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Terms and Conditions

Congratulations on purchasing the Protection Plan offered by RMG Group at our office in Plano, Texas. Please read these terms and conditions carefully so that you fully understand your coverage under our Protection Plans. Please also review the Order Summary or purchase receipt provided to you at the time you purchased this Protection Plan. The Order Summary defines the Covered Product, Coverage Amount, and the Coverage Term of this Protection Plan.

DEFINITIONS

“We,” “Us,” and “Our” shall mean the obligor of this Protection Plan, CE Care Plan Corp except as follows: in California, "We", "Us" and "Our" shall mean Ramsey Management Group, Inc. DBA RMG GROUP or any of its affiliates and or companies; in Arizona, Oklahoma, and Wyoming, "We", "Us", and "Our" shall mean Complete Product Care Corp, the aforementioned located at 5120 Legacy Dr., Plano, Texas 75024; in Florida, "We", "Us" and "Our" shall mean RMG GROUP, 5120 Legacy Dr Plano, TX 75024; in Washington, "We, "Us, and "Our" shall mean Ramsey Management Group Inc, 5120 Legacy Dr Plano, TX 75024. You may reach Us at 1-866-585-5033. “Administrator” shall mean Ramsey Management Group, Inc. located at 5120 Legacy Dr., Plano, TX 75024 with a telephone number: 1-866-585-5033.

"You", "Your" shall mean the individual or entity who purchased this Protection Plan or the individual or entity to whom this Protection Plan was properly transferred in accordance with these Terms and Conditions.

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The following terms are used in the Order Summary:

March 15, 2018

  • Protection Plan Price: The price You paid for this Protection Plan.
  • Coverage Start Date: This is the date when coverage starts under this Protection Plan.
  • Waiting Period: This is the amount of time, varying from zero (0) to thirty (30) days, between the Protection Plan purchase date and the Coverage Start Date, during which if any issues occur, they are considered pre-existing conditions and render the item ineligible for coverage under this Protection Plan. A Waiting Period applies to Protection Plans purchased for refurbished items and Protection Plans purchased subsequent to the purchase of Your Covered Product. Any applicable Waiting Period does not affect Your coverage under any manufacturer's warranty. If during the Waiting Period a pre-existing condition renders the item ineligible for coverage, We will cancel Your Protection Plan and provide You with a full refund of the Protection Plan Price.
  • Coverage Term or Term: This is the years of coverage, varying from one (1) to five (5) year(s), You receive under this Protection Plan, starting on the Coverage Start Date which begins after any Waiting Period. The Protection Plan is inclusive of any US manufacturer's warranty that may exist during the Coverage Term. It does not replace the manufacturer's warranty but provides certain additional benefits during the term of the manufacturer's warranty. The Term of this Protection Plan is extended for the duration of any time that the item is being repaired under this Protection Plan.
  • Covered Product or Product: The product or type of product covered by this Protection Plan.
  • Coverage Amount: The purchase price of the Covered Product.
  • Coverage Type: This defines the level of coverage You purchased, such as whether Your Protection Plan includes Optional Coverage, such as Accidental Damage from Handling (ADH) coverage.
  • Deductible: There is never a deductible for up to three claims within a twenty-four month period. Subject to change. Rules, regulations, and review. Any deductible assessed outside of this will be provided with notice at the time of claim.

COVERAGES AND TERMS

This Protection Plan will cover a mechanical or electrical failure of the Covered Product(s) in subsections A, B, C and D below during normal usage for the Term of this Protection Plan. This Protection Plan is inclusive of any manufacturer's warranty that may exist during the Coverage Term. It does not replace the manufacturer's warranty but provides certain additional benefits during the term of the manufacturer's warranty. Replacement parts will be new, rebuilt or non-original manufacturer's parts that perform to the factory specifications of the product at Our sole option.

This Protection Plan does cover repair or replacement of Your Product for any of the causes or provide coverage for any losses set forth below in Section 9, "WHAT IS NOT COVERED." Specific details about Your coverage under this Protection Plan are provided in the Order Summary. For online assistance and hardware troubleshooting tips, visit www.RMG GROUP.com and select the Support option.

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CELL PHONES AND TABLETS: 

March 15, 2018

This Protection Plan provides coverage for parts and labor costs to repair or replace Your Product where the problem is the result of a failure caused by:
1. Normal wear and tear;
2. Accidental damage from handling (ADH), such as damage from drops, spills and liquid damage associated with the handling and use of Your Product, if the coverage has been offered and purchased at the time of sale with Your Protection Plan;
3. One (1) battery repair or replacement, when the original rechargeable battery is defective as determined by Us and at Our sole discretion. We may require You to return Your original defective battery to Us to receive a replacement battery;
4. Damaged or defective buttons or connectivity ports located on Your Product;
5. For defective pixels, We will match the manufacturer's warranty for the Term of Your Protection Plan. In the absence of a manufacturer's dead pixel policy, We will cover a failure of three (3) or more defective pixels within a one square inch area of the display;
6. Dust, internal overheating, internal humidity/condensation;
7. Defects in materials or workmanship;
8. Operational failure resulting from a power surge while properly connected to a surge protector. You may be asked to provide Your surge protector for examination.

9. Lost or Stolen Devices

JEWELRY AND WATCH PLANS

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JEWELRY: This Protection Plan provides coverage for parts and labor costs to repair the Jewelry where the problem is a result of a failure caused by defects in workmanship and/or materials, including those resulting from normal wear and tear such as cracks, chips, scratches, dents, kinks, breaks, and thinning. You will be reimbursed for RMG GROUP-authorized repairs to, or replacement of the Jewelry, at Our discretion, when required due to a problem which is not covered under any other warranty, service plan or insurance.


WATCHES: This Protection Plan provides coverage for parts and labor costs to repair the Watch where the problem is the result of a failure caused by defects in workmanship and/or materials, including those resulting from normal wear and tear such as: watch band, case, clasp, crown, cracked crystal, inner movement and stem. For watch band failure, We may elect to replace either segments of the band, the complete band, or the watch, at Our discretion. You will be reimbursed for RMG GROUP-authorized repairs to or replacement of the Watch, at Our discretion, when required due to a problem which is not covered under any other warranty, service plan or insurance. Specific details about Your coverage under this Protection Plan are provided in the ORDER SUMMARY.

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FURNITURE:

  • This Protection Plan covers only products used primarily for personal, family or household purposes or small office or home office setting. Enterprise plans can be sold at separate pricing and contract.

  • UPHOLSTERED WOOD AND METAL FURNITURE: This Protection Plan provides coverage for damage due to seam separation; broken hardware and pulls; seam separation of joints and welds; cracks; peeling of veneers; broken hinges, casters, slides, drawer pull/guides or swivels; damaged mechanical elements; scratches; chips; gouges; cracking, warping or peeling of finish due to normal use. The Protection Plan also covers breakage, chips and scratches to glass on tables, desks, wall units and cabinets, and breakage, chipping and/or loss of silvering to mirrors due to normal use or accidental damage

  • FABRIC AND LEATHER COVERAGE: This Protection Plan provides coverage for damage due to separation or peeling of topcoat finish.

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ALL OTHER PRODUCTS:

This Protection Plan provides coverage for parts and labor costs to repair or replace Your Product where the problem is the result of a failure caused by:

1. Normal wear and tear;
2. Accidental damage from handling (ADH), such as damage from drops, spills and liquid damage associated with the handling and use of Your Product, if the coverage has been offered and purchased at the time of sale with Your Protection Plan;
3. One (1) battery repair or replacement, when the original rechargeable battery is defective as determined by Us and at Our sole discretion if the coverage has been offered and purchased at the time of sale with Your Protection Plan.;
4. One (1) bulb replacement, replacement of a faulty bulb during the first three (3) years of the Term, if the coverage has been offered and purchased at the time of sale with Your Protection Plan;
5. For defective pixels, We will match the manufacturer's warranty for the Term of Your Protection Plan. In the absence of a manufacturer's dead pixel policy, We will cover six (6) or more defective pixels for displays up to 17" OR eight (8) or more defective pixels for displays greater than 17";
6. Dust, internal overheating, internal humidity/condensation;
7. Defects in materials or workmanship;
8. Operational failure resulting from a power surge while properly connected to a surge protector. You may be asked to provide Your surge protector for examination.

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OPTIONAL COVERAGES

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ACCIDENTAL DAMAGE FROM HANDLING (ADH) 

If You were offered and elected to include accidental damage from handling (ADH) as an integral part of Your coverage, it augments Your Protection Plan by providing additional protection for damage from drops, spills and liquid damage associated with the handling and use of Your Product. It also covers loss and stolen for all products

Coverage DOES provide protection against theft, loss, reckless, or abusive conduct associated with handling and use of the product, cosmetic damage and/or other damage that does not affect unit functionality or damage caused during shipment between You and Our service providers.

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BULB COVERAGE 

If You were offered and elected to include Bulb Coverage on Your rear-projection or DLP Television, Your Protection Plan shall also include up to one (1) replacement of a faulty bulb during the first three (3) years of the Coverage Term. You will be responsible for installing the replacement bulb, which We will provide to You in most occurrences. If, at our discretion, we do not provide you with a replacement bulb, we will reimburse you for the cost of the bulb or replace the product altogether. or when You have received a replacement bulb or reimbursement for the cost of a replacement bulb from Us, whichever occurs first. You may be required to return the defective bulb to Us.

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BATTERY COVERAGE 

If You were offered and elected to include Battery Coverage on Your Product, Your Protection Plan shall also include up to one (1) battery repair or replacement during the first two (2) years of the Coverage Term, when the original rechargeable battery is defective as determined by Us and at Our sole discretion. We may require You to return Your original defective battery to Us to receive a replacement battery. Battery Coverage is only available for Covered Products that are new or newly manufacturer refurbished.

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Income Loss Protection 

With our income loss protection program, we design it to help you in the event of a loss of your primary income only. This plan covers but not limited to things such as Rent/Mortgage, Auto Loan/Lease Utilities such as Gas, Electric, Water, It does not cover things such as but not limited to food, motor vehicle gasoline, insurance etc… With this program, it does require for payout copies of proof of recurring payments for bills submitted through claims. We do reserve the right to not honor a claim. This typically includes but not limited to reasons such as fraud and abuse. In the event of loss depending on your plan we cover expenses for up to six month(s) depending on your plan and approved time frame. You agree that you will work with a case manager to help resolve your no income issue to a resolution. Each plan comes with no payback for the first claim within a 12-month period. Any claim approved for income loss thereafter is subject to installment pay plan back up to 75% of paid out expenses. We reserve the right to change any plan, terms, and conditions, or anything related to our service agreements at any time. You agree that you will not hold us responsible in the event that your claim is denied for any reason.

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WHAT TO DO IF A COVERED PRODUCT REQUIRES SERVICE

File a claim online or call Us toll-free at 1-866-585-5033 and explain the problem. We will attempt to troubleshoot the problem You are experiencing. If we cannot resolve the problem, you will be directed to an authorized service center.

HOW WE WILL SERVICE YOUR PRODUCT


Depending on the Product and failure circumstances, We will either, at Our discretion:

• Repair Your Product, or;

• Provide a cash settlement or a Gift Card reflecting the replacement cost of a new product of equal features and functionality up to the Coverage Amount, or;

•Replace Your Product with a product of like, kind, quality, and functionality.

PLACE OF SERVICE 

At Our discretion, large items will receive on-site service. Within five (5) business days of determining Your Product requires on-site service, We will assign You an authorized service center technician and arrange to repair or replace the Product at Your location during normal business hours. If We fail to have an authorized service center technician assigned within five (5) business days, We will continue to service Your Product and the cost of Your Protection Plan will be refunded to You at Your request. On-site service may occasionally necessitate the authorized service center technician to bring the Product back to their shop to complete repairs.


For shippable items, we will provide a free prepaid shipping label to our authorized service center for repair, replacement or settlement. You will be responsible for safe packaging and shipment of Your Product. If, upon inspection, Your Product is determined to have experienced a failure which is covered by Your Protection Plan, We will service Your Product, in accordance with Section 5, "HOW WE WILL SERVICE YOUR PRODUCT", within five (5) days of our authorized service center's receipt of Your Product. If We fail to repair, payout or replace Product within five (5) business days of receiving it, We will continue to service Your Product and the cost of Your Protection Plan will be refunded to You at Your request. If the authorized service center determines Your Product is in working condition or is not covered by Your Protection Plan, We will return Your Product to You or dispose of it at your request.

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LIMIT OF LIABILITY 

The total amount that We will pay for repairs or replacement made in connection with all claims that You make pursuant to this Protection Plan shall not exceed the Coverage Amount. In the event that We make payments for repairs or replacements, which in the aggregate, are equal to the Coverage Amount, or if We provide a cash settlement reflecting the replacement cost of a new item of equal features and functionality, then We will have no further obligations under this Protection Plan.


WE SHALL NOT BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO, PROPERTY DAMAGE, LOST TIME, OR LOST DATA RESULTING FROM THE FAILURE OF ANY PRODUCT OR EQUIPMENT OR FROM DELAYS IN SERVICE OR THE INABILITY TO RENDER SERVICE.

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YOUR RESPONSIBILITIES: 

  • Provide Us with a complete copy of proof of purchase. You can send Us a digital copy through www.RMG GROUP.com and We can store it for You or You can provide such proof of purchase at the time You make a claim.
  • Purchase the correct RMG GROUP Protection Plan for Your Product based on condition, price or purchase location.
  • Properly maintain, store and use Your Product according to the manufacturer instructions.

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WHAT IS NOT COVERED: 

March 15, 2018

  • Any and all pre-existing conditions that occur prior to the Coverage Start Date of this Protection Plan;
  • Intentional damage;
  • Any product that is fraudulently described or materially misrepresented
  • Maintenance, repair, or replacement necessitated by loss or damage resulting from any cause other than normal use and operation of the product in accordance with the manufacturer's specifications and owner's manual, including, but not limited to, exposure to weather conditions, failure to properly clean, maintain or lubricate, operator negligence, misuse, abuse, improper electrical/power supply, improper equipment modifications, attachments or installation or assembly, vandalism, animal or insect infestation, battery leakage, act of nature (any accident caused or produced by any physical cause which cannot be foreseen or prevented, such as storms, perils of the sea, tornadoes, hurricanes, floods and earthquakes), or any other peril originating from outside the product;
  • Defects due to the initial installation, assembly or hookup of Your Product;
  • Cases wherein the manufacturer acknowledges the existence of a valid manufacturer's warranty and denies a claim against the manufacturer's warranty;
  • Claims made under any improperly or incorrectly purchased Protection Plan;
  • Cosmetic damage to case or cabinetry or other non-operating parts or components which does not affect the functionality or the covered product;
  • Television or personal computer monitor screen imperfections, including "burn-in" or burned CRT phosphor;
  • Accidental damage, cracked or damaged monitor, laptop or display screens, liquid damage, lost buttons or knobs etc. unless optional accidental damage from handling (ADH) coverage was offered and purchased at the time of sale with Your Protection Plan;
  • Projector or rear projection TV bulbs unless Bulb Coverage has been offered and purchased at the time of sale with Your Protection Plan;
  • Consumer replaceable or consumable batteries unless Battery Coverage has been offered and purchased at the time of sale with Your Protection Plan;
  • Consumer replaceable or consumable items such as but not limited to toner, ribbons, ink cartridges, drums, belts, printer heads, belts, blades, strings, trim etc.;
  • All equipment intended for heavy commercial or industrial use such as industrial printers or IT equipment; riding mowers or backhoe type products;
  • Product(s) with removed or altered serial numbers;
  • Manufacturer defects or equipment failure which is covered by manufacturer's warranty, manufacturer's recall, or factory bulletins (regardless of whether or not the manufacturer is doing business as an ongoing enterprise);
  • Damage to computer hardware, software and data caused by, including, but not limited to, viruses, application programs, network drivers, source code, object code or proprietary data, or any support, configuration, installation or reinstallation of any software or data;
  • Failures related to shipping damage, cleaning, preventive maintenance, "No Problem Found" diagnosis, intermittent and non-intermittent issues that are not product failures(such as poor cell phone reception);
  • Jewelry or watches that are used or refurbished at the time of purchase;
  • Rattan, wicker, plastic, or non-colorfast fabric furniture; or inherent furniture design defects including, but not limited to, natural inconsistencies in wood grains, fabrics, coloring or leathers; fading due to sunlight; or dust corrosion;
  • Stains, watermarks, or rings on furniture caused by consumable beverages, smoke or other materials deemed by Us to be caustic;
  • Items sold in a private sale (e.g. flea market, yard sale, estate sale, craigslist).

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NO LEMON POLICY

If Your Covered Product has two (2) service repairs completed for the same problem, and a third (3rd) repair is needed for the same problem, within any twelve (12) month period, the Covered Product will be replaced with a comparable product or a cash settlement will be provided. The cost of the replacement will not exceed Your Product's original purchase price.

FREE SHIPPING


This Protection Plan covers all shipping charges to authorized service centers during the Coverage Term, including shipping to the manufacturer if the manufacturer does not cover shipping charges to their facilities. However, we do reserve the right to charge a shipping fee of up to $35.00 if deemed necessary.

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WORLDWIDE SERVICE


The coverage provided in this Protection Plan also applies when You travel outside of the United States. If Your Product needs repair while traveling abroad, You may file a claim online at www.RMG GROUP.com to obtain a claim authorization number. At this time You will be instructed on how to proceed to obtain service and You will also receive a fax number and an email address for You to submit Your service repair invoice to Us after the repair is completed. Once You have obtained Your claim authorization number, You will need to carry Your Product into a service center and then submit to the Us a copy of the detailed service repair invoice that identifies Your Product, the claim authorization number, and includes a thorough description of the repair made. This documentation should be faxed or emailed to Us and the We will reimburse You within five (5) business days of receipt of all necessary paperwork, provided a covered repair was performed.


TRANSFER OF SERVICE AGREEMENT


This Protection Plan may be transferred at no charge. To transfer this Plan, log in to www.RMG GROUPinsurance.com, or contact Us toll-free at 1-866-585-5033 24 hours a day, 7 days a week.

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GUARANTEE

March 15, 2018

This is not an insurance policy. Our obligations under this Protection Plan are guaranteed under a reimbursement insurance policy issued by Ramsey Management Group, Inc. DBA RMG GROUP and/or affiliates. Ramsey Management Group, Inc. DBA RMG GROUP and/or affiliates is located at 5120 Legacy Drive Plano, Texas 75024 and You may contact them toll-free at (866) 585-5033. 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 Ramsey Management Group, Inc. DBA RMG GROUP and/or affiliates.

ARBITRATION

March 15, 2018

Any controversy or claim arising out of or relating to this Protection Plan, or breach thereof, will be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Under this Arbitration provision, We both give up the right to resolve any controversy or claim arising out of or relating to this Protection Plan by a judge and/or a jury. Prior to filing any arbitration, We jointly agree to seek to resolve any dispute between us by mediation conducted by the AAA, with all mediator fees and expenses paid by Us. If You are successful in obtaining an arbitration award against us greater than $500, We agree to pay all arbitrator fees and expenses.

We also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations against each other. The laws of the state of California (without giving effect to its conflict of laws principles) govern all matters arising out of or relating to this Protection Plan and all transactions contemplated by this Protection Plan, including, without limitation, the validity, interpretation, construction, performance, and enforcement of this Protection Plan. A judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The parties specifically agree to the binding nature of the arbitration.

CANCELLATION

March 15, 2018

You may cancel this Protection Plan for any reason at any time. To cancel it, log in to www.RMG GROUP.com or contact Us toll-free at 1-866-585-5033 24 hours a day, 7 days week. If You cancel this Protection Plan within the first thirty (30) days after purchase of this Protection Plan You will receive a 100% refund of the purchase price of the Protection Plan. If You cancel after the first thirty (30) days from purchase of this Protection Plan you herby default your first payment including the setup fee. No fees or past claims shall be deducted from the refund and the refund will be sent to You within ten (10) business days from the cancellation request or else a ten percent (10%) penalty per month shall be applied to the refund.


We may cancel this Protection Plan at Our option on the basis of nonpayment, fraud, or material misrepresentation by You. If We cancel Your Protection Plan, You will not receive a pro rata refund. If this Protection Plan was inadvertently sold to You on a product which was not intended to be covered by this Protection Plan, We will cancel this Protection Plan and return the full purchase price of the Protection Plan to You. Written notice, which includes the effective date of cancelation and reason for cancellation, will be mailed to You at least 7 days prior to termination. If We cancel this Protection Plan for nonpayment then We will provide notice at the time of cancelation.

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ENTIRE CONTRACT

Unless amended by the State Specific Provisions or revised by Us with at least thirty (30) days advance written notice to You, this Protection Plan sets forth the entire contract between the parties. The following state variations shall apply if inconsistent with any other terms and conditions.


California

If You decide to cancel Your Protection Plan for a product other than a home appliance or electronics item within sixty (30) days after the receipt of the Protection Plan You will be refunded the full price paid for the Protection Plan. If You decide to cancel Your Protection Plan for this type of item you will not receive a refund. All Protection Plans for home appliance or home electronics are covered by the "Cancellation" section of the Protection Plan.

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Connecticut 

Resolution of Disputes: If You purchased this Protection Plan in Connecticut, You may pursue arbitration to settle disputes between You and the provider of this Protection Plan. You may mail Your complaint to the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must describe the dispute, identify the price of the product and cost of repair, and include a copy of this Protection Plan. You have the right to cancel this Protection Plan if You return the product or if the product is sold, lost, stolen, or destroyed. If We cancel this Protection Plan, written notice including effective date and the reason for cancellation will be mailed to You electronically or by U.S. Mail at least 30 days prior to termination.

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Florida

The rates charged to You for this Protection Plan are not subject to regulation by the Florida Office of Insurance Regulation. The Guarantee, in Section 16, does not apply to Protection Plans sold in Florida as this Protection Plan is directly issued by the insurer, Ramsey Management Group, Inc. DBA RMG GROUP and/or affiliates, 5120 Legacy Drive Plano, Texas 75024.


Georgia

Cancellation will comply with Section 33-24-44 of the Georgia Code. Failure to refund in accordance with the aforementioned Section will make Us liable for a penalty equal to 25% of refund and interest of 18% per annum until the refund is paid, not to exceed 50% of refund. The waiting period will not exceed 30 days. Arbitration is non-binding. Section 9 (A) "What is Not Covered" of these Terms and Conditions is deleted in its entirety and replaced with the following: Any and all pre-existing conditions known to You that occur prior to the Coverage Start Date of this Protection Plan.

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Nevada

This Protection Plan is not renewable. If We cancel this Protection Plan for nonpayment by You, then We will provide notice at least 15 days prior to the effective date of cancellation. We may cancel this Protection Plan at Our option on the basis of nonpayment, fraud, or material misrepresentation by You. Prior approval of service should be obtained as outlined in the "WHAT TO DO IF A COVERED PRODUCT REQUIRES SERVICE" or "WORLDWIDE SERVICE" sections of the Protection Plan. Section 15 "Arbitration" of these Terms and Conditions is deleted in its entirety.

Waiting Period: This is the amount of time from the Protection Plan Purchase Date during which if any issues occur, they are considered pre-existing conditions and render the item ineligible for coverage under this Protection Plan. To see the length of the Waiting Period, please refer to the ORDER SUMMARY at the top of the first page of this Protection Plan.

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Oklahoma


This Protection Plan is not issued by the manufacturer or wholesale company marketing the product. This Protection Plan will not be honored by such manufacturer or wholesale company. The Oklahoma Service Agreement statutes do not apply to commercial use references in Protection Plan contracts. Coverage afforded under this Protection Plan is not guaranteed by the Oklahoma Insurance Guaranty Association. If You cancel after the first thirty (30) days from purchase of this Protection Plan, You will receive a one hundred percent (100%) unearned pro rata refund based on the time remaining of Your Protection Plan.

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Oregon


If You are a resident of Oregon, the following shall replace Section 15 "Arbitration" of these Terms and Conditions: Any arbitration occurring under this policy shall occur in an agreed upon location by both parties and be administered in accordance with the Arbitration Rules unless any procedural requirement of the Arbitration Rules is inconsistent with the Oregon Uniform Arbitration Act in which case the Oregon Uniform Arbitration Act shall control as to such procedural requirement. Any award rendered shall be a nonbinding award against You. Under no circumstances shall a legal proceeding be filed in a federal, state or local court until such time as both You and We first address our disagreement in an arbitration proceeding and obtain an arbitration award pursuant to this arbitration provision.

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South Carolina

In the event of a dispute with the provider of this Protection Plan, You may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina 29201 or (800) 768-3467. This Protection Plan is not an insurance contract.


Texas

The administrator for this Protection Plan is RMG GROUP, Inc. registration number 155.


Utah 

Replacement parts will be new, rebuilt or non-original manufacturer's parts that perform to the factory specifications of the Covered Product at Our sole option. Coverage afforded under this Protection Plan is not guaranteed by the Property and Casualty Guaranty Association. This Protection Plan is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Notice of cancellation for nonpayment of the purchase price of this Protection Plan will be in writing given at least ten (10) days prior to cancellation.

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Wyoming

March 15, 2018

The provider of the service contract 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 ten (10) days prior to cancellation by the provider. Prior notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by the service contract holder to the provider or a substantial breach of duties by the service contract holder relating to the covered product or its use. Arbitration: If You are a resident of Wyoming, the following shall replace Section 15 "Arbitration" of these Terms and Conditions: At the time of any disagreement, the parties may mutually agree to submit any matters of difference to arbitration by executing a separate written agreement. Any arbitration shall be conducted within the state of Wyoming.

Wisconsin

March 15, 2018

The term "Protection Plan" in these terms and conditions shall be understood to mean "Service Contract". THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. No claim will be denied solely because You failed to obtain preauthorization. This Service Contract, including optional ADH coverage, does not provide coverage for intentional damage and/or pre-existing conditions that occur prior to the Coverage Start Date. Arbitration: The laws of the state of Wisconsin shall govern all matters arising out of or relating to this Service Contract. Arbitration is non-binding. Under no circumstances shall a legal proceeding be filed in a federal, state or local court until such time as both You and We first address our disagreement in an arbitration proceeding and obtain an arbitration award pursuant to this arbitration provision. Cancellation: We shall mail a written notice to You at the last-known address contained in our records at least five (5) days prior to cancellation by Us. This notice will include the effective date of and the reason for the cancellation. In the event of a total loss of property covered by a Service Contract that is not covered by a replacement of the property pursuant to the terms of the Service Contract, You shall be entitled to cancel the Service Contract and receive a pro rata refund on any unearned provider fee, less any claims paid. If a claim has been made under this Service Contract, You may cancel the Service Contract and We shall refund to You one hundred percent (100%) of the unearned pro rata provider fee, less any claims paid.

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Income Loss Claim

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