Membership Agreement

1. Definitions

2. Purpose & Acceptance

2.1 Purpose – This Agreement governs eligibility, benefits, limitations, and the deductible benefit process for your Deductify membership.

2.2 Acceptance – Your enrollment or continued use constitutes your express agreement to these terms. If you do not agree, do not enroll.

3. Membership Benefits

3.1 Deductible Benefit Payments (Not a Loan) – Subject to this Agreement, Deductify may provide deductible benefit payments for collision losses and, if purchased, OE Parts Protection benefits for each eligible Vehicle up to the limits of your Membership Plan. The deductible benefit is not a loan; you will never be required to repay amounts paid under this program.

3.2 Deductible Payout Limits – Maximum one (1) deductible payout per Vehicle in any rolling 12-month period.

3.3 No Guarantee of Approval – Submission of a deductible benefit does not guarantee payment; all requests undergo internal review (Section 7) and may be denied if program requirements are not met.

3.4 Benefit Limit Examples:

*Deductify never pays more than the actual deductible shown on your insurance claim.

4. Membership Eligibility & Registration

4.1 Eligibility Criteria – Only Vehicles registered in your membership, with photos and documentation uploaded through the member portal, and approved by Deductify are eligible.

4.2 Deductify Review – We may approve, deny, or cancel any Vehicle registration or membership at our sole discretion.

5. Deductible Request Process

5.1 Requirements – To qualify for a deductible payment, you must:

• File a valid auto-insurance claim with your insurer and obtain a claim number.
• Upload the claim number, date of loss, and all requested documents via the portal within twenty (20) days of the date of loss.
• Ensure the VIN on your insurance claim matches the VIN on file with Deductify. No payment will be made for a different VIN.

5.2 Exclusions – Deductify will deny a deductible benefit request if:

• The incident occurred before membership activation or during the 30-day Grace Period;
• The complete deductible benefit request is submitted more than twenty (20) days after the date of loss;
• Documentation is incomplete, inaccurate, unverifiable, or not submitted as required;
• The deductible exceeds the applicable Membership Plan limit or the actual deductible incurred.

5.3 Right to Audit – We may audit any deductible benefit request, request additional documentation, or employ third-party evaluators to verify legitimacy.

6. Membership Fees, Billing & Cancellation

6.1 Fees – Membership fees are billed in advance and may change with 30-days' notice.

6.2 Vehicle Replacement & Grace Period – When you add, reinstate, or replace a Vehicle, that Vehicle is subject to the same 30-day Grace Period before deductible benefit becomes eligible.

6.3 Cancellation – You may cancel any time via the portal; fees are non-refundable and the membership remains active through the current billing cycle.

6.4 Collection Costs – If your payment method fails and legal or collection efforts are required, you agree to reimburse Deductify for reasonable collection costs, including attorneys' fees.

7. Internal Review & No Guarantee of Payment

All deductible benefit requests undergo Deductify's internal review. Requests may be approved or denied based on program requirements; no Member is guaranteed approval regardless of prior payments.

8. Membership Termination

8.1 Termination by Deductify – We may suspend or terminate your membership immediately if you:

• Submit false, misleading, or fraudulent information;
• Breach any provision of this Agreement; or
• Engage in conduct that harms Deductify's reputation or operations.

8.2 Effect of Termination – No refunds; notice will be sent to your email or posted in your portal.

9. Refund Policy

10. Limitation of Liability & Service Interruptions

10.1 Indirect Damages – Deductify is not liable for incidental, indirect, or consequential damages.

10.2 Liability Cap – Our total liability shall not exceed the total membership fees paid by you in the twelve (12) months preceding the event giving rise to the dispute.

10.3 Service Interruptions – Deductify is not responsible for delays, outages, or failures resulting from events beyond its control, including third-party processor issues, system maintenance, or force-majeure events.

11. Indemnification

You agree to indemnify and hold harmless Deductify from liabilities arising out of your misuse, fraudulent submissions, or disputes with insurers.

12. No Insurance Relationship

13. Force Majeure

Deductify is excused from performance for causes beyond its control, such as natural disasters, cyberattacks, or government actions.

14. Privacy & Data Usage

By enrolling, you consent to data collection, use, and storage as described in our Privacy Policy and to receive electronic communications.

15. Dispute Resolution & Arbitration

All disputes shall be resolved by binding arbitration administered by the AAA in Delaware. Prevailing-party attorneys' fees shall be awarded at the arbitrator's discretion. Any dispute, action, or cause of action must be filed within six (6) months after the underlying event, or it is permanently barred.

Class-Action Waiver: Claims may be brought only on an individual basis.

16. Electronic Communications

You consent to receive notices electronically and are responsible for maintaining accurate contact information.

17. Modifications

Deductify may amend this Agreement at any time; notice will be provided via email or portal. Continued use constitutes acceptance.

18. Governing Law

This Agreement is governed by the laws of the State of Delaware without regard to conflict-of-law rules.

19. Contact Information

20. Acknowledgment

By purchasing a Deductify membership, you affirm that you have read, understood, and agreed to be legally bound by this Agreement.