AKKO, Inc. Membership Terms and Conditions

These Membership Terms and Conditions (the “Terms”) govern your Membership with AKKO, Inc. (“AKKO” or “us”).  As a Member of AKKO,  you are subject to these Membership Terms and Conditions, the Website Terms and Conditions, found here, and any other terms, conditions, or agreements governing your use of AKKO products or services, as applicable, all of which are incorporated herein by reference. In the event of a conflict between the Membership Terms and Conditions on the one hand and any other terms, conditions, or agreements on the other hand, the Membership Terms and Conditions shall govern solely with regard to the transactions contemplated herein.

We may amend these Membership Terms and Conditions from time to time, by posting the amended Membership Terms and Conditions on this page. We may also post a prominent notice of material changes to these Membership Terms and Conditions on the home page of the AKKO website. Any changes to these Membership Terms and Conditions will be effective immediately for new Members; otherwise these changes will be effective upon thirty (30) calendar days following our posting of a notice on our Site. Accordingly, you should check this page regularly for any updates to these Membership Terms and Conditions. Continued possession or use of your Membership following notice of such changes shall indicate your acknowledgment of, and agreement to be bound by, such changes. Except as provided in this Section, no amendment to these Membership Terms and Conditions will be valid.

By completing registration with AKKO, checking off the agreement box and statement, and submitting payment, you understand and agree to all outlined terms and conditions set forth in this document, our website’s FAQs, and the documents found by link on getAKKO.com/legal. If you do not understand any of the information set forth here in our terms, you may contact us for clarifications or further explanation at: [email protected].

 

  1. THE MEMBERSHIP 

This contract governs the hardware services and other membership support provided to you by AKKO under the above-mentioned membership (each referred to herein as the “Membership”) for the devices and items protected under the Membership.  (“Protected Equipment”) listed on your Membership confirmation documentation (“Membership Confirmation”). 

The terms of the Membership apply the same whether paid for on an annual basis (“Annual Pay Membership”) or a monthly basis (“Monthly Pay Membership”) unless otherwise noted.  Your Membership may be paid by you or a third party who finances or otherwise pays for your Membership (a “Membership Payment Provider”).  Your Membership may also be provided to you on a Group basis. 

All protection offered under your Membership administered by AKKO are reimbursement agreements for device and item losses, provided as a benefit of AKKO membership. Protection is provided in partnership with Elite Risk Insurance Solutions, License Number 0G40499, and underwritten by “A” Rated Victoria Corporate Limited. 

By joining this Membership, taking advantage of the Membership, or otherwise affirmatively agreeing to these Terms, you acknowledge and understand that AKKO Inc. is not a licensed insurance broker, agent, underwriter, nor receives any broker/agent commissions on protections  provided with our memberships. AKKO reimbursement and warranty agreements or other commitments are financially backed in partnership with Elite Risk Insurance Solutions and Victoria Corporate Limited.  Other coverages or insurance policies may be provided or sold through: Elite Risk Insurance Solutions, License Number 0G40499, or other parties or insurers. 

 

  1. WHEN MEMBERSHIP AND PROTECTION BEGIN AND END

Membership and Protection begin when you purchase the Membership, or are provided access to the Membership via your Group.  Membership and Protection in turn end on the date specified in your Membership Confirmation (“Protection Period”).  To obtain your Membership Confirmation, register your Protected Equipment and your Membership’s registration number (“Membership Agreement Number”) with AKKO.  If auto-registration is available, you may receive a separate Membership Confirmation.  If auto-registration is available and you do not receive a separate Membership Confirmation, your original sales receipt will be your Membership Confirmation.  The terms of this Membership, the original sales receipt for your Membership and the Membership Confirmation are each part of your service contract.  The price of the Membership is contained in the original sales receipt as provided by AKKO or another seller from whom you’ve purchased your Membership (a “Reseller”), or your Membership Payment Provider or Group administrator.  A purchase receipt may or may not be provided to you, you may request one by reaching out to [email protected]. The hardware service and property protection provided by the Membership is additional to the coverage provided by the manufacturer’s hardware warranty and complimentary technical support. 

 For Monthly Pay Memberships (where available), you agree to have the credit card, debit card or other authorized payment source (the “Payment Source”) used for your Membership purchase (or your first Membership payment where not otherwise paid for by a Membership Payment Provider) kept on file to automatically charge in advance of the same day of each month following your initial payment. For example, if your protection begins on November 8, your remaining payments will be debited on December 8, January 8, and so on. If your Payment Source cannot be charged for any reason, and you have not otherwise made the appropriate monthly payment on time, you will receive a notice from AKKO that your account is past due. If payment is not provided within 30 days of this notice, your Membership protection will cease.  Any past due payments are owed to AKKO for your protection to continue.  AKKO has the right, but not the obligation, to accept any late payment and allow your Membership to continue from the date of late payment. 

You accept that it is your responsibility to complete activation of your account, and to verify any property you want protected under your Membership.  Failure to activate your account or register a product does not constitute a delay in your Membership’s start date.  Any claim that services were not offered by AKKO for your failure to comply with this obligation will not result in any form of refund or prorated fees.

 

  1. What is Protected? 

3.1 Hardware Service

If during the Protection Period, you submit a valid claim by notifying AKKO that your Protected Equipment suffered a “Loss” as defined in section 3.2 below, AKKO will either (a) repair the defect—after you have paid your service fee as defined in your Membership—by using new or refurbished parts that are equivalent to new in performance and reliability, or (b) providing you a payment based upon the Protected Equipment as in a refurbished condition. AKKO may use Protected Equipment or replacement parts for service that are sourced from a country that is different from the country from which the Protected Equipment or original parts were sourced. 

All service fees, which may also be referred to as “deductibles,” may be found on our Support page here and/or within your account settings near your plan and billing information. If your Membership is provided through a partner or third party, information on your deductibles may be provided elsewhere.

 

3.2 Loss 

“Loss” is to be defined as any material loss of function or damage, or theft or disappearance of a Member’s Protected Equipment.  Loss does not include any protection of natural degradation or wear and tear.  For more information about what types of damage are not protected as a Loss, please see Section 4 below.

3.3 Verification Required.

As part of your Membership, and to request service pursuant to your Membership, you must verify the devices you want protected by your Membership.   Members must use our platform to upload their personal belongings’ device or item information including information such as make, model, serial numbers, and purchase information and more, as well as pictures of their items and copies of their receipts to their account. As a requirement to have protection by AKKO for any loss, all required information must be provided. Purchase receipts for your Protected Equipment are only required to receive reimbursement for any stolen or lost devices or property. Failure to comply with all outlined requirements may result in your service request being declined, or your Membership being terminated. Photos should be taken according to all instructions within your account and on AKKO’s website. They must demonstrate there are no pre-existing conditions of damage or malfunctions when you sign up.  Below are our guidelines for the most popular types of items to protect, you must adhere to similar guidance for adding information and photos of your other electronics and personal items. You can find examples of acceptable verification photos on our website, getAKKO.com in our FAQs. You may also contact AKKO’s support to inquire if your photos are acceptable. AKKO’s support may provide guidance on general feedback as to the acceptance of your photos, such as if they are too blurry, too dark, or do not contain the proper view or information needed. Confirmation of your photos being acceptable in terms of the required content and quality do not constitute any guarantee that your device or property will be protected for any future service claim.

There are no guarantees that any claims will be accepted.  Only AKKO’s claims agents may provide acceptance of your claim following a thorough review of your provided photos and information at the time of a filed service claim. For each claim, AKKO’s claims agents will closely inspect your provided information to determine if the service request is to be eligible pursuant to these Terms.  It is your responsibility to ensure your Protected Equipment has no prior damage or malfunctions, and that your provided information and photos or videos do not conceal any information which may later be the subject of a service claim you file.  

FOR PHONES & TABLETS:  You MUST upload photos of your item. To upload photos of your phone or tablet, you MUST take photos using the device’s own front and rear cameras in front of a mirror (you do not need to be visible in the photos). Make sure any case is removed.  To take a photo of the front of your device, hold it up to the mirror and use the front-facing “selfie” camera.  To take a photo of the back of your device, hold it up to the mirror and use the rear-facing camera.  Also include one photo of the “about page” in your device’s settings which is taken using another device (phone, camera, etc.). You may not provide a screenshot of the about page. The photo must contain the serial number visible on the screen, and the entire screen and front of the phone/tablet must also be visible.

FOR LAPTOPS: You MUST upload photos of your device.  To upload photos of your laptop, open your laptop with the screen powered “ON” and displaying the laptop’s system info.  On a Mac: Click the “Apple” logo in top left corner and select “About This Mac.”  On a PC: Go to “Settings” > click “System” > then click “About”  Then take a clear photo showing the screen and keyboard of your laptop while the screen is  powered on. Then take a photo of the back/bottom of your laptop.  

 

  1. WHAT IS NOT PROTECTED?

The Membership does not apply to:

 (a) Installation, removal or disposal of the Protected Equipment, or the provision of equipment while the Protected Equipment is being serviced;

 (b) Damage caused by (i) a product that is not the Protected Equipment, (ii) z, abuse, misuse, , fire, earthquake or other external cause, or (iii) operating the Protected Equipment outside the permitted or intended uses described by the manufacturer; or (iv) any of the following: corrosion & rust, cosmetic damage, dishonest acts, intentional acts, , nuclear hazard, power surge, theft from an unattended vehicle[13]  that is not supported by signs of forced entry, unexplained loss or mysterious disappearance[14]  of devices other than phones for members on certain plans and at certain deductibles, war-government seizure or general wear and tear;

(c) Protected Equipment with a serial number that has been altered, defaced or removed, or has been modified to alter its functionality or capability without the written permission of the manufacturer;

(d) Cosmetic damage to the Protected Equipment including but not limited to scratches, dents and broken plastic on ports; or

(e) Preventative maintenance on the Protected Equipment; or

(f) Defects caused by normal wear and tear or otherwise due to normal aging of the product. 

 

  1. HOW CAN YOU USE YOUR MEMBERSHIP? 

You may obtain services by logging into your account via our website or mobile application, and filing a claim under the “claims” section or by emailing [email protected]  Depending on the third party or partner that may provide your Membership, obtaining service may be facilitated by visiting an applicable claims submission page or portal provided to you. If you have difficulty in requesting service, you may contact our support, [email protected] Keep your Membership Confirmation document and any original sales receipts for your Protected Equipment and your Membership, as it may be required if there is any question as to your product’s eligibility for protection.  You may also be required to provide the cell phone number associated with your Membership in order to confirm eligibility. You acknowledge that our claims services team will, and has the explicit right to, investigate your claim and any and all supporting documents or information you provide either written, verbal, or visual.  Failure to comply with this investigation right may result in termination of your Membership as described in Section 7.2 below.  

 

  1. YOUR RESPONSIBILITIES 

To receive service or support under the Membership, you agree to comply with the following:

(a) Provide your Membership Confirmation Number—specifically, the cell phone number associated with your Membership—and/or the serial number or item identifier of your Protected Equipment and a copy of your Membership’s original proof of purchase, if requested; 

(b) Provide reasoning for the Loss;

(c) Provide pictures of the Protected Equipment for which you claim a Loss as described in Section 3.3; and

(c) Pay any and all dues, fees, deductibles, costs, or other such monetary value as established in these Terms and by your Membership.

YOU ARE ALSO RESPONSIBLE IN ENSURING THAT ANY DATA RESIDING ON THE PROTECTED EQUIPMENT IS BACKED UP.  AKKO MAKES NO GUARANTEES AS TO THE PROTECTION OF THE DATA ON YOUR PROTECTED EQUIPMENT.  You will be responsible for reinstalling all other software programs, data and passwords on any device you replace your Protected Equipment with. 

 

  1. CANCELLATION 

 7.1 Your Cancellation Rights

Regardless of your method of purchase, you may cancel this Membership at any time for any reason.   

(a) For Annual Pay Memberships:

To cancel an Annual Pay Membership, you may email AKKO at [email protected] or reach out to AKKO’s support. When emailing AKKO, you must provide your Membership Agreement Number. You may also cancel your Annual Pay Membership by logging into your account via the App or website and referencing the cancellation instructions in your Account Settings page.

Unless local law provides otherwise, cancellation refunds will be provided as follows:

(A) If you cancel within thirty (30) days of your Membership’s purchase, or receipt of this Membership, whichever occurs later, you will receive a full refund less the value of any service provided under the Membership. 

(B) If you cancel more than thirty (30) days after your receipt of this Membership, you will receive a pro rata refund of the original purchase price. The pro rata refund is based on the percentage of unexpired Membership Term from the Membership’s date of purchase, less the value of any service provided to you under the Membership. 

(b) For Monthly Pay Memberships

If you purchased a Monthly Pay Membership from a Reseller, contact the Reseller to cancel your Membership.  If you purchased a Monthly Pay Membership from AKKO, you may cancel by notifying AKKO with your Membership Agreement Number and original proof of purchase as noted in Section 7.1(a) applicable to Annual Pay Memberships above. 

Unless applicable local law provides otherwise, your cancellation will be deferred until midnight on the last day of the monthly period for which the last monthly payment was paid. Your failure to timely and fully make any monthly payment will be deemed an expression of your intent to cancel your Membership and you will not be entitled to receive a refund of any monthly payments you have made. If your Monthly Pay Membership is financed through a Membership Payment Provider, contact your Membership Payment Provider to cancel your Membership.  AKKO may return any refund owed to the financing entity that paid AKKO for your Membership.

(c) Cancellations in connection with a group or membership program:

 If you receive your Membership (regardless of type) as part of a group or membership program, or if you receive your Membership by a Membership Payment Provider, upon expiration or termination of your right to continue your Membership under such program, you may have the option to assume payment for and continue your Membership.  If you do not elect to assume payment and continue your Membership, your Membership will be cancelled and you will have no right to any refund.

7.2 AKKO’s Cancellation Rights 

Unless applicable local law provides otherwise, AKKO may cancel this Membership for fraud, material misrepresentation, or by failure to pay Membership fees by you or your Membership Administrator. 

Should you file a fraudulent claim or provide dishonest or false information about yourself, or your property uploaded to your account, AKKO may cancel your plan and ban your account as well as charge a $35 membership cancellation fee at its discretion.  Examples of such fraudulent activity may include but is not limit to: adding falsified images or misrepresented images of a user’s property or personal items, concealing parts of a photo of a user’s personal items, false or misrepresented  descriptions or accounts of a claim or incident of loss (damage, theft or mysterious disappearance), a user’s place of  residence, identity, or origin, and false statements made about a user’s correspondence with any AKKO company representative or the user’s interactions and material witnessed on the AKKO website, mobile app, or platform (found at getAKKO.com, app.getAKKO.com and AKKO apps in the Google Play and Apple App Stores).  

AKKO imposes this cancellation fee penalty to dissuade fraudulent activity and keep a positive and safe community for members.  Such actions threatens the affordable rates other AKKO members are able to pay for their Membership.   

7.3 Effect of Cancellation

Upon the effective date of your cancellation, AKKO’s future obligations under this Membership to you are fully extinguished. 

 

  1. MEMBER REPRESENTATIONS AND WARRANTIES

By joining the Membership, you represent and warrant that:

  • All registration information you submit will be true, accurate, current, and complete;
  • You will maintain the accuracy of such information and promptly update such registration information as necessary;
  • You have the legal capacity and you agree to comply with these Terms and Conditions;
  • You are not a minor in the jurisdiction in which you reside, or otherwise have parental or guardian permission to access the Membership;
  • You will not access the Membership through automated or non-human means, whether through a bot, script, or otherwise;
  • You will not use the Membership for any illegal or unauthorized purpose;
  • Your use of the Membership will not violate any applicable law or regulation.
 
  1. MEMBER PROHIBITED ACTIVITIES

You may not access or use the Membership for any purpose other than that for which we make the Membership available. The Membership may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a Member, you agree not to:

  • Systematically retrieve data or other content from our website or mobile application (the “Content”) to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us;
  • Make any unauthorized use of our website or mobile application, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses;
  • Use your Membership or our website or mobile application to advertise or offer to sell goods and services;
  • Circumvent, disable, or otherwise interfere with security-related features of our website or mobile application, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of our website or mobile application and/or the Content contained therein;
  • Engage in unauthorized framing of or linking to our website or mobile application;
  • Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords;
  • Make improper use of our support services or submit false reports of abuse or misconduct;
  • Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools;
  • Interfere with, disrupt, or create an undue burden on our website or mobile application or the networks or services connected to our website or mobile application;
  • Attempt to impersonate another user or person or use the username of another user;
  • Use any information obtained from your Membership or our website or mobile application in order to harass, abuse, or harm another person;
  • Use your Membership or our website or mobile application as part of any effort to compete with us or otherwise use your Membership or our website or mobile application and/or the Content for any revenue-generating endeavor or commercial enterprise;
  • Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of  our website or mobile application;
  • Attempt to bypass any measures of your Membership or our website or mobile application designed to prevent or restrict access to your Membership or our website or mobile application, or any portion of your Membership or our website or mobile application;
  • Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of your Membership or our website or mobile application to you;
  • Delete the copyright or other proprietary rights notice from any Content;
  • Copy or adapt our website or mobile application software, including but not limited to Flash, PHP, HTML, JavaScript, or other code;
  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of our website or mobile application;
  • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”);
  • Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses your Membership or our website or mobile application, or using or launching any unauthorized script or other software;
  • Disparage, tarnish, or otherwise harm, in our opinion, us and/or your Membership or our website or mobile application;
  • Use your Membership or our website or mobile application in a manner inconsistent with any applicable laws or regulations.
 
  1. LIMITATION OF LIABILITY 

EXCEPT WHERE PROHIBITED BY LAW, IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE MEMBERSHIP, EVEN IF SUCH LOSSES WERE FORESEEABLE AND REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

If, notwithstanding the other provisions of these Terms of Use, we are found to be liable to you for any damage or loss which arises out of or is in any way connected with your use of the Membership, our liability shall in no event exceed the greater of (1) the total of any subscription or similar fees, if any, with respect to any service or feature of the Membership paid in the six months prior to the date of the initial claim made against us, or (2) US $500.00.

Some jurisdictions do not allow limitations of liability, so some or all of the foregoing limitations may not apply to you.

 

  1. WARRANTY DISCLAIMER

EXCEPT FOR THE EXPRESS WARRANTIES CONTAINED IN THESE TERMS, OUR PRODUCTS AND SERVICES, INCLUDING ALL MATERIALS INCORPORATED THEREIN, ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE AND OUR DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AGENTS, REPRESENTATIVES AND AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCURACY, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. NOTE: CERTAIN APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. NO STATEMENT OF OURS OR ANY OF OUR DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AGENTS, REPRESENTATIVES AND AFFILIATES SHALL CREATE ANY WARRANTY OTHER THAN THOSE EXPRESSLY CONTAINED IN THESE TERMS. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

 

  1. DISPUTE RESOLUTION

PLEASE READ THIS SECTION CAREFULLY.  IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION.  THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE IN DISCOVERY; AND (4) APPEAL RIGHTS WILL BE LIMITED.

If a dispute arises between you and us, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly.  Accordingly, you and the Company agree that you and we will resolve any claim or controversy at law or equity that arises out of these Terms, the Website, or our products or services (a “Claim”) via binding arbitration.  The arbitration shall be administered by the San Francisco, California offices of JAMS and the arbitration shall be conducted under the Streamlined Arbitration Rules and Procedures of JAMS (“JAMS Rules”) that are in effect at the time the arbitration is initiated.  The JAMS Rules can be accessed at http://www.jamsadr.com/rules-streamlined-arbitration/.  In the event of a conflict between the terms set forth in this Section of the Agreement and the JAMS Rules, the terms in this Section of the Agreement will control.  The arbitrator must apply the same law and legal principles, consistent with the Federal Arbitration Act, which would apply in court, but may use different procedural rules. 

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted exclusively in the state and federal courts located in San Francisco County, California, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and inconvenient forum with respect to venue and jurisdiction in such state and federal courts.

YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION.  ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY OTHER USER OR PERSON NOT ON YOUR ACCOUNT.

The party who wants to arbitrate must notify the other party in writing.  This notice can be given after the beginning of a lawsuit or in papers filed in the lawsuit. Otherwise, your notice must be mailed to AKKO, 95 Third Street, 2nd Floor, San Francisco, CA 94103.

 

  1. GENERAL 

(a) AKKO may subcontract or assign performance of its obligations to third parties but shall not be relieved of its obligations to you in doing so. 

(b) AKKO is not responsible for any failures or delays in performing under the Membership that are due to events outside AKKO’s reasonable control. 

(c) You are not required to perform preventative maintenance on the Protected Equipment to receive service under the Membership. 

(d) This Membership is offered and valid only if you are a resident of the fifty states of the United States of America,the District of Columbia, any territories of the United States, and Canada. Persons who have not reached the age of majority may not purchase[AT25]  this Membership. This Membership may not be available in all jurisdictions, and is not available where prohibited by law.  

(e) In carrying out its obligations AKKO may, solely for the purposes of monitoring the quality of AKKO’s response, record part or all of the correspondence between you and AKKO. 

(f) You agree that any information or data disclosed to AKKO under this Membership is not confidential or proprietary to you.  Furthermore, you agree that AKKO may collect and process data on your behalf when it provides service.  This may include transferring your data to affiliated companies or service providers located in countries where data protection laws may be less comprehensive than your country of residence, including but not limited to the United States. 

(g) AKKO has security measures, which should protect your data against unauthorized access or disclosure as well as unlawful destruction.  You will be responsible for the instructions you give to AKKO regarding the processing of data, and AKKO will seek to comply with those instructions as reasonably necessary for the performance of the service and support obligations under the Membership. If you do not agree with the above or if you have questions regarding how your data may be impacted by being processed in this way, contact AKKO at the telephone numbers provided. 

(h) AKKO will protect your information in accordance with AKKO Customer Privacy Policy available at URL:  https://getakko.com/legal/ 

(i) The terms of the Membership, including the original proof of purchase of the Membership and the Membership Confirmation, prevail over any conflicting, additional, or other terms of any purchase order or other document, and constitute your and AKKO’s entire understanding with respect to the Membership.  

 (n) Except where prohibited by law, the laws of the State of California govern your Membership.

 

  1. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Site; (3) breach of these Terms and Conditions; (4) any breach of your representations and warranties set forth in these Terms and Conditions; (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Site with whom you connected via the Site.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

 

  1. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting our website or mobile application, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE.

You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

 

  1. MISCELLANEOUS

These Terms and any policies or operating rules posted by us on our website or provided to you constitute the entire agreement and understanding between you and us.  Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision.

These Terms operate to the fullest extent permissible by law.  We may assign any or all of our rights and obligations to others at any time.  We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control.

If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions.

There is no joint venture, partnership, employment or agency relationship, or fiduciary relationship created between you and us as a result of these Terms or use of the service.  You agree that these Terms will not be construed against us by virtue of having drafted them.

You hereby waive any and all defenses you may have based on the electronic form of these Terms and the lack of signing by the parties hereto to execute these Terms.

You accept that failure to have read or understood this Membership Agreement and other terms and conditions of protection, benefits, or use of AKKO’s website, app or platform, do not constitute an acceptable excuse to obtain protection of benefits if you have not complied with all terms.

AKKO Plan Reimbursement Agreement:

Reimbursement Amounts: Your reimbursement limits (indicated within your account settings) will range from $2,000 – $10,000 per incident of loss with no annual aggregate limits. The default plan for either Adult or Student is a $2,000 reimbursement limit per incident of loss. If you select to upgrade your reimbursement limit, you must do so by confirming in writing by emailing [email protected] and paying the appropriate increased membership fee costs.

Deductibles/Service Fees: For Adult Plans, the deductible for any claims of damage or theft on your items is $99. For a Student Plan, the deductible is $49 for any claim. Deductibles may vary for certain items such as phones, or extensions or add-ons to your AKKO Plan, which will be specified as applicable.

Reimbursement Plans:

– AKKO Plan – Plan A (All inclusive protection for 1 phone and up to 25 other items)

Additional Extensions – Only Available if you have an AKKO Plan (Plan A):

  • Second Phone protection
  • Phone – Extended Warranty 2 years
  • Tablet – Extended Warranty 2 years
  • Laptop – Extended Warranty 2 years
  • Laptop – Extended Warranty 3 years
  • TV – Extended warranty – 2 years
  • TV – Extended warranty – 3 years

AKKO PLAN - PLAN A: PROTECTION AND REIMBURSEMENT TERMS

AKKO will Reimburse you for losses resulting from the following:

  1. Accidental Damage: Drops, Liquid Spills and Liquid Submersion
  2. Mechanical failure and manufacture defect for phones
  3. Theft, Burglary, Robbery, vandalism, and car break-in (with signs of forced entry).
  4. Fire, Flood, Vandalism, Natural Disasters and Power Surge due to lightning

The following extension will only apply if a plan is selected separately and indicated in your account billing:  

  1.  Warranty Protection: Mechanical Failure and Manufacture Defect for devices besides phones

The maximum number of items protected within your AKKO Plan are 1 phone and 25 other items.

Reimbursement for the following items are restricted as follows;

  1. Reimbursement for jewelry, watches, rings, and other items consisting of gold, silver, or platinum or furs is limited to $1,000.00 for any one incident of loss.
  2. Reimbursement for bicycles is limited to $1,000.
  3. Property in a personally owned automobile is protected, provided that the vehicle was locked and windows are fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.
  4. Surfboards are protected for theft and damage due to mishandling on airlines, accidental damage from non-airline transportation or use/handling not included.
  5. Appliances: only counter-top appliances such as blenders, coffee makers, toasters, or microwaves are protected. Appliances which are wall mounted or integrated into cabinetry or have any types of utility hookups such as gas or water are not covered.

EXCLUSIONS

Your AKKO Plan will not provide reimbursement for the following:

Automobile, motorcycle, boat, motor, aircraft or aircraft parts or any type of motorized land vehicle or other conveyances or their accessories (including car stereos, GPS navigation devices, keyless entry), money in currency or coin, evidences of debt, letters of credit, passport documents, notes, securities, transportation tickets or any other tickets, pharmaceuticals, prescription or over- the- counter, artwork, professional or amateur, antiques or collectables, animals, firearms or ammunition, salesman samples, contact lenses, keys, artificial teeth or limbs, or merchandise for sale, forms of identification, including student ID’s and driver’s licenses.

EXTENSIONS:

The following extensions are only available if an AKKO Plan (as designated) has been purchased is listed as part of your plan in your account billing.

SECOND PHONE (available only as add-on to an AKKO Plan)

AKKO shall provide reimbursement for a second phone used for work, travel or backup providing this is owned and used by the same individual as defined in Plan A. You cannot use this add-on to protect another individual’s phone, or a phone that is predominantly used by another individual (such as a friend, spouse, child, other relative, co-worker, partner, or employee).

AKKO will reimburse you for losses resulting from the following:

  1. Accidental Damage: Drops, Liquid Spills and Liquid Submersion

  2. Mechanical failure and manufacture defect

  3. Theft, Burglary, Robbery, vandalism, and car break-in (with signs of forced entry).

  4. Fire, Flood, Vandalism, Natural Disasters and Power Surge due to lightning

2 YEAR EXTENDED WARRANTY – PHONE (available only as add-on to an AKKO Plan, including for a Second Phone)

AKKO will Reimburse you for losses resulting from Mechanical & Electrical Breakdown up to the maximum value of the purchase price of the device.  

CONDITIONS

The protection provided expires 24 months from the purchase date of the phone. This plan must be added within 45 days of the date of purchase. Only available for brand new devices, no refurbished devices are eligible, including refurbished by the original manufacturer or open-box items.

EXCLUSIONS

Natural battery degradation from use. Any malfunctions or defects deemed to be included in publicized news and announcements, or a manufacturer announced recall.

Excludes the coverage already applicable and provided under any Manufacturer’s or Retailer’s Warranty or purchased extended warranty or extended warranty benefits provided by a credit card or other membership/rewards program. 

2 YEAR EXTENDED WARRANTY – TABLET (available only as add-on to an AKKO Plan)

AKKO will Reimburse you for losses resulting from Mechanical & Electrical Breakdown up to the maximum value of the purchase price of the device.

CONDITIONS

The protection provided expires 24 months from the purchase date of the tablet. This plan must be added within 45 days of the date of purchase. Only available for brand new devices, no refurbished devices are eligible, including refurbished by the original manufacturer or open-box items.

EXCLUSIONS

Natural battery degradation from use. Any malfunctions or defects deemed to be included in publicized news and announcements, or a manufacturer announced recall.

Excludes the coverage already applicable and provided under any Manufacturer’s or Retailer’s Warranty or purchased extended warranty or extended warranty benefits provided by a credit card or other membership/rewards program. 

2 YEAR EXTENDED WARRANTY – LAPTOP (available only as add-on to an AKKO Plan)

AKKO will Reimburse you for losses resulting from Mechanical & Electrical Breakdown up to maximum value of the purchase price of the device.

CONDITIONS

The protection provided expires 24 months from the purchase date of the laptop. This plan must be added within 45 days of the date of purchase. Only available for brand new devices, no refurbished devices are eligible, including refurbished by the original manufacturer or open-box items.

EXCLUSIONS

Natural battery degradation from use. Any malfunctions or defects deemed to be included in publicized news and announcements, or a manufacturer announced recall.

Excludes the coverage already applicable and provided under any Manufacturer’s or Retailer’s Warranty or purchased extended warranty or extended warranty benefits provided by a credit card or other membership/rewards program. 

3 YEAR EXTENDED WARRANTY – LAPTOP (available only as add-on to an AKKO Plan)

AKKO will Reimburse you for losses resulting from Mechanical & Electrical Breakdown up to maximum value of the purchase price of the device.

CONDITIONS

The protection provided expires 36 months from the purchase date of the laptop. This plan must be added within 45 days of the date of purchase. Only available for brand new devices, no refurbished devices are eligible, including refurbished by the original manufacturer or open-box items.

EXCLUSIONS

Natural battery degradation from use. Any malfunctions or defects deemed to be included in publicized news and announcements, or a manufacturer announced recall.

Excludes the coverage already applicable and provided under any Manufacturer’s or Retailer’s Warranty or purchased extended warranty or extended warranty benefits provided by a credit card or other membership/rewards program. 

TV EXTENDED WARRANTY – 2 or 3 years – (available only as add-on to Plan A)

AKKO will Reimburse you for losses resulting from Mechanical & Electrical Breakdown up to maximum value of the purchase price of the device.

CONDITIONS

The protection provided expires either 24 or 36 months from the purchase date of the TV. This plan must be added within 45 days of the date of purchase. Only available for brand new devices, no refurbished devices are eligible, including refurbished by the original manufacturer or open-box items.

EXCLUSIONS

Any malfunctions or defects deemed to be included in publicized news and announcements, or a manufacturer announced recall.

Excludes the coverage already applicable and provided under any Manufacturer’s or Retailer’s Warranty or purchased extended warranty or extended warranty benefits provided by a credit card or other membership/rewards program. 

Note:

From this section through the end is the same for any type of protection you select to include with your plan. It applies no matter what type of property you want to protect.

DEFINITIONS & CONDITIONS

CORROSION & RUST: We will not reimburse loss or damage caused by or resulting from corrosion, rust or changes in humidity or temperature.

COSMETIC DAMAGE: We will not reimburse loss for Cosmetic damage. Cosmetic damage means damage or changes to physical appearance of your property that does not impede or hinder the normal operational function of the scheduled property such as scratches, abrasions, change in color, texture, or finish.

DISHONEST ACTS: We will not reimburse loss or damage caused by your dishonesty or anyone acting for you. Nor do we reimburse any loss or damage arising from your illegal acts whether committed alone or in collusion with others.

However, if the loss is caused by an act arising out of a pattern of criminal domestic violence and the perpetrator of the loss is criminally prosecuted for the act causing the loss, this exclusion does not apply to an otherwise eligible loss suffered by another member who did not cooperate in or contribute to the act that caused the loss.

ENTRUSTED: Assigning the responsibility of the eligible item to someone other than the primary member.

ELECTRICAL BREAKDOWN: We will not reimburse loss or damage to electrical equipment caused by electricity other than lightning. If a fire results, we will pay for the loss or damage caused by the fire (Unless an Extended Warranty Protection is selected for a particular device).

INTENTIONAL ACTS: We will not reimburse loss or damage caused by your intentional damage or destruction of your property under this Agreement.

LOSS(ES): Any one incident in which one or more items of personal property is damaged, destroyed, or stolen.

MECHANICAL BREAKDOWN: We will not reimburse loss or damage caused by mechanical breakdown or system failure if not caused by accidental damage. If a fire or explosion ensues, we will pay for that loss or damage (Unless an Extended Warranty Protection is selected for a particular device). Phones are excluded and covered against mechanical breakdown.

NUCLEAR HAZARD: We will not reimburse loss or damage caused directly or indirectly by nuclear reaction, nuclear radiation, or radioactive contamination. Loss caused by nuclear hazard is not considered loss caused by fire, explosion, smoke or any other eligible peril. Direct loss by fire resulting from the nuclear hazard is eligible for reimbursement.

THEFT FROM AN UNATTENDED VEHICLE: We will not reimburse loss or damage that is caused by or resulting from theft from an unattended vehicle except when it is securely locked, its windows are fully closed, and there is visible evidence that entry into the vehicle was forced.

PHONE THEFT: For the theft of a phone to be eligible for reimbursement, you must be able to share your google location timeline to prove the last known location of the device prior to it being stolen. If you do not have the Google Maps mobile application installed on your device, you must do so in order for theft of the phone to be protected, or have a similar device tracking software/tool which is capable of displaying the last known location of a device with a timeline/history. A mobile app or tool such as iPhone’s “Find My” is not sufficient enough as it can only prove the present location of a device and cannot display a timeline/history of its location. If you have any questions regarding theft of phones or need assistance setting up a proper mobile app or tool, please contact us.

PROOF OF OWNERSHIP: Records, such as sales receipts to prove ownership of the item(s) being claimed.

POWER SURGE: We will not reimburse Loss or damage to electronic equipment caused by electricity other than lightning.

REPLACEMENT COST: The amount that an entity would have to pay, at the present time, to replace the eligible protected asset.

UNEXPLAINED LOSS OR MYSTERIOUS DISAPPEARANCE: We will not reimburse loss or damage where the only proof of loss is unexplained or is caused by the disappearance of property without the knowledge as to place, time or manner of its loss. If your property was stolen, you are required to notify the local police immediately upon discovery. This Agreement does not provide protection if you fail to notify the police. 

WAR-GOVERNMENT SEIZURE: We will not reimburse loss or damage caused directly or indirectly by: War (including undeclared war or civil war); or a warlike action by a military force; or invasion, insurrection, rebellion, revolution, or unlawful seizure of power including action taken by governmental authority to prevent or defend against any of these. We will not reimburse your for losses to your property if it is seized or destroyed under quarantine or Customs regulations, or confiscated by any government or public authority.

WEAR & TEAR: We will not reimburse loss or damage caused by or resulting from wear and tear, gradual deterioration, insect or vermin. Wear and Tear means the reduction in value to the Protected Product stemming from routine use and exposure.

DEDUCTIBLE: Your deductible applies first to each loss. Then AKKO will pay any amount over this deductible up to the limit of protection for your selected plan. Your deductible amount for your plan is indicated with the plan information.

INSURABLE INTEREST: AKKO will not reimburse more than your insurable interest in any property. Therefore, the limit of protection must represent the replacement cost value of the property you are insuring.

LIMIT OF PROTECTION: The limit of protection for your selected plan as shown in your account, applies to all losses arising from any one event. Any amount AKKO reimburses you will not reduce your protection for future losses.

AGREEMENT PERIOD: Period for which your plan is in force as stated in your account. A loss must occur within this period to be reimbursed.

AGREEMENT TERRITORY: This agreement protects your eligible property against direct physical loss or damage worldwide. In return for your membership fees, we will provide the protection stated in this Agreement for the Reimbursement Limits of protection as selected and shown in your account.

LOSSES WE WILL NOT REIMBURSE: Corrosion & Rust, Cosmetic Damage, Dishonest Acts, Intentional Acts, Nuclear Hazard, Power Surge (except lightning), Theft From An Unattended Vehicle, Unexplained Loss or Mysterious Disappearance, War-Government Seizure and Wear And Tear. Manufacture Defects and Mechanical Breakdown losses are covered for phones but will not be reimbursed for other devices and personal items unless applicable plan extensions have been purchased and added to your primary AKKO plan. 

PROPERTY WE WILL NOT PROTECT: This Agreement does not reimburse for losses to video games, DVD’s, CD’s, MP3 files, ring tones, contact lists, video screen savers, applications, programs, pictures, video files, audio files and data, and merchandise for sale.

GENERAL TERMS AND CONDITIONS

These are the terms which apply to the protection you are provided by your AKKO Plan. 

PROTECTION BEGINS: Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created. Your protection ceases at 12:01 a.m. on the expiration date of your plan. Waiting period: there is a waiting period of up to 30 days for accidental damages or theft to be eligible for reimbursement from your plan. In situations where ample photo/video evidence is available when reviewing your reported loss and claim, this waiting period may be waived for losses from accidental damages.

  • As a condition of reimbursement, you shall be current on all due AKKO membership fees.

  • AKKO agrees, subject to the actual receipt of your membership fees by AKKO, to indemnify you in accordance with the terms, conditions, limitations and exclusions of the risks as defined in the Declaration Pages.

PROTECTION ELIGIBILITY: Items are only eligible for protection and reimbursement in the event of a loss if they were inventoried in your account according to all outlined rules and procedures laid forth by AKKO and have no existing damages or defects. Your plan will only protect your items. All plans are per individual and may not be used to share protection with others for their items. If we suspect items added to your plan are not yours, or are not predominantly used by you, we may remove them from your plan and they will not be eligible for protection.

What does this mean?
Your personal property is not protected unless you’ve added all items to your AKKO account and follow all instructions in regards to providing necessary pictures or receipts. If you ever have difficulty with providing the proper information for your stuff, or uploading it to your account, just reach out to our team so we can help by emailing [email protected] or using our online chat. Not adding your items to your AKKO account because you forgot, or had difficulty doing so, or faced any glitches or errors with our app or website are not a valid excuse! We will inform you on other ways to provide the information needed for your items so they will be protected if needed. But if you do not add your items to your account with all requested information and photos, or provide them to our team through another instructed means, your items would not be protected. Which would really suck! We also aren’t able to provide such great valued protection with our plans if you are adding items that belong to you and others on your account. Each plan is per individual. We realize that may be hard to discern for families, so please be fair to other members and purchase additional plans for your family members if the items you intend to protect are being used by others in your household or family. A good rule of thumb would be a 50% rule. If someone in your household/family uses an item at least 50% of the time, it needs to be added to their own plan. 

ABANDONMENT: There will be no abandonment to us of any property.

What does this mean?
If items of your are damaged and need to be repaired or replaced, you may not simply send them to AKKO if we do not request them, or leave them with a repair partner of AKKO if you were not instructed to do so. In other words, if your broken items are junk, you need to take care of it unless instructed or offered otherwise!

APPRAISAL: If you and AKKO do not agree on the amount of the loss or the value of your property, either party may demand that these amounts be determined by appraisal.

If either makes a written demand for appraisal, each will select a competent, independent appraiser and notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers will then select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or AKKO can ask a judge of a court of record in the state or province where the property is located to select an umpire.

The appraisers will then determine and state separately the amount of each loss.

The appraisers will also determine the value of your property items at the time of the loss, if requested.

If the appraisers submit a written report of any agreement to us, the amount agreed upon will be the amount of the loss. If the appraisers fail to agree within a reasonable time, they will submit only their differences to the umpire. Written agreement so itemized and signed by any two of these three, sets the amount of the loss.

Each appraiser will be paid by the party selecting that appraiser. Other expenses of the appraisal and the compensation of the umpire will be paid equally by you and us.

What does this mean?
Very rarely do claims arise where there is a disagreement of the value of your damaged/stolen property. But if you feel the reimbursement amount determined for your claim is incorrect, we will work with you and go through this appraisal process to figure out the proper value you should be reimbursed for your loss. Typically this would only apply for a more expensive, rare, or no longer commercially available which is not considered an antique or collectible (which are not protected with an AKKO Plan).

ASSIGNMENT: Your protection may not be assigned to any other individual other than yourself without AKKO’s written consent.

What does this mean?
You can’t change the person protected by the plan you registered for. If you do need to change the primary person on your plan, just reach out to [email protected]

BENEFIT TO OTHERS: Protection under your plan will not directly or indirectly benefit anyone having custody of your property.

CANCELLATION:

  • You may cancel your plan by advance written notice of cancellation to AKKO. Simply email [email protected] to initiate cancelling your plan. You will be refunded any owed balances based upon your membership fees paid, any fees/penalties owed, and any reimbursements already made from your plan.

  • AKKO may cancel your plan by delivering to you a written   notice   of   cancellation   specifying   the   Effective   Date   of Cancellation per the guidelines listed below on grounds for cancellation.

CANCELLATION FEE:

Should any member file a fraudulent claim or provide dishonest or false information about themselves, or their property uploaded to their account, AKKO may cancel the member’s plan and delete their account as well as charge a $35 membership cancellation fee at their discretion. Examples of fraudulence and breaking the terms and conditions of use of the AKKO Platform and an AKKO membership plan may include but is not limited to: adding falsified images or misrepresented images of a user’s property or personal items, false or misrepresented descriptions or accounts of a claim or incident of loss (damage or theft), a user’s place of residence, identity, or origin, and false statements made about a user’s correspondence with any AKKO company representative or the user’s interactions and material witnessed on the AKKO website or platform (found at getAKKO.com and app.getAKKO.com or in the AKKO mobile app on Android or iOS).  AKKO imposes this cancellation fee penalty to dissuade fraudulent activity and keep a positive and safe community of users. Fraudulence committed through the AKKO platform and against AKKO’s partners contributes to threatening the affordable rates other AKKO members are able to pay for membership and protection.

 

MISREPRESENTATION, CONCEALMENT OR FRAUD: 

Your membership will not provide protection if you mislead AKKO, willfully conceal information, misrepresent any material information or attempt to defraud AKKO, or lie to AKKO about any matter concerning your plan and its provided protection, either before or after a loss.

Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against AKKKO for the sake of collecting reimbursement for losses is therefore committing a fraud which is a serious and punishable crime and will result in cancellation of your plan and protection, denial of any claim for a loss, and potential legal action. Unintentional errors or oversights will not affect your eligibility for reimbursement under your protection. AKKO has the full right to verify any information or material you present pertaining to your provided protection or any claim. Failure to comply with providing verification of any information you have presented to AKKO will lead to a denial of protection.

What does this mean?
We take fraud seriously! Your plan will be cancelled and you will be banned from AKKO if you attempt to lie or provide false information or evidence with any claim. Fraudulence makes getting protection for your property more expensive for all other customers, and is also a serious crime. Don’t do it! AKKO is always happy to refer a customer that faces a loss which won’t be protected by their plan to a partner that can still try to help out. But lying to us about an incident to try and get reimbursement for it will result in a $35 membership cancellation fee and blacklisting.

NONRENEWAL: 

AKKO may elect not to renew your plan by delivering notice of nonrenewal, stating the reasons for nonrenewal. AKKO will deliver these notices at least thirty (30) days before the:

  1. Expiration of your plan term; or

  2. Anniversary date of your membership if your membership term has been written for a period of more than one (1) year.

Otherwise, AKKO will renew your membership and plan(s) unless:

  1. You fail to pay the renewal amount after AKKO has expressed their willingness to renew, including a statement of the renewal amount, to you and to your agent, at least twenty (20) days before the expiration date;

  2. Fraud or material misrepresentation made by you or with your knowledge in obtaining protection, or in presenting a claim under your plan;

  3. Any member violating any of the terms and conditions of their plan;

  4. The risk originally accepted has substantially increased;

What does this mean?
It means that customers who abuse their plan or commit any dishonest acts or fraud may be dropped from their plan. Any due refunds would be issued to you, and your plan and protection would end. If you cease paying for your plan, your plan can also be cancelled. But  as long as you communicate with our team on when you’ll be making payment or becoming current, we don’t cancel a plan without ample notice.

PAIRS, SETS OR PARTS

If your loss involves pairs, sets or parts, AKKO may elect to repair or replace any part or restore the pair or sets to its value before the loss. Or, AKKO may elect to pay the difference in the value of the property before and after the loss.

What does this mean?
This typically applies to few incidents… but let’s say you have a pair of speakers in your home. If one of them fell over and was damaged, you would be reimbursed the cost to purchase another single speaker to complete the pair/set (as long as the speakers are able to be purchased individually). This wouldn’t apply for something like earbuds/headphones where you’re not able to purchase just 1 at a time! So you’d likely be reimbursed for purchasing a new pair.

PROTECTION CHANGES: 

Protection and reimbursement limit changes can only be made by a confirmed written notice of modification or upgrade. Nothing else, including notice to our agents not via confirmed written notice, will change your plan or alter any of its terms.

What does this mean?
If you want to upgrade or change your reimbursement limits and protection, you just need to email us at [email protected] This way all confirmations of changes are in writing.

SALVAGE AND RECOVERIES:

If AKKO pays you for the cost to replace your property or pays your plan’s reimbursement limit, AKKO retains all salvage rights for remaining parts and/or recovered property. If any salvaged property is not sent to AKKO or one of its designated repair/disposal partners after 30 days from the date a replacement is received by you or reimbursement is paid to you for replacing any claimed property, your account may be billed or sent to collections. The amount you may owe if you do not send your property to AKKO will be equal to the fair market value of your damaged item(s) in refurbished condition.

What does this mean?
It means that if a piece of your property is deemed too damaged to be repaired, then if AKKO pays you for the cost of replacement, AKKO is entitled to receive the remains of your damaged property. Unless otherwise instructed.

CHOICE OF LAW: 

Your plan, the rights and obligations of the parties, and any claims arising out of or relating to your plan shall be governed by and construed exclusively in accordance with the substantive and procedural laws of California.

SUBROGATION: 

Any claimant under your plan shall at the request and at the expense of AKKO do and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by AKKO for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which AKKO shall be or would become entitled or subrogated upon their paying for or making good any loss under your plan whether such acts and things shall be or become necessary or required before or after the claimant’s indemnification by AKKO.

What does this mean?
It means that if someone else were to be responsible for damage happening to your property, AKKO reimbursing you for the expense would grant AKKO the full rights to collect reimbursement/damages from the party responsible. You would not be able to both make a claim and have AKKO reimburse you for a loss, as well as have another party that was responsible for the loss pay you. (aka, no double-dipping!)

IF WE DISAGREE: 

If we do not agree on the amount of your Loss, the following procedure will be used:

  1. When arbitration has been requested by one party, both parties will mutually consent to the arbitration proceedings.

  2. One of us will make a written request for arbitration, which is the process by which we will settle our disagreement.

  3. Each of us will select an appraiser and decide upon a time and place for the appraisal.

  4. The appraisers will select an impartial umpire. If they can’t agree on an umpire within fifteen (15) days, a judge where the appraisal is to be made will be asked to select the umpire.

  5. The appraisers will each figure the Loss according to the terms of the Agreement. If they do not agree, they will submit their figures to the umpire. An agreement among 2 of the 3 will decide the amount of the Loss. You will pay your appraiser, and we will pay ours. We will equally divide the cost of the umpire. The appraisers and umpire cannot deny us any rights we have under this Agreement.

SUIT AGAINST US: 

No action can be brought against AKKO unless there has been full compliance with all the terms and conditions of this Agreement.

No suit, action or proceeding against AKKO for the recovery of any claim under this Agreement shall be sustainable in any court of law or equity by a claimant of you.  The liability of AKKO under this Agreement shall be limited to reimbursement directly to you for claims sustained under the protection provided herein.

PUNITIVE EXEMPLARY OR CONSEQUENTIAL DAMAGES

Your plan specifically excludes responsibility of AKKO for payment of:

  • Punitive or exemplary damages, legal fees, and penalties or fines for any reason;

  • Damages for breach of any implied or express warranty or service contract for any reason; or

  • Damages as a consequence of an eligible claim.

EXCLUSIONS:

Your plan shall not provide reimbursement for damages due to personal injury, or to any defect in material or workmanship which is obvious, or of which you may reasonably be expected to have knowledge, existing at the time of the sale.

Notwithstanding anything to the contrary contained herein, your plan or any endorsements, amendments, or attachments thereto, shall not reimburse loss or damage directly or indirectly occasioned by, happening through or in consequence of:

  • War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power; or any weapon or mechanism of peace employing atomic nuclear reaction, radiation, radioactive, biological, chemical, or radioactive agents, or contamination, whether in time of peace or war; or

  • Confiscation or nationalization, seizure, or appropriation  by or under the order of any government or public or local authority in response to war.

TYPE OF PROTECTION

The protection afforded by this Agreement does not serve as any form of primary coverage or insurance when you have protection or insurance coverage applicable to the loss protected herein. In such circumstances, the amount of AKKO’s liability under this Agreement shall be reduced by the amount of such other form of coverage. The amount you may be reimbursed for under this Agreement or any other policies providing coverage should not exceed the total loss by you.

CONTRACTUAL VALIDITY

If any provision of this Agreement, or the application thereof to any entity or circumstance, shall to any extent be held invalid or unenforceable by a court of competent jurisdiction, such invalidity shall, if possible, be amended to conform to the applicable law.

In the event such amendment is not possible, the invalidity of any provision of this Agreement shall not affect any other provision of this Agreement, or the application thereof, which can be given effect without the invalid provision, or application thereof, and to this end the provisions of this Agreement are severable.

JURISDICTION

AKKO and you each irrevocably agree that this Agreement is subject to a binding arbitration. 

Only to the extent the foregoing agreement to arbitrate does not apply to a dispute, the courts of California shall have exclusive jurisdiction to settle any dispute or controversy of whatsoever nature arising out of or relating to this Agreement and  that  accordingly any suit, action or  proceeding (collectively “Proceeding”) arising out of or relating to such matters shall be brought in such courts, and to this end, each party hereto irrevocably agrees to submit to the jurisdiction of the courts of California and irrevocably waives any objection which it may have now or hereafter to (a) any Proceedings being brought in any such court and (b) any claim that any such Proceedings have been brought in an inconvenient forum and further irrevocably agrees that a judgment in any Proceedings brought in California Courts shall be conclusive and binding upon each party and may be enforced in the courts of any other jurisdiction.

The choice of law and jurisdiction provided herein shall continue in full force and effect in respect of any dispute and controversy of whatsoever nature arising out of or relating to any of the matters referred to in the Agreement notwithstanding that you ceases for any reason to underwrite protection with AKKO.

NOTICE

Notice of any loss or claim shall be given in writing to AKKO filed through your AKKO account via the web (https://app.getAKKO.com) or mobile application.

This Agreement shall not be binding upon AKKO unless you have paid the initial fees required by AKKO and received initial confirmation email of your plan beginning as well as followed all instructions and procedures laid forth for having your items be eligible for reimbursement of losses.

AKKO PLAN UPGRADE TERMS AND ACCEPTANCE:
If you had initially signed up for an AKKO Plan prior to November 3, 2020, and decide to upgrade your plan to the version which became standard for new members from November 3, 2020 and later, you accept and understand that from the date of your confirmation with an AKKO representative by email or chat to upgrade and forward, your plan includes all protection benefits stated above on this page and in accordance with all terms and conditions stated here. You also accept that a cancellation notice for your coverage through NSSI will be sent from AKKO to NSSI on your behalf to terminate your policy with them dated to the date of your confirmation to upgrade your AKKO Plan. You will have no lapse in protection for your property and there will be no changes to your billing. You may review all changes in how items are protected and what items are protected as well as other benefits by reviewing both sets of terms and sample NSSI policy documents provided here: https://getakko.com/legal

The primary improvements to your protection are:
1. Options to add warranty protection add-on extensions to your AKKO Plan to protect against mechanical/electrical malfunctions as outlined above. To add any of these protection extensions to your AKKO Plan, you may email [email protected] or message us via online chat.

2. Same-day repair options and faster claims processes.

3. Electronic reimbursements for repairs/replacements (via paypal, venmo, zelle, or wire) vs. mailed paper checks.

If you have any questions, before confirming to upgrade your AKKO Plan, simply email us at [email protected] or message us via our online chat. 

Choose Plan:

(billed $120/yr)

(billed $168/yr)

Bundle Multiple AKKO Plans:

To sign-up for Student Plans, you can be any type of student, from middle school to high school, including incoming college student, current college student, or recent graduate. Students at any 2yr, 4yr, or graduate school are all eligible as well. Any age.

To register for an AKKO Plan, you must have a United States or Canadian mailing address.

Choose Plan:

Bundle Multiple AKKO Plans:

To sign-up for Student Plans, you can be any type of student, from middle school to high school, including incoming college student, current college student, or recent graduate. Students at any 2yr, 4yr, or graduate school are all eligible as well. Any age.

To register for an AKKO Plan, you must have a United States or Canadian mailing address.

Before you go...

Why not try out one of our plans RISK FREE for 30 days?

Add your Phone + ANY 25 items you own and get protection against Damage and Theft for Only $1 !

If you want to cancel, there's no fees or hassle.

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1st Month ONLY $1.00 with Code: SAVE 
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Choose Plan:

Use Discount Code: NOFEE at Checkout for FREE Activation!

Use Discount Code: NOFEE at Checkout
for FREE Activation!

To sign-up for Student Plans, you can be any type of student, from middle school to high school, including incoming college student, current college student, or recent graduate. Students at any 2yr, 4yr, or graduate school are all eligible as well. Any age.

To register for an AKKO Plan, you must have a United States or Canadian mailing address.