Final Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or
other contract.
Benefits are purchased and provided free to you, but non-insurance services may have
associated costs, which will be your responsibility (for example, legal referrals are free,
but the lawyer’s fee is your responsibility).
MasterRental and Extended Warranty coverage is provided under a Group Policy of
insurance issued by Virginia Surety Company, Inc. This Guide to Benets is intended
as a summary of benets provided to you. The attached Key Terms and EOC and all
the information about the insurance benefits listed in this Final Legal Disclosure is
governed by the conditions, limitations, and exclusions of the Group Policy.
Privacy Notice:
As the insurer of the covered card coverage described herein, Virginia Surety
Company, Inc. (“VSC”) collects personal information about you from the following
sources: Information the insurer gathers from you, from your request for insurance
coverage or other forms you furnish to the insurer, such as your name, address,
telephone number, and information about your transactions with the insurer such as
claims made and benefits paid. The insurer may disclose all information it collects, as
described above, to companies that perform administrative or other services on our
behalf solely in connection with the insurance coverage you have received. The insurer
does not disclose any personal information about former insureds to anyone, except as
required by law. The insurer restricts access to personal information about you to those
employees who need to know that information in order to provide coverage to you. The
insurer maintains physical, electronic, and procedural safeguards that comply with
federal regulations to guard your personal information. Should you have any questions
about the insurance procedures or the information contained within your file, please
contact the insurer by writing to:
Compliance Department
Virginia Surety Company, Inc.
175 West Jackson Blvd., Chicago, IL 60604
Effective date of benefits:
Effective May 1, 2014 this Guide to Benefits replaces all prior disclosures, program
descriptions, advertising, and brochures by any party. The Policyholder and the insurer
reserve the right to change the benefits and features of these programs at anytime.
Notice will be provided for any changes.
Cancellation:
The Policyholder can cancel these benets at any time or choose not to renew the
insurance coverage for all cardmembers. If the Policyholder does cancel these
benefits, you will be notified at least sixty (60) days in advance. If the insurance
company terminates, cancels, or chooses not to renew the coverage to the
Policyholder, you will be notied as soon as is practicable. Insurance benets will
still apply for any benefits you were eligible for prior to the date of such terminations,
cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to the cardmember whose cards are
issued by U.S. financial institutions. The United States is defined as the fifty (50) United
States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S.
Virgin Islands. No person or entity other than the cardmember shall have any legal or
equitable right, remedy, or claim for benefits, insurance proceeds and damages under
or arising out of these programs. These benefits do not apply if your card privileges
have been cancelled. However, insurance benefits will still apply for any benefit you
were eligible for prior to the date that your account is suspended or cancelled, subject
to the terms and conditions of coverage.