Terms of Service
Effective Date: January 22, 2025
Welcome to WonderCare Insurance Services LLC. By using our website, services, or SMS messaging program, you agree to these Terms of Service (“Terms”). Please read them carefully before accessing or using our services.
1. Use of Services
By using WonderCare Insurance Services LLC services, you agree to:
• Provide accurate and complete information when creating an account, applying for insurance, or submitting claims.
• Use the services solely for their intended purpose (e.g., obtaining watch insurance coverage, managing policies, filing claims).
• Comply with all applicable laws and regulations.
Prohibited Uses:
You may not:
• Use our services to misrepresent information or engage in fraudulent activity.
• Interfere with or disrupt the operation of our website or services.
• Engage in any activity that violates applicable laws or regulations.
• Use SMS services to send spam, share sensitive personal or financial information unrelated to your policy, or engage in harassment or abusive behavior.
Misuse of our services may result in suspension or termination of your access.
2. SMS Messaging Program
Program Description:
Our SMS messaging program provides policy updates, claims notifications, reminders, and promotional offers related to your watch insurance coverage. By opting into our SMS program, you consent to receive recurring text messages at the phone number you provide.
Opt-In Process:
You opt into SMS messaging by providing your phone number during account creation, policy application, or other interactions. By doing so, you expressly consent to receiving SMS messages from WonderCare Insurance Services LLC. Consent is not a condition of purchasing insurance services.
Message Frequency:
Messages will be sent based on your service activity, including updates, reminders, and notifications related to your policies, claims, or insurance coverage.
Opt-Out:
You may opt out of SMS messages at any time by texting “STOP” to +1 347-752-5453. Once you opt out, you will receive a confirmation message, and no further SMS messages will be sent unless you opt back in.
Re-Subscribing to SMS:
If you wish to receive SMS messages again after opting out, text “START” to +1 347-752-5453. Your consent to receive SMS messages will resume upon re-subscription.
Help and Support:
For assistance with SMS messages, text “HELP” to +1 347-752-5453, or contact us via:
• Email: support@wondercare.com
• Phone: +1 347-752-5453
Message and Data Rates:
Standard message and data rates may apply based on your carrier plan. Contact your mobile carrier for details.
Carrier Liability:
Mobile carriers are not liable for delayed or undelivered messages. WonderCare Insurance Services LLC is not responsible for technical issues beyond our control.
Data Privacy for SMS Communications:
Phone numbers and related data collected for SMS communications are securely stored and used only for the purposes described in these Terms and our Privacy Policy. We will not share your phone number with third parties for marketing purposes without your explicit consent.
Geographic Limitations:
Our SMS messaging program is available only to users with mobile carriers based in the United States. Messages may not be delivered to international numbers.
3. Payments and Billing
Accuracy:
You are responsible for providing accurate and complete payment and billing information.
Payment Terms:
Premiums and associated fees must be paid as outlined in your policy documents. Payment methods and schedules will be provided during the application process.
Cancellations and Refunds:
Cancellation terms, including non-refundable fees (if applicable), are detailed in your policy documents. For high-value watches, appraisals and valuations submitted with claims may also impact cancellations or refunds.
4. Watch-Specific Insurance Services
Valuations and Appraisals:
For high-value watches (typically $10,000 or more), you may be required to provide an appraisal or valuation as part of the underwriting or claims process. Failure to provide requested documentation may impact your coverage.
Coverage Limits and Market Adjustments:
WonderCare policies may include coverage limits that account for fluctuations in market value. It is your responsibility to regularly update your watch valuations to ensure adequate protection.
Claims Process:
Claims are subject to review and verification. For stolen or lost watches, a police report may be required as part of the claims process.
5. Privacy
Your use of WonderCare Insurance Services LLC services is subject to our Privacy Policy. This policy outlines how we collect, use, and protect your personal information. By using our services, you consent to the practices described in the Privacy Policy.
6. Intellectual Property
All content, trademarks, logos, and materials provided by WonderCare Insurance Services LLC are owned by or licensed to us. You may not copy, distribute, or use any content without prior written consent.
7. Limitation of Liability
To the maximum extent permitted by law, WonderCare Insurance Services LLC will not be liable for:
• Indirect, incidental, or consequential damages arising from your use of our services.
• Technical failures, including delayed or undelivered SMS messages.
• Errors or omissions in policy documents or claims decisions made by insurers.
Our total liability for any claim related to your use of our services is limited to the amount you paid for the service, if applicable.
8. Disclaimer of Warranties
Our services are provided on an “as-is” and “as-available” basis. WonderCare Insurance Services LLC makes no guarantees regarding the availability, accuracy, or reliability of our services and disclaims all warranties to the fullest extent permitted by law.
9. Changes to Terms
We may update these Terms at any time. Material changes will be communicated via email or posted on our website at least 30 days before taking effect. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.
10. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of New York. Any disputes arising from these Terms will be resolved exclusively in the state or federal courts located in New York City, New York.
11. Contact Us
For questions or concerns about these Terms, please contact us at:
• Email: support@wondercare.com
• Phone: +1 347-752-5453
By using WonderCare Insurance Services LLC services, you acknowledge that you have read, understood, and agree to these Terms of Service.