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This Guide to benefits contains detailed information about insurance, retail protection and travel services you can access as a preferred cardholder. This Guide super- sedes any guide or program description you may have received earlier.
To file a claim or for more information on any of these services, call the Mastercard Assistance Center
at
1-800-Mastercard: 1-800-627-8372,
or en Español: 1-800-633-4466.
“Card” refers to Mastercard® card and “Cardholder” refers to a Mastercard® cardholder.
Key Terms:
Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG company, Inc. (Except for Price Protection and Satisfaction Guarantee refer to AIG Warranty Guard, Inc.)
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 can 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 an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating Organization for the covered card.
Covered card means the Mastercard debit card.
Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. 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 a part of your coverage.
Non-auction internet advertisements means advertisements posted on the Internet, by a non-Auction Internet merchant with a valid tax identification number. The advertisement must have been posted within sixty (60) days after the date you purchased the product and must be for the identical item (advertisement must verify same manufacturer and model number). The printed version of the Internet advertisement must include the merchant’s internet address and customer service telephone number, as well as the item including manufacturer, model number, sale price and date of publication.
Printed advertisements means advertisements appearing in a newspaper, magazine, store circular, or catalog which state the authorized dealer or store name, item (including make, model number), and sale price. The advertisement must have been published within sixty (60) days after the date you purchased the product and must be for the identical item (advertisement must verify same manufacturer and model number).
United States Dollars (USD) means the currency of the United States of America.
Program Description:
Mastercard ID Theft Protection provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft.
Eligibility:
To be eligible for this coverage, you must be a Mastercard cardholder issued by a U.S. financial institution.
Access:
Simply contact 1-800-Mastercard if you believe you have been a victim of Identity Theft.
Services provided:
Services provided are on a 24-hour basis, 365 days a year. They include:
Mastercard ID Theft Alerts™:
Mastercard is offering cardholders cyber security through ID Theft Alerts, CSID’s proprietary Internet surveillance technology that proactively detects the illegal trading and selling of personally identifiable information (PII) online. At any point in time, ID Theft Alerts is tracking thousands of websites and millions of data points, and alerting cardholders whose personal information they find has been compromised online. This information is being gathered in real-time so that Cardholders have the opportunity to react quickly and take the necessary steps to protect themselves. Get started at no cost to you by enrolling at http://www.mastercard.us/idtheftprotection.
Charges:
There is no charge for these services, they are provided by your Financial Institution.
Services NOT provided:
Program provisions for Mastercard ID Theft Protection:
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, CS Identity, 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.
Evidence of Coverage
Refer to Key Terms for the definitions of You, Your, We, Us, Our, and words that appear in bold and Legal Disclosures.
A. To get coverage:
B. The kind of coverage you receive:
C. Coverage limitations:
D. What is NOT covered:
E. How to file a claim:
The Legal Disclosure is part of this agreement.
A. To get coverage:
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.
You must see either a printed advertisement or non-auction Internet advertisement for the same product (advertisement must verify same manufacturer and model number) for a lower price within sixty (60) days from the date of purchase as indicated on your receipt.
B. The kind of coverage you receive:
C. Coverage limitations:
Coverage is limited to the difference between the actual cost of the item (excluding taxes, storage, shipping, and handling costs) and the advertised lower price, up to $250 per claim. There is a maximum of four (4) claim(s) per cardholder account per twelve (12) month period.
D. What is NOT covered:
E. How to file a claim:
For a Printed Advertisement:
For a Non-Auction Internet Advertisement:
The Legal Disclosure is part of this agreement.
A. To get coverage:
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.
B. The kind of coverage you receive:
C. Coverage limitations:
Coverage is limited to the actual cost of the item (excluding taxes, storage, shipping, and handling costs), up to $250 per claim. In no event will we pay more than the purchase price of the item.
Items must be returned undamaged, in good working condition, and in its original and complete packaging. You are responsible for all mailing costs.
D. What is NOT Covered:
E. How to file a claim:
Call1-800-Mastercardor go to www.mycardbenefits.com to initiate a claim. You must report the claim within sixty (60) days of the date of purchase or the claim may not be honored.
You must send the item to us or our administrator before any claim will be paid. Item 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.
Your passport to the finer side of air 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 450
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 visit www.mastercard.com/airportconcierge or consult your Travel Advisor.
Important: Contact ICM directly for questions concerning your account, such as account balance, billing inquiries (including transaction exchange rates), merchant disputes, or information about additional services not described in this Guide. Please visit www.investorcashmanagement.com for additional information.
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have
associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s
fee is your responsibility).
The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG
company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC is
governed by the Group Policy.
Effective date of benefits: Effective March 1, 2017, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at anytime. Notice will be provided for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to the cardholder whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented any material facts concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if
there is an unresolved dispute concerning this EOC (including the cost of, lack of or actual repair or
replacement arising from a loss or breakdown). Under this Arbitration provision, You give up your right to
resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a
class representative or class member in any class action litigation, any class arbitration or any
consolidation of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is
an independent, neutral third party) will give a decision after hearing the parties’ positions. The decision
of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the
arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of
law.
To start arbitration, the disputing party must make a written demand to the other party for
arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or
the dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will
select a third arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator
selected by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise
agreed to by the parties, the arbitration will take place in the county and state in which You live. The
arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state
law concerning arbitration. The rules of the American Arbitration Association (www.adr. org) will apply to
any arbitration under this EOC. The laws of the state of New York (without giving effect to its conflict of
law principles) govern all matters arising out of or relating to this EOC and all transactions contemplated
by this EOC, including, without limitation, the validity, interpretation, construction, performance and
enforcement of this EOC.
Due Diligence:
All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property insured under these programs. “Due diligence” means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.
Subrogation:
If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardholder who receives payment under these benefits must transfer to the insurance company 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, or these rights will be recovered from the cardholder.
Salvage:
If an item is not repairable, the claim administrator may request that the cardholder or gift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.
Other Insurance:
Coverage is secondary to and in excess of any other applicable insurance or indemnity available to You.
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 Other Insurance clause will take precedence over a similar clause found in
other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance
clause will take precedence over the non-contribution clause found in any other insurance policies.
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 master insurance policies, or an issuer’s, or the Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.
To file a claim, call 1-800-Mastercard: 1-800-627-8372 , or en Español: 1-800-633-4466.
Visit our Web site at www.mastercard.com.