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Business Equipment Purchase Protection – Coverage

What the Business Equipment Purchase Protection program covers
The following types of fraud and material misrepresentation are covered:

  • Paying for an eligible item and never receiving it.

  • Sending a deposit for an eligible item and never receiving the item (see restrictions under "What the Business Equipment Purchase Protection program does not cover").

  • Paying for and receiving an eligible item:

    • that was stolen property at the time of the transaction, preventing the buyer from acquiring legal ownership of the item.

    • that is subject to an undisclosed or unknown lien, preventing the buyer from acquiring legal ownership of the item.

  • Paying for and receiving an eligible item that is a different type, make, or model than what was described in the seller's listing, provided the amount of devaluation to the item due to the misrepresentation exceeds (see Coverage Limits for further information).

  • Paying for and receiving an eligible item with undisclosed damage, provided the cost of necessary repairs exceeds (see restrictions below).

    • For undisclosed damage, certain restrictions apply. The cost of repair must exceed . The program only covers damages which prevent the equipment from functioning, not defects or damage that are cosmetic or are not critical to operation of the equipment.

  • If applicable, shipping expenses up to (documented by an invoice from a licensed transport or shipping company) are covered. There shall be no coverage for shipping expenses if the buyer retains possession of the item.

What the Business Equipment Purchase Protection program does not cover

  • Regular maintenance.

  • Normal wear and tear (including but not limited to rust, dents, scratches, etc.) or cosmetic damage which does not impair the operability of the item.

  • Sending a non-refundable deposit for an item and not receiving the item, or a refund, because you choose to not complete the transaction or pay the remaining balance for any reason.

  • Any damage or defect that was explained to or noticed by the buyer prior to purchase, or (if the buyer picked up the item from the seller in person) that could have been noticed upon reasonable inspection by the buyer.

  • Any items not listed in the proper category (Capital Equipment designated categories).

  • Items with a winning bid amount of less than .

  • Items damaged or lost in shipping.

  • Inspection costs, warranty fees, and other related expenses.

  • Buyer's remorse.

  • Any repairs or alterations made to the item after the auction end date, which were not authorized by the third party provider of the Business Equipment Purchase Protection program.

  • Items with an auction listing end date prior to June 2, 2005.

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