Understanding Frontpoint’s User Agreement
You’ve finally figured out what alarm company you want to protect your home. You’ve done the research, read our explanation of Frontpoint’s advantages, made phone calls and placed your order with Frontpoint. Now it’s time to sign Frontpoint’s monitoring agreement.
Why Do I Have to Sign a Contract?
When it comes to securing your home with a monitored alarm system, every home security company will require you to sign a contract. At the end of the day, no single alarm system can completely prevent break-ins from occurring. Alarm systems were designed as a deterrent (first and foremost) and ultimately as a first alert and response system to provide police and medical assistance if something terrible does happen. Because of this, all alarm companies require a signed agreement that helps protect both you and them in the eyes of the U.S. judicial system.
Frontpoint is no different.
To help you understand the Frontpoint user agreement, we’ve summarized some of the basics and provide detailed explanation of some of the legal terms used.
Basic Info- Important Points
Frontpoint’s home security monitoring agreement is pretty straight forward. If you don’t like to read contracts, you should, at the very least, verify all of the information you provided when placing your order. If one of Frontpoint’s security consultants assisted you during this process, you have to keep in mind they are human and, as we all know, humans sometimes make mistakes.
Verify Your Information Before You Sign
- First and Last Name: Check for spelling errors
- Address: This is the address used when dispatching police – make sure it’s correct.
- Upfront Sales Charge: Located in section #1 (Frontpoint does not charge for installation or activation)
- Monthly Charges: Located in section #2. Frontpoint has 3 different monitoring service plans with different rates, make sure the right plan is in your contract.
- Length of Agreement: Below section #2, you’ll see a box. Box A outlines the length of contract. Depending on what you selected with your consultant, this will be for either a 12 or 36 month period.
After verifying the above information, you are more or less safe to sign your agreement. But here are some additional conditions included in the service contract:
Important Monitoring Agreement Sections
Total Payments (Section #2)
Some people experience “sticker shock” when they see such a large number on their contract. And while it may look like a big number, it’s just the length of your agreement multiplied by your monitoring rate. For example, if you selected Interactive Monitoring, you would see the following on your agreement: 36 months x $44.99 = $1619.64
Late Charges (Section #2)
The Bad: Like forgetting to pay your credit card bill, Frontpoint charges 1.5% in interest per month for any outstanding payments. In addition, they charge a 5% administrative fee for any late payment.
The Good: You can setup automatic payments for your monthly monitoring with Frontpoint security through either a credit card or bank account so you never have to worry about a missed or late payment.
Automatic Renewal (Section #3)
Almost all alarm monitoring contracts automatically renew. Frontpoint isn’t legally allowed to shut off your service without providing 30-days’ advance notice or receiving explicit consent from you first. But while most companies’ contracts automatically renew for a year or longer, Frontpoint security renews on a month-to-month basis after the initial term. Forgot to cancel after fulfilling your contract? Just call and finish your agreement at the end of the month!
Trial Period (Section #3)
You have 30 days from the day you signed your contract to test your new system. If you decide to return the system during this 30 Day Risk Free Trial period, you will receive a full refund (including any monitoring charges you incurred during the trial period). After this period is up you are subject to their standard early termination rate.
Returning/Early Termination Outside of Trial Period (Section #3 and Section #14)
If you decide to cancel service during your agreement, you agree to pay 80% of the remaining payments on your contract. That means if you have 10 months left, you pay for 8 of them.
Example: 8 months x $44.99 = $359.92.
There is a clause in the contract that says Frontpoint may allow you to return your system for a $150 restocking fee (instead of paying 80%), but this is at their sole discretion.
Note: This is standard in the alarm industry. Just like the cell phone industry, you receive your equipment at a price substantially lower than what it is truly worth. If you don’t finish out your contract, Frontpoint loses money.
Warranty (Section #7)
This section looks dauntingly long, but in actuality is very simple. If you have a faulty piece of equipment, Frontpoint replaces it free of charge (including shipping) for 3 years following the day you activate your system. If you don’t activate your system within 30 days of purchase, the 3-year timetable starts on the 30th day. Excluded Equipment: Batteries, wiring (only applicable in hardwired systems), light bulbs and L.E.D’s
Why Frontpoint Won’t Replace Your Equipment: The contract has a long list, but to summarize:
- An intruder/burglar breaks your equipment: Your homeowner’s or renter’s insurance company should cover the replacement cost.
- You are negligent: You throw the motion sensor or put it in the microwave for 2 minutes on high.
- Act of God: Flood, lightning, fire etc … (Your homeowners’ insurance may cover you for damage caused by these circumstances.)
Standard Home Security Contract Sections
Limited Liability (Section #5)
As we discussed earlier, no alarm company can guarantee a break-in will not occur when using their service. The system is a deterrent and your first line of defense. This section explains that if an unfortunate event does occur and there is loss of property or personal injury, Frontpoint security can only be found liable up to $1,000. The alarm system you are purchasing is not an insurance policy. Your homeowner’s or renter’s insurance should cover the cost of any damage, regardless of Frontpoint’s involvement.
Indemnification (Section #6)
Related to liability, this ensures that if you do make a claim with your insurance company, your insurer or any other third party may not turn around and attempt to make a claim against Frontpoint. There are a few confusing lines in this section that excludes negligence on the part of an employee or representative that is physically in your home, but this doesn’t apply since Frontpoint doesn’t send anyone out to your home. (They are required by law to include this language in the contract.)
Waiver of Jury Trial / Arbitration (Sections #19 and #34)
These sections say any claim against Frontpoint Security must be done in arbitration or small claims court. This is used to reduce incurred court costs to you and Frontpoint and help resolve any claims in a timely manner. If your state prohibits the jury trial waiver, this doesn’t apply to you.
Monitoring Service (Section #8)
There is a very confusing line in this section. Summarizing the first sentence, Frontpoint will try to notify you and the authorities when an alarm event occurs. The second sentence says:
“However, Company will not notify anyone if it reasonably believes that notification is not required.”
Now for the million-dollar question: How could Frontpoint reasonably believe no notification is required if your alarm goes off?
The answer makes a lot of sense, but to understand it, you have to know how the alarm system works. Let’s say you walk downstairs at 1:45am while your motion sensor is still armed. The siren starts ringing in your ears while you run to your alarm panel (located at the bottom of your stairs) and quickly turn off the system. What Frontpoint sees is that at 1:45am, your alarm system triggered an alarm event and within seconds, the alarm was disarmed. Surprisingly, this happens pretty often, so Frontpoint will reasonably believe there is no need to notify you. If the alarm goes off for more than 30 seconds without properly being disarmed, you will receive a call. Frontpoint should disclose this when you call to activate your system.
Note: if you’re nervous about this, TEST THE SYSTEM during your trial period.
Consent to Record (Section #24)
This one tends to make a lot of people nervous. The section states that Frontpoint can record, disclose and use the contents of any communications between your alarm system and Frontpoint or you and Frontpoint (phone calls, emails, etc.. ). No, Frontpoint can’t look at your live streaming cameras while you are in your home and no, they can’t listen into your home whenever they want. What this says is they have the right to use information gathered during their normal business relationship with you for training purposes, researching your account when you have questions or concerns and when they are required to by court order.
Bottom Line On Frontpoint’s Monitoring Agreement
You should always take the time to read any contract before signing it. In terms of what you’re being held to, Frontpoint’s contract is fairly standard in the alarm industry. What they do provide are small benefits other alarm companies sometimes fail to provide:
- 30-day risk free trial period
- Month-to-month renewal
- Equipment warranty for the length of service contract
Compared to companies that give you 3 days to test the system, yearly renewal clauses and warranties that are voided by not strictly following a system test each month, Frontpoint clearly looks out for their customer’s best interest. For more information on Frontpoint read out Frontpoint Security Review.
Ready to speak with Frontpoint? You can call (855) 903-7510 or submit your information via their website and a representative will reach out to you.Tags: #KnowSecurity, Frontpoint Security, Home Security, Monitoring Agreement