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Extended Service Agreement Terms & Conditions

1. DEFINITIONS: “Merchandise” shall mean the Merchandise identified on Your sales receipt as covered by the Extended Service Agreement. “Agreement” means this Extended Service Agreement. “Agreement Price” means the purchase price for the Agreement as shown on Your sales receipt. “We”, “Us” and “Our” means Signet Service Plans, Inc., 375 Ghent Rd., Akron, OH 44333 toll-free number: 1-800-527-8229. We are the party obligated to provide services to You under the Agreement. “You” or “Your” means the original customer who purchased the Merchandise, including the lessee if the Merchandise was acquired under a rental or lease-purchase arrangement (collectively, “LTO Arrangement”) or original receiver of the Merchandise, in the case of a gift, covered by the Agreement.

2. WHAT IS COVERED: The Agreement will provide repairs or replacement necessary to maintain Your jewelry under normal conditions. In consideration of Your payment of the Agreement Price, We will furnish labor and parts necessary to maintain the Merchandise in a usable and wearable condition, provided such service is necessitated by Merchandise wear and tear during normal usage of the Merchandise under the conditions for which it was designed.

The Agreement coverage includes, but is not limited to, the following services, subject to the other terms and conditions of the Agreement: Ring sizing, refinishing and polishing, rhodium plating white gold, earring repair, chain soldering, resetting Your diamonds and gemstones. All Repairs shall be completed by Us or by such other repair center of Our choice. Parts may be replaced with others, including non-original manufacturer’s parts, of like kind and quality. Select Merchandise design or materials may not allow for repair; however, that Merchandise may be eligible for a one-time replacement as outlined below. Any replacement Merchandise We provide You under this Agreement will be new Merchandise with equal or similar features and functionality, but not necessarily the same item, as the replaced Merchandise. Replacement Merchandise is not covered under this Agreement; however, a new Extended Service Agreement may be purchased on the new item. Any engraving or custom work on the replaced Merchandise is not covered by this Agreement and must be re-done at Your expense. In order to obtain coverage under the Agreement, You must give Us the Merchandise to be serviced or replaced as described in Section 6 below.

3. WHAT IS NOT COVERED: THIS AGREEMENT ONLY COVERS PRODUCT FAILURE DUE TO A MANUFACTURING DEFECT AND DOES NOT EXTEND TO DAMAGE DUE TO CAUSES BEYOND OUR CONTROL, INCLUDING, BUT NOT LIMITED TO, DAMAGE CAUSED BY MISUSE, ABUSE, UNAUTHORIZED REPAIRS OR ALTERATIONS MADE BY YOU TO THE COVERED MERCHANDISE OR ACTS OF GOD. LOSS OF THE MERCHANDISE RESULTING FROM ANY CAUSE, INCLUDING, BUT NOT LIMITED TO, THEFT OR MYSTERIOUS DISAPPEARANCE IS NOT COVERED UNDER THIS AGREEMENT . IF YOU PURCHASE THIS AGREEMENT AFTER YOU PURCHASE THE COVERED MERCHANDISE, THIS AGREEMENT DOES NOT COVER PRE-EXISTING CONDITIONS IN THE COVERED MERCHANDISE THAT OCCURRED AFTER YOU PURCHASED SUCH MERCHANDISE AND PRIOR TO THE EFFECTIVE DATE OF THIS AGREEMENT. IF YOU PURCHASE THE AGREEMENT AFTER YOU PURCHASE THE MERCHANDISE, THE AGREEMENT DOES NOT COVER PRE-EXISTING CONDITIONS IN THE MERCHANDISE THAT OCCURRED AFTER YOU PURCHASED THE MERCHANDISE AND PRIOR TO THE EFFECTIVE DATE OF THE AGREEMENT. THE AGREEMENT DOES NOT REPLACE, BUT SUPPLEMENTS, ANY OTHER WARRANTIES/GUARANTEES APPLICABLE TO THE MERCHANDISE. YOU MUST AND SHALL PERFORM ALL MAINTENANCE ON THE MERCHANDISE REQUIRED BY ANY APPLICABLE UNDERLYING WARRANTIES/GUARANTEES TO MAINTAIN THE MERCHANDISE IN USABLE AND WEARABLE CONDITION, AS PROVIDED IN SAID WARRANTIES/GUARANTEES. DAMAGE RESULTING FROM FAILURE TO COMPLY WITH RECOMMENDED SERVICES AND/OR MAINTENANCE UNDER SUCH WARRANTIES/GUARANTEES IS NOT COVERED BY THIS AGREEMENT.

4. LIMIT OF LIABILITY: OUR TOTAL LIABILITY UNDER THIS AGREEMENT IS THE PURCHASE PRICE PAID FOR THE MERCHANDISE AS SHOWN ON YOUR SALES RECEIPT. IN THE EVENT THAT THE TOTAL VALUE OF ALL AUTHORIZED SERVICES WE PROVIDE UNDER THE AGREEMENT EXCEEDS THE PURCHASE PRICE OF THE MERCHANDISE, AS SHOWN ON YOUR SALES RECEIPT, OR IN THE EVENT OF OUR REPLACEMENT, WE SHALL HAVE SATISFIED ALL OBLIGATIONS OWED UNDER THE AGREEMENT. IN NO EVENT SHALL WE BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, NO MATTER WHAT THE CAUSE, INCLUDING DELAY IN RENDERING SERVICE UNDER THIS AGREEMENT, OR LOSS OF USE DURING THE PERIOD THAT THE MERCHANDISE IS BEING REPAIRED OR OTHERWISE AWAITING PARTS.

5. NO DEDUCTIBLE: You are not required to pay any deductible under the Agreement.

6. WHAT TO DO IF COVERED MERCHANDISE REQUIRES SERVICE: To obtain authorized service under the Agreement, the Merchandise must be taken to any Sterling Family of Jewelers locations. In all cases, You must give Us the Merchandise to be serviced. Upon Our replacement of the Merchandise (a “Replacement”), the replaced Merchandise shall become Our property. This requirement applies to all in-store and online purchases of the Agreement.

7. YOUR OBLIGATIONS: You must provide the care and maintenance of the Merchandise as described in Section 3 above. You must maintain possession of a paid receipt, which will serve as identification of Agreement purchase as well as identification of Merchandise covered.

8. TERM: The term of the Agreement shall commence from the date the Agreement is purchased (as shown on Your sales receipt) and shall continue until Our limit of liability, as stated in Section 4, has been satisfied or, upon Our replacement of any Merchandise, this Agreement shall automatically terminate with respect to such Merchandise. The Agreement is void if the Merchandise is used as a trade-in toward another item; however, a new Extended Service Agreement may be purchased on the new item. Items purchased via lease, as defined in Section 10, are not eligible for use as a trade-in or trade-up, until such time as You acquire ownership of said item.

9. CANCELLATION:
Cancellation by You. You may cancel the Agreement for any reason at any time by visiting any of Our store locations and requesting cancellation. 

If You request cancellation within thirty (30) days of the original purchase date of the Agreement (as shown on Your sales receipt) and no services have been provided to You under the Agreement, then the Agreement is void and You will receive a full refund of the Agreement Price.

If You request cancellation of the Agreement more than thirty (30) days after the original purchase date of the Agreement or after You have received services under the Agreement, then You will receive a prorated refund of the Agreement Price (based on an assumed duration of the Agreement, solely for cancellation purposes, of five (5) years), less the value of any Agreement services received.

A ten percent (10%) penalty per thirty (30) day period shall be added to any cancellation refund that is not paid or credited to You by Us within thirty (30) days after the date of cancellation.

Cancellation by Us. We may not cancel the Agreement except for non-payment, fraud, material misrepresentation by You. Notice of cancellation by Us will be sent to You at least thirty (30) days prior to cancellation, and will state the effective date and reason for cancellation. If We cancel the Agreement, You will receive a prorated refund of the Agreement Price (based on an assumed duration of the Agreement, solely for cancellation purposes, of five (5) years), less the value of any Agreement services received. 

10. RENTAL OR LEASE PURCHASE (LTO ARRANGEMENTS):
If You leased this Agreement and the covered Merchandise under a Lease-to-Own Arrangement, You are entitled to all non-cash benefits under this Agreement until You acquire ownership of this Agreement and the covered Merchandise. Until You acquire ownership of this Agreement and the covered Merchandise, any rights to a settlement or cancellation refund under this Agreement will belong to the lessor. Upon acquiring ownership of this Agreement and the covered Merchandise, You are entitled to all benefits under this Agreement. 
 
  • An Agreement is not available for purchase on Lease/Lease-to-Own products in California, Indiana, and New York. Terms and conditions regarding Lease/Lease-to-Own products in those states as related to the Agreement are not applicable.
 
  • Lease/Lease-to-Own arrangements and products and their terms and conditions described
    herein are not available or applicable in Minnesota, New Jersey, Vermont, Wisconsin and Wyoming.

11. LIMITATION ON TRANSFER: This Agreement may not be transferred, and is only for the benefit of the original purchaser or gift recipient and all holders of this Agreement are subject to the terms and conditions contained herein.

12. FULL FAITH AND CREDIT: Our obligations under the Agreement are backed by Our full faith and credit. The Agreement is not guaranteed under a service contract reimbursement policy. The Agreement is not an insurance policy. The purchase of this Agreement is optional.

13. ENTIRE AGREEMENT: This document, and to the extent referenced in this document, Your sales receipt, set forth the entire agreement between parties with respect to the Agreement and no representation, promise or condition not contained herein shall modify these terms.

14. STATE VARIATIONS: If You reside in one of the states listed below, the following state specific variations shall supersede and control if inconsistent with any other terms and conditions of the Agreement:

ALABAMA RESIDENTS ONLY: No claim incurred or paid will be deducted from the amount to be refunded to You in the event of cancellation of the Agreement.

ARIZONA RESIDENTS ONLY: Under Section 3. WHAT IS NOT COVERED, pre-existing conditions is deleted and replaced with the following: Any and all pre-existing conditions that occur prior to the effective date of this Agreement, except if such conditions were known or should reasonably have been known by Us or Our subcontractors; The following is added to the CANCELLATION provision: No claim incurred or paid will be deducted from any cancellation refund regardless of who initiates the cancellation. We will not cancel or void this Agreement due to acts or omissions of Us for failure to provide correct information or to perform the services or repairs provided in a timely, competent, workmanlike manner, pre-existing conditions that were known or should have reasonably been known by Us.

CALIFORNIA RESIDENTS ONLY: In home service is not provided, and We will not pay the costs of transporting the Merchandise to any of Our store locations for service. We are not responsible for preventative maintenance. You may cancel the Agreement within sixty (60) days of receipt of the Agreement, and You will receive a full refund if You have not made a claim. If You have made a claim or cancel after sixty (60) days of receipt of the Agreement, You will receive a pro rata refund (based on an assumed duration of the Agreement, solely for cancellation purposes, of five (5) years).

CONNECTICUT RESIDENTS ONLY: You may cancel this Agreement if You return the covered Merchandise or the covered Merchandise is sold, lost, stolen or destroyed, subject to the terms and conditions related to refunds set forth in this Agreement. In the event that You have attempted but are unable to resolve a dispute with Signet Service Plans, Inc., 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 unresolved dispute, the purchase price of the covered Merchandise, the cost of repair of the covered Merchandise and a copy of the Agreement. Our obligations under this Agreement are insured under a service contract reimbursement insurance policy issued by Zale Indemnity Co. Should We fail to provide, or reimburse or pay for, any claim covered under this Agreement within sixty (60) days of filing such a claim, or if We become insolvent or otherwise financially impaired, You are entitled to make a direct claim against the insurer by submitting Your claim in writing to Zale Indemnity Co., 9797 Rombauer Rd., Dallas, TX 75019, 1-800-999-7829.

FLORIDA RESIDENTS ONLY: In the event the Agreement is canceled by You, return of premium shall be based upon one
hundred percent (100%) of unearned pro rata premium less any claims that have been paid or less the cost of repairs
made on behalf of You. In the event the Agreement is canceled by Us, return of premium shall be based upon one hundred
percent (100%) of unearned pro rata premium less any claims that have been paid or less the cost of repairs made
on Your behalf. The Agreement Price charged for the Agreement  is not subject to regulation by the Florida Office of Insurance Regulation of the Financial Services Commission.

GEORGIA RESIDENTS ONLY: We may not cancel the Agreement except for fraud, material misrepresentation, or failure to
pay the Agreement Price. The cancellation shall be in writing and shall conform to the requirements of Georgia Code Section
33-24-44. You may cancel at any time upon demand and surrender of the Agreement at any of Our store locations, and We
shall refund the excess of the Agreement Price above the customary short rate for the expired term of the Agreement. This Agreement is guaranteed by a surety bond issued by Western Surety Co., 101 S. Phillips Ave., Sioux Falls, SD 57104-6735. If a
claim for service or a refund under the Agreement is not honored by Us within sixty (60) days after You have claim to Us in
accordance with the terms and conditions of the Agreement, You may make such claim directly with Western Surety Co.

MAINE RESIDENTS ONLY : The following State Specific Requirement IS ADDED TO AND BECOMES PART
OF YOUR SERVICE AGREEMENT and supersedes any other provision to the contrary:
The following is added to Your
Service Agreement: You may, within 20 calendar days of mailing of the Service Agreement, or 10 days if delivered at time of sale, reject and return this Service Agreement. Upon return of the Service Agreement within the applicable time period, if no claims have been made, You will be refunded the full Service Agreement Price including any sales tax refund. A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the return of the Service Agreement. This provision applies only to the original purchaser. The CANCELLATION provision is amended by deleting the following statement in its entirety: Prior notice of cancellation is not necessary if canceled due to nonpayment of the Service Agreement Price or material misrepresentation. Claims will not be backed by a reimbursement policy.

NEVADA RESIDENTS ONLY: You may make such claim directly with Western Surety Co. This Agreement is non-renewable
at the conclusion of the Term listed in Section 8. No claim incurred or paid will be deducted from the amount to be
refunded to You in the event of cancellation of the Agreement. The Agreement may be canceled by You if the Merchandise is used as a trade-in toward another item. A new Extended Service Agreement would need to be purchased on the new item. If You are not satisfied with the manner in which We are handling the claim on the contract, You may contact the Division of
Insurance toll-free at (888) 872-3234.

NEW HAMPSHIRE RESIDENTS ONLY: In the event You do not receive satisfaction under this contract, You may
contact the New Hampshire Insurance Department, 21 South Fruit Street, Suite 14, Concord, New Hampshire 03301
or (800) 852-3416.

NEW MEXICO RESIDENTS ONLY: Final contract price to be determined prior to presentation to consumer for
signature.

NORTH CAROLINA RESIDENTS ONLY: The purchase of the Agreement is not required to obtain financing for the
Merchandise. The Agreement  may only be cancelled by Us for Your nonpayment of the Agreement Price.

OKLAHOMA RESIDENTS ONLY: Oklahoma service warranty statutes do not apply to commercial use references
in service warranty contracts. Coverage offered by this Agreement is not guaranteed by the Oklahoma Insurance Guaranty
Association. In the event You cancel this Agreement, return of the premium shall be based upon 90% of the unearned pro rate premium under the Agreement. This is not an insurance contract.

OREGON RESIDENTS ONLY: If You do not receive satisfaction under this Agreement, You may contact the Oregon Insurance
Division, Consumer Advocacy Unit, at 350 Winter Street NE, Salem, Oregon 97301 or by phone at (888) 877-4894.
Item, as used in this Agreement, is defined as the jewelry that has been purchased and is covered by this Agreement.

SOUTH CAROLINA RESIDENTS ONLY: If You have any questions or complaints regarding the Agreement, You may contact
the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina 29202-3105 or (800) 768-
3467.

TEXAS RESIDENTS ONLY: If You purchased this Agreement in Texas, unresolved complaints concerning Us or questions
concerning the regulation of a service contract provider may be addressed to the Texas Department of Licensing and
Regulation, P.O. Box 12157,Austin, Texas 78711, telephone number (512) 463-6599 or (800) 803-9202.

VIRGINIA RESIDENTS ONLY: If any promise made in the contract has been denied or has not been honored within
60 days after your request, you may contact the Virginia Department of Agriculture and Consumer Services, Office of
Charitable and Regulatory Programs at: www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml to file
a complaint. All other terms and conditions of the AGREEMENT are unchanged.

WISCONSIN RESIDENTS ONLY: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE
OF THE COMMISSIONER OF INSURANCE.
Our obligations under this Agreement are insured under a service contract
reimbursement insurance policy issued by Zale Indemnity Company. Should We fail to provide, or reimburse or pay for,
any claim covered under this Agreement within sixty (60) days of filing such a claim, or if We become insolvent or otherwise
financially impaired, You are entitled to make a direct claim against the insurer by submitting Your claim in writing to
Zale Indemnity Company, 9797 Rombauer, Dallas, TX 75019, 1-800-999-7829.





 
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