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EXPERIAN IDENTITYWORKS TERMS OF USE AGREEMENT


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EXPERIAN IDENTITYWORKS℠TERMS OF USE AGREEMENT

Revised 09/28/2020

(Please note that our Terms of Use Agreement is also referred to as the "Terms
and Conditions")

OVERVIEW AND ACCEPTANCE OF TERMS

You agree that by creating an account with ECS (as defined below) for Experian
IdentityWorksSM, or accessing or using our Services (as defined below),
website(s) for an Experian IdentityWorks account (such as this website,
ExperianIDWorks.com), or mobile applications for an Experian IdentityWorks
account, if made available to you, as well as any content provided or accessible
in connection with the website(s) or mobile application(s), including
information, user interfaces, source code, reports, images, products, services,
and data (each website and mobile application referred to herein as a "Website,"
and collectively, as "Websites"), you represent to ECS that you have read,
understood, and expressly consent and agree to be bound by this Terms of Use
Agreement, and the terms, conditions, and notices contained or referenced herein
("Agreement") whether you are a "Visitor" (which means that you simply browse or
access a Website), or a "Customer" (which means that you have created an
Experian Identity Works account with ECS, or enrolled or registered with a
Website, or are accessing or using a Service).

At Customer's election, Customer may, from time to time, request to receive, and
ECS may provide, as part of an Experian IdentityWorks account, data breach or
security incident related sponsored memberships or services subject to a fee,
whether a recurring fee or a one-time transactional fee (each a "Service")), and
Customer's receipt and use of such Services shall, at all times, be subject to
this Agreement. The term "Service" includes, but is not limited to, the
provision of any of our products and services as part of an Experian
IdentityWorks account, including credit report(s), credit risk score(s), credit
monitoring, identity theft protection and surveillance monitoring, credit score
monitoring and credit score tracking (including all the data and information
contained therein), the receipt of any alerts notifying you of changes to the
information contained in your credit report(s), regardless of the manner in
which you receive the Services, whether by email or mail, through a website or
mobile application, by telephone, or through any other mechanism by which a
Service is delivered or provided to you. The term "you" or "User" refers to a
Visitor or a Customer. For purposes of this Agreement, the terms "we," "us" or
"ECS" refer to ConsumerInfo.com, Inc., an Experian® company (also known as
Experian Consumer Services), and referred to as "Experian" on the Websites, its
predecessors in interest, successors and assigns, and any of its third party
service providers (including, without limitation, cloud service providers) who
ECS uses in connection with the provision of the Services to you. If you are a
Visitor and do not wish to be bound by this Agreement, you should immediately
cease accessing and using the Websites. Notwithstanding the immediate preceding
sentence, if you are a Visitor and continue to access and use a Website, by
virtue of your continued access and/or use of the Website, you are indicating
your acceptance of this Agreement and agreement to be bound by the terms and
conditions contained herein. If you wish to become a Customer and make use of
the Services, you will be prompted during the registration process to agree, and
must agree, to be bound by this Agreement.

For the avoidance of doubt, this Agreement expressly applies to: (a) your access
to and use of the Websites; (b) any and all transactions between you and ECS
through the Websites, including for the provision of any Services or of any
credit, personal, financial, identity theft protection or other information
delivered as part of or in conjunction with Services related to sponsored
memberships provided in connection with a data breach or security incident or
paid Services, including any such information that may be archived to the extent
made available on the Websites, such as (i) for your purchase of non-membership
based Services in an Experian IdentityWorks account such as a 3 Bureau Credit
Report and/or an Experian Credit Report, (ii) enrollment, purchase and use of
membership based Services in an Experian IdentityWorks account; and (iii) your
access to and use of calculators, credit resources, text, pictures, graphics,
logos, button items, icons, images, works of authorship and other information
and all revisions, modifications, and enhancements thereto contained in the
Websites.

You may not browse the Websites, or create an Experian IdentityWorks account or
register with ECS, or use or enroll in any Services, and you may not accept this
Agreement, if you are not of a legal age to form a binding contract with ECS. If
you accept this Agreement, you represent that you have the capacity to be bound
by it. Before you continue, you should print or save a local copy of this
Agreement for your records.

THE SERVICES AND WEBSITES ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED
HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THIS AGREEMENT
CAREFULLY. YOUR ACCEPTANCE OF, ORDER OF, USE OF, AND/OR ACCESS TO, THE SERVICES
AND WEBSITES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND
CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR
CONDITIONS, DO NOT USE, ACCESS OR ORDER ANY SERVICE OR ACCESS OR USE THE
WEBSITES. IF YOU HAVE ALREADY BEGUN ACCESSING OR USING THE SERVICES AND/OR
WEBSITES AND DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, IMMEDIATELY CEASE USING
THE SERVICE OR WEBSITE AND/OR DISCARD ANY INFORMATION OR PRODUCTS YOU RECEIVED
VIA ANY SERVICE OR WEBSITE (TO THE EXTENT APPLICABLE), AND CALL CUSTOMER CARE AT
1-877-890-9332 TO CANCEL YOUR ACCOUNT WITH ECS. NOTE, YOU MAY ALSO BE ABLE TO
DEACTIVATE YOUR PAID SERVICE AND RETAIN YOUR ACCOUNT WITH ECS ONLINE, AS AND TO
THE EXTENT EXPLAINED IN FURTHER DETAIL BELOW.

PERMISSIBLE PURPOSE AND CONSENTS

You understand and agree that, by establishing an Experian IdentityWorks account
with ECS, or submitting your order or enrolling for any Service (including an
order for a Service that includes enrollment of your minor child in such
Service), you have provided "written instructions" in accordance with the Fair
Credit Reporting Act, as amended ("FCRA"), for ECS, and its service provider,
CSIdentity Corporation (“CSID) to obtain your credit report and/or credit
score(s) (or the credit report or credit score(s) of any minor children whom you
have enrolled in a Service) on a recurring basis to provide them to you while
you have an account with ECS, and such information may be obtained Experian
Information Solutions, Inc. ("Experian Credit Bureau") or any other credit
reporting company. You understand and agree that, pursuant to such
authorization, ECS, and its service provider, CSID, may access your credit
profile (and those of any minor children whom you have enrolled in a Service),
including without limitation, your credit report, credit score(s) and other
related information, to, among other things, verify your identity (or those of
any minor children whom you have enrolled) and to provide credit monitoring,
credit scoring, credit score monitoring and tracking, identity monitoring,
alerts for, among other things, dormant accounts, new accounts, inquiries, other
changes to information contained in your credit report, identity restoration,
card registry products, address history reports, name and alias reports, and
criminal reports or sex offender reports. You understand and agree that ECS, and
its service provider, CSID, may, from time to time, provide additional products,
services, features and/or functionality to you, and that they shall be offered
pursuant to the same authorization that you provided to ECS for ECS to obtain
your credit report and/or credit score(s) on a recurring basis to provide them
to you to review while you have an account with ECS.

AMENDMENTS

This Agreement may be updated from time to time. You should check this Website
regularly for updates to this Agreement. Each time you order, access or use any
of the Services or Websites, you signify your acceptance and agreement, without
limitation or qualification, to be bound by the then current Agreement.
Modifications take effect as soon as they are posted to this Website (or any of
the Websites, to the extent applicable to you), delivered to you, or reasonably
made available to you in writing by ECS. However, no unilateral amendment will
retroactively modify the parties' agreed-to dispute resolution provisions of
this Agreement for then-pending disputes, unless the parties expressly agree
otherwise in writing. In all other respects, any modification or update to the
arbitration provision shall be governed by subsection (g) of the Agreement's
"Dispute Resolution By Binding Arbitration" Section below.

MODIFICATION OF SERVICES OR WEBSITES

ECS may, at its discretion, modify or discontinue any of the Services or
Websites, or any portion thereof, with or without notice. You agree that ECS
will not be liable to you, your minor children or any third party for any
modification or discontinuance of any of the Service or Websites.

GENERAL DESCRIPTION OF SERVICES

The Services and Websites are meant to provide you a means, among other things,
to review your personal finance and/or credit information for educational
purposes only. The Services and Websites are meant for your personal use only.
The Services and Websites may also provide you other third-party product
information, such as the availability of loans and other financial products or
services, or credit related products or services (including credit repair or
other credit education services). This includes receiving offers free of charge
for various credit or other financial products or services based upon your
self-identified credit attributes (and/or your consumer report or credit score).
These offers may also be generic and may not contain offers based on information
specific to you.

If made available to you, some of the Services (may require a fee at the time of
Service purchase or enrollment, such as membership Services that require the
payment of an ongoing fee for ECS's provision of such Services. By purchasing
such Services and providing payment information, you represent that you are
authorized to utilize the payment method presented and agree to pay the
specified fee for paid Services, including any method offered or used through a
mobile application. Furthermore, you agree and authorize us to, for time to
time: (i) submit a transaction using the card information provided, (ii) in the
case of automatic recurring transactions, submit a transaction on a recurring
basis (e.g., monthly or annual basis) for membership renewals, (iii) if
necessary, obtain updates from card issuers for cards provided to us, (iv) if
necessary, bill you, in a prorated manner (as required), in accordance with the
particular fee terms for the Service you are purchasing or enrolling in,
including if you are transitioning between free or paid Services (or vice
versa), when a recurring basis transaction is at issue, and (v) if necessary
(and applicable) bill your mobile carrier or others via a mobile application if
you authorize us to do so. You may cancel your subscription or enrollment for an
ongoing paid Service at any time by calling Customer Care or by using any other
method specified on the Websites.

You acknowledge and agree that ECS (including its Services and/or Websites) has
not and does not provide you (or any minor child enrolled in a Service) legal,
tax, financial, or other advice (including, without limitation, advice on how to
improve or repair your credit or credit scores), and that its Services and/or
Websites are not designed or intended to provide any such advice.

ACCOUNT WITH ECS; USE OF THE SERVICES

In consideration of your Experian IdentityWorks account with ECS, and/or your
order of, access to, and/or use of any Service or Website, you agree to provide
true, accurate, complete and current information about yourself and any minor
children you are enrolling, or have enrolled, in any Service, when prompted to
do so by the registration and application forms or requested to do so by ECS. If
any information you provide is untrue, inaccurate or not current, or if ECS has
reasonable grounds to suspect that such information is untrue, inaccurate or not
current, ECS, at its sole discretion, has the right to suspend or terminate your
account, or order of, use of, and/or access to, any Service or Website, and
refuse all current or future orders of, use of, and/or access to, any Service or
Website, or suspend or terminate any portion thereof. You acknowledge and agree
that ECS may, in its sole discretion, retain any information you provide to it
or generated by ECS (or its affiliates/suppliers) while you have an account with
ECS, including any information about you (or any minor child you are enrolling,
when enrolling in any Service) and any credit card or payment or other
information obtained in connection with your account and/or the provision of any
Service. If ECS does retain any such information, you acknowledge it is not
obligated to retain that information for any specified period of time.

DISPUTE RESOLUTION BY BINDING ARBITRATION

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.

SUMMARY:

MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER'S
SATISFACTION BY CALLING ECS'S CUSTOMER CARE DEPARTMENT AT 1-877-890-9332. IN THE
UNLIKELY EVENT THAT ECS'S CUSTOMER CARE DEPARTMENT IS UNABLE TO RESOLVE A
COMPLAINT YOU MAY HAVE REGARDING A SERVICE OR WEBSITE TO YOUR SATISFACTION (OR
IF ECS HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING
TO DO SO INFORMALLY), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING
ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION
TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A
LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR
JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY
LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT
A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN
INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. ECS
WILL PAY ALL COSTS OF ARBITRATION, NO MATTER WHO WINS, SO LONG AS YOUR CLAIM IS
NOT FRIVOLOUS. HOWEVER, IN ARBITRATION, BOTH YOU AND ECS WILL BE ENTITLED TO
RECOVER ATTORNEYS' FEES FROM THE OTHER PARTY TO THE SAME EXTENT AS YOU WOULD BE
IN COURT.

Arbitration Agreement:

(a) ECS and you agree to arbitrate all disputes and claims between us arising
out of this Agreement directly related to the Services or Websites, except any
disputes or claims which under governing law are not subject to arbitration.
This agreement to arbitrate is intended to be broadly interpreted and to make
all disputes and claims between us directly relating to the provision of any
Service and/or your use of any Website subject to arbitration to the fullest
extent permitted by law. However, for the avoidance of doubt, any dispute you
may have with us arising out of the Fair Credit Reporting Act (FCRA) relating to
the information contained in your consumer disclosure or report, including but
not limited to claims for alleged inaccuracies, shall not be governed by this
agreement to arbitrate. The agreement to arbitrate otherwise includes, but is
not limited to: claims arising out of or relating to any aspect of the
relationship between us arising out of any Service or Website, whether based in
contract, tort, statute (including, without limitation, the Credit Repair
Organizations Act) fraud, misrepresentation or any other legal theory; claims
that arose before this or any prior Agreement (including, but not limited to,
claims relating to advertising); claims that are currently the subject of
purported class action litigation in which you are not a member of a certified
class; and claims that may arise after the termination of this Agreement.

For purposes of this arbitration provision, references to "ECS," "you," and "us"
shall include our respective parent entities, subsidiaries, affiliates
(including, without limitation, our service provider, CSID), agents, employees,
predecessors in interest, successors and assigns, websites of the foregoing, as
well as all authorized or unauthorized users or beneficiaries of Services and/or
Websites or information under this or prior Agreements between us relating to
Services and/or Websites. Notwithstanding the foregoing, either party may bring
an individual action in small claims court. You agree that, by entering into
this Agreement, you and ECS are each waiving the right to a trial by jury or to
participate in a class action. This Agreement evidences a transaction in
interstate commerce, and thus the Federal Arbitration Act governs the
interpretation and enforcement of this arbitration provision. This arbitration
provision shall survive termination of this Agreement.

(b) A party who intends to seek arbitration must first send to the other, by
certified mail, a written Notice of Dispute ("Notice''). The Notice to ECS
should be addressed to: General Counsel, Experian, 475 Anton Boulevard, Costa
Mesa, CA 92626 ("Notice Address''). The Notice must describe the nature and
basis of the claim or dispute and set forth the specific relief you seek from
ECS ("Demand''). If ECS and you do not reach an agreement to resolve the claim
within 30 days after the Notice is received, you or ECS may commence an
arbitration proceeding. During the arbitration, the amount of any settlement
offer made by ECS or you shall not be disclosed to the arbitrator until after
the arbitrator determines the amount, if any, to which you or ECS is entitled.

You may obtain more information about arbitration from www.adr.org.

(c) After ECS receives notice at the Notice Address that you have commenced
arbitration, it will promptly reimburse you for your payment of the filing fee.
(The filing fee currently is $200 for claims under $10,000, but is subject to
change by the arbitration provider. If you are unable to pay this fee, ECS will
pay it directly upon receiving a written request at the Notice Address.) The
arbitration will be governed by the Commercial Dispute Resolution Procedures and
the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA
Rules") of the American Arbitration Association ("AAA"), as modified by this
Agreement, and will be administered by the AAA. If the AAA is unavailable or
refuses to arbitrate the parties' dispute for any reason, the arbitration shall
be administered and conducted by a widely-recognized arbitration organization
that is mutually agreeable to the parties, but neither party shall unreasonably
withhold their consent. If the parties cannot agree to a mutually agreeable
arbitration organization, one shall be appointed pursuant to Section 5 of the
Federal Arbitration Act. In all events, the AAA Rules shall govern the parties'
dispute. The AAA Rules are available online at www.adr.org, by calling the AAA
at 1-800-778-7879, or by writing to the Notice Address.

All issues are for the arbitrator to decide, including the scope and
enforceability of this arbitration provision as well as the Agreement's other
terms and conditions, and the arbitrator shall have exclusive authority to
resolve any such dispute relating to the scope and enforceability of this
arbitration provision or any other term of this Agreement including, but not
limited to any claim that all or any part of this arbitration provision or
Agreement is void or voidable. The arbitrator shall be bound by the terms of
this Agreement. Unless ECS and you agree otherwise, any arbitration hearings
will take place in the county (or parish) of your billing address. If your claim
is for $10,000 or less, we agree that you may choose whether the arbitration
will be conducted solely on the basis of documents submitted to the arbitrator,
through a telephonic hearing, or by an in-person hearing as established by the
AAA Rules. If your claim exceeds $10,000, the right to a hearing will be
determined by the AAA Rules. Except as otherwise provided for herein, ECS will
pay all AAA filing, administration and arbitrator fees for any arbitration
initiated in accordance with the notice requirements above. If, however, the
arbitrator finds that either the substance of your claim or the relief sought in
the Demand is frivolous or brought for an improper purpose (as measured by the
standards set forth in Federal Rule of Civil Procedure 11(b), then the payment
of all such fees will be governed by the AAA Rules. In such case, you agree to
reimburse ECS for all monies previously disbursed by it that are otherwise your
obligation to pay under the AAA Rules.

(d) The arbitrator may make rulings and resolve disputes as to the payment and
reimbursement of fees and expenses at any time during the proceeding or in the
final award, pursuant to applicable law and the AAA Rules.

(e) Discovery and/or the exchange of non-privileged information relevant to the
dispute will be governed by the AAA Rules.

(f) YOU AND ECS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR
OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY
PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and ECS
agree otherwise, the arbitrator may not consolidate more than one person's
claims, and may not otherwise preside over any form of a representative or class
proceeding. The arbitrator may award injunctive relief only in favor of the
individual party seeking relief and only to the extent necessary to provide
relief warranted by that party's individual claim. If this specific subparagraph
(f) is found to be unenforceable in its entirety, then the entirety of this
arbitration provision shall be null and void.

(g) Notwithstanding any provision in this Agreement to the contrary, we agree
that if ECS makes any change to this arbitration provision (other than a change
to the Notice Address) during your membership in any Service, including credit
monitoring, or subsequent to your purchase of any Service, you may reject any
such change and require ECS to adhere to the language in this provision as
written at the time of your enrollment or purchase if a dispute between us
arises regarding such Service.

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 ECS to dispute
inaccurate or incomplete information in your Experian Credit Bureau file or to
receive a copy of your Experian Credit Bureau consumer disclosure.

If applicable, the credit report you are requesting from ECS is not intended to
constitute the disclosure of Experian Credit Bureau information required by the
FCRA or similar state laws. Experian Credit Bureau's National Consumer
Assistance Center provides a proprietary consumer disclosure that is different
from the consumer credit report provided by ECS. This disclosure report must be
obtained directly from Experian Credit Bureau by going to
www.experian.com/dispute, or by calling 888- EXPERIAN.

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 Credit Bureau, Equifax®, and TransUnion®) once
every 12 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 ECS 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, or call 877-322-8228. ECS's Services are not related
to the free FCRA disclosure that you are or may be entitled to.

TERRITORIAL RESTRICTIONS

Unless otherwise specified, the Services made available through the Websites are
intended for use by U.S. consumers only. We make no representations or
warranties that the information, products or services provided through the
Services or the Websites are appropriate for access or use in other
jurisdictions.

Recognizing the global nature of the Internet, however, you agree to comply with
all local laws including, without limitation, laws about the Internet, data,
email, export, or privacy. Specifically, you agree to comply with all applicable
laws regarding the transmission of technical data exported from the U.S. and the
country in which you reside. Notwithstanding the above, we reserve the right to
limit the availability of the Services or the provision of any Services to any
person, geographic area, or jurisdiction, at any time and in our sole
discretion.

COMPLIANCE WITH LAW AND NOTICE OF PROSECUTION

Your access and use of the Services and Websites must comply with all applicable
laws, rules and regulations. Unauthorized access and use of the Services and/or
Websites is expressly prohibited. For online customers, access to and use of
password protected and/or secure areas of the Websites are restricted to
authorized users only. Unauthorized individuals attempting to access these areas
of the Websites may be subject to prosecution.

Further, failure to comply with all applicable laws, including but not limited
to the FCRA, can result in state or federal enforcement actions, as well as
private lawsuits. In addition, any person who knowingly and willfully obtains a
consumer credit report or disclosure under false pretenses may face criminal
prosecution.

AUTHENTICATION

ECS will use commercially reasonable efforts to provide Services to you in a
timely manner, including, if applicable, instant online delivery of your credit
report for online customers when available/

PERSONAL INFORMATION

ECS, and its service provider, CSID, may use your personal information to the
extent necessary to authenticate your identity, process your order or request
for, and provide, the Services to you, as well as for quality assurance, account
and business maintenance, and such other business uses in accordance with
applicable law.

RECEIPT, REVIEW AND ACCEPTANCE OF PRIVACY AND POLICIES

By establishing an account with ECS, or submitting your order for or enrolling
in any Service, you acknowledge receipt of our Privacy Policy, acknowledge that
you have reviewed this policy, and agree to be bound by its terms. This policy
can be accessed here: Privacy Policy. Your agreement to be bound by this
Agreement includes your agreement to be bound by the Privacy Policy, subject to
the express terms contained in such policy. If you do not agree to the terms of
the Privacy Policy, you should cease accessing and using the Services and
Websites (including by cancelling your account with ECS). Notwithstanding the
immediately preceding sentence, you agree to be bound by the Privacy Policy upon
submitting information to ECS to submit your order or enroll in any Service,
even if you do not ultimately consummate your order or enrollment for a Service.

ONLINE AND/OR MOBILE APPLICATION REQUIREMENTS

You must have an email address and provide the same to ECS, and have a
Java-compatible browser to receive and/or access your Services online via a
mobile application, if applicable. As an online (or mobile application)
customer, you are agreeing to receive all notifications via email at the email
address on file with ECS. You are obligated to update the email address on file
when your email address changes. In the event that ECS is unable to deliver
email messages to you, you agree to accept Service notifications in an
alternative method, such as direct mail or SMS messages, if such functionality
is made available to you. If made available to you, we strongly encourage you to
select SMS messaging as an alternative method of receiving notifications and
alerts. You may select this method by accessing your Customer homepage online
and changing your Alert Settings. Please note, mobile messaging rates may apply.
All service alerts are also accessible online in your Alerts Center of your
account.

The Services may offer features and services that are available to you via a
Website, such as a mobile applications or mobile website. Standard messaging,
data and other fees may be charged by your carrier. By using the mobile
features, you agree to be bound by the terms of this Agreement and further agree
that we may bill your carrier (if applicable) for any Services you authorize.
You may also purchase services via mobile applications of third parties. Any
third party mobile application purchases shall be governed by the purchase terms
and conditions of the third party from which you are purchasing services.

In the event that you fail to or otherwise do not update your email address or
mobile phone number on file with ECS, and thus ECS is unable to deliver email or
SMS messages to you, if SMS messages are made available to you, you nonetheless
understand and agree that any paid Service will be fulfilled at the price agreed
upon at the time that you placed your order or enrolled in the Service.

NO WARRANTY BY ECS

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND WEBSITES IS
AT YOUR SOLE RISK. ALL SERVICES AND WEBSITES ARE PROVIDED ON AN "AS IS" OR "AS
AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ECS
(AND ITS AFFILIATES AND SUPPLIERS) EXPRESSLY DISCLAIM ALL WARRANTIES OR
GUARANTEES OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO,
THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THE SERVICES AND WEBSITES
OR OTHER MATERIALS YOU MAY RECEIVE FROM ECS DO NOT CONSTITUTE LEGAL, TAX,
ACCOUNTING OR OTHER PROFESSIONAL ADVICE. ECS (AND ITS AFFILIATES AND SUPPLIERS)
MAKE NO WARRANTY THAT (I) THE SERVICES ARE ACCURATE, TIMELY, SECURE,
UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTS THAT MAY BE OBTAINED FROM THE
USE OF THE SERVICES WILL BE RELIABLE.

SPONSORED MEMBERSHIPS

This section only applies to members who have been affected by a data breach or
security incident of the organization that has contracted with ECS for ECS to
make certain Services and the Service Website available to you. In the context
of a sponsored membership, you may be required to provide the engagement number
or other identifying information (such as an activation, promotional or
redemption code) as proof of eligibility for you to receive access to or use of
the Services and Service Website at no charge to you, during the call with
customer care team or at any time during the course of ECS’s provision of the
Service. Please review your notification letter and the affected organization’s
website or media posting (including press releases related to the security
incident, if any) to (i) determine the Services made available to you as part of
a sponsored membership; and (ii) the applicable date on which the availability
or provision of these Services to you shall expire or otherwise be terminated,
as well as to identify the engagement number or other identifying information
(such as an activation, promotional or redemption code) as proof of eligibility.
For the sake of clarity, you acknowledge and agree that, if you attempt to
utilize the Service(s) after expiration or termination date, you will not be
able to utilize the Service(s).

LIMITATION OF LIABILITY

YOU UNDERSTAND AND AGREE THAT ECS WILL NOT BE LIABLE TO YOU (OR ANY OF YOUR
MINOR CHILDREN) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR
EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCOUNT(S) WITH
ECS, OR ACCESS TO, USE, OR INABILITY TO USE THE SERVICES OR WEBSITES, OR FROM
YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE UPON ANY WEBSITE OR LINKED
WEBSITE, WHETHER FORESEEABLE OR NOT AND HOWEVER CAUSED, EVEN IF ECS HAS BEEN
ADVISED OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF THOSE DAMAGES. SOME
JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR
LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS,
THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE
PERMITTED BY APPLICABLE LAW. WITHOUT LIMITING THE GENERALITY OF THE FOREGIONG,
YOU AGREE IN ANY EVENT THAT ECS'S TOTAL LIABILITY TO YOU (AND ANY OF YOUR MINOR
CHILDREN) FOR ANY OR ALL OF YOUR LOSSES OR INJURIES (OR THOSE OF YOUR MINOR
CHILDREN) FROM ECS'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR
EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO ECS FOR THE SERVICE
YOU PURCHASE FROM ECS DURING THE TWELVE (12) MONTHS PRIOR TO THE DATE OF THE
EVENT GIVING RISE TO THE LIABILITY.

NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

If available in your Service, ECS offers access to your credit report and other
credit information. ECS is not a credit repair organization, and is not offering
to sell, provide or perform any service to you for the express or implied
purpose of either improving your credit record, credit history or credit rating
or providing advice or assistance to you with regard to improving your credit
record, credit history or credit rating. You acknowledge and agree that you are
not seeking to purchase, use, or access any of the Service and Websites (or any
content in the Websites) in order to do so.

Accurate adverse information on your credit report cannot be changed. If you
believe that your credit report contains inaccurate, non-fraudulent information,
it is your responsibility to contact the relevant credit reporting company, and
follow the appropriate procedures for notifying the credit reporting company
that you believe that your credit report contains an inaccuracy. Any information
provided to you regarding the procedures followed by the various credit
reporting companies related to the removal of inaccurate, non-fraudulent
information is provided without charge to you and is available for free. Any
such information is not included as part of your credit score monitoring product
but is provided free of charge to all consumers, regardless of whether they are
Customers of the credit score monitoring product.

CREATING AN ACCOUNT WITH ECS; REGISTERING FOR ANY SERVICE

To create an Experian IdentityWorks account or enroll or purchase any Service,
you must have an address within the United States. Certain configurations of
Experian IdentityWorks may also require you to provide a valid Social Security
number, address, email address and date of birth and agree to be bound by these
terms and conditions. In other limited circumstances, you may need to provide a
valid telephone number so that ECS can process your order. You must provide
valid credit card information to enroll in or purchase a paid Service, as
explained in greater detail above. ECS will then evaluate your complete
registration information.

In certain jurisdictions sales tax at state and local rates may apply, in which
case you may be charged the applicable taxes in addition to the monthly fee
and/or the price of the product.

For certain Services and/or channels where Services are sold, we reserve the
right to accept or decline some forms of payment, including, but not limited to
"pre-paid" or "re-loadable" credit/debit cards.

SPOUSE/ADULT CHILDREN NOT INCLUDED

ECS is not able to accept and process joint registration for two or more adults.
Neither your spouse nor any other adult will be enrolled in any Service pursuant
to your order.

IDENTITY THEFT INSURANCE

The Identity Theft Insurance is underwritten and administered by American
Bankers Insurance Company of Florida, an Assurant company under group or blanket
policy(ies). The description herein is a summary and intended for informational
purposes only and does not include all terms, conditions and exclusions of the
policies described. Please refer to the actual policies for terms, conditions,
and exclusions of coverage. Coverage may not be available in all jurisdictions.
Review the Summary of Benefits.

IDENTITY RESTORATION SERVICE

Identity Restoration. There are certain steps that you must follow in order to
receive the Service and obtain assistance from an Identity Restoration agent.
These steps include contacting Customer Care at the phone number stated on your
notification materials. Please note that you may be asked to provide a limited
power of attorney to facilitate any Identity Restoration related work on your
behalf, including without limitation, if applicable, investigating alerts and
disputing fraudulent events.

If you contact us regarding identity restoration, you are agreeing to permit ECS
to order a copy of your credit report for any purpose relating to your request
for assistance, if applicable. "Identity Theft" means that your name, address,
Social Security number, credit card, debit card or other personal identifying
information was lost, stolen or was used without your knowledge or approval to
commit fraud or other crimes.

THE IDENTITY RESTORATION FEATURE IS DESIGNED TO HELP YOU IN CONNECTION WITH
RESOLUTION OF AN IDENTITY THEFT. THIS PRODUCT IS PROVIDED TO ASSIST WITH
RESOLUTION AND IS SEPARATE FROM ANY AND ALL PRECAUTIONS YOU SHOULD REASONABLY BE
EXPECTED TO TAKE, INCLUDING PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL
SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. ECS’S IDENTITY
RESTORAITON DOES NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE AGAINST
IDENTITY THEFT AND/OR THE CONSEQUENCES OF IDENTITY THEFT.

ECS, including its agents, independent contractors, assigns or other expressly
authorized third party, reserves the right to make an independent investigation
of the facts and circumstances related to any identity restoration request,
including making contact by telephone, email, United States Postal Service or
otherwise, to any service provider or any other person or entity that ECS deems
necessary, in its sole and absolute discretion, regardless of whether you
provide express authorization to make such contact for purposes of verifying and
assisting you with your identity restoration assistance request.

ECS reserves the right to request that you provide corroborating evidence of the
unauthorized transaction, Identity Theft or other facts related to your identity
restoration request, including signed affidavits, law enforcement or
governmental agency reports, receipts of expenses, insurance declaration forms,
or any other corroborating evidence that we may deem necessary and reasonable.
Further, ECS reserves the right to refuse any identity restoration request or
provide any identity restoration assistance in the event you fail or refuse to
provide us with any requested corroborating evidence related to a possible
Identity Theft, including without limitation, a limited power of attorney.

ECS reserves the right not to provide you with any identity restoration
assistance in the event ECS determines that you knew, or should reasonably have
known, of an act of Identity Theft that commenced prior to your membership. If
at any time you cancel your membership, ECS is no longer obligated to provide
any additional identity restoration assistance.

IDENTITY RESTORATION CANCELLATION

If, at any time (including after beginning identity restoration assistance), you
choose to discontinue using the Service, you may contact us at any time to
cancel ECS’s provision of or your receipt of any further assistance. You may
contact us by calling the phone number stated on your notification materials.

ENROLLMENT IN CHILD MONITORING

Scope of Services. If made available in your Experian IdentityWorks account, the
Child Monitoring that will be performed is different than monitoring for persons
over the age of eighteen (18). Please reference your notification letter for
more details on the type and scope of Child Monitoring offered as part of your
Experian IdentityWorks account.

Certification as Parent or Guardian. A “Child” is defined as a minor under the
age of eighteen (18). We will provide information about a Child only to the
Child’s parent or legal guardian. You certify that you are the parent or legal
guardian of each child whom you have named on the Child Monitoring enrollment
forms and that you understand and agree that enrollment may require ECS and/or
its service provider, CSID, to obtain information about those children from a
credit reporting company, if applicable, and that any information about those
children that you obtain from ECS and/or its service provider, CSID, will be
used solely for the purpose of protecting against or preventing actual or
potential fraud with respect the children whom you are enrolling or have
enrolled in Child Monitoring.

Proof of Guardianship. ECS and/or its service provider, CSID, may require, at
their sole discretion, the parent or legal guardian to prove guardianship in
order for the parent or legal guardian to receive the details on a Child’s
monitored information or request fraud resolution, which may include, but is not
limited to, the Child’s Social Security card and birth certificate, valid proof
of identification, proof of residence, and/or a similar federal or court
produced document demonstrating such relationship.

Automatic Unenrollment Prior to 18th Birthday. An enrollee in the Child
Monitoring service is no longer considered a Child when the enrollee reaches his
or her eighteenth (18) birthday and ECS and/or its service provider, CSID,
reserve the right to automatically unenroll any Child enrolled in Child
Monitoring within seven (7) days before their eighteen birthday, based on the
date of birth information provided by you in the enrollment process. After that
time period, you will not receive monitoring of any sort regarding that Child.

ADDITIONAL TERMS AND CONDITIONS RELATED TO SERVICES

Credit Monitoring in Sponsored/Data Breach Memberships and Paid Services

If made available to you, please note, there are different processing times
across the credit reporting companies, therefore you may not be enrolled in all
of them at the same time. We will use commercially reasonable efforts to begin
to monitoring with the Experian Credit Bureau within 2 business days of
successful enrollment (except as otherwise stated herein), while you are in your
free trial period. We will also use commercially reasonable efforts to begin
monitoring with Equifax and TransUnion within 4 business days of successful
enrollment, though in some cases it may take longer so will not be initiated
during the trial period (if a trial period applies). You acknowledge and agree
that ECS does not control, and therefore is not responsible, for the enrollment
process with the Experian Credit Bureau, Equifax or TransUnion. Similarly, we
cannot guarantee that you will be successfully enrolled in monitoring with
Experian Credit Bureau, Equifax or TransUnion.

If you order a Service that includes a single bureau credit monitoring product
from ECS, ECS requests only the Experian Credit Bureau enroll you in its credit
monitoring program. If you order a Service that includes a credit monitoring
product from ECS that monitors credit files at three credit bureaus, ECS
requests that the Experian Credit Bureau, Equifax and TransUnion enroll you in
their respective credit monitoring programs. Your order of any single bureau
credit monitoring product is conditioned upon successful enrollment by the
Experian Credit Bureau in its credit monitoring program; if the Experian Credit
Bureau is not able to enroll you, your order will be cancelled and you will not
receive alerts or monitoring of changes to your Experian credit file.

Your order of any tri-bureau credit monitoring product (monitoring credit files
at three credit bureaus) is conditioned upon successful enrollment by at least
one credit bureau in its credit monitoring program. If no credit bureau is able
to enroll you in its credit monitoring program, your order will be cancelled,
and you will not receive alerts or monitoring of changes to any of your credit
files. In the event that one or two credit bureaus, but not all three credit
bureaus, is able to enroll you in their credit monitoring, credit monitoring
will be provided by the bureau or bureaus that were able to enroll you; you will
not receive alerts or monitoring of changes to the credit files of the bureau or
bureaus that were not able to enroll you in their credit monitoring program.

In the event you order a three-bureau credit monitoring product, by placing your
order, you agree that, if fewer than all three credit bureaus enroll you in
their credit monitoring, ECS is authorized to monitor only the credit files at
the bureau or bureaus that enrolled you. Any such credit monitoring will be
provided at the price agreed upon; you will not be eligible for a price
reduction, discount or refund. ECS will notify you in the event that fewer than
all three credit bureaus enroll you in credit monitoring, but such notification
may not occur during your trial period.

Credit Monitoring in Paid Services Only

If applicable, your paid membership in credit monitoring is effective for the
period covered by your membership fee and continues upon your payment of the
monthly/annual renewal fee. Renewal fees for your membership will automatically
be charged, at the then current rate, to the credit card or other billing source
authorized by you, on the first day of each successive membership term, until
you cancel your membership. Should you choose to discontinue your membership for
any reason before expiration of the then applicable membership term for which
you have paid, you may cancel your membership and terminate further billing by
calling the toll-free number listed on this Website, or by
calling1-877-890-9332. If you are an annual subscriber and choose to cancel
within 180 days of when you were billed, you will be eligible to receive a
prorated refund of your current year's membership fee. If you are a monthly
subscriber and choose to cancel after your free trial ends or anytime during
your monthly billing term, your membership and monthly billing will terminate at
the end of your monthly billing term and you will not be eligible for a prorated
refund of any portion of your paid monthly membership fee. ECS reserves the
right to change the membership fee for any renewal term to be effective upon the
renewal of your membership.

Please note that the monthly/annual fee for a credit monitoring membership will
be billed immediately to the credit card or other billing source authorized by
you. If an introductory rate applies, the monthly/annual fee for a credit
monitoring membership will be billed immediately at the applicable introductory
rate, and for each successive membership term, you will be billed at the
applicable published standard rate as described on the Website and/or in the
Service literature provided when you enroll.

If you have agreed to a promotional offer for credit monitoring for a
pre-defined term, your credit card or other authorized billing source will be
billed the promotional membership fee immediately. Your credit monitoring
membership will continue for the pre-defined term and membership benefits will
expire at the end of this term. If you choose to cancel your monitoring
membership during the pre-defined term, you will not be entitled to a refund,
prorated or otherwise of the promotional membership fee.

Medical Identity Alerts

If made available to you, the Service is designed to provide a platform that
enables you to collect and share your personal health and fitness data. By using
the Service, you consent to our collection and use of personal data as outlined
therein and authorize the collection, storage, integration, transmission,
sharing and/or display by us and our service providers, including Human API, of
personal data from health records, personal trackers or other personal data
sources as further described herein (including in our Privacy Policy).
Customers: The Service also permits end users to interact with developers that
create means of displaying data which end users authorize to share via the
Service (“Developers”) and to organizational customers of us and Human API
(“Organizational Customers”). For purposes hereof, “Customers” means Developers
and Organizational Customers. If you elect to enable the sharing of data from
our Customers, we are not responsible for such data. You acknowledge that
Customers, and not us, are solely responsible for all information and/or other
materials, in whatever form, made available by Customers to end users via the
Service. We also provide certain services to Customers that collect one or more
data streams on behalf of their employees, members or customers who are end
users of the Service.

INTELLECTUAL PROPERTY

The Services and Websites (including mobile applications), as well as any
compilations (including collections, arrangements, and/or assemblies) of the
information specific to ECS contained in the Services and/or Websites are the
property of ECS and are protected by copyrights, trademarks, service marks,
patents, and/or other proprietary rights. ECS grants you a fully revocable,
limited, non-exclusive, non-transferable license to use the Services, and
Websites, according to the terms and conditions contained herein. Except as
expressly contemplated by this Agreement, you shall not (a) distribute, publish,
transmit or disseminate, in any form or by any means any part of the Services or
Websites, (b) allow any third party to access the Services or Websites, (c)
sell, sublicense, resell or otherwise transfer any of the Services or Websites
(d) reverse engineer or reverse compile any of the Services or Websites, or
technologies used therein, (e) use any robot, spider, deep-linking or other
process or tool, whether manual or automatic, to access, monitor, retrieve, data
mine, reproduce or circumvent any portion of the Services or Websites, or (f)
use the Services or Websites for anything other than your own personal use. You
acknowledge and agree that ECS's name, the ECS Logo, Page Headers and other
terms, phrases, graphics, logos, and icons are common law or registered
trademarks, service marks, and/or trade dress of ECS or its suppliers/affiliates
(collectively "Marks"). You agree you will not use any such Marks for any
purpose without the appropriate prior written authorization. ECS Marks may not
be used in connection with any Service or Websites that are not ECS's, in any
manner that is likely to cause confusion among customers, or in any manner that
disparages or discredits ECS or its affiliates. All other trademarks, product
names, or logos not owned by ECS that appear on the Websites are the property of
their respective owners. All content included on the Websites, such as text,
graphics, logos, button items, icons, images, data compilation, is the property
of ECS or its suppliers and is protected by United States and international
copyrights laws. You further agree that any derivative works, improvements,
inventions or works developed by you based upon or relating to the Services or
Websites of ECS that involve a breach of these Terms of Use shall be owned by
ECS, and you hereby assign and agree to assign to ECS such derivative works,
improvements, inventions or works. All software used on this site, and in other
Services and Websites, is the property of ECS or its software suppliers and is
protected by United States and international copyright laws. Reproduction,
preparation of derivative works, and distribution of copies of such content, in
whole or in part, is prohibited without prior consent. Some of the products and
services included in the Services and/or Websites, including, but not limited
to, this website as well as features and services accessible from this website,
are covered by one or more of the following U.S. Utility and Design Patents: ;
7,451,113; 7,610,229; 7,689,505; 7,792,715; 7,841,004; 7,853,493; 7,970,679;
7,975,299; 8,015,107; 8,060,424; 8,095,443; 8,127,986; 8,195,549; 8,285,656;
8,290,840; 8,290,856; 8,335,741; 8,355,967; 8,464,939; 8,478,674; 8,484,186;
8,515,844; 8,606,694; 8,660,919; 8,738,516; 8,781,953; 8,782,217; 8,818,888;
8,856,894; 8,930,251; 8,903,263; 8,972,400; 9,058,627; 9,106,691; 9,230,283;
D725,664; D710,867; D718,327; D717,332; 6,321,339; 6,282,658; 6,263,447;
6,496,936; 6,857,073; 7,234,156.

MISCELLANEOUS

This Agreement (including the Privacy Policy and other policies ECS may post
from time to time and any additional terms which are incorporated by reference
herein or hereinafter implemented) constitute the entire Agreement between ECS
and you in connection with your account with ECS, or access or use of any
Service or Website, and supersede any prior versions of the terms and
conditions, if applicable. ECS may update these terms and conditions from time
to time. No waiver of any breach of any provision of this Agreement will
constitute a waiver of any prior, concurrent, or subsequent breach of the same
or other provisions. This Agreement is effective until terminated by ECS. In the
event of termination or the expiration of your account with ECS or your use of
the Services or Websites, the Dispute Resolution by Binding Arbitration ,
Intellectual Property, Disclaimers, and Limitations of Liability provisions set
forth in these terms and conditions, as well as any other terms and conditions
that, by their nature, should survive termination, shall survive. In the event
of a conflict between this Agreement, or any other notice, policy, disclaimer or
other term contained in the Websites or otherwise, this Agreement will control.
If any provision is deemed to be unlawful or unenforceable, it will not affect
the validity and enforceability of the remaining provisions. The section
headings are for convenience only and do not have any force or effect. ECS may,
in its sole discretion and at any time, change its corporate name, logo, Marks
and other terms, phrases, graphics, logos, and icons associated with its common
law or registered trademarks, service marks, and/or trade dress (collectively,
ECS's "Brand"), which will not impact the enforceability of this Agreement. In
the event ECS takes any action to change its Brand, ECS will notify you online,
via e-mail, mail or through another means reasonably calculated to give you
notice of the change in Brand. In all events, any changes to ECS's Brand will be
effective immediately, and the terms of this Agreement shall remain unaffected
by the change in Brand unless expressly contemplated through express revisions
to this Agreement.




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