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Terms and Conditions
Summary Terms and Conditions
The One Llama Program Terms and Conditions outline the requirements and procedures for participating in the Mutuality Program, which aims to foster safe driving habits and provide financial assistance for auto repairs.
• Program Overview: The One Llama Program, also known as the Mutuality Program, is designed to encourage safe driving and facilitate financial contributions among members to cover auto repair costs resulting from accidents.
• Non-Insurance Nature: The Mutuality Program is not an insurance plan and does not guarantee payment for any event. Contributions are managed and processed among members without any promise of indemnity. The amount of protection is based on the selected Plan and defines the maximum amount that will be shared by the community.
• Terms Acceptance: Members must read, acknowledge, and accept the Terms and Conditions to participate in the Mutuality Program. Participation implies agreement to be bound by these terms.
• Membership and Auto Enrollment: Prospective members must pass an eligibility review based on their driving history and the condition of their vehicle. Multiple vehicles can be enrolled, with each assessed independently.
• Contribution and Payment: Members are required to maintain a valid payment method for contributions. Failure to make payments within the grace period results in automatic withdrawal from the program.
• Sharing Request Process: Members can submit a Sharing Request following an eligible event. The request must be approved by the Administrator before any repairs are made to qualify for contributions. A “Sharing Request” happens when a Member has an accident and requests financial support from the community (other active Members in the plan). The amount of support is determined by the total number of accidents during the week and the aggregate costs. The Sharing request is the total cost divided by the number of Members (less the Members in the accident(s) up to a maximum of 10% of the Member’s current Pledge. Additionally, up to 10% of investor funds may be used to meet any insufficiency in the total Sharing Request. It is possible that the sharing amount available is insufficient to cover the Sharing Request.
• Auto Repair Procedures: Repairs should ideally be conducted at designated body shops. Members must confirm service completion for payment to be released. Details of repairs are shared on the platform for transparency.
• Withdrawal and Renewal: Members can submit to withdraw from the program at any time, which becomes active at the end of the paid term (or obligated term in the case of installment payments), with rights and obligations lasting until the withdrawal date. The Mutuality Plan automatically renews unless the member opts out.
Terms and Conditions
Last Updated: February 1, 2025
I. Introduction of One Llama Program
The One Llama Program (“Mutuality Program” or “Program”) set forth herein provides the terms and conditions that Members must acknowledge, accept and comply with to participate in and remain part of the Mutuality Program. This Mutuality Program was jointly formulated by Members to create a community dedicated to achieving the following common goals: (i) fostering safe driving habits and reducing auto accidents; and (ii) raising contributions from Members and processing claims of sharing for Members who have suffered losses resulting from auto accidents. The capitalized terms not defined in Section I shall have the meaning set forth in Section II below. Members have entrusted use of the One Llama App (“Mutuality Platform” or “Platform”) to support the execution and operation of the Mutuality Program. One Llama Inc. (“One Llama”) administers the operation of the Mutuality Program (“Administrator”) in cooperating with third-party service providers, including Designated TPA, Payment Processor and Auto Repair Body Shop. These terms and conditions , including the accompanying Appendix, and such other documents published herein (“Terms and Conditions” or “Terms”) specifies the services to be provided to Members by the Administrator, the Designated TPA, the Payment Processor, Auto Repair Body Shop, and other service providers (“Services”).
THE MUTUALITY PROGRAM IS NOT INSURANCE AND DOES NOT OFFER A PROMISE OF INDEMNITY TO SHIFT THE RISK OF LOSS TO A THIRD PARTY, SUCH AS AN INSURANCE COMPANY. THEREFORE, THE MUTUALITY PROGRAM DOES NOT GUARANTEE PAYMENT FOR ANY EVENT, INCLUDING DAMAGE OR REPAIRS TO YOUR AUTO. IN OTHER WORDS, THERE IS NO ASSURANCE THAT ANY MEMBER WILL RECEIVE DIRECT OR INDIRECT PAYMENTS, VEHICLE REPAIRS , OR ANY OTHER MONETARY OR NON-MONETARY BENEFITS IN THE EVENT OF DAMAGE TO THEIR VEHICLE. RATHER, THE MUTUALITY PROGRAM COLLECTS, MANAGES AND PROCESSES CONTRIBUTIONS AMONG MEMBERS.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY, BEFORE DECIDING TO PARTICIPATE IN THE MUTUALITY PROGRAM. ONCE YOU ACKNOWLEDGE AND ACCEPT THESE TERMS AND CONDITIONS, YOU ARE DEEMED TO FULLY UNDERSTAND, CONSENT TO AND AGREE TO BE BOUND BY, AND COMPLY WITH THESE TERMS AND CONDITIONS, ALONG WITH THE TERMS AND CONDITIONS SET FORTH IN THE ACCOMPANYING APPENDIX, AND ANY OTHER DOCUMENTS PUBLISHED ON THE PLATFORM. YOU MAY NOT CLAIM THAT THESE TERMS AND CONDITIONS ARE INVALID OR NOT BINDING ON THE GROUNDS THAT YOU DID NOT READ THEM OR OTHER DOCUMENTS IDENTIFIED HEREIN.
Your participation in the Mutuality Program or access or use of the Services constitutes your agreement to be bound by these Terms and Conditions, which establishes a contractual relationship between you and One Llama. If you do not agree to these Terms and Conditions, you may not access or use the Services. These Terms expressly supersede prior agreements or arrangements with you. One Llama may immediately terminate these Terms and Conditions or any Services with respect to you, or generally cease offering or deny access to the Services or any portion thereof, at any time for any reason. Supplemental terms may apply to certain Services, such as policies for a particular event, activity or promotion, and such supplemental terms will be disclosed to you in connection with the applicable Services. Supplemental terms are in addition to, and shall be deemed a part of, the Terms and Conditions for the purposes of the applicable Services. Supplemental terms shall prevail over these Terms and Conditions in the event of a conflict with respect to the applicable Services. One Llama may amend the Terms and Conditions from time to time. Amendments will be effective upon One Llama’s posting of such updated Terms and Conditions at this location or the amended policies or supplemental terms on the applicable Service. Your continued participation in the Mutuality Program or access or use of the Services after such posting constitutes your consent to be bound by the Terms and Conditions, as amended.
Ⅱ. Definitions
Except as specifically defined in other sections of these Terms and Conditions, the capitalized terms set forth herein shall have the meanings described below. For any capitalized terms not defined under this section, the definitions provided in the other documents published on the Mutuality Platform shall apply.
1. “Actual Cash Value” means the replacement cost of the auto or property less Depreciation or Betterment.
2. “Actual Total Sharing Contribution Amount” refers to the actual amount Members collectively share in a sharing contribution cycle. It is calculated as the total Authorized Sharing Amount (based on the plan selected by the Member) of a Sharing Contribution Cycle, minus the available balance in the Designated Account, minus One Llama’s Sharing Contribution for that cycle (if any).
3. "Administrator" refers to One Llama Inc., the company responsible for managing the program according to the terms and conditions. “App” means the One Llama application available on the web, allowing Members to join the Mutuality Program and complete certain actions to fulfill their roles and responsibilities under these Terms and Conditions.
4. “Applicant” means a member who has submitted a Sharing Request upon the occurrence of an Eligible Event.
5. “Authorized Loss Amount” means the loss amount attributable to the Mutuality Program, as determined by the Member’s plan for each Eligible Event. Please refer to Section III(2) of the Appendix for the formula used to calculate the Authorized Loss Amount.
6. “Authorized Sharing Amount” means the amount of Sharing an Applicant is entitled to receive under the Mutuality Program, determined by the difference between the Authorized Loss Amount and the Remaining Pledge Balance.
7. “Authorized Transportation Assistance Amount” means transportation expenses incurred due to the loss of vehicle usage resulting from any Eligible Event,
8. “Auto Repair Body Shop” refers to a network of body shops undertaking the auto repair requests for Members.
9. “Betterment” refers to improvement made to an auto or property that increase its value beyond its pre-loss condition.
10. “Contamination (including radioactive contamination)” refers to defacement or, deterioration, of the Planned Auto, or personal injury or death resulting from the leakage, spillage, discharge, scattering, or release of oil, exhaust gases, goods or other pollutants during the normal use of the Planned Auto.
11. “DUI” refers to a Member or additional driver convicted of driving under the influence of alcohol or drugs within the past seven (7) years.
12. “Contribution” means the dollar amounts voluntarily transferred by a member to the Program for continued participation in the Mutuality Program. Since participation in the Mutuality Program is voluntary and not a contract for insurance, contributions are not considered a “demand for payment” for a service.
13. “Custom Parts or Equipment” means equipment, furnishings, and parts in a Planned Auto, other than those installed by the original manufacturer or dealer. This includes but is not limited to a.) special carpeting or insulation, b.) furniture or bars, c.) height extended roofs, d.) body, engine, exhaust or suspension enhancers, e.) winches, f.) anti-roll or anti-sway bars, g.) custom wheels, tires, or spinners, h.) custom grilles, louvers, side pipes, hood scoops or spoilers, i.) custom chrome, paint, murals, decals, or other graphics, j.) caps, covers, and bedliners. This also includes any electronic equipment, antennas, and other devices installed exclusively to send or receive audio, visual, or data signal, or to play back recorded media, other than those originally installed by the manufacturer.
14. “Depreciation” means a decrease in value to the auto or property due to use, disuse, physical wear and tear, age, obsolescence or other causes.
15. “Designated Account” means the account with the Payment Processor used to facilitate sharings.
16. “Designated TPA” means the third-party administrator appointed by the Administrator to determine the Authorized Loss Amount in response to a Member’s report of auto damage.
17. “Effective Period” means the period during which Members enjoy rights and assume obligations under his/her Mutuality Plan.
18. “Eligible Event” refers to any direct and accidental loss for which a Member is eligible to file a Sharing Request as specified in these Terms and Conditions. Please refer to the Appendix for the details of an Eligible Event.
19. “Farm auto” means a truck type vehicle with a gross vehicle weight of 15,000 pounds or less, used only for farming and not for other commercial purposes.
20. “Individual Shared Amount” means the pro-rata share of the Member Pledge Amount that a Member elects to share within each Sharing Cycle of the Mutuality Program,. For the specific pro-rata formula used to calculate the Individual Shared Amount, please refer to Section V.2.(iii) of these Terms and Conditions.
21. “Lienholder Information Endorsement (CCC)” means any additional lienholder or collateral coverage on the vehicle.
22. “Limit of Authorized Loss Amount” means the maximum auto repair costs a Member can apply for under his/her Mutuality Plan for each Eligible Event. The specific provisions of the Limit of Authorized Loss Amount for each Eligible Event are set forth in Section III.3 of the Appendix to these Terms and Conditions.
23. “Listed Driver” means all the authorized drivers of the vehicle, other than the Member, listed in a Mutuality Plan. Each Mutuality Plan may include one Member and up to four Listed Drivers.
24. “Member” refers to a user who has joined the Mutuality Program and whose Mutuality Plan is still within the Effective Period.
25. “Mutuality Plan” refers to the specific terms and conditions applicable to each Member and his/her Planned Auto upon enrollment in the Mutuality Program.
26. “Mutuality Plan Account” refers to the account ledger maintained on the Platform, documenting transactions of each Member, which include but are not limited to, the Pledge Amount, sharing contributions made and received, and projected account balances.
27. “Natural Disaster” refers to a sudden and catastrophic event in nature that can cause loss of life or property damage, including but not limited to, lightning strikes, storms, rainstorms, floods, tornadoes, hail, typhoons, hurricanes, tropical storms, tsunamis, ground subsidence, cliff collapses, landslides, mudslides, avalanches, ice subsidence, blizzards, icicles, sandstorms, earthquakes and their secondary disasters.
28. “Non-owned Auto” means a private passenger, farm or utility vehicle not owned by or furnished for the regular use of either the Member or his/her relatives, except a Temporary Substitute Auto. Member or Member’s relative must be using the auto or trailer within the scope of permission given by its owner. Autos rented or leased for more than 30 days are considered as furnished for regular use.
29. “Owned Auto” means any vehicle described in the Mutuality Plan that is owned by a Member as evidenced by the property title issued by the jurisdiction in which the vehicle was sold to the Member.
30. “Out-of-Pocket Expenses” means the amount the Applicant is responsible for paying toward a loss from an Eligible Event. The specific amount of Out-of-Pocket Expenses is set at $500 per incident for the first 500 members and $1,000 per incident thereafter. For partial losses involving only glass repair work, please refer to the glass repair section below.
31. “Outstanding Contribution” refers to the amount a member has failed to pay his/her weekly Sharing Contribution or Remaining Pledge Balance related to his/her own eligible event. Members with an Outstanding Contribution are granted a grace period to rectify their payment status. Failure to settle an Outstanding Contribution within the grace period may result in automatic withdrawal from the Mutuality Program. This concept underscores the responsibility and cooperative spirit within the Mutuality Program community.
32. “Payment Instrument” refers to the payment methods including bank cards or bank account, that each Member provides upon joining the Mutuality Program, which will be used for Sharing Contributions.
33. “Payment Processor” refers to the third-party payment company responsible for processing Sharing Contribution from Members and making payment to those Members requesting Sharing Contributions and applicable Recipients.
34. “Permissive Driver” refers to a driver of the Planned Auto who is not a resident in the Member’s household and has been given temporary permission by the Member to drive the vechicle.
35. “Planned Auto” means the auto defined in Section I. 2. of the Appendix.
36. “Pledge Amount” means the maximum sharing amount a Member is committed to share during one Effective Period of the Mutuality Plan. It is determined when the Member applies to join or renew the Mutuality Program. The actual sharing amount per Sharing Cycle is determined based on that cycle.
37. “Plan” is a statement provided to a prospective member that specifies the Pledge Amount and the service fee payable to the Administrator for the Mutuality Plan Effective Period.
38. "Plan Amount” is the amount shown in a Plan is equal to the sum of the Pledge Amount and the service fee payable to the Administrator.
39. “Recipient” means a Member who has suffered Total Loss or any third-party service provider contributing to repair or recover losses, such as the Auto Repair Body Shop, glass specialty repair facilities, electronic re-calibration facilities, as the case may be.
40. “Remaining Pledge Balance” is the remaining committed funds to a Mutuality Plan, calculated as the Pledge Amount minus the cumulative Individual Shared Amount of one Member during the Effective Period. As each Sharing Cycle occurs, Sharing Contributions made are subtracted from the Pledge Amount, and the Remaining Pledge Balance is updated to reflect the remaining funds designated for future Sharing Contributions.
41. “Share” or “Sharing” refers to the voluntary contributions Members give to support the other Member’s auto repairs. Once a sharing is made, it is considered a donation and cannot be reclaimed.
42. “Sharing Cycle” refers to the specific period starting from the launch date of the Mutuality Program, during which Sharing occurs. The cycle is set to one week but may be adjusted based for improved customer experience.
43. “Sharing Request” is a request made by Members through the Platform for a sharing contribution upon the occurrence of an Eligible Event during each Sharing Cycle based on these Terms and Conditions.
44. “Temporary Substitute Auto” means an automobile or trailer, not owned by a Member, that is temporarily used with the owner’s permission. This vehicle must be used as a substitute for the Owned Auto or trailer when withdrawn from normal use due to breakdown, repair, servicing, loss or destruction.
45. “Total Loss” includes actual total loss and constructive total loss. A Planned Auto is considered an actual total loss if it is lost after an Eligible Event, is severely damaged and completely loses its original shape and utility, cannot be restored to its pre-loss condition, can no longer be owned by the Member, or is legally required to have a branded or salvage title. Constructive total loss occurs if it is determined that the actual total loss is inevitable, or if the cost to restore the vehicle to its pre-loss condition exceeds or is close to the Actual Cash Value, and the Administrator negotiates with the Members to apply for the Sharing Contribution as a total loss.
46. “Trailer” means a non-powered vehicle towed by another vehicle, designed for use with a private passenger auto, and not used as a home, office, store, display, or for the transport of passengers.
47. “Traffic Hit and Run” refers to the act of fleeing from the scene of a road traffic accident by driving away or abandoning a vehicle, or absconding and hiding to evade legal responsibility after the occurrence of such an accident.
48. “Total Loss Event” means the incident that causes the Total Loss.
49. “Utility Auto” means a vehicle, other than a Farm Auto, with a gross vehicle weight of 15,000 pounds or less, of the pick-up body, van or panel truck type, not used for commercial purposes.
Ⅲ. Program Participation
  1. Becoming a Member To protect all Members’ interests, the Administrator will review a prospective Member’s driving history and the condition of his/her Planned Auto to determine whether he/she is eligible to enroll in the Mutuality Program in accordance with the qualification provisions in the Appendix. If the prospective Member and the Planned Auto meet the qualification criteria, they are eligible to become a Member of the Mutuality Program. A prospective Member becomes a Member after successfully passing the Administrator’s review and upon activation of his/her Mutuality Plan. Please refer to Section IV.2 for the effective date of the Mutuality Plan. Once enrolled, a Member enjoys the right to submit a Sharing Request for the Planned Auto following an Eligible Event and may choose whether or not to contribute when other Members experience an Eligible . If a Member chooses not to contribute to an Eligible Event, they will immediately lose membership.
  1. Number of Planned Autos A Member is entitled to enroll multiple Planned Autos in the Mutuality Program. When a Member elects to enroll multiple Planned Autos in the Mutuality Program, the rights and obligations of the Member under the terms of the Mutuality Program shall be assessed independently for each Planned Auto. This includes, but is not limited to, determinations regarding the Pledge Amount, Authorized Loss Amount, Authorized Sharing Amount and any other rights or obligations associated with each Planned Auto, independently and without affecting rights and obligations related to any other Planned Autos owned by the Member.
Ⅳ. Mutuality Plan
  1. Pledge Amount When a Member enrolls in the Mutuality Program, they must maintain a valid Payment Instrument to fulfill the agreed upon payment terms. If installment payments are selected, the remaining Pledge Balance may be subject to additional transaction fees to process payments. The Pledge Amount is determined by the One Llama plan chosen by the member. The Member understands and acknowledges that the selected plan may not guarantee sufficient funds to restore the auto to its pre-incident condition. The Pledge Amount may change upon renewal of the Mutuality Program at the end of the current term, based on the prevailing pricing mechanism of the Mutuality Program. Members are responsible for ensuring that their Payment Instrument remains valid and has sufficient funds or credit to cover the Individual Shared Amount required during each Sharing Cycle. If the Payment Instrument lacks sufficient funds or credit, the Platform will notify the Member, who will have 15 days (the “Grace Period”) to resolve the issue. During the Grace Period, the Platform will continue attempting to charge the Individual Shared Amount. At the beginning of the Grace Period, all rights conferred under these Terms and Conditions will be temporarily forfeited unless the Member successfully pays the Individual Shared Amount within the Grace Period. If, by the end of the Grace Period, the full Individual Shared Amount remains unpaid, the Member will be deemed to have withdrawn from the Mutuality Plan and will cease to be a Member. When a member registers, the member understands that they signed a contract and the plan amount is an obligation to be fulfilled. When a member registers, the member understands that they signed a contract and the plan amount is an obligation to be fulfilled. Since we are a mutuality and not insurance, the members understand everyone shares in the cost of the member auto collision and comprehensive repairs and that everyone is relying on the community to honest and credible.
  1. Effectiveness and Invalidity of Mutuality Plan (i) Effectiveness of Mutuality Plan: The Mutuality Plan becomes effective on the date member registered unless specified otherwise by the member and approved by One Llama. The member is required to submit their appropriate vehicle images within 7 days of registering. A member will not be able to file a Sharing if they fail to submit their vehicle images within 7 days. (ii) Effective Period: The Mutuality Plan is for a 6 month period and cannot be terminated within the 6 month period. If a member cancels then their plan will end at the end of the 6 month period. (iii) Automatic Renewal: A Member’s Mutuality Plan will be automatically renewed, provided the Member meets the qualification criteria at the time of the renewal. Members are required to give seven days notice if they do not plan to renew to avoid an automatic charge. (iv) Invalidity of the Mutuality Plan: Notwithstanding any other provisions in these Terms and Conditions, the Mutuality Plan becomes invalid if (a) the Effective Period of the Mutuality Plan expires or (b) the Member fails to pay their installment payment by the end of the Grace Period. The Mutuality Plan will become invalid at the last day of the 6 months period if the member terminates their plan.
  1. Sharing Contributions The Pledge Amount committed by each Member will be used for Sharing Contributions during the Effective Period of the Mutuality Plan. When an Eligible Event occurs and a Sharing Request is approved during a Sharing Cycle, the Member must participate in the sharing process during the six month commitment period.
Ⅴ. Sharing Request, Authorized Sharing Amount and Auto Repair Procedures
  1. Prerequisites for Submitting a Sharing Request: (i) A Member is entitled to submit a Sharing Request when their Planned Auto experiences an Eligible Event, provided the event occurs before 11:59 pm on the expiration date of the Mutuality Plan's Effective Period. (ii) When a third party is liable for the losses on a Planned auto, the member needs to obtain the insurance information of the liable party and first seek indemnification from the liable third party’s insurance company. A member is only eligible to submit a sharing request for the amount that’s not fully indemnified. (iii) If a member carries a valid collision & comprehensive auto insurance policy at the occurrence of an eligible event, the member must first seek indemnification from his own insurance company. A member is only eligible to submit a sharing request for the amount that’s not fully indemnified by his collision & comprehensive policy. (iv) When a Member submits a Sharing Request for an event involving a Planned Auto, the Designated TPA and/or the Administrator will determine whether the event qualifies as an Eligible Event and will calculate the Authorized Loss Amount. (v) Only the Administrator is authorized to evaluate and approve Sharing Requests. As such, Members must notify the Administrator to verify the Eligible Event and the Authorized Loss Amount. If the Member repairs the Planned Auto before notifying the Administrator, they will be ineligible to submit a Sharing Request.
  1. Sharing Request and Authorized Sharing Amount (i) Upon meeting the prerequisites in Section V.1, the Member is entitled to submit a Sharing Request. This request should be submitted as soon as possible, but no later than 24 hours after the incident. (ii) If the Member’s Authorized Loss Amount is less than the Remaining Pledge Balance in their Mutuality Plan Account, the Payment Processor, under Power of Attorney, will deduct the Authorized Loss Amount from the Member’s One Llama account and transfer it directly to the Recipient. In this case, the Member is not entitled to receive any Authorized Sharing Amount. (iii) If the Member’s Authorized Loss Amount exceeds the Remaining Pledge Balance in their Mutuality Plan Account, the following will occur: (a) The Payment Processor, authorized by the One Llama administrator, will charge the entire Remaining Pledge Balance and transfer it to the One Llama Repair Fund. The Repair Fund will pay the repair shop once the Member has signed a completion certificate and confirmed satisfactory service. If the policy includes a lienholder, their signature will also be required to authorize payment. Both the Member and lienholder must sign the authorization form for the administrator to release funds for the repair. (b) The Member may be eligible to receive an Authorized Sharing Amount, which is the difference between the Authorized Loss Amount and the Remaining Pledge Balance, subject to this provision and Section V.2(v). (c) The aggregate of the Remaining Pledge Balance and the Authorized Sharing Amount will be transferred to the One Llama Repair Fund, which will handle payment to the repair shop upon proper authorization. (iv) Regardless of the above provisions, Members must maintain responsible and safe driving behavior. A Member is required to cover any Authorized Loss Amount first by utilizing the entirety of their Remaining Pledge Balance. Members must also ensure that their Payment Instrument has sufficient funds to cover out-of-pocket expenses. The Member must pay these out-of-pocket expenses directly to the Auto Repair Body Shop upon picking up the repaired auto. If the Remaining Pledge Balance is insufficient, a 15-day Grace Period will be granted, during which the administrator will continue attempting to charge the balance. Failure to cover out-of-pocket expenses may result in additional storage costs or legal action by the repair shop. If the balance remains unpaid by the end of the Grace Period, the Member will be automatically withdrawn from the Mutuality Plan, and One Llama CC Mutual LLC may engage a third party to collect the remaining balance. The Member’s credit score may be negatively affected, and any outstanding balance must be paid before re-enrollment in the Mutuality Program. (v) To promote responsible driving, One Llama may secure a one-time contribution from an investor for a fee to be negotiated by One Llama and approved by the Members ("Supplemental Contribution") to the Mutuality Program during its initial launch. Members' Sharing Contributions will be capped at 10.0% of their respective Pledge Amount per Sharing Cycle. If the Authorized Sharing Amount exceeds the combined 10.0% cap, the Supplemental Contribution will cover up to 10.0% of the shortfall. Members have the right to withdraw from the Mutuality Program at the end of each 6 month commitment period, but continued participation authorizes the withdrawal of voluntary Sharing Contributions up to the cap. (vi) In the event that combined Sharing Contributions and Supplemental Contributions are insufficient to cover the Authorized Sharing Amount, One Llama CC Mutual LLC management will decide how to handle the shortfall. In such cases, the requesting Member may be individually liable for the difference.
  1. Auto Repair Procedures (i) The Administrator is responsible for appointing a Designated TPA for loss assessment and coordinating with authorized Auto Repair Body Shops. The Administrator is developing artificial intelligence technology to assist in this process. The Administrator will not cover actual expenses incurred by the Auto Repair Body Shop; these will be shared by all participating Members, as outlined in these Terms and Conditions and its Appendix. (ii) If a Planned Auto is repairable, it is preferred that the repair be conducted at a contracted Auto Repair Body Shop designated by the Administrator. If no contracted shop is available within a 25-mile radius of the Member’s current address, alternative arrangements may be made. Members may choose their own repair shop, but the reimbursement will be limited to in-network repair rates. Any price discrepancies will be the Member's responsibility. The Authorized Sharing Amount will be paid directly to the repair shop. (iii) Repairs will use a combination of OEM and non-OEM parts, depending on the car's age. For vehicles older than one year, non-OEM parts may be used. OEM parts will be used for Safety Restraint Systems. If the car is under one year old, OEM parts will be used where available. (iv) Members must confirm service completion and sign an authorization of payment on the Platform within three days of the repair's completion. If the Member fails to do so, the repair shop may take legal action, and the payment will not be released. (v) Repair details, including accident information, geographic location, parts involved, and itemized costs, will be shared with Members on the Platform. Members who disagree with the Sharing Contribution after the public announcement period (seven days) may withdraw from the Mutuality Program. Otherwise, continued participation is deemed approval of the Authorized Sharing Amount. (vi) Repair expenses may include both estimated and actual costs. Sharing Contributions will be adjusted accordingly. (vii) The Mutuality Program may require a general contractor to manage auto repairs. The general contractor may outsource repairs to third parties, including specialty repair facilities. The Administrator may act as a general contractor during the Program's initial stages and will charge 0.6% of auto repair costs as a service fee.
VI. Withdrawal and Renewal
  1. Withdrawal (i) Withdrawal on Expiration Date (a) Upon the expiration of the Effective Period, the Mutuality Plan will automatically terminate. (b) The Member retains all rights and obligations under the Mutuality Plan for the Planned Auto until 11:59 pm on the expiration date of the Effective Period. For example, the Member can choose to participate in sharing for any Eligible Event occurring before 11:59 pm on the expiration date and may submit a Sharing Request for the Planned Auto within 365 days if the Eligible Event occurred before 11:59 pm on that date. (c) If a Sharing Request is pending under the Mutuality Plan after 11:59 pm on the expiration date of the Effective Period, the Mutuality Plan will expire as scheduled, and the Member will not be eligible to submit new Sharing Requests. The related Mutuality Plan Account will be placed on hold until the day after the next Sharing Cycle, allowing the Member to receive the Authorized Sharing Amount before the aforementioned date. (ii) Withdrawal Before the Expiration Date (a) A Member may apply to withdraw from the Mutuality Plan at any time during the Effective Period. In such cases, the Member will retain all rights and obligations under the Mutuality Plan until 11:59 pm on the withdrawal application date. For example, the Member can participate in sharing for any Eligible Event that occurs before 11:59 pm on the withdrawal application date and may submit a Sharing Request for the Planned Auto until 11:59 pm on that date. The Member must participate during the current term of the Plan. If a member is on an installment payment plan, they must make timely payments or be suspended from the plan with no access to the Sharing benefits. (c) If a Sharing Request is pending before 11:59 pm on the notification of non-renewal date, the Mutuality Plan will expire on the when the term ends, The Mutuality Plan will terminate early in the event of a Total Loss, with the termination taking effect on the completion date of the Total Loss Event. Until the completion date, the Member retains all rights and obligations under the Mutuality Plan, including the option to participate in sharing for any Eligible Event that occurs before the Total Loss Event completion date. (iv) Withdrawal Due to an Abnormal Event (a) If the Member’s Payment Instrument is in an abnormal status and cannot withdraw Outstanding Contributions during the Grace Period, and the Member is unable to fulfill their obligations under these Terms and Conditions, the Member will be deemed to have automatically withdrawn from the Mutuality Program. (b) To comply with applicable laws and ensure the smooth operation of the Mutuality Program, the Administrator reserves the right to amend the Terms and Conditions, including Member enrollment qualifications, Pledge Amount rules, and the acceptable types of Payment Instruments. Members must take necessary actions to comply with the revised Terms and Conditions. Failure to do so may result in the Administrator suspending or terminating the Member’s participation in the Mutuality Program. (c) If any of the following events occur, the affected Member’s Mutuality Plan will be terminated immediately. If the Member has received an Authorized Sharing Amount, the Administrator may recover it and reduce the community's losses. Both the Administrator and Members retain the right to pursue legal action against the defaulting Member: A. The Member, Sharing Request applicant, driver, or other related parties intentionally provide false information/materials regarding the incident. B. The Member, Sharing Request applicant, driver, or other related parties intentionally cause the incident. C. After the incident, the Member, Sharing Request applicant, driver, or other related parties falsify material evidence, alter the causation of the auto accident, change parts on the Planned Auto, or exaggerate the incident's losses. D. The Member is convicted of a DUI within seven years, with eligibility to reapply for membership only after seven years have elapsed. E. The Member is terminated for three years after two claims in one year.
  1. Renewal of Mutuality Plan (i) The Mutuality Plan will automatically renew. A renewal notice specifying the Pledge Amount for the new term will be sent to the Member via email and posted on the Platform 30 days before the current Mutuality Plan expires, provided the Planned Auto meets the renewal qualification criteria outlined in Section I.2 of the Appendix. If the Member disagrees with the renewal terms, they must contact the Administrator. If no objection is raised, the Mutuality Plan will be renewed under the terms outlined in the renewal notice. (ii) The Pledge Amount for the new Mutuality Plan will be adjusted based on factors including, but not limited to, the Member’s Eligible Events in the previous term. Any Remaining Pledge Balance recorded in the Mutuality Plan Account will be applied to the new Pledge Amount, and the Member will only be required to cover the difference between the new Pledge Amount and the Remaining Pledge Balance. (iii) If a vehicle designated as a Planned Auto fails to meet the qualification criteria outlined in Section I.2 of the Appendix, the Member will not be eligible to renew their Mutuality Plan until the vehicle satisfies the necessary qualifications. (iv) A Member is prohibited from renewing the Mutuality Plan if they were previously withdrawn from the Program due to an abnormal event, as described in Section VI.1(iv).
VII. Rights and Obligations of the Members
(i) Rights. In addition to the rights outlined elsewhere in these Terms and Conditions, Members shall have the following rights: (a) To file a Sharing Request for an Eligible Event as the principal of the Mutuality Plan. If an Authorized Sharing Amount is granted in response to a Sharing Request, Members have the right to decide whether or not to participate in the Sharing. (b) To access information and materials provided by the Platform, including reviewing the records of the Mutuality Plan such as the Remaining Pledge Balance and Contributions for each Sharing Cycle, understanding the Eligible Event for which a Sharing Request is valid, and questioning the Administrator regarding the qualifications of the Eligible Event. (c) To authorize the Administrator to recover the Authorized Sharing Amount if a Member obtains such an amount by submitting fraudulent information and/or materials. Recovered funds will be deposited into the Designated Account and used to offset the Authorized Sharing Amount in the next Sharing Cycle.
(ii) Obligations. In addition to the obligations outlined elsewhere in these Terms and Conditions, Members shall have the following obligations: (a) To provide true, valid, and complete identity and Planned Auto information and to promptly notify the Administrator of any changes to this information. The Member authorizes the Administrator to reject their Sharing Request if they fail to provide accurate and updated information. Any dispute or loss caused by the Member’s failure to provide such information shall be borne by the Member. (b) To provide true, valid, and complete information to the Administrator as soon as reasonably possible following the occurrence of an Eligible Event, if the Member decides to file a Sharing Request under the Mutuality Program. The Administrator may reject the Sharing Request if the Member fails to provide the required information in a timely manner. (c) To maintain a valid Payment Instrument for making and receiving Sharing Contributions. (d) To review, acknowledge, and accept the Terms and Conditions of the Mutuality Program. (e) To acknowledge and accept the Terms of Service of service providers such as the Administrator, the Platform, the Designated TPA, and the Payment Processor, and to provide "know-your-customer" documentation as requested by these service providers. (f) To review the information regarding an alleged Eligible Event and related public announcements pushed by the Platform, as well as any amendments to these Terms and Conditions and its Appendix. Members may not hold any person liable for failing to review such public information or Platform notifications. (g) To securely safeguard their Platform username and password. Any operation conducted using the Member’s username, password, or private key to log in to the Platform will be considered the Member’s activity, and the Member shall bear all associated liabilities. (h) To authorize the Administrator, at its sole discretion, to terminate the use of any password or user account, discontinue certain services, and remove or delete any content provided by a Member who has violated these Terms and Conditions or the Appendix, failed to fulfill their obligations, or obtained undue advantages through fraudulent means, thereby infringing upon the rights of other Members. (i) To recognize and accept that the Administrator may, without prior notification, deactivate or remove a Member’s account, including any related information and documents, and temporarily or permanently restrict the Member’s use of the account or documents upon detecting unlawful activities. (j) To acknowledge and agree that payment processing through the Payment Processor is integral to the service, and that the Administrator will exchange information with the Payment Processor to facilitate the services. (k) To consult a tax advisor regarding whether Sharing Contributions are eligible for tax deductions or subject to tax recognition. One Llama makes no representation as to whether any or all of the Sharing Contributions are tax-deductible or eligible for tax credits or similar treatment.
Ⅷ. The Service Scope and Service Fee of the Administrator, Designated TPA and Other Service Providers
(i) Scope of Work: (a) The Administrator is responsible for developing the internet infrastructure/Platform used by the Mutuality Program and providing the necessary technical support. (b) The Administrator develops technology and risk control measures to screen high-risk vehicles, promote safe driving behaviors, and automate loss assessments. (c) The Administrator establishes a network of service providers, including the Designated TPA, Auto Repair Body Shops, Payment Processors, and pricing data providers, as well as on-site surveyors, to assist Members. (d) The Administrator manages the operations of the Mutuality Program and the Platform. (e) The Administrator initiates and maintains the first version of these Terms and Conditions for the Mutuality Program and has the authority to amend or supplement them based on Member feedback and operational improvements. The Terms and Conditions take effect upon publication on the Platform. (f) The Administrator assesses whether prospective Members meet the enrollment criteria of the Mutuality Program and makes final decisions regarding their admission. The Administrator has exclusive authority over the admission process and holds the final decision-making power. (g) The Administrator discloses details of each Eligible Event on the Platform. Members must acknowledge and consent that certain details of the Eligible Event—such as anonymized vehicle information, the Authorized Loss Amount, the Authorized Sharing Amount, accident handling procedures, photographs, and the Member’s name, vehicle plate number, and VIN (excluding mobile numbers, identity card numbers, and driver’s license numbers)—will be made publicly available on the Platform. (h) The Administrator has the right to reject a Sharing Request if the incident does not comply with these Terms and Conditions. (i) For approved Sharing Requests, the Administrator is authorized to charge each Member’s Payment Instrument to collect the Individual Shared Amount and the Remaining Pledge Balance from the Applicant whose Sharing Request has been approved, in accordance with Section V(iv). The Administrator will then transfer the funds to the Auto Repair Body Shop, working with the Payment Processor as stipulated in these Terms and Conditions. (j) The Administrator is authorized to work with a qualified Payment Processor to manage the flow of funds, including the Pledge Amount and payment of the Authorized Loss Amount to the applicable Recipient. (k) The Administrator and/or the Designated TPA will determine whether an event meets the criteria of an Eligible Event and, if so, will assess the loss, Authorized Loss Amount, and Authorized Sharing Amount. (l) The Auto Repair Body Shop will provide a guarantee and warranty for repairs and workmanship for as long as the Member owns the Planned Auto. The Auto Repair Body Shop will cooperate with the Administrator and the Designated TPA to resolve any issues during or after the repair process. The Auto Repair Body Shop is expected to interact with the Member in a professional and courteous manner. (m) Contracted Alternative Parts Suppliers Contracted alternative parts suppliers agree to provide a limited lifetime warranty on their CAPA (Certified Automobile Parts Association) products. These suppliers guarantee that their parts will be free of defects in materials and workmanship for as long as the Member owns the vehicle. If a warranty request is pre-approved by the contracted supplier, a replacement part will be provided, and reimbursement for installation labor will be included. (ii) Service Fee (a) The Administrator will charge a service fee equal to 30% of the Plan Amount for each Mutuality Plan. Unless otherwise specified in these Terms and Conditions, the service fee will be charged when the Member joins and each time they renew their Mutuality Plan. The service fee is non-refundable, as the Administrator provides certain services to Members upon joining the Mutuality Program. (b) In addition to covering the services provided, the 30% service fee will also be used to cover the cost of loss assessments and the usage of pricing data, as outlined in these Terms and Conditions.
Ⅸ. Rights and Obligations of Administrator, Designated TPA and Other Service Providers
(i) Rights (a) If the Administrator is unable to continue managing or providing services to Members, it will provide Members with a 90-day prior notice. (b) The operation of the Mutuality Program relies on the internet and may experience disruptions due to technological and security challenges. The Administrator, Designated TPA, and other service providers do not guarantee continuous service and are not liable for any interruptions, failures to meet Member requests, or any losses or consequential damages incurred by Members. This includes, but is not limited to, the Member’s inability to send, receive, or interpret information correctly; loss or theft of account assets due to events beyond control, such as force majeure, computer viruses, hacking, system instability, geographic location, network disconnection, or issues related to technology, the internet, or telecommunications. (c) In the event of an incident affecting the Platform or Mutuality Program's normal operation, the Administrator will make reasonable efforts to coordinate with the community and developers to address the issue. However, the Administrator may not be able to resolve or cause the resolution of such incidents. Additionally, the Administrator reserves the right to suspend any or all services without prior notice for system maintenance, upgrades, or other necessary reasons. (d) Disputes among Members that are unrelated to any Eligible Event must be resolved by the Members themselves. The Administrator, Designated TPA, and other service providers will not be involved in such disputes and bear no liability for their resolution. (e) The Administrator, Designated TPA, and other service providers are responsible for facilitating services related to Sharing Requests but are not liable for paying any Authorized Sharing Amounts to Members under any circumstances. (f) Neither the Administrator, the Designated TPA, nor other service providers make any guarantees regarding Members’ willingness to share contributions or the Authorized Sharing Amounts that Members may receive. (ii) Obligations (a) All service providers are obligated to keep Members’ information confidential. However, they are not responsible for verifying the accuracy or truthfulness of the information provided by Members. (b) Service providers must notify Members to submit any missing certificates or documentation in a single request if they determine that the provided materials are incomplete.
Ⅹ. Fund Management
  1. General Rules of Fund Management (i) The usage of the Authorized Loss Amount is public, transparent, and subject to Member supervision. The Administrator represents and warrants that it will not misappropriate the Authorized Loss Amount and will regularly disclose the usage status of the Authorized Loss Amount on the Platform. (ii) When a Member files a Sharing Request, the Administrator is responsible for calculating the Authorized Sharing Amount in accordance with Section V of these Terms and Conditions. The Administrator will notify the bank and/or third-party Payment Processor to deduct the required funds from the applicable Payment Instruments of Members who elect to participate in the Sharing, and distribute the funds to the appropriate Recipient in the event of partial loss, or to the Member in the event of Total Loss. Fund deductions from the Payment Instrument are subject to the power of attorney granted by the Members. (iii) Transaction fees related to the sharing contribution—including, but not limited to, credit or debit transactions, sharing contribution disbursements, transfers, and payments—shall be borne by each applicable Member. (iv) Each Member must ensure that their Payment Instrument remains valid and has sufficient funds or credit to cover Sharing Contributions. In the event of a failed transaction or overdraft, the bank will impose fees, which are the sole responsibility of the Member. (v) When the Administrator calculates any amounts under these Terms and Conditions, it will round amounts to the nearest cent. If an amount is less than 1 cent, it will be automatically rounded up.
  1. Account Details (i) Members must maintain a Payment Instrument with the bank or digital bank that works with the Payment Processor. (ii) The Administrator shall maintain a platform account with the Payment Processor, dedicated solely to receiving Sharing Contributions and disbursing funds to Auto Repair Body Shops or other service providers. XI. Dissolution The Administrator will monitor Pledged Amount data daily and will promptly inform Members if the accrued total Authorized Donation Amount exceeds the total Pledged Amount, calculated based on the elapsed portion of the Mutuality Plans' Validity Period (i.e., the average elapsed period of Mutuality Plans divided by the total Validity Period of Mutuality Plans, multiplied by the total Pledged Amount). If necessary, the Administrator may decide to dissolve the Mutuality Program early. Upon dissolution, Members’ sole remedy will be to withdraw or utilize the remaining Pledged Amount in their respective Mutuality Plan Accounts. Once dissolved, all rights and obligations between the Administrator and Members will automatically terminate, with no further liabilities or obligations on the part of the Administrator. In the event the Administrator can no longer manage or operate the Platform, or if the number of Members remains below 1,200 for more than 18 months, the Administrator reserves the right to shut down the Platform. In such a case, the rights and obligations of the Administrator will terminate accordingly.
XII. Composition of the Terms and Conditions and Effectiveness
  1. These Terms and Conditions, including the Appendix, may be amended due to changes in laws or regulations, or to improve the Member experience. Once the amended Terms and Conditions and Appendix are published on the Platform, they will take effect immediately.
  1. Members must exercise their rights and obligations based on these Terms and Conditions. If a Member does not agree to the Terms and Conditions or any amendments made from time to time, they must immediately terminate their Mutuality Plan, stop using the Platform, and exit the Mutuality Program. Continued use of the services outlined in these Terms and Conditions signifies acceptance and agreement to be bound by these Terms and Conditions.
  1. In the event of any inconsistency between these Terms and Conditions and the Appendix, the contents of the Appendix shall prevail.
One Llama Program Appendix to the Terms and Conditions
Ⅰ. General Rules of One Llama Program Appendix
  1. Introduction This Appendix is attached to the One Llama Program Terms and Conditions and has the same legal effect as these Terms and Conditions.
  1. Below circumstance are not eligible to renew the Mutuality Program: a) Applied and received 2 times or more sharing contributions in the past 6 months; or b) There is evidence of fraud or suspicion of fraud as judged by the Administrator
  1. Qualifications of a Planned Auto To reduce car accidents and protect the rights of all Members, Planned Auto enrolling the Mutuality Program must meet the following requirements: (i) Model Year: Domestic and European Coupes & Sedans – 15 years or newer; aAll other brands & models – 20 years or newer with the exception of the GEM plan (ii)Allowed Body Styles: Sedan, Coupe, SUV, Truck, Trailer, or Van with no more than 9 seats (iii) Allowed Brands: Acura, Alfa Romeo, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Genesis, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, Mercury, Mini, Mitsubishi, Nissan, Oldsmobile, Pontiac, Plymouth, Ram, Scion, Smart, Subaru, Suzuki, Tesla, Toyota, Volkswagen, Volvo (iv)Original retail value: $100,000 or less (v) Expected annual mileage: 30,000 miles or less (vi)Accidents history: No more than 1 accident in the past 6 months (vii) Vehicle usage: The auto is not intended for commercial use. Vehicles that are or will be used for ride sharing purposes, such as Uber and Lyft, must disclose these purposes at the time of joining (viii)Liability Insurance: must maintain valid state-mandated liability insurance throughout the entire duration of the Mutuality Plan; and (ix)The auto must not have a salvage or branded title, prior damage exceeding the state-mandated total loss threshold, significant body, fire, or flood damage, be unregistered, stolen, illegally obtained, or banned from public roads Additional Exclusions from the Planned Auto include: a) Antique and classic vehicles b) Motorcycles, all-terrain vehicles, recreational vehicles, golf carts, snowmobiles, jet skis, boats, buses, commercial vehicles, emergency and first-responder vehicles, heavy equipment, and farm equipment c) Luxury brands: including Arrinera, Aston Martin, Bentley, Bollinger, Bugatti, Canoo, DeLorean, Ferrari, Fisker, Hennessey, Hummer, Ineos, Karma, Koenigsegg, Lamborghini, Lordstown Motors, Lotus, Lucid, Maserati, Maybach, McLaren, Noble, Pagani, Pininfarina, Polestar, Porsche, Rimac, Rivian, Rolls Royce, Saleen, Saturn, Spyker, SSC, VinFast, W Motors, Zenvo d) Custom “kit” vehicles: a vehicle that is a set of parts that a manufacturer sells, with some parts sourced from used vehicles or other vendors, and the buyer assembles into a functioning vehicle e) Gray market vehicles: any vehicle imported into the United States through a channel other than a manufacturer’s authorized distributor, and therefore does not have an express warranty that is valid in the United States f) Fully autonomous vehicles to include Alphabet Waymo, GM Cruise, and Hyundai Motional Ioniq5. g) Luxury / sporty vehicle models from allowed brands:
  1. BMW: all M Series models, XM, i8 are excluded
  • Mercedes Benz: AMG GT sedan and coupe models, SL Roadster are excluded
  • Audi: R8 Coupe and R8 Spyder, all RS models are excluded
  • Tesla: Model X & Model S are excluded
  • Chevrolet: Camaro ZL1 1LE, all Corvette C8 models are excluded
  • Cadillac: Escalade V-Series, CT5 V-Series, CT4 V-Series are excluded
  • Ford: Mustang GT350 and GT500 models, Bronco Raptor, Ranger Raptor, F150 Raptor are excluded
  • Dodge: Challenger Hellcat and Demon models, Charger Hellcat and Demon models, Durango SRT are excluded
  • Jeep: Grand Cherokee Trackhawk are excluded
  • Nissan: GT-R
Ⅱ. Generic Terms of the Appendix
  1. Effective Period of the Mutuality Plan. The Effective Period of the Mutuality Plan is 6 months, starting from the date selected by the Member when joining the Mutuality Plan, unless terminated earlier according to the Terms and Conditions.
  1. Qualifications for Applying for Authorized Loss Amount (i) In the event of an Eligible Event, Member and/or driver should take reasonable and necessary measures to mitigate against further damages resulting from the loss and notify the Administrator as soon as reasonably possible after the Eligible Event if the Member decided to file a Sharing Request under the Mutuality Program. Any additional damages caused by the failure of the Member and/or driver to protect the Planned Auto do not qualify for applying Authorized Loss Amount. (ii) At the request of the Designated TPA and/or the Administrator, the Member will make the Planned Auto available for inspection. (iii) In the event of a loss or vehicle theft, vandalism or fire, the Member shall report the incident to the local police immediately after the Member knows or should know the Eligible Event and notify the Administrator. (iv) When reporting the Eligible Event, the Member should provide information and materials such as the time, location, nature, reason, degree of loss, any witness name and address and phone number. (v) The Member shall provide a valid liability insurance policy, loss item list, relevant incurred expenses, and the driver’s license of the person who was driving at the time of the accident. (vi) If a Member and/or driver choose to settle the traffic accident by reaching a mutual agreement with the counterparty, the Designated TPA/the Administrator will contact the Member to confirm auto damage/loss details. (vii) In the event that the Planned Auto was stolen and not recovered, when the Member files for a Auto Repair Application, he/she shall provide a loss item list, relevant expense documentation, properly signed and executed vehicle title, and police report indicating the Planned Auto was stolen. (viii) If the Designated TPA and/or the Administrator cannot confirm an event’s eligibility due to the reasons attributable to Members, the event will be ineligible for Sharing by default. (ix) If the Planned Auto requires parts to be replaced, the use of alternative parts (non-OEM) will be required when reasonably available. The exception will be the use of OEM parts for safety items such as SRS (Safety Restraint Systems) to include but not limited to airbags, clocksprings, seat belts, and tensioners. Alternative parts must first be acquired through the contracted national alternative parts supplier, then from other alternative parts suppliers if the contracted alternative parts supplier does not have the part in stock or cannot provide the part in a timely manner. Alternative parts must have certifications such as CAPA-certified, if the designation applies to the specific part.
  1. No commitment All activities undertaken by the Administrator and the Designated TPA, including but not limited to coordinating the handling of Eligible Events, investigating accidents, assessing losses, engaging in litigation, explaining and communicating about the event, requesting certificates and materials from the Member, and offering professional advice to the Member, do not represent any obligation or commitment on the part of the Administrator and/or the Designated TPA to make Sharing Contributions to Members.
  1. Auto Transfer During the Effective Period of the Mutuality Plan, if the Planned Auto’s title transfers to others, the Member shall notify the Administrator within 72 hours, the Member’s rights under the Mutuality Plan are terminated immediately. If a Member withdraws from the Mutuality Plan and wants to rejoin, then he/she shall initiate a new application.
  1. Eligible Event. Events or incidents meeting the following criteria are eligible to apply for Sharing Contributions from One Llama: (i)The damage occurs to a vehicle listed in the Mutuality Plan (iv) When reporting the Eligible Event, the Member should provide information and materials such as the time, location, nature, reason, degree of loss, any witness name and address and phone number. (ii)The incident takes place during the Effective Period of the Mutuality Plan and is reported to the Administrator within 30 days of its occurrence (iii)The driver involved in the incident, if any, must be the Member, a Listed Driver (v) The Member shall provide a valid liability insurance policy, loss item list, relevant incurred expenses, and the driver’s license of the person who was driving at the time of the accident. (iv)The loss on the Planned Auto must result from an unintentional incident that leads to sudden, direct, and accidental damage, including: (vi) If Member and/or driver choose to settle the traffic accident by reaching a mutual agreement with the counterparty, the Designated TPA/the Administrator will contact Member to confirm auto damage/loss details. (vii) In the event that the Planned Auto was stolen and not recovered, when the Member files for a Auto Repair Application, he/she shall provide a loss item list, relevant expense documentation, properly signed and executed vehicle title, and police report indicating the Planned Auto was stolen. (a) Overturning or colliding with another car or object (b) Natural disasters such as hurricanes, hail, floods or wildfires (c) Theft, vandalism, or fire (d) Windshield damage (f) Transportation expenses incurred due to the loss of vehicle usage resulting from any of the above events.
Ⅲ. Detailed Provision
  1. Exclusions and Conditions Losses arising from any of the following scenarios will not qualify for Sharing Contributions from Mutuality Program: (i)Excluded damage and losses: (a)Existing damage: damage that exists before the occurrence of the incident (b)Loss of personal items such as cash, clothes, phones etc. (c)Loss of detachable items such as tape, wire, CD player, media devices, radar, laser detector ect. (d)Loss on Custom Parts or Equipment (e)Non-accident related tire loss, such as flat tires or worn out tires (f)Any liability assumed under other contract or agreement (g)Normal wear and tear, decay or corrosion. Parts malfunction, quality defect, mechanical or electrical breakdown or failure (h) Losses caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that loss results from an eligible theft incident (i)Trailers when used for business or commercial purposes with vehicles other than private passenger, farm or Utility Autos (j)Damage to a vehicle involved in, or in preparation for, any type of racing, speed contests, demolition events, stunting activities, driver training, or skill events (k)Without prior approval from the Administrator, damage and losses not inspected by the Administrator, or not repaired by the designated body shops pre-selected by the Administrator (l)Only specific parts or attachments of the vehicle are stolen or vandalized, rather than the entire vehicle (m)The Depreciation resulting from market price fluctuations or repair (ii)Loss or damage resulting from: (a)War, military conflicts, terrorist acts, riots, Contamination (including radiation), nuclear reactions and exposures, or explosions, as well as any resulting fires, radiation, or Contamination (b)Biochemistry attack or exposure to biochemical substance (c)Any governmental, legal or other action to return an auto to its legal, equitable, or beneficial owner, or any claiming an ownership interest in the vehicle (d)Destruction, impoundment, confiscation, or seizure of the vehicle by government or civil authorities, due to its use in illegal activities (e)A third party which is liable to compensate the Member’s loss or damage (f) The acquisition of a stolen auto (g)The operation of a Non-owned Auto or Temporary Substitute Auto that is designed for use principally off public roads and that is not registered for use on public roads (iii)The Member, the Listed Driver or the Permissive Driver has any of the following behaviors or situations： (a)intentionally causes the incident, destroys or stages the accident scene, falsified evidence after the incident, or to obtain improper benefits through deceptive measures (b)Traffic Hit and Run after the incident (c)Drive under the influence of alcohol, drugs or controlled substances at the time of incident (d)Unlicensed, or has a driver’s license that is suspended, revoked or canceled at the time of incident (e)Fails to notify the Administrator in a timely manner, making it difficult to determine the nature, cause, and extent of the damage (f)Intentionally provides false, invalid, incomplete or omits key information when enrolling in the Mutuality Program including addresses, annual mileage, Listed Drivers, Permissive Drivers, non-personal use etc. (iv)The Planned Auto has any of the following conditions at the time of incident: (a)is withheld, seized or confiscated (b)is being repaired, maintained or refitted (c)is used for illegal activities due to the intention or gross negligence of the Member or the driver (d)is overloaded: the vehicle exceeds its maximum occupancy limit as specified by safety regulations or the manufacturer’s guidelines (e)is used to carry persons or property for compensation or a fee, including, but not limited to, pickup or delivery of food or groceries. Unless clearly reported as a ride-sharing member at the time of joining (f)was sold, transferred, refitted, installed with new devices or changed the usage without notifying the Administrator (g)Vehicle registration is expired or canceled (h）fails to take necessary and reasonable preventive actions which caused further damage.
  1. Limit of Authorized Loss Amount. The Limit of Authorized Disbursement Amount will be the lesser of the: (a) the amount of protection for the Plan purchased (b) Actual Cash Value of the Planned Auto at the moment of incident. Actual Cash Value shall be determined by the authorized third party based on market fair price, taking into consideration depreciation and physical condition; or (c) The amount necessary to repair or replace the damaged property to restore the Planned Auto to pre-loss condition. If a repair or part(s) replacement results in better than like kind and quality, Betterment may be applied to that amount. (d) The personal effects arising out of one occurrence is $0 — loss of personal property is not eligible for Sharing Contribution. (e) To a Trailer not owned by the Member is $500.
  1. Limit of Authorized Transportation Assistance Amount (a) Maximum limit: $40 per day for no more than 30 days, with a maximum of $1,200 (b) For drivable Planned Auto, Transportation Assistance will be provided for the days starting from the day the Planned Auto is sent to the Auto Repair Body Shop for repairs until the day the Planned Auto is ready for pickup, not to exceed the maximum limit. (c) For non-drivable Planned Auto, Transportation Assistance will be provided for the days starting from the occurrence of the Eligible Event until the day the Planned Auto is ready for pickup, not to exceed the maximum limit. (d) The rental car should only be driven by approved designated drivers on the Llama plan.
  1. Handling of Eligible Event (i) After occurrence of the Eligible Event, the Administrator shall provide the service as specified in these Terms and Conditions. The Administrator,acting as the representative of the Members, introduces the service providers to manage incidents. Certain service providers have direct contractual relationships with the Members concerning Authorized Sharing Amount receipt and payment, towing and recovery, and etc. The Administrator is only responsible for entering framework agreements with service providers but will not take any obligations and liabilities towards the services and the services shall be directly provided by the service providers to Members. The service providers include but are not limited to the Auto Repair Body Shop, towing and recovery company, and the Payment Processor. (ii) The damaged Planned Auto suffered Eligible Event shall be repaired by taking best efforts. Members shall apply for Authorized Loss Amount before repair. For those Members who repaired the Planned Auto before applying for the Authorized Loss Amount, Members are entitled to reject the Authorized Loss Amount. (iii) The salvage of the Planned Auto shall be recycled by the service provider. Members shall support the service provider accordingly, including without limitation to salvage parts recycle, salvaged auto auction and demolition. (iv) The loss of the Planned Auto shall be calculated as below: (a) Total Loss Authorized Loss Amount of the Total Loss Event = Limit of Authorized Loss Amount less any compensation amount obtained from third party and less the Out-of-Pocket Expenses and plus Authorized Transportation Assistance Amount (if any). The Authorized Loss Amount of the Total Loss Event will be disbursed to the Member who suffered Eligible Event. For the Planned Auto under the Total Loss Event, Members should work with service providers to dispose of the salvage. The auction amount or the discounted portion, after deducting advance charges and administrative fees, belong to the Administrator and the Administrator shall contribute the amount to the Designated Account to offset the Authorized Sharing Amount of a Sharing Cycle. For the Total Loss Event arising out of an auto theft, if the Planned Auto is recovered at a later date, the Administrator shall subject the Planned Auto to auction. The funds thus obtained shall be contributed to the Designated Account to offset the Authorized Sharing Amount of a Sharing Cycle. (b) Partial Loss The partial loss of the Planned Auto and the relevant Authorized Loss Amount shall be determined by the Administrator and paid within the Limit of Authorized Loss Amount. Authorized Loss Amount of the partial loss = Actual loss amount less any compensation amount obtained from third party and less the Out-of-Pocket Expenses and plus Authorized Transportation Assistance Amount (if any). The Authorized Loss Amount of the partial loss will be paid to the Auto Repair Body Shop. Auto Repair Body Shop name list shall be provided on One Llama Platform. (c) Towing and Recovery fees If the recovered property contains any property out of the scope of the Mutuality Plan, the Member shall apply for Sharing Contribution according to the ratio of the property within the eligibility of the Mutuality Plan to the total recovered property. The towing and recovery fee below the Limit of the Authorized Loss Amount will be paid to the service provider according to the procedure described in this One Llama Program.
III. Glass Claims Policy Flat Rate Deductible for Glass Claims
A flat rate of $100 per incident is the overall deductible for glass claims only.
Member Responsibility: The member will always be responsible for the first $100 of any new incident reported. This applies to all plans on the platform. Plan Coverage: For any claim related to glass, the member is responsible for the first $100, after which One Llama will cover the remaining costs up to the claims limit of the chosen plan. Glass Claims vs. Collision Claims
Glass Claim: A glass claim is considered a comprehensive issue—such as damage from an act of nature or a windshield chip occurring while driving. Collision Claim: If a glass claim results from a collision or is caused by another party, it will be treated as a collision claim, not a glass claim. Exceeding Coverage Limits
If the cost of the glass claim exceeds the total value of your glass coverage, you have the option to: Pay the difference out-of-pocket, or Convert the claim into a collision claim, in which case you would pay your collision deductible and lose all pledge funds. Additionally, a collision claim would be filed against you. Claims Reporting & Handling
All glass claims must be reported to our third-party administrator (TPA) and will be handled accordingly. Driven Claims is our nationwide vendor for all glass claims, and we reserve the right to use CAPA-certified glass replacement parts. Glass claims can be handled either at your home or at a repair shop, depending on the circumstances of the claim. Mobile repairs are standard for glass-related incidents.
Claim Reporting and Reimbursement
One Llama will not pay or reimburse for any glass claim unless it has been previously reported or occurs during an uncontrollable emergency requiring immediate attention. If a claim is made under emergency circumstances, all documentation supporting the incident will be required. Glass Coverage by Plan
Diamond Plan: Total Glass Coverage = $5,000
Gold Plan: Total Glass Coverage = $2,500
Silver Plan: Total Glass Coverage = $1,250
Bronze Plan: Total Glass Coverage = $750
GEM Plan: Total Glass Coverage = $450
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