Common use of Cancellations and Refunds Clause in Contracts

Cancellations and Refunds. If You are not satisfied with the manner in which We are handling a claim on the contract, You may contact the Commissioner by calling (000) 000-0000. You may cancel this Agreement by returning the service contract to Us within 20 days of your receipt of the service contract (the “free-look period”) and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after the free-look period, or if a claim has been paid during the free-look period, You will receive a pro-rata refund of the Contract Fee, less a $25.00 cancellation fee. If You request cancellation of this Agreement within the free-look period and the refund is not paid or credited within 45 days after return of the Agreement to Us, a 10% penalty will be added to the refund for every 30 days the refund is not paid. This provision applies only to the original purchaser of the Agreement. Any such refund may be credited to an outstanding balance of Your account, and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contract. We may cancel this Agreement if the reason for cancellation is nonpayment by You of the Contract Fee, or a material misstatement by You relating to the covered property or its use, an act or omission by You, or a violation by You of any condition of the service contract, which occurred after the effective date of the service contract and which substantially and materially increases the service required under the service contract, however, no such cancellation may become effective until at least 15 days after the notice of cancellation is mailed to you. You will receive a pro-rata refund of the Contract Fee.

Cancellations and Refunds. If You This Agreement may be cancelled by the provider only for nonpayment of the provider fee, material misrepresentation by the contract holder to the provider or administrator, or substantial breach of duties by the service contract holder relating to the covered product or its use. In the event of a total loss of property covered by this Agreement that is not covered by a replacement of the property pursuant to the terms of this Agreement, you are not satisfied with the manner in which We are handling entitled to cancel this Agreement without a claim on the contractcancellation fee, You may contact the Commissioner by calling (000) 000-0000less any claims paid. You may cancel this Agreement by returning the service contract to informing Us of Your cancellation request within 20 30 days of your receipt the purchase of the service contract (the “free-look period”) Agreement and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after more than 30 days from the free-look perioddate of purchase, or if a claim has been paid during within the free-look periodfirst 30 days, You will receive a pro-rata refund of the Contract Fee, minus any paid claims and less a $25.00 cancellation feean administrative fee not to exceed 10% of the Contract Fee. If You request cancellation of this Agreement within thirty (30) days of the free-look period purchase date of the Agreement and the refund is not paid or credited within 45 forty-five (45) days after return of the Agreement to Us, a ten percent (10% %) penalty will be added to the refund for every 30 thirty (30) days the refund is not paid. This provision applies only to the original purchaser of the Agreement. If You cancel this Agreement, the administrative fee shall not exceed the lesser of 10% of the Contract Fee or twenty-five dollars ($25.00). Any such refund may be credited to an any outstanding balance of Your account, account and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contract. If We may cancel this Agreement We must provide You with a written notice at least 5 days prior to cancellation at Your last known address, with the effective date for the cancellation and the reason for cancellation. Prior notice is not required if the reason for cancellation is nonpayment by You of the Contract Fee, or a material misstatement by You relating to the covered property or its use. If We cancel this Agreement, an act or omission by You, or You will receive a violation by You of any condition refund based upon one-hundred percent (100%) of the unearned pro-rata Contract Fee of this Agreement. THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. WYOMING RESIDENTS ONLY: Holding a service contractcontract covering a home in Wyoming: Cancellations and Refunds The following terms, which occurred after restrictions or conditions shall govern cancellation of this service contract prior to the effective termination or expiration date of the service contract and which substantially and materially increases by either the provider or by the service required under contract holder. APHW shall mail a written notice to the service contract, however, no such cancellation may become effective until contract holder at the last known address of the service contract holder contained in the records of the provider at least 15 ten (10) days after prior to cancellation by the provider. Prior notice of cancellation is mailed to you. You will receive a pro-rata refund not required if the reason for can- cellation is nonpayment of the Contract Fee.provider fee, a material misrepresentation by the 10 of 12 - DTC2020A service contract holder to APHW or a substantial breach of duties by the service contract holder relating to the covered product or its use. The original service contract holder may return the service contract within twenty

Cancellations and Refunds. If You are not satisfied with the manner in which We are handling a claim on the contract, You may contact the Commissioner by calling (000) 000-0000. You may cancel this Agreement by returning the service contract to informing Us of Your cancellation request within 20 30 days of your receipt the purchase of the service contract (the “free-look period”) Agreement and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after more than 30 days from the free-look perioddate of purchase, or if a claim has been paid during within the free-look periodfirst 30 days, You will receive a pro-rata refund of the Contract Fee, minus any paid claims and less a $25.00 cancellation feean administrative fee not to exceed 10% of the Contract Fee. If You request cancellation of this Agreement within thirty (30) days of the free-look period purchase date of the Agreement and the refund is not paid or credited within 45 forty-five (45) days after return of the Agreement to Us, a ten percent (10% %) penalty will be added to the refund for every 30 thirty (30) days the refund is not paid. This provision applies only to the original purchaser of the Agreement. If You cancel this Agreement, the administrative fee shall not exceed the lesser of 10% of the Contract Fee or twenty-five dollars ($25.00). Any such refund may be credited to an any outstanding balance of Your account, account and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contract. If We may cancel this Agreement Agreement, We must provide You with a written notice at least 5 days prior to cancellation at Your last known address, with the effective date for the cancellation and the reason for cancellation. Prior notice is not required if the reason for cancellation is nonpayment by You Nonpayment of the Contract Fee, or a material misstatement by You relating to the covered property or its use. If We cancel this Agreement, an act or omission by You, or a violation by You of any condition of the service contract, which occurred after the effective date of the service contract and which substantially and materially increases the service required under the service contract, however, no such cancellation may become effective until at least 15 days after the notice of cancellation is mailed to you. You will receive a refund based upon one-hundred percent (100%) of the unearned pro-rata refund Contract Fee of the Contract Feethis Agreement.

Cancellations and Refunds. If You are not satisfied with the manner in which We are handling a claim on the contract, You may contact the Commissioner by calling (000) 000-0000. You may cancel this Agreement by returning the service contract to Us within 20 days of your receipt of the service contract (the “free-look period”) and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after the free-look period, or if a claim has been paid during the free-look period, You will receive a pro-rata refund of the Contract Fee, less a $25.00 cancellation any lawfully permissible fee. If You request cancellation of this Agreement within the free-look period and the refund is not paid or credited within 45 days after return of the Agreement to Us, a 10% penalty will be added to the refund for every 30 days the refund is not paid. This provision applies only to the original purchaser of the Agreement. Any such refund may be credited to an outstanding balance of Your account, minus a $25.00 fee, and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contract. We may cancel this Agreement if the reason for cancellation is nonpayment by You of the Contract Fee, or a material misstatement by You relating to the covered property or its use, an act or omission by You, or a violation by You of any condition of the service contract, which occurred after the effective date of the service contract and which substantially and materially increases the service required under the service contract, however, no such cancellation may become effective until at least 15 days after the notice of cancellation is mailed to you. You will receive a pro-rata refund of the Contract Fee.

Cancellations and Refunds. If You are not satisfied with the manner in which We are handling a claim on the contract, You may contact the Commissioner by calling (000) 000-0000. You may cancel this Agreement by returning the service contract to informing Us of Your cancellation request within 20 30 days of your receipt the purchase of the service contract (the “free-look period”) Agreement and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after more than 30 days from the free-look perioddate of purchase, or if a claim has been paid during within the free-look periodfirst 30 days, You will receive a pro-rata refund of the Contract Fee, minus any paid claims and less a $25.00 cancellation feean administrative fee not to exceed 10% of the Contract Fee. If You request cancellation of this Agreement within thirty (30) days of the free-look period purchase date of the Agreement and the refund is not paid or credited within 45 forty-five (45) days after return of the Agreement to Us, a ten percent (10% %) penalty will be added to the refund for every 30 thirty (30) days the refund is not paid. This provision applies only to the original purchaser of the Agreement. If You cancel this Agreement, the administrative fee shall not exceed the lesser of 10% of the Contract Fee or twenty-five dollars ($25.00). Any such refund may be credited to an any outstanding balance of Your account, account and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contract. If We may cancel this Agreement We must provide You with a written notice at least 5 days prior to cancellation at Your last known address, with the effective date for the cancellation and the reason for cancellation. Prior notice is not required if the reason for cancellation is nonpayment by You of the Contract Fee, or a material misstatement by You relating to the covered property or its use. If We cancel this Agreement, an act or omission by You, or a violation by You of any condition of the service contract, which occurred after the effective date of the service contract and which substantially and materially increases the service required under the service contract, however, no such cancellation may become effective until at least 15 days after the notice of cancellation is mailed to you. You will receive a refund based upon one-hundred percent (100%) of the unearned pro-rata refund Contract Fee of the Contract Feethis Agreement.

Cancellations and Refunds. If You This Agreement may be cancelled by the provider only for nonpayment of the provider fee, material misrepresentation by the contract holder to the provider or administrator, or substantial breach of duties by the service contract holder relating to the covered product or its use. In the event of a total loss of property covered by this Agreement that is not covered by a replacement of the property pursuant to the terms of this Agreement, you are not satisfied with the manner in which We are handling entitled to cancel this Agreement without a claim on the contractcancellation fee, You may contact the Commissioner by calling (000) 000-0000less any claims paid. You may cancel this Agreement by returning the service contract to informing Us of Your cancellation request within 20 30 days of your receipt the purchase of the service contract (the “free-look period”) Agreement and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after more than 30 days from the free-look perioddate of purchase, or if a claim has been paid during within the free-look periodfirst 30 days, You will receive a pro-rata refund of the Contract Fee, minus any paid claims and less a $25.00 cancellation feean administrative fee not to exceed 10% of the Contract Fee. If You request cancellation of this Agreement within thirty (30) days of the free-look period purchase date of the Agreement and the refund is not paid or credited within 45 forty-five (45) days after return of the Agreement to Us, a ten percent (10% %) penalty will be added to the refund for every 30 thirty (30) days the refund is not paid. This provision applies only to the original purchaser of the Agreement. If You cancel this Agreement, the administrative fee shall not exceed the lesser of 10% of the Contract Fee or twenty-five dollars ($25.00). Any such refund may be credited to an any outstanding balance of Your account, account and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contract. If We may cancel this Agreement We must provide You with a written notice at least 5 days prior to cancellation at Your last known address, with the effective date for the cancellation and the reason for cancellation. Prior notice is not required if the reason for cancellation is nonpayment by You of the Contract Fee, or a material misstatement by You relating to the covered property or its use. If We cancel this Agreement, an act or omission by You, or You will receive a violation by You of any condition refund based upon one-hundred percent (100%) of the unearned pro-rata Contract Fee of this Agreement. THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. WYOMING RESIDENTS ONLY: Holding a service contractcontract covering a home in Wyoming: Cancellations and Refunds The following terms, which occurred after restrictions or conditions shall govern cancellation of this service contract prior to the effective termination or expiration date of the service contract and which substantially and materially increases by either the provider or by the service required under contract holder. APHW shall mail a written notice to the service contract, however, no such cancellation may become effective until contract holder at the last known address of the service contract holder contained in the records of the provider at least 15 ten (10) days after prior to cancellation by the provider. Prior notice of cancellation is mailed to you. You will receive a pro-rata refund not required if the reason for can- cellation is nonpayment of the Contract Feeprovider fee, a material misrepresentation by the service contract holder to APHW or a substantial breach of duties by the service contract holder relating to the covered product or its use.

Cancellations and Refunds. If You are not satisfied with the manner in which We are handling a claim on the contractContract, You may contact the Commissioner by calling (000) 000-0000000.000.0000. You may cancel this Agreement by returning the service contract Service Contract to Us within 20 days of your Your receipt of the service contract Service Contract (the “free-look period”) and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after the free-look period, or if a claim has been paid during the free-look period, You will receive a pro-rata refund of the Contract Fee, less a $25.00 cancellation fee. If You request cancellation of this Agreement within the free-look period and the refund is not paid or credited within 45 days after return of the Agreement to Us, a 10% penalty will be added to the refund for every 30 days the refund is not paid. This provision applies only to the original purchaser of the Agreement. Any such refund may be credited to an outstanding balance of Your account, and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract Contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contractContract. We may cancel this Agreement if the reason for cancellation is nonpayment Nonpayment by You of the Contract Fee, or a material misstatement by You relating to the covered property or its use, an act or omission by You, or a violation by You of any condition of the service contractService Contract, which occurred after the effective date of the service contract Service Contract and which substantially and materially increases the service required under the service contractService Contract, however, no such cancellation may become effective until at least 15 days after the notice of cancellation is mailed to youYou. You will receive a pro-rata refund of the Contract Fee.

Cancellations and Refunds. If You This Agreement may be cancelled by the provider only for nonpayment of the provider fee, material misrepresentation by the contract holder to the provider or administrator, or substantial breach of duties by the service contract holder relating to the covered product or its use. In the event of a total loss of property covered by this Agreement that is not covered by a replacement of the property pursuant to the terms of this Agreement, you are not satisfied with the manner in which We are handling entitled to cancel this Agreement without a claim on the contractcancellation fee, You may contact the Commissioner by calling (000) 000-0000less any claims paid. You may cancel this Agreement by returning the service contract to informing Us of Your cancellation request within 20 30 days of your receipt the purchase of the service contract (the “free-look period”) Agreement and You will receive a 100% refund of the full Agreement Fee of Your Agreement, provided no claims have been paid. If Your cancellation request is made after more than 30 days from the free-look perioddate of purchase, or if a claim has been paid during within the free-look periodfirst 30 days, You will receive a pro-rata refund of the Contract Fee, minus any paid claims and less a $25.00 cancellation feean administrative fee not to exceed 10% of the Contract Fee. If You request cancellation of this Agreement within thirty (30) days of the free-look period purchase date of the Agreement and the refund is not paid or credited within 45 forty-five (45) days after return of the Agreement to Us, a ten percent (10% %) penalty will be added to the refund for every 30 thirty (30) days the refund is not paid. This provision applies only to the original purchaser of the Agreement. If You cancel this Agreement, the administrative fee shall not exceed the lesser of 10% of the Contract Fee or twenty-five dollars ($25.00). Any such refund may be credited to an any outstanding balance of Your account, account and the excess, if any, returned to You. The cost of benefits paid or services provided during the current contract year will be deducted from any refund issued pursuant to the holder’s cancellation of this contract. If We may cancel this Agreement We must provide You with a written notice at least 5 days prior to cancellation at Your last known address, with the effective date for the cancellation and the reason for cancellation. Prior notice is not required if the reason for cancellation is nonpayment by You of the Contract Fee, or a material misstatement by You relating to the covered property or its use. If We cancel this Agreement, an act or omission by You, or You will receive a violation by You of any condition refund based upon one-hundred percent (100%) of the unearned pro-rata Contract Fee of this Agreement. THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. WYOMING RESIDENTS ONLY: Holding a service contractcontract covering a home in Wyoming: Cancellations and Refunds The following terms, which occurred after restrictions or conditions shall govern cancellation of this service contract prior to the effective termination or expiration date of the service contract and which substantially and materially increases by either the provider or by the service required under contract holder. APHW shall mail a written notice to the service contract, however, no such cancellation may become effective until contract holder at the last known address of the service contract holder contained in the records of the provider at least 15 ten (10) days after prior to cancellation by the provider. Prior notice of is not required if the reason for cancellation is mailed to you. You will receive a pro-rata refund nonpayment of the Contract Feeprovider fee, a material misrepresentation by the service contract holder to APHW or a substantial breach of duties by the service contract holder relating to the covered product or its use.