Is there a limit to the device value?

Yes. The plan covers devices up to JMD $300,000. Anything above that must be paid upfront.

Can I pay more than the required amount?

Yes! You can:

How do I make payments?

You can pay in-store, by salary deduction or by bank transfer (proof must be sent to SMS)

How will I know when my payment is due?

You’ll receive a payment schedule and also get reminders on your device.

What happens if I miss a payment?

Your device may be remotely restricted or locked. You will need to come in-store and clear all outstanding balances to regain full-access.

What happens if my phone is stolen, damaged or lost?

Our insurance program, Smart Protect, entitles you to a temporary device in some cases, but does not cover negligent loss. You would still be required to continue paying your installments.

Do I own the phone while paying?

SMS retains ownership of devices until they are fully paid off.