All the Legal Mumbo Jumbo in Human Legible Format

This stuff is important. Make sure you read and understand these terms.

These are the terms and conditions for Purchase Protection, a service by Purchase Protection LLC.

Yes, it’s a lot of legal mumbo jumbo and we know you don’t love these things, but this is really important. We tried to make this document as clear and understandable as possible and mixed in a bit of humor along the way to make reading this a little less painful.

** Please Read Our COVID-19 Specific Updates **

Covid 19 – Does Purchase Protection Apply? It Depends.*

Unfortunately, Covid-19 is still disrupting everything and poses serious health, financial, economic, educational and family challenges.  As we’re in the event business, we know about these disruptions, big time. But as states, counties and cities begin reopening, events are starting to come back online – in familiar and also innovative ways – and we’re adjusting to the new realities.  Part of the adjustment is to our Purchase Protection.  You can read the full terms and conditions below, but we wanted to spell it out for you what Purchase Protection does and does not cover. None of our coverages for non-Covid reasons have changed, so don’t worry about that.  But here’s how Covid has impacted Purchase Protection.

  • Covid-Related Fears of Infection: Purchase Protection does not apply if your event proceeds as planned but you do not attend because you’re afraid to contract Covid-19 and the coronavirus.
  • Covd-19 Contraction & Coronavirus: Purchase Protection does apply if you contract coronavirus in the thirty (30) days before an event and you provide us written notice of that twenty (20) days before your scheduled event. Unfortunately, we can’t take your verbal word for it because if we did, everyone would do that.  Also, Purchase Protection does apply if a member of your immediate household (not extended family or friend circle) contracts coronavirus in the thirty (30) days before an event and you provide us written notice of the same. Purchase Protection does not apply if someone at your work gets coronavirus, no matter how much notice you give us.
  • Covid-related Event/Meeting Restrictions & Event Postponement and Cancelation: Purchase Protection does not apply if your event is postponed indefinitely or cancelled because a government official or public health agency issued an order, regulation, guidance or rule that results in the indefinite postponement or cancellation of your event or the indefinite or ultimate closure of the venue hosting your event. Purchase Protection does not apply if your event is cancelled because the act/group/band/speaker/presenter, etc. contracted Covid-19, is afraid of getting Covid-19, or is in relationship with or close proximity to someone with Covid-19. If, however, your event is postponed to a date within ninety (90) days of the originally scheduled date, Purchase Protection will still apply.  If the event is postponed to a date more than ninety (90) days beyond the initial event date, Purchase Protection will not apply.
  • Covid-related Travel Restrictions/Cancellations: Purchase Protection does not apply if your flight, bus, taxi, Uber, rent-a-car, scooter or other transportation is cancelled because of government travel bans or restrictions, or because the transportation provider cancelled service on account of Covid-19. Even if the event is on and the venue is open, if you can’t get there because of a covid-related transportation restriction, it’s not our fault, no matter how much we love you and your event. Even if the event was on and transportation was not restricted when you initially purchased your ticket and transportation, Purchase Protection won’t apply because (as much as we wished we did) we don’t control the government planes, trains, or automobiles. Or Uber/Lyft/Lime scooters for that matter, which can be convenient but are really annoying. But that’s another topic.
  • Covid-Related Change in Event Format: Purchase Protection does not apply if your event goes digital or virtual only because of Covid-19 and you have to watch it at home in your PJs instead of rocking out with your friends on the dancefloor. We know, you’re sick of Zoom and Skype, we are too. But if government orders force your event onto the (small) screen because of Covid-19 concerns, Purchase Protection does not apply because the event is still happening.  At least you’ve saved some money on transportation.  And the drinks are probably cheaper from your fridge.

* These terms and conditions apply to Covid-19/Coronavirus and any other pandemic/disease/contagion that results in the issuance of federal, state, county or local health orders, restrictions, limitations and/or guidance that impact your ability to attend an event.

Section 1 – What Purchase Protection Is, What It Is Not

  • Purchase Protection is not an insurance policy. Purchase Protection is not a service provided by an insurance carrier, an event organizer, act or ticketing agent.
  • Purchase Protection is a refund service provided by Purchase Protection whereby in the event the ticket holder/registrant (1) is prevented from attending an event due to certain unforeseen and qualified circumstances, (2) submits a refund request with accompanying documentation within forty-eight (48) hours after the event, and (3) Purchase Protection approves the refund request, Purchase Protection will refund 100% of the attendee’s event fees, taxes and dues.
  • Each ticketed/registered attendee will have his/her own Purchase Protection identification number to be used in the case a refund request is made, subject to certain conditions depending on the platform. If a group of five (5) attendees register on Regfox / RedPodium, they would have enrolled one at a time and each attendee would receive his or her own Purchase Protection identification number. However, if using TicketSpice where you can add a certain number of tickets, Purchase Protection would apply to all the tickets/registrations but the Purchase Protection belongs to the person buying the tickets, not the individual attendees. And in case it’s not obvious, no, you cannot impersonate another person to make a claim. That’s identity theft and stealing.
  • Purchase Protection does not apply to the event organizer, host, speaker or act, only to attendees. It does not cover fraudulent events, canceled events, postponed events or if you are simply dissatisfied with an event or act.

Section 2 – How & When to Obtain Purchase Protection

  • Purchase Protection allows you the attendee to purchase an upgrade that entitles you to a full refund of your event dues, taxes and fees should you be prevented from attending the event due to certain specified causes. (Please read the Covid-19 terms above!) Purchase Protection is only available at the time of ticket purchase using a credit or debit card. No payments will be accepted by cash or checks. Seriously, who uses cash anymore?
  • Purchase Protection may not be added onto a ticket or registration after the ticket or registration is purchased or confirmed.
  • The Cost: the cost is calculated based on a percentage of the total purchase with a minimum of $5 per registrant per registration.
  • Cancellation or refunds. Once you purchase Purchase Protection, it cannot be cancelled by you or refunded by Purchase Protection.
  • Coverage period: Purchase Protection applies from the purchase date until the start of the event. When time travel becomes possible we might re-evaluate the coverage period.

Section 3 – Your Consent to Key Terms

  • When you click the button to complete the purchase of Purchase Protection, you are submitting a request to purchase Purchase Protection, which request is considered an offer by you that may be declined.
  • When you click the button to complete the purchase of Purchase Protection, you are affirming that all the information you have provided is accurate to the best of your knowledge and that, by selecting the button to complete your purchase, you are agreeing to pay the amount displayed as the total price with the credit or debit card number provided.
  • You further affirm that you are the owner and rightful user of the credit or debit card information you submitted.
  • You further acknowledge, understand, and agree that Purchase Protection obtained with intentionally inaccurate/fraudulent information will be considered void and the Purchase Protection may be cancelled. And if you do so, you also agree you are a miserable human being.
  • You agree to receive all documents and notices from Purchase Protection electronically. Let’s be honest, no one likes receiving snail mail these days anyways.
  • You agree to provide the required documentation/evidence to substantiate your refund claim. While we are trusting people, we “trust but verify.”
  • You consent to the review of your documents, data and information by Purchase Protection for the purpose of Purchase Protection’s determination of your entitlement to a refund of your ticket price and/or service fee. If you tell us a dog ate your proof, we’re going to respond like your teacher would.
  • Purchase Protection will not distribute your user information, identity information, or financial information to any third party, subject to the following: Purchase Protection may need to disclose certain information if it has a good-faith belief that it is needed to protect or defend our or your rights, interests or property or comply with any law or legal mandate, or if it is otherwise required or allowed by law. Purchase Protection will take reasonable care to disclose only as much of such data as is needed.

Section 4 – What Purchase Protection Will Reimburse & Won’t Reimburse.

  • Ticket &/or Registration Price & Service Fee: Purchase Protection allows you, the ticket/registration holder, to obtain a refund of the ticket price for an event, plus taxes and processing fees (if applicable), should you be prevented from attending the event due to certain unforeseeable events. (Subject to the Covid-19 restrictions above.) It’s important you understand Purchase Protection only applies when you are prevented from attending – not changing your mind or you slept in because you binge watched The Office and forgot.
  • Merchandise: Purchase Protection does not cover the price of merchandise purchased by you, the ticket/registration holder. You can contact the event organizer to either get a partial refund for these purchases or heck, you might still even want to wear a shirt for an event you didn’t attend.
  • Charitable Donations: Purchase Protection does not cover the amount of a charitable donation you made to the charitable organization sponsoring, hosting, facilitating or benefitting from the event. If you want a refund for your donation, you would have to ask the organizer directly. Though we imagine that might be a bit awkward.

Section 5 – When Purchase Protection Won’t Apply.

  • Event Postponed: If an event is postponed, Purchase Protection will not refund the Purchase Protection fee or the ticket price. However, Purchase Protection will apply should you be prevented from attending the rescheduled event.
  • Event Cancelled by Venue, Host, Act or Promoter: If an event is cancelled by the host, venue, promoter, or act for reasons other than Covid-19, Purchase Protection will refund the price you paid for the Purchase Protection coverage, but not the ticket price you paid for the event.
  • Event Cancelled by Police: If an event is cancelled by the police or other law enforcement authority for reasons other than Covid-19, Purchase Protection will refund the Purchase Protection fee, but will not refund the ticket price.
  • Event Cancelled because of Armed/Military Conflict, Acts of Nature, Civil Disturbance: If an event is cancelled by the promoter, venue, act or any civil or military authority because of armed/military conflict, Acts of Nature, or civil disturbances, Purchase Protection will not apply. See “Miscellaneous Events” below for further details.
  • Fraudulent/Illegal Events: Purchase Protection does not apply to events that are determined by Purchase Protection to be fraudulent or illegal in any manner.
  • Theft: if Purchase Protection was purchased using the credit or debit card of a third person, without their permission, Purchase Protection will refund the Purchase Protection fee, but will not refund the ticket price.
  • Chargeback: If the fee for Purchase Protection is disputed by the purchaser and the credit or debit card company reverses the fee, Purchase Protection is canceled and no claim will be honored.
  • Misrepresentations: if you provided inaccurate information to Purchase Protection, the service will not apply.
  • No/Inadequate Documentation: If you fail to provide sufficient supporting documents (detailed below) to support the refund request, Purchase Protection will not apply.
  • Late claim: if you (the attendee) submit your refund request more than forty-eight (48) hours after the event, no refund will be provided.
  • Fyre Festival 2.0. Should the organizers of Fyre Festival attempt another party on a remote, secluded, largely amenity-free caribbean island, Purchase Protection is not valid and you should really question your judgment.

Section 6 – How Purchase Protection Processes & Pays Refund Claims.

  • Where to submit a claim: please visit
  • Timing of refund claim: all refund claims must be submitted within forty-eight (48) hours after the event. Untimely (late) refund claims will not be considered.
  • Submission of refund documents: as more fully explained in Section 7, specific documents may be required to process refund claims.
  • Claimants seeking refunds consent to the disclosure of private, confidential medical information/records to Purchase Protection for the specific and limited purpose of Purchase Protection’s processing of a refund claim, and further agree that Purchase Protection’s use of the documents/information submitted complies with HIPAA’s rules and regulations.
  • Purchase Protection will not use the submitted documents for any other purpose and will not provide them to any third parties unless required to by court order or by written request of the individual submitting the documents. Subject to these exceptions, Purchase Protection will not sell, transfer, assign or otherwise distribute the refund claimant’s submitted documents to any person(s) or entities.
  • If the claimant refuses to provide the required documentation or information, Purchase Protection reserves the right to deny the refund claim.
  • Questions regarding Documents: you will be notified by Purchase Protection if there are any issues with the documents you submitted with your refund request.
  • Notification of Claim Status: Purchase Protection will, within ten (10) business days from the date of the refund request, email you a response that your claim is accepted or denied or requires further information.
  • Cancellation of Tickets / Registration. Once Purchase Protection is claimed, your ticket/registration will be cancelled and the ticket/registration will not be honored at/by the event.  If you are unable to attend for a qualified reason, you can submit a request for refund OR give your ticket to another attendee – you may not claim a refund and transfer/assign/sell your ticket to a third party.  In the case of tickets purchased on behalf of a group: if one member of a ticketed group cannot attend, he or she, or the group, may request a refund of one ticket.
  • Chargebacks: as noted above, if the fee for Purchase Protection is disputed by the purchaser, or the credit or debit card company reverses the fee, Purchase Protection is canceled and no claim will be honored.
  • Refund Payment: payments for approved refund claims will be made in check format within thirty (30) days of submission of claim. Refunds will be paid on behalf of Purchase Protection and not the event organizer, host, venue or act. We know checks are not anyone’s favorite, but it’s the fastest and easiest way to issue you a refund.
  • Appeal of Refund Decision: Purchase Protection’s determination is final and no appeals or requests for reconsideration of a refund request will be accepted.

Section 7 – What Circumstances & Events Purchase Protection Applies to & Doesn’t Apply To


  • What is covered: Purchase Protection covers the death of an attendee/spouse/immediate family member within 30 days before the event date. If you die, this won’t be your problem, but your surviving family members may make a claim on your behalf.
  • What is not covered: Purchase Protection will not apply when the date of death is more than 30 days before the event date.
  • What may be covered: If you have a bonafide disability that requires the use of a service animal, your service animal is licensed, trained and/or registered in accordance with applicable laws and regulations, and your service animal passes within seven (7) days prior to the event, we will consider the refund request on a case-by-case basis.
  • Documents required for refund claim. In the case of death, a copy of the death certificate or other official documentation confirming the date and time of death.  In the case of the death of a service animal, documentation about your disability/condition, the service animal’s licensure, registration, training and date and time of death.

Health-Related Emergency Events

  • What is covered: Purchase Protection covers a sudden injury; a pregnancy emergency; an emergency surgery, or similar unplanned medical procedure within the seven (7) days prior to the event. For Coronavirus related terms and conditions, please see above.
  • What is not covered: pre-planned medical appointments/events, elective events (e.g., scheduling LASIK or a physical after the ticket is bought/booked for the date of the event), or rescheduled medical events. Botched Botox procedures, bad hair days and otherwise embarrassing cosmetic results are not valid reasons/excuses.
  • Documents required for refund claim: In the case of an emergency medical procedure, a letter, declaration or affidavit from the medical provider who provided care, or a treatment record from the procedure itself.

Non-Medical Emergency Events, Crimes.

  • What is covered: a bodily crime against you or your spouse in the seven (7) days prior to the event; a home emergency (structural damage, leak, fire, burglary, tornado, etc.) to your home, in the seven (7) days prior to the event, requiring your immediate attention.
  • What is not covered: a property crime against you or your spouse that does not jeopardize your ability to attend the event or your means of transportation to the event (e.g., someone stole your baseball card collection); hurt feelings because of mean comments on social media, a home emergency for your friend you were going to the event with; or you lost your printed/paper ticket/registration confirmation.
  • Documents required for refund claim: insurance/repair documents (such as a claim form, an estimate for repairs, invoice for repairs, receipt for work performed); police report from the theft/incident.

Transportation-Related Events

  • What is covered: if your car breaks down on the way to the event, your flight is cancelled the day of the event, or public transportation (subway, bus) is cancelled the day of the event. Please see the Coronavirus section above for specific terms and conditions related to Coronavirus.
  • What is not covered: your Uber or Lyft doesn’t show up or is late; a friend giving you a ride bailed; you decide to get your car serviced the day of the event; you ran out of gas because you tried to see how far you could go on empty (you were so close!); or your hybrid/electric car battery died and you couldn’t make it to a charging station. Blame Tesla, not us.
  • Documents required for refund claim: estimate/invoice for car repair; notice of flight cancellation, notice of cancellation of public transportation by relevant transportation agency.

Weather Related Events

  • What is covered: when severe weather renders reasonable modes of transportation inoperable or dangerous, such as torrential rain and flooding, excessive snow or ice, etc. that results in closed roads, subways, bus terminals or airports. Purchase Protection covers your means of getting to the event.
  • What is not covered: if the event is cancelled because of weather; if you are delayed due to normal traffic conditions (e.g., horrific traffic in Los Angeles); if you missed the event because the waves were awesome that day; or if customary and normal seasonal weather makes attending the event uncomfortable, such as high humidity in the south, snow in the winter, or extreme heat in the Central Valley of California.
  • Documents required for refund claim: documentation confirming the weather, such as a notice from a local governmental transportation or weather agency/body. A screen shot from the weather app on your phone won’t count.

Employment-related events

  • What is covered: if you are physically relocated for work after your event ticket is booked; forced to work at the date/time of booked event without notice, such as military, police, fire, or first responder; legally obligated by virtue of a job (such as a judge, attorney, bailiff or court-employed court reporter) to attend a legal proceeding scheduled after your ticket was booked.
  • What is not covered: if you’re too busy at work to attend, in a bad mood because your boss was mean, or the office happy hour went a little long and you couldn’t make it.
  • Documents required for refund claim: correspondence or documentation from a supervisor; or a record of the legal proceeding that prevented attendance at the event.

Legal Obligations

  • What is covered: responding to a subpoena, summons, or notice served on you after your ticket was purchased.
  • What’s not covered: reporting for jury service, which is set weeks or months in advance; being unable to attend due to being in police/law enforcement custody. If you are in custody, you will have bigger problems to address than this one.
  • Documents required for refund claim: summons, subpoena, or other documentation concerning the legal event at issue.

Miscellaneous Events

  • Threatened or actual military attack/conflict: Purchase Protection will not refund the ticket price if war/conflict/terrorism is threatened or breaks out,which cause the event to be canceled.
  • Acts of Nature: Purchase Protection doesn’t cover unforeseen and cataclysmic weather events, such as tornadoes, hurricanes, earthquakes, tsunamis, etc. which cause the event to be canceled.
  • Civil Disturbances: Purchase Protection doesn’t apply in cases of civil disturbances, such as riots, protests, blockades, sit-ins, or civil war which cause the event to be canceled.
  • Public Safety or Health Concerns: Purchase Protection does not apply, no matter how far in advance you ask, should an event be postponed indefinitely, rescheduled, or canceled because of a public health or safety concern, outbreak, or pandemic, such as in instances of Coronavirus or other pandemics, diseases, etc. “Contagion” may be your favorite movie, but when life imitates art, Purchase Protection doesn’t apply.
  • Government Bans, Decrees, Ordinance: Purchase Protection does not apply should an event be postponed indefinitely, rescheduled, or canceled because federal, state, county, and/or city/local officials or other government authorities ban gatherings, or issue guidance to avoid public gatherings, due to public quarantines, social distance laws and other suspensions of public gatherings and meetings. Look, nobody likes a party pooper, but when the government tells people to stay home for their safety, Purchase Protection doesn’t apply.
  • Documents required for refund claim: No documents are required as Purchase Protection does not apply to these events.

Section 8 – Other Reasons Purchase Protection Does Not Apply

  • Lateness: You didn’t leave enough time to get to an event, forgot about the event until the last minute, or otherwise were unable to attend the event by virtue of your own scheduling snafu including forgetting to change your clock for daylight savings. “Siri didn’t remind me” isn’t a legitimate excuse.
  • Lost ticket(s): Purchase Protection won’t apply if you lose your tickets and you don’t make a reasonable effort to get a replacement ticket before the day of the event.
  • Changed Mind: Purchase Protection won’t apply if you decide you no longer like the act, such as your favorite Milli Vanilli cover band.
  • Long Lines: Purchase Protection won’t apply if the line to get into the event was too long and you missed some or all of the event.
  • Changed Relationship Status: Purchase Protection won’t apply if you’re no longer dating/married to the person you were going to attend the event with. It will also not apply if you got dumped and decided to consume an entire carton of ice cream creating a cloud of shame. Neither will Purchase Protection apply if you drown your sorrows in overconsumption of alcohol (tequila Tuesdays, wine Wednesdays, etc.) and have a hangover.
  • Social Fears: Purchase Protection does not apply, no matter how much notice you give us, if you are afraid to attend an event because you have a fear of people, awkward conversations, small talk, or someone you have been avoiding might show up. It’s why we do Thanksgiving dinner and high school reunions, so you can conquer those fears.
  • Fears of Infection: Purchase Protection does not apply should you wish to avoid an event because you’re afraid of contracting a cold, virus, coronavirus, or other illness by attending the event or accidentally licking a restroom door handle (we’ve all been there, but don’t do it). And no, we don’t provide (and won’t share) face masks or hand sanitizer, those are on you (though we don’t recommend hoarding).

Conflicts with Pre-Planned events: Purchase Protection will not apply if you can’t make an event because you had a pre-scheduled:

  • Medical appointment
  • Travel plan
  • Employment obligation
  • Educational obligation
  • Existing legal obligation: jury duty, previously served summons, subpoena, court date
  • Body Hair waxing obligation

If you have reached this point in the terms and condition and read all of it, we would like to hear from you because most people don’t read this stuff. Let us know by sending us an email to and we might send you a free coffee on us for being a responsible internet user.

Specific questions about these terms can be directed to us via email at or you can snail mail us at the following address:

Purchase Protection LLC

914 2nd Street

Sacramento, CA 95814

Questions sent by snail mail may take up 6-12 weeks to receive a reply. Consider yourself warned.