Qwintry Global Shipping Insurance Terms & Conditions

Qwintry LLC is a worldwide service acting also in the field of Shipping Insurance. This Insurance activity is licensed in accordance with applicable legislation and can be provided by Qwintry LLC itself or its subcontractors/partners as Qwintry Global under the control of Qwintry LLC.

The present Terms and Conditions of Shipping Insurance give the information on the scope and limits of Shipping Insurance which can be provided from Qwintry Global. You can find additional information on the site https://qwintry.global/ or ask your question via email [email protected].

Please note that the User is entitled to file a claim to a postal service directly and Qwintry Global has a right to require the information on such claims and other documents needed to provide the services of Shipping Insurance. You can find useful forms and information on this topic here https://www.usps.com/help/claims.htm

1. Definitions

Policyholder or User is a person who orders insurance using the services of Qwintry Global Shipping Insurance or undertakes any actions showing an intent to make such an order.

Website — https://qwintry.global/

1.1. Agent — Qwintry LLC, a legal entity created and operating in accordance with the laws of the United States, which organizes the processes of forwarding Shipments.

1.2. Policyholder — an individual or legal entity using the services of the Agent and insuring the Goods in their Shipment using the insurance options described in these Rules.

1.3. Insurer — Qwintry LLC, a legal entity established and operating in accordance with the laws of the United States and authorized to carry out insurance activities in accordance with a business license, acting as a subject for the provision of services for insuring the property interests of the Insured.

1.4. User — an individual or legal entity using the services of the Qwintry Global Project Agent (https://qwintry.global/).

1.5. Website — the Agent's website on the Internet, in particular, the website with the address https://qwintry.global/

1.7. Goods — an item / items purchased by the User and sent with the shipping label generated on the Qwintry Global website.

1.8. The Insurance Object is the property interests of the Policyholder (the Beneficiary) that do not contradict the applicable law and are associated (depending on the type of insurance and method of delivery) with damage, destruction, Goods loss.

1.10. Sum insured — the amount of money determined by the insurance contract, based on which the size of the insurance premium (insurance premiums) and the insurance payment in the event of an insured event are established.

1.11. Insurance premium — payment for insurance, which the Policyholder is obliged to pay to the Insurer in the manner and within the time limits established by the insurance contract.

1.12. Insured risk is an expected event, in case of which occurrence insurance is produced, which has the features of probability and chance.

1.13. Insured event — an event that has taken place, provided for by this insurance contract, upon the occurrence of which the Insurer's obligation arises to make an insurance payment to the Policyholder (the Beneficiary).

1.14. Damage to the Goods — the occurrence as a result of a sudden external impact of a violation of the integrity of the structure or destruction of components (assemblies) of the Goods, or changes in the properties of the Goods that worsen the consumer properties of the Goods and make it partially unsuitable for performing the functions for which it was originally intended.

1.15. Goods Destruction — the complete unsuitability of the Goods or individual units of the Goods for use for its intended purpose. The loss of the Goods includes Constructive Loss — the condition of the Goods when it has received damage, in which the necessary costs for its restoration exceed the actual value of the Goods at the time of the insured event.

1.16. Goods Loss — the loss of the Goods or individual units of the Goods due to the actions / inaction of third parties.

2. General provisions

2.1. Subject to these Directives and applicable laws and by virtue of the license for the insurance business the “Insurer”, will enter into insurance contracts with Insured, for Goods shipped in Parcels.

2.2. Pursuant to these Directives and by virtue of the provisions of the applicable laws the Insurance Contract will be executed when the Insured takes actions (inter alia through issuing an insurance for the Goods in their personal account on the Website) that confirm their agreement with this offer and accepts it.

2.3. The Insurance Contract may be executed either in favor of the Insured in favor of the Beneficiary who is interested in safekeeping the insured Goods based on a law, other statute or contract. The Insurance Contract executed with no said interest expressed by the Insured (Beneficiary) is deemed invalid.

Obligations arising from these Directives are equally binding upon the Insured and Beneficiary and in all appropriate cases references to obligations carried out by the Insured hereunder mean the Beneficiary as well.

3. Qwintry Global Insurance line

3.1. The Insurer is entitled to assign marketing names to separate lines of insurance implemented within the framework of these Directives at their own discretion and to the extent that is compatible with the applicable legislation.

3.2. An Insurance Contract may be executed based on the lines of insurance placed below with regard to the following insurance events:

3.2.1. Qwintry Global Insurance:

The Insurer will compensate the Insured (the Beneficiary) for the losses caused by perishing or loss of the Goods, and also, in case of total loss of Goods together with the Parcel, the losses incurred by the Insured for the Goods delivery in the amount of the sum of the Agent’s services which were paid, except for the cases listed in Section 6 of these Insurance Directives. Shipping fees must be included into the insured value to receive reimbursement on.

3.3. Regardless of the Insurance line chosen, the damages of Goods which are not obviously related to the damages of the Parcel due to the delivery processes will not be compensated.

4. Insurance coverage

4.1. The parties determine the insurance coverage when executing the Insurance Contract based on the actual (insured) Goods cost.

4.2. Should the insurance coverage determined by the Insurance Contract exceed the actual (insured) Goods cost, it will become invalid to the extent of the insurance coverage that exceeds the actual (insured) Goods cost at the time of the Contract execution, and the Insured will not get compensation for the paid insurance premium.

4.3. Should the insurance coverage stipulated by the Insurance Contract be lower than the actual (insured) Goods cost, the Insurer is entitled at their discretion to refuse to compensate the losses without reimbursing the insurance premium paid by the Insured or to compensate the losses proportionally to the insurance coverage vs the actual (insured) cost rate.

4.4. The Insurer, when executing the Insurance Contract, is entitled to inspect the Goods and their supporting documents to determine their actual cost.

4.5. In any case, the insurance coverage cannot exceed the actual (insured) Goods cost.

4.6. Maximum Insurance Coverage is fixed on the level of $2,499, or $400 for USPS First Class Package Service. The Insurance Coverage cannot exceed the fixed limit including the cases where the cost of the Goods stated in invoice exceeds the Maximum Insurance Coverage.

5. Insurance premium

5.1. Insurance premium is the payment for the insurance coverage the Insured must make to the Insurer pursuant to the Insurance Contract.

5.2. An insurance rate is an Insurance Premium rate based per exposure unit.

5.3. Actual insurance rates for various types of insurance are informed to the Insured per placing this information on the site. The amount of the Insurance Premium depends on the type of insurance selected by the Insured and is shown in the personal account of the Insurance at the moment when such choice is made. The value of the Insurance Premium can be changed in accordance with the results of the final calculation of the delivery costs in the personal account of the Insured.

5.4. An Insurance Premium may be paid by depositing an appropriate amount into the Insured personal account on the Website which further will be debited by the Insurer.

5.5. The Insurance Contract is deemed executed only if the Insured has paid the Insurance Premium.

6. Insurance exclusion

6.1. As for Insurance Contracts executed on terms and conditions listed in the present Insurance Directives no compensation is provided for the damages arising from:

6.1.1. Flood, earthquakes, tsunami.

6.1.2. Negligence or willful misconduct on behalf of the Insured/Beneficiary /Recipient.

6.1.3. Hostilities and/or their consequences, destruction or damage by mines, torpedoes, bombs and other weapons of war, terrorist attacks, civil wars, civil unrest of all kinds, or strikes.

6.1.4. Confiscation, seizure, damage or destruction of the Parcel and/or the Products at the demand or as a result of actions of the authorities, as well as customs, sanitary or quarantine services.

6.1.5. Direct or indirect exposure to nuclear energy, enhanced radiation associated with any use of nuclear or atom fission or fusion energy or utilization of fissionable materials.

6.1.6. Goods manufacturing flaws or defects resulting from the fact that on the date the Insurance Contract is executed the Goods have been previously used or have damages (defects) due to any other reasons.

6.1.7. Natural properties of the Goods per se (internal spoilage, leakage, spontaneous ignition, etc.).

6.1.8. Shortage or damage to the Goods provided the external packing is intact.

6.2. Phones, tablet computers and other electronic devices when they are shipped by USPS (USPS Priority and USPS Priority Express).

6.3. Electronics, household appliances, power tools and computer components can have insurance coverage only if the manufacturer packaging is available.

6.4. No Insurance Coverage is provided for any indirect losses, in particular, loss of profit due to delays in good delivery, changes in bank loan interest rates, changes in currency exchange rates, fall in prices for Goods or for their delivery, non-pecuniary damage and any similar damages and losses.

6.5. The insurance covers the Goods per se only, not the packaging of the manufacturer, Agent or mail/ courier services.

6.6. The Insured undertakes to control on his own compliance or non-compliance of the Goods insured by him, chosen shipment methods and other essential aspects with Insurance Coverage exclusion rules. If the Insured actually pays the insurance premium non-complying with these rules the Insurance Contract is not deemed executed, the legal effects resulting from this Insurance Premium payment involve the Insurer’s obligation to return the Insurance Premium to the Insured, provided the appropriate requirement is submitted by the Insured.

7. Insurance contract execution

7.1. Pursuant to these Directives and by virtue of the provisions of the applicable laws the Insurance Contract will be executed when the Insured takes actions (inter alia through issuing an insurance for the Goods in their personal account on the Website) that confirm their agreement with this offer and accepts it.

7.2. When signing the Insurance Contract the Insured has to notify the Insurer about the actual cost of Goods, confirmed by the Insured’s purchasing documents. In case the Insured provides a false cost of Goods the Insurer has the right to refuse to make the insurance payout to the Insured.

7.3. When signing the Insurance Contract the Insured has to notify the Insurer about the circumstances known to the Insured that are essential for determining the likelihood of the insurance event occurrence and foreseeable losses (insurance risk) given the Insurer is not aware and must not be aware of these circumstances. If upon the Insurance Contract execution it will be verified that the Insured has provided fraudulent information on the circumstances testifying to the risk level to the Insurer, the Insurer is entitled to refuse to pay the insurance to the Insured.

7.4. The Insured has the sole responsibility for authenticity of the information provided to the Insurer.

7.5. The Insurance Contract execution is confirmed by an instruction in the Insured’s personal account and paid insurance premium for the corresponding Parcel.

8. Period of insurance

8.1. The Insurance Contract is effective on the date the Parcel is shipped by the USPS and till the date the Recipient gets the Parcel or in case the Recipient does not get the Parcel, till disposition or start of reverse shipment, including but not limited to, refusal to receive by the Recipient, unclaimed Parcel by the Recipient, the actions of customs. In any case the Insurance Contract is valid only till expiration of the Parcel storage period at their delivery point or till additional actions on them, requiring the Recipient’s involvement, pursuant to the Agent’s conditions, are completed.

9. Relationship of the parties in case an insured event occurs

9.1. Insured Event means an occurred event, stipulated by the Insurance Contract, upon the occurrence of which the Insurer is obligated to make the insurance payout to the Insured (the Beneficiary).

9.2. The Insured, if the insured event occurrence has come to their knowledge, must inform the Insurer about the insured event occurred through a written request sent either via contact form on the Website or to the Insurer’s e-mail address indicated on the Website no later than seven (7) days after the Parcel receipt date.

The same responsibility rests with the Beneficiary who is aware of the insurance contract executed in their favor if they intend to exercise the right for insurance payout.

9.3. The Insured (Beneficiary) has to provide the Insurer with a written document, verifying shipment to the Insured objects included into the Parcel by a seller or a shop/acquisition service, that shall include information on the objects’ name, their cost, delivery address and such Parcel tracking number. The Insured (Beneficiary), as requested by the Insurer, also has to submit correspondence with the seller or the shop/acquisition service to the Insurer.

9.4. Should the Insured receive a Parcel with external package damages, they must unpack the Parcel before and with involvement of mail/courier service employees and draw up a report verifying both the Parcel package status and its contents.

9.5. In situations when an insured event entails no Parcel loss, the Insured (Beneficiary) must submit to the Insurer a video of the Parcel unpacking process using the option agreed with the latter. This video shall capture the Parcel unpacking process from the very beginning – starting from the sealed shipping box, caught on video on each side and ending by the entire visual presentation of the Goods contained in the Parcel. Throughout the footage the Parcel box, in one piece, but not in parts, shall be always in picture; the video shall exclude any potential interaction between the Parcel and/or the Goods contained in it and/or their packages outside the camera’s view.

9.6. When requesting an insurance payout that amounts to the costs incurred by the Insured (Beneficiary) in order to apply corrective actions to the faults resulted from the insured event (Goods repair), the Insured (Beneficiary) must submit to the Insurer the documents from the official (certified by the Goods manufacturer) service center, confirming the amount of these costs. Such documents, without limitation, shall have reference details, contacts of the service center, a signature of an authorized representative and shall be stamped. If reliability of these documents is doubtful, the Insured is entitled to request additional documents or refuse the Insurance Payout.

9.7. When an insured event occurs, the Insured (Beneficiary) shall:

• apply best efforts to salvage and safekeep the Goods, reduce possible damages and also to prevent any new damages inflicted to the Goods;
• prevent any changes in the status of the Goods and their package until the insurance event is settled.

9.8. Should the Insured (Beneficiary) fail to comply with the above items of this Section, the Insurer is entitled to refuse making the insurance payout to the Insured (Beneficiary).

9.9. The Insured (Beneficiary) bears all the costs associated with the Goods salvage and safekeeping, amount of loss assessment, as well as with arrangements that serve to prevent further damages inflicted on the Goods.

9.10. The Insurer shall independently assess the amount of loss, based on the data and documents provided by the Insured (Beneficiary).

9.11. Having received all the documents which confirm the insured event occurrence, the Insurer is entitled to check the relevancy and validity of the submitted documents. Having completed such verification, the Insurer shall notify the Insured (Beneficiary) about the payment or refusal to pay out the insurance benefit with reasons.

In case the covered reasons are accepted, the payment is affected by adding balance in the User Personal Account (the Insured’s) on the Website, thereafter the Insured may manage funds at their own discretion for the purposes established therefore by the User Personal Account or use other methods as agreed by the Insured (Beneficiary) and the Insurer, in particular, may include:

• transfer of a bank slip, indicating the insurance benefit amount, to the address in the USA territory, indicated by the Insured;
• wire transfer as per bank details indicated by the Insured. It should be noted that in this case the Insured shall pay a bank fee which may be fifty-five (45) US dollars and more;
• if the above redemption options are not available, the option involving the PayPal mechanism is reviewed on a case-to-case basis in view of possible technical difficulties related to such kind of payments;
• other payout options as agreed upon by the Insurer and Insured.

Since the US legislation prohibits money transfers to bank cards, the insurance payout wire transfer to the Insured’s bank card is feasible only as a return of the funds previously transferred by the Insured to the Insurer at the amount not exceeding the total payment to the Insurer from this very bank card.

9.12. If the Insured (Beneficiary) has received the payout for the loss inflicted by the third party, the insured payout affected shall consider the Insurer’s right of claim with regard to these third parties.

10. Obligations of the parties

10.1. The Insurer is obliged to:

10.1.1. Familiarize the Insured with these Insurance Directives;

10.1.2. Make payouts by the method and at the amount provided in these Insurance Directives;

10.1.3. Not disclose the data on the Insured and their property status except for the cases stipulated by the current legislation.

10.2. The Insured is obliged to:

10.2.1.When executing the Insurance Contract, advise the Insurer of the actual (insured) cost of the Goods and also of all the circumstances known to them which are relevant to the insurance risk assessment.

10.2.2.Pay the premium due under the Insurance Contract.

10.2.3.On occurrence of the insurance event inform the Insurer thereof within the timelines established by these Directives and submit the required data and documents.

11. Subrogation right

11.1. Upon the insurance payout made to the Insured (Beneficiary), the Insurer obtains the right of claim, within the paid amount, the Insured has with regard to the party that is to blame for inflicting the corresponding loss.

11.2. The Insured (Beneficiary) must deliver all the documents and evidence to the Insurer, and also communicate all the data required by the Insurer to exercise the right of claim transferred to them.

11.3. If the Insured (Beneficiary) resign their right of claim with regard to the party that is to blame for the loss inflicted or exercising this right turns out to be not possible through the Insured’s (Beneficiary’s) fault, the Insurer is released of the obligations on the insurance payout.

12. Dispute review

12.1. All the disputes arising from the Insurance Contract shall be settled through negotiations. Filing a pretrial written claim shall be mandatory for further court proceedings. This claim examination period shall not exceed sixty (60) days from the receipt date.

12.2. In case the parties fail to achieve the agreement, the dispute shall be settled in a competent state court.

Insurance Costs

Domestic Shipment. Prices for insurance coverage:

USPS Priority	$1.9 per each $100	Maximum $2500
USPS Priority Express	$1.9 per each $100	Maximum $2500
USPS Ground Advantage	$0.65 per each $50	Maximum $400
USPS First-Class Letter	No insurance

International Shipment. Prices for insurance coverage:

USPS Priority	$3 per each $100	Maximum $2500
USPS Priority Express	$3 per each $100	Maximum $2500
USPS First-Class package	$3 per each $100	Maximum $400
USPS First-Class Letter	No insurance

Coverage

Insurance coverage limit per package:

International	$2,499
International First-Class Package	$400
Domestic	$2,499
Domestic Ground Advantage	$400

Maximum insurance amount $2,499, or $400 for USPS First Class Package Service. Shipping fees must be included into the insured value to receive reimbursement on.

The U.S. Postal Service only provides an automatic $100 of coverage on Express Mail. So, if the value of your packages is less than $100, you may not need to purchase additional insurance.

Covers parcels and contents from all risks of physical loss or damage from an external cause (subject to the exclusions listed below) while in transit. All parcels that are covered will be shipped in strict accordance with all regulations of the Carrier. Shipments must originate from the United States of America and coverage is only provided for shipping carriers supported by Qwintry Global. Coverage is on a parcel-by-parcel basis and each individual insured parcel must have a declared value for coverage.

If you are shipping using the United States Postal Service, make sure to follow the USPS International Mail Manual rules located here. If you ship a prohibited item, there is NO COVERAGE.

The Claims Process and Proof of Loss Requirements

Time to File: 60 days from date of shipment

USPS Non-Delivery Shipments: wait for 20 days for Domestic Shipments, 30 days for International Shipments

Damaged Shipments: can be filed immediately

In order to file a claim, you will need to provide the following:

• The tracking number (including a screenshot of a tracking scan from USPS proving they accepted the package);
• An invoice or proof of value of the items;
• If you've refunded the customer or sent a replacement, proof of that (but we do recommend waiting to refund them until your recipient has cooperated with anything Qwintry Global Insurance asks for, if possible);
• Screenshots of messages or emails you’ve had with the recipient.

For damaged claims:

• A video of the package unpacking process using the option agreed with the latter. This video shall capture the package unpacking process from the very beginning – starting from the sealed shipping box, caught on video on each side and ending by the entire visual presentation of the Goods contained in the package. Throughout the footage the package box, in one piece, but not in parts, shall be always in picture; the video shall exclude any potential interaction between the package and/or the Goods contained in it and/or their packages outside the camera’s view;
• A photo of the entire damaged item and of the internal and external packaging. Qwintry Global Insurance needs photos of all this to process a claim.

Failure to hold damaged property until claim is resolved will result in the claim being denied. Additional documents may be requested by Qwintry Global Insurance if deemed necessary for the processing of the claim.

Make sure you have paperwork and documentation for any claim you file. In order to file a claim with USPS, you will need a claim form, evidence of insurance, evidence of value, and proof of damage or loss of contents. The USPS online claim form is here.

Covered vs. Uncovered Items or Product Categories

Insurance covers the invoice value of the item plus the postage costs against loss, damage, or shortage that occurs while in transit.

Do not provide coverage for the following:

1. Accounts, bills, currency, cash in transit, evidence of debt, checks, money orders, cash on delivery (COD) payments, coins (collectible coins are not excluded), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, neon items, hazardous material, televisions, monitors, screens, perishable cargo or similar property, eggs, any stone or ceramic slabs, automobiles, motorcycles, live animals, flowers, plants, seeds, cigarettes/cigars, cotton, tobacco, windows, plate glass, stained glass, and float glass, precious stones and metal, specie, live animals, fine art, computer chips.

2. Loss, damage, or non-arrival of any parcel or the contents of said parcel which is:
   1. Addressed, wrapped, or packed insufficiently, incorrectly or contrary to the packaging requirements of the carrier being used by the Insured;
   2. Bears a descriptive label or packaging describing the nature of the parcel’s contents;
   3. Any parcel containing personal goods to accommodate an employer or employee;
   4. Any parcel shipped using the original manufacturing packaging or used packaging.

Covered vs. Uncovered Destinations

Packages sent to these countries cannot be insured (the list of countries may be changed):

• Afghanistan
• Algeria
• Angola
• Belarus
• Bosnia and Herzegovina
• Burundi
• Côte d'ivoire (Ivory Coast)
• Croatia
• Cuba
• Democratic Republic of the Congo
• Iran
• Iraq
• Jordan
• Liberia
• Libya
• Moldova
• Montenegro
• Myanmar (Burma)
• Nigeria
• North Korea
• Paraguay
• Republic of the Congo
• Serbia
• Sierra Leone
• Somalia
• Sri Lanka
• Sudan
• Syria
• Togo
• Yemen
• Zimbabwe

Canceled/Unshipped Orders

If you buy supplemental coverage through your carrier and cancel the shipment, if you qualify for a shipping cost refund, you will qualify for an insurance refund.

Insurance on Return Shipping

Returns are simply a fact of doing business in e-commerce. Though it is possible to insure packages going to customers, it’s not possible for returns. Since you’re unable to vouch for the contents of a return package, providing a customer with a prepaid or scan-based return label does not include any insurance. The only exception is if you provide a USPS Priority label, which comes with insurance by default. The caveat to this is the sender (your customer) would have to file the claim, which isn’t always likely to happen. In that respect, it’s best to approach returns on non-insured packages.

International Shipping Specifics

We draw your attention to the fact that it is necessary to consider not only the American delivery services shipping conditions, but the delivery conditions of local postal services that will deliver your parcels in the recipient's country. For detailed information on a particular country, we advise you to visit the website of the postal service of the country to which the parcel is shipped. Also, we will not deal with local postal services, this is all the responsibility of the sender or recipient.