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Terms of Service

Last Updated: September 26th, 2025

THESE TERMS ARE IMPORTANT AND AFFECT YOUR LEGAL RIGHTS. PLEASE CAREFULLY READ THIS TERMS OF SERVICE PRIOR TO ACCESSING OUR WEBSITE OR PURCHASING OUR SERVICES. PLEASE BE ADVISED THAT PROTECT+ IS NOT AN INSURANCE COMPANY, AGENCY, OR PROVIDER AND OUR SERVICES SHALL NOT CONSTITUTE INSURANCE COVERAGE. IF YOU REQUIRE INSURANCE FOR YOUR PURCHASE, PLEASE CONTACT A LICENSED INSURANCE PROVIDER. THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND A CLASS ACTION WAIVER. PLEASE READ THESE TERMS, THE ARBITRATION PROVISION, AND THE CLASS ACTION WAIVER SO THAT YOU ARE AWARE OF YOUR LEGAL RIGHTS.

Section 1 – Introduction & Consent to Terms.

Welcome to Protect Plus, LLC, a Delaware limited liability company (referred to herein as “Protect+”, “we”, “us”, or “our”) Terms of Service (referred to herein as the “Terms”). Protect+ offers a variety of package protection, returns/exchanges, and warranty services, more particularly found on our Website (as defined below) and as outlined herein (referred to herein as our “Services”).

These Terms apply to all users of our website, https://www.protectplus.io/ (our “Website”) and customers who purchase our Services (herein “you”, “your”, “user”, or “customer”). By using our Website or purchasing our Services, you agree to be bound by these Terms. If you do not agree to these Terms, we ask that you please not use our Website or purchase any of our Services. Your use of our Website or purchase of our Services constitutes explicit acceptance of these Terms.

By agreeing to these Terms, you also agree to our Privacy Policy (https://www.protectplus.io/privacy-policy), which is expressly incorporated herein by reference and agreed to by you when you agree to these Terms. By agreeing to these Terms, you confirm that you have reviewed, understood, and consent to the practices and provisions outlined in our Privacy Policy, including how we collect, use, store, and protect your personal information and other data that we collect from you when you (i) access our Website, or (ii) purchase and use our Services. If you do not agree with the Privacy Policy, do not use our Website or our Services.

We reserve the right to modify the contents of these Terms at any time. Any modification to these Terms will be notated at the top of these Terms. Any such modifications will be effective immediately: (i) upon posting of the updated Terms on our Website, (ii) when you agree to the updated Terms by using or continuing to use our Services, or (iii) through other communication channels we may designate, such as email notifications. It is your responsibility to periodically review these Terms for any updates or modifications. We encourage you to check the ‘Last Updated’ date at the top of this document to stay informed of any changes. Continued use of our Website or Services following the posting of changes constitutes your acceptance of those changes. When you purchase our Services, you will be agreeing to the most up-to-date version of these Terms.

You acknowledge and agree that by clicking on the button labeled “SUBMIT”, “DOWNLOAD”, “I ACCEPT”, or such similar links as may be designated by Protect+ to accept these Terms, you are submitting a legally binding electronic signature and entering into a legally binding contract with Protect+. You acknowledge that your electronic submissions constitute your agreement and intent to be bound by these Terms. Pursuant to any applicable statutes, regulations, rules, ordinances, or other laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the “E-Sign Act”), YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE WEBSITE OR SERVICES OFFERED BY PROTECT+. Further, you waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by other than electronic means.

Section 2 – Insurance and Services Disclaimers.

OUR SERVICES ARE NOT, AND SHOULD NOT BE CONSTRUED AS, INSURANCE PRODUCTS, POLICIES, OR COVERAGE OF ANY KIND. WE ARE NOT LICENSED AS AN INSURANCE COMPANY, BROKER, AGENT, OR UNDERWRITER IN ANY JURISDICTION, AND WE DO NOT ENGAGE IN THE BUSINESS OF INSURANCE. Our Services do not create an insurer-insured relationship, nor do they guarantee payment or indemnification for losses in the manner of an insurance policy. Any reimbursements or benefits offered under our Services are provided at our sole discretion, subject to the limitations and conditions set forth in these Terms, and are not backed by any insurance fund, guaranty association, or regulatory oversight applicable to licensed insurers. Our Services are intended solely as supplementary tools to assist you in managing certain risks when ordering product(s) or good(s) online, and are not a replacement for, or alternative to, comprehensive insurance coverage. If you desire to obtain insurance coverage, we advise you to obtain and maintain appropriate insurance policies from licensed insurance providers to protect against potential losses, damages, or liabilities. 

Protect+ is not regulated by any state insurance department or similar authority as an insurance entity. We do not comply with insurance-specific laws, regulations, or requirements, such as those governing solvency, reserves, claims handling, or consumer protections under insurance codes (e.g., the Insurance Code of any U.S. state or equivalent international regulations). Any attempt to characterize our Services as unlicensed insurance is expressly rejected, and users acknowledge that no such interpretation is intended or supported by our offerings.

Protect+’s package protection, returns/exchanges, and warranty services are not evaluated or approved by any regulatory body for legal or financial purposes. Our Services are sold as consumer services for personal or business use. You should not rely on these services for legal or financial purposes.

By accessing or using the Website or Services, you acknowledge and agree that:

  • You have read and understood this our insurance disclaimer, in its entirety.
  • You are solely responsible for evaluating the suitability of the Services for your needs and for obtaining independent professional advice, including from licensed professionals, as appropriate.
  • Any decisions you make based on information provided through the Services are at your own risk, and we disclaim all liability for such decisions.

Our Services are not intended to provide legal, financial, or insurance advice. All information, recommendations, or otherwise that is/are found on our Website or anywhere our Services are marketed or advertised are provided for general information purposes only and shall not constitute professional advice.

Our Services may involve processes or terms that could vary based on individual circumstances. Any descriptions of potential benefits (e.g., reduced claims, improved customer satisfaction, or enhanced retention) are based on general experiences and should not be interpreted as promises of specific outcomes. Protect+ makes no warranties regarding the efficacy of our Services for any particular purpose.

Protect+ is not responsible for any decisions made based on the use of our Services. Reliance on any information provided by Protect+ is solely at your own risk.

Section 3 – Eligibility.

Access to and use of our Website or Services is not meant to be used by anyone under the age of eighteen (18) and we do not target persons under this age for our Services. By using our Website or purchasing our Services, you represent and warrant that (a) you are at least eighteen (18) years old; and (b) you have the full power and authority to enter into these Terms.

We may refuse to accept or may cancel any transaction, in our sole discretion, and without liability to you or any third party.

When you purchase our Services, you can sign up for a User Account. A “User Account” is your account on our Website, our mobile application, or our widget, where you are required to provide necessary information about yourself including: your name, age, date of birth, contact information, address (both shipping and billing), payment information, and other personal information required by Protect+.

You are solely responsible for maintaining confidentiality of your password and account information and are responsible for all activity that takes place on your account. Protect+ shall not, for any reason, be responsible for any use or misuse on your User Account. You are not permitted to give your account information to any third-parties. All purchases of Services on your account are your sole responsibility.

Your use of our Services involves the use of software and access to the internet. These system requirements may change from time to time. You acknowledge and agree that all system or internet requirements for our Services are your sole responsibility.

Section 4 – Purchasing Our Services and Cancellation.

Prior to finalizing your purchase of our Services, you will be presented with a confirmation screen detailing the specific Services selected, including inclusions, exclusions, coverage limits, and associated fees.

It is your responsibility to carefully review these details to ensure that the selected Services meet your needs and expectations, including verifying coverage for loss, theft, damage, or other eligible incidents, as well as any applicable merchant policies or timeframes. Protect+ is not liable for any misunderstandings or assumptions regarding coverage if you fail to review the confirmation screen or related documentation prior to purchase.

Once you have purchased our Services, your Services may only be canceled with the merchant, in accordance with the merchant’s terms.

Section 5 – Our Services.

Protect+ provides a robust suite of software tools and integrations designed to enhance the e-commerce experience for both merchants and end-customers. These tools facilitate seamless management of supplemental protection services and are subject to these Terms.

Key features include:

  • Merchant Tools for Package Protection and Returns Management: Protect+ enables merchants to offer optional Package Protection, Returns/Exchanges, and Warranty Support services to their customers. Our software integrates directly into merchant storefronts, allowing merchants to configure, manage, and track these services efficiently. Merchants can customize protection offerings and streamline customer returns or exchanges through automated workflows and merchant-branded interfaces.
  • End-Customer Experience: End-customers can opt into Protect+ services (e.g., Package Protection, Returns/Exchanges, or Warranty Support) during the checkout process on participating merchant platforms. Customers can submit claims for lost, stolen, or damaged packages, request returns or exchanges, or access warranty support through intuitive, merchant-branded portals provided by Protect+. These portals offer clear instructions, real-time tracking, and direct communication with support teams, ensuring a user-friendly experience. Customers receive access to a dedicated claim submission link upon enrollment in applicable services.
  • Seamless Platform Integrations: Protect+ integrates with leading shipping, logistics, and e-commerce platforms, including but not limited to Shopify, WooCommerce, and major carrier APIs. These integrations enable automated tracking, claim processing, and return authorization workflows, reducing manual overhead for merchants and improving accuracy. Merchants can embed Protect+’s tools (e.g., widgets or APIs) into their checkout processes to offer services in a cohesive, branded manner.

The available Protect+ service options include:

  • Package Protection: Provides reimbursement or other remedies for eligible incidents involving loss, theft, or damage to your purchased goods during transit, as specified in these Terms.
  • Returns/Exchanges: Facilitates streamlined processes for returns or exchanges of eligible products, subject to the merchant’s policies and the conditions outlined in these Terms.
  • Warranty Support: Offers extended warranty-like benefits, such as repair or replacement for eligible products that experience defects or malfunctions, subject to the limitations and eligibility criteria detailed in these Terms.

At the time of purchase, you will have the opportunity to select one or more of these service options as part of your Protect+ enrollment. The specific options you choose, along with any associated fees, will be presented and agreed upon during the checkout process with the merchant. Details of the selected services, including coverage scope, limitations, and exclusions, will be governed by these Terms and any additional documentation provided at the time of purchase, subject to any limitations provided by the merchant.

Our Services are offered in connection with purchases made through participating merchants. The merchant’s terms and conditions, including those related to returns, exchanges, or warranties, may apply in addition to these Terms. In the event of a conflict between the merchant’s terms and these Terms, these Terms shall govern with respect to our Services, except as otherwise expressly stated herein. For questions about your purchase or the merchant’s policies, please contact the merchant directly.

Section 6 – Protect+ Service Suite Coverage.

To provide you with peace of mind with your order from a third-party merchant, we offer the “Protect+ Service Suite” for an additional charge, as shown to you when you opt-into our Services. The Protect+ Service Suite is an add-on, can be purchased at the time of placing your Order, and is not included in your order without opting in. By opting for the Protect+ Service Suite, your package is protected against loss or damage during transit, and you gain access to our returns/exchanges and warranty services.

What the Protect+ Service Suite covers:

  • Damaged in transit;
  • Lost in transit (claim needs to be filed with the shipping provider);
  • Stolen (claim needs to be filed with the shipping provider);
  • Delivered but not received (claim needs to be filed with the shipping provider);
  • Returns and exchanges for eligible products;
  • Warranty coverage for eligible products.

An item is considered “lost” if it is never reported as “delivered,” and if 5 business days have passed since the last tracking status update.

What the Protect+ Service Suite does not cover:

  • Invalid, incorrect, or an error with your shipping address; or
  • Claims that arise out of fraud, negligence (on your part), or other illegal or immoral action by you.

If you do not purchase the Protect+ Service Suite or later cancel our Services (within the applicable time), if your product is lost, damaged, or otherwise, you will not receive the benfit of our Services.

Section 7 – Protect+ Claims and Returns Processes.

Protect+ streamlines the claims and returns process for package protection, returns/exchanges, and warranty support services on behalf of participating merchants, ensuring a seamless experience for end-customers. The following outlines the key aspects of this process:

  • Facilitation of Claims and Returns: Protect+ acts as an intermediary to manage and process claims and returns related to our Services (e.g., lost, stolen, or damaged packages; Returns/Exchanges; or Warranty Support). We provide tools to enable customers to submit claims or return requests efficiently. Protect+ coordinates with merchants, carriers, or third-party partners (e.g., logistics providers or insurers) to facilitate resolutions, including issuing Return Merchandise Authorizations (RMAs), providing return shipping labels, or processing reimbursements or replacements.
  • Decision-Making Authority: While Protect+ oversees the initial handling of claims and returns, final decisions regarding approval, denial, or remedy may involve the merchant, the shipping carrier, or an external insurance partner, depending on the nature of the claim and the specific Service terms. Protect+ will communicate any such involvement to the customer and provide clear instructions for next steps. Merchants retain the right to enforce their own policies (e.g., return eligibility or restocking fees) in conjunction with Protect+’s Terms, and any conflicts will be resolved as outlined in these Terms.
  • Evidence Requirements: To process claims, customers may be required to submit additional evidence to verify eligibility. Failure to provide requested evidence in a timely manner may result in claim denial or delayed processing. This may include, but is not limited to:
    • Photographs of damaged items or packaging,
    • Proof of loss or theft,
    • Proof of purchase,
    • And other documentation or requested information from Protect+.
  • Coverage Limits: the limitation of coverage for our Services is: (i) the replacement value of the product(s) or good(s), or (ii) the price you paid for the product(s) or good(s) with your merchant, whichever is lower.
  • Refunds: Refunds, if approved, are issued to the original payment method within 10 business days of claim verification.

Section 8 – General Timelines.

You are responsible for submitting claims or return requests within the defined timeframes outlined herein, unless a shorter period is specified by the merchant’s policies:

  • Lost or Stolen Packages: Claims must be reported within thirty (30) calendar days from the shipment date.
  • Damaged Items: Claims must be reported within thirty (30) calendar days from the delivery date.
  • Returns/Exchanges: Return requests must be initiated within thirty (30) calendar days from the delivery date, unless a shorter merchant policy applies.
  • Warranty Claims: Claims must be submitted within the warranty period specified in the merchant’s policy.

PLEASE BE ADVISED THAT IF THE MERCHANT’S POLICIES DICTATE A SHORTER TIME-PERIOD THAN THOSE PERIODS LISTED ABOVE, THE MERCHANT’S POLICY SHALL GOVERN.

Section 9 - Inspection, Inspection Period, and General Conditions.

Inspection and Acceptance.

Upon receipt of your delivery, you agree to promptly inspect your order for any defects, errors, nonconformities, or discrepancies with the applicable description or identification of goods. Such inspection must be completed, and any issues must be reported in writing to Protect+, within thirty (30) calendar days from the date of delivery (the "Inspection Period"), unless a shorter period is required by the merchant’s policies, in which case the shorter period shall apply. Failure to provide timely written notice of any claimed issue during the applicable Inspection Period will result in your order being deemed irrevocably accepted "as is," and you waive any right to later claim defects, errors, or nonconformities except as may be expressly provided under these Terms or the merchant’s policies that you have agreed to. For subscription-based goods or orders, the Inspection Period applies to each individual installment or renewal, and acceptance of prior installments does not imply acceptance of subsequent ones.

Protect+ is not responsible for any delays in inspection due to external factors, such as shipping issues or user error, and you acknowledge that reliance on the Services without timely inspection is at your sole risk.

Return Authorization and Process.

All requests for returns, exchanges, reimbursements, or cancellations require prior authorization from Protect+ in the form of a Return Merchandise Authorization ("RMA") or equivalent approval.

To initiate a request, contact Protect+ within the thirty (30) calendar day Inspection Period (or any shorter period required by the merchant’s policies, as applicable). Provide complete details, including order information, proof of purchase, description of the issue, and supporting evidence. Protect+ will review the request and, if approved, issue an RMA with instructions for return shipment, including designated return addresses and any required labels. Returns or exchanges without a valid RMA, submitted outside the applicable return window, or not in compliance with provided instructions may be refused, returned to you at your expense, or subject to restocking fees, in Protect+'s sole discretion.

Condition and Eligibility for Returns.

To be eligible for processing, returned product(s) or good(s) (e.g., protected products, replacement goods, or documentation) must be in their original condition, including all accessories, components, packaging, manuals, and protective materials, free from damage beyond normal wear from reasonable trial use. Items showing signs of abuse, alteration, unauthorized repair, or excessive use may be deemed ineligible, and Protect+ may refuse the return or limit remedies. 

Lost or Stolen Packages.

If you have opted into Protect+'s Package Protection Services and your package is lost or stolen during transit, you must notify Protect+ in writing within thirty (30) calendar days from the date of shipment, unless a shorter period is specified by the merchant’s policies. You must provide evidence of loss or theft, which may include, but is not limited to, shipping documentation, tracking information, police reports, a sworn statement attesting to non-delivery, or other items at the request of Protect+.

Protect+ will investigate the claim and may require additional cooperation, such as contacting the carrier or providing further documentation. If the claim is verified, Protect+ will provide one of the following remedies: (i) a replacement product of the same or comparable value, subject to availability; or (ii) a refund of the original purchase price of the lost or stolen item.

Exclusive Remedies and Limitations.

Your sole and exclusive remedies for any verified defect, error, nonconformity, or other eligible issue with the product(s) or good(s) (including package protection, returns/exchanges, or warranty support) are: (i) provision of a new or replacement product, subject to availability and eligibility; or (ii) a refund of the fees paid for the specific product(s) or good(s), issued upon receipt and verification of an authorized return. 

Refunds will not be provided for product(s) or good(s) you retain or continue to use. In no event shall Protect+ be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data loss, or business interruption, arising from or related to returns, inspections, or remedies under this section. Protect+'s total liability for any claim under this section shall not exceed the fees paid by you for the Services related to those specific product(s) or good(s). These remedies are exhaustive and in lieu of all other remedies at law or in equity.

Cooperation and Evidence Requirements.

You agree to cooperate fully with Protect+ in investigating and resolving any reported issues, including providing sworn statements, police reports (if applicable, e.g., for loss or theft claims), witness accounts, photographs, shipping documentation, or other evidence as reasonably requested. Failure to provide such cooperation or evidence may result in denial of your claim or limitation of remedies. Protect+ may, at its discretion, involve third-party experts or insurers in the process, and you consent to the sharing of necessary information for this purpose, subject to our Privacy Policy.

Modifications to Return Policies.

Protect+ reserves the right to modify this Section or any related policies at any time, with changes effective upon posting to our Website or notification to you. 

Your Communications, Evidence, or Otherwise with Protect+

When you submit communications, evidence, or otherwise to Protect+, you represent and warrant that all communications, evidence, or otherwise: (i) are truthful to the best of your knowledge, (ii) do not contain any intentional misstatements or mischaracterizations, and (iii) are not made to mislead, misdirect, or misconstrue any material information.

Section 10 – Terms of Sale and Payment.

Pricing for our Services are shown on our Website at the time of purchase. All prices shown for our Services are shown in U.S. Dollars. Protect+ reserves the right to change prices at any time, with or without notice, prior to your purchase.

Payments made via credit card are subject to a 3% transaction fee.

When you provide payment information, you represent and warrant that the information you provide is accurate and that you are authorized to use the payment method provided. By providing a credit or debit card, you represent and warrant that you authorize us or our third-party payment processing company to charge your payment method for all charges you incur in connection with your purchase of our Services. You agree that you are responsible to pay for and will pay for all such charges.

All monies owed are due and payable at the time of purchase. All unpaid monies owed to Protect+ will accrue interest at: (i) three percent (3%) per month, or (ii) the highest amount permitted under applicable law, until paid in full.

At any time after failure to pay, Protect+ can transfer your invoice, account, and any past-due payments to a collection agency or attorney. If any past-due payments are transferred to a collection agency or attorney, Protect+ shall be entitled to recover all costs and fees in collecting your past-due balance, including all reasonable attorneys’ fees, costs of court, and collection agency fees.

If you charge back a payment made to Protect+ in connection with the Services and Protect+ wins the dispute, you agree to pay a five-hundred-dollar ($500.00) administrative fee which is not a penalty but is instead ‘liquidated damages’ based on the estimated time, energy, and costs (labor) required to deal with your chargeback. You agree that these liquidated damages are reasonable and were negotiated by you and agreed to prior to agreeing to these Terms.

Section 11 – Promotional Terms.

Protect+ may offer promotions, discounts, or special offers on our Services from time to time, as advertised on our Website, social media platforms, or other channels. All promotions are subject to the following terms:

  • No Guarantee of Availability: Promotions are not guaranteed and may be limited in duration, quantity, or eligibility. Protect+ reserves the right to modify, suspend, or revoke any promotion at any time without prior notice, at our sole discretion, due to factors such as availability, pricing errors, or other circumstances.
  • Not an Offer: Promotions do not constitute a binding offer by Protect+. They are invitations for an offer and Protect+ is not obligated to honor a promotion unless an order is placed in accordance with these Terms.
  • Eligibility and Restrictions: Promotions may be subject to specific terms, such as minimum purchase requirements, service exclusions, or geographic limitations. Details will be specified in the promotional materials.
  • Revocation and Cancellation: Protect+ may cancel or refuse to apply a promotion to any order if the promotion was applied in error, used fraudulently, or does not meet eligibility criteria. In such cases, you will be notified, and any affected orders may be adjusted or canceled, with applicable refunds issued per our refund policy.
  • No Cash Value: Unless otherwise stated, promotions have no cash value and cannot be redeemed for cash, gift cards, or other forms of credit.

Section 12 – Ownership of Intellectual Property.

The contents of our Website, our social media pages, our widget, and all of our property provided to you or that you gain access to are protected by United States and international copyright laws. These materials and other content are owned exclusively by Protect+ or licensed to us. You may not, and may not cause or encourage others to, reproduce, distribute, display, sell, transfer, assign, license, or use for commercial purposes any copyrighted material without our prior written consent. All rights not expressly granted in these Terms are reserved to Protect+.

Protect+ and its name, logos, slogans, or otherwise are trademarks or service marks ("Marks") of Protect+. All rights in these Marks are reserved by Protect+. You may not use any Protect+-provided Marks or other logos or graphics, without our prior written consent.

We grant you a limited, revocable, non-transferable, and non-exclusive license to access and make personal use of our Website and our Services. This limited license does not include the right to: (a) republish, redistribute, transmit, sell, license, or commercialize these materials in any manner except in connection with the regular use of our Services, as outlined herein; or (b) modify, reverse engineer, or create any derivative works based upon any of our content or Services.

Any unauthorized use by you of our content or materials will give us the right to terminate your access to our Website and our Services.

Section 13 – Consent to Receive Electronic Communications.

By creating a User Account or purchasing one or more of our Services and providing us your contact information, you explicitly consent to receive marketing and other electronic communications related to your order, shipping, issues, specials, promotions, services, or future services.

If you agree to subscribe to our mailing list, you will receive our latest news and updates. You may unsubscribe at any time by using the link at the bottom of our communication, by responding “STOP”, or via any of the contact methods listed on our Website.

You are able to terminate this consent in accordance with our Privacy Policy.

Section 14 – Third Party Websites.

Our Website may contain links to third-party websites or services that are not owned or controlled by us. Protect+ has no control over, and assumes no responsibility for, the content, privacy policies, or business practices of any third-party companies or persons. We strongly encourage you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

By using our Website, you expressly waive Protect+, our employees, agents, owners, and principals from all liability arising from your use of any services, products, information, or otherwise provided by third-parties.

Section 15 – Community Guidelines.

You are prohibited from using our Website or our Services:

  • for any unlawful purpose;
  • to solicit others to perform or participate in any unlawful acts;
  • to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; or
  • for any obscene or immoral purpose.

We reserve the right to terminate your use of our Website for violating any of these community guidelines.

Section 16 – Term & Errors.

These Terms will remain active and in full force and effect so long as they are posted on our Website.

Occasionally there may be information on our Website that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions, at any time.

Section 17 – Your Submissions.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding our Services, Website, or otherwise (“Submissions”) provided by you to us are non-confidential and shall become our sole property.

Protect+ shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions.

You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.

Section 18 – Disclaimers.

OUR WEBSITE AND OUR SERVICES ARE PROVIDED 'AS IS' AND, TO THE EXTENT PERMITTED BY APPLICABLE LAW, PROTECT+ AND ITS OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS, THIRD PARTY PROVIDERS, AND AFFILIATES, EXCLUDE ALL REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, AND FITNESS FOR A PARTICULAR PURPOSE.

PROTECT+ MAKES NO GUARANTEES ABOUT YOUR ABILITY TO RECEIVE COVERAGE, WHICH IS SUBJECT TO THE SPECIFIC CIRCUMSTANCES OF YOUR SHIPMENT AS WELL AS THESE TERMS.

PROTECT+ IS A SUPPLEMENTAL SERVICE OFFERED THROUGH THIRD-PARTY WEBSITES TO PROVIDE CONSUMERS WITH PROTECTION AGAINST LOSS, DAMAGE, THEFT, OR OTHER COVERED ISSUES FOR ELIGIBLE PURCHASES. PROTECT+ IS NOT AFFILIATED WITH, ENDORSED BY, OR OPERATED BY THE MERCHANT OR THIRD-PARTY WEBSITE. PROTECT+ IS NOT RESPONSIBLE FOR THE CONTENT, FUNCTIONALITY, SECURITY, POLICIES, OR PRACTICES OF ANY THIRD-PARTY WEBSITE, INCLUDING BUT NOT LIMITED TO MERCHANT WEBSITES, E-COMMERCE PLATFORMS, OR INTEGRATED PAYMENT SYSTEMS. YOUR USE OF THIRD-PARTY WEBSITES IS AT YOUR OWN RISK AND SUBJECT TO THEIR RESPECTIVE TERMS AND POLICIES.

PROTECT+ IS NOT RESPONSIBLE FOR ANY ACTIONS, OMISSIONS, POLICIES, OR PRACTICES OF MERCHANTS, INCLUDING BUT NOT LIMITED TO PRODUCT QUALITY, SHIPPING DELAYS, ORDER FULFILLMENT, CUSTOMER SERVICE, OR COMPLIANCE WITH APPLICABLE LAWS. ANY DISPUTES REGARDING A MERCHANT’S PRODUCTS, SERVICES, OR POLICIES MUST BE RESOLVED DIRECTLY WITH THE MERCHANT. PROTECT+’S ROLE IS LIMITED TO PROVIDING THE PROTECTION SERVICES AS OUTLINED HEREIN AND DOES NOT EXTEND TO MERCHANT OBLIGATIONS OR LIABILITIES.

PROTECT+ SERVICES ARE SUBJECT TO ELIGIBILITY REQUIREMENTS, COVERAGE LIMITS, AND EXCLUSIONS AS DETAILED IN THESE TERMS. CLAIMS FOR LOSS, DAMAGE, OR THEFT MUST BE SUBMITTED WITHIN SPECIFIED TIMEFRAMES AND REQUIRE EVIDENCE SUCH AS PHOTOGRAPHS, POLICE REPORTS, OR PROOF OF PURCHASE. FAILURE TO COMPLY WITH THESE TERMS WILL BE BORNE SOLELY BY YOU.

PROTECT+ IS NOT AN INSURANCE PROVIDER, AND THE SERVICES OFFERED (INCLUDING PACKAGE PROTECTION, RETURNS/EXCHANGES, AND WARRANTY SUPPORT) DO NOT CONSTITUTE INSURANCE. PROTECT+ OPERATES AS A SERVICE PROVIDER FACILITATING PROTECTION AND CLAIMS PROCESSES, SUBJECT TO THE LIMITATIONS AND EXCLUSIONS IN OUR TERMS. NO INSURER-INSURED RELATIONSHIP IS CREATED BY YOUR USE OF PROTECT+ SERVICES.

PROTECT+ RESERVES THE RIGHT TO DENY CLAIMS WHERE EVIDENCE SUGGESTS FRAUD, MISUSE, OR INTENTIONAL MISREPRESENTATION. ANY PERSON WHO KNOWINGLY SUBMITS FALSE, INCOMPLETE, OR MISLEADING INFORMATION IN A CLAIM MAY BE SUBJECT TO LEGAL CONSEQUENCES, INCLUDING BUT NOT LIMITED TO CLAIM DENIAL AND POTENTIAL CIVIL OR CRIMINAL LIABILITY.

Section 19 – Limitation of Liability.

WE SHALL NOT BE LIABLE TO YOU FOR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, NOR SHALL WE BE HELD LIABLE FOR DELAY OR FAILURE IN PERFORMANCE RESULTING FROM CAUSES BEYOND OUR REASONABLE CONTROL.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE TOTAL AMOUNT PROTECT+ RECEIVED IN CONNECTION WITH YOUR PURCHASE OF OUR SERVICES. IF YOU HAVE NOT PURCHASED ONE OF OUR SERVICES, IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED TEN DOLLARS ($10.00) WHICH YOU AGREE IS A REASONABLE AMOUNT OF MONEY.

YOU AGREE THAT NO CLAIMS OR ACTION IN CONTRACT, WARRANTY, OR IN TORT (INCLUDING NEGLIGENCE) ARISING OUT OF, OR RELATED TO, THE USE OF OUR WEBSITE, OUR SERVICES, OR THESE TERMS MAY BE BROUGHT MORE THAN ONE (1) YEAR AFTER THE CAUSE OF ACTION RELATING TO SUCH CLAIM OR ACTION AROSE.

Section 20 – Indemnification.

You agree to defend, indemnify, and hold Protect+, its agents, employees, directors, officers, owners, etc. harmless for any loss, damages, or costs, including reasonable attorneys' fees, resulting from any claim, action, or demand arising from (i) your use or misuse of our Website or Services; (ii) your breach of these Terms; or (iii) breach of applicable law.

Section 21 – Mandatory Binding Arbitration.

Any dispute arising out of or relating in any way to your visit to, or use of, our Website, Services, or any purchase related to this Agreement (“Disputes”) shall be submitted to mandatory, binding, confidential arbitration in Delaware.

If a Dispute arises under this Agreement, you agree to contact us at the email address listed on our Website. Before formally submitting a Dispute to arbitration, you and Protect+ may choose to informally resolve the Dispute. If any Dispute cannot be resolved informally, you agree that any and all Disputes, other than those expressly permitted by these Terms, shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in the location outlined above. Either you or Protect+ may commence the arbitration process by submitting a written demand for arbitration with the AAA and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes, in effect at the time of submission of the demand for arbitration. Except as may be required by law as determined by the arbitrator, no party or arbitrator may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of both parties. Except as awarded to the prevailing party, each party to the arbitration shall cover their own costs.

Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated in the state and federal courts: (i) any dispute, controversy, or claim relating to or contesting the validity of Protect+’s intellectual property rights and proprietary rights, including without limitation, patents, trademarks, service marks, copyrights, or trade secrets; (ii) action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory or other provisional relief; (iii) any legal action by Protect+ against a non-consumer; (iv) interactions with governmental and regulatory authorities, or (v) your non-payment of any monies owed to Protect+. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration.

The arbitrator’s award will be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement may be joined to an arbitration involving any other party subject to this Agreement, whether through a class action, private attorney general proceeding, class arbitration proceedings, or otherwise.

YOU UNDERSTAND THAT YOU WOULD HAVE HAD A RIGHT TO LITIGATE IN A COURT, TO HAVE A JUDGE OR JURY DECIDE YOUR CASE, AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. HOWEVER, YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION.

Section 22 – Class-Action Waiver.

To the extent permitted by applicable law, you and Protect+ agree that any dispute arising out of these Terms, our Website, or our Services is personal to you and Protect+ and that any disputes, if any, will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action, or any other type of similar proceeding.

Unless both you and Protect+ agree otherwise in writing, the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated and may not otherwise preside over any form of a representative or class proceeding. Notwithstanding any other clause contained in this Agreement, any Claim that all or part of this Class Action Waiver is unenforceable, unconscionable, void, or voidable may be determined only by a court of competent jurisdiction and not by an arbitrator.

Section 23 – Privacy Policy.

Please refer to our Privacy Policy which includes information about how we collect, use, and disclose information about you. Our Privacy Policy can be found here - https://www.protectplus.io/privacy-policy.

In order to operate and provide you with the best customer experience on our Website or in connection with our Services, Protect+ will collect certain information about you. You acknowledge and agree that when you use our Website or our Services, Protect+ may use various automatic means, which include but are not limited to, cookies and web beacons, to collect information about your mobile device, computer, your use of our Website, and your purchase or use of our Services.

Protect+ employs commercially reasonable safeguards to protect customer data in accordance with our Privacy Policy. In the event of a security breach involving customer data, Protect+ will notify affected merchants within 24 hours of discovery, as required by applicable law, and take reasonable steps to mitigate harm.

Our full Privacy Policy is shown at the bottom of our Website and is incorporated herein by reference as if fully set forth in this Section.

Section 24 – ADA Accessibility Statement.

Protect+ is committed to ensuring that our Website, merchant-branded portals, and related services (including package protection, returns/exchanges, and warranty support) are accessible to all users, including those with disabilities, in accordance with the Americans with Disabilities Act (ADA) and other applicable accessibility standards, such as the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. We strive to provide an inclusive digital experience that enables all users to access our services, submit claims, and manage their accounts independently and effectively.

Protect+ has implemented and continues to maintain the following measures to enhance accessibility:

  • Compatibility with Assistive Technologies: Our Website and portals are designed to be compatible with screen readers (e.g., JAWS, NVDA), voice recognition software, and other assistive technologies.
  • Navigation and Usability: We provide clear navigation, keyboard-accessible controls, and consistent layouts to support users with motor or visual impairments.
  • Text and Visual Elements: Our platforms use readable fonts, high-contrast color schemes, and alternative text for images to assist users with visual or cognitive disabilities.
  • Form and Claim Submission: Our merchant-branded portals for claim submissions and returns/exchanges are structured to be user-friendly, with clear instructions and accessible input fields for users with diverse abilities.
  • Ongoing Testing and Updates: We regularly test our Website and portals for accessibility compliance using automated tools and user feedback, making improvements as needed to maintain WCAG 2.1 Level AA standards.

Protect+ services are offered through third-party merchant websites and e-commerce platforms (e.g., Shopify, WooCommerce). While we strive to ensure that our integrated tools (e.g., widgets, APIs, and claim submission portals) meet accessibility standards, Protect+ does not control the accessibility of third-party websites or platforms. We encourage users to contact the respective merchant directly for accessibility concerns related to their website. Protect+ is responsible only for the accessibility of our own website, merchant-branded portals, and integrated tools, as outlined in this statement.

If you encounter any accessibility barriers while using our Website, portals, or services, or if you require alternative formats or accommodations (e.g., large print, audio descriptions, or assistance with claim submissions), please contact our accessibility support team at the email address listed on our Website. When reporting an issue, please provide:

  • A description of the accessibility issue.
  • The URL or specific page/portlet where the issue occurred.
  • The device, browser, or assistive technology you are using.
  • Your preferred method of communication (e.g., email, phone). We aim to respond to accessibility inquiries within five (5) business days and will work diligently to address your concerns or provide reasonable accommodations.

Protect+ is dedicated to continuously improving the accessibility of our Website and Services. We actively monitor developments in accessibility standards and technologies to ensure our Website and portals remain inclusive. Feedback from users is invaluable in helping us identify and address accessibility gaps, and we encourage you to share your suggestions or concerns with us.

While Protect+ strives to meet WCAG 2.1 Level AA standards, some content or features, particularly those provided by third-party platforms or newly released updates, may not be fully accessible at all times. We are not responsible for accessibility issues on third-party websites or for merchant-specific content outside our control. Any reliance on our Services for accessibility purposes is at your own risk, and we disclaim liability for any damages arising from accessibility barriers, except as required by applicable law.

Section 25 – General Provisions.

Entire Agreement. These Terms contain the entire agreement between you and Protect+ except for any Services-specific information provided to you at the time of purchase, which are incorporated herein by reference.

Waiver. The failure by Protect+ to enforce any provision of these Terms shall not be construed as a waiver or limitation of our right to subsequently enforce and compel strict compliance with every provision of these Terms.

Assignment. You may not assign, pledge, delegate, or otherwise transfer any of your rights or obligations under these Terms without Protect+ prior written consent.

Relationship. Nothing in these Terms shall create, or is intended to create an agency, employment, franchise, joint venture, or partnership relationship between you and Protect+. At all times, you and Protect+ are independently contracting third-parties.

Applicable Law. These Terms shall be governed by the laws of the State of Delaware.

Severability. If any provision of these Terms shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable.

Ambiguity. In the event of a conflict between these Terms and a merchant’s terms, these Terms shall govern with respect to Protect+ Services, except where a merchant’s policy imposes a shorter timeframe for claims, returns, or inspections, in which case the merchant’s policy shall take precedence.

Section 26 – Questions.

Our customer support team is happy to assist you! Reach out to us anytime at support@protectplus.io.

We appreciate your trust in Protect+ and look forward to assisting you.