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Buyer Oder Insurance Service

1.What does Buyer Protection cover?
Buyer Protection covers delayed, damaged, and lost items that fit the following criteria. Review the policies to understand what delayed, damaged and lost items will be covered.
- Delay: United States domestic packages not delivered 15 days after order fulfillment (i.e., the date when the order is shipped by the merchant) are considered delayed. (30 days for international packages.) Delayed packages will be compensated for $5 USD.

- Loss: United States domestic packages not delivered 30 days after order fulfillment (i.e., the date when the order is shipped by the merchant) are considered lost. (60 days for international packages.) Lost packages will be compensated for the actual item(s) value paid.

-Damage: Buyer Protection covers item damages to the point that the item(s) are unusable, clearly fractured, shattered, bent (if not bendable), crushed, etc., but does not cover cosmetic damage (scratches, dents, etc.), manufacturing damages, packaging errors, or unsealed items. Damaged item(s) will be compensated for the actual item(s) value paid.

- Buyer Protection also covers carbon-neutral shipment for all domestic shipments.

Note: Total compensation for one cover is up to the item(s) value actually paid.

2.What products are excluded from Buyer Protection?
Buyer Protection does not cover the following categories of items:
Automobiles and motorcycles Jewelry (valued in excess of $1,500)
Boats and yachts Live animals
Cash Lumber
Ceramic, marble or granite tiles, slab blocks countertops or statues Negotiable papers
Cigarettes and other tobacco products Perishable commodities
Raw cotton Pharmaceutical drugs
Fine arts (valued in excess of $10,000 per piece) Precious stones and metals
Flowers Scrap metal, steel metal and steel metal products; automotive engines; general used automotive merchandise made of metal.
Glass windows, plate glass and similar goods Securities

3.Why do I need to connect a bank account? Isn't Buyer Protection Free for merchants?
Buyer Protection is free for merchants! Because Shopify has a closed-cart system, the total revenue made by each sale sent to the merchant is unable to be split among different parties. In order for Seel to receive the amount that our mutual customers pay for Buyer Protection, Seel uses the bank account that you connected to collect Buyer Protection fees that your shoppers have paid with their order payment.

4.How does Buyer Protection resolve shoppers’ shipping issues?
Here’s the customer experience of Buyer Protection:
Shopper orders from the merchant, with Buyer Protection opted in.
Shopper receives an email with their Buyer Protection cover details, as well as instructions on how to report an issue.
If their package gets damaged or lost during transit, or is delayed, they can report the issue via Seel Claim Portal.
Seel will programmatically assess the issue using policy rules/guidelines to determine if the reported order issue qualifies for a payout.
If the reported issue does qualify, a refund will be automatically sent to the shopper in a prepaid credit card via email. If the reported issue doesn’t qualify, an email will be sent to the shopper to notify them of the denial and the reason.
Throughout the user journey, shoppers can always check out their cover details and status via 17Track’s branded tracking page.

To qualify for the payout, shoppers need to follow the issue reporting requirements:
-Issues of loss, where the package is not delivered, must be reported 30 days after the order fulfillment date for domestic shipments (and 60 days for international shipments).
-Issues of damage, where the package is delivered, must be reported within 15 days after the delivery date.
-Issues of delay, where the package is delivered, must be reported 15 days after the order fulfillment date for domestic shipments (and 30 days for international shipments).
-All issues must be reported within 90 days after the order date.

5.How much does Buyer Protection cost?
Buyer Protection is free for merchants and is available for purchase to customers in the cart page. For orders with items with a retail value under $100 USD, Buyer Protection is only $0.98 USD. For orders with items with a retail value over $100 USD, Buyer Protection is calculated from 1.5%-5% of the cart total based on several factors (for example, if an order was $150 USD, with a 1.5% rate, then Buyer Protection would cost $2.25 USD).

6.What if the products aren't sold in American Dollars ($USD)?
Seel uses Shopify's currency converter that allows all customers to pay in whichever currency is most convenient for them.