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INFOARMOR, INC.

TERMS AND CONDITIONS

PLEASE READ THIS ENTIRE AGREEMENT AS IT AFFECTS YOUR RIGHTS.

These InfoArmor, Inc. Terms and Conditions (also referred to herein as the “Agreement”) set forth the terms and conditions under which InfoArmor, Inc. (“InfoArmor,” “we,” “us,” or “our”) will provide identity and privacy protection, Educational Materials (defined herein), as well as any other products, features and/or any related services whether via our website, apps or Educational Materials (collectively, the “Products”) to you and, if applicable, your dependent family members (collectively, “you” or “your”) as subscribers for any such Products.

By using any of the Products, you agree to these Terms and Conditions. Further, by using any of the Products, you represent that you are a natural person 18 years of age or older, you are using the Products on your own behalf and personal accounts or on behalf of your children under 18 for whom you are their legal guardian or parent. Additionally, you represent and warrant that you are a U.S. resident, that you have provided true, accurate and correct information including, if applicable, your valid U.S. Social Security Number, in connection with your registration, and that you will only use the Products for lawful purposes and in accordance with the terms of this Agreement. Any new features included in the Products in the future will also be subject to this Agreement and may have Additional Terms (see Section H below).

Among other things, this Agreement contains a provision requiring the use of arbitration to resolve disputes, instead of jury trials, class actions or any other resolution process. This provision is in Article I(S) below and is entitled “Arbitration Provision and Class Action Waiver.”

This means that, instead of suing each other in court, the parties agree to settle disputes only by arbitration. Arbitration works differently. There is no judge or jury, and review is limited but, like a court, the arbitrator can award damages and relief and must honor the limitations contained in this Agreement.

By agreeing to arbitration, the parties understand and agree that they are waiving their rights to utilize all other available resolution processes (e.g. a court action or administrative proceeding) to settle disputes.

If you do not wish to agree to arbitration and waive your right to all other available resolution processes, you may opt out of the mandatory arbitration and class action waiver provision by notifying InfoArmor within 30 calendar days of your acceptance of this Agreement by sending a notification that includes your name, member ID, and the email address you used to sign up for the Products via electronic mail to infoarmorservices@infoarmor.com.

ARTICLE I

GENERAL TERMS AND CONDITIONS APPLICABLE TO ALL SUBSCRIBERS

A. Authorization. You authorize InfoArmor and its subcontractors and service providers to obtain, analyze, process and scan for your own personal information and, if applicable, anyone else you add to your account for whom you subscribe for any Products (as described below) under a Family Plan (as described below), including, without limitation, credit and transaction information and, if you enroll in social monitoring, information regarding usage of and behavior on social networks, and to transmit this information to you for your own use. You certify that you are the parent or legal guardian of all children under the age of 18 for whom you subscribe for any Products. You specifically grant permission to InfoArmor and its subcontractors and service providers to obtain your credit, transaction and social media information and the credit, transaction and social media information of your children under the age of 18 from third-party credit reporting companies and other third-party sources to verify your and such children’s identities and provide such credit, transaction and social media information to you. Information that InfoArmor collects from you will be treated in accordance with InfoArmor’s Privacy Statement, which you can find here: http://infoarmor.com/privacy-policy/ (“Privacy Statement”).

B. Refusal of Subscription. We reserve the right to reject any request to subscribe for any Products for any reason including, without limitation, (i) unavailability of a service in the state where you reside or other legal restrictions, (ii) your credit history, (iii) your inability to provide an Appropriate Payment Method (as defined herein), or (iv) your attempt to subscribe for any Product subject to a Coverage Cap (as defined in the Summary Description of Benefits for the Personal Internet & Identity Coverage Policy, and as made available for your review in your online account where we previously paid claims to you or on your behalf).

C. Product Enrollment. You agree to provide valid, accurate, and current personal information during registration for any Product. You understand that InfoArmor’s ability to provide certain Product features is dependent upon your provision or confirmation of valid, accurate and current information. You acknowledge and agree that you will not be able to obtain access to certain Product features if you do not properly enroll. You also acknowledge and agree that InfoArmor, its subcontractors, partners and/or service providers will not be responsible or liable for any acts or omissions related to your provision of, or your failure to provide, valid, accurate and current personal information. You may enroll yourself or you may use an authorized third-party to enroll you by having such authorized third-party provide us with your information on your behalf, together with documentation or other evidence acceptable to us that such third party is authorized to register you and provide such information on your behalf. You may enroll minor children and/or dependents in our Family Plan (described below) if you are their parent or legal guardian and have lawful authority to do so. By enrolling minor children and/or dependents, you acknowledge that this Agreement applies to them and that you agree to and accept the terms of this Agreement on their behalf. By enrolling your spouse or other family members in the Products, you are representing to us that you have their express permission to enroll such family members in the Products. You further agree and acknowledge that this Agreement applies to them and that you accept the terms of this Agreement on their behalf. However, under no circumstances may you enroll your spouse or other family members or dependents who are 18 or older into credit monitoring. Any such spouse, adult family member or adult dependent must register for credit monitoring and pass identity verification separately.

D. Family Plan. The following applies only if you have enrolled in our Family Plan. Our Family Plan provides a portal that enables a primary subscriber to send an invitation to each authorized adult family member enabling each of them to access and manage the Products by creating a separate account. If the primary subscriber does not create family innovations from within our portal, both the primary subscriber and all authorized adult family members agree to have alerts, reports, scores and other disclosures made through the primary subscriber’s account. The primary subscriber will always manage minor dependents under a Family Plan. Family member coverage extends to the following family members so long as you have identified them to us: (i) legal or common law spouse, (ii) dependent children or other dependent family members who reside with you, and (iii) dependent children, or other dependent family members who do not reside with you but who are supported financially by you. All such family members must be individually registered to be covered by our Products. Note that if you subscribe to our Products through your employer or other group, if such employer or group defines family member eligibility differently than we do, your eligible family members for our Products follows your employer’s or group’s family eligibility criteria. When you enroll minor children and/or dependents in our Family Plan, you certify that you are their parent or legal guarantee and have lawful authority to do so, and you acknowledge that this Agreement applies to them and you accept the terms of this Agreement on their behalf.

E. No Fraud Alerts; Network Limitations. You understand and agree that the Products (including any of our services that may be used in connection with the Products) do not include the placing of fraud alerts with credit reporting agencies. Additionally, you understand and acknowledge that we monitor your personal information using our network, which is composed of certain proprietary technologies and databases owned by, or otherwise licensed to, us for our use, and that not all transactions, including fraudulent transactions using your personal information, may be monitored due to limitations in the scope and breadth of our network. During the term of your use of the Products, our network and its scope may change without notice to you. You also understand that it may take up to four weeks from acceptance of this Agreement and enrollment in the Products for all related services to be fully activated.

F. No Credit Repair. We are not a credit repair organization or similarly regulated organization under applicable laws, and do not provide any form of credit repair advice. We may offer you access to your credit report and other credit-related information, but we do not offer products, advice, counseling or assistance for the express or implied purpose of repairing or improving your credit. You acknowledge that no one, including InfoArmor, may legally remove accurate and timely factual information or negative information from a credit report.

G. Mobile Alerts. InfoArmor may make certain features of the Products, including alerts, available on or through your registered mobile device. Such features of the Products may be made through push notification, SMS text message, or other mobile alert. If you choose to receive in mobile alerts through the Products, you have the obligation to lock your mobile device and otherwise protect your information contained therein. You consent to receive SMS messages from InfoArmor in the quantity, frequency, and types delivered through the Products. You are responsible for any fees or other charges (including, where applicable, roaming and data charges) that your wireless carrier may charge for any related data or message services. You understand and agree that InfoArmor is in no way responsible for, and expressly disclaims any and all liability related to, the failure of a mobile alert to be actually, accurately, timely, or fully delivered to you for any reason whatsoever, including, but not limited to, technical errors or other problems with our systems, those of our subcontractors or service providers, those of your mobile service provider, any other third-party company, or issues related to your mobile account or device.

SMS texts

  1. When you sign up for InfoArmor, you consent to receiving mobile SMS messages, which help you log into our Services and allow us to notify you when there is activity on your monitored accounts that you should review.

  2. You can cancel the SMS service at any time. Just text "STOP" to the short code.

  3. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 1-800-789-2720.

  4. Carriers are not liable for delayed or undelivered messages.

H. Modification of this Agreement and Products; Additional Agreements; Additional Terms; Revocation of Consent to Electronic Modifications. We reserve the right, at our discretion, to change or supplement the terms of this Agreement at any time by posting a new version on this website, www.infoarmor.com/terms-conditions/ (the “Site”) or by otherwise notifying you of the revised Agreement. If you do not agree to this Agreement as modified, you must stop using the Products. Your continued use of the Products following the posting of any changes to this Agreement constitutes your acceptance of those changes. You may withdraw your consent to receive modifications to this Agreement or Additional Agreements in electronic form by emailing us at infoarmorservices@infoarmor.com or calling us at 1-800-789-2720 and we will send revisions to this Agreement and Additional Terms in printed form to the most current address that we have for you in our records.

We reserve the right to change, modify, expand, discontinue, or retire any Product, or any feature thereof, at any time.

If you ask us to assist you with the restoration of your identity following an event of identity fraud, we may need to send you a package of documents (the “Additional Agreements”) which you will need to sign and return to us before we can take action to restore your identity.

If you enroll in certain Products, you may be subject to the terms and conditions as well as privacy statement of a subcontractor or service provider who is providing that Product (“Additional Terms”). The Additional Terms are agreements between you and such subcontractors or service providers. You will be provided the link to and asked to agree to such Additional Terms when you enroll in the applicable Product.I. Personal Information Privacy. We will undertake to protect your personal information, including your first name, last name, address, U.S. Social Security Number, date of birth, and any information provided to activate monitoring using methods that are consistent with industry best practices, as set forth in our Privacy Statement. However, you authorize InfoArmor to provide your personal information to our subcontractors and service providers to receive and use this information as InfoArmor deems reasonably necessary in the course of performing Product enrollment or any other action taken in connection with providing the Products. Please read our Privacy Statement. By using any of the Products, you are also accepting our Privacy Statement.

J. Personal Conduct. You understand and agree that you have an obligation to act responsibly to protect your personal information in a reasonable way. You further understand and agree that you have a duty not to allow the reckless disclosure or publishing of your U.S. Social Security Number, credit card or bank account numbers, and/or similar personal information to persons who may reasonably be expected to misuse such information (e.g., “phishing” scams, unsolicited emails, etc.). You also agree to keep and protect your account login information for your subscription for the Products from unauthorized use. Should you breach your obligation to protect your account login information, InfoArmor may terminate your use of the Products without advance notice to you.

K. Intellectual Property. InfoArmor retains sole and exclusive right, title and interest in and to our Products and any modifications made using the Products, as well as all proprietary inventions and technology associated therewith (whether or not patentable), and all of our trademarks, copyrights, service marks, designs, logos, URLs, and trade names that are displayed in connection with our Products (collectively, the “Marks and Copyrights”). All of our proprietary inventions and technology, and all promotional materials, advertising, websites and other company marketing methods or venues are protected by various intellectual property laws, including, but not limited to, trade secret, copyright, and trademark laws. Any use of our Marks and Copyrights, or any other proprietary intellectual property, is strictly prohibited without our prior written consent. From time to time, we may provide educational materials (as a larger group of information such as our Elder Fraud Center or as individual articles or alerts) on our website, apps, via email like our SecurityPro alerts, or other distribution methods (collectively, “Educational Materials”). The Educational Materials are intended for your personal, noncommercial use. The Educational Materials are protected by copyrights, trademarks, and other intellectual property rights under U.S. laws. You may not modify, copy, reproduce, publish, transmit, create new or derivative works from, distribute, perform, or display the Educational Materials in whole or in part.

L. Linking Policy; Third Party Promotions. In connection with the Products that we offer, we have established Internet links from our website to select news media outlets, the Federal Trade Commission, and other relevant websites. These linked websites are not under our control, and we are not responsible for their content or delivery. Our use of such links does not constitute or imply our endorsement or guarantee of the products, services, information or recommendations provided by any such websites. In addition, these websites may have privacy policies that are different than ours, and that may provide you less security for your confidential information than we do. If you access any linked third-party website, you do so at your own risk. We disclaim all liability with regard to your access to and use of such linked websites. We or our business partners may present advertisements or promotional materials on or through the site. Your dealings with, or participation in promotions of, any third-party products or services on or through the site are solely between you and such third party and your participation is subject to the terms and conditions associated with that advertisement or promotion. You agree that InfoArmor is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.

M. Liability Limitations. TO PROVIDE CERTAIN SERVICES ASSOCIATED WITH OUR PRODUCTS, WE SUBCONTRACT WITH, OPERATE UNDER LICENSES FROM, AND RECEIVE INFORMATION FEEDS FROM, CERTAIN SUBCONTRACTORS AND SERVICE PROVIDERS. WE ARE NOT RESPONSIBLE FOR (I) THE ACCURACY, COMPLETENESS, AND/OR VALIDITY OF ANY PRODUCTS, SOLUTIONS OR INFORMATION PROVIDED TO US BY ANY OF OUR SUBCONTRACTORS, SERVICE PROVIDERS AND/OR ANY OTHER THIRD PARTIES (INCLUDING, WITHOUT LIMITATION, CONSUMER REPORTING AGENCIES OR ANY PARTIES TO WHOM WE PROVIDE LINKS), (II) INCORRECT OR INCOMPLETE INFORMATION THAT YOU PROVIDE TO US, SUCH AS INCORRECT OR OUTDATED CONTACT OR ACCOUNT INFORMATION, OR (III) INCORRECT INFORMATION THAT WE RECEIVE FROM THIRD-PARTY SOURCES, OR OUR FAILURE TO OBTAIN INFORMATION FROM THIRD-PARTY SOURCES, AS A RESULT OF INCORRECT OR INCOMPLETE INFORMATION THAT YOU PROVIDE US. IN ADDITION, WE ARE NOT RESPONSIBLE FOR ANY LOSSES, ERRORS, INJURIES, EXPENSES, CLAIMS, ATTORNEY’S FEES, INTEREST, OR OTHER DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL (ANY OF WHICH, “LOSSES”), CAUSED BY, ARISING FROM, OR IN CONNECTION WITH YOUR ACCESS TO AND/OR USE OF THE PRODUCTS. NEITHER WE NOR OUR SUBCONTRACTORS, PARTNERS AND/OR SERVICE PROVIDERS WILL BE LIABLE FOR THE LOSS, CONFIDENTIALITY, UNAUTHORIZED DISCLOSURE OR SECURITY OF ANY DATA OR INFORMATION WHILE IN TRANSIT VIA THE INTERNET, TELEPHONE OR OTHER COMMUNICATION LINES, POSTAL SYSTEM, ACH NETWORK OR OTHER MEANS OF TRANSMISSION. WITHOUT LIMITING THE FOREGOING LIMITATION OF LIABILITY, IN THE EVENT WE ARE FOUND LIABLE FOR DAMAGES TO YOU IN A COMPETENT LEGAL PROCEEDING, OUR AGGREGATE LIABILITY FOR ALL CLAIMS CAUSED BY, ARISING OUT OF, OR RELATED TO YOUR ACCESS TO AND/OR USE OF THE PRODUCTS IS LIMITED TO THE LESSER OF (A) ONE THOUSAND DOLLARS ($1,000) OR (B) THE AMOUNTS PAID TO US FOR THE PRODUCTS THAT ARE THE BASIS OF THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE DATE OF THE CLAIM.

If you subscribe for any product, you do it at your initiative, and are solely responsible for compliance with applicable laws relating to your use of such product. Neither we nor our subcontractors, partners or and service providers warrant the adequacy, accuracy, or completeness of any information provided through any product or contained in any third-party website linked to or from any InfoArmor website.

You understand and agree that InfoArmor expressly disclaims and bears no liability for fraudulent transactions, whether identified by us or not, and expressly disclaims any warranty that the products will enable you to comply with law, mitigate damages (including, but not limited to, those related to a data breach), or avoid any other consequences of a data breach or failure by you to institute proper security measures. Further, you understand and agree that InfoArmor and our Products do not, and are not intended to, provide legal, tax, investment or other financial advice.

WE DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR ERROR-FREE OPERATION, AND ALL PRODUCTS PROVIDED TO YOU ARE PROVIDED ON AN “AS-IS”, “WHERE-IS” AND “AS-AVAILABLE” BASIS.

N. U.S. Law and Cross-Border Use. You represent and warrant that you are a U.S. citizen, and, if applicable, every person under your Family Plan is also a U.S. citizen. You understand and agree that the Products are meant for U.S. residents to use in, and provided to you under the laws of, the United States. Should you choose to use the Products outside of the United States, you bear any and all responsibility for determination of, and compliance with, all non-U.S. laws applicable to such use. The Products, including any software, documentation and any related technical data included with, or contained in, such Products, and any products utilizing any such Products, software, documentation or technical data (collectively, “Regulated Products”) may be subject to U.S. export control laws and regulations, including the Export Administration Regulations and the International Traffic in Arms Regulations (ITAR). You agree that you will not, and you will not cause or assist any third party to, directly or indirectly, export, re-export or release any Regulated Products to any jurisdiction to which, or any party to whom, the export, re-export or release of any Regulated Products is prohibited by applicable U.S. laws or regulations. You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country and that you are not listed on any U.S. Government list of prohibited or restricted parties such as the Office of Foreign Assets Control list.

O. Indemnification. You agree to use the Products only for the purposes stated in, and in compliance with, this Agreement. You agree that you will indemnify and hold InfoArmor and its affiliates, directors, officers, employees and agents, harmless for, from and against all losses, damages, claims, amounts paid in settlement of claims, costs and expenses, (including direct, incidental, consequential, exemplary, and indirect damages and/or reasonable attorneys’ and consultants’ fees and expenses), interest, awards, judgments, fines, penalties and other liabilities made by or owing to any third-party resulting directly or indirectly from or arising out of your access to or use of the Products or from your violation of this Agreement, or your violation of any law, regulation, or third-party rights in connection with your access to or use of any of the Products.

You shall not, without InfoArmor’s prior written consent (not to be unreasonably withheld, conditioned or delayed), settle, compromise, or consent to the entry of any judgment in any pending or threatened claim, action, or proceeding in respect of which indemnification is sought hereunder unless such settlement, compromise, or consent includes an unconditional release of InfoArmor from all liability arising out of such claim, action, or proceeding.

P. Force Majeure. We will not be liable hereunder for failure or delay in our provision of the Products and related performance of our services due to causes arising from or attributable to acts, events, omissions or accidents beyond our reasonable control, including, but not limited to, acts of God, strike, lockout, labor disputes, governmental orders or restrictions, shortage of materials or labor, utility or communication failure, errors, acts or omissions of third party communications services providers, war, act of terrorism, fire, explosion, sabotage, storm, flood, earthquake, or epidemics.

Q. Assignment. We may assign any or all of our rights and/or delegate all or any of our obligations under this Agreement to any third-party without your consent. You may not assign your rights or delegate your obligations under this Agreement to anyone without our prior written consent, which we may give or withhold in our sole discretion.

R. Governing Law. This Agreement is governed by and will at all times be construed, interpreted, and enforced in accordance with applicable federal law and, to the extent state law applies, the laws of Illinois, without regard to conflict of law’s provisions, except that the Federal Arbitration Act applies to the arbitration agreement and class action waiver provisions contained in this Agreement.

S. Arbitration Provision and Class Action Waiver. Any claim or controversy arising out of or relating to this Agreement, your use of the Products, or any acts or omissions for which you contend we are liable, including, but not limited to, whether a particular claim or controversy is subject to this section (“Dispute”), will be finally, and exclusively, settled by arbitration held before one arbitrator under the then prevailing Commercial Arbitration Rules and Rules for Expedited Procedures of the American Arbitration Association (“AAA”) in force at that time. The arbitration will be conducted in Chicago, Illinois. The arbitrator will be selected pursuant to the AAA rules. The arbitrator will have the power to award no more than the prevailing party’s actual, compensatory damages in connection with any Dispute, and may not award damages in excess of actual, compensatory damages, such as by multiplying actual damages or by awarding consequential, punitive, or exemplary damages (collectively, “Enhanced Damages”), and both you and we irrevocably waive any claim to Enhanced Damages, except where such a waiver would explicitly violate the law of the state in which you live at the time a Dispute arises. This section, regarding Arbitration, will not be construed as an agreement to the joinder or consolidation of arbitration under this Agreement with arbitration of disputes or claims of any party other than you or us, regardless of the nature of the issues or disputes involved. Any judgment upon the award rendered by the arbitrator may be entered in any court which has jurisdiction over the non-prevailing party. By agreeing to the foregoing arbitration terms, you waive your right to go to court to assert or defend your rights. You also waive your right to participate in or bring class actions or class arbitrations. If any of the foregoing provisions is determined by a court or arbitrator to be inapplicable or unenforceable with respect to a Dispute, you and we agree that, subject to the foregoing arbitration provisions, jurisdiction over and venue of any suit will be exclusively in the state and federal courts sitting in Cook County, Illinois. If either you or we employ attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party will be entitled to recover reasonable attorneys’ fees and expenses, as well as arbitration and/or court costs.

T. Use Restrictions. You shall not and shall not permit others to:

  1. interfere with the operation of Products or another’s use of the Products;

  2. introduce any viruses, worms, malware, trojans, or other malicious or disruptive code;

  3. impersonate any person or entity, provide false information required for obtaining access to the Products;

  4. iv. use the Products for commercial or other non-personal purposes;

  5. reverse engineer, decompile, or otherwise attempt to derive source code of the software that powers the Products;

  6. create or use any script or automated tool that attempts to create multiple ways to access or use the Products;

  7. attempt to gain or provide unauthorized access to the Products or any computer system used to provide the Products, circumvent any access restriction or security measures with respect to the Products, or disclose your access information or otherwise give access to the Products to any third party; or

  8. tamper, alter, modify, change, disassemble, reverse engineer, copy, or duplicate in any manner the Products or its associated code.

The foregoing list is not exhaustive. If you engage in any activity with us that we determine, in our sole discretion, to be offensive, threatening or harassing, interferes with our ability to help other subscribers, causes harm to us, or you otherwise violate this Agreement, your access to and use of the Products will terminate effective immediately, and you will be unable to access or use your subscription account. In addition, you may be subject to legal action and may be denied future participation in any products provided, distributed or sold by us. Failure by InfoArmor to enforce such rights remedies is not and shall not be deemed a waiver of such rights and remedies.

U. Waiver. InfoArmor will not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of our rights under this Agreement. No waiver by us will be binding unless in writing and signed by an authorized representative of InfoArmor. No waiver by us of a breach of this Agreement will constitute a waiver of any prior or subsequent breach of this Agreement.

V. Effect of Invalidity. If any provision of this Agreement is determined to be invalid or unenforceable under applicable law, such provision (to the extent of such invalidity or unenforceability) shall be deemed severed from this Agreement, and the remaining provisions of this Agreement will remain valid and enforceable.

W. Entire Agreement. This Agreement constitutes the entire understanding and agreement between you and us with respect to the subject matter of this Agreement, and all prior and contemporaneous agreements, understandings, representations and communications between you and us concerning such subject matter are hereby superseded and made null and void in their entirety. You acknowledge and agree that you have not relied on any statement, representation, warranty, or agreement of ours or any other person purporting to act on our behalf, including any representations, warranties, or agreements arising from our website, any promotional materials, any statute, or otherwise in law, except for the representations, warranties, or agreements expressly contained in this Agreement.

ARTICLE II

TERMS AND CONDITIONS REGARDING PARTICULAR PRODUCTS

The following sets forth certain terms and conditions that apply to the specific Product features described below. Feature availability depends upon your level of coverage. Please refer to your account for the features available to you.

  • Credit Monitoring.
    • To participate in credit monitoring, you will be required to provide certain personal information, including, but not limited to, your birthdate and U.S. Social Security Number, and authenticate your identity. You understand and agree that by enrolling in and continuing to use credit monitoring, you are giving “written instructions” to us to obtain your credit report pursuant to the Fair Credit Reporting Act. You understand and agree that pursuant to the Fair Credit Reporting Act, you are entitled to obtain copies of annual credit reports, for yourself and for minor children for whom you are the parent or legal guardian, without charge. You also understand and agree that your decision to pay any payments for credit monitoring or any other Product under this Agreement has been made by you as a convenience and is not legally required. Please note that any person who knowingly and willfully obtains a credit report or score/disclosure under false pretenses may face criminal prosecution. We do not and will not transmit your score to any unauthorized third-party; however, we may use such information for our own internal purposes as detailed in our Privacy Statement.
    • The unlimited TransUnion reports and scores that may be provided with this Product are limited to adults and may be accessed once per calendar day through the identity protection portal. The tri-bureau credit report can only be obtained once in a 365-day period. InfoArmor utilizes the VantageScore scoring model as provided by TransUnion. The VantageScore is not the FICO score, which is derived by the Fair Isaac Corporation. VantageScore may vary from bureau to bureau. The Product may also include a “credit lock” whereby InfoArmor helps to lock your TransUnion credit file and to file online TransUnion credit disputes. To lock a minor child/dependent’s TransUnion credit report, you must provide evidence documenting (1) that you are the parent or legal guardian of the minor, and (2) your ability to act on behalf of the child/dependent. This also includes credit freeze assistance, which may require additional expenses in freezing or unfreezing your credit report; these additional expenses are your sole responsibility. Please allow up to 45 business days for the credit dispute resolution process to complete.
  • IP Address Monitoring. To participate in this Product feature, you must provide InfoArmor with your IP address and grant us permission to store and monitor IP address information.
  • Expense and Stolen Funds Reimbursement. Depending on your plan, reimbursement for certain expenses and losses might be available to you if you have an eligible loss while you are subscribed for Products. Coverage is outlined in the Summary Description of Benefits for the Personal Internet & Identity Coverage Policy (“Summary”) and check your plan for which types of coverage are included for you. This benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the underlying policy and summary of benefits for terms, conditions, and exclusions of coverage, which are available in your online account or https://www.infoarmor.com/identity-fraud-financial-reimbursement . Coverage may not be available in all jurisdictions. Before reimbursing any funds, InfoArmor will attempt to remediate your stolen funds using its standard process.
  • Tax Fraud Refund Advance. To obtain this benefit, you must submit proper documentation of both tax fraud and the refund amount owed to you by the IRS. You agree to repay any tax refund advances that are paid to you if the tax fraud is resolved and the IRS issues a refund check. You must repay the advance to InfoArmor within ten (10) business days of receipt of your refund from IRS. You will be required to complete necessary IRS Forms and hereby provide consent to utilize the IRS refund tracker.
  • Financial Transaction Monitoring. To participate in financial transaction monitoring, you agree to provide us with proper details of your credit, commerce, banking and other applicable accounts and grant us permission to access your accounts as your agent. By providing us with your account information and such access you are granting us a non-exclusive, fully-paid, royalty-free, license to use such account information to monitor transactions within the corresponding accounts and for the preparation of aggregated and anonymous data from your account for our own internal purposes. Should you change your account information with any of your third- party providers, you must update that account information in our system in order for us to continue providing financial transaction protection with respect to that provider. You understand that our network and Products are limited in scope to the account information provided by you, and we may experience delays or fail to process and identify fraudulent transactions for any number of reasons related to or outside of these constraints. You acknowledge and agree to monitor your accounts and transactions and you recognize that you should not rely on alerts from InfoArmor alone.
  • Internet Surveillance. InfoArmor may not directly notify you of any security breaches made public. InfoArmor commonly releases blogs regarding public breaches, which users may access through the InfoArmor site.
  • Social Account Monitoring. To use social account monitoring, you must provide us with proper credentials to your social media accounts, identify the third-party provider of such accounts, and grant us access to your accounts as your agent. By providing us with your account information you are granting us a non-exclusive, fully-paid, royalty-free, license to use such account information to monitor your accounts and for the preparation of aggregated and anonymous data from your account for our own internal purposes. Should you change your account information with any of your social media accounts, you understand that you will be required to update that account information in our system for us to continue providing social accounting monitoring protection with respect to such account. You understand that our network and Products are limited in scope to the social media account information provided by you, and we may experience delays or failure to process and identify issues or threats within those accounts. You have a duty to monitor your social media accounts and you recognize that you should not rely on alerts from InfoArmor alone. You understand and agree that InfoArmor expressly disclaims and bears no liability for any delay or failure to flag an issue or threat within your social media accounts.
  • Sex Offender Monitoring. To use sex offender monitoring, you must provide your address including zip code. Sex offender monitoring results are based on various publicly available records of registered sex offenders in a particular zip code. We will provide monthly updates when a new registered sex offender moves into your designated zip code. If you move out of your current zip code, you must update your address and zip code to continue receiving updates. You understand that we cannot guarantee the accuracy, completeness, or timeliness of the information regarding specific offenders or whether an offender who may be located in the vicinity of any location is omitted. You acknowledge and agree that you should not rely on information provided by InfoArmor alone in this regard, and InfoArmor accepts no responsibility or liability for damages of any kind resulting from reliance on this information or lack thereof.
  • Allstate Digital Footprint. The Allstate Digital Footprint is activated when you sign up for Digital Footprint and grant access to InfoArmor to read, write, modify, or control email message bodies (including attachments), metadata, headers, and settings (“Email Data”). By activating the Digital Footprint, you agree to allow us to collect, use and share your Email Data to (i) identify certain online accounts, (ii) notify you of known security breaches that relate to those accounts, and (iii) at your request, send data privacy requests, unsubscribe requests or deletion requests from your email account. In conducting the Digital Footprint scan, our technology analyzes your emails including the headers and senders of the emails, and to the extent necessary, the content of the email to determine if a digital relationship exists. InfoArmor retains email header and sender information where a digital relationship was identified but does not retain or store the content of your emails. Additionally, InfoArmor will not:

    • transfer email data to others unless it is necessary to provide and improve features, comply with applicable law, or otherwise provide the services, use email data for serving advertisements, or

    • allow a person to read your email data unless we have your affirmative agreement regarding specific messages, doing so is necessary for security purposes such as investigating abuse, to comply with applicable law, or for our product's internal operations.

    Our use and transfer to any other app of information received from Google email accounts will adhere to Google API Services User Data Policy, including the limited use requirements, which are accessible here.

    Your email address will be matched against a list of email addresses involved in known security breaches that relate to those accounts. If applicable, you will be alerted about those breaches. If you wish for us to no longer access your Email Data, you may revoke access directly through your email account provider at any time or by disconnecting your email account from the service.

    You agree that the Digital Footprint is for personal use only and by granting InfoArmor access to your email account, you are certifying that you are the individual owner of the email account and that you have the authority to grant such access. The Digital Footprint is created based upon accounts identified in your email through our email scanning process. Our email scan only looks at your inbox, not deleted or sent emails. You may have additional accounts that are not revealed through in your Digital Footprint because you have not had any email communication with those companies, or you may have deleted emails from those accounts. This Service is not an insurance product and InfoArmor expressly disclaims any representations or claims that this Product establishes, rebuilds, raises, repairs, rehabilitates, restores, or improves your credit.

    The Digital Footprint Privacy Insights feature provides insights regarding a company’s collection and use of personal information based on the information disclosed in the company’s privacy policy (which may also be referred to as a “privacy statement” or “privacy notice”). Companies may have multiple policies, however, at this time we are only able to review the privacy policy on the company’s main website. We use machine learning technology to provide these insights, which is not always 100% accurate. Our summaries are for information purposes only and highlight only certain types of a company's usage and collection of data. The Privacy Insights are not a substitute for reading a company’s privacy statement. To fully understand how a company collects and uses your data, you should always visit their website to read its privacy policy in full.

    The Digital Footprint provides you with the ability to send requests to companies from your email account to (i) unsubscribe you from marketing emails, (ii) delete your data and account, and (iii) honor certain privacy preference requests. Companies may not be legally required to comply with requests to delete your data and therefore may not honor such requests. Companies are also not legally required to comply with privacy preference requests or may have specific processes in place to honor privacy preference requests. Companies may vary widely in how, when or if they respond to your data preference request. InfoArmor does not communicate independently with companies regarding your unsubscribe, deletion and privacy preference requests. You should monitor your inbox for communications from the company with respect to such requests.

  • Robocall Blocker Features. If you have a plan that provides a robocall blocker feature powered by Nomorobo, including tools to help you block or screen unknown or unwanted texts and calls, additional terms and conditions apply that must be agreed to before using these features. Please refer to the full terms and conditions and privacy policy provided by Nomorobo related to these features, available at https://nomorobo.com/pages/privacy
  • Family Digital Protection Features. If you have a plan that provides family digital protection features powered by Bark, including tools to help you set limits around your children’s device screen time, block websites for safer child online browsing, location alerts so you know where your children are, and social media and app monitoring, and other digital family safety features, additional terms and conditions apply that must be agreed to before using these features. Please refer to the full terms and conditions provided by Bark related to these features, available at www.bark.us/terms and privacy policy available at www.bark.us/privacy
  • Cybersecurity Features. If you have a plan that provides cybersecurity features powered by Bitdefender, including device security, VPN, password manager and other cybersecurity features, additional terms and conditions apply that must be agreed to before using these features. Please refer to the full terms and conditions provided by Bitdefender related to each of these features, available at https://www.bitdefender.com/site/view/subscription-agreement-and-terms-of-services-for-home-user-solutions.html and privacy policy at https://www.bitdefender.com/site/view/legal-privacy-policy-for-home-users-solutions.html
  • Remediation. If we assist you with the restoration of your identity following an event of identity fraud, you may be required to access a secure file transfer portal to provide us with additional documentation related to your identity theft incident. When you provide us with such documents, you are granting us permission to take such actions and use such documents as necessary to provide our remediation services to you. Any such information that InfoArmor collects from you will be treated in accordance with our Privacy Statement.
  • InfoArmor Apps. Downloading and use of the Apps does not create an ownership interest of any kind in the Apps, or the intellectual property related thereto (see Intellectual Property in this Agreement), but instead creates a non-exclusive, fully-paid, royalty-fee, revocable, license to use the Apps for their intended purpose only. The Apps may be available through third- party providers (e.g., App Store). However, this Agreement is the sole and exclusive agreement between InfoArmor and you for your use of the Apps (except for any Apps provided to you for the Mobile Device, Robocall Blocker, Family Digital Safety, and Cybersecurity features, which are subject to Additional Terms), and any agreement with such third-party provider will not govern the terms of service of the Apps or otherwise supplement, override or affect any provision of this Agreement. Unless expressly stated, this Agreement does not modify any other terms set forth in any application marketplace, including, but not limited to, the Apple App Store Terms and Conditions and Google Play Terms of Service or as otherwise required by any application marketplace provider (“Application Marketplace Provider”).To the extent necessary for this Agreement to comply with Apple’s applicable Instructions for Minimum Terms of Developer’s End-User License Agreement (“ Apple’s Minimum Terms”), Apple’s Minimum Terms are hereby incorporated into this Agreement.

ARTICLE III

TERMS AND CONDITIONS APPLICABLE TO EMPLOYER OR THIRD-PARTY SPONSORED PRODUCTS

A. Coverage Obtained Through Employer or Third-Party. Products that are made available to you under plans or arrangements provided for by your employer or another third-party (“Employer or Third-Party Sponsored Products”) are subject to the terms of a service agreement between InfoArmor and your employer or third-party (“Employer or Third-Party Agreement”). Employer or Third-Party Sponsored Products may extend to cover your family members, eligible dependents or other related persons. You should check with your employer or third-party from whom you purchased the Products to determine if your Employer or Third-Party Sponsored Products include family or dependent coverage or an option to upgrade your coverage to include family members or eligible dependents. You may also contact us at 1-800-789-2720 or through our customer service email to determine this. Any such upgrade, if available, will be subject to further charges for which you may be directly liable.

B. Provision of Products Subject to Agreement. The Employer or Third-Party Sponsored Products provided to you are subject, at all times, to the terms of the Employer or Third-Party Agreement, including but not limited to, terms regarding (i) termination of such Employer or Third-Party Agreement, (ii) cost of Employer or Third-Party Sponsored Products and (iii) modification or termination of such Employer or Third-Party Sponsored Products. If the Employer or Third-Party Agreement expires or is otherwise terminated for any reason or, if based on changes to the Employer or Third-Party Agreement, the Employer or Third-Party Sponsored Products are substantially reduced, limited or cancelled, we may notify you directly to provide you with the opportunity to subscribe for the Products directly with InfoArmor under separate arrangements. If you wish to continue as a subscriber for equivalent Products following any such termination event, you must contact InfoArmor at 1-800-789-2720 or through our customer service email. In such circumstances, you will be required to purchase and pay for our Products directly as set forth under Article IV of this Agreement.

C. Employer or Third-Party Paid Billing and Payment Terms. If your subscription for Employer or Third-Party Sponsored Products are paid for in full by your employer or another third-party, you will not be charged for such Products.

D. Self-Paid Billing and Payment Terms. If not paid in full by your employer or another third-party, the total fee for all Products for which you subscribe, whether you subscribe to one or more Products (the “Product Fee”), will be automatically charged to your credit card or through another automated payment method acceptable to us on each Payment Date, which may include payroll deduction (an “Appropriate Payment Method”). “Payment Date” means the date on which you subscribe for a Product and each monthly or annual anniversary of such date. For example, if you subscribe for a Product on March 5, the Payment Date will be the fifth day of each month for a monthly subscription, or March 5th of the following year for an annual subscription. However, if your payment is made through payroll deduction, your employer or billing administrator will dictate payment timing. By providing us with your payment information or authorizing your employer to pay through payroll deduction, you are representing and warranting to us your authority to do so and our right to charge the Product Fee in accordance with such payment information.

E. Term, Termination, and Renewal. Your subscription for the Products will automatically renew annually (for annual subscriptions) or monthly (for monthly subscriptions) unless and until it is otherwise terminated pursuant to the Employer or Third-Party Agreement or the terms set forth herein. Products Fees for Employer or Third-Party Sponsored Products are dictated by an Employer or Third-Party Agreement, in which case such agreement will govern the amount of your Product Fees. If you enrolled via your employer (e.g., during benefits selection) or another authorized third-party, termination of your subscription for any or all of the Employer or Third-Party Sponsored Products should be requested through that third-party (e.g., your employer’s human resources department). Your employer may determine the period of time during which you may cancel or change your subscription (e.g., during open benefits enrollment). Your termination will be effective when the employer or authorized third-party notifies us.

F. Refund of Product Fees. InfoArmor is not responsible for any refunds to you for Employer or Third-Party Sponsored Products.

ARTICLE IV

TERMS AND CONDITIONS APPLICABLE TO PRODUCTS PURCHASED DIRECTLY FROM INFOARMOR

In certain instances, you may have the ability to continue to purchase the Products directly from InfoArmor after (i) termination of an Employer or Third-Party Agreement or (ii) your departure as an employee or member of a third-party organization from whom you initially purchased the Products (each, a “Termination Event”). Additionally, you may have the opportunity to elect to purchase additional or upgraded Products from InfoArmor directly (an “Upgrade”). The following sets forth certain terms and conditions that apply to those Products purchased directly from InfoArmor after a Termination Event or in the event of an Upgrade.

A. Billing and Payment Terms. The Product Fee will be automatically charged to your credit card or through another automated payment method acceptable to us on each Payment Date. “Payment Date” means the date on which you subscribe for a Product and each monthly or annual anniversary of such date. For example, if you subscribe for a Product on March 5, the Payment Date will be the fifth day of each month for a monthly subscription, or March 5th of the following year for an annual subscription. By providing us with your payment information, you are representing and warranting to us your authority to do so and our right to charge the Product Fee in accordance with such payment information.

B. Term, Termination and Renewal. Your subscription for the Products will automatically renew annually (for annual subscriptions) or monthly (for monthly subscriptions) unless and until you cancel or it is otherwise terminated pursuant to the terms of this Agreement. Our prices are subject to change; however, we will notify you in advance. You may terminate your subscription for any or all the Products at any time by cancelling in the portal in your account settings, calling us at 1-800-789-2720 or by notifying us through our customer service email. Termination for monthly and annual subscriptions will be effective immediately upon receipt of your communication to us. InfoArmor may terminate this Agreement without cause upon written notice to you, such termination to be effective as of the date of transmission of such written notice.

D. Refund of Product Fees. Termination by you or by InfoArmor of any monthly or annual subscription will entitle you to a refund of a prorated portion of Product Fees that you have prepaid for such subscription

Effective March 12th, 2024