Service Contract Comprehensive Coverage

• Replacement Plan
• Repair Plan

Thank You for Your recent purchase of the GearGuard coverage (the "Service Contract", "Contract"). We hope You enjoy the added peace of mind and protection this Contract provides. This document along with the receipt document (paper or e-mail) provided to You as proof of Your product and Contract purchase, that confirms the Plan selected by You, any additional benefits, and the coverage Term (the "Purchase Receipt"), constitutes the entire Service Contract between Us and You. Please keep this document along with your original Purchase Receipt, as You will need them to verify Your coverage at the time of Claim.

Throughout this Service Contract, the words "We", "Us" and "Our" means the party obligated to provide service under this Service Contract as the service contract provider, who is Starr Protection Solutions, LLC ("SPS"), except in Florida, Oklahoma and Washington. In Oklahoma and Washington, the obligor is Starr Underwriting Agency, Inc. (Oklahoma License # 44200902) ("SUA"). SPS and SUA are located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. In Florida, the obligor is Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390].The words "You" and "Your" refer to the purchaser of the product covered by this Service Contract or to the person to whom this Service Contract was properly transferred. "Failure" refers to an operational or mechanical breakdown to Your covered product that occurs during normal use. This Service Contract is administered by White River Financial Services, L.L.C., [2500 East Kearney Street], Springfield, MO [65898], [1-877-920-4400] ("Administrator"). Please contact the Administrator if You have any questions about this Service Contract.

1. COVERAGE PLANS:
   1. REPLACEMENT PLAN:
      1. WHAT IS COVERED. At Our determination, when Your covered product experiences a Failure, damage resulting from Power Surge and Spike, or Accidental Damage from Handling (ADH) if applicable to Your covered product, You will receive reimbursement for replacement of Your product in the form of a gift card equal to the original purchase price paid by You for Your covered product; excluding any sales tax.
      2. TERM OF COVERAGE. The term for a Replacement Plan will begin upon date of purchase of this Service Contract, as shown on Your Purchase Receipt. Coverage for damages to Your covered product resulting from defined Power Surge and Spike, or other non-Failure covered claims applicable to Your covered product, begins on Your Contract purchase date and continues for the term shown on Your Purchase Receipt. Coverage under a Replacement Plan for a defined Failure ONLY will begin after a SIXTY (60) DAY WAITING PERIOD, from day 61 through the end of the term specified on Your Purchase Receipt. For any product replacement requests during the first 60 days, please contact the retailer from whom You purchased this Service Contract.
      3. LIMIT OF LIABILITY. The maximum liability owed to You under the Replacement Plan will not exceed the original purchase price paid by You for Your covered product; excluding any sales tax. Replacement of Your product will have satisfied all obligations owed to You and coverage will then no longer be available under this Service Contract. The Replacement Plan does not cover trip, labor, or shipping charges.
   2. REPAIR PLAN:
      1. WHAT IS COVERED. At Our determination, We will furnish labor, parts, and/or replacement components (or pay for same) necessary to repair Your covered product when it experiences a Failure, damage resulting from Power Surge and Spike, or Accidental Damage from Handling (ADH) if applicable to Your covered product. The covered product under this Service Contract only includes the product as it was originally configured and paid for under this Service Contract, and coverage includes only the parts that are necessary to the functionality of the covered product.
      2. TERM OF COVERAGE. The term for a Repair Plan will begin upon date of purchase of this Service Contract, as shown on Your Purchase Receipt. Coverage for damages to Your covered product resulting from defined Power Surge and Spike, or other non-Failure covered claims applicable to Your covered product, begins on Your Contract purchase date and continues for the Term shown on Your Purchase Receipt. Coverage for a defined Failure under a Repair Plan will begin after the expiration of the covered product's original manufacturer's warranty, and will extend through the end of the term specified on Your Purchase Receipt.
      3. LIMIT OF LIABILITY. The maximum liability owed to You under the Repair Plan will not exceed the original purchase price paid by You for Your covered product; excluding any sales tax. We, at Our sole discretion, will determine if (a) replacement of Your product with a product with equivalent specifications, (b) reimbursement for the current market value of the product with equivalent specifications, or (c) reimbursement for the retail value of the product as of the product purchase date, less claims made, minus sales tax, will be made in lieu of service repairs. Replacement of Your product will have satisfied all obligations owed to You and coverage will then no longer be available under this Service Contract.
2. ADDITIONAL BENEFITS UNDER THIS SERVICE CONTRACT:
   1. POWER SURGE AND SPIKE: In addition to coverage for a defined Failure, this Service Contract protects against damage to a covered product if such damage occurs while connected to a surge protector approved by the Underwriter's Laboratory Inc. (UL). Your surge protector may be collected by the Administrator for examination.
   2. ACCIDENTAL DAMAGE FROM HANDLING (ADH): This provides coverage for the damage to Your product resulting from accidental damage from handling, such as unintentional dropping of the product, or in association with screen breakage or liquid spillage. In order to validate an ADH claim, You will be required to provide an explanation of where, when and how the accident occurred, as well as a detailed description of the actual event. Failure to provide this information may result in claim denial. ANY RESULTANT INCIDENTAL OR CONSEQUENTIAL DAMAGE ARISING FROM AN ADH CLAIM IS NOT COVERED BY THIS SERVICE CONTRACT.
   3. NO LEMON GUARANTEE: During the term of this Service Contract, when three (3) service repairs, with three (3) separate claim numbers, have been completed on the same component, and that same component requires a fourth (4th) repair, as determined by Us, Your product will be replaced according to the terms in the Limit of Liability section. This does not include repairs necessary during the manufacturer's warranty period or previous service contract terms.
3. TO OBTAIN AUTHORIZATION FOR REPAIR OR REPLACEMENT:
   Important Notice: In order for a Claim to be considered for coverage under the provisions of this Contract, You have to contact the Administrator first. Contact is available 24/7. 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 Contract.
   1. You must obtain prior authorization by submitting a claim at www.mygearguard.com or by calling the Administrator at [1-877-920-4400].
   2. You must have Your original covered product and Purchase Receipt available to submit a claim.
   3. You will be required to answer a series of questions regarding the product's damage or Failure in order to obtain authorization.
   4. Once authorization is obtained:
      1. For Replacement Plans: You will be required to return the product using a prepaid shipping label provided by the Administrator. At Our determination, You will receive reimbursement in the form of a gift card up to the original purchase price paid by You for Your covered product; excluding any sales tax. At Your request, non-covered products will be returned to You at Your cost.
      2. For Repair Plans: We will arrange for service and We will cover the reasonable parts and labor costs that We authorize. Repair service will be performed during the hours of [8:00 a.m. to 5:00 p.m.] local time Monday through Friday, excluding holidays. Repair service will be provided, at Our sole discretion, either through an authorized carry-in repair facility, an in-home repair service visit, or mail-in to Our depot repair facility. If carry-in service is required, You will be required to transport Your product to an authorized repair facility. If mail-in depot repair service is required, We will cover the cost of shipping Your product to and from the depot repair facility.
4. SERVICE CONTRACT HOLDER'S RESPONSIBILITY: It is the responsibility of the Service Contract holder to follow the manufacturer's specifications for the use and care/maintenance of the covered product. You are responsible for creating back-ups of all Your data and software on a regular basis. You may be asked to provide Your Purchase Receipt as a condition for receiving service under this Service Contract. Your original Purchase Receipt should be kept with this Service Contract in a safe place.
5. RENEWABILITY & TRANSFERABILITY: If You wish to transfer or renew coverage under this Service Contract, please contact the Administrator toll free [1-877-920-4400], prior to the expiration of Your current term. Information provided by you must include the Service Contract number, proof of purchase, new owner's name, complete address, and telephone number. Renewability and/or Transferability is determined at Our sole discretion and may not be available. Neither You, the retailer, nor We are obligated to renew this Service Contract beyond its original term.
6. PARTS: We may, at Our option and discretion, repair, replace or exchange Your covered product with an equivalent product of equal kind and quality, that is new or refurbished. Non-original manufacturers' parts may be used if original equipment manufacturer parts are unavailable. Repair services may also be performed by subcontractors authorized by Us, but We shall not be relieved of Our obligations to You when doing so.
7. IMPORTANT NOTE: Repairs recommended by a repair facility that are not necessitated by a Failure are not covered, unless specifically authorized by the Administrator. We reserve the right to inspect the items to be covered, or the items covered, as the case may be, prior to coverage or during the term of this Service Contract. Model number, serial number and original date of purchase of all products to be covered must be provided to execute authorization for service. If You request a service call for a non-covered repair, You will be responsible for all costs associated with the repair. In the event You are unable to meet the servicer, You must call to cancel the appointment in advance of the agreed upon time of service. If the product is found to be performing to the manufacturer's specifications, it will be returned to You.
8. DEDUCTIBLE: No deductible applies to this Service Contract.
9. LIMITATIONS OF COVERAGE – THIS SERVICE CONTRACT DOES NOT COVER:
   1. Any covered product located outside the contiguous United States, Hawaii or Alaska.
   2. Pre-Existing conditions incurred prior to the effective date of coverage and known to You (PreExisting means a condition in existence prior to the issuance of this Service Contract that within all reasonable functional, mechanical, or electrical probability relates to the overall fitness of Your covered product).
   3. Service required as a result of any unauthorized alteration of the covered product; repairs made by anyone other than a service provider authorized by the Administrator.
   4. Damage or other failure to the covered product due to causes beyond Our control; including, but not limited to: necessary repairs due to operator negligence; failure to maintain the covered product according to the owner's manual instructions; misuse or abuse; vandalism; theft; mysterious disappearance; viruses; fire; flood; wind; freezing; power failure; short circuits; inadequate power supply; unusual atmospheric conditions; acts of war; or acts of God.
   5. Necessary service due to improper storage, improper ventilation, reconfiguration of covered product, or movement of covered product; including the failure to place the covered product in an area that complies with the manufacturer's published space or environmental requirements.
   6. Any utilization of the covered product that is inconsistent with either its original design or the way the manufacturer originally intended the product to be used; negligence; reckless, abusive, willful or intentional conduct associated with handling or use of the covered product; or the use of supplies with the covered product other than those recommended by the manufacturer.
   7. Any part or accessory which is not necessary to the functionality of the covered product; such as those which are used in conjunction with or to enhance the performance of the covered product.
   8. Periodic checkups or preventative maintenance.
   9. Any coverage that would have otherwise been provided under the manufacturer's warranty, regardless of manufacturer's ability to pay for such repairs, including any and all cases in which the manufacturer of the covered product would not honor any warranty regarding the covered product.
   10. Covered products used commercially or in a commercial setting, rentals.
   11. Cosmetic damage and/or other damage that does not affect the product's functionality; such as, but not limited to: scratches; dents; rust; stains; squeaking or other noises.
   12. Nonfunctional parts; such as, but not limited to: plastics; finishes; knobs; or dials.
   13. Expendable or lost items; such as, but not limited to: ear buds or head phones.
   14. Consumable Items; defined as any part that is considered consumable by the manufacturer and/or any item that is designed to be consumed (wear out) during the life of the covered product; regardless if it is consumer replaceable or not. For covered products that are considered to be consumer electronics, Consumable Items particularly include light bulbs, lamps, filters, and batteries.
   15. In-warranty parts not provided or shipped by the manufacturer; operational or mechanical failure covered by manufacturer's recall or factory bulletins, regardless of manufacturer's ability to pay for such repairs, or whether or not the manufacturer is doing business as an ongoing enterprise.
   16. Consequential damages as a result of malfunctioning of or damage to an operating part of the covered product, or damages as a result of any repairs or replacements under this Service Contract. Damages caused by delays in rendering service or loss of use during the period that the product is at the authorized service center or otherwise awaiting parts are not covered.
   17. Liability or damage to property, or injury, or death to any person arising out of the operation, maintenance or use of the covered product.
   18. Operational or mechanical failure that is not reported within thirty (30) days of failure onset, or prior to the expiration of this Service Contract. Any claim for service or replacement that was not prior authorized by the Administrator.
   19. Products sold without a manufacturer's warranty or sold "as is", or new products with less than thirty (30) days left on the original manufacturer's warranty.
   20. Loss or damage as a result of violation of existing federal, state and municipal codes; including repairs to products not complying with said codes.
   21. Products in which the attached serial plate has been removed, defaced or made illegible.
   22. Any incident in which a "no failure found" (or similar) diagnosis is made by Us or Our representative. Additional shipping charges may need to be paid by You if a second "no failure found" diagnosis is determined based on the same problem.
   23. Transit or delivery damage, damage caused by packing, unpacking, assembly, installation, or removal made by You or Your representative.
   24. De-installation and/or removal of defective equipment and reinstallation of replaced equipment, or adjustments and/or repairs required because of conditions at Your location.
   25. Any food loss due to product failure.
   26. Notwithstanding any provision to the contrary, this Service Agreement excludes any loss, damage, liability, expense, fines, penalties or any other amount directly or indirectly caused by, in connection with, or in any way involving or arising out of any of the following- including any fear or threat thereof, whether actual or perceived: Any infectious disease, virus, bacterium or other microorganism (whether asymptomatic or not); Or Coronavirus (COVID-19) including any mutation or variation thereof; Or Pandemic or Epidemic, as declared as such by the World Health Organization or any Governmental Authority.
10. LIMITATION OF LIABILITY: IN NO EVENT SHALL WE, THE ADMINISTRATOR, THE DEALER/RETAILER, THEIR AGENTS, CONTRACTORS OR LICENSEES BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, PROPERTY DAMAGE, LOST TIME, OR LOST DATA RESULTING FROM THE BREAKDOWN OR FAILURE OF ANY PRODUCT OR FROM DELAYS IN SERVICING OR THE INABILITY TO RENDER SERVICE ON ANY COVERED PRODUCT. EXCLUSION IS MADE OF ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. THERE ARE NO EXPRESS OR IMPLIED WARRANTIES MADE HEREIN.
11. CANCELLATION AND REFUND: Any refund may be credited to any outstanding balance of Your account and the excess, if any, returned to You. NO CANCELLATION FEES APPLY.
    1. You may cancel this Service Contract at any time for any reason. If You cancel this Service Contract within sixty (60) days of the date purchased, You will receive a refund of the full purchase price of this Service Contract, minus any claims paid. If You cancel this Service Contract thereafter, You will be refunded the remaining days of coverage on a pro rata basis, minus any claims paid. If Your refund is not paid or credited within thirty (30) days after Your cancellation request to Us, We will add an extra 10% to Your due refund for every thirty (30) days the refund is not paid by Us.
    2. We may only cancel this Service Contract for the following reasons: non-payment, material misrepresentation by You; or a substantial breach of duties under this Service Contract by You in relation to the covered product or its use. If We cancel this Contract, We will provide written notice to You at least thirty (30) days prior to the effective date of cancellation. Such notice will be sent to Your current address in Our file (email or physical address as applicable), with the reason for and effective date of such cancellation. If We cancel this Contract, the You will receive a refund based upon the same criteria as outlined above.
12. RIGHT TO RECOVER FROM OTHERS: If We make any payment under this Service Contract and You have a right to recover against another party, Your rights shall become Our rights. You shall do whatever is reasonably necessary to enable Us to enforce these rights. We shall recover only the excess after You are fully compensated for Your loss.
13. DISPUTE RESOLUTION: Most disputes or disagreements between You and Us arising under this Service Contract can be resolved quickly by contacting the Administrator in writing at the address noted. The parties will attempt to resolve any dispute arising out of or related to these program terms through good faith negotiation. The following clause applies to the maximum extent permitted by the applicable law. In the unlikely event We are unable to resolve a dispute We have with You after attempting to do so informally, You and We agree to resolve such disputes through final and binding arbitration in accordance with the rules of the Judicial Arbitration and Mediation Services "JAMS" in the United States. Each party will bear its own costs in arbitration, provided that We reserve the right, in Our discretion, to pre pay certain fees You may incur in connection with the arbitration subject to refund if You do not prevail. Both parties waive their rights to a jury trial. Unless We and You agree otherwise, any arbitration hearings will take place in the State where You purchased Your product.
14. INSURED AGREEMENT: THIS IS NOT AN INSURANCE POLICY; IT IS A SERVICE CONTRACT. We have obtained an insurance policy to insure Our performance under this Service Contract. Should We fail to pay any Claim or fail to repair or replace the product covered under this Service Contract within sixty (60) days after the Claim has been submitted, or in the event You cancel this Service Contract, and We fail to refund any unearned portion of the Service Contract price, You are entitled to make a direct Claim against the insurer, Starr Protection Solutions, LLC ("SPS"), except in Florida, Oklahoma and Washington. In Oklahoma and Washington, the obligor is Starr Underwriting Agency, Inc. (Oklahoma License # 44200902) ("SUA"). SPS and SUA are located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. In Florida, the obligor is Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390].
15. ENTIRE CONTRACT: This document along with the Purchase Receipt constitutes the entire Service Contract between Us and You. No representation, promise or condition herein shall modify these terms.
16. MANUFACTURER'S WARRANTY: This Service Contract does not replace or change the terms and conditions of the covered product's original manufacturer's warranty.

If You have any questions, require customer service, or wish to report a claim, please visit: mygearguard.com, or contact the Administrator at [2500 East Kearney Street], Springfield, MO [65898], [1-877-920-4400].

SPECIAL STATE DISCLOSURES :

Regulation of service plans may vary widely from state to state. Any provision within this Agreement, which conflicts with the laws of the state where You reside, shall automatically be considered to be modified in conformity with applicable state laws and regulations as set forth below. The following state specific requirements apply if Your Protection Plan was purchased in one of the following states and supersede any other provision within Your Protection Plan terms and conditions to the contrary.

ALABAMA only: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. If You cancel this Protection Plan after the first 20 days, You will receive the unearned portion of the full purchase price of this Protection Plan, less an administrative fee of up to twenty-five dollars ($25.00). To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) per month on a refund that is not paid or credited within forty-five (45) days after return of the Protection Plan to the Obligor. Obligations of the Obligor are backed by the full faith and credit of the Obligor, as well as by a service contract reimbursement policy. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company, who insures the Obligor's obligations under this Protection Plan, at [(855) 438-2390] or 399 Park Ave 3rd Floor, New York, NY 10022. These provisions apply only to the original purchaser of this Protection Plan. In the event the Obligor cancels this Protection Plan, the Obligor 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 Definitions: A "Consumer" means a contract holder, inclusive of a buyer of the Covered Product (other than for re- sale), any person to whom the Covered Product is transferred to during the duration of the Coverage Term, or any person entitled to receive performance on the part of the Obligor under applicable law. "Service Dealer" is any person or entity that performs or arranges to perform services pursuant to a service contract which the Service Dealer issues. "Protection Plan Administrator" means an entity which agrees to provide contract forms; process claims and procure insurance for and on behalf of a Service Dealer in performance of the obligations pursuant to a service contract, but which may not itself perform actual repairs.

All references to the denial of coverage or exclusion from coverage for pre-existing conditions shall not apply in cases where such conditions were known, or should reasonably have been known, by Us or the Seller. All references to denial or exclusion from coverage are applicable only if they happened while the product was owned by you.

Cancellation: If Your written notice of cancellation is received prior to the expiration date, We will provide a pro rata refund after deducting for administrative expenses associated with the cancellation, regardless of prior services rendered against the Plan. No claim incurred or paid shall be deducted from the amount of the refund. The cancellation provision shall not contain both a cancellation fee and a cancellation penalty. The administrative expenses may not exceed $75 dollars or ten percent of the purchase price of the service contract, whichever is less. To arrange for cancellation of this Plan, please contact Your Seller. Starr Protection Solutions, LLC is the Provider and the Obligor for this Protection Plan in Arizona. Dispute Resolution: Both parties must agree to arbitration. Additionally, as an Arizona resident you may follow the process to resolve complaints under the provisions of A.R.S. §§20-1095.09 and 20-461, Unfair Trade Practices, as outlined by the Arizona Department of Insurance and Financial Institutions. You have a right to file a complaint with the Department of Insurance and Financial Institutions against Us by contacting the Department of Insurance and Financial Institutions at 602-364-2499 or difi.az.gov.

CALIFORNIA only: With respect to California contract holders, the Administrator under this Protection Plan is White River Financial Services, L.L.C. The Obligor under this Protection Plan is Starr Protection Solutions LLC. This Protection Plan may be canceled by the contract holder for any reason, including, but not limited to, the Product covered under this contract being sold, lost, stolen or destroyed. If You decide to cancel this Protection Plan, and cancellation notice is received by the Seller within 60 days of the date You received this Protection Plan, and You have made no claims against this Protection Plan, You will be refunded the full Protection Plan price, less any claims; or if this Protection Plan is canceled by written notice after 60 days from the date You received this Protection Plan, You will be refunded a prorated amount of the Protection Plan price, less any claims paid or less an administrative fee of 10% of the Protection Plan price or $25, whichever is less, unless otherwise precluded by law. To arrange for cancellation of this Plan, please contact Your Seller.

COLORADO only: Action under this Protection Plan 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 to this Protection Plan may have a right of civil action under the laws, including obtaining the recourse or penalties specified in such laws.

CONNECTICUT only: The term of this Protection Plan is automatically extended by the length of time in which the Covered Product is in the Obligor's custody for repair under this Protection Plan. In the event of a dispute with the Obligor, You may contact the State of Connecticut Insurance Department: P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase or lease price of the Product, the cost of repair of the Product, and a copy of this Protection Plan. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the service contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company who insures the Obligor's obligations under this Protection Plan, at [(855) 438-2390] or 399 Park Ave, 3rd Floor, New York, NY 10022.

FLORIDA only: The Obligor under this Protection Plan is Starr Indemnity & Liability Company. The Administrator under this Protection Plan is White River Financial Services, L.L.C. If You cancel this Protection Plan, You will receive a refund equal to 90% of the unearned pro rata purchase price of the Protection Plan, less any claims that have been paid or less the cost of repairs made on Your behalf. To arrange for cancellation of this Plan, please contact Your Seller. If We cancel this Protection Plan, You will receive one hundred percent (100%) of the unearned pro rata purchase price of this Protection Plan, less any claims paid or the cost of repairs made on Your behalf. The rates charged for this Protection Plan are not subject to regulation by the Florida Office of Insurance Regulation.

GEORGIA only: You may cancel this Protection Plan at any time by notifying the Seller in writing or by surrendering this Protection Plan to the Seller, whereupon the Seller will refund the unearned pro rata purchase price based on the time remaining on the request for cancellation. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor is also entitled to cancel this Protection Plan at any time based upon fraud, misrepresentation, nonpayment of fees by You, or non-renewal.

All references to the denial of coverage or exclusion from coverage for pre-existing conditions shall not apply in cases where such conditions were known, or should reasonably have been known, by Us or the Seller.

Procedures for cancellation of this Protection Plan will comply with section 33-24-44 of the Georgia code. Administrator may cancel this Protection Plan upon thirty (30) days written notice to You. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim can be submitted to Starr Indemnity & Liability Company who insures the Obligor's obligations under this Protection Plan at [(855) 438-2390] or 399 Park Ave, 3rd Floor, New York, NY 10022.

HAWAII only: You may return this Protection Plan within thirty (30) days of the date this Protection Plan was provided to You or within twenty (20) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to the Seller. These provisions apply only to the original purchaser of this Protection Plan. In the event the Obligor cancels this Protection Plan, We will mail a written notice to You at Your last known address at least 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, a material misrepresentation by You relating to the Covered Product or its use, or a substantial breach of Your duties relating to the Covered Product or its use. Obligations of the Obligor under this Protection Plan are insured under a service contract contractual liability policy issued by Starr Indemnity & Liability Company, 399 Park Ave, 3rd Floor, New York, NY 10022. If You have a question or complaint, You may contact the Insurance Commissioner, Hawaii Insurance Division, PO Box 3614, Honolulu, Hawaii, 96811.

ILLINOIS only: Starr Protection Solutions, LLC, (and not the dealer or manufacturer), is the Obligor under this Protection Plan in the State of Illinois. The Obligor will pay the cost of covered parts and labor necessary to restore the Product (s) to normal operating condition as a result of covered or mechanical component failure due to normal wear and tear. You may cancel this Protection Plan at any time. If You cancel this Protection Plan 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 Protection Plan 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). To arrange for cancellation of this Plan, please contact Your Seller. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the service contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company which insures the Obligor's obligations under this Protection Plan at the following address: 399 Park Avenue, 3rd Floor, New York, NY 10022.

INDIANA only: If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim can be submitted to Starr Indemnity & Liability Company, who insures the Obligor's obligations under this Protection Plan, at 399 Park Avenue, 3rd Floor, New York, NY 10022.

KENTUCKY only: If processing of a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim may be submitted to Starr Indemnity & Liability Company who insures the Obligor's obligations under this Protection Plan at 399 Park Avenue, 3rd Floor, New York, NY 10022.

MISSOURI only: The following provisions apply only to the original purchaser of this Protection Plan, and only if no claim has been made prior to the return of this Protection Plan: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was mailed to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim under this Protection Plan, the Plan is void and the full purchase price will be refunded to You or credited to Your account. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to the Seller. The Deductible (if applicable) is a non-refundable amount You will be assessed, per Claim, prior to receiving covered services under this Protection Plan, as indicated on the purchase confirmation page. The following sentence is added as the last sentence of Section E What to do if you require service: If it is an emergency and We cannot be reached, You can proceed with repairs. We will reimburse You or the repairing facility in accordance with the Protection Plan provisions.

NEVADA only: This Protection Plan is renewable at Our option. This Protection Plan is not an insurance policy. This Protection Plan does not provide replacement or service coverage for failures or breakdowns arising from pre-existing conditions or for any form of consequential damages. The purchase price is as indicated on the bill of sale or receipt or declarations page and is considered to be a part of the contract.

The cancellation provision in this Protection Plan is hereby deleted and replaced with the following:

This Protection Plan is void and We will refund to You the purchase price of this Protection Plan, if no service or replacement claim has been made and You return the contract to Us:

1. Within 20 days after the date this Protection Plan was mailed or otherwise sent to You; or
2. Within 10 days after You have received a copy of this Protection Plan if We have furnished You with a copy of this Agreement at the time when this Agreement was purchased.

To arrange for cancellation of this Plan, please contact Your Seller. We will refund to You the purchase price of this contract within 45 days after it has been returned to us. If We do not refund the purchase price within 45 days, We will pay You a penalty of 10 percent (10%) of the purchase price for each 30-day period that the refund remains unpaid. You may also cancel this Protection Plan at any other time and receive a refund equal to the pro rata purchase price. These provisions apply only to the original purchaser of this Protection Plan.

We may not cancel this contract once it has been in effect for at least seventy (70) days, except for the following conditions:

1. Failure by You to pay this Protection Plan purchase price;
2. The contract holder being convicted of a crime which results in an increase in the service required under this Protection Plan;
3. Discovery of fraud or material misrepresentation perpetrated by You in purchasing this contact or obtaining service;
4. The discovery of an act or omission, or a violation of any condition of this contract by You which substantially and materially increases the service requested under this Protection Plan; or
5. A material change in the nature or extent of the service required under this Protection Plan, which occurs after the purchase of this contract, and substantially and materially increases the service required beyond that contemplated at the time of purchase.

NEW HAMPSHIRE only: In the event You do not receive satisfaction under this Protection Plan, You may contact the New Hampshire Insurance Department at 21 South Fruit Street, Suite 14, Concord, NH 03301, 1 (800) 852-3416. The obligations under this Protection Plan are insured by a contractual liability policy issued by Starr Indemnity & Liability Company located at 399 Park Ave., 3rd Floor, New York, NY 10022. In the event any covered service is not paid within sixty (60) days after proof of loss has been filed or the Obligor ceases to do business or goes bankrupt, You may file Your claim directly with Starr Indemnity & Liability Company.

NEW MEXICO only: You may return this Protection Plan within ninety (90) days of the date this Protection Plan was provided to You. If You made no claim, the Agreement is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten (10%) percent per month on a refund that is not made within sixty (60) days of the return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan. We may not cancel this Protection Plan once it has been in effect for seventy (70) days except for the following conditions:

1. Failure to pay an amount when due;
2. The conviction of You in a crime that results in an increase in the service required under this Protection Plan;
3. Fraud or material misrepresentation by You in obtaining this Protection Plan or in presenting a claim for service thereunder; or
4. Discovery of an act or omission or a violation of any condition of this Protection Plan by You, which substantially and materially increases the service required under this Protection Plan.

NEW YORK only: The obligations of the Obligor under this Protection Plan are insured under a service contract reimbursement insurance policy issued by Starr Indemnity & Liability Company. If the Obligor fails to perform under this Agreement, including failure to return any unearned fee in the event of cancellation, Starr Indemnity & Liability Company will pay all sums the Obligor is legally obligated to pay under this Agreement or perform any service the Obligor is legally obligated to perform under this Agreement. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten percent (10%) per month on a refund that is not made within thirty (30) days of return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan In the event We cancel this Protection Plan, 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. A written notice is not required, 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 Product or its use. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Ave, 3rd Floor, New York, NY 10022, [(855) 438-2390].

NORTH CAROLINA only: The purchase of this Protection Plan is not required in order to obtain financing. We may not cancel this Protection Plan except for nonpayment by You or for violation of any of the terms and conditions of this Protection Plan. If You cancel this Protection Plan, 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. To arrange for cancellation of this Plan, please contact Your Seller. Obligations under this Protection Plan are insured by Starr Indemnity & Liability Company, 399 Park Ave., 3rd Floor, New York, NY 10022.

OKLAHOMA only: The Obligor under this Protection Plan is Starr Underwriting Agency, Inc. (License # 44200902). This plan is a service agreement and is not an insurance policy. The Cancellation conditions do not apply to Oklahoma state residents. In the event You cancel this Protection Plan, You shall receive a refund equal to ninety percent (90%) of the unearned pro-rata purchase price less the cost of any service received. To arrange for cancellation of this Plan, please contact Your Seller. In the event We cancel this Protection Plan, You shall receive a refund equal to one hundred percent (100%) of the unearned pro-rata purchase price, less the cost of any service received. This is not an insurance contract. Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association. While arbitration is mandatory, the outcome of any arbitration shall be nonbinding on the parties, and either party shall, following arbitration, have the right to reject the arbitration awarded and bring suit in a district court of Oklahoma.

OREGON only: Arbitration: If You are a resident of Oregon, the following shall replace all references to Arbitration in these Terms and Conditions: Arbitration is not mandatory and has to be by mutual agreement. Any arbitration occurring under this Protection Plan shall occur in an agreed upon location by both parties and be administered in accordance with the Expedited Procedures of the Commercial Arbitration Rules of the American Arbitration Association (the "Arbitration Rules") unless any procedural requirement of the Arbitration Rules is inconsistent with the Oregon Uniform Arbitration Act in which case the Oregon Uniform Arbitration Act shall control as to such procedural requirement. Any award rendered shall be a nonbinding award against You.

SOUTH CAROLINA only: In order to prevent damage to the Covered Product, please refer to the owner's manual. This Protection Plan does not provide coverage for pre-existing conditions. This Protection Plan does not cover repair and replacement necessitated by loss or damage resulting from 1) any cause other than normal use and operation of the Product in accordance with manufacturer's specifications and/or owner's manual or 2) failure to use reasonable means to protect Your Product from further damage after a breakdown or performance failure occurs. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten percent (10%) per month on a refund that is not made within forty- five (45) days of return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan. In the event We cancel this Protection Plan, 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 written notice is not required 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. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company, which insures the obligations under this Protection Plan, located at 399 Park Ave., 3rd Floor, New York, NY 10022. In the event You have a question or complaint, You may contact the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina, 29202-3105, (803) 737-6134.

TEXAS only: You may return this Protection Plan within twenty (20) days of the date this Service Contract was provided to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent of the amount outstanding per month on a refund that is not made within forty-five (45) days. These provisions apply only to the original purchaser of this Protection Plan . In the event We cancel this Protection Plan, We 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, 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. Obligations of the provider under this Protection Plan are insured under a service contract reimbursement policy. In the event a covered service is not provided by Us within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Ave, 3rd Floor, New York, NY 10022. Unresolved complaints concerning a provider or questions concerning the registration of a service contract provider may be addressed to the Texas Department of Licensing and Regulations, PO Box 12157, Austin TX 78711, 1 (800) 803-9202.

UTAH See Utah specific contract here.

VERMONT only: You may return this Protection Plan within twenty (20) days of receipt and, if no claim for service has been made, receive a full refund of the purchase price. To arrange for cancellation of this Plan, please contact Your Seller. Our obligations under this Protection Plan are supported by a contractual liability insurance policy issued by Starr Indemnity & Liability Company. In an event that We are unable to perform under the contract, Starr Indemnity & Liability Company, which shall pay on Our behalf any sums We are legally obligated to pay and shall provide the service, which We are legally obligated to perform according to the Our contractual obligations under this Protection Plan. 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 Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390].

VIRGINIA only: If any promise made in the contract has been denied or has not been honored within 60 days after your request, you may contact the Virginia Department of Agriculture and Consumer Services, Office of Charitable and Regulatory Programs at www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml to file a complaint.

WASHINGTON only: The "Insured Agreement" provision of these Terms and Conditions as set forth above is deleted in its entirety and replaced with the following: This is not an insurance policy. Obligations of the service contract obligor under this Protection Plan are backed by the full faith and credit of the service contract obligor, Starr Underwriting Agency, Inc., located at 399 Park Avenue, 3rd Floor, New York, NY 10022. You may contact them toll-free at [(855) 438-2390].

WISCONSIN only: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. Arbitration: If You are a resident of Wisconsin, the following shall replace all references to Arbitration in these Terms and Conditions: Arbitration is not mandatory and has to be by mutual agreement. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, or if the provider becomes insolvent or otherwise financially impaired, the claim can be submitted to Starr Indemnity & Liability Company, who insures Our obligations under this Protection Plan, located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was mailed to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You or credited to Your account. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent per month on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to Us. If We cancel this Protection Plan, We will provide You at least 5 days written notice prior of cancellation stating the effective date and reason. These provisions apply only to the original purchaser of this Protection Plan. In the event that You experience a total loss of property covered by this contract that is not covered by a replacement of the property pursuant to the terms of the contract, You shall be entitled to cancel this contract and receive a pro rata refund of any unearned provider fee, less any claims paid. Lack of pre-authorization shall be the sole grounds for a claim denial; however, unauthorized repairs may not be covered if evaluated to have been at an unreasonable expense.

WYOMING only: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to Us. These provisions apply only to the original purchaser of this Protection Plan. In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least ten (10) 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, a material misrepresentation by You relating to the Covered Product or its use, or a substantial breach of Your duties relating to the Covered Product or its use. Obligations under this Protection Plan are insured by Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022.