Terms of Use

Last Updated: 2/26/2025

Welcome to the Terms of Use for Park Guard, Inc. ("Park Guard," "we," "our," or "us"). These Terms of Use govern access to and use of our services, including the Parking Protection Plans, which are provided in partnership with STOW IT, Inc. and its affiliates (collectively, "STOW IT") by STOW IT customers (“Customers,” “your” or “your”).

By opting into the Parking Protection Plan during your parking reservation checkout on the STOW IT website, you agree to these Terms of Use.  If you do not agree to these Terms of Use, do not use the Park Guard services and do not opt into the Parking Protection Plan.

To review additional policies, please visit our Website Terms of Use and Privacy Policy.

1. Acceptance of Terms

By accessing or using Park Guard’s services, you acknowledge that you have read, understand, and agree to be bound by these Terms of Use.

·        Modifications: Park Guard reserves the right to update or modify these Terms of Use at any time without prior notice. Updates will become effective immediately upon posting at this link.   Your continued use of our services after changes are posted constitutes your acceptance of the revised Terms.

·        Applicability: These Terms of Use apply to all services, products, and transactions conducted with or through Park Guard including the Parking Protection Plan offered in partnership with STOW IT.

2. Insurance Products and Services

Park Guard provides parking indemnity protection to STOW IT designed to offer limited coverage for damage or theft that may not be covered by a Customer’s personal auto insurance policies.

·        Role of STOW IT: STOW IT offers its Customers the opportunity to opt into a Parking Protection Plan for which STOW IT is insured through a licensed insurance company.  STOW IT does not offer or sell insurance to Customers.  The purchase of a Parking Protection Plan by Customer is not the purchase of an insurance policy by the Customer.   

·        Coverage Limits and Terms: Coverage is subject to the specific plan details presented to you at the time of checkout.

3. Coverage Limits and Eligibility

All Parking Protection Plan offered by Park Guard are subject to defined limitations and eligibility criteria:

3.1 Coverage Limits

  • Coverage limits for each plan may vary and are presented to you at the time of purchase of your parking reservation.

  • Regardless of the damage or theft losses sustained, Park Guard will only pay you up to the plan limits shown at the time of purchase.

  • Parking Protection Plans do not have deductibles, ensuring coverage begins at the first dollar of a covered incurred loss.

3.2 Eligible Vehicle Classifications

Coverage is limited to the following vehicle types:

  • Class 1: Motorcycles (includes mopeds and scooters, 50cc or more).

  • Class 2: Passenger cars.

  • Class 3: Pickups, panels, vans.

  • Class 5: Single unit 2-axle trucks (dually, dual rear tires).

3.3 Prohibited Vehicle Classifications

The following vehicles are not eligible for coverage:

  • Buses, single or multi-axle trucks, and multi-trailer vehicles.

  • Specific vehicle classifications as outlined in Park Guard’s guidelines.

3.4 Eligible Parking Venues

Coverage applies exclusively to parking at any location where STOW IT offers a protection plan including but not limited to the following venues and in the United States only:

  • Airports (on-site or off-site).

  • Event venues such as concerts, trade shows, and fairs.

  • Hotels (on-site or off-site parking facilities).

  • Urban parking, including garages and metered street parking.

3.5 Prohibited Parking Venues

Coverage is not available for parking at:

  • Large multi-day outdoor events, such as Coachella, Burning Man, or Lollapalooza.

3.6  Ineligible Customers

Any individual who has submitted two or more paid parking claims totaling $2,000 in theft or damage protection within the last six-month period is ineligible for participation in the Parking Protection Plan and should not elect to participate in a Parking Protection Plan. 

3.7   Coverage and Exclusions

Park Guard agrees to cover damage and theft that occurs during the parking reservation and occurs at the parking facility as long as the Parking Protection Plan was purchased prior to the incident and meets all claim’s payment criteria.  Coverage is limited to the amounts of coverage elected at the time you purchased your parking reservation.

 The following are not covered under any Parking Protection Plan:

·       Damages arising from performance by STOW IT, the employees or agents of STOW IT, or employees or agents of any parking facility.

·       Damages due to the negligence of STOW IT or any parking facility.

·       Any amount of risk accepted by STOW IT in excess of the limits provided in the coverage issued to STOW IT.

·       Damage or theft of property, which was known, or reasonably should have been known, by STOW IT or you at the time the Parking Protection Plan was issued.

·       Loss or damage directly or indirectly arising out of, caused by or resulting from nuclear reaction, nuclear radiation or radioactive contamination, regardless of how the nuclear reaction, nuclear radiation or radioactive contamination may have been caused.

·       Loss or damage directly or indirectly arising out of, caused by or resulting from war, invasion, acts of foreign enemies, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalization, requisition, destruction or damage to property by or under the order of any government, public or local authority.

·       Loss or damage to any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment.

·       Any damages that occur after leaving the Parking Facility

·       Any damages that not reported within seventy-two (72) hours after leaving the Parking Facility.

·       Damage to a Customer vehicle while on the premises of a Parking Facility directly or indirectly arising out of, caused by or resulting from:

o  Flood, surface water, underground water or water that backs up through or overflows from a sewer, drain or sump pump, or accidental discharge of substances from within plumbing, heating, air conditioning or fire protection systems;

o  Fire, soot or smoke;

o  Intentional acts or omissions by a Customer or passenger when a reasonable person could have foreseen the consequence to the property;

o  Negligent acts or omissions by a Customer or passenger when a reasonable person could have foreseen the consequence to the property;

o  Illegal activity by the Customer or passenger;

o  Any animal including moths, insects, birds, rodents or other vermin;

o  Mechanical or engine failure;

o  Mold, mildew or wet/dry rot;

o  Any firearms, ammunition, stolen goods or contraband, explosives, flammables, and combustibles, including, but not limited to, improperly maintained or malfunctioning lithium batteries, portable gasoline-filled containers, explosives or other hazardous materials outside or inside of a Customer vehicle;

o  Acts of God or natural disasters, including hail, tornadoes, earthquakes or hurricanes;

o  Vandalism, riots, war, insurrection or Acts of Terrorism; or

o  Violations of rules or terms of use of the Parking Facility by Customer or a passenger in Customer’s vehicle.

·        Death, bodily injury, or personal injury or liability to any person.

·       Loss or damage resulting from unknown or mysterious disappearance or theft without evidence of intentional part removal or visible signs of destructive or forcible  entry into the locked Customer vehicle.

 3.8       Requesting Evidence of Insurance

Consumers may request evidence of STOW ITs insurance for the Parking Protection Plan  purchased by visiting www.parkguard.com/evidence-of-insurance.

  • Park Guard may take up to 10 business days to process and provide the requested evidence of insurance.

  • Forms must be completed fully and accurately to ensure timely processing of request.  Any errors or omissions in the form may delay processing.

4. Filing a Claim

To file a claim, follow these procedures:

4.1 Claim Submission

Claims must be submitted within 72 hours of leaving the parking facility.

·       Visit www.parkguard.com/file-a-claim.

·       Provide all required information, including but not limited to receipts, photos, detailed descriptions, and a police report (for theft claims). Park Guard may request additional information to determine the validity of a claim.

·       By filing a claim you agree to cooperate with Park Guard or the insurer in the handling and settling of the claim and in enforcing any right of contribution or indemnity against any person or organization who may be liable to STOW IT.

4.2 Claim Denial

Park Guard and the claim’s administrator reserves the right to deny claims if:

·        The claim fails to meet eligibility criteria.

·        Required documentation is incomplete or not timely submitted. 

·        The incident involves prohibited vehicles or parking venues.

·        The claim was subject to an Exclusion.

·        Fraud or misrepresentation by the Customer in filing the claim.

4.3 Final Decisions

All claim determinations are final and non-appealable. As a condition of receiving compensation for damages, you will be required to execute a release agreement. If you believe the quoted compensation amount does not accurately reflect the damages incurred, you may obtain an independent estimate from a licensed mechanic or body shop. The selected mechanic or body shop must provide a detailed and accurate written estimate, accompanied by proof of their business credentials, including but not limited to licenses and contact information. Stolen items related to a theft incident will be compensated at their replacement cost, subject to the limits of the applicable Parking Protection Plan.

Park Guard and the claim’s administrator reserve the right to request additional documentation or information, which you will be required to provide. Failure to submit supplementary estimates from licensed mechanics or body shops will result in no adjustment to the claim payment amount. Park Guard and the claim’s administrator retain sole discretion to amend or reject any submitted estimates and to adjust claim payments accordingly.

5. Limitation of Liability

Park Guard is not liable for:

  • Indirect, incidental, or consequential damages arising from the use of its services.

  • Losses exceeding the limits of the policy issued to STOW IT and the amount of coverage elected for the Parking Protection Plan.

6. Data Privacy

Your use of Park Guard’s services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information.

6.2 Fraud Prevention

Suspected insurance fraud shall be reported to state authorities and may result in denial of coverage and criminal prosecution.

7. Governing Law and Dispute Resolution

7.1  Governing Law

These Terms of Use  are governed by the laws of the State of Colorado.

7.2  Arbitration

Any and all disputes between you and Park Guard will be resolved exclusively through binding arbitration in accordance with the rules of the American Arbitration Association. Unless prohibited by law, arbitration will take place in Colorado.

7.3 Class Action Waiver

UNLESS PROHIBITED BY LAW, BY AGREEING TO THESE TERMS OF USE AND OPTING IN TO A PARKING PROTECTION PLAN, YOU WAIVE THE RIGHT TO PARTICIPATE IN ANY CLASS-ACTION PROCEEDING, INCLUDING LAWSUITS, ARBITRATIONS OR OTHER COLLECTIVE DISPUTES, AGAINST PARK GUARD RELATED TO PARK GUARD’S SERVICES.

8. Intellectual Property

All intellectual property, including but not limited to trademarks, service marks, copyrights, patents, trade secrets, designs, methodologies, software, data, and any other proprietary materials associated with Park Guard’s services (collectively, the "Intellectual Property"), is and shall remain the sole and exclusive property of Park Guard.  Any unauthorized use, reproduction, modification, distribution, publication, display, or transmission of Park Guard’s Intellectual Property, in whole or in part, without prior written consent from Park Guard, is strictly prohibited and may result in legal action.

9.  Severability

If any provision in these Terms of Use is determined to be invalid, illegal, or unenforceable by an arbitrator or a court of competent jurisdiction, such provision shall be severed from the Terms of Use, and the remaining provisions shall remain in full force and effect.

10. Waiver

No waiver of any term or condition in these Terms of Use shall be deemed a waiver of any other term or condition.  Any waiver must be made in writing and signed by Park Guard to be effective.

11.  Force Majeure

Park Guard shall be liable for any failure or delay in performing its obligations if such failure or delay is caused by events beyond the reasonable control of that party, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, pandemics, government actions, power outages, or other similar events.

12.Contact Information

If you have questions or concerns regarding these Terms of Use , please contact us:

Park Guard, Inc.
26268 E Long Ave
Aurora, CO 80016
Email: hello@parkguard.com