Terms and Conditions

1. INTRODUCTION. These Terms and Conditions, together with Your Order Confirmation, govern the EV Charger Protection Plan (collectively, the “Plan”) between You and Us, including coverage information, claims instructions, cancellation rights, limitations and exclusions, and other important information. Please read these documents carefully.

This Plan requires the resolution of disputes through individual small claims action or individual arbitration. Please read Section 12 for further information that affects Your legal rights.

2. DEFINITIONS. The following terms have the meanings set forth below:

1. “Administrator” means EVSTAR, LLC., 44927 George Washington Blvd, STE 265, Ashburn, VA 20147.

2. “Aggregate Claim Limit” is defined in Section 8(a).

3. “Coverage Expiration Date” means the date that the Term of this Plan ends, as listed on Your Order Confirmation.

4. “Coverage Start Date” means the date You first become eligible for coverage under this Plan, as listed in Your Order Confirmation.

5. “Covered Product” means Your purchased EV Charger that is enrolled under this Plan. The Covered Product is listed on Your Order Confirmation. Covered Product does not include those components which are specifically excluded under Section 9 below.

6. “EV Charger” means the Direct-current fast charger or Level 2 electric vehicle charging station that You purchased from Seller, including any accessories in the original packaging.

7. “Obligor,” “Us”, “We”, and “Our” mean AIG WarrantyGuard, Inc., 500 W. Madison Street, Ste. 3000, Chicago, IL 60661, Ph: (800) 250-3819, except in Florida and Oklahoma where they mean AIG Warranty Services of Florida, Inc., 1767 WSR 434, West Longwood, FL 32750, Ph: (800) 250-3819.

8. “Order Confirmation” means the purchase confirmation email or document that You receive from the Administrator for this Plan that identifies the Covered Product, the Purchase Date, the Coverage Start Date, the Coverage Expiration Date, the Plan Fee, the Seller, and other important information applicable to this Plan.

9. “Plan” is defined in Section 1.

10. “Plan Fee” means the price due for this Plan. The Plan Fee is listed in Your Order Confirmation.

11. “Purchase Date” means the date You purchased this Plan, as listed in Your Order Confirmation.

12. “Repair Claim Limit” is defined in Section 8(b).

13. “Replace/Reimburse Claim Limit” is defined in Section 8(c).

14. “Seller” means the entity identified as the seller of this Plan in Your Order Confirmation.

15. “Service Address” means the property address listed in Your Order Confirmation that is enrolled for coverage under this Plan.

16. “Service Fee” means the non-refundable administrative fee that You are required to pay per claim, if any, prior to receiving services under this Plan. If a Service Fee applies to Your Plan, it will be included on Your Order Confirmation.

17. “Term” is defined in Section 3.

11. “Wait Period” means the period from the original Purchase Date, if any, where any losses and claims are ineligible for coverage. If a Wait Period applies to Your Plan, it will be included on Your Order Confirmation.

12. “You” and “Your” means the original purchaser of the Covered Product and this Plan or any valid transferee or assignee of the Plan owner.

3. COVERAGE TERM.

  1. This Plan commences on the Purchase Date and remains in effect until the Coverage Expiration Date (“Term”).
  2. If Your Plan includes a Wait Period, as indicated on Your Order Confirmation, ANY LOSSES THAT OCCUR OR TAKE PLACE DURING THE WAIT PERIOD ARE NOT ELIGIBLE FOR COVERAGE.
  3. The Plan Fee must be paid in accordance with Your payment schedule for You to remain eligible for coverage.
  4. If the Covered Product is being serviced when this Plan expires, coverage will be extended until the applicable services are completed.

4. Your Responsibilities & Eligibility Requirements.

  1. Your Covered Product must be in good working order as of the Coverage Start Date and must be properly maintained and operated throughout the Term, in accordance with the manufacturer’s instructions, to be eligible for coverage.
  2. Your Covered Product will not be eligible for coverage if serial or model numbers have been removed or made illegible.
  3. You must ensure that Your Covered Product remains in compliance with local codes as well as any other legal or regulatory requirements. The Covered Product must also be maintained and used in accordance with industry standards and any relevant user manuals or guides.
  4. We may require You to provide Your Plan’s Contract Number, Your Covered Product’s original purchase receipt, and other relevant information to be eligible for coverage. Please keep these documents in a readily accessible location for future use.
  5. We may require You to pay a Service Fee to initiate a claim. Please review Your Order Confirmation for any applicable Service Fee that applies to Your Plan.

5. Scope of Coverage.

  1. Subject to this Plan’s limitations and exclusions, We will provide eligible services for Your Covered Product upon the occurrence of one or more of the following breakdowns, failures, or damages:
    1. Mechanical/Electrical Failures: The Covered Product fails to perform as the manufacturer intended during normal usage due to structural or operational failure(s) caused by defects in materials or workmanship. For clarity, a Covered Product fails to perform as the manufacturer intended when the EV Charger, under normal and intended use, fails to function substantially in accordance with the product’s technical specifications or accompanying product documentation, as provided by the manufacturer at the time of the EV Charger’s purchase.
    2. Power Surge: The Covered Product fails to perform as the manufacturer intended during normal usage due to structural or operational failure(s) caused by a power surge.
    3. Accidental Damage from Handling (“ADH”): The Covered Product fails to perform as the manufacturer intended due to accidental damage from handling during normal usage, such as accidental drops or collisions. During the claims process, ADH coverage requires an explanation of where, when, and how the accidental damage occurred, including a detailed description of the fortuitous event. Failure to provide this information may result in claim denial.
  2. This Plan does not cover pre-existing conditions or losses to Your Covered Product that occur prior to the Coverage Start Date.
  3. We are not responsible for the loss of any data due to the breakdown, repair, or replacement of Your Covered Product.

6. How to File a Claim?

  1. To initiate a claim, call the Administrator toll-free at 1-800-523-7440 or initiate a claim online by visiting https://claims.goevstar.com/. Please have all Your documents handy when you initiate a claim, including a copy of Your Order Confirmation and any applicable receipts. Customer service agents will be available to answer Your calls between the hours of 8 AM – 5 PM CST Monday – Friday. If You call the Administrator after business hours or during the weekends, You may also leave a voice message describing Your claim.
  2. All claims must be reported to Us within 30 days from the breakdown or failure and prior to this Plan’s expiration or termination to be eligible for coverage.
  3. Please note that the We must authorize any repairs or replacements to be eligible for coverage. We may deny any claims where You fail to follow this Plan’s claims procedures or fail to receive Our approval prior to repairing or replacing Your Covered Product.

7. Repair, Replacement, & Reimbursement Services.

  1. Subject to the Aggregate Claim Limit, Repair Claim Limit, and Replace/Reimburse Claim Limit specified in Section 8, if Your Covered Product experiences a covered breakdown or failure, We will, at Our sole discretion, provide You with one or more of the following services:
    1. Repair the Covered Product;
    2. Replace the Covered Product with an item of like-kind and quality; or
    3. Reimburse You for the cost of the Covered Product (excluding sales tax) and applicable installation fees.
  2. For in-person diagnosis, repair, and replacement services, (i) You or a responsible representative must be present when the technician is onsite and (ii) You agree to make the Covered Product reasonably accessible to the service contractor. The service contractor must have safe working conditions at and around the product or systems. Unsafe conditions include the presence of animals or insects in the work area, a threatening work environment, or the presence of bodily fluids on or near the product or system. If the product or system is not accessible, the service contractor will have the option, at Your expense, of declining to provide service or assessing You an additional charge for making the product or system accessible.
  3. If We are unable to locate or dispatch a service technician for any reason, We may, at Our discretion, authorize You to retain an independent service contractor to evaluate Your Covered Product and diagnose any issues. To be eligible for potential reimbursement, You will need to send us an itemized statement from the service technician that describes the Covered Product’s reason for failure and provides an estimated cost for repair or replacement. The itemized statement must be returned to Us within 90 days from the date that We authorize You to retain Your own contractor. We may also require you to fill out a claim facilitation form with the itemized statement. We will evaluate the itemized statement that is returned to Us and authorize any repairs, replacements, or reimbursements that We determine are covered under the Plan.
  4. If You initiate service for a non-covered repair or a “no failure found” diagnosis is determined at the time of service, We may decline to reimburse any costs associated with the claim other than any covered inspection or diagnosis fees.
  5. Any repaired or replaced Covered Product that You receive under the Covered Product’s applicable manufacturer warranty or this Plan will continue to be covered under this Plan for the remainder of the Term, subject to the limits set forth herein.
  6. Repair parts or replacement products under this Plan may be new, used, refurbished, non-original, like-kind, or remanufactured and may not match the exact model or color as Your original Covered Product. Refurbished or remanufactured products will be of equal or similar features and functionality that perform to the factory specifications of the original Covered Product. Technological advances or changing market conditions may result in a replacement product with a lower selling price than the original Covered Product.

8. Limits of Liability.

  1. Aggregate Claim Limits.
    1. Our maximum, aggregate liability for all covered claims during the Term will not exceed the following (“Aggregate Claim Limit”): (1) The price You paid for the Covered Product (excluding sales tax), as indicated on Your original sales receipt or order confirmation and (2) the costs We would incur to re-install Your Covered Product at the time of complete or total loss.
    2. If You are unable to provide Your original sales receipt during the claims process, we may use reasonable market values at the time of Your Covered Product’s purchase, as determined in Our sole discretion, to determine Your Aggregate Claim Limit.
    3. Notwithstanding the foregoing, for all products exceeding the price paid of $15,000, the Aggregate Claim Limit for Your Covered Product will be subject to a deduction for depreciation of Your Covered Product’s original purchase price or market value, as applicable, pursuant to the below table based on the age of Your Covered Product at the time of loss. For clarity, the below depreciation schedule only applies to Your Covered Product’s purchase price or market value, as applicable; it does not apply to the labor costs for installation included in Your Aggregate Claim Limit.
Contract Term Retail Depreciation Value
Years 1 & 2 100% of Product Purchase Price
Year 3 85% of Product Purchase Price
Year 4 75% of Product Purchase Price
Year 5 65% of Product Purchase Price
  1. Repair Claim Limits. If We elect to repair Your Covered Product in satisfaction of a claim, Our maximum liability per         covered repair claim shall not exceed the lesser of the following, as determined in Our sole discretion: (i) The costs for a qualified service technician to repair Your Covered Product or (ii) $5,000 (“Repair Claim Limit”).
  2. Replace or Reimburse Claim Limits. If we elect to replace Your Covered Product with an item of like-kind and quality or reimburse You in satisfaction of a claim, Our maximum liability per covered replacement or reimbursement claim shall not exceed the lesser of the following, as determined in Our sole discretion (“Replace/Reimburse Claim Limit”):
    1. The cost to replace Your Covered Product with an item of like-kind and quality; or
    2. The Aggregate Claim Limit for Your Covered Product, less past repair claims paid.
  3. Plan Fulfillment. We will have fulfilled all obligations owed under this Plan and no more claims will be eligible for coverage if the total of all claims paid meet the Aggregate Claim Limit set forth herein or We replace or reimburse You for the Covered Product in accordance with the Replace/Reimburse Claim Limit.

9. Exclusions. Your Plan does not cover the following:

  1. Losses or costs that are recoverable under any other warranty, guarantee, service contract, or insurance policy, in which case this Plan will only provide secondary or excess coverage for covered losses and cover the costs of any applicable deductible, subject to all other exclusions and limitations set forth herein;
  2. Losses that are subject to a manufacturer’s recall;
  3. Losses, other than ADH, caused by Your failure to follow or adhere to the manufacturer’s operation, care, or maintenance instructions;
  4. Any pre-existing conditions or damages to Your Covered Product that occurred prior to the Coverage Start Date;
  5. Unauthorized modifications, alterations, or enhancements to Your Covered Product;
  6. Covered Products purchased without a manufacturer’s warranty or “as-is”;
  7. Damages to nonfunctional or aesthetic parts, normal wear and tear, and cosmetic damage that does not impact Your Covered Product’s proper operation or functionality, including scratches, peeling, discoloration, dents, and chips;
  8. Batteries, solar arrays, and external electrical fixtures, outlets, wiring, circuit boxes and breakers, and related components of the Service Address’s electrical grid;
  9. Any accessories that are not included in Your Covered Product’s original packaging;
  10. Cleaning, periodic checkups, and preventive maintenance;
  11. Periphery or incidental costs arising from or relating to any needed installation, set-up, removal, or disposal services, including costs of opening, removing, or restoring walls or floors, countertops, cabinets, or similar fixtures in or around Your Covered Product and the disposal of hazardous or toxic material;
  12. Consumable items that are designed to be periodically replaced by You during the life of Your Covered Product, as set forth in Your owner’s manual or instructions from the manufacturer;
  13. Loss or damage, other than ADH, caused by any type of abnormal or improper use, abuse, misuse, neglect, willful or reckless misconduct, or any other use otherwise inconsistent with the owner’s manual or instructions;
  14. Losses, failures, or intermittent performance issues caused by low or poor internet speeds or connections;
  15. Damage caused by packing, unpacking, assembly, installation, or removal;
  16. Incidental, consequential, or secondary damages, including loss of use, lost profits, and any damages arising from delays in requesting or rendering service, replacement, or reimbursement under this Plan;
  17. Any third party support services or software provided with the Covered Product; software or on-line service performance issues; and losses caused by third-party hardware, software, programming, or accessory items;
  18. Loss or damage caused by external causes of any kind, other than ADH, including war, invasion, rebellion, riot, strike, labor disturbance, lockout, civil commotion, fire, theft, insects, pandemic, animals, exposure to weather, windstorm, sand, dirt, hail, earthquake, water, or acts of God;
  19. Covered Products that are lost, misplaced, or stolen;
  20. Costs arising from or relating to the upgrade or modification of parts, components, or equipment due to incompatibility with existing systems, service, or utility lines at the Service Address or to meet changes in federal, state, or local codes or regulations;
  21. Electric or hybrid motor vehicles and their components, parts, and accessories (other than EV Chargers);
  22. Loss of use of, damage to, corruption of, inability to access, or inability to manipulate any computer system, electronic hardware, or software, or components thereof, that are used to store, process, access, transmit, or receive information within Your Covered Product as result of any cause or loss other than covered losses that are expressly stated in this Plan, including any unauthorized access or unauthorized use of such system, a denial of service attack, or receipt or transmission of malicious code; and
  23. Loss of use of, damage to, corruption of, inability to access, or inability to manipulate any electronic data stored within a Covered Product, including any such loss caused by unauthorized access or unauthorized use of such data, a denial of service attack, or receipt or transmission of malicious code.

We shall not provide coverage and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim, or provision of such benefit would expose the Obligor, its parent company, or its ultimate controlling entity to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America.

10. Cancellation.

  1. You may cancel this Plan for any reason and at any time by initiating a request with the Administrator at 1-800-523-7440.
  2. If You request to cancel this Plan within thirty (30) days from the Purchase Date without making any claims (“Free Look Period”), You will be refunded the full Plan Price.
  3. If You request to cancel this Plan within thirty (30) days from the Purchase Date after making a claim or after thirty (30) days from the Purchase Date, You will receive at least a pro-rata refund of the Plan Price based on the elapsed Term, less the costs of any services or claims made.
  4. We reserve the right to cancel this Plan upon at least thirty (30) days prior written notice. If We cancel this Plan, a pro rata refund of the Plan Price will be issued for the unexpired Term, less the costs of any claims paid. The notice of cancellation will include the reason and the effective date of cancellation.
  5. If this Plan was inadvertently sold to You on a product that was not intended to be covered by this Plan, We may cancel this Plan immediately upon notice and return the full Plan Price to You.
  6. In the event of reasonable suspicion of fraud, material misrepresentation, or a substantial breach of Your duties under this Plan, We may cancel this Plan immediately and without prior notice and We may demand immediate payment of the cost of all services provided to You, less Your payments made, and no refund of any kind will be issued.
  7. In the event of non-payment by You, We may cancel this Plan immediately and without prior notice and You will receive a pro-rated refund of the Plan Price based on the elapsed Term, less the costs of any services or claims made.

11. Miscellaneous.

  1. Transferability. This Plan is not transferrable or assignable by You to a new contract holder.
  2. Subrogation. If We make any payment under this Plan, We are entitled to recover what We paid from other responsible parties. By accepting settlement of a claim, You transfer to Us Your right to recovery against any other party.
  3. Entire Agreement. This Plan represents the entire contract between You and Us with respect to the subject matter herein. Neither the Seller, Administrator, nor any other agent has authority to change this Plan or to waive any of its provisions. No other written or oral statement applies to this Plan. No coverage will be provided under this Plan if any information that You, or anyone claiming benefits hereunder, provides is determined to be false, misleading, or intentionally omitted.
  4. Reimbursement Insurance. This Plan is a service contract and not an insurance policy. However, We secure Our fulfillment obligations and risks through an insurance policy issued by Illinois National Insurance Co., 500 W. Madison St., Ste. 3000, Chicago, IL 60661, Ph: (800) 250-3819 in all covered states except for AR, CA, FL, MS, NC, NY, OK, and VA where the insurance policy is issued by New Hampshire Insurance Company, 500 W. Madison St., Ste. 3000, Chicago, IL 60661, Ph: (800) 250-3819. If within 60 days We have not paid a claim, provided You with a required refund, or You are otherwise dissatisfied, or We are no longer a going concern, become insolvent, or are otherwise financially impaired, You are entitled under state law to make a claim directly to the insurer by contacting the insurer at the address or phone number listed above. Please enclose a copy of Your Plan when sending correspondence to the insurer.
  5. Privacy Policy. We respect Your privacy. To review Our privacy policy, please visit https://www.aig.com/privacy-policy.
  6. Assignment. We may delegate or assign any of Our obligations at Our sole discretion and without Your consent provided We give You at least 30 days’ prior written notice of any material changes. You may not change this Plan or delegate any of Your obligations.
  7. Independent Contractors. We are not a service provider, technician, or product retailer. Any repair and replacement services will be performed by independent, third-party contractors.
  8. CHANGES TO THE PLAN: WE MAY CHANGE THE PLAN PRICE, ADMINISTRATION OF THE PLAN OR THESE TERMS AND CONDITIONS FROM TIME TO TIME UPON THIRTY (30) DAYS WRITTEN NOTICE TO YOU. SUCH NOTICE MAY BE PROVIDED AS IN A SEPARATE MAILING OR EMAIL OR BY ANY OTHER REASONABLE METHOD. IF YOU DO NOT AGREE TO THE MODIFIED CHARGES OR TERMS OF THE AGREEMENT, YOU MAY CANCEL THE PLAN BY NOTICE TO US OR THE ADMINISTRATOR AT ANY TIME IN ACCORDANCE WITH THESE TERMS AND CONDITIONS. THE PAYMENT OF APPLICABLE CHARGES BY YOU, OR A REQUEST FOR SERVICE UNDER THE PLAN, AFTER RECEIVING SUCH NOTICE OF A CHANGE IN THE CHARGES OR OTHER TERMS AND CONDITIONS WILL BE DEEMED TO BE ASSENT BY YOU TO THE CHANGE(S) IN THE CHARGES, TERMS OR CONDITIONS.
  9. Liability Limitation. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR EMPLOYEES AND AGENTS WILL UNDER NO CIRCUMSTANCES BE LIABLE TO YOU OR ANY SUBSEQUENT OWNER FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES RESULTING FROM OUR OBLIGATIONS UNDER THIS PLAN, INCLUDING THE FOLLOWING: COSTS OF RECOVERING, REPROGRAMMING, OR REPRODUCING ANY PROGRAM OR DATA; FAILUE TO MAINTAIN DATA CONFIDENTIALITY; LOSS OF USE, INCLUDING LOSS OF USE WHILE THE COVERED ELECTRONICS ARE BEING REPAIRED OR REPLACED; OR ANY LOSS OF BUSINESS PROFITS, REVENUE, OR ANTICIPATED SAVINGS. OUR MAXIMUM LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THIS PLAN SHALL NOT EXCEED THE PER CLAIM AND AGGREGATE LIMITS SET FORTH HEREIN, REGARDLESS OF WHETHER THE UNDERLYING ACTION IS IN CONTRACT, TORT, OR ANY OTHER LEGAL OR EQUITABLE THEORY.
  10. Severability. If any provision of this Plan is held invalid, illegal, or unenforceable in any respect under applicable laws, the validity, legality, and enforceability of the remaining provisions of this Plan shall not in any way be affected or impaired thereby.

12. Arbitration & Class Action Waiver.

READ THE FOLLOWING ARBITRATION AGREEMENT CAREFULLY. IT LIMITS CERTAIN RIGHTS OF YOURS, INCLUDING YOUR RIGHT TO OBTAIN RELIEF OR DAMAGES IN COURT AND YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR REPRESENTATIVE PROCEEDINGS.

YOU AND WE AGREE TO RESOLVE ANY DISPUTES THROUGH INDIVIDUAL BINDING ARBITRATION INSTEAD OF THROUGH COURTS OF GENERAL JURISDICTION, EXCEPT AS FOLLOWS:

ANY DISPUTE FALLING WITHIN THE JURISDICTIONAL SCOPE AND AMOUNT OF AN APPROPRIATE SMALL CLAIMS COURT MUST BE BROUGHT IN SMALL CLAIMS COURT ON AN INDIVIDUAL BASIS.

YOU AND WE AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS ONLY. YOU AND WE AGREE TO WAIVE THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN CLASS ARBITRATIONS, CLASS ACTIONS, AND REPRSENTATIVE PROCEEDINGS.

Under this provision, “Dispute” includes any claim or controversy arising out of or relating in any way to this Plan—whether based in contract, tort, statute, fraud, misrepresentation, or any other legal or equitable theory.

This Arbitration Agreement is subject to and governed by the Federal Arbitration Act (“FAA”). This Arbitration Agreement is intended to be broadly interpreted and shall survive any termination or cancellation of this Plan. This Arbitration Agreement applies to Our respective parents, subsidiaries, affiliates, service contract insurers, obligors, agents, employees, successors, and assignees.

You and We agree to waive the right to participate in class actions or representative proceedings. However, this Arbitration Agreement does not preclude You from bringing an individual action against Us in small claims court, so long as the dispute is pursued on an individual rather than a class-wide basis.

The American Arbitration Association (“AAA”) will administer any arbitration and will do so in accordance with its rules in effect at the time the claim is filed. You may obtain a copy of the AAA rules by visiting www.adr.org. Unless You and We agree otherwise, any arbitration hearing will take place in the county of the Service Address. The right to a hearing will be determined by the AAA Rules. However, if the claim is for $10,000 or less, You may decide whether You want the arbitration to be conducted instead: (a) Only on the basis of documents or (b) through a telephone hearing.

13. STATE-SPECIFIC DISCLOSURES:

Georgia, Hawaii, Maryland: The following statement is added to Section 10(b): “If You cancel Your Plan during the Free Look Period without making any claims and do not receive a full refund or credit within forty-five (45) days of Our receipt of the returned Plan, a ten percent (10%) penalty per month shall be applied to the refund owed to You. The right to void the service contract during the Free Look Period is not transferable and applies only to the original contract purchaser.”

Connecticut: If Your term of coverage is less than one (1) year, this Plan is automatically extended while the product is being repaired. You may cancel this Plan if You return the product or the product is sold, lost, stolen, or destroyed. If We are unable to resolve any disputes with You regarding this Plan, You may file a written complaint to the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn: 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 Plan.

Georgia: Section 9(d) is deleted in its entirety and replaced with the following: “ANY AND ALL PRE-EXISTING CONDITIONS KNOWN TO YOU OR REASONABLY SHOULD BE KNOWN TO YOU THAT OCCUR PRIOR TO THE EFFECTIVE DATE OF THIS AGREEMENT.” Sections 10(b) through (g) are replaced with the following: “If You request cancellation of the Plan within thirty (30) days from the Plan Purchase Date, You will be refunded the full Plan Price less claims paid. If You cancel the Plan after thirty (30) days from the Plan Purchase Date, You will be refunded the unearned pro-rata Plan Price less claims paid. We may only cancel this Plan for fraud, material misrepresentation, or failure to pay any amounts due. We will provide You with written notice of such cancellation, which will be effective at least thirty (30) days from date of mailing such notice. If We cancel this Plan, We will refund any unearned portion of the Plan price on a pro rata basis, less any claims paid. If a claim covered by this Plan is also covered by another service contract, then the claim will be paid on a pro-rata basis with such other service contract. If a claim covered by this Plan is covered by an insurance policy, manufacturer’s warranty, or recall, or is the subject of any legal action, We shall pay only for the amount of the cost to repair or replace such covered product in excess of the amount due from that other insurance policy, manufacturer’s warranty, recall, or legal action. In no event, however, shall We pay more than the applicable Limit of Liability. Arbitration is nonbinding in Georgia. For any claim that is not arbitrated or brought in small claims court, it will be resolved in a state or federal court with proper jurisdiction based on the county where the contract holder resides.”

Indiana: Your proof of payment to Us shall be considered proof of payment to the insurance company which guarantees Our obligations to You.

Maryland: Your service contract is extended automatically if We fail to perform the services under the service contract and will not terminate until the services are provided in accordance with the terms of the service contract.

New York: The following paragraph is added to Section 10(b): “If You cancel this Plan during the Free Look Period without making any claims and We do not provide the full refund within thirty days after Your return of the Plan, a 10% penalty per month will be added to the refund. The right to void the Plan during the Free Look Period is not transferable and applies only to the original contract purchaser.”

Oregon: AIG WarrantyGuard, Inc.’s license number in Oregon is 208059.

Utah: This Plan is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this Plan is not guaranteed by the Property and Casualty Guarantee Association. Proof of loss should be furnished by You to Us as soon as reasonably possible. Failure to furnish such notice or proof within the time required by this Plan does not invalidate or reduce a claim. Sections 10(d) through (g) are replaced with the following: “We may cancel this Plan during the first sixty (60) days of the initial term by mailing to You a notice of cancellation at least thirty (30) days prior to the effective date of cancellation, except that We may also cancel this Plan during such time period for nonpayment of premium by mailing You a notice of cancellation at least ten (10) days prior to the effective date of cancellation. After sixty (60) days have elapsed, We may cancel the Plan by mailing a cancellation notice to You at least ten (10) days prior to the cancellation date for cancellations due to nonpayment of premium, and thirty (30) days prior to cancellation date for any of the following reasons: (a) Material misrepresentation; (b) substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Plan; or (c) substantial breaches of contractual duties, conditions, or warranties.”