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CONSENT

KROLL PORTAL US PRIVACY POLICY


 * INTRODUCTION
 * DATA WE COLLECT
 * PROCESSING OF PERSONAL DATA
 * HOW DATA IS PROCESSED
 * STORAGE OF PERSONAL DATA
 * DISCLOSURE/SHARING OF PERSONAL DATA
 * CROSS-BORDER TRANSFERS
 * YOUR RIGHTS
 * AUTOMATED DECISION MAKING
 * PROVIDING INFORMATION TO KROLL
 * THIRD PARTY WEBSITES OR SERVICES
 * CONTACT US
 * CALIFORNIA PRIVACY POLICY AND NOTICE
 * VIRGINIA PRIVACY NOTICE

Introduction

Kroll Information Assurance, LLC and its affiliates and subsidiaries
(collectively “Kroll“), is committed to complying with the applicable data
privacy and security requirements in the locations in which it operates. Kroll
complies with internationally recognized standards of privacy protection, and
with various data privacy laws including, but not limited to, the California
Consumer Privacy Act of 2018 (CCPA), the California Privacy Rights Act of 2020
(CPRA), and the Virginia Consumer Data Protection Act (“VCDPA“).

Data will be collected by Kroll Information Assurance, LLC, who will be the Data
Controller or Business as those terms are defined under data privacy laws.

This Privacy Notice applies to Kroll’s processing of personal data in the course
of providing our Consumer Identity Monitoring, Consumer Credit Monitoring, and
Consumer Restoration and Consultation Support Services (collectively “Services”)
in the United States via our web portal (“Portal“) and including other
interactions, for example via our call center or email in relation to the Portal
and Services.

If you are a California resident, please see the California Privacy Policy and
Notice section.

If you are a Virginia resident, please see the Virginia Privacy Notice section.

Data We Collect

Kroll collects the following categories of personal data:

Contact data: We may collect information about individuals such as name and
contact details (email, phone number, etc.) in order to communicate and
facilitate the provision of our services

Services data: Personal data that you provide to Kroll in order to obtain the
services, such as identifiers or information you want to have monitored by
Kroll.

Website/Portal visitor information: when you visit our website, we may collect
information about your visit such as your IP address and the pages you visited.
When you use our services, we may collect information on how you use those
services. Please see our Website Use and Cookies Policy for additional
information.

We require that Clients and other third parties who provide personal information
to Kroll must do so in compliance with applicable data privacy regulations.

Processing of Personal Data

We collect personal data to offer and administer the Services. The data you
provide to us will be processed in accordance with the purposes specified in
this notice, namely:

 * In order to provide you with one or more of the Services upon activating your
   account.
 * Operational communications: we may send you updates and alerts related to the
   Portal or any monitoring you are enrolled in. These communications are
   operational in nature. For as long as your account is active, you cannot opt
   out of these types of communications.
 * For marketing purposes, to advise you through e-mail, phone call, or post,
   about other products or services similar to the products or services we have
   provided to you and that we think will be of interest to you.
    * You may opt-out of receiving marketing communications and updates at any
      time.
    * You can manage your receipt of marketing and non-operational
      communications by clicking on the «unsubscribe» link located on the bottom
      of Kroll’s marketing emails. Additionally, you may send a request to
      kroll.privacy@kroll.com.

 * For improving Kroll’s communications with you. Emails sent to you by Kroll
   may include standard tracking, including open and click activities. Kroll may
   collect information about your activity as you interact with our email
   messages and related content.
 * For operating and improving Kroll’s website and your customer experience. For
   example, we may collect and analyze data on your use of our website and
   process it for the purpose of improving our online experience. Please see our
   Website Use and Cookies Policy for additional information.
 * For security purposes. For example, we may use your data to protect Kroll and
   its third parties against security breaches and to prevent fraud and
   violation of Kroll’s applicable agreements.
 * For complying with obligations provided by laws, current regulations and
   legislation (e.g. tax regulations, anti-money laundering regulations).
 * With your consent. Kroll also processes your data for other purposes if you
   have provided us consent for such specified purposes, where such other
   purposes will be clearly provided at the time you provide consent.

How data is processed

We permit only authorized Kroll employees and third-party service providers to
have access to your information. Such employees and third-party service
providers are appropriately designated and trained to process data only
according to the instructions we provide them.

Storage of Personal Data

Kroll will retain personal data for a reasonable period, taking into account
legitimate business needs to capture and retain such information. Information
will also be retained for a period necessary to comply with state, local,
federal regulations, or country specific regulations and requirements, and in
accordance with Kroll’s Document Retention Schedule.

Disclosure/Sharing of Personal Data

We only share your personal data with your consent or in accordance with this
policy. We will not otherwise share, sell or distribute any of the information
you provide to us except as described in this Privacy Notice.

 * We DO NOT sell personal information or share personal information with
   non-affiliated entities, other than Service Providers such as vendors,
   consultants and other service providers who are performing certain services
   on behalf of Kroll. Such service providers have access to personal data
   solely for the purposes of performing the services specified in the
   applicable service contract, and not for any other purpose. Kroll requires
   these third parties to undertake security measures consistent with the
   protections specified in this notice.
 * We share personal data among Kroll-controlled affiliates and subsidiaries who
   act for Kroll for the purposes set out in this notice.
 * Kroll may be required to disclose personal data in response to lawful
   requests by public authorities, including meeting national security or law
   enforcement requirements. Where we receive requests to disclose personal data
   from law enforcement or regulators, we carefully validate these requests,
   including reviewing the legality of any order and challenging the order if
   there are grounds under the law to do so before any personal data is
   disclosed.
 * If Kroll’s business enters into a joint venture with or is merged with
   another business entity, your information may be disclosed to our new
   business partners.

Cross-Border Transfers of Personal Data

Kroll is a global firm with operations in over 30 countries. Personal
information may be transferred, accessed and stored globally as necessary for
the uses stated above in accordance with this notice, and in compliance with
local regulations.

Your Rights

Depending on the laws of the state in which you reside, you may have certain
rights under applicable data protection laws, such as the right to request that
Kroll provide you with access to your data, correct inaccurate data, erase your
data, or otherwise limit how your data is processed.

Please contact kroll.privacy@kroll.com to request to exercise your rights.
Please note that Kroll cannot facilitate the exercise of your rights without
proper verification of your identity.

Subject to legal considerations or certain exemptions, we may not always be able
to address your request, for example if it would impact the duty of
confidentiality we owe to others, or if we are legally entitled to deal with the
request in a different way.

Automated Decision Making

Automated decisions are defined as decisions about individuals that are based
solely on the automated processing of data and that produce legal effects that
significantly affect the individuals involved. Kroll does not make automated
decisions using personal data. If automated decisions are to be made, affected
persons will be given an opportunity to express their views on the automated
decision in question and object to it.

Providing Information to Kroll

If you choose not to provide certain personal information, it may be an
impediment to the exchange of information necessary for the provision of
services, and we may not be able to provide you with some services and you may
not be able to participate in some of the activities on our website(s).

Third Party Websites or Other Services

We are not responsible for the privacy practices of any non-Kroll operated
websites, mobile apps or other digital services, including those that may be
linked through Kroll websites or services, and we encourage you to review the
privacy policies or notices published thereon.

Contact Us

Please contact us at Kroll with questions, concerns, or complaints:

kroll.privacy@kroll.com

Kroll Corporate Headquarters
55 E 52 Street
New York, NY 10055



California Privacy Policy and Notice

This California Privacy Notice and Policy section supplements the Kroll Portal
US Privacy Policy and applies to the personal information of California
residents to comply with the California Consumer Privacy Act (“CCPA”) and the
California Privacy Rights Act (“CPRA”).

 * Categories of Personal Information We Collect
 * Sources of Personal Information We Collect
 * Business Purposes
 * Disclosure of Personal Information to Third Parties
 * Selling/Sharing of Personal Information
 * Disclosure of Personal Data for our Business Purpose
 * Data Retention
 * Your Rights
 * Contact Us

Categories of Personal Information We Collect

In the past 12 months, we have collected, used, and disclosed for business
purposes, the following categories of personal information relating to
California residents covered by this policy:



CategoryExamples May Include IdentifiersName, alias, postal address, unique
personal identifier, online identifier, internet protocol address (IP Address),
email address, account name, social security number, driver’s license number,
passport number, or other similar identifiersPersonal Information categories
described in California Customer Records statute (Cal. Civ. Code §
1798.80(e))Name, signature, social security number, physical characteristics or
description, address, telephone number, passport number, driver’s license or
state identification card number, insurance policy number, education,
employment, bank account number, credit card number, debit card number, or any
other financial informationProtected classification characteristics under
federal lawAge, citizenship, marital status, sexCommercial informationRecords of
products or services purchased, obtained, or considered, or other purchasing or
consuming histories or tendenciesInternet/network activityBrowsing history,
search history, and information regarding a consumer’s interaction with an
internet website, application, or advertisementProfessional or
employment-related informationCurrent or past job history



Sources of Personal Information We Collect

 * From our client, who has engaged Kroll to offer and/or provide the Services
   to you
 * From you, when you activate the Services and contact us via phone or email
   related to the Services
 * From our partners and third-party data providers, for example when we obtain
   credit data provided by one or more credit bureaus
 * Information we automatically collect when you interact with Kroll websites or
   the Portal, such as your IP address and the pages you visited or activities
   you performed

Business Purposes

We collect personal information for our operational purposes in providing the
Services. We use personal information for the business purposes set out in the
“Processing of Personal Data” section above.

Disclosure of Personal Information to Third Parties

We do not disclose personal information to third parties (not including service
providers) unless you direct us to do so, or where required by law.

Selling/Sharing of Personal Information

We do not sell and have not in the preceding 12 months sold personal
information. We do not share and have not in the preceding 12 months shared
personal information with a third party for cross-context behavioral
advertising.

Disclosure of Personal Data for our Business Purposes

Within the last 12 months, we have disclosed Personal Information identified in
the “Categories of Personal Information We Collect” section above for business
purposes to the following categories of parties:

 * Our affiliates, as needed to operate our business and provide services.
 * Service providers or contractors, such as vendors, consultants and other
   service providers who perform certain services on behalf of Kroll, in which
   case we enter a contract that describes the purpose of processing and
   requires the recipient to not use it for any purpose except performing the
   contract.
 * Third parties to whom you or your agents request or authorize us to disclose
   your personal information in connection with the Services.

Data Retention

Kroll will retain personal information for a reasonable period, taking into
account legitimate business needs to capture and retain such information.
Information will also be retained for a period necessary to comply with state,
local, and federal regulations, and in accordance with Kroll’s Document
Retention Schedule.

Your Rights

Subject to the CCPA, CPRA, and other applicable laws, you have the following
rights concerning your data processed by Kroll:

 * Deletion: You have the right to request that Kroll erase your personal
   information, and Kroll will erase such information unless it is reasonably
   necessary for Kroll to maintain your personal data in accordance with CCPA
   1798.105 (d) or 1798.145.
 * Correction: You have the right to request that Kroll correct inaccurate
   personal information, taking into account the nature and purpose of
   processing the information.
 * Access: You have the right to request to access the personal information that
   Kroll holds about you, including specific pieces of personal information
   Kroll has collected about you.
 * Non-discrimination: Kroll will not discriminate against a consumer because
   the consumer exercised any of the consumer’s rights under applicable laws

Contact Us

Please contact us if you wish to exercise your rights under CCPA:

Email: kroll.privacy@kroll.com

In Writing: Kroll Compliance and Privacy Office, 167 N. Green St., Floor 12,
Chicago, IL 60607

Virginia Privacy Notice

 * Categories of Personal Data We Collect
 * Purposes for Processing Personal Data
 * Sharing of Personal Data with Third Parties
 * Selling, Targeted Advertising, and Profiling
 * Your Rights

This Virginia Privacy Notice section supplements the Kroll Portal US Privacy
Policy and applies to the personal data of Virginia residents in order to comply
with the Virginia Consumer Data Protection Act (“VCDPA”), effective January 1,
2023.

Categories of Personal Data We Collect

Contact data: We may collect information about data subjects such as name and
contact details (email, phone number, etc.) in order to communicate and
facilitate the provision of our service

Services data: Personal data that you provide to Kroll in order to obtain the
services, such as identifiers or information you want to have monitored by
Kroll.

Website/Portal visitor information: when you visit our website, we may collect
information about your visit such as your IP address and the pages you visited.
When you use our services we may collect information on how you use those
services. Please see our Website Use and Cookies Policy for additional
information.

Purposes for Processing Personal Data

We process personal data for our operational purposes in providing the Services.
We use personal information for the purposes set out in the “Processing of
Personal Data” section above.

Sharing of Personal Data with Third Parties

We do not share personal data with third parties (other than service providers)
unless you direct us to do so, or where required by law.

We may share personal data with other parties as follows:

 * Our affiliates, as needed to operate our business and provide services.
 * Service providers or contractors, such as vendors, consultants and other
   service providers who perform certain services on behalf of Kroll, in which
   case we enter a contract that describes the purpose of processing and
   requires the recipient to not use it for any purpose except performing the
   contract.

Selling, Targeted Advertising, and Profiling

We do not sell personal data to third parties.

We do not process personal data for targeted advertising purposes (as defined
under the VCDPA).

We do not process personal data for the purpose of profiling in furtherance of
decisions that produce legal or similarly significant effects concerning
consumers.

Your Rights

Subject to the VCDPA and other applicable laws, you have the following rights
concerning your data processed by Kroll:

 * Deletion: You have the right to request that Kroll erase your personal data,
   and Kroll will erase such data unless it is reasonably necessary for Kroll to
   maintain your personal data in accordance VCDPA 59.1-582
 * Correction: You have the right to request that Kroll correct inaccurate
   personal data, taking into account the nature and purpose of processing the
   information.
 * Access: You have the right to request to access or obtain a copy of the
   personal data that Kroll holds about you
 * Non-discrimination: Kroll will not discriminate against a consumer because
   the consumer exercised any of the consumer’s rights under applicable laws

Please contact us if you wish to exercise your rights under VCDPA or wish to
appeal Kroll’s decision with respect to a request to exercise your rights:

Email: kroll.privacy@kroll.com

In Writing: Kroll Compliance and Privacy Office, 167 N. Green St., Floor 12,
Chicago, IL 60607

Effective Date: December 20, 2022

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SETTING UP YOUR ACCOUNT WITH KROLL.

Kroll provides identity monitoring services to help individuals monitor for
indicators of potential fraud or identity theft.
We are proud to have been offered as a resource to help millions of individuals
recover from fraud and identity theft.
Before we can begin monitoring your identity, you will need to create an account
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