Quin Lifestyle Protection
Terms and Conditions
YOU SHOULD READ THESE TERMS AND CONDITIONS CAREFULLY TO ENSURE YOU FULLY UNDERSTAND THE REQUIREMENTS, LIMITATIONS, AND EXCLUSIONS OF THE QUIN LIFESTYLE PROTECTION PROGRAM BEFORE YOU COMPLETE YOUR QUIN MEMBERSHIP ENROLLMENT.
For more information or questions on any of the terms listed, PLEASE CONTACT US AT firstname.lastname@example.org.
What do some of these words mean?
What is Quin Lifestyle Protection?
Quin Lifestyle Protection helps You cover monthly expenses in the event of Involuntary Unemployment. If You meet the requirements to activate Quin Lifestyle Protection, You will qualify for up to $1,000 of coverage per month for 3 months subject to these Terms and Conditions.
How do I qualify for Quin Lifestyle Protection?
To qualify for Quin Lifestyle Protection, You must meet all eligibility requirements described in these Terms and Conditions, including the following:
What happens if I qualify for Quin Lifestyle Protection.
Upon becoming eligible for Quin Lifestyle Protection, and subject to the additional qualifications and limitations in these Terms and Conditions, You will receive a statement credit towards the balance of Your Quin credit card, up to $1,000 per month, for each month in which You remain Involuntarily Unemployed, for a period of up to 3 months within a 12-month period. The initial 12-month period begins on the date You activated Your Quin Membership and renews annually on the anniversary date of Your Quin Membership activation date.
Quin LifeStyle Protection Credit(s) will be applied to the New Balance of Your account up to a maximum of $1,000 a month for up to 3 months for a maximum total of $3,000 in a 12-month period. Quin Lifestyle Protection Credit(s) up to $1,000 are based on any previous balance on Your Quin credit card account as well as purchases made during the months Your Quin Lifestyle Protection benefit was active. Quin Lifestyle Protection Credit(s) will be credited to Your account by the end of Your billing cycle. You may see multiple credits and the credits will appear as Quin Lifestyle Protection Credit on Your monthly statement.
How do I prove I’m Involuntarily Unemployed?
First, You need to let Us know You are Involuntarily Unemployed by activating Your Quin Lifestyle Protection through the Quin app (an “Activation”).
Once You Activate Your Quin Lifestyle Protection, We will need to verify that You are Involuntarily Unemployed and that You qualify.
If We need more info from You to allow Us to verify Your Involuntary Unemployment status, you may be required to submit documentation including, but not limited to, proof from Your employer of Your previous employment status and number of hours for 90 days prior to your Activation. We may also need documentation from Your state unemployment agency that You have met the qualifications to receive state unemployment benefits and are actively seeking employment.
You will be required to upload the required documentation through the Quin app. We will determine if You meet the eligibility requirements by reviewing the information submitted and making a decision based on information and documents provided. We will let You know the statuses and outcome of Your Activation through notifications in your Quin app throughout the duration of Your Activation.
Note: IF YOU ARE NOT AWARDED INVOLUNTARY UNEMPLOYMENT BENEFITS FROM YOUR STATE, YOU MAY STILL QUALIFY FOR Quin Lifestyle Protection.
Do all types of employment qualify for Quin Lifestyle Protection? No. There are certain types of employment that are excluded from Quin Lifestyle Protection:
What things exclude me from Quin Lifestyle Protection?
You will not qualify for Quin Lifestyle Protection if Your Involuntary Unemployment:
What if You are Involuntarily Unemployed more than once?
Once you Activate your Quin Lifestyle Protection and qualify, You are eligible for up to three (3) months of Lifestyle Protection during your annual Quin Membership period. If You become Involuntarily Unemployed more than once within the same Annual Quin Membership period, We will consider this a continuation of Involuntary Unemployment.
You can re-activate Quin Lifestyle Protection if You qualify again and if You have not already used up Your three (3) months of protection available to You during Your Annual Quin Membership period.
If You need to re-activate your existing Quin Lifestyle Protection or activate a new application and You work for the same employer, You will not need to re-qualify for Quin Lifestyle Protection. If You work for a new employer, You will need to requalify by Activating a new application.
If You become Involuntarily Unemployed during a subsequent Annual Quin Membership period, We will consider that a new period of Involuntary Unemployment. So long as You qualify for Quin Lifestyle Protection You will have another three (3) months of coverage available to You for each year You renew Your Annual Quin Membership.
Are there tax implications if I qualify for Quin Lifestyle Protection?
Maybe. You may be subject to federal, state and local taxes on the amount paid to You with Quin Lifestyle Protection. You should consult Your tax advisor.
Changing these Terms and Conditions.
We reserve the right to change these Terms and Conditions at any time and we will provide you notice of any such changes as required. Your continued payment of the Quin Membership will constitute Your acceptance of the change in terms.