Cell Phone Protection

To be eligible for Cellular Telephone Protection, you must be a Cardinal Credit Union Advantage Checking Accountholder (also referred to as “account”) enrolled in the Cellular Telephone Protection benefit and charge your monthly Cellular Wireless Telephone bills to your Advantage Checking account. Only Cellular Wireless Telephones purchased by the accountholder will be covered.

Cellular Telephone Protection begins the first day of the calendar month following the payment of the Cellular Wireless Telephone bill using eligible account. If the accountholder fails to make a Cellular Wireless Telephone bill payment in a particular month, the Cellular Telephone Protection is suspended. Provided the Cellular Telephone Protection continues to be offered, the benefit will resume on the first day of the calendar month following the date of any future Cellular Wireless Telephone bill payment with the eligible account.

Cellular Telephone Protection is supplemental to, and excess of, valid and collectible insurance or indemnity (including, but not limited to, Cellular Wireless Telephone insurance programs, homeowner’s, renter’s, automobile, or employer’s insurance policies). After all insurance or indemnity has been exhausted, Cellular Telephone Protection will cover the damage or theft up to $400.00 per claim, subject the terms, conditions, exclusions, and limits of liability of this benefit as well as the fifty-dollar ($50.00) co-payment. The maximum limit of liability is $600.00 per claim occurrence, and $1,200.00 per twelve (12) month period.

You will receive no more than the purchase price less your fifty-dollar ($50.00)

• Cellular Wireless Telephone accessories other than standard battery and/or standard antenna provided by the manufacturer.
• Cellular Wireless Telephones purchased for resale, professional, or commercial use.
• Cellular Wireless Telephones that are lost or “mysteriously disappear.” “Mysterious disappearance” means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
• Cellular Wireless Telephones under the care and control of a common carrier (including, but not limited to, U.S. Postal Service, airplanes, or delivery service).
• Cellular Wireless Telephones stolen from baggage unless hand-carried and under your personal supervision, or under the supervision of Your traveling companion who is previously known to you.
• Cellular Wireless Telephones stolen from a construction site.
• Cellular Wireless Telephones which have been rented, borrowed or Cellular Wireless Telephones that are received as part of a pre-paid plan or “pay as you go” type plans.
• Cosmetic damage to the Cellular Wireless Telephone or damage that does not impact the Cellular Wireless Telephone’s ability to make or receive phone calls.
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.
• Damage or theft resulting from misdelivery or voluntary parting with the Cellular Wireless Telephone.
• Replacement Cellular Wireless Telephone not purchased from a cellular service provider’s retail or Internet store (or authorized reseller).
• Taxes, delivery and transportation charges, and any fees associated with the cellular service provider.

Yes. If You want to file a claim, you will need copies of your account statement reflecting monthly Cellular Wireless Telephone bill payments during the time of the damage or theft and your store receipt for purchase of your new Cellular Wireless Telephone.

Call Cardinal Credit Union at (440) 266-2200 within sixty (60) days of damage or theft. Please note: If you do not give such notice within sixty (60) days after the damage or theft your claim may be denied. The Cardinal Credit Union representative will ask you for some preliminary claim information and direct you to the appropriate claim form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of damage or theft of the eligible Cellular Wireless Telephone or your claim may be denied.

•  Your completed and signed claim form.
• Copies of Your account statement reflecting the entire monthly Cellular Wireless Telephone payments for the month preceding the date of damage or theft.
• A copy of Your cellular wireless service provider billing statement that corresponds with the above account statement.
• A copy of the original Cellular Wireless Telephone purchase receipt or other sufficient proof, as determined in Cardinal Credit Unions sole discretion, of the Cellular Wireless Telephone model currently linked to your Cellular Wireless Telephone account.
• If the claim is due to theft or criminal action, a copy of the police report filed within forty-eight (48) hours of the occurrence.
• If the claim is due to damage, a copy of an insurance claim or other report as Cardinal Credit Union, in its sole discretion, deems necessary to determine eligibility for coverage. In addition Cardinal Credit Union may in its sole discretion require (a) an itemized estimate of repair from an authorized Cellular Wireless Telephone repair facility or (b) the Accountholder to submit the Cellular Wireless Telephone to Cardinal Credit Union to evaluate the damage or (c) an itemized store receipt for the replacement Cellular Wireless Telephone showing the purchase was made at a cellular service provider’s retail or Internet store (for example: Verizon Wireless, AT&T, T-Mobile, etc.).
• If the claim amount is less than your personal homeowner’s, renter’s, or automobile insurance deductible, a copy of Your insurance policy personal declaration page is sufficient for your claim. If the claim amount is greater than your personal homeowner’s, renter’s, or automobile insurance deductible, you are required to file a claim with your applicable insurance company and to submit a copy of any claims settlement from your insurance company along with Your claim form.
• Documentation (if available) of any other settlement of the claim.
• Any other documentation deemed necessary, in Cardinal Credit Union's sole discretion, to substantiate your claim. All claims must be fully substantiated as to the time, place, cause, and purchase price of the Cellular Wireless Telephone.

Depending on the nature and circumstances of the damage or theft, Cardinal Credit Union, at its sole discretion, may choose to repair or replace the Cellular Wireless Telephone or reimburse the accountholder for the lesser of a) $600.00 excess of the fifty-dollar ($50.00) co-payment; or b) the current suggested retail price of a replacement Cellular Wireless Telephone of like kind and quality, excluding taxes, delivery and transportation charges, and any fees associated with the Cellular Wireless Telephone service provider, less the fifty-dollar ($50.00) co-payment.

Please note: Cellular Telephone Protection is subject to a maximum of two (2) claim occurrences per twelve (12) month period. Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and approval of claim form and all required documents.

This protection provides benefits only to you, an eligible accountholder. Coverage is divided equally on joint accounts. You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to the Cellular Wireless Telephone from damage or theft. This provision will not be applied unreasonably to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and the Cellular Telephone Protection benefit may be canceled. Each accountholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

Once you report an occurrence of damage or theft, a claim file will be opened and shall remain open for six (6) months from the date of the damage or theft. No payment will be made on a claim that is not completely substantiated in the manner required by Cardinal Credit Union within six (6) months of the date of damage or theft.

After Cardinal Credit Union has paid Your claim, all your rights and remedies against any party in respect of this claim will be transferred to Cardinal Credit Union to the extent of payment made to You. You must give all assistance as may be reasonably necessary to secure all rights and remedies.

No legal action for a claim may be brought against Cardinal Credit Union until sixty (60) days after Cardinal Credit Union receives all necessary documentation needed to substantiate damage or theft. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against Cardinal Credit Union unless the terms and conditions of this Guide to Benefit have been complied with fully.

This benefit is provided to eligible accountholders. The terms and conditions contained in this Guide to Benefit may be modified.

Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefits will not apply to accountholders whose accounts have been suspended or canceled. The Cellular Telephone Protection described in this Guide to Benefits will not apply to accountholders whose applicable account(s) are closed, delinquent, or otherwise in default.

Cardinal Credit Union can cancel or non-renew the benefit, and if we do, we will notify you at least thirty (30) days in advance.