ID Guards Terms and Conditions Agreement
THESE ARE THE TERMS OF OUR AGREEMENT WITH EACH OTHER. BY ACCEPTING ID Guards SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THESE TERMS AND CONDITIONS.
This Terms and Conditions Agreement ("Agreement") identifies what you can expect from ID Guards, and its subsidiaries ("ID Guards") and what ID Guards expects from you. These terms and conditions apply to your purchase of any service offered by ID Guards.
If you do not agree, we cannot allow you to subscribe or continue to use our service.
1.
Description of our Service ("Service"):
A. For individuals eighteen (18) years of age or older, we will, upon enrollment:
(i) request that Equifax, Experian and TransUnion, or other credit bureau as may become appropriate, place fraud alerts on your consumer reports to the extent permitted by 15 U.S.C. § 1681c-1. Your fraud alert will include up to two telephone numbers provided by you. While you are our client, we will attempt to renew these alerts as often as required to keep them active until such time that you notify us that you no longer have a good faith suspicion that you have been or are about to become a victim of fraud or related crime, including identity theft;
(ii) request, to the extent permitted by 15 U.S.C. § 1681b(e), that your name be removed from pre-approved credit card mailing lists;
(iii) request that your name be removed from junk-mail lists by using the opt-out options established by the Direct Marketing Association;
(iv) order, upon enrollment and every four months thereafter, your free annual credit reports from TransUnion, Experian, and Equifax, or other credit bureau as may become appropriate, as permitted by 15 U.S.C. § 1681j(a).
B. In addition, individuals under eighteen (18) years of age must have our Service administered by a parent or legal guardian.
2.
Our Service Guarantee (Warranty) is in support of our Service under this Agreement and is provided without additional charge:
A. If you are our client when someone accesses your personal identifying information and subsequently uses it without your authorization to commit a fraud, due to a failure or defect in our Service, and you have complied with this Agreement, subject to the terms herein, we will pay professionals to assist in restoring any such loss or recover such expenses, as required, provided however that the maximum limit of our Service Guarantee is $1 (one) million per lifetime for all incidents in the aggregate.
B. You must be truthful with us and you must tell us of the use of your personal identifying information without your authorization to commit a fraud within 30 days of first learning of it. You agree to cooperate with those we hire to help you.
C. If you need professional assistance to help remediate damages caused by the failure or defect in our Service, we will arrange for, and cover the expense of, that assistance to be provided to you through persons or firms we select; we will not reimburse fees of professionals or other service providers unless we choose those providers for your particular matter. Any such professionals, if required or applicable, will be licensed in the jurisdiction where your particular matter resides.
D. We will cure any failure or defect in our Service, resulting in damages you incur, subject to the terms of this Agreement as follows:
(i) If the amount involved is over $1,000, we reserve the right to investigate the Service Guarantee request in order to determine whether the request is valid before we do anything else. We will perform our investigation as promptly as we can. If our investigation shows that a reasonable person would conclude that your personal identifying information was used without your authorization to commit a fraud while you were our client and you have complied with all this Agreement, we will perform as described herein.
E. If we find that you intentionally misrepresented damages or committed a fraud related crime and misrepresented that you were our client when your information was misused, you agree to pay us back upon demand any amount we have paid in connection with your claim, including any costs we incur to collect the money from you. Being found guilty of a crime related to the loss which you attributed to identity theft is sufficient evidence to conclude that we are entitled to recover all amounts paid on your behalf as described above, but it is not the only basis upon which we may so conclude.
F. Similarly, should we decline your Service Guarantee request following our investigation and that decision subsequently is determined to have been wrong, we will honor our Service Guarantee.
G. OUR SERVICE GUARANTEE IS SIMPLE, BUT IT IS LIMITED. WE WILL PAY UP TO $1,000,000 TO CURE THE FAILURE OR DEFECT IN OUR SERVICE, PER CLIENT, PER LIFETIME FOR ALL INCIDENTS IN THE AGGREGATE, REGARDLESS OF CIRCUMSTANCE (‡ IN NORTH CAROLINA, WE WILL MAKE PAYMENTS TO PROFESSIONALS WE CHOOSE). WE WILL NOT MAKE PAYMENTS TO YOU FOR ANY LOSS YOU MAY INCUR. OTHER THAN OUR SERVICE GUARANTEE, AND EXCEPT AS OTHERWISE SET OUT HEREIN WE MAKE NO REPRESENTATION OR WARRANTY ABOUT OUR SERVICE OF ANY KIND, AND WE DISCLAIM ANY IMPLIED WARRANTIES OUTSIDE OF OUR SERVICE GUARANTEE, SUCH AS A WARRANTY OF MERCHANTABILITY OR FITNESS OF OUR SERVICE FOR ANY PARTICULAR PURPOSE.
3.
Renewal:
Unless you notify us that you wish to terminate this Agreement and cancel our services by following the instructions in Paragraph 4 , our services will be renewed automatically and you will be charged the then-current Service Fee, which will appear on your monthly phone bill from your local carrier. We reserve the right to increase or decrease the Service Fee for each twelve –month period for services under the monthly billing plan.
4.
Cancellation:
There is no long-term commitment with ID Guards. You can cancel at any time.
To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to IDGuards.net, at 2207 Concord Pike, Suite 592, Wilmington, DE 19803-2908 before midnight on or before the 3rd day of each month, to stop any further charges for that month. Just provide the following;
I hereby cancel my membership with IDGuards.net,
( date )
( name )
( email address on file )
( billing phone number )
( purchaser's signature ).
YOU MAY TERMINATE THIS AGREEMENT AND YOUR MEMBERSHIP AT ANY TIME BY CALLING US AT THE TOLL-FREE NUMBER 1-866-592-4213 OR BY NOTIFYING US IN WRITING AT MEMBER SERVICES, 2207 Concord Pike, Suite #592, Wilmington, DE 19803-2908. YOUR CANCELLATION WILL BE EFFECTIVE PROMPTLY UPON THE RECEIPT OF YOUR CANCELLATION REQUEST. UPON CANCELLATION, DEPENDING UPON THE TERMS YOU AGREED TO, a) UNDER THE MONTHLY PAYMENT PLAN, YOU WILL NOT OWE ANY FURTHER MEMBERSHIP FEES AND WILL NOT BE ENTITLED TO A REFUND OF PAST FEES CHARGED TO YOUR ACCOUNT; AND B) UNDER CERTAIN OTHER PAYMENT PLANS, YOU WILL NOT OWE ANY FURTHER MEMBERSHIP FEES AND WILL NOT BE ENTITLED TO A REFUND OF PAST FEES CHARGED TO YOUR ACCOUNT. DEPENDING UPON THE TERMS YOU AGREED TO, ANY ENROLLMENT, PROCESSING AND/OR TRIAL PERIOD FEES MAY NOT BE REFUNDABLE. WE WILL TERMINATE YOUR MEMBERSHIP IF IT IS NOT USED IN ACCORDANCE WITH THIS AGREEMENT OR HAS NOT BEEN PROPERLY ENROLLED THROUGH AN AUTHORIZED MARKETING OR ADVERTISING PARTNER. WE RESERVE THE RIGHT TO TERMINATE YOUR MEMBERSHIP AT ANY TIME FOR ANY OTHER REASON PROVIDED THAT WE MAKE ANY REFUND DUE TO YOU BASED UPON THE TERMS OF YOUR ENROLLMENT. A MEMBER IS PROHIBITED FROM RE-ENROLLING IN THE PROGRAM FOR AT LEAST THREE (3) MONTHS FROM CANCELLATION
5.
Privacy Policy:
We respect your privacy. Please see on http://www.IDGuards.com/privacy policy, the terms and conditions of which are incorporated into this Agreement. If you do not have access to the website location, please inform us so that we may provide you a hardcopy. You agree to accept the terms of the Privacy Policy as a condition of acceptance of this Agreement.
6.
Information Sharing:
In order to fulfill our services, ID Guards must provide your personal identifying information with third parties including, but not limited to: TransUnion, Experian and Equifax, or other credit bureau as may become appropriate. You agree that ID Guards may provide your information to these third parties. Therefore, you waive any and all claims against ID Guards for the acts and omissions of these companies with regard to the use or disclosure of such information. However, ID Guards will cover any resulting failures that arise from any misuse of your information whether or not attributable to acts of such third parties to the extent covered by the terms set forth in our Service Guarantee.
7.
Refusal of Service:
We will determine whether or not to accept you as a client and provide to you the Service, and we may refuse to provide to you our Service for any reason. These reasons include, but are not limited to, credit review, the unavailability of the Service, and errors in the prices and descriptions pertaining to the Service.
8.
Payment Terms/Taxes:
The payment of our Service Fee (which includes any trial period fee, enrollment or processing fee and shipping and handling charges, as applicable) is made automatically by direct charge(s) to your home phone number that was provided upon signing up for our services. If applicable, in the event that your billing source cannot process the Service Fee due to disputing your phone bill, we may at our discretion ; we may cancel your Services until monthly payment is paid. You are personally responsible for any applicable state and/or federal sales or other taxes that may be associated with the purchase of our Service.
9.
FEES
By agreeing to these terms and conditions you fully understand and agree to allow ID Guards, to charge $12.95 each month to your home phone bill or other method of payment you provided upon signing up with ID Guards, You hereby confirm that you have authorization to place charges on your home phone bill or any other method of payment you have provided us. If you have any questions or would like to cancel anytime please call 1-866-592-4213. Upon cancellation you will not be charged for the following month’s service. It is understood by both parties that all charges before cancellation is non refundable under no circumstances. You understand that if you take advantage of ID Guards, program your total cost for ID Guards, services will total $12.95 each month.
You have the right to dispute the ID Guards, charges on your local phone telephone bill. As a telephone company subscriber, you are not legally responsible for ID Guards, charges incurred by minors or vulnerable adults without your consent. Neither a long distance company nor your local exchange company may disconnect your local telephone service nor long distance service because you refuse to pay a/an ID Guards, charge.
By clicking the send send button on the ID Guards, Inc signup page you are verifying that you are 18 years of age and authorized to make changes to the home phone bill provided upon signup and have agreed to the listed Terms and Conditions.
10.
Authorization:
By accepting these terms and conditions, you expressly authorize ID Guards’ authorized employees to: complete and execute on your behalf documents required to provide the Service; speak to parties on your behalf as required to provide the Service; and, act as your personal representative under 15 U.S.C. § 1681c-1, under which consumers or their authorized representatives have the right to obtain fraud alerts. In addition, in the event of, and as a condition to, you exercising your right to our Service Guarantee, you agree to execute a Limited Power of Attorney authorizing ID Guards performance. Consistent with this Agreement, when you invoke our Service Guarantee, ID Guards shall promptly provide you such Limited Power of Attorney document and shall begin such assistance after we receive your executed Limited Power of Attorney authorizing our assistance.
11.
Disclaimers and Limitation of Liability:
ID Guards assumes no responsibility for errors or omissions in the information or other documents which are referenced by or linked to ID Guards's web site. As noted above, and except as otherwise set out herein, we will not be liable for any special, incidental, indirect or consequential damages of any kind, nor any damages whatsoever other than as set forth in our Service Guarantee. ID Guards will not be liable for any failure or delay resulting from fire, explosion, flood, storm, act of God, government acts, orders or regulations, hostilities, civil disturbance, strike, labor difficulties, machinery breakdown, Internet or telecommunications failure, or any other similar event beyond the reasonable commercial control of ID Guards.
12.
Governing Law:
This agreement and any Service provided hereunder will be governed by the laws of the state of Delaware, without regard to any Delaware laws that would direct the choice of another state's laws and, where applicable, to be governed by the federal laws of the United States. Subject to paragraph 12 (which provides for arbitration of claims between us to the maximum extent possible), you irrevocably and unconditionally consent to submit to the exclusive jurisdiction of the federal or state courts in the State of Delaware for any dispute or litigation arising out of, or relating to, the use or purchase of any Service from ID Guards, and waive any objection to the laying of venue of any such litigation in Delaware courts and agree not to claim that such litigation brought therein has been brought in an inconvenient forum; in other words, if we have a dispute, you agree to resolve it in an Delaware court.
13.
Arbitration:
Both you and we agree that any dispute, controversy or claim arising out of, or relating to, any interpretation, construction, performance or breach of this Agreement or the Service shall be settled by confidential arbitration , in accordance with the American Arbitration Association’s ("AAA") Commercial Arbitration Rules (including without limitation the Supplementary Procedures for Consumer-Related Disputes) then in effect. The arbitrator may grant injunctions or other relief in such dispute or controversy. A single arbitrator with knowledge of electronic commerce will conduct the arbitration and the parties will mutually agree upon such arbitrator. In the event that the parties have not agreed on an arbitrator within thirty (30) days of the date of the notice of intention to arbitrate, the arbitrator will be selected by AAA from its list of commercial arbitrators. The arbitrator will conduct a single hearing no longer than one day in duration for the purpose of receiving evidence and will render a decision within fifteen days after the conclusion of the hearing. The decision of the arbitrator will be final, conclusive and binding on the parties to the arbitration. Judgment may be entered on the arbitrator’s decision in any state or federal court. Although the cost of the arbitrator will be borne by ID Guards, all other expenses of arbitration will be paid by the party who incurred them. These expenses are not part of our Service Guarantee. In addition to, and separate and apart from, the above agreement to arbitrate any dispute, controversy or claim arising out of, or relating to, any interpretation, construction, performance or breach of this Agreement or the Service, you also agree that you will not participate in any way in any class action in connection with any such dispute, controversy or claim, either as a class representative plaintiff or as a member of a putative class.
14.
Change of Terms:
We may revise this Agreement at any time. However, we may not make any changes retroactive. We will notify you of any changes at the e-mail address or mailing address associated with your account. If you do not contact ID Guards and express your objection to our changes within thirty (30) days of receiving this notice, you shall be deemed a continuing use client and agree to be bound by any such revisions.
If you fail to comply with any of these terms and conditions, we may at any time terminate your rights under this Agreement at our sole discretion and without prior notice. However, we may not void our responsibilities under our Service Guarantee for damages that arise prior to any termination by us of the Service Guarantee.
15.
Indemnification:
You agree to indemnify, defend and hold ID Guards and any of its affiliates and all of their agents, directors, employees, information providers and licensors and licensees harmless from and against any and all liability and costs (including attorneys' fees and costs) incurred by any of these parties in connection with any claim arising out of any willful or intentional breach by you of these terms and conditions. In the event that either (a) you are the subject of claims for which you properly seek damages from us under these terms and conditions, or (b) we are subject to any claim for which we have the right to be indemnified by you, we reserve the right at our expense in the case of claims in clause (a) and at your expense in the case of claims in clause (b), to assume the exclusive defense and control of any such claim, and you will not in any event settle any such claim without our written consent.
16.
Trademarks, Copyrights and Restrictions: ID Guards and the ID Guards logo are trademarks of Doink Media, LLC.
Everything you see in any promotional materials is copyrighted by ID Guards unless otherwise specified. All other product names and company logos found on promotional materials are the trademarks of their respective owners. All promotional materials are protected by copyrights, which are owned or licensed by ID Guards. You may not reproduce, perform, create derivative works from, republish, upload, post, transmit, or distribute in any way whatsoever any ID Guards information without the express, written consent of Doink Media, LLC.
17.
INSURANCE:
ID Guards is neither an insurance company nor an agent for any insurance company and does not sell, solicit or negotiate insurance.
18.
Miscellaneous:
These terms and conditions may not be altered, supplemented, or amended by you by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for the Service which is subject to additional or altered terms and conditions will be null and void, unless agreed to in writing and signed by you and ID Guards. The section headings used herein are for convenience of reference only and do not form a part of these terms and conditions, and no construction or inference will be derived there from. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable and shall not affect the enforceability of any other provision.
19.
Description of your obligations:
You agree that you are only providing your own personal information and not the information of any other individual. You agree that the information you provide during the registration process and any subsequent information you provide to ID Guards will be true, accurate, and current. YOU ARE OBLIGATED TO CONTACT ID GUARDS CLIENT SERVICES IN THE EVENT THAT ANY INFORMATION YOU HAVE PROVIDED ID GUARDS HAS CHANGED. In addition, you agree that you will not purposely engage in behavior that will put your personal information at unnecessary risk, such as leaving your PIN or passwords in obvious places or publishing your Social Security Number. You additionally agree that you have a good faith suspicion that you have been or are about to become a victim of fraud or related crime, including identity theft, that you want to obtain fraud alerts under 15 U.S.C. § 1681c-1, and that you will notify ID Guards immediately if and when you no longer have such a good faith suspicion. You agree to comply with all applicable laws and regulations and that you are buying the Service for your own use only. You agree that you are eighteen (18) years of age or older.
You agree to pay us the fee we publish for our Service, less any discounts to which you may be entitled.
20.
FCRA DISCLOSURES:
The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:
-You have been denied credit, insurance or employment in the past 60 days as a result of your report
-You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
-You are a recipient of public welfare assistance
-You have reason to believe that your file at the agency contains inaccurate information due to fraud
The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information from ID Guards, to dispute inaccurate or incomplete information in your Experian file or to receive a copy of your Experian consumer credit report.
The credit report you are requesting from ID Guards, is not intended to constitute the disclosure of Experian information required by the FCRA or similar state laws. Experian's National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by ID Guards, . This disclosure report must be obtained directly from Experian by going to www.experian.com/dispute.
Beginning December 1, 2004, the FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies (Experian, Equifax, and TransUnion) once every three months through a central source. Georgia residents can receive two disclosures per year. Although comprehensive, the credit reports from each of the three national credit reporting companies that are available from ID Guards, 's Web Sites may not have the same information as a credit report obtained directly from the three national credit reporting companies or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. The Products on this Web Site are not related to the free FCRA disclosure that you are or may be entitled to.
21.
CREDIT REPAIR ORGANIZATION ACT
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580.
(b) Separate Statement Requirement.--The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer.
(c) Retention of Compliance Records.
(1) In general.--The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.
(2) Maintenance for 2 years.--The copy of any consumer's statement shall be maintained in the organization's files for 2 years after the date on which the statement is signed by the consumer.
22.
Agreement Assent:
YOU AND ID GUARDS HAVE ENTERED INTO THIS AGREEMENT, WHETHER ELECTRONICALLY, BY RECORDED VOICE AUTHORIZATION, OR VIA PHYSICAL COPY, INTENDING TO BE BOUND BY YOUR ACCEPTANCE OF THE AGREEMENT. IN THE FUTURE, YOU AGREE TO BE BOUND TO THESE SPECIFIC TERMS AND CONDITIONS OF SALES, AND MODIFICATIONS TO THIS AGREEMENT, BY CONTINUING TO USE OUR SERVICE AFTER WE HAVE NOTIFIED YOU OF THOSE TERMS AND CONDITIONS. NOTIFICATIONS, OR ANY OTHER COMMUNICATIONS, INCLUDING BILLING, PAYMENT, AND/OR DISCLOSURES WILL BE MADE VIA THE MAIL, TELEPHONE, OR EMAIL ADDRESS ASSOCIATED WITH YOUR ACCOUNT. THIS AGREEMENT MAY BE PRINTED OR RETAINED BY YOU FOR FUTURE REFERENCE.
23. You may withdraw your acceptance of this agreement at any time by notifying ID Guards Customer Services by phone or in writing. Upon notification of your withdrawal of acceptance, ID Guards will cancel your service.
24. Acknowledgment: The Agreement, including all documents referred to herein, represents the entire understanding between you and ID Guards regarding your relationship with ID Guards and supersedes any prior statements or representations. When using or purchasing the ID Guards Service, you agree to be bound by these terms and conditions. Thank you for your business.
