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Terms and Conditions

The terms and conditions (this "Agreement") in this document describe and stipulate the provisions that will govern and regulate the relationship between Scrella Technologies Limited (“Scrella”) and the individual or entity (“Policyholder”, “you”, “your”) purchasing a device protection plan offered by Scrella. By purchasing a protection plan from Scrella, you agree to be bound by the terms and conditions outlined in this Agreement.

Last updated July 23rd, 2024

Definitions

In this Agreement, the following words and expressions shall have the respective meanings given to them below:
Scrella: Scrella Technologies Limited, the entity offering device protection plans as outlined in this Agreement.
Policyholder : The individual or entity who has purchased a device protection plan from Scrella and is bound by the terms and conditions of this Agreement.
Device : The electronic device or gadgets, verifiable by its unique International Mobile Equipment Identity (IMEI) number, covered under the protection plan, specifically, smartphones.
Coverage : The extent of protection provided by the device protection plan, including coverage against accidental damage, mechanical breakdown, theft, and other risks as specified in the policy
Claim : A request made by the Policyholder for coverage or reimbursement under the device protection plan for damages, loss, or theft of the covered device.
Accidental Damage : Physical damage caused to the device due to unintentional and unforeseen events, such as drops, spills, or collisions.
Coverage Duration : The period of 6 months including any waiting period during which the device protection plan is in effect, starting from the date of purchase and ending as specified in the policy.
Effective Date: The date when the terms and conditions of this Agreement come into effect and the device protection plan begins its coverage.
Renewal Terms: Renewal Terms: The conditions and procedures for renewing the device protection plan for an additional coverage period beyond the initial term.
DDV : Declared Device Value
Plans : The device protection plans offered by Scrella, including Mini Guard, Mega Protect, Ultra Shield, and Custom, each providing varying levels of coverage and benefits to meet the needs of different Policyholders.
Platform : Scrella's online portal or application through which Policyholders can purchase device protection plans, submit Claims, access policy documentation, and communicate with Scrella's customer support team. The platform may include Scrella's website, mobile application, or any other digital interface provided by Scrella for the purpose of facilitating the purchase and management of device protection plans.

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:

PLAN PREMIUM RATE (%)PLAN OFFERINGSDEVICE COST RANGECOVER LIMITPOLICY DURATION
Mini Guard7%
Screen Damage Repair
Liquid Spill Cleanup
NGN 30,000 – NGN 150,000NGN 50,0006 months
Mega Protect6%
Screen Damage Repair
Liquid Spill Cleanup
NGN 150,000 – NGN 400,000NGN 100,0006 months
Ultra Shield6%
Screen Damage Repair
Liquid Spill Cleanup
pickup & Delivery (T&Cs apply)
NGN 400,000 – NGN 800,000NGN 250,0006 months
Custom10% of the DDV
Screen Damage Repair
Liquid Spill Cleanup
Battery Change
Camera Repair
Back Glass Replacement
Charging Port
Repair up to 50% of the DDV
Free Pickup & Delivery
Minimum of NGN 500,00050% of the DDV12 months

Scrella also offers Policyholders the option to utilize a wallet and voucher method of payment for premium plans. The wallet feature is accessible solely through a user account within Scrella's Platform and is designated exclusively for the purpose of paying for premium plans.

Scrella partners with third-party wallet providers to securely retain funds held in the wallet. Wallets can only be funded through two methods:

Policy holders can fund their wallet balance by making payments through third-party payment providers integrated with the Scrella platform. Funds transferred to the wallet from third-party payment providers are immediately available for use towards premium plan payments.
Policy holders can also fund their wallet balance by redeeming a Scrella Voucher. Upon redemption, the preloaded amount from the Scrella Voucher is added to the Policyholder's wallet balance, where it can be utilized for premium plan payments.

The wallet feature is exclusively designated for paying for premium plans offered by Scrella. Funds held in the wallet cannot be withdrawn or transferred to external accounts. Additionally, wallet balances are non-transferrable and cannot be exchanged for cash or any other form of currency.

Referral bonuses cannot be transferred to another individual, account or entity, and cannot be converted to cash, referral bonuses can only be used to purchase plans within the Scrella platform.

Upon the closure of a user account, the wallet balance will be refunded to the Policyholder's designated bank account or original payment method. Referral bonuses included in the wallet balance are exempt from this refund. The refund shall be initiated within 7 days of the account closure request and approval.

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

Theft
Loss
Fire or any act of God
Damage caused intentionally or through willful misconduct by the Policyholder or any other individual
Damage or malfunctions that existed prior to the Effective Date.
Damage resulting from negligence or failure to take reasonable care of the Device, including failure to follow manufacturer guidelines for use and maintenance.
Damage that exceeds the Coverage limits specified in Clause 2 above.
Damage resulting from repairs or services performed by unauthorized third parties.
Cosmetic damage such as scratches, peelings, or dents that do not impede the functionality of the Device.
Preventive maintenance.
Loss or damage to stored data, repairs related to installed software, computer viruses.
Damages that are not covered by your Plan resulting from another damage that is covered by your Plan.
Damage caused by a computer virus.

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

Mini Guard: 30 days
Mega Protect: 20 days
Ultra Shield: 10 days
Custom: 5 days

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:

Proof of Device eligibility.
Detailed description of the incident leading to the Claim.
Photographs or videos documenting the Damage.
Any other relevant documentation requested by Scrella to process the Claim.

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