USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
Definitions
• A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be
replaced. Typically, You will receive notice about this decision within fifteen (15)
days upon receipt of Your claim documentation.
• You may receive payment to replace Your item, in an amount not more than the
original purchase price, less shipping and handling charges, up to one thousand
dollars ($1,000.00) per claim and ten thousand dollars ($10,000.00) per
cardholder. You will only be reimbursed up to the dollar amount to replace or
repair the item or the program limit, whichever is less. Under normal
circumstances, reimbursement will take place within five (5) business days.
Account
-
means Your credit card Account
Computer Programs
-
means a set of related electronic instructions which direct the operations
and functions of a computer or device connected to it, which enable the computer or device to
receive, process, store, retrieve or send data.
Cyber Incident
-
means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or Covered Purchase;
(b) alteration, corruption, damage, reduction in functionality, manipulation,
misappropriation, theft, deletion, erasure, loss of use or destruction of Your Digital Data
or Covered Purchase;
(c) transmission or introduction of a computer virus or harmful code, including
ransomware, into or directed against Your Digital Data or Covered Purchase;
(d) restriction or inhibition of access to or directed against Your Digital Data or Covered
Purchase;
(e) computer errors, including human operating error or omission; power failure, surge, or
diminution of electronic systems; or mistakes in legitimate electronic code or damage
from code installed on a Covered Purchase during the manufacturing process, upgrade
process, or normal maintenance.
Digital Data
-
means information, concepts, knowledge, facts, images, sounds, instructions, or
Computer Programs stored as or on, created or used on, or transmitted to or from computer
software (including systems and applications software), on hard or floppy disks, CD-ROMs,
tapes, drives, cells, data processing devices or any other repositories of computer software
which are used with electronically controlled equipment. Digital Data shall include the capacity of
a Covered Purchase to store information, process information, and transmit information over the
Internet.
Eligible Person
-
means a cardholder who pays for their purchase by using their eligible
Account and/or rewards program associated with their covered Account.
You or Your
-
means an Eligible Person who used their eligible Account to purchase the item
and/or rewards program associated with their covered Account.
Additional provisions for Purchase Security
• Signed or pinned transactions are covered as long as You use Your eligible
Account to secure the transaction.
• You shall do all things reasonable to avoid or diminish any loss covered by this
benefit. This provision will not be unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent in any respect, no
coverage shall exist for such claim, and Your benefit may be cancelled. Each
cardholder 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.
• No legal action for a claim may be brought against the Provider until sixty (60)
days after the Provider receives Proof of Loss. No legal action against the
Provider may be brought more than two (2) years after the time for giving Proof of
Loss. Further, no legal action may be brought against the Provider unless all the
terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms
and conditions contained in this Guide to Benefits may be modified by
subsequent endorsements. Modifications to the terms and conditions may be
provided via additional Guide to Benefits mailings, statement inserts, statement
messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or
cancelled.