Refunds & Cancellation Policy

Your service contract may be cancelled at any time online or by calling SMUSA. If this Agreement is cancelled within thirty (30) days of the Start Date, a full refund will be issued. If this Agreement is cancelled more than thirty (30) days after the Start Date, the cancellation will be effective at the end of the then current billing month and You will be entitled to a prorated refund less any claims paid by SMUSA, if applicable.

This Agreement may be cancelled if Your local utility company or municipality provides similar coverage to You at no charge. You must contact SMUSA to cancel this Agreement and You will receive a refund of the payments You have made less any claims paid by SMUSA. Proof of similar coverage from your utility company or municipality may be required for the cancellation to be effective. If it is confirmed that such utility or municipality coverage exists or if You are otherwise ineligible for the coverage provided by this Service Agreement, SMUSA may cancel this Agreement with no less than fifteen (15) days written notice to You. At that point, SMUSA will refund the payments You have made less any claims paid.

This Agreement may also be cancelled by SMUSA, with no less than fifteen (15) days written notice to You for: (a) non-payment of Service Contract fee; or (b) Your fraud or misrepresentation of facts that are material to this Service Agreement or benefits provided under it, or (c) substantial material breach of duties under this Agreement by You in relation to a covered item or its use.

If this Service Agreement is cancelled by SMUSA, We will provide written notice under this section which will inform You the reason for and effective date of the cancellation. The notice periods referred to in this section begin when We send the notice to You.