Protection Plan

Terms of Service

This Five (5) Year Easy Care Protection Plan (“Protection Plan”) is a Service Contract between you, (“You”; “Your”) the original purchaser and consumer, and the obligor, Service Contract Specialists, Inc. (“SCS ”; “We”; “Our”; “Us”) located at: 19 Smiley Ingram Rd, Cartersville, GA 30121, (800) 866-9636, except in Arizona, Virginia, and Washington, where the obligor is Dealers Alliance Corporation located at: 15920 Addison Road, Addison, TX 75001, (800) 282-8913 or, in Florida, where the obligor is Dealers Assurance Company (license number: 02977), located at: 15920 Addison Road, Addison, TX 75001, (800) 282-8913. This Protection Plan is administered by SCS.

  • This Protection Plan is not a cleaning or maintenance contract, insurance policy, or Your original manufacturer’s warranty. This Plan covers Your covered furniture for certain mechanical and structural breakdown and accidental damage from normal household use, as listed in the “WHAT IS COVERED” section.
  • This Protection Plan is only valid for new furniture purchased at the same time as this Protection Plan and appears on the sales ticket (sales receipt) with the Protection Plan. It is valid for a period of five (5) years (“the Term”) from the delivery date of Your new furniture. It is not renewable and is non-transferable.
  • SCS liability under this agreement is limited to the retail price You paid for Your covered furniture or up to $20,000, whichever is less. For area rugs, SCS liability under this agreement is limited to the retail price You paid for Your covered area rug or up to $1,500, whichever is less.
  • If a covered event occurs during the Term of this Protection Plan, SCS agrees to provide Service (“Service”) as outlined in the “SERVICE PROCEDURES” section of this Protection Plan.
  • This Protection Plan includes this document as well as Your sales ticket (sales receipt). You must provide a sales ticket (sales receipt) for Your covered furniture to receive service.


Requirements for Requesting Service

Failure to meet any of the following requirements can result in a denial of Service under this Protection Plan:

  • The furniture must have been delivered and installed soil-free and damage-free from the store where it was purchased;
  • You must have performed all routine and preventative maintenance, as recommended by the manufacturer;
  • Any stain or damage must be reported to SCS within thirty (30) days of the date that the stain or damage occurred. Notify SCS by calling (888) 219-8923;
  • If a spill occurs, simply blot with a clean, dry cloth. If the stain persists, please contact SCS before attempting any further cleaning.

  • Service Procedures

    If SCS determines that the reported stain or damage is covered under this Protection Plan, SCS will perform one or more of the following:

    • SCS may provide a cleaning kit or consultation on how to remove the stain.
    • SCS may dispatch an authorized technician to remove the stain or repair the damaged area.
    • SCS may replace all or part of the affected area, component, or piece of furniture. Dye lots vary and furniture may fade over time, so replacements may not exactly match the color of non-replaced areas. Replacement parts may be new or rebuilt or refurbished as determined by SCS.
    • SCS may provide for a store credit at the original store where purchased in an amount equal to the original purchase price of the affected piece of furniture (“Reselection”). Your Reselection store credit is only valid for 60 days after notification by SCS.
    • Replacement, or Reselection will complete Your coverage under this Protection Plan on the area, component, or piece of furniture. Replaced or Reselected furniture may be eligible for a new SCS Protection Plan at the discretion of SCS.
    • If You submit a covered claim for a stain or damage and the particular store location where You originally purchased Your furniture has closed, no longer carries SCS as a supplier, changed ownership, or has stopped selling new furniture since Your purchase, SCS will provide repair service only, and will not replace the item if it is unrepairable.


    What is Covered

    This Protection Plan provides Service for accidental stains or damage from only the items listed in the “WHAT IS COVERED” section of this Protection Plan that occurred as a result of a specific incident. Coverage is specific to the plan that You purchased. Please reference Your sales ticket (sales receipt) for the applicable plan code:

    FABRIC: Plan Codes: USF, ICL, PLT, PP1, PP4, TCP, TPP

    • Any food or drinks normally consumed by humans
    • Human bodily fluids
    • Pet bodily fluids
    • Vomit
    • Gel pen
    • Highlighter
    • Crayon
    • Grass
    • Grease
    • Iodine
    • Shoe polish
    • Puncture, cut, tear, or rip from a specific incident
    • Any burn or heat mark from a cigarette or hot dinner plate


    LEATHER: Plan Codes: USL, PLT, PP1, PP4, TCP, TPP

    • Any food or drinks normally consumed by humans
    • Human bodily fluids
    • Pet bodily fluids
    • Gel pen
    • Highlighter
    • Crayon
    • Grass
    • Grease
    • Iodine
    • Shoe polish
    • Puncture, cut, tear, or rip from a specific incident
    • Blue jean dye transfer
    • Newspaper print transfer
    • Any burn or heat mark from a cigarette or hot dinner plate


    Wood: Plan Codes: WDD, PLT, PP1, PP4, TCP, TPP

    • Any food or drinks normally consumed by humans
    • Human bodily fluids
    • Any burn or heat mark from a cigarette or hot dinner plate
    • Any water ring caused by beverages
    • Any scratch, gouge, or chip from a specific incident that penetrates the finish
    • Any lifting or bubbling of veneers from foods and beverages
    • Any chip or breakage of glass or mirrors
    • Loss of silvering on mirrors
    • Failure of integral electrical components in wall units or cabinets


    Area Rugs: Plan Code: RGS

    • Any food or drinks normally consumed by humans
    • Human bodily fluids
    • Pet bodily fluids


    EasyCare Pet: Plan Codes: TCP, TPP

    • Provides all coverage applicable to Fabric and Leather as well as: rips and tears caused by pets


    What is Not Covered

    This Protection Plan provides no Service or benefit for any of the following:

    General

    • Any stain or damage that is not specifically listed under the section titled “WHAT IS COVERED;”
    • When the actions listed in the “REQUIREMENTS FOR REQUESTING SERVICE” have not been followed;
    • Any accumulation of stains or damage, including stains, damage, or soil buildup (as well as perspiration, hair and body oil) that occurs from repeated use, rather than from a particular incident;
    • Any stain or damages of unknown origin.


    Ineligible Furniture & Components

    • Furniture sold with stains or damage prior to delivery (“as is”);
    • Components and mechanisms integrated into furniture; including, but not limited to, sinks, plumbing, TV lifts, fireplace, clocks, and refrigerators;
    • Stains or damage to suede or exotic leathers;
    • Stains or damage to split-grain leather hides used in seat cushions, back cushions, or arm areas, except for bicast leather.


    Improper Maintenance, Care, or Misuse

    • Stains or damage on furniture that has not been properly cared for or maintained, as per Your manufacturer’s warranty;
    • Stains or damage resulting from the improper use or misuse of furniture, including the use of furniture beyond the purpose for which it had been designed;
    • Stains or damage resulting from the improper, in-home movement of furniture;
    • Stains or damage, including color loss or color change, caused by cleaning methods other than those recommended by the furniture manufacturer;
    • Stains or damage caused by animals, unless otherwise specified in the “WHAT IS COVERED” section of this document. Repetitive bodily fluid stains are considered preventable occurrences and will not be eligible for Service;
    • Intentional stains or damage;
    • Furniture that shows signs of infestation including, but not limited to, insects, termites, cockroaches, and rodents.


    Manufacturer Quality Issues

    • Stress tear (tearing or ripping of upholstery within one-half inch of and parallel to the seam line), or fabric flaws;
    • Fading, color loss or color change;
    • Loss of foam and/or innerspring resiliency (including body impressions);
    • Defects in design, materials or workmanship not specifically listed in the “WHAT IS COVERED” section;
    • Natural leather markings such as, but not limited to, scars, insect bites, brand marks, and wrinkles.


    Non-household Environments

    • Stains or damage that occur during any delivery or installation process, or before the furniture is delivered to Your residence;
    • Stains or damage that occur while the furniture is not located within Your residence;
    • Stains or damage that occur while the furniture is in storage, or being moved to or from storage, or between residences;
    • Furniture that is, or has been, used for commercial, institutional, or rental purposes, including daycare.


    Wear & Tear Caused by Repeated Use (Over Time)

    • Stains or damage caused by wear;
    • Pilling, pulls, snags, seam separation, or fraying of fabric;
    • Loose joints;
    • Cracking and peeling.


    Miscellaneous

    • Dyes and caustic solutions and chemicals;
    • Odors;
    • Feces;
    • Stains or damage covered under any manufacturer’s warranties, or under any homeowner’s, renter’s, or other insurance policy;
    • Stains or damage caused by structural problems, including, but not limited to, skylights, roofs, or water pipes;
    • Stains or damage caused by appliance malfunctions, including, but not limited to, air conditioners and water heaters;
    • Stains or damage caused by fire, smoke, flood, or other natural disaster;
    • Stains or damage caused by theft, vandalism, or as a result of any other illegal activity;
    • Stains or damage caused by independent contractors such as, but not limited to, maintenance personnel, painters, or other repair or contractor services;
    • Seasonal cracking;
    • Damage to photo finished furniture.


    Materials Not Covered

    • Haitian Cotton;
    • Denim;
    • Silk;
    • Stains or damage to “X” cleaning code fabrics and non-colorfast fabrics (fabric that loses color when cleaned according to the manufacturer’s cleaning instructions);
    • Nubuck;
    • Naked Leathers.


    Mechanisms & Components

    This Protection Plan does not include Service needed on parts as a result of any of the following:
    • Installation, set-up, moving, or relocation from the originally installed location;
    • Negligence, misuse, abuse, improper maintenance, electrical disturbances and power surges, acts of nature, or work, attachments, additions, alterations, or modifications by persons other than technicians who are authorized by the administrator;
    • Improper operating environment;
    • Any problem not involving a defect;
    • Any damage or malfunction caused by an animal or pet;
    • Any damage or malfunction caused by liquids of any kind;
    • Dropped product or components (including remote controls).


    Additional Terms

    In the event that You miss a service appointment, You may be charged a fee of up to $100.

    Cancellation

    You may cancel this Plan by calling Us at: (800) 866-9636 during normal business hours (Monday through Friday, 8:00 a.m. to 7:00 p.m. or Saturday 8:00 a.m. to 2:00 p.m. eastern time). If cancelled within (30) days, You will receive a refund equal to the purchase price of this Plan. After thirty (30) days, You will receive a pro-rated refund based on the portion of the coverage period that has expired minus the cost of any claims paid. We may not cancel this Plan except for fraud, material misrepresentation or non-payment of premium by You. Notice of such cancellation will be mailed to You at Your last known address at least thirty (30) days prior to cancellation and will include the effective date and reason for cancellation. If We cancel, the return premium is based upon one-hundred percent (100%) of the unearned pro-rated premium.

    The purchase price of Your Protection Plan is listed in Your sales ticket (sales receipt). There is no deductible under the Protection Plan. No claims will be paid without prior authorization. You may not sell or transfer Your rights under this Protection Plan to another person. This Plan is not renewable.

    Obligations of the provider under this service agreement are insured under a service contract reimbursement insurance policy. If the provider fails to pay or provide service on a claim within 60 days after proof of loss has been filed, the service contract holder is entitled to make a claim directly against the reimbursement insurance company at: Dealers Assurance Company, 15920 Addison Road, Addison, TX 75001, (800) 282-8913.


    State Variations

    The following state-specific paragraphs amend the contract. The state-specific amendatory endorsements are only effective in the states to which they apply:

    • Alabama: Section: “Cancellation” is amended to include the following: “A ten percent penalty per month shall be added to a refund that is not paid or credited within 45 days after return of the service contract to the provider.” Arizona: Section: “Cancellation" the phrase “minus the cost of any claims paid” is deleted and the following sentence is added to the section: “No claim incurred or paid shall be deducted from the amount to be returned under this section.”
    • Arkansas: Obligations of the provider under this service contract are guaranteed under a service contract reimburse- ment insurance policy. If the provider fails to pay or provider service on a claim within 60 days after proof of loss has been filed, the service contract holder is entitled to make a claim directly against the insurance company. The insurance company is Dealers Assurance. Contract holders may make a claim at: 240 N. Fifth Street, Suite 350, Columbus, OH 43215, (800) 282-8913. Section: “Cancellation” is amended to include the following: “A ten percent (10%) penalty per month shall be added to a refund that is not paid within forty-five (45) days of return of the service contract to the provider.”
    • California: Section “Cancellation” is amended to include the following: “If You cancel this service contract and the refund due is not paid to You within 30 days after We receive written notice of cancellation, the amount of the required refund shall bear interest, payable to You, at the rate of 10% per annum for each additional 30 days or fraction thereof.” In Section: “Cancellation”, all references to “thirty (30)” days are hereby replaced with “sixty (60) days from receipt of the agreement” with respect to the time for which You may receive a full refund.
    • Colorado: Section: “Cancellation” is amended to include the following provision: “If a refund of the service contract provider fee is not paid within forty-five (45) days after the return of the service contract, a ten percent (10%) penalty per month shall be added to the refund.”
    • Connecticut: If Your Covered Furniture is sold, lost, stolen, or destroyed, you have the right to cancel this service contract. If You purchased this Plan in Connecticut, You may pursue arbitration to settle disputes between You and the provider of this Plan. You may mail Your complaint to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must describe the dispute, identify the price of the product and cost of repair, and include a copy of this service contract. If the examiner is unable to resolve the dispute through mediation, he or shall transfer it to the Arbitration Unit within the Insurance Department for arbitration proceedings.
    • Florida: The price charged for this service contract is not subject to regulation by the Florida Office of Insurance Regulation. You have the right to receive this contract via United States mail, rather than electronic transmission. If You do not communicate to Us your willingness to receive this service contract by electronic submission, We will mail You a paper copy.
    • Georgia: Section: “Cancellation” is amended to include the following: “You may cancel this service contract at any time. If You cancel this service contract, You will be entitled to a refund equal to the unearned pro rata premium but We will not deduct claims paid under any circumstance. All refunds due under this Contract shall conform to the requirements of Georgia Code § 33-24-44.”
    • Hawaii: Section: “Cancellation” is amended to include the following: “A 10% penalty per month shall be added to any refund that is not paid within 45 days after the return of the service contract to Us.”
    • Maine: Section: “Cancellation” is amended to include the following: “A monthly penalty equal to 10% of the provider fee outstanding will be added to a refund that is not paid to You within 45 days after return of the service contract to the Us.”
    • Maryland: Section: “Cancellation” is amended to include the following: “If You cancel this agreement and We do not provide You a refund within 45 days of cancellation, You will be entitled to a penalty equal to 10% of the value of the price you paid for the service contract for each month We do not pay You the refund.” If we fail to perform required services, this service contract is extended until We provide services due.
    • Massachusetts: Section: “Cancellation” is amended to include the following: “If You cancel this agreement and We do not provide You a refund within 45 days after return of the service contract to Us, a 10 percent penalty per month shall be added to Your refund.”
    • Minnesota: Section: “Cancellation” is amended to include the following: “If You cancel this agreement and We do not provide You a refund within 45 days after return of the service contract to Us, a 10 percent penalty per month shall be added to Your refund.”
    • Missouri: Section: “Cancellation” is amended to include the following: “If You cancel this agreement and We do not provide You a refund within 45 days after return of the service contract to Us, a 10 percent penalty per month shall be added to Your refund.”
    • Nevada: Section: “Cancellation” is amended to include the following: “If We fail to provide You a refund within 45 days after You return the service contract, We shall pay You a penalty of 10 percent of the purchase price for each 30 day period or portion thereof that the refund remains unpaid.”
    • New Hampshire: In the event You do not receive satisfaction under this contract, You may contact the New Hampshire insurance department, at 21 S. Fruit Street, #14, Concord, NH 03301 or at 603-271-2261.
    • New Jersey: Section: “Cancellation” is amended to include the following: “If We fail to provide You a refund within 45 days after You return the service contract, We shall pay You a penalty of 10 percent of the purchase price for each 30 day period or portion thereof that the refund remains unpaid.”
    • New Mexico: Section: “Cancellation” is amended to include the following: “If We fail to provide You a refund within 45 days after You return the service contract, We shall pay You a penalty of 10 percent of the purchase price for each 30 day period or portion thereof that the refund remains unpaid.”
    • New York: Section: “Cancellation” is amended to include the following: “If We fail to provide You a refund within 30 days after You return the service contract, We shall pay You a penalty of 10 percent of the purchase price for each month that the refund remains unpaid.”
    • Oregon: In the event of an emergency repair, please contact a qualified servicer to have the repair performed and contact us the following business day for reimbursement.
    • Oklahoma: Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guarantee Association. Service warranty license number: 502983082.
    • South Carolina: In the event of a dispute with the provider of this Plan, You may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina 29201 or (800) 768-3467. Section: “Cancellation” is amended to include the following: “A 10 percent penalty shall be added to any refund not paid by Us within 30 days of return of the contract to Us.”
    • Texas: The administrator is registered as such in the State of Texas and maintains the following registration number: 737. Section: “Cancellation” is amended to include the following: “If We fail to pay You a required refund before the 46th day after the date of notice of cancellation was received by Us, We will pay You a penalty for each month an amount remains outstanding equal to 10 percent of the amount outstanding. The penalty is in addition to the full or prorated purchase price of the contract owed to You.” Unresolved complaints concerning service contract providers and administrators or questions pertaining to service contract regulation may be addressed to the Texas Department of Insurance, 333 Guadalupe, Austin, Texas, 78701, or P.O. Box 149104, Austin, Texas, 78714 and at 1-800-578-4677.
    • Utah: This service contract is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this contract is not guaranteed by the Property and Casualty Guaranty Association. In the event of an emergency repair, please contact a qualified servicer to have the repair performed and contact us the following business day for reimbursement. ANY MATTER IN DISPUTE BETWEEN YOU AND THE COMPANY MAY BE SUBJECT TO ARBITRATION AS AN ALTERNATIVE TO COURT ACTION PURSUANT TO THE RULES OF (THE AMERICAN ARBITRATION ASSOCIATION OR OTHER RECOGNIZED ARBITRATOR), A COPY OF WHICH IS AVAILABLE ON REQUEST FROM THE COMPANY. ANY DECISION REACHED BY ARBITRATION SHALL BE BINDING UPON BOTH YOU AND THE COMPANY. THE ARBITRATION AWARD MAY INCLUDE ATTORNEY'S FEES IF ALLOWED BY STATE LAW AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT OF PROPER JURISDICTION." Section: “Requirements for Requesting Service” is amended to include the following: “Failure to give any notice or file any proof of loss required by the policy within the time specified in the policy does not invalidate Your claim if You show that it was not reasonably possible to give the notice or file the proof of loss within the prescribed time and that notice was given or proof of loss filed as soon as reasonably possible.”
    • Washington: Section: “Cancellation” is amended to include the following: “A 10 percent penalty shall be added to any refund not paid by Us within 30 days of return of the contract to Us.” In the event any dispute arising under this service contract goes to arbitration, such proceedings shall be held at a location in closest proximity to Your permanent residence. You may make a direct claim with the insurance company at any time.
    • Wisconsin: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. Section: “Cancellation” is amended to include the following two provisions: “If We do not pay You any refund due within 45 days after You return the service contract to Us, We shall pay You a penalty equal to 10% of the refund amount outstanding which We will add to Your refund; In the event of a total loss of the property covered under this contract, You are entitled to cancel this contract and receive a pro rata refund, less any claims paid.”
    • Wyoming: Section: “Cancellation” is amended to include the following: “A 10 percent penalty shall be added to any refund not paid by Us within 45 days of return of the contract to Us.”

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