Shopee Phone Purchase Risk & Gadget Protection Decision Calculator

⚙️ Purchase Parameters

Phone Price (PHP ₱) Default: ₱24,999

Gadget Protection Rate Typical rate ~7% (3rd-party insurer)

Seller Classification

Courier Handling & Transit Risk

Will record continuous unboxing video with waybill

Mandatory Proof Protocol (Shopee PH Community Advice)

Clear close-up video of waybill, tracking number, and unbroken pouch seals before opening.
One uninterrupted video take: opening bubble wrap, phone box seal, and inspecting unit IMEI.
Powering on the screen and testing touchscreen / charging before clicking "Order Received".

⚖️ Decision & Statutory Coverage

Gadget Protection Fee ₱1,749.93

Composite Risk Score 28 / 100

Purchase Risk Exposure Low to Moderate (28/100)

Statutory Legal Protection (RA 7394):

Protected by Shopee Mall Return/Refund policy & Consumer Act of the Philippines

Under Philippine DTI e-commerce rules, sellers and couriers carry legal custody of items in transit. Third-party gadget insurance is strictly optional and mainly covers post-delivery user accidents (cracked screens, water immersion) after the return window closes.

Scenario Resolution Matrix

Scenario	Shopee Return/Refund	Gadget Protection
Lost / Stolen in Transit	100% Refund	Not Needed
Parcel Swapped / Empty Box	Covered w/ Video	Requires Police Blotter
Defective Unit (DOA)	Direct Return / Replace	Directs to Warranty
Drop Damage Month 3	Not Covered	Covered (Deductible Applies)

Durable Assessment Summary (JSON / TXT Export)

{ "calculated_protection_cost": 1749.93, "recommended_decision": "Skip Protection / Rely on Mall Guarantee & Unboxing Video", "risk_score": 28, "statutory_coverage": "Protected by Shopee Mall Return/Refund policy & Consumer Act of the Philippines" }