These Terms of Service are effective January 1, 2009.

Coverage under this EOC and the attached General Provisions are provided under a Group Policy issued by Virginia Surety Company, Inc. This EOC and the attached General Provisions are governed by the conditions, limitations, and exclusions of the Group Policy.

Throughout this document, "You" and "Your" refer to the person who is a member in good standing in Shopper Discounts & Rewards as defined by the terms and conditions for Shopper Discounts & Rewards. Membership must not have expired or been canceled by You or Shopper Discounts & Rewards. "We", "Us", and "VSC" refer to Virginia Surety Company, Inc. In addition, when in bold certain words and phrases are defined as follows:

Administrator means cynosure Financial, Inc. You may contact the Administrator if You have questions regarding this coverage or would like to make a claim. The Administrator can be reached by email at customerservice@shopperdiscountsandrewards.com.

Coverage Period means the period starting on the Membership Effective Date. Coverage will continue monthly. Coverage will continue concurrently with You being a member in good standing. (Good standing is defined by the terms and conditions for Shopper Discounts & Rewards.) Coverage will stop on the date You or Shopper Discounts & Rewards cancel Your membership in Shopper Discounts & Rewards.

Damaged means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.

Evidence of Coverage (EOC) means this document and the attached General Provisions. They describe the terms, conditions, and exclusions. This EOC and the attached General Provisions are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this EOC or the attached General Provisions are not a part of Your coverage.

Membership Effective Date means the date You enroll as a member in Shopper Discounts & Rewards.

Stolen means items that are taken by force or the disappearance of the items from a known place under circumstances that would indicate the probability of theft.
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If You purchase a new item during Your Coverage Period and within ninety (90) days of the purchase date and the item is Damaged or Stolen, We will reimburse You the purchase price of the item (excluding delivery, installation, and sales tax).
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Coverage is limited to the lesser of the following:

• The purchase price of the item (excluding delivery, installation, and sales tax);
• $5,000 per claim.

Coverage is limited to two (2) claim(s) per twelve (12) month period.
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• Items left in public sight, out of arm's reach, or lacking care, custody, or control by You.
• Lost items or items that mysteriously disappear (the only proof of loss is unexplained or there is no physical evidence to show what happened to the item) without any evidence of a wrongful act.
• Items that are Stolen from any location or place (including, but not limited to, exercise facilities, places of employment, schools, or places of worship) due to the lack of due diligence by You
• Items lost, Stolen, Damaged, or mis-delivered while under the care, custody, and control of another party or common carrier (including, but not limited to, airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).
• Losses due to normal wear and tear, misuse, gradual deterioration, or abuse.
• Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by You.
• Items covered by a manufacturer's recall or class action suit.
• Items that are Damaged through alteration (including, but not limited to, cutting, sawing, and shaping).
• Used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or remanufactured items.
• Stolen items without documented report from the police.
• Items that are Damaged during transport via any mode.
• Items Stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle, automobile, or any other motor vehicles.
• Motorized vehicles (including, but not limited to, automobiles, watercraft/boats, aircraft, or motorcycles), their motors, equipment, or accessories. Motorized equipment not designed for transportation or used solely for the upkeep and maintenance of a residence is eligible for coverage (including, but not limited to, snow blowers, lawn mowers, or hedge trimmers).
• Land, any buildings (including, but not limited to homes and dwellings), permanently installed items, fixtures, or structures.
• Traveler's checks, tickets of any kind (including, but not limited to, airlines, sporting events, concerts, or lottery tickets), negotiable instruments, bullion, rare or precious metals, stamps, coins, currency, or its equivalent.
• Losses caused by insects, animals, or pets.
• Plants, shrubs, animals, pets, consumables, or perishables.
• Items purchased for resale, rental, professional, or commercial use.
• Application programs, computer programs, operating software, or other software.
• Losses resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
• Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.
• Losses caused by inherent product defects or pre-existing conditions.
• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, or earthquake).
• Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.
• Indirect or direct damages resulting from an item being Damaged or Stolen.
• Game animals, pets, or specimens preserved for display (including, but not limited to, fish, birds, reptiles, or mammals).
• Items Stolen or Damaged at a new home construction site.
• Rented, leased, or borrowed items.

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You can initiate a claim on this site. You must report the claim within ninety (90) days of the date of purchase.

The following required items, must be sent to the Administrator at Shopper Discounts & Rewards c/o cynoSure Financial, Inc. P.O. Box 7690, St. Clair Shores, MI 48080 and postmarked within one-hundred eighty (180) days of the purchase:

1. A fully completed and signed claim form
2. Proof of Loss (police report for Stolen items).
3. Itemized purchase receipt(s) showing the date and purchase price of the covered item(s).
4. Any other documentation that may be reasonably requested by the Administrator to validate a claim.

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The General Provisions apply to the following benefit: Damage and Theft Protection.

Shopper Discounts & Rewards benefits are subject to the terms and conditions outlined and include certain restrictions, limitations, and exclusions. In the event of any conflict between the EOC and the Group Policy, the Group Policy will govern. The Group Policy is on file at the offices of the Administrator. The EOC shall be interpreted and enforced according to the laws of the state of Delaware.

Cancellation and Non-Renewal:
[a.] Coverage can be cancelled by Us or Our designated representative for the following reasons:

1. Non payment of premium;
2. Misrepresentation and Fraud (see below);
3. The Department of Insurance determines that the EOC would result in a violation of their law. If we cancel coverage, the Participating Organization will send You written notification at least ten (10) days in advance of cancellation for non-payment of premium and at least sixty (60) days in advance of cancellation for any other reason.

[b.] Coverage can be cancelled by the Policyholder or Participating Organization at any time. If this happens, the Policyholder or Participating Organization will send You written notification at least sixty (60) days in advance of the expiration of this coverage. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by VSC. Coverage will continue to be in force for the period for which premium has already been paid to VSC.
[c.] Coverage can be non-renewed by Us. The Policyholder or Participating Organization will send You written notification at least thirty (30) days in advance of the expiration of coverage.

Claims: Benefits payable under the EOC for any loss will be paid upon receipt of due proof of loss and all required information necessary to support the claim.

All benefits will be payable to You or, in the case of death, to Your estate. No person or entity other than You shall have any legal or equitable right, remedy or claim of insurance proceeds or damages under or arising out of this coverage.

Dispute Resolution - Arbitration: The EOC requires binding arbitration if there is an unresolved dispute between You and VSC concerning the EOC. Under this Arbitration provision, You give up your right to resolve any dispute arising from the EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three (3) 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 be final and binding and cannot be reviewed or changed by, or appealed to, a court of law.

To start arbitration, either You or VSC must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. You and VSC will each separately select an arbitrator. The two arbitrators will select a third arbitrator called an "umpire." Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by You and VSC. Unless otherwise agreed to by You and VSC, the arbitration will take place in the county and state in which You live. The 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 the EOC. The laws of the state of Delaware (without giving effect to its conflict of law principles) govern all matters arising out of or relating to the EOC and all transactions contemplated by the EOC, including, without limitation, the validity, interpretation, construction, performance and enforcement of the EOC

Legal Actions: No action at law or in equity shall be brought to recover under the EOC prior to the expiration of sixty (60) days after proof of loss has been furnished in accordance with the requirements of this coverage.

Misrepresentation and Fraud: Coverage for You may be cancelled if, whether before or after a loss, You have concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof, or the interest of You therein. Coverage may also be cancelled if You commit fraud or false swearing in connection with any of the above.

Other Insurance: Coverage is secondary to any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.

Subrogation: If payment is made under the EOC, We are entitled to recover such amounts from other parties or persons. You must transfer to Us Your rights to recovery against any other party or person. You must also do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from You.


For Montana Residents:

• The following statement has been added: The provisions of the EOC conform to the minimum requirements of the Montana law and control over any conflicting statutes of any state in which You reside in, on or after the effective date of this coverage.

The first paragraph of "Dispute Resolution - Arbitration" is replaced with the following: The EOC requires You and VSC to first use binding arbitration if there is an unresolved dispute between You and VSC concerning the cost of, lack of, or actual repair or replacement arising from a loss. Under this Arbitration provision, You give up your right to initially resolve any dispute arising from a loss by a judge and/or a jury. You also agree to first employ arbitration in resolving the dispute between You and VSC prior to Your participating 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 (3) 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.

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