Buyer Protection & Extended Warranty for Performance Plus Plan Account Holders
Relax! You're protected every time you use your Carpathia Credit Union debit card!

Imagine the benefit of automatic protection
Ever get home after a day of shopping for that perfect wedding gift -- dealing with long line ups and parking lots that go on forever -- only to discover that something is damaged?

Ever worry that -- by some built-in quirk of fate -- that expensive camcorder suddenly decides not to work, the week after the warranty expires?

Relax. IF you are a Perfromance Plus Plan member you're protected every time you use your Carpathia Credit Union's Member Card Debit Card to make a purchase. You're protected against things like loss, theft, damage or breakage for a full 90 days after the purchase. You'll also have the security of an Extended Warranty, which can double the manufacturer's warranty up to one year longer.

And best of all, there are no forms to fill out, no applications, and no extra cost!

How does the Program Work?
It's simple. Every time you use the Carpathia Credit Union's Member Card Debit Card for an Interac Direct Payment purchase, you're protected with the following benefits:

1. Buyer Protection
   This coverage offers protection on the purchase of most retail items -- and that includes gifts! For a full 90 days after the purchase, the item is protected if it's lost, stolen, dropped and broken or even consumed in a fire. For example, if you're wrapping that expensive crystal vase and it suddenly crashes to the floor, you're protected!
   
   Valid claims will be satisfied either by replacing the lost or damaged item, or by a cash payment in an amount not to exceed the amount of the total purchase price.
   
   
2. Extended Warranty
   The Program doubles the warranty period of a purchased item up to one entire year, as long as the manufacturer's warranty is valid in Canada for five years or less. For example, when you purchase a VCR, the manufacturer would typically offer a one-year warranty. But if you use the Member Card Debit Card for the purchase, the VCR would be protected under the terms of the original warranty for an additional one year.

Chequing Accounts Too!
Shopping at a merchant who doesn't offer Interac Direct Payment? No problem! You can make a purchase using a cheque drawn on your insured account, and receive the same protection for your purchase.

Buyer Protection and Extended Warranty - a superior product
Many card issuers are offering similar protection programs, but the Carpathia Credit Union's Member Card Debit Card program is absolutely one of the best on the market!

• Home or personal business purchases are protected
• Higher coverage - up to $60,000 lifetime
• Gifts (without recipient limitations)
• No limits on valuables
• Any Member Card Debit Card member is covered, not just Canadian residents
• World wide purchases, not just Canadian purchases
• If you have a Member Card Debit Card, purchases made with a cheque drawn on the same account are also protected

What is not covered?
Items not covered include: cash, travelers cheques, motorized vehicles, animals, and living plants. Contact us for more information on coverage plans.

Making a claim?
Just be sure to keep a copy of your transaction record, the merchant bill, and (for warranty claims) the manufacturer's warranty. You simply call 1-877-408-0827, and a Claims Representative will assist you.