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ID THEFT PROTECTION™

AN IRIS POWERED BY GENERALI SERVICE

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LEGAL


TERMS AND CONDITIONS OF IDENTITY PROTECTION PRODUCTS

TERMS AND CONDITIONS OF IRIS POWERED BY GENERALI IDENTITY PROTECTION PRODUCTS

This website (the “Site”) is owned and/or operated by Generali Global
Assistance, Inc., dba Iris® Powered by Generali (“Iris”) and is subject to the
Terms of Service, Privacy Policy, and other legal notices posted on the Site,
and these Terms and Conditions, which you should read before proceeding.

Iris provides the services listed below (“the Products”), which are part of
Iris’s Identity Protection Program ("IDP"). The IDP Products are accessible
through the Iris Identity Protection Portal (“IPP”) and the Products may only be
used by you in accordance with these Terms and Conditions (the “Terms”).

PLEASE REFER TO THE PLAN DETAILS IN YOUR ACCOUNT DETAILS PAGE TO BE AWARE OF THE
PRODUCTS THAT ARE INCLUDED IN YOUR IDP.

Some programs are available only to the Primary Member and others may also be
available to some family members. Please refer to your account details page.

These Terms set forth the terms and conditions applicable to your use of the IDP
Products as a Member, meaning that by enrolling in the IDP Program or by using
any of the IDP Products you as the Member agree to the Terms. By accessing the
IPP, enrolling or attempting to enroll in the IDP, or using the Products you
acknowledge and agree that these Terms are a legally binding contract between
you and Iris. Any Member who does not agree to the Terms is not authorized to
use the Products.

We will update this TOS, The Terms and Conditions and/or the Privacy Policy as
necessary and we will post the updated version on the Site.

By enrolling in the IDP Program and/or by using any of the IDP Products you as
the Member, represent and warrant that the information provided to the IDP is
true and correct to the best of your or such Member’s knowledge and belief.

By enrolling in the IDP Program or by using any of the IDP Products, you as the
Member hereby expressly and irrevocably agree that regardless of your place of
legal residency or your physical location at the time the IDP Products are
utilized, the IDP Program and the IDP Products are provided to Members subject
exclusively to the privacy and ID protection laws, rules and regulations of the
United States and the State of New York (the “Applicable Laws”). Other countries
and jurisdictions may have privacy and ID protection laws (“Other Laws”) that
provide greater or different protections than those provided by the Applicable
Laws. To the extent you may lawfully do so, you as the Member hereby expressly
and irrevocably waive the application of all Other Laws to these Terms and
Conditions, the IDP Program and the IDP Products provided to you.

Some IDP Product features may be provided through authorized third party
providers and may be subject to additional terms and conditions implemented by
those authorized providers.

 1. DEFINITIONS:

“Program” means the combination of Products that is included in your IDP. Please
refer tothe plan details in your Account Details page to be aware of the
Products that are included in your IDP.

“Effective Date” means the date when the Member enrolls in the IDP.

“Renewal Date” means each annual anniversary of the Effective Date.

DEFINITIONS APPLICABLE TO INDIVIDUAL PLANS

“Primary Member” “Member” and “you” means an individual person who has purchased
IDP and is duly enrolled in compliance with the terms of enrollment. A Member
must be at least 18 years of age and a citizen or legal resident of the country
indicated in the home address during enrollment.

DEFINITIONS APPLICABLE TO COUPLE AND FAMILY PLANS

Some programs are available only to the Primary Member and others may also be
available to some family members.

“Primary Member” means an individual person who has purchased IDP and is duly
enrolled in compliance with the terms of enrollment. A Primary Member must be at
least 18 years of age to purchase IDP and a citizen or legal resident of the
country indicated in the home address during enrollment.

“Member” and “you” means a Primary Member, a Spouse/Domestic partner and any
Dependent Children who are in compliance with the terms of enrollment in the
IDP. A Member must be a citizen or legal resident of the country indicated in
the home address during enrollment.

“Dependent Children” means unmarried children from the moment of birth,
including natural children, stepchildren and adopted children primarily
dependent upon the Primary Member for maintenance and support, and who are under
age 19 or under age 25 if enrolled as a full-time student, or unmarried children
regardless of age who are incapable of self-support because of a mental or
physical disability. When a Dependent Children reaches age 25, he or she will no
longer be eligible for services.

“Spouse” means a person who is married to the Primary Member.

“Domestic Partner” means the mentally-competent partner of a Primary Member,
either of the same or the opposite sex who is at least 18 years of age and has
met all of the following requirements for at least 6 months: i) resides with the
Primary Member; and ii) shares financial assets and obligations with the Primary
Member. We may require proof of the Domestic Partner relationship in the form of
a signed and completed affidavit of domestic partnership.

B. PREVENTION AND DETECTION PRODUCT SERVICES

IMPORTANT NOTICE: AS AN IDP MEMBER YOU ARE ENTITLED TO RECEIVE ANY OF THE IDP
SERVICES LISTED BELOW THAT ARE INCLUDED IN YOUR IDP PROGRAM MEMBERSHIP PLAN. IN
ORDER TO USE SOME SERVICES INCLUDED IN YOUR IDP MEMBERSHIP YOU MUST FIRST
ACTIVATE THE INDICATED SERVICES BY PROVIDING US OR OUR APPROVED THIRD PARTY
SERVICE PROVIDERS WITH ADDITIONAL INFORMATION ABOUT YOURSELF. PROVIDING SUCH
INFORMATION IS ENTIRELY OPTIONAL, BUT IF YOU CHOOSE NOT TO PROVIDE THE REQUESTED
INFORMATION, SOME INCLUDED SERVICES WILL NOT BE AVAILABLE FOR YOU TO USE OR YOU
MAY NOT BE ABLE TO RECEIVE ALL THE FEATURES OF INCLUDED SERVICES. ALL PERSONAL
INFORMATION WE RECEIVE FROM YOU WILL BE TREATED AS CONFIDENTIAL AND WILL BE USED
ONLY BY Iris AND ITS APPROVED SERVICE PROVIDERS TO HELP PROVIDE THE PRODUCT
SERVICES YOU HAVE REQUESTED. FOR ADDITIONAL INFORMATION RELATING TO USE OF
INFORMATION YOU PROVIDE IN CONNECTION WITH OUR PRODUCTS, PLEASE SEE OUR PRIVACY
POLICY.

1. 24/7 Expertise:Iris’s Identity Theft resolution specialists and online
resources are available 24/7 to educate you about how identity theft occurs as
well as provide tips to help keep your identity safe.

2.Identity Theft Protection Kit: Iris will provide you with an identity theft
protection kit that explains many forms of identity theft and provides
prevention advice and resolution resources. The kit also contains sample
affidavit form as well as sample letter templates for filing disputes in cases
of identity theft or fraud.

3.Preventative Education: Iris will provide online resources and phone
assistance via Iris’s Identity Theft Resolution center to educate you on how
identity theft occurs as well as protective measures anyone can take to limit
their risk.

4.Online Identity Monitoring Dashboard (requires activation): We will provide an
online monitoring dashboard to monitor your identity risk level, access Identity
theft protection tips and respond to alerts from our online platform.

5.Monthly risk alert/newsletter: Iris will send you communications to keep you
abreast of identity-related threats that are commonly faced by consumers in
today’s world as well as the services & protections you could utilize through
your identity theft protection program.

6. Credit Monitoring, Report and Score (requires activation and is available
only in select countries): If your IDP includes this Product, Iris will provide
you with access to your credit report and credit score and will monitor your
credit file for changes that could indicate fraud such as new credit inquiries,
an address change or new credit account(s) opened in your name.

Credit Monitoring Services:

Credit Monitoring–1 Bureau (requires activation and is available only in select
countries): Our credit monitoring services track your credit report at
TransUnion® and alerts you of any changes that could indicate fraud (e.g., new
credit inquiries, an address change, or a new credit account opened in our
name). Iris will send alert notification emails and/or text messages anytime
potentially unauthorized inquiries or suspicious activities on your credit file
are detected so you can take immediate action to minimize damage. You will be
able to view alert details, close out any legitimate activity, or flag reports
that need immediate attention. If you cannot successfully enroll in Credit
Monitoring, you will be notified via email or/and via text message.

Credit Monitoring–3-Bureau (requires activation and is available only in select
countries): If your IDP program includes this service, our credit monitoring
services track your credit report at the three major credit bureaus,
TransUnion®, Experian®, and Equifax®, and alerts you of any changes that could
indicate fraud (e.g., new credit inquiries, an address change, or a new credit
account opened in your name). Iris will send alert notification emails or/and
text messages anytime potentially unauthorized inquiries or suspicious
activities on your credit file are detected so you can take immediate action to
minimize damage. You will be able to view alert details, close out any
legitimate activity, or flag reports that need immediate attention.

Credit Report and Score– 1 Bureau (requires activation and is available only in
select countries): You will receive 24/7 online access to your credit report and
credit score at TransUnion® to view the factors that affect your credit score
and ensure that your credit history is accurate.

Credit Report and Score– 3 Bureau (requires activation): If your IDP program
includes this service, you will receive 24/7 online access to your credit report
and credit score from all three major credit bureaus to view the factors that
affect your credit score and ensure that your credit history is accurate.

Monthly Credit Report and Score Refresh (requires activation and is available
only in select countries): If your IDP program includes this service, we will
keep regular tabs on updates to your credit score with our monthly credit report
and score refresh (available on the first of every month)

Credit Monitoring Alerts (requires activation and is available only in select
countries): You will receive an alert if any changes to your credit profile are
detected, such as:

 * New credit inquiries

 * An address change

 * New credit account opened in your name

Notifications are sent via email or/and via text message so you can take
immediate action to minimize damage should the activity be unauthorized. This
service allows you to view alert details, close out any legitimate activity, or
flag reports that need immediate attention.

One-time credit report and no credit score (requires activation and is available
only in select countries). Some IDP programs may have this Product. If your IDP
includes this Product, you will have access to a one-time credit report and you
will not have access to your credit score.

One-time credit report and one-time credit score (requires activation and is
available only in select countries). Some IDP programs may have this Product. If
your IDP includes this Product, you will have access to a one-time credit report
and to a one-time credit score.

Enhanced credit alerts: If your IDP program includes this service, you will be
provided with 15 additional alert categories that can help you control your
credit. The enhanced credit alerts will inform you about changes to your credit
report that could indicate potential fraud or impact your credit standing. These
alerts pertain to activities related to your accounts, score, credit limit,
charge-offs, lost-stolen cards, collection, foreclosure and past due accounts.

Credit Monitoring Services Conditions (Applicable to US IDP programs only)

Eligibility: Credit Monitoring is available to the Member who must be at least
18 years of age.

Consent to Obtain Credit Information: By enrolling in the Credit Monitoring
service, you certify that the information you have provided in connection with
your account is true and accurate. You agree that, by enrolling in Credit
Monitoring, and each time you access your credit report or score, you are
providing "written instructions" as set forth in the Fair Credit Reporting Act
for TransUnion® to obtain your consumer credit report and score from a consumer
reporting agency including but not limited to Experian®, TransUnion®and/or
Equifax®. You also agree that, by enrolling in Credit Monitoring, you are
providing "written instructions" as set forth in the Fair Credit Reporting Act
for Iris to obtain your consumer credit report and score from a consumer
reporting agency including but not limited to Experian®, TransUnion®and/or
Equifax®, solely for the purpose of (i) attempting to authenticate your identity
in the event you cannot successfully enroll in Credit Monitoring through the
online enrollment process on the IPP, or (ii) in the event you are the victim of
identity theft. Iris does not store your credit report or score or share that
information withthird parties. (TransUnion®is a registered trademark of
TransUnion LLC., Experian®is a registered trademark of Experian Information
Solutions, Inc. and Equifax®is a registered trademark of Equifax, Inc.)

Service only Available if We Can Match: If Credit Monitoring cannot match you
with a consumer report or is otherwise unable to obtain your score, you will not
be able to use this service until such time as you have built a credit history
or otherwise corrected the matching error that has prevented us from obtaining
your credit.

Communications: You agree to receive in electronic form all other communications
regarding Credit Monitoring services. As part of the Credit Monitoring service,
we may send you alerts by email or/and text message. You consent to receive
these communications.

Right To Receive A Free Credit Report From AnnualCreditReport.com: Credit
Monitoring provides access to your credit score and related information.
However, it’s important to know that, by law, you also have the right to free
credit reports from AnnualCreditReport.com or by calling 877-322-8228, which is
the authorized source under Federal Law for free credit reports. By law, you may
obtain one free credit report from each of the three national credit reporting
agencies (Experian, Equifax, and TransUnion) during any twelve-month period. For
more information, go to:consumerfinance.gov.

Termination: We may terminate your access to Credit Monitoring at any time and
for any reason without notice. If you close your account or your account charges
off, we will terminate your access to Credit Monitoring.

7. SMS/Text Alert Option (requires activation and is available only in select
countries): We will provide email alerts with an option to add SMS/Text for
suspicious activity alerts, account updates, billing issues and/or your monthly
risk status notification. See Terms of Service for more details about this
service.

8.IDENTITY MONITORING SERVICES

8.1 Identity Monitoring (requires activation to access your alerts): If your IDP
includes this Product, you will receive access to Identity Monitoring ("Identity
Monitoring"): Through its authorized provider, Iris provides internet searches
to detect compromised credentials and potentially damaging use of your personal
information, and alert you via email or/and text message so that you can take
immediate action. This platform utilizes automated monitoring and human threat
intelligence from cyber operations agents monitoring threat actors and their
tactics on the deep and dark web where personal data is bought and sold.
Examples of types of alerts include:

Detect Pre-Existing Conditions: The identity monitoring service conducts a
look-back, searching potentially compromised data to attempt to identify
previously unknown incidents of identity theft.

High Risk Transactions:This service monitors your high-risk transactions with
more than 300 of the nation’s largest companies to uncover and thwart account
takeover attempts.

Compromised credentials: This service monitors your online credentials on
sources such as hacker dump sites, the black market, hacktivist forums, file
sharing portals, botnet exfiltration, data leaks and malware logs. If your
username, email address, or passwords are found within a corporate data breach,
on malicious third party botnets, or in criminal forums, we will alert you.

Internet Black Market Surveillance: This service monitors the underground
economy to uncover exposed, sensitive information to determine if your personal
identifying information appears. Additionally, you will be notified of upcoming
expirations associated with information you enter for monitoring.

Identity Monitoring Alerts: Identity monitoring alerts are sent via email or/and
text message when pieces of your identity are detected under suspicious
circumstances so that you can take immediate action to minimize damage. When you
log in, you can view alert details, close out any unwarranted alerts, or flag
the ones that need immediate attention.

URL and Domain Monitoring: URL and Domain monitoring allows you to enter an up
to 10 domain or url names related to your small business. This service will
monitor the domain and url names for any compromised email addresses associated
with the domain or url names and if compromised email addresses are found in a
data breach, this service will alert you via email or/and text message and will
provide information regarding the specific email address that was breached along
with information about the date found and source (provided that this information
is available).

C. IDENTITY THEFT RESOLUTION PRODUCT SERVICES:

If your IDP includes Identity Theft Resolution Services, if you experience an
identity theft incident (“Identity Theft”) our Identity Theft Resolution
services can help. Upon notification of an Identity Theft of a Member and
receipt of a duly completed and executed authorization form from the Member, we
treat each Identify Theft as an emergency and will perform any or all of the
following steps necessary to attempt to undo or prevent further damage to you:

1. 24/7/365 US BasedCertified Identity Theft Resolution Specialists: Our team of
Identity Theft Resolution Specialists is available 24/7 year-round to help
resolve your Identity Theft incident and prevent further damage. Our Resolution
Specialists have both Federal Credit Reporting Act (FCRA) and Certified Identity
Theft Risk Management Specialist (CITRMS®) certifications.

2. Translation Services: We’ll translate when necessary, such as when you’re
overseas and need help communicating with the local authorities in order to file
a report of an Identity Theft incident. It is the responsibility of the Member
to pay for any cost associated with the translation services.

3. Attempted Resolution: A representative of our company will perform the
necessary tasks to attempt an identity resolution for you or a loved one on your
plan (after a police report, limited power of attorney, and identity theft
affidavit are completed and submitted).

4. ID Theft Affidavit Assistance and Submission: If your identity has been
compromised, we’ll provide you with a pre-populated identity Theft affidavit to
dispute any fraudulent claims or activity. After assisting with its completion,
we will submit it to the authorities, credit bureaus and creditors on your
behalf.

5. Creditor Notification, Dispute and Follow-Up: In those countries where
available, we’ll contact your creditors’ fraud departments with separate
itemized account statements to dispute each fraudulent occurrence. We will also
continue to follow-up until each matter has been properly handled keeping you
notified throughout the process with a status report on a regular basis.

6. 3-Bureau Fraud Alert (Available only in the US): Iris will enhance your fraud
protection by assisting with placing a fraud alert on your records at all three
credit bureaus. Iris will assist with placing a fraud alert on your records at
all three major credit bureaus to add a layer of protection from fraudulent
activity. A fraud alert can be set by you directly with TransUnion via the IPP
or directly with TransUnion or with the other credit bureaus. By setting up an
Initial One Year Fraud Alert with TransUnion via the IPP, you will have a fraud
alert with the other two credit bureaus. You may place a fraud alert provided
you have a good faith suspicion that you are or are about to become a victim of
identity fraud or related crime, including identity theft. Extended Fraud Alerts
and Active Duty Fraud Alerts can only be set by you directly with TransUnion or
with the other credit bureaus. Placing an Extended Fraud Alert or an Active Duty
Fraud Alert with one credit bureau will not set it up with the other two. You
have to place Extended Fraud Alerts or/and Active Duty Fraud Alerts with each
credit bureau separately.

7. Inform Police/Legal Authorities: We’ll assist you in reporting the fraudulent
activity to the local authorities and we will forward a report of the fraudulent
activity to creditors.

8.Locate Authorities Nearby: When you are away from home, we will assist in
locating local authorities for you to report any incidents of fraudulent
activity.

9.Lost Wallet Assistance: We’ll assist with notifying the appropriate bank or
issuing authority to assist you in canceling or replacing stolen or missing
items such as credit/debit card, driver’s license, Social Security card, or
passport.

10. Medical Identity Theft Assistance: In those countries where available, we
will, in the event you become the victim of medical identity theft, provide help
with fraudulent medical claims placed in your name and medical care that was
received fraudulently by another individual in your name. We will help you to
ensure that healthcare, insurance claims and medical records are corrected and
we will involve our in-house medical staff if necessary. If your identity is
fraudulently used to obtain medical services and treatment, we’ll work with your
healthcare providers and insurers to attempt to resolve the issues, ensuring
that your claims and medical records are corrected. We will involve our in-house
medical staff if necessary.

D. SCAMASSIST™ RESEARCH SERVICE (Available only in select countries)

If your IDP includes this Product, Iris will attempt to help you determine if an
offer or solicitation you have received is an apparent scam, is from a malicious
source, or is otherwise unsafe to engage with. You will be entitled to open up
to four (4) ScamAssist™ cases in any given calendar month.

In the ScamAssist™ Service, Iris resolution specialists research and attempt to
determine whether the offer or solicitation you have received is an apparent
scam, is from a malicious source, or is otherwise unsafe to engage with.

Members should be aware that no system used to detect scammers, malware or
dangerous items is entirely successful or foolproof. Accordingly, Members who
use ScamAssist™ and any findings and/or safety assessment provided to Members in
the content of the email do so entirely at the Members’ own risk.

Iris’s ScamAssist™ services are provided to Members on an "AS IS" and "AS
AVAILABLE" basis. Without limiting the foregoing, Iris AND ITS AFFILIATES,
AGENTS, PARTNERS AND SUBSIDIARIES DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED,
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT IN
CONNECTION WITH SCAMASSIST.

Iris may use or rely upon third-party websites or resources to perform
ScamAssist™. By using ScamAssist™, you acknowledge and agree that Iris is not
responsible or liable for: (i) the availability or accuracy or effectiveness of
such websites or resources; or (ii) the content, products, or services on or
available from such websites or resources. Usage by Iris of such resources, or
links to such websites or resources that may be found on the Iris website, does
not imply any endorsement by Iris of such websites or resources or the content,
products, or services available from such websites or resources. By using
ScamAssist™, you acknowledge sole responsibility for and assume all risk arising
from your reliance on Iris’s findings based on Iris’s use of any such websites
or resources.

E. SERVICES AVAILABLE TO SMALL BUSINESSES ONLY:

Small Businesses IDP programs may include some of the services described in
these Terms. However, the following services are available only to Small
Business owners (“Merchants”):

Small Business Monitoring (requires activation to access the Merchant’s alerts):
Through its authorized provider, Iris will provide internet searches to detect
compromised credentials and potentially damaging use of Merchant’s information.
If suspicious activity is found, the Merchant will see an alert in the IPP or
will receive an alert via email, which will allow the Merchant to take action
promptly. Included are the following search categories which will generate
alerts:

URL/Domain monitoring: This service monitors the Merchant’s business url/domain
within a corporate data breach, malicious third party botnets, or criminal
forums;

Company name monitoring: This service monitors the Merchant’s company name
within corporate data breaches;

DUNS number monitoring: This service monitors the Merchant’s 9 digit Data
Universal Numbering System number within a corporate data breach, malicious
third party botnets, or criminal forums;

Brand name monitoring: This service monitors the Merchant’s product brand name  
within corporate data breaches;

EIN number monitoring: This service monitors the Merchant’s Employer
Identification Number (used for tax purposes in the US only), within a corporate
data breach, malicious third party botnets, or criminal forums;  

Safe number monitoring: This service monitors the Merchant’s Secretary of State
issued business ID number upon registering with a state in the US, within a
corporate data breach, malicious third party botnets, or criminal forums;

IBAN monitoring: This service monitors the Merchant’s International Bank Account
Number within a corporate data breach, malicious third party botnets, or
criminal forums. 

F. CANCELLATION POLICY:

The IDP membership may be cancelled by the Member. To cancel your IDP Program,
please contact Iris, details provided in the upper right hand side area of the
IDP website. Cancellation is effective immediately upon receipt of the
telephonic or written request from the Member (the “Cancellation Date”).

G. TERM:

The program is effective on the day of sale (the “Effective Date”) and is active
for one year or as long as you remain an eligible Mastercard card holder and
while the program is in effect.Thereafter, on each anniversary of the Effective
Date (each a “Renewal Date”), the IDP will renew automatically for additional
one (1) year terms unless the Primary Member gives notice of his or her
intention not to renew or if the Primary Member is no longer an eligible
Mastercard cardholder or the IDP program is no longer in effect.

H. RENEWAL TERM:

After the Initial Term, the program renews automatically for additional one (1)
year terms unless the Member gives notice of his or her intention not to renew
before the Renewal Date or if the Primary Member is no longer an eligible
Mastercard cardholder or the IDP program is no longer in effect. Iris will send
a renewal notice to the Member one month prior to the Renewal Date to inform him
or her that the IDP membership will automatically renew.

I. LIMIT OF LIABILITY:

By enrolling in the IDP program and/or by using any of the services, you and any
Member agree that the total and exclusive liability of Iris and its employees,
officers, directors, attorneys, agents, assigns and third-party contractors (the
“Iris Parties”) to you for any claims, demands or damages relating to or arising
out of IDP, the provision of services or any failure to provide services, shall
be limited, in the aggregate, to fifty dollars (U.S. $50.00) (“Limit of
Damages”). You, as Member agree to indemnify and hold the Iris Parties harmless
for all damages, costs and expenses, including reasonable attorneys’ fees and
costs, incurred by Iris in or relating to any legal proceeding brought by or on
behalf of you or any Member for any claim, demand or damages in excess of the
Limit of Damages. To the maximum extent permitted by law, notwithstanding any
other provision of these Terms and Conditions, in no event shall Iris be liable
to you or to any Member for any exemplary or punitive damages, any remote or
consequential damages or any damages not arising directly and proximately from
the provision of services, regardless or whether or not such damages were
reasonably foreseeable by Iris at the time of the provision of services or the
Member’s enrollment in the IDP program.

J. LIMITATIONS AND EXCLUSIONS:

1. Identity Theft(s) discovered by Members prior to enrollment in the IDP
program are not eligible for services.

2. Iris does not guarantee that its intervention on behalf of the Member duly
enrolled in the IDP will result in a particular outcome or that its efforts on
behalf of the Member will lead to a result satisfactory to the Member.

3. Iris may determine that services cannot be provided in certain countries or
locales because of situations such as war, natural disaster, political
instability or regulatory restrictions. Iris will attempt to assist a Member
consistent with the limitations presented by the prevailing situation in the
area.

5. Services cannot always be assured if conditions such as war, disaster or
political instability render assistance Services difficult or impossible to
provide.  In such instances, Iris reserves the right to suspend, curtail or
limit its services in any area in the event of rebellion, riot, military
uprising, war, terrorism, labor disturbance, strikes, nuclear accidents, acts of
God or refusal of authorities to permit Iris to fully provide Services or
inclusion on an economic or trade sanction list (such as, but not limited to the
U.S. Department of the Treasury’s Office of Foreign Assets Control List).

4. Iris shall not be responsible for failure to provide, or for delay in
providing services when such failure or delay is caused by conditions beyond its
control, including but not limited to labor disturbance and strike, rebellion,
riot, civil commotion, war, terrorism, or uprising, nuclear accidents, natural
disasters, acts of God, inclusion on an economic or trade sanction list or where
rendering services is prohibited by local law or regulations.

5. (Applicable to US Programs only) Unless otherwise indicated, all credit
scores furnished with our Products are TransUnion® Credit Scores. By this, we
mean that all credit scores are prepared by TransUnion and make use of the
TransUnion® VantageScore®3.0, which is a proprietary credit model developed by
TransUnion®. Although the TransUnion® VantageScore® 3.0 is sometimes used by
lenders, it is unlikely that your particular lender will use the TransUnion
VantageScore®3.0. When prepared and delivered to you as part of the IDP, the
TransUnion®VantageScore® 3.0 is provided solely to help you understand how
lenders may evaluate your overall credit risk. Therefore, nothing in any of our
Products is an endorsement or a determination of any person's qualification for
a loan, or any other extension of credit.

6. (Applicable to US Programs only) Your use of the TransUnion® Credit Scores is
subject at all times to all TransUnion terms and conditions, restrictions, and
disclaimers. Iris assumes no responsibility of any kind for the completeness or
accuracy of any TransUnion® Credit Score. Iris does not represent that the
TransUnion® VantageScore® 3.0 is identical or similar to any other credit score
or score model.

7. (Applicable to US Programs only) In the case of the TransUnion® VantageScore
3.0®, refer to TransUnion’s Terms of Use at click here.

8. (Applicable to US Programs only) MANY GOVERNMENT RECORDS ARE AVAILABLE FREE
OR AT A NOMINAL COST FROM CERTAIN GOVERNMENT AGENCIES. IN ADDITION, 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. NONE OF THE PRODUCTS OFFERED
THROUGH THIS SITE ARE INTENDED AS A SUBSTITUTE FOR THE CONSUMER CREDIT
INFORMATION THAT MAY BE AVAILABLE TO YOU WITHOUT CHARGE. PRIOR TO PURCHASING ANY
PRODUCT, YOU SHOULD VISIT WWW.ANNUALCREDITREPORT.COM FOR FURTHER DETAILS
REGARDING YOUR RIGHT TO OBTAIN A COPY OF YOUR CONSUMER CREDIT FILE.

9. EXCEPT FOR EXPRESS WARRANTIES, IF ANY, STATED IN THESE TERMS AND CONDITIONS,
ANY SOFTWARE USED OR SERVICES PROVIDED IN CONNECTION WITH THE IDP AND ASSOCIATED
PRODUCTS, IS PROVIDED “AS IS,” WITH ALL FAULTS, AND THE ENTIRE RISK AS TO
SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU, THE USER.
IN ADDITION, Iris EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTY OF MERCHANTIBILITY,
FITNESS FOR A PARTICULAR PURPOSE, AND SUITABILITY FOR YOUR INTENDED PURPOSES.

10. Note: some creditors may require Members to provide their authorization over
the telephone before our Resolution Specialists can begin to work with the
creditor directly in resolving an identity theft case.

K. GOVERNING LAW AND JURISDICTION:

These Terms shall be deemed to be made in the State of New York and shall in all
respects be interpreted, construed and governed by and in accordance with its
laws without application of conflicts of law provisions. For any disputes
arising out of the Terms, the parties irrevocably submit to the jurisdiction of
the local and federal courts of the State of New York, which shall serve as the
exclusive forum for the purposes of any suit, action or other proceeding, except
for a suit by Iris seeking injunctive relief, which Iris may pursue in any
appropriate forum.

L. SPECIAL PROVISIONS PERTAINING TO COUPLE AND FAMILY PLANS (Applicable to
Couple and Family Plans only)

Couple Plan.

The Iris Couple Plan allows the Primary Member to purchase a single membership
that enables their Spouse or Domestic Partner to enjoy the Plan benefits.
Although the Primary Member may pay for their Spouse or Domestic Partner to be
in the Couple Plan, each Member of the Plan must separately enroll in the Plan
by providing their own email address and other identifying information to access
the Couple Plan benefits. Each Member will have their own login and password.
Neither Member in a Couple Plan is allowed to access the personal information of
the other Member and all notifications, alerts and monitoring information will
be sent only to the email address or telephone number (if sent via text message)
provided by the individual Member at the time such Member signs up for IDP
services.

Family Plan.

The Iris Family Plan allows the Primary Member to purchase a single membership
that enables their Spouse or Domestic Partner to enjoy the Plan benefits In
addition, the Family Plan allows the Primary Member to monitor up to six (6) of
their Dependent Children by means of the "Child Monitoring" Product feature of
the Plan. Information pertaining to minor Dependent Children will be associated
with and viewable on the Primary Member’s account. Dependent Children between
the ages of 18 -24 may be enrolled under the Family Plan only as adult Members
with their own email, login and password, and their information will not be
viewable by the Primary Member. When a Dependent Child reaches age 25, he or she
will no longer be eligible for services.

Enrollment of Minor Children in Family Plan.

As part of your Family Plan membership, you are entitled to enroll Dependent
Children. You may enroll Dependent Children under the age of 18 for whom you are
the legal parent or guardian by providing required information including, but
not limited to, a valid Social Security number and date of birth for each of
your minor children, and supporting documentation as requested. When a Dependent
Child turns 18, you will be notified to provide an email for that child and your
access to the child’s information will be blocked. A Dependent Child 18 years
and older must set up their own password and login to retrieve their
information.

Further Certifications or Documents May Be Required.

We will provide information about a minor child only to a Primary Member who is
also the minor child's parent or legal guardian. By enrolling any minor child,
you must certify that each such child is under the age of eighteen (18) years of
age and you are the parent or legal guardian of each minor child whom you have
named on the enrollment forms. We may also require further documentation
regarding your status as parent or legal guardian prior to releasing certain
information to you. YOU ACKNOWLEDGE AND AGREE THAT IT IS ILLEGAL FOR ANYONE TO
OBTAIN PERSONAL INFORMATION CONCERNING A MINOR CHILD FOR WHOM THEY ARE NOT THE
PARENT OR LEGAL GUARDIAN AND YOU FURTHER ACKNOWLEDGE AND AGREE THAT YOUR
ENROLLMENT OF YOUR MINOR CHILD REQUIRES US TO OBTAIN INFORMATION ABOUT YOUR
CHILD AND THAT ANY INFORMATION ABOUT YOUR MINOR CHILD THAT YOU OBTAIN FROM US
WILL BE USED SOLELY FOR THE PURPOSE OF ASSISTING YOU IN PROTECTING YOUR MINOR
CHILD AGAINST ACTUAL, SUSPECTED OR POTENTIAL FRAUD.

Automatic Suspension.

When a Dependent Child turns 18, you will be notified to send a link to your
child to enroll with that child’s own email, login and password under the Family
Plan. On the child’s 18th birthday, your access to the child’s information will
automatically cease and all Child Monitoring will automatically cease on that
date. Once this occurs, you will no longer be eligible to receive monitoring of
any sort regarding that child. If your Dependent Child proceeds to enroll under
the Family Plan as an adult, they may continue to receive the Family Plan
Product for as long as they remain an eligible Dependent Child and your Family
Plan stays in effect.

Last Revision Date: July 12, 2022

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