AppleCare+ for Apple Watch AppleCare+ for iPad AppleCare+ for

AppleCare+ for Apple Watch

AppleCare+ for iPad

AppleCare+ for iPhone

AppleCare+ for iPod

AppleCare+ for Headphones

NOTE ON CONSUMER LAW:

AppleCare+ is an insurance policy covering the risk of damage to your Apple Watch, iPad, iPhone, iPod or

Apple- or Beats-branded headphones and the need for technical assistance. AppleCare+ does not provide

coverage for failure due to defects in design and/or materials and/or workmanship. Such failures will be

covered separately by your consumer law rights or the Apple Limited Warranty or by Apple itself during the

same period as the AppleCare+ Coverage Period even if you did not purchase or lease your Apple product

from Apple. In Ireland, consumers are entitled to a free of charge repair or replacement, by the seller, of

goods which do not conform with the contract of sale. Under Irish law, consumers have up to six years from

the date of delivery to exercise their rights however, various factors may impact your eligibility to receive

these remedies. For more details, please visit apple.com/ie/legal/statutory-warranty.

Terms & Conditions – Ireland

Thank you for buying AppleCare+, an insurance policy underwritten by the Ireland Branch of AIG Europe S.A.

(“AIG”) who agrees to insure Your Apple Watch, iPad, iPhone, iPod, or Apple- or Beats-branded headphones

according to the terms and conditions contained in this Policy.

AppleCare+ covers You for repair or replacement of Your device in the event of Accidental Damage or

Battery Depletion, and access to Technical Support from Apple (as set out in clause 4.5).

The Policy is sold by Apple and Apple Authorised Resellers. Apple, on AIG’s behalf, will also handle claims

and any complaints You may have (full details of this are in clause 12).

AppleCare+ does not cover You for loss or theft of Your device, or for failure due to defects in Your

device, although such failures will be covered separately either by Your rights under consumer law

or the Apple Limited Warranty or by Apple itself during the same period as the AppleCare+

Coverage Period even if You did not purchase or lease Your Apple product from Apple (as set out in

clause 5.1.9).

1. Definitions

Any word or expression which appears capitalised in this Policy is defined in this definitions section

and has the same meaning whenever it is used throughout this Policy:

1.1. “Accidental Damage” means physical damage, breakage or failure of Your Covered Equipment due

to an unforeseen and unintentional event occurring either due to handling (e.g., dropping the

Covered Equipment or through liquid contact) or due to an external event (e.g., extreme

environmental or atmospheric conditions). The damage must affect the functionality of Your Covered

Equipment, which includes cracks to the display screen that affect the visibility of the display.

1.2. “AIG” means AIG Europe S.A. whose registered office is at 35 D Avenue John F. Kennedy, L-1855,

Luxembourg who is operating in Ireland through its branch AIG Europe S.A. (Ireland Branch) whose

address is 30 North Wall Quay, International Financial Services Centre, Dublin 1, Ireland and who is

regulated by the Central Bank of Ireland for conduct of business rules.

1.3. “Apple” means Apple Distribution International Limited (or its appointed agents) who distribute, sell

and administer this Policy and who handle claims and complaints on AIG’s behalf.

1.4. “Apple Authorised Service Provider” means a third-party service provider appointed as Apple’s

agent to handle claims on AIG’s behalf. A list of these providers can be found through

locate.apple.com/ie/en.

1.5. “Apple Authorised Reseller” means a third party authorised by Apple to distribute this Policy at the

same time as selling or leasing You Your Covered Equipment.

1.6. “AppleCare+ Details” means the support website apple.com/legal/sales-

support/applecare/applecareplus.

1.7. “Apple Limited Warranty” means the voluntary manufacturer’s warranty provided by Apple (under

separate terms of service) to purchasers or lessees of Covered Equipment, which provides benefits

that are in addition to, and not instead of, rights provided by consumer law.

1.8. “Arrears Notice" means the notice that an Apple Authorised Reseller issues to You notifying You

that You have failed to pay an Instalment and/or that You are in default under the Payment Plan

Agreement for failure to pay Instalments.

1.9. “Battery Depletion” means, in relation to Covered Equipment, when the capacity of such Covered

Equipment’s battery to hold an electrical charge is less than eighty percent (80%) of its original

specification.

1.10. “Beats” means Beats Electronics LLC (a/k/a Beats by Dr. Dre), a subsidiary of Apple Inc. producing

audio products, including certain Covered Equipment under the Beats brand name.

1.11. “Business Customer” means a customer who has registered for and purchased their Covered

Equipment through the Apple business online store.

1.12. “Consumer Software” means the operating software (“OS”) of the Covered Equipment, software

applications that are pre-installed on the Covered Equipment, and Apple- or Beats-branded

applications that are subsequently installed on the Covered Equipment, which may vary from time to

time.

1.13. “Coverage Period” means the period set out in clause 3.1.

1.14. “Covered Equipment” means the Apple Watch, HomePod, iPad (including iPad Input Devices),

iPhone, iPod, or Apple- or Beats-branded headphones identified by the product serial number shown

on Your POC certificate (or in the case of an iPad Input Device as evidenced by Your proof of

purchase), as well as the original accessories supplied in the same box. The Covered Equipment

must have been purchased or leased as new from Apple or an Apple Authorised Reseller no more

than sixty (60) days before the date You purchase this Policy or, where legal ownership of the

Covered Equipment has been transferred to You, the Policy must have been transferred to You

pursuant to clause 11 of this Policy.

1.15. “Hardware Coverage” means the cover providing for repair or replacement of Your Covered

Equipment due to events of Accidental Damage and Battery Depletion.

1.16. “Insurance Tax” means the following duties/levies which are payable at the rates applicable on the

date of purchase of the Policy, which are:

(a) Irish Stamp Duty €1 per non-life insurance contract;

(b) Government Levy (3% on non-life insurance contracts); and

Please note that these rates are subject to change.

1.17. “Instalment” means any sum payable by You under a Payment Plan Agreement.

1.18. “Insured Event” means (a) Accidental Damage to Your Covered Equipment and/or (b) Battery

Depletion and/or (c) the need to use Technical Support, which occurs during the Coverage Period.

1.19. “iPad Input Device” means an Apple Pencil and/or an Apple-branded iPad keyboard.

1.20. “Payment Plan Agreement" means the agreement between You and the Apple Authorised Reseller

to fund Your payment of the Premium by Instalments.

1.21. “POC certificate” means the proof of coverage document which You will receive when You

purchase this Policy, which includes Your insurance details and the serial number of the Covered

Equipment to which this Policy applies. If You have purchased this Policy in an Apple retail store or

from an Apple Authorised Reseller, the original sales receipt may also be Your POC certificate.

1.22. “Policy” means this insurance document setting out the AppleCare+ terms and conditions, which,

together with the POC certificate You received when You purchased AppleCare+, forms Your legal

contract of insurance with AIG.

1.23. “Policy Excess” means the relevant excess for the Covered Equipment as follows:

Apple Watch (all models excluding Hermès and Edition): € 65

Apple Watch Hermès or Edition: € 75

iPad:

Apple Pencil: € 29

Apple-branded iPad keyboard: € 29

All Other Accidental Damage (iPad, iPad Air, iPad mini): € 49

All Other Accidental Damage (iPad Pro): € 49

iPhone:

Screen-Only Accidental Damage: € 29

All Other Accidental Damage: € 99

iPod: € 29

Apple-branded headphones: € 29

Beats-branded headphones: € 29

payable by You for each Accidental Damage claim You make in Ireland under this Policy. Please note

that if You make a claim in another country under this Policy, the Policy Excess will need to be paid in

that country’s currency and at that country’s applicable rate – for further details, please visit

AppleCare+ Details.

For iPhone Screen-Only Accidental Damage claims, the Covered Equipment must have no additional

damage beyond the screen damage, including, but not limited to, bent or dented enclosure, that

would prevent Apple from replacing the screen on the Covered Equipment. Covered Equipment with

additional damage will be categorized as iPhone All Other Accidental Damage claims. Screen-Only

repairs are only available for iPhone.

1.24. “Premium” means the amount which You agree to pay for coverage under this Policy as detailed in

clause 2.3. Premium includes Insurance Tax at the applicable rate.

1.25. “Technical Support” means Apple technical assistance if Your Covered Equipment ceases to work

correctly, for which Apple may otherwise charge a pay-per-incident fee.

1.26. “You/Your” means the person who owns or leases the Covered Equipment and any person to whom

the Policy is transferred pursuant to clause 11.

2. The Policy

2.1. Your Policy is made up of this insurance document setting out the terms & conditions of Your

coverage under AppleCare+ and Your POC certificate. Please check them carefully to make sure

they give You the cover You want. If Your needs change or any of the information on which the Policy

is based changes, Apple and AIG may need to update their records and the details on Your POC

certificate may need to be altered.

2.2. Should You need to obtain a replacement POC certificate or obtain a copy of Your insurance

details, visit mysupport.apple.com/products, and follow the instructions.

2.3. The Premium for Your Policy is as follows:

Apple Watch Series 3: € 65

Apple Watch Series 4, 5: € 99

Apple Watch Hermès, Edition: € 199

iPad, iPad Air and iPad mini: € 79

iPad Pro: € 139

iPhone 8, 7, 6s: € 149

iPhone 11, XR, 8 Plus, 7 Plus, 6s Plus: € 169

iPhone 11 Pro, 11 Pro Max, Xs, Xs Max, X: € 229

iPod: € 59

Apple-branded headphones: € 39

Beats-branded headphones: € 39

These prices include Insurance Tax at the applicable rate.

2.4. The Premium must be paid by cash or debit or credit card on the purchase of the Policy. If Your

payment has not completed correctly (for example if Your payment debit or credit card fails) You will

be informed and You will need to take action to complete the payment. If an Insured Event occurs

and Your payment has not been completed You will not be entitled to receive cover.

3. Coverage Period

3.1. Your Hardware Coverage starts from the date You purchase Your Policy. This means that if You

purchase AppleCare+ up to sixty (60) days after You purchase or begin to lease Your Covered

Equipment, You will only receive Hardware Coverage from that date. Your Technical Support

coverage starts on expiry of Your complimentary technical support cover provided by the

manufacturer, which starts on the date You purchase or begin to lease Your Covered Equipment.

Both types of cover end 24 months from the date You purchased Your Policy for all devices except

for Apple Watch Hermès and Edition, in respect of which both types of cover end 36 months from

the date You purchased Your Policy. Your Policy purchase date is shown on Your POC certificate.

3.2. Your coverage may end earlier if You have exercised Your right to cancel under clause 10. If You

are no longer eligible to make a claim for Accidental Damage, Your hardware coverage for Battery

Depletion and Technical Support, will continue until the end of the Coverage Period.

3.3. This Policy does not cover You for damage to the Covered Equipment from an Insured Event which

occurred before this Policy was purchased.

4. Cover

4.1. Hardware Coverage. If You make a valid claim under the Hardware Coverage element of this

Policy, AIG will arrange for Apple either:

4.1.1. to repair the Covered Equipment using new or refurbished parts that are equivalent to new in

performance and reliability; or

4.1.2. if it would not be practical or economically viable to perform a repair, to supply a replacement for the

Covered Equipment with a new Apple-branded device or an Apple-branded device that is equivalent

to new in performance and reliability, and of the same type as the original. If an Apple-branded

device which matches Your Covered Equipment is not available, an Apple-branded device which is

at least functionally equivalent to the original Covered Equipment (subject to applicable Consumer

Software updates) will be supplied. For Beats-branded headphones, all replacements will be

supplied with Beats-branded devices in line with this clause 4.1.2. The replacement Apple- or Beats-

branded device will become the new Covered Equipment under this Policy. In the event of a

replacement, Apple or the Apple Authorised Service Provider will keep the original Covered

Equipment.

The Covered Equipment can only be repaired or replaced and no cash benefit will be payable by AIG

if You make a claim.

4.2. If a replacement is provided to You under clause 4.1.2, Apple, or the Apple Authorised Service

Provider, may install the latest software and operating system that is applicable to the Covered

Equipment (if any) as part of cover provided by this Policy. If applicable, third-party applications

installed on the original Covered Equipment may not be compatible with the Covered Equipment as a

result of the software and operating system update. If You make a claim in a different country from

that in which You bought or leased the Covered Equipment, Apple or the Apple Authorised Service

Provider may repair or exchange products and parts with locally comparable products and parts.

4.3. Policy Excess. In relation to each valid claim for Accidental Damage that You make under this

Policy, before You are entitled to the benefits in clause 4.2, You will have to pay the applicable Policy

Excess towards the cost of the claim. The Policy Excess can be paid to Apple or the Apple

Authorised Service Provider in cash or by debit or credit card.

4.4. Claims Limit. A maximum of two claims for Accidental Damage can be made during the Coverage

Period. After the second claim is settled, the cover for Accidental Damage on this Policy will cease.

However, Your coverage for Technical Support and Battery Depletion will continue to the end of the

Coverage Period. Any Accidental Damage claim made for an iPad Input Device is considered an

individual Accidental Damage claim and will count towards Your two claims limit, even if it arises out

of the same occurrence as an Accidental Damage claim for Your iPad.

4.5. Technical Support. If You make a valid claim under this section of Your Policy, You will receive

priority access to the Apple technical support helpline if Your Covered Equipment ceases to work

correctly. This coverage starts on the expiry of the complimentary support period which starts on the

date You purchase or begin to lease Your Covered Equipment. Technical Support will cover the

Covered Equipment, Consumer Software, and any connectivity issues between the Covered

Equipment and an AirPort device, Apple TV and a compatible wireless device or computer that meets

the Covered Equipment’s connectivity specification. It will cover the then-current version of any

applicable Consumer Software, and the prior Major Release. “Major Release” means a significant

version of software that is commercially released by Apple in a release number format such as “1.0”

or “2.0” and which is not in beta or pre-release form.

5. Exclusions

5.1. Hardware Coverage. This Policy does not cover You for:

5.1.1. a product that is not the Covered Equipment;

5.1.2. damage caused by:

5.1.2.1. abuse or misuse, meaning intentionally-caused damage including knowingly using the Covered

Equipment for the purpose or in the manner for which it was not intended;

5.1.2.2. actual, or attempted, modification or alteration of the Covered Equipment; or

5.1.2.3. service or repair (including upgrades) performed by anyone who is not Apple or an Apple Authorised

Service Provider;

5.1.3. Covered Equipment with a serial number that has been altered, defaced or removed, or Covered

Equipment that has been opened, serviced, modified or altered by anyone other than Apple or an

authorised representative of Apple, or Covered Equipment that contains component parts that are

not authorised by Apple;

5.1.4. the loss or theft of Your Covered Equipment;

5.1.5. Covered Equipment (including all major components) that is not returned to Apple;

5.1.6. cosmetic damage to the Covered Equipment which does not affect the functionality of the Covered

Equipment, including, but not limited to, hairline cracks, scratches, dents, broken plastic on ports and

discolouration;

5.1.7. damage or failure caused by normal wear and tear and/or usage of the Covered Equipment;

5.1.8. damage caused by fire; or

5.1.9. failure due to defects in materials and/or workmanship and/or design; however, such failures will be

covered separately either by Your consumer law rights or by the Apple Limited Warranty, or by Apple

itself during the same period as the AppleCare+ Coverage Period even if You did not purchase or

lease Your Apple product from Apple.

5.2. Technical Support. This Policy does not cover You for:

5.2.1. the use or modification of the Covered Equipment or Consumer Software in a manner for which it is

neither intended to be used or modified according to the user manual, technical specifications or

other guidelines published on the Apple website for the Covered Equipment;

5.2.2. issues that could be resolved by upgrading software (including the Consumer Software) to the latest

version;

5.2.3. third-party products or other Apple-branded products or software (other than the Covered

Equipment or Consumer Software) or the effects of such products on or interactions with the

Covered Equipment or Consumer Software;

5.2.4. the use of a computer or operating system that is unrelated to Consumer Software or connectivity

issues which do not originate from the Covered Equipment;

5.2.5. OS software or any Consumer Software designated as “beta”, “prerelease”, “preview”, or similarly

labeled software;

5.2.6. damage to or loss of any software or data residing or recorded on the Covered Equipment;

5.2.7. recovery and reinstallation of software programs and user data; or

5.2.8. advice that relates to everyday use of the Covered Equipment where there is no underlying problem

with its hardware or software.

6. General conditions

6.1. To have the full protection of Your Policy, You must comply with this clause as well as clauses 7, 8

and 9, which are conditions of this Policy. Failure to comply with these conditions may result in Your

claim being declined.

6.2. The following conditions apply to this Policy:

6.2.1. Original Parts. As a condition of receiving covered service all Covered Equipment must be returned

to Apple in its entirety including all original parts or Apple-authorised replacement components.

6.2.2. Policy limits. Cover under Your Policy is subject to those exclusions set out in clause 5.

6.2.3. Premium payment and cover. If You agree to pay the Premium in full upfront, it must be paid

before You can receive Hardware Coverage and Technical Support, and no claim will be met under

this Policy if the Premium has not been paid in full. In order to pay the Premium by Instalments, You

will be required to enter into a Payment Plan Agreement with an Apple Authorised Reseller, and You

can receive the Hardware Coverage or Technical Support from the time You enter into the Payment

Plan Agreement. You must pay Your Instalments in accordance with the terms and conditions of Your

Payment Plan Agreement.

6.2.4. Non-payment of Instalments. Where You pay the Premium by Instalments and You have not paid

Your Instalment arrears by the date requested in the Arrears Notice, the Apple Authorised Reseller

may request that AIG cancel Your Policy. AIG will cancel Your Policy with immediate effect on receipt

of such a request. Any unearned Premium arising from such a cancellation and which would

otherwise be refundable to You may be paid directly on Your behalf to the Apple Authorised Reseller

and will be credited by the Apple Authorised Reseller towards Your accrued arrears under the

Payment Plan Agreement. As a result, no amount may be repaid directly to You.

Where You fail to pay any Instalments by the date due and You are in arrears under the Payment Plan

Agreement, You will not be entitled to receive Hardware Coverage or Technical Support in respect of

the Covered Equipment until You pay the Instalment arrears in full.

6.2.5. Your duty of care. You shall take all reasonable precautions to protect the Covered Equipment

against an Insured Event and shall use and maintain the Covered Equipment in accordance with its

instructions.

6.2.6. Your residence & age

6.2.6.1. If You are not a Business Customer, You are only entitled to purchase this Policy if You have Your

main residence in Ireland and You are aged eighteen (18) years or over on the date of purchase of

this Policy.

6.2.6.2. If You are a Business Customer, You are only entitled to purchase this Policy if You have purchased

the Covered Equipment for use in connection with a business, trust, charity or other unincorporated

body established in Ireland.

6.2.7. Other insurance. If You have another insurance policy in respect of the Covered Equipment in force

during the Coverage Period, then You can still make a claim under this Policy because AIG agrees to

provide coverage to You irrespective of, and without regard to, any other policy.

7. How to make a claim

7.1. For Hardware Coverage. You must report Your claim as soon as possible by visiting an Apple retail

store or Apple Authorised Service Provider, by accessing support.apple.com/en-ie or call us (local

telephone number is available at support.apple.com/en-ie/HT201232). Apple will require Your

Covered Equipment serial number before providing assistance. Your claim will be settled by means of

the options set out in clause 7.4.

7.2. During the Hardware Coverage service, Apple or the Apple Authorised Service Provider will delete

any data held within the Covered Equipment and reformat the storage media. You should back up all

data on a regular basis and prior to making a claim where possible.

7.3. If requested, You must produce proof of purchase for Your Covered Equipment and Your POC

certificate in order to validate that Your Apple product is Covered Equipment.

7.4. Valid claims for Hardware Coverage can be made using one of the following options:

7.4.1. Carry-in service. You can return Your Covered Equipment to an Apple retail store or an Apple

Authorised Service Provider. A repair will be undertaken or a replacement provided in accordance

with clause 4.1. Once the repair is complete or a replacement is available (as applicable), You will be

notified to come to the Apple retail store or Apple Authorised Service Provider to collect Your

Covered Equipment.

If You return the Covered Equipment to an Apple retail store, some repairs can be completed on the

spot. It is advisable to make a reservation in advance on apple.com/retail.

7.4.2. Mail-in service. Apple will send You the prepaid postage and packaging required so that You can

send Your Covered Equipment to Apple. Once the screening or repair is complete, Apple will return

the Covered Equipment or a replacement of the Covered Equipment to You. Apple will pay postage

costs to and from Your location if all instructions are followed by You.

7.4.3. Express Replacement Service (“ERS”). Apple will require the Covered Equipment to be returned

and a credit card authorisation to be given as security for the retail price of the replacement product

and applicable shipping costs. If You are unable to provide credit card authorisation, this service will

not be available to You. Apple will send a replacement product to You along with instructions for the

return of the Covered Equipment. If You follow these instructions, Apple will cancel the credit card

authorisation, and You will not be charged for the replacement product and the shipping to and from

Your chosen shipping address. If You fail to return the original Covered Equipment as instructed or

You return a product that is not the Covered Equipment, Apple will charge Your credit card for the

authorised amount.

Please note that ERS is not available for iPod or iPhone Screen-Only claims.

7.5. The Hardware Coverage service options may vary between countries depending on local capability.

Please visit AppleCare+ Details for further details.

7.6. Where it will not be possible to provide a certain method of service set out above, it may be

necessary to change the method by which Apple provides Hardware Coverage to You.

7.7. If You seek to make a claim under this Policy in a country that is not the country of purchase, You

will need to comply with all applicable import and export laws and regulations, and You will be

responsible for all customs duties, value added tax and other associated taxes and charges that may

apply.

7.8. For Technical Support, You can make a claim by telephoning Apple (local number available at

support.apple.com/en-ie/HT201232) who will request the Covered Equipment serial number, before

providing assistance.

You can also obtain information by accessing the following free support resources below:

International Support Information support.apple.com/en-ie/HT201232

Apple Authorised Service Providers and

Apple Retail Stores

locate.apple.com/ie/en/

Apple Support and Service apple.com/en-ie/contact

8. Your responsibilities when making a claim

8.1. When making a claim under this Policy, You must comply with the following:

8.1.1. You must provide information about the symptoms and causes of the damage to or problems You

have with the Covered Equipment;

8.1.2. To allow Apple to troubleshoot and otherwise assist with Your claim, if requested, You must provide

information, including but not limited to the Covered Equipment serial number, model, version of the

operating system and software installed, any peripheral devices connected or installed on the

Covered Equipment, any error messages displayed, actions taken before the Covered Equipment

experienced the issue and steps taken to resolve the issue;

8.1.3. You must follow instructions given to You by Apple or the Apple Authorised Service Provider and

pack the Covered Equipment in accordance with shipping instructions given by Apple or the Apple

Authorised Service Provider;

8.1.4. You must not send products and accessories that are not subject to a Hardware Coverage claim

(e.g. protective cases, car chargers, etc.) as these cannot be returned;

8.1.5. You should ensure where possible that Your software and data residing on the Covered Equipment

is backed up. Apple will delete the contents of the Covered Equipment and reformat the storage

media. Neither AIG nor Apple will be responsible for any loss of software or data residing on the

Covered Equipment when it is submitted as part of a claim under this Policy; and

8.1.6. You must provide to Apple all major components of the product subject to Hardware Coverage to

allow Apple to assess the validity of Your claim.

8.2. You will be responsible for reinstalling all other software programs, data and passwords.

8.3. To the maximum extent permitted by applicable law, AIG, Apple, Apple Authorised Service

Providers, and their employees and agents, shall not be liable to You for any indirect losses You

incur, for example the costs of recovering, reprogramming or reproducing any programme or data or

any loss of business, profits, income or anticipated savings resulting from a failure to meet their

obligations under this Policy.

9. Deception, fraud and illegal use

9.1. If any claim is found to be fraudulent or if You knowingly give misleading information when making a

claim, the claim will be declined, and Your Policy will be cancelled with no refund of Premium due to

You. Apple or AIG may inform the police or other regulatory bodies.

9.2. This Policy may be immediately cancelled by AIG in the event that the Covered Equipment is used in

the course of criminal activity or to facilitate or enable any criminal act to take place.

10. Cancellation

10.1. You may cancel this Policy at any time for any reason. If You pay Your Premium in full up front You

may cancel by calling Apple (local number available at support.apple.com/en-ie/HT201232) or by

writing to: Apple Customer Support, Hollyhill Industrial Estate, Hollyhill, Cork, Republic of Ireland.

10.2. If You pay Your Premium in Instalments, You may cancel by contacting the Apple Authorised Reseller

and request that the Apple Authorised Reseller cancel Your Policy on Your behalf.

10.3. To receive any refund, You must provide Your original sales receipt and/or Your POC certificate.

10.4. If You cancel, You may be entitled to a refund of Premium which will be calculated on the following

basis:

10.4.1. If You cancel this Policy within thirty (30) days of the date of purchase of Your Policy and You have

paid Your Premium in full upfront, You will receive a refund of the whole Premium You paid, or if You

cancel this Policy within thirty (30) days of the date of purchase of Your Policy and You have chosen

to pay Your Premium by Instalments, You must inform the Apple Authorised Reseller in accordance

with clause 10.1 and request that it cancel Your Payment Plan Agreement. In these circumstances,

the Apple Authorised Reseller will refund to You any Instalment payments You have made.

10.4.2. If You cancel more than thirty (30) days after the Policy purchase date and You pay Your Premium in

full upfront, You will receive a refund of a proportion of the Premium You paid based on the remaining

portion of the Coverage Period. If You have chosen to pay Your Premium by Instalments and You

cancel Your Policy more than thirty (30) days after the date You purchased Your Policy, You will not

be entitled to receive a refund of the Instalment payments You have made.

If You have already made a valid claim under this Policy, then - whenever You cancel - AIG will

deduct from any refund the value of the benefit You received, which may result in no refund of

Premium being due to You.

10.4.3. Any refund to which You are entitled shall be paid either by crediting the debit or credit card You

used to purchase the Policy or, if this is not possible, then by a bank transfer to You.

All monies which become payable by AIG under this Policy shall, in accordance with section 93 of the

Insurance Act 1936, be payable in Ireland.

10.5. Any refund due may be net of any Insurance Tax that was included in the Premium if this cannot be

recovered from the tax authorities.

10.6. Where You pay the Premium by installments and there are arrears, clause 6.2.3 may apply, meaning

the Apple Authorised Reseller can request that AIG cancels Your Policy.

11. Transfer of Policy

11.1 You may transfer this Policy when You transfer the Covered Equipment, to someone else who is

resident in Ireland aged eighteen (18) years or over, and the new party will be covered for the

remainder of the Coverage Period. A Business Customer may only transfer this Policy to another

Business Customer.

11.2 You must notify Apple, on behalf of AIG, of the transfer as soon as possible by calling Apple (local

number available at support.apple.com/en-ie/HT201232) or by writing to Apple Customer Support,

Hollyhill Industrial Estate, Hollyhill, Cork, Republic of Ireland. When notifying Apple of the transfer of

the Policy, You must provide the serial number of the Covered Equipment, and the name, address

and email address of the new owner or lessee so that Apple can send an updated POC certificate to

the new owner or lessee. You must provide the new owner or lessee with these terms & conditions

and notify them of the number of claims, if any, for Accidental Damage which You have made.

11.3 The Policy transfer will be effective when Apple, on behalf of AIG, issues an amended POC

certificate to the transferee.

12 Complaints

12.1. AIG and Apple believe You deserve a courteous, fair and prompt service. AIG has asked Apple to

deal with claim and underwriting complaints on its behalf to ensure You have one point of contact on

all matters. If there is any occasion when the service You receive does not meet Your expectations,

please contact Apple using the appropriate contact details below, providing Your name and Covered

Equipment serial number to help Apple deal with Your comments more efficiently. Apple can deal

with an enquiry in the European language of Your country of residence (including English).

In Writing: Apple Customer Support, Hollyhill Industrial Estate,

Hollyhill, Cork, Republic of Ireland

By Telephone: Local number available at

support.apple.com/en-ie/HT201232

Online: Via Contact Apple Support at

support.apple.com/en-ie/contact

In Person: Any Apple-owned retail store, listed on

apple.com/retail/storelist

12.2. five (5) business days of receiving it, keep You informed of progress, and resolve matters to Your

satisfaction within eight (8) weeks, You may be entitled to refer the complaint to one of the following

ombudsmen who will review Your case. Apple will provide details of how to do this when it provides

its final response letter addressing the issues raised.

12.3. Please note: An ombudsman may not consider a complaint if You have not provided Apple with the

opportunity to resolve it previously. You may refer Your complaint to:

The Republic of Ireland Financial Services and Pensions Ombudsman

3rd Floor

Lincoln House

Lincoln Place

Dublin D02 VH29

By Telephone: 1890 88 20 90 or +353 16620899

By Email: [email protected]

The Republic of Ireland Financial Services and Pensions Ombudsman may not be able to

consider a complaint if the complainant is a limited company with an annual turnover of more

than €3 million.

Following this complaint procedure does not affect Your right to take legal action.

12.4. If you wish to complain about an insurance policy purchased online, you may be able to use the

European Commission’s Online Dispute Resolution platform, which can be found at

ec.europa.eu/consumers/odr.

12.5. As AIG Europe S.A. is a Luxembourg based insurance company, in addition to the complaints

procedure set out above, you have access to Luxembourg mediator bodies for any complaints you

may have regarding this Policy. Contact details of the Luxembourg mediator bodies are available on

AIG Europe S.A.’s website: www.aig.lu/.

13. Insurance Compensation Fund

13.1. You may be entitled to compensation from the scheme in the unlikely event that AIG Europe S.A.

cannot meet its obligations. The maximum amount that could be available in respect of any sum due

to a policyholder is 65% of the sum due or EUR 825,000, whichever is the lesser.

Further information on the Insurance Compensation Fund is available on the Central Bank of Ireland's

website though the following link: www.centralbank.ie/regulation/industry-market-sectors/insurance-

reinsurance/solvency-ii/insurance-compensation-

14. General Information

14.1. This Policy will be governed by Irish law and You and AIG agree to submit to the courts of Ireland to

determine any dispute arising under or in connection with it.

14.2. The terms & conditions of this Policy will only be available in English and all communication relating

to this Policy will be in English.

14.3. Stamp Duty will be paid to the Revenue Commissioners in accordance with the provisions of section

5 of the Stamp Duties Consolidation Act 1999.

This insurance is underwritten by AIG Europe S.A., an insurance undertaking with R.C.S. Luxembourg

number B 218806. AIG Europe S.A. has its head office at 35 D Avenue John F. Kennedy, L-1855,

Luxembourg, www.aig.lu/. AIG Europe S.A. is authorised by the Luxembourg Ministère des Finances

and supervised by the Commissariat aux Assurances 7, boulevard Joseph II, L-1840 Luxembourg,

GD de Luxembourg, Tel.: (+352) 22 69 11 - 1, [email protected], www.caa.lu/.

AIG Europe S.A. Ireland branch has its registered branch office at 30 North Wall Quay, International

Financial Services Centre, Dublin 1, D01 R8H7 and branch registration number 908876 and is

regulated for conduct of business in Ireland by the Central Bank of Ireland. Contact details of the

Central Bank of Ireland are P.O. Box 559, North Wall Quay, Dublin 1, D01 F7X3. Telephone: 1890 77

77 77. Fax: 01 6716561. E-mail: [email protected]. Web: www.centralbank.ie.

If a solvency and financial condition report of AIG Europe S.A. is available, it can be found at

www.aig.lu/.

14.4. Apple Distribution International Limited and its authorised agents or representatives distribute, sell,

administer and handle claims under this Policy on AIG’s behalf. Apple Distribution International

Limited has its registered office at Hollyhill Industrial Estate, Hollyhill, Cork, Republic of Ireland. Apple

Distribution International Limited is regulated by the Central Bank of Ireland.

14.5. Only You (or Your legal representative in the event of Your death) and AIG may enforce the terms of

this Policy.

How AIG uses Personal Information

AIG Europe S.A. (Ireland Branch) is committed to protecting the privacy of customers, claimants and other

business contacts.

“Personal Information” identifies and relates to you or other individuals (e.g. your dependants). By

providing Personal Information you give permission for its use as described below. If you provide Personal

Information about another individual, you confirm that you are authorised to provide it for use as described

below.

The types of Personal Information we may collect and why - Depending on our relationship with you,

Personal Information collected may include: identification and contact information and other Personal

Information provided by you. Personal Information may be used for the following purposes:

• Insurance administration, e.g. communications, claims processing and payment

• Management and audit of our business operations

• To comply with applicable laws or to respond to requests from public or government officials

with a court order in the investigation, detection or prevention of fraud

• Establishment and defence of legal rights

• Legal and regulatory compliance, including compliance with laws outside your country of

residence

• Monitoring and recording of service and support calls for quality, training and security purposes

Sharing of Personal Information - For the above purposes Personal Information may be shared with our

group companies, brokers and other distribution parties, insurers and reinsurers, credit reference agencies,

healthcare professionals and other service providers. Personal Information will be shared with other third

parties (including government authorities) if required by law.

International transfer - Due to the global nature of our business Personal Information may be transferred to

parties (including our group companies, our service providers and governmental authorities, for the purposes

set out above) located in other countries, including the United States and other countries with different data

protection laws than in your country of residence. For example, Personal Information may be transferred

overseas to group companies in the United States who provide centralised IT support.

Security and retention of Personal Information – Appropriate legal and security measures are used to

protect Personal Information. Our service providers are also selected carefully and required to use

appropriate protective measures. Personal information will be retained for the period necessary to fulfil the

purposes described above.

Requests or questions - To request access or correct inaccurate Personal Information, to request the

deletion or suppression of Personal Information, or to object to its use, please e-mail: [email protected]

or write to Data Protection Officer, AIG Europe S.A. (Ireland Branch), 30 North Wall Quay, International

Financial Services Centre, Dublin 1, DO1 F7X3, Ireland. More details about our use of Personal Information

can be found in our full Privacy Policy at aig.ie/ie-privacy-policy or you may request a copy using the contact

details above.

030120 AC+ Ireland v1.40