Frequently Asked Questions

About PTS Lease Payment Protection Plan

What is the PTS Lease Payment Protection Plan?

The PTS Lease Payment Protection Plan is a limited damage waiver coverage that satisfies remaining payments in the event a customer’s leased merchandise is stolen or damaged by a fire, flood, storm, or other Acts of God. In the event of a covered loss, the PTS Lease Payment Protection Plan releases the customer from any remaining payments under their TEMPOE, LLC (“TEMPOE”) lease agreement.

What are the terms for the PTS Lease Payment Protection Plan?

The PTS Lease Payment Protection Plan begins on the date of the customer’s first PTS Lease Payment Protection Plan payment.  The PTS Lease Payment Protection Plan ends either: (1) at the time customer provides written notice of  termination of the PTS Lease Payment Protection Plan, (2) an approved claim, (3) lease expiration date, (4) customer is in default of their lease agreement with TEMPOE; (5) customer defaults on the PTS Lease Payment Protection Plan payment, (6) customer fraudulently or materials misrepresents a claim for coverage, (7) customer receives lease cancellation coverage, or (8) customer returns all covered products under the TEMPOE lease.

How much is the PTS Lease Payment Protection Plan?

The PTS Lease Payment Protection Plan is $9.99/month.

How will customers opt in to this plan?

A customer may opt in for the PTS Lease Payment Protection Plan at the time of lease origination with TEMPOE. Or a customer may add it to their account at any time during their TEMPOE lease term.

  • Lease Origination. To opt in at lease origination, the customer will select ‘yes’ at the time of lease origination.
  • Welcome Call. To opt in during the Welcome Call, customer will respond ‘yes’ to TEMPOE’s CSR after the customer’s TEMPOE lease agreement is opened.
  • Mobile App. Customer may opt in at any time through TEMPOE’s Mobile App or Customer Track by selecting the coverage and agreeing to the terms and conditions.

Can a customer cancel their Lease Payment Protection Plan?

Yes, customers are able to cancel their Lease Payment Protection Plan at any time on the Mobile App, by calling TEMPOE’s customer service, or by visiting PTS’s customer portal. To cancel coverage on TEMPOE’s Mobile Application or Customer Track, customers must de-select the coverage and confirm cancellation.

Is there a minimum term for coverage?

No, there is no minimum term for coverage. Customers are covered from day 1 of their first successful PTS Lease Payment Protection Plan payment so long as such customer continues to make all payments, including the TEMPOE lease payment and PTS Lease Payment Protection Plan payment.

What is required when filing a claim?

Customers will file claims through their account on the PTS portal (www.ptsleaseprotection.com) by clicking the ‘Start A Claim’ button on the home . There will also be options on TEMPOE’s Mobile Application and Customer Track. On TEMPOE’s Mobile Application customer will select “Click to Submit a Claim” and will then be re-directed to PTS’s portal. On Customer Track, customer will select “File a Claim with PTS” and will be re-directed to PTS’s portal.

What other benefits are included in the PTS Lease Payment Protection Plan?

  • Pharmacy Savings Coupon
  • Telemedicine Benefit
  • Rental Car Discounts
  • Coupon Program
  • All this information is available to the customer via ptsleaseprotection.com

How do I file a claim?

Customers must visit www.ptsleaseprotection.com and create an account or login to their existing account with their email and TEMPOE Lease Approval ID number. Once logged in to their account, customers will find instructions on how to file a claim with PTS Direct Benefits, LLC. (“PTS”).

Will the customer be refunded a PTS payment if they opt out?

No, customers will not refunded for any PTS Lease Payment Protection Plan payments.

When will the PTS payment process?

The PTS Lease Payment Protection Plan payment will be billed to customers on a 30 day rolling basis. For example, if a customer opted in for coverage on 2/10/2021, the PTS Lease Payment Protection Plan payment would be charged on the 10th of each calendar month during the TEMPOE lease term.

Can a PTS payment be rescheduled?

No.

What happens if a PTS claim is filed and approved?

The TEMPOE lease is terminated with no further payments being owed.

What happens if a PTS claim is filed and is declined?

The customer’s lease payments and PTS Lease Payment Protection Plan payments will continue as scheduled.

What documentation is provided to the customer if they opt-in? Where will it be housed?

When a customer opts in for coverage, TEMPOE will send the customer’s information to PTS and PTS will send a welcome e-mail detailing the PTS Lease Payment Protection Plan and the applicable PTS Terms and Conditions.

What documentation is provided to the customer if the customer cancels coverage? Where will it be housed?

When a customer cancels coverage, TEMPOE will send the customer’s information to PTS and PTS will send a cancellation email to the customer.

Will all TEMPOE customers be eligible for the PTS Lease Payment Protection Plan?

TEMPOE customers who live in or leases originated in California or Washington, or at a non-eligible retailer are not eligible for the PTS Lease Payment Protection Plan.