Guarantee Limits
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FTT Coverage Schedule
Purpose of This Document
This document is incorporated by reference into the Customer Guarantee Terms. In the event of any conflict, the Customer Guarantee Terms govern eligibility; this schedule governs the applicable limits.
1. Coverage Tier Limits
Coverage limits are determined by the customer’s Coverage Tier at the time of the First Recurring Billing Event. Tier progression is based on account tenure and clean claim history.
Coverage Limit
__Tier 1
Provisional
Days 0–90__
__Tier 2
Standard
Days 91–180__
__Tier 3
Established
Day 181\+__
Per-Subscription Limit
$10.00
$25.00
$50.00
Per-Claim Limit
$10.00
$25.00
$50.00
Max Claims / 12 Months
1 claim
2 claims
3 claims
Max Active Managed Subscriptions
3
10
25
Lifetime Account Maximum
$150.00 (all tiers combined)
Notes:
- Lifetime Account Maximum of $150.00 applies across all tiers combined and is not reset by tier progression
- Tier status may be retroactively adjusted if abuse or misrepresentation is subsequently detected
- Coverage limits shown are maximums; actual reimbursement is limited to the lesser of the limit or the actual charge
2. Velocity & Claim Limits
The following operational limits apply to all accounts regardless of Coverage Tier or plan. Exceeding any threshold may result in automatic flagging and suspension of Guarantee eligibility.
Velocity Control
Max new enrollments per calendar week
5
Max new enrollments per calendar month
10
Max aggregate enrollment value per month
$150.00
Max claims per rolling 30-day period
1
Cooling-off period between approved claims
45 calendar days
Claim submission window
14 calendar days from disputed charge
Documentation response window
14 calendar days from FTT request
Notes:
- Velocity limits are evaluated on a rolling basis unless otherwise noted
- The cooling-off clock resets to zero after each approved claim
- Pending claims do not pause the cooling-off clock
- Both the claim submission window and documentation response window are strictly enforced
3. High Value Subscription Parameters
High Value Subscriptions require pre-approval before FTT will accept them under the Guarantee. Designation is based on FTT’s proprietary risk assessment and is not limited to cost alone.
Parameter
High Value Subscription threshold
Subscriptions requiring enhanced review as designated by FTT based on cost, category, or risk signals
Pre-approval required
Yes — must be requested before enrollment
Coverage without pre-approval
None
- FTT may update High Value Subscription designations without amending the Customer Guarantee Terms
- Pre-approval requests must be submitted through the FTT platform before enrollment
- Approval may be granted, denied, or made conditional at FTT’s sole discretion
- Certain subscription provider categories
- Specific geographic regions or countries
- Non-standard payment methods
- Subscription categories with elevated provider-side cancellation complexity
- Platform features designated as experimental
5. Schedule Updates
This Coverage Schedule may be updated independently of the Customer Guarantee Terms. FTT will provide notice of material changes in accordance with the Terms of Service.
- Updates apply prospectively to new enrollments unless otherwise stated
- Continued use of the FTT platform following notice constitutes acceptance of updated limits
- Emergency modifications may be implemented without advance notice where fraud risk warrants immediate action
Customers should review the current FTT Coverage Schedule periodically to confirm the limits applicable to their plan and Coverage Tier.