Grow Your Business with HPWH extended warranties

STATE DISCLOSURES:

The Plan is amended and the language below governs if You purchased this Plan in a state  listed below.  

Alabama  

Section 8. General Provisions: Dispute Resolution – Arbitration is amended as follows:  All references to the state of “Illinois” are replaced with “Alabama”.  Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  A 10% penalty per month shall be added to a refund that is  not paid or credited within 45 days after You cancel the Plan.  Prior notice is not required for  cancellation due to nonpayment, material misrepresentation, or a substantial breach  relating to the covered Product or its use. No claim incurred or paid will be deducted from  any cancellation refund regardless of who initiates the cancellation.  

Arizona  

Section 6 Exclusions and Limitations is amended as follows: Exclusion (c.) does not  apply to any and all defects that existed and were known by You prior to the effective date  of this Plan, except if such conditions were known or should reasonably have been known  by Us or Our subcontractors.   Section 8. General Provisions: Dispute Resolution – Arbitration is amended as follows:  Notwithstanding the Arbitration provision, you have the right to file a complaint with the  Arizona Department of Insurance and Financial Institutions (D.I.F.I.). You can file a  complaint with the D.I.F.I. against a Service Company issuing an approved Plan by  contacting the Consumer Protection Division of the D.I.F.I., at phone number 602-364-2499  or difi.az.gov.  Section 7. Cancellations is amended as follows: We will not cancel or void this Plan due  to acts or omissions of Us or Our subcontractors for failure to provide correct information  or failure to perform the services or repairs provided in a timely, competent, workmanlike  manner.  We will not cancel this Plan due to misrepresentation either by Us or any person  selling the Plan on Our behalf.  We may cancel or void coverage due to material acts or  omissions by You which may include fraudulent or unlawful acts arising out of or relating to  this Plan or use of the covered Product in a manner other than as intended by the  manufacturer that is likely to increase the likelihood that the covered Product will be  damaged or require repairs  

Arkansas  

Section 7. Cancellations is amended as follows:   If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full Plan Price  including applicable sales tax. A 10% penalty per month shall be applied to refunds not  paid or credited within 45 days of receipt of the returned Plan.  Section 8. General Provisions:  Insurance is amended as follows:   A claim submitted to the insurer may include a claim of the unearned premium in the event  of a cancellation.   

California  

The Bureau of Household Goods and Services does not regulate commercial use  references in this Plan just residential coverage  Section 8. General Provisions: Dispute Resolution – Arbitration is amended with the  following:  The arbitration provision does not limit or abridge in any way the filing by a California  resident of a civil action to enforce rights conferred by the Ralph Civil Rights Act, California  Civil Code Section 51.7. Nothing herein shall prevent You from bringing an action in a small  claims court of appropriate jurisdiction for damages not to exceed $5,000.00. The  arbitration provision does not prohibit a California resident from following the process to  resolve complaints as outlined by the California Department of Consumer Affairs.  To learn  more about this process, You may contact them at 1-800-952-5210, or You may write to  Department of Consumer Affairs, Consumer Information Division, [4244 S. Market Court,  Suite D Sacramento, CA 95834], or You may visit their website at [www.bhgs.dca.ca.gov].  Section 7. Cancellations is amended as follows:  If You cancel within the first sixty (60) days and no claim has been made, You will receive a  refund of 100% of the Plan purchase price. If You cancel after the first sixty (60) days or if a  claim was made during the first sixty (60) days, You will receive a pro rata refund of the Plan  purchase price, less the total actual cost of any service, labor, payments, reimbursements,  replacements, parts, coverages and/or benefits received. You may cancel this Plan if You  return the Product(s), or the Product(s) is sold, lost, stolen, or destroyed.  

Colorado  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full Plan Price  including applicable sales tax. A 10% penalty per month shall be added to a refund that is  not paid or credited within 45 days after You cancel the Plan.   

Connecticut  

Section 3. Eligibility and Term item 2 is amended as follows: The expiration date of this  Plan shall automatically be extended by the duration that the product is in Our custody  while being repaired.    Section 8. General Provisions: Dispute Resolution – Arbitration is amended as follows:  In the event of a dispute with the Administrator, You may contact The State of Connecticut,  Insurance Department, PO Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The  written complaint must contain a description of the dispute, the purchase price of the  Product, the cost of repair of the Product and a copy of the Plan.  Section 7. Cancellations is amended as follows:  You may cancel this Plan if You return the Product or the Product is sold, lost, stolen, or  destroyed.   

District of Columbia  

Section 7. Cancellations is amended as follows: If You do not receive the refund within 45  days, a 10% penalty per month shall be added to the refund.   

Florida  

The rate charged for this Plan is not subject to regulation by the Florida Office of Insurance  Regulation.  Section 8. General Provisions: Dispute Resolution – Arbitration is  amended as follows:  While arbitration is mandatory, the outcome of any arbitration will be non-binding on the  parties, and either party will, following arbitration, have the right to reject the arbitration  award and bring suit in a court of competent jurisdiction. The arbitration action will take  place in the county where You reside.   

Georgia  

Section 6 Exclusions and Limitations is amended as follows: This Plan excludes coverage  for incidental and consequential damages and pre-existing conditions only to the extent  such damages or conditions are known to You or reasonably should have been known to  You.  The phrase “LESS CLAIMS PAID” is deleted from the paragraph that begins with “SHOULD  THE MANUFACTURER OF YOUR PRODUCT BECOME INSOLVENT…”  Section 8. General Provisions: Dispute Resolution – Arbitration is  deleted in its entirety.  Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and a  claim has been made, You will be receive a full refund less any claims paid. If You cancel  this Plan after twenty (20) days of mailing or ten (10) days of delivery, you will receive a pro rata refund less any claims paid. We may cancel this Plan only for fraud, material  misrepresentation, or non-payment of the purchase Price.  If a dispute arises between the  English and Spanish, due to issues of interpretation, the English version will prevail in all  case.  

Hawaii  

Section 7. Cancellations is amended as follows:  A 10% penalty per month shall be added to a refund that is not paid or credited within 45  days after You cancel the Plan.   

Indiana  

Your proof of payment to Us for this Plan shall be considered proof of payment to the  insurance company which guarantees Our obligations to You. This Plan is not insurance  and is not subject to Indiana insurance law.  

Maine  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full Plan Price  including applicable sales tax. Prior notice is not required for cancellation due to  nonpayment, material misrepresentation, or a substantial breach relating to the covered  Product or its use. A 10% penalty per month shall be added to a refund that is not paid or  credited within 45 days after You cancel the Plan.   

Massachusetts  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full Plan Price  including applicable sales tax. A 10% penalty per month shall be added to a refund that is  not paid or credited within 45 days after You cancel the Plan.   

Maryland  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within the first twenty (20) days after receipt, and no service events  have been paid, this Plan is void and We will issue a full refund including applicable sales  tax. A 10% penalty per month shall be added to a refund that is not paid or credited within  45 days after You cancel the Plan.   This Plan is extended automatically when We fail to perform the services under this Plan.  This Plan will not terminate until services are provided in accordance with the terms of the  Plan. If We breach any of Our duties under this Plan, You may file an action in any court of  competent jurisdiction.  

Michigan  

Section 3. Eligibility and Term is amended as follows:  If performance under this Plan is interrupted because of a strike or work stoppage at Our  place of business, the effective period of the Plan shall be extended for the period of the  strike or work stoppage.  

Minnesota  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  A 10% penalty per month shall be added to a refund that is  not paid or credited within 45 days after You cancel the Plan.  You will receive five (5) days’  notice if the reason for cancellation is nonpayment of the purchase price, a material  misrepresentation by You to Us, or a substantial breach of duties by You relating to the  covered Product or its use.  Any Arbitration shall take place in the state where You reside or  at any other place agreed to in writing by You and National Product Care Company.  

Missouri   

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  A 10% penalty per month (or portion thereof) and any  accrued penalties will be added to any refund that is not paid or credited within forty-five  (45) days after You cancel the Plan.  No claims paid will be deducted from any refund  regardless of who initiates the cancellation.    

Montana  

Section 7. Cancellations is amended as follows:   If We cancel this Plan, We will provide written notice with the cancellation date and reason  for cancellation at the last known mailing or electronic address at least five (5) days prior to  the cancellation date. Prior notice is not required for cancellation due to nonpayment,  material misrepresentation, or a substantial breach relating to the covered Product or its  use.  

Nebraska  

Section 8. General Provisions: Dispute Resolution – Arbitration is  deleted in its entirety  and replaced with the following:  Notwithstanding anything in this Plan to the contrary, if You and We mutually agree at the  time of loss, this Plan provides for arbitration if there is an unresolved dispute between You  and Us concerning this Plan. You agree not to participate as a class representative or class  member in any class action litigation, any class arbitration or any consolidation of  individual arbitrations. In arbitration, a group of three arbitrators (each of whom is an  independent, neutral third party) will give a decision after hearing Your and Our positions.  The decision of a majority of the arbitrators will determine the outcome of the arbitration  and the decision of the arbitrators shall not be binding upon You. Any dispute on the  application of this arbitration provision will be made by the local court of law in the county  and state where You live. Notwithstanding this arbitration provision, You are not prohibited  from bringing an action in Small Claims Court to resolve Your dispute.  The Consumer Arbitration Rules of the American Arbitration Association (www.adr.org) will  apply to any arbitration under this Plan. To start arbitration, either You or We must make a  written demand to the other party for arbitration. This demand must be made within 1 year  of the earlier of the date the loss occurred or the dispute arose or the applicable statute of  limitations period, whichever is longer. You and We will each separately select an arbitrator.  The two arbitrators will select a third arbitrator called an “umpire.” All costs and expenses  of the arbitration will be shared equally by You and Us. Unless otherwise agreed to by You  and Us, the arbitration will take place in the county and state in which You live. The  procedural rules for arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. §  1 et. seq.) and not by any state law concerning arbitration. The rules of the American  Arbitration Association (www.adr.org) will apply to any arbitration under this Plan.  

Nevada  

Section 8. General Provisions: Dispute Resolution – Arbitration is  amended as follows:  All references to the state of “Illinois” are replaced with “Nevada”.   Section 7. Cancellations is deleted and replaced with the following:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  A 10% penalty per month (or portion thereof) and any  accrued penalties will be added to any refund that is not paid or credited within forty-five  (45) days after the cancellation date.  We may not cancel this Plan once it has been in  effect for seventy (70) days, except for the following conditions: non-payment of this Plan;  the conviction of a crime which results in an increase in the service required under this  Plan; fraud or material misrepresentation in purchasing this Plan or obtaining service; the  discovery of an act or omission, or a violation of any condition of this Plan which  substantially and materially increases the service required under this Plan; or a material  change in the nature or extent of the service required which occurs after the purchase of  this Plan and substantially and materially increases the service required beyond that  contemplated at the time of purchase. If We Cancel, You will receive a refund for any  unearned pro rata purchase price.  If We cancel Your Plan, We will mail written notice to  You within fifteen (15) days of cancellation stating the effective date of cancellation and the  reasons.No claims or repairs incurred may be deducted from any refund.  Section 6 Exclusions and Limitations is amended as follows:  This Plan will not cover any unauthorized or non-manufacturer recommended  modifications to the covered Product, or any damages arising from such unauthorized  or non-manufacturer recommended modifications. However, if the covered Product is  modified or repaired in an unauthorized or non-manufacturer recommended manner,  We will not automatically suspend all coverage. Rather, this Plan will continue to  provide any applicable coverage that is not related to the unauthorized or non manufacturer-recommended modification or any damages arising therefrom, unless  such coverage is otherwise excluded by the terms of this Plan.   If you are not satisfied with the manner in which We handle Your Claim, You may contact  the Nevada Division of Insurance commissioner, toll free, [1-888-872-3234].  

New Hampshire  

In the event You do not receive satisfaction under this Plan, You may contact the New  Hampshire Insurance Department, 21 South Fruit Street, Concord, NH 03301, (603) 271 2261.  Section 6 Exclusions and Limitations is amended as follows: (c) ANY AND ALL PRE EXISTING CONDITIONS THAT OCCUR PRIOR TO THE EFFECTIVE DATE OF THIS PLAN  Any or all loss or damage that occur prior to the effective date of this Plan will not be  covered;  The phrase “LESS CLAIMS PAID” is deleted from the paragraph that begins with “SHOULD  THE MANUFACTURER OF YOUR PRODUCT BECOME INSOLVENT…”  Section 8. General Provisions: Dispute Resolution – Arbitration is  amended as follows:  The following language is added: All arbitration or dispute resolution in New Hampshire is  subject to and will not impede any consumer rights as provided for under New Hampshire  RSA 542.  All references to the state of “Illinois” are replaced with “New Hampshire”.  Section 7. Cancellations is amended as follows:  Regardless of who cancels the Plan, the cost of claims paid or services provided will not be  deducted from any refund issued.   

New Jersey  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax. A 10% penalty per month shall be added to a refund that is  not paid or credited within 45 days after You cancel the Plan. If We cancel this Plan, We will  provide written notice with the cancellation date and reason for cancellation at the last  known mailing or electronic address at least five (5) days prior to the cancellation date.  Prior notice is not required for cancellation due to nonpayment, material  misrepresentation, or a substantial breach relating to the covered Product or its use.  

New Mexico  Section 7. Cancellations is deleted and replaced with the following:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  If You have any concerns regarding the handling of Your  claim, You may contact the Office of Superintendent of Insurance at [855-427-5674]. If a  refund is not paid or credited within sixty (60) days after cancellation, We will pay You a  penalty of 10% of the Plan Price for each 30 day period or portion thereof that the refund  and any accrued penalties remain unpaid. If You cancel Your Plan after thirty (30) days from  the date of purchase, You will receive 100% of the unearned pro rata refund of the Price  less the total actual cost of any service, labor, payments, reimbursements, replacements,  parts, coverages and/or benefits received.  For cancellation of Plans containing multiple  Products, You will receive 100% of the unearned pro rata refund of the Price of the entire  Plan less the total actual cost of any services or benefits received. We may not cancel this  Plan once it has been in effect for at least seventy (70) days before the expiration of the  agreed term or one (1) year after the effective date of the Plan, whichever occurs first,  except for the following conditions: failure to pay the Plan Price; conviction of a crime  which results in an increase in the service required under the Plan; fraud or material  misrepresentation in purchasing the Plan or obtaining service; or the discovery of an act or  omission, or a violation of any condition of the plan which substantially and materially  increases the service required under the Plan.  If We cancel, You will receive a refund for  any unearned pro rata price paid, less the actual cost of any service, labor, payments,  reimbursements, replacements, parts, coverages and/or benefits received.  

New York  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax. A 10% penalty per month shall be added to a refund that is not paid or credited within 30 days after You cancel the Plan. Prior notice is not required for  cancellation due to nonpayment, material misrepresentation, or a substantial breach  relating to the covered Product or its use.  

North Carolina  

The purchase of this Plan is not required either to purchase or to obtain financing for Your  Product.  Section 7. Cancellations is amended as follows: We may not cancel this Plan except for   non-payment or a direct violation of the Plan by You.   

Ohio  

Section 8. General Provisions:  Insurance is amended as follows:  A claim submitted to  the insurer may include a claim of the unearned premium in the event of a cancellation.   

Oklahoma   

Coverage afforded under this Plan is not guaranteed by the Oklahoma Insurance Guaranty  Association. Oklahoma service warranty statutes do not apply to commercial use  references in this Plan.  Section 8. General Provisions: Dispute Resolution – Arbitration is  amended as follows:  Read The Following Arbitration Provision (“Provision”) Carefully. It Limits Certain Of  Your Rights, Including Your Right To Obtain Relief or Damages Through Court Action  Prior to Engaging in Non-Binding Arbitration. Disputes under this Plan shall be subject  to mandatory, non-binding arbitration. To begin Arbitration, either YOU or WE must  make a written demand to the other party for arbitration. The Arbitration will take  place before a single arbitrator. It will be administered in keeping with the Expedited  Procedures of the Consumer Arbitration Rules ("Rules") of the American Arbitration  Association ("AAA") in effect when the CLAIM is filed. YOU may get a copy of these  AAA's Rules by contacting AAA at [1633 Broadway, 10th Floor, New York, NY 10019] or  visiting [www.adr.org].  WE will advance to YOU all or part of the fees of the AAA and of  the arbitrator.  Unless YOU and WE agree otherwise, the arbitration will take place in  the county and state where YOU live. The Federal Arbitration Act, 9 U.S.C. § 1, et seq.,  will govern and no state, local or other arbitration law will apply. YOU AGREE AND  UNDERSTAND THAT this arbitration provision means that YOU give up YOUR right to go  to court on any CLAIM covered by this provision. YOU also agree that any arbitration  proceeding will only consider YOUR CLAIMS.  CLAIMS by, or on behalf of, other  individuals will not be arbitrated in any proceeding that is considering YOUR CLAIMS.  Please refer to the State Disclosures section of this Plan for any added requirements  in YOUR state. In the event this Arbitration provision is not approved by the  appropriate state regulatory agency, and/or is stricken, severed, or otherwise deemed  unenforceable by a court of competent jurisdiction, YOU and WE specifically agree to  waive and forever give up the right to a trial by jury. Instead, in the event any litigation  arises between YOU and US, any such lawsuit will be tried before a judge, and a jury  will not be impaneled or struck. All references to the state of “Illinois” are replaced  with “Oklahoma”.  

Oregon  

NOTICE – Sentence (2) is deleted.  Section 8. General Provisions: Dispute Resolution – Arbitration is  deleted in its entirety.  

South Carolina  

In the event of a dispute with Us, You may contact the South Carolina Department of  Insurance, Capitol Center, [1201 Main Street, Ste. 1000, Columbia, South Carolina, 29201]  or [(800) 768-3467].    Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax. Prior notice is not required for cancellation due to  nonpayment, material misrepresentation, or a substantial breach relating to the covered  Product or its use.  A 10% penalty per month shall be added to a refund that is not paid or  credited within 45 days after return of the Plan to Us.  

Texas  

If You have complaints or questions regarding this Plan, contact the Texas Department  of Licensing and Regulation at the following address and telephone number: Texas  Department of Licensing and Regulation, [P.O. Box 12157, Austin, Texas 78711]; [(512)  463-6599] or [(800) 803-9202] (within Texas only).    Section 7. Cancellations is amended as follows:  You may cancel this Plan before the thirty-first (31st) day of purchase. If the Plan is  cancelled within the applicable time period, You will receive a one hundred percent (100%)  refund of the purchase price paid for this Plan.  If You cancel this Plan on or after the thirty f irst (31st) day of purchase, You will receive a refund for any unearned pro rata price paid,  less the actual cost of any service, labor, payments, reimbursements, replacements, parts,  coverages and/or benefits received.   A 10% penalty per month shall be added to a refund  that is not paid or credited within 45 days after return of the Plan to Us.  Section 8. General Provisions:  Insurance is amended as follows:  You may apply for reimbursement directly to the insurer if a refund or credit is not paid  before the 46th day after the date on which the Plan is returned to the Provider, or if any  covered service is not provided by Us before the sixty-first (61st) day after the proof of loss  has been filed.  

Utah  

This Plan is subject to limited regulation by the Utah Insurance Department. To file a  complaint, contact the Utah Insurance Department.  Coverage afforded under this Plan is  not guaranteed by the Utah Property and Casualty Guaranty Association.  Section 8. General Provisions: Dispute Resolution – Arbitration is  deleted in its entirety.  Section 7. Cancellations is amended as follows:  We may cancel this Plan during the first sixty (60) days for any reason or after sixty (60) days  for the following reasons only: non-payment of the Purchase price; material misrepresentation; substantial change in the risk assumed, unless We should reasonably  have foreseen the change or contemplated the risk when entering into the Plan; or  substantial breach of contractual duties, conditions, or warranties. We will mail the written  notice to Your last known address, stating the effective date and reason for cancellation, at  least ten (10) days prior to cancellation for non-payment of the Plan Price, and thirty (30)  days prior to cancellation for material misrepresentation, substantial change in risk, or  substantial breach of contractual duties, conditions or warranties.  

Vermont  

Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  Section 8. General Provisions: Dispute Resolution – Arbitration is  amended as follows:  All references to the state of “Illinois” are replaced with “Vermont”.  

Virginia  

Section 8. General Provisions: Dispute Resolution – Arbitration is  amended as follows:  All references to the state of “Illinois” are replaced with “Virginia”.  Section 7. Cancellations is amended as follows:  If any promise made in the Plan 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  

Section 8. General Provisions: Dispute Resolution – Arbitration is  amended as follows:  All references to the state of “Illinois” are replaced with “Washington”. Nothing in the  section headed Dispute Resolution will invalidate Washington state law(s) which would  otherwise be applicable to any arbitration proceeding arising from this Plan. All arbitrations  will be held in the county in which You maintain Your permanent residence.  Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  A 10% penalty per month will be added to a refund that is  not made within 30 days of Your return of the Plan.  These provisions apply only to the  original purchaser of the Plan.  In the event We cancel this Plan, We will mail a written  notice to You at Your last known address at least 21 days prior to cancellation with the  effective date for the cancellation and the reason for cancellation.  

Wisconsin  

THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE  COMMISSIONER OF INSURANCE.    This is a Plan as regulated under Wisconsin law and as referenced in the Federal Public  Law #93-637.    Section 8. General Provisions: Dispute Resolution – Arbitration is  deleted in its entirety.  Section 7. Cancellations is amended as follows:  If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  A 10% penalty per month shall be added to a refund that is  not paid or credited within 45 days after You cancel the Plan. In the event Your Product is  total loss, You may cancel this Plan and receive a pro-rata refund of the Plan purchase  price, less any claims paid.   Section 8. General Provisions:  Insurance is amended as follows:  If the Provider ceases to operate, becomes insolvent or otherwise financially impaired, You  may file a claim directly with the Plan reimbursement insurer for reimbursement.  Unauthorized repairs may not be covered.  

Wyoming  

Section 8. General Provisions: Dispute Resolution – Arbitration is  deleted in its entirety.  Section 7. Cancellations is amended as follows:   If You cancel this Plan within twenty (20) days of mailing or ten (10) days of delivery, and no  claim has been made, this Plan will be void and You will be refunded the full purchase price  including applicable sales tax.  A 10% penalty per month shall be applied to refunds not  paid or credited within 45 days of receipt of the returned Plan.  Prior notice is not required  for cancellation due to nonpayment, material misrepresentation, or a substantial breach  relating to the covered Product or its use.    

These terms & conditions are available by calling (800) 800-1492 to have a copy mailed  to You.  .