Furniture-Rx Protection Plan

This document details what is and is not covered under the Furniture-Rx Protection Plan (the “Plan”). It applies to all Furniture-Rx protection plan types — Furniture, Outdoor Furniture, Area Rug, and Adjustable Bed Base. The general terms in this document apply to every plan; the coverage specific to each plan type is described in the “Coverage by Plan Type” section below. Please read these Terms and Conditions carefully before purchasing. If you have any questions regarding coverage, service, or claims, you may call us at 1-833-395-7824 or email Us at claims@raptns.com. We appreciate having you as a customer and thank you for allowing us to serve you.

This Plan is a monthly subscription. The following terms govern the Term, payment, renewal, and Coverage limit of this Plan and apply together with all other Terms & Conditions described in this Plan:

• Coverage Start (30-Day Waiting Period). Coverage under this Plan starts thirty (30) days from the date of Our receipt of Your subscription payment. Any Damage occurring before Coverage starts is not covered.
• Each Payment Buys 30 Days. Each subscription payment buys thirty (30) days of Coverage. To keep Coverage active, You must make each subscription payment when due.
• 30-Day Renewable Term, 36-Month Maximum. This Plan renews in recurring thirty (30) day periods for a maximum of thirty-six (36) months. After thirty-six (36) months, this Plan and its Coverage end and may not be renewed.
• Lapse and Non-Renewal. If the subscription lapses for more than ninety (90) days, You may not renew the subscription on the Item(s) covered under this Plan.
• Covered Retail Limit. This Plan covers up to five thousand dollars ($5,000.00) of retail of qualified Item(s) listed in this Plan.
• No Coverage During Lapse or Non-Payment. If Coverage lapses or You have not paid Your subscription payment, any Damage or Claim occurring or reported during or after such lapse or non-payment is not covered.

This Plan provides Coverage for Qualifying Furniture, subject to these Terms & Conditions. As a Plan holder, it is crucial that You thoroughly read and understand these Terms & Conditions, including the Coverage, Exclusions, and Service sections BEFORE YOU PURCHASE THIS PLAN. This Plan incorporates specific limitations on Coverage that are designed to maintain its affordability. Some of Your responsibilities under this Plan include:

• Reading and Understanding Manuals. Ensure You read all owner's manuals and accompanying information relevant to the Qualifying Items. This is crucial for understanding the full scope of Your coverage and the limitations that apply.
• Following Use and Care Instructions. Adhere strictly to all manufacturer and retailer instructions or guidelines regarding the use and care of the Qualifying Items. Proper handling according to those instructions is essential to maintain Coverage under this Plan.
• Retaining Important Documents. Keep a copy of this Plan, its Confirmation Number, and Your Sales Receipt, which are necessary and must be produced upon Our request to facilitate service under this Plan.
• No Coverage Without a Confirmation Number. You shall have NO coverage under this Plan unless and until We issue You a unique Plan number.
• Cooperating with the Claims Process. Your cooperation with Our requests is vital for a smooth and efficient resolution to any claim(s) or issue(s) that may arise under this Plan. Failure to fully cooperate with Us may be a basis for a claim being denied.

• Plan: Means this Protection Plan.
• Reseller: Means the retailer or interior designer who sold You this Plan and the Item(s). Only Resellers who, at the time of sale, held a valid Reseller Account ID (RAID) previously issued by Us are authorized to sell this Plan. To verify a RAID, You may call [1-800-637-8316] toll-free. Plans sold or distributed by resellers who did not hold a valid RAID prior to the time of sale or distribution are not valid and provide no coverage. In such cases, Your sole recourse is against the individual(s) or entity that sold or distributed the Plan to You.
• Item(s): Refers to the Item(s) You purchased from a Reseller, and include only the following: Upholstered furniture covered in fabric, microfiber, leather, or vinyl (grass, woven, and wicker items used indoors only); solid surface wood or laminate furniture—including bedroom, dining room, home office, entertainment, dinette, and accessory case goods; machine-made rugs (excluding one-of-a-kind rugs); and adjustable beds (excluding mattresses). All Items must be designed for indoor use and are subject to the coverage limits of this Plan.
• We, Our, or Us: Means Risk Assurance Partners, LLC.
• Obligor: Means Risk Assurance Partners, LLC, PO Box 912, Boynton Beach, FL 33425, 1-800-637-8316.
• Administrator: Means Risk Assurance Partners, LLC, PO Box 912, Boynton Beach, FL 33425, 1-800-637-8316.
• You or Your: Means the person(s) named on the last page of this Plan.
• Term: Means the period during which this Plan's Coverage is active. This Plan is a monthly subscription consisting of recurring thirty (30) day Coverage periods, renewable for a maximum of thirty-six (36) months, and is inclusive of any applicable reseller, retailer, manufacturer, or distributor warranties. Please see the Monthly Plan Terms section and the last page of this Plan for the Effective and End Date of this Plan's Term.
• Effective Date: Means the date listed on the last page of this Plan as the date this Plan's Coverage becomes effective. As described in the Monthly Plan Terms section, Coverage becomes effective thirty (30) days after We receive Your first subscription payment.
• Coverage: Means Damage(s) and Defect(s) covered by this Plan as described in the Coverage section of this Plan.
• Exclusions: Means any failure, loss, damage, or injury to Item(s) that is NOT covered by this Plan (see the Exclusions section).
• Damage: Means an unanticipated event that directly or indirectly causes damage to or failure of an Item (not all Damage is covered, exclusions apply).
• Defect: Means the failure to function as designed because of flaws in material or workmanship, during normal use of Item(s).
• Co-Pay: Means, if this Plan has Tier 2 coverage, a fee that You must pay to Us to activate and receive benefits under Tier 2 Coverage of this Plan.
• Pet: Means dogs, cats, birds, reptiles, arachnids, or other animals kept by You; provided that "Pet" does not include an animal owned or raised on a farm to generate a profit through the operation of a business or used as a food source.
• Plan Confirmation Number: Means a unique Plan Number issued by Us to activate Your coverage under this Plan.
• Purchase Amount or Retail: Means the amount that You paid for the Item(s) or this Plan, excluding taxes, fees, and delivery charges.
• Sales Receipt: Means the original sales receipt issued by the Reseller describing Your purchase of the Item(s) and this Plan.
• Wear & Tear, General Soiling & Odor: Means a gradual buildup of dirt, dust, body oils, scratches, chips, dents, stains, or similar damage that cannot be attributed to a single incident. For the avoidance of doubt, "Odor" means any smell emanating from covered Item(s).
• Claim: Means one (1) claim filed with Us for one (1) item, in the manner described in this Plan, for damage to one (1) Item, where You are seeking service, repair, replacement, or other benefits under this Plan.

This Plan becomes active only upon Our issuance of a unique Plan Confirmation to You, and You acquire no benefits under this Plan until We, at Our sole and absolute discretion, issue a Plan Confirmation Number to You to activate coverage under this Plan. Your sole and exclusive notice that We have issued a Plan Confirmation Number to You, and this Plan's coverage is activated, is Your receipt of a Plan Confirmation Number issued directly to You by Us. This Plan does not provide retroactive coverage prior to its Effective Date. We have not authorized any third parties or Retailers to issue Plan Confirmation Numbers to You on Our behalf. Your purchase of this Plan from a Retailer or third party, even if documented on sales receipts or by other means, shall not operate to bind Us to provide You coverage or benefits under this Plan, and Your sole recourse if no coverage is bound shall be to the party that sold You this Plan.

To keep this Plan affordable, You are limited to filing no more than three (3) Claims per Item covered under this Plan. If more than three (3) Claims are filed for any one Item, We may, at Our sole discretion, either cancel coverage for that specific Item or cancel this Plan in its entirety. If coverage is canceled for a specific Item while coverage remains in effect for other Items, You will not be entitled to any refund of amounts paid for this Plan. If We cancel all coverage under this Plan, We will do so in accordance with the terms outlined in the Cancellation section of this Plan.

• Questions: For questions about Coverage, Exclusions, or Co-Pays, contact us toll-free at 1-833-395-7824 or email us at claims@raptns.com.
• Notice of Co-Pay: This Plan does not require a Co-Pay to activate coverage or service.
• Reporting Damage: You must report all Damage or failure within sixty (60) days of the incident to be eligible for coverage according to Plan terms.
• Fraud: Filing false claims or providing Us with intentionally inaccurate information is a crime and raises costs for everyone and will void Your coverage under this Plan.

Coverage depends on the plan type You purchased. Find the section below that matches Your plan. The Items Covered, covered damages, and additional coverage terms in that section apply to Your plan, together with all of the general terms, definitions, exclusions, and service provisions described elsewhere in this document.

CLEANING & TOUCH-UP SERVICE – $99 Co-Pay for One (1) Hour of Service

Cleaning & Touch-Up Service ("C&T Service") helps maintain Your Item(s) for years of comfort and improves the chances, in the event of damage or failure, that repairs can be made. This valuable service is limited by area and is provided without warranty on a first-come, first-served basis. Please review the details and limitations below and call Us at 1-800-637-8316 or write Us at claims@raptns.com if You have any questions or comments. These Conditions apply together with others described in this Plan:

• You must pay to Us in advance a Co-Pay of $99 before receiving C&T Services.
• C&T Service is limited to one (1) hour of service, even if the service is not completed within one (1) hour.
• If additional time is needed to complete the service, You must pay additional fees.
• To be eligible, item(s) must be maintained in good condition.
• We reserve the right to decline service. C&T Service is provided "as-is" and without warranty.
• We are not liable for any damage to Your home or serviced items; the Limit of Liability and all other terms of this Plan apply.
• C&T Service is not available in all areas - We shall have no obligation to compensate You if We decline to provide You with C&T Services or if C&T Services are not available in Your area.

Contact us at 1-833-395-7824 or at claims@raptns.com during the term of this Plan to schedule Your C&T Service.

EXCLUSIONS – WHAT'S NOT COVERED

This Plan does not cover:

• Incidental or Special Damages: Losses not directly related to the physical state of the covered Item(s), such as personal inconvenience or loss of use.
• Service Delays: Financial or personal repercussions resulting from delays in service or repair times.
• Voiding Other Agreements: Complications, including voiding warranties or insurance, arising from the use of this Plan.
• Inability to Use Items: Indirect losses incurred due to the inability to use the Item(s) during repair or while awaiting replacement.
• Damage to Other Property: Damage or loss to other items or structures (including walls, floors, paint, carpet, or rugs) caused by the failure of a covered Item or by Our attempts to repair or replace it.

You may initiate a claim for service under this Plan in one of the following ways:

1. Online using any web-connected device at 5Starservice.net, 24 hours a day, 7 days a week.
2. Call Us at [1-833-395-7824], Monday through Friday, 9 a.m. to 6 p.m. EST, excluding holidays.
3. Email Us at claims@raptns.com.
4. When filing a claim, You must provide:
   1. Your original Sales Receipt, which shows Your purchase of the Item(s) and this Plan.
   2. The Plan Confirmation Number that We issued to You, which helps Us process Your claim.
   3. The date that You took possession of the Item.
   4. The date that You discovered the failure or damage that You are reporting.

Your cooperation with the Administrator is essential for the processing of Your claim. Your failure to fully cooperate may result in denial of Your claim or cancellation of Your Plan. Failure to cooperate includes, by way of example and not limitation: (a) failure to provide timely access for a service technician to inspect or repair damaged Item(s); (b) failure to timely respond to requests for additional information; (c) providing false or misleading information; or (e) repeatedly submitting claims for the same damage to the same Item after a claim has been settled by Us.

Upon receiving a claim for an Item covered by this Plan, We will provide repair advice and/or products to assist with stain removal or damage repair. We may request photographs to help determine whether You are eligible to receive, at no charge, an in-home visit by a professional technician, a part, or a replacement. If a technician determines that repairs must be completed off-site, the damaged Item will be removed and returned at no cost to You. With or without a technician visit, We may elect to replace the damaged part or area of the Item. If the stain or damage cannot be repaired or replaced, or if a necessary part is unavailable, We will issue a store Replacement credit.

The value of a Replacement credit is determined by the coverage Tier under which the Item is replaced. See Plan Coverage above, including any applicable No Aggregation Provisions. Replacement credits exclude taxes and fees previously paid for the Item being replaced or for new replacement items. Any difference between the face value of the Replacement credit and the total cost of a new item must be paid by You to the Reseller. Replacement credits are non-transferable, may not be redeemed for cash, and will expire six (6) months from the date of issue.

Replacement credits may only be used at a location or purchased through the Reseller who sold You this Plan. If that Reseller is closed, out of business, or You have relocated outside of the Reseller's normal delivery area, this Plan will be limited to repair service only, or You will receive a pro-rata refund of the purchase price of this Plan, based on the time elapsed since the commencement of this Plan, less any claims paid.

We will not replace or otherwise service matching pieces or parts that are not damaged, even if they are covered under this Plan. We are not responsible for, and will not take action to correct, dye lot or texture variations resulting from repair or replacement of a part or an entire Item. If You financed the purchase of this Plan, any refund due under this section will be paid directly to the lender of record. If You rent or lease Item(s) covered by this Plan, see the LTO Transaction Notice included in this Plan.

If a manufacturer's warranty covers the damage reported under this Plan, coverage under this Plan will not apply. Service or replacement is limited only to damaged Items specifically named as covered by this Plan. Coverage does not transfer to Items provided as replacements. Once a Replacement credit is used, coverage under this Plan for the Item named in the credit ends. Only Item(s) shown on the original sales receipt that are covered by this Plan, and that remain in Your possession, are eligible for coverage. Terms written in Replacement credits are incorporated in and are subordinate to the Terms and Conditions of this Plan with this Plan's Terms and Conditions prevailing in the event of conflict.

This Plan does not eliminate the need for routine care and maintenance, which remains solely Your responsibility. General soiling and wear and tear (defined as a gradual buildup or accumulation of dirt, dust, body oils, perspiration, and damage that cannot be attributed to a single incident) are excluded except to the extent covered under Tier 1, or if applicable Tier 2 coverage, described above. Failure to maintain Items according to the manufacturers or Retailer's use and care instructions may void this Plan. Matching Item(s) covered by this Plan that are not damaged will not be serviced or replaced, even if We replace or service an Item under the terms of this Plan.

This Plan does not require a Co-Pay or Deductible.

LTO TRANSACTION NOTICE: YOU ARE NOT REQUIRED TO PURCHASE THIS OR ANY OTHER PROTECTION PLAN OR SERVICE AGREEMENT AS A CONDITION OF ENTERING INTO AN LTO TRANSACTION.

For purposes of this Plan, an "LTO Transaction" means a transaction under which You rent or lease Item(s) as described by this Plan. Item(s) shall not be treated as part of an LTO Transaction unless the lessor is identified on Your Sales Receipt, together with Your name and the address where the Item(s) are delivered. Where Item(s) covered by this Plan are initially acquired through an LTO Transaction, and You have not obtained ownership of the Item(s), any cash settlement under this Plan will accrue to the benefit of the lessor. In all other respects, You will retain a beneficial interest in this Plan, including all non-cash benefits described herein. Subject to the terms of the LTO Transaction, the lessor may elect to apply cash settlement benefits under this Plan to Your obligations under such LTO Transaction. Any amount paid in excess of the balance due may, at the lessor's discretion and subject to the terms of the LTO Transaction, be paid to You. You are solely responsible for maintaining any Item(s) covered by this Plan, whether purchased under an LTO Transaction or otherwise.

WE ARE NOT A PARTY TO ANY LTO TRANSACTION. REFERENCE TO ANY LTO TRANSACTION UNDER THE TERMS OF THIS PLAN SHALL NOT OPERATE TO CAUSE US TO BECOME A PARTY TO THAT TRANSACTION, AND WE SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY ACCRUING TO ANY PARTY UNDER ANY LTO TRANSACTION. WE ARE NOT OBLIGATED AND SHALL NOT NEGOTIATE FOR ANY THIRD-PARTY BENEFITS OR DISPUTES WHATSOEVER ARISING FROM OR RELATING TO LTO TRANSACTIONS WITH RESPECT TO ANY QUALIFIED ITEM COVERED UNDER THIS PLAN, OR ANY TRANSACTION, ACTION, OR OBLIGATION ARISING OR ACCRUING TO ANY PARTY UNDER ANY LTO TRANSACTION.

IN NO EVENT SHALL OUR LIABILITY UNDER THIS PLAN EXCEED:

1. PLAN COVERAGE LIMIT: A MAXIMUM OF FIVE THOUSAND DOLLARS ($5,000.00 USD) OF QUALIFIED RETAIL IN TOTAL DURING THE TERM OF THIS PLAN.

IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, WHETHER IN CONTRACT OR TORT, AT LAW OR IN EQUITY, INCLUDING LOSS OR DAMAGE TO PERSON OR PROPERTY ARISING FROM OR RELATING TO THIS PLAN, THE SALE OR PURCHASE OF THIS PLAN, OR THE USE, THE INABILITY TO USE, OR FROM THE REPAIR OR REPLACEMENT OF AN ITEM.

If You institute or bring an action, lawsuit, or claim against Us, whether in court or in arbitration, and regardless of whether the claim is brought as a contract claim or as a statutory claim, which arises from or relates to this Plan, actions, services, goods, or performance related to this Plan, or the failure to act or perform or to provide services, goods, and We are the prevailing party, You shall be required to pay Us our reasonable attorney's fees and costs that were incurred in the action, lawsuit, or otherwise litigating the claim.

EACH PARTY HEREBY AGREES TO WAIVE THE RIGHT TO LITIGATE IN COURT OR ARBITRATE ANY CLAIM OR DISPUTE AS A CLASS ACTION PROCEEDING, WHETHER IN CONTRACT OR TORT, AT LAW OR IN EQUITY, EITHER AS A MEMBER OF A CLASS OR AS A REPRESENTATIVE, REGARDLESS OF WHICH PARTY BRINGS SUIT, OR TO ACT AS A PRIVATE ATTORNEY GENERAL. THIS WAIVER SHALL APPLY TO ANY MATTER WHATSOEVER BETWEEN THE PARTIES (INCLUDING OUR AFFILIATES AND ASSIGNS) THAT ARISE OUT OF OR RELATES IN ANY WAY TO THIS PLAN, THE SALE OR PURCHASE OF THIS PLAN, OUR PERFORMANCE UNDER THIS PLAN, OR OUR AGENT'S PERFORMANCE UNDER THIS PLAN.

This Plan may be cancelled by You for any reason. To cancel this Plan, contact the Administrator toll-free at 1-833-395-7824. If You cancel this Plan within the first thirty (30) days after purchase and no claims have been made hereunder, You will receive a full refund of the Plan purchase price from the Reseller. If You cancel this Plan after the first thirty (30) days of purchase, or if a claim has been made hereunder, You will receive a pro-rata refund of the purchase price of this Plan from the Reseller, calculated based on the elapsed time since the commencement of this Plan, less any claim losses that We have incurred. Any refund due under this section shall be the responsibility of the Reseller that sold You this Plan.

If We cancel this Plan, We must provide You with written notice at least fifteen (15) days prior to the cancellation date, sent to Your last known address. Such notice must include the effective date of cancellation and the reason for cancellation. If We cancel this Plan, You will receive a refund equal to one hundred percent (100%) of the unearned pro-rata purchase price of this Plan, less the cost of any services, parts, or replacements (including the issuance of a credit) that We have incurred.

The reasons We may cancel this Plan, or void coverage for one or more Item(s) covered by this Plan, include but are not limited to: any fraudulent or unlawful acts by You in connection with this Plan; any intentional damage to Item(s); any use of Item(s) in a manner other than as intended by the manufacturer that is likely to increase the chances that the Item(s) will be damaged or require repair, service, or replacement (including the issuance of a credit); or any intentionally false or misleading statements made by You in any forum or to any person(s) regarding this Plan, including any services, repairs, or replacements (including the issuance of a credit) that You have received or claim You should have received under this Plan.

If You financed the purchase of this Plan, any refund due as a result of cancellation will be paid directly to the lender of record. Once this Plan is cancelled, it may not be reinstated.

If You have a right to recover against another party for anything We have paid under this Plan, Your rights shall become Our rights. You shall do whatever is necessary to enable Us to enforce these rights. We shall recover only the excess after You are fully compensated for Your loss.

This Plan is not an insurance policy. The obligations of the Obligor under this Plan are insured under a contract liability reimbursement insurance policy. If We fail to pay any claim, provide service, or replace the Item(s) in accordance with the terms of this Plan within ninety (90) days after We have settled a claim, You are entitled to make a direct claim against the insurer, Universal Underwriters Insurance Company, by calling 1-888-835-5063 or by mail at 7045 College Boulevard, Overland Park, Kansas 66211.

If Your Item is exchanged by the manufacturer or Reseller, You must notify Us in writing at 1625 South Congress Avenue, Suite 315, Delray Beach, FL 33445, Attn: Claims Department, or call 1-833-395-7824, and provide the date of exchange, make, model, and serial number of the replacement product within ten (10) days of the exchange. In the event of such an exchange, the coverage period shall not exceed the expiration date of the original Plan.

If You fail to notify Us in accordance with these requirements, We may, at Our sole discretion, elect not to provide coverage for any claims submitted under this Plan for the exchanged Item.

Neither this Plan, nor any of the benefits or rights accruing to You under or because of this Plan may be transferred, assigned, pledged, sold, or hypothecated by You to any person or entity. For example, and by no way limiting the generality of the foregoing sentence, You shall not transfer or assign any action, cause of action, claim, demand, lawsuit, or suit, whether in contract or tort, at law or in equity, arising from or relating to this Plan, the sale or purchase of this Plan, or the performance, non-performance, actions, or inactions by Us or Our agents under, arising from, or relating to this Plan. In the event that a court or regulatory body of competent jurisdiction determines that this provision is invalid, You agree that We shall have the exclusive and first right to purchase all of Your rights and benefits under or because of this Plan, including any potential action, cause of action, claim, demand, lawsuit, or suit, whether at law or in equity, for ten dollars ($10.00), which You acknowledge is good, adequate, valuable, and sufficient.

Regulation of service agreements, like this Plan, varies widely from state to state. Any provisions within this Plan that conflict with the laws of the state where You live shall automatically be modified to conform with the applicable state laws where You live. The following state requirements apply to Your Plan:

Texas: Risk Assurance Partners, LLC. Service Contract Administrator [No. 730]. If You have any questions regarding the regulation of this Plan Provider or a complaint against the Obligor (Provider), You may contact the Texas Department of Licensing & Regulation, 920 Colorado, P.O. Box 12157, Austin, Texas 78711, (800) 803‐9202. You may return this Plan within thirty (30) days of the date of purchase of this Plan. If this Plan is cancelled within the first thirty (30) days, We will refund the entire Plan charge, less claims paid. If this Plan is cancelled after the first thirty (30) days, You will receive a pro‐rata and less claims paid. A ten percent (10%) penalty per month will be added to a refund that is not made within forty‐five (45) days of Your return of this Plan to the Provider. You may apply for reimbursement directly to the insurer if a refund or credit is not paid before the 46th day after the date on which this Plan is canceled. These provisions apply only to the original purchaser of this Plan. If We cancel this Plan, We shall mail a written notice to You at the last known address held by Us before the fifth day preceding the effective date of cancellation. The notice will state the effective date and the reason for the cancellation. However, prior notice is not required if the reason for cancellation is nonpayment of the provider fee, fraud or a material misrepresentation by the Plan Holder to the Provider or the Provider’s Administrator, or a substantial breach of duties by the Plan Holder relating to the covered product or its use. If We cancel this Plan, no cancellation fee shall apply.