Terms & Conditions

01Program Description

Laguna Shield™ is a residential service contract program operated by CGE Technologies, LLC. The program provides Members with access to a network of vetted service technicians for the diagnosis, repair, and replacement of component parts within covered home systems and appliances, subject to the terms, conditions, exclusions, and coverage caps described in this Agreement.

Laguna Shield™ is not homeowners insurance, home warranty insurance, or a guarantee of repair outcome. It is a service contract. Coverage is limited to the repair and replacement of individual parts and components — not the replacement of complete systems, units, or appliances.

Available plans are:

• Essential Shield™ — $79.99/month (first-year introductory rate; regular rate $159.99/month) · $3,000 annual coverage cap
• Premium Shield™ — $114.99/month (first-year introductory rate; regular rate $229.99/month) · $5,000 annual coverage cap
• Elite Shield™ — $149.99/month (first-year introductory rate; regular rate $299.99/month) · $10,000 annual coverage cap

All plans operate on a 12-month service agreement, billed monthly.

02Definitions

• "Member" — The individual who has enrolled in a Laguna Shield™ plan and accepted these Terms and Conditions.
• "Company" — CGE Technologies, LLC, the operator of the Laguna Shield™ program.
• "Covered Item" — A specific home system or appliance listed as covered under the Member's active plan tier.
• "Covered Repair" — The diagnosis, labor, and replacement of a failed part or component within a Covered Item, as approved by the Company following a submitted claim.
• "Annual Coverage Cap" — The maximum total dollar amount the Company will pay toward approved claims within a single 12-month membership period.
• "Per-Item Cap" — The maximum dollar amount the Company will pay toward an approved repair for a single Covered Item, as listed in the Coverage Details schedule.
• "Service Call Fee" — A per-visit charge. Laguna Shield™ charges $0 service call fees on all plans.
• "Waiting Period" — The 15-day period following enrollment during which coverage is not yet active.
• "Pre-Existing Condition" — Any defect, malfunction, or failure that existed prior to the Member's coverage activation date.
• "Full Unit Replacement" — The purchase and installation of an entirely new system, appliance, or equipment unit. This is not covered under any Laguna Shield™ plan.

03Enrollment & Waiting Period

Enrollment is complete when the Member submits a valid payment method, accepts these Terms and Conditions, and receives written confirmation of enrollment from the Company. Enrollment is subject to availability in the Member's state of residence.

Members may access their dashboard, view their coverage schedule, and update account information during the waiting period. No claims may be filed and no service dispatches will be made until coverage is active.

Laguna Shield™ is currently available in 45+ U.S. states for single-family residential properties. The program is not currently available in North Dakota, South Dakota, Wyoming, Vermont, or Alaska. The Company reserves the right to modify state availability at any time.

04What Is Covered

The specific covered items, covered components, and per-item caps for each plan are detailed in the Coverage Details schedule, which is incorporated by reference into this Agreement. The Company reserves the right to update the Coverage Details schedule with 30 days' written notice to active Members.

Coverage applies only when all of the following conditions are met:

• The Member's plan is active and in good standing (no missed payments).
• The claim is submitted after the 15-day waiting period has elapsed.
• The failed item is listed as a Covered Item under the Member's plan tier.
• The failure is a mechanical or electrical breakdown resulting from normal use.
• The failed component is accessible without demolition or removal of structural elements.
• The repair cost does not exceed the applicable per-item cap or the remaining annual coverage cap.

Covered repairs include diagnosis, approved parts, and labor. The Company pays the service provider directly. Members pay $0 at the door for approved repairs.

05What Is Not Covered

The following are excluded from all Laguna Shield™ plans. This list is illustrative, not exhaustive. The full exclusions list is provided in the Coverage Details schedule.

• Full unit, system, or appliance replacement — regardless of repair cost or whether the unit is repairable.
• Pre-existing conditions — failures, defects, or deterioration that existed before the coverage activation date.
• Cosmetic damage — dents, scratches, chipped finishes, discoloration, or damage that does not affect mechanical function.
• Misuse, abuse, or neglect — including failure to perform routine maintenance (e.g., filter replacement, coil cleaning).
• Unauthorized modifications or repairs — work performed by unlicensed individuals or that voids the manufacturer's warranty.
• Damage from external events — fire, flood, storm, lightning, power surge, earthquake, or other force majeure events.
• Pest or rodent damage — damage caused by insects, rodents, or other pests.
• Non-residential or commercial use — systems in properties used for business, rental, or mixed-use purposes.
• Inaccessible components — parts that require removal of walls, flooring, ceilings, or other structural elements to access.
• Code violations and non-standard installations — systems installed without required permits or not to local code.
• Consumables and maintenance items — filters, bulbs, batteries, belts, hoses, and other regularly replaced items.
• Outdoor and auxiliary systems — pool equipment, spa systems, irrigation systems, outdoor kitchens, and detached structures.
• Secondary damage — damage to surrounding property or other systems caused by a covered item's failure.
• Diagnostic-only services without repair — the Company covers diagnosis as part of an approved repair, not as a standalone service.

06Coverage Caps & Limits

Coverage is subject to the following financial limits:

• Annual Coverage Cap — The total amount paid across all claims within a 12-month period: $3,000 (Essential), $5,000 (Premium), $10,000 (Elite). Once the annual cap is reached, no further claims will be approved until the membership renews.
• Per-Item Cap — The maximum paid for any single covered item per claim. Per-item caps vary by category and are listed in the Coverage Details schedule. The lower of the per-item cap and the remaining annual cap applies.
• Parts Cost Limits — Coverage applies to OEM (original equipment manufacturer) parts or comparable aftermarket parts at the Company's discretion. Specialty or discontinued parts that exceed reasonable market cost may be subject to additional limits.
• Refrigerant — Refrigerant recharges are included up to the limits stated in the Coverage Details (5 lbs R-410A for central A/C; 3 lbs for mini-split systems). Quantities beyond these limits are the Member's responsibility.

Caps reset at the start of each new 12-month membership period. Unused coverage does not roll over.

07Claims Process

Members must follow the claims process outlined below. Claims submitted outside this process may be denied.

1. Submit a claim through the member dashboard at lagunashield.app.clientclub.net. Describe the affected system, the nature of the issue, and select an urgency level.
2. Do not attempt self-repair or hire an outside technician before contacting the Company. Repairs made without prior Company authorization will not be reimbursed.
3. The Company will assign a vetted technician within 4 hours of claim submission (2 hours for Elite members). The technician will contact the Member directly to schedule a visit.
4. The technician will diagnose the issue and submit a repair assessment to the Company. The Company will approve or deny coverage within 24 hours of receiving the assessment.
5. If the repair is approved, the technician will complete the work at no cost to the Member. The Company pays the technician directly. Members pay $0 at the door.
6. If coverage is denied (e.g., the failure is determined to be a pre-existing condition, excluded item, or exceeds caps), the Member will be notified in writing and will not be charged. The Member may choose to pay for the repair out of pocket at market rates.

The Company reserves the right to deny claims that are submitted fraudulently or that involve misrepresentation of the failure, timeline, or condition of the covered item.

08Service Technicians

All service technicians dispatched by Laguna Shield™ are independent contractors. They are screened by the Company for valid state licensing, general liability insurance, and service quality history. The Company does not employ these technicians directly.

Members may not request a specific technician, except Elite members in select service areas where a dedicated technician assignment may be accommodated.

The Company is not liable for the acts, errors, or omissions of independent service technicians beyond the scope of the approved covered repair. Any workmanship concerns should be reported to the Company within 30 days of the completed repair, and the Company will arrange a follow-up inspection at no charge.

Technicians are authorized to perform only the specific repairs approved under the Member's claim. Any additional work performed by the technician at the Member's request is the Member's financial responsibility and is not covered.

09Billing & Payment

Membership fees are billed monthly to the payment method on file. The first charge occurs at enrollment. Subsequent charges occur on the same calendar date each month.

First-year introductory rates are locked for the first 12 months of membership. After the initial 12-month term, membership automatically renews at the then-current standard monthly rate unless the Member cancels prior to renewal. The Company will provide at least 30 days' written notice before any rate change takes effect.

If a payment fails, the Company will attempt to collect payment for up to 7 days. If payment is not collected within 7 days, the membership will be suspended and no new claims will be processed. Coverage will resume upon successful payment. The Company is not responsible for claims that occur during a suspended period.

Members are responsible for keeping their payment information current through the member dashboard.

10Cancellation & Refund Policy

Early Cancellation — Remaining Balance Due in Full: If a Member requests cancellation after service activation (as defined above), the full remaining unpaid balance for the current 12-month term becomes immediately due and payable. For example, if a Member has received a covered repair in month 2 and cancels in month 3, the balance of 9 remaining monthly payments is owed in full. The Company will invoice the outstanding balance upon cancellation. Failure to pay may result in collection action.

Cancellation During an Active or Pending Claim: If a Member submits a cancellation request while a claim is filed, approved, in progress, or awaiting parts or scheduling, the following apply:

• The Company reserves the right to immediately suspend all service activity on the open claim upon receipt of the cancellation notice.
• The Member remains fully responsible for the remaining 12-month term balance, regardless of whether the repair is completed.
• The Company is under no obligation to complete, continue, or reschedule any repair for a Member who has submitted a cancellation request.
• If the Company, at its sole discretion, elects to complete an in-progress repair after receiving a cancellation notice, that election constitutes neither a waiver of the remaining balance owed nor any extension of coverage beyond the cancellation date.

No Pro-Rated Refunds After Service Activation: There are no partial or pro-rated refunds for unused coverage once service activation has occurred. The monthly fee covers access to the network, technician availability, and the cost structure required to serve all members — not only the months in which a claim is filed.

12-Month Partner Network Commitment: Upon enrollment, Laguna Shield™ immediately activates a dedicated service obligation with its licensed contractor network in the Member's service area. Partner contractors are pre-allocated, capacity is reserved, and operational infrastructure — including dispatch systems, warranty tracking, and 24/7 emergency availability — is committed on behalf of the Member from the first day of enrollment. The 12-month contract fee therefore represents a firm commitment to the partner service network, not merely payment for claims filed. This standing obligation to partner contractors is the commercial basis for the full remaining-term balance that becomes due upon early cancellation, regardless of the number of claims submitted. Residents of California, Florida, New York, and New Mexico have additional cancellation rights mandated by state law; those rights are disclosed in Section 14 and on the State Disclosures page and cannot be waived by this Agreement.

Auto-Renewal: At the end of each 12-month term, the membership automatically renews at the then-current standard monthly rate. The Company will provide at least 30 days' written notice before renewal if the rate differs from the current rate. Members wishing to cancel at renewal must notify the Company in writing at least 10 days before the renewal date.

How to Cancel: Cancellation requests must be submitted in writing via the member dashboard or by email to [email protected]. Verbal or phone-only requests do not constitute written cancellation notice. Cancellation becomes effective at the end of the current billing cycle following receipt of written notice. The full remaining term balance, if any, is due within 30 days of the cancellation effective date.

Company-Initiated Cancellation: The Company may cancel a membership immediately and without refund for cause, including but not limited to: fraud, misrepresentation of a failure, non-payment exceeding 7 days, abuse of the claims process, harassment of Company staff or technicians, or any violation of these Terms. Upon Company-initiated cancellation for cause, all coverage ceases immediately, no refund will be issued, and any outstanding balance remains due in full.

10BMember Conduct & Anti-Abuse Policy

Laguna Shield™ is designed for Members acting in good faith. The following constitute abuse of this Agreement and may result in immediate cancellation of membership, denial of claims, and collection of the full remaining term balance with no refund:

• Filing false, misleading, or fraudulent claims — including misrepresenting when a failure occurred, describing a pre-existing condition as a new failure, or exaggerating the extent of a malfunction.
• Enrolling with the intent to use coverage and cancel within 30 days — if evidence indicates a Member enrolled for the purpose of obtaining a covered repair within the 30-day window and then canceling to receive a refund, the Company will treat service receipt as service activation, voiding refund eligibility.
• Creating multiple memberships for the same property — whether in the same name or different names, to circumvent annual coverage caps.
• Re-enrolling after cancellation to avoid an outstanding balance — new memberships will not be accepted from any individual or household with an unpaid balance from a prior term.
• Attempting to use coverage during the 15-day waiting period — submitting claims or requesting service before the coverage activation date, or misrepresenting the timeline of a failure.
• Instructing a technician to perform unapproved or out-of-scope work then disputing the resulting charges.
• Harassment, threats, or abusive conduct directed at Company staff, dispatchers, or service technicians — whether by phone, email, or in person.
• Chargeback abuse — initiating a payment dispute with a financial institution for charges that are valid under this Agreement. The Company will contest all chargebacks and reserves the right to pursue the full remaining balance through collections.

11Limitation of Liability

The Company's total liability to any Member under this Agreement shall not exceed the lesser of: (a) the total amount paid by the Member in monthly fees during the current 12-month term, or (b) the applicable annual coverage cap for the Member's plan tier.

The Company shall not be liable for:

• Incidental, consequential, indirect, or punitive damages of any kind;
• Loss of use of a covered system or appliance during the repair period;
• Food spoilage, property damage, or personal injury resulting from a covered item's failure;
• Delays in service caused by parts availability, technician availability, weather, or other factors outside the Company's control;
• The failure of a covered item to perform its intended function after a covered repair has been completed and the Member has been notified of completion.

This Agreement is the entire agreement between the Member and the Company with respect to the subject matter hereof. It supersedes all prior agreements, understandings, representations, and warranties.

12Dispute Resolution

In the event of a dispute between the Member and the Company, the parties agree to attempt to resolve the dispute informally by contacting the Company at [email protected] or (732) 322-4729.

If informal resolution is unsuccessful within 30 days, the parties agree to submit the dispute to binding arbitration administered by a mutually agreed arbitration service, under the applicable consumer arbitration rules. Arbitration shall be conducted on an individual basis. Class action arbitrations and class action lawsuits are not permitted.

This Agreement is governed by the laws of the State of New Jersey, without regard to its conflict of law principles. For disputes not subject to arbitration, the exclusive jurisdiction and venue shall be the courts of New Jersey.

13Privacy

The Company collects and uses Member personal information in accordance with its Privacy Policy, which is incorporated by reference into this Agreement. By enrolling, the Member consents to the collection, use, and sharing of personal information as described in the Privacy Policy.

The Company does not sell Member personal information to third parties for marketing purposes. Member information may be shared with service technicians and technology partners solely for the purpose of delivering covered services.

14State Disclosures

Laguna Shield™ is a residential service contract, not an insurance product. State-specific disclosures, regulatory requirements, and consumer rights may apply depending on the Member's state of residence. The following disclosures apply where required by state law:

• California (State-Mandated Consumer Right — Civil Code § 1790 et seq.): Notwithstanding the standard 12-month contract obligation described in Section 10, California law requires that this agreement may be canceled within 30 days for a full refund (if no service has been activated). After 30 days, California residents have the right to cancel and receive a pro-rated refund of the unused contract period, less a $25 administrative fee and the value of any services already provided. This right is mandated by state law and cannot be waived by contract. Laguna Shield™ is registered as a home protection company in California.
• Texas: This is a residential service contract regulated by the Texas Real Estate Commission. You may cancel within 30 days for a full refund. Complaints may be directed to the Texas Real Estate Commission at (512) 936-3000.
• Florida: Laguna Shield™ is registered as a home warranty association in the State of Florida. This contract is regulated under Florida Statutes Chapter 634.
• Nevada: Service agreements are regulated under NRS Chapter 690C. You have the right to cancel within 20 days of purchase for a full refund.
• All States: If Laguna Shield™ fails to provide service within the time periods specified in this Agreement, you have the right to obtain service yourself and be reimbursed for reasonable costs, subject to coverage caps and exclusions.

For a complete list of state-specific disclosures, contact the Company at [email protected].

15Contact Information

For questions about your coverage, to file a claim, or to contact the Company regarding these Terms and Conditions:

These Terms and Conditions were last updated on March 11, 2026. The Company reserves the right to update these terms with 30 days' written notice to active Members. Continued membership after the notice period constitutes acceptance of the updated terms.