Membership Agreement

Thank you for your interest in the products and services offered by IdentityIntact™. This Membership Plan Agreement ("Agreement") provides the terms, rules, and regulations of the Membership and our products and services. By establishing a Membership Plan with IdentityIntact™ ("IDI"), you will be taking an important step in protecting yourself from the perils associated with identity fraud. PLEASE NOTE: Your Membership fee may reflect a nominal cost for identity theft insurance for IDI members that may be included in your plan and that is paid for by IDI from the proceeds of Membership fees. If applicable, you have the right to opt out of receiving the insurance benefit and the associated nominal allocated premium cost. For more details or to opt out, please contact us toll free at 1-855-722-6737.

BY ACCESSING OUR SITE, ESTABLISHING A MEMBERSHIP OR USING OUR PRODUCTS OR SERVICES, YOU INDICATE YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE FOLLOWING TERMS AND CONDITIONS OF THIS MEMBERSHIP AGREEMENT AND TO THE SEPARATE AND DISTINCT TERMS AND CONDITIONS OF OUR WEBSITE.

Definitions

Certificate of Insurance means a document that we post in the Members Section or otherwise provide to you that evidences that you have coverage under our master insurance policy that affords you certain Member Indemnity Benefits as part of your Membership.

Confirmation means the email or other notice that we or our subcontractors send to you once you have established your Membership with us.

Core Identity Protection means an Identity Protection Plan Membership as defined herein .

Credit Solutions mean credit report(s), credit score(s) and credit monitoring related items as purchased via our website or co-branded website and as defined and provided by CoreLogic Credco, LLC ("Credco") and/or Core Logic Consumer Services, Inc. ("CLCS"). Credit Solutions are available only to individuals who have established credit in the United States.

Credit Solution Membership means a Membership granting you individual rights to Credit Solutions, if available and to certain Plan Benefits as restricted to include only the Plan Benefits as described in these products respective summaries as provided on our website. In no event shall the Credit Solution Membership provide you the same Plan Benefits as provided under the Core Identity Protection Plan. You may establish a distinct Identity Protection Plan Membership at any time and, if secured, will be converted from the Credit Solution Membership to the Identity Protection Plan at which point you will be eligible to receive Plan Benefits as consistent therein.

Extended Family Member means a parent, grandparent, or sibling. It may also mean a spouse, domestic partner, significant other, or dependent.

Family and Friends Plan Extension means allowing the Primary Identity Protection Plan member to establish a separate and distinct individual Identity Protection Plan Membership for an Extended Family Member(s) and/or any Friend. The Primary member is intended to manage and pay for protection on behalf of his or her family and friends, which may individually have separate enrollment activation and expiration dates then that of the Primary member.

Friend(s) means allowing the Primary Identity Protection Plan member to establish a separate and distinct Identity Protection Plan Membership for a friend and/or someone they know and enroll in an Identity Protection Plan.

Identity Protection Plan means a Membership granting Plan Benefits during your Membership Term. An Identity Protection Plan is provided to a single individual under the Individual Plan or to the primary member, their spouse or domestic partner, dependents up to and including the age of 25, and parents while living with or under the care and custody of the primary member, all as provided under the Family Plan. Other similar plan options may be provided based on plan descriptions and specific deliverables.

Incident means the unauthorized use of your name, social security number, personal identification or other means of identifying you with the intent to commit, aid, or abet any unlawful activity that constitutes a violation of Federal law or any applicable state or local law and/or as determined in our sole and absolute discretion and/or as per our Master insurance policy. All expenses resulting from an Incident(s) and arising from the same, related, continuous, or repeated acts, whether committed by one or more persons, shall be treated as arising from a single Incident, which Incident shall be deemed to have occurred at the time of the first such act, whether or not that act occurred during your Membership Term.

Member Indemnity Benefits means insurance coverage or expense reimbursement for certain expenses you incur following an Incident that occurs during your Membership and which is reported to us during your Membership and that is subject to the terms, conditions, definitions, exclusions, and/or limitations of your Membership and our master insurance policy(ies), as applicable.

Membership means your individual rights granted under your Identity Protection Plan or Credit Solution Membership, including Plan Benefits, as applicable, and including rights to access and make individual use of our Members Section and products and services including coverage as afforded under your Membership and our Member Indemnity Benefits, all during a specified Term for which the corresponding fee has been received by us. Memberships are available exclusively to residents of the United States and/or where we have the legal authority to provide you with a Membership.

Members Section means the password protected location on our website where we provide you with certain products and/or access to services.

Plan Benefits means our obligation under your Membership or the obligation of our insurer(s) under our master insurance policy(ies) to provide you during the Term of your Membership certain products and services, including but not limited to, access to our Members Section, credit reports, non-credit alerts and monitoring tools, educational newsletters and guides, restoration and victim resolution services (VRS Elite) and/or Member Indemnity Benefits, but only as applicable to your specific Membership and as always subject to the terms and conditions of this Agreement, your Membership, and our master insurance policy(ies), as applicable.

Primary Member means the individual that has successfully registered for an Identity Protection Plan Membership and who has the authority from us to establish a Family and Friends Plan Extension.

Term means the annual twelve (12) month period beginning on the date that the Primary Member, or an entity securing protection on their behalf, registers and successfully purchases an annual Membership or the monthly period following your successful enrollment in a monthly Membership. The Term for any Family and Friends Plan Extension shall begin on the date that you register and successfully purchase the Extension(s) and end on the expiration date according to its plan. The Term may exist on a date and period separate from the Term of the Primary Member. A new Term is established following the successful renewal of any expiring Term.

Upgrades mean a qualified increase in the level of Member Indemnity Benefits that may occur during your Membership Term that differ from the benefits provided on the date of your initial enrollment. Upgrades shall only apply to Incidents that occur following an Upgrade.

We, us, and our means IdentityIntact™ and our Partners and Affiliates.

You, your, and yours means the individual who is identified by us as having a Membership.

Our Obligations To You

Following your successful registration and payment of the annual or monthly Membership fee, our obligation to you begins by sending you a Confirmation that your Membership is in force, preparing a Certificate of Insurance for you, and protecting your information consistent with our privacy and security policies. During the Term of your Membership, we are obligated to provide you with our Plan Benefits and Family and Friends Plan Extensions subject to the terms and conditions of this Agreement and subject to the terms, conditions, definitions, exclusions, and/or limitations of the master insurance policy(ies).

Our obligations and Membership(s) are limited to Members domiciled in the United States and/or territories where we have legal authority to provide you with a Membership. In the event this Agreement and/or the obligations provided for herein differ from information or material in our website, this Agreement shall prevail over any conflict, discrepancy or inconsistency.

As every instance of data theft or identity theft presents its own special facts and circumstances, we cannot guarantee a successful outcome to every instance of data theft and/or identity theft that may result in damage and loss to you. There may be some situations and instances where we are unable to further assist you and there may be some instances where we may not be able to represent you, and therefore we reserve the right to refer you to the appropriate governmental agency, Law enforcement agency or other appropriate professionals we deem appropriate to address the specific issues of identity theft unique to your specific situation.

Our obligation to you shall cease at the time you cancel or non-renew your Membership, we are unable to successfully charge your credit card for a monthly or annual subscription fee, or at the time we cancel or non-renew your Membership. IF WE CANCEL YOUR MEMBERSHIP, WE SHALL PROVIDE YOU WITH A PRO-RATA REFUND FOR THE DAILY PERIOD REMAINING ON YOUR MEMBERSHIP AND SUBTRACT ANY AMOUNTS THAT ARE ALLOCATED TO SINGLE USE SOLUTIONS AND/OR CREDIT SOLUTIONS (I.E. A 3-IN-1 CREDIT REPORT). IF WE ARE UNABLE TO CHARGE YOUR CREDIT CARD FOR A MONTHLY OR ANNUAL SUBSCRIPTION OR IF YOU CANCEL YOUR MEMBERSHIP, YOU WILL NOT BE ELIGIBLE FOR A REFUND IF YOU PURCHASED AN ANNUAL MEMBERSHIP AND WE WILL DE-ACTIVATE YOUR ACCOUNT AND YOU WILL NOT BE BILLED ANY FURTHER FEES ON THE ANNIVERSARY OF YOUR MEMBERSHIP. IF YOU CANCEL YOUR MEMBERSHIP AND YOU PURCHASED A MONTHLY MEMBERSHIP, WE WILL IMMEDIATELY CHARGE YOUR CREDIT CARD FOR ANY REMAINING MINIMUM MONTHLY CHARGES YOU ARE OBLIGATED TO PAY (I.E, MONTHLY MEMBERSHIPS HAVE A 3 MONTH MINIMUM CHARGE) AND THEN WE WILL DE-ACTIVATE YOUR ACCOUNT AND YOU WILL NOT BE BILLED FOR ANY ADDITIONAL MONTHS. WE MAY ALSO CHARGE A TRANSACTION AND CANCELLATION PROCESSING FEE IN THE AMOUNT OF $15.00. YOU MAY ONLY CANCEL YOUR MEMBERSHIP BY CALLING US AT 1-855-722-6737.

Items For Which We Are Not Obligated To You

We and/or our insurer(s) are not obligated:

  • To provide you with Member Indemnity Benefits in excess of the corresponding annual coverage limit provided in your Membership.
  • To provide you with Plan Benefits in the event of Force Majeure, acts of God, war, or other similar events or if we are temporarily upgrading or repairing our web-site that restrict our ability to provide you with Plan Benefits.
  • To maintain or renew your Membership. At any point and in our sole and absolute discretion, we may cancel or not renew your Membership by sending you an email notice or letter, at the email and/or physical address we have on record, thirty (30) days prior to your Membership cancellation or non-renewal.
  • To provide you with Plan Benefits for Incidents that occur prior to your current Membership activation date or which are reported to us or our insurer(s) following the termination, cancellation, or non-renewal of your Membership.
  • To provide you with Plan Benefits following your cancellation or request to cancel your Membership.
  • To provide you with Plan Benefits if you dispute authorized credit card charges, which may be based on the non-delivery and/or quality of our goods or services.
  • To provide you with Plan Benefits for costs, losses, or damages arising out of any business pursuits.
  • To provide you with any reimbursement for any costs, losses or damages other than those provided in the Plan Benefits.

Except as otherwise provided for in this Agreement, we shall have no right to cancel, change, or otherwise amend the Plan Benefits available to you following your notice to us of a claim or Incident provided you have met with all of the terms and conditions of your Membership.

Your Obligations

In order to establish a Membership and receive Plan Benefits, you must adhere to the following obligations:

  • Provide your voluntary consent to this electronic transaction and to the provision of our products and/or services in electronic form, which consent may be required pursuant to your state law.
  • Provide accurate information while enrolling for a Membership and not impersonate another person.
  • Update your Membership contact details in our Members Section as soon as practicable following a change of address, email, or telephone number.
  • Use the Plan Benefits for your individual purpose and not share or otherwise copy or distribute any material, products, or content made available to you. Any violation may be deemed a breach of contract and/or violation of US Copyright laws with applicable penalties.
  • Upon learning of an incident that could give rise to expenses under the Plan Benefits, notification must be made to us or our Insurer by you as soon as practicable and within 90 days of when you first discovered the incident. In addition, actual notice provisions maintained in our master insurance policy(ies) will vary based on the type of Membership and may further restrict coverage and you must provide notice pursuant to such terms to receive Plan Benefits. Specifically, your notice for any Incident must be made to us and/or our insurer(s) as follows: a) Memberships having a $1 million insurance limit have a twelve (12) month notice provision that is further limited to six (6) months for any Unauthorized Electronic Funds Transfer coverage, b) Memberships provided to residents in the state of New York have a twelve (12) month notice provision, and c) all other Memberships having a $25,000 limit or less have no time limit notice provision, other than, every notice must be made prior to the cancellation or non-renewal of your Membership. Each notice requirement is based on specific master insurance policy terms included in your specific Membership and such notice of loss provisions begin on the date of the actual Incident, whether or not the incident is known or is not known by you. Separately, all notice(s) must be given during your Membership Term and in no event later than ninety (90) days after you first learn of the Incident.
  • Promptly file a report with the police if an Incident has occurred and if anyone would reasonably believe that a violation of the law may have occurred.
  • Keep records, receipts, books, evidence and other documents in such a manner that will allow us or our Insurer to accurately determine the amount of any expenses or loss covered hereunder. Maintenance and production of such records is a condition precedent to receiving Plan Benefits.
  • Sign a sworn proof of loss statement, or affidavit, containing information we or our Insurer may request, including copies of receipts or other evidence relating to expenses.
  • Permit us or our Insurer to question you under oath about any matter relating to your Membership at such times as may be reasonably requested and shall allow for the investigation and/or inspection of the your records.
  • Cooperate with us or our insurer in the investigation of any loss and help us enforce any legal rights you, we or our insurer may have against anyone who may be liable to you, us, or our insurer.
  • At our request, attend legal proceedings, including depositions, hearings, or trials and obtain the attendance of witnesses with respect to any matter relating to your Incident and this Membership.
  • Take reasonable steps to reduce costs and expenses arising from or relating to an Incident and do not prejudice any of our insurer's rights to recovery and do not admit to any liability. If you admit to liability in connection with an Incident, such admission shall be at your own expense and no Plan Benefits shall be afforded arising from or relating to such Incident.
  • Understand and agree that by engaging a Membership and/or clicking on the "I ACCEPT" button , you are providing "written instructions" to IdentityIntact™ and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other resellers and credit reporting agencies (including, without limitation, TransUnion, Experian, Equifax and/or CSIdentity Corporation or any affiliates of such companies) under the Fair Credit Reporting Act (FCRA), as amended, to access (a) your credit files from each national credit reporting agency and to exchange information about you with each such credit reporting agency in order to verify your identity and to provide the products and/or services to you and (b) other non-credit related information and provide monitoring and alerts with respect thereto. You agree and hereby authorize IdentityIntact™ , its agents, employees and third party data sources and suppliers, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time. You waive any and all claims against IdentityIntact™ and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. Your further authorize IdentityIntact™ and its agents, employees and third party data sources and suppliers to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the products and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.
  • Understand and agree that while enrolling in a Membership and to obtain the products and/or services provided therein, we will, depending on your Membership plan ask you for the following types of information: contact information (such as name, address, phone number, and e-mail address); sensitive information (such as date of birth, driver's license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our products and services, and to fulfill our obligation to provide our products and services to you, including communicating with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, payment validation companies, law enforcement agencies, or others.

Changes to This Agreement

We reserve the right in our sole and absolute discretion to make changes to this Agreement, to modify, alter, or otherwise amend this Agreement, your Membership or the Plan Benefits to which this Agreement applies including the annual fee. We shall notify you at least thirty (30) days prior to implementing any adverse material changes via the email address we have on record for you. Any changes shall be incorporated into this Agreement and shall be effective immediately upon our posting or publication. However, any change to this Agreement made subsequent to your notice to us of a claim or Incident shall not affect your rights to Plan Benefits that existed at the time of your notice to us provided you have met with all of the terms and conditions of your Membership.

Additional Terms and Conditions

To ensure uninterrupted service and upon the expiration of your current Term, we will automatically charge your credit card on file on the anniversary of your annual Membership at the then current fee for Annual Membership unless you have called our Customer Service number 1-855-722-6737 and cancelled your Membership. Monthly Memberships will automatically be charged to the credit card on file unless you have called our Customer Service number 1-855-722-6737 and cancelled your monthly Membership.

In the event your credit card charge is not authorized or otherwise ineffective in remitting payment, the Membership to which payment applies will automatically lapse or will not be in effect. We may attempt to notify you of any transaction failure and provide you the opportunity to provide an alternative credit card or method of payment, however, should we fail to notify you and if we have not received any payment for your continued Membership, your Membership may cease and we are and shall not be responsible to provide you with a Membership or Plan Benefits.

In the event that your Membership was purchased on your behalf by an employer, financial institution or other entity, your Membership is subject to the continued receipt of payment by us from such entity for your Membership. In the event such entity terminates or fails to make payment for your Membership, your Membership shall cease upon its expiration or renewal date. Although we may endeavor to notify you of the potential termination of your Membership as availed by such entity, we shall not be responsible for providing you any Plan Benefits following termination.

Limitation of Liability

IdentityIntact™ and its Partners and Affiliates cannot guarantee that you will not become a victim of identity fraud or otherwise experience an Incident or loss or damages as a result of identity or data theft. The potential exposures to identity fraud and theft are numerous and various and neither Identity Fraud, Inc. nor the Plan Benefits can address all types of exposures. We further cannot guarantee that we will be successful in resolving your Incident to your complete satisfaction, or to an objectively reasonable conclusion.

IDENTITYINTACT™ AND ITS THIRD PARTY DATA SOURCES AND SUPPLIERS PROVIDE THE MEMBERSHIP AND PLAN BENEFITS TO YOU "AS IS". TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER IDENTITYINTACT™ NOR ITS PARTNERS, AFFILIATES OR THIRD PARTY DATA SOURCES OR SUPPLIERS (INCLUDING, WITHOUT LIMITATION, ANY CREDIT REPORTING AGENCY OR RESELLERS) MAKES ANY REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, PLAN BENEFITS, PRODUCTS OR SERVICES AVAILABLE WILL BE ERROR-FREE. BY USING THE MEMBERSHIP, PLAN BENEFITS, PRODUCTS AND SERVICES, YOU ACKNOWLEDGE AND AGREE THAT NEITHER IDENTITY FRAUD, INC. NOR ITS AFFILIATES OR THIRD PARTY DATA SOURCES OR SUPPLIERS (INCLUDING, WITHOUT LIMITATION, ANY CREDIT REPORTING AGENCY OR RESELLER) HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF THE MEMBERSHIP, PLAN BENEFITS, PRODUCT OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.

Applicable Law

The laws applicable to the interpretation of this Agreement, its terms and conditions shall be the laws of the State of Delaware, USA. Individuals who choose to access this Site or a Membership from outside the United States do so on their own initiative and we are not responsible for compliance with local laws that may be applicable to you in your jurisdiction. You agree that any and all disputes arising under this Agreement or out of our provision of services to you, if submitted to a court of law, shall be adjudicated in The State and Federal Court In and for the County of New Castle, State of Delaware, USA.

January 1, 2011

Terms and Conditions

These terms and conditions ("Terms and Conditions") apply to all transactions between you and CoreLogic Credco, LLC ("Credco"), CoreLogic Consumer Services, Inc. ("CLCS"). By submitting your order, you acknowledge receipt of our Privacy Notice and agree to its terms, confirm your authorization for Credco/CLCS to obtain your consumer report ("Basic Report"), scores ("Scores") and other enhancements to the Basic Report, and agree to the Terms and Conditions herein. For purposes of these Terms and Conditions, the term "Credit Reports" includes Basic Reports, Score and other enhancements to Basic Reports, individually or collectively, as the context requires.

YOUR USE OF THE SERVICES (DEFINED BELOW) BEING PROVIDED TO YOU ARE SUBJECT TO THESE TERMS AND CONDITIONS AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THEM CAREFULLY. YOUR ACCEPTANCE AND USE OF THE SERVICES CONSTITUTE 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 THE SERVICES OR ANY OF THE INFORMATION WITHIN THE SERVICES; DISCARD THE SERVICES YOU RECEIVED IMMEDIATELY AND CALL CUSTOMER SERVICE AT 1-855-722-6737 TO CANCEL YOUR MEMBERSHIP. MOREOVER, IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEB SITE, THE SERVICES OR ANY INFORMATION CONTAINED ON THIS WEB SITE. YOUR ACCESS TO AND USE OF THIS WEBSITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH IN THESE TERMS AND CONDITIONS.

These Terms and Conditions are made between you and Credco/CLCS, the providers of the products and services at this web site ("Web Site"). All products and services (including, but not limited to, the Credit Reports) offered on this site by Credco/CLCS, (collectively, the "Services"), are subject to these Terms and Conditions, which may be updated from time to time. Please check this Web Site regularly for updates to these Terms and Conditions.

USE OF THE SERVICES

In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the application form on this Web Site. You certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if Credco/CLCS have reasonable grounds to suspect that such information is untrue, inaccurate or not current, Credco/CLCS, at their sole discretion, have the right to suspend or terminate your use of any Service and refuse all current or future access to use of the Services or suspend or terminate any portion thereof. Further, you agree that Credco/CLCS will not be liable to you or any third party if Credco/CLCS suspends or terminates your access to the Services for any reason.

Credco obtains credit information used to prepare Credit Reports from the three national credit repositories (Equifax, Experian, Trans Union, collectively, the "CRA Repositories"). The Credit Reports Credco provides are intended to furnish you with information that you may not otherwise have readily available to you, but should not be relied upon for important personal and financial decisions. You should consult your own professional adviser for specific advice tailored to your personal situation.

You understand that by checking the "VIEW REPORT" box immediately following these Terms and Conditions, you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for Credco/CLCS to obtain information from your personal credit profile from any consumer reporting agency. You also authorize Credco/CLCS to access your personal credit profile to verify your identity TO AVOID TRANSACTIONS IN YOUR NAME, and to provide credit monitoring, reporting and scoring products.

YOU UNDERSTAND THAT IT MAY BE A VIOLATION OF FEDERAL AND/OR STATE LAW FOR YOU TO OBTAIN A CREDIT REPORT ON ANY PERSON OTHER THAN YOURSELF, AND THAT UNDER THE FCRA, ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, UNITED STATES CODE, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

FCRA DISCLOSURES

The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from consumer reporting agencies for a reasonable charge. Full disclosure of information in your file at the three national credit repositories must be obtained directly from the repositories:

Experian: www.Experian.com

Equifax: 1-800-685-1111

Trans Union: 1-800-916-8800

The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:

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 Credco/CLCS to dispute inaccurate or incomplete information in your credit file maintained by the CRA Repositories.

The Credit Report you are requesting from Credco/CLCS is not intended to constitute the disclosure of Experian, Equifax or Trans Union information required by the FCRA or similar state laws.

The FCRA allows consumer to get one free comprehensive disclosure of all the information in their credit file from each of the Repositories once every 12 months through a central source. Although comprehensive, the Credit Reports from each of the Repositories that are available from the Credco/CLCS Web Site may not have the same information as a credit report obtained directly from the three Repositories or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You can also contact the central source to request this free annual disclosure by calling toll free (877) 322-8228 or by using the mail request form available at the central source website. The Services at this Web Site are not related to the free FCRA disclosure that you are or may be entitled to.

Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may receive an additional free copy of their credit report once per year and residents of the state of Georgia may receive two (2) additional copies per year. For Illinois residents, credit reporting agencies are required by law to give you a copy of your credit record upon request at no charge or for a nominal fee.

Click here for a full text of your summary of rights.

MODIFICATION OF SERVICES

Credco/CLCS may, at their discretion, modify or discontinue any of the Services or a portion thereof, with or without notice. You agree that Credco/CLCS will not be liable to you or any third party for any modification or discontinuance of any of the Services.

DISCLAIMERS

Because we use security measures designed to protect your privacy and to safeguard your information, we may not always be able to successfully provide our Services to you, including instant online delivery of your Credit Report. For certain of your Services, when the system is unable to verify your identity, you may be routed through a manual authentication process.

You must have an email address and a Java-compatible browser such as Netscape Navigator 6.0 or higher, Internet Explorer 5.0 or higher, or AOL 8.0 or higher to receive your Services online. Credco/CLCS are not responsible for any overdraft/over-the-limit charges or bank fees if your account contains insufficient funds when your order is processed and billed.

YOU EXPRESSLY UNDERSTAND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. ALL SERVICES ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. CREDCO, CLCS, AND THEIR RESPECTIVE SUBSIDIARIES AND AFFILIATES, AND THE CRA REPOSITORIES EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES AND CONDITIONS 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 THIS WEB SITE OR OTHER MATERIALS THAT YOU RECEIVE FROM CLCS/CREDCO DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. CREDCO, CLCS, AND THEIR RESPECTIVE SUBSIDIARIES AND AFFIIATES, AND THE CRA REPOSITORIES MAKE NO WARRANTY OR REPRESENTATION THAT (I) THE SERVICES (INCLUDING THE CREDIT REPORTS) ARE ACCURATE, COMPLETE, VALID OR ERROR-FREE; (II) THE SERVICES WILL BE DELIVERED IN A TIMELY FASHION, (III) THE SERVICES WILL BE DELIVERED ON AN UNINTERRUPTED BASIS; (IV) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE RELIABLE; AND (V) THE SERVICES WILL MEET YOUR NEEDS.

LIMITATION OF LIABILITY

YOU UNDERSTAND AND AGREE THAT CREDCO, CLCS, AND THEIR RESPECTIVE SUBSIDIARIES AND AFFILIATES AND THE CRA REPOSITORIES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE SERVICES, EVEN IF CREDCO, CLCS, THEIR RESPECTIVE SUBSIDIARIES OR AFFILIATES OR THE CRA REPOSITORIES HAVE BEEN ADVISED 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. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON CREDCO/CLCS, THEN YOU AGREE THAT CREDCO'S/CLCS'S TOTAL LIABILITY FOR ANY OR ALL OF YOUR LOSSES OR INJURIES FROM CLCS'S OR CREDCO'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE YOU PURCHASED FROM CLCS/CREDCO.

GENERAL PROVISIONS

Governing Law

These Terms and Conditions are governed by the laws of California without regard to conflict of law provisions. You hereby consent to the exclusive jurisdiction of the courts of the State of California. Venue shall be in San Diego County, California.

Entire Agreement

These Terms and Conditions, the Privacy Policy, and other policies Credco/CLCS may post constitute the entire agreement between Credco/CLCS and you in connection with your use of this Web Site, the Services, and the Content, and supersede any prior versions of the terms and conditions, if applicable. Credco/CLCS may update these terms and conditions from time to time by posting revised Terms and Conditions on this Web Site, without notice to you, and your subsequent use of the Web Site or Services is governed by those new Terms and Conditions. The Terms and Conditions are effective until terminated by Credco and/or CLCS. In the event of termination, the Intellectual Property, Disclaimers and Limitations of Liability, and Governing Law provisions set forth in these Terms and Conditions will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in this Web Site, these Terms and Conditions 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.

Privacy Policy Notice

Credco's/CLCS's policy on how your personal information is used and disclosed is contained in our Privacy Notice. The Services provided under these Terms and Conditions are web-based and you agree to accept this notification, revisions, and the provision of an annual notice electronically through this Web Site. Click here for a copy of CLCS's/Credco's Privacy Policy.