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" }

Fee multiplication and an authored risk classification

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Read the explanation

The saved purchase-risk tool multiplies device price by entered fee fraction. Twenty-four thousand nine hundred ninety-nine at seven percent gives seventeen hundred forty-nine ninety-three. Hypothetical thirty-five thousand gives twenty-four fifty. Bars compare fee amounts at point two pixels per currency unit. This is source arithmetic, not a current insurer quote, verified retailer product or purchase recommendation. No account or policy is queried. The default selected labels start from twenty, subtract five for mall seller, add eight medium courier and five when video is checked, giving twenty-eight. With low courier instead the same inputs give twenty-two. A hypothetical forty-eight reference is shown only as a labeled comparison at ten pixels per point. Points are authored classifications, not measured loss probabilities. Recording video and seller labels do not prove protection or actual statutory rights; coverage text remains unverified source content. The score component adds five when unboxing-video readiness is checked and forty otherwise, a thirty-five-point difference before clamp. Bars compare those components at fifteen pixels per point. The final score clamps between ten and ninety-five; some outputs use an exact fixture override. This is a heuristic, not validated fraud prediction or legal advice. Native complete stable JSON assessment and reset preserve original source labels; insurance value, refund eligibility and current policy claims remain unverified.