Identity theft and
protection plan
General Terms and
Conditions
Read
this Agreement, and retain it for your records.
CUSTOMER SERVICE: WWW.THEFTPROTECTSUPPORT.COM
OR CALL
All
applicants must agree to and "accept" the terms and conditions and
the refund policy .BEFORE" the application will be
processed.
This
Plan provides participants with a comprehensive package of services including:
Monthly e-newsletter, risk assessment test, a Personalized Protection Plan,
Fraud Alerts, Video Education, a Personal Recovery Advocate to completely
restore your identity, up to $20,000 in reimbursements with no deductible,
Links with law enforcement, and Post-recovery Follow-up.
Cancellation Policy:
Once you have agreed to and accepted the terms and conditions to receive the
IDENTITY THEFT AND PROTECTION PLAN product, and application has been
electronically submitted, we are unable
to stop the fully automated transaction and cancel the application
process. If you contact our customer service department within
THREE (3) business days from the time your initial fee was processed
or from the day your application was submitted, and notify us that you
would like to cancel your IDENTITY THEFT AND PROTECTION PLAN order, we will
cancel your order and you will not be charged future monthly payments.
Cancellation Fee:
You may cancel your monthly IDENTITY THEFT AND PROTECTION PLAN service at
anytime, however after your on line application has been received and your
order has been Processed, there is an early termination fee of $15.00. Please allow fifteen (15) days for the cancellation
process to take effect.
Non-sufficient Funds (NSF)
We reserve the right to resubmit (up to 2 attempts) any payment returned for
non-sufficient funds (NSF). In addition, you authorize an electronic or paper
payment of up to $25.00 for the processing of an NSF payment.
Fraud Resolution:
We cooperate completely with all law enforcement agencies in the pursuit of
fraud, with regard to the purchase and use of our card products. If you
believe your account was fraudulently charged for the purchase price of one of
our card products, we will make every effort to aid in a resolution.
Before we can take any action, please fax or mail a copy of the official report
filed with your local Police or law enforcement agency detailing the suspected
fraudulent act and also a copy of the portion of your account statement showing
the date and amount of the withdrawal. Please allow us 2 weeks for
resolution after we receive the report and statement. Fax:
1-213-291-8170
IDSafeguards
Benefits Description
Introduction
This
Benefits Description contains the terms and conditions of your benefits
coverage with Identity Safeguards. Please read this material carefully. If you
have any questions about the Program or your benefits, please contact us.
When
Your Benefits Start
Your
benefits begin on the effective date stated in the welcome letter, which
accompanied this Benefits Description.
When
Your Benefits End
Your
Benefits will end when you cancel your coverage.
Description
of Benefits
I.
DEFINITIONS (used in this Benefits Description )
A. Program means the IDSafeguards Program of personalized identity theft protection and
recovery services and loss reimbursement.
B. Identity Theft
Event means the theft of a Participants personal identification, including a
Social Security number or other identifying information
about the Participant, which has or could reasonably result in the wrongful use
of such information, including, but not limited to, identity theft events
occurring on or arising out of the Participants use of the Internet. The Identity Theft Event shall not include the theft or wrongful use of the Participants business name, d.b.a., or any other
identifying information related to any business activity of the Participant.
All losses resulting from the same, continuous, related, or repeated acts shall be treated as arising out of a single Identity Theft Event
occurring at the time of the first such Identity Theft Event.
C. We, us, and our
mean Identity Safeguards.
D. You and your mean a member with benefits coverage under the Program.
E. Allowable expenses means those incurred by you and fitting the definition of
costs as set forth in the Personal Internet and Identity Coverage Insurance
Policy (PIIC) issued by a member company of American International Group, Inc.
F. Participant means a member covered by
the Program.
II.
PROGRAM COVERAGE
The
Program includes personalized identity theft protection and recovery services
provided by Identity Safeguards, together with the PIIC Policy provided by a
member company of American International Group Inc. The following is a list of
the benefits for which you are eligible:
A. Identity Theft Protection Benefits
1.
Protection Test. We offer a Protection Test to all Participants. The test is
available in the Member Services section of our Web site.
2. Protection Plan. When you take the Protection Test on our Web site, you
automatically receive a customized Protection Plan based upon your responses.
3. Fraud Report Access. Fraud reports (updated periodically) are available in
the Member Services section of our Web site. These fraud reports provide fraud
warnings and contain suggestions on ways to help reduce the chances of becoming
a victim of identity theft.
4. Personal Protection Advisory newsletter. Members will receive a monthly
Personal Protection Advisory newsletter via email.
5. Training video, Participants have access, via the Member Services section of
the Identity Safeguards web site, to an on line training video that teaches how
to reduce the risk of becoming a victim of identity theft.
B.
Identity Theft Recovery Benefits
If
you discover that you are a victim of identity theft while enrolled in the
Program, we will assign a Recovery Advocate to manage your case and activate
the members of our Recovery Team needed to help with the recovery process. They
will create a Damage Assessment and Recovery Plan based on your case. The
Recovery Plan will outline the actions that you and the Recovery Team will need
to take to complete the recovery process. Your cooperation in completing the
Recovery Plan is a condition of the continued involvement of the Recovery
Advocate and the Recovery Team.
C.
Identity Theft Lost Income and Expense Reimbursement
Participants
who discover that they are victims of identity theft while enrolled in the
program will have their allowable costs for lost wages, legal defense fees and
expenses (e.g., credit reports, legal fees for some civil suits, fees for
refilling loan applications, etc.) associated with the identity theft event
reimbursed through the PIIC Policy up to the Policy limits. There is no
deductible applicable to the reimbursement. Reimbursement is subject to review
of the expenses and lost income you submit.
D.
Identity Theft Reporting Time Limitation
To
be eligible for the recovery and reimbursement benefits for an Identity Theft
Event, you must report the occurrence of the Identity Theft Event that is the
basis of your claim to Identity Safeguards within 90 DAYS of the date of
discovery of theft event.
III.
PROGRAM COVERAGE EXCLUSIONS
A.
You will not be covered if the identity theft event occurs after termination of
your membership in the Program. If you want assistance with the recovery
process for a post-membership identity theft event, you can purchase recovery
services from us by paying the standard fees, plus expenses.
B.
Participants must abide by all applicable State and Federal laws, and report
illegal activities and fraud to appropriate legal authorities. Failure to do so
will terminate their membership and all Program benefits.
Submitting
Your Reimbursement Request and Receiving Payment
If
you become a victim of an Identity Theft Event, you should notify us as soon as
possible. Your Recovery Advocate will send you a Time and Expense Form so you
can keep track of your expenses and time spent during your normal working hours
dealing with the recovery process. (You should also get and retain receipts
whenever applicable). To obtain reimbursement, we will require that you
complete this form properly and submit it to us upon our request. Along with
your Time and Expense Form, you will need to submit a Claim Form (which we will
provide). We will then submit the forms to the Insurance Company Claims
Department within 14 days of the closure of your case. You will receive
reimbursement for your allowable expenses and lost income after your case
closes.
Benefits
Coordination with Other Theft Coverage
The
Programs lost income and
expense reimbursement services are available to you even if you have identity
theft insurance with another company. For example,
homeowners policies and
credit card companies frequently provide such coverage. However, if you become
a victim of an Identity Theft Event, you must seek reimbursement from that
company first, up to its policy limits. Then, if you do not receive full reimbursement of your expenses and lost income associated with the
recovery process under that coverage, you would be eligible to receive the
difference, up to the limits of and subject to the terms and conditions of the
PIIC Policy.
Cancellation
If
you cancel your membership within 14 calendar days of its effective date, and
prior to utilizing the recovery service, you will be charged no cancelled fee.
If you cancel after utilizing the recovery service, you will be charged a flat
$15 cancellation fee.
Insurance
underwritten by member companies of American International Group, Inc. The
description herein is a summary only. It does not include all terms, conditions
and exclusions of the policies described. For questions about coverage, please
contact idtheft@aig.com or click here. Coverage not available to residents of
Contact Us
For Questions on the protection plan call 1-866-883-4987
To
access recovery services, you may contact us by telephone at (800) 939-4170, or
from the Member Services section of our Web site.
https://www.identitysafeguards.com/membership