Agreement
These Terms & Services govern access to the Traders Point website at traderspointchristianchurch.com and the home warranty plans, claims handling, and related advisory services described on this site. By browsing the pages, submitting a form, requesting a quote, or enrolling in a plan, you agree to the rules below. If you do not agree, please stop using the site and do not send personal details through the forms.
Traders Point publishes these terms so homeowners, property managers, and service partners can read the same rules before a conversation begins. The language is written for home protection, not for a general merchandise store. Nothing on this page is a substitute for the schedule, declarations, and exclusions printed on an issued plan document. If a signed plan and this page differ, the issued plan controls the claim.
Traders Point designs and administers home warranty plans. The services include plan comparison, enrolment support, claims intake, authorization notes, and written updates while a repair file is open. We do not operate a public walk-in desk on this website and we do not publish a contact number or street address here. Communication starts through the forms on the Contact, Pricing, Subscribe, and related pages.
Plans may cover heating and cooling, plumbing, electrical systems, appliances, and whole-home combinations. The exact assemblies, term, term limit, deductible, and waiting period appear on the individual plan schedule. Marketing summaries on the site are illustrations, not a promise that every home qualifies for every assembly list.
A home is considered for cover when you provide year built, system ages, and square footage, and an honest account of service history. We may ask for inspection photos, maintenance invoices, or a diagnostic report before a plan is issued. Homes with active leak warnings, unresolved mechanical complaints, or incomplete service histories may be declined or offered amended terms.
You confirm that information submitted on any form is accurate. A claim can be reduced or declined if enrolment details were incomplete or misleading, including undeclared prior damage, undeclared prior damage, or a technician invoice that does not match the described failure.
Older-home plans exist for dwellings that have already stood for many seasons and still show consistent care. They are not a way to enrol a failing assembly after symptoms have begun. Pre-existing conditions, meaning failures or noises known or that should reasonably have been known before the start date, sit outside cover unless a plan schedule says otherwise in writing.
After you accept a quotation, we issue a plan pack: a declarations page, a covered-assemblies list, exclusions, claims instructions, and these Terms & Services by reference. Coverage begins on the start date printed on the declarations page, subject to any waiting period designed to prevent immediate filing for a fault that already existed.
You should read the pack before the waiting period ends. If a clause is unclear, send a written question through the contact form. Silence after delivery of the pack is treated as acceptance of the printed terms. Cancellation during any cooling period described on the declarations page is handled as unused term, minus any claim already paid.
Heating and cooling language usually names the furnace, air conditioner, heat pump, and related controls when failure is mechanical and sudden. Plumbing language may add water heaters, interior supply lines, and selected fixtures. Electrical language may add panels, wiring, and essential outlets. Appliance language may add kitchen and laundry units when those parts are listed.
Inclusion always depends on the schedule. A heading on a marketing page does not enlarge the list. Seals, gaskets, and fluids are covered only when they fail as part of a covered repair or when the schedule lists them as stand-alone items. Wear items such as filters, bulbs, cosmetic finishes, and routine maintenance parts remain owner-pay unless a specific add-on says otherwise.
Unless a schedule expressly adds them, plans do not cover storm damage, theft, fire, flood, hail, vandalism, rust-through, cosmetic finish, roof leaks, foundation movement, or any event that belongs with a property insurance policy. They do not cover damage from neglect, improper installation, overload, incorrect fuel, lack of maintenance, overheating ignored after a warning, or continued operation after a failure is obvious.
Modifications that change original operating limits can void related systems. Unpermitted rewires, unlisted appliance conversions, or bypassed safety controls may lead to a declined file for the systems they affect. We still consider unrelated assemblies if the modification did not contribute to the failure.
Consequential loss—lost workdays, rental beyond any stated allowance, hotel costs, or diminished value—is excluded unless an add-on prints a daily limit. Diagnostic time is considered when it is necessary to confirm a covered failure and is reasonable for the symptom. Exploratory teardown without prior authorization may remain owner-pay.
Keep the home systems serviced at the intervals recommended by the manufacturer or a published equivalent. Retain invoices that show date and the work completed. A missing filter or flush history is a common reason a heating file is questioned. You must use parts of suitable quality.
When a warning light or alarm appears or a new noise begins, stop using the failed system if continued operation would enlarge the damage, and open a claim file through the published process. Reasonable steps to prevent further loss are required. Temporary heating or cooling may be reimbursed only when an allowance is printed on the schedule.
You must not authorize a full repair before we have reviewed the estimate, unless the schedule allows emergency work up to a stated amount. Emergency work still requires photos, failed-part evidence, and a written invoice after the fact.
A claim begins when you or a technician sends the plan number, home details, symptom, diagnosis, estimate, and supporting photos or scan reports. We may ask for the failed part to be retained. Authorization is a written note that states the covered amount, deductible, and any owner-pay lines. Verbal comments from an advisor do not enlarge that note.
We may suggest a second opinion if the diagnosis is incomplete. You may still use a technician of your choice if that facility can supply the evidence we need. Labour times are reviewed against published guides and the actual work described. Betterment—new parts that improve a worn but uncovered adjacent item—can create an owner-pay share, which we explain before work continues.
Payment is made according to the schedule: to the technician, to you against a paid invoice, or by a combination of both. Deductibles are collected per visit or per failure as printed. Multiple failures found in one visit may share a deductible only when the schedule says so.
The contribution shown on Pricing pages is a starting illustration. The issued figure depends on the home, term, deductible, and underwriting. You authorize the payment method described on the enrolment form. Failed payments can suspend claims handling until the account is current.
Refunds of unused term, if any, follow the cancellation table on the declarations page and may subtract issued claims, administrative fees printed in advance, and days already elapsed. A request to cancel must come through the contact form from the email used at enrolment or another method we can verify.
Many plans can transfer with the home when a new keeper applies in writing and the plan is not in arrears. Transfer is not automatic at a private sale. Cancellation by either party follows the plan pack. We may cancel for non-payment, material misrepresentation, or fraud. You may cancel as allowed by the cooling period and any later cancellation table.
A lapsed plan is not a pause you can reopen after a failure appears. Reinstatement, if offered, may include a new waiting period and a fresh inspection.
The website is a static information and enquiry desk. Forms are processed on your device for validation and then shown as a thank-you message. Do not submit content that is unlawful, abusive, or that contains someone else’s personal data without permission. Do not attempt to disrupt the site, scrape it in a way that harms other visitors, or present our pages as your own product.
All original text, layout, logo, and graphics on this site belong to Traders Point or their licensors. You may share links to our pages. You may not copy the plan language or visual design to sell a competing warranty product.
Personal details sent through forms are handled as described in the Privacy Policy. Claims files may include technician invoices, photos of a home, and diagnostic reports. We keep those records for the period needed to administer the plan and to answer disputes. Marketing email is optional and can be stopped on the Unsubscribe page. Claims notices are not marketing and continue while a file or plan is active.
We administer protection plans with reasonable care. We are not the builder or manufacturer of the home and we do not guarantee that a particular system will never fail. Our responsibility for a covered failure is limited to the amounts and procedures in the issued plan, including any per-claim or aggregate cap printed on the schedule.
To the fullest extent allowed by applicable law, Traders Point is not liable for indirect, incidental, or special losses, including lost profit, lost work, or inconvenience, except where a plan add-on prints a specific allowance. Nothing in these terms limits liability that cannot legally be limited, including liability for fraud or personal injury caused by negligence where such a limit is forbidden.
If a claim decision is unclear, write to the coverage desk through the contact form with the plan number and the point you dispute. We review the file, the estimate, and the schedule language and reply in writing. If we cannot agree, the dispute path printed on the plan pack applies, including any mediation step named there.
We may update website copy, published illustrations, and these Terms & Services. The version on this page applies to new site use from the date it appears. Issued plans keep the terms that were in force on their start date unless a change is required by law or you accept an amendment in writing.
Legal and contractual notices about the website or an issued plan should be sent through the Contact Us form or to support@traderspointchristianchurch.com. We do not publish a telephone number or a street address on this website. Please allow a reasonable time for a written reply.
Last updated: 22 September 2026. By continuing to use traderspointchristianchurch.com or by submitting any form, you acknowledge that you have read these Terms & Services and the Privacy Policy linked in the footer.
Whether it is one family kitchen or an entire rental property, the coverage desk helps you compare terms and stay informed at every step.
