Last Updated: [Insert Date]
Effective for all plans purchased after: [Insert Date]
Thank you for choosing ProtectSmart Full Purchase Value Protection — the modern way to safeguard your tech investments. Our service is designed to provide full reimbursement of your device's original purchase value in the event of qualified accidental damage or mechanical failure.
This Rules & Regulations page outlines what your plan does and does not cover, and what to expect during the claim process. Please read carefully to ensure you understand your rights, coverage limitations, and responsibilities as a plan holder.
Your Full Purchase Value Protection includes:
Sudden internal hardware failure not caused by user damage
Power issues (failure to power on, short-circuiting after warranty expiry)
Malfunctioning ports, non-responsive keyboards or screens due to hardware failure
Operating system failure caused by hardware malfunction
Electrical surge-related malfunctions from outlet or charging issues
Lightning or power grid surge damage
Coverage for electrical damage only
To maintain low costs and high payout integrity for legitimate claims, the following are not covered under any ProtectSmart plan:
Drops, cracks, or broken screens
Water damage, spills, or liquid exposure
Impact damage from falls or drops
Any visible physical damage
Lost, stolen, or misplaced devices
Theft from cars, homes, or public spaces
Devices broken due to obvious abuse, tampering, or negligence
Devices damaged as a result of disassembly or unauthorized repair
Repetitive claims for the same device indicating misuse
Scratches, dents, scuffs, or paint wear that do not affect functionality
Cracked bezels or frames where the device still operates normally
Any software bugs, virus damage, or user-installed apps
Corrupt OS not caused by hardware failure
Natural battery degradation over time
Any accessories, add-ons, or non-original components
External monitors, chargers, or docking stations
Depreciate your payout based on age
Force you into repair-only options
Require months of back-and-forth forms
Full reimbursement of your original purchase value — not a depreciated amount
Fast payouts via ACH, Cash App, or Visa Card — not store credits or mail checks
No repair waiting periods — you decide what to buy next
Flexible claim options: Onsite, Zoom, or in-store evaluations
100% original purchase price
1-3 business days
ACH, Cash App, Visa
Onsite, Zoom, or in-store
To ensure fair and accurate coverage, the following must be submitted during claim filing:
Receipt, invoice, or email confirmation from a verified retailer
Must match the registered device on file
Detailed explanation of what happened, how, and when
Must complete one of the following within 7 days of claim:
You must register your device with ProtectSmart within 72 hours of purchase.
Claims must be filed within 10 business days of the incident.
Claim approval and payout typically occur within 1–3 business days after verification.
Once approved, you will receive your full reimbursement via:
Fast and secure bank transfer
Convenient prepaid card option
Available in your country
Important: We do not issue partial credits or device replacements. You decide how to replace your item using the full value payout.
ProtectSmart reserves the right to:
Deny any claims that appear to be fraudulent or intentionally misleading
Limit coverage if repeated damage or excessive claims suggest misuse
Deactivate accounts engaged in manipulation of proof, receipts, or device IDs
Our support team is available 24/7 via:
In App or Website
support@protectsmart.app
1-888-PRO-TECT
We're happy to help you clarify eligibility before submitting a claim.
| Covered | Not Covered |
|---|---|
|
Hardware failure and malfunctions
|
Drops, cracks, or broken screens
|
|
Power surge and electrical damage
|
Water damage, spills, or liquid exposure
|
|
Internal component failures
|
Any visible physical damage
|
|
Malfunctions outside manufacturer warranty
|
Lost or stolen devices
|
|
Full purchase value reimbursement
|
Battery wear & tear
|
|
Fast ACH or Visa card payout
|
Apps, software, and viruses
|
You deserve better than outdated warranties. With ProtectSmart, you get:
Join thousands of satisfied customers who've made the smart choice.