STATE OF MICHIGAN

DEPARTMENT OF ATTORNEY GENERAL

P.O. BOX 30736

LANSING, MICHIGAN 48909

DANA NESSEL
ATTORNEY GENERAL

May 19, 2022

Opulent Marketing, Inc.,

d/b/a Infinite Auto Protection
(INFINITEAUTOPROTECTION.COM)

c/o Northwest Registered Agent Service, Inc.

2222 W. Grand River Ave., Ste. A
Okemos, MI 48864

Re: Notice of Intended Action pursuant to MCL 445.905

AG No. 2021-0325650-A

This letter serves as a notice of intended action in accordance with MCL

445.905(2) and directs you to immediately cease and desist from engaging in the
unlawful business practices described below. In addition to ceasing this conduct,
you are also advised to correct the effects thereof as soon as possible, including
immediate payment of refunds to customers invoking their cancellation rights
pursuant to their respective Infinite Auto Protection vehicle service contract.

As background, this Office is responsible for enforcement of the Michigan

Consumer Protection Act, MCL 445.901 et seq. (MCPA). Under this Act, the
Attorney General may bring an action seeking injunctive relief to protect the
interests of consumers. MCL 445.905. She may also bring an action for damages on
behalf of consumers “residing in or injured in” this State. MCL 445.910.

Relevant to this Notice, the MCPA defines the following misconduct to be

unfair, deceptive, or unconscionable practices in the conduct of trade:

(c) Representing that goods or services have sponsorship, approval,

characteristics, ingredients, uses, benefits, or quantities that they do
not have or that a person has sponsorship, approval, status,
affiliation,or connection that he or she does not have.
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May 19, 2022

(g) Advertising or representing goods or services with intent not

to dispose of those goods or services as advertised or represented.

(n) Causing a probability of confusion or of misunderstanding as to

the legal rights, obligations, or remedies of a party to a transaction.

(s) Failing to reveal a material fact, the omission of which tends to

mislead or deceive the consumer, and which fact could not
reasonablybe known by the consumer.

(u) Failing, in a consumer transaction that is rescinded, canceled, or

otherwise terminated in accordance with the terms of an agreement,
advertisement, representation, or provision of law, to promptly restore
to the person or persons entitled to it a deposit, down payment, or
other payment, or in the case of property traded in but not available,
the greater of the agreed value or the fair market value of the
property, or to cancel within a specified time or an otherwise
reasonable time an acquired security interest.

(y) Gross discrepancies between the oral representations of the seller

and the written agreement covering the same transactions or failure
of the other party to the transaction to provide the promised benefits.

(bb) Making a representation of fact or statement of fact material to

the transaction such that a person reasonably believes the
representedor suggested state of affairs to be other than it actually
is. [MCL 445.903]

Since May 31, 2019, the Attorney General has received over 125 complaints
from consumers throughout the country regarding vehicle service contract provider
Infinite Auto Protection (IAP), including over 95 within the past year. According to
corporate filings with the Michigan Department of Licensing and Regulatory
Affairs, INFINITEAUTOPROTECTION.COM is an assumed name for Opulent
Marketing, Inc. Thus, this Office has reason to believe Opulent Marketing, Inc.
operates (or operated) Infinite Auto Protection, with a business location of 10000
Wayne Rd., Ste. 202, Romulus, Michigan 48174.

During the past year, you failed to respond to consumer complaints our Office
forwarded as part of its mediation process. And as we were in the process of
gathering additional documentation and information from consumers in anticipation
of this notice, you appear to have discontinued operations. Efforts to reach you by
telephone have failed, and your website is now down. One of our investigators visited
your office location only to find it locked—and onsite interviews have us doubting
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May 19, 2022

anyone has been there for quite some time. Be advised that simply closing down your
business does not absolve you of the obligations you have to consumers, nor does it
resolve our concerns.

The various complaints demonstrate a troubling pattern of business practices,

culminating in IAP/Opulent Marketing realizing a windfall. As elaborated below,
consumers have often found they cannot get the benefit of the warranty (vehicle
service contract) they have paid for. Although its contracts provide for a full or
partial refund, depending on the time of contract cancellation, IAP/Opulent has not
lived up to the terms of its own contract.

Complaints likewise demonstrate that IAP fails to live up to representations

touted on its former website, and which otherwise contained certain
misrepresentations. (March 30,2022 screenshot of IAP homepage
www.infiniteautoprotectio.com is attached as Attachment 1).

Specific concerns

As a preliminary observation, at all relevant times, the former Infinite Auto

Protection website home- page displayed the BBB accredited business logo, with an
accompanying “A+” rating. In fact, Infinite Auto Protection was and is not BBB
accredited and has an “F” rating. (BBB Business Profile, 4/26/2022 screenshot,
Attachment 2.) Thus, the Attorney General has probable cause to believe IAP has
violated MCL 445.903(1)(c).

Next, consumer complaints filed with this Office consistently raise the
following concerns:

• Claims process misrepresentations. On its former website, IAP

represented that it “guarantees 100% payment of all covered
repairs” (less any deductible) and offers “fast 24/7 claims process, with
a “simple claims process.” The IAP service contract was otherwise sold
with the promise to promptly settle repair claims by payment for the cost
for repair or replacement of covered parts. However, consumers
complaining to our Office indicate that the IAP claims process is difficult,
time-consuming, and replete with delay. Barriers include: periods of
unexplained non-response and inaction by IAP (despite repeated
emails/phone calls by consumers and sometimes by the repair facility);
hurtles imposed by the service contract terms; and, most often, IAP’s
dispute of coverage or repair estimate determinations.
An eventual result is IAP payment for less than the amount of the repair
estimate, with the consumer left paying the remainder. As coverage
requires IAP’s pre-authorization before any repair, consumers are without
the use of their vehicle throughout his process; adding to their frustration
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May 19, 2022

and pressure to acquiesce in IAP’s lower claim payment. Alternatively,

the IAP claim process may result in the consumer giving up on trying to
secure any IAP payment, with IAP then paying nothing. Now that you
are closed, consumers will no doubt have even more difficulty in getting a
response—though the ultimate outcome will be the same. The pattern of
concerns expressed in these consumer complaints gives the Attorney
General probable cause to believe IAP has and is violating MCL
445.903(1)(y) and (bb).
• Contract cancellation refund misrepresentations. In addition to a
“100% Risk Free” claim, the former IAP website also stated: “30 days
money back guarantee on all vehicle services contracts”. The IAP
service contract provides that consumers may cancel their IAP contract
and receive: (1) a full purchase price refund if cancelled within 30 days of
purchase and no claims have been paid; or (2) after 30 days, a partial
refund pro-rated by the lesser of the time expired or number of miles
driven since purchase, together with a $25 “processing fee”. While a term
in the contract (paragraph N) also provides for refund deduction for any
IAP claim payments made prior to cancellation, an unknown number of
customer service contracts have a second, conflicting refund cancelation
contract provision that does not provide for such deduction. Despite being
the drafter of the contract, IAP has construed the contract in its own
favor, utilizing the provision resulting in the smaller refund amount owed
the consumer.
Consumer complaints also report frequent disputes by IAP regarding the
appropriate refund amount, resulting in lengthy delays before IAP agrees
to any refund. Once IAP does agree, it emails a ‘cancellation form’ stating
its agreed refund amount, which the consumer is required to sign. The
form contains an expansive release, purportedly absolving IAP from all
consumer claims. This release is not allowed by the IAP service contract
as a condition to IAP’s refund obligation. Further, while the cancellation
form represents that IAP refunds will be made within 12 to 14 business
days, numerous consumers report refund is not received within this
period, if at all. Each of the foregoing patterns provides the Attorney
General with probable cause to believe that IAP has and is violating MCL
445.903(1)(g),(n) and (s).
• Non-payment of cancellation refunds. Regardless of the refund
computation, most (and increasingly all), complaints report IAP’s failure
to pay cancellation refunds, in any amount. Repeated calls and emails by
consumers attempting to secure payment, spanning weeks and months,
are met with IAP silence, or phone response that the refund is “in
process.” IAP has likewise failed to respond to this Office regarding
consumer complaints sent to the company requesting refund. In failing to
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May 19, 2022

provide refunds upon cancellation and by breaching its own contract by

non-payment, the Attorney General has probable cause to believe that IAP
is violating MCL 445.903(1)(u) and (y).
Among the complaints received by this Office are ones from California and
Florida IAP customers. In November 2021, the California Department of
Insurance and Florida Office of Insurance and Regulation both sent
notices to Opulent Marketing/IAP stating that it is operating in violation
of respective state laws by not holding the requisite license (CAL) and
Certificate of Authority (FL); and to immediately Cease and Desist
marketing vehicle service contracts to consumers in their States. IAP was
directed to issue refunds to affected residents of those States. The
Attorney General has probable cause to believe that IAP has not done so,
implicating MCL 445.903(1)(c),(n), (s) and (u).

At this time, we are building our case against Opulent Marketing and
collecting affidavits from consumers demonstrating these abhorrent business
practices. One of these affidavits is attached for your reference so that you can
understand the nature of the proofs being assembled. (Attachment 3).

The attached affidavit reflects that $6,600 was paid to IAP for two vehicle
service contracts. Two initial claims resulted in only partial payment by IAP, with
the consumer left paying a substantial portion of each repair cost.

When a third claim was submitted, IAP sent out its own inspector, who
identified various reasons why the claim should be denied, all of which were refuted
by the findings of the shop mechanic and a certified Mercedes AMG mechanic.
Other IAP bases for denial continued, such as its claim that the vehicle had been in
an accident, thereby voiding the contract; when the vehicle came with a clean
Carfax report at the time of purchase and had never been in an accident.

After weeks of going back and forth with the IAP office and inspector, the
consumer concluded that IAP was not going to honor the claim and cancelled both
contracts. After several weeks of inaction by IAP, (despite multiple phone calls and
emails by the consumer), an IAP email was finally received directing the consumer
to send photos of the vehicle odometers (which was done on the same day) and to
wait for a cancellation contract to be sent by email. For the next fourteen months,
no further IAP response was received, despite further repeated calls by the
consumer.

IAP eventually sent a cancellation confirmation form which the consumer

signed and sent back that same day, despite providing a lower refund amount than
the consumer felt was owed. While the form represented that the refund would
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May 19, 2022

arrive in 12 to 14 business days, close to 2 years after initial cancellation no refund

has been received.

From this point, the Attorney General has the option of either commencing
an investigation pursuant to MCL 445.907 or a lawsuit under MCL 445.905 and
MCL 445.910.

We are hopeful that further investigation or litigation can be avoided through

mutual agreement. Any agreement will require Opulent Marketing to address all of
the above concerns, including, but not limited to, an enforceable agreement to cease
and desist practices in violation of the MCPA and payment to all consumers affected
by the identified unfair trade practices, in particular, payment of appropriate
cancellation refunds. If your present closure is permanent, we need to understand
what plans are being made with regard to the obligations owed to consumers. We
need to hear back from you regarding your interest in such an assurance of
voluntary compliance within the next ten days.

We are available to meet with you in person or by telephone regarding this

matter and look forward to your response.

Sincerely,

Kathy Fitzgerald
Darrin Fowler
Assistant Attorneys General
Corporate Oversight Division
(517) 335-7632
fitzgeraldk@michigan.gov
fowlerd@michigan.gov
ATTACHMENT 1
ATTACHMENT 2
ATTACHMENT 3
ATTACHMENT A
DocuSign Envelope ID:

Infinite Auto Protection

10000 Wayne Rd, Suite 202
Romulus, MI 48174
Sales Support: 1-888-734-7392

VSC#

The information listed on this page represents t nformation that was

provided to Infinite Auto Protection by Kristjan upon registration of the
vehicle service contract. To avoid any inaccurac or misrepresentations,
please verify that the information below is true and accurate.

Vehicle Information

Year: 2013
Make: Audi
Model: S6
Mileage: 62535 Please Confirm: 62535
VIN: Confirm:

Customer Information:

Name: Kristjan
Home Phone:
Work Phone:

Billing Information

Billing Address
Billing City:
Billing State:
Billing Zipcode:
DocuSign Envelope ID:

Declaration Page & Contract Information

I have read and understood all the terms & conditions listed in the service agreement located at
www.Infiniteautoprotection.com and agree to be bound by these terms. By electronically signing
below, I acknowledge that I am the purchaser of this contract and of legal age, have provided true and
complete information and have received a copy of the Service Agreement. You may also review your
service agreement within this Eform. This Agreement is binding, conditional to final review by Infinite
Auto Protection Underwriting Department. Infinite Auto Protection reserves the right to not accept this
vehicle service contract or to administratively cancel this vehicle service contract before the effective
date of this vehicle service contract. In the event that Infinite Auto Protection does not accept this
vehicle service contract or administratively cancels this vehicle service contract before the effective
date you will receive a full refund. I understand, failure to provide an accurate electronic signature for
this contract by the contract start period, I will be responsible for any and all repairs that may arise on
the covered listed vehicle and/or authorized Infinite Auto Protection to cancel my contract according
to the terms of cancellation listed in service agreement and on my declaration page. $330 has
been already paid by YOU, Kristjan , at the time the sale was conducted on 2019-01-04 13:34:41.
This payment includes the required mum down payment and a one-time activation fee (if
applicable). At the time the sale was conducted on 2019-01-04 there was a processing fee of $25.00
which is only due if contract is cancelled prior to term start of 2019-02-03 but not to reflect the term
start mileage. On the 30th day your contract will be activated by US and the deferred activation fee is
non refundable to YOU. Contract start date: Feb 03, 2019 And 63535 Miles from the mileage stated by
you, the customer, within this authorization form.

Coverage Plan: Prime

Term Starts: Feb 03, 2019 And 63535 Miles
Term Ends: Feb 03, 2024 Or 163535 Miles
Total Price: $3300
Deductible: $100
Already Paid: $330
Processing Fee:² ($25.00 deferred)

Plan ¹ What has been already paid by YOU at the time the sale was conducted
on 2019-01-04 includes the required minimum down payment and a one time
activation fee (if applicable) ² At the time the sale was conducted on 2019-01-
04 there was deferred processing fee of $25.00 and is only due to you if
contract is cancelled prior to the term start as noted above. Once the contract
begins, it is activated and the activation fee is non-refundable.

I, Kristjan , Agree that I have read and agree to the terms of my

declaration e and contract information listed above.
DocuSign Envelope ID:

Vehicle Service Contract

A. Definitions

The following terms have specific meaning when capitalized and used within this CONTRACT:

1) ADMINISTRATOR, OBLIGOR, SERVICE CONTRACT PROVIDER, WE, US, OUR: means Infinite
Auto Protection, 10000 Wayne Rd, Suite 202, Romulus MI 48174, 1-888-734-7392 the party
obligated under this Vehicle Service CONTRACT. The ADMINISTRATOR is who YOU contact for any
MECHANICAL BREAKDOWN or FAILURE for covered repairs under this CONTRACT, cancellations,
refund and any other questions or concerns regarding YOUR CONTRACT. The ADMINISTRATOR is also
responsible to provide authorization for any covered repairs for MECHANICAL BREAKDOWN or
FAILURE under this CONTRACT and any other benefits this CONTRACT may provide YOU.

2) YOU, YOUR: means the contract holder named on the DECLARATIONS PAGE of YOUR CONTRACT.

3) CONTRACT: means this agreement with all of the COVERAGE that YOU have elected to purchase
from the VENDOR or BROKER and the DECLARATION PAGE attached to this agreement.

4) COVERAGE: means any component, part, labor or benefit listed within the Coverage Description
section and the Additional Benefits section of this CONTRACT.

5) COVERED PART or COVERED COMPONENT: means any part or component of the VEHICLE that
is listed within the Coverage Description section of this CONTRACT and that is not excluded under
the Exclusions section of this CONTRACT.

6) DECLARATIONS PAGE: means the page of this CONTRACT that lists the VENDOR information, the
purchaser information, the VEHICLE information, the lien holder information, the coverage plan
information, the start and end terms of the CONTRACT, the LABOR RATE information, DEDUCTIBLE
information, and any other key information specific to YOUR CONTRACT and is titled
“DECLARATIONS PAGE.”

7) VENDOR: means the company from whom YOU purchased this CONTRACT. VENDOR information
can be found on the DECLARATIONS PAGE of this CONTRACT.

8) DEDUCTIBLE: means the amount YOU must pay per visit for any covered repair, as listed on the
DECLARATIONS PAGE of this CONTRACT.

9) LABOR RATE: means the maximum hourly rate listed on the DECLARATIONS PAGE of YOUR
CONTRACT to be authorized for COVERED repairs under YOUR CONTRACT.

10) LABOR HOURS: means the labor time needed for the repair and/or replacement of any COVERED
PART as based on a nationally recognized labor guide as selected by the ADMINISTRATOR.

11) COMMERCIAL VEHICLE: means any VEHICLE that is used for business purposes (to generate
financial income, full or part-time). See the Commercial Vehicle section of this contract for
additional information regarding coverage and exclusions.

12) REPAIR FACILITY: means any licensed automotive REPAIR FACILITY capable of performing repair
services to a COVERED PART within the United States of America and Canada.

13) VEHICLE: means the VEHICLE described in the DECLARATIONS PAGE of YOUR CONTRACT.

14) FACTORY or DEALER WARRANTY: means the new warranty, certified pre-owned or similar
warranty furnished to YOU by the MANUFACTURER, or limited warranty furnished to YOU by or for
the benefit of the DEALER, in connection with YOUR purchase of YOUR VEHICLE.

15) MAINTENANCE RECORDS: means any original receipts, invoices and any other documents that
demonstrate all required maintenance has been performed at proper intervals as recommended by
the MANUFACTURER of YOUR VEHICLE.

16) MANUFACTURER: means the company that manufactured YOUR VEHICLE.

17) DEALER: means the dealer or seller who sold YOU the VEHICLE.

18) PRIOR AUTHORIZATION: means the approval of and the approval number issued by the
ADMINISTRATOR in respect to COVERAGE under YOUR CONTRACT. A PRIOR AUTHORIZATION is
required from the ADMINISTRATOR before any repairs are performed on YOUR VEHICLE. Any costs
for repairs or road side assistance you incur without PRIOR AUTHORIZATION, when PRIOR
AUTHORIZATION is required, will not be covered under this CONTRACT.

19) WAITING PERIOD: means the period specified on the DECLARATIONS PAGE. However, if you have
DocuSign Envelope ID:

purchased this CONTRACT while another service contract or manufacturer warranty is in force for
the VEHICLE that names YOU as the holder then the WAITING PERIOD may be shortened and will
end upon expiration of said contract or warranty by time or miles if such expiration occurs before
the WAITING PERIOD stipulated on the DECLARATIONS PAGE of YOUR CONTRACT. Thirty (30) days
and one-thousand (1000) miles will be added to the term of the CONTRACT.

20) MECHANICAL BREAKDOWN, BREAKDOWN or FAILURE: means the MECHANICAL BREAKDOWN

or FAILURE of any original or like replacement part covered by YOUR CONTRACT to work as it was
designed to work in normal service, providing the VEHICLE has received required maintenance as
defined in the Maintenance section of YOUR CONTRACT and does not include worn parts that are
within manufacturer tolerances. Please refer to the wording under exclusions for a listing of
conditions under which the FAILURE of a COVERED PART is not considered a covered MECHANICAL
BREAKDOWN or FAILURE.

21) EFFECTIVE DATE: means the start date and mileage as listed on the DECLARATIONS PAGE of
YOUR CONTRACT after which COVERAGE and benefits of YOUR CONTRACT will be made available to
you.

22) EXPIRATION DATE: means the end date and mileage as listed on the DECLARATIONS PAGE of
YOUR CONTRACT after which YOUR CONTRACT will expire and no additional COVERAGE and benefits
will be made available to you by US.

B. OUR Obligations

YOU are reminded this service CONTRACT is not a contract or policy of insurance. However, OUR obligations as
the provider under this service CONTRACT are backed by the full faith and credit of Infinite Auto Protection, the
OBLIGOR, located at: 10000 Wayne Rd, Romulus, MI, 48174. If WE fail to settle YOUR claim within sixty (60)
days after YOUR proof of loss has been received by US, YOU are entitled to make a direct claim against US.

C. Notice and General Consideration

BY ENTERING INTO THIS CONTRACT, YOU DO NOT WAIVE ANY WARRANTIES THAT MAY BE IMPLIED BY LAW.
OTHER RIGHTS AND REMEDIES MAY BE AVAILABLE TO YOU IF A PROBLEM CANNOT BE RESOLVED WITH US. THIS
CONTRACT MAY DUPLICATE SOME WARRANTY COVERAGE. STATE AND FEDERAL LAWS MAY PROTECT YOUR
INTERESTS AS A CONSUMER. IN RESPECT TO THE MAGNUSON-MOSS WARRANTY ACT, THE CONTENTS OF THIS
CONTRACT SHOULD BE INTERPRETED AND UNDERSTOOD TO MEAN A “SERVICE CONTRACT” AS USED THEREIN.
THIS CONTRACT IS NOT:

1) AN AUTOMOBILE LIABILITY OR PHYSICAL DAMAGE INSURANCE CONTRACT OR POLICY;

2) A MECHANICAL BREAKDOWN INSURANCE CONTRACT OR POLICY;

3) AN INSURANCE CONTRACT OR POLICY OF ANY KIND; OR

4) AN EXPRESS, IMPLIED, GENERAL OR EXTENSION OF A WARRANTY

D.Coverage Description
YOUR CONTRACT PERIOD begins on the EFFECTIVE DATE and ends on the EXPIRATION DATE or when the
VEHICLE’s Odometer indicates the VEHICLE has reached the EXPIRATION MILEAGE limit, whichever occurs first.
The EFFECTIVE DATE, EXPIRATION DATE and EXPIRATION MILEAGE are indicated on the DECLARATIONS PAGE.
WE will arrange for the repair or replacement of COVERED PARTS, as provided below, or pay the REPAIR COST
for repair or replacement due to a MECHANICAL BREAKDOWN or FAILURE during the COVERAGE PERIOD. OUR
aggregate limit of liability under this CONTRACT for REPAIR COST or for any other purpose is the lesser of the
amount YOU paid for the VEHICLE or the reasonable trade in value of the VEHICLE based on its actual condition
at the time YOU purchased this CONTRACT. OUR limit of liability under this CONTRACT for REPAIR COST for a
single repair visit is the reasonable trade in value of the VEHICLE based on its actual condition at the time YOU
seek a repair under this CONTRACT. For purposes of this section, WE calculate reasonable trade in value using
the applicable NADA Office Used Car Guide as “average trade-in” value of the VEHICLE for the date and
condition in issue.

The components and parts listed below are covered under this CONTRACT:

1) Gasoline/Diesel Engine: Cylinder block, cylinder head(s) if damage by internally lubricated parts.
DocuSign Envelope ID:

All internally lubricated parts including: pistons, piston rings and pins, crankshaft and main
bearings, connecting rods and rod bearings, camshaft and bearings, pushrods, rocker arms, valves,
valve springs, seats and guides, lifters, followers, oil pump, timing chain, timing gear. Valve covers,
timing cover, and oil pan if damaged by internally lubricated parts; vacuum pump, Seals and
gaskets;

2) Transmission: All internally lubricated parts , torque converter, vacuum modulator. Transmission
case, transfer case, transmission pan if damage by internally lubricated parts. Seals and gaskets.
Does not include the following manual transmission components: Clutch Friction, Clutch disc and
pressure plate, throw out bearing, pilot bearing, clutch master cylinder, slave cylinder, manual and
hydraulic linkages;

3) 4x4/AWD: Transfer Case including: Drive Chain, Drive Chain Gears, Planetary Gears, Ring Shift
Forks, Bearing, Bushing, Oil Pump Output Shaft, Main Shaft Washers and all other internal lubricated
parts, Seals and gaskets;

4) Drive Axle: Housing(s) and cover if damage by internally lubricated parts. All internally lubricated
parts including: axle shafts, universal joints and yokes, constant velocity shaft or joint or both, drive
shaft center bearings, supports, propeller shafts, locking hub mechanisms;

5) Super/Turbo Charger: All internal parts; Housing is covered if damaged by the failure of an
internally lubricated moving part, Seals and gaskets;

6) Electrical: Alternator, voltage regulator, starter motor, starter solenoid, distributor;

7) Cooling: Radiator, radiator fan blade and motor, fan clutch, water pump, Seals and gaskets;

8) Brakes: Non - ABS master cylinder, power booster, calipers, wheel cylinders; proportioning valve,
backing plates, springs, clips and retainers, self-adjusters, parking brake linkage and cables, Seals
and gaskets;

9) ABS-Brakes: Wheel Speed Sensors, Hydraulic Pump/Motor Assembly, Pressure Modulator Valve/
Isolation Dump Valve, Accumulator, Seals and gaskets, A.B.S. Master Cylinder, Hydro Boost and
Electronic Control Processor, Seals and gaskets;

10) Differential Assembly: (Front and Rear) Differential Housing (if damaged by internally lubricated
parts), Axle Shaft, Ring and Pinion, Bearings, Bushings, Washers, all other internal parts contained
with the differential assembly, Seals and gaskets;

11) Steering: Steering box and rack and pinion unit and all their internal lubricated parts including:
power steering pump and cylinder, main and intermediate steering shafts and couplings; pitman
arm, idler arm, tie rod ends and drag link, seals and gaskets;

12) Fuel: Fuel pump, metal fuel injection lines/rails, metal fuel internally lubricated parts including:
waste-gate, vanes, shafts and bearings, seals and gaskets;

13) Heater and Air Conditioning: Condenser, compressor, compressor clutch, field coil, accumulator,
A/C high/low pressure compressor cutoff switches and blower motor, Seals and gaskets;

14) Front Suspension: Upper and lower control arms, control arm shafts and bushings, spindle
supports, stabilizer shaft, stabilizer linkage, bushings, ball joints, spindles, wheel hubs and bearings,
Seals and gaskets;

15) Rear Suspension: Upper and lower control arms, control arm shafts and bushings, spindle
supports, stabilizer shaft, stabilizer linkage, bushings, ball joints, spindles, wheel hubs and bearings,
Seals and gaskets; and

16) Hi-Tech: Temperature control programmer, ignition management controls(including modules and
sensors), ignition coils, fuel injectors, wiper motor(s), power window motors, power door lock
actuators, automatic temperature control, power antenna, electronic level control compressor,
window regulator, transmission control module, powertrain control module, valve body, shift
solenoids, power window switches, door lock switches, ride height sensors, ambient temperature
sensors, horn, crankshaft position sensor, factory installed bluetooth systems, factory installed GPS
navigation module, factory installed front and rear monitoring cameras, convertible top motor,
sunroof motor, keyless entry module;
DocuSign Envelope ID:

E. Additional Benefits

The following ADDITIONAL BENEFITS for YOUR covered VEHICLE are provided with YOUR CONTRACT, except
where prohibited by law. These benefits do not apply during the WAITING PERIOD:

1) ROADSIDE ASSISTANCE: YOUR CONTRACT provides YOU the following additional services, if YOUR
VEHICLE is disabled, in the form of reimbursement for up to a maximum of:

i. One hundred dollars ($100.00) per occurrence for towing to the nearest repair facility,

acceptable to US, if required as a result of a MECHANICAL BREAKDOWN; and

ii. Fifty dollars ($50.00) per day, for up to three days, for emergency trip interruption

reimbursement, when you are more than 100 miles from your home; and

iii. One flat tire change using YOUR good spare tire per year; and

iv. Forty dollars ($40.00) for a battery boost or jump start, or toward the delivery charge

to have fuel purchased by you delivered to your VEHICLE; and

v. Up to twenty dollars ($20.00) for lockout assistance.

Services may vary to conform to the laws of YOUR state. No deductible applies to the
provision of a Road Side Service.

2) Rental Car Reimbursement is provided to YOU under YOUR CONTRACT If YOU require alternate
transportation due to a covered MECHANCIAL BREAKDOWN. This CONTRACT provides
reimbursement for the expense of a rental car up to thirty five ($35.00) per day, to a maximum of 6
days and a total of two hundred ten dollars ($210.00) per MECHANCIAL BREAKDOWN. Rental car
reimbursement is based on a recognized industry flat rate time required to repair YOUR VEHICLE
according to the following criteria:

i. If the repair time required is a minimum of six hours, we will allow a one day car rental

and reimburse YOU a maximum of thirty five ($35.00) for that rental;

ii. If the repair time required is a minimum of twelve hours, we will allow a two day car

rental and reimburse YOU a maximum of seventy dollars ($70.00) for that rental;

iii. If the repair time required is more than sixteen hours, we will allow a three day car

rental and reimburse YOU a maximum of one hundred five dollars (105.00) for that rental;

iv. If the repair time required is more than twenty hours, we will allow a three day car

rental and reimburse YOU a maximum of one hundred forty dollars (140.00) for that rental;

v. If the repair time required is more than twenty four hours, we will allow a three day car

rental and reimburse YOU a maximum of one hundred seventy five dollars (175.00) for that
rental; and

vi. If the repair time required is more than twenty eight hours, we will allow a three day

car rental and reimburse YOU a maximum of two hundred ten dollars (210.00) for that rental;

Rental car reimbursement is valid only for expenses actually incurred from the date of the
BREAKDOWN until the date repairs are completed. Rental car reimbursement does not include any
expense for items such as MILEAGE, GASOLINE, MAINTENANCE, INSURANCE OR COLLISION DAMAGE
WAIVER CHARGES, OR OIL CHANGES. No DEDUCTIBLE applies to the provision of Rental Car
Reimbursement.

F. Exclusions – The following items are not covered by this

CONTRACT:

1) REPAIRS PERFORMED OUTSIDE THE UNITED STATES OR CANADA.

2) REPAIRS PROHIBITED BY A FEDERAL, STATE OR LOCAL LAW, REGULATION, OTHER AUTHORITY OR

AGENCY.

3) ANY WORK PERFORMED TO IMPROVE COMPRESSION OR REDUCE OIL OR FUEL CONSUMPTION, OR

OTHER WORK WHEN A BREAKDOWN HAS NOT OCCURRED.
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4) ANY REPAIR IF A NON-AUTHORIZED PERFORMANCE PART OR EQUIPMENT CAUSED OR

CONTRIBUTED TO THE BREAKDOWN.

5) ANY REPAIR OF AIRBAG(S) DEPLOYED DUE TO COLLISION. YOU SHOULD CONTACT YOUR DEALER
IMMEDIATELY IF YOU BELIEVE THERE IS A DEFECT IN THESE PARTS.

6) EXPENSES FOR ANY MAINTENANCE SERVICE SPECIFIED IN YOUR OWNER’S MANUAL; FUELS,
FLUIDS, LUBRICANTS, ALIGNMENTS OR ADJUSTMENTS; IMPROPER REPAIRS, ADJUSTMENTS, OR
SERVICING BY ANY REPAIR FACILITY, INDIVIDUAL OR YOU.

7) LEAKING SEALS AND GASKETS AS “STAND ALONE” REPAIRS ARE NOT COVERED. SEALS AND
GASKETS ARE COVERED IN CONJUNCTION WITH THE AUTHORIZED REPAIR OR REPLACEMENT OF A
COVERED PART.

8) ANY CONSEQUENTIAL OR INCIDENTAL PECUNIARY OR SECONDARY DAMAGES, INCLUDING BUT NOT

LIMITED TO: LOSS OF USE OF THE VEHICLE, LOSS OF TIME, INCONVENIENCE, LOST REVENUE,
FAILURE TO REALIZE EXPECTED SAVINGS, OR ANY OTHER ECONOMIC LOSS OF ANY KIND.

9) PARTS NOT AUTHORIZED BY THE MANUFACTURER. SUCH PARTS INCLUDE BUT NOT LIMITED TO
NON-FACTORY OR AFTERMARKET PERFORMANCE PARTS OR EQUIPMENT, AND ANY NON-FACTORY
TYPE OF SECURITY, STEREO, AUDIO, TELEVISION, SATELLITE, TELEPHONE OR ENTERTAINMENT
SYSTEM, EQUIPMENT OR PART.

10) NEGLIGENCE, ERROR, OR OMISSION ON THE PART OF ANY SERVICING DEALER, REPAIR FACILITY OR
PROVIDER OF ROAD SIDE SERVICES, OR ANY BREAKDOWN OR CONSEQUENTIAL DAMAGE TO YOUR
VEHICLE CAUSED IN WHOLE OR PART BY SUCH NEGLIGENCE, ERROR OR OMISSIONS.

11) ANY SERVICE THAT THE MANUFACTURER RECOMMENDS PURSUANT TO A RECALL ANNOUNCEMENT
OR TECHNICAL SERVICE BULLETIN THAT APPLIES TO YOUR VEHICLE, AND ANY BREAKDOWN OF AN
OTHERWISE COVERED PART IF YOU FAIL TO HAVE THE VEHICLE REPAIRED OR REPROGRAMMED
PURSUANT TO A NOTICE OF RECALL OR SERVICE BULLETIN, AND SUCH REPAIR OR
REPROGRAMMING WOULD HAVE PREVENTED THE BREAKDOWN.

12) ANY REPAIR OF A SYSTEM, ANY EQUIPMENT OR PART IF IT IS DETERMINED THAT THERE IS A
REASONABLE MECHANICAL PROBABILITY THAT THE CONDITION CAUSING THE FAILURE EXISTED
PRIOR TO OR AT THE TIME OF PURCHASE OF YOUR CONTRACT, WHETHER KNOWN OR UNKNOWN AT
THE TIME OF PURCHASE OF YOUR CONTRACT.

13) ANY FAILURE OF A COVERED PART NOT CAUSED BY A DEFECT IN A COVERED PART OR BY A DEFECT
IN THE CRAFTMANSHIP OR WORKMANSHIP OF THE FACTORY.

14) ANY REPAIR, REPLACEMENT OR REIMBURSEMENT COVERED BY ANY FACTORY OR DEALER

WARRANTY, REPAIR FACILITY GUARANTEE, OTHER SERVICE CONTRACT, OR ANY INSURANCE
COVERAGE.

15) EXPENSE FOR DIAGNOSTIC SERVICES RELATING TO

i. A NONCOVERED PART OR SYSTEM, OR

ii. A COVERED PART WHEN NO BREAKDOWN OF THAT COVERED PART HAS OCCURRED.

16) REPAIRS NEEDED IN WHOLE OR IN PART DUE TO:

i. FAILURE TO STOP DRIVING OR PROTECT YOUR VEHICLE FROM FURTHER DAMAGE

AFTER EVIDENCE OF A BREAKDOWN APPEARS (E.G., WARNING LIGHT, SMOKE);

ii. THE USE OF FUELS, OILS, FLUIDS OR LUBRICANTS OTHER THAN THOSE REQUIRED BY

YOUR OWNER’S MANUAL OR AS OTHERWISE SPECIFIED BY THE MANUFACTURER;

iii. FAILURE TO PERFORM MAINTENANCE SERVICES, OTHER NEGLIGENCE, MISUSE OR

ABUSE (E.G., OVERLOADING, RACING, COMPETITIVE DRIVING ACTIVITIES OR SNOW PLOWING),
OR FROM MODIFICATION, ALTERATION, TAMPERING, DISCONNECTION, IMPROPER TOWING,
IMPROPER ADJUSTMENTS OR SERVICING, OR USING THE VEHICLE IN ANY MANNER NOT
RECOMMENDED BY THE MANUFACTURER;

iv. ACCIDENTAL LOSS, OR EXTERNAL CAUSES SUCH AS WAR, RIOT, VANDALISM, OR

OTHER CAUSE BEYOND THE REASONABLE CONTROL OF THE PARTIES;

v. RUST, SALT, CORROSION, OVERHEATING , WATER INTRUSION/LEAKS, ACID RAIN,

CHEMICALS, TREE SAP, HAIL, FLOOD, LIGHTNING, FIRE, WINDSTORM, EARTHQUAKES OR

OTHER ENVIRONMENTAL CAUSES OR ACTS OF NATURE; (VI) VIBRATION, DETERIORATION,
DISCOLORATION, DISTORTION, DEFORMATION AND/OR FADING; OR
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vi. SLUDGE, CONTAMINATED FLUIDS, OR LUBRICANTS.

17) ANY REPAIR COST IF YOUR VEHICLE HAS BEEN USED FOR A COMMERCIAL USE OR PURPOSE,
INCLUDING BUT NOT LIMITED TO USE FOR HIRE OR FOR RENTAL, TAXI, LIMOUSINE OR SHUTTLE
SERVICE, CHERRY PICKING, DUMPING, PLOWING SNOW FOR HIRE, HAULING, PLOWING, TOWING OR
ROAD SERVICE OPERATIONS, POLICE, LAW ENFORCEMENT, FIRE, RANGER, AMBULANCE OR
EMERGENCY OR RESCUE SERVICES.

18) ANY OF THE FOLLOWING PARTS INCLUDING BUT NOT LIMITED TO, THROTTLE BODY, BATTERY,
BATTERY CABLES, SHOCK ABSORBERS, STRUTS, MANUAL TRANSMISSIONS COMPONENTS SUCH AS,
CLUTCH FRICTION, CLUTCH DISC AND PRESSURE PLATE, THROW OUT BEARING, PILOT BEARING,
CLUTCH MASTER AND SLAVE CYLINDER, MANUAL AND HYDRAULIC LINKAGES; SPARK PLUGS AND
SPARK PLUG WIRES; GLOW PLUGS; THERMOSTAT; HOSES, PIPES, LINES; NUTS, BOLTS, HARDWARE;
BELTS, PULLEYS, TUNE-UP PARTS; SAFETY RESTRAINT SYSTEMS (INCLUDING SEAT BELTS AND
AIRBAGS); ANY AND ALL FLUIDS, LUBRICANTS AND RESERVOIRS; FUSES, RELAYS, FUSE PANEL,
CIRCUIT BREAKERS; BRAKE PADS, BRAKE SHOES, BRAKE ROTORS AND DRUMS; EMISSION SYSTEMS;
GLASS; LENSES, HEAD LAMP AND PROJECTION LAMP ASSEMBLIES, SEALED BEAMS, LIGHT BULBS;
WEATHER STRIPPING,TRIM, MOLDINGS, BRIGHT METAL, CHROME, UPHOLSTERY, CARPET , ZIPPERS,
CUP HOLDERS, DASH PAD AND VENTS, SEAT FRAME, PAINT, INSIDE AND OUTSIDE ORNAMENTATION;
TELEPHONES, TELEVISION / VCR, ELECTRONIC AND SATELLITE TRANSMITTING DEVICES; AMPS,
SPEAKERS AND WIRING; INSIDE AND OUTSIDE DOOR HANDLES, MIRRORS, HINGES, LATCHES, LIFT
GATE AND HOOD SUPPORTS; HUBCAPS/WHEEL COVERS, BUMPERS, BODY SHEET METAL AND
PANELS, BODY PARTS, FRAME, STRUCTURAL BODY PARTS, HARD OR VINYL OR FABRIC CONVERTIBLE
TOPS; TIRES, WHEELS OR RIMS.

19) ANY REPAIR COST:

i. IF THE ODOMETER IS ALTERED, DISCONNECTED OR INOPERABLE SO THAT THE MILES

TRAVELED CANNOT BE ACCURATELY DETERMINED;

ii. IF THE VEHICLE’S FACTORY WARRANTY HAS BEEN VOIDED FOR ANY REASON; OR

iii. IF YOU FAIL TO PROVIDE ALL MAINTENANCE RECORDS FOR ROUTINE MAINTENANCE

RELATING TO COVERED PARTS THAT SUSTAIN A BREAKDOWN.

20) COVERED PARTS WHICH THE REPAIR FACILITY MAY RECOMMEND REPLACING BUT WHICH HAVE
NOT EXPERIENCED A BREAKDOWN AS DEFINED IN THE DEFINITIONS OF THIS CONTRACT

G.Commercial Vehicles

1) This CONTRACT may be available for certain types of COMMERCIAL VEHICLES as long as: (a) the
VEHICLE is not rated over one (1) ton payload capacity and; (b) the appropriate surcharge is paid at
time of CONTRACT purchase.

2) Only the following commercial applications are eligible for coverage under this contract: delivery,
messenger, route sales or services, inspections/examinations, maintenance or repair, gardening,
and carrying hand tools to the job site.

3) COMMERCIAL VEHICLES are required to follow all original manufacturer’s severe service scheduled
maintenance and must not exceed maximum towing/load capacities. For specific information,
consult YOUR owner’s manual or a dealer who sells the make of YOUR VEHICLE.

4) VEHICLES used in any commercial manner not provided in G.2. above are not eligible for
COVERAGE. Commercial uses not eligible for coverage include but are not limited to; taxi,
limousine, shuttle, police or other emergency use, security service or any law enforcement agency,
snow plowing, towing.

H.Vehicle Maintenance Requirements

1) This CONTRACT requires VEHICLE maintenance to be performed as follows:

i. YOU must properly maintain YOUR VEHICLE by performing maintenance services, at

the proper intervals, according to the recommendations and requirements of YOUR Owner’s
Manual or as otherwise specified by the MANUFACTURER. Failure to follow the
recommendations and requirements made by the MANUFACTURER in YOUR VEHICLE Owner’s
manual or as otherwise specified by the MANUFACTURER will result in a denial of claim.
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ii. YOU must retain all original receipts, invoices and any other MAINTENANCE RECORDS

that demonstrate all required and recommended maintenance has been performed at proper
intervals. WE may request that YOU produce MAINTENANCE RECORDS and may deny
coverage if YOU fail to produce MAINTENANCE RECORDS that confirm that maintenance has
been performed at proper intervals regarding YOUR VEHICLE. Handwritten receipts will not be
accepted by US.

iii. Coverage will be denied if YOU fail to perform maintenance services at proper

intervals, or otherwise fail to properly maintain YOUR VEHICLE.

iv. YOU must retain all original documents that demonstrate the amount YOU paid to

purchase YOUR VEHICLE

v. COVERAGE may be denied if YOU fail to perform maintenance service at a licensed

REPAIR FACILITY.

I. In the Event of a Mechanical Breakdown or Failure

1) A claim must be initiated by YOU. YOUR repair facility may not start a claim on YOUR behalf. Prior
to going to the repair facility, YOU must call US at 1-888-734-7392 to start a claim. Once YOU have
started YOUR claim with US you may take YOUR vehicle to the repair facility of YOUR choice.

i. If you incur a MECHANICAL BREAKDOWN:

1. YOU must take YOUR VEHICLE to a repair facility in the UNITED STATES which has an
ASE licensed mechanic capable of and appropriate equipment for diagnosing and
repairing your vehicle. If you are traveling in Canada, take YOUR VEHICLE to the nearest
REPAIR FACILITY in the UNITED STATES or Canada which has an automotive professional
capable of and appropriate equipment for diagnosing and repairing YOUR VEHICLE. In
either instance, and in the event of an emergency when neither of the foregoing options
is possible, YOU AND YOUR REPAIR FACILITY MUST OBTAIN PRIOR
AUTHORIZATION FROM US, BY CALLING TOLL FREE 1-888-734-7392, BEFORE
INCURRING ANY REPAIR COSTS.

2. YOU must authorize the repair facility to tear down YOUR VEHICLE or to diagnose a
problem.

3. WE reserve the right to inspect YOUR VEHICLE to gather diagnostic or other necessary
information regarding any claim. At OUR discretion, WE may move or tow YOUR
VEHICLE to another REPAIR FACILITY, at no expense to YOU, in order to inspect YOUR
VEHICLE for these purposes.

4. YOU must pay any applicable DEDUCTBILE to the authorized repair facility.

2) In the event that road side assistance is needed, please contact US at 1-888-734-7392 to get
authorization to utilize the road side assistance benefits under YOUR CONTRACT.

J. Coverage Period

The start and end date and mileage of the coverage of this CONTRACT as listed on the DECLARATIONS PAGE of
YOUR CONTRACT. No COVERAGE or benefits will be extended to YOU or YOUR VEHICLE outside of the coverage
period.

K. Territory

This CONTRACT applies only to a MECHANICAL BREAKDOWN or FAILURE occurring within the United States of
America, Puerto Rico and Canada. This CONTRACT may not be made available to residents of the following
states: Missouri, Nevada and Washington.

L. Limitation of Liability

1) The aggregate limit of liability of all claims and benefits payable under this CONTRACT shall never
exceed the Actual Cash Value (ACV) of the Vehicle as indicated in the then current NADA Official
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Used Car Guide as “average trade-in” value at the time immediately preceding the Mechanical
Breakdown or Failure, taking age, mileage and condition into consideration and excluding tag, tax
and licensing fees whichever is greater.

2) Liability shall be limited to the reasonable price for repair or replacement of any COVERED PART
and the reasonable amount of LABOR HOURS. Parts replacement may include new parts, or parts of
like kind and quality, which may include used parts, after-market parts or remanufactured parts, as
customarily used in the automobile industry.

3) YOU will be responsible for the cost of all repairs that exceed the aggregate limit of liability under
this CONTRACT.

4) The ADMINISTRATOR shall not be required to authorize or pay for any repair amounts if all needed
or covered repairs are not performed on YOUR VEHICLE.

5) The ADMINISTRATOR shall not be liable to YOU for consequential damages or injuries, nor for any
costs or expenses that provide betterment, upgrade, or enhancement to YOU or YOUR VEHICLE.

6) This limit of liability applies regardless of the cause and regardless of the legal theory asserted.

7) There are no warranties that extend beyond the description on the face hereof. The warranties of
merchantability and fitness for a particular purpose are expressly excluded and disclaimed.

M. Transfer of Contract

1) This CONTRACT may only be transferred by the original CONTRACT purchaser.

2) The Original CONTRACT purchaser must contact US and submit all of the following information
and documentation at the time of the transfer request in order for the transfer to take place:

i. A fifty dollars ($50.00) administrative processing fee to be made payable to US either

by check, electronic check, credit or debit card; and

ii. A copy of proper documentation evidencing change of ownership and mileage at the

date of sale, including a notarized bill of sale signed by both parties;

3) This CONTRACT may be transferred to another vehicle under the following circumstances

i. The new vehicle has been approved by the ADMINISTRATOR; and

ii. The new vehicle has been determined by the ADMINISTRATOR to be within the same

class as the VEHICLE; and

iii. Any additional fees determined by the ADMINISTRATOR at the time of the request of

transfer have been agreed to be paid by YOU;

4) This CONTRACT may be transferred to a different private owner of the same VEHICLE;

5) The VEHICLE or different vehicle may be subject to inspection at OUR discretion and OUR expense
and transfer must take place within thirty (30) days of change of VEHICLE ownership or VEHICLE;

6) YOU may not transfer this CONTRACT to a commercial business, a vehicle dealer, or a customer of
a vehicle dealer, nor may this CONTRACT be transferred to a commercial use application user;

7) In the event that the transfer is to a new owner of the same VEHICLE all remaining underlying
warranties or guarantees must be transferred to a new owner;

8) The new CONTRACT holder or new VEHICLE will be bound by the full terms of this CONTRACT;

9) If the original owner / first retail purchaser’s full warranty does not transfer to the subsequent
owner, this CONTRACT COVERAGE will not apply to any MECHANICAL BREAKDOWN or FAILURE that
would have been covered for the original owner / first retail purchaser under the manufacturer’s
original owner / first retail purchaser full warranty.

N. Cancellation

1) YOU may cancel YOUR CONTRACT:

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i. Within thirty (30) days following the commencement of the CONTRACT period, YOU

may cancel this CONTRACT and receive a full purchase price refund, if no services have been
rendered to or on behalf of YOU. If services have already been rendered under this CONTRACT
to or on behalf of YOU, including the filing of a pre-existing claim, the refund will be the lesser
amount calculated as:

1. A time pro-rated amount, based upon the time expired since the CONTRACT was
purchased

2. A mileage pro-rated amount, based upon the number of miles the VEHICLE has been
driven since YOU purchased the CONTRACT.

ii. After thirty (30) days following the commencement of the CONTRACT period, YOU may

cancel this CONTRACT. The refund will be the lesser amount calculated as:

1. A time pro-rated amount, based upon the time expired since the CONTRACT was
purchased and less any claim payments, reimbursement or service rendered to or on
behalf of you during the CONTRACT period.

2. A mileage pro-rated amount, based upon the number of miles the VEHICLE has been
driven since YOU purchased the CONTRACT and less any claim payments,
reimbursement or service rendered to or on behalf of you during the CONTRACT period.

iii. ALL CANCELLATION REFUNDS AFTER THIRTY (30) DAYS ARE SUBJECT TO A $25

PROCESSING FEE.

2) WE may cancel this CONTRACT at any time if:

i. YOU fail to timely pay any part of the CONTRACT purchase price

ii. YOU made a material misrepresentation or substantially breached YOUR duties under

this CONTRACT relating to the VEHICLE or its use

iii. The VEHICLE has been sold or traded or repossessed, unless this CONTRACT has been

transferred in accordance with section Transfer of Contract

iv. The VEHICLE identification number no longer can be read or has been altered

v. WE cannot determine the true mileage of the VEHICLE due to replacement,

alterations, disconnection or failure of the Odometer

vi. The VEHICLE has been declared a total loss or sold for salvage purposes

vii. The VEHICLE has been modified for or used in any competitive events or used for a

COMMERCIAL USE or PURPOSE.

3) If WE cancel this Contract, WE will refund to you or the Lender, as applicable, the lesser of:

i. A time pro-rated amount, based upon the time expired since the CONTRACT was

purchased

ii. A mileage pro-rated amount, based upon the number of miles the VEHICLE has been

driven since YOU purchased the CONTRACT.

4) If YOU are entitled to a refund under this CONTRACT, WE will pay the refund to YOU if YOUR
purchase of this CONTRACT was not financed. If YOU financed YOUR purchase of this CONTRACT
with a Lender, WE will issue a cancellation refund directly to that Lender unless YOU present to US
written confirmation that YOU have paid the Lender in full all sums due under the Finance
Agreement and the Lender has discharged all liens it had in respect to the Finance Agreement. YOU
acknowledge that OUR payment of a cancellation refund to a Lender in respect to a Finance
Agreement regarding the VEHICLE constitutes payment to YOU and YOU have no claim against US in
respect to such payment. In the event of repossession or total loss of the VEHICLE, the LENDER may
cancel this CONTRACT. The provisions of YOUR CONTRACT’s cancellation section apply to all
cancellation requests. No other rights or benefits under this CONTRACT transfer to the LENDER. A
CONTRACT holder who obtains this CONTRACT through a Transfer is not eligible to request or
receive a cancellation refund. SHOULD YOU OR WE CANCEL THIS CONTRACT, THIS CONTRACT
SHALL TERMINATE IF WE ISSUE A REFUND TO YOU OR THE LENDER AND NO COVERAGE CAN BE
REINSTATED FOR YOU.

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O. Subrogation:

In the event that WE pay any reimbursement or expense to YOU or for YOUR benefit in respect to
services YOU obtained under the CONTRACT, WE shall be subrogated to all of the rights, claims and
interest which YOU may have against any person or legal entity liable or responsible for the loss or
incident in issue, to the extent of the amount paid or expense incurred by US. YOU agree to execute
any documents WE require YOU to sign under this section Other Terms and avoid doing anything
that would impair OUR rights. In respect to these benefits, YOU authorize US to sue, compromise, or
settle in OUR name or YOUR name, or otherwise, all such claims, and you hereby agree that WE
shall be fully substituted in your place and subrogated to all of your rights on account thereof. YOU
agree to pay to US any amounts YOU recover that relate to benefits WE provided hereunder and
agree that those amounts belong to US.

P. Arbitration

The parties agree that any dispute, claim or controversy (a “Dispute”) that may arise out of or relate to this
Contract in any manner, including but not limited to a claim by You for breach of Contract, shall be resolved
through binding Arbitration. Either party may make a written demand to the other party for Arbitration after we
have attempted to resolve a Dispute through good faith negotiations for a period of 60 days. Arbitration will
take place before a single arbitrator who is mutually acceptable to both parties and holds a certification
recognized by the courts in the jurisdiction where the Arbitration will take place as to having been trained as an
Arbitrator. If YOU and WE cannot agree, either side may ask a court of competent jurisdiction to select the
arbitrator. YOU may select the location of the Arbitration provided that it is in the County or the judicial district
that includes YOUR address listed in this Contract, or is in Wayne County, Michigan. WE may transfer the
arbitration to Romulus County, Michigan provided that the arbitration is conducted without the parties
appearing in person. The Federal Arbitration Act (the “FAA”), 91 U.S.C. 91 et seq. (and not any state or local
laws) will govern the Arbitration. The decision of the Arbitrator will be final and binding on the parties, except
for any right of appeal under the FAA. YOU understand and agree that because the parties have agreed to
resolve disputes by binding Arbitration, YOU do not have the right to go to court to resolve a Dispute. However,
an Arbitration award may be entered in any court with jurisdiction over the other party. In the event this
Arbitration provision is not enforceable in YOUR state, the parties agree to waive and forever give up the right
to a trial by jury, which means that in the event of a lawsuit between the parties, the Dispute will be decided by
a judge alone. CLASS ACTION WAIVER. YOU agree that any Arbitration or court proceeding involving a Dispute
will only consider and determine YOUR individual claims, and will not be conducted as a class action or on
representative basis, even if YOU are not a named party.

Q. Individual State Variance Requirements

If YOU purchased this CONTRACT in the state listed below, the following additional information applies to YOUR
CONTRACT.

1) Alabama
If YOU are a resident of the state of Alabama, the following terms apply to your CONTRACT:

i. The administrative cancel fee is $25.00. The $25.00 administrative fee to cancel YOUR

CONTRACT will be waived if YOUR CONTRACT is cancelled by the ADMINISTRATOR.

2) Arkansas
If YOU are a resident of the state of Arkansas, the following terms apply to your CONTRACT:

i. To the Arbitration Section, is added: Arbitration is voluntary and non-binding per Ark.

Code Ann. 23-79- 203(a)

ii. The Cancellation Section is amended to: The administrative processing fee to cancel

YOUR CONTRACT is $50.00. In the event of cancellation of this CONTRACT within the first
thirty (30) days, YOU are entitled to a full refund, less the administrative processing fee. After
the first thirty (30) days, the cancellation refund will be calculated on a pro rata basis and
YOU will receive the lesser of the unused portion of the days or mileage that the CONTRACT
has been in effect, compared to the term stated on the CONTRACT, less the administrative
processing fee.

iii. The subrogation section is amended to include: The insurer is entitled to recovery only

after the insured has been fully compensated for the loss sustained.

3) Arizona
If YOU are a resident of the state of Arizona, the following terms apply to your CONTRACT:
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4) Connecticut
If YOU are a resident of the state of Connecticut, the following terms apply to your CONTRACT:

i. The following is added to the Arbitration section: A written complaint may be mailed

to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn.
Consumer Affairs. The written complaint must contain a description of YOUR dispute, the
CONTRACT purchase price, the cost of the VEHICLE repair and a copy of this CONTRACT.

ii. In the event this CONTRACT expires by miles within one year of the CONTRACT

effective date, the CONTRACT term will be extended by the number of days the VEHICLE was
being serviced for an AUTHORIZED COVERED REPAIR.

5) Georgia
If YOU are a resident of the state of Georgia, the following terms apply to your CONTRACT:

i. The obligor can only cancel for fraud, material misrepresentation or nonpayment with

a 30 day written notice (10 day written notice for nonpayment); Refunds must be issued on
100% of the unearned pro-rata contract price.

ii. Claims paid cannot be deducted from any refund regardless of who cancels the

contract.

iii. The 30 day/1000 mile waiting period is not included in the coverage term of this

CONTRACT; the coverage term of the CONTRACT begins after 30 days/1000 mile exclusionary
period.

iv. Pre-existing conditions are only excluded if the condition was known to the contact

holder. Any defect in the part(s) covered by this agreement existing on the date this
agreement was purchased and known to you is not covered. Sludge and sludge build up are
not excluded under this CONTRACT.

v. Modifications and alterations are only excluded under this CONTRACT if made by the

contract holder.

vi. The Arbitration section is not applicable in Georgia.

6) Illinois
If YOU are a resident of the state of Illinois, the following terms apply to your CONTRACT:

i. The cancellation fee is ten percent (10%) of the service CONTRACT price not to

exceed fifty dollars ($50.00).

ii. Subtraction of services received by customer will only apply to cancellations not fully

refunded.

iii. FAILURE caused by normal wear and tear of a COVERED PART is covered by YOUR

CONTRACT in accordance with section A.5, A.8 and E. of YOUR CONTRACT.

7) Indiana
If YOU are a resident of the state of Indiana, the following terms apply to your CONTRACT:

i. CONTRACT purchaser’s proof of payment to the CONTRACT seller or SERVICE

CONTRACT PROVIDER constitutes proof of payment to the insurance company which

guarantees OUR obligations to YOU.

ii. Pre-existing conditions are only excluded if the condition was known to the contract

holder.

iii. The Arbitration section is amended to: Arbitration would take place under the laws of

the State of Indiana Uniform Arbitration Act IC 34-57-2 and is held in YOUR County or any
other county in Indiana agreed to by both YOU and US. YOU may access the complete State of
Indiana Uniform Arbitration Act at http://www.in.gov/legislative/ic/code/.

8) Iowa
If YOU are a resident of the state of Iowa, the following terms apply to your CONTRACT:

i. YOU may have additional rights under Iowa Consumer Credit Code, Chapter 537. The

Iowa Insurance Commissioner may be contacted at the Iowa Securities Bureau, 340 Maple
Street, Des Moines, IA 50319- 0066, Telephone: (515) 281-5705.

9) Louisiana
If YOU are a resident of the state of Louisiana, the following terms apply to your CONTRACT:
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i. The administrative processing fee to cancel YOUR CONTRACT is $50.00.

ii. In the event of cancellation of this CONTRACT within the first thirty (30) days, YOU are

entitled to a full refund, less the administrative processing fee. After the first thirty (30) days,
the cancellation refund will be calculated on a pro-rata basis and YOU will receive the lesser of
the unused portion of the days or mileage that the CONTRACT has been in effect, compared
to the term stated on the CONTRACT, less the administrative processing fee.

iii. In calculating any refund, no deduction shall be allowed for any claim that has been

paid under the contract.

10) Mississippi
If YOU are a resident of the state of Mississippi, the following terms apply to your CONTRACT:

i. The Arbitration Section is changed to include: “Once the decision of the arbitrators is

rendered, it is not binding on any party, and does not waive the rights of any party to then
pursue the dispute in a court of law. IF YOU DO NOT AGREE WITH THIS ARBITRATION SECTION,
YOU HAVE FIVE (5) DAYS FROM THE DATE OF CONTRACT DELIVERY TO CANCEL THE
CONTRACT.”

11) Nebraska
If YOU are a resident of the state of Nebraska, the following terms apply to your CONTRACT:

i. Dispute resolution through arbitration is voluntary in Nebraska.

12) New Hampshire

If YOU are a resident of the state of New Hampshire, the following terms apply to your CONTRACT:

i. In the event YOU do not receive satisfaction under this CONTRACT, YOU may contact

the New Hampshire Insurance Department at 21 S. Fruit Street, Suite 14, Concord, NH 03301
(Phone 603-271- 2261).

ii. The Arbitration section is amended to include the following: Arbitration shall only be

required upon mutual agreement by Us and YOU to submit any controversy or claim arising
out of or relating to this Contract, or a breach hereof, to binding arbitration at the time of such
controversy or claim and shall take place in Your county of residence or other mutually agreed
upon location in New Hampshire.

13) North Carolina

If YOU are a resident of the state of North Carolina, the following terms apply to your CONTRACT:

i. The ADMINISTRATOR cannot cancel this CONTRACT except for non-payment of

CONTRACT price or for direct violation of the CONTRACT by YOU where this CONTRACT states
that violation will subject this CONTRACT to cancellation.

ii. The cancellation fee is twenty-five ($25.00) or ten percent (10%) of the pro rata

refund amount, whichever is less, not to exceed 10% of the pro rata refund.

14) Oklahoma
If YOU are a resident of the state of Oklahoma, the following terms apply to your CONTRACT:

i. Oklahoma service warranty Statutes do not apply to commercial use references in this

CONTRACT per 36 O.S. 6602.

ii. Coverage afforded under this CONTRACT is not guaranteed by the Oklahoma

Insurance Guaranty Association. THIS CONTRACT IS NOT ISSUED BY THE MANUFACTURER OR
WHOLESALE COMPANY MARKETING THE PRODUCT. THIS CONTRACT WILL NOT BE HONORED
BY SUCH MANUFACTURER OR WHOLESALE COMPANY. This is not an Insurance Contract.

iii. The CONTRACT’s cancellation language is replaced in its entirety with the following:

1. YOU may cancel this CONTRACT by contacting the ADMINISTRATOR in writing and by
submitting a request to cancel the CONTRACT and a Federal Odometer Statement or
notarized affidavit verifying mileage at the time of request. YOU may cancel this
contract for any reason at any time. In the event YOU cancel this CONTRACT within the
first thirty (30) days after the receipt of this contract and no claim has been authorized
or paid, YOU are entitled to a full refund. If YOU cancel after the first thirty (30) days
after the receipt of this contract or have made a claim within the first thirty (30) days
after the receipt of this contract, YOU shall receive a refund of one hundred percent
(100%) of the unearned pro rata premium less ten percent (10%) of the unearned pro
rata premium or fifty dollars ($50.00), whichever is less and less the actual cost of any
service provided under YOUR CONTRACT.
DocuSign Envelope ID:

2. The ADMINISTRATOR may cancel this CONTRACT for non-payment of the CONTRACT
purchase price, for misrepresentation in obtaining this CONTRACT, misrepresentation in
the submission of a claim, or if YOUR VEHICLE is found to be modified in a manner not
recommended by the VEHICLE manufacturer. In the event the contract is canceled by
the ADMINISTRATOR, return of premium shall be based upon one hundred percent
(100%) of unearned pro rata premium, less the actual cost of any service provided
under the service CONTRACT.

3. All cancellations for CONTRACTS that have been financed will be paid to the finance
company listed on the DECLARATIONS PAGE of this CONTRACT, unless the CONTRACT
has been paid in full.

iv. Section D.2. v is replaced with the following:

1. WHEN THE MANUFACTURER’S NEW VEHICLE WARRANTY HAS BEEN DETERMINED NULL
AND VOIDABLE BY THE MANUFACTURER.

v. The Arbitration section is amended to include: While arbitration is mandatory, the

outcome of any arbitration shall be non-binding on the parties, and either party shall,
following arbitration, have the right to reject the arbitration award and bring suit in a district
court.

15) South Carolina

If YOU are a resident of the state of South Carolina, the following terms apply to your CONTRACT:

i. A ten percent penalty per month shall be added to a refund that is not paid or credited

within forty-five (45) days after return of the service contract to the provider.

ii. Questions or complaints may also be addressed to: South Carolina Department of

Insurance, Capital Center, 1201 Main Street, Ste. 1000 Columbia, SC 29201 or by phone 803-
737-6160.

iii. Also see the Arbitration section of this CONTRACT.

16) Utah
If YOU are a resident of the state of Utah, the following terms apply to your CONTRACT:

i. Section F. 11. is amended to include: Failure to file a claim within the time limit does

not invalidate a claim if the CONTRACT HOLDER shows it was not reasonably possible to file
within the listed time limit (U.C.A. 31A-21-312). Reimbursement for emergency repairs
performed outside of normal business hours can be obtained by the CONTRACT HOLDER only
if the CONTRACT HOLDER contacts US to file a claim within a reasonable timeframe after such
emergency repairs are performed. Section F. 11. a. FAILURE must prevent safely operating
YOUR vehicle and F. 11. d. emergency repair limit are not applicable in Utah.

ii. The Arbitration section is changed to read: In the event of any dispute concerning the

interpretation of this CONTRACT by US and/or the OBLIGOR, it shall be resolved by arbitration
in accordance with the rules of the Better Business Bureau (“BBB”). If YOU want a disputed
matter to be resolved by the BBB, YOU must notify US or the OBLIGOR. 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 JUDGEMENT IN ANY COURT OF
PROPER JURISDICTION.

iii. The Cancellation section is amended to include the following:

1. A statement that includes the reason for cancellation by the SERVICE CONTRACT
PROVIDER/OBLIGOR shall be provided.

2. If YOUR CONTRACT has been in effect for at least 60 days, the SERVICE CONTRACT
PROVIDER/OBLIGOR may cancel this CONTRACT before the expiration of the agreed
TERM if: (a) YOU fail to pay an amount when due; (b) Discovery of fraud or
misrepresentation by YOU in obtaining this CONTRACT or in presenting a claim for
service thereunder; (c) Discovery of an act or omission by YOU or a violation by YOU of
any substantial condition of this contract. Any outstanding balance due may be
deducted from YOUR unearned pro rata refund. Cancellation by US for YOUR non-
payment will be effective 10 days after delivery of OUR written notice to YOU, and 30
days after written notice for all other reasons for cancellation by US. OUR reason for
cancellation of YOUR CONTRACT shall be included in the cancellation notice. Per Utah
Code Ann. §31A-6a-104-(4), the definition of an emergency repair is anything outside
DocuSign Envelope ID:

normal business hours.

iv. The CONTRACT HOLDER may pay for this CONTRACT in full at the time of purchase, or

if YOU qualify, financing the CONTRACT may be available. If YOU decide to finance this
CONTRACT the finance company is responsible for disclosing the payment terms of this
CONTRACT agreed to by YOU.

v. 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.

17) Wisconsin
If YOU are a resident of the state of Wisconsin, the following terms apply to your CONTRACT:

i. Claims may not be denied solely because the contract holder did not obtain

preauthorization within a reasonable time frame. This warranty is subject to limited regulation
by the office of the commissioner of insurance.

ii. YOU may, within 15 days of the delivery of the CONTRACT, reject and return the

CONTRACT for a full refund less actual costs or charges needed to issue and service the
CONTRACT.

iii. The Limitations of Liability Section is amended to exclude the following: "The

ADMINISTRATOR does not assume, and specifically disclaims any liability to YOU for benefits
provided herein. The liability of the ADMINISTRATOR is only to the CONTRACTOR in accord
with their separate agreement."

iv. The Subrogation Section is replaced with the following: If YOU receive any benefits

under this CONTRACT, WE will be entitled to all YOUR rights of recovery against any
manufacturer, repairer or other party who may be responsible to YOU for the costs covered by
this CONTRACT or for any other payment made by US, but only after YOU have been made
whole for YOUR loss (i.e. YOU have been fully compensated for YOUR damages).

v. The Arbitration Section is amended to: In the event of any dispute concerning the

interpretation of this CONTRACT between YOU and the ADMINISTRATOR, YOU understand that
it may, at YOUR option, be resolved by arbitration in accordance with the Arbitration Rules of
the Better Business Bureau (“BBB”). If YOU want a disputed matter to be resolved by BBB,
YOU must notify the ADMINISTRATOR in writing within sixty (60) days of the ADMINISTRATOR’S
final decision. YOU are not bound to the Arbitration proceedings outlined in the CONTRACT.
Arbitration has to be agreed to by both parties. This CONTRACT does not disallow
participating in court proceedings.

vi. The Cancellation Section is amended to: Claims will not be deducted from any refund

to the CONTRACT HOLDER.

18) Wyoming
If YOU are a resident of the state of Wyoming, the following terms apply to your CONTRACT:

i. The Arbitration section is replaced with: In the event of any dispute concerning the

interpretation of this CONTRACT by US and/or the ADMINISTRATOR, arbitration will be

conducted in accordance with the Wyoming Arbitration Act. Mandatory arbitration by which
the service contract holder is required to arbitrate any claim in the event of disagreement
with the service contract provider is prohibited. Results of arbitration are not binding on the
parties without the right of appeal unless the parties themselves agree to be so bound by a
separate agreement. Any arbitration proceedings shall be conducted within the state of
Wyoming.

ii. The Cancellation section is amended to include:

1. You (the original CONTRACT HOLDER) may cancel this CONTRACT by contacting the
ADMINISTRATOR in writing and by submitting the following documents:

a. The original CONTRACT and a Federal Odometer Statement or notarized affidavit

verifying mileage at the time of request.

b. If lien has been paid, supply discharge of lien from lien holder.

c. If repossessed, supply a copy of the repossession documents.

d. If totaled, supply a copy of the insurance company verification of loss along with
an odometer statement at the time of loss.

2. A ten percent (10%) penalty per month shall be added to the refund if it is not paid or
DocuSign Envelope ID:

credited within forty-five days after return of the CONTRACT and cancellation request
from YOU to US. Cancellation fee does not apply to cancellations within the first 30 of
the contract purchase date.

3. In the event the cost of this CONTRACT is financed or part of a retail sales contract,
any lender shall be additionally named on any refund check (unless the cancellation is
accompanied by a discharge of lien). In the case of a repossession or total loss, then the
lender shall have the right to cancel and shall be the sole payee of any refund check. All
cancellations refund checks will be sent from the issuing dealer.

iii. WE may cancel this CONTRACT by mailing a written notice to YOUR last known

address at least ten (10) days prior to cancellation by US. Prior notice is not required if the
reason for cancellation is nonpayment of the CONTRACT, a material representation by YOU to
US, or a substantial breach of duties by YOU relating to YOUR VEHICLE or its use. The notice
shall state the date of the cancellation and reason for the cancellation.

I, Kristjan , Agree that I have read and agree to the terms and conditions listed within this
page.

Privacy Policy
This Privacy Policy governs the manner in which Infinite Auto Protection (Infinite) collects,
uses, maintains and discloses information collected from users (each, a "User") of the
www.Infiniteautoprotection.com website ("Site"). This privacy policy applies to the Site and all
products and
services offered by Infinite.
Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but
not
limited to, when Users visit our site, register on the site, place an order, subscribe to the
newsletter,
respond to a survey, fill out a form, and in connection with other activities, services, features or
resources we make available on our Site. Users may be asked for, as appropriate, name, email
address, mailing address, phone number. We will collect personal identification information from
Users
only if they voluntarily submit such information to us. Users can always refuse to supply personally
identification information, except that it may prevent them from engaging in certain Site related
activities.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our
Site. Non-personal identification information may include the browser name, the type of computer
and
technical information about Users means of connection to our Site, such as the operating system
and
the Internet service providers utilized and other similar information.
Web browser cookies
We may collect non-personal identification information about Users whenever they interact with our
Site. Non-personal identification information may include the browser name, the type of computer
and
technical information about Users means of connection to our Site, such as the operating system
and
the Internet service providers utilized and other similar information.
How we use collected information
Inifnite may collect and use Users personal information for the following purposes:
- To improve customer service
Information you provide helps us respond to your customer service requests and support needs
more efficiently.
- To personalize user experience
We may use information in the aggregate to understand how our Users as a group use the
services and resources provided on our Site.
- To improve our Site
We may use feedback you provide to improve our products and services.
DocuSign Envelope ID:

- To process payments
We may use the information Users provide about themselves when placing an order only to
provide service to that order. We do not share this information with outside parties except to the
extent necessary to provide the service.
-To share your information with third parties
We may share or sell information with third parties for marketing or other purposes.
- To run a promotion, contest, survey or other Site feature
To send Users information they agreed to receive about topics we think will be of interest to
them.
- To send periodic emails
We may use the email address to send User information and updates pertaining to their order. It
may also be used to respond to their inquiries, questions, and/or other requests. If User decides
to opt-in to our mailing list, they will receive emails that may include company news, updates,
related product or service information, etc. If at any time the User would like to unsubscribe from
receiving future emails, we include detailed unsubscribe instructions at the bottom of each email
or User may contact us via our Site.
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to
protect against unauthorized access, alteration, disclosure or destruction of your personal
information,
username, password, transaction information and data stored on our Site.
Sensitive and private data exchange between the Site and its Users happens over a SSL secured
communication channel and is encrypted and protected with digital signatures.
Sharing your personal information
We may use third party service providers to help us operate our business and the Site or administer
activities on our behalf, such as sending out newsletters or surveys. We may share your
information with
these third parties for those limited purposes provided that you have given us your permission.
Third party websites
Users may find advertising or other content on our Site that link to the sites and services of our
partners,
suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or
links
that appear on these sites and are not responsible for the practices employed by websites linked to
or
from our Site. In addition, these sites or services, including their content and links, may be
constantly
changing. These sites and services may have their own privacy policies and customer service
policies.
Browsing and interaction on any other website, including websites which have a link to our Site, is
subject to that website's own terms and policies.
Changes to this privacy policy
Infinite has the discretion to update this privacy policy at any time. When we do, we will revise the
updated date at the bottom of this page. We encourage Users to frequently check this page for any
changes to stay informed about how we are helping to protect the personal information we collect.
You
acknowledge and agree that it is your responsibility to review this privacy policy periodically and
become aware of modifications.
Your acceptance of these terms
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy,
please do
not use our Site. Your continued use of the Site following the posting of changes to this policy will
be
deemed your acceptance of those changes.
Contacting us
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with
this
site, please contact us at:
Inifnite Auto Protection
www.asapwarranty.com
10000 Wayne Rd, Suite 202, Romulus MI, 48174
1-888-734-7392
info@infiniteautoprotection.com
DocuSign Envelope ID:

Cancellation Policy
YOU may cancel this CONTRACT:
A. Within thirty (30) days following the commencement of the CONTRACT period, YOU may cancel
this
CONTRACT and receive a full purchase price refund, if no services have been rendered to or on
behalf
of YOU. If services have already been rendered under this CONTRACT to or on behalf of YOU, the
refund will be the lesser amount calculated as: (i) a time pro-rated amount, based upon the time
expired
since the CONTRACT was purchased; or (ii) a mileage pro-rated amount, based upon the number of
miles the VEHICLE has been driven since YOU purchased the CONTRACT.
B. After thirty (30) days following the commencement of the CONTRACT period, YOU may cancel
this
CONTRACT. The refund will be the lesser amount calculated as: (i) a time pro-rated amount, based
upon the time expired since the CONTRACT was purchased; or (ii) a mileage pro-rated amount,
based
upon the number of miles the VEHICLE has been driven since YOU purchased the CONTRACT. ALL
CANCELLATION REFUNDS AFTER THIRTY (30) DAYS ARE SUBJECT TO A $25 PROCESSING FEE.
C. WE may cancel this CONTRACT at any time if: (i)YOU fail to timely pay any part of the CONTRACT
purchase price; (ii) YOU made a material misrepresentation or substantially breached YOUR duties
under this CONTRACT relating to the VEHICLE or its use; (iii) the VEHICLE has been sold or traded or
repossessed, unless this CONTRACT has been transferred in accordance with section X; (iv) the
VEHICLE identification number no longer can be read or has been altered; (vi) WE cannot
determine
the true mileage of the VEHICLE due to replacement, alternation, disconnection or failure of the
Odometer; (vii) the VEHICLE has been declared a total loss or sold for salvage purposes; or (viii) the
VEHICLE has been modified for or used in any competitive events or used for a COMMERCIAL USE
or
PURPOSE. If WE cancel this Contract, WE will refund to you or the Lender, as applicable, the lesser
of:
(i) a time pro-rated amount, based upon the time expired since the CONTRACT was purchased; or
(ii) a
mileage pro-rated amount, based upon the number of miles the VEHICLE has been driven since
YOU
purchased the CONTRACT.
D. If YOU are entitled to a refund under this CONTRACT, WE will pay the refund to YOU if YOUR
purchase of this CONTRACT was not financed. If YOU financed YOUR purchase of this CONTRACT
with a Lender, WE will issue a cancellation refund directly to that Lender unless YOU present to US
written confirmation that YOU have paid the Lender in full all sums due under the Finance
Agreement
and the Lender has discharged all liens it had in respect to the Finance Agreement. YOU
acknowledge
that OUR payment of a cancellation refund to a Lender in respect to a Finance Agreement regarding
the
VEHICLE constitutes payment to YOU and YOU have no claim against US in respect to such
payment.
In the event of repossession or total loss of the VEHICLE, the LENDER may cancel this CONTRACT.
The provisions of this Section VI.D apply to all cancellation requests. No other rights or benefits
under
this CONTRACT transfer to the LENDER. A CONTRACT holder who obtains this CONTRACT through a
Transfer is not eligible to request or receive a cancellation refund. SHOULD YOU OR WE CANCEL
THIS CONTRACT, THIS CONTRACT SHALL TERMINATE IF WE ISSUE A REFUND TO YOU OR THE
LENDER AND NO COVERAGE CAN BE REINSTATED FOR YOU
E. To inquire about cancellation, contact US at our toll free number and complete a Cancellation
Request Form. Please Note: If YOU dispute or chargeback against any payment(s) toward the
purchase
your vehicle service contract, YOU agree that WE may cancel YOUR contract. Additionally, by
performing a chargeback or dispute you agree to the terms and conditions of the cancellation form
which state the following: I have read and understood all the terms & conditions listed in the
Service
Agreement located at www.Inifiniteautoprotection.com and agree to be bound by these terms. By
performing a
chargeback or dispute against any payment(s) toward my vehicle service contract, I understand
DocuSign Envelope ID:

that I
will forfit the right to any refund(s). I also acknowledge that I am of legal age, have provided true
and
complete information and have received a copy of the Service Agreement. For the consideration of
cancellation caused by my dispute or chargeback against any payment(s) toward my vehicle
service
contract, I hereby release and discharge the Administrator from all causes of action, judgments,
claims ,
or demands for damages, costs, expenses, attorneys' fees, consequential damages, punitive
damages,
statutory damages, or any other loss or claim whatsoever, whether known or unknown. I also
acknowledge that I have read, understood, and agree to the Inifnite Auto Protection
Cancellation terms, which are stated in section Cancellation of this Service Agreement and agree to
the
refund amount as stated within the cancellation email I received.

I, Kristjan , Agree that I have read and agree to the Cancellation terms listed above.

I,Kristjan , Agree that the information I have provided is accurate.

Please sign your name in the field below:

ATTACHMENT B
DocuSign Envelope ID:

Infinite Auto Protection

10000 Wayne Rd, Suite 202
Romulus, MI 48174
Sales Support: 1-888-734-7392

Cancellation Form VSC#

The information listed on this page represents t nformation that was

provided to Infinite Auto Protection by Kristjan upon registration of the
vehicle service contract. To avoid any inaccurac or misrepresentations,
please verify that the information below is true and accurate.

Vehicle Information

Year: 2013
Make: Mercedes-Benz
Model: C63 AMG REAR WHEEL DRIVE COUPE
Mileage: 47629

Customer Information:

Name: Kristjan
Home Phone:
Work Phone:

Billing Information

Billing Address
Billing City:
Billing State:
Billing Zipcode:
DocuSign Envelope ID:

Cancellation Terms & Conditions

By signing below, I Kristjan , acknowledge and accept my refund amount
of $1995.00. I also acknowle that I am of legal age and have provided true
and complete information. For the consideration of cancellation, I hereby
release and discharge Infinite Auto Protection from all causes of action,
judgments, claims, or demands for damages, costs, expenses, attorneys' fees,
consequential damages, punitive damages, statutory damages, or any other
loss or claim whatsoever, whether known or unknown. I understand that it may
take up to 12-14 business days for the refund to be reflected on to my
banking/credit card statement.

I, Kristjan , Agree that I have read and agree to the Cancellation terms
listed abov

I, Kristjan , Agree that the information I have provided is accurate.

I, Kristjan , Agree to the refund amount of $1995.00 and accept that

amount as efund

Please sign your name in the field below:

ATTACHMENT C
10/5/21, 9:56 PM Gmail - Cancellation Request

Kris

Cancellation Request

11 messages

Infinite Auto Protection <sales@infiniteautoprotection.com> Sun, Apr 12, 2020 at 7:06 PM

To: Kristjan

   

Dear Kristjan

This email was sent to you in response to your request to cancel your Vehicle
Service Contract. As per the terms and conditions of your VSC, we need your
exact current mileage to calculate your refund. Please reply to this email message
with an attached photo of your vehicle's current odometer reading.

Once your refund amount is calculated you will receive a final cancellation form
disclosing the refund amount by email.

Should you have any questions, please contact our customer service department
at 888-734-7392.

Thank You,

Infinite Auto Protection

Billing Department

10000 Wayne Rd, Suite 202

Romulus, MI 48174

1-888-734-7392

cs@infiniteautoprotection.com

https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 1/8
10/5/21, 9:56 PM Gmail - Cancellation Request
Infinite Auto Protection

10000 Wayne Rd, Suite 202

Romulus, MI 48174

1-888-734-7392

www.infiniteautoprotection.com

© Infinite Auto Protection Services |

All Rights Reserved

This e-mail, including attachments, contains information that is confidential. This e-mail, including
attachments, constitutes non-public information intended to be conveyed only to the designated recipient
(Kristjan ). If you are not an intended recipient, please delete this e-mail,
including attachments, and notify sender by return email or by emailing cs@infiniteautoprotection.com.
The unauthorized use, dissemination, distribution or reproduction of this e-mail, including attachments, is
prohibited and may be unlawful.

Infinite Auto Protection <sales@infiniteautoprotection.com> Sun, Apr 12, 2020 at 7:06 PM

To: Kristjan

[Quoted text hidden]

Kristjan Tue, Apr 14, 2020 at 6:06 PM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 2/8
10/5/21, 9:56 PM Gmail - Cancellation Request

2013 Mercedes C63 AMG 

Sent from my iPhone

https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 3/8
10/5/21, 9:56 PM Gmail - Cancellation Request
On Apr 12, 2020, at 7:06 PM, Infinite Auto Protection <sales@infiniteautoprotection.com> wrote:

[Quoted text hidden]

Kristjan Tue, Apr 14, 2020 at 6:07 PM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

2013 Audi S6

Sent from my iPhone

https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 4/8
10/5/21, 9:56 PM Gmail - Cancellation Request
On Apr 12, 2020, at 7:06 PM, Infinite Auto Protection <sales@infiniteautoprotection.com> wrote:

   

Dear Kristjan

This email was sent to you in response to your request to cancel your Vehicle
Service Contract. As per the terms and conditions of your VSC, we need your
exact current mileage to calculate your refund. Please reply to this email message
with an attached photo of your vehicle's current odometer reading.

Once your refund amount is calculated you will receive a final cancellation form
disclosing the refund amount by email.

Should you have any questions, please contact our customer service department
at 888-734-7392.

Thank You,

Infinite Auto Protection

Billing Department

10000 Wayne Rd, Suite 202

Romulus, MI 48174

1-888-734-7392

cs@infiniteautoprotection.com

Infinite Auto Protection

10000 Wayne Rd, Suite 202

Romulus, MI 48174

1-888-734-7392

www.infiniteautoprotection.com

© Infinite Auto Protection Services |

All Rights Reserved

This e-mail, including attachments, contains information that is confidential. This e-mail, including
attachments, constitutes non-public information intended to be conveyed only to the designated recipient
(Kristjan If you are not an intended recipient, please delete this e-mail,
including attachments, and notify sender by return email or by emailing cs@infiniteautoprotection.com.

https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 5/8
10/5/21, 9:56 PM Gmail - Cancellation Request
The unauthorized use, dissemination, distribution or reproduction of this e-mail, including attachments, is
prohibited and may be unlawful.

Kristjan Wed, Apr 22, 2020 at 7:03 PM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

Checking on the status of my cancellations? 

It’s been a few weeks now 

Sent from my iPhone

On Apr 14, 2020, at 6:07 PM, Kristjan wrote:

<image0.jpeg>
[Quoted text hidden]

Kristjan Wed, Apr 29, 2020 at 12:18 PM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

Hi, again I’m checking on the status of the cancellation.

I’ve send them pictures of the odometer and haven’t heard anything. 
Please advise 

Sent from my iPhone

On Apr 22, 2020, at 7:03 PM, Kristjan > wrote:

Checking on the status of my cancellations? 

[Quoted text hidden]

Kristjan Mon, May 18, 2020 at 12:04 AM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

To whom it May Concern; 

https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 6/8
 10/5/21, 9:56 PM Gmail - Cancellation Request
I have submitted all necessary paperwork for the cancellation over a month now, and have not heard anything from your party. I have also sent numerous emails
checking on the status. 
Please advise. 
Thank you!
Kristjan  

Sent from my iPhone

On Apr 14, 2020, at 6:06 PM, Kristjan wrote:

 
<image0.jpeg>
[Quoted text hidden]

Kristjan Wed, Jun 24, 2020 at 12:45 AM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

Hi again, 
I received a voicemail from you  about my cancellation saying that it’s being processed.
However, it has been 1 month since that call and I haven’t heard anything.
Please advice.. 
I need the refund from the cancellation.
Thank you 

Sent from my iPhone

On May 18, 2020, at 12:04 AM, Kristjan wrote:

To whom it May Concern; 

[Quoted text hidden]

Kris Thu, Dec 3, 2020 at 5:37 PM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

Hello again,
It has been close to one year and I have not gotten my refund yet.
I need to know the status of my refund ASAP.

[Quoted text hidden]

--

Kris
https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 7/8
10/5/21, 9:56 PM Gmail - Cancellation Request

 
Kristjan Sat, Apr 10, 2021 at 6:01 PM
To: Infinite Auto Protection <sales@infiniteautoprotection.com>

To whom it May Concern, 

I have been trying to reach your customer support numerous times and also emailing regarding my refund! 
It has been more than a year with no response. 
Please advise or otherwise I would have to take legal actions! 
Thank you! 
Kristjan 

On Apr 14, 2020, at 6:06 PM, Kristjan wrote:

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Kristjan Thu, Jun 24, 2021 at 12:45 PM

To: Infinite Auto Protection <sales@infiniteautoprotection.com>

Hi, 
I have been trying for over a year with no luck. 
I haven’t received any of your emails; but you received all of mine. 
I gave you to other email addresses to send me the form to sign but with no luck.
Here I will provide you with them on more time (
Please advise! 

Thanks 

On Apr 14, 2020, at 6:06 PM, Kristjan wrote:

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[Quoted text hidden]

https://mail.google.com/mail/u/0?ik=aecba4a67d&view=pt&search=all&permthid=thread-f%3A1663809940945297808&simpl=msg-f%3A1663809940945297808&simpl=msg-f%3A166380994827687067… 8/8
ATTACHMENT D
DocuSign Envelope ID:

Infinite Auto Protection

10000 Wayne Rd, Suite 202
Romulus, MI 48174
Sales Support: 1-888-734-7392

Cancellation Form VSC#

The information listed on this page represents t nformation that was

provided to Infinite Auto Protection by Kristjan upon registration of the
vehicle service contract. To avoid any inaccurac or misrepresentations,
please verify that the information below is true and accurate.

Vehicle Information

Year: 2013
Make: Audi
Model: S6
Mileage: 80176

Customer Information:

Name: Kristjan
Home Phone:
Work Phone:

Billing Information

Billing Address
Billing City:
Billing State:
Billing Zipcode:
DocuSign Envelope ID:

Cancellation Terms & Conditions

By signing below, I Kristjan , acknowledge and accept my refund amount
of $2036.23. I also acknowle that I am of legal age and have provided true
and complete information. For the consideration of cancellation, I hereby
release and discharge Infinite Auto Protection from all causes of action,
judgments, claims, or demands for damages, costs, expenses, attorneys' fees,
consequential damages, punitive damages, statutory damages, or any other
loss or claim whatsoever, whether known or unknown. I understand that it may
take up to 12-14 business days for the refund to be reflected on to my
banking/credit card statement.

I, Kristjan , Agree that I have read and agree to the Cancellation terms
listed abov

I, Kristjan , Agree that the information I have provided is accurate.

I, Kristjan , Agree to the refund amount of $2036.23 and accept that

amount as efund

Please sign your name in the field below:

DocuSign Envelope ID:

Infinite Auto Protection

10000 Wayne Rd, Suite 202
Romulus, MI 48174
Sales Support: 1-888-734-7392

Cancellation Form VSC#

The information listed on this page represents t nformation that was

provided to Infinite Auto Protection by Kristjan upon registration of the
vehicle service contract. To avoid any inaccurac or misrepresentations,
please verify that the information below is true and accurate.

Vehicle Information

Year: 2013
Make: Mercedes-Benz
Model: C63 AMG REAR WHEEL DRIVE COUPE
Mileage: 47629

Customer Information:

Name: Kristjan
Home Phone:
Work Phone:

Billing Information

Billing Address
Billing City:
Billing State:
Billing Zipcode:
DocuSign Envelope ID:

Cancellation Terms & Conditions

By signing below, I Kristjan , acknowledge and accept my refund amount
of $1995.00. I also acknowle that I am of legal age and have provided true
and complete information. For the consideration of cancellation, I hereby
release and discharge Infinite Auto Protection from all causes of action,
judgments, claims, or demands for damages, costs, expenses, attorneys' fees,
consequential damages, punitive damages, statutory damages, or any other
loss or claim whatsoever, whether known or unknown. I understand that it may
take up to 12-14 business days for the refund to be reflected on to my
banking/credit card statement.

I, Kristjan Agree that I have read and agree to the Cancellation terms
listed abov

I, Kristjan , Agree that the information I have provided is accurate.

I, Kristjan , Agree to the refund amount of $1995.00 and accept that

amount as efund

Please sign your name in the field below: