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TÉRMINOS Y CONDICIONES DEL PLAN DE PROTECCIÓN DE ANTEOJOS ZENNI

  1. INTRODUCCIÓN. Gracias por adquirir un Plan de Protección de Lentes de Zenni Optical, Inc. ("Zenni") ("Plan"). Al adquirir un Plan, aceptas los términos y condiciones establecidos a continuación, incluyendo términos de cobertura, presentación de una reclamación, cancelación y otros términos específicos de tu Estado de residencia.

    Estos términos y condiciones, junto con tu recibo que muestra la compra de tu plan, constituyen el todo el contrato entre tú y Zenni. Si tienes alguna pregunta sobre Tu Plan, por favor envía un email a Zenni a claims@zennioptical.com o llama Zenni en el (800) 211-2105 entre las 5 de la mañana y las 9 de la noche hora del Pacífico, los 7 días de la semana. A Presenta una reclamación, consulta la sección 5 a continuación titulada "CÓMO PRESENTAR UNA RECLAMACIÓN"

  1. DEFINICIONES. A lo largo de estos términos y condiciones, las siguientes palabras en mayúscula tienen el Significado declarado:

    1. "Daño accidental" se refiere a daños físicos, roturas o fallos de Tu producto cubierto debido a un solo evento imprevisto e involuntario. Para obtener cobertura para daños accidentales, y como se especifica a continuación, se le pedirá proporcionar información a Zenni sobre cómo y dónde ocurrió el daño accidental. También puede que se te exija Envía fotografías de los daños físicos, roturas o fallos de Tu Producto Cubierto.

    2. "Producto Cubierto" es el producto cubierto por Tu Plan e incluye los marcos de lentes, lentes para lentes y capas para lentes.

    3. "Plan" se refiere a la cobertura que compraste en el momento de la compra Tu producto cubierto según lo especificado en tu recibo y en estos términos y condiciones. El coste de tu plan aparece en tu recibo.

    4. "Plazo" se refiere al periodo de tiempo que se cumplen las disposiciones de tu plan válido según su recibo. Tu plan es válido desde la fecha en que tu Producto Cubierto es válido entregado a Ti y sigue siendo válido durante el periodo especificado en tu recibo. El término expirará y el Plan quedará anulado cuando Zenni sustituya Tu Producto Cubierto o la expiración del Mandato, lo que ocurra antes. El plazo de tu plan se extenderá hasta 30 días adicionales por cualquier defecto de fabricación en marcos y lentes de lentes, y uno año adicional para cualquier defecto de fabricación en recubrimientos antirreflejantes y fotocromáticos para que también te beneficies de la garantía limitada estándar de Zenni. El término de tu El plan también se extenderá por cualquier periodo de espera.

    5. "Tú" o "Tu" se refiere al consumidor individual que compró el Plan y quién recibirá la cobertura especificada en estos términos y condiciones.

    6. "Periodo de espera" se refiere al periodo de tiempo entre la presentación de un reclamación y el recibo de un reemplazo para tu producto cubierto, un crédito en la tienda o un denegación de tu reclamación, como se explica más adelante.

    7. "Zenni" y "Administrador" se refieren a Zenni Optical, La dirección de Inc. Zenni es [150 Alameda del Prado, Novato, California, 94949], y su teléfono El número es [1-800-211-2105]. También se puede contactar con Zenni por email en service@zennioptical.com.

    8. "Obligado" se refiere a Starr Protection Solutions, LLC ("SPS"), excepto en Florida, Oklahoma y Washington. En Oklahoma y Washington, el obligado es Starr Agencia de Subscripción, Inc. (Licencia de Oklahoma # 44200902) ("SUA"). SPS y SUA están ubicados en 399 Park Avenue, 3ª planta, Nueva York, NY 10022, [(855) 438-2390]. En Florida, el deudor es Starr Indemnity & Liability Company ubicada en 399 Park Avenue, 3ª planta, Nueva York, NY 10022, [(855) 438-2390].

  1. LO QUE SE CUBRE. Tu plan contempla la sustitución total de tu producto cubierto, incluyendo marcos, lentes, capas y películas, causados por (1) defectos en materiales o la mano de obra, (2) desgaste normal, y (3) daños accidentales en la medida en que aún no lo sean cubierto por la política de devolución de Zenni y la garantía estándar respecto a defectos de fabricación. Tu El plan también contempla la sustitución total de tu producto cubierto en la medida en que tu Producto Cubierto El producto tiene lentes comercializadas como resistentes a daños o arañazos y esas lentes desarrollan arañazos o daños que afecten la línea de visión o tu agudeza visual. Todos los reemplazos autorizados por Zenni te será enviada sin ningún costo de envío o manipulación.

    Zenni reemplazará tu producto cubierto como máximo una (1) vez durante el plazo de tu plan. Una vez Tu producto cubierto se reemplaza una vez, tu plan queda anulado.

  1. QUÉ NO ESTÁ CUBIERTO. El daño o la falta de Tu Producto Cubierto no está cubierto por tu plan si:

    1. Cubierto por la garantía estándar de Zenni establecido en su Política de Devoluciones, que proporciona un garantía de que sus lentes estarán libres de defectos de fabricación durante un periodo de 30 días y que los recubrimientos antirreflejantes (AR) y las películas fotocromáticas estarán libres de defectos de fabricación durante un (1) año desde la fecha de compra;

    2. Causado por conducta intencionada, abuso, adulteración (incluyendo, sin limitación, por colocar lentes no Zenni en marcos Zenni o lentes Zenni en marcos no Zenni), modificaciones al Producto Cubierto, manipulación del Producto Cubierto, o reparaciones no autorizadas del Producto Cubierto;

    3. Causado por mascotas, productos químicos o el deterioro de los marcos;

    4. Causada por la flexión o torsión de marcos flexibles o de titanio;

    5. Causado por manipulaciones en los elementos de la marco de los lentes diseñados para cerciorar las lentes y brazos de lentes;

    6. Causado por tu incumplimiento de las instrucciones del fabricante sobre el cuidado adecuado y mantenimiento;

    7. Causado por robos, incendios, inundaciones, terremotos, huracanes, tornados, tormentas de arena, deslizamientos de tierra, desastres naturales, disturbios públicos, disturbios, actos de guerra o actos de Dios;

    8. No se informó durante el periodo del Plan; o

    9. Tu producto cubierto está fuera de los 50 Estados Unidos de América o del Distrito de Columbia.

      Además, Zenni no proporcionará cobertura por daños o incumplimientos de ningún caso o recipientes usados para almacenar tu producto cubierto o cualquier decoración, adornos o monogramas que agregaste a tu producto cubierto tras la compra. Además, tu plan no incluye cobertura para (1) problemas de ajuste del Marco, (2) cambios en tu receta o visual agudeza, o (3) cualquier mantenimiento preventivo.

  1. CÓMO PRESENTAR UNA RECLAMACIÓN

    Para presentar una reclamación, por favor visite https://www.zennioptical.com/warranty-claim, envía un email a claims@zennioptical.com o llama Zenni en el (800) 211-2105 entre las 5 de la mañana y las 9 de la noche hora del Pacífico, los 7 días de la semana. En cualquier por email, por favor proporciona tu nombre, la fecha de compra de tu producto cubierto, una copia de tu Recibo de su plan y el motivo de su reclamación. También puede pedirte que subas fotos de tu producto cubierto.

    Zenni evaluará tu reclamación y aprobará y enviará un reemplazo, pidiendo más información información, o niega tu reclamación.

    Si aceptan tu reclamación, Zenni te proporcionará marcos y lentes de repuesto (así como cualquier película o capas comprado originalmente) que es idéntico a Your Covered Producto o comparable a Tu Producto Cubierto, incluyendo envío y manejo. En el caso Zenni no puede reemplazar Tu Producto Cubierto por un modelo idéntico o comparable, Zenni Te proporcionará un crédito canjeable a Zenni.com por el importe de tu compra original Precio, incluyendo gastos de envío e impuestos.

    Si tu reclamación es denegada, se te proporcionará una razón detallada. Tendrás derecho a Escala la consideración de tu reclamación a un supervisor, quien tomará la decisión final respecto a tu reclamación.

  1. DEDUCIBLES Y COPAGOS. No hay franquicia ni copago para tu plan.

  1. CANCELACIÓN.

    1. Puedes cancelar tu plan por cualquier motivo y en cualquier momento enviando un email claims@zennioptical.com o llamada Zenni en el (800) 211-2105 entre las 5 de la mañana y las 21 horas, hora del Pacífico, los 7 días de la semana. Tú también puede enviar a Zenni un aviso de cancelación a [150 Alameda del Prado, Novato, California, 94949]. Si aplicar la cancelación dentro de los 60 días siguientes a la fecha en que compraste tu plan, y No se presentó ninguna reclamación bajo Tu Seguro, recibirás un reembolso del 100% de la cantidad que pagaste Pagado por tu plan y tu plan quedará anulado. Para cualquier otra solicitud de cancelación hecha más más de 60 días luego de la fecha de compra del Plan, recibirás un reembolso proporcional basado en el plazo restante de tu Póliza, menos el valor de venta al público de cualquier reemplazo de tu Seguro Producto Cubierto

    2. Si cancelas Tu Plan dentro de los 60 días siguientes a la fecha de compra del Plan y no se hizo ninguna reclamación Presentado bajo Tu Plan, se te pagará o se acreditará un reembolso del 100% de la cantidad que pagaste en los 30 días siguientes a la recepción de Tu aviso de cancelación por parte de Zenni. Para los residentes de AL, AR, CA, CO, D.C., HI, MA, MD, ME, MN, MO, NJ, NM, NV, NY, SC, TX, WA, WI y WY, Zenni también pagará una penalización del 10% por cada mes o parte de este que no se pague o te acredite un reembolso dentro de los 30 días siguientes a la recepción de tu aviso de cancelación.

    3. Zenni no puede cancelar Tu Plan salvo por fraude o impago por tu parte, o si es necesario hacerlo Así que por una agencia reguladora. Se presentará un aviso por escrito al menos 30 días antes cancelación de tu último email o dirección física conocida, con la fecha de entrada en vigor de la Cancelación y motivo de la cancelación. Recibirás un reembolso proporcional basado en el plazo restante de tu Póliza, menos el valor de venta de cualquier reemplazo de tu Cobertura Producto.

    4. Si Tu Plan te fue vendido en una jurisdicción donde el Plan no está disponible, Zenni lo hará Cancela tu plan y devuelve el 100% de la cantidad que pagaste por tu plan siempre que lo hiciste no recibió ningún reemplazo para tu producto cubierto.

  1. COBERTURA TERRITORIAL. Tu plan está limitado a los Estados Unidos de América, incluyendo el Distrito de Columbia. El Plan de Zenni no está disponible para la venta fuera de Estados Unidos ni dentro de Estados Unidos los territorios estadounidenses de Guam, Puerto Rico o las Islas Vírgenes de EE. UU.

  1. TRANSFERIBILIDAD. Tu plan no es transferible ni cedible a otros.

  1. RENOVACIONES. Tu plan no es renovable.

  1. SEGURO RESPECTO A TU PLAN: ESTO NO ES UN CONTRATO DE SEGURO; sin embargo, la de Zenni las obligaciones bajo Tu Plan están cercioradas bajo un seguro de reembolso por contrato de servicio Póliza emitida por Starr Indemnity & Liability Company, ubicada en [399 Park Avenue, 2nd Floor, Nueva York, Nueva York, 10022]. Si Zenni no actúa sobre tu reclamación dentro de los 60 días siguientes Al presentar una reclamación, puedes presentar una reclamación ante Starr Indemnity & Liability Company llamando directamente al [1-855-438-2390] y Starr Indemnity & Liability Company lo hará pagar en nombre de Zenni cualquier cantidad que Zenni esté legalmente obligada a pagar conforme a estos Términos y Condiciones que Zenni no cumplió.

  1. LIMITACIÓN DE RESPONSABILIDAD.

    CON LA EXCEPCIÓN DE LAS OBLIGACIONES DE COBERTURA DE ZENNI ESPECIFICADAS EN LA SECCIÓN 3 ANTERIOR, Y A LA EN LA MEDIDA PERMITIDA POR LA LEY APLICABLE, ZENNI RENUNCIA A TODAS LAS GARANTÍAS, EXPRESAS O IMPLÍCITAS, INCLUYENDO, PERO NO LIMITAR A, CUALQUIER GARANTÍA IMPLÍCITA DE COMERCIABILIDAD, APTITUD PARA UN PROPÓSITO PARTICULAR O NO INFRACCIÓN.

    EN NINGÚN CASO ZENNI SERÁ RESPONSABLE ANTE USTED NI ANTE NINGÚN TERCERO POR NINGÚN CASO DIRECTO O INDIRECTO, DAÑOS CONSECUENTES, INCIDENTALES, ESPECIALES O PUNITIVOS, INCLUYENDO DAÑOS POR PÉRDIDA DE BENEFICIO (YA SEA DIRECTA O INDIRECTA) DERIVADAS DE TU COMPRA O USO DE TU PLAN, E INCLUYENDO, PERO NO LIMITADO A: (1) DAÑOS DERIVADOS DE UN RETRASO EN LA CAPACIDAD DE SERVICIOS BAJO TU PLAN, (2) PÉRDIDA DEL USO DE TU PRODUCTO CUBIERTO DURANTE EL PERIODO DE ESPERA, (3) LA NECESIDAD DE OBTENER REEMPLAZO(S) DE TU PRODUCTO CUBIERTO DURANTE EL PERIODO DE ESPERA.

    A PESAR de CUALQUIER COSA EN SENTIDO CONTRARIO CONTENIDA EN ESTOS TÉRMINOS Y CONDICIONES, ZENNI'S RESPONSABILIDAD HACIA TI RESPECTO A CUALQUIER PÉRDIDA O DAÑO QUE SUFRAS Y QUE SURJA DE O EN CONEXIÓN CON ESTOS TÉRMINOS Y CONDICIONES, YA SEA EN CONTRATO, RESPONSABILIDAD CIVIL O POR INCUMPLIMIENTO DE EL DEBER LEGAL O DE CUALQUIER OTRA FORMA NO DEBE EXCEDER EL PRECIO DE COMPRA DE TU PRODUCTO CUBIERTO EXCLUYENDO ENVÍOS E IMPUESTOS.

  1. CANCELLATION

    1. You may cancel this Plan for any reason and at any time by emailing Zenni at {claims@zennioptical.com} or calling Zenni at t {(800) 211-2105} between the hours of 5 a.m. and 9 p.m. Pacific Time, 7 days a week. You may also mail Zenni a notice of cancellation to 150 Alameda del Prado, Novato, California, 94949.

    2. If You request to cancel this Plan within thirty (30) days from the Plan Purchase Date without making any claims (“Free Look Period”), You will be refunded the full Plan Price.

    3. If You request to cancel this Plan within thirty (30) days from the Plan Purchase Date after making a claim or after thirty (30) days from the Plan Purchase Date, You will receive at least a pro-rata refund of the Plan Price based on the elapsed Term, less the costs of any services or claims made.

    4. We may cancel this Plan upon at least thirty (30) days prior written notice. If We cancel this Plan, a pro rata refund of the Plan Price will be issued for the unexpired Term, less the costs of any claims paid. The notice of cancellation will include the reason and the effective date of cancellation.

    5. If this Plan was inadvertently sold to You on a product that was not intended to be covered by this Plan, We may cancel this Plan immediately upon notice and return the full Plan Price to You

    6. In the event of reasonable suspicion of fraud, material misrepresentation, or a substantial breach of Your duties under this Plan, We may cancel this Plan immediately and without prior notice and We may demand immediate payment of the cost of all services provided to You, less Your payments made, and no refund of any kind will be issued.

    7. In the event of non-payment by You, We may cancel this Plan immediately and without prior notice.

  1. MISCELLANEOUS

    1. Transferability. This Plan is nontransferable or assignable by You to a new contract holder.

    2. Subrogation. If We make any payment under this Plan, We are entitled to recover what We paid from other responsible parties. By accepting settlement of a claim, You transfer to Us Your right to recovery against any other party.

    3. Entire Agreement. This Plan represents the entire contract between You and Us with respect to the subject matter herein. Neither the Seller, Administrator, nor any other agent has authority to change this Plan or to waive any of its provisions. No other written or oral statement applies to this Plan. No coverage will be provided under this Plan if any information that You, or anyone claiming benefits hereunder, provides is determined to be false, misleading, or intentionally omitted.

    4. Independent Contractors. We are not a service provider, technician, or product retailer. Any repair, replacement, and supplemental technical support services will be performed by independent, third-party contractors.

    5. Insurance Policy. This Plan is a service contract and not an insurance policy or contract. However, We secure Our fulfillment obligations and risks through an insurance policy issued by Illinois National Insurance Co., 500 W. Madison St., Ste. 3000, Chicago, IL 60661, Ph: (800) 250-3819 in all covered states except for AR, CA, FL, MS, NC, NY, OK, and VA where the insurance policy is issued by New Hampshire Insurance Company, 1271 Ave of the Americas, Floor 41, New York, NY 10020, Ph: (800) 250-3819. If within 60 days We have not paid a claim, provided You with a required refund, or You are otherwise dissatisfied, or We are no longer a going concern, become insolvent, or are otherwise financially impaired, You are entitled under state law to make a claim directly to the insurer by contacting the insurer at the address or phone number listed above. Please enclose a copy of Your Plan when sending correspondence to the insurer

    6. Privacy Policy. We respect Your privacy. For information on Our privacy policy, please visit https://www.aig.com/privacy-policy.

    7. Assignment. We may assign this Plan, in whole or in part, at any time without prior notice to You. We may delegate or assign any of Our obligations at Our sole discretion and without Your consent provided We give You at least 30 days’ prior written notice of any material changes. You may not change this Plan or delegate any of Your obligations.

    8. Changes to the Plan: WE MAY CHANGE THE PLAN PRICE, ADMINISTRATION OF THE PLAN OR THESE TERMS AND CONDITIONS FROM TIME TO TIME UPON THIRTY (30) DAYS WRITTEN NOTICE TO YOU. SUCH NOTICE MAY BE PROVIDED IN A SEPARATE MAILING OR EMAIL OR BY ANY OTHER REASONABLE METHOD. IF YOU DO NOT AGREE TO THE MODIFIED CHARGES OR TERMS OF THE PLAN, YOU MAY CANCEL THE PLAN BY NOTICE TO US OR THE ADMINISTRATOR AT ANY TIME IN ACCORDANCE WITH THESE TERMS AND CONDITIONS. THE PAYMENT OF APPLICABLE CHARGES BY YOU, OR A REQUEST FOR SERVICE UNDER THE PLAN, AFTER RECEIVING SUCH NOTICE OF A CHANGE IN THE CHARGES OR OTHER TERMS AND CONDITIONS WILL BE DEEMED TO BE ASSENT BY YOU TO THE CHANGE(S) IN THE CHARGES, TERMS OR CONDITIONS.

    9. Liability Limitation. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR EMPLOYEES AND AGENTS WILL UNDER NO CIRCUMSTANCES BE LIABLE TO YOU OR ANY SUBSEQUENT OWNER FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES RESULTING FROM OUR OBLIGATIONS UNDER THIS PLAN, INCLUDING THE FOLLOWING: COSTS OF RECOVERING, REPROGRAMMING, OR REPRODUCING ANY PROGRAM OR DATA; FAILUE TO MAINTAIN DATA CONFIDENTIALITY; LOSS OF USE, INCLUDING LOSS OF USE WHILE THE COVERED PRODUCT IS BEING REPAIRED OR REPLACED; OR ANY LOSS OF PROFITS (WHETHER DIRECT OR INDIRECT), REVENUE, OR ANTICIPATED SAVINGS. OUR MAXIMUM LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THIS PLAN SHALL NOT EXCEED THE PLAN’S LIMITS OF LIABILITY, REGARDLESS OF WHETHER THE UNDERLYING ACTION IS IN CONTRACT, TORT, OR ANY OTHER LEGAL OR EQUITABLE THEORY.

    10. Severability. If any provision of this Plan is held invalid, illegal, or unenforceable in any respect under applicable laws, the validity, legality, and enforceability of the remaining provisions of this Plan shall not in any way be affected or impaired thereby.

    1. ARBITRATION & CLASS ACTION WAIVER

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

      YOU, WE AND THE ADMINISTRATOR AGREE TO RESOLVE ANY DISPUTES THROUGH INDIVIDUAL BINDING ARBITRATION INSTEAD OF THROUGH COURTS OF GENERAL JURISDICTION, EXCEPT AS FOLLOWS: ANY DISPUTE FALLING WITHIN THE JURISDICTIONAL SCOPE AND AMOUNT OF APPROPRIATE SMALL CLAIMS COURT MUST BE BROUGHT IN SMALL CLAIMS COURT ON AN INDIVIDUAL BASIS.

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

      This Arbitration Agreement is subject to and governed by the Federal Arbitration Act (“FAA”). This Arbitration Agreement is intended to be broadly interpreted and shall survive any termination or cancellation of this Plan. This Arbitration Agreement applies to Us and this Plan's Insurer, Administrator, and Seller and each of Our respective parents, subsidiaries, affiliates, agents, employees, successors, and assignees.

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

      You agree that all disputes shall be finally settled through binding arbitration administered on a confidential basis by JAMS, in accordance with the JAMS Streamlined Arbitration Rules and Procedures, but excluding any rules or procedures that permit arbitration on a class-wide basis (collectively, the “JAMS Rules”). The JAMS Rules governing the arbitration may be accessed at https://www.jamsadr.com/adr-rules-procedures. The seat of the arbitration will be decided pursuant to the JAMS Rules. You, We and/or the Administrator may elect to appear at the arbitration in person or, if You, We and/or the Administrator agree, to conduct it remotely online via appropriate videoconferencing technology, in lieu of appearing live.

      You will have the right to use legal counsel in connection with arbitration at Your own expense. You, We and/ or the Administrator shall select a single neutral arbitrator in accordance with the JAMS Rules. The arbitrator’s award shall be in writing and provide a statement of the essential findings and conclusions, shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. You, We and the Administrator also agree to implement the JAMS Optional Arbitration Appeal Procedure (as it exists on the effective date of this Agreement) with respect to any final award in an arbitration arising out of or related to this Agreement.

    1. STATE-SPECIFIC DISCLOSURES:

      Arkansas, Georgia, Hawaii, Louisiana, Maryland, Massachusetts, Minnesota, Missouri, Nevada, New Jersey,South Carolina, Wisconsin and Wyoming: The following statement is added to Section 10(c): “If You cancel Your Plan during the Free Look Period without making any claims and do not receive a full refund or credit within fortyfive (45) days of Our receipt of the returned Plan, a ten percent (10%) penalty per month shall be applied to the refund owed to You. The right to void the service contract during the Free Look Period is not transferable and applies only to the original contract purchaser.”

      Arizona: In the event You do not receive satisfaction under this Plan, You may contact the Arizona Department of Insurance and Financial Institutions’ Consumer Protection Division at [100 N. 15 Ave., Suite 261, Phoenix, AZ 85007- 3630] or by calling [602-364-3100]. The following is added to Section 10: “If this Plan is cancelled pursuant to this paragraph, You will receive a pro-rata refund after deducting for claims paid and administration expenses associated with the cancellation. The administrative expenses may not exceed ten percent (10%) of the gross amount paid by You for the Plan or seventy-five dollars ($75), whichever is less.” Section 10(d) through (g) are replaced with the following: “We reserve the right to cancel this Plan upon at least thirty (30) days prior written notice. However, in the event of reasonable suspicion of fraud, material misrepresentation, failure to pay, or a substantial breach of Your duties under this Plan, cancellation may be immediate and without prior notice. We may not cancel or void this Plan for any of the following reasons: (1) Preexisting conditions that were known or that reasonably should have been known by Us or Our subcontractors; (2) prior use or unlawful acts relating to the product; or (3) misrepresentation by Us or Our subcontractors. Neither We, Our assignees, nor Our subcontractors may cancel or void coverage under this Plan due to Our failure to provide correct information or Our failure to perform the services or repairs provided in a timely, competent, and workmanlike manner.” Section 11(h) is deleted in its entirety and replaced with the following: “WE MAY CHANGE THE PLAN PRICE, ADMINISTRATION OF THE PLAN OR THESE TERMS AND CONDITIONS AT RENEWAL FOLLOWING APPROVAL BY THE ARIZONA DEPARTMENT OF INSURANCE AND FINANCIAL INSTITUTIONS AND UPON THIRTY (30) DAYS WRITTEN NOTICE TO YOU. SUCH NOTICE MAY BE PROVIDED AS IN A SEPARATE MAILING OR EMAIL OR BY ANY OTHER REASONABLE METHOD. WE MAY CHANGE THE PLAN PRICE UPON THIRTY (30) DAYS WRITTEN NOTICE TO YOU. SUCH NOTICES MAY BE PROVIDED AS IN A SEPARATE MAILING OR EMAIL OR BY ANY OTHER REASONABLE METHOD. IF YOU DO NOT AGREE TO THE MODIFIED CHARGES OR TERMS OF THE AGREEMENTPLAN, YOU MAY CANCEL THE PLAN BY NOTICE TO US OR THE ADMINISTRATOR AT ANY TIME IN ACCORDANCE WITH THESE TERMS AND CONDITIONS. THE PAYMENT OF APPLICABLE CHARGES BY YOU, OR A REQUEST FOR SERVICE UNDER THE PLAN, AFTER RECEIVING SUCH NOTICE OF A CHANGE IN THE CHARGES OR OTHER TERMS AND CONDITIONS WILL BE DEEMED TO BE ASSENT BY YOU TO THE CHANGE(S) IN THE CHARGES, TERMS OR CONDITIONS”

      Arkansas: A claim against Us may include a claim for the return of the unearned provider fee. Sections 10(d) through (g) are replaced with the following: “We reserve the right to cancel this Plan upon thirty (30) days written notice. However, if the reason for cancellation is nonpayment of the provider fee, material misrepresentation, or a substantial breach of Your duties relating to a Covered Product or its use, We may cancel this Plan immediately without any prior notice to You. Unless the cancellation is for nonpayment, We will provide You with a pro rata refund of the unearned portion of the provider fee, less the amount or value of any claims paid, if We cancel the Plan.”

      California: For information regarding Our privacy practices and Your rights under the California Consumer Privacy Act, please visit https://www.aig.com/privacy-policy. Section 10(b) is replaced with the following: “Cancellation requests made within sixty (60) days from the start of the coverage Term or within thirty (30) days from receipt of the Plan, whichever is later, will receive a 100% refund of the full Plan Price if no claim has been made under the Plan. If You are not refunded or credited the amount You paid within thirty (30) days, a ten percent (10%) penalty per annum will be added to the refund for each thirty (30) days or fraction thereof until the refund is paid. This only applies to the original Plan purchaser and is not transferable.” Section 10(c) is replaced with the following: “For cancellation requests made more than sixty (60) days from the start of the coverage Term or after thirty (30) days from receipt of the Plan, whichever is later, or if a claim was made under the Plan within the first sixty (60) days, You will receive at least a pro-rata refund of the Plan Price based on the elapsed coverage Term. In addition, the Administrator may assess a cancellation or administrative fee, not to exceed ten (10) percent of the price of the Plan or twenty-five ($25) dollars, whichever is less.” This Plan may be canceled by You for any reason, including the Covered Product being sold, lost, stolen or destroyed. California residents may submit complaints to the Bureau of Household Goods and Services (BHGS) by calling (916) 999-2041, or writing to 4244 S. Market Ct. Ste. D, Sacramento, CA 95834, or by visiting www.bhgs.dca.ca.gov.

      Colorado: Action under this Plan may be covered by the provisions of the “Colorado Consumer Protection Act” or the “Unfair Practices Act” articles 1 and 2 of title 6, C.S.R., and a party to such an agreement may have the right of civil action under such laws, including obtaining the recourse or penalties specified in such laws.

      Connecticut: If Your term of coverage is less than one (1) year, this Plan is automatically extended while the product is being repaired. You may cancel this Plan if You return the product or the product is sold, lost, stolen, or destroyed. If We are unable to resolve any disputes with You regarding this Plan, You may file a written complaint to the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must describe the dispute, identify the price of the product and cost of repair, and include a copy of this Plan. In-Home services are available.

      Florida: The rate charged for this Plan is not subject to regulation by the Florida Office of Insurance Regulation. Sections 10(d) through (g) are replaced with the following: “We reserve the right to cancel this Plan upon at least thirty (30) days prior written notice mailed to Your last known address. However, in the event of reasonable suspicion of fraud, material misrepresentation, failure to pay, or a substantial breach of Your duties under this Plan, Our cancellation may be immediate. If We cancel this Plan, We will refund 100% of the unearned pro rata premium, less any claims paid.”

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

      Illinois: Sections 10(d) through (g) are replaced with the following: “We reserve the right to cancel this Plan upon at least thirty (30) days prior written notice. If We cancel this Plan, a pro-rata refund will be issued for the unexpired term, less the costs of any claims paid. However, in the event of reasonable suspicion of fraud, material misrepresentation, failure to pay, or a substantial breach of Your duties under this Plan, cancellation may be immediate and without prior notice. The notice of cancellation will include the reason and the effective date of cancellation. If this Plan is cancelled at any time, We may retain a cancellation fee not to exceed the lesser of 10% of the service contract price or $50. The obligor, AIG WarrantyGuard, Inc., is the party responsible for honoring cancellation requests.”

      Maine: The following is added to Section 10: “If You cancel this Plan during the Free Look Period without making any claims and We do not provide the full refund within forty-five days after Your return of the service contract to Us, a 10% penalty per month will be added to the applicable refund. The right to void the service contract during the Free Look Period is not transferable and applies only to the original contract purchaser.” Section 10(c) is replaced with the following: “If You terminate this Plan within thirty (30) days from the Plan Purchase Date after making a claim or terminate this Plan after thirty (30) days from the Plan Purchase Date, You will receive a pro rata refund based on the time expired, less the cost of any claims made. We may also charge You a reasonable administrative fee, not to exceed 10% of the contract price.” Sections 10(d) through (g) are replaced with the following: “We may cancel this Plan by providing You with at least 15 days prior written notice of cancellation mailed to Your last known address. If We cancel this Plan for any reason other than nonpayment of the provider fee, We will refund 100% of the unearned pro rata provider fee, less any claims paid. We may also charge You an administrative fee for the cancellation, not to exceed 10% of the provider fee.”

      Washington D.C.: The following is added to Section 10: “If You cancel this Plan during the Free Look Period without making any claims and We do not provide the full refund within forty-five days after Your return of the service contract to Us, a 10% penalty per month will be added to the applicable refund. The right to void the service contract during the Free Look Period is not transferable and applies only to the original contract purchaser.” Section 10(c) is replaced with the following: “If You terminate this Plan within thirty (30) days from the Plan Purchase Date after making a claim or terminate this Plan after thirty (30) days from the Plan Purchase Date, You will receive a pro rata refund based on the time expired, less the cost of any claims made. We may also charge You a reasonable administrative fee, not to exceed 10% of the contract price.”

      Minnesota: Sections 10(d) through (g) are replaced with the following: “We reserve the right to cancel this Plan upon thirty (30) days written notice. However, in the event of reasonable suspicion of fraud, material misrepresentation, failure to pay, or a substantial breach of Your duties under this Plan, cancellation may be made upon at least five days written notice to You. If We cancel this Plan, a pro-rata refund will be issued for the unexpired term, less the costs of any claims paid. In the event of cancellation for reasonable suspicion of fraud or material misrepresentation, We may demand immediate payment of the cost of all services provided to You, less any payments made, and no refund of any kind will be issued. The notice of cancellation will include the reason and the effective date of cancellation.”

      Nevada: Sections 10(d) through (g) are replaced with the following: “You are entitled to a “Free Look” period for this Plan. If Your Plan does include a WAIT PERIOD and You decide to cancel this Plan within thirty (30) days of purchase, You are entitled to a one hundred percent (100%) refund of any fees paid. If Your Plan is not subject to a WAIT PERIOD and You have not made a claim, You may cancel this Plan within the first thirty (30) days of receipt and receive a full refund. Otherwise, if You have made a claim or If You cancel this Plan after thirty (30) days from purchase, Your Coverage will terminate and You will receive a pro-rata refund based on the days remaining. No cancellation of this Plan by Us may become effective until at least fifteen (15) days after a notice of cancellation is mailed to You at Your last known address. If the contract has been in effect for seventy (70) days or more, We can only cancel this 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 Plan, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the 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. If We cancel this Plan You will receive a pro-rata refund based on the days remaining, no cancellation fee will be imposed and no deduction for claims paid will be applied. The EXCLUSIONS section contains exclusions and limitations to coverage but not reasons for which the contract itself may be cancelled. No deductions of any type shall be made from any refund owed as a result of cancellation or buyout.” 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]. Section 11(h) is deleted in its entirety and replaced with the following: “WE MAY CHANGE THE ADMINISTRATION OF THE PLAN OR THESE TERMS AND CONDITIONS AT RENEWAL FOLLOWING APPROVAL BY THE NEVADA DEPARTMENT OF INSURANCE AND FINANCIAL INSTITUTIONS AND UPON THIRTY (30) DAYS WRITTEN NOTICE TO YOU. WE MAY CHANGE THE PLAN PRICE AT RENEWAL UPON THIRTY (30) DAYS WRITTEN NOTICE TO YOU. SUCH NOTICES MAY BE PROVIDED AS IN A SEPARATE MAILING OR EMAIL OR BY ANY OTHER REASONABLE METHOD. IF YOU DO NOT AGREE TO THE MODIFIED CHARGES OR TERMS OF THE PLAN, YOU MAY CANCEL THE PLAN BY NOTICE TO US OR THE ADMINISTRATOR AT ANY TIME IN ACCORDANCE WITH THESE TERMS AND CONDITIONS. THE PAYMENT OF APPLICABLE CHARGES BY YOU, OR A REQUEST FOR SERVICE UNDER THE PLAN, AFTER RECEIVING SUCH NOTICE OF A CHANGE IN THE CHARGES OR OTHER TERMS AND CONDITIONS WILL BE DEEMED TO BE ASSENT BY YOU TO THE CHANGE(S) IN THE CHARGES, TERMS OR CONDITIONS.

      New Jersey: The use of refurbished, reconditioned, or non-original manufacturer’s parts is permitted.

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

      Oklahoma: This is not an insurance contract. Coverage afforded under this Plan is not guaranteed by the Oklahoma Insurance Guaranty Association. Oklahoma service warranty statutes do not apply to commercial-use references in a service warranty contract. This Plan is not issued by the manufacturer or wholesaler company marketing the product. The Obligor is AIG Warranty Services of Florida, Inc., Oklahoma License No. 44200930. The term “etc.” is stricken from this contract. Sections 10(b) through (g) are replaced with the following: “If Your Plan is subject to a WAIT PERIOD and You cancel this Plan within the first thirty (30) days of receipt, You will receive a full refund. If Your Plan is not subject to a WAIT PERIOD and You have not made a claim, You may cancel this Plan within the first thirty (30) days of receipt and receive a full refund. Otherwise, if You have made a claim or If You cancel this Plan after thirty (30) days, Your Coverage will terminate, and You will receive a refund based on one hundred percent (100%) of the unearned pro rata premium, less a cancellation fee of ten percent (10%) of the unearned pro rata premium. No claim incurred or paid, nor any repair made, will be deducted from the amount to be returned in the event of cancellation. We may not cancel this Plan except for reasonable suspicion of fraud, material misrepresentation, or nonpayment by You. Notice of such cancellation will be mailed to You at least thirty (30) days prior to cancellation. If We cancel this Plan, We will refund one-hundred percent (100%) of the unearned pro-rata premium.

      Oregon: AIG WarrantyGuard, Inc.’s license number in Oregon is 208059. Section 12 is deleted in its entirety and replaced with the following: “Most of Your concerns about the Plan can be addressed simply by contacting Us at [800- 250-3819]. In the event we cannot resolve any dispute, You and We may, in a separate agreement, consent to arbitration. Any arbitration proceedings shall be conducted under local rules as required under ORS Chapter 36. 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.” In the event of an emergency and service is required for the Breakdown of Your Covered item outside of the Administrator’s normal business hours, You may arrange for a licensed repair provider of Your choice to perform the repair and submit the invoice to Us for reimbursement in accordance with the Plan terms.

      South Carolin: In the event of a dispute with the provider of this contract, You may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina, 29201, Telephone #: (803) 737-6160.

      Texas: A ten (10%) percent penalty per month will be added to a refund that is not made within forty-five (45) days of return of the Plan to Us. You may cancel this Plan after the time periods above or after You have made a claim for service by returning the Plan to the Administrator and receive a pro-rata refund of the Plan price less any claims that have been paid. Unresolved complaints concerning a provider or questions concerning the registration of a service contract provider may be addressed to the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711, (512) 463-6599 or (800) 803-9202 (in Texas). The Provider is AIG WarrantyGuard, Inc., 500 W. Madison Street, Ste. 3000, Chicago, IL 60661.

      Utah: This Plan is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this Plan is not guaranteed by the Property and Casualty Guarantee Association. Proof of loss should be furnished by You to Us as soon as reasonably possible. Failure to furnish such notice or proof within the time required by this Plan does not invalidate or reduce a claim. Sections 10(d) through (g) are replaced with the following: “We may cancel this Plan during the first sixty (60) days of the initial term by mailing to You a notice of cancellation at least thirty (30) days prior to the effective date of cancellation, except that We may also cancel this Plan during such time period for nonpayment of premium by mailing You a notice of cancellation at least ten (10) days prior to the effective date of cancellation. After sixty (60) days have elapsed, We may cancel the Plan by mailing a cancellation notice to You at least ten (10) days prior to the cancellation date for cancellations due to nonpayment of premium, and thirty (30) days prior to cancellation date for any of the following reasons: (a) Material misrepresentation; (b) substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Plan; or (c) substantial breaches of contractual duties, conditions, or warranties.” The following is added to Section 12: “ANY MATTER IN DISPUTE BETWEEN YOU AND THE COMPANY MAY BE SUBJECT TO ARBITRATION AS AN ALTERNATIVE TO COURT ACTION PURSUANT TO THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION OR OTHER RECOGNIZED ARBITRATOR, A COY OF WHICH IS AVAILABLE ON REQUEST FROM THE COMPANY. ANY DECISION REACHED BY ARBITRATION SHALL BE BINDING UPON BOTH YOU AND THE COMPANY. THE ARIBRTRATION AWARD MAY INCLUDE ATTORNEY’S FEES IF ALLOWED BY STATE LAW AND MAY BE ENTERED AS A JUDGEMENT IN ANY COURT OF PROPER JURISDICATION.” In the event emergency service is required for the Covered Breakdown of Your Covered Item outside of the Administrator’s normal business hours, You may arrange for a licensed repair provider of Your choice to perform the repair and submit the invoice to Us for reimbursement in accordance with the Plan terms.

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

      Washington: Sections 10(d) through (g) are replaced with: “In the event of nonpayment, reasonable suspicion of fraud, material misrepresentation or if required to do so by a regulatory authority, We may cancel this Plan with twenty-one (21) days prior written notice. A pro rata refund will be issued for the unexpired coverage Term, less the costs of any claims paid. The notice of cancellation will include the reason and the effective date of cancellation.” You are not required to wait before filing a claim directly with the insurer of this Plan. The commissioner is the Provider’s attorney to receive service of legal process in any action, suit, or proceedings in any court. The obligations of the Provider under this Plan are insured by Illinois National Insurance Co., 500 W. Madison St., Ste. 3000, Chicago, IL 60661. You may make a claim directly with Illinois National Insurance Co. who insures the obligations of the Provider under this Plan at the foregoing address. Any arbitration proceedings initiated, brought, or required under Section 14 of this Plan will be held at a location in closest proximity to the service contract holder’s permanent residence.

      Wisconsin Residents: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. Section 10(c) is replaced with the following: “If You cancel this Plan within thirty (30) days from the Plan Purchase Date after making a claim or cancel this Plan after thirty (30) days from the Plan Purchase Date, Your Coverage will terminate at the end of Your current Term and We will refund 100% of the unearned pro rata provider fee, less the costs of any claims made and a reasonable administrative fee for cancellation, not to exceed 10% of the provider fee.” Section 10(d) through (g) is replaced with the following: “We may only cancel this Plan for nonpayment of the provider fee, material misrepresentation by You to Us or the Administrator, or substantial breach of duties by You relating to the covered product or its use. We will mail written notice of cancellation to Your last known address at least five (5) days prior to cancellation by Us, which shall state the effective date of cancellation and the reason for cancellation. If We cancel this Plan for any reason other than nonpayment of the provider fee, We will refund 100% of the unearned pro rata provider fee, less any claims paid and a reasonable administrative fee for cancellation, not to exceed 10% of the provider fee.” The following is added to Section 10: “In the event of total loss of covered property that is not covered by a replacement of the property under this Plan, You may cancel this Plan and receive a pro rata refund of any unearned provider fee, less any claims paid.” We will not deny Your claim solely because You did not obtain preauthorization if We are not prejudiced by Your failure to notify Us. The “Subrogation” section does not apply to Wisconsin. The service contract provider is AIG WarrantyGuard, Inc. 500 W. Madison Street, Ste. 3000, Chicago, IL 60661. Obligations of the provider under this service contract are insured under a service contract reimbursement insurance policy.

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