This Guide to Benefits is not, by itself, a policy or contract of insurance, warranty, service contract, or other contract.
Benefits are provided to You, the Cardholder, at no additional charge. The benefits are provided under a Master Agreement issued by AIG WarrantyGuard, Inc. This Guide to Benefits is a summary of benefits
provided to You. The attached Key Terms and EOC is governed by the Master Agreement.
Effective date of benefits: This Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The contract holder and the obligor reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The contract holder can cancel these benefits at any time or choose not to renew the benefit for all Cardholders. If the contract holder cancels these benefits, You will be notified in advance. If We terminate, cancel or choose not to renew the Master Agreement, You will be notified as soon as is practicable. Coverage will still apply for any benefits You were eligible for prior to the date of such termination, cancellation or non-renewal, subject to the terms and conditions contained herein.
Benefits to You: These benefits apply only to Eligible Accounts issued in the United States. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than You shall have any legal or equitable right, remedy, or claim for benefits under or arising out of these programs. These benefits do not apply if Your card privileges have been cancelled. However, benefits will still apply for any benefit You were eligible for prior to the date that Your Eligible Account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: The coverage is not assignable, but the benefits may be assigned.
Intentional Misrepresentation and Fraud: If any request for benefits made under the Master Agreement is determined to be fraudulent, or if any fraudulent means or devices are used by You or anyone qualifying to obtain benefits under the Master Agreement, all benefits will be forfeited. No coverage is provided if You or anyone qualifying for coverage does the following: (1) Conceals or misrepresents any fact upon which We rely, if the concealment or misrepresentation is material and is made with the intent to deceive, or (2) conceals or misrepresents any fact that contributes to the loss.
Subrogation: If payment is made under these benefits, We are entitled to recover such amounts, to the extent of Our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to Us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.
LIMITATION OF LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AIG WARRANTYGUARD’S TOTAL LIABILITY (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE, PRODUCT LIABILITY OR STRICT LIABILITY), OR OTHERWISE), ARISING OUT OF OR RELATING TO THIS CONTRACT SHALL NOT EXCEED THE MAXIMUM CLAIM LIABILITY WITH RESPECT TO CLAIMS MADE IN ACCORDANCE WITH THE TERMS AND CONDITIONS SET FORTH HEREIN.
The Obligor shall not be deemed to provide coverage, and the Obligor shall not be liable to pay any claim or provide any benefit hereunder, to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose the Obligor, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide to Benefits is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Master Agreement, the Master Agreement shall control. Provision of services is subject to availability and applicable legal restrictions.