Would someone put their guarantee in laymens terms--the way I read it--person has more obligations than company.:shrug:
000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee
If you or your minor child who is enrolled in the ChildSecuresm upgrade feature under ProtectMyID.com? (hereinafter, collectively, "you" or "your") become a victim of Identity Theft (as defined below) due to a failure of the ProtectMyID.com<SUP>TM</SUP> product to provide the services identified in Section 7 below, ConsumerInfo.com, Inc. (hereinafter "we", "our" or "us") will reimburse you for certain Identity Theft Expenses (as described in Section 3, below) subject to the terms and conditions of this Guarantee. For purposes of this Guarantee, "Identity Theft" means that your name, address, Social Security number, credit card, debit card or other personal identifying information was lost, stolen or was used without your knowledge or approval to commit fraud or other crimes. The maximum amount that we will pay you is $1,000,000 for Identity Theft Expenses as a direct result of an Identity Theft.
- Guarantee Period:Under the $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee, we will reimburse you solely for Identity Theft Expenses you incur as a direct result of an Identity Theft that occurs while you are actively enrolled in and using the above listed product and are a member in good standing ("Guarantee Period").
- What You Must Do: During the Guarantee Period, you must take an active role in protecting yourself against Identity Theft by using ProtectMyID.com<SUP>TM</SUP> as described below. To be eligible to seek and retain reimbursement under this Guarantee, you have an obligation to report lost or stolen credit or debit cards, review your credit report and any email or other notification we may send you and if, upon your review, you observe suspicious activity (including, but not limited to credit cards, debit cards or loans you did not apply for, credit inquiries you did not authorize, etc.) and/or suspect an Identity Theft, you must:
- Report lost or stolen credit or debit cards to us within two (2) days of becoming aware that a credit or debit card has been lost or stolen so that we can cancel your lost or stolen credit or debit cards. If we are unable to cancel your lost or stolen credit or debit card, then you must notify your debit or credit card issuer within five (5) days of notifying us;
- File a police report with the relevant police authority within the earlier of thirty (30) days from (i) the date you received such email or other notification from us or (ii) the date that you first had knowledge of an Identity Theft;
- Report the suspected Identity Theft to us within the earlier of thirty (30) days from (i) the date you received such email or other notification from us or (ii) the date that you first had knowledge of an Identity Theft. You can contact us Monday-Friday, 6:00 a.m. to 6:00 p.m., Pacific Time at 1-866-960-6943;
- Place a fraud alert with Experian, Equifax and TransUnion within thirty (30) days from the date you had knowledge of an Identity Theft (to learn more about fraud alerts or to place a fraud alert on your Experian credit report go to www.experian.com/fraud);
- Work directly with us to mitigate and reduce your liability and pursue all sources of potential reimbursement and submit all documentation relating to the Identity Theft, including any resolution of any requests for reimbursement from all sources. You agree to assign your right to us to seek and recover funds reimbursable under this Guarantee. You further agree to reimburse us in the event you obtain recovery of any amounts paid by us hereunder. For example, if we pay a direct expense under this Guarantee to you or on your behalf and you later recover the amount paid to you or on your behalf, then we are entitled to receive, retain or recover the amount paid to you or on your behalf. You must provide all reasonable and necessary assistance to us in our recovery and reimbursement efforts; and
- You agree to pay and/or reimburse us for any amount paid to you or on your behalf under this Guarantee due to your misrepresentation, as defined in Section 4, below, in connection with an Identity Theft.
- What We Will Do: Under the $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee, we will reimburse you up to $1,000,000 solely for the following Identity Theft Expenses incurred as a direct result of an Identity Theft that occurs during the Guarantee Period:
- Stolen Funds: Funds directly stolen from you or charges that you are liable for, in each case, that are related to any credit account that is reported (or should have been reported) on any of your Experian, Equifax, or TransUnion credit reports that are provided with the product you receive from us, provided that you assign any rights you might have to us for recovery or reimbursement as further provided below;
- Unauthorized Charges: Unauthorized charges that you incur as a direct result of lost or stolen credit or debit cards that meet all of the following three (3) requirements:
- You must have reported lost or stolen credit or debit cards to us;
- Such unauthorized charges must have occurred during the Guarantee Period; and
- Your card issuer is holding you personally liable for such unauthorized charges and your card issuer is not legally liable for such unauthorized charges.
- Legal Expenses: Reasonable and necessary attorney fees or court costs associated with defending any suit brought against you by merchants, financial institutions or other credit grantors or their collection agencies that relate to credit accounts that were wrongfully opened in your name as a result of Identity Theft, or the removal of any criminal or civil judgment wrongly entered against you that relates to a suit brought against you by a credit grantor based on an account wrongfully opened in your name as a result of Identity Theft. You must obtain our advance written consent to your choice of any attorney and/or legal counsel, and we reserve the right to select such attorney and legal counsel. You must forward all attorney invoices to us on a current basis;
- Lost Wages: Actual United States wages or salary you lose as a direct result of time off work taken by you to report and/or resolve an Identity Theft;
- Miscellaneous: Loan application fees, long distance telephone costs, mailing and postage costs, costs of having affidavits or other documents notarized that relate to you reporting and/or resolving an Identity Theft; and
- Private Investigators: Any fees or costs associated with the use of any investigative agencies or private investigators that are necessary for reporting, resolving or recouping losses incurred as a result of an Identity Theft. You must obtain our advance written consent to engage a private investigator, and we reserve the right to select such private investigator in our reasonable discretion. You must forward all private investigator invoices to us on a current basis.
(collectively, "Identity Theft Expenses").
- What We Will Not Do: We will NOT reimburse you for any expenses, damages or losses that are not expressly described in Section 3 above, including without limitation the following types of expenses, damages or losses you incur in connection with an Identity Theft:
- Any expense, unauthorized charge, damage or loss incurred by you from an Identity Theft if you fail to comply with all obligations, requirements, terms and conditions of this Guarantee;
- Any expense, unauthorized charge, damage or loss due to any act of theft, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, or by any of your authorized representatives, whether acting alone or in collusion with you or others (collectively, your "Misrepresentation") and you expressly agree to reimburse us for any expense, unauthorized charge, damage or loss due to your Misrepresentation;
- Any expense, unauthorized charge, damage or loss incurred by you from an Identity Theft that did not occur during the Guarantee Period;
- Any expense, unauthorized charge, damage or loss due to your failure to report lost or stolen debit or credit cards to us;
- Any expense, unauthorized charge, damage or loss of any type for which a credit or debit card issuer, credit or debit card processor, bank, creditor, insurer or other third party is legally liable (excluding any company or agency contracting with us to provide products in connection with a data loss);
- Any expense, damage or loss that relates to any account that is NOT reported on any of your Experian, Equifax, or TransUnion credit reports that are provided with the product you receive from us, unless such account should have been reported on any such credit report;
- Any expense, unauthorized charge, damage or loss arising from the theft or unauthorized or illegal use of your business name, "d/b/a," or any other method of identifying your business activity;
- Any expense, unauthorized charge, damage or loss due to bodily injury, sickness, emotional distress or breakdown or any other medical condition, including without limitation, lost wages or salary; and
- Any expense, unauthorized charge, damage or loss due to the termination of your employment or separation from your employment, whether temporary or permanent, for any reason
- How To Request Reimbursement: To request reimbursement under the $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee, you must contact us Monday-Friday, 6:00 a.m. to 6:00 p.m., Pacific Time at 1-866-960-6943 to obtain an Identity Theft Request Form. To receive reimbursement, you must submit the following documentation to one of our Fraud Resolution Representatives, in accordance with the requirements described in Section 2 above: (a) a completed and signed Identity Theft Request Form; (b) proof that a fraud alert was placed with either Experian, Equifax or TransUnion; (c) if applicable, a copy of any settlement agreement reached by each party (creditors, collection agency, banks, etc.) involved with an Identity Theft; (d) a copy of a police report from your local jurisdiction and provide proof that such police report was filed; (e) copies of all receipts, bills, pay stubs, court documents and other records that support the Identity Theft Expenses incurred by you.
- Our Right To Terminate $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee:: We expressly reserve the right to change the terms of, terminate and discontinue offering the $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee at any time in our sole and complete discretion. We will continue to honor the $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee for an Identity Theft that occurred prior to any termination of the $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee.
- THE PROTECTMYID.COM PRODUCT PROVIDES THE FOLLOWING SERVICES: Depending on the ProtectMyID.com<SUP>TM</SUP> product services that you have selected and paid for during the Guarantee Period, this product includes:
- ProtectMyID.com<SUP>TM</SUP>
- Experian? Credit Report
- Alerts
- Lost Wallet: Debit and Credit Card Cancellation
- Fraud Resolution Assistance
- InternetScan: We will search the internet for your social security number and credit or debit card numbers that you provide to us. We will send you an alert if your social security, credit or debit card numbers are found.
- On-line and Off-Line Membership Fulfillment
- $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee
- Optional ChildSecure<SUP>SM</SUP> Upgrade (for an additional charge)
- ProtectMyID.com<SUP>TM</SUP> with ChildSecure<SUP>SM</SUP>: If you have enrolled your minor child or minor children in ChildSecure, the ChildSecure feature provides:
- Experian credit monitoring for the presence of a child credit report or changes to an existing child report
- Fraud Resolution Assistance
- Monitoring for your additional minor children for no additional cost
- $1,000,000 ProtectMyID.com<SUP>TM</SUP> Product Guarantee
ChildSecure<SUP>SM</SUP> does not: provide three (3) bureau credit monitoring (Experian only), internet scanning, or protection for lost or stolen credit or debit cards and is not available for offline fulfillment members.
The $1,000,000 ProtectMyID.com<SUP>TM</SUP> product guarantee is not offered, applicable or available to residents of the state of New York.
Version 2.0
