Sears PurchaseProtect

You will find copy of your agreement terms and conditions below:

Sears PurchaseProtect

Retain this document as proof of ownership.
This is not a contract of insurance.

This Sears PurchaseProtect plan is a legal contract (referred to hereinafter as “Agreement” or “Plan”) between you the customer and the Obligor. Throughout this Agreement the terms “Obligor”, “we,” “us,” and “our” refer to Sears Protection Company (“SPC”), a wholly-owned subsidiary of Sears, Roebuck and Co. (“Sears”).The terms “you” and “your” refer to the purchaser of this Plan. Obligations under this Agreement are backed by the full faith and credit of the Obligor.

  1. COVERED PRODUCT. The coverage provided by this Agreement applies only to the product(s) for which you specifically purchased this Plan (each referred to hereinafter as a “Covered Product”) as shown on your Sears sales receipt. The sales receipt is incorporated herein by reference.

  2. ELIGIBILITY FOR COVERAGE. This Plan must be purchased at the same time as the purchase of the merchandise to be covered.

  3. TERM. The term of this Agreement ("Term") is three (3) years for Sears’ Craftsman and Kenmore products and two (2) years for all other products. In accordance with Sears’ Return Policy, the Term for home electronics products begins on the 31st day after the date the original product was purchased and the Term for all other products begins on the 91st day after the date the original product was purchased. This Plan will be fulfilled and the Term shall expire as to each Covered Product when a product reimbursement or product exchange is made for that Covered Product after the beginning of the Term. This Agreement is not renewable.

  4. FULFILLMENT INSTRUCTIONS. You must keep your sales receipt. It will be a required reference for store return(s), registration of your Plan, and making a claim. Coverage under this Plan does not begin until after the applicable deadline passes for returning your product to your local Sears store under Sears’ Return Policy (see your sales receipt for explanation of Sears Return Policy). If your product fails prior to the commencement of coverage under this Plan, please return the product to your local Sears store for return or exchange in accordance with Sears’ Return Policy. If after the Term of this PurchaseProtect plan begins (see Section 3 above) your Covered Product fails, then call customer service at 1-800-573-1088 or go online at www.searspurchaseprotect.com to initiate a claim. There is no deductible for this Plan.

    If product failure occurs then product is Customer should:
    within 30 days of original purchase for home electronics not yet covered under this Plan. return the product to local Sears store
    within 90 days of original purchase for all other products not yet covered under this Plan. return the product to local Sears store
    more than 30 days after original purchase for home electronics and during the Term of this Plan a Covered Product under this Plan. call 1-800-573-1088 or go online to www.searspurchaseprotect.com to submit a claim under this Plan
    more than 90 days after original purchase for all other products and during the Term of this Plan a Covered Product under this Plan. call 1-800-573-1088 or go online to www.searspurchaseprotect.com to submit a claim under this Plan

    PLEASE NOTE: Do not go to your Sears store to make a claim under your Sears PurchaseProtect plan. All PurchaseProtect claims should be made either by phone or online. YOUR LOCAL SEARS STORE CANNOT ACCEPT OR PROCESS CLAIMS MADE UNDER YOUR PURCHASEPROTECT PLAN.

  5. COVERAGE. Subject to the terms and conditions of this Agreement, if during the Term of this Agreement (as that term is defined above) the Covered Product fails to operate properly due to defects in materials, workmanship, or normal wear and tear (including a malfunction resulting from a power surge if the power surge was not caused by lightning, fire, flooding or other act of nature), then at our sole discretion we will either: (a) provide you a product reimbursement in the form of a Sears gift card in an amount equal to your original purchase price of the Covered Product (plus allocated sales tax allowance if applicable) for replacement of the product; or (b) provide you with a new or refurbished comparable product replacement based solely on the current value of the Covered Product as determined by us (from a Sears or Sears-affiliated store). As a pre-condition to your receiving the Sears gift card or comparable product replacement described in the preceding sentence, we may require you to ship to us the Covered Product or a related Covered Product component at our expense using the shipping labels that we will provide to you and complete the shipping requirements as instructed by us.

    Coverage on Watches: This agreement covers the band, case, clasp, crown, cracked crystal, inner movement and stem. Where the failure is limited to a watchband or strap, we may elect to replace either the complete watch or the band, at our discretion.

    TECHNOLOGICAL ADVANCES AND REPLACEMENT PRODUCT AVAILABILITY MAY RESULT IN A REPLACEMENT PRODUCT WITH A LOWER SELLING PRICE THAN THE ORIGINAL PRODUCT. IN ALL CASES, PRODUCT COMPARABILITY FOR A REPLACMENT PRODUCT WILL BE DETERMINED BY US AT OUR SOLE DISCRETION. You have no obligation to perform preventive maintenance on the Covered Product(s).

    THERE ARE CERTAIN LIMITATIONS TO COVERAGE UNDER THIS AGREEMENT WHICH ARE SET FORTH IN SECTION 6 BELOW AND IN CERTAIN SPECIAL STATE PROVISIONS WHICH ARE ALSO SET FORTH BELOW BEGINNING IN SECTION 10.

  6. LIMITATIONS OF COVERAGE. THIS AGREEMENT DOES NOT COVER:
    1. Any product operated outside of the United States, Puerto Rico, Guam or the U.S. Virgin Islands;
    2. Any product used for any business or commercial purposes (A product is "used for business or commercial purposes" if it is used for any purpose other than single family household purposes);
    3. Damage or other product failure due to causes beyond our control including, but not limited to, repairs necessitated because of operator or owner negligence (such as the failure to maintain the product according to the owner’s manual instructions); improper installation, CRT-based or Plasma television burn-in, accidental damage, abuse, misuse, vandalism, theft, rust, corrosion, animal or insect infestation, damage caused by lightning and acts of nature;
    4. Damage resulting from any alteration of the Covered Product or repairs made during the Term which were not authorized by us, or are made by parties not specifically authorized by us;
    5. Non-functional parts or defects, such as cosmetic defects, trim parts, etc.;
    6. Preventive maintenance;
    7. Expendable items including, but not limited to, batteries (except for rechargeable), bulbs (except TV bulbs and lamps), blades, wheels, belts, tires, filters, food and bags; and
    8. Replacement or servicing of product due to any type of manufacturer’s recall.

  7. TRANSFERABILITY. This Agreement is transferable to any subsequent owner of the Covered Product(s), subject to the terms and conditions of this Agreement.

  8. CANCELLATION AND REFUNDS. You may cancel this Agreement at any time for any reason by bringing this Agreement together with your sales receipt to any Sears or Sears PR retail store in the United States or Puerto Rico. We may cancel this Agreement if you fail to pay, make a material misrepresentation, or substantially breach your duties under this Agreement. We may also cancel this Agreement if the Covered Product does not have a legible model or serial number or is in a disassembled state. If this Agreement is cancelled (i) within thirty (30) days after purchase for home electronics, (ii) within ninety (90) days after purchase for all other products, or (iii) prior to the expiration of the full manufacturer’s warranty for the Covered Product at issue, excluding warranties covering component parts of the Covered Product, we will refund the total price you paid for this Agreement for the Agreement coverage actually being cancelled (the “Total Price”). If this Agreement is cancelled thereafter during the Term of coverage, we will refund the Total Price allocable to the remainder of the term prorated on a monthly basis for the Covered Product that is specifically the subject of such cancellation. If there is more than one product being covered under the terms and conditions of this Agreement and only one of the products is being cancelled from this Agreement, the Total Price shall mean the price paid for this Agreement that is allocated to such product being cancelled. The Agreement shall remain in effect for any other Covered Product(s) not the subject of such cancellation. Any refund will be made in the same form as the original payment of this Agreement. UNDER NO CIRCUMSTANCES WHATSOEVER SHALL THE MONETARY RECOVERY EXCEED THE VALUE OF THE TOTAL PRICE YOU PAID FOR THIS AGREEMENT.

  9. LIMITATION OF LIABILITY. WE AND OUR AGENTS, CONTRACTORS OR LICENSEES ARE NOT LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, PROPERTY DAMAGE, LOST TIME, LOSS OF USE OF COVERED PRODUCT(S) OR ANY OTHER DAMAGES RESULTING FROM THE BREAKDOWN OR FAILURE OF COVERED PRODUCT(S), DELAYS IN SERVICING OR THE INABILITY TO SERVICE ANY COVERED PRODUCT(S) EXCEPT AS MAY OTHERWISE BE REQUIRED BY LAW.

    UNDER NO CIRCUMSTANCES WHATSOEVER SHALL OUR OBLIGATIONS TO YOU UNDER THIS AGREEMENT FOR MONETARY RECOVERY EXCEED THE VALUE OF THE TOTAL PRICE YOU PAID FOR THIS AGREEMENT.

  10. WISCONSIN CUSTOMERS. THIS AGREEMENT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE WISCONSIN COMMISSIONER OF INSURANCE. If we fail to pay any valid claim within sixty (60) days, you may make a claim directly against Virginia Surety Company, Inc. 1000 North Milwaukee Avenue, Glenview, Illinois 60025.


Sears Protection Company (“SPC”), Obligor, Dept. 702SRC, 3333 Beverly Road, Hoffman Estates, IL 60179


This Privacy Notice is separate and distinct from the Sears Purchase Protect Plan entered into between the Obligor and you. This Privacy Notice is in compliance with Wisconsin Privacy regulations and in no way replaces or supersedes the above Agreement

FINANCIAL INFORMATION PRIVACY NOTICE BY SEARS AND SEARS PROTECTION COMPANY FOR WISCONSIN RESIDENTS:

Your Rights
The Obligor gathers your information in an effort to provide you with exceptional service and offers that will be of interest to you and to administer our business. The Obligor does not rent or sell your customer information except as provided below. If it were to sell all or part of its business, it would share your information related that business as part of the sale. Because you have a service contract issued by or through SPC, you have provided certain personal information. Employee access to your information is restricted on a “need to know” basis, and our employees are educated about the importance of safeguarding your information to protect against unauthorized disclosure or use of that information.

About the Information We Collect
To serve you better and communicate on a more personal level, we collect information from these sources (examples are for illustration purposes and are not a complete list of sources of information):
  • Applications and other forms with your name and contact information;
  • Computer “cookies,” which tell us about your internet service provider and browser;
  • Your Sears credit card account, which includes information like your account balance, payment history and purchase details; and
  • Third-party sources, who, for example may provide:
    • claims information from our service providers to facilitate handling of your claims;
    • demographic information (age, gender, household size, etc.);
    • information about your purchases from other business;
    • mailing lists

About the Businesses with Whom We Share Your Information

Type of Business

Outside Contractors and Service Providers
These are companies, such as service providers and mailing houses, necessary in order to perform our role in a transaction involving you. We also share information with Citibank, USA, N.A. as necessary to process the purchase of a protection agreement with your Sears credit card.

Exempt Third Parties
This includes companies that process our financial products and services, companies that maintain and safeguard our account information, certain companies connected with the sale of all or part of one of our businesses, and government agencies and other authorized parties as necessary to respond to legal subpoenas and other legal process.

Affiliates
These are businesses owned and operated by Sears. Examples include Sears Protection Company, Sears.com, Sears proprietary catalogs (including Wish Book and Craftsman Power and Hand Tool Catalog).

Non-Affiliates
These are Sears franchisees and Licensees – companies that provide Sears-branded products and services but that are not owned or operated by Sears.

What Information We May Share

The law allows us to share the following with Outside Contractors and Service Providers:
  • The fact that you have a Protection Agreement issued through or by SPC.
  • Your name, address and phone number.
  • How you pay for your SPC issued agreement and information as necessary to bill your agreement purchase price.

We are permitted by law to share financial information about you with Exempt Third Parties as necessary.

The fact that you have a protection agreement issued through SPC, your name, address and phone number; how you pay for your agreement issued through SPC, and information as necessary to bill your agreement purchase price or pay your claim.

SPC will not share your financial information, unless a non-affiliate is acting as an “Outside Contractor” or “Service Provider” or an “Exempt Third Party,” except as outlined above.


Sears Protection Company, Obligor, Dept. 702SRC, 3333 Beverly Road, Hoffman Estates, IL 60179