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Why To Buy An Extended Warranty

An extended warranty is a non-affiliated extension to your manufacturer's warranty offered by Manny's TV & Appliances Inc. We offer extra benefits like preventative maintenance, free replacement, or low-cost repairs. Items covered vary, but usually major appliances, grills have some sort of extra protection available.

Sensible Protection against Repair Costs

Your home appliances won't last forever. In fact, the likelihood of failure in a given year is 68%, and homeowners spend an average of $700 each year on major appliance repairs.

Manny's TV & Appliances offers affordable coverage that could save you thousands. The cost for just one repair can range from $65 to $2,000, and replacement costs average $1,085.

You can protect yourself against many of these financial risks with Manny's Home Appliance/Electronics Warranties.

Points To Consider

1.) Value of item being purchased
2.) Price of extended warranty
3.) Length of manufacturer's warranty
4.) Lengths of extended warranty and date coverage begins

Length of Warranty

Most manufacturer warranties come in two varieties: one year parts, 90 days labor for electronics OR 1 year's parts and labor for appliances. The length of the manufacturer's warranty is so limited that an extra warranty is almost a necessity, unless you just want to throw away your purchase when it breaks.

When looking at the length of the warranty in question, it's equally important to know when the extra coverage begins and when the manufacturers warranty expires. While extended warranties are usually bought the day you buy your new electronics merchandise, Manny's TV offers extended warranties for your purchase anytime during the term of the manufacturer's warranty, meaning you can buy extra coverage the day your original warranty expires. A component warranty covers major products components for 10 years.

Value

Determining the value of an extended warranty is in the eye of the purchaser. For some, it offers security and peace of mind knowing their investment is protected long after the manufacturer's warranty runs out, which is shorter than ever.

Price

The price for a basic refrigerator is $129.95 per year for 5 years including the manufacturers warranty and the average refrigerator service call within the first 5 years of purchase is $225. Electronics rates are triple.

Risk vs. Reward

After reviewing all the facts surrounding your decision whether or not to buy an extended warranty, take a step back and look at the risk versus reward. What's the worst possible damage that could happen to your equipment, knowing the manufacturer does not stand by their product after their warranty expires? You have to ask yourself the 'what if' questions, and decide if the risk outweighs the reward or vice-versa.

Service Contract Terms & Conditions

1. Parties

The obligor ("Obligor") of this service contract ("Contract") is Manny's TV & Appliances, Wilbraham Ma 01095. The administrator ("Administrator") of this Contract is Manny's TV & Appliances. The service performed under this Contract is provided through the Administrator or a servicer approved by Administrator. This Contract is insured by Manny's TV & Appliances ("Insurer"). "We", "Us", and "Our" mean collectively the Obligor, the Administrator, and the Insurer. "You" and "Your" mean the owner of the covered product who paid for this Contract.

2. Special Provisions

Note - Your Contract sales receipt and these terms and conditions, including the provisions, limitations, definitions and exclusions on the front and back sides of this Contract, constitute the entire Contract.

Subrogation - In the event We repair or replace any covered product due to any defect for which the manufacturer ("MFR") or its agents or suppliers may be legally responsible, You agree to subrogate and assign Your rights of recovery to Us. You will be reimbursed for any reasonable costs and expenses You incur in connection with the subrogation or assignment of Your rights.

3. Programs

The following programs are available. The program actually purchased by You will be specified on the Contract face:

Repair program - A covered product will be restored to normal operating condition after it has failed during normal single family household use, including failures due to power surges. The plan covers all labor and parts costs necessary to repair Your covered product for problems due to functional part failures and includes remote control replacement of comparable functionality once per Contract. Non-Repairable Products - If Administrator, in its sole discretion, determines that a covered product is not repairable, Administrator will replace the product with a product of comparable type, quality and functionality. This Contract is deemed fully performed by replacement of the product and the coverage provided under this Contract shall not be transferable to any replaced product, unless otherwise required by state law. All defective products will become the property of Administrator, should Administrator unilaterally elect to exercise its rights to the property.

Replacement program - Administrator will replace any product covered by this Contract that fails during normal single family household use. You will receive either a replacement product or a replacement voucher ("Replacement Voucher"), in Administrator's sole discretion. You will be required to return Your defective product, postage pre-paid by You, to a location specified by Administrator as a condition for receiving a replacement product or a Replacement Voucher. You will be responsible for packing the product in the original or comparable packaging to prevent further damage during shipping. You may be instructed to return the defective product to the retail dealer where You purchased the product. If Your covered product is found not to be defective, e.g. requires replacement of battery only to resume function, return shipping costs will be charged to You, cash on delivery. Upon replacement of the covered product or the issuance of a Replacement Voucher, this Contract is deemed fully performed as to the replaced product only and shall not be transferable to any replaced product, unless otherwise required by state law. The Replacement Program does not apply to digital cameras or digital camcorders.

a. Replacement Product -Replacement shall be with a product of comparable type, quality and functionality, and will be shipped to You, postage pre-paid by Administrator.

b. Replacement Voucher - If a Replacement Voucher is issued to You, its value will be equal to the original purchase price of the covered product. If the Replacement Voucher option is authorized, it will be redeemable only at the retail location where You purchased Your original covered product.

4. Product Coverage

The following products are eligible for coverage. The products for which You actually purchased coverage will be listed on the Contract face:

Major Appliances: Such as Washer, Dryer, Refrigerator, Dishwasher, Compactor, Oven, Range.

Other Appliances: Such as GE Water Softener, GE Undercounter Water Filter, GE Reverse Osmosis Water Systems, Vacuum Cleaners.

Major Component: Such as Compressor, Washer Transmission, Magnetron, Picture Tube. If a specific component is listed on the Contract face, only the specified component is covered. Labor costs for the repair, replacement, and installation of that component are not covered.

5. Coverage Period

Your coverage begins and ends on the dates identified on the face of this Contract.

6. Location of Service for Repair Program

In-home Service - If "in-home" service is specified, service will be provided at the address identified on the Contract face. Periodically, Your product may need to be removed and repaired elsewhere but if required, pick-up and return expenses will be covered by this Contract.

Carry-in/Mail-in Service - If "carry-in/mail-in" service is specified, and there is a local servicer near You, You are responsible for delivering Your product to and from the authorized repair center. Some products, such as PDAs, digital cameras and digital camcorders, due to their sensitive technical nature, require the controlled environment of a factory authorized service center. We will provide instructions to mail-in these products to an authorized servicer for repair. Reasonable mail-in expenses to and from the service location will be covered by this Contract.

DSS Service - Some types of service will be provided in Your home. For other types of service, You will be responsible to remove and send the product to the address provided to You by Administrator and to reinstall the product. Administrator will cover all shipping and handling expenses.

7. If You Need Service

Call the telephone number displayed on the face of this Contract to schedule service. Service will be available during regular working hours.

8. Moving Your Covered Product to a New Location voids warranty

You can't change your service address.

9. If the Owner of the Covered Product is Changing

You can not assign the product coverage to another person.

10. Contract Cancellation

a. You may not cancel Your Contract at any time for any reason..


b. Cancellation by Us - If We cancel the Contract, for any contractual reason, fraud, misrepresentation or non-payment by You, return of premium will be based on 100% of the unearned pro-rata Contract price.

11. Contract Limitations

a. Indirect Damages - IN NO EVENT WILL WE BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES RELATING DIRECTLY OR INDIRECTLY TO THIS CONTRACT.

b. Renewals - We are not obligated to renew Your Contract.

c. Non-Original Manufacturer and Re-Manufactured Parts - Genuine factory parts will be used whenever possible; however the use of non-original manufacturer and re-manufactured parts is allowed under this Contract.

d. Lemon Policy - Administrator will replace a covered product or part should the same major failure occur to the product or part and require a service call on 3 separate occasions within a 12 month period after the Contract effective date.

e. Limitation of Liability - To the extent permitted by applicable law, Our liability, if any, for any allegedly defective covered product or part shall be limited to repair or replacement of the product or part at Our option, and Our liability, if any, for damages relating to any defective covered product or part shall not exceed Your purchase price for the product or part in question. THIS CONTRACT IS YOUR SOLE EXPRESS WARRANTY WITH RESPECT TO THE COVERED PRODUCT(S). ALL IMPLIED WARRANTIES WITH RESPECT TO THE PRODUCT(S) INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY EXCLUDED.

IF YOUR CONTRACT BEGINS AT DATE OF PRODUCT PURCHASE, THIS CONTRACT IS INCLUSIVE OF THE MANUFACTURER'S WARRANTY; IT DOES NOT REPLACE THE MANUFACTURER'S WARRANTY, BUT PROVIDES CERTAIN ADDITIONAL BENEFITS DURING THE TERM OF THE MANUFACTURER'S WARRANTY.

12. Consumer's Promises and Assurances

In order to keep this Contract in force during its term, You promise and assure: (1) full cooperation with Our technicians and authorized servicers during diagnosis and repair of the covered product; (2) accessibility of the covered product; (3) a non-threatening and safe environment for in-home service; (4) the presence of an adult at the time of scheduled service; (5) that the covered product is not used for business or commercial purposes; and (6) that You will provide written notice of any defect or deficiency in service within 90 days of discovery.

13. What is Not Covered - Your Contract does not cover:

a. repair of product(s) upon noncompliance of any part of Section 12 by You; b. coverage, components, products or items not specifically listed herein; c. consumer replaceable items such as batteries, tapes, ribbons, bulbs, hoses, water membranes, air filters, water filters, fuses, belts, knobs, vacuum cleaner belts, bags, projection TV screen protectors, film, accessory cables, removable data storage media; d. any repair covered by a MFR's original warranty or initiated by the MFR, or recall program whether the MFR is in business or not and all new products with less than an original 90 day MFR's parts & labor warranty and costs associated with MFR's recommended normal maintenance; e. unauthorized repairs performed by third parties, inaccessible products, theft; f. failures of components such as cabinets, frames, masks, finish defects, glass, scratched lenses; g. damage or failures caused by conditions beyond Our control such as inadequate plumbing, wiring, power supply, rust, corrosion, infestation, negligence, abuse, misuse, acts of God, failure to follow MFR's recommended maintenance, improper installation, leaking batteries, video game and other display markings, problems with phone lines; h. repair or replacement caused by defects that existed prior to this Contract purchase; i. service outside the continental USA, Alaska, and Hawaii; j. water filtration systems where water is microbiologically unsafe or of unknown quality when there has not been adequate disinfection before or after the system, such as single-user wells, or other non-public water systems not regulated by federal or state health and safety requirements; k. products used for commercial purposes; l. loss or damage to recording media, software or data; computer viruses, software defects or software generated problems; m. shipping damage to products resulting from inadequate packaging by You; n. Products not having a full functional MFR's warranty; o. upgrades to comply with regulatory laws; p. TV image burn-in, plasma or LCD panels for minor pixel illumination issues that do not affect the overall viewing of the panel such as, but not limited to, missing pixels, intermittent pixels, or wrong color pixels.

14. Arbitration

READ THE FOLLOWING ARBITRATION PROVISION ("PROVISION") CAREFULLY. IT LIMITS CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO OBTAIN RELIEF OR DAMAGES THROUGH COURT ACTION.

MANDATORY ARBITRATION: Please read carefully. Either party may elect to resolve any legal dispute by binding Arbitration. If You or We elect to arbitrate a Claim (defined below), neither party will have the right: (1) for a court or a jury to decide the Claim; (2) to engage in discovery to the same extent a court would allow; (3) to participate in a class action in court or in Arbitration, either as a class representative or a class member; (4) to act as a private attorney general in court or in Arbitration; or (5) to join or consolidate Your Claim(s) with claims of another person(s). Other rights, such as the right to appeal, are more limited in Arbitration than in court.

RIGHT TO REJECT ARBITRATION: YOU MAY REJECT ARBITRATION. IF YOU DO, NEITHER YOU NOR WE CAN REQUIRE ARBITRATION OF ANY CLAIM. REJECTION OF ARBITRATION WILL NOT AFFECT ANY OTHER PART OF YOUR CONTRACT. TO REJECT ARBITRATION, YOU MUST SEND US A REJECTION NOTICE THAT WE RECEIVE WITHIN SIXTY (60) DAYS AFTER THE DATE YOU BOUGHT YOUR CONTRACT. ANY REJECTION NOTICE MUST INCLUDE YOUR NAME, ADDRESS, AND CONTRACT NUMBER, AND MUST BE SENT BY CERTIFIED MAIL TO P.O. Box 100, Rapid City, SD 57709. IF WE DISPUTE WHETHER YOU SENT A TIMELY REJECTION NOTICE, YOU MUST SHOW A SIGNED DELIVERY RECEIPT. THIS PROCESS IS THE ONLY WAY TO REJECT ARBITRATION.

Definitions: "We," "Us," "Our," for purposes of this Section, includes the Obligor, the Administrator, the Insurer and the retail dealer from whom You purchased Your Contract, and all of their parents, subsidiaries, affiliates, predecessors, successors, assigns, employees, officers and directors.

"Claim" means any dispute under any law or legal cause of action between You and Us that arises from or relates to Your Contract, the relationships which result from it, or any prior Contract, including the enforceability or scope of this Section. It includes disputes that seek relief of any type, including injunctive, declaratory or damages. It includes disputes that arose before the Section's effective date.

"Arbitrator" means the National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, www.arb-forum.com, (800) 474-2371, American Arbitration Association, 335 Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879, or JAMS, 45 Broadway, 28th Floor, New York, NY 10006, www.jamsadr.com, (800) 352-5267.

Scope: This Section covers all Claims, except that We will not arbitrate an individual small claims court Claim, unless it is transferred, removed, or appealed to a different court.

Starting an Arbitration: To start Arbitration, a party must give written notice of their election to arbitrate. Notice can be given after a lawsuit has been filed (including in papers in the lawsuit). Upon Notice, the Claim shall be resolved by Arbitration under this Section and the rules of the Arbitrator. You can choose the Arbitrator in Your written notice electing to arbitrate, or by giving Us written notice of Your selection within 20 days after Our Arbitration notice. Arbitrators shall be selected as per the Arbitrator's rules and shall be retired judges or lawyers with at least 10 years experience.

Location and Costs: Any Arbitration hearing will occur in a location reasonably convenient for You. On Your written request, We will pay all filing, administrative, hearing and/or other fees charged by the Arbitrator to You for Claim(s) asserted by You up to $2,500 after You have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court in the judicial district where You live. (If You have already paid a court filing fee, You will not be required to pay that amount again.) If You must pay any fees over $2,500 to the Arbitrator--and cannot get a hardship waiver for such fees--We will consider in good faith Your reasonable written request to pay all or part of such additional fees. Each party must pay for its own attorneys, experts and witnesses, regardless of who wins the Arbitration, unless applicable law and/or the Arbitrator's rules provide otherwise. We will under all circumstances pay any fees or expenses We are required to pay by law.

Governing Law: This Section is governed by the Federal Arbitration Act, 9 U.S.C. SS1 et seq. ("FAA"), and not by any state Arbitration law. The Arbitrator shall follow applicable law related to any Claim, statutes of limitation, and claims of privilege. Upon either party's timely request, the Arbitrator shall explain his decision in writing. The Arbitrator will set rules of procedure and evidence consistent with the FAA, this Section and the Arbitrator's rules.

Getting Information: Either party may ask the Arbitrator to allow it to obtain more information from the other party beyond the limits set by the Arbitrator's rules.

Effect of Arbitration Award: Any court may enter judgment upon an Arbitrator's award. The Arbitrator's decision will be final and binding except for (1) any appeal right under the FAA, and (2) any party may appeal awards of more than $100,000 to a three-Arbitrator panel appointed by the Arbitrator, which will reconsider any aspect of the appealed award from the beginning as if it had not been previously arbitrated. The panel's decision will be final and binding, except for any FAA appeal rights. Unless applicable law provides otherwise, the appealing party will pay the appeal's costs, regardless of its outcome. However, We will consider any reasonable written request for Us to bear the cost.

Continued Effect of Arbitration Section: This Section will survive the termination of Our relationship and remain in force no matter what happens to You or Your Contract. If any portion of this Section cannot be enforced, the rest of the Section will continue to apply. In case of a conflict or inconsistency between this Section, the Arbitrator's rules, or other Contract Sections, this Section will govern. Only a court may adjudicate the validity of this Section or any part of it.