Terms of Service

Section 1: Definitions:

1. "Covered Member" means a person age 18 or older who has been enrolled in the ID Theft Assist Service.
2. "Domestic Partner" means anyone living in a domestic partnership with a Covered Member as a relationship between two cohabitating people unrelated by either blood or marriage, regardless of gender, who are over the age of 18, share the common necessities of life, and have resided together for at least six months prior to subscribing to our product, who share responsibility for the common living expenses of food, shelter, and medical care and are not in any marriage or domestic partnership and/or civil union with another person. In the cities and or states where domestic partnership registers are available, enrollees need to be registered in order to be covered by the family option.
3. "Family Service" means plan in which a Covered Member has enrolled for the family option and the person(s) eligible for the services described in Section 2 shall be the Covered Member; spouse or Domestic Partner; children under the age of 21 who live with the Covered Member; and children under the age of 24 who are full-time students.

Section 2: Services

1. Covered Members will have toll-free access to the multilingual ID Theft Assist (ITA) Coordination Center in Washington, D.C., 24 hours a day, 365 days a year.
2. Upon notification of an identity-theft incident, ITA will:
   • Prepare and send ID Theft Affidavit and Authorization Form to Covered Member.
   • Contact credit reporting agencies to obtain a free credit report for the member and place an alert on the Covered Member's records with the agency and to obtain a list of creditors from them;
   • Access to credit monitoring service (limited to one subscription per household)
   • Contact remaining credit agencies to place an alert on the member's records;
   • Submit Authorization Form and ID Theft Affidavit to creditors requesting cancellation of their card and an issuance of a new one;
   • If other forms of identification were stolen or missing, such as an ATM card, driver's license, Social Security card, passport and so forth, notify the appropriate bank or agency of the situation so that it may take appropriate action and reissue a new form of identification;
   • Notify local authorities of identity-theft incident and help member to obtain necessary reports;
   • On a weekly basis, until file is closed, contact the member with an updated status report;
   • Where needed, follow up with creditors to ensure that the matter has been properly handled;
   • Provide the member with an "ID Theft Emergency Response KitT";
   • Provide emergency cash advance, emergency message relay, and emergency travel arrangements to a member traveling at least 100 miles away from home;
   • Provide financial, fraud resolution, legal, and emotional assistance.

Section 3: Limitations & Exclusions

1. Coverage does not start until the first (1st) of the following month once confirmation of payment is received.
2. Any identity thefts or incidents discovered by the Covered Member prior to service effective date is ineligible for service.
3. All orders are final. If subscriber chooses to cancel during the term of the service, payment will not be pro-rated. However, cancelled service will continue until the renewal date, and at that time the service will not be renewed.
4. The services of ITA are available in most countries except Afghanistan, Somalia, Eritrea, Yemen, and Eastern Timor. ITA reserves the right to update the list of countries in which its services are not available. It is the responsibility of the Covered Member to inquire whether a country is "open" for assistance prior to his or her departure and during his or her stay. In the event a Covered Member travels in any area not listed above, ITA will endeavor to provide its services to the best of its ability.
5. ITA cannot be held responsible for failure to provide, or for delay in providing services when such failure or delay is caused by conditions beyond its control, including but not limited to labor disturbance and strike, rebellion, riot, civil commotion, war or uprising, nuclear accidents, natural disasters, acts of God, or where rendering service is prohibited by local law or regulations.