FURNITURERX SUBSCRIPTION PROTECTION PLANS

TERMS & CONDITIONS

This Plan is a recurring Subscription Plan with payments due every thirty (30) days. Please read these Terms and Conditions carefully.

INDEX

• I. YOUR RESPONSIBILITIES
• II. DEFINITIONS
• III. COVERAGE
• IV. EXCLUSIONS – WHAT’S NOT COVERED
• V. SUBSCRIPTION TERMS
• VI. OBTAINING SERVICE & FILING CLAIMS
• VII. CANCELLING A SUBSCRIPTION
• VIII. OTHER IMPORTANT TERMS
• IX. SPECIAL STATE REQUIREMENTS

I. YOUR RESPONSIBILITIES

Thoroughly read these Terms & Conditions, including the "Coverage," "Exclusions," and "Obtaining Service & Filing Claims" sections BEFORE YOU PURCHASE THIS PLAN. This Plan incorporates specific limitations on Coverage that are designed to maintain its affordability.

Read all owner's manuals and accompanying information of Items covered by this Plan to help maintain the Items in good working order. Proper handling and care of Items is required to maintain Coverage under this Plan.

Retain sales receipts and other documents showing Your purchase of the Items and this Plan. You may be required to upload a legible image of Your sales receipt showing Your purchase of the covered Items when purchasing this Subscription Plan or filing claims under this Plan.

Provide accurate information when making claims under this Plan. If You provide false or misleading information, at Our option, We will cancel this Plan and cease servicing any claims that You made under this Plan.

You agree not to cancel, or report as unauthorized, any Subscription Payment that You have made to Us for which You received coverage under this Plan.

You agree to cooperate with Us and Our reasonable requests so that We can provide the services required of Us under this Plan.

II. DEFINITIONS

• Plan: Means this Subscription Protection Plan, under which advance Subscription Payments are due every thirty (30) days through the FurnitureRx Subscription platform to purchase and maintain consecutive Coverage Terms.
• Reseller: Means the FurnitureRx "Kiosk" website portal, a retailer, or an interior designer, who sold You the Item(s) covered by this Plan and/or processed Your purchase of this Plan through the FurnitureRx retail dealer "Kiosk" portal. Only Resellers who, at the time of sale, held a valid Reseller Account ID (RAID) previously issued by Us are authorized to sell this Plan. To verify a RAID, You may call 1-800-637-8316 toll-free. Plans processed through the Kiosk by entities or individuals who did not hold a valid RAID at the time of Your purchase, are not valid and provide no coverage and Your sole recourse in such case is against the individual(s) or entity that sold or processed a Plan purchase through the Kiosk.
• Kiosk: The FurnitureRx retail Kiosk site provided by Us for Resellers holding a RAID for processing sales of this Plan.
• Item: An Item that is eligible for coverage under this Plan as described in the Coverage section of this Plan.
• We, Our, or Us: Means Risk Assurance Partners, LLC.
• Obligor: Means Risk Assurance Partners, LLC, 1625 South Congress Avenue, Suite 315, Delray Beach, FL 33445.
• Administrator: Means Risk Assurance Partners, LLC, 1625 South Congress Avenue, Suite 315, Delray Beach, FL 33445.
• You or Your: Means the person(s) named on the last page of this Plan.
• Coverage Term or Term: Means each consecutive thirty (30)-day period of coverage purchased by a successfully made Subscription payment. A Coverage Term is an exact thirty (30)-day period and is not a calendar month.
• Effective Date: Means the date on which Your first Coverage Term begins under the applicable coverage schedule described in Section III. Day 1 is the date Your first required Subscription payment is successfully made. The Effective Date is Day 31 for an in-store purchase made before delivery and Day 61 for a Subscription purchased within thirty (30) days after delivery or in-home possession of the Items. For an approved restart, Day 1 is the date on which both the Restart Fee and first Subscription payment are successfully made, and the Effective Date is Day 31.
• Coverage: Means protection from damage(s) or defect(s) for Items as described in the Coverage section of this Plan.
• Exclusions: Means damage(s) or defect(s) that are NOT covered as described in the Exclusions section of this Plan.
• Damage: Means an unanticipated event that directly or indirectly causes damage to or failure of an Item (not all Damage is covered, exclusions apply).
• Defect: Means the failure to function as designed because of flaws in material or workmanship, during normal use of Item(s).
• Co-Pay: Means coverage under this Plan that requires that You first pay an amount to access Coverage.
• Pet: Means dogs, cats, birds, reptiles, arachnids, or other animals kept by You; provided that "Pet" does not include an animal owned or raised on a farm to generate a profit through the operation of a business or used as a food source.
• Purchase Amount or Retail: Means the amount that You paid for the Item(s) or this Plan, excluding taxes, fees, and delivery charges.
• Sales Receipt: Means the original sales receipt or sales order issued by the Reseller showing Your purchase of the Item(s). Your purchase of the Subscription is established separately by Our FurnitureRx Subscription platform records.
• Wear & Tear, General Soiling & Odor: Means a gradual buildup of dirt, dust, body oils, scratches, chips, dents, stains, or similar damage that cannot be attributed to a single incident. For the avoidance of doubt, "Odor" means any smell emanating from covered Item(s).
• Claim: Means one (1) claim filed with Us for one (1) Item, in the manner described in this Plan.
• For Fee Service: Means services that We provide that are not covered under this Plan and for which You agree to pay or reimburse Us.
• Subscription: Means Your recurring enrollment in this Plan through the FurnitureRx Subscription platform.
• Subscription Payment: Means each payment due every thirty (30) days to purchase a future Coverage Term under the applicable coverage schedule. Subscription Payments must be made through the FurnitureRx Subscription platform. No other form of payment is accepted.

III. COVERAGE

FURNITURERX HOME FURNISHINGS PLANS

A. FURNITURE PLAN (EXCLUDING OUTDOOR)

Item(s) covered by this Home Furnishings Plan are limited to new Item(s) that include only the following: Upholstered furniture covered in fabric, microfiber, leather, or vinyl (excluding grass, woven, and wicker items); solid surface wood or laminate furniture—including bedroom, dining room, home office, entertainment, dinette, accessory case goods, all designed for indoor use and that You purchased new from an authorized Reseller of this Plan. This Plan does not cover damage from acts of God.

Coverage

1. 1. Most Stains: Applies to Fabric, Microfiber, Vinyl, Leather, Top Grain Leather, and Wood/Solid Surface. Covers accidental single-incident stains from common household food, beverage, and ink sources. Excludes caustic, bleach, dye-type substances, and stains from continuous exposure.
2. 2. Dye Transfer: Covers isolated dye transfer from clothing, newspaper, or similar items. Excludes large-area discoloration from repeated exposure.
3. 3. Burn or Heat Marks: Covers accidental burn or heat marks from a single incident.
4. 4. Rips, Tears, or Punctures: Covers accidental single-incident rips, tears, and punctures. Excludes seam separation and zippers.
5. 5. Cracking and Peeling of Top Grain Leather: Covers cracking and peeling of Top Grain Leather only. Does not apply to non-top-grain upholstery, bi-cast, or bonded leather.
6. 6. Breakage of Frames, Springs & Structural Components: Covers breakage of frames, springs, and structural components on covered upholstered and wood/solid surface Items. Chair joint and chair rung breakage and loosening are EXCLUDED.
7. 7. Failure of Integral Electrical Components: Covers failure of factory-installed motors, switches, outlets, and control devices on upholstered and wood/solid surface Items. Excludes damage caused by electrical surges, Acts of God, batteries, bulbs, and lost remote controls.
8. 8. Scratches, Dents, Chips, or Gouges Penetrating the Finish: Applies to Wood and Solid Surface furniture. Damage must penetrate the finish.
9. 9. Checking, Cracking, Bubbling, Peeling, or Lifting of Veneers: Applies to Wood and Solid Surface furniture finishes.
10. 10. Warping: Applies to Wood and Solid Surface furniture.
11. 11. Mirror Chipping, Breakage, or Loss of Silvering: Applies to integral mirrors on covered furniture. Excludes hand-held or decorative mirrors not attached to covered Items.

Additional Terms

1. 12. Matching items are not covered, even if part of a set. Sectionals and matching headboards/footboards are considered a single Item when replaced.
2. 13. Replacement credits are based on the retail price paid (excluding taxes/fees) and must be used within six (6) months of issuance or they will be void.
3. 14. Credits are non-transferable, non-assignable, and not redeemable for cash.
4. 15. Credits may only be redeemed through the outlet We designate, which in many cases will be the original Reseller.
5. 16. If Your replacement Item exceeds the credit value, You are responsible for the difference, including applicable taxes and fees.
6. 17. These damages are Not Considered Stains, Rips, Tears or Burns: Delamination; surface wear, including fading, discoloration from light exposure, or material aging; damage from misuse, sun fading or yellowing, neglect, lack of care, or manufacturer defects.

B. OUTDOOR FURNITURE COVERAGE

Item(s) covered by this Outdoor Furniture Plan are limited to these Items manufactured for outdoor use: Outdoor seating, sofas, sectionals, chairs, chaises, benches, dining sets, tables, bar stools, ottomans, and accessory case goods; all-weather wicker, teak and other outdoor woods, aluminum, steel, wrought iron, and resin, together with their associated outdoor cushions; and glass tops and frames, that You purchased new from an authorized Reseller of this Plan. This Plan does not cover damage from acts of God or umbrellas.

Coverage

1. 1. Breakage of Frames and Panels: Covers structural breakage of outdoor furniture frames and panels resulting from a single, isolated incident on Items designed and manufactured for outdoor use. Other exclusions described in this Plan apply.
2. 2. Stains from a Single Incident: Covers accidental stains caused by a single, isolated incident on Items designed and manufactured for outdoor use. Excludes stains from pests, wildlife, insects, or vermin.
3. 3. Punctures, Rips, Burns, Tears, or Cuts from a Single Incident: Covers accidental punctures, rips, burns, tears, or cuts caused by a single, isolated incident on Items designed and manufactured for outdoor use. Excludes wind and weather damage.
4. 4. Liquid Marks from a Single Incident: Covers accidental liquid marks (such as water rings or similar liquid-caused marks) caused by a single, isolated incident on Items designed and manufactured for outdoor use. Excludes flood and weather damage.
5. 5. Glass Chipping or Breakage: Covers accidental chipping or breakage of glass components (such as glass tops on outdoor tables) caused by a single, isolated incident. Other exclusions described in this Plan apply.
6. 6. Rust on Ferrous Metals/Alloys: Covers rust that compromises ferrous metals and ferrous metal alloys used in the structural construction of Items designed and manufactured for outdoor use. Excludes rust stains.

Additional Terms

1. 7. Matching items are not covered, even if part of a set. Sectionals are considered a single Item when replaced.
2. 8. Replacement credits are based on the retail price paid (excluding taxes/fees) and must be used within six (6) months of issuance or they will be void.
3. 9. Credits are non-transferable, non-assignable, and not redeemable for cash.
4. 10. Credits may only be redeemed through the outlet We designate, which in many cases will be the original Reseller.
5. 11. If Your replacement Item exceeds the credit value, You are responsible for the difference, including applicable taxes and fees.
6. 12. These damages are Not Considered Stains, Rips, Tears or Burns: Delamination; surface wear, including fading, discoloration from light exposure, or material aging; damage from misuse, sun fading or yellowing, neglect, lack of care, or manufacturer defects.

C. AREA RUG PLAN

Item(s) covered by this Area Rug Plan are limited to machine-made area rugs designed for indoor residential use, that You purchased new from an authorized Reseller. This Plan does not cover Handmade rugs, One-of-a-kind rugs, Silk rugs, Natural fiber rugs, Outdoor rugs, Commercial rugs, general soiling or Acts of God.

Coverage

1. 1. Delamination Causing Buckling: Not caused by wear and tear.
2. 2. Unraveling, Loosening of Threads, or Splitting of Seams: Not caused by wear and tear; excludes damage from vacuums.
3. 3. Most Stains: Excludes caustic, bleach, and dye-type substances.
4. 4. Dye Transfer: Covers accidental dye transfer onto the area rug from another source.
5. 5. Burn/Singe Marks: Covers accidental single-incident burn or singe marks.
6. 6. Rips, Tears, or Punctures: Covers accidental single-incident rips, tears, and punctures.

Additional Terms

1. 7. Matching items are not covered, even if part of a set.
2. 8. Replacement credits are based on the retail price paid (excluding taxes/fees) and must be used within six (6) months of issuance or they will be void.
3. 9. Credits are non-transferable, non-assignable, and not redeemable for cash.
4. 10. Credits may only be redeemed through the outlet We designate, which in many cases will be the original Reseller.
5. 11. If Your replacement Item exceeds the credit value, You are responsible for the difference, including applicable taxes and fees.
6. 12. These damages are Not Considered Stains, Rips, Tears or Burns: Delamination; surface wear, including fading, discoloration from light exposure, or material aging; damage from misuse, sun fading or yellowing, neglect, lack of care, or manufacturer defects.

D. LAMPS & ACCESSORIES

Item(s) covered by this Lamps & Accessories Plan are limited to table and floor lamps that You purchased new from an authorized Reseller. This Plan excludes coverage for ceiling and wall lighting. Accessories include pictures, table pieces such as statues and ornamental items and other occasional items and exclude all other accessories.

Coverage

1. 1. Electrical failure (excludes bulbs, batteries and other consumables).
2. 2. Broken cords, excludes extension and other cords, excludes damage caused by electrical or cords.
3. 3. Broken frames or items.
4. 4. Broken shades, stains and dye transfer.

Additional Terms

1. 5. Matching items are not covered, even if part of a set.
2. 6. Replacement credits are based on the retail price paid (excluding taxes/fees) and must be used within six (6) months of issuance or they will be void.
3. 7. Credits are non-transferable, non-assignable, and not redeemable for cash.
4. 8. Credits may only be redeemed through the outlet We designate, which in many cases will be the original Reseller.
5. 9. If Your replacement Item exceeds the credit value, You are responsible for the difference, including applicable taxes and fees.
6. 10. These damages are Not Considered Stains, Rips, Tears or Burns: Delamination; surface wear, including fading, discoloration from light exposure, or material aging; damage from misuse, sun fading or yellowing, neglect, lack of care, or manufacturer defects.

FURNITURERX BEDDING PLANS

A. MATTRESS PLAN

Item(s) covered by this Mattress Plan are limited to new Mattresses & Box Springs, Linen or Pillow Sets and Protectors purchased with Your New Mattress, each that You purchased together, new, from an authorized Reseller of this Plan. This Plan does not cover general soiling, Acts of God, Frames, slats, rails, other support devices, or refurbished Items.

Coverage

1. 1. Accidental Stains that cannot be removed using normal commercial methods. Note that odors are not covered.
2. 2. Rips or Tears.
3. 3. Seam separations and loose buttons.
4. 4. Burns or singe marks. Excludes Acts of God and peril from house fires or other sources of fire, flame or ignition.

Additional Terms

1. 5. Matching items are not covered, even if part of a set.
2. 6. Unless You purchase a Comfort Guarantee, comfort and feel are not covered.
3. 7. Replacement credits are based on the retail price paid (excluding taxes/fees) and must be used within six (6) months of issuance or they will be void.
4. 8. Credits are non-transferable, non-assignable, and not redeemable for cash.
5. 9. Credits may only be redeemed through the outlet We designate, which in many cases will be the original Reseller.
6. 10. If Your replacement Item exceeds the credit value, You are responsible for the difference, including applicable taxes and fees.
7. 11. These damages are Not Considered Stains, Rips, Tears or Burns: Delamination; surface wear, including fading, discoloration from light exposure, or material aging; damage from misuse, sun fading or yellowing, neglect, lack of care, or manufacturer defects.

B. ADJUSTABLE BED BASE PLAN

Item(s) covered by this Adjustable Bed Base Plan are limited to new Adjustable Bed bases that You purchased from an authorized Reseller of this Plan. This Plan does not cover damage from electrical surges, Acts of God, or Items used for commercial or in-home care businesses.

Coverage for One Adjustable Bed Base

Each Adjustable Bed Base Plan covers one (1) Adjustable Bed Base. If a king bed configuration uses two separate Adjustable Bed Bases, You must purchase a separate Adjustable Bed Base Plan for each base.

1. 1. Accidental mechanism breakage or bending.
2. 2. Motor failure.
3. 3. Remote control failure and broken remote wires. Lost remotes are not covered under this Plan.
4. 4. You must purchase a Mattress Plan to cover a Mattress used with an Adjustable Bed Base.

Additional Terms

1. 5. Matching items are not covered, even if part of a set.
2. 6. Replacement credits are based on the retail price paid (excluding taxes/fees) and must be used within six (6) months of issuance or they will be void.
3. 7. Credits are non-transferable, non-assignable, and not redeemable for cash.
4. 8. Credits may only be redeemed through the outlet We designate, which in many cases will be the original Reseller.
5. 9. If Your replacement Item exceeds the credit value, You are responsible for the difference, including applicable taxes and fees.
6. 10. These damages are Not Considered Stains, Rips, Tears or Burns: Delamination; surface wear, including fading, discoloration from light exposure, or material aging; damage from misuse, sun fading or yellowing, neglect, lack of care, or manufacturer defects.

IV. EXCLUSIONS – WHAT'S NOT COVERED

In addition to any conditions, restrictions, or exclusions described elsewhere in this Plan, the exclusions listed below are not covered. If any exclusion applies, coverage will not be provided for that Claim. The determination of whether an exclusion applies shall be made solely and exclusively by Us, in Our absolute discretion.

1. A. Coverage excludes any Damage arising from renting or leasing an Item to another person; using an Item in a short-term rental, model home, or other property being showcased; commercial use of any kind; in-home assisted-living care; or in-home daycare.
2. B. Anything not specifically described as covered in the applicable Coverage section of this Plan.
3. C. Any Failure, Loss, Injury, or Damage that is not reported in accordance with the terms of this Plan is excluded.
4. D. Failure resulting from repairs, services, or alterations not authorized by Us; the use of maintenance products not approved by the manufacturer; or accessories not installed by the Item(s)’ manufacturer.
5. E. Second-hand, pre-owned, or refurbished Items, or Items sold without a warranty from a Retailer, distributor, or manufacturer.
6. F. This Plan does not apply to any Damage or Failure already covered by another warranty, guaranty, or service contract.
7. G. Any Failure, Loss, Injury, or Damage caused by wear and tear including, but not limited to, loss of foam resiliency, unsupervised minors, intentional acts, recurring or habitual, or normal use, is excluded.
8. H. Any Failure, Loss, Injury, or Damage caused by fire, theft, loss or misplacement of Items; insects or animals (other than Pets); exposure to weather (e.g., wind, rain, hail, sand, dirt, earthquake, flood, or water); sun or ultraviolet (UV) light exposure; or events such as crime, invasion, rebellion, riot, strike, labor disturbance, war, lockout, civil disturbance, or police/military action.
9. I. Any Failure, Loss, Injury, or Damage arising from commercial, business, or institutional use, including in-home daycare or supervised care, or use within for-profit, dormitory, timeshare, rental, or not-for-profit institutional environments.
10. J. Damage caused by mold, mildew, fungus, corrosion, pests, or infestation is excluded. Rust is excluded except to the limited extent expressly covered under the Outdoor Furniture Coverage section. This exclusion includes any Odors resulting from these sources.
11. K. Placement of Items on balconies, patios, or within any non-enclosed or non-temperature-controlled space, unless the Items are specifically designed, manufactured, and marketed for outdoor use; exposure to extreme heat or cold; Item misuse; or neglect.
12. L. Inadequate or excessive maintenance; use of cleaning methods or materials not recommended by the manufacturer; lack of reasonable cleaning or maintenance; or Damage caused during the packaging or transport of Items, and similar issues.
13. M. Pre-existing manufacturer’s defects, inherent design flaws, manufacturer’s quality issues or recalls, Damage incurred during shipment to the original delivery location, or issues covered by pre-delivery services or product recalls.
14. N. We do not guarantee the matching of colors, dyes, patterns, textures, or the exact replacement of lost, damaged, or non-repairable Items. This Plan does not cover matching items or pieces.
15. O. This Plan does not cover consumable components such as lights or batteries, or Damage or stains caused by such components, except to the limited extent expressly provided in the applicable Coverage section of this Plan.
16. P. Any Damage, Loss, or Failure arising from or related to the installation, hook-up, or removal of the Item(s).
17. Q. Loss of support, comfort, or feel in foam cushions, stuffing, or other cushion materials. “Sagging” means a deflection of the surface and is distinct from “Resiliency,” which refers to support or feel. Both are not covered.
18. R. Any Damage, Loss, or Failure caused by or resulting from transit, delivery, re-delivery, or the moving of Item(s) between residences; storing or using Item(s) in commercial storage units or in non-climate-controlled residential areas; or storing Item(s) outdoors, on patios, or in screened rooms when they are not specifically designed, manufactured, and marketed for that purpose.
19. S. Inherent design flaws, including natural inconsistencies in finishes or dye lot variations, are not covered even if We replace part of an Item.
20. T. Damage to, or discomfort associated with, a mattress, mattress foundation, pillows, or bed linens caused by the operation or failure of an Adjustable Bed Base is excluded.
21. U. Broken, loose or damaged legs, rungs and joints of any Item, including tables and chairs by way of example, are not covered under this Plan even if from accidental damage or wear & tear.
22. V. Broken, loose, or damaged zippers are not covered. Split or open seams and loose threads are not covered except to the limited extent expressly provided in the applicable Coverage section of this Plan. Damage resulting from wear and tear remains excluded.
23. W. Surface lifting, flaking or loss of paint, peeling, pilling of fabric, discoloration, and fading are excluded, except to the limited extent expressly provided in the applicable Coverage section of this Plan. Damage resulting from wear and tear remains excluded.

INDIRECT & CONSEQUENTIAL LOSS

This Plan does not cover Losses not directly related to the physical state of the covered Item(s), such as personal inconvenience or loss of use; Financial or personal repercussions resulting from delays in service or repair times; Complications, including voiding warranties or insurance, arising from the use of this Plan; Indirect losses incurred due to the inability to use the Item(s) during repair or while awaiting replacement; or Damage or loss to other items or structures (including walls, floors, paint, carpet, or rugs) caused by the failure of a covered Item or by Our attempts to repair or replace it.

V. SUBSCRIPTION TERMS

A. PURCHASING A SUBSCRIPTION

You are not eligible to purchase a new Subscription for Items more than thirty (30) days after the Delivery Date. Your first Subscription Payment is due when You enroll. Additional Subscription Payments are due every thirty (30) days after the enrollment date. Each successfully paid Subscription Payment purchases one future thirty (30)-day Coverage Term according to the applicable schedule below.

You may purchase a Subscription:

1. 1. While in the retail store at the time You purchase the Items and before You take delivery or in-home possession of the Items; or
2. 2. On or before the thirtieth (30th) day after the Delivery Date.

You are not eligible to purchase a new Subscription for Items more than thirty (30) days after the Delivery Date. Your first Subscription payment is due when You enroll. Additional Subscription payments are due every thirty (30) days after the enrollment date. Each successfully paid Subscription payment purchases one future thirty (30)-day Coverage Term according to the applicable schedule below.

B. IN-STORE PURCHASE BEFORE DELIVERY

If You purchase the Subscription while in the retail store at the time You purchase the Items and before the Delivery Date:

1. 1. Your first Subscription payment is due immediately;
2. 2. The date of that payment is Day 1;
3. 3. Your first Coverage Term begins on Day 31 and continues for thirty (30) days;
4. 4. Your second Subscription payment is due on Day 31 and purchases the next Coverage Term, which begins on Day 61; and
5. 5. Each subsequent Subscription payment is due every thirty (30) days and purchases the next consecutive thirty (30)-day Coverage Term.

Example: If Your first Subscription payment is made on January 1, Your first Coverage Term begins on January 31. Your next Subscription payment is due thirty (30) days after the January 1 payment and purchases the Coverage Term that begins immediately after the first Coverage Term expires.

C. PURCHASE WITHIN 30 DAYS AFTER DELIVERY

If You purchase the Subscription on or before the thirtieth (30th) day after the Delivery Date:

1. 1. Your first Subscription payment is due immediately;
2. 2. The date of that payment is Day 1;
3. 3. Your first Coverage Term begins on Day 61 and continues for thirty (30) days;
4. 4. Your second Subscription payment is due on Day 31 and purchases the next Coverage Term, which begins on Day 91; and
5. 5. Each subsequent Subscription payment is due every thirty (30) days and purchases the next consecutive thirty (30)-day Coverage Term. This means that two Subscription payments must be successfully made before Your first Coverage Term begins.

Example: If You enroll and make Your first Subscription payment on January 1, Your second Subscription payment is due thirty (30) days later. Your first Coverage Term begins on Day 61. The first payment purchases the first Coverage Term, and the second payment purchases the thirty (30)-day Coverage Term that immediately follows it.

D. CONTINUING PAYMENTS AND COVERAGE TERMS

Subscription payments remain due every thirty (30) days, including during any waiting period and while You have active coverage. Each payment purchases the next consecutive thirty (30)-day Coverage Term. A payment does not purchase immediate or retroactive coverage and cannot be applied to damage that occurred before the Coverage Term purchased by that payment begins. We may attempt to charge Your payment method up to four (4) days before each scheduled payment due date. If the payment is successfully collected early, the payment still applies to its regularly scheduled future Coverage Term and does not cause that Coverage Term to begin early.

To maintain continuous coverage, each Subscription payment must be successfully made by its scheduled payment due date.

E. NO COVERAGE DURING A WAITING PERIOD

No coverage is provided before Your first Coverage Term begins. Damage, stains, breakdowns, or other events that occur before the first Coverage Term begins are not covered, even if the damage or event is not discovered or reported until after coverage begins. This Plan does not provide retroactive coverage. A payment made after coverage has lapsed does not restore coverage for any earlier period.

F. IDENTIFICATION AND ALLOCATION OF COVERED ITEMS

Your Subscription applies only to the Items identified or allocated for coverage under the Subscription, subject to the applicable Retail Limit and all other terms, conditions, limitations, and exclusions of this Plan. You may identify the Items to be covered by uploading the applicable Sales Order and selecting or otherwise designating the covered Items.

If a Sales Order is uploaded when You purchase the Subscription or when You file a Claim, but no specific Items have been identified for coverage, We will allocate coverage in the order in which the Items appear on the Sales Order. Beginning with the first Item listed, We will apply the Retail Limit to the retail price of each Item until the Retail Limit is exhausted. If the remaining Retail Limit is less than the retail price of the next Item listed, that Item will be covered only up to the remaining Retail Limit. Items appearing later on the Sales Order will not be covered after the Retail Limit has been exhausted. Once coverage has been allocated to the Items on a Sales Order, that allocation cannot be reordered, transferred, or changed to obtain coverage for a different Item or increase the coverage available for another Item.

Example: If the Sales Order lists Items with retail prices of $2,000, $2,000, and $2,000, in that order, and the Subscription has a $5,000 Retail Limit, the first and second Items will be included at their full retail prices. The third Item will be included only up to the remaining $1,000 Retail Limit.

G. UNSUCCESSFUL SUBSCRIPTION PAYMENTS

If an attempt to collect a Subscription payment is unsuccessful, We may notify You, attempt to collect the payment again, and allow You to update Your payment method before the scheduled payment due date. If the payment is successfully made by the scheduled payment due date, Your Subscription and prepaid sequence of Coverage Terms will continue without interruption.

If the payment is not successfully made by the scheduled payment due date:

1. 1. Your Subscription will be cancelled automatically;
2. 2. Any active Coverage Term will continue through its scheduled expiration;
3. 3. Payments for future Coverage Terms that have not begun will be refunded, and those Coverage Terms will be cancelled;
4. 4. If Your first Coverage Term has not begun, coverage will not begin; and
5. 5. You must qualify for and complete the restart process described in the “CANCELLING A SUBSCRIPTION” section before obtaining new coverage.

A declined card, expired card, insufficient funds, or other unsuccessful payment attempt is not, by itself, an Improper Payment Dispute.

H. CANCELLATION, REFUNDS, RESTARTS, AND PAYMENT DISPUTES

Cancellation, refunds, unsuccessful payments, lapses in coverage, restarts, and Improper Payment Disputes are governed by the “CANCELLING A SUBSCRIPTION” section of this Plan. That section includes:

1. 1. Your right to cancel the Subscription;
2. 2. Continuation of an active paid Coverage Term following ordinary cancellation;
3. 3. Refunds for payments applicable to Coverage Terms that have not begun;
4. 4. The nonrefundable $99 Restart Fee;
5. 5. The separate Subscription payment required to restart coverage;
6. 6. The thirty (30)-day waiting period following an approved restart; and
7. 7. Cancellation of Plans and discontinuation of Claims and services following an Improper Payment Dispute.

Following an approved restart:

1. 1. The Restart Fee and first Subscription payment are due immediately;
2. 2. The payment date is Day 1;
3. 3. The first restarted Coverage Term begins on Day 31;
4. 4. The next Subscription payment is due on Day 31 and purchases the Coverage Term beginning on Day 61; and
5. 5. Later payments remain due every thirty (30) days and purchase consecutive Coverage Terms.

If any provision of this Section III conflicts with the “CANCELLING A SUBSCRIPTION” section concerning cancellation, refunds, unsuccessful payments, restarts, or payment disputes, the “CANCELLING A SUBSCRIPTION” section will control.

I. MULTIPLE SUBSCRIPTIONS

Each Subscription is separate and applies only to the Sales Order and Items assigned or allocated to that Subscription.

If You purchase multiple Subscriptions:

1. 1. A payment made for one Subscription cannot be transferred or applied to another Subscription;
2. 2. Coverage assigned to one Subscription cannot be transferred to another Subscription;
3. 3. You may not use one Subscription to cover an Item assigned to another Subscription; and
4. 4. You may not combine or stack the Retail Limits of multiple Subscriptions for the same Item or Claim.

J. COMPLIMENTARY FURNITURERX CONCIERGE REPAIR MEMBERSHIP

If You received a complimentary FurnitureRx Concierge Repair Membership with Your Subscription, the membership remains dependent upon Your Subscription. If You voluntarily cancel while a paid Coverage Term is active, the complimentary membership will continue through the expiration of that Coverage Term and will then terminate. If You cancel or fail to make a required payment before Your first Coverage Term begins, the complimentary membership will terminate when the Subscription is cancelled. If Your Plans are suspended or cancelled because of an Improper Payment Dispute, the complimentary membership will be suspended or cancelled at the same time.

The complimentary membership does not automatically resume if You later request to restart Your Subscription. It will resume only if We approve the restart and the first restarted Coverage Term begins.

VI. OBTAINING SERVICE & FILING CLAIMS

To keep this Plan affordable, You may file no more than three (3) Claims for any one Item covered under this Plan. If You attempt to file a fourth or subsequent Claim for the same Item, We may deny that Claim and, at Our sole discretion, cancel coverage for that Item. You will not be entitled to a refund because coverage for that Item was cancelled.

To file a Claim, on any web-connected device, navigate to www.5Starservice.net 24 hours a day, 7 days a week or call Us at 1-833-395-7824, Monday through Friday, 9 a.m. to 6 p.m. EST, excluding holidays or email Us at claims@raptns.com.

Only Item(s) shown on Your original Sales Receipt that You uploaded through the FurnitureRx portal or later provided to Us, and that remain in Your possession, are eligible for coverage under this Plan. Any terms stated in a Merchandise Credit are incorporated into and subordinate to these Terms and Conditions. If there is a conflict, these Terms and Conditions will control.

When filing a Claim, You must provide Your original Sales Receipt showing the Item(s) You purchased; Your Plan Confirmation Number; documentation showing the date You took delivery or in-home possession of the Item(s); all photographs and documents that We reasonably request; the date the Damage occurred, if known; the date You discovered the Damage; and any other information We reasonably request concerning the Damage.

You are required to cooperate with Our efforts to process Your Claim. Your failure to fully cooperate may result in denial of Your Claim or cancellation of Your Plan. Failure to cooperate includes, by way of example and not limitation: (a) failure to provide timely access for a service technician to inspect or repair damaged Item(s); (b) failure to timely respond to requests for additional information; (c) providing false or misleading information; or (d) repeatedly submitting Claims for the same Damage to the same Item after a Claim has been settled by Us.

We will review Your Claim and, if the Claim is covered, may, at Our option and discretion, provide one or more of the following: repair advice; products to assist You in removing stains or repairing Damage; a virtual technician visit; an in-home technician visit; replacement parts; a Merchandise Credit to replace the Item; compensation; or another remedy that We determine is appropriate under the terms of this Plan. If We replace an Item, coverage under this Plan will end for that Item and will not transfer to the replacement Item.

The value of any Merchandise Credit We issue is limited to the amount You paid for the covered Item, excluding taxes and fees. If the total cost of the replacement Item exceeds the value of the Merchandise Credit, You must pay the difference, including applicable taxes and fees, to Us or the Reseller We designate. A Merchandise Credit must be used in full in a single transaction and may not be used in part. If the purchase amount is less than the value of the Merchandise Credit, the unused balance will be forfeited. Merchandise Credits are nontransferable, may not be redeemed for cash, and expire six (6) months after the date of issuance. An expired Merchandise Credit will not be reissued, and its entire value will be forfeited. Once a Merchandise Credit is used, coverage for the Item identified in the Merchandise Credit ends, and coverage does not transfer to the replacement Item.

Other important terms, conditions, and restrictions: Matching pieces are not covered, even if the damaged Item is part of a matching set. When We replace part of an Item or an entire Item, We do not guarantee matching dye lots, colors, or textures. A difference between the replacement and the original Item or matching pieces does not entitle You to replacement of the matching pieces or to an alternative remedy under this Plan. If You rent or lease Item(s) covered by this Plan through an LTO Transaction, see the LTO Transaction Notice included in this Plan.

If We determine that Your Claim is not covered under this Plan, We may offer You For Fee Services. If You accept those services, We may coordinate repairs, order parts, or offer discounts on replacement Items, and You agree to pay all amounts due for those services upon demand. Your obligation to pay does not depend on whether the services produce the outcome You expected. If You fail to pay any amount due for For Fee Services after receiving those services, You agree to pay the reasonable attorneys’ fees and court costs We incur in attempting to collect or collecting the unpaid amount, to the extent permitted by applicable law. We may immediately discontinue any unpaid For Fee Services and may cancel Your Subscription and Plan in accordance with Section V(G). Once the cancellation becomes effective, We may discontinue service on any open Claims.

If a manufacturer’s warranty covers the Damage or Failure reported under this Plan, coverage under this Plan will not apply to that Damage or Failure. Service or replacement is limited to covered Item(s) shown on Your Sales Receipt and assigned or allocated to Your Subscription under Section III(F), subject to the applicable Retail Limit and all other limitations of this Plan. You may not transfer coverage from one Item to another Item or to another person or entity.

Note: This Plan includes exclusions to coverage, please read the Exclusions section carefully.

VII. CANCELLING A SUBSCRIPTION

A. COVERAGE TERMS AND SUBSCRIPTION PAYMENTS

Each successfully paid Subscription payment purchases one future thirty (30)-day Coverage Term. Your first Subscription payment is due when You enroll. Each subsequent Subscription payment is due thirty (30) days after the preceding payment due date. Each such date is a “Scheduled Payment Due Date.”

Your coverage schedule depends on when You purchased the Subscription:

1. 1. In-Store Purchase Before Delivery. If You purchased the Subscription in-store when You purchased the Items and before taking delivery or in-home possession of the Items, the date Your first Subscription payment is successfully made is Day 1. Your first Coverage Term begins on Day 31. Your second Subscription payment is due on Day 31 and purchases the Coverage Term beginning on Day 61. Each subsequent payment purchases the next consecutive thirty (30)-day Coverage Term.
2. 2. Purchase Within 30 Days After Delivery. If You purchased the Subscription on or before the thirtieth (30th) day after taking delivery or in-home possession of the Items, the date Your first Subscription payment is successfully made is Day 1. Your first Coverage Term begins on Day 61. Your second Subscription payment is due on Day 31 and purchases the Coverage Term beginning on Day 91. Each subsequent payment purchases the next consecutive thirty (30)-day Coverage Term.

Subscription payments remain due every thirty (30) days, including during an applicable waiting period. Each payment purchases the next consecutive Coverage Term in Your prepaid coverage schedule.

We may attempt to charge Your payment method up to four (4) days before a Scheduled Payment Due Date. A payment collected early applies to its regularly scheduled future Coverage Term and does not cause that Coverage Term to begin early.

B. HOW TO CANCEL

You may cancel Your Subscription at any time by contacting Us at 1-833-395-7824 or by accessing Your FurnitureRx Dashboard from any internet-connected device, selecting the “Cancel” button, and following the instructions.

Except as provided under “Improper Payment Disputes” and “If We Cancel Your Subscription and/or Plan” below, cancellation stops future Subscription payments but does not immediately terminate a Coverage Term that has already begun.

The following rules apply when You cancel:

1. 1. Active Coverage Term. If You cancel during a Coverage Term that has already begun, the Subscription payment applicable to that Coverage Term will not be refunded. Your coverage will continue through the scheduled expiration of that Coverage Term.
2. 2. Future Coverage Terms. If You have paid for one or more future Coverage Terms that have not begun, You will receive a full refund of each Subscription payment applicable to an unstarted Coverage Term. Those Coverage Terms will be cancelled and will not begin.
3. 3. Cancellation During a Waiting Period. If You cancel before Your first Coverage Term begins, all Subscription payments applicable to Coverage Terms that have not begun will be refunded. Your Subscription will be cancelled, and coverage will not begin.

You will not receive a refund for a Coverage Term that has already begun, even if You did not file a Claim, a Claim You filed was not covered, or You were dissatisfied with the Plan, the outcome of a Claim, or any service provided under the Plan.

A Restart Fee is not a Subscription payment and is nonrefundable as provided below.

C. UNSUCCESSFUL SUBSCRIPTION PAYMENTS

If an attempt to collect a Subscription payment is unsuccessful, We may notify You, attempt to collect the payment again, and allow You to update Your payment method before the Scheduled Payment Due Date. If the payment is successfully made by the Scheduled Payment Due Date, Your Subscription and prepaid sequence of Coverage Terms will continue without interruption. If the payment is not successfully made by the Scheduled Payment Due Date:

1. 1. Your Subscription will be cancelled automatically;
2. 2. Any Coverage Term that has already begun will continue through its scheduled expiration;
3. 3. Subscription payments applicable to future Coverage Terms that have not begun will be refunded, and those Coverage Terms will be cancelled;
4. 4. If Your first Coverage Term has not begun, coverage will not begin; and
5. 5. You must qualify for and complete the restart process described below before obtaining new coverage.

A declined card, expired card, insufficient funds, or other unsuccessful payment attempt is not, by itself, an Improper Payment Dispute.

Once Your Subscription has been cancelled or coverage has lapsed, a later payment does not automatically renew or retroactively restore coverage. Damage, stains, breakdowns, or other events occurring during a lapse or before a new Coverage Term begins are not covered.

D. RESTARTING A CANCELLED OR LAPSED SUBSCRIPTION

Restarting a cancelled or lapsed Subscription is not available to every customer. If You remain eligible and We approve Your request, You may restart Your Subscription by paying:

1. 1. A nonrefundable $99 Restart Fee; and
2. 2. The regular Subscription payment for the first Coverage Term following the restart.

The Restart Fee is separate from the Subscription payment and is nonrefundable, even if You cancel before the new Coverage Term begins. The date on which both the Restart Fee and first Subscription payment are successfully made is Day 1. The first Coverage Term following the restart begins on Day 31 and continues for thirty (30) days.

The next Subscription payment is due on Day 31 and purchases the Coverage Term beginning on Day 61. Each subsequent Subscription payment remains due every thirty (30) days and purchases the next consecutive Coverage Term. If You cancel the restarted Subscription before the first restarted Coverage Term begins:

1. 1. The $99 Restart Fee will not be refunded;
2. 2. All Subscription payments applicable to Coverage Terms that have not begun will be refunded; and
3. 3. The future Coverage Terms will be cancelled and will not begin.

If You cancel after a restarted Coverage Term begins, neither the Restart Fee nor the Subscription payment applicable to the active Coverage Term will be refunded. The active Coverage Term will continue through its scheduled expiration. Subscription payments applicable to later Coverage Terms that have not begun will be refunded, and those later Coverage Terms will be cancelled. Restarting Your Subscription does not restore coverage retroactively. Any damage, stain, breakdown, or other event occurring after Your previous Coverage Term expires and before Your new Coverage Term begins is not covered. This exclusion applies even if the damage or event is not discovered or reported until after the new Coverage Term begins.

E. PAYMENT QUESTIONS AND IMPROPER PAYMENT DISPUTES

You should contact Us directly if You have a question about a payment or believe We made a billing error. Contacting Us directly to ask a question or request correction of a billing error is not an Improper Payment Dispute. An “Improper Payment Dispute” occurs when You or someone acting on Your behalf disputes, reports as unauthorized, stops, reverses, or requests a chargeback of a payment that You authorized or validly owed under this Plan or another plan issued by Us. An Improper Payment Dispute may involve a Subscription payment, Restart Fee, copayment, deductible, or other required payment. A payment does not become unauthorized merely because You were dissatisfied with the outcome of a Claim, a requested service was not covered, or a service did not produce the result You expected.

If We receive notice that You disputed or reversed a payment through a credit card issuer, bank, financial institution, or payment processor, We may immediately suspend all Claims and stop all work or services under every Plan issued to You while We review the payment dispute. If We determine that the payment dispute was an Improper Payment Dispute:

1. 1. All Plans issued to You by Us will be cancelled immediately, notwithstanding any other cancellation or notice provision;
2. 2. Coverage under all such Plans will end on the cancellation date;
3. 3. The Coverage Term associated with the disputed payment will be treated as never having become effective;
4. 4. All open Claims, repairs, replacements, reimbursements, and other services will be discontinued;
5. 5. You will remain responsible for payment for services already performed and for all other amounts You owe; and
6. 6. You will no longer be eligible to purchase, renew, reinstate, or restart any Plan issued by Us.

A declined or unsuccessful payment is not an Improper Payment Dispute. A good-faith report involving actual payment-card theft, identity theft, or a payment-processing error that You did not cause will not be treated as an Improper Payment Dispute if You promptly cooperate with Our investigation and provide reasonably requested information.

We may reinstate Your Plans or allow You to restart Your Subscription if We determine that the dispute resulted from an honest mistake, actual fraud committed against You, or a payment-processing error.

Nothing in this section limits any right that cannot lawfully be waived under applicable law.

F. EXAMPLES

In-Store Cancellation Before Coverage Begins. If You make Your first Subscription payment in-store on Day 1, Your first Coverage Term is scheduled to begin on Day 31. If You cancel before Day 31, Your first Subscription payment will be refunded, and coverage will not begin.

Post-Delivery Cancellation Before Coverage Begins. If You enroll within thirty (30) days after delivery, Your first Coverage Term is scheduled to begin on Day 61. Your first payment is made on Day 1, and Your second payment is due on Day 31. If You make both payments and then cancel before Day 61, both payments will be refunded, and coverage will not begin.

Cancellation During an Active Coverage Term. If You cancel after a Coverage Term begins, the payment for that active Coverage Term will not be refunded. Coverage will continue through the scheduled expiration of that Coverage Term. Payments applicable to later Coverage Terms that have not begun will be refunded, and those later Coverage Terms will be cancelled.

Unsuccessful Payment Corrected by the Due Date. If an attempt to collect a scheduled Subscription payment is unsuccessful but You successfully update Your payment method and make the payment by the Scheduled Payment Due Date, Your Subscription and prepaid Coverage Terms will continue.

Unsuccessful Payment Not Corrected. If a Subscription payment is not successfully made by the Scheduled Payment Due Date, Your Subscription will be cancelled. Any active Coverage Term will continue through its scheduled expiration. Payments applicable to future Coverage Terms that have not begun will be refunded, and those Coverage Terms will be cancelled. To obtain new coverage, You must remain eligible, pay the nonrefundable $99 Restart Fee and the regular Subscription payment, and complete a new thirty (30)-day waiting period.

Improper Payment Dispute. If You authorize a payment and later dispute that payment because You are dissatisfied with the result of a Claim or service, We may immediately suspend all Claims and stop pending work while We review the dispute. If We determine that the dispute was improper, all Plans issued to You will be cancelled, and You will not be eligible to purchase, renew, reinstate, or restart them.

G. IF WE CANCEL YOUR SUBSCRIPTION AND/OR PLAN

Except for an automatic cancellation under Paragraph C, “Unsuccessful Subscription Payments,” an immediate suspension or cancellation permitted under Paragraph E, “Payment Questions and Improper Payment Disputes,” or where applicable law permits cancellation without advance notice because of fraud, material misrepresentation, or another unlawful act, We will provide You with written notice at least fifteen (15) days before the cancellation date. The notice will be sent to Your last known address and will state the effective date and reason for cancellation.

Unless otherwise required by applicable law:

1. 1. Coverage will remain in effect until the cancellation date stated in the notice;
2. 2. You will receive a refund of all Subscription payments applicable to Coverage Terms scheduled to begin after the cancellation date;
3. 3. If We cancel during an active Coverage Term for a reason other than fraud, material misrepresentation, an unlawful act, or an Improper Payment Dispute, You will receive a proportional refund for the portion of that Coverage Term occurring after the cancellation date; and
4. 4. We may deduct from any refund the cost of services, parts, repairs, replacements, reimbursements, or credits We provided or incurred before the cancellation date, to the extent permitted by applicable law.

The reasons We may suspend or cancel Your Subscription or this Plan, or void coverage for one or more Items, include but are not limited to:

1. 1. Any fraudulent or unlawful act by You in connection with this Plan;
2. 2. Any intentional damage to an Item;
3. 3. Use of an Item in a manner other than intended by its manufacturer when such use is likely to increase the likelihood that the Item will be damaged or require repair, service, replacement, reimbursement, or issuance of a credit;
4. 4. Any material misrepresentation or intentionally false or misleading statement by You in connection with the purchase, administration, or use of this Plan or any Claim; or
5. 5. An Improper Payment Dispute as described in Paragraph E.

Paragraph E controls if a cancellation results from an Improper Payment Dispute. Nothing in this Paragraph G limits any notice, refund, or other right that cannot lawfully be waived under applicable law.

VIII. OTHER IMPORTANT TERMS

A. CO-PAY & DEDUCTIBLE: This Plan does not require a Co-Pay or Deductible.

B. LEASE TO OWN TRANSACTIONS

LTO TRANSACTION NOTICE: YOU ARE NOT REQUIRED TO PURCHASE THIS OR ANY OTHER PROTECTION PLAN OR SERVICE AGREEMENT AS A CONDITION OF ENTERING INTO AN LTO TRANSACTION.

For purposes of this Plan, an "LTO Transaction" means a transaction under which You rent or lease Item(s) as described by this Plan. Item(s) shall not be treated as part of an LTO Transaction unless the lessor is identified on Your Sales Receipt, together with Your name and the address where the Item(s) are delivered. Where Item(s) covered by this Plan are initially acquired through an LTO Transaction, and You have not obtained ownership of the Item(s), any cash settlement under this Plan will accrue to the benefit of the lessor. In all other respects, You will retain a beneficial interest in this Plan, including all non-cash benefits described herein. Subject to the terms of the LTO Transaction, the lessor may elect to apply cash settlement benefits under this Plan to Your obligations under such LTO Transaction. Any amount paid in excess of the balance due may, at the lessor's discretion and subject to the terms of the LTO Transaction, be paid to You. You are solely responsible for maintaining any Item(s) covered by this Plan, whether purchased under an LTO Transaction or otherwise.

WE ARE NOT A PARTY TO ANY LTO TRANSACTION. REFERENCE TO ANY LTO TRANSACTION UNDER THE TERMS OF THIS PLAN SHALL NOT OPERATE TO CAUSE US TO BECOME A PARTY TO THAT TRANSACTION, AND WE SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY ACCRUING TO ANY PARTY UNDER ANY LTO TRANSACTION. WE ARE NOT OBLIGATED AND SHALL NOT NEGOTIATE FOR ANY THIRD-PARTY BENEFITS OR DISPUTES WHATSOEVER ARISING FROM OR RELATING TO LTO TRANSACTIONS WITH RESPECT TO ANY QUALIFIED ITEM COVERED UNDER THIS PLAN, OR ANY TRANSACTION, ACTION, OR OBLIGATION ARISING OR ACCRUING TO ANY PARTY UNDER ANY LTO TRANSACTION.

C. PLAN COVERAGE LIMIT: A MAXIMUM OF FIVE THOUSAND DOLLARS ($5,000.00 USD) OF QUALIFIED RETAIL IN TOTAL MAY BE COVERED UNDER THIS PLAN DURING THE LIFE OF THE SUBSCRIPTION. THE BEGINNING OR RENEWAL OF A NEW THIRTY (30)-DAY COVERAGE TERM DOES NOT REDUCE THE AMOUNT OF QUALIFIED RETAIL COVERED UNDER THIS PLAN.

D. LIMIT OF LIABILITY

IN NO EVENT SHALL THE TOTAL CUMULATIVE VALUE OF ALL BENEFITS PROVIDED BY US UNDER THIS PLAN, INCLUDING REPAIRS, SERVICES, PARTS, REPLACEMENTS, MERCHANDISE CREDITS, COMPENSATION, OR REIMBURSEMENTS, EXCEED THE PLAN COVERAGE LIMIT DURING THE LIFE OF THE SUBSCRIPTION. THIS CUMULATIVE LIMIT DOES NOT RESET OR RENEW WHEN A NEW THIRTY (30)-DAY COVERAGE TERM BEGINS.

IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, WHETHER IN CONTRACT OR TORT, AT LAW OR IN EQUITY, INCLUDING LOSS OR DAMAGE TO PERSON OR PROPERTY ARISING FROM OR RELATING TO THIS PLAN, THE SALE OR PURCHASE OF THIS PLAN, OR THE USE, THE INABILITY TO USE, OR FROM THE REPAIR OR REPLACEMENT OF AN ITEM.

E. FEE SHIFTING PROVISION

If You institute or bring an action, lawsuit, or claim against Us, whether in court or in arbitration, and regardless of whether the claim is brought as a contract claim or as a statutory claim, which arises from or relates to this Plan, actions, services, goods, or performance related to this Plan, or the failure to act or perform or to provide services, or goods, and We are the prevailing party, You shall be required to pay Us our reasonable attorney's fees and costs that were incurred in the action, lawsuit, or otherwise litigating the claim.

F. CLASS ACTION WAIVER

EACH PARTY HEREBY AGREES TO WAIVE THE RIGHT TO LITIGATE IN COURT OR ARBITRATE ANY CLAIM OR DISPUTE AS A CLASS ACTION PROCEEDING, WHETHER IN CONTRACT OR TORT, AT LAW OR IN EQUITY, EITHER AS A MEMBER OF A CLASS OR AS A REPRESENTATIVE, REGARDLESS OF WHICH PARTY BRINGS SUIT, OR TO ACT AS A PRIVATE ATTORNEY GENERAL. THIS WAIVER SHALL APPLY TO ANY MATTER WHATSOEVER BETWEEN THE PARTIES (INCLUDING OUR AFFILIATES AND ASSIGNS) THAT ARISES OUT OF OR RELATES IN ANY WAY TO THIS PLAN, THE SALE OR PURCHASE OF THIS PLAN, OUR PERFORMANCE UNDER THIS PLAN, OR OUR AGENT'S PERFORMANCE UNDER THIS PLAN.

G. OUR RIGHT TO RECOVER PAYMENT

If You have a right to recover against another party for anything We have paid under this Plan, Your rights shall become Our rights. You shall do whatever is necessary to enable Us to enforce these rights. We shall recover only the excess after You are fully compensated for Your loss.

H. GUARANTY

This Plan is not an insurance policy. The obligations of the Obligor under this Plan are insured under a contract liability reimbursement insurance policy. If We fail to pay any claim, provide service, or replace the Item(s) in accordance with the terms of this Plan within ninety (90) days after We have settled a claim, You are entitled to make a direct claim against the insurer, Universal Underwriters Insurance Company, by calling 1-888-835-5063 or by mail at 7045 College Boulevard, Overland Park, Kansas 66211.

I. EXCHANGES & REPLACEMENT ITEMS

Your Subscription and coverage under this Plan are NOT transferable to Items exchanged by the manufacturer or Reseller or to replacement Items received under this Plan.

J. THIS PLAN IS NOT TRANSFERABLE, NO ASSIGNMENT OF BENEFITS

Neither this Plan, nor any of the benefits or rights accruing to You under or because of this Plan may be transferred, assigned, pledged, sold, or hypothecated by You to any person or entity. For example, and by no way limiting the generality of the foregoing sentence, You shall not transfer or assign any action, cause of action, claim, demand, lawsuit, or suit, whether in contract or tort, at law or in equity, arising from or relating to this Plan, the sale or purchase of this Plan, or the performance, non-performance, actions, or inactions by Us or Our agents under, arising from, or relating to this Plan. In the event that a court or regulatory body of competent jurisdiction determines that this provision is invalid, You agree that We shall have the exclusive and first right to purchase all of Your rights and benefits under or because of this Plan, including any potential action, cause of action, claim, demand, lawsuit, or suit, whether at law or in equity, for ten dollars ($10.00), which You acknowledge is good, adequate, valuable, and sufficient.

IX. SPECIAL STATE REQUIREMENTS:

Regulation of service agreements, like this Plan, may vary widely from state to state. Any provision within this Plan which conflicts with the laws of the state where You live shall automatically be considered to be modified in conformity with applicable state laws and regulations. The following state specific requirements apply if Your Plan was purchased in one of the following states and supersede any other provision within Your Plan terms and conditions to the contrary.

Alabama: If You request cancellation of this Plan within thirty (30) days of the purchase date of this Plan and the refund is not paid or credited within forty‐five (45) days after return of this Plan to Us, a ten percent (10%) penalty will be added to the refund for every thirty (30) days the refund is not paid. This provision applies only to the original purchaser of this Plan. Any refund may be credited to any outstanding balance on Your account and the excess returned to You. Risk Assurance Partners, LLC., is the Provider of this Plan.

Arizona: CANCELLATION - No claims incurred or paid will be subtracted from any refund. WHAT IS NOT COVERED - We shall not provide coverage only for those specifically listed items in the “WHAT IS NOT COVERED” section. "Pre-existing conditions" is deleted and replaced with: conditions that were caused by You or known by You prior to purchasing this Service Agreement.

Arkansas: If You request cancellation of this Plan within thirty (30) days of the purchase date of this Plan and the refund is not paid or credited within forty-five (45) days after return of this Plan to Us, a ten percent (10%) penalty will be added to the refund for every thirty (30) days the refund is not paid. This provision applies only to the original purchaser of this Plan.

California: This Plan may be cancelled by the Plan holder for any reason, including, but not limited to, the Item covered under this Plan being sold, lost, stolen or destroyed. If You decide to cancel Your Plan, and cancellation notice is received by the Administrator within sixty (60) days of the date You received this Plan, and You have made no claims against this Plan, you will be refunded the full Plan price; or if Your Plan and cancellation notice is cancelled by written notice after sixty (60) days from the date You received this Plan, You will be refunded a pro-rated amount of this Plan’s price, less any claims paid. If You request cancellation of this Plan and the refund is not paid or credited within thirty (30) days after return of this Plan to Us, a ten percent (10%) penalty will be added to the refund for every thirty (30) days the refund is not paid. This provision applies only to the original purchaser of this Plan. Risk Assurance Partners, LLC., [License No. 30907] is the Plan Administrator and Risk Assurance Partners LLC., [License No. 30907] is the Provider/Obligor for this Plan.

Connecticut: In the event of a dispute with Administrator, 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 the warranty Plan. You may cancel Your Plan if the covered product is sold, lost, stolen, or destroyed. PLAN (“SERVICE AGREEMENT”) HOLDER’S RESPONSIBILITY: It is the responsibility of this Plan holder to follow the manufacturer’s specifications for the use and care/maintenance of the Qualifying Item. If Your Plan expires during the time of an approved repair or replacement, this Plan is extended until the repair or replacement has been completed.

Florida: “We”, “Our”, “Us” or means Risk Assurance Partner, LLC., License No. 18-460914830 who is the service agreement provider of this Plan, whose address is [PO Box 912, Boynton Beach, FL 33425]. The “Administrator” means Risk Assurance Partners, LLC., whose address is [PO Box 912, Boynton Beach, FL 33425]. This Plan is between the Provider, Risk Assurance Partners, LLC., License No. 18-460914830 and You, the purchaser. You may cancel Your Plan by informing the selling Retailer or the Administrator, Risk Assurance Partners, LLC., of Your cancellation request. In the event this Plan is canceled by You, return of the premium shall be based upon ninety percent (90%) of the unearned pro‐rata premium less any claims that have been paid or less the cost of repairs made on Your behalf. In the event this Plan is canceled by the Administrator or Provider, return of the premium shall be based upon one hundred percent (100%) of the unearned pro‐rata premium. The rates charged to You under this Plan are not subject to regulation by the Florida Office of Insurance Regulation.

Georgia: The Administrator may not cancel this Plan except for fraud, material misrepresentation, or nonpayment by You. Notice of such cancellation will be in writing and given at least thirty (30) days prior to cancellation. This Plan will be interpreted and enforced according to the laws of the state of Georgia. If the original Retailer is closed, out of business, or You have moved out of the Retailer’s normal delivery area, this Plan will be limited to repair service only or You will receive a full refund of the purchase price paid by You for this Plan. In no event will claims be deducted from any refund. PRE‐ EXISTING ‐ Any reference to Pre‐existing conditions within this Plan is amended as follows: “Pre‐existing conditions known to You.”

Hawaii: If You request cancellation of this Plan within thirty (30) days of the purchase date of this Plan and the refund is not paid or credited within forty-five (45) days after return of this Plan to Us, a ten percent (10%) penalty will be added to the refund for every thirty (30) days the refund is not paid. This provision applies only to the original purchaser of this Plan.

Indiana: Your proof of payment to the issuing vendor for this Plan shall be considered proof of payment to the insurance company which guarantees Our obligations to You. WHAT IS NOT COVERED: Letter (Z) is deleted and replaced with the following: “This Plan does not cover any and all pre‐existing conditions known to You that existed prior to the effective date of this Plan or prior stains and/or damage that occurred prior to the delivery date of the covered Item.”

Minnesota: If You request cancellation of this Plan within thirty (30) days of the purchase date of this Plan and the refund is not paid or credited within forty‐five (45) days after return of this Plan to Us, a ten percent (10%) penalty will be added to the refund for every thirty (30) days the refund is not paid. This provision applies only to the original purchaser of this Plan.

New York: If You request cancellation of this Plan within thirty (30) days of the purchase date of this Plan and the refund is not paid or credited within thirty (30) days after return of this Plan to Us, a ten percent (10%) penalty will be added to the refund for every thirty (30) days the refund is not paid. This provision applies only to the original purchaser of this Plan.

South Carolina: In the event of a dispute with the provider of this contract, you may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina, 29201, or by phone at (800) 768-3467.

Texas: Risk Assurance Partners, LLC. Service Contract Administrator [No. 730]. If You have any questions regarding the regulation of this Plan Provider or a complaint against the Obligor (Provider), You may contact the Texas Department of Licensing & Regulation, 920 Colorado, P.O. Box 12157, Austin, Texas 78711, (800) 803‐9202. You may return this Plan within thirty (30) days of the date of purchase of this Plan. If this Plan is cancelled within the first thirty (30) days, We will refund the entire Plan charge, less claims paid. If this Plan is cancelled after the first thirty (30) days, You will receive a pro‐rata and less claims paid. A ten percent (10%) penalty per month will be added to a refund that is not made within forty‐five (45) days of Your return of this Plan to the Provider. 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 this Plan is canceled. These provisions apply only to the original purchaser of this Plan. If We cancel this Plan, We shall mail a written notice to You at the last known address held by Us before the fifth day preceding the effective date of cancellation. The notice will state the effective date and the reason for the cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee, fraud or a material misrepresentation by the Plan Holder to the Provider or the Provider’s Administrator, or a substantial breach of duties by the Plan Holder relating to the covered product or its use. If We cancel this Plan, no cancellation fee shall apply.

Wisconsin: THIS WARRANTY IS ONLY SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.

You may cancel this Plan at any time. We may only cancel this Plan for material misrepresentation by You, nonpayment by You or a substantial breach of duties by You relating to the covered property or its use. If We cancel this Plan, We shall mail a written notice to You at Your last known address at least five (5) days prior to cancellation. The notice shall state the effective date of the cancellation and the reason for the cancellation. If this Plan is canceled within thirty (30) days of the date of purchase and no claims have been paid, the Administrator shall return one hundred percent (100%) of the purchase price. If this Plan is canceled after thirty (30) days of the date of purchase or a claim has been paid, the Administrator shall return one hundred percent (100%) of the unearned pro‐rata purchase price, less claims paid. If You request cancellation due to a total loss of Your product which is not covered by a replacement under the terms of Your Plan, the Administrator shall return one hundred percent (100%) of the unearned pro‐rata purchase price, less claims paid. If You request cancellation of this Plan within thirty (30) days of the purchase date of this Plan and the refund is not paid or credited within forty‐five (45) days after return of this Plan to Us, a ten percent (10%) penalty will be added to the refund for every thirty (30) days the refund is not paid. This provision applies only to the original purchaser of this Plan. Unauthorized repairs may not be covered. Notice and Proof of Loss: Provided notice of proof of loss is furnished as soon as reasonably possible and within one (1) year, failure to furnish such notice or proof within the time required by the policy does not invalidate or reduce a claim unless the Provider is prejudiced thereby and it was reasonably possible to meet the time limit.

Wyoming: This Plan is not available in Wyoming.