This Lifetime Care Plan is guaranteed by Berkshire Hathaway. Helzberg's Diamond Shops, Inc. is a 100% owned subsidiary of Berkshire Hathaway. Berkshire Hathaway agrees to guarantee all obligations of Helzberg Diamonds relating to the operation of a care plan in your state during such time as Berkshire maintains ownership of Helzberg. This guarantee is irrevocable as long as there is in force in your state any contract or any obligation arising from Helzberg service contracts sold while Berkshire owned Helzberg. Berkshire Hathaway may be contacted at: Berkshire Hathaway 3555 Farnam Street #1440 Omaha, NE 68131.
The rate charged for this contract is not subject to regulation by the Florida Office of Insurance Regulation. In the event the contract is cancelled by the warranty holder, return of premium shall be based upon 90% of unearned pro-rata premium less any claims that have been paid or less the cost of repairs made on behalf of the warranty holder. In the event the contact is cancelled by Helzberg Diamonds, return of premium shall be based upon 100% of unearned pro-rata premium less any claims paid or the cost of repairs made on behalf of the warranty holder.
If this Lifetime Care Plan is cancelled within the first thirty (30) days you will receive a 100% refund. If you cancel after thirty (30) days of receipt of your contract, you will receive a pro-rata refund of the contract price. A time period of 7 years will be used to calculate a pro-rata refund. In the event of cancellation by Helzberg Diamonds, notice of such cancellation will be in writing and given at least 30 days prior to cancellation. Cancellation will comply with Section 33-24-44 of the Code of Georgia. Claims paid and cancellation fees shall not be deducted from any refund owed as a result of cancellation by Helzberg or you. Helzberg may not cancel this contract except for fraud, misrepresentation, or non-payment by you. Any refund owed and not paid as required is subject to a penalty of 25% of the refund owed and interest of 18% per year until paid; however, such penalty shall not exceed 50% of the amount of the refund. This is not a contract of insurance. Obligations of the obligor under this contract are insured by a bond with Hartford Fire Insurance Company. If you file a claim under this contract and the obligor fails to pay or provide service within thirty (30) days of such filing such claim, or if you are otherwise dissatisfied, please submit your claim in writing and a copy of this contract and the sales receipt for the product to The Hartford Fidelity & Bonding (BOND) Hartford Plaza, 690 Asylum Avenue, Hartford, CT 06115
Illinois, Arizona, Nevada and California Addendum
For Illinois, Arizona, California and Nevada customers only, this Lifetime Care Plan may be cancelled at any time during its term, subject to the following conditions: If this Lifetime Care Plan is cancelled within the first thirty (30) days of the coverage period and so long as you return the Lifetime Care Plan Kit with your receipt, Helzberg Diamonds will refund the entire purchase price (100%). If this Plan is cancelled at any time thereafter and so long as you return the Lifetime Care Plan Kit with your receipt, Helzberg Diamonds will refund to you a pro-rata portion of the purchase price based on the following calculation. A time period of 7 years will be used to calculate a pro-rata refund. To calculate the month in which coverage began under this Lifetime Care Plan, it will be considered a month only if this Lifetime Care Plan was purchased before the 15th of such month. The month in which this plan was cancelled will be considered a covered month only if it is cancelled after the 15th of such month. Pro-rata refunds will be given based on the number of months remaining in the extended warranty period, divided by 84, multiplied by the original selling price. For example, a $179.99 plan purchased on January 7, 2008, and returned on July 7, 2008, would have 78 months remaining out of 84, so the calculation would be 78/84 x $179.99, to arrive at a refund amount of $167.13.
If the care plan is cancelled within the first (30) days of the coverage period (or within 10 days of the receipt of the contract, whichever happens last), Helzberg Diamonds will refund the entire purchase price (100%) of the plan. A ten percent (10%)penalty shall be added to a refund that is not paid or credited within forty-five(45)days of return of the contract to the provider. This contract is not an insurance contract.
In the event that you do not receive satisfaction under this contract, you may contact the New Hampshire insurance department. New Hampshire Insurance Department, 21 South Fruit Street, Suite 14, Concord, NH 03301 (603) 271-1406.
For New York, this Plan does not cover the replacement or repair of chipped gemstones.
South Carolina Addendum
For any disputed claims, you may contact: South Carolina Department of Insurance Capital Center, 1201 Main Street, Suite 1000 Columbia, SC 29201 (803) 737-6180. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after the return of the contract to the provider.
Rent to Own (RTO) is not applicable for this state.
THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE INSURANCE COMMISSIONER OF INSURANCE.
Helzberg Diamonds may cancel this Lifetime Care Plan only for your nonpayment of the provider fee, your material misrepresentation to Helzberg Diamonds, or your substantial breach of duties relating to the covered product or its use.
If Helzberg Diamonds cancels this Lifetime Care Plan, you will receive a written notice by mail at your last-known address contained in Helzberg Diamonds’ records. You will receive the notice at least 5 days prior to cancellation. The notice will state the effective date of the cancellation and the reason for the cancellation.
If Helzberg Diamonds cancels this Lifetime Care Plan for a reason other than nonpayment of the provider fee, you will receive a 100% refund of the unearned pro-rata provider fee, less any claims paid.
If you cancel this Lifetime Care Plan within the first 30 days of coverage, the Lifetime Care Plan will be void and Helzberg Diamonds will refund to you the full purchase price of this Lifetime Care Plan, so long as you return the Lifetime Care Plan Kit with your receipt and no claim has been made under this Lifetime Care Plan. The right to void this Lifetime Care Plan is not transferable and will apply only to the original Lifetime Care Plan holder.
If you cancel this Lifetime Care Plan after the first 30 days of coverage, or if you cancel within the first 30 days but a claim was made under this Lifetime Care Plan during the first 30 days, Helzberg Diamonds will refund to you 100% of the unearned pro-rata provider fee, less any claims paid. Helzberg will charge an administrative fee of 10% of the provider fee for such cancellations.
In the event of a total loss of the property covered by this Lifetime Care Plan that is not covered by a replacement of the property under this Lifetime Care Plan, you will be entitled to cancel this Lifetime Warranty Plan and Helzberg will refund to you 100% of the unearned pro-rata provider fee, less any claims paid.
Pro-rata refunds will be calculated using a time period of 7 years. If Helzberg Diamonds fails to pay or credit a refund within 45 days after the return of the Lifetime Care Plan as described above, Helzberg Diamonds will pay a 10% per month penalty of the refund amount outstanding which will be added to the amount of the refund.
When you purchase a watch from us, we guarantee that it is free of any manufacturing defects. Should you decide your new watch doesn't meet your needs, return it to us within 30 days of purchase, unworn, complete with the original packaging, manufacturer's warranty materials, any watch band links removed during sizing, and your sales receipt. We'll help you choose another watch to suit your needs, or refund your money.
Unlike other jewelry, watches contain delicate machinery and electronics. The manufacturer guarantees your watch to be free from manufacturing defects. A description of the repairs covered by the manufacturer of your watch are detailed in the enclosed warranty. The watch assurance coverage plan does not cover damage to case, crystal, stem, band or clasp. Please review this warranty and call us at 1-800-435-9237 if you have any questions.
Just bring your watch to the Helzberg Diamonds location nearest you along with your warranty and sales receipt. We'll be happy to contact the manufacturer for you and handle the shipping.