the fact it says "at XFX's discretion" means everything written after this means nothing. XFX can choose to RMA your card or just laugh at you, according to XFX anyway. placing of commas dont seem to matter to XFX.
This warranty is limited to the repair and/or replacement, at XFX's discretion, of defective or nonconforming Product, and XFX shall not be responsible for the failure of the Product to perform specified functions, or any other non- conformance caused by or attributable to: (a) any misapplication or misuse of the Product; (b) failure of Customer to adhere to any of XFX's specifications or instructions; (c) neglect of, abuse of, or accident to, the Product; or (d) any associated or complementary equipment or software not furnished by XFX.
so you buy the card in noth america, change the cooler, 9 months later the card artifacts, you send the card away thinking all is well then find they deny you because the cards factory cooling was removed.
XFX's liability under the Double Lifetime Protection is limited to the repair, or, at XFX's discretion, the replacement of the portion(s) of the Product that are found to be defective in material or workmanship. XFX reserves the right to claim shipping fees as well as a service charge* for any incomplete or modified Product that is returned and that requires repair or replacement, or when the Owner is not entitled to any coverage under the XFX Double Lifetime Protection.
* Service charge is variable based upon actual material costs to repair or replace missing or modified parts to return them to original factory condition.