Consumer Debit Mastercard Guide to Benefits

Throughout this document, you and your refer to Cardholder and any other person that qualifies as a beneficiary under the plan. We, us, and our refer to New Hampshire Insurance Company, an AIG Company, New York, NY. For Satisfaction Guarantee, we, us, and our refer to AIG WarrantyGuard, Inc.

 

Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name.

 

Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator may be reached by phone at 1-800-Mastercard.

 

Auction (online or live) means a place or Internet site where items are sold through price bids, price quotes, or where prices fluctuate based on the number of people purchasing or interested in purchasing a product. (Examples include, but are not limited to, eBay, uBid, Yahoo, public or private live Auctions, etc.).

 

Authorized User means a person who is recorded as an authorized user of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.

 

Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing who is a U.S. citizen or a legal resident of the U.S. or a U.S. territory, including the District of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands, and the Northern Mariana Islands.

 

Covered Card means the Mastercard card linked to your Eligible Account.

 

Covered Purchase means an item that you purchase entirely with your Covered Card.

 

Eligible Account means the account associated with a U.S. issued debit card that is eligible for coverage under the Group Policy or Master Agreement.

 

Group Policy means the Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits. For the purposes of Satisfaction Guarantee, Group Policy means the master services contract between AIG WarrantyGuard, Inc. and Mastercard.

 

Manufacturer’s Warranty means an original, written, U.S. Manufacturer’s Warranty of one (1) year or less on an item or product.

 

Purchased Warranty means a separate service contract or optional extended warranty purchased on an item or product.

 

Store Warranty means a U.S. Store Warranty or assembler warranty of one (1) year or less on a store-brand item or product.

Mastercard ID Theft Protection (IDT) provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. This product offering will alert you about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception.

 

 

Simply contact 1-800-Mastercard if you believe you have been a victim of Identity Theft.

 

Services provided are on a 24-hour basis, 365 days a year. In order to receive the following services, you must enroll at https://mastercardus.idprotectiononline.com/. The services include:

 

Online Monitoring Dashboard (requires activation): The online monitoring dashboard is the primary user interface for Cardholders. It serves as a repository of all the personally identifiable information (PII) data the Cardholder wants to monitor, tracks and displays Cardholders’ risk score, and provides access to identity protection tips. It is also the platform for Cardholders to respond to identity monitoring alerts.

 

Monthly Risk Alert / Newsletter: Cardholders will receive a monthly newsletter with information on the Cardholder’s risk score, and articles pertaining to good identity protection practices.

 

Identity Monitoring: IDT searches the internet to detect compromised credentials and potentially damaging use of your personal information, and alerts you via email so that you can take immediate action. This platform utilizes automated monitoring and human threat intelligence from cyber operations agents monitoring threat actors and their tactics on the deep and dark web where personal data is bought and sold. Data elements that can be monitored are:

 

 • Email addresses

 • Debit/credit cards/prepaid cards

 • Bank accounts

 • Web logins; username and password

 • Medical insurance cards

 • Drivers’ license

 • Loyalty cards

 • Affinity cards

 • Passport number

 • Vehicle insurance cards

 • Social Security number

 

To take advantage of this service, the Cardholder must enter the personal information they wish to monitor on the dashboard.

 

Resolution Services: You will have access to a team of identity theft resolution specialists, available 24 hours a day, 365 days a year to help resolve your identity theft incident and prevent further damage. The resolution specialists are native speakers of English, French and Spanish, and are based out of Bethesda, Maryland. Cardholders are given the option to sign limited power of attorney (LPOA) to the specialist, to allow them to conduct resolution activities on the Cardholders’ behalf, including contacting police, credit agencies, and other authorities, translating information, and closing and replacing breached accounts.

 

Lost Wallet Assistance: Cardholder’s will be provided assistance with notifying the appropriate issuing authorities to cancel and replace stolen or missing items, such as their debit/credit card, driver’s license, Social Security card, and passport.

 

Single Bureau Credit Monitoring: Cardholders’ TransUnion credit file will be monitored for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. An alert notification via email will be sent anytime a hard inquiry is made on the Cardholders’ TransUnion credit file so they can take immediate action to minimize damage.

 

To take advantage of this service, the Cardholder must enter their Social Security number on the dashboard and pass credit authentication.

 

Financial Account Takeover: IDT monitors Cardholder’s high-risk transactions with more than 300 of the nation’s largest companies to uncover and thwart account takeover attempts. Monitored transactions include:

 

 • Debit/credit cards/prepaid cards

 • Bank accounts• Brokerage accounts

 • Healthcare portals

 • Workplace intranets

 • Other services (e.g. peer-to-peer fund transfers)

 

To take advantage of this service, the Cardholder must enter the accounts they wish to protect on the dashboard.

 

URL and Domain Monitoring: URL and Domain monitoring allows Cardholder to enter up to 10 domain or URL names related to Cardholder’s business. This service will monitor the domain and URL names for any compromised email addresses associated with the domain or URL names and if compromised email addresses are found in a data breach, this service will alert the registered Cardholder via email and provide information regarding the specific email address that was breached along with information about the date found and source (provided that this information is available).

 

For more information regarding the services stated above and additional information, please visit https://mastercardus.idprotectiononline.com/. 

 

There is no charge for these services, they are provided by your Financial Institution.

 

 

 • When it is determined you have committed any dishonest, criminal, malicious or fraudulent act.

 • When your financial institution or card issuer which provides this Service, has investigated the event and deemed you are responsible      for the charge or event.

 • When any theft or unauthorized use of an account by a person to whom the account has been entrusted has been committed.

 

This service applies only to you, the named Mastercard Cardholder. You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by the program. The provider, Generali Global Assistance, relies on the truth of statement made in the Affidavit or declaration from each Cardholder. This service is provided to eligible Mastercard Cardholders at no additional cost and is in effect for acts occurring while the program is in effect. The terms and conditions contained in this program guide may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the Provider non-renews or cancels any services provided to eligible Mastercard Cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar coverage takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-800-Mastercard.

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal Disclosures set forth below.

 

 

• You must purchase the Covered Purchase entirely with your Covered Card or in combination with your Covered Card and accumulated points from your Covered Card for yourself or to give as a gift. Coverage only extends to losses incurred by a person other than you if you gift the Covered Purchase to that person and that person adheres to the terms and conditions of this program.

• The item must have an original Manufacturer’s Warranty or Store Warranty of twelve (12) months or less.

• Your coverage terminates on any of the following dates: The date you no longer qualify as a Cardholder; the date your participating organization determines that your Covered Card is ineligible; the date your participating organization ceases to pay premium on the Group Policy; the date your participating organization ceases to participate in the Group Policy; or the date the Group Policy is terminated.

 

• Extended Warranty doubles the time period of your Covered Purchase’s original Manufacturer’s Warranty or Store Warranty up to a maximum of twelve (12) months following the day that the Manufacturer’s Warranty or Store Warranty expires.

• If you purchase a Purchased Warranty of twelve (12) months or less on a Covered Purchase with an original Manufacturer’s Warranty (or Store Warranty), this coverage doubles the time period of the Covered Purchase’s original Manufacturer’s Warranty (or Store Warranty) up to an additional twelve (12) months following the day that the original Manufacturer’s Warranty (or Store Warranty) and the Purchased Warranty’s coverage periods end.

 

 

• The maximum benefit for repair or replacement shall not exceed the lesser of the following per claim: (1) The actual purchase amount charged on your Covered Card, less shipping and handling fees; (2) the actual cost of repair; (3) the actual cost of replacement with an item of like kind and quality; or (4) $10,000.

• If the Covered Purchase’s original Manufacturer’s Warranty or Store Warranty covers more than twelve (12) months, this benefit will not apply.

• We or our Administrator will decide if a Covered Purchase will be repaired or replaced, or whether you will be reimbursed up to the maximum benefit amount for the item. Only valid and reasonable repairs made at a certified repair facility are covered. Items will be replaced with those of like kind and quality. However, we cannot guarantee to match exact color, material, brand, size, or model.

• Coverage is secondary to and in excess of any other applicable insurance or indemnity available to you or the gift recipient. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This non-contribution clause will take precedence over a similar clause found in other insurance or indemnity language.

 

 

• Used items, antiques, or collectibles of any kind (such as items designed for people to collect or items that over time become collectibles) that do not come with a Manufacturer’s Warranty or Store Warranty (repair or replacement amount will not include market value at time of claim).

• Recycled, previously owned, refurbished, rebuilt, or remanufactured items.

• Product guarantees or “satisfaction guaranteed” items.

• Floor models that do not come with an original Manufacturer’s Warranty or Store Warranty.

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, and their motors, equipment, and accessories, including trailers and other items that can be towed by or attached to any motorized vehicle. Parts, if purchased separately, may be covered.

• Land, any buildings (including, but not limited to homes, and dwellings), permanently installed items, fixtures, or structures.

• Plants, shrubs, animals, pets, consumables, perishables, and limited-life items (such as rechargeable batteries).

• Professional services (including, but not limited to, the performance or rendering of labor or maintenance; repair or installation of products, goods or property); professional advice of any kind, including, but not limited to, information/services or advice secured from any help or support line; or technical support for software, hardware, or any other peripherals.

• Application programs, operating software, and other software.

• All types of media with stored data or music (including, but not limited to, computer software, DVDs, video cassettes, CDs, film and audio cassettes).

• Any shipping charges, transportation and delivery charges, or promised time frames for delivery, whether or not stated or covered by the Manufacturer’s Warranty or Store Warranty.

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, and earthquake).

• Mechanical failure arising from product recalls.

• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.

• Loss resulting from war or hostilities of any kind (including but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband, illegal activity, or acts.

• Items purchased for professional or commercial use (this exclusion only applies to Cardholders with consumer Covered Cards).

• Items purchased for resale.

• Mechanical failures caused by lack of maintenance/service.

• Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.

• Physical damage to the item.

• Any exclusion listed in the original Manufacturer’s Warranty or Store Warranty.

• Losses due to your intentional acts.

• The loss of, loss of use of, damage to, corruption of, inability to access or inability to manipulate any computer system or electronic data within a Covered Purchase as a result of unauthorized access or unauthorized use of such system or data, a denial of service attack or receipt or transmission of malicious code. Computer system means any electronic hardware or software, or components thereof, that are used to store, process, access, transmit or receive information. Electronic data means any data stored on a computer system.

 

 

• Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim within sixty (60) days of the failure, or as soon as reasonably possible, or the claim may not be honored.

• Submit written proof of loss within one hundred eighty (180) days from the date of failure or the claim may not be honored. Required documentation may include but is not limited to the following:

 o Receipt showing covered item(s).

 o Statement showing covered item(s).

 o Itemized purchase receipt(s).

 o Original Manufacturer’s Warranty or Store Warranty.

 o Service contract or optional extended warranty, if applicable.

 o Itemized repair estimate from a certified repair facility or service provider.

 o Any other documentation that may be reasonably requested by us or our Administrator to validate a claim.

 

 

• You must purchase the new item entirely with your Covered Card and/or accumulated points from your Covered Card for yourself or to give as a gift.

 

 

• Purchases you make entirely with your Covered Card are covered for sixty (60) days from the date of purchase as indicated on your receipt for a full refund in the event that you are dissatisfied with your purchase and the store will not accept the item for return.

• Items you purchase with your Covered Card and give as gifts are also covered.

• This coverage is secondary to any other applicable insurance or coverage available to you or the gift recipient. Coverage is limited to only those amounts not covered by any other insurance or coverage.

 

 

• Coverage is limited to the actual cost of the item (excluding taxes, storage, shipping, and handling costs), up to $250 per claim. There is a maximum of four (4) claims per Eligible Account per twelve (12) consecutive month period. In no event will we pay more than the purchase price of the item.

• Items must be purchased from a store that provides a return or exchange policy of at least ten (10) days.

• Items must be returned undamaged, in good working condition, and in its original and complete packaging. You are responsible for all mailing costs.

 

 

• Damaged, defective, or non-working items.

• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or remanufactured items.

• Customized/personalized, rare, one of a kind, or special-order items.

• Professional services, including workmanship, installation, professional advice/counseling, and technical support, or help line.

• Items purchased for resale, professional, or commercial use.

• Plants, shrubs, animals, pets, consumables, and perishables.

• All types of stored data or music (including, but not limited to, computer software, DVDs, video cassettes, CDs, audio cassettes).

• Motorized vehicles, including, but not limited to automobiles, watercraft/boats, aircraft, and motorcycles, or their motors, equipment, or accessories.

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, fixtures, or structures.

• Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or mammals).

• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent.

• Shipping charges, taxes, storage fees, postage, transportation and delivery charges; promised time frames of delivery.

• Products purchased at Auctions.

 

 

Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim within sixty (60) days of the incident or the claim may not be honored.

 

• Submit the following documentation within one hundred eighty (180) days of the date you report the claim:

  o Receipt showing the purchased item(s).

  o Statement showing the purchased item(s).

  o Itemized purchase receipt(s).

  o Written documentation from the store manager or equivalent on store letterhead documenting the refusal to accept the returned item.

  o A copy of the store’s return policy.

  o Any other documentation that may be reasonably requested by us or our Administrator to validate a claim.

  o You must send the item to us or our Administrator before any claim will be paid. Items must be returned in its original packaging

     along with the original owner’s manuals and warranty information. You are responsible for all mailing or shipping costs to us or our

    Administrator. Items sent to us or our Administrator will not be returned to you.

Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting.

 

Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account.

 

In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language.

 

You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

 

Australia .................1-800-120-113

Mexico ...........001-800-307-7309

Austria .................0800-070-6138

Netherlands ........0800-022-5821

France ..................0-800-90-1387

Poland .................0-0800-111-1211

Germany ..............0800-071-3542

Portugal ...................800-8-11-272

Hungary ....................06800-12517

Spain ........................900-822-756

Ireland ....................1-800-55-7378

United Kingdom.... .0800-96-4767

Italy ...........................800-870-866

Virgin Islands .......1-800-307-7309

 

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at www.mastercard.com or call the United States collect at 1-636-722-7111.

 

When in the United States, contact your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access your card issuer for account information or to access any of your card benefits.

 

Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit our website at www.mastercard.com to use our ATM locator.

 

You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services call 1-800-Mastercard, use the Priority Pass app, or consult your Travel Advisor.

Important: Contact your card-issuing financial institution directly for questions concerning your account, such as account balance, credit line, billing inquiries (including transaction exchange rates), merchant disputes, or information about additional services not described in this Guide. Your financial institution’s phone number should be available on your monthly billing statement or on the back of your card.

 

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.

 

Benefits are provided to you, the Cardholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility.

 

Insurance benefits are provided under a Group Policy issued by New Hampshire Insurance Company, an AIG company. Non-insurance benefits are provided under a Master Agreement issued by AIG Warranty Guard, Inc. These Guide to Benefits are summaries of any insurance or non-insurance benefits provided to you and are governed by the controlling Group Policy or Master Agreement, as applicable.

 

Effective date of benefits: These Guide to Benefits replace all prior disclosures, program descriptions, advertising, and brochures issued by any party. The master group policy or contract holder and the applicable insurer or obligated entity reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.

 

Cancellation: The Group Policy or Master Agreement holder can cancel these benefits at any time or choose not to renew the insurance or non-insurance benefits for all Covered Cards. If these benefits are cancelled, you will be notified in advance. Benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.

 

Benefits to you: These benefits apply only to U.S. issued Covered Cards. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, proceeds, and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, benefits will still apply for any benefit you were eligible for prior to the date that your Covered Card is suspended or cancelled, subject to the terms and conditions of coverage.

 

Legal Action: No action at law or in equity may be brought to recover under these benefits prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with the benefit requirements. No such action may be brought after the expiration of three (3) years from the time written proof of loss is required to be furnished.

 

Transfer of rights or benefits: The Group Policy and Master Agreement are not assignable, but the benefits may be assigned.

 

Intentional Misrepresentation and Fraud: If any request for benefits is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as a beneficiary to obtain coverage under the benefits, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as a beneficiary does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.

 

Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any covered loss or damage.

 

Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.

 

Sanctions: We shall not be deemed to provide coverage, and we shall not be liable to pay any claim or provide any benefit hereunder, to the extent that the provision of such coverage, payment of such claim, or provision of such benefit would expose us, our parent company, or our ultimate controlling entity to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America.

 

Salvage: If your loss involves an item that is not repairable, we may request you to send the item to us for salvage at your expense. Failure to remit the requested item for salvage to us may result in denial of the claim.

 

Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable. Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.

 

This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Group Policy or Master Agreement, the Group Policy or Master Agreement shall control. Provision of services is subject to availability and applicable legal restrictions. Representations or promises made by anyone that are not contained in the Group Policy or Master Agreement are not part of your coverage.

 

Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are the entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group Policy or Master Agreement, the Guide to Benefits shall control.