Because your product is primarily a service/warranty contract, “returns” in the traditional sense may not apply, but “cancellation/refund” is essential.

1. Cancellation by Customer

You may cancel your Contract for any reason by contacting us in writing or by following our cancellation procedure, providing:

  • Contract number or Declaration Page
  • Your name, address, and contact information
  • Odometer reading at cancellation date
  • Reason for cancellation

We will process your cancellation upon confirmation.

2. Refunds

  • Within the initial “free-look” period: If you cancel within [e.g., first 30 or 60 days] and have not filed any claim, you may receive a full refund of the purchase price (less any administrative fee).
  • After the free-look period: We will refund a pro rata portion of the Contract price based on time or mileage used (whichever yields a lesser refund), less claims already paid and any cancellation fee.
  • Refunds will be made within [e.g., 30 days] of receipt and confirmation of the cancellation request.
  • If your Contract is financed, any refund may be payable to the lienholder or funding company, as required by law or the financing agreement.
  • In the event of a total loss, repossession, or theft, the Contract will be terminated and the refund handled accordingly.

3. Cancellation by Us

We may cancel the Contract for:

  • Nonpayment
  • Material misrepresentation
  • Breach of your maintenance obligations or misuse of the vehicle

If we cancel, we will refund the unearned portion (prorated) less any claims already paid.

4. No Traditional “Returns”

Because a service/warranty contract is intangible, there is no physical return of the product. The above cancellation/refund provisions constitute your remedy.

5. State Law Compliance

Some states mandate certain refund obligations regardless of your policy. We will comply with state requirements and any required disclosures.