HCS Protection Plans

The Consumer Protection Act, 2002 (Ontario) provides a warranty on all goods purchased from a merchant. Goods must be usable for their ordinary purpose for a reasonable length of time based on the price, contract terms, and use conditions. The HCS Protection Plan extends additional protection beyond your manufacturer's warranty and does not replace it. For more information on the legal warranty, visit ontario.ca/consumer-protection.

The maximum total payout for all claims under a single Protection Plan is capped at the original purchase price of the covered product, excluding taxes and fees. Your coverage includes repairs, replacement, and associated shipping fees. All shipping, parts, and labour for covered claims are 100% covered with no deductible.

If a product is repaired twice for the same problem and a third repair is needed for that same problem within any 12-month period, HCS will, at our option, replace the product with a comparable product or provide cash reimbursement / store credit. This does not apply if the damage is from a different cause or separate incident.

Once the total value of all claims paid under a Protection Plan equals the original purchase price, the plan is considered fulfilled and no further claims will be accepted. Any remaining term is void upon fulfilment.

Below is a summary of some circumstances and items that are not covered. This is not a complete list.

• Normal wear and tear consistent with the product's expected lifespan
• Pre-existing conditions — any defect, damage, or issue present before the plan purchase date or that occurred during shipping (covered under separate shipping protection)
• Manufacturer's defects covered under an active manufacturer warranty — the manufacturer's remedy must be pursued first
• Intentional damage caused by the owner, household members, or guests
• Lost, stolen, or irretrievable items
• Collateral damage — damage to other property caused by the failure of the covered product
• Damage caused by improper care, negligence, neglect, misuse, or abuse, including failure to follow the manufacturer's care instructions
• Accidental damage or liquid damage unless the additional damage-protection add-on was purchased
• Water damage from external sources — plumbing leaks, flooding, burst pipes, excess water exposure
• Environmental damage — fire, natural disasters, acts of God, extreme temperature, pest damage, mould
• Cosmetic damage — surface scratches, scuffs, dents that do not materially affect function or structural integrity
• Customer modifications, alterations, refinishing, or unauthorized repairs performed by anyone other than HCS or an HCS-authorized service provider

• Products made of "X" coded fabric, dry-cleaning-only fabric, non-colourfast fabric, or silk fabric
• Natural flaws, inherent design characteristics, or variations in natural materials (stone, wood grain, marble veining) consistent with the product's description
• Stains caused by incontinence, hair and body oils, or chemical contact
• Damage caused by dust corrosion or accumulated environmental deposits
• Odours, pet or animal damage
• Splitting, cracking, or peeling of leather or faux-leather surfaces
• Loss of resiliency in cushioning or foam materials
• Plumbing connections, water supply lines, or drain assemblies not factory-installed

• Damage from improper installation not per manufacturer specifications
• Aftermarket hardware, locks, or accessories not factory-installed
• Damage from settling, shifting, or structural movement of the building
• Exterior door use (plan covers interior doors only)

• Damage from improper subfloor preparation or installation not per manufacturer specifications
• Damage from excessive moisture, humidity, or water exposure in the subfloor or installation environment
• Fading caused by direct or prolonged sunlight exposure
• Indentations from furniture legs, heavy objects, or high-heel traffic
• Products installed in below-grade or outdoor applications unless rated for such use by the manufacturer

Plan activation. Coverage begins on the ship date of your covered product and extends for the full 3- or 5-year term from that date.

One plan per product. Each plan covers one individual product. Bundled or multi-piece sets require separate plans unless sold under a single SKU.

Claim limit. Maximum total payout for all claims is capped at the original purchase price of the covered product, excluding taxes, shipping, and plan cost.

Cancellation. Cancel within 30 days of purchase for a full refund provided no claims have been filed. After 30 days the plan is non-refundable except where required by provincial legislation.

Transferable. Coverage transfers automatically with the product to a new owner. The new owner must notify HCS in writing within 30 days of the transfer to maintain coverage. No fee.

Canadian residents only. Plans are available exclusively to customers with a Canadian shipping address. Coverage applies to products shipped to and used within Canada.

Authorized service. All repairs must be performed by HCS or an HCS-authorized service provider. Unauthorized repairs void remaining coverage.

Subrogation. If HCS pays a claim, we may pursue recovery from any third party responsible for the loss, to the extent of the payment made.

Modification. No modification or amendment is valid unless made in writing and signed by an authorized representative of HCS.

Governing law. This plan is governed by the laws of the Province of Ontario and applicable federal laws of Canada. Any dispute is subject to the exclusive jurisdiction of the courts of Ontario.

Severability. If any provision of this plan is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

We will provide a written explanation of the reason for denial. If you disagree with the determination, you may request a review by contacting us in writing within 30 days of the denial notice. All decisions on claim reviews are final.