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TERMS AND CONDITIONS

ALLSTATE IDENTITY PROTECTION

PLEASE READ THIS ENTIRE AGREEMENT AS IT AFFECTS YOUR RIGHTS.

These Terms and Conditions (also referred to herein as the “Agreement”) set
forth the terms and conditions under which InfoArmor, Inc. (known as “Allstate
Identity Protection,” “we,” “us,” or “our”) will provide identity and privacy
protection, as well as any other products and/or any related services
(collectively, the “Products”) to you and, if applicable, your dependent family
members (collectively, “you” or “your”) as subscribers for any such Products.
InfoArmor, Inc. is a subsidiary of The Allstate Corporation and provides the
Products described herein.

By using any of the Products, you agree to these Terms and Conditions. Further,
by using any of the Products, you represent that you are a natural person over
18 years of age and that your access to and use of the Products does not and
will not violate any applicable law. Additionally, you represent and warrant
that you are a U.S. resident, that you have provided true, accurate and correct
information including, if applicable, your valid U.S. Social Security Number, in
connection with your registration, and that you will only use the Products for
lawful purposes, in accordance with the terms of this Agreement and in
connection with your personal accounts. Any new features included in the
Products in the future will also be subject to this Agreement and may have
Additional Terms (see Section H below).

Among other things, this Agreement contains a provision requiring the use of
arbitration to resolve disputes, instead of jury trials, class actions or any
other resolution process. This provision is in Article I(S) below and is
entitled “Arbitration Provision and Class Action Waiver.”

This means that, instead of suing each other in court, the parties agree to
settle disputes only by arbitration. Arbitration works differently. There is no
judge or jury, and review is limited but, like a court, the arbitrator can award
damages and relief and must honor the limitations contained in this Agreement.

By agreeing to arbitration, the parties understand and agree that they are
waiving their rights to utilize all other available resolution processes (e.g. a
court action or administrative proceeding) to settle disputes.

If you do not wish to agree to arbitration and waive your right to all other
available resolution processes, you may opt out of the mandatory arbitration and
class action waiver provision by notifying Allstate Identity Protection within
30 calendar days of your acceptance of this Agreement by sending a notification
that includes your name, member ID, and the email address you used to sign up
for the Products via electronic mail to infoarmorservices@infoarmor.com.

ARTICLE I GENERAL TERMS AND CONDITIONS APPLICABLE TO ALL SUBSCRIBERS

A. Authorization. You authorize Allstate Identity Protection and its
subcontractors and service providers to obtain, analyze, process and scan for
your own personal information and, if applicable, anyone else you add to your
account for whom you subscribe for any Products (as described below) under a
Family Plan (as described below), including, without limitation, credit and
transaction information and, if you enroll in social monitoring, information
regarding usage of and behavior on social networks, and to transmit this
information to you for your own use. You certify that you are the parent or
legal guardian of all children under the age of 18 for whom you subscribe for
any Products. You specifically grant permission to Allstate Identity Protection
and its subcontractors and service providers to obtain your credit, transaction
and social media information and the credit, transaction and social media
information of your children under the age of 18 from third-party credit
reporting companies and other third-party sources to verify your and such
children’s identities and provide such credit, transaction and social media
information to you. Information that Allstate Identity Protection collects from
you will be treated in accordance with Allstate Identity Protection’s Privacy
Statement, which you can find here: www.allstateidentityprotection.com/privacy
(“Privacy Statement,”).

B. Refusal of Subscription. We reserve the right to reject any request to
subscribe for any Products for any reason including, without limitation, (i)
unavailability of a service in the state where you reside or other legal
restrictions, (ii) your credit history, (iii) your inability to provide an
Appropriate Payment Method (as defined herein), or (iv) your attempt to
subscribe for any Product subject to a Coverage Cap (as defined in the Summary
Description of Benefits for the Personal Internet & Identity Coverage Policy,
and as made available for your review in your online account where we previously
paid claims to you or on your behalf).

C. Product Enrollment. You agree to provide valid, accurate, and current
personal information during registration for any Product. You understand that
Allstate Identity Protection’s ability to provide certain Product features is
dependent upon your provision of valid, accurate and current information. You
acknowledge and agree that you will not be able to obtain access to certain
Product features if you do not properly enroll. You also acknowledge and agree
that Allstate Identity Protection, its subcontractors, partners and/or service
providers will not be responsible or liable for any acts or omissions related to
your provision of, or your failure to provide valid, accurate and current
personal information. You may enroll yourself or you may use an authorized
third-party to enroll you by having such authorized third-party provide us with
your information on your behalf, together with documentation or other evidence
acceptable to us that such third party is authorized to register you and provide
such information on your behalf. You may enroll minor children and/or dependents
in our Family Plan (described below) if you are their parent or legal guardian
and have lawful authority to do so. By enrolling minor children and/or
dependents, you acknowledge that this Agreement applies to them and that you
agree to and accept the terms of this Agreement on their behalf. By enrolling
your spouse or other family members in the Products, you are representing to us
that you have their express permission to enroll such family members in the
Products. You further agree and acknowledge that this Agreement applies to them
and that you accept the terms of this Agreement on their behalf. However, under
no circumstances may you enroll your spouse or other family members or
dependents who are over the age of 18 into credit monitoring. Any such spouse,
adult family member or adult dependent must register for credit monitoring and
pass identity verification separately.

D. Family Plan. Our Family Plan provides a portal that enables you and your
authorized family members to access and manage the Products from one account. By
creating a family account, you grant account access to all authorized family
members to view alerts, reports, scores and other disclosures made through your
account. If you or other family members do not want shared family access, you or
such family members may contact our customer service department to have one or
more separate accounts created. Family member coverage extends to your (i) legal
or common law spouse, (ii) dependent children or other dependent family members
who reside with you, and (iii) dependent children, or other dependent family
members who do not reside with you but who are supported financially by you. All
such family members must be individually registered to be covered by our
Products.

E. No Fraud Alerts; Network Limitations. You understand and agree that the
Products (including any of our services that may be used in connection with the
Products) do not include the placing of fraud alerts with credit reporting
agencies. Additionally, you understand and acknowledge that we monitor your
personal information using our network, which is composed of certain proprietary
technologies and databases owned by, or otherwise licensed to, us for our use,
and that not all transactions, including fraudulent transactions using your
personal information, may be monitored due to limitations in the scope and
breadth of our network. During the term of your use of the Products, our network
and its scope may change without notice to you. You also understand that it may
take up to four weeks from acceptance of this Agreement and enrollment in the
Products for all related services to be fully activated.

F. No Credit Repair. We are not a credit repair organization or similarly
regulated organization under applicable laws, and do not provide any form of
credit repair advice. We may offer you access to your credit report and other
credit-related information, but we do not offer products, advice, counseling or
assistance for the express or implied purpose of repairing or improving your
credit. You acknowledge that no one, including Allstate Identity Protection, may
legally remove accurate and timely factual information or negative information
from a credit report.

G. Mobile Alerts. Allstate Identity Protection may make certain features of the
Products, including alerts, available on or through your registered mobile
device. Such features of the Products may be made through push notification, SMS
text message, or other mobile alert. If you elect to participate in mobile
alerts through the Products, you have the obligation to lock your mobile device
and otherwise protect your information contained therein. You consent to the
receipt of SMS messages from Allstate Identity Protection in the quantity,
frequency, and types delivered through the Products. You are responsible for any
fees or other charges (including, where applicable, roaming and data charges)
that your wireless carrier may charge for any related data or message services.
You understand and agree that Allstate Identity Protection is in no way
responsible for, and expressly disclaims any and all liability related to, the
failure of a mobile alert to be actually, accurately, timely, or fully delivered
to you for any reason whatsoever, including, but not limited to, technical
errors or other problems with our systems, those of our subcontractors or
service providers, those of your mobile service provider, any other third-party
company, or issues related to your mobile account or device. SMS texts

 1. When you sign up for Allstate Identity Protection, you consent to receiving
    mobile SMS messages, which help you log into our Services and allow us to
    notify you when there is activity on your monitored accounts that you should
    review.

 2. You can cancel the SMS service at any time. Just text "STOP" to the short
    code. After you send the SMS message "STOP" to us, we will send you an SMS
    message to confirm that you have been unsubscribed. After this, you will no
    longer receive SMS messages from us. If you want to join again, just sign up
    as you did the first time and we will start sending SMS messages to you
    again.

 3. If you are experiencing issues with the messaging program you can reply with
    the keyword HELP for more assistance, or you can get help directly at
    1-800-789-2720.

 4. Carriers are not liable for delayed or undelivered messages.

 5. As always, message and data rates may apply for any messages sent to you
    from us and to us from you. Message frequency varies. If you have any
    questions about your text plan or data plan, it is best to contact your
    wireless provider.

 6. If you have any questions regarding privacy, please read our Privacy
    Statement.

H. Modification of this Agreement and Products; Additional Agreements;
Additional Terms; Revocation of Consent to Electronic Modifications. We reserve
the right, at our discretion, to change or supplement the terms of this
Agreement at any time by posting a new version on this website,
www.allstateidentityprotection.com/terms-conditions (this “Site”) or by
otherwise notifying you of the revised Agreement. If you do not agree to this
Agreement as modified, you must stop using the Products. Your continued use of
the Products following the posting of any changes to this Agreement constitutes
your acceptance of those changes. You may withdraw your consent to receive
modifications to this Agreement or Additional Agreements in electronic form by
emailing us at infoarmorservices@infoarmor.com or calling us at 1-855-821-2331
and we will send revisions to this Agreement and Additional Terms in printed
form to the most current address that we have for you in our records.

We reserve the right to change, modify, expand, discontinue, or retire any
Product, or any feature thereof, at any time.

If you ask us to assist you with the restoration of your identity following an
event of identity fraud, we may need to send you a package of documents (the
“Additional Agreements”) which you will need to sign and return to us before we
can take action to restore your identity. There will be no extra charge for
these services. We will reimburse any incremental expenses, such as notary fees,
postage, courier charges, fax charges, photocopies or any additional
miscellaneous costs associated with your handling and submission to us of the
Additional Agreements to the extent they are directly related to the identity
theft incident.

If you enroll in certain Products, you may be subject to the terms and
conditions as well as privacy statement of a subcontractor or service provider
who is providing that Product (“Additional Terms”). The Additional Terms are
agreements between you and such subcontractors or service providers. You will be
provided the link to and asked to agree to such Additional Terms when you enroll
in the applicable Product.

I. Personal Information Privacy. We will undertake to protect your personal
information, including your first name, last name, address, U.S. Social Security
Number, date of birth, and any information provided to activate monitoring using
methods that are consistent with industry best practices, as set forth in our
Privacy Policy. However, you authorize Allstate Identity Protection to provide
your personal information to our subcontractors and service providers to receive
and use this information as Allstate Identity Protection deems reasonably
necessary in the course of performing Product enrollment or any other action
taken in connection with providing the Products. Please read our Privacy Policy.
By using any of the Products you are also accepting our Privacy Policy.

J. Personal Conduct. You understand and agree that you have an obligation to act
responsibly to protect your personal information in a reasonable way. You
further understand and agree that you have a duty not to allow the reckless
disclosure or publishing of your U.S. Social Security Number, credit card or
bank account numbers, and/or similar personal information to persons who may
reasonably be expected to misuse such information (e.g., “phishing” scams,
unsolicited emails, etc.). You also agree to keep and protect your account login
information for your subscription for the Products from unauthorized use. Should
you breach your obligation to protect your account login information, Allstate
Identity Protection may terminate your use of the Products without advance
notice to you.

K. Intellectual Property. Allstate Identity Protection retains sole and
exclusive right, title and interest in and to our Products and any modifications
made using the Products, as well as all proprietary inventions and technology
associated therewith (whether or not patentable), and all of our trademarks,
copyrights, service marks, designs, logos, URLs, and trade names that are
displayed in connection with our Products (collectively, the “Marks and
Copyrights”). All of our proprietary inventions and technology, and all
promotional materials, advertising, websites and other company marketing methods
or venues are protected by various intellectual property laws, including, but
not limited to, trade secret, copyright, and trademark laws. Any use of our
Marks and Copyrights, or any other proprietary intellectual property, is
strictly prohibited without our prior written consent.

L. Linking Policy; Third Party Promotions. In connection with the Products that
we offer, we have established Internet links from our website to select news
media outlets, the Federal Trade Commission, and other relevant websites. These
linked websites are not under our control, and we are not responsible for their
content or delivery. Our use of such links does not constitute or imply our
endorsement or guarantee of the products, services, information or
recommendations provided by any such websites. In addition, these websites may
have privacy policies that are different than ours, and that may provide you
less security for your confidential information than we do. If you access any
linked third-party website, you do so at your own risk. We disclaim all
liability with regard to your access to and use of such linked websites. We or
our business partners may present advertisements or promotional materials on or
through the site. Your dealings with, or participation in promotions of, any
third-party products or services on or through the site are solely between you
and such third party and your participation is subject to the terms and
conditions associated with that advertisement or promotion. You agree that
Allstate Identity Protection is not responsible or liable for any loss or damage
of any sort incurred as the result of any such dealings.

M. Liability Limitations. TO PROVIDE CERTAIN SERVICES ASSOCIATED WITH OUR
PRODUCTS, WE SUBCONTRACT WITH, OPERATE UNDER LICENSES FROM, AND RECEIVE
INFORMATION FEEDS FROM, CERTAIN SUBCONTRACTORS AND SERVICE PROVIDERS. WE ARE NOT
RESPONSIBLE FOR (I) THE ACCURACY, COMPLETENESS, AND/OR VALIDITY OF ANY PRODUCTS,
SOLUTIONS OR INFORMATION PROVIDED TO US BY ANY OF OUR SUBCONTRACTORS, SERVICE
PROVIDERS AND/OR ANY OTHER THIRD PARTIES (INCLUDING, WITHOUT LIMITATION,
CONSUMER REPORTING AGENCIES OR ANY PARTIES TO WHOM WE PROVIDE LINKS), (II)
INCORRECT OR INCOMPLETE INFORMATION THAT YOU PROVIDE TO US, SUCH AS INCORRECT OR
OUTDATED CONTACT OR ACCOUNT INFORMATION, OR (III) INCORRECT INFORMATION THAT WE
RECEIVE FROM THIRD-PARTY SOURCES, OR OUR FAILURE TO OBTAIN INFORMATION FROM
THIRD-PARTY SOURCES, AS A RESULT OF INCORRECT OR INCOMPLETE INFORMATION THAT YOU
PROVIDE US. IN ADDITION, WE ARE NOT RESPONSIBLE FOR ANY LOSSES, ERRORS,
INJURIES, EXPENSES, CLAIMS, ATTORNEY’S FEES, INTEREST, OR OTHER DAMAGES, WHETHER
DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL (ANY OF WHICH,
“LOSSES”), CAUSED BY, ARISING FROM, OR IN CONNECTION WITH YOUR ACCESS TO AND/OR
USE OF THE PRODUCTS. NEITHER WE NOR OUR SUBCONTRACTORS, PARTNERS AND/OR SERVICE
PROVIDERS WILL BE LIABLE FOR THE LOSS, CONFIDENTIALITY, UNAUTHORIZED DISCLOSURE
OR SECURITY OF ANY DATA OR INFORMATION WHILE IN TRANSIT VIA THE INTERNET,
TELEPHONE OR OTHER COMMUNICATION LINES, POSTAL SYSTEM, ACH NETWORK OR OTHER
MEANS OF TRANSMISSION. WITHOUT LIMITING THE FOREGOING LIMITATION OF LIABILITY,
IN THE EVENT WE ARE FOUND LIABLE FOR DAMAGES TO YOU IN A COMPETENT LEGAL
PROCEEDING, OUR AGGREGATE LIABILITY FOR ALL CLAIMS CAUSED BY, ARISING OUT OF, OR
RELATED TO YOUR ACCESS TO AND/OR USE OF THE PRODUCTS IS LIMITED TO THE LESSER OF
(A) ONE THOUSAND DOLLARS ($1,000) OR (B) THE AMOUNTS PAID TO US FOR THE PRODUCTS
THAT ARE THE BASIS OF THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE DATE OF
THE CLAIM.

If you subscribe for any Product, you do it at your initiative, and are solely
responsible for compliance with applicable laws relating to your use of such
Product. Neither we nor our subcontractors, partners or service providers
warrant the adequacy, accuracy, or completeness of any information provided
through any Product or contained in any third-party website linked to or from
any Allstate Identity Protection website.

You understand and agree that Allstate Identity Protection expressly disclaims
and bears no liability for fraudulent transactions, whether identified by us or
not, and expressly disclaims any warranty that the Products will enable you to
comply with law, mitigate damages (including, but not limited to, those related
to a data breach), or avoid any other consequences of a data breach or failure
by you to institute proper security measures. Further, you understand and agree
that Allstate Identity Protection and our Products do not, and are not intended
to, provide legal, tax, investment or other financial advice.

WE DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES
OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR
ERROR-FREE OPERATION, AND ALL PRODUCTS PROVIDED TO YOU ARE PROVIDED ON AN
“AS-IS”, “WHERE-IS” AND “AS-AVAILABLE” BASIS.

N. U.S. Law and Cross-Border Use. You understand and agree that the Products are
meant for U.S. residents to use in, and provided to you under the laws of, the
United States. Should you choose to use the Products outside of the United
States, you bear any and all responsibility for determination of, and compliance
with, all non-U.S. laws applicable to such use. The Products, including any
software, documentation and any related technical data included with, or
contained in, such Products, and any products utilizing any such Products,
software, documentation or technical data (collectively, “Regulated Products”)
may be subject to U.S. export control laws and regulations, including the Export
Administration Regulations and the International Traffic in Arms Regulations
(ITAR). You agree that you will not, and you will not cause or assist any third
party to, directly or indirectly, export, re-export or release any Regulated
Products to any jurisdiction to which, or any party to whom, the export,
re-export or release of any Regulated Products is prohibited by applicable U.S.
laws or regulations. You represent and warrant that you are not located in a
country that is subject to a U.S. Government embargo, or that has been
designated by the U.S. Government as a “terrorist supporting” country and that
you are not listed on any U.S. Government list of prohibited or restricted
parties such as the Office of Foreign Assets Control list.

O. Indemnification. You agree to use the Products only for the purposes stated
in, and in compliance with, this Agreement. You agree that you will indemnify
and hold Allstate Identity Protection and its affiliates, directors, officers,
employees and agents, harmless for, from and against all losses, damages,
claims, amounts paid in settlement of claims, costs and expenses, (including
direct, incidental, consequential, exemplary, and indirect damages and/or
reasonable attorneys’ and consultants’ fees and expenses), interest, awards,
judgments, fines, penalties and other liabilities made by or owing to any
third-party resulting directly or indirectly from or arising out of your access
to or use of the Products or from your violation of this Agreement, or your
violation of any law, regulation, or third-party rights in connection with your
access to or use of any of the Products.

You shall not, without Allstate Identity Protection’s prior written consent (not
to be unreasonably withheld, conditioned or delayed), settle, compromise, or
consent to the entry of any judgment in any pending or threatened claim, action,
or proceeding in respect of which indemnification is sought hereunder unless
such settlement, compromise, or consent includes an unconditional release of
Allstate Identity Protection from all liability arising out of such claim,
action, or proceeding.

P. Force Majeure. We will not be liable hereunder for failure or delay in our
provision of the Products and related performance of our services due to causes
arising from or attributable to acts, events, omissions or accidents beyond our
reasonable control, including, but not limited to, acts of God, strike, lockout,
labor disputes, governmental orders or restrictions, shortage of materials or
labor, utility or communication failure, errors, acts or omissions of third
party communications services providers, war, act of terrorism, fire, explosion,
sabotage, storm, flood, earthquake, or epidemics.

Q. Assignment. We may assign any or all of our rights and/or delegate all or any
of our obligations under this Agreement to any third-party without your consent.
You may not assign your rights or delegate your obligations under this Agreement
to anyone without our prior written consent, which we may give or withhold in
our sole discretion.

R. Governing Law. This Agreement is governed by and will at all times be
construed, interpreted, and enforced in accordance with applicable federal law
and, to the extent state law applies, the laws of Illinois, without regard to
conflict of law’s provisions, except that the Federal Arbitration Act applies to
the arbitration agreement and class action waiver provisions contained in this
Agreement.

S. Arbitration Provision and Class Action Waiver. Any claim or controversy
arising out of or relating to this Agreement, your use of the Products, or any
acts or omissions for which you contend we are liable, including, but not
limited to, whether a particular claim or controversy is subject to this section
(“Dispute”), will be finally, and exclusively, settled by arbitration held
before one arbitrator under the then prevailing Commercial Arbitration Rules and
Rules for Expedited Procedures of the American Arbitration Association (“AAA”)
in force at that time. The arbitration will be conducted in Chicago, Illinois.
The arbitrator will be selected pursuant to the AAA rules. The arbitrator will
have the power to award no more than the prevailing party’s actual, compensatory
damages in connection with any Dispute, and may not award damages in excess of
actual, compensatory damages, such as by multiplying actual damages or by
awarding consequential, punitive, or exemplary damages (collectively, “Enhanced
Damages”), and both you and we irrevocably waive any claim to Enhanced Damages,
except where such a waiver would explicitly violate the law of the state in
which you live at the time a Dispute arises. This section, regarding
Arbitration, will not be construed as an agreement to the joinder or
consolidation of arbitration under this Agreement with arbitration of disputes
or claims of any party other than you or us, regardless of the nature of the
issues or disputes involved. Any judgment upon the award rendered by the
arbitrator may be entered in any court which has jurisdiction over the
non-prevailing party. By agreeing to the foregoing arbitration terms, you waive
your right to go to court to assert or defend your rights. You also waive your
right to participate in or bring class actions or class arbitrations. If any of
the foregoing provisions is determined by a court or arbitrator to be
inapplicable or unenforceable with respect to a Dispute, you and we agree that,
subject to the foregoing arbitration provisions, jurisdiction over and venue of
any suit will be exclusively in the state and federal courts sitting in Cook
County, Illinois. If either you or we employ attorneys to enforce any right in
connection with any Dispute or lawsuit, the prevailing party will be entitled to
recover reasonable attorneys’ fees and expenses, as well as arbitration and/or
court costs.

T. Billing and Payment Terms. The total fee for all Products for which you
subscribe, whether you subscribe to one or more Products (the “Product Fee”),
will be automatically charged to your credit card or through another automated
payment method acceptable to us on each Payment Date (an “Appropriate Payment
Method”). “Payment Date” means the date on which you subscribe for a Product and
each monthly or annual anniversary of such date. For example, if you subscribe
for a Product on March 5, the Payment Date will be the fifth day of each month
for a monthly subscription, or March 5th of the following year for an annual
subscription. By providing us with your payment information, you are
representing and warranting to us your authority to do so and our right to
charge the Product Fee in accordance with such payment information.

U. Term, Termination, and Renewal. Depending on your offer, your subscription
may have an introductory or special offer. After the introductory or special
offer expires, your subscription for the Products will automatically renew
annually (for annual subscriptions) or monthly (for monthly subscriptions) at
the applicable price set forth at www.allstateidentityprotection.com/pricing (or
any successor site as determined by Allstate Identity Protection) (the “Renewal
Price”) unless and until it is otherwise terminated pursuant to this Agreement.
Our prices, including any Renewal Price, are subject to change, however we will
notify you in advance. You may terminate your subscription for any or all the
Products at any time by calling us at 1-855-821-2331 or by emailing us at
cancel@allstateidentityprotection.com. Termination for monthly subscriptions
will be effective at the end of the current month for which you have paid, and
termination for annual subscriptions will be effective immediately upon receipt
of your communication to us. Allstate Identity Protection may terminate this
Agreement without cause upon written notice to you, such termination to be
effective as of the date of transmission of such written notice.

V. Refund of Product Fees. You will not be entitled to a refund of any prepaid
Product Fees (or any portion thereof) if you terminate any monthly subscription
for Products, however, as noted in Article I(U) above, your subscription will
not terminate until the end of the current month for which you have paid.
Termination by you of any annual subscription will entitle you to a refund of a
prorated portion of Product Fees that you have prepaid for such subscription.
Termination by Allstate Identity Protection of your annual or monthly
subscription will entitle you to a refund of a prorated portion of Product Fees
that you have prepaid for such subscription.

W. Use Restrictions. You shall not and shall not permit others to:

i. interfere with the operation of Products or another’s use of the Products;

ii. introduce any viruses, worms, malware, trojans, or other malicious or
disruptive code;

iii. impersonate any person or entity, provide false information required for
obtaining access to the Products;

iv. use the Products for commercial or other non-personal purposes;

v. reverse engineer, decompile, or otherwise attempt to derive source code of
the software that powers the Products;

vi. create or use any script or automated tool that attempts to create multiple
ways to access or use the Products;

vii. attempt to gain or provide unauthorized access to the Products or any
computer system used to provide the Products, circumvent any access restriction
or security measures with respect to the Products, or disclose your access
information or otherwise give access to the Products to any third party; or

viii. tamper, alter, modify, change, disassemble, reverse engineer, copy, or
duplicate in any manner the Products or its associated code.

If you do any of the above or otherwise violate this Agreement, your access to
and use of the Products will terminate effective immediately, and you will be
unable to access or use your subscription account. In addition, you may be
subject to legal action and may be denied future participation in any products
provided, distributed or sold by us.  Failure by Allstate Identity Protection to
enforce such rights remedies is not and shall not be deemed a waiver of such
rights and remedies. 

Y. Waiver. Allstate Identity Protection will not, by the mere lapse of time,
without giving notice or taking other action, be deemed to have waived any of
our rights under this Agreement. No waiver by us will be binding unless in
writing and signed by an authorized representative of Allstate Identity
Protection. No waiver by us of a breach of this Agreement will constitute a
waiver of any prior or subsequent breach of this Agreement.

Z. Effect of Invalidity. If any provision of this Agreement is determined to be
invalid or unenforceable under applicable law, such provision (to the extent of
such invalidity or unenforceability) shall be deemed severed from this
Agreement, and the remaining provisions of this Agreement will remain valid and
enforceable.

AA. Entire Agreement. This Agreement constitutes the entire understanding and
agreement between you and us with respect to the subject matter of this
Agreement, and all prior and contemporaneous agreements, understandings,
representations and communications between you and us concerning such subject
matter are hereby superseded and made null and void in their entirety. You
acknowledge and agree that you have not relied on any statement, representation,
warranty, or agreement of ours or any other person purporting to act on our
behalf, including any representations, warranties, or agreements arising from
our website, any promotional materials, any statute, or otherwise in law, except
for the representations, warranties, or agreements expressly contained in this
Agreement.

ARTICLE II TERMS AND CONDITIONS REGARDING PARTICULAR PRODUCTS 

The following sets forth certain terms and conditions that apply to the specific
Product features described below.  Feature availability depends upon your level
of coverage.  Please refer to your identity protection membership account for
the features available to you.

 * IP Address Monitoring.  To participate in this Product feature, you must
   provide Allstate Identity Protection with your IP address and grant us
   permission to store and monitor IP address information.

 * Stolen Funds Reimbursement.  Reimbursement for stolen funds due to the direct
   result of any confirmed identity fraud occurring while you are subscribed for
   Products is outlined in the Summary Description of Benefits for the Personal
   Internet & Identity Coverage Policy. This benefit is underwritten and
   administered by American Bankers Insurance Company of Florida, an Assurant
   company. Please refer to the underlying policy and summary of benefits for
   terms, conditions, and exclusions of coverage, which are available in your
   online account or
   www.allstateidentityprotection.com/business/identity-fraud-reimbursement.
   Coverage may not be available in all jurisdictions. Before reimbursing any
   funds, Allstate Identity Protection will attempt to remediate your stolen
   funds using its standard process.

 * Tax Fraud Refund Advance.  To obtain this benefit, you must submit proper
   documentation of both tax fraud and the refund amount owed to you by the IRS.
   You agree to repay any tax refund advances that are paid to you if the tax
   fraud is resolved and the IRS issues a refund check.  You must repay the
   advance to Allstate Identity Protection within ten (10) business days of
   receipt of your refund from IRS. You will be required to complete necessary
   IRS Forms and hereby provide consent to utilize the IRS refund tracker.

 * Identity Fraud Expense Coverage. Reimbursement for expenses incurred due to
   the direct result of any confirmed identity fraud occurring while you are
   subscribed for Products is outlined in the Summary Description of Benefits
   for the Personal Internet & Identity Coverage Policy. This benefit is
   underwritten and administered by American Bankers Insurance Company of
   Florida, an Assurant company. Please refer to the underlying policy and
   summary of benefits for terms, conditions, and exclusions of coverage, which
   are available in your online account or
   www.allstateidentityprotection.com/business/identity-fraud-reimbursement.
   Coverage may not be available in all jurisdictions.

 * Cyber and Ransomware Expense Reimbursement. This expense reimbursement does
   not cover any ransom or extortion monies paid by You. Reimbursement for
   expenses incurred to resolve a cyber or ransomware attack on a personal
   device while you are subscribed for Products is outlined in the Summary
   Description of Benefits for the Personal Internet & Identity Coverage Policy.
   This benefit is underwritten and administered by American Bankers Insurance
   Company of Florida, an Assurant company. Please refer to the underlying
   policy and summary of benefits for terms, conditions, and exclusions of
   coverage, which are available in your online account or
   www.allstateidentityprotection.com/business/identity-fraud-reimbursement.
   Coverage may not be available in all jurisdictions.

 * Financial Transaction Monitoring. To participate in financial transaction
   monitoring, you will be required to provide certain personal information,
   including, but not limited to, your birthdate and U.S. Social Security
   Number, and agree to provide us with proper details of your credit, commerce,
   banking and other applicable accounts and grant us permission to access your
   accounts as your agent. By providing us with your account information and
   such access you are granting us a non-exclusive, fully-paid, royalty-free,
   license to use such account information to monitor transactions within the
   corresponding accounts and for the preparation of aggregated and anonymous
   data from your account for our own internal purposes. Should you change your
   account information with any of your third- party providers, you must update
   that account information in our system in order for us to continue providing
   financial transaction protection with respect to that provider. You
   understand that our network and Products are limited in scope to the account
   information provided by you, and we may experience delays or fail to process
   and identify fraudulent transactions for any number of reasons related to or
   outside of these constraints. You acknowledge and agree to monitor your
   accounts and transactions and you recognize that you should not rely on
   alerts from Allstate Identity Protection alone.

 * Credit Monitoring. To participate, you will be required to provide certain
   personal information, including, but not limited to, your birthdate and U.S.
   Social Security Number, and authenticate your identity. You understand and
   agree that by enrolling in and continuing to use credit monitoring, you are
   giving “written instructions” to us to obtain your credit report pursuant to
   the Fair Credit Reporting Act. You understand and agree that pursuant to the
   Fair Credit Reporting Act, you are entitled to obtain copies of annual credit
   reports, for yourself and for minor children for whom you are the parent or
   legal guardian, without charge. You also understand and agree that your
   decision to pay any payments for credit monitoring or any other Product under
   this Agreement has been made by you as a convenience and is not legally
   required. Please note that any person who knowingly and willfully obtains a
   credit report or score/disclosure under false pretenses may face criminal
   prosecution. We do not and will not transmit your score to any unauthorized
   third-party; however, we may use such information for our own internal
   purposes as detailed in our Privacy Statement.

 * Internet Surveillance. Allstate Identity Protection may not directly notify
   you of any security breaches made public. Allstate Identity Protection
   commonly releases blogs regarding public breaches, which users may access
   through the Allstate Identity Protection site.

 * Social Account Monitoring. To use social account monitoring, you must provide
   us with proper credentials to your social media accounts, identify the
   third-party provider of such accounts, and grant us access to your accounts
   as your agent. By providing us with your account information you are granting
   us a non-exclusive, fully-paid, royalty-free, license to use such account
   information to monitor your accounts and for the preparation of aggregated
   and anonymous data from your account for our own internal purposes. Should
   you change your account information with any of your social media accounts,
   you understand that you will be required to update that account information
   in our system for us to continue providing social accounting monitoring
   protection with respect to such account. You understand that our network and
   Products are limited in scope to the social media account information
   provided by you, and we may experience delays or failure to process and
   identify issues or threats within those accounts. You have a duty to monitor
   your social media accounts and you recognize that you should not rely on
   alerts from Allstate Identity Protection alone. You understand and agree that
   Allstate Identity Protection expressly disclaims and bears no liability for
   any delay or failure to flag an issue or threat within your social media
   accounts.

 * Sex Offender Monitoring. To use sex offender monitoring, you must provide
   your address including zip code. Sex offender monitoring results are based on
   various publicly available records of registered sex offenders in a
   particular zip code. We will provide monthly updates when a new registered
   sex offender moves into your designated zip code. If you move out of your
   current zip code, you must update your address and zip code to continue
   receiving updates. You understand that we cannot guarantee the accuracy,
   completeness, or timeliness of the information regarding specific offenders
   or whether an offender who may be located in the vicinity of any location is
   omitted. You acknowledge and agree that you should not rely on information
   provided by InfoArmor alone in this regard, and InfoArmor accepts no
   responsibility or liability for damages of any kind resulting from reliance
   on this information or lack thereof.

 * Allstate Digital FootprintSM. The Allstate Digital Footprint is activated
   when you sign up for Allstate Digital Footprint and grant access to Allstate
   to read, write, modify, or control email message bodies (including
   attachments), metadata, headers, and settings (“Email Data”). By activating
   the Allstate Digital Footprint, you agree to allow Allstate to collect, use
   and share your Email Data to (i) identify certain online accounts, (ii)
   notify you of known security breaches that relate to those accounts, and
   (iii) at your request, send data privacy requests, unsubscribe requests or
   deletion requests from your email account. In conducting the Allstate Digital
   Footprint scan, our technology analyzes your emails including the headers and
   senders of the emails, and to the extent necessary, the content of the email
   to determine if a digital relationship exists. Allstate Identity Protection
   retains email header and sender information where a digital relationship was
   identified but does not retain or store the content of your emails.
   Additionally, Allstate will not:
   
   * transfer email data to others unless it is necessary to provide and improve
     features, comply with applicable law, or otherwise provide the services,
     use email data for serving advertisements, or
   
   * allow a person to read your email data unless we have your affirmative
     agreement regarding specific messages, doing so is necessary for security
     purposes such as investigating abuse, to comply with applicable law, or for
     an Allstate product's internal operations.
   
   Allstate’s use and transfer to any other app of information received from
   Google email accounts will adhere to Google API Services User Data Policy,
   including the limited use requirements, which are accessible here. Your email
   address will be matched against a list of email addresses involved in known
   security breaches that relate to those accounts. If applicable, you will be
   alerted about those breaches. If you wish for Allstate Identity Protection to
   no longer access your Email Data, you may revoke access directly through your
   email account provider at any time or by disconnecting your email account
   from the service. You agree that the Allstate Digital Footprint is for
   personal use only and by granting Allstate Identity Protection access to your
   email account, you are certifying that you are the individual owner of the
   email account and that you have the authority to grant such access. The
   Allstate Digital Footprint is created based upon accounts identified in your
   email through our email scanning process. Our email scan only looks at your
   inbox, not deleted or sent emails. You may have additional accounts that are
   not revealed through in your Allstate Digital Footprint because you have not
   had any email communication with those companies, or you may have deleted
   emails from those accounts. This Service is not an insurance product and
   Allstate Identity Protection expressly disclaims any representations or
   claims that this Product establishes, rebuilds, raises, repairs,
   rehabilitates, restores, or improves your credit. The Allstate Digital
   Footprint Privacy Insights feature provides insights regarding a company’s
   collection and use of personal information based on the information disclosed
   in the company’s privacy policy (which may also be referred to as a “privacy
   statement” or “privacy notice”). Companies may have multiple policies,
   however, at this time we are only able to review the privacy policy on the
   company’s main website. We use machine learning technology to provide these
   insights, which is not always 100% accurate. Our summaries are for
   information purposes only and highlight only certain types of a company's
   usage and collection of data. The Privacy Insights are not a substitute for
   reading a company’s privacy statement. To fully understand how a company
   collects and uses your data, you should always visit their website to read
   its privacy policy in full. The Allstate Digital Footprint provides you with
   the ability to send requests to companies from your email account to (i)
   unsubscribe you from marketing emails, (ii) delete your data and account, and
   (iii) honor certain privacy preference requests. Companies may not be legally
   required to comply with requests to delete your data and therefore may not
   honor such requests. Companies are also not legally required to comply with
   privacy preference requests or may have specific processes in place to honor
   privacy preference requests. Companies may vary widely in how, when or if
   they respond to your data preference request. Allstate does not communicate
   independently with companies regarding your unsubscribe, deletion and privacy
   preference requests. You should monitor your inbox for communications from
   the company with respect to such requests.

 * Mobile Device Features. If you have a plan that contains mobile device
   protection features powered by Lookout, Inc., including security scan, theft
   alert, device locator, browsing protection, wifi scan, or other such
   features, additional terms and conditions apply that must be agreed to to be
   able to use these features. Please refer to the full terms and conditions
   provided by Lookout, Inc. related to these features available at
   lookout.com/legal-home.

 * Robocall Blocker Features.  If you have a plan that provides a robocall
   blocker feature powered by Nomorobo, including tools to help you block or
   screen unknown or unwanted texts and calls, additional terms and conditions
   apply that must be agreed to before using these features. Please refer to the
   full terms and conditions and privacy policy provided by Nomorobo related to
   these features, available at https://nomorobo.com/pages/privacy

 * Family Digital Protection Features.  If you have a plan that provides family
   digital protection features powered by Bark, including tools to help you set
   limits around your children’s device screen time, block websites for safer
   child online browsing, location alerts so you know where your children are,
   and social media and app monitoring, and other digital family safety
   features, additional terms and conditions apply that must be agreed to before
   using these features. Please refer to the full terms and conditions provided
   by Bark related to these features, available at www.bark.us/terms and privacy
   policy available at www.bark.us/privacy

 * Cybersecurity Features.  If you have a plan that provides cybersecurity
   features powered by Bitdefender, including device security, VPN, password
   manager and other cybersecurity features, additional terms and conditions
   apply that must be agreed to before using these features. Please refer to the
   full terms and conditions provided by Bitdefender related to each of these
   features, available at
   https://www.bitdefender.com/site/view/subscription-agreement-and-terms-of-services-for-home-user-solutions.html
   and privacy policy at
   https://www.bitdefender.com/site/view/legal-privacy-policy-for-home-users-solutions.html

 * Remediation. If we assist you with the restoration of your identity following
   an event of identity fraud, you may be required to access a secure file
   transfer portal to provide us with additional documentation related to your
   identity theft incident. When you provide us with such documents, you are
   granting us permission to take such actions and use such documents as
   necessary to provide our remediation services to you. Any such information
   that InfoArmor collects from you will be treated in accordance with our
   Privacy Statement.

 * InfoArmor Apps. Downloading and use of the Apps does not create an ownership
   interest of any kind in the Apps, or the intellectual property related
   thereto (see Intellectual Property in this Agreement), but instead creates a
   non-exclusive, fully-paid, royalty-fee, revocable, license to use the Apps
   for their intended purpose only. The Apps may be available through
   third-party providers (e.g., App Store). However, this Agreement is the sole
   and exclusive agreement between InfoArmor and you for your use of the Apps
   (except for any Apps provided to you for the Mobile Device, Robocall Blocker,
   Family Digital Safety, and Cybersecurity features, which are subject to
   Additional Terms), and any agreement with such third-party provider will not
   govern the terms of service of the Apps or otherwise supplement, override or
   affect any provision of this Agreement. Unless expressly stated, this
   Agreement does not modify any other terms set forth in any application
   marketplace, including, but not limited to, the Apple App Store Terms and
   Conditions and Google Play Terms of Service or as otherwise required by any
   application marketplace provider (“Application Marketplace Provider”).To the
   extent necessary for this Agreement to comply with Apple’s applicable
   Instructions for Minimum Terms of Developer’s End-User License Agreement
   (“Apple’s Minimum Terms”), Apple’s Minimum Terms are hereby incorporated into
   this Agreement.

Effective January 1st, 2023