This is a sample set of the Protection Plan terms and conditions your plan will be subject to. Based upon your selected plan, the items covered, coverages provided, deductibles, limits, and price will be different. All other terms will apply to the terms of your coverage.
Plan Confirmation
Verification Required: This Protection Plan requires verification of Your Protected Equipment prior to coverage starting for the Protected Equipment. Your Protected Equipment must be in proper working condition prior to coverage starting for the Protected Equipment. To obtain verification, please login to Your account either through getAKKO.com or through Your mobile application and follow the provided instructions.
Protection Plan #: XXXXXXXX
Protection Plan Purchase Date: The date of your first purchase transaction as indicated under “Billing” in your account.
Protection Period: Monthly or Annual, as indicated under “Billing” in your account.
Protection Period Start Date: The date of your first purchase transaction as indicated under “Billing” in your account.
Protection Period End Date: 1 Month or 1 Year from your start date, depending on your selection of Monthly or Annual plan. All plans auto-renew.
Total Protection Plan Price: Amount indicated under “Billing” in your account.
Payment Amount / Term: Equal to the Total Protection Plan Price billed every Month or Year based upon your plan interval.
Wait Period for Protection Plan: 30 Days
Wait Period for Newly Verified Protected Equipment: 0
Quantity: 1
Plan: <Sample Plan Name>
Protected Equipment:
Protected Equipment Categories & Equipment Types:
Mobile Phones:
Mobile Phone
Home Office:
Desktops, laptops, tablets, home routers, external hard drives, printers, multifunction printers
Home Entertainment:
LCD, Plasma, or LED televisions, DVD players, Blue-Ray players, portable DVD players, home theater systems, sound bars, speakers (including Bluetooth and Wi-Fi enabled speakers), amplifiers, subwoofers, tuners, audio/video streaming devices, audio headsets, virtual reality headsets
Smart Products:
Smart device hubs, smart light dimmers, smart thermostats, smart smoke detectors, smart door locks, smart home security cameras, smart video doorbells, smart carbon monoxide detector. NOTE: all “Smart” products must utilize one of the following home networking solutions to be eligible for this Plan: enabled Wi-Fi, ZigBee, Insteon, or Thread Group
Personal Wearables:
Health and fitness bands, smart watches
Gaming Systems:
Gaming consoles, gaming system accessories, gaming headsets, gaming monitors peripherals, VR equipment
Non-Electronic Personal Items:
All non-electronic personal items such as jewelry, and sports equipment
Photography & Video Equipment:
Cameras, lenses, accessories, tripods, gimbals
Audio & Music Gear:
Speakers, electronic music instruments, DJ equipment, headphones, musical instruments
Personal Transportation (Non-Motorized):
Bikes, Scooters, skateboards, unicycles
Sports & Recreational Gear:
Skis, snowboards, surfboards, golf clubs, tennis rackets, camping/climbing equipment
Clothing & Accessories:
Clothes, jackets, shoes, sunglasses, watches, jewelry
Appliances (only counter-top):
Blenders, coffee makers, microwaves, juicers
Handheld/Portable Power Tools:
Handheld drills, circular saws, jigsaws, sanders, routers, etc.
School Supplies:
Textbooks, backpacks, calculators
Claim Limit:
XXXXXXX
Protection Plan Limit:
XXXXXXX
Service Fee:
$XXX
Coverage(s):
Mechanical and Electrical
Full Accidental Damage
Screen Breakage
Liquid Damage
Plan and Product Specific Limitations:
<Sample Coverage Terms>
The Obligor of this Protection Plan, or as otherwise shown in the State Specific Provisions, is Universal Underwriters Service Corporation, located at 7045 College Boulevard, Overland Park, KS 66211, (800) 515-5988.
The Insurer of this plan is Universal Underwriters Insurance Company, located at 7045 College Boulevard, Overland Park, KS 66211, (800) 515-5988.
The Administrator of this plan is AKKO, LLC, located at 95 Third Street, 2nd Floor, San Francisco, CA 94103.
For Service:
Go To getAKKO.com Call: (888) 530-AKKO – (888) 530-2556
THIS PROTECTION PLAN WILL AUTOMATICALLY RENEW IN ACCORDANCE WITH THE TERMS BELOW. YOU AUTHORIZE US TO CHARGE YOUR DESIGNATED PAYMENT METHOD EACH PROTECTION PERIOD UNTIL THIS PROTECTION PLAN IS CANCELED OR NON-RENEWED.
CA RESIDENTS: THE AFFIRMATIVE CONSENT OF THE CONTRACT HOLDER TO THIS PROVISION HAS BEEN OBTAINED AT THE TIME OF SIGNING. PROOF OF THIS CONSENT IS ON FILE WITH THE ADMINISTRATOR. SHOULD YOU WISH TO CANCEL THIS CONTRACT, PLEASE SEE THE CALIFORNIA RESIDENTS’ SECTION FOR YOUR CANCELATION METHODS.
Overview. Coverage includes only the items stated as covered, excluding all others and is subject to the limitations, exclusions and provisions stated in this Protection Plan. For Your specific coverage and selections see Your Confirmation which is incorporated into this Protection Plan by reference. Please read Your Protection Plan carefully.
Definitions.
“Portable Electronic Device” means as any device which requires either an internal or external battery to operate.
“Protected Equipment” means Your equipment listed on Your Confirmation, subject to the Plan’s limitations found in these terms and conditions and Your Order Confirmation, at the time of Your purchase of this Protection Plan or the equipment You have added as verified on Your account after Your purchase, if verification is required.
“Protected Equipment Category” means the types of Protected Equipment indicated herein that are available for coverage(s). Please see Your Order Confirmation to see if You have selected a Plan with a Protected Equipment Category.
“Protection Period” means the duration of this Protection Plan as identified on the Confirmation.
“Protection Period End Date” means the date that Your Protection Period ends, as listed on the Confirmation, subject to renewal or earlier termination or cancellation pursuant to the terms of this Protection Plan.
“Protection Plan Purchase Date” means the date You purchased this Protection Plan.
“Protection Period Start Date” means the date that Your Protection Period begins, subject to any applicable waiting period as identified on Your Confirmation.
“Protection Plan” means this service contract between You and Us, including the Confirmation.
“Our,” “We,” “Us,” or “Company” means is Universal Underwriters Service Corporation, or as otherwise shown in the State Specific Provisions.
“Purchase Receipt” means any receipt You received when purchased from a Seller.
“Seller” means the person You purchased this Protection Plan from, as indicated on Your Order Confirmation.
“You,” and “Your,” mean the contract holder whose name appears on the Confirmation.
Verifying Eligibility of Your Protected Equipment. Following enrollment, You may be required to use AKKO’s platform to upload to Your Account Your Protected Equipment’s information including, but not limited to: make, model, International Mobile Equipment Identification number, serial numbers, purchase information, as well as pictures of their items and copies of Your receipts. Review Your Confirmation to determine if You must verify eligibility for Your Protected Equipment.
Portable electronic devices and TVs you add to your AKKO account must have been purchased “new” by you either within the 120 days prior to your registration, or anytime after you registered your plan to be eligible for Mechanical and Electrical Coverage. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.
Receiving Service. To receive service or support under the Protection Plan, You agree to comply with the following:
Placing a Claim. Place Your claim either by logging into Your account via AKKO’s website or mobile application and filing a request for Service under the “claims” section. You may be asked to provide an explanation of the incident. Keep Your Confirmation document and the original sales receipt for Your Protected Equipment. You may be required to provide the cell phone number associated with Your account to confirm eligibility. We may not reimburse You if You obtain Service without Our approval.
Maintain Possession. Keep in Your possession the Protected Equipment for the duration of the claim until You have received explicit consent from AKKO’s representatives to release it to a designated facility.
Repair and Replacement. At Our discretion, We will either: repair Your Protected Equipment using new, refurbished, or reconditioned parts or; replace Your Protected Equipment with a new, reconditioned or rebuilt product of like kind, quality and functionality; Provide reimbursement for Your repairs at an authorized repair servicer; or Provide a cash settlement reflecting the replacement cost of a newly purchased product of equal features and functionality up to the Coverage Amount. Replacement or cash settlement requires You to turn over ownership of the Protected Equipment to AKKO.
Protect Your Data. 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 replacement device.
When Your Coverage Begins and Ends. Your Protection Period Start Date is specified on Your Confirmation. Your Protection Period will terminate on your Protection Period End Date on Your Confirmation.
Maximum Protection Period. After any existing warranty expires covering mechanical/electrical failures for your eligible devices, the maximum period for which You will be provided mechanical/electrical coverage for any non-phone eligible Portable Electronic Device or TV will be the remainder of the 36-month period that began on the date of purchase of the eligible Portable Electronic Device or TV.
Automatic Renewal.
Renewal Timing and Authorization. Your Protection Plan will automatically renew on Your Protection Period End Date, and will continue to renew for the same amount of time as Your original Protection Period until Your Protection Plan is canceled or non-renewed. You authorize AKKO to charge Your designated payment method the amount specified on Your Confirmation at the time of each renewal.
Payment Failure. If Your designated payment method cannot be charged for any reason, Your coverage will be suspended, and We may refuse to provide service. We have the right, but not the obligation, to accept any late payment and allow Your Protection Plan to continue from the date of late payment.
What is Covered. Your Protection Plan will provide coverage for the Protected Equipment Categories indicated on Your Order Confirmation. If no Protected Equipment Category is listed on Your Order Confirmation, You are provided coverage for all equipment which is not specifically excluded under the terms of this Protection Plan.
This Protection Plan provides the coverage specified below for Your Protected Equipment if the specific coverage is listed on Your Confirmation.
Core Coverage.
Mechanical and Electrical Failure – breakdowns caused by mechanical or electrical failure.
Full Accidental Damage (from handling) – unintentional and accidental damage from handling during normal use.
Screen Breakage – due to accidental damage from handling.
Liquid Damage – due to accidental damage from handling.
Items not Eligible as Protected Equipment. We do not cover furniture, automobile, motorcycle, boat, motor, aircraft or aircraft parts (including drones) or any type of motorized 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.
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.
Handheld/portable power tools are covered only against accidental damage.
What’s Not Covered. This Protection Plan does not apply to:
Damage caused by (i) a product that is not the Protected Equipment, (ii) abuse, misuse, fire, earthquake, a natural disaster, or other external cause, (iii) operating the Protected Equipment outside the permitted or intended uses described by the manufacturer, (iv) any of the following: corrosion & rust, cosmetic damage, dishonest acts, intentional acts, nuclear hazard, theft, unexplained loss or mysterious disappearance of Protected Equipment, war-government seizure or general wear and tear, (v) Protected Equipment used in a commercial setting (unless stated otherwise in Your Confirmation), (vi) Protected Equipment which is primarily used outside, or (vii) damage which occurs while the Protected Equipment is not within Your possession.
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;
Cosmetic damage to the Protected Equipment including, but not limited to scratches, dents and broken plastic on ports;
Preventative maintenance on the Protected Equipment;
Failure of equipment withdrawn or recalled from the market or caused by a known or suspected defect, deficiency, inadequacy, or dangerous condition in it; or
Defects caused by normal wear and tear or otherwise due to normal aging of the product such as battery degradation, worn out touchscreens, and other related items.
Payment
Upon Your enrollment into Your Protection Plan or upon renewal, You will select Your Payment method. You may contact AKKO at any time to change Your Payment method.
You agree to make all required Payments under Your Protection Plan as stated on Your Confirmation.
You may receive a receipt or monthly delivered bill. Refer to all billing-related information in your account settings.
Limits. Please see Your Confirmation for the specific coverage limitations applicable to Your Protection Plan. At no time shall any reimbursement made by Us exceed the purchase price of the Protected Equipment.
Plan Changes. We will provide You with written notification of any material changes to this Protection Plan or prices sixty (60) days in advance of the implementation of such changes. You may not receive a notice when the changes are favorable to You or when changes are mandated by a regulatory agency. After notice of a material change, You may terminate this Protection Plan by providing written notice within the 60-day period prior to the effective date of the change. If you do not respond prior to the expiration of the 60-day period, you will be deemed to have accepted the change. We may also implement changes to Your Protection Plan terms or pricing at Your renewal date. We will post the amended Protection Plan terms and prices on AKKO’s website. Accordingly, You should check this page regularly for any updates to this Protection Plan. Except as provided in this Section, no amendment to these Protection Plan Terms will be valid.
Cancellation. You may cancel this Protection Plan at any time for any reason. To cancel, You may email AKKO at [email protected] or contact the person who purchased Your Protection Plan for You. When emailing AKKO, You must provide Your Protection Plan Number. You may also cancel Your Annual Pay Protection Plan by logging into Your account and referencing the cancellation instructions on Your Account Settings page. Cancellation refunds will be managed as follows:
If You cancel within thirty (30) days of Your Protection Plan Purchase Date, or receipt of this Protection Plan, whichever occurs later, You will receive a full refund less the value of any service provided under the Protection Plan.
If You cancel more than thirty (30) days after Your Protection Plan Purchase Date, You will receive a pro-rata refund of the original purchase price calculated on the date of Your cancellation. The pro-rata refund is based on the percentage of the unexpired Protection Period from the Protection Plan Purchase Date, less the value of any service provided to You under the Protection Plan.
Unless applicable local law provides otherwise, We may cancel this Protection Plan for fraud, material misrepresentation, or by failure to pay Protection Plan fees by You.
Upon the effective date of Your cancellation, Our future obligations under this Protection Plan to You are fully extinguished.
Type of Protection. The protection afforded by Your Protection Plan does not serve as any form of primary protection, coverage, or insurance when You have protection or insurance coverage applicable to the Breakdown protected herein. In such circumstances, the amount of Our liability under Your Protection Plan may be reduced by the amount of such other coverage. The amount You may be reimbursed under Your Protection Plan or any other policies providing coverage should not exceed the total loss by You. For any of Your Protected Equipment that already has an active warranty, any claims are required to be submitted first through your existing/included warranty. In the event of payment under an existing warranty, We shall be subrogated to all of Your rights of recovery. You shall execute all papers required and shall do everything that may be necessary to secure such rights, including the execution of such documents necessary to enable Us to effectively to bring suit to enforce such rights.
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 PROTECTION PLAN, EVEN IF SUCH LOSSES WERE FORESEEABLE AND REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Important. THIS IS NOT A CONTRACT OF INSURANCE. OUR OBLIGATIONS UNDER THIS SERVICE CONTRACT ARE GUARANTEED UNDER A SERVICE CONTRACT REIMBURSEMENT INSURANCE POLICY. IF WE FAIL TO PAY OR PROVIDE SERVICE ON A CLAIM WITHIN SIXTY (60) DAYS AFTER PROOF OF LOSS HAS BEEN FILED, YOU ARE ENTITLED TO MAKE A CLAIM DIRECTLY AGAINST THE INSURANCE COMPANY.
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.
Privacy. It is Our policy to respect the privacy of Our customers. For information on Our privacy practices, please review Our privacy policy at https://akko.link/privacy-policy. You may also be subject to any applicable privacy policies posted by the third party that may be providing Your Protection Plan from Us or referring You to Us.
General.
Entire Agreement. This Protection Plan and any documents, policies or operating rules posted by Us on AKKO’s website or provided to You constitute the entire agreement and understanding between You and Us regarding the Protection Plan with respect to the services and benefits provided to You under Your Protection Plan and will prevail over any conflicting, additional, or other terms of any marketing collateral or other document or expression. No party, except Us, in accordance with the terms of this Protection Plan, has authority (apparent, express, implied, or otherwise) to alter or modify this Protection Plan either orally or in writing.
Transfer and Assignment. You may not transfer or assign this Protection Plan to any other person. We may assign this Protection Plan, in whole or in part, without Your consent, to the fullest extent allowed by law. You understand and agree that, in the event of such an assignment, We will have no further obligation to You.
State-By-State Variations.
Alabama Residents: The following is added to 12. Cancellation: A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after You cancel the Protection Plan.
Arizona Residents: The pre-existing condition exclusion does not apply to conditions occurring prior to the sale of the consumer product by the retailer, its assignees, subcontractors and/or representatives. The Arbitration Agreement of this Protection Plan does not preclude you from contacting the Arizona Department of Insurance and Financial Institutions, Consumer Protection Division. We will deny coverage for the reasons set forth in these terms and conditions only if these situations occurred while You own the Protected Equipment. Obligations under this Protection Plan are insured by an insurance policy issued by [Universal Underwriters Insurance Company], located at [7045 College Boulevard, Overland Park, KS 66211], [(800) 515-5988].
Section 12.c. Cancellation is replaced with the following:
- Monthly Plans. If You cancel after thirty (30) days from the Protection Plan Purchase Date, coverage will terminate upon notification of cancellation. You will receive a pro-rata refund of the Plan Price based on the elapsed Term, less the cost of any services or claims paid.
Arkansas: A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after You cancel the Protection Plan.
Colorado: A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after You cancel the Protection Plan.
California Residents: Section 12(b) is deleted and Section 12(a) is amended as follows:
Cancellation of a Monthly-Paid Protection Plan. For all products other than home appliances and home electronic products, if a Monthly-Paid Protection Plan is canceled: (a) within sixty (60) days of the receipt of these Terms, You shall receive a full refund of the price paid for the Protection Plan provided no service has been performed, or (b) after sixty (60) days, You will receive a pro-rata refund, less the cost of any service received. For home appliances and home electronics products, if a Monthly-Paid Protection Plan is canceled: (a) within thirty (30) days of the receipt of these Terms, You shall receive a full refund of the price paid for the Protection Plan provided no service has been performed, or (b) after thirty (30) days, You will receive a pro-rata refund, less the cost of any service received.
If the refund is not paid or credited to Your account within thirty (30) days after we receive written notice of cancellation, the amount of the required refund or credit shall bear interest, payable to You, at the rate of ten percent (10%) per annum for each additional thirty (30) days or fraction thereof. In addition to other cancellation methods set forth in this Protection Plan, You may cancel this Protection Plan at any time by emailing [insert email], calling [(888) 530-2556], or mailing [95 Third Street, 2nd floor, San Francisco, California 94103], or using the Designated Platform.
In-home services are not provided under this Protection Plan. You are responsible for transportation costs of Your Protected Equipment to obtain service.
Connecticut Residents: In-home services are not available. If Your Protection Period End Date occurs while Your Protected Equipment is being repaired, Your coverage will extend until the repair is completed. Obligations under this Protection Plan are insured by an insurance policy issued by Universal Underwriters Service Corporation. If we fail to pay or provide service on a claim within sixty (60) days after it has been filed with us, the written claim can be submitted to Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211], or by calling [(800) 515-5988]. Resolution of Disputes: If we are unable to resolve any disputes with You regarding this Protection 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.
Florida Residents: The obligor for contracts sold to Florida residents is Universal Underwriters Insurance Company, located at [7045 College Boulevard, Overland Park, KS 66211, (800) 515-5988]. The Protection Plan shall be canceled by Us for fraud or material misrepresentation. Unauthorized repair or replacement of covered equipment shall result in the cancellation of the Protection Plan by us. In the event of cancellation by Us, written notice of cancellation shall be mailed to You not less than sixty (60) days before cancellation is effective. If we cancel the Protection Plan, the return premium is based upon one hundred percent (100%) of the unearned pro rata premium less any claims that have been made or less the cost of repairs made on your behalf. The rate which is charged for this Protection Plan is not subject to regulation by the Florida Office of Insurance Regulation.
- Important Notice is removed
Georgia Residents: This Protection Plan shall be non-cancelable by Us except for fraud, material misrepresentation, or failure to pay consideration due therefore. The cancellation shall be in writing and shall conform to the requirements of O.C.G.A. 33-7-6. You may cancel this Protection Plan: (a) within thirty (30) days after its purchase and receive a full refund of the Protection Plan price, less any claims paid. If You cancel after thirty (30) days, You will be refunded the unearned premium, less any claims paid and any applicable cancellation fee which will not exceed the lesser of ten percent (10%) of the unearned Protection Plan price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after You cancel the Protection Plan.
If We cancel this Protection Plan, We will provide thirty (30) days written notice of cancellation. If We cancel this Protection Plan within thirty (30) days, We will issue you a full refund of the Protection Plan price, less any claims paid. If We cancel this Protection Plan after thirty (30) days, We will issue You a one hundred percent (100%) refund of the unearned amount paid, less any claims paid. Any refund owed and not paid as required is subject to a penalty equal to twenty-five percent (25%) of the refund owed and interest of eighteen percent (18%) per year until paid; however, such penalty shall not exceed fifty percent (50%) of the amount of the refund. This Protection Plan excludes coverage for incidental and consequential damages only to the extent such damages are known to You or reasonably should have been known to You. Obligations under this Protection Plan are insured by an insurance policy issued by Universal Underwriters Service Corporation, [7045 College Boulevard, Overland Park, KS 66211]. If we fail to pay or provide service on a claim within sixty (60) days after it has been filed with us, the written claim can be submitted Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211], or by calling [(800) 515-5988]. Nothing contained in the arbitration provision shall affect your right to file a direct claim under the terms of this Plan against Universal Underwriters Service Corporation pursuant to O.C.G.A. 33-7-6.
What’s Not Covered (f) is replaced with the following:
- Unauthorized repairs, modifications, alterations, or enhancements to the Protected Equipment, except those made by you or with your knowledge;
Hawaii Residents: Any refund not made within forty-five (45) days shall include a ten percent (10%) per month penalty. This Protection Plan does not cover consequential damages. In the event we cancel this Protection Plan, we shall provide five (5) days prior notice of such cancellation which notice shall include the effective date of cancellation.
Illinois Residents: You may cancel this Protection Plan: (a) within thirty (30) days after its purchase if no service has been provided and receive a full refund of the Protection Plan price, less a cancellation fee not to exceed the lesser of ten percent (10%) of the Protection Plan price or fifty dollars ($50.00); or (b) at any other time and receive a pro-rata refund of the Protection Plan price for the unexpired term of the Protection Plan, based on the number of elapsed months less the value of any service received, and the cancellation fee not to exceed the lesser of ten percent (10%) of the Protection Plan price or fifty dollars ($50.00).
Indiana Residents: If we fail to pay or provide service on a claim within sixty (60) days after it has been filed with us, the written claim can be submitted to Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211], or by calling [(800) 515-5988].
Iowa: CANCELLATION section is amended as follows: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of returned service Agreement. FOR IOWA RESIDENTS ONLY: Should you have questions or problems with this contract, you may contact the Iowa Insurance Division, “Attention: Commissioner of Insurance”, 1963 Bell Ave, Suite 100, Des Moines, Iowa 50315-1000.
Kentucky Residents: If we fail to pay or provide service on a claim within sixty (60) days after it has been filed with us, the written claim can be submitted to Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211], or by calling [(800) 515-5988].
Maine: CANCELLATION section is amended as follows: The provider of the Agreement shall mail a written notice to the service Agreement holder at the last known address of the service Agreement holder contained in the records of the provider at least fifteen (15) days prior to cancellation by the provider. The notice must state the effective date of the cancellation and the reason for the cancellation. If an Agreement is cancelled by the provider for a reason other than nonpayment of the provider fee, the provider shall refund to the service Agreement holder one hundred percent (100%) of the unearned pro-rata provider fee, less any claims paid. An administrative fee not to exceed ten percent (10%) of the provider fee paid by the service Agreement holder may be charged by the provider. A monthly penalty equal to ten percent (10%) of the provider fee outstanding must be added to a refund that is not paid or credited within forty-five (45) days after the return of the Agreement to the provider.
Maryland: CANCELLATION section is amended as follows: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of returned service Agreement.
Massachusetts: CANCELLATION section is amended as follows: The provider shall mail a written notice to the service Agreement holder, including the effective date of the cancellation and the reason for the cancellation at the last known address of the service Agreement holder contained in the records of the provider at least five (5) days prior to cancellation by the provider unless the reason for cancellation is nonpayment of the provider fee, material misrepresentation or a substantial breach of duties by the service Agreement holder relating to the Covered Product or its use. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned service Agreement.
Michigan Residents: If performance of the service contract is interrupted because of a strike or work stoppage at Our place of business, the effective period of the service contract shall be extended for the period of the strike or work stoppage.
Minnesota Residents: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned service agreement.
The following is added to the ARBITRATION provision: Any arbitration shall take place in the state where You reside or at any other place agreed to in writing by You and Federal Warranty Service Corporation.
Missouri: CANCELLATION section is amended as follows: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned service Agreement.
Nevada Residents: Pre Existing conditions are not covered by this Protection Plan. You are entitled to a “Free Look” period for this Protection Plan. If You decide to cancel this Protection Plan within thirty (30) days of purchase and You have not made a claim under this Protection Plan, You are entitled to a one hundred percent (100%) refund of any fees paid. If You cancel this Protection Plan after thirty (30) days from purchase, You will receive a pro-rata refund based on the days remaining, less a cancellation fee of twenty- five dollars ($25.00) or ten percent (10%) of the Protection Plan fee, whichever is less. If We fail to pay the cancellation refund within forty-five (45) days of Your written request We will pay You a penalty of ten percent (10%) of the purchase price for each thirty (30) day period or portion thereof that the refund and any accrued penalties remain unpaid. If this Protection Plan is canceled by Us, no cancellation may become effective until at least fifteen (15) days after the notice of cancellation is mailed to You. We can cancel this Protection Plan due to unauthorized repairs which result in a material change in the nature or extent of the risk, occurring after the first effective date of the current Protection Plan, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the Protection Plan was issued or last renewed. If the contract has been in effect for seventy (70) days or more, We can only cancel this Protection Plan due to (1) unauthorized repairs which result in a material change in the nature or extent of the risk, occurring after the first effective date of the current Protection Plan, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the Protection Plan was issued or last renewed; (2) Discovery of fraud or material misrepresentation by the holder in obtaining the service contract, or in presenting a claim for service; (3) An act or omission by You or a violation by You of any condition of the service contract, which occurred after the effective date of the service contract and which substantially and materially increases the service required under the service contract; (4) You fail to pay any amount due; or (5) You are convicted of a crime which results in an increase in the service required under the service contract. If We cancel this Protection Plan no cancellation fee will be imposed and no deduction for claims paid will be applied. If Your covered failure results in a loss of heating, cooling, or electrical power to Your air conditioner or refrigerator/freezer, repairs on Your Protected Equipment will commence within twenty-four (24) hours after You report Your claim. If these repairs cannot be completed within three (3) calendar days, We will send You a report indicating the status of these repairs. The status report will also be sent to the Commissioner by electronic mail at [email protected]. If You are paying for Your Protection Plan on a monthly basis We may not deny service to You for non-payment of the monthly fee, however, upon fifteen (15) days’ notice of such non-payment, Your Protection Plan will be cancelled. If You are not satisfied with the manner in which We are handling Your claim, You may contact the Commissioner of the Division of Insurance at 1-888-872-3234. For contracts issued in Nevada to Nevada residents, only Nevada law will govern the substantive portions of this Protection Plan. Section 11 of this Protection Plan is modified to read as follows: We may implement changes to Your Protection Plan terms or pricing at Your renewal date. We will post the amended Protection Plan terms and prices on AKKO’s website. Accordingly, You should check this page regularly for any updates to this Protection Plan. Except as provided in this Section, no amendment to these Protection Plan Terms will be valid.
No changes will be made during the term of the Protection Plan. Any changes to the Protection Plan will be made upon renewal only.
EMERGENCY SERVICE: In emergency situations where defects immediately endanger the health and safety of You, repairs will commence within 24 hours after the report of the claim and will be completed as soon as reasonably practicably thereafter. If We determine that repairs cannot practicably be completed within three (3) calendar days after the report of the claim, We will provide a status report to You no later than three (3) calendar days after the report of the claim that will include: 1) A list of the required repairs or services, 2) the primary reason causing the required repairs or services to extend beyond the three (3) day period; 3) the current estimated time to complete the repairs or services; and 4) contact information for You to make additional inquiries concerning any aspect of the claim and a commitment to respond to such inquiries no later than one (1) business day after such an inquiry is made.
New Hampshire Residents: In the event you do not receive satisfaction under this Plan, you may contact the State of New Hampshire Insurance Department, 21 South Fruit Street, Suite 14, Concord, NH 03301, telephone number: 1-603-271-2261. The arbitration agreement provision of this Plan is subject to Revised Statutes Annotated 542.
New Jersey Residents: A ten percent (10%) penalty per month, based upon the purchase price of this Protection Plan, will be added to a refund that is not made within forty-five (45) days of cancellation of the Protection Plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the manufacturer, importer, or seller and does not extend the term of any original product or service warranty that the manufacturer, importer, or seller may have provided.
New Mexico Residents: This Protection Plan is insured by Universal Underwriters Service Corporation. If the Obligor fails to pay You or otherwise provide You with the covered service within sixty (60) days of Your submission of a valid claim, You may submit Your claim to Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211], or by calling [(800) 515-5988]. CANCELLATION section is amended as follows: If You are the original purchaser of this Agreement, You may return this Agreement and receive a refund if: (i) You have not made a claim under the Agreement; and (ii) You return this Agreement within twenty days after the date We mail You a copy of the Agreement or within ten days after You receive a copy of the Agreement if We furnish You with the copy at the time the Agreement is purchased. We may not cancel this Agreement without providing You with written notice at least fifteen (15) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. If this Agreement has been in force for a period of seventy (70) days, We may not cancel it before the expiration of the Agreement term or one (1) year, whichever occurs first, unless: 1) You fail to pay any amount due; 2) You are convicted of a crime which results in an increase in the service required under the Agreement; 3) You engage in fraud or material misrepresentation in obtaining this Agreement; or 4) You commit any act, omission, or violation of any terms of this Agreement after the effective date of this Agreement which substantially and materially increases the service required under this Agreement. A ten percent (10%) penalty per month (or each portion thereof) shall be applied to refunds not paid or credited within sixty (60) days of receipt of a returned Agreement.
North Carolina Residents: The purchase of this Protection Plan is not required either to purchase or to obtain financing for a home appliance. CANCELLATION section is amended as follows: We may not cancel this Agreement except for nonpayment by You or for violation of any of the terms and conditions of this Agreement.
New York Residents: “Obligor”, “We”, “Us” and “Our”: refers to Universal Underwriters Service Corporation, d/b/a: UUSC Service Company, [7045 College Boulevard, Overland Park, KS 66211], [(800) 515-5988]. You may return this Protection Plan within at least twenty (20) days of the date of mailing of the Protection Plan or within at least ten (10) days if the Protection Plan is delivered to You at the time of sale or within a longer time period if permitted within this Protection Plan, and if no claim has been made during this period, the Protection Plan shall be void and We shall refund to You the full purchase price of the Protection Plan. A ten percent (10%) penalty per month will be added to a refund that is not made within thirty (30) days of return of the Protection Plan to Us. This return and penalty provision shall only apply to the original purchaser of the Protection Plan.
Ohio Residents: The obligations under this Protection Plan are insured by a policy of insurance issued by Universal Underwriters Service Corporation, [7045 College Boulevard, Overland Park, KS 66211]. If We fail to perform or make payment due under the terms of the Protection Plan within sixty (60) days after You request performance or payment, You may apply to Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211] including, but not limited to, any obligation in the Protection Plan in which We must refund You upon cancellation of the Protection Plan.
Oklahoma Residents: In the event the contract is canceled by Us, You will be provided a one hundred percent (100%) refund of unearned pro-rata provider fee less the actual cost of any service provided under the service warranty contract. The coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association. This is not an insurance contract, however, obligations under this Protection Plan are insured by an insurance policy issued by Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211]. The Obligor’s license number is 44197997.
Oregon Residents: The Arbitration Agreement provision of this Plan is replaced with the following: “For the purpose of this Arbitration Agreement, references to “we” and “us” also include the respective parents, subsidiaries, affiliates, service contract insurers, agents, employees, successors and assigns of the Protection Plan Obligor and administrator, as defined above. Most of your concerns about the Protection Plan can be addressed simply by contacting us at Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211]. In the event we cannot resolve any dispute, you and we may, in a separate agreement, consent to arbitration. YOU AND WE AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, CLASS ARBITRATION OR OTHER SIMILAR PROCEEDING. Any arbitration proceedings shall be conducted within the state of Oregon.” Upon failure of the Obligor to perform under the Agreement, the insurer shall pay on behalf of the Obligor any sums the Obligor is legally obligated to pay and any service that the Obligor is legally obligated to perform. Termination of the reimbursement policy shall not occur until a notice of termination has been mailed or delivered to the Director of the Department of Consumer and Business Services. This notice must be mailed or delivered at least 30 days prior to the date of termination. CANCELLATION section is amended as follows: You, the service Agreement holder may apply for reimbursement directly to the insurer if a refund or credit is not paid before the 46th day after the date on which Your Agreement is returned to the provider. The Obligor is responsible for your refund.
South Carolina Residents: You may address any unresolved complaints or Protection Plan regulation questions to the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina 29202-3105, Tel:1- 800-768-3467. CANCELLATION section is amended as follows: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned service Agreement.
Texas Residents: You are entitled to a “Free Look” period for this Protection Plan. If You decide to cancel this Protection Plan within thirty (30) days of purchase and You have not made a claim under this Protection Plan, You are entitled to a one hundred percent (100%) refund of any fees paid. If You cancel this Protection Plan after thirty (30) days from purchase, You will receive a pro-rata refund based on the days remaining, less any claims paid and a cancellation fee of twenty-five dollars ($25.00) or ten percent (10%) of the Protection Plan fee, whichever is less. If You purchased this Protection Plan in Texas, unresolved complaints concerning a provider or questions concerning the registration of a service Protection Plan provider may be addressed to the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711, telephone number (800) 803-9202. CANCELLATION section is amended as follows: You, the service Agreement holder, may apply for reimbursement directly to the insurer if a refund or credit is not paid before the 46th day after the date on which Your Agreement is returned to the provider. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned service Agreement.
Utah Residents: Obligations under this Protection Plan are insured by an insurance policy issued by Universal Underwriters Service Corporation, [7045 College Boulevard, Overland Park, KS 66211]. If We fail to pay or provide service on a claim within sixty (60) days after it has been filed with Us, the written claim can be submitted Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211], or by calling [(800) 515-5988]. This Protection Plan or warranty is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this Protection Plan is not guaranteed by the Property and Casualty Guaranty Association. We can cancel this Protection Plan during the first sixty (60) days, by mailing to You a notice of cancellation at least ten (30) days prior to the effective date of cancellation except that We can also cancel this Protection 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 this Protection Plan by mailing a cancellation notice to You at least thirty (30) days prior to the effective date of cancellation for cancellations due to any of the following reasons: (a) material misrepresentation; (b) substantial change in the risk assumed, unless You should reasonably have foreseen the change or contemplated the risk when entering into the Protection Plan; or (c) substantial breach of contractual duties, conditions, or warranties. The notice of cancellation must be in writing to You at Your last known address and contain all of the following: (1) the Contract number; (2) the date of notice; (3) the effective date of cancellation; and (4) a detailed explanation of the reason for cancellation.
Emergency Service: If you are unable to reach Administrator at [xxx-xxx-xxxx] and you require emergency repair, you may contact any manufacturer authorized service repair facility listed in Your phone book or online. Mail Administrator Your original repair bill along with the technician’s report and a copy of the Agreement to the address at the top of this Agreement for reimbursement. All coverage and exclusions in this Agreement will apply. If Your covered failure results in a loss of heating, cooling, or electrical power to Your air conditioner or refrigerator/freezer, repairs on Your Protected Equipment will commence within twenty-four (24) hours after You report Your claim by calling the number above. For any Protected Equipment failure which is not reported prior to the expiration of this Protection Plan will be considered if You can provide valid reason (examples; hospitalized, incapacitated, etc.) for delay of notice.
Virginia Residents: If any promise made in the contract has been denied or has not been honored within sixty (60) days after Your request, You may contact the Virginia Department of Agriculture and Consumer Services, Office of Charitable and Regulatory Programs at www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml to file a complaint.
Washington Residents: This right to void the Protection Plan is not transferable and applies only to the original Protection Plan Purchaser. A ten percent (10%) penalty per month will be added to a refund that is not made within thirty (30) days of return of the Protection Plan to Us. If We cancel this Protection Plan for any reason, We must mail You written notice of such cancellation at least twenty-one (21) days prior to the effective date of such cancellation and state the true and actual reason for the cancellation.
Wisconsin Residents: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. The obligations under this Protection Plan are insured by a policy of insurance issued by Universal Underwriters Service Corporation, [7045 College Boulevard, Overland Park, KS 66211]. If We fail to pay or provide service on a claim within sixty (60) days after a claim has been filed with Us or if We become insolvent or otherwise financially impaired, the written claim can be submitted to Universal Underwriters Service Corporation at [7045 College Boulevard, Overland Park, KS 66211], or by calling [(800) 515-5988].
(a) A service contract may be canceled by a provider only for nonpayment of the provider fee, material misrepresentation by the contract holder to the provider or administrator, or substantial breach of duties by the service contract holder relating to the Protected Equipment or its use. The provider shall mail a written notice to the service contract holder at the last-known address of the service contract holder contained in the records of the provider at least five (5) days prior to cancellation by the provider.
(b) The notice under paragraph (a) shall state the effective date of the cancellation and the reason for the cancellation.
(c) If a service contract is canceled by the provider for a reason other than nonpayment of the provider fee, the provider shall refund to the service contract holder one hundred percent (100%) of the unearned pro-rata provider fee.
(d) The provider may charge a reasonable administrative fee for the cancellation which may not exceed ten percent (10%) of the provider fee. You may, within twenty (20) calendar days of the delivery of this Protection Plan, reject and return this Protection Plan for a full refund, less any claims paid, if applicable. The right to void this service contract is not transferable and shall apply only to the original service contract purchase. After twenty (20) days, if You cancel this contract, You will be refunded the remaining days of coverage on a monthly prorated basis, less claims or service performed. If We fail to credit a refund within sixty-one (45) days after return of the service contract, a ten percent (10%) penalty per month applies to any refund not paid or credited. We will not deny Your claim solely because You did not obtain preauthorization if we are not prejudiced by Your failure to notify us. In the event of a total loss of property, You can cancel this contract and receive a pro rata refund, less any claims paid.
Wyoming Residents: A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after return of the Protection Plan to Us. The right to void the Protection Plan provided in this subsection applies only to the original Protection Plan purchaser and is not transferable. If We cancel this Protection Plan for reasons other than nonpayment, a material misrepresentation made by You to Us or because of a substantial breach of duties by You relating to the product or its use, we will mail a written notice to You at least ten (10) days prior to cancellation. The notice of cancellation shall state the effective date of cancellation and the reason for cancellation.
