Welcome to Hooptie Shield ("Company," "we," "our," or "us"). By accessing or using our website and services, you agree to the following Terms and Conditions.
IMPORTANT NOTICE
Hooptie Shield is not an insurance company, and this agreement is not an insurance policy. All services are provided as a vehicle service contract.
1. Nature of Service
Hooptie Shield provides a vehicle protection plan designed to assist with certain vehicle repair costs.
All services are provided as a vehicle service contract, subject to the terms, conditions, limitations, and exclusions outlined below.
2. Eligibility
To use Hooptie Shield, you must:
Be at least 18 years old
Provide accurate and truthful vehicle and personal information
Own or have authorization to register the vehicle
We reserve the right to approve or deny any vehicle for coverage at our discretion.
3. Coverage Plans
Hooptie Shield offers multiple protection plans, which may include:
Basic Plan – Limited coverage for essential components
Standard Plan – Expanded coverage for additional systems
Premium Plan – Broader coverage with higher limits
Each plan includes:
A maximum payout per claim
A maximum total payout per year
Specific coverage details are displayed at the time of purchase and within your account dashboard.
4. Payment Terms
Plans are billed on a monthly subscription basis
Payments are processed securely via a third-party payment processor
Failure to make payment may result in suspension or cancellation of coverage
All payments are non-refundable, except where required by law.
5. Waiting Period
A 30-day waiting period applies to all new plans.
Coverage begins only after this period
Claims submitted during the waiting period will be denied
6. Claims Process
To submit a claim, you must:
Provide a detailed description of the issue
Submit a valid repair invoice or receipt
Provide repair shop information
Submit any additional documentation requested
Hooptie Shield reserves the right to:
Approve or deny any claim
Request further verification
Inspect the vehicle or repair work
Pay repair shops directly or reimburse customers
7. Coverage Limits
All plans are subject to:
Maximum payout per claim
Maximum payout per 12-month period
Claims exceeding these limits will not be covered.
8. Exclusions
Hooptie Shield does not cover:
Pre-existing conditions or issues
Normal wear and tear
Cosmetic damage (paint, dents, scratches)
Damage caused by neglect or lack of maintenance
Unauthorized or unverified repairs
Fraudulent or misleading claims
Modified or aftermarket components (unless approved)
We reserve the right to deny any claim that violates these exclusions.
9. Customer Responsibilities
You agree to:
Maintain your vehicle according to manufacturer guidelines
Keep records of maintenance and service
Notify Hooptie Shield promptly of any issues
Failure to properly maintain your vehicle may result in denied claims.
10. Cancellation Policy
You may cancel your plan at any time.
Coverage remains active until the end of the current billing period
No partial refunds will be issued for unused time
Hooptie Shield reserves the right to cancel or suspend accounts for:
Fraud or abuse
Violation of these Terms
Non-payment
11. Limitation of Liability
Hooptie Shield's total liability is limited to:
The maximum coverage limits of your selected plan
We are not liable for:
Indirect or consequential damages
Loss of income or business
Vehicle downtime or inconvenience
12. No Guarantee of Coverage
Hooptie Shield does not guarantee:
Approval of any claim
Coverage for all repair situations
All claims are subject to review, verification, and plan limitations.
13. Modifications to Service
We reserve the right to:
Update or modify plans
Adjust pricing
Change features or coverage terms
Users will be notified of any significant changes.
14. Privacy
Your personal information is handled in accordance with our Privacy Policy. We do not sell sensitive personal data to third parties.
15. Governing Law
These Terms shall be governed by the laws of the State of [Insert State].