Identity Guard® Utilizing Watson Service Terms of Use

The following Service Terms of Use applies only to Identity Guard utilizing Watson. For Service Terms of Use for all other products, please scroll down.

Effective Date: January 2018

These Terms of Use set forth legally binding terms that govern and restrict your use of the services offered through the Identity Guard website, with or without a subscription (the “Services”). For the terms of use applicable to your use of the Identity Guard site itself (the “Site”), please see here. YOUR USE OF AND/OR REGISTRATION FOR THE SERVICES CONSTITUTES YOUR AGREEMENT TO THE FOLLOWING TERMS OF USE. IF YOU DO NOT AGREE, DO NOT USE OR REGISTER FOR ANY OF THE SERVICES.

Please note the arbitration provision set forth below, requiring you to arbitrate any claims you may have against Intersections Inc. on an individual basis. ARBITRATION ON AN INDIVIDUAL BASIS MEANS THAT YOU WILL NOT HAVE, AND YOU HEREBY WAIVE, THE RIGHT FOR A JUDGE OR JURY TO DECIDE YOUR CLAIMS, AND THAT YOU MAY NOT ASSERT SUCH CLAIMS IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE CAPACITY.

1. Defined Terms

As used in these Terms, the following words shall have the following meanings. “Intersections Inc.” includes “Intersections”, “we”, “us” and variations such as “our”. “Services” includes the products, services and software that you order, receive or access through the Site or otherwise through the Services.

2. Use of the Services

You may not use the Services unless you are 18 years of age or older. Any information you provide to us must be true, accurate, current, and complete. You shall not use the Services for any illegal purpose and you shall abide by all applicable local, state, national, and international laws and regulations. The Services are made available for your personal use only, and not for commercial purposes. You may not use the Services to obtain information about or make decisions about anyone but yourself. You are solely responsible for any reliance on, or other any use you make of, the Services. We do not provide the Services, or any advice or assistance, for the purpose of improving your credit report, credit history or credit rating. Please note that use of some Services may require your agreement to additional terms and you may be required to provide information to third-party service providers. Intersections is not responsible for your agreement to or reliance upon any such terms.

In addition, we will attempt to provide you with features of the Services that are available to you or that you elect to activate. If, for any reason, we are unable to activate a feature of the Services we will notify you via the Services and/or by email to the email address associated with your account, except where our inability to activate a feature of the Services was based on an action you elected not to take or made in error. Further, prior to the delivery of information relevant to certain alerts, we will require you to authenticate certain aspects of your identity and credit information. Absent your request to terminate, your inability to access any feature of the Services or the inability to authenticate your identity or credit information may not result in termination of the Services or suspension of billing unless otherwise terminated by Intersections in our sole discretion.

3. Limited Software License

One aspect of the Services in particular is the Identity Guard Safe Browsing extension (the “Software”), which provides a more secure method of browsing the Internet, works with supported browsers to provide you with certain information about the web sites you visit and links your browsing activity to your Site profile. In addition to the other provisions in these Terms of Use, the following provisions apply specifically to the Software: Conditioned on your continued compliance with these Terms of Use and your subscription to the Software, these Terms of Use provide you with a revocable, limited, non-exclusive, nontransferable license to use the Software for personal use only and only for the duration of the Service Period. The “Service Period” shall begin on the date of your initial activation of the Software, and shall last until the expiration or earlier termination of this License. The Software is “in use” on a computer, mobile device, or tablet when it is loaded into the temporary memory (i.e., RAM) or installed into the permanent memory (e.g., hard disk, CD-ROM, or other storage device) of that computer, mobile device, or tablet.

Any rights granted hereby may not be sublicensed, leased, sold, transferred or assigned by you to any third party. You may not make any copy of, or allow access to, the Software other than as expressly permitted in these Terms of Use and as indicated at download. You may use the Software on a network only if you have a valid license for each copy on each computer on the network. You may not make any copies of that Software or allow anyone or any other device or instrumentality to access or use that Software. You may not use a previous version or copy of the Software after you have received an upgraded version as a replacement of the prior version. Upon upgrading the Software, all copies of the prior version must be destroyed.

NOTE: THIS LICENSE TO THE SOFTWARE SHALL TERMINATE UPON THE EARLIER OF: (i) YOUR FAILURE TO COMPLY WITH ANY TERM OF THIS LICENSE; (ii) THE RETURN, DESTRUCTION, OR DELETION OF ALL COPIES OF THE SOFTWARE IN YOUR POSSESSION; OR (iii) THE DATE UPON WHICH INTERSECTIONS INC. POSTS, ANNOUNCES OR PROVIDES ANY OTHER NOTICE THAT IT HAS DECIDED, IN ITS SOLE DISCRETION, TO DISCONTINUE OFFERING THE SOFTWARE. Intersections’ rights and your obligations shall survive the expiration or earlier termination of this license. Upon expiration or termination, you shall destroy or return to Intersections all copies of the Software, or any portion thereof and you will no longer have authorization to use the Software. When this license is terminated and/or the subscription is cancelled, you may no longer have access to data and other material you have stored in connection with the Software.

4. Fees and Charges

You authorize us to charge your credit card or other account that you have designated. Monthly, annual and other periodic or renewal fees will be charged at the then current rate plus applicable tax. You may cancel any Services at any time by calling 855-443-7748. You have the right to cancel any or all subscriptions without fee or penalty at any time. In the event You enroll in a free trial of the Service, such free trial shall only be available if You are a first time customer of the Service. Only one free trial may be redeemed per person per 12-month period and we may refuse to register You to obtain any of our Services for any reason, including without limitation any of our Services that may be offered by means of a free trial.

5. Changes to Services, Fees or Terms; Termination

At any time without notice or liability to you, we may prospectively modify these Terms of Use, or the fees for any Services, or modify or cancel any Services. From time to time we may add or discontinue material features to or from the Services. Any changes will be effective upon posting the revised version of these Terms of Use (or such later effective date as may be indicated therein). If in our sole discretion we deem a revision to these Terms of Use to be material, we will notify you via the Services and/or by email to the email address associated with your account. Notice of other changes may be provided via the Site. Therefore, we encourage you to check the date of these Terms of Use whenever you visit the Site to see if these Terms have been updated. Your continued access or use of any portion of the Service constitutes your acceptance of such changes. If you don’t agree to any of the changes, we’re not obligated to continue providing the Service, and you must cancel and stop using the Service.

We reserve the right to terminate your account with or without cause at any time and for any reason or for no reason. You agree that any termination of your access to any Services may be effected without prior notice. You may terminate your account at any time by calling 855-443-7748, which number is also listed on the Intersections Inc. customer service page. Once your account has expired or been terminated for any reason, you will have no further right or access to use the deactivated Services, and you immediately shall cease using and destroy all copies of any Software. You may not reverse engineer, decompile, or disassemble the Software, except to the extent the foregoing restriction is expressly prohibited by applicable law. You may not remove or destroy any copyright notices or other proprietary markings. You may not modify or adapt the Software, merge the Software into another program or create derivative works based on the Software. You may not use, copy, rent, lease, lend, sell or distribute the Software without Licensor’s authorization, except that you may make one (1) copy of the Software for archival or back-up purposes only.

Please note that your use of the Software is only one part of a conscientious and comprehensive system to decrease the risk of misappropriation of your information by third parties. Intersections and our suppliers, licensors, distributors, agents, and representatives make no guarantee that your information, including without limitation the information you store in the Software, will not be stolen or accessed by third parties.

6. Electronic Notices and Communications

THE SERVICES ARE ELECTRONIC, INTERNET-BASED SERVICES. YOU UNDERSTAND AND AGREE THAT THIS AGREEMENT WILL BE ENTERED INTO ELECTRONICALLY, AND THAT THE FOLLOWING CATEGORIES OF INFORMATION (“COMMUNICATIONS”) MAY BE PROVIDED BY ELECTRONIC MEANS AND THAT SUCH COMMUNICATIONS PROVIDED ELECTRONICALLY SATISFY ANY LEGAL REQUIREMENT THAT SUCH COMMUNICATIONS BE IN WRITING: THIS AGREEMENT AND ANY AMENDMENTS, MODIFICATIONS OR SUPPLEMENTS TO IT; ANY INITIAL, PERIODIC OR OTHER DISCLOSURES OR NOTICES PROVIDED IN CONNECTION WITH THE SERVICE, INCLUDING WITHOUT LIMITATION OUR PRIVACY POLICY, THE REGULATORY DISCLOSURES SET FORTH BELOW, ANY OTHER COMMUNICATIONS REQUIRED BY FEDERAL OR STATE LAW AND ANY OTHER COMMUNICATION RELATED TO THE SERVICES. COMMUNICATIONS MAY BE POSTED ON THE PAGES OF THE SERVICE WEB SITE(S) AND/OR DELIVERED TO THE EMAIL OR POSTAL MAIL ADDRESS YOU PROVIDE. YOU SHOULD PRINT A PAPER COPY OF THIS AGREEMENT AND ANY ELECTRONIC COMMUNICATION THAT IS IMPORTANT TO YOU AND RETAIN THE COPY FOR YOUR RECORDS. IN ORDER TO ACCESS AND RETAIN COMMUNICATIONS, YOU MUST HAVE: AN INTERNET BROWSER THAT SUPPORTS 128-BIT ENCRYPTION; AN EMAIL ACCOUNT AND EMAIL SOFTWARE CAPABLE OF READING AND RESPONDING TO YOUR EMAIL; A PERSONAL COMPUTER, OPERATING SYSTEM AND TELECOMMUNICATIONS CONNECTION TO THE INTERNET, OR IN THE CASE OF OUR MOBILE SERVICE, A WIRELESS DEVICE, SOFTWARE AND CONNECTION TO THE INTERNET CAPABLE OF SUPPORTING THE FOREGOING; AND SUFFICIENT ELECTRONIC STORAGE CAPACITY ON YOUR COMPUTER’S HARD DRIVE OR OTHER DATA STORAGE UNIT OR A PRINTER THAT IS CAPABLE OF PRINTING FROM YOUR BROWSER AND EMAIL SOFTWARE.

7. Export Restrictions

The Services are only available for purchase by residents of the United States of America (the “U.S.”). You understand and acknowledge that you may not sign up for the Services or download the Software from countries outside of the U.S. You agree to abide by U.S. and other applicable export control and import laws and not to transfer the Software to any country or person prohibited under such laws. Further, you acknowledge that the Software includes encryption capabilities that may be subject to export, import, and/or use controls under U.S. and other applicable laws. Accordingly, in no event may the Software, the underlying information and technology, and/or any support services be downloaded or otherwise exported, transferred, or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Syria, Sudan, the Crimea region of the Ukraine, or any other country or national of a country to which the U.S. has embargoed goods, sanctions, or other export restrictions; or (ii) to any person or entity prohibited by the U.S. Government, including but not limited to persons and entities on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Denied Parties List or Entities List.

8. U.S. Government Restricted Rights

RESTRICTED RIGHTS LEGEND: All Intersections software and documentation are commercial in nature. The Software and Software documentation are “Commercial Items,” as that term is defined in 48 C.F.R. § 2.101, consisting of “Commercial Computer Software” and “Commercial Computer Software Documentation,” as such terms are defined in 48 C.F.R. § 252.227-7014(a)(1) and 48 C.F.R. § 252.227-7014(a)(5). The Software and any related documentation licensed to United States Government end users with only those rights as granted to all other end users will be according to the terms and conditions contained in these Terms and applicable sections of the Federal Acquisition Regulations, including but not limited to 48 C.F.R. §§ 12.212, 227.7202-1, 227.7202-3, and 227.7202-4.

9. Proprietary Rights

You acknowledge and agree that we or our licensors own all rights in and to the Services. Our rights and those of our licensors are protected by laws and regulations, including copyright laws, patent laws and international intellectual property treaties. You are permitted to use the Services only as expressly authorized by these Terms of Use. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile any of the Software, Services or other technology.

10. Third-Party Products and Web sites

We may offer or provide you access to products, services or web sites provided by third parties, including but not limited to promotional or incentive offers, or free services provided by third parties and web sites that hyperlink to our web site. Intersections does not control or bear any responsibility for those web sites or third parties, including but not limited to their products or services or use by them of personal information you may provide them.

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” BASIS ONLY. NEITHER WE, NOR ANY LICENSOR OR THIRD-PARTY PROVIDER OF ANY COMPONENT OF THE SERVICES OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICES, MAKES, AND EACH EXPRESSLY DISCLAIMS, TO THE EXTENT PERMITTED BY APPLICABLE LAW, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, ACCURACY OR THAT THE SERVICE IS ERROR FREE OR SECURE. .

WE DO NOT GUARANTEE THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THEY ARE ERROR-FREE, RELIABLE, WITHOUT INTERRUPTION OR AVAILABLE AT ALL TIMES. WE DO NOT GUARANTEE THAT THE SERVICES THAT MAY BE OBTAINED FROM THE USE OF THE SITE, INCLUDING ANY SUPPORT SERVICES, WILL BE EFFECTIVE, RELIABLE, AND ACCURATE OR MEET YOUR REQUIREMENTS.

IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SERVICES. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT PROVIDED THROUGH THE SERVICES.

INTERSECTIONS MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES REGARDING THE EFFECTIVENESS OF THE SERVICES OR TIMELINESS OF THE SERVICES IN MEETING YOUR EMPLOYMENT OR OTHER OBJECTIVES. INTERSECTIONS DOES NOT GUARANTEE THAT THE SERVICES WILL RESULT IN YOUR BEING HIRED, RETAINED, OR VIEWED IN A FAVORABLE LIGHT AND INTERSECTIONS IS NOT RESPONSIBLE FOR ANY BUSINESS, EMPLOYMENT, HIRING, SALARY OR OTHER DECISIONS, FOR WHATEVER REASON MADE, BY ANY THIRD PARTY.

12. Limitation of Liability

In no event shall Intersections, its partners, sponsors, advertisers, agents, employees, officers, directors or licensors, or any third party provider of any component of the Services be liable for any consequential, indirect, special, exemplary, punitive or similar damages arising from or related to the Services, including but not limited to any loss or damage caused by your reliance on information obtained through the Services, even if advised of the possibility of such damages in advance. Intersections is not liable for any personal injury, including death, caused by your use or misuse of the Services.

When using the Services, information may be transmitted over a medium which is beyond the control and jurisdiction of Intersections, its partners, advertisers, and sponsors. Accordingly, Intersections assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Services.

Further, any software, material and/or data downloaded or otherwise obtained through the use of the Services is at your own discretion and risk and you shall be solely responsible for any injury, including without limitation damage to your computer system or loss of data that results from the download of such material and/or data.

YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH INTERSECTIONS IS TO DISCONTINUE YOUR USE OF THE SERVICES. IN NO EVENT SHALL OUR LIABILITY, OR THE LIABILITY OF OUR AFFILIATES AND SUBSIDIARIES FOR ANY AND ALL CLAIMS RELATING TO THE USE OF THE SERVICES EXCEED THE TOTAL AMOUNT OF FEES THAT YOU PAID FOR THE SERVICES IN THE ONE-YEAR PERIOD PRIOR TO THE DATE THAT YOUR CLAIM ARISES. SOME JURISDICTIONS LIMIT OR PROHIBIT THE FOREGOING LIMITATIONS, AND IN SUCH JURISDICTIONS THE FOREGOING LIMITATIONS SHALL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY LAW. PLEASE NOTE THAT THE LIMITATION OF LIABILITY AND REMEDIES SET FORTH IN THIS SECTION ARE NOT APPLICABLE TO NEW JERSEY RESIDENTS.

13. Accounts & Passwords

Registration as a user or subscriber with the Services may require both a user name and a password, and certain portions of the Site may require use of multiple one time or persistent passwords. You should consider your user names and passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to the restricted portions of the Site or Services and to your account. You must keep your user name and password confidential. You shall immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your user name and password. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THESE OBLIGATIONS. We reserve the right to delete or change a user name or password at any time and for any reason.

14. Privacy

We collect personal information in connection with the Services, which is subject to the terms of our privacy statement. Further, in connection with your enrollment and registration for or use of the Services, you will be submitting your personal information to us, or allowing us to access your personal information, including without limitation account passwords, user names, financial account information and other personal information, as well as other data, materials and content you submit (“Your Information”). BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE SERVICES, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICES, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ OUR PRIVACY POLICY AND AGREE TO BE BOUND BY IT. Subject to our Privacy Policy, you agree that we may use, copy, modify, display and distribute Your Information as we see fit to provide the Services available through the Site. You represent that you have the right to give us Your Information and authorize its use as described above and in the privacy statement. Notwithstanding the foregoing, you agree and acknowledge that, in the event of your breach or violation of these Terms of Use, we may disclose, share or otherwise use Your Information to such third parties and to the extent we determine in our sole discretion necessary and appropriate to investigate, stop and/or seek appropriate remedies for damage or loss arising from, such breach or violation.

15. Agreement to Arbitrate

Intersections Inc. and/or You may elect to resolve any and all claims and disputes relating in any way to the Services and these Terms of Use or any of our dealings with one another (“Claims”), except for Claims concerning the validity, scope or enforceability of this Arbitration Agreement, through BINDING INDIVIDUAL ARBITRATION. This Arbitration Agreement involves interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (“FAA”), and not by state law. If You or we elect to resolve a dispute by arbitration, neither You nor we will be able to have a court or jury trial or participate in a class action or class arbitration. Other rights that You and we would have if You or we went to court will not be available or will be more limited in arbitration, including discovery and appeal rights. You and we each understand and agree that by allowing each other to elect to resolve any dispute through individual arbitration, WE ARE EACH WAIVING THE RIGHT TO A COURT OR JURY TRIAL. IF ANY PARTY ELECTS ARBITRATION, THAT DISPUTE SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS, AND NOT AS A CLASS ACTION, REPRESENTATIVE ACTION, CLASS ARBITRATION OR ANY SIMILAR PROCEEDING. The arbitrator(s) may not consolidate the claims of multiple parties.

Arbitrations shall be administered by the JAMS (“JAMS”) pursuant to the applicable JAMS rules in effect at the time the arbitration is initiated. You may obtain information about arbitration, arbitration procedures and fees from JAMS by calling 800-352-5267 or visiting http://www.jamsadr.com/. If JAMS is unable or unwilling to arbitrate a dispute, then the dispute may be referred to any other arbitration organization or arbitrator we both agree upon in writing or that is appointed pursuant to section 5 of the FAA. The arbitration shall take place at a location that is reasonably convenient for You. The arbitrator shall be authorized to award any relief that would have been available in court, provided that the arbitrator’s authority is limited to You and us alone, except as otherwise specifically stated herein. No arbitration decision will have any preclusive effect as to non-parties. The arbitrator’s decision shall be final and binding. You and we agree that this Arbitration Agreement extends to any other parties involved in any Claims, including but not limited to affiliated companies and vendors. This Arbitration Agreement shall take precedence over the rules of the arbitration organization or arbitrator in the event of any conflict. We will be responsible for paying all arbitration fees other than the lower amount of filing fees You would have incurred in a state or federal court. Notwithstanding any other provision herein, You or we may seek relief in a small claims court for Claims within its jurisdiction. In addition, You and we each may exercise any lawful rights to seek provisional remedies or self-help, without waiving the right to arbitrate by doing so. Notwithstanding any other provision of this Agreement, if the foregoing class action waiver and prohibition against class arbitration is determined to be invalid or unenforceable, then this entire Arbitration Agreement shall be void. If any portion of this Arbitration Agreement other than the class action waiver and prohibition against class arbitration is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Agreement. This Arbitration Agreement will survive the termination of these Terms of Use, Your fulfillment or default of Your obligations under these Terms of Use, and/or Your or our bankruptcy or insolvency (to the extent permitted by applicable law). YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. If You do not wish to be bound by this agreement to arbitrate, You must notify us in writing within sixty (60) days after the date You agree to these Terms of Use, including this Agreement. You must send Your request to: Identity Guard Customer Service, P.O. Box 222455, Chantilly, VA 20153-2455. The request must include Your full name, address, account number, and the statement “I reject the Arbitration Agreement contained in the Terms of Use for my Identity Guard Service.” If You exercise Your right to reject arbitration, the other terms of these Terms of Use shall remain in full force and effect as if You had not rejected arbitration.

16. Miscellaneous Provisions

Identity theft insurance is governed by a master policy the terms of which are incorporated herein by reference. The issuance of the policy is evidenced by an insurance certificate, summary of benefits, or other similar document, that has been provided to You. You acknowledge receipt of this information and agree to be bound by the terms, conditions, limitations, and exclusions of the policy. To view these Terms and our website, You must use a supported browser. You may obtain a paper copy of these disclosures by calling 1-855-443-7748. These Terms are governed by the laws of the Commonwealth of Virginia, USA, exclusive of its choice of law principles.

17. Credit Report-Related Disclosures

This product is not intended as a substitute for consumer reports or other information that may be available to You without charge. Under the Fair Credit Reporting Act You are entitled to obtain one free credit file disclosure annually from each of the three nationwide credit reporting systems (Equifax®, Experian®, and TransUnion®) and You may be eligible for additional free reports under certain circumstances, such as, if You are unemployed and intend to apply for employment, if You are receiving public welfare assistance, if You have reason to believe information in Your file is inaccurate as a result of fraud, if You have placed a fraud alert or extended fraud alert on Your file, or if You have been subject to an adverse action based in whole or in part on the contents of Your consumer report.

You also may be entitled to free file disclosures under state law. MA, VT, CO, MD, ME and NJ permit consumers to obtain one credit file per credit reporting agency per year, free of charge. GA permits consumers to obtain two credit files per credit reporting agency per year, free of charge.

NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR A NOMINAL FEE.

The states of MA, VT, CO, NJ, MD and ME permit consumers to obtain one credit report per credit reporting agency per year, free of charge. The state of GA permits consumers to obtain two credit reports per credit reporting agency per year, free of charge.

This Service is not intended to substitute for any free credit report or disclosure that any credit reporting agency or bureau is required by law to provide to You. Neither You nor anyone else has the right to have accurate and current information removed from Your credit report. If information in Your credit report is inaccurate, You have the right to dispute it by contacting the credit bureau directly.

18. Trademark and Copyright

©2018 Intersections Inc. All rights reserved. INTERSECTIONS and IDENTITY GUARD are trademarks or federally registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; Experian is a registered trademark of Experian, Inc.; TransUnion is a registered trademark of TransUnion, LLC; Watson is a trademark of IBM Corporation; and other trademarks are trademarks of their respective owners.

 

Identity Guard Service Terms of Use

The following Service Terms of Use apply to all other Identity Guard products excluding Identity Guard utilizing Watson. For the terms of use that apply to Identity Guard, please scroll back to top.

THESE TERMS ARE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND INTERSECTIONS INC. REGARDING YOUR IDENTITY GUARD® SERVICE. BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE SERVICE, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICE, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND AGREE TO BE BOUND BY THESE TERMS.

Please note the arbitration provision set forth below, requiring you to arbitrate any claims you may have against Intersections Inc. on an individual basis. ARBITRATION ON AN INDIVIDUAL BASIS MEANS THAT YOU WILL NOT HAVE, AND YOU WAIVE, THE RIGHT FOR A JUDGE OR JURY TO DECIDE YOUR CLAIMS, AND THAT YOU MAY NOT PROCEED IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE CAPACITY.

Defined Terms.
As used in these Terms, the following words shall have the following meanings. “Intersections Inc. ” includes “Intersections”, “we”, “us” and variations such as “our”. “Service” includes the products, services and software that you order, receive or access as part of the IDENTITY GUARD® service.

Use of the Service.
You may not use the Service unless you are 18 years of age or older. Any information you provide to us must be true, accurate, current, and complete. You shall not use the Service for any illegal purpose, and you shall abide by all applicable local, state, national, and international laws and regulations. The Service is for your personal use only, and not for commercial purposes. You may not use the Service to obtain information about or make decisions about anyone but yourself. You are solely responsible for any reliance by you on the Service or other use you make of the Service. You understand that not all features of the Service begin immediately upon enrollment and that some time may be required verify information and to commence certain features. We do not provide the Service, or any advice or assistance, for the purpose of improving your credit report, credit history or credit rating.

Personal Information Authorization.
As needed to provide the Service to you, you authorize and instruct us to obtain, monitor and compile your (a) credit information from one or more credit reporting agency(-ies), and (b) “non-public personal information”, “personal information,” and “highly restricted personal information” about you as defined by the Gramm-Leach-Bliley Act (15 U.S.C. §6801 et seq.) and Drivers Privacy Protection Act (18 U.S.C. § 2721 et seq.), respectively, and other personal information.

Limited Software License.
In addition to all other provisions in these Terms, the following provisions apply specifically to the software used, accessed or delivered as part of the PRIVACYPROTECT® software ( the “Software”): Conditioned on your continued compliance with these Terms, the additional terms you will accept upon download, and your purchase of a version of the Service that includes the Software, these Terms provide you with a revocable, limited, non-exclusive, nontransferable license to use the Software solely as part of the Service. Any rights granted hereby may not be sublicensed, leased, sold, transferred or assigned by you to any third party. You may not make any copy of, or allow access to, the Software other than as expressly permitted in these Terms below. The PRIVACYPROTECT®software may be installed on no more than one computer. You may use the Software on a network only if you have a valid license for each copy on each computer on the network. You may not make any copies of that Software or allow anyone or any other device or instrumentality to access or use that Software. You may not use a previous version or copy of the Software after you have received an upgraded version as a replacement of the prior version. Upon upgrading the Software, all copies of the prior version must be destroyed.

Card Registry Services.
This paragraph applies to any card registry services that are included in the Service: By reporting a lost or stolen event to us, you authorize us to contact the issuers of each credit card and bank card (each a “Card”) designated by you and cancel the Card, report the lost or stolen event, or request a new Card, as you request. At the time of the lost or stolen event, we may require you to confirm or restate the foregoing authorization. We or the Card issuer may require additional evidence of the lost or stolen event, including without limitation written confirmation by you or a police report. By requesting an emergency cash advance, you authorize us to contact the Card issuer designated by you and arrange for the cash advance you request. At the time of the lost or stolen event, we may require you to confirm or restate the foregoing authorization. Your request for a cash advance may be denied if you are less than 100 miles from home, fail to provide the requested verification of the event, which may include a police report, are unable to provide the security and other required information, or do not satisfy the conditions of the Card issuer. We are only able to take the actions permitted and processed by your Card issuer. Intersections is not responsible for any failure by any Card issuer to take the action requested on your behalf, or any other action taken or condition imposed by your Card issuer.

Credit Scores.
The following disclosures and disclaimers apply to CreditXpert Inc., Intersections Inc., and their respective affiliates, suppliers and distributors.

The credit scores provided are CreditXpert® ScoresTM which are developed by CreditXpert Inc. (“CXI”) and range from 350 to 850. CXI is not affiliated with or endorsed by Equifax, Experian, TransUnion or FICO. There are many different credit scores in the marketplace, and CreditXpert Scores may not be identical or similar to credit scores produced by any other company, including FICO. CreditXpert Scores are intended to reflect common credit scoring practices, but they are not used by lenders to evaluate your credit. CreditXpert products are not an endorsement or a determination of your qualification for a loan, a change in loan terms or any extension of credit by any lender. Predicted scores and score changes simulated by CreditXpert products are only estimates. CXI does not guarantee that scores from any other company will change by the same amount, in the same way, or at all.

The information generated by CreditXpert® products is based on one or more of your credit reports, which are provided by one or more of the major credit reporting agencies (“credit bureaus”). Your credit reports reflect your credit information at a specific point in time, so they may not yet include recent activity such as charges, payments, credit inquiries and new accounts. Also, your reports may not include all of your credit accounts because lenders and creditors are not required to report information to the credit bureaus. You should carefully review your reports to identify any errors or missing information, because CreditXpert products are only as accurate as the credit report information on which they are based. CXI is not responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit reports or incorrect assumptions about the future.

CXI does not maintain your credit report information and is not able to make any changes to it. CXI does not advise you to dispute any item in your credit report, and cannot initiate any disputes on your behalf. CXI does not provide financial or other advice; it is not a credit bureau, credit reporting agency, credit counseling or credit repair organization. CreditXpert products are provided for educational purposes only.

THE FOREGOING IS NOT INTENDED TO PROVIDE OR IMPLY WARRANTIES OF ANY KIND. CREDITXPERT PRODUCTS ARE PROVIDED ON AN “AS IS” BASIS, AND CREDITXPERT INC. AND ITS SUPPLIERS, DISTRIBUTORS AND AFFILIATES DISCLAIM ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, NON-INTERFERENCE AND/OR ACCURACY OF INFORMATIONAL CONTENT.

Copyright © 2000-2016, CreditXpert Inc. All rights reserved. CreditXpert® is a registered trademark of CreditXpert Inc.

Minor Monitoring.
If your version of the Service includes monitoring for evidence of identity theft of a minor through either the KID SURE service or IDENTITY GUARD® for Kids, in addition to all other provisions in these Terms, the following provisions apply specifically to these services (“Minor Monitoring”). By enrolling a child in Minor Monitoring, You represent and affirm that (a) you are the custodial parent or legal guardian of each child you register for minor monitoring, (b) any documentation that you provide asserting the same is valid, (c) each child that you register for Minor Monitoring legally resides at your address of record, and (d) that as required, you are able and willing to provide a copy of (i) your valid driver’s license, (ii) your child’s social security card, (iii) your child’s birth certificate, and (iv) any other documentation required to verify proof of legal guardianship. You may not enroll more than fifteen children in Minor Monitoring. You agree to notify us in the event that the status of your legal guardianship changes; we reserve the right to cancel each child upon such status change. You must remain an active member in a qualified Service that includes the Minor Monitoring service feature in order to continue to receive the Minor Monitoring service. Enrollment of any child in Minor Monitoring will be cancelled upon any child becoming 18 years old.

Your Account.
Registration as a user or subscriber with the Service requires both a user name and a password, and certain portions of the Service may require use of multiple one-time or persistent passwords. You should consider your user names and passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to the restricted portions of this Service and to your account. You must keep your user name and password confidential. You shall immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your user name and password. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THESE OBLIGATIONS. We reserve the right to delete or change a user name or password at any time and for any reason.

Fees and Charges.
You authorize us to charge your credit card or other account that you have designated. Monthly, annual and other periodic or renewal fees will be charged at the then current rate plus applicable tax. You may cancel the Service at any time by calling 1-800-452-2541. You have the right to cancel your subscription without fee or penalty at any time. In the event you enroll in a free trial of the Service, such free trial shall only be available if you are a first time customer of the Service. Only one free trial may be redeemed per person per 18-month period and we may refuse to register you to obtain any of our Services for any reason, including any of our Services that may be offered by means of a free trial.

Changes to Service, Fees or Terms; Termination.
At any time without notice to you, or liability to you, we may prospectively modify these Terms, or the fees for the Service, or modify or cancel the Service, including without limitation, cancellation of duplicate enrollments and enrollments found to have been made in contravention of these Terms. We reserve the right to terminate your account with or without cause at any time and for any reason. You agree that any termination of your access to the Service may be effected without prior notice. You may terminate your account at any time by calling 1-800-452-2541, which number is also listed on the Intersections Inc. customer service page at www.identityguard.com/contact-us Once your account has been terminated for any reason, you will have no further right or access to use the Service, and you immediately shall cease using and destroy all copies of any Software.

Privacy Policy.
In connection with your enrollment and registration for the Service, or use of the Service, you will be submitting your personal information to us, or allowing us to access your personal information, including account passwords, user names, financial account information and other personal information, as well as other data, materials and content you submit (“Your Information”). BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE SERVICE, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICE, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ OUR PRIVACY POLICY AND AGREE TO BE BOUND BY IT. Subject to our Privacy Policy, you agree that we may use, copy, modify, display and distribute Your Information as we see fit to provide the Service. You represent that you have the right to give us Your Information and authorize its use as described above.

Electronic Notices and Communications.
THE SERVICE IS AN ELECTRONIC, INTERNET-BASED SERVICE. YOU UNDERSTAND AND AGREE THAT THIS AGREEMENT WILL BE ENTERED INTO ELECTRONICALLY, AND THAT THE FOLLOWING CATEGORIES OF INFORMATION (“COMMUNICATIONS”) MAY BE PROVIDED BY ELECTRONIC MEANS: THIS AGREEMENT AND ANY AMENDMENTS, MODIFICATIONS OR SUPPLEMENTS TO IT; ANY INITIAL, PERIODIC OR OTHER DISCLOSURES OR NOTICES PROVIDED IN CONNECTION WITH THE SERVICE, INCLUDING WITHOUT LIMITATION OUR PRIVACY POLICY, THE REGULATORY DISCLOSURES SET FORTH BELOW, AND ANY OTHER COMMUNICATIONS REQUIRED BY FEDERAL OR STATE LAW; AND ANY OTHER COMMUNICATION RELATED TO THE SERVICE. COMMUNICATIONS MAY BE POSTED ON THE PAGES OF THE SERVICE WEBSITE AND/OR DELIVERED TO THE EMAIL OR POSTAL MAIL ADDRESS YOU PROVIDE. YOU SHOULD PRINT A PAPER COPY OF THIS AGREEMENT AND ANY ELECTRONIC COMMUNICATION THAT IS IMPORTANT TO YOU AND RETAIN THE COPY FOR YOUR RECORDS. YOU MAY REQUEST A PAPER COPY OF LEGALLY REQUIRED NOTICE, WITHDRAW YOUR CONSENT TO RECEIVE COMMUNICATIONS ELECTRONICALLY, OR CHANGE YOUR EMAIL OR POSTAL ADDRESS FOR RECEIPT OF COMMUNICATIONS, BY CALLING 1-800-452-2541 OR SENDING YOUR REQUEST BY EMAIL TO CUSTOMERSUPPORT@IDENTITYGUARD.COMTO UPDATE YOUR EMAIL ADDRESS. IF YOU CHOOSE TO WITHDRAW YOUR CONSENT, THEN YOU WILL RECEIVE COPIES OF LEGALLY REQUIRED NOTICES IN PAPER FORM. IN ORDER TO ACCESS AND RETAIN COMMUNICATIONS, YOU MUST HAVE: AN INTERNET BROWSER THAT SUPPORTS 128-BIT ENCRYPTION; AN EMAIL ACCOUNT AND EMAIL SOFTWARE CAPABLE OF READING AND RESPONDING TO YOUR EMAIL; A PERSONAL COMPUTER, OPERATING SYSTEM AND TELECOMMUNICATIONS CONNECTION TO THE INTERNET, OR IN THE CASE OF OUR MOBILE SERVICE, A WIRELESS DEVICE, SOFTWARE AND CONNECTION TO THE INTERNET CAPABLE OF SUPPORTING THE FOREGOING; AND SUFFICIENT ELECTRONIC STORAGE CAPACITY ON YOUR COMPUTER’s HARD DRIVE OR OTHER DATA STORAGE UNIT OR A PRINTER THAT IS CAPABLE OF PRINTING FROM YOUR BROWSER AND EMAIL SOFTWARE.

Export Restrictions.
The Service is only available for purchase by residents of the United States of America (the “U.S.”). Further, you understand and acknowledge that you may not sign up for the PrivacyProtect® portion of the Service, or download the Software, from countries outside of the U.S. You agree to abide by U.S. and other applicable export control and import laws and not to transfer the Software to any country or person prohibited under such laws. Further, you acknowledge that the Software includes encryption capabilities that may be subject to export, import, and/or use controls under U.S. and other applicable laws. Accordingly, in no event may the Software, the underlying information and technology, and/or any support services be downloaded or otherwise exported, transferred, or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Syria, Sudan, the Crimea region of the Ukraine, or any other country or national of a country to which the U.S. has embargoes, sanctions, or other export restrictions; or (ii) to any person or entity prohibited by the U.S. Government, including but not limited to persons and entities on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Denied Parties List or Entities List.

U.S. Government Restricted Rights.
RESTRICTED RIGHTS LEGEND: All Intersections software and documentation are commercial in nature. The Software and Software documentation are “Commercial Items,” as that term is defined in 48 C.F.R. § 2.101, consisting of “Commercial Computer Software” and “Commercial Computer Software Documentation,” as such terms are defined in 48 C.F.R. § 252.227-7014(a)(1) and 48 C.F.R. § 252.227-7014(a)(5). The Software and any related documentation licensed to United States Government end users with only those rights as granted to all other end users will be according to the terms and conditions contained in these Terms and applicable sections of the Federal Acquisition Regulations, including but not limited to 48 C.F.R. §§ 12.212, 227.7202-1, 227.7202-3, and 227.7202-4. . Manufacturer of the PRIVACYPROTECT® software is STRIKEFORCE TECHNOLOGIES, INCORPORATED, Customer Sales and Service, 1090 King Georges Post Road, Suite 108, Edison, New Jersey, 08837, USA.

Proprietary Rights.
You acknowledge and agree that we or our licensors own all rights in and to the Service. Our and our licensors’ rights are protected by laws and regulations, including copyright laws, patent laws and international intellectual property treaties. You are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile any of the Service or technology.

Third-Party Products and Websites. We may offer or provide you access to products, services or websites provided by third parties, including but not limited to promotional or incentive offers, or free services provided by third parties, including the ZoneAlarm® Internet Security Suite and websites that hyperlink to our website. Intersections does not control or bear any responsibility for those websites or third parties, including but not limited to their products or services or use by them of personal information you may provide them.

Representations and Warranties.
THE SERVICE CONTAINS INFORMATION PROVIDED BY ONE OR MORE THIRD-PARTY CREDIT REPORTING AGENCY(-CIES) OR OTHER THIRD-PARTY DATA PROVIDERS. WE DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY SUCH THIRD-PARTY PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT NEITHER WE NOR ANY SUCH THIRD-PARTY PROVIDER HAS ANY OBLIGATION TO CORRECT INFORMATION ABOUT YOU EXCEPT AS REQUIRED BY APPLICABLE LAW. INFORMATION YOU REQUEST MAY NOT BE AVAILABLE OR MAY NOT BE PROVIDED, AND WE HAVE NO LIABILITY FOR SUCH FAILURE. NEITHER WE NOR ANY THIRD-PARTY DATA PROVIDER SHALL BE LIABLE FOR ANY DAMAGES CAUSED BY NON-DELIVERY, DELAYED DELIVERY, OR THE MISDIRECTED DELIVERY OF AN ALERT, UPDATE OR OTHER INFORMATION, INACCURATE OR INCOMPLETE INFORMATION IN AN ALERT, UPDATE OR OTHER INFORMATION, OR YOUR RELIANCE ON OR USE OF ANY ALERT, UPDATE OR OTHER INFORMATION. WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. ANY SOFTWARE, MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK AND YOU SHALL BE SOLELY RESPONSIBLE FOR ANY INJURY, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.

Limitations of Liability.
IN NO EVENT MAY WE, OR ANY LICENSOR OR THIRD-PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, OR SPECIALDAMAGES ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICE MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE DURING THE 12 MONTHS PRIOR TO THE DATE YOUR CLAIM ARISES. SOME JURISDICTIONS LIMIT OR PROHIBIT THE FOREGOING LIMITATIONS, AND IN SUCH JURISDICTIONS THE FOREGOING LIMITATIONS SHALL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY LAW. THIS LIMITATION OF LIABILITY IS ENFORCEABLE IN NEW JERSEY.

AGREEMENT TO ARBITRATE.
Intersections Inc. and/or You may elect to resolve any and all claims and disputes relating in any way to the Service and these Terms or any of our dealings with one another (“Claims”), except for Claims concerning the validity, scope or enforceability of this Arbitration Agreement, through BINDING INDIVIDUAL ARBITRATION. This Arbitration Agreement involves interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (“FAA”), and not by state law. If You or we elect to resolve a dispute by arbitration, neither You nor we will be able to have a court or jury trial or participate in a class action or class arbitration. Other rights that You and we would have if You or we went to court will not be available or will be more limited in arbitration, including discovery and appeal rights. You and we each understand and agree that by allowing each other to elect to resolve any dispute through individual arbitration, WE ARE EACH WAIVING THE RIGHT TO A COURT OR JURY TRIAL. IF ANY PARTY ELECTS ARBITRATION, THAT DISPUTE SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS, AND NOT AS A CLASS ACTION, REPRESENTATIVE ACTION, CLASS ARBITRATION OR ANY SIMILAR PROCEEDING. The arbitrator(s) may not consolidate the claims of multiple parties. Arbitrations shall be administered by the JAMS (“JAMS”) pursuant to the applicable JAMS rules in effect at the time the arbitration is initiated. You may obtain information about arbitration, arbitration procedures and fees from JAMS by calling 800-352-5267 or visiting http://www.jamsadr.com/. If JAMS is unable or unwilling to arbitrate a dispute, then the dispute may be referred to any other arbitration organization or arbitrator we both agree upon in writing or that is appointed pursuant to section 5 of the FAA. The arbitration shall take place at a location that is reasonably convenient for You. The arbitrator shall be authorized to award any relief that would have been available in court, provided that the arbitrator’s authority is limited to You and us alone, except as otherwise specifically stated herein. No arbitration decision will have any preclusive effect as to non-parties. The arbitrator’s decision shall be final and binding. You and we agree that this Arbitration Agreement extends to any other parties involved in any Claims, including but not limited to affiliated companies and vendors. This Arbitration Agreement shall take precedence over the rules of the arbitration organization or arbitrator in the event of any conflict. We will be responsible for paying all arbitration fees other than the lower amount of filing fees You would have incurred in a state or federal court. Notwithstanding any other provision herein, You or we may seek relief in a small claims court for Claims within its jurisdiction. In addition, You and we each may exercise any lawful rights to seek provisional remedies or self-help, without waiving the right to arbitrate by doing so. Notwithstanding any other provision of this Agreement, if the foregoing class action waiver and prohibition against class arbitration is determined to be invalid or unenforceable, then this entire Arbitration Agreement shall be void. If any portion of this Arbitration Agreement other than the class action waiver and prohibition against class arbitration is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Agreement. This Arbitration Agreement will survive the termination of these Terms, Your fulfillment or default of Your obligations under these Terms, and/or Your or our bankruptcy or insolvency (to the extent permitted by applicable law). YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. If You do not wish to be bound by this agreement to arbitrate, You must notify us in writing within sixty (60) days after the date You agree to these Terms, including this Agreement. You must send Your request to: Identity Guard Customer Service, P.O. Box 222455, Chantilly, VA 20153-2455. The request must include Your full name, address, account number, and the statement “I reject the Arbitration Agreement contained in the Terms of Use for my [Insert Product Name – e.g., Identity Guard® Total Protection® service, Identity Guard® Essentials service, etc.].” If You exercise Your right to reject arbitration, the other terms of these Terms shall remain in full force and effect as if You had not rejected arbitration.

Miscellaneous Provisions.
Identity theft insurance is governed by a master policy the terms of which are incorporated herein by reference. The issuance of the policy is evidenced by an insurance certificate, summary of benefits, or other similar document, that has been provided to You. You acknowledge receipt of this information and agree to be bound by the terms, conditions, limitations, and exclusions of the policy. In order to read these Terms electronically and use our Web Site, You must have access to a personal computer with Internet access, a 128 bit java-script enabled browser, and Internet Explorer 5.0 or higher or Netscape 7 or higher installed. You may obtain a paper copy of these disclosures by calling 1-800-214-4791. These Terms are governed by the laws of the Commonwealth of Virginia, USA, exclusive of its choice of law principles.

Credit Report-Related Disclosures.
This product is not intended as a substitute for consumer reports or other information that may be available to You without charge. Under the Fair Credit Reporting Act You are entitled to obtain one free credit file disclosure annually from each of the three nationwide credit reporting systems (Equifax, Experian, and TransUnion) and You may be eligible for additional free reports under certain circumstances, such as, if You are unemployed and intend to apply for employment, if You are receiving public welfare assistance, if You have reason to believe information in Your file is inaccurate as a result of fraud, if You have placed a fraud alert or extended fraud alert on Your file, or if You have been subject to an adverse action based in whole or in part on the contents of Your consumer report.

You also may be entitled to free file disclosures under state law. MA, VT, CO, MD, ME and NJ permit consumers to obtain one credit file per credit reporting agency per year, free of charge. GA permits consumers to obtain two credit files per credit reporting agency per year, free of charge.

NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR A NOMINAL FEE.

The states of MA, VT, CO, NJ, MD and ME permit consumers to obtain one credit report per credit reporting agency per year, free of charge. The state of GA permits consumers to obtain two credit reports per credit reporting agency per year, free of charge.

This Service is not intended to substitute for any free credit report or disclosure that any credit reporting agency or bureau is required by law to provide to You. Neither You nor anyone else has the right to have accurate and current information removed from Your credit report. If information in Your credit report is inaccurate, You have the right to dispute it by contacting the credit bureau directly.

Trademark and Copyright.
© 2016 Intersections Inc. All rights reserved. INTERSECTIONS, IDENTITY GUARD, CREDITPROTECT, CREDITPROTECTX3, CREDIT ESSENTIALS, ID RISK ASSESSMENT, NOTIFY EXPRESS, BASIC PROTECTION, TOTAL PROTECTION, and PRIVACYPROTECT are trademarks or federally registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; Experian is a registered trademark of Experian, Inc.; TransUnion is a registered trademark of TransUnion, LLC; and other trademarks are trademarks of their respective owners. The PRIVACYPROTECT software is provided to You by us under a license from StrikeForce Technologies, Inc.

Effective Date: July 11, 2016