
   
   Covered: Both pool and spa are covered if they utilize common equipment. If they do not utilize common equipment, then only one unit is covered and You must identify such unit at the time of purchase and it must be identified as “pool unit only” or “spa unit only” in the Program Summary. You have the option of purchasing additional coverage for the other unit. Components and parts affecting the proper mechanical operation of a pool or spa water supply, filtering, draining or water removal system, electric or natural gas heating and water circulation or regeneration pumping system as intended by the manufacturer. This coverage applies to above ground, accessible working components and parts of the heating, pumping and filtration system.
   
   Excluded: portable or above-ground pools; automatic feeders and chemicals; chlorinators; “creepy crawlers” and similar cleaning units; electrical lines; filter elements or multi-media (i.e. cartridges, grids and sand); heaters; lighting; pop up heads and turbo valves; secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment; skimmers; solar heaters and related components; structure, liner or shell of the pool; timer systems and underground and/or concrete encased plumbing.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement
8. Well Pump
   
   Covered: Components and parts necessary for the normal operation of a well pump utilized for the home of record.
   
   Excluded: holding or storage tanks; digging; locating pump; pump retrieval; re-drilling of wells; well casings; pressure tanks; pressure switches and gauges; check valve; relief valve; drop pipe; piping or electrical lines leading to or connecting pressure tanks and home of record, including wiring from control box to the pump; booster pumps; well pump and well pump components for geothermal and/or water source heat pumps.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement
9. Garage Door Opener
   
   Covered: Components and parts necessary for the normal operation of a residential garage door opener, including, motors, gears, drive screw, chain or cable, push arm and carriage, bearings, switches and sensors.
   
   Excluded: garage doors, hinges, springs, door track, remote transmitters, light bulbs, handles, glass or transparent plastics; batteries or back-up power systems; all damage or loss associated with a failure of a garage door opener; haul away or disposal of any garage door component.
   
   Limit of Liability: $1,000 per claim/$3,000 aggregate per year per Agreement

V. Your Responsibilities

You must follow the instructions for use of the appliances and systems as set forth in the owner’s manual. You must have Your appliance or system maintained in accordance with the manufacturer’s recommendations as set forth in the owner’s manual. Failure to follow the manufacturer’s maintenance and service recommendations may result in the denial of coverage under this Agreement. You are responsible for any and all costs associated with non-covered failures.

VI. Limits of Liability

Our limit of liability for each product or system covered under this Agreement is as listed in the Product Specific Coverage section. If We decide to replace a product or system or a component thereof, the replacement product or system will be of like kind and quality comparable in features, capacity and efficiency, but possibly not matching dimensions, color or brand. If We replace a component thereof, We reserve the right to utilize non-original manufacturer’s parts, including rebuilt or refurbished parts. We will not pay costs related to disposal (“haul away”) of appliances and systems, construction, carpentry, or other modifications made necessary by existing or installing different equipment nor will we pay any cost or fee associated with the recycling of such equipment. We are not responsible for upgrades, components, parts or equipment required due to the incompatibility of the existing equipment with the replacement appliance or a system or component, or part thereof or with new type of chemical or material utilized to run replacement equipment including, but not limited to, differences in technology, refrigerant requirements, or efficiency as mandated by federal, state or local governments.

VII. Exclusions – What Is Not Covered

1. normal or routine maintenance, cleaning, tune-ups or costs related to any service request which results in customer education or “no problem found” diagnoses;
2. repair, replacement or modification arising from a manufacturer’s recall;
3. negligence or other conduct of the service technician;
4. consequential, incidental, indirect, secondary or punitive damages;
5. conditions which existed prior to the purchase of this Agreement;
6. consumable items, such as but not limited to, bulbs, batteries, filters, gaskets, fluids, external hoses, accessories, attachments or any other parts or materials which are designed to be consumed during the life of the appliance or system;
7. damage or costs resulting from unauthorized repairs or repair personnel;
8. failures due to general environmental conditions, including but not limited to, animal or insect damage, corrosion, dust, mold, rust, fire, water, windstorm, sand, dirt, hail, earthquake or similar Acts of God;
9. improper gas or water connections or electrical wiring and connections, improper installation or set-up, user facilitated minor adjustments and settings outlined in the owner’s manual, communication connectivity problems, inaccessible appliances or systems or parts;
10. loss or damage caused by accidental or intentional physical damage or by spilled liquids, negligence, misuse or abuse;
11. personal items left in the appliance or system;
12. appliances or systems in storage, not listed in the Program Summary as covered, or used for commercial purposes;
13. appliances or systems covered by any other warranty, service agreement insurance policy in effect at the time of the failure;
14. loss of use;
15. theft or loss.

VIII. Renewal

This Agreement will automatically renew for one year periods unless You provide Us with thirty (30) days advance written notice of Your intent to not renew or we decide not to allow the renewal. We have the option of revising the Agreement Price for the renewal and must notify You, with at least sixty (60) days advance written notice of the revised Agreement Price. Please call 1-866-478-0686 for questions about the rate and terms of the renewal.

IX. Transfer

This Agreement may be transferred to another individual to whom you sell the home that is covered by this Agreement while this Agreement is still in effect. For more information, please call 1-866-478-0686 or send Your request in writing within fifteen (15) days of transfer to the Administrator listed below. Include Your name and Agreement number and the name and phone number of the new owner.

X. Cancellation

You may cancel this Agreement for any reason at any time and the cancellation will become effective at the last day of the then current month. Your coverage will remain in effect up to and including the last day of the then current month; Coverage will not be available beginning the first day of the subsequent month. To cancel, submit Your request in writing to the Administrator at the address listed below. If You cancel within thirty (30) days of receipt of this Agreement, You will receive a full refund. If You cancel after thirty (30) days, You will be charged a cancellation fee equal to one month’s Agreement Price not to exceed twenty-five dollars ($25.00). We may cancel this Agreement in the event of nonpayment of the monthly Agreement Price, Service Fees, fraud or material misrepresentation of facts material to the issuance of this Agreement.

XI. Insurance Securing the Obligations of this Agreement

This Agreement is not an insurance policy. If You reside in any of the following states: AL, AK, AZ, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NM, ND, OH, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI or WY, this Agreement is secured by a contractual liability or reimbursement insurance policy provided by Illinois National Insurance Company, 80 Pine Street, 13th Floor, New York, NY 10005 and telephone number (800) 250-3819. If You reside in any of the following states: AR, CA, MS, NY, NC or VA, this Agreement is secured by a contractual liability or reimbursement insurance policy provided by New Hampshire Insurance Company, 80 Pine Street, 13th Floor, New York, NY 10005 and telephone number (800) 250-3819. If We fail to pay or provide service on a claim within 60 (sixty) days after proof of loss has been filed, or in the event We are no longer a going concern, You are entitled to make a written claim directly against the Insurer. Please enclose a copy of Your Agreement when sending correspondence to the Insurer.

XII. State Variations

The following state variations shall control if inconsistent with any other terms and conditions.

Alabama Residents: You may cancel this Agreement within twenty (20) days of the receipt of this Agreement. If no claim has been made under the Agreement, the Agreement is void and we shall refund to you the full purchase price of the Agreement including any premium paid for the applicable insurance policy. Any refund due to you will be credited to any outstanding balance of your account, and the excess, if any, shall be refunded to you. A ten (10) percent penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after you cancel the Agreement. If you cancel this Agreement after twenty (20) days of receipt of this Agreement, we shall refund to you the unearned portion of the full purchase price of the Agreement including the unearned portion of any premium paid for any applicable insurance policy. Any refund due to you will be credited to any outstanding balance of your account, and the excess, if any shall be refunded to you.

Arizona Residents: 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 Agreement. The pre-existing condition exclusion does not apply to conditions occurring prior to the sale of the consumer product by the Obligor, its assignees, subcontractors and/or representatives.

California Residents: For all products other than home appliances and home electronic products, the Cancellation provision is amended as follows: If the Agreement is cancelled: (a) within sixty (60) days of the receipt of this Agreement, you shall receive a full refund of the price paid for the Agreement provided no service has been performed, or (b) after sixty (60) days, you will receive a pro rata refund, less the cost of any service received.

Connecticut Residents: The expiration date of this Agreement shall automatically be extended by the duration that the product is in our custody while being repaired. In the event of a dispute with the Administrator, you may contact The State of Connecticut, Insurance Department, PO Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase price of the product, the cost of repair of the product and a copy of the Agreement.

Florida Residents: The Agreement shall be cancelled by us for fraud or material misrepresentation, including but not limited to commercial or rental use. Unauthorized repair or replacement of covered equipment shall result in the cancellation of the Agreement by us. In the event of cancellation by us, written notice of cancellation shall be mailed to you not less than sixty (60) days before cancellation is effective. This Agreement can be cancelled by you at any time for any reason by emailing, mailing or delivering to us notice of cancellation. If the Agreement is cancelled: (a) within thirty (30) days of the receipt of the Agreement, you shall receive a full refund of the price paid for the Agreement provided no service has been performed, or (b) after thirty (30) days, you will receive a refund based on 100% of unearned pro rata premium less any claims that have been paid or less the cost of repairs made by us. If we cancel the Agreement, the return premium is based upon 100% of the unearned pro rata premium. If we determine in our sole discretion that your product cannot be repaired or your product provides for replacement instead of repair, we will replace your product with a product of like kind and quality that is of comparable performance or reimburse you for replacement of the product with a check, at our discretion, equal to the current market value of the product, as determined by us, not to exceed the original purchase price including all applicable taxes.

Georgia Residents: This Agreement shall be non-cancelable by us except for fraud, material misrepresentation, or failure to pay consideration due therefore. The cancellation shall be in writing and shall conform to the requirements of Code 33-24-44. You may cancel at any time upon demand and surrender of the Agreement and we shall refund the excess of the consideration paid for the Agreement above the customary short rate for the expired term of the Agreement. This Agreement excludes coverage for incidental and consequential damages and pre-existing conditions only to the extent such damages or conditions are known to you or reasonably should have been known to you.

Illinois Residents: This Agreement is secured by an insurance policy provided by Illinois National Insurance Company, 80 Pine St, 13th Floor, New York, NY 10005 and telephone number (800) 250-3819. You may cancel this Agreement: a) within thirty (30) days after its purchase if no service has been provided and a full refund of the Agreement price will be refunded to You; or b) at any other time and a pro rata refund of the Agreement price for the unexpired term of the Agreement, based on the number of elapsed months less the value of any service received will be refunded to You.

Nevada Residents: You are entitled to a “Free Look” period for this Agreement. If you decide to cancel this Agreement within thirty (30) days of purchase, you are entitled to a one hundred percent (100%) refund of any fees paid. If you cancel this Agreement after thirty (30) days from purchase, you will receive a pro rata refund based on the days remaining, less a cancellation fee of twenty-five dollars ($25.00) or ten percent (10%) of the Agreement fee, whichever is less. If we fail to pay the cancellation refund within 45 days of your written request we will pay you a penalty of ten percent (10%) of the purchase price for each thirty (30) day period or portion thereof that the refund and any accrued penalties remain unpaid. If this Agreement is canceled by Us, no cancellation may become effective until at least 15 days after the notice of cancellation is mailed to you. We can cancel this Agreement due to unauthorized repairs which result in a material change in the nature or extent of the risk, occurring after the first effective date of the current Agreement, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the Agreement was issued or last renewed. If we cancel this Agreement no cancellation fee will be imposed and no deduction for claims paid will be applied. If your covered failure results in a loss of heating, cooling, or electrical power to your air conditioner or refrigerator/freezer, repairs on your covered product will commence within 24 hours after you report your claim. If these repairs cannot be completed within three (3) calendar days, we will send you a report indicating the status of these repairs.

New Mexico Residents: If this Agreement has been in force for a period of seventy (70) days, we may not cancel before the expiration of the Agreement term or one (1) year, whichever occurs first, unless: (1) you fail to pay any amount due; (2) you are convicted of a crime which results in an increase in the service required under the Agreement; (3) you engage in fraud or material misrepresentation in obtaining this Agreement; (4) you commit any act, omission, or violation of any terms of this Agreement after the effective date of this Agreement which substantially and materially increase the service required under this Agreement; or (5) any material change in the nature or extent of the required service or repair occurs after the effective date of this Agreement and causes the required service or repair to be substantially and materially increased beyond that contemplated at the time you purchased this Agreement.

North Carolina Residents: The purchase of this Agreement is not required either to purchase or to obtain financing for a home appliance.

Oklahoma Residents: THIS AGREEMENT IS NOT ISSUED BY THE MANUFACTURER OR WHOLESALE COMPANY MARKETING THE PRODUCT COVERED BY THIS AGREEMENT. THIS AGREEMENT WILL NOT BE HONORED BY SUCH MANUFACTURER OR WHOLESALE COMPANY. IF EITHER YOU OR WE CANCEL THIS AGREEMENT, THE RETURN OF THE AGREEMENT PRICE WILL BE BASED UPON ONE HUNDRED PERCENT (100%) OF THE UNEARNED PRO RATA PRICE OF THE AGREEMENT, LESS THE COST OF ANY SERVICE RECEIVED. IN THE EVENT THE CONTRACT IS CANCELED BY THE WARRANTY HOLDER, RETURN OF PREMIUM SHALL BE BASED UPON NINETY PERCENT (90%) OF THE UNEARNED PRO RATA PREMIUM. IN THE EVENT THE CONTRACT IS CANCELED BY THE ASSOCIATION, RETURN OF PREMIUM SHALL BE BASED UPON ONE HUNDRED PERCENT (100%) OF UNEARNED PRO RATA PREMIUM.

South Carolina Residents: To prevent any further damage, please refer to the owner’s manual. In the event the service Agreement provider does not provide covered service within (60) days of proof of loss by the Agreement holder, the Agreement holder is entitled to apply directly to the Insurance Company. If the Insurance Company does not resolve such matters within sixty (60) days of proof of loss, they may contact the SC Department of Insurance, P.O. Box 100105, Columbia, SC 29202-3105, (800) 768-3467.

Texas Residents: If you purchased this Agreement in Texas, unresolved complaints concerning a provider or questions concerning the registration of a service Agreement provider may be addressed to the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711, telephone number (800) 803-9202. You may apply for reimbursement directly to the insurer if a refund or credit is not paid before the forty-sixth (46th) day after the date on which the Agreement is returned to the provider.

Utah Residents: NOTICE. This Agreement is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this Agreement is not guaranteed by the Utah Property and Casualty Guarantee Association. This Agreement may be cancelled due to unauthorized repair which results in a material change in the nature or extent of the risk, occurring after the first effective date of the current policy, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the policy was issued or last renewed. Failure to notify within the prescribed time will not invalidate the claim if you can show that notification was not reasonably possible. If we cancel this Agreement due to fraud or material misrepresentation, you will be notified 30 days prior to the Agreement cancellation. If we cancel this Agreement due to non-payment, you will be notified 10 days prior to the Agreement cancellation.

Washington Residents: You may apply directly to the insurance company.

Wisconsin Residents: THIS AGREEMENT IS SUBJECT TO LIMITED REGULATION BY THE WISCONSIN OFFICE OF THE COMMISSIONER OF INSURANCE. This Agreement shall not be cancelled due to unauthorized repair of the covered equipment, unless we are prejudiced by your failure to obtain such authorization. We will not exclude unauthorized repair of the covered equipment, unless we are prejudiced by your failure to obtain such authorization. Failure by you to give notice or proof within a reasonable time will not invalidate or reduce your claim unless we are prejudiced by the failure to give notice. If this Agreement is canceled within 30 days, no deduction shall be made from the refund for the cost of any service received. This Agreement is backed by a contractual liability policy with limits of liability of $5,000 per claim and $25,000 in aggregate per Agreement.

Wyoming Residents: This Agreement will be considered void and we will refund you the full purchase price of the Agreement or credit your account if you have not made a claim under this Agreement and you have returned the Agreement to us a) within 20 days after the date we have mailed the Agreement to you, b) within 10 days after you have received the Agreement if the Agreement was furnished to you at the time the Agreement was purchased, or c) within a longer time period if specified in the Agreement. 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 Agreement to us. The right to void the Agreement provided in this subsection applies only to the original Agreement purchaser and is not transferable. If we cancel this Agreement for reasons other than nonpayment, a material misrepresentation made by you to us or because of a substantial breach of duties by you relating to the product or its use, we will mail a written notice to you at least ten (10) days prior to cancellation. The notice of cancellation shall state the effective date of cancellation and the reason for cancellation.