Ifit Extended Warranty Program
INSURANCE POLICY
Thank You for Your recent purchase of the IFIT Fitness Extended Warranty Insurance Policy
Please read all documents carefully and make sure You understand fully what is covered and what is not covered, also ensuring You comply with all the policy conditions as a breach of a condition can invalidate Your policy and may mean that any claims made will not be paid.
If any of the details shown in the Policy Schedule are incorrect, please contact the Policy Administrator immediately.
Please keep all documents together with the proof of purchase in a safe place, as You may be asked to refer to them in the event of a claim.
About Your insurance Policy
This insurance policy is administered by Servify UK Ltd and is underwritten by AmTrust Europe Limited.
UNDERSTANDING YOUR POLICY Please read the policy together with Your Policy Schedule carefully and make sure You understand and fully comply with its terms and conditions as failure to do so may jeopardise the payment of any claim that might arise. Please ensure You keep it in a safe place so You can refer to it again if You need to.
GIVING US ALL OF THE IMPORTANT INFORMATION. In deciding to accept this insurance We have relied on the information You have given. You must take reasonable care to provide complete and accurate answers to the questions We ask when You take out, make changes to, and renew Your policy. If the information provided by You is not complete and accurate: • We may cancel Your policy and refuse to pay any claim, or • We may not pay any claim in full, or • We may revise the premium, or • the extent of the cover may be affected.
If You become aware that any information You have given is incomplete or inaccurate, please contact Us as soon as possible.
THE COVER “This policy allows You to extend the Manufacturer’s Warranty which was provided with the Insured Equipment.”
DEFINITIONS The words and phrases defined below have the same meaning wherever they appear in Your policy document and are shown in bold italics throughout.
Authorised Repairer/ Service Centre means the business authorised by Us which provides a repair to the Insured Equipment
Administrator means Servify UK Ltd. Servify is a company incorporated under UK law with its registered office at 2 Smiths Square 77 Fulham Palace Road London W6 8AF. The company is authorised to perform activities in The United Kingdom and is registered with the FCA (Financial Conduct Authorities) under number 959267.
Insured Equipment means the product You purchased from IFIT. You can protect your equipment with the Policy Administrator within 1 year after purchase.
Insurer means: Amtrust Europe Limited whose registered office is at Market Square House, St James’s Street, Nottingham, NG1 6FG, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial services register number 202189. These details can be checked on the Financial Services Register by visiting: www.fca.org.uk.
Manufacturer’s Warranty means the period where the manufacturer will resolve any defects arising from Mechanical Breakdown /Electrical Breakdown.
Mechanical Breakdown /Electrical Breakdown means the internal failure or burning out of any component part of Your Insured Equipment whilst in ordinary use necessitating repair or replacement before it can resume normal operation.
Negligence means failure to exercise the care that You could reasonably be expected to exercise under the circumstances. Period of Insurance means the period for which You have chosen to extend Mechanical or Electrical Breakdown cover for Your Insured Equipment.
This period is shown in Your Policy Schedule. The options available are: a period of twelve (12), thirty-six (36) or sixty (60) months, starting on the date immediately after the termination date of the Manufacturer’s Warranty.
Policy Schedule -means the document which confirms the insurance cover, the Period of Insurance, Your details and the Insured Equipment on cover. This document will be reissued following any change You make to the policy.
Purchase Price means the purchase value of the Insured Equipment including VAT, but excluding any discounts granted by the sales assistant, as stated on Your Policy Schedule.
Replacement Equipment means: Equipment that is provided by the Insurer to replace Your Insured Equipment. This will be identical to the Insured Equipment (with the exception of colour). If identical equipment is no longer available to the Claims Administrator, You will be given Replacement Equipment that, in the opinion of the Claims Administrator is equivalent to the Insured Equipment. Replacement Equipment is always new or refurbished equipment.
We/Us/Our means any of the Administrator or Insurer as applicable
You/Your/Policyholder means: The person named in Your Policy Schedule who must be resident in the United Kingdom and is 18 years old or over.
2. WHAT IS COVERED
2.1 We will repair the Insured Equipment when required due to a Mechanical or Electrical Breakdown. The Insured Equipment must fail during normal usage. Parts will be replaced with those of similar quality, which may be new, or refurbished.
2.2 We will replace the Insured Equipment if it cannot be repaired, or if the cost of the repair exceeds the original purchase price, or if parts are no longer available. In these circumstances, the Insured Equipment will be replaced with a product of equal or similar features and functionality.
2.3 If, during the Period of Insurance, there have been three (3) repairs completed on the same component of the Insured Equipment and the component requires a fourth repair, as determined by Us, We will replace it with a product of comparable performance. Upon replacement, there is no longer any cover for the Replacement Equipment under this Insurance Policy.
3. WHAT IS NOT COVERED
3.1 This insurance does not cover:
a) Products not shown in Your Policy Schedule;
b) Any product used in a commercial setting or on a rental basis;
c) Unauthorized repairs and/or parts;
d) Cost of installation, set-up, diagnostic charges, removal or reinstallation of the Insured Equipment;
e) Accessories used in conjunction with the Insured Equipment;
f) Breakdown or failure which occurs during the Manufacturer’s Warranty;
g) Parts or repairs that have suffered normal wear and tear (unless part of a Breakdown) and items normally designed to be periodically replaced by You during the life of the Insured Equipment; for example: batteries, cables, handlebars, light bulbs, seat posts, tires, tubes, etc.;
h) Failures that occur outside of the UK;
i) Cosmetic damage to the Insured Equipment that has no effect on the functionality of the Insured Equipment, to include marring, scratching and denting. This exclusion also includes damage to non-functional parts – for example: shelves, drawers, knobs, rollers, baskets, handles;
j) Periodic check-ups and/or preventative maintenance as directed by the manufacturer;
k) Inherent product defects or parts failure due to a recall;
l) Failures that result from faults that occur prior to the start of this insurance and/or any product sold “asis” for example: floor models, demonstration models, etc;
m) Mechanical Breakdown or Electrical Breakdown damage resulting from accident, abuse, misuse, mishandling, negligence, introduction of foreign objects into the Insured Equipment, unauthorized modifications or alterations to a Insured Equipment, any Insured Equipment with removed or altered serial numbers, failure to follow the manufacturer’s instructions, external causes including third party actions, fire, theft, insects, animals, exposure to Weather conditions, extreme temperature, windstorm, sand, dirt, hail, earthquake, flood, water or any loss that is not directly associated with the incident that caused the claim. For example, the cost of damage to the floor caused by the breakdown of the Insured Equipment;
n) Any claim resulting from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind.
o) Loss of data or any Mechanical Breakdown or Electrical Breakdown damage caused by a computer or software virus;
p) Mechanical Breakdown or Electrical Breakdown which is not reported within the Period of Insurance
q) Failure as a result from rust or corrosion on any Insured Equipment or Part thereof
r) Abnormal variation of electricity or water supply;
s) Mechanical Breakdown or Electrical Breakdown damage incurred while moving the Insured Equipment to another location;
t) Modifications to meet changes in local codes and regulations;
u) Improper installation of components;
v) We shall not be liable to pay any claim or provide any benefit under this policy if the provision of such cover, payment of such claim or provision of such benefit would expose Us to any sanctions, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union,
4. CONDITIONS
4.1 Policy Period The start and finish dates are shown in the Policy Schedule. A fixed policy period of twelve (12), thirty-six (36) or sixty (60) months applies, depending on the period which You have selected provided that the total premium for the policy period has been paid. You must register Your Insured Equipment no later than 30 calendar days after the purchase of the Insured Equipment.
4.2 Repair and Replacement Equipment We may, at Our sole discretion: • repair or replace the Insured Equipment (with Replacement Equipment) or • pay You a sum of money equal to the costs that We would incur to provide You with Replacement Equipment with functionality that comes as close as possible to the Insured Equipment, in Our opinion.
4.3 Limit of Liability Our liability is limited to the option below which entails the lowest cost: (1) the purchase price of the Insured Equipment excluding tax and delivery costs or (2) authorised repairs that will not exceed the purchase price of the Insured Equipment or (3) replacement of the Insured Equipment with a product with equal or similar features and functionality or (4) reimbursement for authorised repairs or replacement. Please note: The replacement product will not to be covered under this policy.
4.4 Fraud We take a robust approach to fraud prevention in order to keep premium rates down so that You do not have to pay for other people’s dishonesty. If any claim made by You or anyone acting on Your behalf under this insurance is fraudulent, deliberately exaggerated or intended to mislead, We may: • not pay Your claim; and • recover (from You) any payments We have already made in respect of that claim; and • terminate Your insurance from the time of the fraudulent act; and • inform the police of the fraudulent act. If Your insurance is terminated from the time of the fraudulent act, We will not pay any claim for any incident which happens after that time and may not return any of the insurance premium(s) already paid.
4.5. REPORTING A CLAIM 4.5.1 Upon discovering an issue which may give rise to a claim, You should inform the Claims Administrator within 14 days after the discovery of the event or, if this is not possible, as soon as possible. You can do this by calling the Claims Administrator on by calling +44-(0)208-068 5782. or by email to eu_support@servify.tech. 4.5.2 Ensure that any repair work carried out on the Insured Equipment, is undertaken by an Authorised Repairer as instructed by the Claims Administrator. 4.5.3 Complete and return the claim form as required by the Claims Administrator within 30 days of the incident date together with any other requested documentation.
4.6 Changes to The Insured Equipment or Other Information If any information You provided when You took out this policy changes (such as Your postal or email address or telephone number), You must tell the Policy Administrator. Changing the Insured Equipment is only possible if the product is a new, properly functioning and undamaged and the change has been communicated to the Policy Administrator within 7 days after the purchase date. The Policy Administrator may ask You to provide the original purchase receipt of the new product. We are not liable for the costs of repairing or replacing equipment other than the registered Insured Equipment. You can contact the Policy Administrator by calling +44-(0)208-068 5782; by sending an email to: eu_support@servify.tech Or in writing to: Servify UK Ltd. with its registered office at 2 Smiths Square 77 Fulham Palace Road London W6 8AF
5. POLICY CANCELLATION
5.1 You have the right to cancel Your policy within the cooling off period which is 45 days after: • The purchase of this policy or; • The day on which You receive the full general terms and conditions of Your policy, whichever is the later. You will receive a full refund of any premium already paid.
5.2 If You cancel this policy after the cooling off period You will receive a full refund or pro rata refund of the unused premium depending on the coverage start date of the extended warranty after the manufacturer warranty period. To cancel please contact the Policy Administrator by calling +44-(0)208-068 5782; by sending an email to eu_support@servify.tech Or in writing to: Servify UK Ltd. with its registered office at 2 Smiths Square 77 Fulham Palace Road London W6 8AF.
5.3 Our Right To Cancel: We cannot cancel this policy, unless You do not pay the premium when due or We have reason to suspect fraud.
6. CHANGES TO YOUR POLICY
We may make changes immediately and advise You within 30 days of the change having been made if the change is favourable to You. A favourable change could include a reduction in the rate of Insurance Premium Tax, a general reduction in the price of Your policy or an improvement to the cover and benefits (such as an increased limit of cover).We may change the terms and conditions of Your policy at any time in so far as they have no material impact on You according to the criteria of reasonableness and fairness. If there is a change to the risk which means that We can no longer provide You with insurance cover, or if You display threatening or abusive behaviour towards Us or the Policy Administrator: We will give 60 days notice, in writing to the most recent address that We have for You, that Your policy will be cancelled.
7. COMPLAINTS
7.1 If You have a complaint about the way this insurance cover was sold to you please report Your complaint to the Policy Administrator by calling +44-(0)208-068 5782; by sending an email to: eu_support@servify.tech or in writing to Complaints Manager, Servify UK Ltd. with its registered office at 2 Smiths Square 77 Fulham Palace Road London W6 8AF who will contact you within three days of receiving your complaint to inform you of what action we are taking. They will try to resolve the problem and give you an answer within four weeks. If it will take longer than four weeks they will tell you when you can expect an answer.
7.2 What to do if You have a complaint about the way a claim has been managed: The Claims Administrator will do everything possible to provide You with a professional and reliable service. If You would like to make a complaint, please report Your complaint to the Claims Administrator.
You can contact the Claims Administrator by calling: +44-(0)208-068 5782, or by email to eu_support@servify.tech. or in writing to: The Complaints Manager Servify UK Ltd. with its registered office at 2 Smiths Square 77 Fulham Palace Road London W6 8AF.
They will contact you within three days of receiving your complaint to inform you of what action is being taken. They will try to resolve the problem and give you an answer within four weeks. If it will take longer than four weeks they will tell you when you can expect an answer. Alternatively, at any stage, you may have the right to contact the Financial Ombudsman Service who can review complaints from eligible complainants. Further information can be found at: http://www.financialombudsman.org.uk/default.htm This complaints procedure does not affect any legal right you have to take action against us. If You wish to complain about an insurance policy purchased online You may be able to use the European Commission’s Online Dispute Resolution platform, which can be found at the following address: http://ec.europa.eu/consumers/odr. These procedures do not affect Your legal rights.
8. PRIVACY AND DATA PROTECTION NOTICE
In this section We/Us/Our refers to the Administrator – Servify UK Limited. We will keep Your personal information safe and private. There are laws that protect Your privacy, and We follow them carefully. Under the laws, We are the company responsible for administering Your insurance plan information and managing Your claims (Data Controller). Below is a simple explanation of how We use Your personal information. For more detailed information, please read Our privacy notice on web page https://servify.fistbumpdigital.com/uk/privacy-policy statement-english.
9. What we do with your personal information
We use the information We have about You for different reasons. a. to establish and administer Your insurance plan b. to help You if You have any queries or wish to change Your data c. to manage and process Your insurance claims d. to contact You to ask if You want to renew Your plan e. to provide You with information about Your plan f. to send You information about related products and services g. for research or statistics h. to protect both You and Us against fraud and money laundering i. to comply with the law and any regulations that apply We might need to share Your information with other companies or people who provide a service to Us, or to You on Our behalf. They include companies that are part of Our group, people We work with, Our agents, repair partners, logistics providers, insurers, fraud detection agencies, regulatory authorities, and anyone else We might need to share it with by law. We will only share Your information with them if We need to and if it is allowed by law.
Sometimes We might need to send Your information to another country outside of the UK so that it can be processed, (stored etc). We currently send it to Germany. We make sure that Your information is always kept safely, transferred, and treated in line with the law and this notice.
You can ask Us to show You with the information We have about You and, if there are any mistakes or updates, You can ask us to correct them. You can also ask Us to delete Your information (although there are somethings We cannot delete by law). You can also ask Us to give You a copy of Your information in a format that You can send to another Data Controller. If You think We did something wrong with Your information, You can complain to us or to Your local data protection authority.
We will not keep Your information longer than We need to. We will usually keep it for two (2) years after Your plan expires unless We must keep it longer for other business or regulatory reasons.
If You have any questions about how We use Your information, You can contact Our Data Protection Officer via email dataprivacy.office@servify.fistbumpdigital.com
10. ENGLISH LAW
This insurance shall be subject to English Law.
11. Information relating to the remuneration
Servify UK Ltd receives a commission per insurance policy for the conclusion and administration of the insurance contract from the insurer, which is included in the amount of an insurance premium. Servify UK Ltd does not receive any fees or any commission from the policyholder in connection with the insurance contract.
