Terms and Conditions

General Provisions Firearm Service Plan

Please keep this important terms and conditions document (“Service Contract”) in a safe place, as it may be needed at the time of Claim. This document along with the receipt document (paper or e-mail) provided to You as proof of Your product and contract purchase, (the "Purchase Receipt"), constitutes the entire Service Contract between Us and You.

Throughout this Service Contract, the words "We", "Us" and "Our" means the party or parties obligated to provide service under this Service Contract who is Starr Protection Solutions, LLC (“SPS”), except in Florida, Oklahoma and Washington. In Oklahoma and Washington, the obligor is Starr Underwriting Agency, Inc. (Oklahoma License # 44200902) (“SUA”). SPS and SUA are located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390].

In Florida, the obligor is Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. The words "You" and "Your" refer to the purchaser of the product covered by this Service Contract or to the person to whom this Service Contract was properly transferred. “Administrator” means the entity that is appointed by and/or contracted by Us to render certain administrative services to You under this Service Contract, who is After, Inc., PO Box [886] Norwalk, CT 06852-[0886], [1-866-855-5925]. “Covered Product(s)” or “Product(s)” is the product or type of product covered by this Service Contract. "Failure" refers to an operational or mechanical breakdown to Your covered product that occurs during normal use.
1. TERM AND COVERAGE:
  
  TERM OF COVERAGE: The term of the coverage begins on the date set forth on the declarations page and continues for the period indicated on the declarations page (“Expiration Date”). This plan is inclusive of the manufacturer’s warranty; it does not replace the manufacturer’s warranty. After the manufacturer’s warranty expires, this Service Contract provides additional coverage through the Coverage Term. This Service Contract does provide certain enhanced benefits during the manufacturer's warranty period as outlined below. These enhanced benefits begin on the date of the Service Contract purchase and continue until expiration of the Service Contract. Our obligations under the Service Contract will be considered fulfilled if We provide You with a replacement product or a reimbursement for the original purchase price of Your Product. The Coverage Term of the Service Contract is extended for the duration of any time that the Product is being repaired under the Service Contract.
  
  WHAT IS COVERED: Mechanical or Electrical Breakdown - failure of a Covered Product to perform its intended function due to failure or breakdown of mechanical or electrical components, including defects in materials or workmanship and normal wear and tear; occurring during normal use of the Covered Product. Mechanical or Electrical Breakdown is only provided on those Covered Products indicated on the Service Contract declarations page.
  1. REPLACEMENT PLAN:
    1. WHAT IS COVERED: At Our determination, when Your Covered Product experiences a Failure, damage resulting from Power Surge, or Accidental Damage from Handling (ADH) if applicable to Your Covered product and as noted on your declarations page, You will receive reimbursement for replacement of Your Product in the form of a [gift card] equal to the original purchase price paid by You for Your Covered Product; excluding any sales tax. When purchased, this plan provides for a one-time replacement of Your original Covered Product in the event of a covered Claim.
  2. REPAIR PLAN:
    1. WHAT IS COVERED: At Our determination, We will furnish labor, parts, and/or replacement components (or pay for same) necessary to repair Your Covered Product when it experiences a Failure, damage resulting from Power Surge, or Accidental Damage from Handling (ADH) if applicable to Your Covered Product and as noted on your declarations page. The Covered Product under this Service Contract only includes the Product as it was originally configured and paid for under this Service Contract, and coverage includes only the parts that are necessary to the functionality of the Covered Product
2. ADDITIONAL ENHANCED BENEFITS UNDER THIS SERVICE CONTRACT:
  This Service Contract may provide coverage for:
  1. POWER SURGE - damage to a Covered Product resulting from an oversupply of voltage to Your Covered Product while properly connected to a surge protector approved by the Underwriter’s Laboratory Inc. (UL), Certain exclusions may apply.
  2. ACCIDENTAL DAMAGE FROM HANDLING (ADH) - Provides coverage for the damage to Your product resulting from accidental damage from handling, such as unintentional dropping of the product, or in association with screen breakage or liquid spillage. In order to validate an ADH claim, You will be required to provide an explanation of where, when and how the accident occurred, as well as a detailed description of the actual event. Failure to provide this information may result in claim denial. ANY RESULTANT INCIDENTAL OR CONSEQUENTIAL DAMAGE ARISING FROM AN ADH CLAIM IS NOT COVERED BY THIS SERVICE CONTRACT.
  3. BAGS/SLEEPING BAGS - Provides coverage for failure of the covered product to perform its intended function due to failure or breakdown of straps, handles, telescope handles, wheels, clasps, zipper and seam separation, including defects in materials or workmanship and normal wear and tear.
3. YOUR RESPONSIBILITIES:
  1. You can retain and provide Us with a complete copy of proof of purchase. You can register and upload a digital copy at [www.Safeguard.Sportsmans.com] and We can store it for You, or You can provide such proof of purchase at the time You make a claim.
  2. If specified in the Covered Product’s manufacturer’s warranty and/or owner’s manual, You must perform all of the care, maintenance and inspections for the Covered Product as indicated. Proof of the completion of such maintenance, care and/or inspection services may be required at time of Claim. If Your Product becomes damaged, You must take necessary steps to protect against any further damage. If We determine that any loss or damage has occurred as a direct result of not performing any of the foregoing, Your claim will be denied.
4. IMPORTANT DISCLOSURES REGARDING “WHAT IS COVERED” AND MANUFACTURERS WARRANTY:
  Coverage described in this Service Contract will not replace or provide duplicative benefits during any active manufacturer’s warranty period. During such period, anything covered under the manufacturer’s warranty is the sole responsibility of the manufacturer and will not be considered under this Service Contract, even if you fail to report it to the manufacturer or if the manufacturer fails to provide coverage. This Service Contract provides additional benefits during the manufacturer’s warranty term. If a Covered Product is still within any portion of the manufacturer’s warranty You should look first to the manufacturer’s warranty for coverage and then to this Service Contract for coverages not provided by the manufacturer if provided in this Service Contract
5. WHAT TO DO IF YOU REQUIRE SERVICE: Your Service Contract must be paid in full in order for the Administrator to schedule service.
  1. You must obtain prior authorization by submitting a claim at [www.Safeguard.Sportsmans.com] or by calling the Administrator at [1-866-855-5925].
  2. At the time You make a claim, You may be asked to provide the sales receipt showing the purchase date of the Product and for the Service Contract.
  3. You will be required to answer a series of questions regarding the product's damage or Failure in order to obtain authorization.
  4. Once authorization is obtained:
    1. For Replacement Plans:You will be required to return the product using a prepaid shipping label provided by the Administrator. At Our determination, You will receive reimbursement in the form of a gift card or cash settlement up to the original purchase price paid by You for Your covered product; excluding any sales tax. At Your request, non-covered products will be returned to You at Your cost.
    2. We will arrange for service and We will cover the reasonable parts and labor costs that We authorize. Repair service will be provided, at Our sole discretion, either through an authorized carry-in repair facility, an in home repair service visit, or mail-in to Our depot repair facility. If carry-in service is required, You will be required to transport Your product to an authorized repair facility. If mail-in depot repair service is required, We will cover the cost of shipping Your product to and from the depot repair facility.
  5. PARTS: We may, at Our option and discretion, repair, replace or exchange Your covered product with an equivalent product of equal kind and quality, that is new or refurbished. Replacement parts will be new, rebuilt or non-original manufacturer's parts that perform to the factory specifications at Our sole option. Repair services may also be performed by subcontractors authorized by Us, but We shall not be relieved of Our obligations to You when doing so.
  6. IMPORTANT NOTE: Repairs recommended by a repair facility that are not necessitated by a Failure are not covered, unless specifically authorized by the Administrator. We reserve the right to inspect the items to be covered, or the items covered, as the case may be, prior to coverage or during the term of this Service Contract. Model number, serial number and original date of purchase of all products to be covered must be provided to execute authorization for service. If You request a service call for a non-covered repair, You will be responsible for all costs associated with the repair. In the event You are unable to meet the servicer, You must call to cancel the appointment in advance of the agreed upon time of service. If the product is found to be performing to the manufacturer's specifications, it will be returned to You.
  7. DEDUCTIBLE: If a deductible is required, the deductible amount will be stated on Your Declarations Page under the title Deductible. The Retailer, the servicer, or the Administrator will collect this amount prior to any service being performed.
WHAT IS NOT COVERED (GENERAL EXCLUSIONS): AS RELATED AND APPLICABLE TO THE COVERED PRODUCT(S), SPECIFIC EXCLUSIONS RELATED TO EACH COVERED PRODUCT, (IF ANY) ARE INDICATED WITH THE PRODUCT. THIS SECTION PROVIDES EXCLUSIONS THAT APPLY TO ALL COVERED PRODUCTS. THIS CONTRACT DOES NOT COVER ANY FAILURE, DAMAGE, REPAIRS OR LOSS IN CONNECTION WITH OR RESULTING FROM:
1. Pre-existing condition known to You. “Pre-existing condition” refers to a condition that within all reasonable mechanical or electrical probability, relates to the mechanical fitness of the Product before the Contract Start Date;
2. Any Claim for service to or replacement of the Covered Product that We have not prior authorized;
3. Failure or damage of non-operational components such as but not limited to: case or body housings and frames, wheel covers, cabinetry and cabinet frames, decorative finishing, door liners, glass, handles, knobs, masks, racks, rollers or wheels, shelves, drawers, and cosmetic damage that does not impede the functionality of the Covered Product;
4. Seized or damaged parts resulting from failure to maintain proper quality, type, or levels of lubricants or coolants, failures resulting in the use of contaminated or improper lubricants, failures resulting from stale, contaminated, or improper fuel, failure resulting from freezing or overheating;
5. Product(s) with safety feature(s) removed, bypassed, disabled, or altered;
6. Merchandise that has been confirmed by Our authorized servicer to have removed or altered serial numbers;
7. Initial delivery or installation costs associated with the purchase of Your Covered Product;
8. Fortuitous events; including, but not limited to: environmental conditions, exposure to weather conditions or perils of nature; collapse, explosion or collision of or with another object; fire, any kind of precipitation or humidity, lightning, dirt/sand, smoke, nuclear radiation, radioactive contamination, riot, war or hostile action;
9. Breakdown or damage covered under any other insurance, warranty, guarantee and/or service agreement;
10. Any merchandise that has been used by a business, enterprise or education institution, or for any commercial or organizational purposes; Any work that cannot be performed in a safe manner;
11. Correction or upgrade of the Product or System in order to comply with Federal, State, or Local Codes whenever no operational failure has occurred;
12. Abuse (meaning, the intentional mistreatment of a Covered Product in a harmful, injurious, malicious or offensive manner which results in its damage and/or breakdown), neglect, negligence, misuse, intentional harm or malicious mischief of or to a Covered Product; Theft, LOSS or mysterious disappearance, unforeseen disappearance or vandalism of or to the Covered Product; Rust, corrosion, warping, bending, animals, animal inhabitation or insect infestation;
13. Operation outside the manufacturer operational or environmental specifications; FAILURE TO FOLLOW THE MANUFACTURER’S INSTRUCTIONS
14. Product upgrades;
15. Damage to computer hardware, software, or data arising or resulting from causes including, but not limited to: viruses, programs or applications (whether malicious or otherwise), encryption (whether authorized or unauthorized), network drivers, source code, object code, proprietary data, or any support, configuration, installation or reinstallation of any software or data;
16. Any consumer replaceable items designed to be replaced over time during the life of a Covered Product; including, but not limited to: lamps, bulbs, housings, fuses, fluids, hoses, batteries, belts, connectors, filters, bags, lint screens, adaptors and remote controls not sold separately;
17. Improper removal or installation of replaceable components, modules, parts or peripherals and/or installation of incorrect parts; Periodic or preventative maintenance, cleanings and alignments ;
18. Lack of providing manufacturer’s recommended maintenance or operation/storage of the Covered Product in conditions outside manufacturer specifications, or use of the Covered Product in such a manner as would be voidable coverage under the manufacturer’s warranty, or use of the Covered Product in a manner inconsistent with its design or manufacturer specifications;
19. Any kind of manufacturer recall or rework order on the Covered Product, of which the manufacturer is responsible for providing, regardless of the manufacturer’s ability to pay for such repairs.
20. Notwithstanding any provision to the contrary, this Service Agreement excludes any loss, damage, liability, expense, fines, penalties or any other amount directly or indirectly caused by, in connection with, or in any way involving or arising out of any of the following- including any fear or threat thereof, whether actual or perceived: Any infectious disease, virus, bacterium or other microorganism (whether asymptomatic or not); Or Coronavirus (COVID-19) including any mutation or variation thereof; Or Pandemic or Epidemic, as declared as such by the World Health Organization or any Governmental Authority.
21. Loss or damage due to the elements or acts of God
22. Loss or damage due to war, invasion or act of foreign enemy, hostilities, civil war, rebellion, riot, strike, labor disturbance, lockout or civil commotion
23. Damage which is not reported within thirty (30) days after expiration of this plan
24. Damage caused by unauthorized repair personnel
25. Products that are not listed on this plan
26. “NO PROBLEM FOUND” diagnosis or failure to follow the manufacturer’s instructions
  1. Service or replacement outside of the United States
  2. Liability or damage to property, or injury or death to any person arising out of the operation, maintenance or use of the product
  3. Damages caused by improper preventative maintenance
  4. Any software, including but not limited to, application programs, network programs, or any support, configuration, installation or reinstallation of any software or data
IN ADDITION TO THAT WHICH IS NOTED ABOVE, 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 COVERED PRODUCT, OR FROM DELAYS IN SERVICE OR THE INABILITY TO RENDER SERVICE OR RESULTING FROM THE UNAVAILABILITY OF REPAIR PARTS OR COMPONENTS.

IMPORTANT: RESTORATION OR TRANSFER OF SOFTWARE AND/OR DATA, AND DATA RECOVERY SERVICES ARE EXPRESSLY EXCLUDED UNDER THIS SERVICE CONTRACT. WHEN AT ALL POSSIBLE, WE STRONGLY ENCOURAGE YOU TO BACK UP ALL SOFTWARE AND DATA ON A REGULAR BASIS AND ESPECIALLY PRIOR TO SUBMITTING YOUR COVERED PRODUCT FOR SERVICING PURSUANT TO THE TERMS AND CONDITIONS OF THIS CONTRACT.
NO LEMON POLICY: During the term of this Service Contract, when three service repairs, with three separate claim numbers, have been completed on the same component, and that same component requires a fourth repair, as determined by Us, Your Product will be replaced according to the terms in the Limit of Liability section. This does not include repairs necessary during the manufacturer's warranty period or previous service contract terms.

TRANSFERABILITY: This Service Contract is transferable by the original purchaser for the balance of the Service Contract to any person in the United States at no charge. The covered Product may be transferred by mailing information to the Administrator at After, Inc. PO Box [886] Norwalk, CT 06852-[0886], including a copy of the sales receipt showing the purchase date of the Product, the Service Contract reference number, the date of new ownership and the new owner’s name, complete address, email and telephone number. Coverage is effective upon receipt of written notice by the Administrator.

RENEWABILITY: If You wish to renew coverage under this Service Contract, please contact the Administrator prior to the expiration of Your current term. Renewability is determined at Our sole discretion and may not be available. Neither You, the retailer, nor We are obligated to renew this Service Contract beyond its original term.

LIMIT OF LIABILITY: The maximum liability owed to You under the Service Contract will not exceed the original purchase price paid by You for Your covered product; excluding any sales tax. We, at Our sole discretion, will determine if (a) replacement of Your product with a product with equivalent specifications, (b) reimbursement for the current market value of the product with equivalent specifications, or (c) reimbursement for the retail value of the product as of the product purchase date, less claims made, minus sales tax, will be made in lieu of service repairs. Replacement of Your product will have satisfied all obligations owed to You and coverage will then no longer be available under this Service Contract

CANCELLATION: You may cancel this Service Contract at any time by informing the Administrator of Your cancellation request.

IF YOU CANCEL THIS SERVICE CONTRACT:
1. Within 30 days of the Contract Start Date, You will receive a 100% refund of the Contract Fee paid minus any claims paid.
2. After 30 days from the Contract Start Date:
  1. If You paid the full Contract Fee for the entire Contract Term, You will receive a refund equal to the pro-rata amount paid for the time remaining on Your current Contract Term, minus any claims paid in the current Contract Term, or
  If Your refund is not paid or credited within thirty (30) days after We receive Your cancellation request, We will add an extra 10% to Your due refund for every thirty (30) days the refund is not paid by Us.
NOTICE: If You cancel this Service Contract during a time in which there are unpaid Contract Fee charges due from You; regardless of whether such payments are currently due or overdue, We reserve the right to deduct any or the entire portion of any such unpaid amounts from Your refund, if any. If Your calculated refund results in You owing Us payment for services provided in advance of Our receipt of Your due Contract Fee, We may bill You for the lesser of the net amount due to Us or the remaining unpaid Contract Fee. We will bill You any balance owed to Us through the same mechanism as any previous installment billings, or We will direct the bill.

WE MAY CANCEL THIS CONTRACT FOR:
1. Non-payment of the Contract Fee by You;
2. Material misrepresentation by You; or
3. Substantial breach of duties under this Contract by You in relation to the Covered Product or its use.
If We cancel this Service Contract, We will provide written notice to You at least 30 days prior to the effective date of cancellation. Such notice will be sent to Your current address in Our file (email or physical address as applicable), with the reason for and the effective date of such cancellation. If We cancel this Service Contract, You will receive a pro-rata refund based upon the same criteria as above. If however, this Service Contract was inadvertently sold to You on a product which was not intended to be covered, or eligible for coverage under this Service Contract, the Service Contract will be canceled and You will receive a full refund of the Contract Fee paid.

RIGHT TO RECOVER FROM OTHERS: If We make any payment under this Service Contract and You have a right to recover against another party, Your rights shall become Our rights. You shall do whatever is reasonably necessary to enable Us to enforce these rights. We shall recover only the excess after You are fully compensated for Your loss.

DISPUTE RESOLUTION: Most disputes or disagreements between You and Us arising under this Service Contract can be resolved quickly by contacting the Administrator in writing at the address noted. The parties will attempt to resolve any dispute arising out of or related to these program terms through good faith negotiation.

The following clause applies to the maximum extent permitted by the applicable law. In the unlikely event We are unable to resolve a dispute We have with You after attempting to do so informally, You and We agree to resolve such disputes through final and binding arbitration in accordance with the rules of the Judicial Arbitration and Mediation Services “JAMS” in the United States. Each party will bear its own costs in arbitration, provided that We reserve the right, in Our discretion, to pre-pay certain fees You may incur in connection with the arbitration subject to refund if You do not prevail. Both parties waive their rights to a jury trial. Unless We and You agree otherwise, any arbitration hearings will take place in the State where You purchased Your Product.

The following clause applies to the maximum extent permitted by the applicable law. In the unlikely event We are unable to resolve a dispute We have with You after attempting to do so informally, You and We agree to resolve such disputes through final and binding arbitration in accordance with the rules of the Judicial Arbitration and Mediation Services “JAMS” in the United States. Each party will bear its own costs in arbitration, provided that We reserve the right, in Our discretion, to pre-pay certain fees You may incur in connection with the arbitration subject to refund if You do not prevail. Both parties waive their rights to a jury trial. Unless We and You agree otherwise, any arbitration hearings will take place in the State where You purchased Your Product.

ENTIRE CONTRACT: This document along with your purchase receipt sets forth the entire contract between the parties and no representation, promise, or condition not contained herein shall modify these terms.

DISCLAIMER OF WARRANTIES, REPRESENTATIONS AND GUARANTEES: WE PROVIDE TOTAL CARE AND ANY SERVICES PROVIDED OR ATTEMPTED HEREUNDER “AS IS,” WITH ALL FAULTS, AT YOUR SOLE RISK. WE DO NOT EXTEND ANY EXPRESS WARRANTIES, REPRESENTATIONS, CONDITIONS OR GUARANTEES REGARDING TOTAL CARE OR ANY RESULTS THEREOF. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW AND SUBJECT TO ANY STATUTORY WARRANTIES THAT CANNOT BE EXCLUDED, WE EXPRESSLY DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING ANY IMPLIED WARRANTY OR CONDITION OF MERCHANTABILITY, WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, OR WARRANTY OF ACCURACY OR COMPLETENESS WITH RESPECT TO THIS SERVICE CONTRACT. If You have any questions, require customer service, or wish to report a claim, please visit: [www.Safeguard.Sportsmans.com], or contact the Administrator at [1-866-855-5925].

SPECIAL STATE DISCLOSURES: Regulation of service plans may vary widely from state to state. Any provision within this Agreement, which conflicts with the laws of the state where You reside, shall automatically be considered to be modified in conformity with applicable state laws and regulations as set forth below. The following state specific requirements apply if Your Protection Plan was purchased in one of the following states and supersede any other provision within Your Protection Plan terms and conditions to the contrary.

ALABAMA only: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. If You cancel this Protection Plan after the first 20 days, You will receive the unearned portion of the full purchase price of this Protection Plan, less an administrative fee of up to twenty-five dollars ($25.00). To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) per month on a refund that is not paid or credited within forty-five (45) days after return of the Protection Plan to the Obligor. Obligations of the Obligor are backed by the full faith and credit of the Obligor, as well as by a service contract reimbursement policy. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company, who insures the Obligor’s obligations under this Protection Plan, at [(855) 438-2390] or 399 Park Ave 3rd Floor, New York, NY 10022. These provisions apply only to the original purchaser of this Protection Plan. In the event the Obligor cancels this Protection Plan, the Obligor will mail a written notice to You at Your last known address at least five (5) days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee or a material misrepresentation by You relating to the covered property or its use.

ARIZONA only Definitions: A “Consumer” means a contract holder, inclusive of a buyer of the Covered Product (other than for re-sale), any person to whom the Covered Product is transferred to during the duration of the Coverage Term, or any person entitled to receive performance on the part of the Obligor under applicable law. “Service Dealer” is any person or entity that performs or arranges to perform services pursuant to a service contract which the Service Dealer issues. “Protection Plan Administrator” means an entity which agrees to provide contract forms; process claims and procure insurance for and on behalf of a Service Dealer in performance of the obligations pursuant to a service contract, but which may not itself perform actual repairs.

ARIZONA only Definitions: A “Consumer” means a contract holder, inclusive of a buyer of the Covered Product (other than for re-sale), any person to whom the Covered Product is transferred to during the duration of the Coverage Term, or any person entitled to receive performance on the part of the Obligor under applicable law. “Service Dealer” is any person or entity that performs or arranges to perform services pursuant to a service contract which the Service Dealer issues. “Protection Plan Administrator” means an entity which agrees to provide contract forms; process claims and procure insurance for and on behalf of a Service Dealer in performance of the obligations pursuant to a service contract, but which may not itself perform actual repairs.

ARIZONA only Definitions: A “Consumer” means a contract holder, inclusive of a buyer of the Covered Product (other than for re-sale), any person to whom the Covered Product is transferred to during the duration of the Coverage Term, or any person entitled to receive performance on the part of the Obligor under applicable law. “Service Dealer” is any person or entity that performs or arranges to perform services pursuant to a service contract which the Service Dealer issues. “Protection Plan Administrator” means an entity which agrees to provide contract forms; process claims and procure insurance for and on behalf of a Service Dealer in performance of the obligations pursuant to a service contract, but which may not itself perform actual repairs.

CALIFORNIA only: With respect to California contract holders, the Administrator under this Protection Plan is After, Inc. The Obligor under this Protection Plan is Starr Protection Solutions LLC. This Protection Plan may be canceled by the contract holder for any reason, including, but not limited to, the Product covered under this contract being sold, lost, stolen or destroyed. If You decide to cancel this Protection Plan, and cancellation notice is received by the Seller within 60 days of the date You received this Protection Plan, and You have made no claims against this Protection Plan, You will be refunded the full Protection Plan price, less any claims; or if this Protection Plan is canceled by written notice after 60 days from the date You received this Protection Plan, You will be refunded a prorated amount of the Protection Plan price, less any claims paid or less an administrative fee of 10% of the Protection Plan price or $25, whichever is less, unless otherwise precluded by law. To arrange for cancellation of this Plan, please contact Your Seller.

COLORADO only: Action under this Protection 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.R.S. A party to this Protection Plan may have a right of civil action under the laws, including obtaining the recourse or penalties specified in such laws.

COLORADO only: Action under this Protection 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.R.S. A party to this Protection Plan may have a right of civil action under the laws, including obtaining the recourse or penalties specified in such laws.

FLORIDA only: The Obligor under this Protection Plan is Starr Indemnity & Liability Company. The Administrator under this Protection Plan is After, Inc. If You cancel this Protection Plan, You will receive a refund equal to 90% of the unearned pro rata purchase price of the Protection Plan, less any claims that have been paid or less the cost of repairs made on Your behalf. To arrange for cancellation of this Plan, please contact Your Seller. If We cancel this Protection Plan, You will receive one hundred percent (100%) of the unearned pro rata purchase price of this Protection Plan, less any claims paid or the cost of repairs made on Your behalf. The rates charged for this Protection Plan are not subject to regulation by the Florida Office of Insurance Regulation.

GEORGIA only: You may cancel this Protection Plan at any time by notifying the Seller in writing or by surrendering this Protection Plan to the Seller, whereupon the Seller will refund the unearned pro rata purchase price based on the time remaining on the request for cancellation. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor is also entitled to cancel this Protection Plan at any time based upon fraud, misrepresentation, nonpayment of fees by You, or non-renewal.

All references to the denial of coverage or exclusion from coverage for pre-existing conditions shall not apply in cases where such conditions were known, or should reasonably have been known, by Us or the Seller.

Procedures for cancellation of this Protection Plan will comply with section 33-24-44 of the Georgia code. Administrator may cancel this Protection Plan upon thirty (30) days written notice to You. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim can be submitted to Starr Indemnity & Liability Company who insures the Obligor’s obligations under this Protection Plan at [(855) 438-2390] or 399 Park Ave, 3rd Floor, New York, NY 10022.

HAWAII only: You may return this Protection Plan within thirty (30) days of the date this Protection Plan was provided to You or within twenty (20) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to the Seller. These provisions apply only to the original purchaser of this Protection Plan. In the event the Obligor cancels this Protection Plan, We will mail a written notice to You at Your last known address at least 5 days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by You relating to the Covered Product or its use, or a substantial breach of Your duties relating to the Covered Product or its use. Obligations of the Obligor under this Protection Plan are insured under a service contract contractual liability policy issued by Starr Indemnity & Liability Company, 399 Park Ave, 3rd Floor, New York, NY 10022. If You have a question or complaint, You may contact the Insurance Commissioner, Hawaii Insurance Division, PO Box 3614, Honolulu, Hawaii, 96811.

ILLINOIS only: Starr Protection Solutions, LLC, (and not the dealer or manufacturer), is the Obligor under this Protection Plan in the State of Illinois. The Obligor will pay the cost of covered parts and labor necessary to restore the Product (s) to normal operating condition as a result of covered or mechanical component failure due to normal wear and tear. You may cancel this Protection Plan at any time. If You cancel this Protection Plan within the first thirty (30) days of purchase and if no service has been provided to You, You shall receive a full refund of the purchase price less a cancellation fee equal to the lesser of ten percent (10%) of the purchase price or fifty dollars ($50.00). If You cancel this Protection Plan at any other time or if You cancel after service has been provided to You, You shall receive a refund equal to the pro rata purchase price less the value of any service received and less a cancellation fee equal to the lesser of ten percent (10%) of the purchase price or fifty dollars ($50.00). To arrange for cancellation of this Plan, please contact Your Seller. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the service contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company which insures the Obligor’s obligations under this Protection Plan at the following address: 399 Park Avenue, 3rd Floor, New York, NY 10022.

INDIANA only: If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim can be submitted to Starr Indemnity & Liability Company, who insures the Obligor’s obligations under this Protection Plan, at 399 Park Avenue, 3rd Floor, New York, NY 10022.

KENTUCKY only: If processing of a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim may be submitted to Starr Indemnity & Liability Company who insures the Obligor’s obligations under this Protection Plan at 399 Park Avenue, 3rd Floor, New York, NY 10022.

MISSOURI only: The following provisions apply only to the original purchaser of this Protection Plan, and only if no claim has been made prior to the return of this Protection Plan: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was mailed to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim under this Protection Plan, the Plan is void and the full purchase price will be refunded to You or credited to Your account. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to the Seller. The Deductible (if applicable) is a non-refundable amount You will be assessed, per Claim, prior to receiving covered services under this Protection Plan, as indicated on the purchase confirmation page. The following sentence is added as the last sentence of Section E What to do if you require service: If it is an emergency and We cannot be reached, You can proceed with repairs. We will reimburse You or the repairing facility in accordance with the Protection Plan provisions.

NEVADA only: This Protection Plan is renewable at Our option. This Protection Plan is not an insurance policy. This Protection Plan does not provide replacement or service coverage for failures or breakdowns arising from pre-existing conditions or for any form of consequential damages. The purchase price is as indicated on the bill of sale or receipt or declarations page and is considered to be a part of the contract.

The cancellation provision in this Protection Plan is hereby deleted and replaced with the following:

This Protection Plan is void and We will refund to You the purchase price of this Protection Plan, if no service or replacement claim has been made and You return the contract to Us:
1. Within 20 days after the date this Protection Plan was mailed or otherwise sent to You; or
2. Within 10 days after You have received a copy of this Protection Plan if We have furnished You with a copy of this Agreement at the time when this Agreement was purchased.
This Protection Plan is void and We will refund to You the purchase price of this Protection Plan, if no service or replacement claim has been made and You return the contract to Us:

Within 10 days after You have received a copy of this Protection Plan if We have furnished You with a copy of this Agreement at the time when this Agreement was purchased.
1. Failure by You to pay this Protection Plan purchase price;
2. The contract holder being convicted of a crime which results in an increase in the service required under this Protection Plan;
3. Discovery of fraud or material misrepresentation perpetrated by You in purchasing this contact or obtaining service;
4. The discovery of an act or omission, or a violation of any condition of this contract by You which substantially and materially increases the service requested under this Protection Plan; or
5. A material change in the nature or extent of the service required under this Protection Plan, which occurs after the purchase of this contract, and substantially and materially increases the service required beyond that contemplated at the time of purchase.
If We cancel this Protection Plan for any of the above reasons, You will receive a refund equal to the pro rata purchase price. With respect to each Product covered under this Protection Plan, the Administrator and/or Obligor liability is limited to the original retail purchase price You paid for such Product. We may not cancel this Protection Plan until at least fifteen (15) days after the notice of cancellation has been mailed to You. The obligations under this Protection Plan are guaranteed by Starr Indemnity & Liability Company located at 399 Park Ave., 3rd Floor, New York, NY 10022. If You are not satisfied with the manner in which We are handling service under this Agreement, You may contact the Nevada Commissioner by use of the toll-free number of the Division, (888) 872-3234.

NEW HAMPSHIRE only: In the event You do not receive satisfaction under this Protection Plan, You may contact the New Hampshire Insurance Department at 21 South Fruit Street, Suite 14, Concord, NH 03301, 1 (800) 852-3416. The obligations under this Protection Plan are insured by a contractual liability policy issued by Starr Indemnity & Liability Company located at 399 Park Ave., 3rd Floor, New York, NY 10022. In the event any covered service is not paid within sixty (60) days after proof of loss has been filed or the Obligor ceases to do business or goes bankrupt, You may file Your claim directly with Starr Indemnity & Liability Company.

NEW MEXICO only: You may return this Protection Plan within ninety (90) days of the date this Protection Plan was provided to You. If You made no claim, the Agreement is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten (10%) percent per month on a refund that is not made within sixty (60) days of the return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan. We may not cancel this Protection Plan once it has been in effect for seventy (70) days except for the following conditions:
1. Failure to pay an amount when due;
2. The conviction of You in a crime that results in an increase in the service required under this Protection Plan;
3. Fraud or material misrepresentation by You in obtaining this Protection Plan or in presenting a claim for service thereunder; or
4. Discovery of an act or omission or a violation of any condition of this Protection Plan by You, which substantially and materially increases the service required under this Protection Plan.
If We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation with the reason for cancellation. The written notice is not required, if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation, or a substantial breach of duties by You relating to the Covered Product or its use.

NEW YORK only: The obligations of the Obligor under this Protection Plan are insured under a service contract reimbursement insurance policy issued by Starr Indemnity & Liability Company. If the Obligor fails to perform under this Agreement, including failure to return any unearned fee in the event of cancellation, Starr Indemnity & Liability Company will pay all sums the Obligor is legally obligated to pay under this Agreement or perform any service the Obligor is legally obligated to perform under this Agreement. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten percent (10%) per month on a refund that is not made within thirty (30) days of return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation with the reason for cancellation. A written notice is not required, if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation, or a substantial breach of duties by You relating to the Covered Product or its use. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Ave, 3rd Floor, New York, NY 10022, [(855) 438-2390].

NORTH CAROLINA only: The purchase of this Protection Plan is not required in order to obtain financing. We may not cancel this Protection Plan except for nonpayment by You or for violation of any of the terms and conditions of this Protection Plan. If You cancel this Protection Plan, You will receive a pro-rata refund, less the cost of any claims paid and less a cancellation fee of ten percent (10%) of the amount of the refund. To arrange for cancellation of this Plan, please contact Your Seller. Obligations under this Protection Plan are insured by Starr Indemnity & Liability Company, 399 Park Ave., 3rd Floor, New York, NY 10022.

OKLAHOMA only: The Obligor under this Protection Plan is Starr Underwriting Agency, Inc. (License # 44200902). This plan is a service agreement and is not an insurance policy. The Cancellation conditions do not apply to Oklahoma state residents. In the event You cancel this Protection Plan, You shall receive a refund equal to ninety percent (90%) of the unearned pro-rata purchase price less the cost of any service received. To arrange for cancellation of this Plan, please contact Your Seller. In the event We cancel this Protection Plan, You shall receive a refund equal to one hundred percent (100%) of the unearned pro-rata purchase price, less the cost of any service received. This is not an insurance contract. Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association. While arbitration is mandatory, the outcome of any arbitration shall be nonbinding on the parties, and either party shall, following arbitration, have the right to reject the arbitration awarded and bring suit in a district court of Oklahoma.

OREGON only: Arbitration: If You are a resident of Oregon, the following shall replace all references to Arbitration in these Terms and Conditions: Arbitration is not mandatory and has to be by mutual agreement. Any arbitration occurring under this Protection Plan shall occur in an agreed upon location by both parties and be administered in accordance with the Expedited Procedures of the Commercial Arbitration Rules of the American Arbitration Association (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.

SOUTH CAROLINA only: In order to prevent damage to the Covered Product, please refer to the owner’s manual. This Protection Plan does not provide coverage for pre-existing conditions. This Protection Plan does not cover repair and replacement necessitated by loss or damage resulting from 1) any cause other than normal use and operation of the Product in accordance with manufacturer’s specifications and/or owner’s manual or 2) failure to use reasonable means to protect Your Product from further damage after a breakdown or performance failure occurs. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten percent (10%) per month on a refund that is not made within forty- five (45) days of return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan. In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation with the reason for cancellation. The written notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation, or a substantial breach of duties by You relating to the covered property or its use. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company, which insures the obligations under this Protection Plan, located at 399 Park Ave., 3rd Floor, New York, NY 10022. In the event You have a question or complaint, You may contact the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina, 29202-3105, (803) 737-6134.

TEXAS only: You may return this Protection Plan within twenty (20) days of the date this Service Contract was provided to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent of the amount outstanding per month on a refund that is not made within forty-five (45) days. These provisions apply only to the original purchaser of this Protection Plan . In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least five (5) days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by You relating to the covered property or its use, or a substantial breach of Your duties relating to the covered Product or its use. Obligations of the provider under this Protection Plan are insured under a service contract reimbursement policy. In the event a covered service is not provided by Us within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Ave, 3rd Floor, New York, NY 10022. 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 Regulations, PO Box 12157, Austin TX 78711, 1 (800) 803-9202.

UTAH only: The language in CANCELLATION section regarding Our rights to cancel this agreement is deleted and replaced with: We may cancel this Protection Plan by providing You with thirty (30) days written notice for the following reasons only: material misrepresentation, substantial change in the risk assumed or substantial breaches of contractual duties. We may cancel this Protection Plan by providing you with ten (10) days written notice, if the reason for cancellation is non-payment by you. The following sentence is added as the last sentence of the WHAT TO DO IF YOU REQUIRE SERVICE section: If it is an emergency situation and We cannot be reached, You can proceed with repairs. We will reimburse You or the repairing facility in accordance with this Protection Plan provisions. All references to the denial of coverage or exclusion from coverage for pre-existing conditions shall not apply in cases where such conditions were known, or should reasonably have been known, by Us or the dealer. The following sentences are added to the end of the DISPUTE RESOLUTION section: Any matter in dispute between You and Us 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 copy of which is available on request from the company. Any decision reached by arbitration shall be binding upon both you and the company. The arbitration award may include attorney's fees if allowed by state law and may be entered as a judgment in any court of proper jurisdiction. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to Starr Indemnity & Liability Company, who insures the Administrator’s obligations under this Protection Plan, located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. Coverage afforded under this Protection Plan is not guaranteed by the Property and Casualty Guaranty Association. This service contract or warranty is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department.

VERMONT only: You may return this Protection Plan within twenty (20) days of receipt and, if no claim for service has been made, receive a full refund of the purchase price. To arrange for cancellation of this Plan, please contact Your Seller. Our obligations under this Protection Plan are supported by a contractual liability insurance policy issued by Starr Indemnity & Liability Company. In an event that We are unable to perform under the contract, Starr Indemnity & Liability Company, which shall pay on Our behalf any sums We are legally obligated to pay and shall provide the service, which We are legally obligated to perform according to the Our contractual obligations under this Protection Plan. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390].

VIRGINIA only: 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 www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml to file a complaint.

WASHINGTON only: The “Guarantee” provision of these Terms and Conditions as set forth above is deleted in its entirety and replaced with the following: This is not an insurance policy. Obligations of the service contract obligor under this Protection Plan are backed by the full faith and credit of the service contract obligor, Starr Underwriting Agency, Inc., located at 399 Park Avenue, 3rd Floor, New York, NY 10022. You may contact them toll-free at [(855) 438-2390].

WISCONSIN only: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. Arbitration: If You are a resident of Wisconsin, the following shall replace all references to Arbitration in these Terms and Conditions: Arbitration is not mandatory and has to be by mutual agreement. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, or if the provider becomes insolvent or otherwise financially impaired, the claim can be submitted to Starr Indemnity & Liability Company, who insures Our obligations under this Protection Plan, located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was mailed to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You or credited to Your account. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent per month on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to Us. If We cancel this Protection Plan, We will provide You at least 5 days written notice prior of cancellation stating the effective date and reason. These provisions apply only to the original purchaser of this Protection Plan. In the event that You experience a total loss of property covered by this contract that is not covered by a replacement of the property pursuant to the terms of the contract, You shall be entitled to cancel this contract and receive a pro rata refund of any unearned provider fee, less any claims paid. Lack of pre-authorization shall be the sole grounds for a claim denial; however, unauthorized repairs may not be covered if evaluated to have been at an unreasonable expense.

WYOMING only: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to Us. These provisions apply only to the original purchaser of this Protection Plan. In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least ten (10) days prior to cancellation, which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required, if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by You relating to the Covered Product or its use, or a substantial breach of Your duties relating to the Covered Product or its use. Obligations under this Protection Plan are insured by Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022.
Thank you for purchasing this Firearm Service Plan (the “Plan”) from Sportsman’s Warehouse. This is a legal contract that is subject to all of the terms and conditions below. By purchasing this Plan, You acknowledge You have had an opportunity to review these terms and conditions and that You agree to them.

This Plan contains an Arbitration Agreement below; by purchasing this Plan, You authorize and agree to the Arbitration Agreement.

“Seller.” This Plan is sold by Sportsman’s Warehouse. The Seller address is Firearm Services Division, 1475 W 9000 S, Suite A, West Jordan, UT 84088, and the telephone number is [800-286-3076].

“Administrator.” The plan is administered by After, Inc. . The Administrator is the party that will provide or arrange for service under this Plan. The Administrator address is After Inc., PO Box [886] Norwalk, CT 06852-[0886]. The telephone number is [1-866-855-5925].

“Obligor”, “We”, “Us”, and “Our.” The obligor is Starr Protection Solutions, LLC (“SPS”), except in Florida, Oklahoma and Washington. In Oklahoma and Washington, the obligor is Starr Underwriting Agency, Inc. (Oklahoma License # 44200902) (“SUA”). SPS and SUA are located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. In Florida, the obligor is Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390].

“Purchaser.” As the original Purchaser of this Plan You (“You” and “Your”) or Your Transferee (as provided below) are the party entitled to the benefits and protections of the Plan. By buying the Plan, You certify that You are a citizen of the United States or a permanent resident alien, and at least 18 years of age, or at least 21 years of age where required by law. You also certify that You are not prohibited by law from purchasing or possessing firearms.

“Covered Firearm.” This Plan provides the benefits and protections described below, subject to all terms and conditions, for the new, eligible firearm that You purchased at the same time as this Plan (the “Covered Firearm”). You may purchase this Plan at any time within thirty (30) days of purchasing the Covered Firearm. This Plan does not apply to any other merchandise, regardless of when purchased. We may, in Our discretion, exclude certain firearms from eligibility for this Plan.

Transfer. Transferability is permitted at our sole discretion and may not be available. If You wish to transfer coverage under this Service Agreement to a different owner, please contact the Administrator to initiate Our transfer process.

“Term.” The period of time in which the provisions of this Service Agreement are valid, as indicated on Your declarations page, unless canceled by You. If the service You obtain from Us under this Plan causes the Covered Firearm to be outside Your possession for a total of more than one month, the Term of this Plan will be extended by the amount of time that the Covered Firearm is outside Your possession. The Term of this Plan may not be extended or renewed.

Concurrent manufacturer warranty. If the Covered Firearm comes with a manufacturer’s warranty, the Term of this Plan runs concurrently with that warranty. This Plan does not replace the manufacturer’s warranty, but provides certain additional benefits during the Term of this Plan, as described in these terms and conditions. The Term of the manufacturer’s warranty does not affect the length of the Term of this Plan.

Entire agreement. You must keep Your copy of this Plan and the sales receipt showing Your purchase of the Covered Firearm and this Plan, which together form the entire agreement between You and Us. Our employees have no authority to alter or modify the terms and conditions of this Plan, either orally or in writing.

Scope mounting. By purchasing The Plan, You are entitled to unlimited scope mountings by Us during the Term. You must purchase and provide the scope that You wish to have mounted on the Covered Firearm. The scope must be of a type suitable for the Covered Firearm and must not require modifications to the Covered Firearm to mount the scope. To obtain this scope mounting service from Us, You must bring the Covered Firearm and the scope, along with Your copy of this Plan and sales receipt, to the Customer Service desk of any Sportsman’s Warehouse store.

Cleaning. By purchasing this Plan, You are entitled to have the Covered Firearm cleaned by Us two times under the one-year Service Plan or six times under the three-year Service Plan or ten times under the five-year Service Plan. To have Your Covered Firearm cleaned by Us, You must bring the Covered Firearm, along with Your copy of this Plan and sales receipt, to the Customer Service desk of any Sportsman’s Warehouse store.

Discount Service: By purchasing this Plan, the enrolled firearm is also eligible for a [15%] discount on elective service by Sportsman’s Warehouse Gunsmithing department, located in Salt Lake City, UT. Service may be obtained by visiting a Sportsman’s Warehouse store location or contacting the Gunsmith department [801-304-8070]. The facility is located at [1630 South 5070 West, Suite 200, Salt Lake City, UT 84104]

Other preventive care. You are solely responsible for any other preventive maintenance for the Covered Firearm, including any preventive maintenance recommended by the manufacturer. You are also solely responsible for the safe and secure storage of the Covered Firearm, except when it is in Our possession for purposes of providing You any service under this Plan.

Damage covered by this Plan. This Plan provides coverage for operational failure, during normal use, due to defects, or pre-existing defects in material and workmanship.

Damage NOT covered by this Plan. This Plan does not cover anything other than the categories described above. Categories of damage that are NOT covered by this Plan include, but are not limited to, damages resulting from: normal wear and tear; modifications to the Covered Firearm, other than the addition of a scope or other accessories intended for use with the Covered Firearm; failure to provide proper care, maintenance, or cleaning of the Covered Firearm; cosmetic damage including scratches, peeling, and dents that do not interfere with the functionality of the Covered Firearm; damage resulting from failure to follow any instructions provided by the manufacturer; damage caused by use of improper ammunition; damage of any kind occurring between the date of purchase of the Covered Firearm and the date of purchase of this Plan; or any other damage caused by negligent, reckless, or intentional conduct after You purchase the Covered Firearm. Notwithstanding any provision to the contrary, this Service Agreement excludes any loss, damage, liability, expense, fines penalties or any other amount directly a. or indirectly caused by, in connection with, or in any way involving or arising out of any of the following- including any fear or threat thereof, whether actual or perceived: Any infectious disease, virus, bacterium or other microorganism (whether asymptomatic or not); Or Coronavirus (COVID-19) including any mutation or variation thereof; Or Pandemic or Epidemic, as declared as such by the World Health Organization or any Governmental Authority.

How to obtain service. To obtain service under this Plan, You should bring the Covered Firearm, this Plan, and Your sales receipt to the Customer Service desk of any Sportsman’s Warehouse store. We may, in Our discretion, arrange for service to be performed by Us or by a qualified third-party gunsmith at another location. When service is complete, We will return the Covered Firearm to the Sportsman’s Warehouse store where You brought it for service, and You may pick it up at that location. Locations of Sportsman’s Warehouse stores can be found at [www.sportsmans.com] or by calling [800-286-3076]. We will not reimburse You for any service You obtain elsewhere.

What We will provide. We will determine, in Our sole discretion, whether the Covered Firearm has damage that is covered by this Plan, as described above. If it does, We will, in Our sole discretion, either repair the Covered Firearm or replace it with a new one of similar value and with similar features. If We choose to repair the Covered Firearm, We will attempt to complete the repair within a reasonable amount of time, but there may be circumstances that result in a repair taking additional time, such as unavailability of replacement parts. We disclaim any and all liability for incidental or consequential damages as a result of the time it takes Us to perform services under this Plan. If We choose to replace the Covered Firearm, You may be required to complete new forms as required by federal or state law, and to pass an additional background check. If We are unable to repair the Covered Firearm and You are not eligible to receive a replacement firearm, We will refund Your original purchase price, including tax.

Manufacturer Warranty Service. If the Covered Firearm is subject to an unexpired manufacturer’s warranty and You bring the Covered Firearm to Us for service during the Term of this Plan, We may seek service from the manufacturer or its designee under that warranty. You hereby authorize Us to act on Your behalf to the extent necessary to obtain that service. To return the Covered Firearm to the manufacturer for warranty service, You may bring the Covered Firearm to a Sportsman’s Warehouse store and We will ship the Covered Firearm to the manufacturer at no additional cost to You. There is no deductible for service or claim of service. We will not reimburse Your shipping or handling costs if You send the Covered Firearm to the manufacturer or its designee by means other than delivery to a Sportsman’s Warehouse store.

Limitation of liability. Our liability under this Plan shall be the lesser of the cost of (i) repairs authorized by Us, or (ii) replacement with a new firearm of similar value and similar features. Our total liability under this Plan shall not exceed the original purchase price of the Covered Firearm, including taxes, plus the value of the cleaning and scope mounting services provided under this Plan.

Your right to cancel. You may cancel this Plan for any reason within the first thirty (30) days after You purchase it and receive a full refund of the amount You paid for the Plan, if You have not sought or received any service under the Plan. If You cancel after receiving service under the Plan or after the first thirty (30) days, Your will receive a refund prorated to the number of months remaining in the Term of Your Plan, less the actual cost of services that have been provided under the Plan. To cancel, You must send a written notice to Us at Our address listed above, c/o Firearm Services Department, and include Your return address. We will send You a confirmation of cancellation and a refund, if applicable, within thirty (30) days from Our receipt of Your notice.

Our right to cancel. We may cancel this Plan in Our discretion based upon actual or suspected fraud, material misrepresentations or omissions, a material breach of Your obligations under this Plan, or unsafe conditions, as determined solely by Us. If We cancel this Plan within the first thirty (30) days after Your purchase it, You will receive a full refund of the amount Your paid for the Plan, if You have not sought or received any services under the Plan. If We cancel at any time after the first thirty (30) days, You will receive a refund prorated to the number of months remaining in the Term of Your Plan, less the actual costs of services that have been provided under the Plan. We will promptly send You a notice of cancellation and a refund, if applicable, to Your last known address.

Disclaimer of damages. Your rights and remedies under this Plan are limited to the items described above. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE TO YOU OR ANY OTHER PERSON FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES; BODILY INJURY OR DAMAGE RESULTING FROM USE OR MISUSE OF A FIREARM; CIVIL OR CRIMINAL DAMAGES OR PENALTIES RESULTING FROM UNAUTHORIZED USE OR POSSESSION OF A FIREARM; DAMAGE RESULTING FROM UNAUTHORIZED REPAIRS OR MODIFICATIONS; OR DAMAGE RESULTING FROM ACTS OF GOD. THIS PLAN IS NOT A POLICY OF INSURANCE OR A WARRANTY, AND NONE OF THE TERMS IN THIS PLAN MAY BE CONSTRUED AS PROVIDING AN EXPRESS OR IMPLIED WARRANTY.

Dispute resolution. If You have any dispute with Us related to this Plan or the Covered Firearm, You should first contact the Administrator at [866-855-5925] to attempt to obtain a resolution of the matter. In the unlikely event that You and We cannot resolve any disputes that may arise, including any disputes or claims related to this Plan, You and We agree to resolve all disputes through either binding arbitration or small claims court instead of in courts of general jurisdiction. This Arbitration Agreement is intended to be construed broadly. This Plan evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. This Arbitration Agreement shall survive the termination of this Plan.

For purposes of this Arbitration Agreement, references to “We,” “Us,” and “Our” are to Starr Protection Solutions, LLC (“SPS”), except in Florida, Oklahoma and Washington. In Oklahoma and Washington, the obligor is Starr Underwriting Agency, Inc. (Oklahoma License # 44200902) (“SUA”). SPS and SUA are located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. In Florida, the obligor is Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]

You and We agree that any arbitration will take place on an individual basis only. You and We agree to waive the right to a trial by jury and to participate in class arbitrations and class actions. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury. It has more limited discovery than in court and is subject to limited review by courts. Arbitrators can award the same damages and relief that a court can award. Notwithstanding the foregoing, this Arbitration Agreement does not preclude You from bringing an individual action in small claims court or from informing any federal, state or local agencies or entities of Your dispute. Such agencies or entities may be able to seek relief on Your behalf.

If You or We intend to seek arbitration You and We must first send to the other a written Notice of Claim (“Notice”) by certified mail.

Your Notice to Us should be addressed to: Starr Companies, [399 Park Avenue, 3rd Floor, New York, NY 10022]. The Notice must describe the dispute and state the specific relief sought. If You and We do not resolve the dispute within thirty (30) days of receipt of the Notice, You or We may initiate an arbitration proceeding with the American Arbitration Association (“AAA”). You can obtain the forms necessary to initiate an arbitration proceeding by visiting [www.adr.org] or by calling [1-800-778-7879]. After We receive notice that You have commenced arbitration, We will reimburse You for payment of any filing fee to the AAA. If You are unable to pay a required filing fee, We will pay it if You send a written request by certified mail to: Starr Companies, [399 Park Avenue, 3rd Floor, New York, NY 10022]. The arbitration shall be administered by the AAA in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “Arbitration Rules”) in effect at the time the arbitration is initiated and as modified by this Arbitration Agreement. You can obtain a copy of the Arbitration Rules by visiting [www.adr.org] or by calling [1-800-778-7879].

The arbitrator appointed by the AAA to decide the dispute is bound by the terms of this Arbitration Agreement. All issues are for the arbitrator to decide, including the scope of this Arbitration Agreement, with the exception that issues relating to the enforceability of this Arbitration Agreement may be decided by a court. Unless You and We agree otherwise, any arbitration hearings will take place in the county or parish of Your billing address. If Your dispute is for $10,000 or less, You may choose to conduct the arbitration hearings either by submitting documents to the arbitrator or by appearing before the arbitrator in person or by telephone. If Your dispute is for more than $10,000, the right to arbitration hearings will be determined by the Arbitration Rules. We will pay all filing, administration and arbitrator fees for any arbitration initiated pursuant to this Arbitration Agreement, unless Your dispute is found by the arbitrator to have been frivolous or brought for an improper purpose under Federal Rule of Civil Procedure 11(b). In that case, the payment of such fees shall be governed by the Arbitration Rules.

At the conclusion of the arbitration hearings, the arbitrator shall issue a written decision which includes an explanation of the facts and law upon which the decision is based. If the arbitrator finds in Your favor and issues a damages award that is greater than the value of the last settlement offer made by Us or if We made no settlement offer and the arbitrator awards You any damages, We will:

The arbitrator may resolve any disputes regarding attorney’s fees and expenses either during the arbitration hearings or, upon request, within 14 days of the arbitrator’s written decision. The right to the attorney’s fees and expenses discussed above is in addition to any right You may have under applicable law, but neither You nor Your attorney may recover duplicate awards of attorney’s fees and expenses. Although We may have the right under applicable law to recover attorney’s fees and expenses from You if We prevail in the arbitration, We hereby waive the right to do so. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. You and We agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Unless You and We agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not preside over any form of a representative or class proceeding. If this specific provision of this Arbitration Agreement is found to be unenforceable, then the entirety of this Arbitration Agreement shall be null and void.

SPECIAL STATE DISCLOSURES: Regulation of service plans may vary widely from state to state. Any provision within this Agreement, which conflicts with the laws of the state where You reside, shall automatically be considered to be modified in conformity with applicable state laws and regulations as set forth below. The following state specific requirements apply if Your Protection Plan was purchased in one of the following states and supersede any other provision within Your Protection Plan terms and conditions to the contrary.

ALABAMA only: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. If You cancel this Protection Plan after the first 20 days, You will receive the unearned portion of the full purchase price of this Protection Plan, less an administrative fee of up to twenty-five dollars ($25.00). To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) per month on a refund that is not paid or credited within forty-five (45) days after return of the Protection Plan to the Obligor. Obligations of the Obligor are backed by the full faith and credit of the Obligor, as well as by a service contract reimbursement policy. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company, who insures the Obligor’s obligations under this Protection Plan, at [(855) 438-2390] or 399 Park Ave 3rd Floor, New York, NY 10022. These provisions apply only to the original purchaser of this Protection Plan. In the event the Obligor cancels this Protection Plan, the Obligor will mail a written notice to You at Your last known address at least five (5) days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee or a material misrepresentation by You relating to the covered property or its use.

ARIZONA only Definitions: A “Consumer” means a contract holder, inclusive of a buyer of the Covered Product (other than for re-sale), any person to whom the Covered Product is transferred to during the duration of the Coverage Term, or any person entitled to receive performance on the part of the Obligor under applicable law. “Service Dealer” is any person or entity that performs or arranges to perform services pursuant to a service contract which the Service Dealer issues. “Protection Plan Administrator” means an entity which agrees to provide contract forms; process claims and procure insurance for and on behalf of a Service Dealer in performance of the obligations pursuant to a service contract, but which may not itself perform actual repairs.

All references to the denial of coverage or exclusion from coverage for pre-existing conditions shall not apply in cases where such conditions were known, or should reasonably have been known, by Us or the Seller. All references to denial or exclusion from coverage are applicable only if they happened while the product was owned by you.

Cancellation: If Your written notice of cancellation is received prior to the expiration date, We will provide a pro rata refund after deducting for administrative expenses associated with the cancellation, regardless of prior services rendered against the Plan. No claim incurred or paid shall be deducted from the amount of the refund. The cancellation provision shall not contain both a cancellation fee and a cancellation penalty. The administrative expenses may not exceed $75 dollars or ten percent of the purchase price of the service contract, whichever is less. To arrange for cancellation of this Plan, please contact Your Seller. Starr Protection Solutions, LLC is the Provider and the Obligor for this Protection Plan in Arizona. Dispute Resolution: Both parties must agree to arbitration. Additionally, as an Arizona resident you may follow the process to resolve complaints under the provisions of A.R.S. §§20-1095.09 and 20-461, Unfair Trade Practices, as outlined by the Arizona Department of Insurance and Financial Institutions. You have a right to file a complaint with the Department of Insurance and Financial Institutions against Us by contacting the Department of Insurance and Financial Institutions at 602-364-2499 or difi.az.gov.

CALIFORNIA only: With respect to California contract holders, the Administrator under this Protection Plan is After, Inc. The Obligor under this Protection Plan is Starr Protection Solutions LLC. This Protection Plan may be cancelled by the contract holder for any reason, including, but not limited to, the Product covered under this contract being sold, lost, stolen or destroyed. If You decide to cancel this Protection Plan, and cancellation notice is received by the Seller within 60 days of the date You received this Protection Plan, and You have made no claims against this Protection Plan, You will be refunded the full Protection Plan price, less any claims; or if this Protection Plan is cancelled by written notice after 60 days from the date You received this Protection Plan, You will be refunded a pro-rated amount of the Protection Plan price, less any claims paid or less an administrative fee of 10% of the Protection Plan price or $25, whichever is less, unless otherwise precluded by law. To arrange for cancellation of this Plan, please contact Your Seller.

COLORADO only: Action under this Protection 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.R.S. A party to this Protection Plan may have a right of civil action under the laws, including obtaining the recourse or penalties specified in such laws.

CONNECTICUT only: The term of this Protection Plan is automatically extended by the length of time in which the Covered Product is in the Obligor’s custody for repair under this Protection Plan. In the event of a dispute with the Obligor, You may contact the State of Connecticut Insurance Department: P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase or lease price of the Product, the cost of repair of the Product, and a copy of this Protection Plan. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the service contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company who insures the Obligor’s obligations under this Protection Plan, at [(855) 438-2390] or 399 Park Ave, 3rd Floor, New York, NY 10022.

FLORIDA only: The Obligor under this Protection Plan is Starr Indemnity & Liability Company. The Administrator under this Protection Plan is After, Inc. If You cancel this Protection Plan, You will receive a refund equal to 90% of the unearned pro rata purchase price of the Protection Plan, less any claims that have been paid or less the cost of repairs made on Your behalf. To arrange for cancellation of this Plan, please contact Your Seller. If We cancel this Protection Plan, You will receive one hundred percent (100%) of the unearned pro rata purchase price of this Protection Plan, less any claims paid or the cost of repairs made on Your behalf. The rates charged for this Protection Plan are not subject to regulation by the Florida Office of Insurance Regulation.

GEORGIA only: You may cancel this Protection Plan at any time by notifying the Seller in writing or by surrendering this Protection Plan to the Seller, whereupon the Seller will refund the unearned pro rata purchase price based on the time remaining on the request for cancellation. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor is also entitled to cancel this Protection Plan at any time based upon fraud, misrepresentation, nonpayment of fees by You, or non-renewal.

All references to the denial of coverage or exclusion from coverage for pre-existing conditions shall not apply in cases where such conditions were known, or should reasonably have been known, by Us or the Seller.

Procedures for cancellation of this Protection Plan will comply with section 33-24-44 of the Georgia code. Administrator may cancel this Protection Plan upon thirty (30) days written notice to You. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim can be submitted to Starr Indemnity & Liability Company who insures the Obligor’s obligations under this Protection Plan at [(855) 438-2390] or 399 Park Ave, 3rd Floor, New York, NY 10022.

HAWAII only: You may return this Protection Plan within thirty (30) days of the date this Protection Plan was provided to You or within twenty (20) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to the Seller. These provisions apply only to the original purchaser of this Protection Plan. In the event the Obligor cancels this Protection Plan, We will mail a written notice to You at Your last known address at least 5 days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by You relating to the Covered Product or its use, or a substantial breach of Your duties relating to the Covered Product or its use. Obligations of the Obligor under this Protection Plan are insured under a service contract contractual liability policy issued by Starr Indemnity & Liability Company, 399 Park Ave, 3rd Floor, New York, NY 10022. If You have a question or complaint, You may contact the Insurance Commissioner, Hawaii Insurance Division, PO Box 3614, Honolulu, Hawaii, 96811.

ILLINOIS only: Starr Protection Solutions, LLC, (and not the dealer or manufacturer), is the Obligor under this Protection Plan in the State of Illinois. The Obligor will pay the cost of covered parts and labor necessary to restore the Product (s) to normal operating condition as a result of covered or mechanical component failure due to normal wear and tear. You may cancel this Protection Plan at any time. If You cancel this Protection Plan within the first thirty (30) days of purchase and if no service has been provided to You, You shall receive a full refund of the purchase price less a cancellation fee equal to the lesser of ten percent (10%) of the purchase price or fifty dollars ($50.00). If You cancel this Protection Plan at any other time or if You cancel after service has been provided to You, You shall receive a refund equal to the pro rata purchase price less the value of any service received and less a cancellation fee equal to the lesser of ten percent (10%) of the purchase price or fifty dollars ($50.00). To arrange for cancellation of this Plan, please contact Your Seller. If the Obligor fails to pay or to provide service on a claim within sixty (60) days after proof of loss has been filed, the service contract holder is entitled to submit a claim directly to Starr Indemnity & Liability Company which insures the Obligor’s obligations under this Protection Plan at the following address: 399 Park Avenue, 3rd Floor, New York, NY 10022.

INDIANA only: If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim can be submitted to Starr Indemnity & Liability Company, who insures the Obligor’s obligations under this Protection Plan, at 399 Park Avenue, 3rd Floor, New York, NY 10022.

KENTUCKY only: If processing of a claim for service has not been completed within sixty (60) days after proof of loss has been filed with the Obligor, the claim may be submitted to Starr Indemnity & Liability Company who insures the Obligor’s obligations under this Protection Plan at 399 Park Avenue, 3rd Floor, New York, NY 10022.

MISSOURI only: The following provisions apply only to the original purchaser of this Protection Plan, and only if no claim has been made prior to the return of this Protection Plan: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was mailed to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim under this Protection Plan, the Plan is void and the full purchase price will be refunded to You or credited to Your account. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten percent (10%) on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to the Seller. The Deductible (if applicable) is a non-refundable amount You will be assessed, per Claim, prior to receiving covered services under this Protection Plan, as indicated on the declarations page. The following sentence is added as the last sentence of Section E What to do if you require service: If it is an emergency and We cannot be reached, You can proceed with repairs. We will reimburse You or the repairing facility in accordance with the Protection Plan provisions.

NEVADA only: This Protection Plan is renewable at Our option. This Protection Plan is not an insurance policy. This Protection Plan does not provide replacement or service coverage for failures or breakdowns arising from pre-existing conditions or for any form of consequential damages. The purchase price is as indicated on the bill of sale or receipt or declarations page and is considered part of the contract.

The cancellation provision in this Protection Plan is hereby deleted and replaced with the following:
1. Within 20 days after the date this Protection Plan was mailed or otherwise sent to You; or
2. Within 10 days after You have received a copy of this Protection Plan if We have furnished You with a copy of this Agreement at the time when this Agreement was purchased.
To arrange for cancellation of this Plan, please contact Your Seller. We will refund to You the purchase price of this contract within 45 days after it has been returned to us. If We do not refund the purchase price within 45 days, We will pay You a penalty of 10 percent (10%) of the purchase price for each 30-day period that the refund remains unpaid. You may also cancel this Protection Plan at any other time and receive a refund equal to the pro rata purchase price. These provisions apply only to the original purchaser of this Protection Plan.

We may not cancel this contract once it has been in effect for at least seventy (70) days, except for the following conditions:
1. Failure by You to pay this Protection Plan purchase price;
2. The contract holder being convicted of a crime which results in an increase in the service required under this Protection Plan;
3. Discovery of fraud or material misrepresentation perpetrated by You in purchasing this contact or obtaining service;
4. The discovery of an act or omission, or a violation of any condition of this contract by You which substantially and materially increases the service requested under this Protection Plan; or
5. A material change in the nature or extent of the service required under this Protection Plan, which occurs after the purchase of this contract, and substantially and materially increases the service required beyond that contemplated at the time of purchase.
If We cancel this Protection Plan for any of the above reasons, You will receive a refund equal to the pro rata purchase price. With respect to each Product covered under this Protection Plan, the Administrator and/or Obligor liability is limited to the original retail purchase price You paid for such Product. We may not cancel this Protection Plan until at least fifteen (15) days after the notice of cancellation has been mailed to You. The obligations under this Protection Plan are guaranteed by Starr Indemnity & Liability Company located at 399 Park Ave., 3rd Floor, New York, NY 10022. If You are not satisfied with the manner in which We are handling service under this Agreement, You may contact the Nevada Commissioner by use of the toll-free number of the Division, (888) 872-3234.

NEW HAMPSHIRE only: In the event You do not receive satisfaction under this Protection Plan, You may contact the New Hampshire Insurance Department at 21 South Fruit Street, Suite 14, Concord, NH 03301, 1 (800) 852-3416. The obligations under this Protection Plan are insured by a contractual liability policy issued by Starr Indemnity & Liability Company located at 399 Park Ave., 3rd Floor, New York, NY 10022. In the event any covered service is not paid within sixty (60) days after proof of loss has been filed or the Obligor ceases to do business or goes bankrupt, You may file Your claim directly with Starr Indemnity & Liability Company.

NEW MEXICO only: You may return this Protection Plan within ninety (90) days of the date this Protection Plan was provided to You. If You made no claim, the Agreement is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. The Obligor will pay a penalty of ten (10%) percent per month on a refund that is not made within sixty (60) days of the return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan. We may not cancel this Protection Plan once it has been in effect for seventy (70) days except for the following conditions:
1. Failure to pay an amount when due;
2. The conviction of You in a crime that results in an increase in the service required under this Protection Plan;
3. Fraud or material misrepresentation by You in obtaining this Protection Plan or in presenting a claim for service thereunder; or
4. Discovery of an act or omission or a violation of any condition of this Protection Plan by You, which substantially and materially increases the service required under this Protection Plan.
If We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation with the reason for cancellation. The written notice is not required, if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation, or a substantial breach of duties by You relating to the Covered Product or its use.

NEW YORK only: The obligations of the Obligor under this Protection Plan are insured under a service contract reimbursement insurance policy issued by Starr Indemnity & Liability Company. If the Obligor fails to perform under this Agreement, including failure to return any unearned fee in the event of cancellation, Starr Indemnity & Liability Company will pay all sums the Obligor is legally obligated to pay under this Agreement or perform any service the Obligor is legally obligated to perform under this Agreement. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten percent (10%) per month on a refund that is not made within thirty (30) days of return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation with the reason for cancellation. A written notice is not required, if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation, or a substantial breach of duties by You relating to the Covered Product or its use. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Ave, 3rd Floor, New York, NY 10022, [(855) 438-2390].

NORTH CAROLINA only: The purchase of this Protection Plan is not required in order to obtain financing. We may not cancel this Protection Plan except for nonpayment by You or for violation of any of the terms and conditions of this Protection Plan. If You cancel this Protection Plan, You will receive a pro-rata refund, less the cost of any claims paid and less a cancellation fee of ten percent (10%) of the amount of the refund. To arrange for cancellation of this Plan, please contact Your Seller. Obligations under this Protection Plan are insured by Starr Indemnity & Liability Company, 399 Park Ave., 3rd Floor, New York, NY 10022.

OKLAHOMA only: The Obligor under this Protection Plan is Starr Underwriting Agency, Inc. (License # 44200902). This plan is a service agreement and is not an insurance policy. The Cancellation conditions do not apply to Oklahoma state residents. In the event You cancel this Protection Plan, You shall receive a refund equal to ninety percent (90%) of the unearned pro-rata purchase price less the cost of any service received. To arrange for cancellation of this Plan, please contact Your Seller. In the event We cancel this Protection Plan, You shall receive a refund equal to one hundred percent (100%) of the unearned pro-rata purchase price, less the cost of any service received. This is not an insurance contract. Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association. While arbitration is mandatory, the outcome of any arbitration shall be nonbinding on the parties, and either party shall, following arbitration, have the right to reject the arbitration awarded and bring suit in a district court of Oklahoma.

OREGON only: Arbitration: If You are a resident of Oregon, the following shall replace all references to Arbitration in these Terms and Conditions: Arbitration is not mandatory and has to be by mutual agreement. Any arbitration occurring under this Protection Plan shall occur in an agreed upon location by both parties and be administered in accordance with the Expedited Procedures of the Commercial Arbitration Rules of the American Arbitration Association (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.

SOUTH CAROLINA only: In order to prevent damage to the Covered Product, please refer to the owner’s manual. This Protection Plan does not provide coverage for pre-existing conditions. This Protection Plan does not cover repair and replacement necessitated by loss or damage resulting from 1) any cause other than normal use and operation of the Product in accordance with manufacturer’s specifications and/or owner’s manual or 2) failure to use reasonable means to protect Your Product from further damage after a breakdown or performance failure occurs. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten percent (10%) per month on a refund that is not made within forty- five (45) days of return of this Protection Plan. These provisions apply only to the original purchaser of this Protection Plan. In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least fifteen (15) days prior to cancellation with the reason for cancellation. The written notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation, or a substantial breach of duties by You relating to the covered property or its use. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company, which insures the obligations under this Protection Plan, located at 399 Park Ave., 3rd Floor, New York, NY 10022. In the event You have a question or complaint, You may contact the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina, 29202-3105, (803) 737-6134.

TEXAS only: You may return this Protection Plan within twenty (20) days of the date this Service Contract was provided to You or within ten (10) days if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent of the amount outstanding per month on a refund that is not made within forty-five (45) days. These provisions apply only to the original purchaser of this Protection Plan . In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least five (5) days prior to cancellation which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by You relating to the covered property or its use, or a substantial breach of Your duties relating to the covered Product or its use. Obligations of the provider under this Protection Plan are insured under a service contract reimbursement policy. In the event a covered service is not provided by Us within sixty (60) days after proof of loss has been filed, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Ave, 3rd Floor, New York, NY 10022. 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 Regulations, PO Box 12157, Austin TX 78711, 1 (800) 803-9202.

UTAH only: The language in CANCELLATION section regarding Our rights to cancel this agreement is deleted and replaced with: We may cancel this Protection Plan by providing You with thirty (30) days written notice for the following reasons only: material misrepresentation, substantial change in the risk assumed or substantial breaches of contractual duties. We may cancel this Protection Plan by providing you with ten (10) days written notice, if the reason for cancellation is non-payment by you. The following sentence is added as the last sentence of the WHAT TO DO IF YOU REQUIRE SERVICE section: If it is an emergency situation and We cannot be reached, You can proceed with repairs. We will reimburse You or the repairing facility in accordance with this Protection Plan provisions. All references to the denial of coverage or exclusion from coverage for pre-existing conditions shall not apply in cases where such conditions were known, or should reasonably have been known, by Us or the dealer. The following sentences are added to the end of the DISPUTE RESOLUTION section: Any matter in dispute between You and Us 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 copy of which is available on request from the company. Any decision reached by arbitration shall be binding upon both you and the company. The arbitration award may include attorney's fees if allowed by state law and may be entered as a judgement in any court of proper jurisdiction. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to Starr Indemnity & Liability Company, who insures the Administrator’s obligations under this Protection Plan, located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. Coverage afforded under this Protection Plan is not guaranteed by the Property and Casualty Guaranty Association. This service contract or warranty is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department.

VERMONT only: You may return this Protection Plan within twenty (20) days of receipt and, if no claim for service has been made, receive a full refund of the purchase price. To arrange for cancellation of this Plan, please contact Your Seller. Our obligations under this Protection Plan are supported by a contractual liability insurance policy issued by Starr Indemnity & Liability Company. In an event that We are unable to perform under the contract, Starr Indemnity & Liability Company, which shall pay on Our behalf any sums We are legally obligated to pay and shall provide the service, which We are legally obligated to perform according to the Our contractual obligations under this Protection Plan. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390].

VIRGINIA only: 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 www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml to file a complaint.

WASHINGTON only: The “Guarantee” provision of these Terms and Conditions as set forth above is deleted in its entirety and replaced with the following: This is not an insurance policy. Obligations of the service contract obligor under this Protection Plan are backed by the full faith and credit of the service contract obligor, Starr Underwriting Agency, Inc., located at 399 Park Avenue, 3rd Floor, New York, NY 10022. You may contact them toll-free at [(855) 438-2390].

WISCONSIN only: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. Arbitration: If You are a resident of Wisconsin, the following shall replace all references to Arbitration in these Terms and Conditions: Arbitration is not mandatory and has to be by mutual agreement. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, or if the provider becomes insolvent or otherwise financially impaired, the claim can be submitted to Starr Indemnity & Liability Company, who insures Our obligations under this Protection Plan, located at 399 Park Avenue, 3rd Floor, New York, NY 10022, [(855) 438-2390]. You may return this Protection Plan within twenty (20) days of the date this Protection Plan was mailed to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You or credited to Your account. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent per month on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to Us. If We cancel this Protection Plan, We will provide You at least 5 days written notice prior of cancellation stating the effective date and reason. These provisions apply only to the original purchaser of this Protection Plan. In the event that You experience a total loss of property covered by this contract that is not covered by a replacement of the property pursuant to the terms of the contract, You shall be entitled to cancel this contract and receive a pro rata refund of any unearned provider fee, less any claims paid. Lack of pre-authorization shall be the sole grounds for a claim denial; however, unauthorized repairs may not be covered if evaluated to have been at an unreasonable expense.

WYOMING only: You may return this Protection Plan within twenty (20) days of the date this Protection Plan was provided to You, or within ten (10) days, if this Protection Plan was delivered to You at the time of sale. If You made no claim, this Protection Plan is void and the full purchase price will be refunded to You. To arrange for cancellation of this Plan, please contact Your Seller. We will pay a penalty of ten (10) percent on a refund that is not paid or credited within forty-five (45) days after return of this Protection Plan to Us. These provisions apply only to the original purchaser of this Protection Plan. In the event We cancel this Protection Plan, We will mail a written notice to You at Your last known address at least ten (10) days prior to cancellation, which shall state the effective date of cancellation and the reason for cancellation. However, prior notice is not required, if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by You relating to the Covered Product or its use, or a substantial breach of Your duties relating to the Covered Product or its use. Obligations under this Protection Plan are insured by Starr Indemnity & Liability Company located at 399 Park Avenue, 3rd Floor, New York, NY 10022.

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CLOTHING & FOOTWEAR - New arrivals and the best selection yet!

CLOTHING & FOOTWEAR - New arrivals and the best selection yet!

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