Terms & Conditions

These Terms & Conditions (“Agreement”) govern all purchases of warranty/service contracts (“Contracts”) from Auto Armor (“we”, “us”, “our”) and use of our website (the “Site”) by you (“you”, “your”, “Customer”). By purchasing a Contract or using the Site, you agree to be bound by this Agreement.

1. Agreement & Incorporation

The Declaration Page (or purchase agreement you receive), together with these Terms & Conditions, the Coverage Description, any endorsements, and any other attachments, form the entire agreement (“Contract”) between you and us.
No person or entity other than the parties to this Contract may change it or waive any of its provisions, except by written amendment signed by both you and us.

2. Definitions

You may want to define key terms used in your Contracts. Examples (adapt as needed):

Term

Definition

“Covered Vehicle”

The vehicle described in your Declaration Page (make, model, VIN)

“Breakdown”

The failure of a covered part due to a mechanical defect during normal use

“Covered Parts”

The parts specifically listed under your chosen Coverage level

“Deductible”

The dollar amount you must pay per repair visit, as shown on your Declaration Page

“Effective Date / Mileage”

The date and odometer reading at the time your Contract begins

“Expiration Date / Mileage”

The date or mileage at which the Contract terminates (whichever comes first)

“Maintenance Requirements”

The manufacturer recommended maintenance (oil changes, scheduled services, etc.) that you must follow to maintain coverage

3. Term & Coverage

Coverage begins on the Effective Date (or after any waiting period, if applicable) and continues until the Expiration Date or Expiration Mileage, whichever occurs first.
Any waiting period (e.g., 30 days / 1,000 miles) before you may submit claims should be clearly stated.
You must maintain the vehicle in accordance with the manufacturer’s maintenance schedules. Keep all receipts and records of service.

4. Claims, Repair Authorization & Payment

All claims must be submitted through our authorized process (e.g., via portal, phone, or email), and repairs must be pre-authorized by us.
We shall pay or reimburse for covered repairs, less your deductible. We may require repair estimates or documentation.
We may require you to use a licensed repair facility or one of our approved network shops.
We may use new, remanufactured, or like-kind replacement parts at our discretion.
We are not obligated to pay for costs above the manufacturer’s suggested retail price for parts or standard labor rates as published in recognized labor guides.

5. Exclusions & Limitations

The Contract does not cover failures caused by misuse, negligence, accidents, modifications, alterations, abuse, racing, off-road use, or lack of maintenance.
Pre-existing conditions (i.e., defects that existed before the Contract effective date) are excluded.
Damage due to collisions, environmental damage, theft, or consequential damages (such as loss of use) is typically excluded.
Wear-and-tear on non-covered parts is not covered.
You cannot submit a claim for diagnostic or dismantling unless it results in a covered repair.
If state law imposes certain protections (e.g., implied warranties), this Contract will comply to the extent required.

6. Cancellation / Termination & Refund

You may cancel the Contract at any time by notifying us in writing or as directed, providing your odometer reading, reason for cancellation, etc.
If no claims have been filed and cancellation is within a certain period (e.g., first 30 or 60 days), we may refund the full Contract price (less any processing or administrative fees).
After that period, refunds are prorated based on time or mileage used, less any claims paid and less a cancellation fee.
We may also cancel the Contract for nonpayment, material misrepresentation, or breach of your obligations. In that event, we will refund unearned amounts on a pro rata basis (less claims).
If the vehicle is declared a total loss, repossessed, or stolen, the Contract may be terminated and the refund handled accordingly.
If your Contract is financed, refund checks may be payable to the lienholder or funding company as required.
Refunds must be made within a specified timeframe (e.g., within 30 days of cancellation request) per applicable state laws. (See examples from Integrity Warranty’s cancellation policy)
Integrity

7. Transferability

Some Contracts may be transferable to a subsequent owner of the vehicle, subject to conditions (e.g., a transfer fee, notice within certain days).

The transferable party must provide proof of ownership, odometer reading, etc.

8. Dispute Resolution / Arbitration

Any dispute arising under or relating to this Contract may be resolved via binding arbitration under [specify jurisdiction/rules] or, if state law prohibits, through courts of a mutually agreed jurisdiction.
You may waive the right to class action (i.e., arbitration only applies individually).
Some states require an arbitration or dispute resolution clause. (See sample service contract with arbitration clause)

9. Limitation of Liability

Our liability is limited to repair or replacement of covered parts, or monetary reimbursement as specified.
We are not liable for incidental, consequential, or punitive damages, including loss of use, downtime, or inconvenience.
Some states do not allow limitations on incidental or consequential damages; in such states, our liability will be limited to the maximum extent permitted by law.

10. Governing Law & Severability

This Agreement is governed by the laws of the state in which the Contract was issued, except where superseded by federal or state mandates.
If any provision is held invalid or unenforceable, that provision shall be severed, and the remaining terms shall stay in effect.

11. Notices

All notices must be in writing (e.g., via email, certified mail) and delivered to addresses listed in the Declaration Page or our contact information on the Site.

12. Amendments

We reserve the right to update or amend these Terms & Conditions; any changes will apply only prospectively (they won’t affect existing Contracts unless expressly agreed).