With 4x Buyer Protection Your Customers...

Shipping Insurance Terms and Conditions:

The 4x Buyer Protection program provides shipping insurance for your online purchases and protects against lost, damaged or stolen items while in transit. When you protect your purchase with Buyer Protection, you also get shipping insurance with world-class service, fast & easy online claims processing and peace of mind. In the event that your shipment gets lost or damaged while in transit, 4x Buyer Protection Program has you covered. Enrolled member must file a claim at www.4xbuyerprotection.com. In order to take advantage of all the Trust Guard 4X Buyer Protection programs, customers must enroll and activate themselves within 48 hours of the date of purchase and prior to any claimable incident occurring. All individuals purchasing products from any participating 4X Buyer Protected merchant will have received an email with enrollment information and membership code. Failure to enroll during the specified period forfeits participation in the program along with all its benefits. Maximum payout per each member will not exceed $500.00 across all enrolled accounts.

Policy Administered by:
Online Shipping Insurance Services, Inc. (InsureShip.com)
2049 Lincoln Ave Burbank, Ca. 91504
License #0G55434

Underwriters:
Navigators Insurance Group

This Agreement is between Online Shipping Insurance Services, Inc. (OSIS ) and you ("you" or "Customer") This Section sets forth the terms and conditions which apply to the use by you of the InsureShip.com sites (as defined below) and any other subscription product or service offered for sale by OSIS and/or its affiliates (collectively, "OSIS "). The right to use any product or service offered by OSIS is personal to you and is not transferable to any other person or entity. OSIS reserves the right to make changes to the OSIS sites, policies, and these terms at any time without notice.

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Price Match Guarantee Terms and Conditions

Worried about a price drop on your purchase? You no longer have to deal with that frustration because for 30 days after the date of the original purchase, you're protected! We will match any current advertised price on identical items purchased and refund you the savings amount. The price must be valid when you submit the ad with your claim. An identical item refers to an item that is the same brand, style, color, quantity, size, model number, weight, etc. We reserve the right to verify the advertised price, item specifications, and availability. Please submit the complete original advertisement in its entirety along with item description and pricing information. Photocopies and mobile- phone versions may be accepted, but we may verify the details. If the price is still valid within 30 days of your original purchase date, we will reimburse you the difference.

We do not match the following types of pricing:

• A competitor's free, special, or bundled offers, rebates, clearance or closeout prices.
• A competitor's prices on open box, display merchandise or used merchandise
• Sales tax promotions
• Prices for services (e.g. optical, salon, portrait, delivery, shipping and handling, assembly, warranties, etc.)
• Coupon-required or gift card offers
• Competitor's private label price promotions
• Prices that require a club or loyalty card
• Military PX retail store prices
• Prices or discounts associated with credit cards
• Auction sites Amazon & Ebay etc.

In the event of a price change, an enrolled member must file a claim at www.4xbuyerprotection.com along with any additional documents required by the claims adjuster to substantiate loss. Enrolled member is required to provide notice of price change within 30 days of initial purchase.

In order to take advantage of all the Trust Guard 4X Buyer Protection programs, customers must enroll and activate themselves within 48 hours of the date of purchase, prior to any claimable incident occurring. All individuals purchasing products from any participating 4X Buyer Protected merchant will have received an email with enrollment information and membership code. Failure to enroll during the specified period forfeits participation in the program along with all its benefits. Maximum payout per each member will not exceed $500.00 across all enrolled accounts. Your participation in the program acknowledges that you have read and agreed to the terms indicated in the coverage for the policy and confirms the statements therein. No suit, action or proceedings for the recovery of any claim under this coverage shall be sustainable in any court of law or entity unless the respective action is commenced within twelve (12) months after discovery, by the insured of the issue giving rise to the claim, provided however, that said time limitation is invalid. In that case any such claim shall be void.

4x Buyer Protection Terms of Service

What is a Terms of Service Guarantee? Simply put, we make sure that products you’ve purchased will perform according to the selling website’s terms of the sale for the 30 days directly following the date of purchase.

A Service Guarantee is a warranty; it is not an insurance policy. The Service Guarantee period will commence on the date of customer registration with Trust Guard 4X Buyer Protection program and will end after 30 days.

If the terms of your sale as stated on the merchant’s website have not been satisfied, and after you contacted the merchant to try to resolve an issue or a discrepancy without resolution, we will step in and make it right or refund you the full value of the item purchased up to a maximum of $500.

The person who purchased the product must file a claim within the 30-day coverage period. All disputes after the 30-day period will be denied. Products purchased in dispute must be returned to seller within the 30-day time frame, as acceptance of the goods will nullify the guarantee. The Service Guarantee's sole purpose is to indemnify the buyer if the seller does not honor the terms of the sale. All refunds, credits and product re-shipments by the seller negate the guarantee.

In the event of an incident, an enrolled member must file a claim at www.4xbuyerprotection.com. Any additional documents required by the claims adjuster to substantiate loss.

In order to take advantage of all the Trust Guard 4X Buyer Protection programs, customers must enroll and activate themselves within 48 hours of the date of purchase and prior to any claimable incident occurring. All individuals purchasing products from any participating 4X Buyer Protected merchant will have received an email with enrollment information and membership code. Failure to enroll during the specified period forfeits participation in the program along with all its benefits. Maximum payout per each member will not exceed $500.00 across all enrolled accounts. Your participation in the program acknowledges that you have read and agreed to the terms indicated in the coverage for the policy and confirms the statements therein. No suit, action or proceedings for the recovery of any claim under this coverage shall be sustainable in any court of law or entity unless the respective action is commenced within twelve (12) months after discovery by the insured of the issue giving rise to the claim, provided however, that said time limitation is invalid. In that case any such claim shall be void.

Identity Theft Protection
With the Identity Theft Protection program, you'll rest easy knowing every order from the certified Trust Guard 4X Buyer Protection approved website has the tools to protect you in the event your identity is stolen. Coverage begins at the time of purchase and continues for 30 days thereafter. In the event your identity is stolen due to your order from the Trust Guard 4X Buyer Protection website, you will be enrolled in TrueIdentity™ monitoring powered by Trans Union for the subsequent 30-days after your date of purchase. This enrollment will continue for the next 12-months free of charge.

TrueIdentity™ brings powerful new tools and resources to help protect you from past and future identity theft. Identity theft is common in today’s digital world, rest easy knowing you won’t have to go it alone with TrueIdentity. Enjoy help every step of the way, from expert assistance with canceling and replacing your identification information, to guidance in reclaiming your identity.

Feel more protected than ever:

• Lower your risk of identity theft by proactively monitoring places on the Internet where criminal selling and trading of your personal information may occur
• Effectively recover from Identity Theft with exclusive Identity Restoration services
• Premiere Lost Wallet Assistance if credit or other identification cards are lost or stolen

The coverage pertains to the following types of losses if loss occurred on the same credit card used during your purchase on participating 4X Buyer Protected merchant:

• Credit Card fraud resulting from Online Purchases
• Credit Card fraud resulting from in Store Purchases
• Loss or theft of the credit card

To take advantage of the Trust Guard 4X Buyer Protection program, customers must enroll and activate their protection within 48 hours of the date of purchase and prior to any covered loss occurring. Enrolled member is required to provide notice of loss within thirty (30) days of the initial purchase. All individuals purchasing products from any participating 4X Buyer Protected merchant will have received an email with enrollment information and membership code. Failure to enroll during the specified period forfeits participation in the program along with all its benefits. Maximum payout per each member will not exceed $500.00 across all enrolled accounts. Your participation in the program acknowledges that you have read and agreed to the terms indicated in the coverage for the policy and confirms the statements therein. No suit, action or proceedings for the recovery of any claim under this coverage shall be sustainable in any court of law or entity unless the respective action is commenced within twelve (12) months after discovery by the customer of the issue giving rise to the claim, provided however, that said time limitation is invalid. In that case any such claim shall be void.

In the event of a covered loss, an enrolled member must file a claim at www.4xbuyerprotection.com. Customers will need to fill out all applicable information including: Bank statements, Legal affidavit, credit card statements and any additional documents required by the claims agent to substantiate loss.

Introduction

Welcome to 4xbuyerprotection.com. This website is owned and operated by 4xbuyerprotection.com. By visiting our website and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as 'User Agreement').

This agreement is in effect as of Mar 02, 2015.

We reserve the right to change this User Agreement from time to time without notice. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

Responsible Use and Conduct

By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as 'Resources'), you agree to use these Resources only for the purposes intended as permitted by (a) the terms of this User Agreement, and (b) applicable laws, regulations and generally accepted online practices or guidelines.

Wherein, you understand that:

a. In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date.

b. You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.

c. Accessing (or attempting to access) any of our Resources by any means other than through the means we provide, is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means.

d. Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.

e. Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.

f. You are solely responsible any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.

g. We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:

i. Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;
ii. Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;
Iii. Contains any type of unauthorized or unsolicited advertising;
Iiii. Impersonates any person or entity, including any 4xbuyerprotection.com employees or representatives.


We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.

h. We do not assume any liability for any content posted by you or any other 3rd party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn't violate or infringe on any 3rd party copyrights or trademarks, becomes the property of 4xbuyerprotection.com, and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources.

i. You agree to indemnify and hold harmless 4xbuyerprotection.com and its parent company and affiliates, and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Limitation of Warranties

By using our website, you understand and agree that all Resources we provide are "as is" and "as available". This means that we do not represent or warrant to you that:
i) the use of our Resources will meet your needs or requirements.
ii) the use of our Resources will be uninterrupted, timely, secure or free from errors.
iii) the information obtained by using our Resources will be accurate or reliable, and
iv) any defects in the operation or functionality of any Resources we provide will be repaired or corrected.


Furthermore, you understand and agree that:

v) any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content.
vi) no information or advice, whether expressed, implied, oral or written, obtained by you from 4xbuyerprotection.com or through any Resources we provide shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this User Agreement.


Limitation of Liability

In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. 4xbuyerprotection.com will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using our Resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.

Copyrights/Trademarks

All content and materials available on 4xbuyerprotection.com, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of 4xbuyerprotection.com, and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by 4xbuyerprotection.com.

Termination of Use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

To opt out, remove or modify information you have provided, Call 800-832-7185 or Click on the Contact Us/Live Chat button on this or the home page. Also, please note that due to e-mail production schedules you may still receive e-mail already in the mail-server queue.

Governing Law

This website is controlled by 4xbuyerprotection.com from our offices located in the state of UT, USA. It can be accessed by most countries around the world. As each country has laws that may differ from those of UT, by accessing our website, you agree that the statutes and laws of UT, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site.

Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located in USA, UT You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Guarantee

All customers are entitled to receive a full, 100% money back guarantee on 4x Buyer Protection service, at any time within 30 days from their order date.

Contact Information

If you have any questions or comments about these our Terms of Service as outlined above, you can contact us at:

4xbuyerprotection.com
4x Buyer Protection Office 298 24th Street, Suite 470 Ogden Utah, 84401
USA

Last Modified: 05/15/2018 DRB