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📋 Rules & Regulations

Complete Coverage Guidelines & Terms

Understanding your ProtectSmart Full Purchase Value Protection coverage is important. These comprehensive guidelines outline what's covered, requirements, and processes to ensure you get the maximum benefit from your protection plan.

ProtectSmart Full Purchase Value Protection

Comprehensive coverage that reimburses the full purchase value of your protected device when it experiences covered mechanical or electrical failures, or power surge damage beyond the manufacturer's warranty period.

🔰 Welcome to ProtectSmart Protection

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.

🚨 MANDATORY ACKNOWLEDGMENT REQUIRED

You CANNOT purchase any ProtectSmart plans until you complete this agreement below

Step 1: Confirm You Have Read All Rules

I have read the complete Rules & Regulations document in its entirety *

I understand what is covered and what is excluded from coverage *

I understand the claims process and my responsibilities *

I agree to be bound by all terms, conditions, and regulations outlined *

Step 2: Digital Signature Required

Full Legal Name (Digital Signature) *

Date of Agreement

Legal Notice: By typing your name above, you are providing a legally binding electronic signature and acknowledging that you have read, understood, and agree to all Rules & Regulations.

Only after completing this acknowledgment can you proceed to purchase ProtectSmart plans

🔒 Purchase Access Blocked

All ProtectSmart plan purchases are currently blocked until you complete the mandatory Rules & Regulations acknowledgment above. This ensures you fully understand your coverage before making any financial commitment.

⚡ What's Covered

Your ProtectSmart protection covers specific types of device failures and damage. Review these coverage details to understand when your protection applies.

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✅ What We Cover

Your Full Purchase Value Protection includes:

1. Mechanical or Electrical Failure

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

2. Power Surge Damage

Electrical surge-related malfunctions from outlet or charging issues

Lightning or power grid surge damage

Coverage for electrical damage only

❌ What's NOT Covered (Exclusions)

It's important to understand what situations and types of damage are not covered by your ProtectSmart protection plan.

Concept of justice, law and legal system

❌ What We Do Not Cover

To maintain low costs and high payout integrity for legitimate claims, the following are not covered under any ProtectSmart plan:

🚫 Physical Damage of Any Kind

Drops, cracks, or broken screens

Water damage, spills, or liquid exposure

Impact damage from falls or drops

Any visible physical damage

ProtectSmart ONLY covers internal component wear and natural degradation - NO external physical damage of any kind.

🚫 Theft or Loss

Lost, stolen, or misplaced devices

Theft from cars, homes, or public spaces

🚫 Intentional or Negligent Damage

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

🚫 Cosmetic or Minor Issues

Scratches, dents, scuffs, or paint wear that do not affect functionality

Cracked bezels or frames where the device still operates normally

🚫 Software, App, or Virus Issues

Any software bugs, virus damage, or user-installed apps

Corrupt OS not caused by hardware failure

🚫 Battery & Third-Party Products

Natural battery degradation over time

Any accessories, add-ons, or non-original components

External monitors, chargers, or docking stations

📦 What Makes ProtectSmart Different

Unlike traditional extended warranties that:

Depreciate your payout based on age

Force you into repair-only options

Require months of back-and-forth forms

ProtectSmart does it better:

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

Full Value

100% original purchase price

Fast Process

1-3 business days

Multiple Payouts

ACH, Cash App, Visa

Flexible Support

Onsite, Zoom, or in-store

📋 Requirements & Process

Follow these requirements and processes to ensure your claims are processed smoothly and efficiently.

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📑 Eligibility Requirements for Claims

To ensure fair and accurate coverage, the following must be submitted during claim filing:

Original Proof of Purchase

Receipt, invoice, or email confirmation from a verified retailer

Device Serial Number

Must match the registered device on file

Incident Description

Detailed explanation of what happened, how, and when

Verification Appointment

Must complete one of the following within 7 days of claim:

• Onsite technician inspection
• Zoom consultation
• Visit to a ProtectSmart claim location

🕒 Timing Requirements

Registration

You must register your device with ProtectSmart within 72 hours of purchase.

Claim Filing

Claims must be filed within 10 business days of the incident.

Approval & Payout

Claim approval and payout typically occur within 1–3 business days after verification.

🧾 Reimbursement Options

Once approved, you will receive your full reimbursement via:

🔄 Direct Deposit (ACH)

Fast and secure bank transfer

💳 Visa Gift Card (prepaid)

Convenient prepaid card option

📲 Cash App (if available)

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.

📞 Support & Legal Information

Important details about fraud prevention, support contacts, and comprehensive coverage summary.

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📉 Fraudulent Claims or Misuse

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

📞 Need Help?

Our support team is available 24/7 via:

Live Chat

In App or Website

Email Support

support@protectsmart.app

Phone Support

1-888-PRO-TECT

We're happy to help you clarify eligibility before submitting a claim.

🧠 Summary Snapshot

Covered	Not Covered
Hardware failure and malfunctions	Drops, cracks, or broken screens
Internal component wear and natural degradation	Water damage, spills, or liquid exposure
Manufacturing defects after warranty expires	Impact damage from falls or drops
Power surge and electrical component failures	Lost or stolen devices
Full purchase value reimbursement	Battery wear & tear
Fast ACH or Visa card payout	Apps, software, and viruses