Definitions

Coverage Options

Scrella offers various Plans to suit the needs of different Policyholders. These Plans include protection against accidental damage to Device screens and other components. The Plans, offerings, and limits available to the Policyholder are detailed in the table below:

Exclusions

The Plans provide comprehensive coverage for a range of risks as it affects the Device, however, certain circumstances and events are excluded from Coverage. The following exclusions apply

Duration and Waiting Period

As defined, the Coverage Duration for Scrella's device protection Plans spans a period of 6 months or 1 year depending on the selected plan, inclusive of any waiting period, during which the Plan is in effect. Coverage Duration begins on the Effective Date for the period stated.

Upon purchasing any of the Plans, there is a waiting period before Coverage benefits become effective. The waiting periods for each plan are as follows

Claims Process

In the event of damage to a Device, Policyholders are required to initiate a Claim with Scrella as soon as reasonably possible. Claims can be initiated through the designated Claims portal on Scrella's Platform or directly at a Repair Partner's service center.

As a condition for the repair of a damaged Device, Policyholders must provide all necessary documentation to support their Claim, including but not limited to:

Upon receipt of a Claim, Scrella will conduct a thorough assessment, remotely and through its Repair Partners, to determine the eligibility for Coverage and the extent of Coverage. This assessment may include verification of the incident, inspection of the device, and review of the provided documentation

Once the Claim assessment is complete, in the event that the Claim is approved, Scrella will facilitate the repair of the Device through its Repair Partners as per the terms of this Agreement.

After a Claim has been processed and a Policyholder's device has been repaired, the Policyholder must report any issues or complaints related to the repair within 7 days. If no complaints are reported within this 7-day period, the Policyholder will be responsible for any subsequent repair costs.

In the event that a Claim is denied or disputed, Scrella provides an appeals process through which Policyholders may request a review of the decision. Policyholders may submit additional documentation or evidence to support their appeal, and Scrella will reevaluate the Claim accordingly. For the avoidance of doubt, upon reevaluation, Scrella reserves the right to either accept or decline the Claim.

Upon the closure of a user account, any existing Plan of a Policyholder will automatically terminate. This termination will occur whether or not a Claim has been made on the Plan.

Limitation of Liability

Scrella's liability for repairs under the various Plans is limited to a one-time repair during the Coverage Duration. Any subsequent repairs or services required beyond this limit are only available upon renewal of the Plan.

Scrella does not guarantee the provision of parts that are exclusively original equipment manufacturer (OEM) parts. Scrella however guarantees that all parts provided will be of quality standard, fit for purpose, and meet performance requirements.

Policyholders are limited to renewing any of the various device protection Plans twice in a calendar year. Once the maximum number of coverage renewals has been exhausted, Policyholders must wait until the following calendar year to renew their coverage.

To the fullest extent permitted by applicable law, Scrella, its affiliates, directors, officers, employees, agents, and representatives shall not be liable to the Policyholder or any third party for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with the Plans or this Agreement, including but not limited to; loss of profit, revenue, or data, loss of use or interruption of business

In no event shall the total liability of Scrella, its affiliates, directors, officers, employees, agents, and representatives under this Agreement exceed the total amount paid by the Policyholder for the Plan during the coverage period.

Repair Partners

Scrella has engaged the services of authorized Repair Partners to facilitate the inspection, repair or servicing of covered Devices under the various Plans. These Repair Partners are selected by Scrella based on their expertise, reputation, and adherence to quality standards.

By purchasing a Plan, Policyholders acknowledge and agree to be bound by the terms and conditions of the authorized Repair Partners. Policyholders understand that the Repair Partners may have their own terms and conditions governing the repair or servicing of devices, and agree to comply with such terms and conditions as a condition of receiving repair services under the Plan.

Repair services provided by the Repair Partners are available exclusively within locations listed on Scrella's Platform.

Payments

Policyholders are required to pay the premium for the selected Plan in full at the time of purchase. The premium amount is determined based on the chosen Plan and coverage options.

Payments must be made in accordance with the instructions on the Scrella App. Payment for the Plans is processed through a third-party payment gateway selected by Scrella. Policyholders are directed to the payment gateway's secure platform to complete the transaction using their preferred payment method.

Scrella utilizes a third-party payment service provider for processing premium payments. As such, Scrella assumes no liability for any issues or disputes arising from payment transactions. Policyholders acknowledge and agree that any disputes concerning payment processing, unauthorized transactions, or other payment-related matters are to be addressed directly with the third-party payment service provider or the Policyholder's bank as the case may be.

General Terms

The Policyholder may not assign or transfer any rights or obligations under this Agreement. Scrella reserves the right to assign or transfer this Agreement, in whole or in part, to any third party without the consent of the Policyholder.

The failure of Scrella to enforce any provision of this Agreement shall not be construed as a waiver of such provision or the right to enforce it at a later time, unless expressly waived in writing by Scrella.

Scrella reserves the right to amend or modify this Agreement at any time. Amendments or modifications shall be effective upon posting the updated Agreement on Scrella's App or other communication channels.

Policyholders acknowledge and agree that Scrella operates under a strict no refund policy for premium payments made for device protection plans. Once the premium payment is processed, no refunds will be issued.

This Agreement, and any dispute, controversy, proceedings or Claims of whatever nature arising out of or in any way relating to this Agreement or its formation, shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Scrella and the Policyholder shall take all reasonable steps to amicably resolve any dispute or misunderstanding that may arise between them, in relation to this Agreement. In the event that the parties are unable to resolve any dispute amicably within 14 (fourteen) days after either Party gives written notice to the other Party of the dispute, such dispute shall be referred to and finally resolved by arbitration under the LACIAC Arbitration Rules, which Rules are deemed to be incorporated by reference into this clause. The arbitration shall take place at a venue agreed upon by the Parties and shall be conducted in English Language.

Policyholders may contact Scrella's customer service team for inquiries, assistance, or notices regarding this Agreement at

Address: 1 Ogunyemi street Oniru Estate, Lagos, Nigeria
Customer Care Hotline: +234 916 000 7790, +234 916 000 7791
Email: ask@scrella.com