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Please review the complete PayHelm insurance coverage terms listed below.
Coverage provided by this program covers the parcel or freight and its contents from all risks of physical loss or damage from an external cause (subject to the exclusions listed below) while in transit. All parcel or freight that are covered by this program will be shipped in strict accordance with all regulations of the Carrier. Shipments must originate from the United States of America and/or Canada. Outbound shipments must be sent from the address of the Insured. Coverage is only provided for shipments through commercial parcel or freight companies. Packages must include valid tracking numbers. Services without tracking, such as USPS First Class Letter, are not eligible for insurance. Inbound and return shipments are not covered by this program.
Coverage is on a package-by-package basis.
If you reside in the state of California, you acknowledge that the insurance coverage is provided by Voyager Indemnity Insurance Company. Voyager is a non-admitted insurer.
If you are shipping using the United States Postal Service, make sure to follow the USPS International Mail Manual rules located here: http://pe.usps.com/text/imm/welcome.htm. If you ship a prohibited item, there is NO COVERAGE.
All provided information regarding shipments that require coverage must be correct and complete. If incorrect details are provided when insuring a package there will be no coverage. For example: If a package is submitted for insurance and declared as a USPS First Class mail shipment but actually sent via the USPS Priority Mail service, or any other service or carrier, there is no coverage.
In order for a package to be covered, the shipping carrier must have verified acceptance of your package for mailing. This is found on the
respective tracking websites of the shipping carriers. If a shipping label is printed but not scanned by the carrier as accepted it is deemed as never been mailed and there is no coverage.
This insurance covers up to $999.99 for USPS First Class Mail shipments, $1,000.00 for DHL Global Mail (eCommerce), FedEx SmartPost, and UPS Mail Innovations shipments, and $2,500.00 per package for other USPS, FedEx, and UPS, shipments. Maximum coverage per conveyance is $100,000.00.
This program does not provide coverage for the following:
CONFORMITY TO STATUTE – Any provision of this program that is not in conformity with the laws of the state in which this program is issued, is amended to comply with the minimum requirements of such law.
OTHER INSURANCE – This program is excess coverage if there is other insurance coverage. After the other insurance has paid up to its limit, our program will provide coverage up to its limit, but not exceeding the remainder of the loss.
Valuation – We shall be liable for the invoice value of parcel or freight lost, destroyed or damaged, however, in the event there is no invoice, we shall be liable for the actual cash value of the parcel or freight. Claims for repairs shall be payable for the fair market costs of such repairs. In no event shall claims exceed the value declared prior to shipment and declared for premium purposes. SHIPSURANCE reserves the right to disallow any user to purchase SHIPSURANCE insurance at any time with 10 days written, certified notice.
In the event a claim payment is made to an Insured and SHIPSURANCE subsequently determines that the insured package was delivered thereby resulting in no loss to the Insured, then the Insured agrees to promptly reimburse SHIPSURANCE for the amount of the claim payment upon demand by SHIPSURANCE.
PayHelm is providing this insurance through a third party company. You agree to in no way hold PayHelm or it’s entities accountable for any issues or claims that arise from purchasing or using Shipsurance. All claims will be filed through Shipsurance and will be enforced by the above coverage, terms, conditions and exclusions which are subject to change. You agree that PayHelm is in no way responsible for any loss, liability, claim, or demand that relates to insurance. Any issues must go through Shipsurance
directly.
You are solely responsible for ensuring that listings you add insurance to are covered under the above terms.
Your Insurable Address
Each item that you insure through PayHelm’s software must transfer specific data to our third party insurer Shipsurance. This data includes but is not limited to; your name, your address, and the eBay item number being insured.
This data is gathered from eBay directly through the API. By default, the address PayHelm uses as your ‘insured address’ is your default address on file with eBay. If this is an issue, you can choose not to use our insurance.
By purchasing shipping insurance online, you certify that all information provided is accurate and truthful. The submission of a false, fictitious, or fraudulent statement may result in imprisonment of up to 5 years and a fine of up to $10,000 (18 USC 1001). In addition, a civil penalty of up to $5,000 and an assessment of twice the amount falsely claimed may be imposed (31 USC 3802). Warning: any fraudulent claims will make the shipper and/or consignee liable for any prosecution for mail fraud under federal crime code.
Please Note: Placing a postage stamp on your package and dropping it in the mail flow DOES NOT provide proof of mailing. Please use an online label printing service or take your package to the post office to pay for postage and generate a label.
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