cigna.identityforce.com
Open in
urlscan Pro
104.18.6.8
Public Scan
Submitted URL: https://u8718684.ct.sendgrid.net/ls/click?upn=c5xukOe5Km-2FX79RKM6mUHkScXT7d3MNfbWP0FHOMHMSulHtt7TNqqdRBsqy10BrNUPGt1JnDtK6UMujmN...
Effective URL: https://cigna.identityforce.com/ProvisionalResponseLandingPage2/tabid/10043/retailer/Cigna/Default.aspx?id=F39BE87CD263&retailer...
Submission: On March 07 via manual from US — Scanned from US
Effective URL: https://cigna.identityforce.com/ProvisionalResponseLandingPage2/tabid/10043/retailer/Cigna/Default.aspx?id=F39BE87CD263&retailer...
Submission: On March 07 via manual from US — Scanned from US
Form analysis 1 forms found in the DOM
Name: Form — POST /ProvisionalResponseLandingPage2/tabid/10043/retailer/Cigna/Default.aspx?id=F39BE87CD263&retailer=cigna
<form name="Form" method="post" action="/ProvisionalResponseLandingPage2/tabid/10043/retailer/Cigna/Default.aspx?id=F39BE87CD263&retailer=cigna" onsubmit="javascript:return WebForm_OnSubmit();" id="Form" enctype="multipart/form-data"
style="height: 100%;" autocomplete="off">
<div>
<input type="hidden" name="__EVENTTARGET" id="__EVENTTARGET" value="">
<input type="hidden" name="__EVENTARGUMENT" id="__EVENTARGUMENT" value="">
<input type="hidden" name="__VIEWSTATE_CACHEKEY" id="__VIEWSTATE_CACHEKEY" value="VS_l3by11maph4cm355mstyudbb_638137778152637093">
<input type="hidden" name="__VIEWSTATE" id="
__VIEWSTATE" value="">
</div>
<script type="text/javascript">
//<![CDATA[
var theForm = document.forms['Form'];
if (!theForm) {
theForm = document.Form;
}
function __doPostBack(eventTarget, eventArgument) {
if (!theForm.onsubmit || (theForm.onsubmit() != false)) {
theForm.__EVENTTARGET.value = eventTarget;
theForm.__EVENTARGUMENT.value = eventArgument;
theForm.submit();
}
}
//]]>
</script>
<script src="/WebResource.axd?d=qdYqYx-wZxnBndDPVhBWBnmpIXyowZYi1suLjDUcPYeygusHIucjMNOcdXvg40-mKs1f2dDrRZ_OFGsa0&t=638137055557515315" type="text/javascript"></script>
<script src="/js/dnncore.js" type="text/javascript"></script>
<script src="/ScriptResource.axd?d=LfUEVDr2pBScQEzhNyn0pRm5a-apqvq5DaLGNgcKxFXhN2Nf5Mh6NnwjO1VppSQ5a_caj_YyQ5Ih9PPQyKkcsaf2Sw0L1WJMoH8B2wTC95NnOq1qZXeWciZ43Fa9Pxf5UKsZsK3ieDzyKy8x0&t=ffffffffdb07633b" type="text/javascript"></script>
<script src="/ScriptResource.axd?d=HpCsySQX-U15azAntEE64Q0RKnSQEMuyH5giVxaRJi0M7oxm1dOXFXqGP8dap7H1VCumYmMdSM6mKyOfpDgNhN7C_k1DkNR7GJiFvCZ8RM1vtVjvX8ZYjb-_VGnmns0G-venF9egsTorMgRmtSC1r1e5m2M1&t=ffffffff934f7aa9" type="text/javascript"></script>
<script src="/ScriptResource.axd?d=JmHoXMYko7jNeYnEVDxym8Xo0cjF7x-WUhbKFSP0T1mt6jSHAxotidL15c9K3StAP2Q8VY8yKiUOEkBQ9mUZB5uv3OFUp5DTTNtpn8yaUQK4UInb4VCGAF1PohBelrmESpANEp1JMLD6qMGJ2RlsMaGxOpn27vVBdMyBhg2&t=ffffffff934f7aa9"
type="text/javascript"></script>
<script type="text/javascript">
//<![CDATA[
function WebForm_OnSubmit() {
if (typeof(ValidatorOnSubmit) == "function" && ValidatorOnSubmit() == false) return false;
return true;
}
//]]>
</script>
<script type="text/javascript">
//<![CDATA[
Sys.WebForms.PageRequestManager._initialize('ScriptManager', document.getElementById('Form'));
Sys.WebForms.PageRequestManager.getInstance()._updateControls(['tdnn$ctr11028$CommonErrorMessage_UP'], [], [], 90);
//]]>
</script>
<input name="csrfToken" type="hidden" id="csrfToken" value="DXwbW28N3DyA1eu5mwNPlw==">
<script language="javascript" type="text/javascript" src="//ajax.googleapis.com/ajax/libs/jquery/1.9.0/jquery.min.js"></script>
<script type="text/javascript" src="/js/jsviews.js"></script>
<script language="javascript" type="text/javascript" src="/js/production.min.js"></script>
<script id="partner-logo" language="text/x-jsrender" data-jsv-tmpl="_0">
< img src = "{{:path}}"
alt = "Logo Image"
class = "logoImg" / > < div class = "js-partnerAssociation" > < div class = "associationText" > {
{
: assoc
}
} < /div> < div class = "secondaryText" > {
{
: secondary
}
} < /div> < /div>
</script>
<div class="triple-layer-defense-popup security-popup none">
<h3>Your Data Is Protected by Triple Layer Defense<sup>SM</sup></h3>
<p>All your information is stored using the highest level of encryption from our Triple Layer Defense<sup>SM</sup> system. Our system has been independently verified and is continuously audited to ensure our high standards of security.</p>
<p>This means your information is encrypted in transit, in use and at rest.</p>
<p>Additionally, your stored data is...</p>
<ul>
<li>Encrypted at the system level in the cloud</li>
<li>Encrypted within your unique account </li>
</ul>
<p>Be sure to take advantage of all your account features and keep your information up-to-date in your Online Identity Vault<sup>TM</sup>.</p>
<a class="btn btn-large btn-green" onclick="overlayClose('triple-layer-defense-popup');">Close</a>
<div class="cb"></div>
</div>
<!-- CDI:Begin Skin -->
<style type="text/css">
body {
background-image: none !important;
background-color: #fff !important;
}
</style>
<!-- CDI:Enter PageHeader -->
<div class="header_container">
<table cellpadding="0" cellspacing="0" width="100%">
<tbody>
<tr>
<td align="left">
<a id="dnn_skinHeader_lnkMainLogo" class="main-logo-link fr" alt="">
<div class="main-logo js-partnerLogo" style="opacity: 100; position: relative; top: 0px; left: 0px;">
<img src="https://cdn.ezshield.net/images/_Shared/_Logos/IDF_Cigna.png" alt="Logo Image" class="logoImg" style="width: 400.5px;">
<div class="js-partnerAssociation">
<div class="associationText"></div>
<div class="secondaryText"></div>
</div>
</div>
</a>
<div class="retailer_text">
<span id="dnn_skinHeader_lnkMainLogoAssociation" class="association" alt=""></span>
<span id="dnn_skinHeader_lnkMainLogoRetailer" alt=""></span>
</div>
</td>
<td align="right">
<div id="dnn_skinHeader_topRightContainer">
<ul class="top_links fr cr">
<li class="reportFraud">
<a href="/Default.aspx?tabname=Report+Fraud" onclick="GoogleAnalyticsClickEvent('header_link','header_reportFraud_click','header_reportFraud');">
<span class="innerTabContainer">Report Fraud</span>
</a>
<span class="none"> | </span>
</li>
<li class="login">
<a onclick="GoogleAnalyticsClickEvent('header_link','header_login_click','header_secure_login'); window.dataLayer.push({'event': 'secureLoginClick'});" id="dnn_skinHeader_loginButton_linkButton" class="secureLogInBtn" href="/CgwLogin/tabid/182/Default.aspx">
<span>Secure Login</span>
</a>
</li>
</ul>
</div>
<div class="phone_container enroll cr fr">
<div class="phone-numbers-container">
<h1 class="inline">
<span class="international-phone"></span>
<a href="tel:1-833-580-2523">1-833-580-2523 </a>
</h1>
</div>
</div>
<div class="cb">
</div>
</td>
</tr>
</tbody>
</table>
</div>
<!-- CDI:Leave PageHeader -->
<div class="popup2Shell security-popup medium fixed">
<div class="popup2Container">
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn noTitle">
<img src="/Partner/_Default/modal_close_btn.png"></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div class="popup2ContentInner">
<h3>Your Data Is Protected by Triple Layer Defense<sup>SM</sup></h3>
<p>All your information is stored using the highest level of encryption from our Triple Layer Defense<sup>SM</sup> system. Our system has been independently verified and is continuously audited to ensure our high standards of security.
</p>
<p>This means your information is encrypted in transit, in use and at rest.</p>
<p>Additionally, your stored data is...</p>
<ul>
<li>Encrypted at the system level in the cloud</li>
<li>Encrypted within your unique account </li>
</ul>
<p>Be sure to take advantage of all your account features and keep your information up-to-date in your Online Identity Vault<sup>TM</sup>.</p>
<a class="btn btn-large btn-green" onclick="closeModalPopup(this);">Close</a>
<div class="cb"></div>
</div>
</div>
</div>
</div>
</div>
<div class="main_outer_container" style="background: none;">
<div id="dnn_ContentPane"><a name="11028"></a>
<span id="dnn_ctr11028_ContentPane" class="DNNAlignleft"><!-- Start_Module_11028 -->
<div id="dnn_ctr11028_ModuleContent">
<div id="dnn_ctr11028_CommonErrorMessage_UP">
<script type="text/javascript">
function ClearMessages() {
var userErrorMessges = document.getElementById('dnn_ctr11028_CommonErrorMessage_userMessages_errorMessageList');
var userWarnMessges = document.getElementById('dnn_ctr11028_CommonErrorMessage_userMessages_warnMessageList');
if (userErrorMessges != null) {
userErrorMessges.style.display = "none";
}
if (userWarnMessges != null) {
userWarnMessges.style.display = "none";
}
}
</script>
<div id="userMessageContainer">
<ul id="dnn_ctr11028_CommonErrorMessage_userMessages_errorMessageList" class="handling"> Please review the following error(s): <li>Please verify that you have entered your access code correctly. If you need assistance, please contact us
at <a href="tel:1-833-580-2523">1-833-580-2523 </a>.</li>
</ul>
<div id="dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep" class="handling" style="color:Red;display:none;">
</div>
<div id="dnn_ctr11028_CommonErrorMessage_valSummaryFristStep" class="handling" style="color:Red;display:none;">
</div>
<div id="dnn_ctr11028_CommonErrorMessage_valSummarySecondStep" class="handling" style="color:Red;display:none;">
</div>
</div>
</div>
<div id="dnn_ctr11028_CommonErrorMessage_UP_Prog" style="display:none;">
<img src="/images/progressbar.gif" style="border-width:0px;">
</div><!-- End_Module_11028 -->
</div>
</span><a name="10258"></a>
<span id="dnn_ctr10258_ContentPane" class="DNNAlignleft"><!-- Start_Module_10258 -->
<div id="dnn_ctr10258_ModuleContent">
<style>
.pssLoginLinkContainerCigna {
margin: 20px 0 0 !important;
float: left !important;
}
.pssPhoneCigna {
display: flex;
font-size: 14px;
}
</style>
<div class="lpMainContent">
<!--HTML Before Form-->
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_divRetailerHtmlContent" class="pss-container"></div>
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_divTopContent" class="pssContainerTop">
</div>
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_contentImageStyle" class="enrollmentStart relative" style="/* none */">
<!-- Container 5-->
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_pssContentImageFooter" class="pssContainerContent">
<style>
/**************************
Clear Previous Styles
**************************/
.main_outer_container {
width: auto;
}
.loginLink {
display: none;
}
.enrollmentStart>.cb {
display: none;
}
/*********************************
PSS Landing Page Content
*********************************/
body {
background-color: #f2f2f2 !important;
}
/*** Header Starts ***/
.header_container {
width: auto;
padding: 12px 0 8px;
border-bottom: 1px solid #dcdcdc;
background-color: #fff;
}
.header_container>table {
width: 900px;
padding: 0;
margin: 0 auto;
}
.header_container td {
vertical-align: middle;
}
.security_statement {
margin: 25px 0;
}
.phone_container {
margin-bottom: 15px;
}
/*** Main Content Starts ***/
.enrollmentStart {
width: 900px;
margin: 0 auto;
display: flex;
justify-content: space-between;
padding: 45px 0;
}
.enrollmentSteps {
width: 410px;
display: flex;
justify-content: center;
align-items: center;
flex-flow: row wrap;
}
.enrollmentSteps>div {
width: 100%;
}
.enrollmentSteps h2 {
color: #404040;
font-size: 22px;
font-weight: 400;
line-height: 0;
margin: 0;
}
.lpEnrollmentField {
width: 48.6%;
margin-bottom: 10px;
}
.lpEnrollmentField.fl:nth-child(1),
.lpEnrollmentField.fl:nth-child(4) {
margin-right: 10px;
}
.lpEnrollmentField label {
display: inline-block;
color: #555;
font-size: 14px;
font-weight: 400;
padding: 0 0 6px;
}
.lpEnrollmentField input {
padding: 0 5px 0 10px;
font-size: 16px;
font-weight: 300;
border: 1px solid #dcdcdc;
height: 40px;
}
input.getStartedButton,
input.receiptCodeButton {
float: right;
font-weight: 300;
background-color: #188ccc;
padding: 9px 25px;
margin-right: 5px;
font-size: 18px;
}
input.receiptCodeButton {
margin: 26px 0 0 15px;
}
input.getStartedButton:hover,
input.receiptCodeButton:hover {
background-color: #188ccc;
border: none;
}
.pssLoginLinkContainer {
float: right;
margin: 25px 20px 0 0;
}
.pssLoginLinkContainer a,
.loginLink {
font-size: 14px;
color: #188ccc;
margin-bottom: 5px;
}
.loginLink:hover {
color: #188ccc;
}
/*** Footer Starts ***/
.enrollFooterContainer {
color: #fff;
background-color: #0b0b0b;
min-height: calc(100vh - 507px);
display: flex;
flex-direction: column-reverse;
justify-content: flex-end;
}
.footer_container {
min-height: auto;
}
.enrollmentFootercopyright {
color: #fff;
font-size: 12px;
padding: 20px;
}
.enrollmentFootercopyright a {
color: #fff;
}
/*** Home Page Styles Carried Over ***/
.enrollment-main-message h1 {
font-weight: 600;
font-size: 35px;
line-height: 40px;
color: #404040;
margin: 0;
padding: 0;
}
.enrollment-main-message h3 {
font-weight: 400;
}
.enrollment-main-message h1 span {
font-size: 16px;
display: block;
margin-bottom: 50px;
padding: 0;
line-height: 28px;
font-weight: 400;
}
.enrollment-main-message h1 span:last-child {
margin-top: 20px;
}
.dish-protect-logo {
width: 298px;
height: 139px;
margin: -30px 0 5px 80px;
}
/**************************
Responsive Styles
**************************/
@media only screen and (max-width: 930px) {
.enrollmentStart,
.header_container>table {
width: calc(100% - 60px);
}
.dish-protect-logo {
width: 270px;
}
}
@media only screen and (max-width: 900px) {
.enrollment-main-message h1 {
font-size: 45px;
}
.enrollmentSteps {
width: 390px;
}
.enrollmentSteps h2 {
font-size: 23px;
}
}
@media only screen and (max-width: 820px) {
#dnn_ctr10258_ProvisionalResponseLandingPage2_dvPSS2Enrollement {
margin-top: 20px;
}
.enrollmentStart {
justify-content: center;
flex-wrap: wrap;
display: block;
}
.enrollmentSteps {
width: 65%;
margin: 0 auto;
display: block;
position: relative;
justify-content: flex-end;
align-items: center;
flex-flow: row wrap;
}
.enrollmentSteps h2 {
font-size: 18px;
}
.enrollment-main-message {
width: 80%;
flex-basis: 80%;
margin: 0 auto;
}
.enrollment-main-message h1 {
font-size: 35px;
margin-top: -10px;
text-align: center;
line-height: 50px;
}
.enrollment-main-message h3 {
font-size: 20px;
margin-bottom: 44px;
}
.enrollment-main-message h1 br {
display: none;
}
.dish-protect-logo {
margin: 20px auto 50px;
width: 298px;
}
.enrollment-login-container h1 {
font-size: 25px;
}
.lpEnrollmentField input {
width: calc(100% - 15px);
}
}
@media only screen and (max-width: 680px) {
.enrollmentSteps {
width: 98%;
}
.enrollment-main-message {
width: 98%;
}
.lpEnrollmentField {
width: 100%;
margin-right: 0;
}
.enrollmentSteps h2 {
margin-bottom: 15px;
}
input.receiptCodeButton {
margin: 10px 0 15px;
}
}
@media only screen and (max-width: 650px) {
.header_container {
padding: 20px 0;
}
td:nth-child(2) {
display: none;
}
}
@media only screen and (max-width: 640px) {
input.getStartedButton,
input.receiptCodeButton {
width: 100%;
float: none;
}
.pssLoginLinkContainer {
float: none;
width: 100%;
text-align: center;
margin: 20px 20px 0 0;
}
header_container
}
@media only screen and (max-width: 500px) {
.pssContainerContent {
display: block;
margin-top: 25px;
}
.header_container {
padding: 20px 5% !important;
}
.retailer_text {
display: none;
}
.enrollment_footer .footer_inner {
display: block;
}
.enrollmentFootercopyright {
background-color: transparent;
}
}
</style>
<div class="enrollment-main-message">
<h1>Identity Thieves <br> Don't Rest. <span>Luckily, neither does IdentityForce. We monitor<br>your personal information 24/7, quickly alert<br> you to threats, and help protect you. </span></h1>
<h3>Protect What Matters Most.<sup>TM</sup>
</h3>
</div>
</div>
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_enrollmentStepView" class="enrollmentSteps">
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_ContentTitleLabel">
<h2>Activate your identity protection today!</h2>
</div>
<!--PSS1 Enrollement Form -->
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_dvPSS1Enrollement">
<div class="receiptCodeCopy"> Simply enter the access code provided to<br> you by a Resolution Specialist. </div>
<div class="lpEnrollmentField fl">
<label> Access Code</label>
<input name="dnn$ctr10258$ProvisionalResponseLandingPage2$txtReceiptNumber" type="text" value="F39BE87CD263" maxlength="50" id="dnn_ctr10258_ProvisionalResponseLandingPage2_txtReceiptNumber" class="field lp_half_field">
<span id="dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1" style="color:Red;display:none;">Enter a valid access code</span>
<span id="dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber" style="color:Red;display:none;">Access code is required</span>
</div>
<input type="submit" name="dnn$ctr10258$ProvisionalResponseLandingPage2$btnGetStartedPSS1" value="Get Started"
onclick="javascript:WebForm_DoPostBackWithOptions(new WebForm_PostBackOptions("dnn$ctr10258$ProvisionalResponseLandingPage2$btnGetStartedPSS1", "", true, "PSS1Validation", "", false, false))"
id="dnn_ctr10258_ProvisionalResponseLandingPage2_btnGetStartedPSS1" class="mobileButton receiptCodeButton">
<div class="cb">
</div>
<a href="/Default.aspx?tabname=CgwLogin" class="pssLinks loginLink">Click here to Log In</a>
</div>
<!--PSS2 Enrollement Form -->
</div>
<div class="cb">
</div>
</div>
</div>
<!-- HTML After Form-->
<div id="dnn_ctr10258_ProvisionalResponseLandingPage2_pssBottomContent" class="pssContainerBottom"><!-- -->
</div>
<!-- End_Module_10258 -->
</div>
</span>
</div>
</div>
<div class="cb"></div>
<script type="text/javascript">
$(document).ready(function() {
loadPrivacyPopup();
});
function loadPrivacyPopup() {
$('#PrivacyPopupContentMobile').html($('.popupPrivacyPolicy .popup2ContentInner').html());
$('#PrivacyPopupContentMobile .pdfPrint_icons').remove();
}
function mobilePPHeight() {
var mobilePopupHeight = $(window).height() - ($('#ppSlidePanel .mobileEnrollTermsHeader').outerHeight(true) + $('#ppSlidePanel .enrollCont').outerHeight(true));
$('#PrivacyPopupContentMobile').height(mobilePopupHeight);
}
//Call .ready functions on postback
Sys.Application.add_init(appl_init_landingpage);
function appl_init_landingpage() {
var pgRegMgr = Sys.WebForms.PageRequestManager.getInstance();
pgRegMgr.add_endRequest(loadPrivacyPopup);
}
</script>
<!-- CDI:Enter PageFooter -->
<div class="enrollFooterContainer">
<div class="footer_container enrollment_footer relative">
<div class="footer_inner">
<div id="dnn_skinFooter_div_footer_logos_container" class="footer_logos_container">
<div class="footer-logo-container" style="padding-top:20px"> The program and services are provided by Sontiq, Inc. and not by Cigna Corporation or its operating subsidiaries. </div>
</div>
</div>
</div>
<script>
$(document).ready(function() {
// Removes interlinked legal page links when within dashboard or popups
$('.popup2Shell a[href*="ConsumerServiceDescriptions"], .popup2Shell a[href*="PrivacyPolicy"], .popup2Shell a[href*="CommonDefinitions"], .popup2Shell a[href*="TermsAndConditions"]').each(function() {
$(this).attr('target', '_blank');
});
});
</script>
<!-- Common Definitions Popup -->
<div class="popup2Shell popupCommonDefinition medium">
<div class="popup2Container">
<h1 class="popup2Header">Common Definitions</h1>
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn">
<img src="/Partner/_Default/modal_close_btn.png"></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div id="dnn_skinFooter_LegalContentTermsCondition_divCommonDefinition" class="popup2ContentInner">
<div class="content_container_gradient">
<div class="content_container_gradient_fade leading_1 relative">
<div class="pdfPrint_icons">
<a href="javascript: window.print();"> <img src="/Partner/_Default/printer_icon.gif" alt="Print this Page"> </a>
</div>
<div class="cr"></div>
<div id="printCD">
<h2>EZSHIELD COMMON DEFINITIONS</h2>
<p><strong>"Affiliated Persons"</strong> shall be limited to:</p>
<ul class="bulleted_list">
<li>The spouse or domestic partner of registered Customer (where "domestic partner" is defined as any person living in a legally recognized domestic partnership with Customer in their state of residence; provided that, this
definition does not affect the location in which the Service is being provided as set forth in the EZShield Terms and Conditions).</li>
<li>dependent children under the age of 21 who live with Customer and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.</li>
</ul>
<p><strong>"Content"</strong> means electronic copies of legal and personal documents, medical records, music and video files and other items stored in a Customer's Vault Safety Deposit.</p>
<p><strong>"Customer"</strong> has the meaning set forth in the Terms and Conditions.</p>
<p><strong>"Delegates"</strong> means individuals registered by Customer in connection with the Vault Safety Deposit Service who are authorized and licensed to access the Content stored in Customer's Vault Safety Deposit.</p>
<p><strong>"Identity Theft Event"</strong> means:</p>
<ul class="bulleted_list">
<li>For individual Customers, the fraudulent misappropriation and use of Customer's name, social security number, credit card number(s) or other Protected Identity Elements in any manner that adversely affects any public records
or credit reports concerning the Customer.</li>
<li>For business Customers, the fraudulent misappropriation and use by persons or entities (other than agents, employees or contractors of Customer) purporting to act as or on behalf of Customer of either: Customer's official
Business Name as used in combination with Customer's Tax ID Number (or in Canada, Customer's Business Number); or any Customer Credit Card Account Number(s) (duly issued credit cards for which Customer is an obligor) as
registered by Customer as part of the applicable Service.</li>
</ul>
<p><strong>"Issuer"</strong> means the issuer of the applicable Registered Card.</p>
<p><strong>"Losses"</strong> means, with respect to any Order any debits from Customer's checking account for cleared checks due to the Subject Check Fraud.</p>
<p><strong>"Lost Wages"</strong> means post-tax wages Customer would have otherwise received but did not receive due to time spent away from work solely in order to remedy problems associated with an Identity Theft Event affecting
him/her, if and as approved by EZShield, all as supported by employment documentation and any other documentation as reasonably requested by EZShield.</p>
<p><strong>"Order"</strong> means the boxes of checks Customer has purchased under the EZShield Check Fraud Protection Program as part of a single order.</p>
<p><strong>"Protected Identity Elements"</strong> means for an individual Customer who is subscribed for EZShield Identity Theft Protection: (1) 1 individual name; (ii) 1 street address; (iii) 1 e-mail address; (iv) 3 telephone
numbers; (v) 1 Social Security Number; and (vi) 6 bank account or credit card numbers, to the extent these items are registered with EZShield as part of the Service and legitimately associated with the registered Customer.</p>
<p><strong>"Registered Card"</strong> means a credit card, debit card and/or charge card issued in Customer's name which Customer has registered with EZShield in order for such card to be covered by the applicable Service.</p>
<p><strong>"Renewable Service(s)"</strong> means any or all of the following Services: EZShield Identity Restoration<sup>®</sup>, EZShield Identity Theft Protection<sup>®</sup> and/or EZShield Vault<sup>®</sup> Safety Deposit.</p>
<p><strong>"Restoration Expenses"</strong> shall be for customers of Identity Theft Insurance<sup>SM</sup> provided by American International Group, Inc., up to $2,000 in Lost Wages.</p>
<p><strong>"Resolution Specialist"</strong> is a named individual dedicated to Customer's Restoration case and who is certified with the following credentials:</p>
<ul class="bulleted_list">
<li>Certified Identity Theft Risk Management Specialist<sup>TM</sup> (CITRMS) from The Institute of Fraud Risk Management</li>
<li>International Association of Financial Crime Investigators (Member or above)</li>
<li>Consumer Data Industry Association (Fair Credit Reporting Act Exam)</li>
</ul>
<p><strong>"Service"</strong> means the EZShield service offering referenced in the applicable EZShield Service Description.</p>
<p><strong>"Subject Check Fraud"</strong> means, with respect to a particular Identity Theft Event, any occurrence of:</p>
<ul class="bulleted_list">
<li>a forged signature (a legitimate blank check that is forged with the Customer's signature as the payer);</li>
<li>a forged endorsement (a legitimate check that is endorsed and cashed or deposited by a person other than the designated payee based upon a fraudulent endorsement; or</li>
<li>an altered check (a legitimate check that is fraudulently altered as to the designated payee, check amount, or otherwise so as to benefit the person altering the check).</li>
</ul>
<p>Subject Check Fraud does not include counterfeit checks or any check that bears a legitimate original endorsement that is secondarily fraudulently endorsed.</p>
<p><strong>"Vault Safety Deposit"</strong> refers both to the Service identified with such name and the electronic storage location made available to Customer in connection with such Service.</p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<!--Common Terms and Conditions Popup -->
<div class="popup2Shell popupTermsCondition medium">
<div class="popup2Container">
<h1 class="popup2Header">Terms and Conditions</h1>
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn">
<img src="/Partner/_Default/modal_close_btn.png" alt=""></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div id="dnn_skinFooter_LegalContentTermsCondition_divTermsCondition" class="popup2ContentInner">
<style>
.upper-alpha-style li {
list-style-type: upper-alpha !important;
}
.mb-1em {
margin-bottom: 1em;
}
.square-list {
margin: 0 0 1em 0.2em;
padding-left: 2.35294em;
}
.square-list li {
list-style-type: disc;
}
.number-list {
margin: 1em 0 1em 1.2em;
padding-left: 2.35294em;
}
.lower-roman-style li {
list-style-type: lower-roman !important;
}
</style>
<div class="content_container_gradient">
<div class="content_container_gradient_fade leading_1 relative">
<div class="pdfPrint_icons">
<a href="#" onclick="printIt($('#printTC').html()); return false"> <img src="/Partner/_Default/printer_icon.gif" alt="Print this Page"> </a>
</div>
<div class="cr">
</div>
<div id="printTC">
<h2>TERMS OF USE</h2>
<div class="content-wrapper">
<section class="section cf full-width-bar text">
<p><em>This Terms of Use was last revised on December 1, 2021.</em></p>
<p>PLEASE READ THIS AGREEMENT CAREFULLY. IT SETS FORTH THE LEGALLY BINDING AGREEMENT AND CONDITIONS FOR YOUR USE OF THE SITE. THESE TERMS REQUIRE YOU ARBITRATE ANY DISPUTES YOU HAVE WITH US AND YOU WAIVE THE ABILITY TO BRING
CLAIMS AGAINST US IN A CLASS ACTION FORMAT.</p>
<p>To view, print or download the Terms of Use click <a href="https://www.sontiq.com/wp-content/uploads/2021/12/Sontiq-Terms-of-Use-12.1.21.pdf" target="_blank">here</a>. To view, print or download our full Privacy Notice,
click <a href="https://www.sontiq.com/wp-content/uploads/2021/12/Sontiq-Privacy-Notice-12.1.21.pdf" target="_blank">here</a>.</p>
<p style="text-align: center;"><strong>Introduction</strong></p>
<p>Welcome to the Sontiq website. This website is owned and operated by Sontiq, Inc. (“Sontiq” “we”, “our”, or “us”). This Terms of Use (“Agreement”) governs your use of
<a href="https://www.Sontiq.com" target="_blank">www.Sontiq.com</a> and your use of any interactive features, widgets, plug-ins, mobile applications (including but not limited to the IdentityForce and Sontiq (MySontiq or
Sontiq Business Suite) mobile applications (the “App”)), content, downloads and/or other online services that we own and control and that post a link to this Agreement (collectively, the “Site”). The Agreement contains the
terms and conditions upon which you (“you” or the “member”) may access the Site or purchase any products or services through the Site.</p>
<p><strong><u>Authorization to Access Credit Report </u></strong></p>
<p>Credit reports and access to credit data is only provided to North American users in either the United States or Canada.</p>
<p><strong><em><u>For Credit Report/Credit Monitoring users based in the United States</u></em></strong></p>
<p>You understand that by clicking on any “I AGREE” button on the Site, you are providing “written instructions” to Sontiq and TransUnion LLC under the Fair Credit Reporting Act (“FCRA”) authorizing Sontiq and TransUnion LLC
to obtain information from your personal credit profile, including debts related to medical services, from TransUnion. You agree that the information you provide is true and correct, that you are the person whose credit
report is being requested, and that you are at least eighteen (18) years of age. You authorize the above parties to obtain such information solely for the purpose of accessing your credit report to verify your identity in
order to avoid fraudulent transactions in your name and to provide credit reporting, monitoring, scoring and other credit related products. Under FCRA laws, any person who knowingly and willfully obtains a credit report
under false pretenses (for example getting a credit report on an individual without their consent), shall be fined under title 18, United States Code, imprisoned not more than two (2) years, or both.</p>
<p><strong><em><u>For Credit Report/Credit Monitoring users based in Canada</u></em></strong></p>
<p>You understand that by clicking on any “I AGREE” button on the Site, you are providing “written instructions” to Sontiq and TransUnion Interactive authorizing Sontiq and TransUnion Interactive to obtain information from
your personal credit profile from TransUnion. You agree that the information you provide is true and correct, that you are the person whose credit report is being requested, and that you are at least eighteen (18) years of
age. You authorize the above parties to obtain such information solely for the purpose of accessing your credit report to verify your identity in order to avoid fraudulent transactions in your name and to provide credit
reporting, monitoring, scoring and other credit related products. All rights afforded under PIPEDA, or substantially similar provincial legislation, apply to users in Canada.</p>
<p><strong><u>Privacy Notice and Additional Terms</u></strong></p>
<p>By using the Site, you acknowledge and accept the Site’s
<a class="privacy-policy-url" href="https://cigna.identityforce.com/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/PrivacyPolicy/tabid/209/Default.aspx" target="_blank">Privacy Notice</a> and consent to the
collection and use of your data in accordance with the
<a class="privacy-policy-url" href="https://cigna.identityforce.com/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/PrivacyPolicy/tabid/209/Default.aspx" target="_blank">Privacy Notice</a>. Each time you access and/or
use the Site (other than to simply read this Agreement), you agree to be bound by and comply with the Agreement and any Additional Terms (defined below) then posted. Therefore, do not use the Site if you do not agree.</p>
<p>In some instances, both this Agreement and separate guidelines, rules, or terms of use or sale setting forth additional or different terms and/or conditions will apply to your use of the Site or to a service or product
offered via the Site (in each such instance, and collectively “Additional Terms”). To the extent there is a conflict between this Agreement and any Additional Terms, the Additional Terms will control unless the Additional
Terms expressly state otherwise.</p>
<p><strong><u>Data Protection</u></strong></p>
<p>We take data protection very seriously. We take all reasonable steps to ensure that your personal information (“data”) is secure and processed in accordance with all applicable data protection laws and regulations.</p>
<p><strong><em><u>Data Protection for users based in European Union member Countries<br> </u></em></strong>In particular, to the extent that you are an EU resident we will process your data in accordance with the requirements
of the EU General Data Protection Regulation (Regulation (EU) 2016/679 (“GDPR”)).</p>
<p>To the extent that you are an EU resident and your data is transferred to a third party for any processing purposes, we secure contractual commitments from such third parties and take such reasonable steps as are necessary
to ensure that they also meet the requirements of the GDPR as appropriate and provide at least an equivalent level of protection for your data as we do. We have a legitimate interest in requesting that you provide us with
certain data as provision of the particular data that we will request from you is necessary in order to allow us to provide our service(s) to you. Equally you have a legitimate interest in providing that data to us in order
to allow us to fulfil your request for our professional service(s).</p>
<ol class="mb-1em">
<li><strong><u>Site Content, Ownership, Limited License, and Rights of Others</u></strong>
<ol class="upper-alpha-style">
<li><strong>Content</strong>. The Site contains a variety of: (i) materials and other items relating to Sontiq and its products and services, and similar items from our licensors and other third parties, including all
layout, information, articles, posts, text, data, files, images, scripts, designs, graphics, button icons, instructions, illustrations, photographs, audio clips, music, sounds, pictures, videos, advertising copy, URLs,
technology, software, interactive features, the “look and feel” of the Site, and the compilation, assembly, and arrangement of the materials of the Site and any and all copyrightable material (including source and
object code); (ii) trademarks, logos, trade names, trade dress, service marks, and trade identities of various parties, including those of Sontiq, its clients, and its vendors including but not limited to TransUnion®,
Experian®, Equifax®, AIG®, Assurant®, or Hamilton Insurance DAC® (collectively, “Trademarks”); and (iii) other forms of intellectual property (all of the foregoing, collectively, “Content”).</li>
<li><strong>Ownership</strong>. The Site and the Content are owned or controlled by Sontiq and our licensors and certain other third parties. All right, title, and interest in and to the Content available via the Site is
the property of Sontiq or our licensors or certain other third parties, and is protected by U.S. and international copyright, trademark, trade dress, patent and/or other intellectual property and unfair competition
rights and laws to the fullest extent possible. Sontiq owns the copyright in the selection, compilation, assembly, arrangement, and enhancement of the Content on the Site.</li>
<li><strong>Limited License</strong>. Subject to your strict compliance with this Agreement and the Additional Terms, Sontiq grants you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable
license to: download (temporary storage only when accessing via a standard Internet browser), display, view, use, play, and/or print one (1) copy of the Content on a personal computer, mobile phone or other wireless
device, or other Internet enabled device (each, a “Device”) for your personal, non-commercial use only. The foregoing limited license: (i) does not give you any ownership of, or any other intellectual property interest
in, any Content, and (ii) may be immediately suspended or terminated for any reason, in Sontiq’s sole discretion, and without advance notice or liability. In some instances, we may permit you to have greater access to
and use of Content, subject to certain Additional Terms. If you enroll in certain of our subscription-based products or services, during your Subscription Term (defined below), we provide you with a non-exclusive and
revocable license to access and/or download our online protection tools and other services available through our App.</li>
</ol>
</li>
<li><strong><u>Membership and Payment Terms</u></strong></li>
</ol>
<p>Sontiq can only provide certain products and services to those individuals who are either U.S. or Canadian citizens or residents while other products and services may be available to residents of specific countries outside
of North America as specifically made available on the Site. Depending upon the membership or other services you enroll in, register for, or otherwise sign up for or subscribe to use (collectively, “enroll”), we may permit
you to be enrolled: (i) by telephone, (ii) at our Site, (iii) by some other method we expressly permit, or (iv) by a third party who is authorized to enroll you on your behalf (collectively, the “Enrollment Process”). If
your membership is paid for by a third party, you will not be asked to provide payment information and you will not be charged for the membership program you enroll in. Otherwise, Sontiq will charge the membership fee and
each renewal fee to your credit card or bank account, at the then prevailing rate and your membership will continue automatically. Sontiq will charge this membership fee to the credit card or bank account that was most
recently used on the Site or otherwise provided at the time of registration. By submitting your credit card or bank account information to us, you hereby agree that you authorize us to charge your card or your bank account,
as applicable, at our convenience but in any event within thirty (30) days of initial credit card or bank account authorization and thereafter automatically within thirty (30) days after each renewal date. Should your credit
card or online check fail to authorize, you will be notified via email to the email address provided to us by you. The benefits of your membership (including, without limitation, online credit reports and monitoring alerts)
may be suspended until payment is received. If payment is not received within thirty (30) days, any previous alerts you have received may be purged from our database, and your membership may be cancelled. You agree that
Sontiq will not be liable to you or any third party for termination of your membership or access to the Site.</p>
<p><strong>Subscription Term & Termination</strong></p>
<p>Except in the event of a trial offer, your subscription will commence as of the date your payment for a subscription is received by Sontiq. Your subscription will continue in full force for the length of the term you
specifically purchased or on a month-to-month term until such time as you cancel the subscription as further explained below (the “Subscription Term”). In the event that you cancel a subscription in the middle of your
Subscription Term, you will be entitled to receive a refund for the unused portion of the remainder of that Subscription Term. Sontiq will have the right, upon written notice to you, to terminate this Agreement, and suspend
your access to your subscription, if: (a) you fail to pay Sontiq any amount due to Sontiq under this Agreement; and/or (b) you materially breach any term or condition of this Agreement. Sontiq shall have the right to
terminate this Agreement and suspend your access to your subscription with or without cause, upon thirty (30) days written notice to you in which case you will no longer be charged for access to the subscription. Upon the
expiration or termination of this Agreement for any reason, your access to, and use of, your subscription will terminate.</p>
<p><strong>Trial Periods/Promotional Offerings</strong></p>
<p>We may offer promotional trial subscriptions to access the Site for a limited time or at special discounted prices. If you sign up for a trial use, your rights to use the Site are limited by the terms of such trial and will
terminate or renew on the terms of your trial arrangement and/or any applicable Additional Terms. Please be aware that when you sign up for a trial period, you will be required to provide your credit card number and Sontiq
will confirm your credit card is valid. When we process your credit card, some credit card companies may place a temporary hold on your account for your first payment. Please contact your credit card company if you have
questions. Please note that we do not provide price protection or refunds in the event of a price drop or promotional offering.</p>
<p>ONCE YOUR TRIAL PERIOD ENDS, WE, OR A THIRD-PARTY PAYMENT PROCESSOR ON OUR BEHALF, WILL BEGIN BILLING YOUR DESIGNATED PAYMENT METHOD ON A RECURRING BASIS FOR YOUR SUBSCRIPTION (PLUS ANY APPLICABLE TAXES AND OTHER CHARGES)
FOR AS LONG AS YOUR SUBSCRIPTION CONTINUES, UNLESS YOU CANCEL YOUR SUBSCRIPTION PRIOR TO THE END OF YOUR TRIAL PERIOD. INSTRUCTIONS FOR CANCELING YOUR MEMBERSHIP SUBSCRIPTION ARE DESCRIBED BELOW. PLEASE NOTE THAT, DEPENDING
ON YOUR METHOD OF PAYMENT USED, YOU MAY OR MAY NOT RECEIVE A NOTICE FROM US THAT YOUR TRIAL HAS ENDED OR THAT THE PAID PORTION OF YOUR SUBSCRIPTION HAS BEGUN. WE RESERVE THE RIGHT TO MODIFY OR TERMINATE TRIAL PERIODS AT ANY
TIME, WITHOUT NOTICE AND IN OUR SOLE DISCRETION.</p>
<p><strong>Communications with Credit Reporting Agencies</strong></p>
<p>As a condition to purchasing any products, services or membership packages from Sontiq, you agree to authorize us to act as agent on your behalf and in your name for all purposes in communications and other dealings with
any credit bureau to the extent necessary for Sontiq to deliver the products, services or packages purchased by you. The communications and other dealings may involve, amongst other things, placing a fraud alert on your
credit file and opting out of marketing list sales where applicable and available in your local jurisdiction</p>
<p><strong>Auto-Renewal of Membership</strong></p>
<p><strong>Certain memberships as indicated at the time of purchase, such as monitoring products and identity theft insurance will automatically renew at the end of your Subscription Term continuously and indefinitely without
action by the member, and the membership fee is charged to the member at the time of renewal.</strong> An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the
membership is cancelled by the enrolled member as set forth in the paragraph below. By providing your payment method information for your subscription, you are agreeing to pay a subscription fee, that will automatically
renew, at the then current rate, unless you cancel prior to the expiration of the current Subscription Term, and any applicable taxes and service fees (collectively, “Fees”). The Fees will be charged to your original payment
method automatically at the beginning of your Subscription Term, and at the beginning of each renewal Subscription Term thereafter on the calendar day corresponding to the commencement of your current Subscription Term,
unless you cancel your subscription or your account is suspended or terminated pursuant to this Agreement. The renewal Subscription Term will be the same length as your initial Subscription Term unless otherwise disclosed to
you at the time of sale. The rate for the renewal Subscription Term will be the then current subscription-rate. The Fees charged to your payment method may vary from Subscription Term to Subscription Term due to changes in
your subscription plan or applicable taxes, and you authorize Sontiq to charge your payment method for these amounts. Sontiq reserves the right to change the pricing of subscription at any time. In the event of a price
change, Sontiq will post the new pricing on the Site and attempt to notify you in advance by sending an email to the address you have registered for your account. You agree that we may change the pricing we charge you for
your subscription and any products/services offered in your subscription package by providing you with notice through an electronic communication from us and you agree that all agreements, notices, disclosures, and other
communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You consent to our ability to change our pricing and the details of our subscription packages through
an electronic communication to you. If you do not wish to accept a price or subscription package change made by us, you may cancel your subscription as described below, otherwise you will be deemed to have consented to the
price/subscription package change and authorize Sontiq to charge the new Fees to your payment method. If there are any discrepancies in billing, you hereby waive your right to dispute such discrepancies if you do not notify
Sontiq within sixty (60) days after they first appear on an account statement.</p>
<p><strong>Cancellation of Membership</strong></p>
<p>A member will have the right to cancel membership at any time upon notice to Sontiq.</p>
<p><strong><em><u>If you are a U.S. resident:</u></em></strong> you can cancel by phone at (888) 676-6847 or, if you purchased your membership at <a href="http://www.IdentityForce.com" target="_blank">www.IdentityForce.com</a>
or any Sontiq-branded website, you can cancel your membership from the Manage Account section of your member dashboard. Upon cancellation, the member loses access to the areas of the Site designated for members only. This
could include any credit and other data and analyses that have been displayed during your membership.</p>
<p><strong><em><u>If you are a Canadian resident:</u></em></strong> you can cancel by phone at (866) 272.1223 or, if you purchased your membership at IdentityForce.com or any Sontiq-branded website, , you can cancel your
membership from the Manage Account section of your member dashboard.</p>
<p><strong><em><u>If you are a resident of a country outside of North America:</u></em></strong> you can cancel by phone by calling us at: +1 <a href="tel:8662055983">(866) 205-5983</a>, or
<a href="tel:5086448726"> (508)-644-8726</a>. You can also reach out to us by email at customersupport@sontiq.com Upon cancellation, the member loses access to the areas of the Site designated for members only. This could
include any credit and other data and analyses that have been displayed during your membership.</p>
<p><strong>Purchases Generally</strong></p>
<p>To purchase any products or services, you must be at least eighteen (18) years of age or the applicable age of majority in your jurisdiction of residence. All prices displayed are quoted in U.S. dollars. Prior to the
purchase of any products or services from us, you must provide us with a valid credit card number and associated payment information including all of the following: (i) your name as it appears on the card, (ii) your credit
card number, (iii) the credit card type, (iv) the date of expiration, and (v) any activation numbers or codes needed to charge your card. By submitting that information to us or our third-party credit card processor, you
agree that you authorize us and/or our processor to charge your card at our convenience but within thirty (30) days of credit card authorization. For any product or service (including subscriptions) that you order on the
Site, you agree to pay the price applicable (including any sales taxes and surcharges) as of the time you submit the order. Sontiq will automatically bill your credit card or other form of payment submitted as part of the
order process for such price.</p>
<p>In order to enroll in, register for and receive one or more services or memberships, you must provide us with the full and accurate personal information that we require for the applicable services, which may include without
limitation, your name, address, telephone number, email address, date of birth, driver’s license number, Social Security Number/Social Insurance Number, and other personal information to verify your identity, as well as
financial information such as your credit card number. You agree to keep all personal information updated and accurate. In the event we do not receive all the required personal information during your Enrollment Process, you
agree that we may, in our sole discretion, use our database, the database of our affiliates, or other resources to attempt to complete the required personal information on your behalf. If we are unable to obtain the required
personal information or you fail to authenticate your identity as may be required, the services for which you have enrolled or registered from us may be limited. Upon completion of the Enrollment Process, and payment to us
of any fees owed, you will become eligible to receive the services for which you have enrolled or registered.</p>
<p>YOU REPRESENT THAT YOU ARE A NATURAL PERSON OVER EIGHTEEN (18) YEARS OF AGE, THAT YOUR ACCESS TO OR USE OF THE SITE DOES NOT VIOLATE APPLICABLE LAWS, AND THAT YOU AGREE WITH ALL THE TERMS OF THIS AGREEMENT. FURTHER, IF YOU
ENROLL IN OR USE OUR CREDIT MONITORING SERVICE AND/OR ANY OF OUR PROTECTION PROGRAMS, YOU ALSO REPRESENT AND WARRANT THAT YOU HAVE PROVIDED US WITH YOUR VALID SOCIAL SECURITY NUMBER (IN THE U.S.), SOCIAL INSURANCE NUMBER (IN
CANADA), OR OTHER NATIONAL IDENTIFICATION NUMBER (IF OUTSIDE OF THE U.S./CANADA), AND THAT YOU SHALL ONLY USE SUCH SERVICES IN CONNECTION WITH YOUR PERSONAL AND BUSINESS ACCOUNTS THAT ARE DIRECTLY ASSOCIATED WITH YOUR VALID
SOCIAL SECURITY NUMBER/SOCIAL INSURANCE NUMBER/NATIONAL IDENTIFICATION NUMBER.</p>
<p><strong>Methods of Payment, Credit Card Terms and Taxes</strong></p>
<p>All payments must be made using a payment card such as Visa, MasterCard, Discover or American Express. Your card issuer agreement governs your use of your designated card, and you must refer to that agreement and not these
Terms to determine your rights and liabilities as a cardholder. You represent and warrant that you will not use any credit card or other form of payment unless you have all necessary legal authorization to do so. YOU, AND
NOT Sontiq, ARE RESPONSIBLE FOR PAYING ANY UNAUTHORIZED AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY. You agree to pay all fees and charges incurred in connection with your purchases (including any applicable taxes)
at the rates in effect when the charges were incurred. Unless you notify Sontiq of any discrepancies within sixty (60) days after they first appear on your credit card statement, you agree that they will be deemed accepted
by you for all purposes. If Sontiq does not receive payment from your credit card issuer or its agent, you agree to pay all amounts due upon demand by Sontiq or its agents. Sales taxes, or other taxes, customs, import/export
charges, or similar governmental charges are not included in the price of the products. You are responsible for paying any such taxes or charges imposed on your purchases, including, but not limited to, sales, use or
value-added taxes. Sontiq shall automatically charge and/or withhold the applicable tax for orders in any states or localities that it deems is required in accordance with our order policy in effect at the time of purchase.
</p>
<p><strong>Refund Policy</strong></p>
<p>All purchase transactions made through the Site are subject to Sontiq’s refund policy in effect at the time of purchase. Currently, Sontiq’s refund policy is that in the event that you cancel a subscription in the middle of
your Subscription Term, you will be entitled to receive a refund for the unused portion of the remainder of that Subscription Term.</p>
<p><strong>Order Acceptance Policy</strong></p>
<p>Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. Sontiq reserves the right at any time after receipt
of your order to accept or decline your order for any reason. Sontiq further reserves the right any time after receipt of your order, without prior notice to you, to supply less than the quantity you ordered of any item.
Your order will be deemed accepted by Sontiq after you sign-up and accept this Agreement. We may require additional verifications or information before accepting any order. Notwithstanding the foregoing, you agree that, if
we cancel all or a portion of your order or if we provide you less than the quantity you ordered, your sole and exclusive remedy is either that: (a) we will issue a credit to your credit card account in the amount charged
for the cancelled portion or the quantity not provided (if your credit card has already been charged for the order); or (b) we will not charge your credit card for the cancelled portion of the order or the quantity not
provided. Do not assume that a cancellation or change of an order you have placed with Sontiq is effective until you receive a confirmation from Sontiq via email or the Site. As stated above, you will be responsible for, and
your credit card or third-party payment account may be charged for, the payment of all fees associated with orders already processed or shipped before your cancellation/change request or a request to terminate your account
was received.</p>
<p><strong>No Responsibility to Sell Mispriced Products or Services</strong></p>
<p>We do our best to describe every item, product or service offered on this Site as accurately as possible. However, we are human, and therefore we do not warrant that specifications or pricing on the Site is complete,
accurate, reliable, current, or error-free. In the event of any errors relating to the pricing or specifications of any item, product or service, Sontiq shall have the right to refuse or cancel any orders in its sole
discretion. If we charged your credit card or other account prior to cancellation, we will issue a credit to your account in the amount of the charge. Additional terms may apply.</p>
<p><strong>Modification to Prices or Billing Terms</strong></p>
<p>The purchase of products and services on the Site is subject to availability. PRODUCTS AND SERVICES DISPLAYED ON THE SITE MAY NOT BE AVAILABLE AT ALL TIMES AND MAY BE SUBSTITUTED OR DISCONTINUED AT ANY TIME. SONTIQ RESERVES
THE RIGHT, AT ANY TIME, TO CHANGE ITS PRICES AND BILLING METHODS FOR SERVICES SOLD, EFFECTIVE IMMEDIATELY UPON POSTING ON THE SITE OR BY E-MAIL DELIVERY TO YOU.</p>
<ol start="3" class="mb-1em">
<li><strong><u>Site and Content Use Restrictions</u></strong></li>
</ol>
<p>You may not use the Site or any Content in a manner which is prohibited by this Agreement. All rights not expressly granted to you are reserved by Sontiq and its licensors and other third parties.</p>
<ol class="upper-alpha-style mb-1em">
<li><strong>Site Use Restrictions.</strong> You agree that you will not: (i) aside from your purchase of goods or services offered for sale by Sontiq or its affiliates, use the Site for any political or commercial purpose;
(ii) use any meta tags or any other “hidden text” utilizing any Trademarks; (iii) engage in any activities through or in connection with the Site that seek to attempt to or do harm to any individuals or entities or are
unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right of any third party, or are otherwise objectionable to Sontiq; (iv) reverse engineer, decompile,
disassemble, reverse assemble, or modify any Site source or object code or any software or other products, services, or processes accessible through any portion of the Site; (v) engage in any activity that interferes with
your access to the Site or the proper operation of the Site, or otherwise causes harm to the Site, Sontiq, or other users of the Site; (vi) interfere with or circumvent any security feature of the Site or any feature that
restricts or enforces limitations on use of or access to the Site, the Content, or the User-Generated Content (defined below); (vii) harvest or otherwise collect or store any information (including personally identifiable
information about other users of the Site, including e-mail addresses, without the express consent of such users); (viii) attempt to gain unauthorized access to the Site, other computer systems or networks connected to the
Site, through password mining or any other means; (ix) forge headers, create a false identity or otherwise manipulate identifiers in order to deceive others or disguise the origin of any Content transmitted to or via the
Site; (x) use the Site to solicit others to join or become members of any other commercial online service or other organizations or (xi) otherwise violate this Agreement or any Additional Terms.</li>
<li><strong>Content Use Restrictions</strong>. You also agree that, in using the Site: (i) you will not monitor, gather, copy, or distribute the Content (except as may be a result of standard search engine activity or use of
a standard browser) on the Site by using any robot, rover, “bot”, spider, scraper, crawler, spyware, engine, device, software, extraction tool, or any other automatic device, utility, or manual process of any kind; (ii)
you will not frame or utilize framing techniques to enclose any such Content (including any images, text, or page layout); (iii) you will keep intact all Trademark, copyright, and other intellectual property notices
contained in such Content; (iv) you will not use such Content in a manner that suggests an unauthorized association with any of our or our licensors’ products, services, or brands; (v) you will not make any modifications
to such Content; (vi) you will not copy, modify, reproduce, archive, sell, lease, rent, exchange, create derivative works from, publish by hard copy or electronic means, publicly perform, display, disseminate, distribute,
broadcast, retransmit, circulate or transfer to any third party or on any third-party application or website, or otherwise use or exploit such Content in any way for any purpose except as specifically permitted by this
Agreement or any Additional Terms or with the prior written consent of an officer of Sontiq or, in the case of Content from a licensor, the owner of the Content; and (vii) you will not insert any code or product to
manipulate such Content in any way that adversely affects any user experience.</li>
</ol>
<p> </p>
<ol start="4" class="mb-1em">
<li><strong> <u>Disclaimer or Warranties</u></strong></li>
</ol>
<p>OUR SITE, INCLUDING ALL CONTENT, MEMBERSHIPS, MEMBERSHIP PACKAGES, SUBSCRIPTIONS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU “AS IS”. EXCEPT TO THE EXTENT EXPRESSLY STATED
HEREIN, TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER SONTIQ NOR ITS PARTNERS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON
OR ACCESSED THROUGH THE SITE OR THE USE THEREOF IN TERMS OF THEIR COMPLETENESS, CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY, FREEDOM FROM COMPUTER VIRUS OR OTHERWISE OR AND WARRANTIES ARISING FROM
COURSE OF DEALING OR COURSE OF PERFORMANCE; THAT YOU WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES; THAT OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES WILL BE ERROR FREE;
THAT DEFECTS WILL BE CORRECTED, THAT THIS SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THERE WILL BE NO UNAUTHORIZED ACCESS TO YOUR PERSONAL INFORMATION. IN
ADDITION, EXCEPT FOR THE LIMITED WARRANTY EXPRESSLY SET FORTH IN THIS AGREEMENT UNDER THE SECTION ENTITLED “LIMITED WARRANTY”, SONTIQ AND ITS PARTNERS EXPRESSLY DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT
LIMITATION, AS TO TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, MEMBERSHIPS, PRODUCTS, SERVICES AND
CONTENT ARE AT YOUR OWN RISK.</p>
<ol start="5" class="mb-1em">
<li><strong><u>Limitation of Liability</u></strong></li>
</ol>
<p>THE ENTIRE RISK ARISING OUT OF THE USE OF THE SITE, THE USE OF ANY PRODUCTS AND/OR SERVICES OFFERED ON OR IN CONNECTION WITH THE SITE AND/OR THE USE OF ANY CONTENT REMAINS WITH YOU. BY USING OUR SITE, YOU ACKNOWLEDGE AND
AGREE THAT NEITHER SONTIQ NOR ITS PARTNERS HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES (WHICH SHALL
INCLUDE, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF
OUR SITE, CONTENT, MEMBERSHIPS, PRODUCTS 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.</p>
<p>IN NO EVENT SHALL SONTIQ BE LIABLE FOR ANY LOSS OR DAMAGES ARISING OUT OF SONTIQ’S PERFORMANCE OR NON-PERFORMANCE OF ITS SERVICES OR ANY DELAY IN PROVIDING SERVICES NOR SHALL SONTIQ HAVE ANY ADDITIONAL LIABILITY TO YOU
EXCEPT AS STATED HEREIN.</p>
<p>YOU UNDERSTAND THAT WE ONLY MONITOR YOUR PERSONAL INFORMATION WITHIN OUR NETWORK USING CERTAIN PROPRIETARY TECHNOLOGIES AND DATABASE INFORMATION OWNED BY OR UNDER LICENSE TO US, BUT NOT ALL TRANSACTIONS, INCLUDING THOSE
THAT MIGHT ENTAIL THE POTENTIALLY FRAUDULENT USE OF A CUSTOMER’S INFORMATION, MAY BE MONITORED AND THE SCOPE OF THE NETWORK UTILIZED BY US TO PROVIDE ALERTS MAY CHANGE. YOU ALSO UNDERSTAND AND AGREE THAT IT MAY TAKE UP TO
FOUR (4) WEEKS FROM THE DATE YOU ACCEPT THESE SERVICE TERMS AND COMPLETE THE ENROLLMENT PROCESS FOR ALL OF THE SERVICES TO BE FULLY ACTIVATED.</p>
<p>THESE LIMITATIONS WILL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, OR THE EXCLUSION OR LIMITATION
OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.</p>
<p>IN NO EVENT SHALL THE LIABILITY OF SONTIQ EXCEED THE FEES YOU PAID FOR THE SERVICES IN THE PRECEDING TWELVE (12) MONTHS.</p>
<ol start="6" class="mb-1em">
<li><strong><u>Indemnification</u></strong></li>
</ol>
<p>You agree to, and you hereby, defend, indemnify, and hold Sontiq harmless from and against any and all claims, damages, losses, costs, investigations, liabilities, judgments, fines, penalties, settlements, interest, and
expenses (including attorneys’ fees) that directly or indirectly arise from or are related to any claim, suit, action, demand, or proceeding made or brought against Sontiq, arising out of or in connection with: (i) your use
of the Site and your activities in connection with the Site; or (ii) your breach or alleged breach of this Agreement or any Additional Terms; (iii) your violation or alleged violation of any laws, rules, regulations, codes,
statutes, ordinances, or orders of any governmental or quasi-governmental authorities in connection with your use of the Site or your activities in connection with the Site; (iv) information or material transmitted through
your Device, even if not submitted by you, that infringes, violates, or misappropriates any copyright, trademark, trade secret, trade dress, patent, publicity, privacy, or other right of any person or entity; (v) any
misrepresentation made by you; and (vi) Sontiq’s use of the information that you submit to us (all of the foregoing, “Claims and Losses”). You will cooperate as fully required by Sontiq in the defense of any Claim and
Losses. Notwithstanding the foregoing, Sontiq retains the exclusive right to settle, compromise, and pay any and all Claims and Losses. Sontiq reserves the right to assume the exclusive defense and control of any Claims and
Losses. You will not settle any Claims and Losses without, in each instance, the prior written consent of an officer of Sontiq.</p>
<ol start="7" class="mb-1em">
<li><strong><u>Identity Theft Insurance & Restoration Services</u></strong></li>
</ol>
<p>The identity theft insurance benefit for members is underwritten and administered by any one of the following insurance carriers depending upon your program: AIG®, Assurant, or Hamilton Insurance DAC and/or its
affiliates. Coverage is provided under a master group policy issued in the name of Sontiq, Inc. for the benefit of members. A summary of the terms of coverage are set forth on your account dashboard under the “Support”
tab. Details identifying your applicable insurance carrier and other policy information can be found there. The complete policy is available from Sontiq on request. Sontiq’s insurance carrier administers all claims and
Sontiq shall have no responsibility with respect to such identify theft benefit. Restoration services are provided by Sontiq.</p>
<ol start="8" class="mb-1em">
<li><strong><u>Registration and Accurate Information</u></strong></li>
</ol>
<p>If you decide to register on our Site, become a member of one of our membership programs, purchase our products or services or participate in our partner programs, contests or surveys, you may be required to register,
provide personal information, and select a username and password. If you register for any feature that requires a password and/or username, then you will select your own password at the time of registration (or we may send
you an e-mail notification with a randomly generated initial password) and you agree that: (i) You will not use a username (or e-mail address) that is already being used by someone else, may impersonate another person,
belongs to another person, violates the intellectual property or other right of any person or entity, or is offensive. We may reject the use of any password, username, or e-mail address for any other reason in our sole
discretion; (ii) You will provide true, accurate, current, and complete registration information about yourself in connection with the registration process and, as permitted, to maintain and update it continuously and
promptly to keep it accurate, current, and complete; (iii) You are solely responsible for all activities that occur under your account, password, and username – whether or not you authorized the activity; (iv) You are solely
responsible for maintaining the confidentiality of your password and for restricting access to your Device so that others may not access any password protected portion of the Site using your name, username, or password; (v)
You will immediately notify us of any unauthorized use of your account, password, or username, or any other breach of security; and (vi) You will not sell, transfer, or assign your account or any account rights.</p>
<p>We will not be liable for any loss or damage (of any kind and under any legal theory) to you or any third party arising from your inability or failure for any reason to comply with any of the foregoing obligations.</p>
<p>If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates this Agreement, any Additional Terms, or any
applicable law, then we may suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole
discretion, for any reason, and without advance notice or liability.</p>
<p>While Sontiq takes reasonable measures to safeguard and to protect unauthorized access to your personal information, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty,
express or implied, that we will prevent unauthorized access to your private information.</p>
<ol start="9" class="mb-1em">
<li><strong><u>Free Access to the Credit File Information held by the Credit Bureaus</u></strong></li>
</ol>
<p><strong><em><u>Notice regarding Access for U.S. users under Fair Credit Reporting Act (FCRA) </u></em></strong></p>
<p>The FCRA allows you to obtain from each credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency
must be obtained directly from such credit reporting agency. The credit report you are requesting from Sontiq is not intended to constitute the disclosure of information by Experian, Equifax, and/or TransUnion as required by
the FCRA or similar laws.</p>
<p>The FCRA provides that you may dispute inaccurate or incomplete information in your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM Sontiq IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN
YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE THREE (3) NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.</p>
<p>The FCRA allows you to obtain a free disclosure from every national credit reporting agency of the nature and substance of all information in your file at the time of the request. You may request your free annual report
under the FCRA, at <a href="http://www.annualcreditreport.com" target="_blank">www.annualcreditreport.com</a></p>
<p>In addition, the FCRA allows you to obtain a copy of all of the information in your consumer credit file from consumer reporting agencies for a reasonable charge.</p>
<p>You are also entitled to receive a disclosure free of charge directly from the consumer reporting agency under the following circumstances:</p>
<ul class="square-list">
<li>You have been denied credit, insurance or employment within the past sixty (60) days as a result of your credit report.</li>
<li>You certify in writing that your are unemployed and intend to apply for employment in the sixty (60)-day period beginning on the date on which you made the certification.</li>
<li>You are a recipient of public welfare assistance.</li>
<li>You have reason to believe that your file at the credit reporting agency contains inaccurate information due to fraud.</li>
</ul>
<p>The FCRA permits you to dispute inaccurate or incomplete information in your credit file. Accurate information cannot be changed.</p>
<p>You do not have to purchase your credit report or other information from Sontiq to dispute inaccurate or incomplete information in your Experian, Equifax and/or TransUnion file or to receive a copy of your Experian, Equifax
and/or TransUnion file.</p>
<p>If you reside in the States of Colorado, Maine, Massachusetts, Maryland, New Jersey, Puerto Rico or Vermont you may receive a free copy of your consumer credit report once per year and if you are a resident of the State of
Georgia you may receive two (2) copies per year.</p>
<p>Click <a href="https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf" target="_blank">here</a> for a full text of your summary of rights under the FCRA.</p>
<p>
<strong><em><u>Notice regarding Access for Canadian users by the </u></em></strong><a href="https://www.canada.ca/en/financial-consumer-agency.html" target="_blank"><strong><em>Financial Consumer Agency of Canada</em></strong></a>
</p>
<p>Canadian law and rights enforced by the <a href="https://www.canada.ca/en/financial-consumer-agency.html" target="_blank">Financial Consumer Agency of Canada</a> allow you to obtain from each of the two major Canadian
credit bureaus, a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit bureau must be obtained directly from such bureau. The credit report
you are requesting from Sontiq is not intended to constitute the disclosure of information by Equifax Canada and/or TransUnion Canada as required by Canadian laws, Fair Information Practices, or the rights enforced by the
Financial Consumer Agency of Canada.</p>
<p>Canadian law provides that you may dispute inaccurate or incomplete information in your credit report and regarding data held about you by other entities. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM SONTIQ IN
ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX CANADA AND/OR TRANSUNION CANADA.</p>
<p>The Financial Consumer Agency of Canada allows you to obtain a free disclosure from both of the national credit bureaus of the nature and substance of all information in your file at the time of the request. Note that
Equifax Canada refers to your credit report as “credit file disclosure” while TransUnion Canada refers to your credit report as “consumer disclosure”.</p>
<p><em><u>You may request your free annual report:</u></em></p>
<p><em><u>By mail or fax</u></em></p>
<ul class="square-list">
<li>Make your request in writing using the forms provided by <a href="http://www.equifax.com/ecm/canada/EFXCreditReportRequestForm.pdf" target="_blank">Equifax</a> and
<a href="https://www.transunion.ca/resources/transunion-ca/doc/personal/Consumer_Disclosure_Request_Form_en.pdf" target="_blank">TransUnion</a></li>
<li>Provide copies of two pieces of acceptable identification, such as a driver’s license or passport</li>
<li>You must receive your credit report by mail</li>
</ul>
<p><em><u>By telephone</u></em></p>
<ul class="square-list">
<li>Call the credit bureau and follow the instructions <ul class="square-list" style="margin: 0;">
<li>Equifax Canada <br> Tel: 1-800-465-7166</li>
<li>TransUnion Canada <br> Tel: 1-800-663-9980 (except Quebec) <br> Tel: 1-877-713-3393 (Quebec residents)</li>
</ul>
</li>
<li>Confirm your identity by answering a series of personal and financial questions</li>
<li>You may also need to provide your Social Insurance Number and/or a credit card number to confirm your identity</li>
<li>You must receive your credit report by mail</li>
</ul>
<p><em><u>By accessing online</u></em></p>
<p>You may pay a fee to order your credit report online if you want to see it right away. TransUnion allows you to order your credit report online once a month for free.</p>
<p>Canadian law permits you to dispute inaccurate or incomplete information in your credit file. Accurate information cannot be changed.</p>
<p>You do not have to purchase your credit report or other information from Sontiq to dispute inaccurate or incomplete information in your Equifax Canada and/or TransUnion Canada file or to receive a copy of your Equifax
Canada and/or TransUnion Canada file.</p>
<p>Click <a href="https://www.canada.ca/en/financial-consumer-agency/services/credit-reports-score/order-credit-report.html#toc0" target="_blank">here</a> for a full text and explanation of rights provided by the Financial
Consumer Agency of Canada.</p>
<ol start="10" class="mb-1em">
<li><strong><u>Feedback You Submit</u></strong>
<ol class="upper-alpha-style" start="1">
<li><strong><u>General</u></strong>. Sontiq may now or in the future offer users of the Site the opportunity to post, upload, display, publish, distribute, transmit or otherwise make available on or submit through the
Site, messages, text, files, comments, responses, information, content, results, ratings, reviews, suggestions, data, questions, personally identifiable information, or other information or materials and the ideas
contained therein (collectively, “User-Generated Content”). Sontiq may allow you to do this through contact us, email, and other communications functionality. Subject to the rights and license you grant in this
Agreement, you retain whatever legally cognizable right, title, and interest that you have in your User-Generated Content and you remain ultimately responsible for it.</li>
<li><strong><u>Non-Confidentiality of Your User-Generated Content</u></strong>. Except as otherwise described in the Site’s posted
<a class="privacy-policy-url" href="https://cigna.identityforce.com/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/PrivacyPolicy/tabid/209/Default.aspx" target="_blank">Privacy Notice</a> or any Additional
Terms, you agree that: (a) your User-Generated Content will be treated as non-confidential – regardless of whether you mark them “confidential,” “proprietary,” or the like – and will not be returned; and (b) Sontiq
does not assume any obligation of any kind to you or any third party with respect to your User-Generated Content. Upon Sontiq’s request, you will furnish us with any documentation necessary to substantiate the rights
to such content and to verify your compliance with this Agreement or any Additional Terms. You acknowledge that the Internet and mobile communications may be subject to breaches of security and that you are aware that
submissions of User-Generated Content may not be secure, and you will consider this before submitting any User-Generated Content and do so at your own risk. In your communications with Sontiq, please keep in mind that
we do not seek any unsolicited ideas or materials for products or services, or even suggested improvements to products or services, including, without limitation, ideas, concepts, inventions, or designs for software,
apps, books, websites, products, services or otherwise (collectively, “Unsolicited Ideas and Materials”). Any Unsolicited Ideas and Materials you post on or send to us via the Site are deemed User-Generated Content and
licensed to us as set forth below. In addition, Sontiq retains all of the rights held by members of the general public with regard to your Unsolicited Ideas and Materials. Sontiq’s receipt of your Unsolicited Ideas and
Materials is not an admission by Sontiq of their novelty, priority, or originality, and it does not impair Sontiq’s right to contest existing or future intellectual property rights relating to your Unsolicited Ideas
and Materials.</li>
<li><strong><u>License to Sontiq of Your User-Generated Content.</u></strong> Except as otherwise described in any applicable Additional Terms, which specifically govern the submission of your User-Generated Content),
you hereby grant to Sontiq, and you agree to grant to Sontiq, the non-exclusive, unrestricted, unconditional, unlimited, worldwide, irrevocable, perpetual, and cost-free right and license to use, copy, record,
distribute, reproduce, disclose, sell, re-sell, sublicense (through multiple levels), display, publicly perform, transmit, publish, broadcast, translate, make derivative works of, and otherwise use and exploit in any
manner whatsoever, all or any portion of your User-Generated Content (and derivative works thereof), for any purpose whatsoever in all formats, on or through any means or medium now known or hereafter developed, and
with any technology or devices now known or hereafter developed, and to advertise, market, and promote the same. Without limitation, the granted rights include the right to: (a) configure, host, index, cache, archive,
store, digitize, compress, optimize, modify, reformat, edit, adapt, publish in searchable format, and remove such User-Generated Content and combine same with other materials, and (b) use any ideas, concepts, know-how,
or techniques contained in any User-Generated Content for any purposes whatsoever, including developing, producing, and marketing products and/or services. In order to further effect the rights and license that you
grant to Sontiq to your User-Generated Content, you also hereby grant to Sontiq, and agree to grant to Sontiq, the unconditional, perpetual, irrevocable right to use and exploit your name, persona, and likeness in
connection with any User-Generated Content, without any obligation or remuneration to you. Except as prohibited by law, you hereby waive, and you agree to waive, any moral rights (including attribution and integrity)
that you may have in any User-Generated Content, even if it is altered or changed in a manner not agreeable to you. To the extent not waivable, you irrevocably agree not to exercise such rights (if any) in a manner
that interferes with any exercise of the granted rights. You understand that you will not receive any fees, sums, consideration, or remuneration for any of the rights granted in this Section 10(C).</li>
</ol>
</li>
<li><strong><u>Links By You to the Site</u></strong></li>
</ol>
<p>We grant you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to create hyperlinks to the Site, so long as: (a) the links only incorporate text, and do not use any Trademarks, (b)
the links and the content on your website do not suggest any affiliation with Sontiq or cause any other confusion, and (c) the links and the content on your website do not portray Sontiq or its products or services in a
false, misleading, derogatory, or otherwise offensive matter, and do not contain content that is unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right
of any third party or are otherwise objectionable to Sontiq.</p>
<ol start="12" class="mb-1em">
<li><strong><u>Dispute Resolution and Class Action Waiver</u></strong></li>
</ol>
<p><strong>PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS</strong></p>
<ol class="upper-alpha-style">
<li><strong><u>Disputes Subject to Arbitration</u></strong>. Sontiq and the member agree to arbitrate all disputes and claims between and among them, including, but not limited to:</li>
</ol>
<ol class="number-list">
<li>claims arising out of or relating to any aspect of the relationship between Sontiq and the member, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory;</li>
<li>claims that arose before this or any prior agreement between Sontiq and the member (including, but not limited to, claims relating to advertising or disclosures of Sontiq); and</li>
<li>claims that may arise after the termination of the Agreement.</li>
</ol>
<p>Notwithstanding the foregoing, Sontiq and member may bring an individual action in small claims court, provided that it seeks relief that does not affect other members or customers of Sontiq.</p>
<p>Any dispute as to the arbitrability of claims or the scope or enforceability of this arbitration provision, or as to the interpretation of Section 12(B) below, is for the court to decide. This Agreement evidences a
transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this Section of the Agreement. This arbitration provision contained in this Section of the Agreement
shall survive termination of the agreement between us.</p>
<ol class="upper-alpha-style" start="2">
<li><strong><u>Starting the Dispute-Resolution Process</u></strong>. A party (i.e., Sontiq or the member) who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Dispute
Notice”). The Notice to Sontiq should be sent to the address provided in Section 14 of this Agreement. The Dispute Notice must: (i) provide the member’s mailing address, phone number, and account name (if any); (ii)
describe the nature and basis of the claim or dispute; and (iii) set forth the specific relief sought (“Demand”). Thereafter, Sontiq and the member shall confer in good faith to attempt to resolve the claim or dispute. If
Sontiq and the member do not reach an agreement to resolve the claim or dispute within forty-five (45) days after the Dispute Notice is received, the member or Sontiq may commence an arbitration proceeding with the
Judicial Arbitration and Mediation Services Inc. (“JAMS”).</li>
<li><strong><u>Costs of Arbitration</u></strong>. Sontiq will pay all JAMS filing, administration, and arbitrator fees for any arbitration we initiate. The payment of those fees for any arbitration that the member initiates
will be governed by the JAMS’ streamlined Arbitration Rules and Procedures. However, if you initiate an arbitration in accordance with the notice requirements of Section 12(B) and are seeking relief valued at $500US or
less (both to the member and Sontiq), Sontiq will pay all JAMS filing, administration, and arbitrator fees. If the member’s claim is for greater than $500US but less than $10,000US, Sontiq will pay all such fees in excess
of $20US. After Sontiq receives a notice that the member has commenced an arbitration, Sontiq will promptly reimburse the member for any portion of the filing fee that the member paid that Sontiq has agreed to pay.If the
arbitrator finds that either the substance of the member’s claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure
11(b)), then the payment of all JAMS filing, administration, and arbitrator fees shall be governed by the JAMS Rules, and the member agrees to reimburse Sontiq for any amounts it paid on to JAMS on the member’s behalf.
</li>
<li><strong><u>Arbitration Procedures</u></strong>. The arbitrator shall be bound by the terms of this arbitration provision. The arbitration will be governed by the JAMS’ streamlined Arbitration Rules and Procedures
(collectively, “JAMS Rules”), as modified by this arbitration provision. JAMS shall administer the arbitration. If JAMS is unavailable, the arbitration will be administered by another arbitration provider that the parties
agree to or that the court selects.Unless Sontiq and the member otherwise agree, any arbitration hearings will take place in the county (or parish) of the member’s residence at the time of the filing of the Demand with
JAMS. If the member brings a claim for $10,000US or less, we agree that the member may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic
hearing, or by an in-person hearing as established by the JAMS Rules. If the member’s claim exceeds $10,000US, the right to a hearing will be determined by the JAMS Rules.Arbitrators shall be bound by rulings in prior
arbitrations involving the same customer to the extent required by applicable law.Unless the parties agree otherwise, Sontiq and the member must bring all directly related claims in a single arbitration proceeding. If
Sontiq or the member later initiate a subsequent arbitration asserting claims that are directly related to ones that were raised in a prior arbitration between the same parties, JAMS or the arbitrator shall either: (i)
consolidate the subsequent arbitration with the earlier proceeding if it is ongoing; or (ii) dismiss any claims raised in the subsequent arbitration that would be barred by applicable law if brought in court.Regardless of
the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Although under some laws
Sontiq may have a right to an award of attorneys’ fees and expenses if it prevails in an arbitration, Sontiq agrees that it will not seek such an award unless the member is represented by an attorney and the arbitrator has
determined that the member’s claim is frivolous or brought for an improper purpose (as measured by the standards of Federal Rule of Civil Procedure 11(b)).</li>
</ol>
<ol class="upper-alpha-style" start="5">
<li><strong><u>Prohibition of Class or Representative Actions and Non-Individualized Relief</u></strong>. Sontiq AND THE MEMBER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN THEIR INDIVIDUAL CAPACITY, AND NOT AS
A PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY PURPORTED CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING. Further, unless both Sontiq and the member agree otherwise, the arbitrator may not consolidate more
than one person’s claims, and may not otherwise preside over any form of a class, representative, or private attorney general proceeding. The arbitrator may award any relief that a court could award, so long as the relief
is individualized to the claimant and would not affect other Sontiq members or customers. Neither Sontiq nor the member may seek non-individualized relief that would affect other Sontiq members or customers. If a court
decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in
court.</li>
<li><strong><u>Future Changes to Agreement to Arbitrate</u></strong>. Notwithstanding any provision in this Agreement to the contrary, we agree that if Sontiq makes any future change to this arbitration provision (other than
a change to the address in the Notice Section, website links, or telephone numbers outlined in this Agreement), any such changes will not affect disputes that arose before the effective date of the change.</li>
</ol>
<ol start="13" class="mb-1em">
<li><strong><u>Updates to Agreement</u></strong></li>
</ol>
<p>THIS AGREEMENT AND CONDITIONS UNDER WHICH WE OFFER THE SITE MAY PROSPECTIVELY BE MODIFIED AND WE MAY CEASE OFFERING THE SITE UNDER THE AGREEMENT OR ADDITIONAL TERMS FOR WHICH THEY WERE PREVIOUSLY OFFERED. ACCORDINGLY, EACH
TIME YOU SIGN IN TO OR OTHERWISE USE THE SITE YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON THE THEN APPLICABLE AGREEMENT AND CONDITIONS AND YOU AGREE THAT WE MAY NOTIFY YOU OF OTHER AGREEMENTS BY POSTING THEM ON THE SITE
(OR IN ANY OTHER REASONABLE MANNER OF NOTICE WHICH WE ELECT), AND THAT YOUR USE OF THE SITE AFTER SUCH NOTICE CONSTITUTES YOUR GOING FORWARD AGREEMENT TO THE OTHER AGREEMENT FOR YOUR NEW USE AND TRANSACTIONS. Therefore, you
should review the posted Terms of Use and any applicable Additional Terms each time you use the Site. The Additional Terms will be effective as to new use and transactions as of the time that we post them, or such later date
as may be specified in them or in other notice to you. However, the Agreement (and any applicable Additional Terms) that applied when you previously used the Site will continue to apply to such prior use (i.e., changes and
additions are prospective only) unless mutually agreed. In the event any notice to you of new, revised or Additional Terms is determined by a tribunal to be insufficient, the prior agreement shall continue until sufficient
notice to establish a new agreement occurs. You can reject any new, revised or Additional Terms by discontinuing use of the Site and related services.</p>
<ol start="14" class="mb-1em">
<li><strong><u>Notices</u></strong></li>
</ol>
<p>You should send any notices or other communications regarding our Site, your membership, products or services to Sontiq, Inc., 9920 Franklin Square Drive, Suite 250, Nottingham, MD, 21236, USA.</p>
<p>Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your
address. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you wish to update your
registration information, please log in to your account or:</p>
<ul class="square-list">
<li>If a U.S. resident contact Customer Service at <a href="tel:8886766847">(888)</a><a href="tel:8886766847">676-6847</a>.</li>
<li>If a Canadian resident contact Customer Service at (<a href="tel:8662721223">866) 272-1223</a>.</li>
<li>If you are a resident of a country outside of the U.S. and Canada, you can contact Customer Service by calling us at: +1<a href="tel:8662055983">(866) 205-5983</a> or <a href="tel:5086448726">(508)-644-8726</a>, or via
email to: <a href="mailto:customersupport@sontiq.com">customersupport@sontiq.com</a>.</li>
</ul>
<ol start="15" class="mb-1em">
<li><strong><u>Miscellaneous</u></strong>
<ol class="upper-alpha-style" start="1">
<li><strong><u>Applicable Law</u></strong>. This Agreement will be governed by and construed in accordance with, and any Dispute and Excluded Dispute will be resolved in accordance with, the laws of the Commonwealth of
Massachusetts, without regard to its conflicts of law provisions.</li>
<li><strong><u>Relationship of the Parties</u></strong>. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Sontiq as a result of this Agreement, our Privacy Notice or
any use of the Site.</li>
<li><strong><u>Operation of Site; Availability of Products and Services; International Issues</u></strong>. Sontiq controls and operates the Site from its U.S.-based offices in the U.S.A. The Site may describe products
and services that are available only in the U.S.A. (or only parts of it) and are not available worldwide. We reserve the right, without any limitation, to: (i) investigate any suspected breaches of the Site’s security
or its information technology or other systems or networks; (ii) investigate any suspected breaches of this Agreement and any Additional Terms; (iii) investigate any information obtained by us in connection with
reviewing law enforcement databases or complying with criminal laws; (iv) involve and cooperate with law enforcement authorities in investigating any of the foregoing matters; (v) prosecute violators of this Agreement
and any Additional Terms. We reserve the right to limit the availability of the Site and/or the provision of any content, program, product, service, or other feature described or available on the Site to any person,
entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, product, Site, or other feature that we provide. You and we disclaim any
application to this Agreement of the Convention on Contracts for the International Sale of Goods. You may not use or export the any software or materials made available on the Site in violation of U.S. export laws and
regulations.</li>
<li><strong><u>Severability; Interpretation</u></strong>. If any provision of this Agreement, or any Additional Terms, is for any reason deemed invalid, unlawful, void, or unenforceable by a court or arbitrator of
competent jurisdiction, then that provision will be deemed severable from this Agreement or the Additional Terms, and the invalidity of the provision will not affect the validity or enforceability of the remainder of
this Agreement or the Additional Terms (which will remain in full force and effect). Section headings are provided for convenience only and shall not limit the full Agreement.</li>
<li><strong><u>Termination; Survival</u></strong>. Sontiq reserves the right to discontinue the Site, in whole or in part, or, except as may be expressly set forth in any Additional Terms, suspend or terminate your
access to it, in whole or in part, including any user accounts or registrations, at any time, without notice, for any reason and without any obligation to you or any third party. Upon suspension or termination of your
access to the Site, or upon notice from Sontiq, all rights granted to you under this Agreement or any Additional Terms will cease immediately, and you agree that you will immediately discontinue use of the Site. The
provisions of this Agreement and any Additional Terms, which by their nature should survive your suspension or termination will survive, including the rights and licenses you grant to Sontiq in this Agreement, as well
as the indemnities, releases, disclaimers, and limitations on liability and the provisions regarding jurisdiction, choice of law, no class action, and mandatory arbitration.</li>
<li><strong><u>Assignment</u></strong>. Sontiq may assign its rights and obligations under this Agreement and any Additional Terms, in whole or in part, to any party at any time without any notice. This Agreement and any
Additional Terms may not be assigned by you, and you may not delegate your duties under them, without the prior written consent of an officer of Sontiq.</li>
<li><strong><u>No Waiver</u></strong>. Except as expressly set forth in this Agreement or any Additional Terms, (i) no failure or delay by you or Sontiq in exercising any of rights, powers, or remedies under will operate
as a waiver of that or any other right, power, or remedy, and (ii) no waiver or modification of any term of this Agreement or any Additional Terms will be effective unless in writing and signed by the party against
whom the waiver or modification is sought to be enforced.</li>
<li><strong><u>Entire Agreemen</u></strong>t. This Agreement and our Privacy Notice constitute the entire agreement between you and Sontiq with respect to the Site, and they supersede all prior or contemporaneous
communications and proposals, whether electronic, oral or written, between you and Sontiq with respect to the Site.</li>
</ol>
</li>
<li><strong><u>Terms Applicable For Accessing The App Through An Apple Device</u></strong></li>
</ol>
<p>If you are accessing or using the Sontiq App through a Device manufactured and/or sold by Apple, Inc. (“Apple”, with such a device herein referenced as an “Apple Device”):</p>
<ol class="lower-roman-style">
<li>To the extent that you are accessing the App through an Apple Device, you acknowledge that this Agreement is entered into between you and Sontiq and, that Apple is not a party to this Agreement other than as third-party
beneficiary as contemplated below.</li>
<li>The license granted to you in Section 1 of this Agreement is subject to the permitted Usage Rules set forth in the Apple App Store Terms and Conditions (see:
<a href="http://www.apple.com/legal/itunes/us/terms.html" target="_blank">http://www.apple.com/legal/itunes/us/terms.html</a>) and any third party terms of agreement applicable to the App.</li>
<li>You acknowledge that Sontiq, and not Apple, is responsible for providing the App and Content thereof.</li>
<li>You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or any support services to you with respect to the App.</li>
<li>To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App.</li>
<li>Notwithstanding anything to the contrary herein, and subject to the terms in this Agreement, you acknowledge that, solely as between Apple and Sontiq, Sontiq and not Apple is responsible for addressing any claims you may
have relating to the App, or your possession and/or use thereof, including, but not limited, to: (i) product liability claims, (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement;
and (iii) claims arising under consumer protection or similar legislation.</li>
<li>Further, you agree that if the App, or your possession and use of the App, infringes on a third party’s intellectual property rights, you will not hold Apple responsible for the investigation, defense, settlement and
discharge of any such intellectual property infringement claims.</li>
<li>You acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement, and that, upon your acceptance of the terms and conditions of this Agreement, Apple will have the right
(and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary thereof.</li>
<li>When using the App, you agree to comply with any and all third-party terms that are applicable to any platform, website, technology or service that interacts with the App.</li>
<li>You represent and warrant that: (i) 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 (ii) you are
not listed on any U.S. Government list of prohibited or restricted parties.</li>
</ol>
</section>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<!--Common Privacy Policy Popup -->
<div class="popup2Shell popupPrivacyPolicy medium">
<div class="popup2Container">
<h1 class="popup2Header">Privacy Policy</h1>
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn">
<img src="/Partner/_Default/modal_close_btn.png" alt=""></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div id="dnn_skinFooter_LegalContentTermsCondition_divPrivacyPolicy" class="popup2ContentInner">
<style>
.square-list {
margin: 0 0 1em 0.2em;
padding-left: 2.35294em;
}
.square-list li {
list-style-type: disc;
}
.uc-bold {
text-transform: uppercase;
font-weight: bold;
}
.h2-font {
font-size: 27px;
}
</style>
<div class="content_container_gradient">
<div class="content_container_gradient_fade leading_1 relative">
<div class="pdfPrint_icons">
<a href="javascript: window.print();"> <img src="/Partner/_Default/printer_icon.gif" alt="Print this Page"> </a>
</div>
<div class="cr">
</div>
<div id="printPP">
<h2>PRIVACY NOTICE</h2>
<div class="content-wrapper">
<section class="section cf full-width-bar text">
<p><em>This Privacy Notice was last revised on December 1, 2021.</em></p>
<p>Sontiq, Inc., is now a TransUnion company. Please note that this Sontiq Privacy Notice does not cover any products offered by another TransUnion company.</p>
<p>This Privacy Notice describes how we collect, use, share, and protect the Personal Information you may provide to us and we collect about you. It applies to Personal Information you may supply when you use our websites,
mobile apps, and other online services we provide that link to this Privacy Notice (“Site”).</p>
<p>When we process your Personal Information, we will always apply the core principles we have adopted from the European Union’s General Data Protection Regulation, GDPR, to ensure the information is:</p>
<ul class="square-list">
<li>Used lawfully, fairly and in a transparent way.</li>
<li>Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes.</li>
<li>Relevant to the purposes we have told you about and limited only to those purposes.</li>
<li>Accurate as updated by you from time to time.</li>
<li>Kept only as long as necessary.</li>
<li>Kept securely.</li>
</ul>
<p>We collect Personal Information from you and about you from third parties. This Privacy Notice does not apply to data we receive from third parties unless it is combined with Personal Information you have provided to us.
</p>
<p>If you do not agree to the terms of this Privacy Notice, please do not provide us with any Personal Information and do not use this Site. We also recommend that you review the Site’s
<a class="tnc-url" href="https://cigna.identityforce.com/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/TermsAndConditions/tabid/434/Default.aspx" target="_blank">Terms of Use</a>. This document governs your use of
the Site.</p>
<p>To print our full Terms of Use, click <a href="https://www.sontiq.com/wp-content/uploads/2021/12/Sontiq-Terms-of-Use-12.1.21.pdf" target="_blank">here</a>. To read or print our full Privacy Notice, click
<a href="https://www.sontiq.com/wp-content/uploads/2021/12/Sontiq-Privacy-Notice-12.1.21.pdf" target="_blank">here</a>. To review the full Privacy Notice, please keep reading.</p>
<p>This notice will answer many of the questions you have about the use of your information. These include:</p>
<ul class="square-list">
<li><a href="#what-information-does-the-site-collect">What information does the Site collect?</a></li>
<li><a href="#how-do-we-use-the-information-collected">How do we use the information collected?</a></li>
<li><a href="#where-does-processing-of-the-information-occur">Where does processing of the information occur?</a></li>
<li><a href="#how-is-the-information-protected">How is the information protected?</a></li>
<li><a href="#how-do-i-change-my-information-and-communications-preferences">How Do I Change My Information and Communications Preferences?</a></li>
<li><a href="#how-and-when-do-we-share-information-with-third-parties">How and When Do We Share Information with Third Parties?</a></li>
<li><a href="#how-is-your-information-used-for-advertising">How is your information used for advertising?</a></li>
<li><a href="#third-party-content-links-to-sites-and-or-apps">Does Third-Party Content, Links to Sites, and/or Apps Appear on the Site?</a></li>
<li><a href="#how-is-childrens-information-processed">How is children’s information processed?</a></li>
<li><a href="#about-changes-to-the-privacy-policy">About Changes to the Privacy Notice?</a></li>
<li><a href="#who-do-i-contact-with-questions-and-concerns">Who do I contact with questions and concerns?</a></li>
<li><a href="#is-there-any-jurisdictional-specific-information">Is there any jurisdictional specific information?</a></li>
</ul>
<h2 class="uc-bold h2-font" id="what-information-does-the-site-collect">1 What information does the Site collect?</h2>
<h3 class="uc-bold">1.1 Information You Provide Us</h3>
<p>In general, you can use the Site without revealing Personal Information about yourself. However, we may ask you to provide to us certain categories of information, such as:</p>
<p style="padding-left: 40px;"><strong>Personal Information</strong>, such as your first and last name, phone number, username and password, credit card number, social security number and email address (“Personal
Information”); and</p>
<p style="padding-left: 40px;"><strong>Demographic Information</strong>, such as information about your gender and employment information (“Demographic Information”). If we combine Demographic Information with your Personal
Information, we will treat the combined data as Personal Information.</p>
<p>We may collect this information through various forms and in various places in the Site. If you register for an account, subscribe to our newsletter, through “contact us” forms, or when interacting with the Site, we may
collect Personal Information.</p>
<h3 class="uc-bold">1.2 Location-based information</h3>
<p>We may use location-based services to determine your location. We do this to verify your location, deliver you relevant content based on your location, and to enable the location-based services we offer. You may be able to
change the settings on your Device to prevent it from providing your location.</p>
<h3 class="uc-bold">1.3 Information Third Parties Provide About You</h3>
<p>We may supplement the Personal Information we collect directly from you with information from third parties. This allows us to</p>
<ul class="square-list">
<li>enhance our ability to provide the services you have requested,</li>
<li>tailor our content to you, and</li>
<li>offer you opportunities that may be of interest to you.</li>
</ul>
<p>The Site may allow access to third-party websites, online services, or applications. In return the third-party may provide personal and other information to us. For example, if you select a social media icon (such as for
Facebook, Twitter, or Instagram), we may have access to the information from them.</p>
<p>We may also receive information about you from your friends and others that use the Site. This will happen when they submit content to us or post on the Site.</p>
<p>When we receive information from those sources and combine it with Personal Information, the new information will be treated as Personal Information under this Notice.</p>
<h3 class="uc-bold">1.4 Information we collect automatically</h3>
<p>In addition to any Personal Information you provide to us, we may use a variety of technologies that automatically collect certain information whenever you visit or interact with the Site. When we associate Usage
Information with your Personal Information, we will treat it as Personal Information.</p>
<p>This Usage Information may include:</p>
<ul class="square-list">
<li>Your IP address, UUID – universally unique identifier, or another unique identifier (“Device Identifier”). This is automatically assigned to your device.</li>
<li>Your device functionality (including browser, operating system, hardware, mobile network information, etc.).</li>
<li>The areas within our Site that you visit and your activities there, including remembering you and your preferences.</li>
<li>Your device location.</li>
<li>Other device data, such as the time of day.</li>
</ul>
<p>We use various methods and technologies to store or collect Usage Information (“Tracking Technologies”). The Tracking Technologies used on the Site include:</p>
<p style="padding-left: 40px;"><strong>Cookies</strong> – A cookie is a small data file placed on a device when it is used to visit the Site. Cookies may be disabled or removed by tools that are available as part of most
commercial browsers. Each browser you use must be set separately. Please be aware that if you disable or remove cookies on your device, some parts of our Site may not function properly.</p>
<p style="padding-left: 40px;"><strong>Web Beacons</strong> – Web beacons are small images that may be included in our Site and in our messages. Web Beacons may be used for a number of purposes such as</p>
<ul class="square-list">
<li style="list-style-type: none;">
<ul class="square-list">
<li>counting visitors to the Site,</li>
<li>monitoring how users navigate the Site,</li>
<li>counting how many sent emails were actually opened, or</li>
<li>counting how many particular links were actually viewed.</li>
</ul>
</li>
</ul>
<p style="padding-left: 40px;"><strong>Embedded Scripts</strong> – An embedded script collects information about how you use the Site. The code is temporarily downloaded onto your Device while you are connected to the Site and
is deactivated or deleted when you leave.</p>
<p style="padding-left: 40px;"><strong>Browser Fingerprinting</strong> – Browser fingerprinting is based on the analysis of information from your Device. Items such as your operating system, plug-ins, system fonts and other
data are used to create a unique ID to identify your device.</p>
<p style="padding-left: 40px;"><strong>Entity tags</strong> – An entity tag, or ETag, is an opaque identifier assigned by a web server to a specific version of a resource found at a web server. If the resource content ever
changes, a new and different ETag is assigned. Used in this manner ETags are a form of Device Identifier. ETag tracking may generate unique tracking values even where the consumer blocks cookies.</p>
<p style="padding-left: 40px;"><strong>Recognition Technologies</strong> – Recognition technologies make assumptions about users and devices such as that a user of multiple devices is the same user.</p>
<h3 class="uc-bold">1.5 If you fail to provide personal information</h3>
<p>If you fail to provide certain information when requested, we may not be able to provide part of our service to you (such as monitoring your credit card for unlawful activity), or we may be prevented from complying with our
legal obligations.</p>
<h2 class="uc-bold h2-font" id="how-do-we-use-the-information-collected">2 How do we use the information collected?</h2>
<p>We may use your Personal Information, Demographic Information or Usage Information that is subject to this Privacy Notice:</p>
<ul class="square-list">
<li>to provide you with services such as to protect your identity,</li>
<li>to process transactions or provide you with information such as to send you electronic newsletters,</li>
<li>to provide you with special offers or promotional and marketing materials (including sweepstakes and contests) on behalf of us or third parties, including to let you know about new products, services, or upcoming events,
</li>
<li>to improve the Site including the user experience, marketing endeavors, and our Site offerings,</li>
<li>to customize your experience on the Site,</li>
<li>to serve you specific content or ads that are relevant to you,</li>
<li>to provide customer support,</li>
<li>to authenticate a credit card number and verify that the person requesting your credit report really is you,</li>
<li>to contact you with regard to your use of the Site and, in our discretion, changes to the Site and/or Site’s policies,</li>
<li>for internal business purposes, and</li>
<li>for purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Notice.</li>
</ul>
<p>We will only use your Personal Information for the purposes for which we collected it and related purposes. You will be notified if we need to use your personal information for an unrelated purpose. We may also process your
Personal Information where the processing is required or permitted by law.</p>
<h3 class="uc-bold">2.1 Use of Information for Recruitment Purposes.</h3>
<p>You may provide information to us as part of an application to become part of the Sontiq team. This may include Personal, Demographic, or other information. We use this information to make an informed decision about
proceeding with your application as a legitimate interest of our business. If you provide any information that is considered to be sensitive, you may be asked to expressly consent to our processing.</p>
<h3 class="uc-bold">2.2 Automated Decision Making</h3>
<p>Sontiq does not make decisions using automated means that have legal or similar impacts to you. “Automated decision making” is when choices are made by computers without the involvement of a person.</p>
<p>We are allowed to use automated decision-making in the following circumstances:</p>
<ul class="square-list">
<li>Where it is necessary to perform the contract with you and appropriate measures are in place to safeguard your rights.</li>
<li>With your explicit written consent and where appropriate measures are in place to safeguard your rights.</li>
<li>Where we have notified you of a decision and given you 21 days to request a reconsideration.</li>
</ul>
<h2 class="uc-bold h2-font" id="where-does-processing-of-the-information-occur">3 Where does processing of the information occur?</h2>
<p>Our Site operates in the United States. Information we collect, including Personal Information, will be transferred, processed, stored, and used in the United States.</p>
<p>The data protection laws in the United States may differ from those of the country in which you are located. Your information may be subject to access requests from governments, courts, or law enforcement according to the
laws of the United States.</p>
<h3 class="uc-bold">3.1 How long is personal information retained?</h3>
<p>We only retain your personal information for as long as necessary to fulfill the purposes for which it was collected. This includes satisfying any legal, accounting, or reporting requirements.</p>
<p>When you give up your membership, your Personal Information is retained for a short period of time in the event you decide to rejoin. After this period, your Personal Information will be securely destroyed or obfuscated.
</p>
<h2 class="uc-bold h2-font" id="how-is-the-information-protected">4 HOW YOUR INFORMATION IS PROTECTED</h2>
<p>The security of your personal information is of critical importance to us. Sontiq’s security controls are independently audited, annually to:</p>
<ul class="square-list">
<li>
<a href="https://www.pcisecuritystandards.org/documents/PCI_DSS-QRG-v3_2_1.pdf" target="_blank">the Payment Card Industry Data Security Standards (PCI DSS) Level 1 controls, including a Report on Compliance (RoC) issued by a Qualified Security Assessor (QSA)</a>
</li>
<li>
<a href="https://www.aicpa.org/interestareas/frc/assuranceadvisoryservices/socforserviceorganizations.html" target="_blank">the American Institute of Certified Public Accountants (AICPA) SOC 2, Type 2, (Report on Controls at a Service Organization) based on the Trust Services Criteria relevant to Security, Availability, Processing Integrity, Confidentiality, and Privacy</a>,
and</li>
<li><a href="https://csrc.nist.gov/projects/risk-management/sp800-53-controls" target="_blank">the US National Institute of Standards and Technology (NIST) 800-53 Risk Management Framework</a></li>
</ul>
<p>Sontiq utilizes technologies, policies, and procedures to provide comprehensive protection for all Sontiq systems and applications. Integrity and confidentiality of data is of the highest importance.</p>
<p>We use industry-standard safeguards to protect your information. While we make reasonable efforts to safeguard personal information once we receive it, the protection of your information cannot be guaranteed.</p>
<p>You are responsible for maintaining the confidentiality of any Password(s) and all activities that occur using your Password(s). You should notify us immediately of any unauthorized use of your Password or
accounts. Please contact us (see below) if you believe your Personal Information has been exposed.</p>
<h3 class="uc-bold">4.1 SOCIAL SECURITY, SOCIAL INSURANCE, AND NATIONAL IDENTITY NUMBERS</h3>
<p>Sontiq utilizes a formal privacy framework to address all aspects of privacy. The privacy framework is maintained and reviewed by our Chief Privacy Officer (CPO). Sontiq is constantly monitoring new legislation around
privacy and data security on the state, federal and international level to continue to ensure that Sontiq and our client institutions are following industry and regulatory best practices.</p>
<p>Sontiq maintains and enforces policies and physical and electronic safeguards to protect all unique identifiers (e.g. SSNs or SINs) against misuse and improper disclosure. Access to personal identifiers is limited to
personnel who need access to such information in order to perform their job functions.</p>
<h2 class="uc-bold h2-font" id="how-do-i-change-my-information-and-communications-preferences">5 How Do I Change My Information and Communications Preferences?</h2>
<p>You are responsible for the accuracy of the information you share with us. This information may be reviewed and updated through the</p>
<ul class="square-list">
<li>Site’s registration forms or</li>
<li>“Manage Account” tab on your account dashboard.</li>
</ul>
<p>You also may write to us directly to update or delete your contact information or to request that we stop sending you any form of communication. These requests should be sent to us by regular mail to:</p>
<p style="padding-left: 40px;"><strong>Sontiq</strong>
<br> Attn: Chief Privacy Officer <br> 9920 Franklin Square Drive <br> Suite 250 <br> Nottingham, MD, 21236 <br> USA
</p>
<p>We may ask you to provide additional information before making these changes. This may be done to verify your identity.</p>
<p>When you update your information, we will make good faith efforts to make the requested changes in our systems as soon as reasonably possible. We may need to retain prior information as business records in some situations.
</p>
<p>Please note that Sontiq is now a TransUnion company. To learn how TransUnion handles personal information about you and the rights you may have regarding your personal information, please visit the TransUnion Privacy Center
at <a href="http://www.transunion.com/privacy/transunion" target="_blank">www.transunion.com/privacy/transunion</a>.</p>
<p>If you want to submit a request to know, delete or opt-out, you can do so on TransUnion’s website at:
<a href="https://ezshield-my.sharepoint.com/personal/jeastman_sontiq_com/Documents/Desktop/Formal%20Legal%20Priv%20Docs%20and%20Archives/Privacy%20Notice/www.transunion.com/consumer-privacy" target="_blank">www.transunion.com/consumer-privacy</a>,
or by calling: 866-310-8783 between 8 am and 9 pm eastern time Monday through Friday or between 8 am and 5 pm eastern time Saturday or Sunday.</p>
<h3 class="uc-bold">5.1 Personal Information Requests</h3>
<p>With some restrictions, you may make requests of us with regard to your personal information. Please contact our Privacy Office, <a href="mailto:privacy@sontiq.com">privacy@sontiq.com</a>, with these requests.</p>
<p style="padding-left: 40px;"><strong>Access </strong>– You may request a copy of the personal information we hold about you. To see the information we hold, log in to your account and review the information from the Sontiq
member dashboard. You will not have to pay a fee to access your personal information in Sontiq-owned member dashboard(s) while your account is current (or to exercise any of the other rights). Please note that, for security,
we cannot provide your full Social Security Number or your full credit card numbers.</p>
<p style="padding-left: 40px;"><strong>Transfer </strong>– You may request we provide an electronic copy of the information you have provided to us to be shared in a format that may be sent to a third party.</p>
<p style="padding-left: 40px;"><strong>Correction </strong>– You may request that we modify any incomplete or inaccurate information we hold about you. To modify information we hold about you, log in to your account and update
the information in the Sontiq member dashboard.</p>
<p style="padding-left: 40px;"><strong>Erasure </strong>– You may request that we delete elements of your information. Please note that it is not always possible to completely remove all of your information from our systems.
This is often due to legal or regulatory requirements. Also, some data may remain on our backup media for a limited period of time.</p>
<p style="padding-left: 40px;"><strong>Restrict processing</strong> – You may request that we suspend the processing of your personal information. You may want to do this, for example, if you want us to verify the accuracy of
the information. Another example may be to ask us to confirm the reason the processing is occurring. You may do this by logging in to your account and removing your personal information from the Sontiq member dashboard. The
information may be restored at a later time.</p>
<p>You may change or cancel the marketing emails you currently receive from us by following the instructions found in our promotional emails. Please note that we will continue to send you communications about your account or
use of our Site. This includes administrative and Site announcements.</p>
<h3 class="uc-bold">5.2 Withdrawing consent</h3>
<p>In some very limited cases we process your Personal Information based upon your consent. You have the right to withdraw your consent for processing in these situations at any time.</p>
<p>To withdraw your consent, please log in to your account and delete the information from the Sontiq member dashboard.</p>
<h2 class="uc-bold h2-font" id="how-and-when-do-we-share-information-with-third-parties">6 How and When Do We Share Information with Third Parties?</h2>
<p>We may share Personal Information and other information with third-parties. This is done</p>
<ul class="square-list">
<li>based on your requests,</li>
<li>to provide service to you,</li>
<li>to protect the interests of Sontiq and others, and</li>
<li>in the event of a transfer of the business.</li>
</ul>
<p>We may also share your information with related companies. These include our parent company, our subsidiaries, and affiliates.</p>
<p>There are times when we share information in an anonymized or aggregate form with our partners. In these cases, the identity of the individual(s) whose information is shared cannot be directly discerned from the information
we provide.</p>
<p>All our third-party service providers and other entities in the group are required to take appropriate security measures to protect your personal information. We do not allow our third-parties to use your personal data for
their own purposes.</p>
<h3 class="uc-bold">6.1 Sharing based on your requests</h3>
<p>You may have an opportunity to receive information or marketing offers from third parties while on our Site. When this occurs, your Personal and other information may be shared to the third parties.</p>
<p>The following activities may be carried out by third-party service providers:</p>
<ul class="square-list">
<li>Name, address, date of birth, telephone number, email address monitoring</li>
<li>Social security number monitoring</li>
<li>Credit and credit score monitoring</li>
<li>Driver’s license number monitoring</li>
<li>Passport number monitoring</li>
<li>Medical account number monitoring</li>
<li>Credit card monitoring</li>
<li>Bank account monitoring</li>
<li>Monitoring bank and credit card transactions</li>
<li>Social media account monitoring</li>
<li>Court records monitoring</li>
<li>Payday loan monitoring</li>
<li>IT services</li>
</ul>
<p>Third parties may also store, collect, or have access to your information when you interact with them. This includes when you use third-party tools such as Facebook, Twitter, Pinterest or other posting or content sharing
tools.</p>
<p>In addition, we may provide interfaces or links to third party sites to help you send a message from the Site. For example, we may use third parties to send emails, tweets, or make Facebook postings. These third parties may
retain any information used or provided in any such communications.</p>
<p>When you send someone else a message from the Site, the information you provide, such as recipient names and email addresses, are used by Sontiq to send the communication and is not used by us for any other marketing
purpose unless we obtain consent from that recipient or we explicitly say otherwise.</p>
<p>By using these tools, you are subject to the third party’s privacy practices. We are not responsible for the privacy policies and practices of third parties. You should review each third-party’s privacy policies and
practices prior to using their services.</p>
<h3 class="uc-bold">6.2 Sharing to provide service to you</h3>
<p>We may use third-party vendors to perform certain services on our behalf. These services:</p>
<ul class="square-list">
<li>assist in the operation, design, and hosting of the site,</li>
<li>tracking activity on the site by collecting analytic information,</li>
<li>manage a database of customer information,</li>
<li>send you special offers,</li>
<li>perform administrative services,</li>
<li>provide credit report information, and</li>
<li>provide other services designed to assist us in maximizing our business potential.</li>
</ul>
<p>These vendors may have access to user information to carry out the services they are performing. This may include Device Identifiers and Personal Information which we provide to the vendors.</p>
<p>Third party analytics and other service providers use their own Tracking Technologies on your Device. These third parties may collect or have access to information about you. This may include Personal Information which we
do not provide. We are not responsible for the technologies or activities of these third parties. Some may offer you certain choices regarding their practices, and information of which we have been informed regarding such
choices is available <a href="https://www.sontiq.com/privacy-policy/#thirdparty-collecting-info" target="_blank">here</a>.</p>
<h3 class="uc-bold">6.3 Sharing to protect the interests of Sontiq and others</h3>
<p>We may use and share your information including Device Identifiers and Personal Information to third parties to:</p>
<ul class="square-list">
<li>satisfy any applicable law, regulation, subpoena, governmental request, or legal process if, in our good faith opinion, such is required or permitted by law,</li>
<li>protect and/or defend the
Site’s <a class="tnc-url" href="https://cigna.identityforce.com/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/TermsAndConditions/tabid/434/Default.aspx" target="_blank">Terms of Use </a>or other policies
applicable to the Site, including investigation of potential violations,</li>
<li>protect the safety, rights, property, or security of the Site or any third party,</li>
<li>to detect, prevent or otherwise address fraud, security, or technical issues, or</li>
<li>identify users to third parties to protect their interests subject to applicable law. By extension, this may include disclosure to law enforcement agencies.</li>
</ul>
<p>The previous disclosures may be made without our providing notice to you.</p>
<h3 class="uc-bold">6.4 Sharing in the event of a transfer of the business</h3>
<p>Sontiq may disclose and transfer your Personal and other information</p>
<ul class="square-list">
<li>to a subsequent owner, co-owner or operator of the Site or applicable database, or</li>
<li>in connection with a merger, consolidation, or restructuring, of our business,</li>
<li>in connection with the sale of substantially all our interests or assets, or</li>
<li>in connection with other corporate change.</li>
</ul>
<p>The above sharing may occur during the course of any due diligence process.</p>
<h3 class="uc-bold">6.5 Sharing for a sweepstakes, contest, or promotion</h3>
<p>We may offer sweepstakes, contests, and other promotions (any, a “Promotion”) through the Site that may require registration. When you participate in a Promotion you are agreeing to its official rules. The rules may include
requiring you to allow the Promotion’s sponsor to use your name, voice, or likeness in marketing efforts.</p>
<p>Personal Information may be shared with third parties and the public to manage a Promotion. This may occur during winner selection or prize fulfillment. Personal Information may also be made known as required by law or as
permitted by the Promotion’s official rules.</p>
<h2 class="uc-bold h2-font" id="how-is-your-information-used-for-advertising">7 How is your information used for advertising?</h2>
<p>Many companies serve advertisements across Internet sites. These companies include Sontiq as well as third parties such as network advertisers and ad exchanges. Third party analytics service providers may be used to
gauge the use of these ads on third party sites, the viewing of ads, and the viewing of our content. The advertisements presented may be based on your activities across the Internet and mobile media. These are called
“Behavioral Ads”.</p>
<p>Our third party network advertisers and ad exchanges may set and access their own technologies on your Device. This may include use of an identifier on your Device which may be a unique cookie or another form of unique
identifier. These third party technologies, combined with Personal Information we may provide, may</p>
<ul class="square-list">
<li>help deliver advertisements to you that might interest you,</li>
<li>prevent you from seeing the same advertisements repetitively,</li>
<li>recognize you across the Devices you use, and</li>
<li>understand the usefulness of the advertisements that have been delivered to you.</li>
</ul>
<p>This Privacy Notice does not apply to the collection or use of the information by these third parties. We have provided information about these third parties in the chart at the end of this Privacy Notice. You should review
their information processing practice policies.</p>
<h3 class="uc-bold">7.1 Advertising choices</h3>
<p>Some third parties may offer you certain choices regarding their Behavioral Ad practices. You may wish to visit a site provided by the Network Advertising Initiative (NAI).
<a href="https://optout.networkadvertising.org/?c=1" target="_blank" rel="noopener noreferrer">https://optout.networkadvertising.org/?c=1</a> shares information on the choices provided by NAI members. This includes how
to “opt-out” of members’ advertising.</p>
<p>You may wish to visit a site provided by the Digital Advertising Alliance (DAA).
<a href="https://optout.aboutads.info/?c=2&lang=EN" target="_blank" rel="noopener noreferrer">https://optout.aboutads.info/?c=2&lang=EN</a> shares information on the choices provided by DAA participants. This
includes how to “opt-out” of their advertising.</p>
<p>We are not responsible for effectiveness of or compliance with any third parties’ opt-out options or programs.</p>
<h2 class="uc-bold h2-font" id="third-party-content-links-to-sites-and-or-apps">8 Does Third-Party Content, Links to Sites, and/or Apps Appear on the Site?</h2>
<p>The Site may contain content, links, or applications that are supplied by a third party. These third parties may collect Usage Information and your Device Identifier for their own commercial purposes. In some cases, you may
be directed to other sites and applications that are operated by third parties that we do not control. These third parties may have their own terms of service, privacy policies, or other policies. We are not responsible for
the practices employed by these third parties.</p>
<p>For example, if you “click” on a link you may be taken off the Site onto a different Internet location. These other online services may track your activities, collect information about you, and may or may not have their own
published privacy policies. We are not responsible for practices of these third parties.</p>
<p>We encourage you to review any available policies before using third party applications. Exercise caution in connection with these applications</p>
<h2 class="uc-bold h2-font" id="how-is-childrens-information-processed">9 How is children’s information processed?</h2>
<p>We understand the importance of protecting the privacy of children. The Site is not intended for use by children under the age of thirteen (13). Sontiq does not knowingly collect Personal Information from children.</p>
<p>If you believe your child has provided personal information without your consent, we will dispose of it as per applicable law. Simply contact us at <a href="mailto:privacy@sontiq.com">privacy@sontiq.com</a> to let us know
of the situation.</p>
<h2 class="uc-bold h2-font" id="about-changes-to-the-privacy-policy">10 About Changes to the Privacy Notice?</h2>
<p>This Privacy Notice may change at any time. A new revision of this Privacy Notice will be reflected by a change in the Effective Date. Any changes will be effective as of that Effective Date.</p>
<p>We will not use your previously collected Personal Information in a way that is significantly different than stated in the Privacy Notice which was effective on the date the information was collected. However, we may
request your consent for any new uses.</p>
<h2 class="uc-bold h2-font" id="who-do-i-contact-with-questions-and-concerns">11 Who do I contact with questions and concerns?</h2>
<p>If you have any questions about this Privacy Notice or our practices, please contact us.</p>
<p>Postal Mail:</p>
<p style="padding-left: 40px;"><strong>Sontiq</strong>
<br> Attn: Privacy Officer <br> 9920 Franklin Square Drive <br> Suite 250 <br> Nottingham, MD, 21236 <br> USA
</p>
<p>Email: <br> <a href="mailto:privacy@Sontiq.com">privacy@sontiq.com</a></p>
<p>Telephone Number: <br> From within the U.S: 888-6-SONTIQ or (888) 676-6847</p>
<p>From outside the U.S.: 01 (<a href="tel:5086448726">508) 644-8726</a></p>
<p>We may need to request specific information from you to help us confirm your identity. We do this to ensure that your Personal Information is not disclosed inappropriately.</p>
<p>Sontiq is now a TransUnion company. To learn how TransUnion handles personal information about you and the rights you may have regarding your personal information, please visit the TransUnion Privacy Center at
<a href="http://www.transunion.com/privacy/transunion" target="_blank">www.transunion.com/privacy/transunion</a>.</p>
<p>If you want to submit a request to know, delete or opt-out, you can do so on TransUnion’s website at:
<a href="https://ezshield-my.sharepoint.com/personal/jeastman_sontiq_com/Documents/Desktop/Formal%20Legal%20Priv%20Docs%20and%20Archives/Privacy%20Notice/www.transunion.com/consumer-privacy" target="_blank">www.transunion.com/consumer-privacy</a>,
or by calling: 866-310-8783 between 8 am and 9 pm eastern time Monday through Friday or between 8 am and 5 pm eastern time Saturday or Sunday.</p>
<h2 class="uc-bold h2-font" id="is-there-any-jurisdictional-specific-information">12 Is there any jurisdictional specific information?</h2>
<h3 class="uc-bold">12.1 European Union</h3>
<p>Our privacy practices as required under the European Union General Data Protection Regulation (“GDPR”) have been incorporated into this notice.</p>
<h3 class="uc-bold">12.1.1 Legal Basis for Processing</h3>
<p>A legal basis for processing Personal Information is required under GDPR.</p>
<ul class="square-list">
<li>We are fulfilling a contract when</li>
<li>Sontiq monitors your personal information and sends alerts, or</li>
<li>we process payments, or</li>
<li>preventing fraudulent access to your accounts.</li>
<li>We are meeting the legitimate interests of our business when</li>
<li>we contact you regarding new products and services, or</li>
<li>we capture analytic information to improve or personalize our products, services, and website, or</li>
<li>preventing fraudulent use of our services.</li>
<li>We are addressing our legal obligations when reporting income and related information to tax authorities.</li>
</ul>
<h3 class="uc-bold">12.1.2 Objection to processing</h3>
<p>You may object to the processing of your Personal Information. This may be done if you feel it is inappropriate for Sontiq to rely on legitimate interest as a legal basis for processing. When you object, we will limit the
processing of your information. Once the objection is resolved, we will either resume processing or delete the personal information as appropriate. Please email <a href="mailto:privacy@sontiq.com">privacy@sontiq.com</a> to
object to processing.</p>
<h3 class="uc-bold">12.1.3 Transfer of Personal Information Outside of the EU</h3>
<p>Sontiq utilizes <a href="https://www.sontiq.com/wp-content/uploads/2020/12/Sontiq-Standard-Contractual-Clauses.pdf" target="_blank" rel="noopener noreferrer">Standard Contractual Clauses</a> for the transfer of information
outside of the EU. This participation applies to all personal data that is received from EU residents. This personal data is also subject to this Privacy Notice.</p>
<h3 class="uc-bold">12.1.4 Registering a Complaint</h3>
<p>There may be times when you have a concern about the processing of your Personal Information. We ask that you please contact the Sontiq Privacy Officer at these times as detailed above.</p>
<p>If you remain dissatisfied, then you have the right to apply directly to the UK Data Protection Authority:</p>
<p>Postal Mail:</p>
<p style="padding-left: 40px;">Information Commissioner’s Office <br> Wycliffe House <br> Water Lane <br> Wilmslow <br> Cheshire <br> SK9 5AF <br> England</p>
<p>Website: <br> <a href="https://ico.org.uk/global/contact-us/" target="_blank" rel="noopener noreferrer">https://ico.org.uk/global/contact-us/</a></p>
<p>Telephone Number: <br> +440303 123 1113</p>
<h2 class="uc-bold h2-font">12.2 California</h2>
<h3 class="uc-bold">12.2.1 California Consumer Protection Act</h3>
<p>For information on the California Consumer Protection Act (“CCPA”), please see our <a href="https://www.sontiq.com/ccpa-addendum/" target="_blank">CCPA Addendum</a>.</p>
<p>Please also note that Sontiq is now a TransUnion company. To exercise your CCPA personal data rights with TransUnion, please click <a href="https://www.transunion.com/consumer-privacy" target="_blank">here.</a></p>
<h3 class="uc-bold">12.2.2 Information Sharing</h3>
<p>Your information may be shared with third parties for their direct marketing purposes. California residents may receive information about our sharing of personal information for these purposes. This information includes</p>
<ul class="square-list">
<li>the categories of personal information shared by us, and</li>
<li>the names and addresses of all third parties that received personal information for their direct marketing purposes from us.</li>
</ul>
<p>The information provided is for the immediately prior calendar year.</p>
<p>To make such a request (limit one request per year), please</p>
<p>send an email to <a href="mailto:privacy@Sontiq.com">privacy@sontiq.com</a> with “California Privacy Rights” as the subject line or</p>
<p>send postal mail to</p>
<p style="padding-left: 40px;"><strong>Sontiq</strong>
<br> 9920 Franklin Square Drive <br> Suite 250 <br> Nottingham, MD, 21236
</p>
<p>You must include your full name, email address, and your current California postal address in your request.</p>
<p> </p>
<hr>
<p><strong data-redactor-tag="strong"><a name="thirdparty-collecting-info"></a>Third Parties Collecting Information</strong></p>
<p>The following third parties that collect information from you on the Site have given us notice that you may obtain information on their policies and practices, and in some instances opt-out of certain of their activities,
as follows:</p>
<table style="width: 90%; height: 408px;">
<caption>Third Parties Collecting Information</caption>
<thead>
<tr style="height: 24px;">
<th style="height: 24px;" scope="col">Party</th>
<th style="height: 24px;" scope="col">Service</th>
<th style="height: 24px;" scope="col">For More Information</th>
<th style="height: 24px;" scope="col">Use of Tracking Technologies</th>
<th style="height: 24px;" scope="col">Privacy Choices</th>
</tr>
</thead>
<tbody>
<tr style="height: 24px;">
<td style="height: 24px;" data-label="Account">Google Adwords</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://support.google.com/ads/answer/2662922?hl=en" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.google.com/settings/u/0/ads/authenticated" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Account">Google Analytics</td>
<td style="height: 24px;" data-label="Due Date">Analytics</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://support.google.com/analytics/answer/6004245?hl=en" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="https://tools.google.com/dlpage/gaoptout" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Account">Doubleclick</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.google.com/policies/privacy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.google.com/policies/privacy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Kissmetrics</td>
<td style="height: 24px;" data-label="Due Date">Analytics</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.kissmetrics.io/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.kissmetrics.io/privacy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Lucky Orange</td>
<td style="height: 24px;" data-label="Due Date">Analytics</td>
<td style="height: 24px;" data-label="Amount">View <a href="http://www.luckyorange.com/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="http://www.luckyorange.com/privacy.php" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Optimizely</td>
<td style="height: 24px;" data-label="Due Date">Analytics</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.optimizely.com/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.optimizely.com/opt_out/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Bing Ads</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://privacy.microsoft.com/en-us/privacystatement" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View
<a href="https://advertise.bingads.microsoft.com/en-us/resources/policies/opt-out-of-the-bing-ads-optimization-program" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">ScoreCard</td>
<td style="height: 24px;" data-label="Due Date">Analytics</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.scorecardresearch.com/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.scorecardresearch.com/privacy.aspx?&newlanguage=1" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Marketo (Adobe)</td>
<td style="height: 24px;" data-label="Due Date">Inbound Marketing</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.marketo.com" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">Yes</td>
<td style="height: 24px;" data-label="Period">View <a href="https://documents.marketo.com/legal/use-policy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Hubspot</td>
<td style="height: 24px;" data-label="Due Date">Inbound Marketing</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.hubspot.com" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">No</td>
<td style="height: 24px;" data-label="Period">View <a href="https://legal.hubspot.com/privacy-policy" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">AdRoll</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.adroll.com/about/privacy" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">No</td>
<td style="height: 24px;" data-label="Period">View <a href="https://app.adroll.com/optout/safari" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Rubicon</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="http://rubiconproject.com/privacy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">No</td>
<td style="height: 24px;" data-label="Period">View <a href="http://rubiconproject.com/privacy/consumer-online-profile-and-opt-out/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">OpenX</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="http://openx.com/legal/privacypolicy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">No</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.openx.com/legal/interest-based-advertising/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Pubmatic</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://pubmatic.com/legal/privacy-policy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">No</td>
<td style="height: 24px;" data-label="Period">View <a href="https://pubmatic.com/legal/pubmatic-opt-out/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Quantcast</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://www.quantcast.com/privacy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">No</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.quantcast.com/opt-out/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
<tr style="height: 24px;">
<td style="height: 24px;" scope="row" data-label="Acount">Verizon Media | Yahoo Ad Exchange</td>
<td style="height: 24px;" data-label="Due Date">Advertising</td>
<td style="height: 24px;" data-label="Amount">View <a href="https://policies.yahoo.com/us/en/yahoo/privacy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
<td style="height: 24px;" data-label="Period">No</td>
<td style="height: 24px;" data-label="Period">View <a href="https://www.verizon.com/about/privacy/" target="_blank" rel="noopener noreferrer"><u data-redactor-tag="u">here</u></a>.</td>
</tr>
</tbody>
</table>
<p> </p>
<p>PLEASE NOTE: We are not responsible for third-party policies or practices. We try to keep this information current, and will add to and subtract from the chart above as appropriate, but it is provided as a courtesy and may
not be current or accurate. Please contact the relevant third parties regarding their privacy and data security policies and practices.</p>
</section>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<!--Common EU-US Privacy Policy Popup -->
<div class="popup2Shell popupEUUSPrivacyPolicy medium">
<div class="popup2Container">
<h1 class="popup2Header">EU-US Privacy Shield Privacy Policy</h1>
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn">
<img src="/Partner/_Default/modal_close_btn.png" alt=""></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div id="dnn_skinFooter_LegalContentTermsCondition_divEUUSPrivacyPolicy" class="popup2ContentInner">
<div class="content_container_gradient">
<div class="content_container_gradient_fade leading_1 relative">
<div class="pdfPrint_icons">
<a href="javascript:window.print();"> <img src="/Partner/_Default/printer_icon.gif" alt="Print this Page"> </a>
</div>
<div class="cr">
</div>
<div id="printEUPP">
<h2 id="eu_us_policyHeader">EU-US PRIVACY SHIELD PRIVACY POLICY</h2>
<p>EZShield, Inc. provides identity theft, privacy and credit protection solutions to consumers, businesses and government agency clients including within the European Economic Area (EEA) (which includes the twenty-eight member
states of the European Union (EU) plus Iceland, Liechtenstein and Norway). We may request, gather and store personal information from individuals (our “members”) in connection with the service we provide to them.</p>
<p>EZShield, Inc. will collect from its members their full name and address; email address; telephone contact numbers; other contact details as relevant for smart phone, tablet and computer; bank or other financial account and
related credit card information to enable EZShield, Inc. to keep a constant review on its’ members identity, privacy and credit in order to detect the possible illegal selling or use of a member’s personal, financial and credit
information and to alert its members and their bank and/or other financial institution once any such possible illegal selling or use is detected. </p>
<p>EZShield, Inc. complies with the EU-US Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries. EZShield,
Inc. has certified that it adheres to the Privacy Shield Principles of Notice, Choice, Accountability for Onward Transfer, Security, Data Integrity and Purpose Limitation, Access, and Recourse, Enforcement and Liability. If
there is any conflict between the policies in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern.</p>
<p>To learn more about the Privacy Shield program, and to view our certification page, please visit <a href="http://www.privacyshield.gov" target="_blank">http://www.privacyshield.gov</a></p>
<p>EZShield, Inc. respects individual privacy and values the confidence of its clients, their employees (our members), our business partners/service providers and others. Not only do we strive to store personal information in a
manner consistent with the laws of the countries in which we do business, but we also have a tradition of upholding the highest ethical standards in our business practices. EZShield, Inc. is subject to the investigatory and
enforcement policies of the Federal Trade Commission. This US-EU Privacy Shield Privacy Policy (the “Policy”) sets forth the privacy principles EZShield, Inc. follows with respect to transfers of personal information from the
EEA to the United States.</p>
<h3>EU-US PRIVACY SHIELD</h3>
<p>The United States Department of Commerce and the European Commission have agreed on a set of data protection principles and frequently asked questions to enable U.S. companies to satisfy the requirement under European Union law
that adequate protection be given to personal information transferred from the EEA to the United States (the “EU-US Privacy Shield”). The EEA also has recognized the EU-US Privacy Shield as providing adequate data protection
(Directive 95/46/EC). Consistent with our commitment to protect personal privacy, EZShield, Inc. adheres to the principles set forth in the EU-US Privacy Shield (the “EU-US Privacy Shield Principles”).</p>
<h3>SCOPE</h3>
<p>This EU-US Privacy Shield Privacy Policy (the “Policy”) applies to all personal information received by EZShield, Inc. in the United States from the EEA, in any format, including electronic, paper or verbal.</p>
<h3>DEFINITIONS</h3>
<p>For purposes of this Policy, the following definitions shall apply:</p>
<p>“Agent” means any third party that collects or uses personal information under the instructions of, and solely for, EZShield, Inc.</p>
<p>“Client” means any customer of EZShield, Inc, located in the EEA, for whose employees (“members”) we provide identity theft, privacy and credit protection solutions through our servers in the United States.</p>
<p>“Members” means those employees of our clients for whom we provide the identity theft, privacy and credit protection solutions referred to above and also any third-party consumers who may independently purchase any of these
solutions through our website.</p>
<p>“EZShield, Inc.” means EZShield, Inc., its predecessors, successors, subsidiaries, divisions and groups in the United States.</p>
<p>“Personal information” means any information or set of information that identifies or could be used by or on behalf of EZShield, Inc. to identify an individual. Personal information does not include information that is encoded
or anonymized, or publicly available information that has not been combined with non-public personal information.</p>
<h3>PRIVACY PRINCIPLES</h3>
<h4>NOTICE:</h4>
<p>Where EZShield, Inc. receives, stores, or processes personal information directly from individuals (members) in the EEA, we will use and disclose such information only if consistent with the EU-US Privacy Shield Principles, and
the choices made by the individuals to whom such personal information relates.</p>
<h4>CHOICE:</h4>
<p>EZShield, Inc. will offer individuals (members) the opportunity to choose (opt-out) whether their personal information is (a) to be disclosed to a third party, or (b) to be used for a purpose other than the purpose for which it
was originally collected or subsequently authorized by the individual. EZShield, Inc. will provide individuals with reasonable mechanisms to exercise their choices.</p>
<h4>ACCOUNTABILITY FOR ONWARD TRANSFER:</h4>
<p>EZShield, Inc. does not transfer data to third parties outside of its agents. EZShield, Inc. will obtain assurances from its agents that they will safeguard personal information consistently with this Policy. Examples of
appropriate assurances that may be provided by agents include: a contract obligating the agent to provide at least the same level of protection as is required by the relevant EU-US Privacy Shield Principles, being subject to EU
Directive 95/46/EC (the EU Data Protection Directive), EU-US Privacy Shield certification by the agent, or being subject to another European Commission adequacy finding (e.g., companies located in Canada). Where EZShield, Inc.
has knowledge that an agent is using or disclosing personal information in a manner contrary to this Policy, EZShield, Inc. will take reasonable steps to prevent or stop the use or disclosure. EZShield, Inc. is liable for
appropriate onward transfers of personal data to third parties who do not comply with the Privacy Shield principles.</p>
<p>Please be aware that EZShield, Inc. may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.
</p>
<h4>SECURITY:</h4>
<p>EZShield, Inc. will take reasonable precautions to protect personal information in its possession from loss, misuse and unauthorized access, disclosure, alteration and destruction.</p>
<h4> DATA INTEGRITY AND PURPOSE LIMITATION:</h4>
<p>EZShield, Inc. may use personal information provided by individuals (members) but only in ways that are compatible with the purposes for which it was collected or subsequently authorized by the individual. EZShield, Inc. will
take reasonable steps to ensure that personal information collected is relevant to its intended use.</p>
<h4> ACCESS AND RECOURSE:</h4>
<p> EU Individuals have the right to access their personal information. Upon request, EZShield, Inc. will grant individuals access to personal information that it holds about them. In addition, EZShield, Inc. will take reasonable
steps to permit individuals to correct, amend, or delete information that is demonstrated to be inaccurate or incomplete.</p>
<h4>ENFORCEMENT AND LIABILITY:</h4>
<p>EZShield, Inc. will conduct compliance audits of its relevant privacy practices to verify adherence to this Policy. Any employee that EZShield, Inc. determines is in violation of this policy will be subject to disciplinary
action up to and including termination of employment.</p>
<h4>DISPUTE RESOLUTION:</h4>
<p>Any questions or concerns regarding the use or disclosure of personal information should be directed to EZShield, Inc. at the address given below. EZShield, Inc. will investigate and attempt to resolve complaints and disputes
regarding use and disclosure of personal information by reference to the principles contained in this Policy. For complaints that cannot be resolved between EZShield, Inc. and the complainant, EZShield, Inc. has agreed to
participate in the dispute resolution procedures of the panel established by the EU data protection authorities (DPAs) to resolve disputes pursuant to the EU-US Privacy Shield Principles. A resident of the European Union (EU)
whose enquiry has not been satisfactorily addressed may contact either the EU DPAs panel by email to <a href="mailto:ec-dppanel-secr@ec.europa.eu">ec-dppanel-secr@ec.europa.eu </a> or individual EU DPAs using the information
provided at <a href="http://ec.europa.eu/justice/data-protection/bodies/index_en.htm" target="_blank">http://ec.europa.eu/justice/data-protection/bodies/index_en.htm</a> to resolve disputes pursuant to the EU-US Privacy Shield
Principles.</p>
<p>Finally, as a last resort and in limited situations, EU individuals may seek redress from the Privacy Shield Panel, a binding arbitration mechanism.</p>
<p>The services of the EU DPAs panel are provided at no cost to you.</p>
<h4>LIMITATION ON APPLICATION OF PRINCIPLES:</h4>
<p>Adherence by EZShield, Inc. to these EU-US Privacy Shield Principles may be limited (a) to the extent required to respond to a legal or ethical obligation; (b) to the extent necessary to meet national security, public interest
or law enforcement obligations; (c) to the extent expressly permitted by an applicable law, rule or regulation; and (d) to the extent that EZShield, Inc. has limited or no control over the actions of the individuals (members)
who have provided personal information.</p>
<h3>INTERNET PRIVACY</h3>
<p>EZShield, Inc. recognizes the importance of maintaining the privacy of information collected online and has created a specific Internet Privacy Policy (the “IPP”) governing the treatment of personal information collected. With
respect to personal information that is transferred from the European Economic Area to the U.S., the IPP is subordinate to this Policy. EZShield, Inc.’s Internet Privacy Policy can be found at:
<a href="/Default.aspx?tabname=PrivacyPolicy" id="test" target="_blank">PrivacyPolicy</a>
</p>
<h3>CONTACT INFORMATION</h3>
<p>Questions or comments regarding this Policy should be submitted to EZShield, Inc. by mail to:</p>
<p>EZShield, Inc.<br> 9920 Franklin Square Drive, Suite 250<br> Nottingham, MD 21236<br> Phone: <span name="phone_number"><a href="tel:1-833-580-2523">1-833-580-2523 </a></span><br> (Attn: Privacy Officer) <br> Or by e-mail to
<a href="mailto:privacy@sontiq.com">privacy@sontiq.com</a>
</p>
<h3>CHANGES TO THIS EU-US PRIVACY SHIELD PRIVACY POLICY</h3>
<p> This Policy may be amended from time to time, consistent with the requirements of the EU-US Privacy Shield Principles. A notice will be posted on the EZShield, Inc. web site
(<a href="https://www.goezshield.com" target="_blank">http://www.goezshield.com</a>) for 60 days whenever this EU-US Privacy Shield Privacy Policy is changed in a material way.</p>
<h3>EFFECTIVE DATE:</h3>
<p>August 13th, 2019</p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<!--Common EU-GDPR Notice -->
<div class="popup2Shell popupEUGDPRNotice medium">
<div class="popup2Container">
<h1 class="popup2Header">EU GDPR Fair Processing Notice</h1>
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn">
<img src="/Partner/_Default/modal_close_btn.png" alt=""></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div id="dnn_skinFooter_LegalContentTermsCondition_divEUGDPRNotice" class="popup2ContentInner">
<div class="content_container_gradient">
<div class="content_container_gradient_fade leading_1 relative">
<div class="pdfPrint_icons">
<a href="javascript:window.print();" target="_blank"> <img src="/Partner/_Default/printer_icon.gif" alt="Print this Page"> </a>
</div>
<div class="cr">
</div>
<div id="printGDPR">
<h2 id="eu_gdprNotice">EU GDPR FAIR PROCESSING NOTICE</h2>
<p><i>This EU GDPR Fair Processing Notice was last revised on June 25th, 2019.</i></p>
<h3>INTRODUCTION</h3>
<p>Sontiq, Inc., ‘the Company’, is committed to protecting the privacy and security of your personal information.</p>
<p>This privacy notice describes how we collect and use personal information about you during and after your working relationship with us, in accordance with the EU General Data Protection Regulation (GDPR). It applies to all
members, not just those residents in the European Union.</p>
<p>Sontiq, Inc. is a “data controller”. This means that we are responsible for deciding how we hold and use personal information about you. We are required under GDPR to notify you of the information contained in this privacy
notice.</p>
<p>This notice does not form part of any contract to provide services. We may update this notice at any time.</p>
<p>It is important that you read this notice, together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal information about you, so that you are aware of how and why we
are using such information.</p>
<h3>CONTACT DETAILS</h3>
<p>We have appointed a Privacy Officer to oversee compliance with this privacy notice. If you have any questions about this privacy notice or how we handle your personal information, please contact the Privacy Officer at the
following email address: <a href="mailto:privacy@sontiq.com">privacy@sontiq.com</a> or by mail to Sontiq Inc., 9920 Franklin Square Drive, Suite 250, Nottingham, MD, 21236, USA. Attn: Privacy Officer. </p>
<h3>DATA PROTECTION PRINCIPLES</h3>
<p>When we process your personal data, we will always apply the core principles of the GDPR to ensure it is: </p>
<ul class="ul-GDPR">
<li>Used lawfully, fairly and in a transparent way.</li>
<li>Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes.</li>
<li>Relevant to the purposes we have told you about and limited only to those purposes.</li>
<li>Accurate as updated by you from time to time.</li>
<li>Kept only as long as necessary.</li>
<li>Kept securely.</li>
</ul>
<br>
<h3>YOUR DATA</h3>
<p>In this section we outline the purposes for which we may process your data. For each ‘purpose’ we also list the types of data we may process and our legal basis for the processing it.</p>
<table cellpadding="0" cellspacing="0" class="table-GDPR">
<tbody>
<tr>
<td>Monitor / Inform / Alert</td>
<td>
<p>Sontiq monitors your personal information and sends alerts as described on our web site. This includes:</p>
<ul class="ul-GDPR">
<li>Advanced Fraud</li>
<li>Bank and Credit Card Activity</li>
<li>Change of Address</li>
<li>Court Record</li>
<li>Credit Report</li>
<li>Dark Web</li>
<li>Payday Loan</li>
<li>Sex Offender</li>
<li>Smart SSN Tracker</li>
<li>Social Media Identity</li>
</ul>
</td>
</tr>
<tr>
<td>Types of personal data processed</td>
<td>
<ul class="ul-GDPR">
<li>Personal contact details: name, address, telephone, email address, US social security number, US driver’s license number, US passport number, US medical account numbers, US bank and credit card numbers, bank and
credit card credentials, and social media credentials.</li>
</ul>
</td>
</tr>
<tr>
<td>Lawful basis for processing personal data</td>
<td>
<ul class="ul-GDPR">
<li>To safeguard the security of your personal information as it pertains to fraud (applying GDPR Art 6.1f – a legitimate interest)</li>
<li>To be able to contact you regarding our relationship (applying GDPR Art 6.1f – a legitimate interest)</li>
<li>To complete the agreed upon services you’ve contracted Sontiq to perform on your behalf (applying GDPR Art 6.1b – necessary for the performance of a contract)</li>
</ul>
</td>
</tr>
<tr>
<td>Financial</td>
<td>
<ul class="ul-GDPR">
<li>Processing payments you make to Sontiq</li>
<li>Filing reports with the tax and social security authorities</li>
</ul>
</td>
</tr>
<tr>
<td>Types of personal data processed</td>
<td>
<ul class="ul-GDPR">
<li>Name, credit card number, credit card expiration date, credit card CVV code, US zip code</li>
</ul>
</td>
</tr>
<tr>
<td>Lawful basis for processing personal data</td>
<td>
<ul class="ul-GDPR">
<li>To process any payment made between yourself and Sontiq (applying GDPR Art 6.1b – necessary for the performance of a contract)</li>
<li>To report any income to the tax authorities pertaining to payments made to Sontiq (applying GDPR Art 6.1c – compliance with a legal obligation)</li>
</ul>
</td>
</tr>
<tr>
<td>Marketing and Corporate</td>
<td>
<ul class="ul-GDPR">
<li>Contacting you regarding new products and services</li>
<li>Internal reporting and analytics</li>
</ul>
</td>
</tr>
<tr>
<td>Types of personal data processed</td>
<td>
<ul class="ul-GDPR">
<li>Email address, phone number, mailing address (including city and state)</li>
</ul>
</td>
</tr>
<tr>
<td>Lawful basis for processing personal data</td>
<td>
<ul class="ul-GDPR">
<li>To promote the services/products of the organization (applying GDPR Art 6.1f – a legitimate interest)</li>
<li>To document utilization of goods and services (applying GDPR Art 6.1f – a legitimate interest)</li>
</ul>
</td>
</tr>
</tbody>
</table>
<h3>DO WE NEED YOUR CONSENT?</h3>
<p>Under the GDPR consent is not considered a lawful basis for processing in situations where there is an imbalance in power – such as employment. Therefore, instead of seeking your consent we are required to apply one of the
other legal bases – those outlined in Article 6 of the GDPR– namely:</p>
<ul class="ul-GDPR">
<li>To perform our contract with you,</li>
<li>To enable us to comply with legal obligations, and</li>
<li>Using your personal information to pursue legitimate interests of our own provided your interests and fundamental rights do not override those interests.</li>
</ul>
<br>
<p>For each of our processing activities listed in the tables above we have also detailed the legal basis that allows us to process your data.</p>
<h3>IF YOU FAIL TO PROVIDE PERSONAL INFORMATION</h3>
<p>If you fail to provide certain information when requested, we may not be able to provide part of our service to you (such as monitoring your credit card for unlawful activity), or we may be prevented from complying with our
legal obligations.</p>
<h3>CHANGE OF PURPOSE</h3>
<p>We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need
to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.</p>
<p>Please note that we may process your personal information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.</p>
<h3>WILL YOUR PERSONAL DATA BE SUBJECTED TO AUTOMATED DECISION MAKING?</h3>
<p>Automated decision-making takes place when an electronic system uses personal information to make a decision without human intervention. We are allowed to use automated decision-making in the following circumstances:</p>
<ul class="ul-GDPR">
<li>Where we have notified you of the decision and given you 21 days to request a reconsideration.</li>
<li>Where it is necessary to perform the contract with you and appropriate measures are in place to safeguard your rights.</li>
<li>In limited circumstances, with your explicit written consent and where appropriate measures are in place to safeguard your rights.</li>
</ul>
<br>
<h3>DATA SHARING</h3>
<p>We may have to share your data with third parties, including third-party service providers and other entities in the group. We require third parties to respect the security of your data and to treat it in accordance with the
law. We will transfer your personal information outside the EU. If we do, you can expect a similar degree of protection in respect of your personal information.</p>
<h3>THIRD PARTIES</h3>
<p>We may share your personal information with third parties where required by law, where it is necessary to administer the working relationship with you or where we have another legitimate interest in doing so. ‘Third parties’
includes third-party service providers (including contractors and designated agents) and other entities within our group.</p>
<p>The following activities may be carried out by third-party service providers:</p>
<ul class="ul-GDPR">
<li>Name, address, date of birth, telephone number, email address monitoring</li>
<li>Social security number monitoring</li>
<li>Credit and credit score monitoring</li>
<li>Driver’s license number monitoring</li>
<li>Passport number monitoring</li>
<li>Medical account number monitoring</li>
<li>Credit card monitoring</li>
<li>Bank account monitoring</li>
<li>Monitoring bank and credit card transactions</li>
<li>Social media account monitoring</li>
<li>Court records</li>
<li>Payday loan monitoring</li>
<li>IT services</li>
</ul>
<br>
<p>We will share your personal information with other entities in our group as part of our regular reporting activities on company performance, in the context of a business reorganization or group restructuring exercise, for
system maintenance support and hosting of data.</p>
<p>We may share your personal information with other third parties, for example in the context of the possible sale or restructuring of the business. We may also need to share your personal information with a regulator or to
otherwise comply with the law.</p>
<p>All our third-party service providers and other entities in the group are required to take appropriate security measures to protect your personal information in line with our policies. We do not allow our third-party service
providers to use your personal data for their own purposes. We only permit them to process your personal data for specified purposes, in accordance with our instructions and under the terms of a data processing agreement.</p>
<h3>TRANSFERRING INFORMATION OUTSIDE OF THE EU</h3>
<p>We will transfer the personal information we collect about you to countries outside the European Economic Area in order to perform our contract with you.</p>
<p>There is not an adequacy decision by the European Commission in respect of these countries, which means they are not deemed to provide an adequate level of protection for your personal information.</p>
<p>However, to ensure that your personal information does receive an adequate level of protection we have enrolled in the EU-US Privacy Shield to ensure that your personal information is treated by those third parties in a way
that is consistent with and which respects the laws on data protection.</p>
<p>You can contact us if you require further information about these protective measures.</p>
<h3>THE PERIOD FOR WHICH DATA IS STORED</h3>
<p>We will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the
appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which
we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements. </p>
<p>In some circumstances we may anonymize your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you. Once you are no longer a member we will
retain and securely destroy your personal information in accordance with our data retention policy and/or applicable laws and regulations. </p>
<h3>DATA SECURITY</h3>
<p>We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal
information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information on our instructions and they are subject to a duty of
confidentiality. </p>
<p>We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so. </p>
<h3>YOUR RIGHTS</h3>
<p>Under certain circumstances, by law you have the right to:</p>
<ul class="ul-GDPR">
<li><strong>Request access</strong> to your personal information (commonly known as a “data subject access request”). This enables you to receive a copy of the personal information we hold about you and to check that we are
lawfully processing it. You may do this by logging in to your account and reviewing the information from the Sontiq member dashboard. Please note that, for security, we cannot provide your full Social Security Number or your
full credit card numbers.</li>
<li><strong>Request correction</strong> of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected. You may do this by logging in to your
account and updating the information in the Sontiq member dashboard.</li>
<li><strong>Request erasure</strong> of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. You also have the right to ask
us to delete or remove your personal information where you have exercised your right to object to processing (see below). Please note that we cannot provide monitoring or alerting services on personal information that you have
chosen not to supply or to delete.</li>
<li><strong>Object to processing</strong> of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to
object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.</li>
<li><strong>Request the restriction of processing</strong> of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its
accuracy or the reason for processing it. You may do this by logging in to your account and temporarily removing such personal information from the Sontiq member dashboard.</li>
<li><strong>Request the transfer</strong> of your personal information to another party.</li>
</ul>
<br>
<p>If you want to review, verify, correct or request erasure of your personal information, object to the processing of your personal data, or request that we transfer a copy of your personal information to another party, please
send an email to the Privacy Officer at <a href="mailto:privacy@sontiq.com">privacy@sontiq.com</a>.</p>
<p>As stated above the processing of your personal data is based on legal basis other than your consent, however in the very limited circumstances where you may have provided your consent to the collection, processing and transfer
of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please log in to your account and delete the information from
the Sontiq member dashboard. If you require assistance with this, please contact our Member Services team, under the EZShield brand, by sending an email to <a href="mailto:cigna@identityforce.com">cigna@identityforce.com</a> or
by calling 877-694-3367. If you have any problems deleting your information, please send an email to the Privacy Officer at <a href="mailto:privacy@sontiq.com">privacy@sontiq.com </a>. Once we have received notification that you
have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.</p>
<h3>NO FEE USUALLY REQUIRED</h3>
<p>You will not have to pay a fee to access your personal information in Sontiq-owned member dashboard, under either the EZShield brand, while your account is current (or to exercise any of the other rights).</p>
<h3>WHAT WE MAY NEED FROM YOU</h3>
<p>We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to
ensure that personal information is not disclosed to any person who has no right to receive it.</p>
<h3>RAISING A COMPLAINT</h3>
<p>If you are unhappy with the way in which your personal data has been processed, you may in the first instance contact the Company’s Privacy Officer using the contact details above.</p>
<p>If you remain dissatisfied, then you have the right to apply directly to the UK Data Protection Authority for a decision – contact details below:</p>
<ul style="margin-left: 7%; list-style: none;">
<li>Information Commissioner’s Office</li>
<li>Wycliffe House</li>
<li>Water Lane</li>
<li>Wilmslow</li>
<li>Cheshire</li>
<li>SK9 5AF</li>
<li>England</li><br>
<li><a href="https://ico.org.uk/global/contact-us/" target="_blank">https://ico.org.uk/global/contact-us/</a></li><br>
<li>+440303 123 1113</li>
</ul>
<br>
<h3>CHANGES TO THIS PRIVACY NOTICE</h3>
<p>We reserve the right to update this privacy notice at any time, and we will provide you with a new privacy notice when we make any substantial updates. We may also notify you in other ways from time to time about the processing
of your personal information.</p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<!--Common Service Descriptions Popup -->
<div class="popup2Shell popupServiceDescription medium">
<div class="popup2Container">
<h1 class="popup2Header">Service Descriptions</h1>
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn">
<img src="/Partner/_Default/modal_close_btn.png"></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div class="relative">
<div class="pdfPrint_icons sdPrint"><a href="#" onclick="printIt($('#printSD').html()); return false"><img alt="Print this Page" src="/Partner/_Default/printer_icon.gif"> </a> </div>
<div class="cr"></div>
</div>
<div id="printSD">
<div id="dnn_skinFooter_LegalContentTermsCondition_divServiceDescription" class="popup2ContentInner"><!-- Family Identity Restoration Pro SD-->
<div class="content_container_gradient sd-container">
<div id="SDcontent_IDR" class="content_container_gradient_fade leading_1">
<h3 class="sdTitle" id="Family ID Restoration Pro">EZShield<sup>®</sup> Family ID Restoration Pro</h3>
<h4>HIGHLIGHTS</h4>
<ul class="bulleted_list no-space">
<li>Online Identity Vault<sup>™</sup> for your family</li>
<li>Password Manager</li>
<li>Protection tips and timely news</li>
<li>US-based Certified Resolution Specialist for your family</li>
<li>End2End Defense<sup>®</sup> 32-step restoration process</li>
<li>24/7 live support</li>
</ul>
<h4>DESCRIPTION OF SERVICE</h4>
<p>The Service applies broadly to the protection of a customer’s identity. Individuals are often subject to theft, fraud, misuse of personal information, and unintended exposure of personal and financial data. EZShield ID
Restoration Pro offers peace of mind with access to certified resolution specialists, as well as proactive tools to help prevent fraud and misuse.</p>
<h4>Secure Your Personal Information:</h4>
<ul class="bulleted_list no-space">
<li><strong>Online Identity Vault<sup>™</sup> to encrypt you and your family's information</strong>
<ul class="bulleted_list no-space">
<li><strong>Encrypt personal information</strong>. Online encrypted storage for you and your family members' important personally identifiable information (PII) including SSNs, credit cards, financial account information and
birth dates along with other important documents (i.e. mortgage, titles, etc.).</li>
<li><strong>Encrypt documents & images</strong>. Online Identity Vault<sup>™</sup> gives access to online and mobile digital organization and storage of digital copies of important business, legal and personal documents,
medical records and other items. The Vault provides top-level data security in a remote location to prevent unauthorized access to stored files and full-time 24/7 customer access to stored items. Authorized users can
easily tag incoming content for proper categorization and facilitation of search and retrieval. This secure storage platform accepts the following file formats: Jpeg, Gif, Pdf, Png, Microsoft Word, Microsoft Excel and
Microsoft PowerPoint.</li>
<li><strong>Password Manager</strong>. As your first line of defense for protecting your personally identifiable information against identity crimes, our Password Manager is a must-have — giving you on-the-go access to
manage your passwords all in one secure easy-to-use location. You also have access to a password tool to test strength and generate strong passwords.</li>
</ul>
</li>
<li><strong>Protection tips and timely news</strong>. These features provide access to timely tips and industry best practices that educate consumers and businesses about mitigating the risks of identity theft and fraud. <ul
class="bulleted_list no-space">
<li><strong>Identity Report</strong>. This monthly email communication includes account information in addition to articles and tips addressing identity theft and fraud.</li>
<li><strong>Breach & Fraud News Alerts</strong>. These ongoing emails alert customers of large-scale breaches and threats, while providing helpful tips on how to protect themselves. </li>
</ul>
</li>
</ul>
<h4>Restore:</h4>
<ul class="bulleted_list no-space">
<li><strong>Family Restoration Services</strong>. In addition to providing you with restoration services, a customer can also protect affiliated persons,* which can include family members.</li>
<li><strong>US-based Certified Resolution Specialist for you and your family</strong>. <ul class="bulleted_list no-space">
<li>Fully managed restoration services.</li>
<li>1-on-1 dedicated care.</li>
</ul>
<p>A dedicated and certified specialist is available to answer questions and assist with resolution in the event of lost/stolen wallet, fraud or an identity theft event.</p>
<p>A dedicated resolution specialist will perform assisted or fully-managed restoration services on behalf of victims and coordinate with customer's applicable bank, financial institution and/or other agencies.</p>
<p>In addition to advising a customer on the best procedures to help prevent fraud or to respond to a fraud event, a resolution specialist can also act on behalf of a customer by obtaining an executed limited power of attorney
form.</p>
<p>Resolution specialists are available to assist with:</p>
<ol class="alpha">
<li>notifying and requesting government-issued identification such as a state's Driver's License, Social Security card or Passport;</li>
<li>notifying the three national credit bureaus to place fraud alerts on customer's credit reports, and review such reports to identify evidence of the fraud or identity theft event;</li>
<li>notifying banks, credit card companies and merchants as directed by the customer to freeze or close any accounts compromised by or resulting from the fraud or identity theft event;</li>
<li>notifying the Federal Trade Commission and filing a complaint to report the identity theft event;</li>
<li>and otherwise coordinating with credit bureaus, banks, credit card companies, government agencies and/or merchants.</li>
</ol>
</li>
<li><strong>End2End Defense<sup>®</sup> in-depth restoration process for you and your family</strong>. <ul class="bulleted_list no-space">
<li>Proprietary 32-step checklist</li>
<li>For lost/stolen wallet, breached data, fraud or ID theft</li>
<li>Designed to discover, isolate & prevent future fraud</li>
<li>The EZShield Promise</li>
</ul>
<p>Our 32-point checklist is designed to isolate and assist restoration from a lost/stolen wallet, fraud or identity theft event. It is also designed to help the customer take necessary steps to help prevent fraud or identity
theft from happening again. Often times, fraud is an isolated incident. However, in many cases, the fraudulent event is a symptom of a much larger problem. Thus, EZShield will work with the customer to verify that they are
not at greater risk of additional fraud or identity theft. When EZShield determines that the circumstances of the event puts the customer's identity at continued risk of further fraud or identity theft events, EZShield will
deploy certain preventative and complimentary services to help mitigate such risks. 90 days for fraud, 1 year for ID Theft.</p>
</li>
<li><strong>24/7 live support</strong> and one-on-one assistance from a dedicated, certified Resolution Specialist 8am to 8pm EST, Monday through Friday.</li>
</ul>
<h4>SERVICE LEVEL DEFINITIONS</h4>
<p><strong>Family Restoration</strong>: Limited to the individual properly registered as a customer and his/her <em>affiliated persons</em>. Affiliated persons gain access to the certified resolution specialists and restoration
services features of this product.</p>
<p><strong>Affiliated Persons</strong>: For an individual user, affiliated persons shall be limited to:</p>
<ul class="bulleted_list no-space">
<li>The spouse or domestic partner of registered Member (where "domestic partner" is defined as any person living in a legally recognized domestic partnership with Member in their state of residence)</li>
<li>dependent children under the age of 21 who live with the Member and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.</li>
</ul>
<p><strong>EZShield Vault</strong>: 10 GB of storage with access for one customer only.</p>
</div>
</div> <!-- --><!-- AFM SD-->
<div class="content_container_gradient sd-container">
<div id="SDcontent_IM" class="content_container_gradient_fade leading_1">
<h3 class="sdTitle" id="afm"> Advanced Fraud Monitoring </h3>
<h4>HIGHLIGHTS</h4>
<ul class="bulleted_list no-space">
<li> Daily Monitoring of the online black market for the personally identifiable information stored in your Online Identity Vault </li>
<li>Notification Services for information being sold or traded</li>
</ul>
<h4>DESCRIPTION OF SERVICE</h4>
<p> Recent studies have shown identity fraud incidences continue to increase year over year. Having one's personally identifiable information (PII) exposed or compromised significantly increases the risk of identity theft and
fraud. The problem can be compounded once the information reaches the alarmingly active internet black market sites where information is traded, sold and re-sold through thousands of websites, chat rooms and underground forms.
As criminals continue to seek new ways to exploit this information, if an individual's PII is found on these known sites, identity theft has already occurred and immediate action is necessary. EZShield will constantly and
proactively monitor these sites, chat rooms and underground forums, and alert the consumer regarding any activity, while securely storing the following personal and financial information (Identity Elements) provided by the
customer: </p>
<strong>Available Elements for Scanning</strong>
<ul class="bulleted_list no-space">
<li> Individual name, Street Address, Drivers License and up to 3 phone numbers </li>
<li>Social Security Number</li>
<li>Up to 10 Email Addresses</li>
<li>Up to 10 Medical ID cards</li>
<li>Up to 10 Bank Accounts, Credit Cards, & Debit Cards</li>
<li>Up to 5 Passports</li>
</ul>
<h4>ONLINE BLACK MARKET SCAN</h4>
<p> Ongoing scans of black market chat rooms, websites and databases will be performed to ensure that the name, address, Social Security number, email address, phone number, credit card numbers and bank account identification
associated with a user's account are not currently compromised in the black market channel. </p>
<h4>NOTIFICATION SERVICES</h4>
<p> Provides e-mail alerts and/or phone notifications within 24 hours of activities discovered through the process of monitoring the Customer's provided personal and financial information. </p>
</div>
</div>
<!-- --><!-- --><!-- --><!-- Internet Monitoring Score SD-->
<div class="content_container_gradient sd-container">
<div id="SDcontent_IM" class="content_container_gradient_fade leading_1">
<h3 class="sdTitle" id="Internet Monitoring">EZShield<sup>®</sup> Dark Web Monitoring</h3>
<h4>HIGHLIGHTS</h4>
<ul class="bulleted_list no-space">
<li>Daily Monitoring of the Dark Web for personally identifiable information stored in your Online Identity Vault</li>
<li>Notification Services for information being sold or traded</li>
</ul>
<h4>DESCRIPTION OF SERVICE</h4>
<p>Recent studies have shown identity fraud incidences continue to increase year over year. Having one's personally identifiable information (PII) exposed or compromised significantly increases the risk of identity theft and
fraud. The problem can be compounded once the information reaches the alarmingly active internet black market sites where information is traded, sold and re-sold through thousands of websites, chat rooms and underground forms.
As criminals continue to seek new ways to exploit this information, if an individual's PII is found on these known sites, identity theft has already occurred and immediate action is necessary. EZShield will constantly and
proactively monitor these sites, chat rooms and underground forums, and alert the consumer regarding any activity, while securely storing the following personal and financial information (Identity Elements) provided by the
customer:</p> <strong>Available Elements for Scanning</strong>
<ul class="bulleted_list no-space">
<li>Individual name</li>
<li>Street Address</li>
<li>Drivers License</li>
<li>Up to 10 phone numbers</li>
<li>Social Security Number</li>
<li>Mother’s Maiden Name</li>
<li>Up to 10 Email Addresses</li>
<li>Up to 10 Medical ID cards</li>
<li>Up to 10 Bank Accounts</li>
<li>Up to 10 Credit & Debit Cards</li>
<li>Up to 5 Passports</li>
</ul>
<h4>ONLINE DARK WEB SCAN</h4>
<p>Ongoing scans of black market chat rooms, websites and databases will be performed to ensure that the name, address, Social Security number, email address, phone number, credit card numbers and bank account identification
associated with a user's account are not currently compromised in the black market channel.</p>
<h4>NOTIFICATION SERVICES</h4>
<p>Provides e-mail alerts and/or phone notifications within 24 hours of activities discovered through the process of monitoring the Customer's provided personal and financial information.</p>
</div>
</div><!-- BreachIQ SD-->
<div class="content_container_gradient sd-container">
<div id="SDcontent_IM" class="content_container_gradient_fade leading_1">
<h3 class="sdTitle" id="BreachIQ"> EZShield<sup>®</sup> BreachIQ </h3>
<h4>HIGHLIGHTS</h4>
<ul class="bulleted_list no-space">
<li>Results from dark web scan of up to 60+ identity elements</li>
<li>Unique database of publicly reported US breaches, bringing consumers data on 10-20x breaches as dark web scans</li>
<li>Analysis of extensive list of risk types such as ATO fraud, medical fraud, targeted scams, tax fraud </li>
<li>Customized consumer score based on personal identity compromise experience and unique risks; actions taken</li>
<li>Risks matched to 50+ targeted action steps that can be executed through Sontiq services or at their financial institution to reduce the risk to the customer</li>
</ul>
<h4>FEATURES</h4> <strong>BreachIQ<sup>™</sup> Search Tool</strong>
<p>When consumers receive a notification letter or hear about a breach in the news, the Breach Search tool lets them search on the name of an organization to learn about a breach and determine what action should be taken.</p>
<strong>BreachIQ<sup>™</sup> Score</strong>
<p>AI driven algorithm analyzes 1,300 breach elements to deliver a Breach Risk Score and personalized risk profile, unique set of risks, and prioritized actions from among 50+ possibilities (vastly more than monitoring credit or
changing passwords). BreachIQ models consider 12 different possible fraud and scam types, including financial frauds (all four types), medical identity fraud, credit card fraud, tax refund fraud, scams including advance fee
schemes, and various government benefits fraud. As fraud risks change, BreachIQ’s algorithm changes too, bringing the most relevant information on what a breach means for a customer. This AI driven approach provides maximum
customer peace of mind and protection, that includes all their provider relationships.</p> <strong>Dynamic Risk Assessment | Breach History</strong>
<p>The Breach Clarity algorithm is based on 60 individual identity credentials (58 more than just log in and password credentials--criminals prefer to use as many as they can), all 12 possible identity crime categories, and over
50 possible action steps that minimize risk. </p> <strong>BreachIQ relies on more than just the dark web, because the largest and most dangerous types of compromised data do not appear there.</strong>
<p>The Breach Clarity proprietary database is the only complete source of all publicly reported US data breaches, providing detailed and personalized risk assessments and action steps. Many large breaches do not typically show up
in dark web scans, but BreachIQ, using several data sources can return information on most public data breaches.</p> <strong>ID Safety Score<sup>™</sup></strong>
<p>Every customer has a unique breach history, combined with equally unique action steps they have taken to protect their identity. The ID Safety Score is dynamically based on both factors, to consider both the threats an
individual faces as well as their protective stance regarding those personalized risks. </p>
<p>The highly personalized solution remembers the actions consumers have taken, to only present the consumer’s next best action. As a result, BreachIQ simplifies the consumers’ task of sorting through the extremely limited or
overly complex advice they get elsewhere, all in a UI that focuses on the next best action.</p> <strong>Leverages Existing Financial Institution (FI) and other Relationships</strong>
<p>BreachIQ’s internal examination of all consumer ID fraud indicates that most fraud occurs at an FI. Criminals most often ‘go where the money is’, which is why BreachIQ’s assessment of four distinct FI fraud risks and powerful
action steps point consumers to the precise methods they can use to protect against cybercrime in existing financial accounts (banks, credit unions, payment card issuers, and more), or get the fastest possible detection in new
or existing accounts to stop it in its tracks. </p> <strong>Fully Managed Restoration</strong>
<p>Sontiq’s award winning restoration services are available in all BreachIQ solutions.</p>
</div>
</div><!-- --><!-- --><!-- -->Monitors your child’s PII to detect changes associated with your child’s identity.<!-- --><!-- --><!-- --><!-- --><!-- Identity Restoration Pro SD-->
<div class="content_container_gradient sd-container">
<div id="SDcontent_IDR" class="content_container_gradient_fade leading_1">
<h3 class="sdTitle" id="ID Restoration Pro">EZShield<sup>®</sup> ID Restoration Pro</h3>
<h4>HIGHLIGHTS</h4>
<ul class="bulleted_list no-space">
<li>Online Identity Vault<sup>™</sup></li>
<li>Password Manager</li>
<li>24/7 live support</li>
<li>Fully managed identity restoration</li>
<li>Personalized Identity Reports</li>
<li>Mobile app</li>
</ul>
<h4>DESCRIPTION OF SERVICE</h4>
<p>The Service applies broadly to the protection of a customer’s identity. Individuals are often subject to theft, fraud, misuse of personal information, and unintended exposure of personal and financial data. EZShield ID
Restoration Pro offers peace of mind with access to certified resolution specialists, as well as proactive tools to help protect against fraud and misuse.</p>
<h4>Secure Your Personal Information:</h4>
<ul class="bulleted_list no-space">
<li><strong>Online Identity Vault<sup>™</sup></strong>
<ul class="bulleted_list no-space">
<li><strong>Encrypt personal information</strong>. Online encrypted storage for your important personally identifiable information (PII) including SSNs, credit cards, financial account information and birth dates along with
other important documents (i.e. mortgage, titles, etc.).</li>
<li><strong>Encrypt documents & images</strong>. Online Identity Vault™ gives access to online and mobile digital organization and storage of digital copies of important business, legal and personal documents,
medical records and other items. The Vault provides top-level data security in a remote location to protect against unauthorized access to stored files and full-time 24/7 customer access to stored items. Authorized users
can easily tag incoming content for proper categorization and facilitation of search and retrieval. This secure storage platform accepts the following file formats: Jpeg, Gif, Pdf, Png, Microsoft Word, Microsoft Excel and
Microsoft PowerPoint.</li>
<li><strong>Password Manager</strong>. As your first line of defense for protecting your personally identifiable information again identity crimes, our Password Manager is a must-have — giving you on-the-go access to manage
your passwords in one secure easy-to-use location. You also have access to a password tool to test strength and generate strong passwords.</li>
<li><strong>All information is secured by Triple Layer Defense<sup>™</sup></strong>: Customer information is encrypted in 3 ways: in transit, in use and at rest. Additionally, information stored in the Online Identity Vault
uses multiple layers of encryption: <ul class="bulleted_list no-space">
<li>Information is encrypted at the system level in the cloud</li>
<li>Information is encrypted within the customer's unique record</li>
<li>All information added to Online Identity Vault becomes part of your secure profile and is encrypted multiple times</li>
</ul>
</li>
</ul>
</li>
<li><strong>Protection tips and timely news</strong>. These features provide access to timely tips and industry best practices that educate consumers and businesses about mitigating the risks of identity theft and fraud. <ul
class="bulleted_list no-space">
<li><strong>Identity Report</strong>. This monthly email communication includes account information in addition to articles and tips addressing identity theft and fraud.</li>
<li><strong>Breach & Fraud News Alerts</strong>. These ongoing emails alert customers of large-scale breaches and threats, while providing helpful tips on how to protect themselves.</li>
</ul>
</li>
</ul>
<h4>Restore:</h4>
<ul class="bulleted_list no-space">
<li><strong>US-based Certified Resolution Specialist.</strong>
<ul class="bulleted_list no-space">
<li>Fully managed restoration services.</li>
<li>1-on-1 dedicated care.</li>
</ul>
<p>A dedicated and certified specialist is available to answer questions and assist with resolution in the event of lost/stolen wallet, fraud or an identity theft event.</p>
<p>A dedicated resolution specialist will perform assisted or fully managed restoration services on behalf of victims and coordinate with customer's applicable bank, financial institution and/or other agencies.</p>
<p>In addition to advising a customer on the best procedures to help protect against fraud or to respond to a fraud event, a resolution specialist can also act on behalf of a customer by obtaining an executed limited power of
attorney form.</p>
<ol class="alpha">
<p>Resolution specialists are available to assist with:</p>
<li>notifying and requesting government-issued identification such as a state's Driver's License, Social Security card or Passport;</li>
<li>notifying the three national credit bureaus to place fraud alerts on customer's credit reports, and review such reports to identify evidence of the fraud or identity theft event;</li>
<li>notifying banks, credit card companies and merchants as directed by the customer to freeze or close any accounts compromised by or resulting from the fraud or identity theft event;</li>
<li>notifying the Federal Trade Commission and filing a complaint to report the identity theft event;</li>
<li>and otherwise coordinating with credit bureaus, banks, credit card companies, government agencies and/or merchants.</li>
</ol>
</li>
<li><strong>End2End Defense<sup>®</sup> in-depth restoration process.</strong>
<ul class="bulleted_list no-space">
<li>Proprietary 32-step checklist</li>
<li>For lost/stolen wallet, breached data, fraud or ID theft</li>
<li>Designed to discover, isolate & protect against future fraud</li>
<li>The EZShield Promise</li>
</ul>
<p>Our 32-point checklist is designed to isolate and assist restoration from a lost/stolen wallet, fraud or identity theft event. It is also designed to help the customer take necessary steps to help protect against fraud or
identity theft from happening again. Often times, fraud is an isolated incident. However, in many cases, the fraudulent event is a symptom of a much larger problem. Thus, EZShield will work with the customer to verify that
they are not at greater risk of additional fraud or identity theft. When EZShield determines that the circumstances of the event puts the customer's identity at continued risk of further fraud or identity theft events,
EZShield will deploy certain complimentary services to help mitigate such risks. 90 days for fraud, 1 year for ID Theft.</p>
</li>
<li><strong>24/7 live support</strong> available to answer questions and one-on-one assistance from a dedicated, certified Resolution Specialist 8am to 8pm EST, Monday through Friday.</li>
</ul>
<h4>SERVICE LEVEL DEFINITIONS</h4>
<p><strong>Individual Restoration</strong>: Limited to individuals properly registered as a customer.</p>
<p><strong>Online Identity Vault</strong>: 10 GB of storage with access for one customer only.</p>
</div>
</div><!-- --><!-- --> <!-- Public Records Monitoring SD-->
<div class="content_container_gradient sd-container">
<div id="SDcontent_PRM" class="content_container_gradient_fade leading_1">
<h3 class="sdTitle" id="Public Records Monitoring">EZShield<sup>®</sup> Public Records Monitoring</h3>
<h4>HIGHLIGHTS</h4>
<ul class="bulleted_list no-space">
<li>Change of Address Monitoring</li>
<li>Criminal Records Monitoring</li>
<li>Sex Offender Registry Monitoring</li>
<li>Short Term Loan Monitoring</li>
<li>Smart SSN Tracker</li>
<li>Notification Services</li>
<li>Secure Authentication</li>
</ul>
<h4>DESCRIPTION OF SERVICE</h4>
<p>Criminals use many channels to obtain personal and confidential information. As part of this Service, EZShield will monitor activity associated with customer's identity and make available to the customer the following search
results, which may indicate identity theft or misrepresentation:</p>
<p><strong>Change of Address Monitoring</strong>: Monitors and alerts you if your mail has been redirected through the United States Postal Service.</p>
<p><strong>Criminal Records Monitoring</strong>: Alerts you in the event that monitored state or local records for arrests and incarcerations match your information.</p>
<p><strong>Sex Offender Registry Monitoring</strong>: Alerts you if we found an address of a registered sex offender(s) within a 2-mile radius of your address.</p>
<p><strong>Short Term Loan Monitoring</strong>: Alerts you to short term and specialty loans, including short term loans, that were obtained using your social security number.</p>
<p><strong>Smart SSN Tracker</strong>: Social Security Number tracking that intelligently alerts you if there’s an unfamiliar name, alias, or address associated with your SSN, which could be an indication of fraud.</p>
<h4>NOTIFICATION SERVICES</h4>
<p>Provides e-mail alerts and/or phone notifications of activities discovered in the process of monitoring changes to the customer's public records.</p>
<h4>SECURE AUTHENTICATION</h4>
<p>Monitoring services requires one-time verification of the Customer's identity to ensure that we are securely monitoring the Customer's identity and notifications are received.</p>
</div>
</div><!-- --><!-- -->
</div>
</div>
</div>
</div>
</div>
</div>
<!--Common CCPA Addendum Popup -->
<div class="popup2Shell popupCCPAAddendum medium">
<div class="popup2Container">
<h1 class="popup2Header">CCPA Addendum</h1>
<a onclick="closeModalPopup(this);" href="javascript:void(0)" class="popup2CloseBtn">
<img src="/Partner/_Default/modal_close_btn.png" alt=""></a>
<div class="popup2Content">
<div class="popup2ScrollContainer">
<div id="dnn_skinFooter_LegalContentTermsCondition_divCCPAAddendum" class="popup2ContentInner">
<div class="content_container_gradient">
<div class="content_container_gradient_fade leading_1 relative">
<div class="pdfPrint_icons">
<a href="javascript:window.print();" target="_blank"> <!--<img
src="/Partner/_Default/printer_icon.gif" alt="Print this Page" />--><i class="las la-print"></i> </a>
</div>
<div class="cr">
</div>
<div id="printEUPP">
<h2 id="eu_us_policyHeader">Privacy Notice – California-Specific Addendum</h2>
<p>If you are a California resident, the following provisions apply to our processing of information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or
indirectly, with a particular consumer or household [subject to the California Consumer Privacy Act] (“California Personal Information” herein referred to as Personal Information). For such residents, the provisions of this
California Addendum prevail over any conflicting provisions of the Privacy Notice. </p>
<ul style="list-style: none;">
<li>
<h3>Categories of Personal Information Collected</h3>
<p>We may have collected the following categories of Personal Information within the last 12 months. The Personal Information collected varies based on the product or service purchased or otherwise obtained by the consumer:
</p>
<ul class="ul-GDPR">
<li>
<i>Personal Information. </i> This includes, but not limited to, personal identifiers such as name, alias, address, social security number, passport number, driver’s license number, email address, Internet Protocol (IP)
address, insurance or other policy numbers, other online identifiers, or other similar identifiers.
</li>
<li>
<i>Financial Information and Medical Information. </i> Financial information may include information directly provided by you such as a bank account number, routing number, credit card number, debit card number, or any
other financial information, including information obtained from consumer reporting agencies as it may apply in our providing our services to you. We generally do not collect medical information in providing our products
or services, but it may be collected incidentally when providing select Identity Theft or Identity Restoration services, as applicable.
</li>
<li>
<i>Protected Class Characteristics </i> may include information about race, color, religion, creed, national origin, sex, age, disability, veteran status, and other sensitive Personal Information. We do not generally
require the collection of this type of Personal Information.
</li>
<li>
<i>Commercial information, </i> including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
</li>
<li>
<i>Biometric information </i> that may be used to establish identity, including but not limited to fingerprints, retinal scans, voice prints or facial recognition. We do not collect this type of information in providing
our products and services.
</li>
<li>
<i>Internet or other electronic network activity information, </i> including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application,
or advertisement.
</li>
<li>
<i>Geolocation data </i> may be obtained using IP address, GPS (where enabled on your smart device), and/or similar technologies when accessing our website(s), mobile application(s), or other online services.
</li>
<li>
<i>Audio, electronic, visual, thermal, olfactory, or similar information. </i> We record audio calls made to our Support Center for quality purposes. We may collect Personal Information when you communicate with us
electronically, such as using email. Other types of information listed above are not collected.
</li>
<li>
<i>Professional or employment-related information. </i> We do not generally collect this type of information, but it may be collected incidentally when providing select Identity Theft or Identity Restoration services, as
applicable.
</li>
<li>
<i>Education information. </i> We do not generally collect this type of information, but it may be collected incidentally when providing select Identity Theft or Identity Restoration services, as applicable.
</li>
<li>
<i>Inferences. </i> Insights that we may use to build a profile about you; including profiles, preferences, and behaviors drawn from collection and analytics of any of the other categories of Personal Information.
</li>
</ul>
</li>
<li>
<h3>Categories of Personal Information Sold or Disclosed</h3>
<p>Within the last 12 months, within the meaning of the California Consumer Privacy Act, we may have sold Personal Information identified in the above categories.</p>
<p>Within the last 12 months, we have disclosed Personal Information as identified in the above categories for our business purposes. To learn more about the categories of third parties with whom we share such information,
please see <a href="/Default.aspx?tabname=PrivacyPolicy" target="_blank">Privacy Policy</a>.</p>
</li>
<li>
<h3>How we Collect Personal Information</h3>
<p>We obtain Personal Information from a variety of sources, including directly provided by you, through our partners or affiliates, or from commercially or publicly available data sources. Some of the products and services we
offer may include collecting information about you from credit bureaus; identify verification and fraud prevention services, social media platforms; and others consistent with the product or service. We also gather
information from or about you when you use our services, including accessing our website(s), mobile application(s), and other online services, as well as marketing and analytics providers. More information can be found at
<a href="/Default.aspx?tabname=PrivacyPolicy" target="_blank">Privacy Policy</a>.</p>
</li>
<li>
<h3>How we Use Personal Information</h3>
<p>We use the Personal Information we collect for the business purposes disclosed within this Privacy Notice. Please see <a href="/Default.aspx?tabname=PrivacyPolicy" target="_blank">Privacy Policy</a>. Please note that the
business purposes for which we may use your information include:</p>
<ul class="ul-GDPR">
<li>Providing services on our behalf or on behalf of another organization, including maintaining or servicing accounts, providing customer service, fulfilling transactions, verifying identity information, processing
payments, and other services;</li>
<li>Detecting and protecting against security incidents, and malicious, deceptive, fraudulent or illegal activity, and prosecuting the same;</li>
<li>Debugging to identify and repair errors in our systems;</li>
<li>Conducting activity to verify, enhance, and maintain the quality or safety of services or devices which we may own, control, or provide.</li>
<li>Audits and reporting relating to particular transactions and interactions, including online interactions, you may have with us or others on our behalf;</li>
<li>Short-term, transient use including contextual customization of ads;</li>
<li>Conducting internal research to develop and demonstrate technology; and</li>
</ul>
<p>We may also use the information we collect for our own or our service providers’ other operational purposes, purposes for which we provide you additional notice, or for purposes compatible with the context in which the
Personal Information was collected.</p>
</li>
<li>
<h3>Your California Rights</h3>
<p>If you are a California resident, you have certain rights related to your Personal Information.</p>
<ul class="ul-GDPR">
<li>You have the right to request: <ul class="ul-GDPR">
<li>the categories of Personal Information we have collected about you;</li>
<li>the categories of sources from which the Personal Information is collected;</li>
<li>our business or commercial purpose for collecting or selling Personal Information;</li>
<li>the categories of third parties with whom we share Personal Information; and</li>
<li>the specific pieces of Personal Information we have collected about you.</li>
</ul>
</li>
<li>To the extent that we sell your Personal Information or disclose such information for a business purpose, you may request that we disclose to you: <ul class="ul-GDPR">
<li>the categories of Personal Information that we have collected about you;</li>
<li>the categories of sources from which the personal information is collected;</li>
<li>the business or commercial purpose for collecting or selling the personal information;</li>
<li>the categories of third parties to whom the Personal Information was shared</li>
<li>the specific pieces of Personal Information we have collected about you.</li>
</ul>
</li>
</ul>
<p>To recap the categories of Personal Information that we may collect, please refer to Section 1 (above).</p>
<p><strong>Right to Delete Personal Information</strong><br>You have the right to request that we delete Personal Information about you which we have collected from you, subject to certain exemptions.</p>
</li>
<li>
<p>
</p>
<h3>Right to Opt Out/Do Not Sell My Personal Information</h3> If you are a California resident, you have the right to opt out of the sale of Personal Information. To exercise this opt-out right, whether you have an account or
not, please submit a request <a href="mailto:privacy@sontiq.com">privacy@sontiq.com</a>. If you do not have an account, include your name and email address or mailing address. <p></p>
</li>
<li>
<h3>Submitting Your Requests</h3>
<p>You may submit your requests, as described above, or by:</p>
<ul class="ul-GDPR">
<li>Completing our rights request form available <a href="https://www.sontiq.com/ccpa-request-form/?utm_source=CGWWeb" target="_blank">here</a> </li>
<li>Calling us toll-free at <span id="phone_ccpa"><a href="tel:888-676-6847">888-676-6847 </a></span></li>
</ul>
</li>
<li>
<h3>Verification of Identity</h3>
<p> We want to ensure that the person requesting Personal Information is indeed that person, or someone authorized to exercise these rights on their behalf as permitted under CCPA. We will process Personal Information
requests, once the requestor’s identity has been verified or authority authenticated. </p>
</li>
<li>
<h3>No Discrimination for Exercising Rights</h3>
<p> We do not discriminate against consumers because they have exercised any of the rights granted by the CCPA. </p>
</li>
</ul>
</div>
</div>
</div>
<script>
document.getElementById('phone_ccpa').innerHTML = '<a href="tel:888-676-6847">888-676-6847 </a>';
</script>
</div>
</div>
</div>
</div>
</div>
<div class="enrollmentFootercopyright relative"> © 2023 IdentityForce. All rights reserved. | Version 5.78.0.14 | <a href="tel:1-833-580-2523">1-833-580-2523 </a> |
<a href="https://www.sontiq.com/trust-center/" target="_blank" class="desktopPrivacy"> Trust Center </a> |
<a href="/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/TermsAndConditions/tabid/434/Default.aspx" target="_blank" class="desktopPrivacy">Terms of Use </a> |
<a href="/LegalDocuments/PrivacyPolicy/tabid/209/Default.aspx" target="_blank" class="desktopPrivacy"> Privacy Notice </a> |
<a href="https://www.sontiq.com/ccpa-addendum/" target="_blank" class="desktopPrivacy">Do Not Sell My Personal Information </a>
</div>
</div>
<!-- CDI:End Skin -->
<script type="text/javascript">
(function() {
var link = document.querySelector("link[rel*='icon']") || document.createElement('link');
link.type = 'image/x-icon';
link.rel = 'shortcut icon';
link.href = 'https://secure.identityforce.com/funnel/sales/img/idf-icon-logo.png';
document.getElementsByTagName('head')[0].appendChild(link);
var contents = $('#dnn_skinHeader_ctl00_infoMessageList');
$(".inner_header_termsAndConditions").append("<h1 style='color:#FFF;line-height:35px'>Terms of Use</h1>");
$('.inner_header_termsAndConditions').css('background', 'none');
$(".inner_header_privacy").append("<h1 style='color:#FFF;line-height:35px'>Privacy Notice</h1>");
$('.inner_header_privacy').css('background', 'none');
var url = window.location.origin;
var privacyUrl = url + "/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/PrivacyPolicy/tabid/209/Default.aspx";
$(".privacy-policy-url").attr("href", privacyUrl);
var tncUrl = url + "/DesktopModules/CgwHomePageInfo/Controls/LegalDocuments/TermsAndConditions/tabid/434/Default.aspx";
$(".tnc-url").attr("href", tncUrl);
})();
$(document).ready(function() {
$("a[href^='http']").attr('target', '_blank');
document.querySelector("[href='https://www.ezshield.com/']").style.display = 'none';
document.querySelector("[href^='/Default.aspx?tabname=CommonDefinitions']").style.display = 'none';
document.querySelector("[href^='CgwPackageOverview']").style.display = 'none';
});
</script>
<script type="text/javascript">
$(document).ready(function() {});
</script>
<input name="ScrollTop" type="hidden" id="ScrollTop">
<input name="__dnnVariable" type="hidden" id="__dnnVariable">
<div class="popup2Shell sessionPopupPanel medium">
<div class="popup2Container">
<h1 class="popup2Header"> Timeout Notification</h1>
<div class="popup2Content noClose">
<div class="popup2ScrollContainer">
<div class="popup2ContentInner">
<div class="sessionCountdown">
<div id="lblSecs">
<br>
</div>
<h2> seconds<br> remaining</h2>
</div>
<div class="sessionTimeOutMsg">
<p> For your Privacy and Protection, this online session is about to timeout due to inactivity.</p>
<p> If you are still working, please Click the Continue button below. To log out now, click the log out button. If no choice is made, you will be automatically logged out.</p>
</div>
<div class="cb">
</div>
</div>
</div>
<div class="popupButtonBlock sessionTimeout_action_bar">
<button class="continueSession_btn mobileButton medium" id="btnContinueSession" onclick="return ContinueSession();"> Continue Session</button>
<button class="continueSession_btn mobileButton medium" id="btnLogout" onclick="return Logout(false);"> Log Me Out Now</button>
</div>
</div>
</div>
</div>
<script type="text/javascript">
//<![CDATA[
var Page_ValidationSummaries = new Array(document.getElementById("dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep"), document.getElementById("dnn_ctr11028_CommonErrorMessage_valSummaryFristStep"), document.getElementById(
"dnn_ctr11028_CommonErrorMessage_valSummarySecondStep"));
var Page_Validators = new Array(document.getElementById("dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1"), document.getElementById("dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber"));
//]]>
</script>
<script type="text/javascript">
//<![CDATA[
var dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep = document.all ? document.all["dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep"] : document.getElementById("dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep");
dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep.headertext = "Please correct the following validation error(s) in the form below";
dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep.validationGroup = "CSValidation";
var dnn_ctr11028_CommonErrorMessage_valSummaryFristStep = document.all ? document.all["dnn_ctr11028_CommonErrorMessage_valSummaryFristStep"] : document.getElementById("dnn_ctr11028_CommonErrorMessage_valSummaryFristStep");
dnn_ctr11028_CommonErrorMessage_valSummaryFristStep.headertext = "Please correct the following validation error(s) in the form below";
dnn_ctr11028_CommonErrorMessage_valSummaryFristStep.validationGroup = "UNValidation";
var dnn_ctr11028_CommonErrorMessage_valSummarySecondStep = document.all ? document.all["dnn_ctr11028_CommonErrorMessage_valSummarySecondStep"] : document.getElementById("dnn_ctr11028_CommonErrorMessage_valSummarySecondStep");
dnn_ctr11028_CommonErrorMessage_valSummarySecondStep.headertext = "Please correct the following validation error(s) in the form below";
dnn_ctr11028_CommonErrorMessage_valSummarySecondStep.validationGroup = "SQAValidation";
var dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1 = document.all ? document.all["dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1"] : document.getElementById(
"dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1");
dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1.controltovalidate = "dnn_ctr10258_ProvisionalResponseLandingPage2_txtReceiptNumber";
dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1.focusOnError = "t";
dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1.display = "Dynamic";
dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1.validationGroup = "PSS1Validation";
dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1.evaluationfunction = "RegularExpressionValidatorEvaluateIsValid";
dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1.validationexpression = "^[a-zA-Z0-9-,_+:;]+$";
var dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber = document.all ? document.all["dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber"] : document.getElementById(
"dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber");
dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber.controltovalidate = "dnn_ctr10258_ProvisionalResponseLandingPage2_txtReceiptNumber";
dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber.focusOnError = "t";
dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber.errormessage = "Access code is required";
dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber.display = "Dynamic";
dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber.validationGroup = "PSS1Validation";
dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid";
dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber.initialvalue = "";
//]]>
</script>
<script type="text/javascript">
//<![CDATA[
document.getElementById('dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep').dispose = function() {
Array.remove(Page_ValidationSummaries, document.getElementById('dnn_ctr11028_CommonErrorMessage_valSummaryThirdStep'));
}
document.getElementById('dnn_ctr11028_CommonErrorMessage_valSummaryFristStep').dispose = function() {
Array.remove(Page_ValidationSummaries, document.getElementById('dnn_ctr11028_CommonErrorMessage_valSummaryFristStep'));
}
document.getElementById('dnn_ctr11028_CommonErrorMessage_valSummarySecondStep').dispose = function() {
Array.remove(Page_ValidationSummaries, document.getElementById('dnn_ctr11028_CommonErrorMessage_valSummarySecondStep'));
}
var Page_ValidationActive = false;
if (typeof(ValidatorOnLoad) == "function") {
ValidatorOnLoad();
}
function ValidatorOnSubmit() {
if (Page_ValidationActive) {
return ValidatorCommonOnSubmit();
} else {
return true;
}
}
Sys.Application.initialize();
Sys.Application.add_init(function() {
$create(Sys.UI._UpdateProgress, {
"associatedUpdatePanelId": "dnn_ctr11028_CommonErrorMessage_UP",
"displayAfter": 500,
"dynamicLayout": true
}, null, null, $get("dnn_ctr11028_CommonErrorMessage_UP_Prog"));
});
document.getElementById('dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1').dispose = function() {
Array.remove(Page_Validators, document.getElementById('dnn_ctr10258_ProvisionalResponseLandingPage2_RegularExpressionValidator1'));
}
document.getElementById('dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber').dispose = function() {
Array.remove(Page_Validators, document.getElementById('dnn_ctr10258_ProvisionalResponseLandingPage2_rfvReceiptNumber'));
}
//]]>
</script>
</form>Text Content
YOUR DATA IS PROTECTED BY TRIPLE LAYER DEFENSESM
All your information is stored using the highest level of encryption from our
Triple Layer DefenseSM system. Our system has been independently verified and is
continuously audited to ensure our high standards of security.
This means your information is encrypted in transit, in use and at rest.
Additionally, your stored data is...
* Encrypted at the system level in the cloud
* Encrypted within your unique account
Be sure to take advantage of all your account features and keep your information
up-to-date in your Online Identity VaultTM.
Close
* Report Fraud |
* Secure Login
1-833-580-2523
YOUR DATA IS PROTECTED BY TRIPLE LAYER DEFENSESM
All your information is stored using the highest level of encryption from our
Triple Layer DefenseSM system. Our system has been independently verified and is
continuously audited to ensure our high standards of security.
This means your information is encrypted in transit, in use and at rest.
Additionally, your stored data is...
* Encrypted at the system level in the cloud
* Encrypted within your unique account
Be sure to take advantage of all your account features and keep your information
up-to-date in your Online Identity VaultTM.
Close
Please review the following error(s):
* Please verify that you have entered your access code correctly. If you need
assistance, please contact us at 1-833-580-2523 .
IDENTITY THIEVES
DON'T REST. LUCKILY, NEITHER DOES IDENTITYFORCE. WE MONITOR
YOUR PERSONAL INFORMATION 24/7, QUICKLY ALERT
YOU TO THREATS, AND HELP PROTECT YOU.
PROTECT WHAT MATTERS MOST.TM
ACTIVATE YOUR IDENTITY PROTECTION TODAY!
Simply enter the access code provided to
you by a Resolution Specialist.
Access Code Enter a valid access code Access code is required
Click here to Log In
The program and services are provided by Sontiq, Inc. and not by Cigna
Corporation or its operating subsidiaries.
COMMON DEFINITIONS
EZSHIELD COMMON DEFINITIONS
"Affiliated Persons" shall be limited to:
* The spouse or domestic partner of registered Customer (where "domestic
partner" is defined as any person living in a legally recognized domestic
partnership with Customer in their state of residence; provided that, this
definition does not affect the location in which the Service is being
provided as set forth in the EZShield Terms and Conditions).
* dependent children under the age of 21 who live with Customer and dependent
children under the age of 25 who are full-time students, as determined by IRS
dependency requirements.
"Content" means electronic copies of legal and personal documents, medical
records, music and video files and other items stored in a Customer's Vault
Safety Deposit.
"Customer" has the meaning set forth in the Terms and Conditions.
"Delegates" means individuals registered by Customer in connection with the
Vault Safety Deposit Service who are authorized and licensed to access the
Content stored in Customer's Vault Safety Deposit.
"Identity Theft Event" means:
* For individual Customers, the fraudulent misappropriation and use of
Customer's name, social security number, credit card number(s) or other
Protected Identity Elements in any manner that adversely affects any public
records or credit reports concerning the Customer.
* For business Customers, the fraudulent misappropriation and use by persons or
entities (other than agents, employees or contractors of Customer) purporting
to act as or on behalf of Customer of either: Customer's official Business
Name as used in combination with Customer's Tax ID Number (or in Canada,
Customer's Business Number); or any Customer Credit Card Account Number(s)
(duly issued credit cards for which Customer is an obligor) as registered by
Customer as part of the applicable Service.
"Issuer" means the issuer of the applicable Registered Card.
"Losses" means, with respect to any Order any debits from Customer's checking
account for cleared checks due to the Subject Check Fraud.
"Lost Wages" means post-tax wages Customer would have otherwise received but did
not receive due to time spent away from work solely in order to remedy problems
associated with an Identity Theft Event affecting him/her, if and as approved by
EZShield, all as supported by employment documentation and any other
documentation as reasonably requested by EZShield.
"Order" means the boxes of checks Customer has purchased under the EZShield
Check Fraud Protection Program as part of a single order.
"Protected Identity Elements" means for an individual Customer who is subscribed
for EZShield Identity Theft Protection: (1) 1 individual name; (ii) 1 street
address; (iii) 1 e-mail address; (iv) 3 telephone numbers; (v) 1 Social Security
Number; and (vi) 6 bank account or credit card numbers, to the extent these
items are registered with EZShield as part of the Service and legitimately
associated with the registered Customer.
"Registered Card" means a credit card, debit card and/or charge card issued in
Customer's name which Customer has registered with EZShield in order for such
card to be covered by the applicable Service.
"Renewable Service(s)" means any or all of the following Services: EZShield
Identity Restoration®, EZShield Identity Theft Protection® and/or EZShield
Vault® Safety Deposit.
"Restoration Expenses" shall be for customers of Identity Theft InsuranceSM
provided by American International Group, Inc., up to $2,000 in Lost Wages.
"Resolution Specialist" is a named individual dedicated to Customer's
Restoration case and who is certified with the following credentials:
* Certified Identity Theft Risk Management SpecialistTM (CITRMS) from The
Institute of Fraud Risk Management
* International Association of Financial Crime Investigators (Member or above)
* Consumer Data Industry Association (Fair Credit Reporting Act Exam)
"Service" means the EZShield service offering referenced in the applicable
EZShield Service Description.
"Subject Check Fraud" means, with respect to a particular Identity Theft Event,
any occurrence of:
* a forged signature (a legitimate blank check that is forged with the
Customer's signature as the payer);
* a forged endorsement (a legitimate check that is endorsed and cashed or
deposited by a person other than the designated payee based upon a fraudulent
endorsement; or
* an altered check (a legitimate check that is fraudulently altered as to the
designated payee, check amount, or otherwise so as to benefit the person
altering the check).
Subject Check Fraud does not include counterfeit checks or any check that bears
a legitimate original endorsement that is secondarily fraudulently endorsed.
"Vault Safety Deposit" refers both to the Service identified with such name and
the electronic storage location made available to Customer in connection with
such Service.
TERMS AND CONDITIONS
TERMS OF USE
This Terms of Use was last revised on December 1, 2021.
PLEASE READ THIS AGREEMENT CAREFULLY. IT SETS FORTH THE LEGALLY BINDING
AGREEMENT AND CONDITIONS FOR YOUR USE OF THE SITE. THESE TERMS REQUIRE YOU
ARBITRATE ANY DISPUTES YOU HAVE WITH US AND YOU WAIVE THE ABILITY TO BRING
CLAIMS AGAINST US IN A CLASS ACTION FORMAT.
To view, print or download the Terms of Use click here. To view, print or
download our full Privacy Notice, click here.
Introduction
Welcome to the Sontiq website. This website is owned and operated by Sontiq,
Inc. (“Sontiq” “we”, “our”, or “us”). This Terms of Use (“Agreement”) governs
your use of www.Sontiq.com and your use of any interactive features, widgets,
plug-ins, mobile applications (including but not limited to the IdentityForce
and Sontiq (MySontiq or Sontiq Business Suite) mobile applications (the “App”)),
content, downloads and/or other online services that we own and control and that
post a link to this Agreement (collectively, the “Site”). The Agreement contains
the terms and conditions upon which you (“you” or the “member”) may access the
Site or purchase any products or services through the Site.
Authorization to Access Credit Report
Credit reports and access to credit data is only provided to North American
users in either the United States or Canada.
For Credit Report/Credit Monitoring users based in the United States
You understand that by clicking on any “I AGREE” button on the Site, you are
providing “written instructions” to Sontiq and TransUnion LLC under the Fair
Credit Reporting Act (“FCRA”) authorizing Sontiq and TransUnion LLC to obtain
information from your personal credit profile, including debts related to
medical services, from TransUnion. You agree that the information you provide is
true and correct, that you are the person whose credit report is being
requested, and that you are at least eighteen (18) years of age. You authorize
the above parties to obtain such information solely for the purpose of accessing
your credit report to verify your identity in order to avoid fraudulent
transactions in your name and to provide credit reporting, monitoring, scoring
and other credit related products. Under FCRA laws, any person who knowingly and
willfully obtains a credit report under false pretenses (for example getting a
credit report on an individual without their consent), shall be fined under
title 18, United States Code, imprisoned not more than two (2) years, or both.
For Credit Report/Credit Monitoring users based in Canada
You understand that by clicking on any “I AGREE” button on the Site, you are
providing “written instructions” to Sontiq and TransUnion Interactive
authorizing Sontiq and TransUnion Interactive to obtain information from your
personal credit profile from TransUnion. You agree that the information you
provide is true and correct, that you are the person whose credit report is
being requested, and that you are at least eighteen (18) years of age. You
authorize the above parties to obtain such information solely for the purpose of
accessing your credit report to verify your identity in order to avoid
fraudulent transactions in your name and to provide credit reporting,
monitoring, scoring and other credit related products. All rights afforded under
PIPEDA, or substantially similar provincial legislation, apply to users in
Canada.
Privacy Notice and Additional Terms
By using the Site, you acknowledge and accept the Site’s Privacy Notice and
consent to the collection and use of your data in accordance with the Privacy
Notice. Each time you access and/or use the Site (other than to simply read this
Agreement), you agree to be bound by and comply with the Agreement and any
Additional Terms (defined below) then posted. Therefore, do not use the Site if
you do not agree.
In some instances, both this Agreement and separate guidelines, rules, or terms
of use or sale setting forth additional or different terms and/or conditions
will apply to your use of the Site or to a service or product offered via the
Site (in each such instance, and collectively “Additional Terms”). To the extent
there is a conflict between this Agreement and any Additional Terms, the
Additional Terms will control unless the Additional Terms expressly state
otherwise.
Data Protection
We take data protection very seriously. We take all reasonable steps to ensure
that your personal information (“data”) is secure and processed in accordance
with all applicable data protection laws and regulations.
Data Protection for users based in European Union member Countries
In particular, to the extent that you are an EU resident we will process your
data in accordance with the requirements of the EU General Data Protection
Regulation (Regulation (EU) 2016/679 (“GDPR”)).
To the extent that you are an EU resident and your data is transferred to a
third party for any processing purposes, we secure contractual commitments from
such third parties and take such reasonable steps as are necessary to ensure
that they also meet the requirements of the GDPR as appropriate and provide at
least an equivalent level of protection for your data as we do. We have a
legitimate interest in requesting that you provide us with certain data as
provision of the particular data that we will request from you is necessary in
order to allow us to provide our service(s) to you. Equally you have a
legitimate interest in providing that data to us in order to allow us to fulfil
your request for our professional service(s).
1. Site Content, Ownership, Limited License, and Rights of Others
1. Content. The Site contains a variety of: (i) materials and other items
relating to Sontiq and its products and services, and similar items from
our licensors and other third parties, including all layout, information,
articles, posts, text, data, files, images, scripts, designs, graphics,
button icons, instructions, illustrations, photographs, audio clips,
music, sounds, pictures, videos, advertising copy, URLs, technology,
software, interactive features, the “look and feel” of the Site, and the
compilation, assembly, and arrangement of the materials of the Site and
any and all copyrightable material (including source and object code);
(ii) trademarks, logos, trade names, trade dress, service marks, and
trade identities of various parties, including those of Sontiq, its
clients, and its vendors including but not limited to TransUnion®,
Experian®, Equifax®, AIG®, Assurant®, or Hamilton Insurance DAC®
(collectively, “Trademarks”); and (iii) other forms of intellectual
property (all of the foregoing, collectively, “Content”).
2. Ownership. The Site and the Content are owned or controlled by Sontiq and
our licensors and certain other third parties. All right, title, and
interest in and to the Content available via the Site is the property of
Sontiq or our licensors or certain other third parties, and is protected
by U.S. and international copyright, trademark, trade dress, patent
and/or other intellectual property and unfair competition rights and laws
to the fullest extent possible. Sontiq owns the copyright in the
selection, compilation, assembly, arrangement, and enhancement of the
Content on the Site.
3. Limited License. Subject to your strict compliance with this Agreement
and the Additional Terms, Sontiq grants you a limited, non-exclusive,
revocable, non-assignable, personal, and non-transferable license to:
download (temporary storage only when accessing via a standard Internet
browser), display, view, use, play, and/or print one (1) copy of the
Content on a personal computer, mobile phone or other wireless device, or
other Internet enabled device (each, a “Device”) for your personal,
non-commercial use only. The foregoing limited license: (i) does not give
you any ownership of, or any other intellectual property interest in, any
Content, and (ii) may be immediately suspended or terminated for any
reason, in Sontiq’s sole discretion, and without advance notice or
liability. In some instances, we may permit you to have greater access to
and use of Content, subject to certain Additional Terms. If you enroll in
certain of our subscription-based products or services, during your
Subscription Term (defined below), we provide you with a non-exclusive
and revocable license to access and/or download our online protection
tools and other services available through our App.
2. Membership and Payment Terms
Sontiq can only provide certain products and services to those individuals who
are either U.S. or Canadian citizens or residents while other products and
services may be available to residents of specific countries outside of North
America as specifically made available on the Site. Depending upon the
membership or other services you enroll in, register for, or otherwise sign up
for or subscribe to use (collectively, “enroll”), we may permit you to be
enrolled: (i) by telephone, (ii) at our Site, (iii) by some other method we
expressly permit, or (iv) by a third party who is authorized to enroll you on
your behalf (collectively, the “Enrollment Process”). If your membership is paid
for by a third party, you will not be asked to provide payment information and
you will not be charged for the membership program you enroll in. Otherwise,
Sontiq will charge the membership fee and each renewal fee to your credit card
or bank account, at the then prevailing rate and your membership will continue
automatically. Sontiq will charge this membership fee to the credit card or bank
account that was most recently used on the Site or otherwise provided at the
time of registration. By submitting your credit card or bank account information
to us, you hereby agree that you authorize us to charge your card or your bank
account, as applicable, at our convenience but in any event within thirty (30)
days of initial credit card or bank account authorization and thereafter
automatically within thirty (30) days after each renewal date. Should your
credit card or online check fail to authorize, you will be notified via email to
the email address provided to us by you. The benefits of your membership
(including, without limitation, online credit reports and monitoring alerts) may
be suspended until payment is received. If payment is not received within thirty
(30) days, any previous alerts you have received may be purged from our
database, and your membership may be cancelled. You agree that Sontiq will not
be liable to you or any third party for termination of your membership or access
to the Site.
Subscription Term & Termination
Except in the event of a trial offer, your subscription will commence as of the
date your payment for a subscription is received by Sontiq. Your subscription
will continue in full force for the length of the term you specifically
purchased or on a month-to-month term until such time as you cancel the
subscription as further explained below (the “Subscription Term”). In the event
that you cancel a subscription in the middle of your Subscription Term, you will
be entitled to receive a refund for the unused portion of the remainder of that
Subscription Term. Sontiq will have the right, upon written notice to you, to
terminate this Agreement, and suspend your access to your subscription, if: (a)
you fail to pay Sontiq any amount due to Sontiq under this Agreement; and/or (b)
you materially breach any term or condition of this Agreement. Sontiq shall have
the right to terminate this Agreement and suspend your access to your
subscription with or without cause, upon thirty (30) days written notice to you
in which case you will no longer be charged for access to the subscription. Upon
the expiration or termination of this Agreement for any reason, your access to,
and use of, your subscription will terminate.
Trial Periods/Promotional Offerings
We may offer promotional trial subscriptions to access the Site for a limited
time or at special discounted prices. If you sign up for a trial use, your
rights to use the Site are limited by the terms of such trial and will terminate
or renew on the terms of your trial arrangement and/or any applicable Additional
Terms. Please be aware that when you sign up for a trial period, you will be
required to provide your credit card number and Sontiq will confirm your credit
card is valid. When we process your credit card, some credit card companies may
place a temporary hold on your account for your first payment. Please contact
your credit card company if you have questions. Please note that we do not
provide price protection or refunds in the event of a price drop or promotional
offering.
ONCE YOUR TRIAL PERIOD ENDS, WE, OR A THIRD-PARTY PAYMENT PROCESSOR ON OUR
BEHALF, WILL BEGIN BILLING YOUR DESIGNATED PAYMENT METHOD ON A RECURRING BASIS
FOR YOUR SUBSCRIPTION (PLUS ANY APPLICABLE TAXES AND OTHER CHARGES) FOR AS LONG
AS YOUR SUBSCRIPTION CONTINUES, UNLESS YOU CANCEL YOUR SUBSCRIPTION PRIOR TO THE
END OF YOUR TRIAL PERIOD. INSTRUCTIONS FOR CANCELING YOUR MEMBERSHIP
SUBSCRIPTION ARE DESCRIBED BELOW. PLEASE NOTE THAT, DEPENDING ON YOUR METHOD OF
PAYMENT USED, YOU MAY OR MAY NOT RECEIVE A NOTICE FROM US THAT YOUR TRIAL HAS
ENDED OR THAT THE PAID PORTION OF YOUR SUBSCRIPTION HAS BEGUN. WE RESERVE THE
RIGHT TO MODIFY OR TERMINATE TRIAL PERIODS AT ANY TIME, WITHOUT NOTICE AND IN
OUR SOLE DISCRETION.
Communications with Credit Reporting Agencies
As a condition to purchasing any products, services or membership packages from
Sontiq, you agree to authorize us to act as agent on your behalf and in your
name for all purposes in communications and other dealings with any credit
bureau to the extent necessary for Sontiq to deliver the products, services or
packages purchased by you. The communications and other dealings may involve,
amongst other things, placing a fraud alert on your credit file and opting out
of marketing list sales where applicable and available in your local
jurisdiction
Auto-Renewal of Membership
Certain memberships as indicated at the time of purchase, such as monitoring
products and identity theft insurance will automatically renew at the end of
your Subscription Term continuously and indefinitely without action by the
member, and the membership fee is charged to the member at the time of renewal.
An enrollee whose membership fee has been paid is entitled to all privileges
included in the membership until the membership is cancelled by the enrolled
member as set forth in the paragraph below. By providing your payment method
information for your subscription, you are agreeing to pay a subscription fee,
that will automatically renew, at the then current rate, unless you cancel prior
to the expiration of the current Subscription Term, and any applicable taxes and
service fees (collectively, “Fees”). The Fees will be charged to your original
payment method automatically at the beginning of your Subscription Term, and at
the beginning of each renewal Subscription Term thereafter on the calendar day
corresponding to the commencement of your current Subscription Term, unless you
cancel your subscription or your account is suspended or terminated pursuant to
this Agreement. The renewal Subscription Term will be the same length as your
initial Subscription Term unless otherwise disclosed to you at the time of sale.
The rate for the renewal Subscription Term will be the then current
subscription-rate. The Fees charged to your payment method may vary from
Subscription Term to Subscription Term due to changes in your subscription plan
or applicable taxes, and you authorize Sontiq to charge your payment method for
these amounts. Sontiq reserves the right to change the pricing of subscription
at any time. In the event of a price change, Sontiq will post the new pricing on
the Site and attempt to notify you in advance by sending an email to the address
you have registered for your account. You agree that we may change the pricing
we charge you for your subscription and any products/services offered in your
subscription package by providing you with notice through an electronic
communication from us and you agree that all agreements, notices, disclosures,
and other communications that we provide to you electronically satisfy any legal
requirement that such communications be in writing. You consent to our ability
to change our pricing and the details of our subscription packages through an
electronic communication to you. If you do not wish to accept a price or
subscription package change made by us, you may cancel your subscription as
described below, otherwise you will be deemed to have consented to the
price/subscription package change and authorize Sontiq to charge the new Fees to
your payment method. If there are any discrepancies in billing, you hereby waive
your right to dispute such discrepancies if you do not notify Sontiq within
sixty (60) days after they first appear on an account statement.
Cancellation of Membership
A member will have the right to cancel membership at any time upon notice to
Sontiq.
If you are a U.S. resident: you can cancel by phone at (888) 676-6847 or, if you
purchased your membership at www.IdentityForce.com or any Sontiq-branded
website, you can cancel your membership from the Manage Account section of your
member dashboard. Upon cancellation, the member loses access to the areas of the
Site designated for members only. This could include any credit and other data
and analyses that have been displayed during your membership.
If you are a Canadian resident: you can cancel by phone at (866) 272.1223 or, if
you purchased your membership at IdentityForce.com or any Sontiq-branded
website, , you can cancel your membership from the Manage Account section of
your member dashboard.
If you are a resident of a country outside of North America: you can cancel by
phone by calling us at: +1 (866) 205-5983, or (508)-644-8726. You can also
reach out to us by email at customersupport@sontiq.com Upon cancellation, the
member loses access to the areas of the Site designated for members only. This
could include any credit and other data and analyses that have been displayed
during your membership.
Purchases Generally
To purchase any products or services, you must be at least eighteen (18) years
of age or the applicable age of majority in your jurisdiction of residence. All
prices displayed are quoted in U.S. dollars. Prior to the purchase of any
products or services from us, you must provide us with a valid credit card
number and associated payment information including all of the following: (i)
your name as it appears on the card, (ii) your credit card number, (iii) the
credit card type, (iv) the date of expiration, and (v) any activation numbers or
codes needed to charge your card. By submitting that information to us or our
third-party credit card processor, you agree that you authorize us and/or our
processor to charge your card at our convenience but within thirty (30) days of
credit card authorization. For any product or service (including subscriptions)
that you order on the Site, you agree to pay the price applicable (including any
sales taxes and surcharges) as of the time you submit the order. Sontiq will
automatically bill your credit card or other form of payment submitted as part
of the order process for such price.
In order to enroll in, register for and receive one or more services or
memberships, you must provide us with the full and accurate personal information
that we require for the applicable services, which may include without
limitation, your name, address, telephone number, email address, date of birth,
driver’s license number, Social Security Number/Social Insurance Number, and
other personal information to verify your identity, as well as financial
information such as your credit card number. You agree to keep all personal
information updated and accurate. In the event we do not receive all the
required personal information during your Enrollment Process, you agree that we
may, in our sole discretion, use our database, the database of our affiliates,
or other resources to attempt to complete the required personal information on
your behalf. If we are unable to obtain the required personal information or you
fail to authenticate your identity as may be required, the services for which
you have enrolled or registered from us may be limited. Upon completion of the
Enrollment Process, and payment to us of any fees owed, you will become eligible
to receive the services for which you have enrolled or registered.
YOU REPRESENT THAT YOU ARE A NATURAL PERSON OVER EIGHTEEN (18) YEARS OF AGE,
THAT YOUR ACCESS TO OR USE OF THE SITE DOES NOT VIOLATE APPLICABLE LAWS, AND
THAT YOU AGREE WITH ALL THE TERMS OF THIS AGREEMENT. FURTHER, IF YOU ENROLL IN
OR USE OUR CREDIT MONITORING SERVICE AND/OR ANY OF OUR PROTECTION PROGRAMS, YOU
ALSO REPRESENT AND WARRANT THAT YOU HAVE PROVIDED US WITH YOUR VALID SOCIAL
SECURITY NUMBER (IN THE U.S.), SOCIAL INSURANCE NUMBER (IN CANADA), OR OTHER
NATIONAL IDENTIFICATION NUMBER (IF OUTSIDE OF THE U.S./CANADA), AND THAT YOU
SHALL ONLY USE SUCH SERVICES IN CONNECTION WITH YOUR PERSONAL AND BUSINESS
ACCOUNTS THAT ARE DIRECTLY ASSOCIATED WITH YOUR VALID SOCIAL SECURITY
NUMBER/SOCIAL INSURANCE NUMBER/NATIONAL IDENTIFICATION NUMBER.
Methods of Payment, Credit Card Terms and Taxes
All payments must be made using a payment card such as Visa, MasterCard,
Discover or American Express. Your card issuer agreement governs your use of
your designated card, and you must refer to that agreement and not these Terms
to determine your rights and liabilities as a cardholder. You represent and
warrant that you will not use any credit card or other form of payment unless
you have all necessary legal authorization to do so. YOU, AND NOT Sontiq, ARE
RESPONSIBLE FOR PAYING ANY UNAUTHORIZED AMOUNTS BILLED TO YOUR CREDIT CARD BY A
THIRD PARTY. You agree to pay all fees and charges incurred in connection with
your purchases (including any applicable taxes) at the rates in effect when the
charges were incurred. Unless you notify Sontiq of any discrepancies within
sixty (60) days after they first appear on your credit card statement, you agree
that they will be deemed accepted by you for all purposes. If Sontiq does not
receive payment from your credit card issuer or its agent, you agree to pay all
amounts due upon demand by Sontiq or its agents. Sales taxes, or other taxes,
customs, import/export charges, or similar governmental charges are not included
in the price of the products. You are responsible for paying any such taxes or
charges imposed on your purchases, including, but not limited to, sales, use or
value-added taxes. Sontiq shall automatically charge and/or withhold the
applicable tax for orders in any states or localities that it deems is required
in accordance with our order policy in effect at the time of purchase.
Refund Policy
All purchase transactions made through the Site are subject to Sontiq’s refund
policy in effect at the time of purchase. Currently, Sontiq’s refund policy is
that in the event that you cancel a subscription in the middle of your
Subscription Term, you will be entitled to receive a refund for the unused
portion of the remainder of that Subscription Term.
Order Acceptance Policy
Your receipt of an electronic or other form of order confirmation does not
signify our acceptance of your order, nor does it constitute confirmation of our
offer to sell. Sontiq reserves the right at any time after receipt of your order
to accept or decline your order for any reason. Sontiq further reserves the
right any time after receipt of your order, without prior notice to you, to
supply less than the quantity you ordered of any item. Your order will be deemed
accepted by Sontiq after you sign-up and accept this Agreement. We may require
additional verifications or information before accepting any order.
Notwithstanding the foregoing, you agree that, if we cancel all or a portion of
your order or if we provide you less than the quantity you ordered, your sole
and exclusive remedy is either that: (a) we will issue a credit to your credit
card account in the amount charged for the cancelled portion or the quantity not
provided (if your credit card has already been charged for the order); or (b) we
will not charge your credit card for the cancelled portion of the order or the
quantity not provided. Do not assume that a cancellation or change of an order
you have placed with Sontiq is effective until you receive a confirmation from
Sontiq via email or the Site. As stated above, you will be responsible for, and
your credit card or third-party payment account may be charged for, the payment
of all fees associated with orders already processed or shipped before your
cancellation/change request or a request to terminate your account was received.
No Responsibility to Sell Mispriced Products or Services
We do our best to describe every item, product or service offered on this Site
as accurately as possible. However, we are human, and therefore we do not
warrant that specifications or pricing on the Site is complete, accurate,
reliable, current, or error-free. In the event of any errors relating to the
pricing or specifications of any item, product or service, Sontiq shall have the
right to refuse or cancel any orders in its sole discretion. If we charged your
credit card or other account prior to cancellation, we will issue a credit to
your account in the amount of the charge. Additional terms may apply.
Modification to Prices or Billing Terms
The purchase of products and services on the Site is subject to availability.
PRODUCTS AND SERVICES DISPLAYED ON THE SITE MAY NOT BE AVAILABLE AT ALL TIMES
AND MAY BE SUBSTITUTED OR DISCONTINUED AT ANY TIME. SONTIQ RESERVES THE RIGHT,
AT ANY TIME, TO CHANGE ITS PRICES AND BILLING METHODS FOR SERVICES SOLD,
EFFECTIVE IMMEDIATELY UPON POSTING ON THE SITE OR BY E-MAIL DELIVERY TO YOU.
3. Site and Content Use Restrictions
You may not use the Site or any Content in a manner which is prohibited by this
Agreement. All rights not expressly granted to you are reserved by Sontiq and
its licensors and other third parties.
1. Site Use Restrictions. You agree that you will not: (i) aside from your
purchase of goods or services offered for sale by Sontiq or its affiliates,
use the Site for any political or commercial purpose; (ii) use any meta tags
or any other “hidden text” utilizing any Trademarks; (iii) engage in any
activities through or in connection with the Site that seek to attempt to or
do harm to any individuals or entities or are unlawful, offensive, obscene,
lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or
that violate any right of any third party, or are otherwise objectionable to
Sontiq; (iv) reverse engineer, decompile, disassemble, reverse assemble, or
modify any Site source or object code or any software or other products,
services, or processes accessible through any portion of the Site; (v)
engage in any activity that interferes with your access to the Site or the
proper operation of the Site, or otherwise causes harm to the Site, Sontiq,
or other users of the Site; (vi) interfere with or circumvent any security
feature of the Site or any feature that restricts or enforces limitations on
use of or access to the Site, the Content, or the User-Generated Content
(defined below); (vii) harvest or otherwise collect or store any information
(including personally identifiable information about other users of the
Site, including e-mail addresses, without the express consent of such
users); (viii) attempt to gain unauthorized access to the Site, other
computer systems or networks connected to the Site, through password mining
or any other means; (ix) forge headers, create a false identity or otherwise
manipulate identifiers in order to deceive others or disguise the origin of
any Content transmitted to or via the Site; (x) use the Site to solicit
others to join or become members of any other commercial online service or
other organizations or (xi) otherwise violate this Agreement or any
Additional Terms.
2. Content Use Restrictions. You also agree that, in using the Site: (i) you
will not monitor, gather, copy, or distribute the Content (except as may be
a result of standard search engine activity or use of a standard browser) on
the Site by using any robot, rover, “bot”, spider, scraper, crawler,
spyware, engine, device, software, extraction tool, or any other automatic
device, utility, or manual process of any kind; (ii) you will not frame or
utilize framing techniques to enclose any such Content (including any
images, text, or page layout); (iii) you will keep intact all Trademark,
copyright, and other intellectual property notices contained in such
Content; (iv) you will not use such Content in a manner that suggests an
unauthorized association with any of our or our licensors’ products,
services, or brands; (v) you will not make any modifications to such
Content; (vi) you will not copy, modify, reproduce, archive, sell, lease,
rent, exchange, create derivative works from, publish by hard copy or
electronic means, publicly perform, display, disseminate, distribute,
broadcast, retransmit, circulate or transfer to any third party or on any
third-party application or website, or otherwise use or exploit such Content
in any way for any purpose except as specifically permitted by this
Agreement or any Additional Terms or with the prior written consent of an
officer of Sontiq or, in the case of Content from a licensor, the owner of
the Content; and (vii) you will not insert any code or product to manipulate
such Content in any way that adversely affects any user experience.
4. Disclaimer or Warranties
OUR SITE, INCLUDING ALL CONTENT, MEMBERSHIPS, MEMBERSHIP PACKAGES,
SUBSCRIPTIONS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS
SITE, IS PROVIDED TO YOU “AS IS”. EXCEPT TO THE EXTENT EXPRESSLY STATED HEREIN,
TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER SONTIQ NOR ITS
PARTNERS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE
CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE
SITE OR THE USE THEREOF IN TERMS OF THEIR COMPLETENESS, CORRECTNESS, ACCURACY,
ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY, FREEDOM FROM COMPUTER VIRUS OR
OTHERWISE OR AND WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF
PERFORMANCE; THAT YOU WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO
OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES; THAT OUR SITE, MEMBERSHIPS,
PRODUCTS OR SERVICES WILL BE ERROR FREE; THAT DEFECTS WILL BE CORRECTED, THAT
THIS SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR
OTHER HARMFUL COMPONENTS OR THAT THERE WILL BE NO UNAUTHORIZED ACCESS TO YOUR
PERSONAL INFORMATION. IN ADDITION, EXCEPT FOR THE LIMITED WARRANTY EXPRESSLY SET
FORTH IN THIS AGREEMENT UNDER THE SECTION ENTITLED “LIMITED WARRANTY”, SONTIQ
AND ITS PARTNERS EXPRESSLY DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES,
INCLUDING, WITHOUT LIMITATION, AS TO TITLE, MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU
AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, MEMBERSHIPS, PRODUCTS, SERVICES
AND CONTENT ARE AT YOUR OWN RISK.
5. Limitation of Liability
THE ENTIRE RISK ARISING OUT OF THE USE OF THE SITE, THE USE OF ANY PRODUCTS
AND/OR SERVICES OFFERED ON OR IN CONNECTION WITH THE SITE AND/OR THE USE OF ANY
CONTENT REMAINS WITH YOU. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT
NEITHER SONTIQ NOR ITS PARTNERS HAVE ANY LIABILITY TO YOU (WHETHER BASED IN
CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT,
INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES (WHICH SHALL INCLUDE, WITHOUT
LIMITATION, DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, BUSINESS
INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT
OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT,
MEMBERSHIPS, PRODUCTS 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.
IN NO EVENT SHALL SONTIQ BE LIABLE FOR ANY LOSS OR DAMAGES ARISING OUT OF
SONTIQ’S PERFORMANCE OR NON-PERFORMANCE OF ITS SERVICES OR ANY DELAY IN
PROVIDING SERVICES NOR SHALL SONTIQ HAVE ANY ADDITIONAL LIABILITY TO YOU EXCEPT
AS STATED HEREIN.
YOU UNDERSTAND THAT WE ONLY MONITOR YOUR PERSONAL INFORMATION WITHIN OUR NETWORK
USING CERTAIN PROPRIETARY TECHNOLOGIES AND DATABASE INFORMATION OWNED BY OR
UNDER LICENSE TO US, BUT NOT ALL TRANSACTIONS, INCLUDING THOSE THAT MIGHT ENTAIL
THE POTENTIALLY FRAUDULENT USE OF A CUSTOMER’S INFORMATION, MAY BE MONITORED AND
THE SCOPE OF THE NETWORK UTILIZED BY US TO PROVIDE ALERTS MAY CHANGE. YOU ALSO
UNDERSTAND AND AGREE THAT IT MAY TAKE UP TO FOUR (4) WEEKS FROM THE DATE YOU
ACCEPT THESE SERVICE TERMS AND COMPLETE THE ENROLLMENT PROCESS FOR ALL OF THE
SERVICES TO BE FULLY ACTIVATED.
THESE LIMITATIONS WILL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF
ANY LIMITED REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW
LONG AN IMPLIED WARRANTY LASTS, OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR
CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
IN NO EVENT SHALL THE LIABILITY OF SONTIQ EXCEED THE FEES YOU PAID FOR THE
SERVICES IN THE PRECEDING TWELVE (12) MONTHS.
6. Indemnification
You agree to, and you hereby, defend, indemnify, and hold Sontiq harmless from
and against any and all claims, damages, losses, costs, investigations,
liabilities, judgments, fines, penalties, settlements, interest, and expenses
(including attorneys’ fees) that directly or indirectly arise from or are
related to any claim, suit, action, demand, or proceeding made or brought
against Sontiq, arising out of or in connection with: (i) your use of the Site
and your activities in connection with the Site; or (ii) your breach or alleged
breach of this Agreement or any Additional Terms; (iii) your violation or
alleged violation of any laws, rules, regulations, codes, statutes, ordinances,
or orders of any governmental or quasi-governmental authorities in connection
with your use of the Site or your activities in connection with the Site; (iv)
information or material transmitted through your Device, even if not submitted
by you, that infringes, violates, or misappropriates any copyright, trademark,
trade secret, trade dress, patent, publicity, privacy, or other right of any
person or entity; (v) any misrepresentation made by you; and (vi) Sontiq’s use
of the information that you submit to us (all of the foregoing, “Claims and
Losses”). You will cooperate as fully required by Sontiq in the defense of any
Claim and Losses. Notwithstanding the foregoing, Sontiq retains the exclusive
right to settle, compromise, and pay any and all Claims and Losses. Sontiq
reserves the right to assume the exclusive defense and control of any Claims and
Losses. You will not settle any Claims and Losses without, in each instance, the
prior written consent of an officer of Sontiq.
7. Identity Theft Insurance & Restoration Services
The identity theft insurance benefit for members is underwritten and
administered by any one of the following insurance carriers depending upon your
program: AIG®, Assurant, or Hamilton Insurance DAC and/or its affiliates.
Coverage is provided under a master group policy issued in the name of Sontiq,
Inc. for the benefit of members. A summary of the terms of coverage are set
forth on your account dashboard under the “Support” tab. Details identifying
your applicable insurance carrier and other policy information can be found
there. The complete policy is available from Sontiq on request. Sontiq’s
insurance carrier administers all claims and Sontiq shall have no responsibility
with respect to such identify theft benefit. Restoration services are provided
by Sontiq.
8. Registration and Accurate Information
If you decide to register on our Site, become a member of one of our membership
programs, purchase our products or services or participate in our partner
programs, contests or surveys, you may be required to register, provide personal
information, and select a username and password. If you register for any feature
that requires a password and/or username, then you will select your own password
at the time of registration (or we may send you an e-mail notification with a
randomly generated initial password) and you agree that: (i) You will not use a
username (or e-mail address) that is already being used by someone else, may
impersonate another person, belongs to another person, violates the intellectual
property or other right of any person or entity, or is offensive. We may reject
the use of any password, username, or e-mail address for any other reason in our
sole discretion; (ii) You will provide true, accurate, current, and complete
registration information about yourself in connection with the registration
process and, as permitted, to maintain and update it continuously and promptly
to keep it accurate, current, and complete; (iii) You are solely responsible for
all activities that occur under your account, password, and username – whether
or not you authorized the activity; (iv) You are solely responsible for
maintaining the confidentiality of your password and for restricting access to
your Device so that others may not access any password protected portion of the
Site using your name, username, or password; (v) You will immediately notify us
of any unauthorized use of your account, password, or username, or any other
breach of security; and (vi) You will not sell, transfer, or assign your account
or any account rights.
We will not be liable for any loss or damage (of any kind and under any legal
theory) to you or any third party arising from your inability or failure for any
reason to comply with any of the foregoing obligations.
If any information that you provide, or if we have reasonable grounds to suspect
that any information that you provide, is false, inaccurate, outdated,
incomplete, or violates this Agreement, any Additional Terms, or any applicable
law, then we may suspend or terminate your account. We also reserve the more
general and broad right to terminate your account or suspend or otherwise deny
you access to it or its benefits – all in our sole discretion, for any reason,
and without advance notice or liability.
While Sontiq takes reasonable measures to safeguard and to protect unauthorized
access to your personal information, we cannot be responsible for the acts of
those who gain unauthorized access, and we make no warranty, express or implied,
that we will prevent unauthorized access to your private information.
9. Free Access to the Credit File Information held by the Credit Bureaus
Notice regarding Access for U.S. users under Fair Credit Reporting Act (FCRA)
The FCRA allows you to obtain from each credit reporting agency a disclosure of
all the information in your credit file at the time of the request. Full
disclosure of information in your file at a credit reporting agency must be
obtained directly from such credit reporting agency. The credit report you are
requesting from Sontiq is not intended to constitute the disclosure of
information by Experian, Equifax, and/or TransUnion as required by the FCRA or
similar laws.
The FCRA provides that you may dispute inaccurate or incomplete information in
your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM
Sontiq IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT
OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE
THREE (3) NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING
AGENCY.
The FCRA allows you to obtain a free disclosure from every national credit
reporting agency of the nature and substance of all information in your file at
the time of the request. You may request your free annual report under the FCRA,
at www.annualcreditreport.com
In addition, the FCRA allows you to obtain a copy of all of the information in
your consumer credit file from consumer reporting agencies for a reasonable
charge.
You are also entitled to receive a disclosure free of charge directly from the
consumer reporting agency under the following circumstances:
* You have been denied credit, insurance or employment within the past sixty
(60) days as a result of your credit report.
* You certify in writing that your are unemployed and intend to apply for
employment in the sixty (60)-day period beginning on the date on which you
made the certification.
* You are a recipient of public welfare assistance.
* You have reason to believe that your file at the credit reporting agency
contains inaccurate information due to fraud.
The FCRA permits you to dispute inaccurate or incomplete information in your
credit file. Accurate information cannot be changed.
You do not have to purchase your credit report or other information from Sontiq
to dispute inaccurate or incomplete information in your Experian, Equifax and/or
TransUnion file or to receive a copy of your Experian, Equifax and/or TransUnion
file.
If you reside in the States of Colorado, Maine, Massachusetts, Maryland, New
Jersey, Puerto Rico or Vermont you may receive a free copy of your consumer
credit report once per year and if you are a resident of the State of Georgia
you may receive two (2) copies per year.
Click here for a full text of your summary of rights under the FCRA.
Notice regarding Access for Canadian users by the Financial Consumer Agency of
Canada
Canadian law and rights enforced by the Financial Consumer Agency of Canada
allow you to obtain from each of the two major Canadian credit bureaus, a
disclosure of all the information in your credit file at the time of the
request. Full disclosure of information in your file at a credit bureau must be
obtained directly from such bureau. The credit report you are requesting from
Sontiq is not intended to constitute the disclosure of information by Equifax
Canada and/or TransUnion Canada as required by Canadian laws, Fair Information
Practices, or the rights enforced by the Financial Consumer Agency of Canada.
Canadian law provides that you may dispute inaccurate or incomplete information
in your credit report and regarding data held about you by other entities. YOU
ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM SONTIQ IN ORDER TO DISPUTE
INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR
REPORT FROM EQUIFAX CANADA AND/OR TRANSUNION CANADA.
The Financial Consumer Agency of Canada allows you to obtain a free disclosure
from both of the national credit bureaus of the nature and substance of all
information in your file at the time of the request. Note that Equifax Canada
refers to your credit report as “credit file disclosure” while TransUnion Canada
refers to your credit report as “consumer disclosure”.
You may request your free annual report:
By mail or fax
* Make your request in writing using the forms provided by Equifax and
TransUnion
* Provide copies of two pieces of acceptable identification, such as a driver’s
license or passport
* You must receive your credit report by mail
By telephone
* Call the credit bureau and follow the instructions
* Equifax Canada
Tel: 1-800-465-7166
* TransUnion Canada
Tel: 1-800-663-9980 (except Quebec)
Tel: 1-877-713-3393 (Quebec residents)
* Confirm your identity by answering a series of personal and financial
questions
* You may also need to provide your Social Insurance Number and/or a credit
card number to confirm your identity
* You must receive your credit report by mail
By accessing online
You may pay a fee to order your credit report online if you want to see it right
away. TransUnion allows you to order your credit report online once a month for
free.
Canadian law permits you to dispute inaccurate or incomplete information in your
credit file. Accurate information cannot be changed.
You do not have to purchase your credit report or other information from Sontiq
to dispute inaccurate or incomplete information in your Equifax Canada and/or
TransUnion Canada file or to receive a copy of your Equifax Canada and/or
TransUnion Canada file.
Click here for a full text and explanation of rights provided by the Financial
Consumer Agency of Canada.
10. Feedback You Submit
1. General. Sontiq may now or in the future offer users of the Site the
opportunity to post, upload, display, publish, distribute, transmit or
otherwise make available on or submit through the Site, messages, text,
files, comments, responses, information, content, results, ratings,
reviews, suggestions, data, questions, personally identifiable
information, or other information or materials and the ideas contained
therein (collectively, “User-Generated Content”). Sontiq may allow you
to do this through contact us, email, and other communications
functionality. Subject to the rights and license you grant in this
Agreement, you retain whatever legally cognizable right, title, and
interest that you have in your User-Generated Content and you remain
ultimately responsible for it.
2. Non-Confidentiality of Your User-Generated Content. Except as otherwise
described in the Site’s posted Privacy Notice or any Additional Terms,
you agree that: (a) your User-Generated Content will be treated as
non-confidential – regardless of whether you mark them “confidential,”
“proprietary,” or the like – and will not be returned; and (b) Sontiq
does not assume any obligation of any kind to you or any third party
with respect to your User-Generated Content. Upon Sontiq’s request, you
will furnish us with any documentation necessary to substantiate the
rights to such content and to verify your compliance with this Agreement
or any Additional Terms. You acknowledge that the Internet and mobile
communications may be subject to breaches of security and that you are
aware that submissions of User-Generated Content may not be secure, and
you will consider this before submitting any User-Generated Content and
do so at your own risk. In your communications with Sontiq, please keep
in mind that we do not seek any unsolicited ideas or materials for
products or services, or even suggested improvements to products or
services, including, without limitation, ideas, concepts, inventions, or
designs for software, apps, books, websites, products, services or
otherwise (collectively, “Unsolicited Ideas and Materials”). Any
Unsolicited Ideas and Materials you post on or send to us via the Site
are deemed User-Generated Content and licensed to us as set forth below.
In addition, Sontiq retains all of the rights held by members of the
general public with regard to your Unsolicited Ideas and Materials.
Sontiq’s receipt of your Unsolicited Ideas and Materials is not an
admission by Sontiq of their novelty, priority, or originality, and it
does not impair Sontiq’s right to contest existing or future
intellectual property rights relating to your Unsolicited Ideas and
Materials.
3. License to Sontiq of Your User-Generated Content. Except as otherwise
described in any applicable Additional Terms, which specifically govern
the submission of your User-Generated Content), you hereby grant to
Sontiq, and you agree to grant to Sontiq, the non-exclusive,
unrestricted, unconditional, unlimited, worldwide, irrevocable,
perpetual, and cost-free right and license to use, copy, record,
distribute, reproduce, disclose, sell, re-sell, sublicense (through
multiple levels), display, publicly perform, transmit, publish,
broadcast, translate, make derivative works of, and otherwise use and
exploit in any manner whatsoever, all or any portion of your
User-Generated Content (and derivative works thereof), for any purpose
whatsoever in all formats, on or through any means or medium now known
or hereafter developed, and with any technology or devices now known or
hereafter developed, and to advertise, market, and promote the same.
Without limitation, the granted rights include the right to: (a)
configure, host, index, cache, archive, store, digitize, compress,
optimize, modify, reformat, edit, adapt, publish in searchable format,
and remove such User-Generated Content and combine same with other
materials, and (b) use any ideas, concepts, know-how, or techniques
contained in any User-Generated Content for any purposes whatsoever,
including developing, producing, and marketing products and/or services.
In order to further effect the rights and license that you grant to
Sontiq to your User-Generated Content, you also hereby grant to Sontiq,
and agree to grant to Sontiq, the unconditional, perpetual, irrevocable
right to use and exploit your name, persona, and likeness in connection
with any User-Generated Content, without any obligation or remuneration
to you. Except as prohibited by law, you hereby waive, and you agree to
waive, any moral rights (including attribution and integrity) that you
may have in any User-Generated Content, even if it is altered or changed
in a manner not agreeable to you. To the extent not waivable, you
irrevocably agree not to exercise such rights (if any) in a manner that
interferes with any exercise of the granted rights. You understand that
you will not receive any fees, sums, consideration, or remuneration for
any of the rights granted in this Section 10(C).
11. Links By You to the Site
We grant you a limited, non-exclusive, revocable, non-assignable, personal, and
non-transferable license to create hyperlinks to the Site, so long as: (a) the
links only incorporate text, and do not use any Trademarks, (b) the links and
the content on your website do not suggest any affiliation with Sontiq or cause
any other confusion, and (c) the links and the content on your website do not
portray Sontiq or its products or services in a false, misleading, derogatory,
or otherwise offensive matter, and do not contain content that is unlawful,
offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing,
or abusive, or that violate any right of any third party or are otherwise
objectionable to Sontiq.
12. Dispute Resolution and Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS
1. Disputes Subject to Arbitration. Sontiq and the member agree to arbitrate
all disputes and claims between and among them, including, but not limited
to:
1. claims arising out of or relating to any aspect of the relationship between
Sontiq and the member, whether based in contract, tort, statute, fraud,
misrepresentation or any other legal theory;
2. claims that arose before this or any prior agreement between Sontiq and the
member (including, but not limited to, claims relating to advertising or
disclosures of Sontiq); and
3. claims that may arise after the termination of the Agreement.
Notwithstanding the foregoing, Sontiq and member may bring an individual action
in small claims court, provided that it seeks relief that does not affect other
members or customers of Sontiq.
Any dispute as to the arbitrability of claims or the scope or enforceability of
this arbitration provision, or as to the interpretation of Section 12(B) below,
is for the court to decide. This Agreement evidences a transaction in interstate
commerce, and thus the Federal Arbitration Act governs the interpretation and
enforcement of this Section of the Agreement. This arbitration provision
contained in this Section of the Agreement shall survive termination of the
agreement between us.
2. Starting the Dispute-Resolution Process. A party (i.e., Sontiq or the
member) who intends to seek arbitration must first send to the other, by
certified mail, a written Notice of Dispute (“Dispute Notice”). The Notice
to Sontiq should be sent to the address provided in Section 14 of this
Agreement. The Dispute Notice must: (i) provide the member’s mailing
address, phone number, and account name (if any); (ii) describe the nature
and basis of the claim or dispute; and (iii) set forth the specific relief
sought (“Demand”). Thereafter, Sontiq and the member shall confer in good
faith to attempt to resolve the claim or dispute. If Sontiq and the member
do not reach an agreement to resolve the claim or dispute within forty-five
(45) days after the Dispute Notice is received, the member or Sontiq may
commence an arbitration proceeding with the Judicial Arbitration and
Mediation Services Inc. (“JAMS”).
3. Costs of Arbitration. Sontiq will pay all JAMS filing, administration, and
arbitrator fees for any arbitration we initiate. The payment of those fees
for any arbitration that the member initiates will be governed by the JAMS’
streamlined Arbitration Rules and Procedures. However, if you initiate an
arbitration in accordance with the notice requirements of Section 12(B) and
are seeking relief valued at $500US or less (both to the member and Sontiq),
Sontiq will pay all JAMS filing, administration, and arbitrator fees. If the
member’s claim is for greater than $500US but less than $10,000US, Sontiq
will pay all such fees in excess of $20US. After Sontiq receives a notice
that the member has commenced an arbitration, Sontiq will promptly reimburse
the member for any portion of the filing fee that the member paid that
Sontiq has agreed to pay.If the arbitrator finds that either the substance
of the member’s claim or the relief sought in the Demand is frivolous or
brought for an improper purpose (as measured by the standards set forth in
Federal Rule of Civil Procedure 11(b)), then the payment of all JAMS filing,
administration, and arbitrator fees shall be governed by the JAMS Rules, and
the member agrees to reimburse Sontiq for any amounts it paid on to JAMS on
the member’s behalf.
4. Arbitration Procedures. The arbitrator shall be bound by the terms of this
arbitration provision. The arbitration will be governed by the JAMS’
streamlined Arbitration Rules and Procedures (collectively, “JAMS Rules”),
as modified by this arbitration provision. JAMS shall administer the
arbitration. If JAMS is unavailable, the arbitration will be administered by
another arbitration provider that the parties agree to or that the court
selects.Unless Sontiq and the member otherwise agree, any arbitration
hearings will take place in the county (or parish) of the member’s residence
at the time of the filing of the Demand with JAMS. If the member brings a
claim for $10,000US or less, we agree that the member may choose whether the
arbitration will be conducted solely on the basis of documents submitted to
the arbitrator, through a telephonic hearing, or by an in-person hearing as
established by the JAMS Rules. If the member’s claim exceeds $10,000US, the
right to a hearing will be determined by the JAMS Rules.Arbitrators shall be
bound by rulings in prior arbitrations involving the same customer to the
extent required by applicable law.Unless the parties agree otherwise, Sontiq
and the member must bring all directly related claims in a single
arbitration proceeding. If Sontiq or the member later initiate a subsequent
arbitration asserting claims that are directly related to ones that were
raised in a prior arbitration between the same parties, JAMS or the
arbitrator shall either: (i) consolidate the subsequent arbitration with the
earlier proceeding if it is ongoing; or (ii) dismiss any claims raised in
the subsequent arbitration that would be barred by applicable law if brought
in court.Regardless of the manner in which the arbitration is conducted, the
arbitrator shall issue a reasoned written decision sufficient to explain the
essential findings and conclusions on which the award is based. Although
under some laws Sontiq may have a right to an award of attorneys’ fees and
expenses if it prevails in an arbitration, Sontiq agrees that it will not
seek such an award unless the member is represented by an attorney and the
arbitrator has determined that the member’s claim is frivolous or brought
for an improper purpose (as measured by the standards of Federal Rule of
Civil Procedure 11(b)).
5. Prohibition of Class or Representative Actions and Non-Individualized
Relief. Sontiq AND THE MEMBER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE
OTHER ONLY IN THEIR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS
MEMBER, OR PARTICIPANT IN ANY PURPORTED CLASS, REPRESENTATIVE, OR PRIVATE
ATTORNEY GENERAL PROCEEDING. Further, unless both Sontiq and the member
agree otherwise, the arbitrator may not consolidate more than one person’s
claims, and may not otherwise preside over any form of a class,
representative, or private attorney general proceeding. The arbitrator may
award any relief that a court could award, so long as the relief is
individualized to the claimant and would not affect other Sontiq members or
customers. Neither Sontiq nor the member may seek non-individualized relief
that would affect other Sontiq members or customers. If a court decides that
applicable law precludes enforcement of any of this paragraph’s limitations
as to a particular claim for relief, then that claim (and only that claim)
must be severed from the arbitration and may be brought in court.
6. Future Changes to Agreement to Arbitrate. Notwithstanding any provision in
this Agreement to the contrary, we agree that if Sontiq makes any future
change to this arbitration provision (other than a change to the address in
the Notice Section, website links, or telephone numbers outlined in this
Agreement), any such changes will not affect disputes that arose before the
effective date of the change.
13. Updates to Agreement
THIS AGREEMENT AND CONDITIONS UNDER WHICH WE OFFER THE SITE MAY PROSPECTIVELY BE
MODIFIED AND WE MAY CEASE OFFERING THE SITE UNDER THE AGREEMENT OR ADDITIONAL
TERMS FOR WHICH THEY WERE PREVIOUSLY OFFERED. ACCORDINGLY, EACH TIME YOU SIGN IN
TO OR OTHERWISE USE THE SITE YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON
THE THEN APPLICABLE AGREEMENT AND CONDITIONS AND YOU AGREE THAT WE MAY NOTIFY
YOU OF OTHER AGREEMENTS BY POSTING THEM ON THE SITE (OR IN ANY OTHER REASONABLE
MANNER OF NOTICE WHICH WE ELECT), AND THAT YOUR USE OF THE SITE AFTER SUCH
NOTICE CONSTITUTES YOUR GOING FORWARD AGREEMENT TO THE OTHER AGREEMENT FOR YOUR
NEW USE AND TRANSACTIONS. Therefore, you should review the posted Terms of Use
and any applicable Additional Terms each time you use the Site. The Additional
Terms will be effective as to new use and transactions as of the time that we
post them, or such later date as may be specified in them or in other notice to
you. However, the Agreement (and any applicable Additional Terms) that applied
when you previously used the Site will continue to apply to such prior use
(i.e., changes and additions are prospective only) unless mutually agreed. In
the event any notice to you of new, revised or Additional Terms is determined by
a tribunal to be insufficient, the prior agreement shall continue until
sufficient notice to establish a new agreement occurs. You can reject any new,
revised or Additional Terms by discontinuing use of the Site and related
services.
14. Notices
You should send any notices or other communications regarding our Site, your
membership, products or services to Sontiq, Inc., 9920 Franklin Square Drive,
Suite 250, Nottingham, MD, 21236, USA.
Except as otherwise provided, we may send any notices to you to the most recent
e-mail address you have provided to us or, if you have not provided an e-mail
address, to any e-mail or postal address that we believe is your address. You
agree that all agreements, notices, disclosures, and other communications that
we provide to you electronically satisfy any legal requirement that such
communications be in writing. If you wish to update your registration
information, please log in to your account or:
* If a U.S. resident contact Customer Service at (888)676-6847.
* If a Canadian resident contact Customer Service at (866) 272-1223.
* If you are a resident of a country outside of the U.S. and Canada, you can
contact Customer Service by calling us at: +1(866) 205-5983 or
(508)-644-8726, or via email to: customersupport@sontiq.com.
15. Miscellaneous
1. Applicable Law. This Agreement will be governed by and construed in
accordance with, and any Dispute and Excluded Dispute will be resolved
in accordance with, the laws of the Commonwealth of Massachusetts,
without regard to its conflicts of law provisions.
2. Relationship of the Parties. You agree that no joint venture,
partnership, employment, or agency relationship exists between you and
Sontiq as a result of this Agreement, our Privacy Notice or any use of
the Site.
3. Operation of Site; Availability of Products and Services; International
Issues. Sontiq controls and operates the Site from its U.S.-based
offices in the U.S.A. The Site may describe products and services that
are available only in the U.S.A. (or only parts of it) and are not
available worldwide. We reserve the right, without any limitation, to:
(i) investigate any suspected breaches of the Site’s security or its
information technology or other systems or networks; (ii) investigate
any suspected breaches of this Agreement and any Additional Terms; (iii)
investigate any information obtained by us in connection with reviewing
law enforcement databases or complying with criminal laws; (iv) involve
and cooperate with law enforcement authorities in investigating any of
the foregoing matters; (v) prosecute violators of this Agreement and any
Additional Terms. We reserve the right to limit the availability of the
Site and/or the provision of any content, program, product, service, or
other feature described or available on the Site to any person, entity,
geographic area, or jurisdiction, at any time and in our sole
discretion, and to limit the quantities of any content, program,
product, Site, or other feature that we provide. You and we disclaim any
application to this Agreement of the Convention on Contracts for the
International Sale of Goods. You may not use or export the any software
or materials made available on the Site in violation of U.S. export laws
and regulations.
4. Severability; Interpretation. If any provision of this Agreement, or any
Additional Terms, is for any reason deemed invalid, unlawful, void, or
unenforceable by a court or arbitrator of competent jurisdiction, then
that provision will be deemed severable from this Agreement or the
Additional Terms, and the invalidity of the provision will not affect
the validity or enforceability of the remainder of this Agreement or the
Additional Terms (which will remain in full force and effect). Section
headings are provided for convenience only and shall not limit the full
Agreement.
5. Termination; Survival. Sontiq reserves the right to discontinue the
Site, in whole or in part, or, except as may be expressly set forth in
any Additional Terms, suspend or terminate your access to it, in whole
or in part, including any user accounts or registrations, at any time,
without notice, for any reason and without any obligation to you or any
third party. Upon suspension or termination of your access to the Site,
or upon notice from Sontiq, all rights granted to you under this
Agreement or any Additional Terms will cease immediately, and you agree
that you will immediately discontinue use of the Site. The provisions of
this Agreement and any Additional Terms, which by their nature should
survive your suspension or termination will survive, including the
rights and licenses you grant to Sontiq in this Agreement, as well as
the indemnities, releases, disclaimers, and limitations on liability and
the provisions regarding jurisdiction, choice of law, no class action,
and mandatory arbitration.
6. Assignment. Sontiq may assign its rights and obligations under this
Agreement and any Additional Terms, in whole or in part, to any party at
any time without any notice. This Agreement and any Additional Terms may
not be assigned by you, and you may not delegate your duties under them,
without the prior written consent of an officer of Sontiq.
7. No Waiver. Except as expressly set forth in this Agreement or any
Additional Terms, (i) no failure or delay by you or Sontiq in exercising
any of rights, powers, or remedies under will operate as a waiver of
that or any other right, power, or remedy, and (ii) no waiver or
modification of any term of this Agreement or any Additional Terms will
be effective unless in writing and signed by the party against whom the
waiver or modification is sought to be enforced.
8. Entire Agreement. This Agreement and our Privacy Notice constitute the
entire agreement between you and Sontiq with respect to the Site, and
they supersede all prior or contemporaneous communications and
proposals, whether electronic, oral or written, between you and Sontiq
with respect to the Site.
16. Terms Applicable For Accessing The App Through An Apple Device
If you are accessing or using the Sontiq App through a Device manufactured
and/or sold by Apple, Inc. (“Apple”, with such a device herein referenced as an
“Apple Device”):
1. To the extent that you are accessing the App through an Apple Device, you
acknowledge that this Agreement is entered into between you and Sontiq and,
that Apple is not a party to this Agreement other than as third-party
beneficiary as contemplated below.
2. The license granted to you in Section 1 of this Agreement is subject to the
permitted Usage Rules set forth in the Apple App Store Terms and Conditions
(see: http://www.apple.com/legal/itunes/us/terms.html) and any third party
terms of agreement applicable to the App.
3. You acknowledge that Sontiq, and not Apple, is responsible for providing
the App and Content thereof.
4. You acknowledge that Apple has no obligation whatsoever to furnish any
maintenance or any support services to you with respect to the App.
5. To the maximum extent permitted by applicable law, Apple will have no other
warranty obligation whatsoever with respect to the App.
6. Notwithstanding anything to the contrary herein, and subject to the terms
in this Agreement, you acknowledge that, solely as between Apple and
Sontiq, Sontiq and not Apple is responsible for addressing any claims you
may have relating to the App, or your possession and/or use thereof,
including, but not limited, to: (i) product liability claims, (ii) any
claim that the App fails to conform to any applicable legal or regulatory
requirement; and (iii) claims arising under consumer protection or similar
legislation.
7. Further, you agree that if the App, or your possession and use of the App,
infringes on a third party’s intellectual property rights, you will not
hold Apple responsible for the investigation, defense, settlement and
discharge of any such intellectual property infringement claims.
8. You acknowledge and agree that Apple, and Apple’s subsidiaries, are
third-party beneficiaries of this Agreement, and that, upon your acceptance
of the terms and conditions of this Agreement, Apple will have the right
(and will be deemed to have accepted the right) to enforce this Agreement
against you as a third-party beneficiary thereof.
9. When using the App, you agree to comply with any and all third-party terms
that are applicable to any platform, website, technology or service that
interacts with the App.
10. You represent and warrant that: (i) 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 (ii) you are not
listed on any U.S. Government list of prohibited or restricted parties.
PRIVACY POLICY
PRIVACY NOTICE
This Privacy Notice was last revised on December 1, 2021.
Sontiq, Inc., is now a TransUnion company. Please note that this Sontiq Privacy
Notice does not cover any products offered by another TransUnion company.
This Privacy Notice describes how we collect, use, share, and protect the
Personal Information you may provide to us and we collect about you. It applies
to Personal Information you may supply when you use our websites, mobile apps,
and other online services we provide that link to this Privacy Notice (“Site”).
When we process your Personal Information, we will always apply the core
principles we have adopted from the European Union’s General Data Protection
Regulation, GDPR, to ensure the information is:
* Used lawfully, fairly and in a transparent way.
* Collected only for valid purposes that we have clearly explained to you and
not used in any way that is incompatible with those purposes.
* Relevant to the purposes we have told you about and limited only to those
purposes.
* Accurate as updated by you from time to time.
* Kept only as long as necessary.
* Kept securely.
We collect Personal Information from you and about you from third parties. This
Privacy Notice does not apply to data we receive from third parties unless it is
combined with Personal Information you have provided to us.
If you do not agree to the terms of this Privacy Notice, please do not provide
us with any Personal Information and do not use this Site. We also recommend
that you review the Site’s Terms of Use. This document governs your use of the
Site.
To print our full Terms of Use, click here. To read or print our full Privacy
Notice, click here. To review the full Privacy Notice, please keep reading.
This notice will answer many of the questions you have about the use of your
information. These include:
* What information does the Site collect?
* How do we use the information collected?
* Where does processing of the information occur?
* How is the information protected?
* How Do I Change My Information and Communications Preferences?
* How and When Do We Share Information with Third Parties?
* How is your information used for advertising?
* Does Third-Party Content, Links to Sites, and/or Apps Appear on the Site?
* How is children’s information processed?
* About Changes to the Privacy Notice?
* Who do I contact with questions and concerns?
* Is there any jurisdictional specific information?
1 WHAT INFORMATION DOES THE SITE COLLECT?
1.1 INFORMATION YOU PROVIDE US
In general, you can use the Site without revealing Personal Information about
yourself. However, we may ask you to provide to us certain categories of
information, such as:
Personal Information, such as your first and last name, phone number, username
and password, credit card number, social security number and email address
(“Personal Information”); and
Demographic Information, such as information about your gender and employment
information (“Demographic Information”). If we combine Demographic Information
with your Personal Information, we will treat the combined data as Personal
Information.
We may collect this information through various forms and in various places in
the Site. If you register for an account, subscribe to our newsletter, through
“contact us” forms, or when interacting with the Site, we may collect Personal
Information.
1.2 LOCATION-BASED INFORMATION
We may use location-based services to determine your location. We do this to
verify your location, deliver you relevant content based on your location, and
to enable the location-based services we offer. You may be able to change the
settings on your Device to prevent it from providing your location.
1.3 INFORMATION THIRD PARTIES PROVIDE ABOUT YOU
We may supplement the Personal Information we collect directly from you with
information from third parties. This allows us to
* enhance our ability to provide the services you have requested,
* tailor our content to you, and
* offer you opportunities that may be of interest to you.
The Site may allow access to third-party websites, online services, or
applications. In return the third-party may provide personal and other
information to us. For example, if you select a social media icon (such as for
Facebook, Twitter, or Instagram), we may have access to the information from
them.
We may also receive information about you from your friends and others that use
the Site. This will happen when they submit content to us or post on the Site.
When we receive information from those sources and combine it with Personal
Information, the new information will be treated as Personal Information under
this Notice.
1.4 INFORMATION WE COLLECT AUTOMATICALLY
In addition to any Personal Information you provide to us, we may use a variety
of technologies that automatically collect certain information whenever you
visit or interact with the Site. When we associate Usage Information with your
Personal Information, we will treat it as Personal Information.
This Usage Information may include:
* Your IP address, UUID – universally unique identifier, or another unique
identifier (“Device Identifier”). This is automatically assigned to your
device.
* Your device functionality (including browser, operating system, hardware,
mobile network information, etc.).
* The areas within our Site that you visit and your activities there, including
remembering you and your preferences.
* Your device location.
* Other device data, such as the time of day.
We use various methods and technologies to store or collect Usage Information
(“Tracking Technologies”). The Tracking Technologies used on the Site include:
Cookies – A cookie is a small data file placed on a device when it is used to
visit the Site. Cookies may be disabled or removed by tools that are available
as part of most commercial browsers. Each browser you use must be set
separately. Please be aware that if you disable or remove cookies on your
device, some parts of our Site may not function properly.
Web Beacons – Web beacons are small images that may be included in our Site and
in our messages. Web Beacons may be used for a number of purposes such as
* * counting visitors to the Site,
* monitoring how users navigate the Site,
* counting how many sent emails were actually opened, or
* counting how many particular links were actually viewed.
Embedded Scripts – An embedded script collects information about how you use the
Site. The code is temporarily downloaded onto your Device while you are
connected to the Site and is deactivated or deleted when you leave.
Browser Fingerprinting – Browser fingerprinting is based on the analysis of
information from your Device. Items such as your operating system, plug-ins,
system fonts and other data are used to create a unique ID to identify your
device.
Entity tags – An entity tag, or ETag, is an opaque identifier assigned by a web
server to a specific version of a resource found at a web server. If the
resource content ever changes, a new and different ETag is assigned. Used in
this manner ETags are a form of Device Identifier. ETag tracking may generate
unique tracking values even where the consumer blocks cookies.
Recognition Technologies – Recognition technologies make assumptions about users
and devices such as that a user of multiple devices is the same user.
1.5 IF YOU FAIL TO PROVIDE PERSONAL INFORMATION
If you fail to provide certain information when requested, we may not be able to
provide part of our service to you (such as monitoring your credit card for
unlawful activity), or we may be prevented from complying with our legal
obligations.
2 HOW DO WE USE THE INFORMATION COLLECTED?
We may use your Personal Information, Demographic Information or Usage
Information that is subject to this Privacy Notice:
* to provide you with services such as to protect your identity,
* to process transactions or provide you with information such as to send you
electronic newsletters,
* to provide you with special offers or promotional and marketing materials
(including sweepstakes and contests) on behalf of us or third parties,
including to let you know about new products, services, or upcoming events,
* to improve the Site including the user experience, marketing endeavors, and
our Site offerings,
* to customize your experience on the Site,
* to serve you specific content or ads that are relevant to you,
* to provide customer support,
* to authenticate a credit card number and verify that the person requesting
your credit report really is you,
* to contact you with regard to your use of the Site and, in our discretion,
changes to the Site and/or Site’s policies,
* for internal business purposes, and
* for purposes disclosed at the time you provide your information or as
otherwise set forth in this Privacy Notice.
We will only use your Personal Information for the purposes for which we
collected it and related purposes. You will be notified if we need to use your
personal information for an unrelated purpose. We may also process your Personal
Information where the processing is required or permitted by law.
2.1 USE OF INFORMATION FOR RECRUITMENT PURPOSES.
You may provide information to us as part of an application to become part of
the Sontiq team. This may include Personal, Demographic, or other information.
We use this information to make an informed decision about proceeding with your
application as a legitimate interest of our business. If you provide any
information that is considered to be sensitive, you may be asked to expressly
consent to our processing.
2.2 AUTOMATED DECISION MAKING
Sontiq does not make decisions using automated means that have legal or similar
impacts to you. “Automated decision making” is when choices are made by
computers without the involvement of a person.
We are allowed to use automated decision-making in the following circumstances:
* Where it is necessary to perform the contract with you and appropriate
measures are in place to safeguard your rights.
* With your explicit written consent and where appropriate measures are in
place to safeguard your rights.
* Where we have notified you of a decision and given you 21 days to request a
reconsideration.
3 WHERE DOES PROCESSING OF THE INFORMATION OCCUR?
Our Site operates in the United States. Information we collect, including
Personal Information, will be transferred, processed, stored, and used in the
United States.
The data protection laws in the United States may differ from those of the
country in which you are located. Your information may be subject to access
requests from governments, courts, or law enforcement according to the laws of
the United States.
3.1 HOW LONG IS PERSONAL INFORMATION RETAINED?
We only retain your personal information for as long as necessary to fulfill the
purposes for which it was collected. This includes satisfying any legal,
accounting, or reporting requirements.
When you give up your membership, your Personal Information is retained for a
short period of time in the event you decide to rejoin. After this period, your
Personal Information will be securely destroyed or obfuscated.
4 HOW YOUR INFORMATION IS PROTECTED
The security of your personal information is of critical importance to us.
Sontiq’s security controls are independently audited, annually to:
* the Payment Card Industry Data Security Standards (PCI DSS) Level 1 controls,
including a Report on Compliance (RoC) issued by a Qualified Security
Assessor (QSA)
* the American Institute of Certified Public Accountants (AICPA) SOC 2, Type 2,
(Report on Controls at a Service Organization) based on the Trust Services
Criteria relevant to Security, Availability, Processing Integrity,
Confidentiality, and Privacy, and
* the US National Institute of Standards and Technology (NIST) 800-53 Risk
Management Framework
Sontiq utilizes technologies, policies, and procedures to provide comprehensive
protection for all Sontiq systems and applications. Integrity and
confidentiality of data is of the highest importance.
We use industry-standard safeguards to protect your information. While we make
reasonable efforts to safeguard personal information once we receive it, the
protection of your information cannot be guaranteed.
You are responsible for maintaining the confidentiality of any Password(s) and
all activities that occur using your Password(s). You should notify us
immediately of any unauthorized use of your Password or accounts. Please
contact us (see below) if you believe your Personal Information has been
exposed.
4.1 SOCIAL SECURITY, SOCIAL INSURANCE, AND NATIONAL IDENTITY NUMBERS
Sontiq utilizes a formal privacy framework to address all aspects of privacy.
The privacy framework is maintained and reviewed by our Chief Privacy Officer
(CPO). Sontiq is constantly monitoring new legislation around privacy and data
security on the state, federal and international level to continue to ensure
that Sontiq and our client institutions are following industry and regulatory
best practices.
Sontiq maintains and enforces policies and physical and electronic safeguards to
protect all unique identifiers (e.g. SSNs or SINs) against misuse and improper
disclosure. Access to personal identifiers is limited to personnel who need
access to such information in order to perform their job functions.
5 HOW DO I CHANGE MY INFORMATION AND COMMUNICATIONS PREFERENCES?
You are responsible for the accuracy of the information you share with us. This
information may be reviewed and updated through the
* Site’s registration forms or
* “Manage Account” tab on your account dashboard.
You also may write to us directly to update or delete your contact information
or to request that we stop sending you any form of communication. These requests
should be sent to us by regular mail to:
Sontiq
Attn: Chief Privacy Officer
9920 Franklin Square Drive
Suite 250
Nottingham, MD, 21236
USA
We may ask you to provide additional information before making these changes.
This may be done to verify your identity.
When you update your information, we will make good faith efforts to make the
requested changes in our systems as soon as reasonably possible. We may need to
retain prior information as business records in some situations.
Please note that Sontiq is now a TransUnion company. To learn how TransUnion
handles personal information about you and the rights you may have regarding
your personal information, please visit the TransUnion Privacy Center at
www.transunion.com/privacy/transunion.
If you want to submit a request to know, delete or opt-out, you can do so on
TransUnion’s website at: www.transunion.com/consumer-privacy, or by calling:
866-310-8783 between 8 am and 9 pm eastern time Monday through Friday or between
8 am and 5 pm eastern time Saturday or Sunday.
5.1 PERSONAL INFORMATION REQUESTS
With some restrictions, you may make requests of us with regard to your personal
information. Please contact our Privacy Office, privacy@sontiq.com, with these
requests.
Access – You may request a copy of the personal information we hold about you.
To see the information we hold, log in to your account and review the
information from the Sontiq member dashboard. You will not have to pay a fee to
access your personal information in Sontiq-owned member dashboard(s) while your
account is current (or to exercise any of the other rights). Please note that,
for security, we cannot provide your full Social Security Number or your full
credit card numbers.
Transfer – You may request we provide an electronic copy of the information you
have provided to us to be shared in a format that may be sent to a third party.
Correction – You may request that we modify any incomplete or inaccurate
information we hold about you. To modify information we hold about you, log in
to your account and update the information in the Sontiq member dashboard.
Erasure – You may request that we delete elements of your information. Please
note that it is not always possible to completely remove all of your information
from our systems. This is often due to legal or regulatory requirements. Also,
some data may remain on our backup media for a limited period of time.
Restrict processing – You may request that we suspend the processing of your
personal information. You may want to do this, for example, if you want us to
verify the accuracy of the information. Another example may be to ask us to
confirm the reason the processing is occurring. You may do this by logging in to
your account and removing your personal information from the Sontiq member
dashboard. The information may be restored at a later time.
You may change or cancel the marketing emails you currently receive from us by
following the instructions found in our promotional emails. Please note that we
will continue to send you communications about your account or use of our Site.
This includes administrative and Site announcements.
5.2 WITHDRAWING CONSENT
In some very limited cases we process your Personal Information based upon your
consent. You have the right to withdraw your consent for processing in these
situations at any time.
To withdraw your consent, please log in to your account and delete the
information from the Sontiq member dashboard.
6 HOW AND WHEN DO WE SHARE INFORMATION WITH THIRD PARTIES?
We may share Personal Information and other information with third-parties. This
is done
* based on your requests,
* to provide service to you,
* to protect the interests of Sontiq and others, and
* in the event of a transfer of the business.
We may also share your information with related companies. These include our
parent company, our subsidiaries, and affiliates.
There are times when we share information in an anonymized or aggregate form
with our partners. In these cases, the identity of the individual(s) whose
information is shared cannot be directly discerned from the information we
provide.
All our third-party service providers and other entities in the group are
required to take appropriate security measures to protect your personal
information. We do not allow our third-parties to use your personal data for
their own purposes.
6.1 SHARING BASED ON YOUR REQUESTS
You may have an opportunity to receive information or marketing offers from
third parties while on our Site. When this occurs, your Personal and other
information may be shared to the third parties.
The following activities may be carried out by third-party service providers:
* Name, address, date of birth, telephone number, email address monitoring
* Social security number monitoring
* Credit and credit score monitoring
* Driver’s license number monitoring
* Passport number monitoring
* Medical account number monitoring
* Credit card monitoring
* Bank account monitoring
* Monitoring bank and credit card transactions
* Social media account monitoring
* Court records monitoring
* Payday loan monitoring
* IT services
Third parties may also store, collect, or have access to your information when
you interact with them. This includes when you use third-party tools such as
Facebook, Twitter, Pinterest or other posting or content sharing tools.
In addition, we may provide interfaces or links to third party sites to help you
send a message from the Site. For example, we may use third parties to send
emails, tweets, or make Facebook postings. These third parties may retain any
information used or provided in any such communications.
When you send someone else a message from the Site, the information you provide,
such as recipient names and email addresses, are used by Sontiq to send the
communication and is not used by us for any other marketing purpose unless we
obtain consent from that recipient or we explicitly say otherwise.
By using these tools, you are subject to the third party’s privacy practices. We
are not responsible for the privacy policies and practices of third parties. You
should review each third-party’s privacy policies and practices prior to using
their services.
6.2 SHARING TO PROVIDE SERVICE TO YOU
We may use third-party vendors to perform certain services on our behalf. These
services:
* assist in the operation, design, and hosting of the site,
* tracking activity on the site by collecting analytic information,
* manage a database of customer information,
* send you special offers,
* perform administrative services,
* provide credit report information, and
* provide other services designed to assist us in maximizing our business
potential.
These vendors may have access to user information to carry out the services they
are performing. This may include Device Identifiers and Personal Information
which we provide to the vendors.
Third party analytics and other service providers use their own Tracking
Technologies on your Device. These third parties may collect or have access to
information about you. This may include Personal Information which we do not
provide. We are not responsible for the technologies or activities of these
third parties. Some may offer you certain choices regarding their practices, and
information of which we have been informed regarding such choices is
available here.
6.3 SHARING TO PROTECT THE INTERESTS OF SONTIQ AND OTHERS
We may use and share your information including Device Identifiers and Personal
Information to third parties to:
* satisfy any applicable law, regulation, subpoena, governmental request, or
legal process if, in our good faith opinion, such is required or permitted by
law,
* protect and/or defend the Site’s Terms of Use or other policies applicable to
the Site, including investigation of potential violations,
* protect the safety, rights, property, or security of the Site or any third
party,
* to detect, prevent or otherwise address fraud, security, or technical issues,
or
* identify users to third parties to protect their interests subject to
applicable law. By extension, this may include disclosure to law enforcement
agencies.
The previous disclosures may be made without our providing notice to you.
6.4 SHARING IN THE EVENT OF A TRANSFER OF THE BUSINESS
Sontiq may disclose and transfer your Personal and other information
* to a subsequent owner, co-owner or operator of the Site or applicable
database, or
* in connection with a merger, consolidation, or restructuring, of our
business,
* in connection with the sale of substantially all our interests or assets, or
* in connection with other corporate change.
The above sharing may occur during the course of any due diligence process.
6.5 SHARING FOR A SWEEPSTAKES, CONTEST, OR PROMOTION
We may offer sweepstakes, contests, and other promotions (any, a “Promotion”)
through the Site that may require registration. When you participate in a
Promotion you are agreeing to its official rules. The rules may include
requiring you to allow the Promotion’s sponsor to use your name, voice, or
likeness in marketing efforts.
Personal Information may be shared with third parties and the public to manage a
Promotion. This may occur during winner selection or prize fulfillment. Personal
Information may also be made known as required by law or as permitted by the
Promotion’s official rules.
7 HOW IS YOUR INFORMATION USED FOR ADVERTISING?
Many companies serve advertisements across Internet sites. These companies
include Sontiq as well as third parties such as network advertisers and ad
exchanges. Third party analytics service providers may be used to gauge the use
of these ads on third party sites, the viewing of ads, and the viewing of our
content. The advertisements presented may be based on your activities across the
Internet and mobile media. These are called “Behavioral Ads”.
Our third party network advertisers and ad exchanges may set and access their
own technologies on your Device. This may include use of an identifier on your
Device which may be a unique cookie or another form of unique identifier. These
third party technologies, combined with Personal Information we may provide, may
* help deliver advertisements to you that might interest you,
* prevent you from seeing the same advertisements repetitively,
* recognize you across the Devices you use, and
* understand the usefulness of the advertisements that have been delivered to
you.
This Privacy Notice does not apply to the collection or use of the information
by these third parties. We have provided information about these third parties
in the chart at the end of this Privacy Notice. You should review their
information processing practice policies.
7.1 ADVERTISING CHOICES
Some third parties may offer you certain choices regarding their Behavioral Ad
practices. You may wish to visit a site provided by the Network Advertising
Initiative (NAI). https://optout.networkadvertising.org/?c=1 shares information
on the choices provided by NAI members. This includes how to “opt-out” of
members’ advertising.
You may wish to visit a site provided by the Digital Advertising Alliance (DAA).
https://optout.aboutads.info/?c=2&lang=EN shares information on the choices
provided by DAA participants. This includes how to “opt-out” of their
advertising.
We are not responsible for effectiveness of or compliance with any third
parties’ opt-out options or programs.
8 DOES THIRD-PARTY CONTENT, LINKS TO SITES, AND/OR APPS APPEAR ON THE SITE?
The Site may contain content, links, or applications that are supplied by a
third party. These third parties may collect Usage Information and your Device
Identifier for their own commercial purposes. In some cases, you may be directed
to other sites and applications that are operated by third parties that we do
not control. These third parties may have their own terms of service, privacy
policies, or other policies. We are not responsible for the practices employed
by these third parties.
For example, if you “click” on a link you may be taken off the Site onto a
different Internet location. These other online services may track your
activities, collect information about you, and may or may not have their own
published privacy policies. We are not responsible for practices of these third
parties.
We encourage you to review any available policies before using third party
applications. Exercise caution in connection with these applications
9 HOW IS CHILDREN’S INFORMATION PROCESSED?
We understand the importance of protecting the privacy of children. The Site is
not intended for use by children under the age of thirteen (13). Sontiq does not
knowingly collect Personal Information from children.
If you believe your child has provided personal information without your
consent, we will dispose of it as per applicable law. Simply contact us at
privacy@sontiq.com to let us know of the situation.
10 ABOUT CHANGES TO THE PRIVACY NOTICE?
This Privacy Notice may change at any time. A new revision of this Privacy
Notice will be reflected by a change in the Effective Date. Any changes will be
effective as of that Effective Date.
We will not use your previously collected Personal Information in a way that is
significantly different than stated in the Privacy Notice which was effective on
the date the information was collected. However, we may request your consent for
any new uses.
11 WHO DO I CONTACT WITH QUESTIONS AND CONCERNS?
If you have any questions about this Privacy Notice or our practices, please
contact us.
Postal Mail:
Sontiq
Attn: Privacy Officer
9920 Franklin Square Drive
Suite 250
Nottingham, MD, 21236
USA
Email:
privacy@sontiq.com
Telephone Number:
From within the U.S: 888-6-SONTIQ or (888) 676-6847
From outside the U.S.: 01 (508) 644-8726
We may need to request specific information from you to help us confirm your
identity. We do this to ensure that your Personal Information is not disclosed
inappropriately.
Sontiq is now a TransUnion company. To learn how TransUnion handles personal
information about you and the rights you may have regarding your personal
information, please visit the TransUnion Privacy Center at
www.transunion.com/privacy/transunion.
If you want to submit a request to know, delete or opt-out, you can do so on
TransUnion’s website at: www.transunion.com/consumer-privacy, or by calling:
866-310-8783 between 8 am and 9 pm eastern time Monday through Friday or between
8 am and 5 pm eastern time Saturday or Sunday.
12 IS THERE ANY JURISDICTIONAL SPECIFIC INFORMATION?
12.1 EUROPEAN UNION
Our privacy practices as required under the European Union General Data
Protection Regulation (“GDPR”) have been incorporated into this notice.
12.1.1 LEGAL BASIS FOR PROCESSING
A legal basis for processing Personal Information is required under GDPR.
* We are fulfilling a contract when
* Sontiq monitors your personal information and sends alerts, or
* we process payments, or
* preventing fraudulent access to your accounts.
* We are meeting the legitimate interests of our business when
* we contact you regarding new products and services, or
* we capture analytic information to improve or personalize our products,
services, and website, or
* preventing fraudulent use of our services.
* We are addressing our legal obligations when reporting income and related
information to tax authorities.
12.1.2 OBJECTION TO PROCESSING
You may object to the processing of your Personal Information. This may be done
if you feel it is inappropriate for Sontiq to rely on legitimate interest as a
legal basis for processing. When you object, we will limit the processing of
your information. Once the objection is resolved, we will either resume
processing or delete the personal information as appropriate. Please email
privacy@sontiq.com to object to processing.
12.1.3 TRANSFER OF PERSONAL INFORMATION OUTSIDE OF THE EU
Sontiq utilizes Standard Contractual Clauses for the transfer of information
outside of the EU. This participation applies to all personal data that is
received from EU residents. This personal data is also subject to this Privacy
Notice.
12.1.4 REGISTERING A COMPLAINT
There may be times when you have a concern about the processing of your Personal
Information. We ask that you please contact the Sontiq Privacy Officer at these
times as detailed above.
If you remain dissatisfied, then you have the right to apply directly to the UK
Data Protection Authority:
Postal Mail:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
England
Website:
https://ico.org.uk/global/contact-us/
Telephone Number:
+440303 123 1113
12.2 CALIFORNIA
12.2.1 CALIFORNIA CONSUMER PROTECTION ACT
For information on the California Consumer Protection Act (“CCPA”), please see
our CCPA Addendum.
Please also note that Sontiq is now a TransUnion company. To exercise your CCPA
personal data rights with TransUnion, please click here.
12.2.2 INFORMATION SHARING
Your information may be shared with third parties for their direct marketing
purposes. California residents may receive information about our sharing of
personal information for these purposes. This information includes
* the categories of personal information shared by us, and
* the names and addresses of all third parties that received personal
information for their direct marketing purposes from us.
The information provided is for the immediately prior calendar year.
To make such a request (limit one request per year), please
send an email to privacy@sontiq.com with “California Privacy Rights” as the
subject line or
send postal mail to
Sontiq
9920 Franklin Square Drive
Suite 250
Nottingham, MD, 21236
You must include your full name, email address, and your current California
postal address in your request.
--------------------------------------------------------------------------------
Third Parties Collecting Information
The following third parties that collect information from you on the Site have
given us notice that you may obtain information on their policies and practices,
and in some instances opt-out of certain of their activities, as follows:
Third Parties Collecting Information Party Service For More Information Use of
Tracking Technologies Privacy Choices Google Adwords Advertising View here. Yes
View here. Google Analytics Analytics View here. Yes View here. Doubleclick
Advertising View here. Yes View here. Kissmetrics Analytics View here. Yes View
here. Lucky Orange Analytics View here. Yes View here. Optimizely Analytics View
here. Yes View here. Bing Ads Advertising View here. Yes View here. ScoreCard
Analytics View here. Yes View here. Marketo (Adobe) Inbound Marketing View here.
Yes View here. Hubspot Inbound Marketing View here. No View here. AdRoll
Advertising View here. No View here. Rubicon Advertising View here. No View
here. OpenX Advertising View here. No View here. Pubmatic Advertising View here.
No View here. Quantcast Advertising View here. No View here. Verizon Media |
Yahoo Ad Exchange Advertising View here. No View here.
PLEASE NOTE: We are not responsible for third-party policies or practices. We
try to keep this information current, and will add to and subtract from the
chart above as appropriate, but it is provided as a courtesy and may not be
current or accurate. Please contact the relevant third parties regarding their
privacy and data security policies and practices.
EU-US PRIVACY SHIELD PRIVACY POLICY
EU-US PRIVACY SHIELD PRIVACY POLICY
EZShield, Inc. provides identity theft, privacy and credit protection solutions
to consumers, businesses and government agency clients including within the
European Economic Area (EEA) (which includes the twenty-eight member states of
the European Union (EU) plus Iceland, Liechtenstein and Norway). We may request,
gather and store personal information from individuals (our “members”) in
connection with the service we provide to them.
EZShield, Inc. will collect from its members their full name and address; email
address; telephone contact numbers; other contact details as relevant for smart
phone, tablet and computer; bank or other financial account and related credit
card information to enable EZShield, Inc. to keep a constant review on its’
members identity, privacy and credit in order to detect the possible illegal
selling or use of a member’s personal, financial and credit information and to
alert its members and their bank and/or other financial institution once any
such possible illegal selling or use is detected.
EZShield, Inc. complies with the EU-US Privacy Shield Framework as set forth by
the US Department of Commerce regarding the collection, use, and retention of
personal information from European Union member countries. EZShield, Inc. has
certified that it adheres to the Privacy Shield Principles of Notice, Choice,
Accountability for Onward Transfer, Security, Data Integrity and Purpose
Limitation, Access, and Recourse, Enforcement and Liability. If there is any
conflict between the policies in this privacy policy and the Privacy Shield
Principles, the Privacy Shield Principles shall govern.
To learn more about the Privacy Shield program, and to view our certification
page, please visit http://www.privacyshield.gov
EZShield, Inc. respects individual privacy and values the confidence of its
clients, their employees (our members), our business partners/service providers
and others. Not only do we strive to store personal information in a manner
consistent with the laws of the countries in which we do business, but we also
have a tradition of upholding the highest ethical standards in our business
practices. EZShield, Inc. is subject to the investigatory and enforcement
policies of the Federal Trade Commission. This US-EU Privacy Shield Privacy
Policy (the “Policy”) sets forth the privacy principles EZShield, Inc. follows
with respect to transfers of personal information from the EEA to the United
States.
EU-US PRIVACY SHIELD
The United States Department of Commerce and the European Commission have agreed
on a set of data protection principles and frequently asked questions to enable
U.S. companies to satisfy the requirement under European Union law that adequate
protection be given to personal information transferred from the EEA to the
United States (the “EU-US Privacy Shield”). The EEA also has recognized the
EU-US Privacy Shield as providing adequate data protection (Directive 95/46/EC).
Consistent with our commitment to protect personal privacy, EZShield, Inc.
adheres to the principles set forth in the EU-US Privacy Shield (the “EU-US
Privacy Shield Principles”).
SCOPE
This EU-US Privacy Shield Privacy Policy (the “Policy”) applies to all personal
information received by EZShield, Inc. in the United States from the EEA, in any
format, including electronic, paper or verbal.
DEFINITIONS
For purposes of this Policy, the following definitions shall apply:
“Agent” means any third party that collects or uses personal information under
the instructions of, and solely for, EZShield, Inc.
“Client” means any customer of EZShield, Inc, located in the EEA, for whose
employees (“members”) we provide identity theft, privacy and credit protection
solutions through our servers in the United States.
“Members” means those employees of our clients for whom we provide the identity
theft, privacy and credit protection solutions referred to above and also any
third-party consumers who may independently purchase any of these solutions
through our website.
“EZShield, Inc.” means EZShield, Inc., its predecessors, successors,
subsidiaries, divisions and groups in the United States.
“Personal information” means any information or set of information that
identifies or could be used by or on behalf of EZShield, Inc. to identify an
individual. Personal information does not include information that is encoded or
anonymized, or publicly available information that has not been combined with
non-public personal information.
PRIVACY PRINCIPLES
NOTICE:
Where EZShield, Inc. receives, stores, or processes personal information
directly from individuals (members) in the EEA, we will use and disclose such
information only if consistent with the EU-US Privacy Shield Principles, and the
choices made by the individuals to whom such personal information relates.
CHOICE:
EZShield, Inc. will offer individuals (members) the opportunity to choose
(opt-out) whether their personal information is (a) to be disclosed to a third
party, or (b) to be used for a purpose other than the purpose for which it was
originally collected or subsequently authorized by the individual. EZShield,
Inc. will provide individuals with reasonable mechanisms to exercise their
choices.
ACCOUNTABILITY FOR ONWARD TRANSFER:
EZShield, Inc. does not transfer data to third parties outside of its agents.
EZShield, Inc. will obtain assurances from its agents that they will safeguard
personal information consistently with this Policy. Examples of appropriate
assurances that may be provided by agents include: a contract obligating the
agent to provide at least the same level of protection as is required by the
relevant EU-US Privacy Shield Principles, being subject to EU Directive 95/46/EC
(the EU Data Protection Directive), EU-US Privacy Shield certification by the
agent, or being subject to another European Commission adequacy finding (e.g.,
companies located in Canada). Where EZShield, Inc. has knowledge that an agent
is using or disclosing personal information in a manner contrary to this Policy,
EZShield, Inc. will take reasonable steps to prevent or stop the use or
disclosure. EZShield, Inc. is liable for appropriate onward transfers of
personal data to third parties who do not comply with the Privacy Shield
principles.
Please be aware that EZShield, Inc. may be required to disclose an individual’s
personal information in response to a lawful request by public authorities,
including to meet national security or law enforcement requirements.
SECURITY:
EZShield, Inc. will take reasonable precautions to protect personal information
in its possession from loss, misuse and unauthorized access, disclosure,
alteration and destruction.
DATA INTEGRITY AND PURPOSE LIMITATION:
EZShield, Inc. may use personal information provided by individuals (members)
but only in ways that are compatible with the purposes for which it was
collected or subsequently authorized by the individual. EZShield, Inc. will take
reasonable steps to ensure that personal information collected is relevant to
its intended use.
ACCESS AND RECOURSE:
EU Individuals have the right to access their personal information. Upon
request, EZShield, Inc. will grant individuals access to personal information
that it holds about them. In addition, EZShield, Inc. will take reasonable steps
to permit individuals to correct, amend, or delete information that is
demonstrated to be inaccurate or incomplete.
ENFORCEMENT AND LIABILITY:
EZShield, Inc. will conduct compliance audits of its relevant privacy practices
to verify adherence to this Policy. Any employee that EZShield, Inc. determines
is in violation of this policy will be subject to disciplinary action up to and
including termination of employment.
DISPUTE RESOLUTION:
Any questions or concerns regarding the use or disclosure of personal
information should be directed to EZShield, Inc. at the address given below.
EZShield, Inc. will investigate and attempt to resolve complaints and disputes
regarding use and disclosure of personal information by reference to the
principles contained in this Policy. For complaints that cannot be resolved
between EZShield, Inc. and the complainant, EZShield, Inc. has agreed to
participate in the dispute resolution procedures of the panel established by the
EU data protection authorities (DPAs) to resolve disputes pursuant to the EU-US
Privacy Shield Principles. A resident of the European Union (EU) whose enquiry
has not been satisfactorily addressed may contact either the EU DPAs panel by
email to ec-dppanel-secr@ec.europa.eu or individual EU DPAs using the
information provided at
http://ec.europa.eu/justice/data-protection/bodies/index_en.htm to resolve
disputes pursuant to the EU-US Privacy Shield Principles.
Finally, as a last resort and in limited situations, EU individuals may seek
redress from the Privacy Shield Panel, a binding arbitration mechanism.
The services of the EU DPAs panel are provided at no cost to you.
LIMITATION ON APPLICATION OF PRINCIPLES:
Adherence by EZShield, Inc. to these EU-US Privacy Shield Principles may be
limited (a) to the extent required to respond to a legal or ethical obligation;
(b) to the extent necessary to meet national security, public interest or law
enforcement obligations; (c) to the extent expressly permitted by an applicable
law, rule or regulation; and (d) to the extent that EZShield, Inc. has limited
or no control over the actions of the individuals (members) who have provided
personal information.
INTERNET PRIVACY
EZShield, Inc. recognizes the importance of maintaining the privacy of
information collected online and has created a specific Internet Privacy Policy
(the “IPP”) governing the treatment of personal information collected. With
respect to personal information that is transferred from the European Economic
Area to the U.S., the IPP is subordinate to this Policy. EZShield, Inc.’s
Internet Privacy Policy can be found at: PrivacyPolicy
CONTACT INFORMATION
Questions or comments regarding this Policy should be submitted to EZShield,
Inc. by mail to:
EZShield, Inc.
9920 Franklin Square Drive, Suite 250
Nottingham, MD 21236
Phone: 1-833-580-2523
(Attn: Privacy Officer)
Or by e-mail to privacy@sontiq.com
CHANGES TO THIS EU-US PRIVACY SHIELD PRIVACY POLICY
This Policy may be amended from time to time, consistent with the requirements
of the EU-US Privacy Shield Principles. A notice will be posted on the EZShield,
Inc. web site (http://www.goezshield.com) for 60 days whenever this EU-US
Privacy Shield Privacy Policy is changed in a material way.
EFFECTIVE DATE:
August 13th, 2019
EU GDPR FAIR PROCESSING NOTICE
EU GDPR FAIR PROCESSING NOTICE
This EU GDPR Fair Processing Notice was last revised on June 25th, 2019.
INTRODUCTION
Sontiq, Inc., ‘the Company’, is committed to protecting the privacy and security
of your personal information.
This privacy notice describes how we collect and use personal information about
you during and after your working relationship with us, in accordance with the
EU General Data Protection Regulation (GDPR). It applies to all members, not
just those residents in the European Union.
Sontiq, Inc. is a “data controller”. This means that we are responsible for
deciding how we hold and use personal information about you. We are required
under GDPR to notify you of the information contained in this privacy notice.
This notice does not form part of any contract to provide services. We may
update this notice at any time.
It is important that you read this notice, together with any other privacy
notice we may provide on specific occasions when we are collecting or processing
personal information about you, so that you are aware of how and why we are
using such information.
CONTACT DETAILS
We have appointed a Privacy Officer to oversee compliance with this privacy
notice. If you have any questions about this privacy notice or how we handle
your personal information, please contact the Privacy Officer at the following
email address: privacy@sontiq.com or by mail to Sontiq Inc., 9920 Franklin
Square Drive, Suite 250, Nottingham, MD, 21236, USA. Attn: Privacy Officer.
DATA PROTECTION PRINCIPLES
When we process your personal data, we will always apply the core principles of
the GDPR to ensure it is:
* Used lawfully, fairly and in a transparent way.
* Collected only for valid purposes that we have clearly explained to you and
not used in any way that is incompatible with those purposes.
* Relevant to the purposes we have told you about and limited only to those
purposes.
* Accurate as updated by you from time to time.
* Kept only as long as necessary.
* Kept securely.
YOUR DATA
In this section we outline the purposes for which we may process your data. For
each ‘purpose’ we also list the types of data we may process and our legal basis
for the processing it.
Monitor / Inform / Alert
Sontiq monitors your personal information and sends alerts as described on our
web site. This includes:
* Advanced Fraud
* Bank and Credit Card Activity
* Change of Address
* Court Record
* Credit Report
* Dark Web
* Payday Loan
* Sex Offender
* Smart SSN Tracker
* Social Media Identity
Types of personal data processed
* Personal contact details: name, address, telephone, email address, US social
security number, US driver’s license number, US passport number, US medical
account numbers, US bank and credit card numbers, bank and credit card
credentials, and social media credentials.
Lawful basis for processing personal data
* To safeguard the security of your personal information as it pertains to
fraud (applying GDPR Art 6.1f – a legitimate interest)
* To be able to contact you regarding our relationship (applying GDPR Art 6.1f
– a legitimate interest)
* To complete the agreed upon services you’ve contracted Sontiq to perform on
your behalf (applying GDPR Art 6.1b – necessary for the performance of a
contract)
Financial
* Processing payments you make to Sontiq
* Filing reports with the tax and social security authorities
Types of personal data processed
* Name, credit card number, credit card expiration date, credit card CVV code,
US zip code
Lawful basis for processing personal data
* To process any payment made between yourself and Sontiq (applying GDPR Art
6.1b – necessary for the performance of a contract)
* To report any income to the tax authorities pertaining to payments made to
Sontiq (applying GDPR Art 6.1c – compliance with a legal obligation)
Marketing and Corporate
* Contacting you regarding new products and services
* Internal reporting and analytics
Types of personal data processed
* Email address, phone number, mailing address (including city and state)
Lawful basis for processing personal data
* To promote the services/products of the organization (applying GDPR Art 6.1f
– a legitimate interest)
* To document utilization of goods and services (applying GDPR Art 6.1f – a
legitimate interest)
DO WE NEED YOUR CONSENT?
Under the GDPR consent is not considered a lawful basis for processing in
situations where there is an imbalance in power – such as employment. Therefore,
instead of seeking your consent we are required to apply one of the other legal
bases – those outlined in Article 6 of the GDPR– namely:
* To perform our contract with you,
* To enable us to comply with legal obligations, and
* Using your personal information to pursue legitimate interests of our own
provided your interests and fundamental rights do not override those
interests.
For each of our processing activities listed in the tables above we have also
detailed the legal basis that allows us to process your data.
IF YOU FAIL TO PROVIDE PERSONAL INFORMATION
If you fail to provide certain information when requested, we may not be able to
provide part of our service to you (such as monitoring your credit card for
unlawful activity), or we may be prevented from complying with our legal
obligations.
CHANGE OF PURPOSE
We will only use your personal information for the purposes for which we
collected it, unless we reasonably consider that we need to use it for another
reason and that reason is compatible with the original purpose. If we need to
use your personal information for an unrelated purpose, we will notify you and
we will explain the legal basis which allows us to do so.
Please note that we may process your personal information without your knowledge
or consent, in compliance with the above rules, where this is required or
permitted by law.
WILL YOUR PERSONAL DATA BE SUBJECTED TO AUTOMATED DECISION MAKING?
Automated decision-making takes place when an electronic system uses personal
information to make a decision without human intervention. We are allowed to use
automated decision-making in the following circumstances:
* Where we have notified you of the decision and given you 21 days to request a
reconsideration.
* Where it is necessary to perform the contract with you and appropriate
measures are in place to safeguard your rights.
* In limited circumstances, with your explicit written consent and where
appropriate measures are in place to safeguard your rights.
DATA SHARING
We may have to share your data with third parties, including third-party service
providers and other entities in the group. We require third parties to respect
the security of your data and to treat it in accordance with the law. We will
transfer your personal information outside the EU. If we do, you can expect a
similar degree of protection in respect of your personal information.
THIRD PARTIES
We may share your personal information with third parties where required by law,
where it is necessary to administer the working relationship with you or where
we have another legitimate interest in doing so. ‘Third parties’ includes
third-party service providers (including contractors and designated agents) and
other entities within our group.
The following activities may be carried out by third-party service providers:
* Name, address, date of birth, telephone number, email address monitoring
* Social security number monitoring
* Credit and credit score monitoring
* Driver’s license number monitoring
* Passport number monitoring
* Medical account number monitoring
* Credit card monitoring
* Bank account monitoring
* Monitoring bank and credit card transactions
* Social media account monitoring
* Court records
* Payday loan monitoring
* IT services
We will share your personal information with other entities in our group as part
of our regular reporting activities on company performance, in the context of a
business reorganization or group restructuring exercise, for system maintenance
support and hosting of data.
We may share your personal information with other third parties, for example in
the context of the possible sale or restructuring of the business. We may also
need to share your personal information with a regulator or to otherwise comply
with the law.
All our third-party service providers and other entities in the group are
required to take appropriate security measures to protect your personal
information in line with our policies. We do not allow our third-party service
providers to use your personal data for their own purposes. We only permit them
to process your personal data for specified purposes, in accordance with our
instructions and under the terms of a data processing agreement.
TRANSFERRING INFORMATION OUTSIDE OF THE EU
We will transfer the personal information we collect about you to countries
outside the European Economic Area in order to perform our contract with you.
There is not an adequacy decision by the European Commission in respect of these
countries, which means they are not deemed to provide an adequate level of
protection for your personal information.
However, to ensure that your personal information does receive an adequate level
of protection we have enrolled in the EU-US Privacy Shield to ensure that your
personal information is treated by those third parties in a way that is
consistent with and which respects the laws on data protection.
You can contact us if you require further information about these protective
measures.
THE PERIOD FOR WHICH DATA IS STORED
We will only retain your personal information for as long as necessary to
fulfill the purposes we collected it for, including for the purposes of
satisfying any legal, accounting, or reporting requirements. To determine the
appropriate retention period for personal data, we consider the amount, nature,
and sensitivity of the personal data, the potential risk of harm from
unauthorized use or disclosure of your personal data, the purposes for which we
process your personal data and whether we can achieve those purposes through
other means, and the applicable legal requirements.
In some circumstances we may anonymize your personal information so that it can
no longer be associated with you, in which case we may use such information
without further notice to you. Once you are no longer a member we will retain
and securely destroy your personal information in accordance with our data
retention policy and/or applicable laws and regulations.
DATA SECURITY
We have put in place appropriate security measures to prevent your personal
information from being accidentally lost, used or accessed in an unauthorized
way, altered or disclosed. In addition, we limit access to your personal
information to those employees, agents, contractors and other third parties who
have a business need to know. They will only process your personal information
on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected data security breach
and will notify you and any applicable regulator of a suspected breach where we
are legally required to do so.
YOUR RIGHTS
Under certain circumstances, by law you have the right to:
* Request access to your personal information (commonly known as a “data
subject access request”). This enables you to receive a copy of the personal
information we hold about you and to check that we are lawfully processing
it. You may do this by logging in to your account and reviewing the
information from the Sontiq member dashboard. Please note that, for security,
we cannot provide your full Social Security Number or your full credit card
numbers.
* Request correction of the personal information that we hold about you. This
enables you to have any incomplete or inaccurate information we hold about
you corrected. You may do this by logging in to your account and updating the
information in the Sontiq member dashboard.
* Request erasure of your personal information. This enables you to ask us to
delete or remove personal information where there is no good reason for us
continuing to process it. You also have the right to ask us to delete or
remove your personal information where you have exercised your right to
object to processing (see below). Please note that we cannot provide
monitoring or alerting services on personal information that you have chosen
not to supply or to delete.
* Object to processing of your personal information where we are relying on a
legitimate interest (or those of a third party) and there is something about
your particular situation which makes you want to object to processing on
this ground. You also have the right to object where we are processing your
personal information for direct marketing purposes.
* Request the restriction of processing of your personal information. This
enables you to ask us to suspend the processing of personal information about
you, for example if you want us to establish its accuracy or the reason for
processing it. You may do this by logging in to your account and temporarily
removing such personal information from the Sontiq member dashboard.
* Request the transfer of your personal information to another party.
If you want to review, verify, correct or request erasure of your personal
information, object to the processing of your personal data, or request that we
transfer a copy of your personal information to another party, please send an
email to the Privacy Officer at privacy@sontiq.com.
As stated above the processing of your personal data is based on legal basis
other than your consent, however in the very limited circumstances where you may
have provided your consent to the collection, processing and transfer of your
personal information for a specific purpose, you have the right to withdraw your
consent for that specific processing at any time. To withdraw your consent,
please log in to your account and delete the information from the Sontiq member
dashboard. If you require assistance with this, please contact our Member
Services team, under the EZShield brand, by sending an email to
cigna@identityforce.com or by calling 877-694-3367. If you have any problems
deleting your information, please send an email to the Privacy Officer at
privacy@sontiq.com . Once we have received notification that you have withdrawn
your consent, we will no longer process your information for the purpose or
purposes you originally agreed to, unless we have another legitimate basis for
doing so in law.
NO FEE USUALLY REQUIRED
You will not have to pay a fee to access your personal information in
Sontiq-owned member dashboard, under either the EZShield brand, while your
account is current (or to exercise any of the other rights).
WHAT WE MAY NEED FROM YOU
We may need to request specific information from you to help us confirm your
identity and ensure your right to access the information (or to exercise any of
your other rights). This is another appropriate security measure to ensure that
personal information is not disclosed to any person who has no right to receive
it.
RAISING A COMPLAINT
If you are unhappy with the way in which your personal data has been processed,
you may in the first instance contact the Company’s Privacy Officer using the
contact details above.
If you remain dissatisfied, then you have the right to apply directly to the UK
Data Protection Authority for a decision – contact details below:
* Information Commissioner’s Office
* Wycliffe House
* Water Lane
* Wilmslow
* Cheshire
* SK9 5AF
* England
* https://ico.org.uk/global/contact-us/
* +440303 123 1113
CHANGES TO THIS PRIVACY NOTICE
We reserve the right to update this privacy notice at any time, and we will
provide you with a new privacy notice when we make any substantial updates. We
may also notify you in other ways from time to time about the processing of your
personal information.
SERVICE DESCRIPTIONS
EZSHIELD® FAMILY ID RESTORATION PRO
HIGHLIGHTS
* Online Identity Vault™ for your family
* Password Manager
* Protection tips and timely news
* US-based Certified Resolution Specialist for your family
* End2End Defense® 32-step restoration process
* 24/7 live support
DESCRIPTION OF SERVICE
The Service applies broadly to the protection of a customer’s identity.
Individuals are often subject to theft, fraud, misuse of personal information,
and unintended exposure of personal and financial data. EZShield ID Restoration
Pro offers peace of mind with access to certified resolution specialists, as
well as proactive tools to help prevent fraud and misuse.
SECURE YOUR PERSONAL INFORMATION:
* Online Identity Vault™ to encrypt you and your family's information
* Encrypt personal information. Online encrypted storage for you and your
family members' important personally identifiable information (PII)
including SSNs, credit cards, financial account information and birth dates
along with other important documents (i.e. mortgage, titles, etc.).
* Encrypt documents & images. Online Identity Vault™ gives access to online
and mobile digital organization and storage of digital copies of important
business, legal and personal documents, medical records and other items.
The Vault provides top-level data security in a remote location to prevent
unauthorized access to stored files and full-time 24/7 customer access to
stored items. Authorized users can easily tag incoming content for proper
categorization and facilitation of search and retrieval. This secure
storage platform accepts the following file formats: Jpeg, Gif, Pdf, Png,
Microsoft Word, Microsoft Excel and Microsoft PowerPoint.
* Password Manager. As your first line of defense for protecting your
personally identifiable information against identity crimes, our Password
Manager is a must-have — giving you on-the-go access to manage your
passwords all in one secure easy-to-use location. You also have access to a
password tool to test strength and generate strong passwords.
* Protection tips and timely news. These features provide access to timely tips
and industry best practices that educate consumers and businesses about
mitigating the risks of identity theft and fraud.
* Identity Report. This monthly email communication includes account
information in addition to articles and tips addressing identity theft and
fraud.
* Breach & Fraud News Alerts. These ongoing emails alert customers of
large-scale breaches and threats, while providing helpful tips on how to
protect themselves.
RESTORE:
* Family Restoration Services. In addition to providing you with restoration
services, a customer can also protect affiliated persons,* which can include
family members.
* US-based Certified Resolution Specialist for you and your family.
* Fully managed restoration services.
* 1-on-1 dedicated care.
A dedicated and certified specialist is available to answer questions and
assist with resolution in the event of lost/stolen wallet, fraud or an
identity theft event.
A dedicated resolution specialist will perform assisted or fully-managed
restoration services on behalf of victims and coordinate with customer's
applicable bank, financial institution and/or other agencies.
In addition to advising a customer on the best procedures to help prevent
fraud or to respond to a fraud event, a resolution specialist can also act on
behalf of a customer by obtaining an executed limited power of attorney form.
Resolution specialists are available to assist with:
1. notifying and requesting government-issued identification such as a
state's Driver's License, Social Security card or Passport;
2. notifying the three national credit bureaus to place fraud alerts on
customer's credit reports, and review such reports to identify evidence of
the fraud or identity theft event;
3. notifying banks, credit card companies and merchants as directed by the
customer to freeze or close any accounts compromised by or resulting from
the fraud or identity theft event;
4. notifying the Federal Trade Commission and filing a complaint to report
the identity theft event;
5. and otherwise coordinating with credit bureaus, banks, credit card
companies, government agencies and/or merchants.
* End2End Defense® in-depth restoration process for you and your family.
* Proprietary 32-step checklist
* For lost/stolen wallet, breached data, fraud or ID theft
* Designed to discover, isolate & prevent future fraud
* The EZShield Promise
Our 32-point checklist is designed to isolate and assist restoration from a
lost/stolen wallet, fraud or identity theft event. It is also designed to
help the customer take necessary steps to help prevent fraud or identity
theft from happening again. Often times, fraud is an isolated incident.
However, in many cases, the fraudulent event is a symptom of a much larger
problem. Thus, EZShield will work with the customer to verify that they are
not at greater risk of additional fraud or identity theft. When EZShield
determines that the circumstances of the event puts the customer's identity
at continued risk of further fraud or identity theft events, EZShield will
deploy certain preventative and complimentary services to help mitigate such
risks. 90 days for fraud, 1 year for ID Theft.
* 24/7 live support and one-on-one assistance from a dedicated, certified
Resolution Specialist 8am to 8pm EST, Monday through Friday.
SERVICE LEVEL DEFINITIONS
Family Restoration: Limited to the individual properly registered as a customer
and his/her affiliated persons. Affiliated persons gain access to the certified
resolution specialists and restoration services features of this product.
Affiliated Persons: For an individual user, affiliated persons shall be limited
to:
* The spouse or domestic partner of registered Member (where "domestic partner"
is defined as any person living in a legally recognized domestic partnership
with Member in their state of residence)
* dependent children under the age of 21 who live with the Member and dependent
children under the age of 25 who are full-time students, as determined by IRS
dependency requirements.
EZShield Vault: 10 GB of storage with access for one customer only.
ADVANCED FRAUD MONITORING
HIGHLIGHTS
* Daily Monitoring of the online black market for the personally identifiable
information stored in your Online Identity Vault
* Notification Services for information being sold or traded
DESCRIPTION OF SERVICE
Recent studies have shown identity fraud incidences continue to increase year
over year. Having one's personally identifiable information (PII) exposed or
compromised significantly increases the risk of identity theft and fraud. The
problem can be compounded once the information reaches the alarmingly active
internet black market sites where information is traded, sold and re-sold
through thousands of websites, chat rooms and underground forms. As criminals
continue to seek new ways to exploit this information, if an individual's PII is
found on these known sites, identity theft has already occurred and immediate
action is necessary. EZShield will constantly and proactively monitor these
sites, chat rooms and underground forums, and alert the consumer regarding any
activity, while securely storing the following personal and financial
information (Identity Elements) provided by the customer:
Available Elements for Scanning
* Individual name, Street Address, Drivers License and up to 3 phone numbers
* Social Security Number
* Up to 10 Email Addresses
* Up to 10 Medical ID cards
* Up to 10 Bank Accounts, Credit Cards, & Debit Cards
* Up to 5 Passports
ONLINE BLACK MARKET SCAN
Ongoing scans of black market chat rooms, websites and databases will be
performed to ensure that the name, address, Social Security number, email
address, phone number, credit card numbers and bank account identification
associated with a user's account are not currently compromised in the black
market channel.
NOTIFICATION SERVICES
Provides e-mail alerts and/or phone notifications within 24 hours of activities
discovered through the process of monitoring the Customer's provided personal
and financial information.
EZSHIELD® DARK WEB MONITORING
HIGHLIGHTS
* Daily Monitoring of the Dark Web for personally identifiable information
stored in your Online Identity Vault
* Notification Services for information being sold or traded
DESCRIPTION OF SERVICE
Recent studies have shown identity fraud incidences continue to increase year
over year. Having one's personally identifiable information (PII) exposed or
compromised significantly increases the risk of identity theft and fraud. The
problem can be compounded once the information reaches the alarmingly active
internet black market sites where information is traded, sold and re-sold
through thousands of websites, chat rooms and underground forms. As criminals
continue to seek new ways to exploit this information, if an individual's PII is
found on these known sites, identity theft has already occurred and immediate
action is necessary. EZShield will constantly and proactively monitor these
sites, chat rooms and underground forums, and alert the consumer regarding any
activity, while securely storing the following personal and financial
information (Identity Elements) provided by the customer:
Available Elements for Scanning
* Individual name
* Street Address
* Drivers License
* Up to 10 phone numbers
* Social Security Number
* Mother’s Maiden Name
* Up to 10 Email Addresses
* Up to 10 Medical ID cards
* Up to 10 Bank Accounts
* Up to 10 Credit & Debit Cards
* Up to 5 Passports
ONLINE DARK WEB SCAN
Ongoing scans of black market chat rooms, websites and databases will be
performed to ensure that the name, address, Social Security number, email
address, phone number, credit card numbers and bank account identification
associated with a user's account are not currently compromised in the black
market channel.
NOTIFICATION SERVICES
Provides e-mail alerts and/or phone notifications within 24 hours of activities
discovered through the process of monitoring the Customer's provided personal
and financial information.
EZSHIELD® BREACHIQ
HIGHLIGHTS
* Results from dark web scan of up to 60+ identity elements
* Unique database of publicly reported US breaches, bringing consumers data on
10-20x breaches as dark web scans
* Analysis of extensive list of risk types such as ATO fraud, medical fraud,
targeted scams, tax fraud
* Customized consumer score based on personal identity compromise experience
and unique risks; actions taken
* Risks matched to 50+ targeted action steps that can be executed through
Sontiq services or at their financial institution to reduce the risk to the
customer
FEATURES
BreachIQ™ Search Tool
When consumers receive a notification letter or hear about a breach in the news,
the Breach Search tool lets them search on the name of an organization to learn
about a breach and determine what action should be taken.
BreachIQ™ Score
AI driven algorithm analyzes 1,300 breach elements to deliver a Breach Risk
Score and personalized risk profile, unique set of risks, and prioritized
actions from among 50+ possibilities (vastly more than monitoring credit or
changing passwords). BreachIQ models consider 12 different possible fraud and
scam types, including financial frauds (all four types), medical identity fraud,
credit card fraud, tax refund fraud, scams including advance fee schemes, and
various government benefits fraud. As fraud risks change, BreachIQ’s algorithm
changes too, bringing the most relevant information on what a breach means for a
customer. This AI driven approach provides maximum customer peace of mind and
protection, that includes all their provider relationships.
Dynamic Risk Assessment | Breach History
The Breach Clarity algorithm is based on 60 individual identity credentials (58
more than just log in and password credentials--criminals prefer to use as many
as they can), all 12 possible identity crime categories, and over 50 possible
action steps that minimize risk.
BreachIQ relies on more than just the dark web, because the largest and most
dangerous types of compromised data do not appear there.
The Breach Clarity proprietary database is the only complete source of all
publicly reported US data breaches, providing detailed and personalized risk
assessments and action steps. Many large breaches do not typically show up in
dark web scans, but BreachIQ, using several data sources can return information
on most public data breaches.
ID Safety Score™
Every customer has a unique breach history, combined with equally unique action
steps they have taken to protect their identity. The ID Safety Score is
dynamically based on both factors, to consider both the threats an individual
faces as well as their protective stance regarding those personalized risks.
The highly personalized solution remembers the actions consumers have taken, to
only present the consumer’s next best action. As a result, BreachIQ simplifies
the consumers’ task of sorting through the extremely limited or overly complex
advice they get elsewhere, all in a UI that focuses on the next best action.
Leverages Existing Financial Institution (FI) and other Relationships
BreachIQ’s internal examination of all consumer ID fraud indicates that most
fraud occurs at an FI. Criminals most often ‘go where the money is’, which is
why BreachIQ’s assessment of four distinct FI fraud risks and powerful action
steps point consumers to the precise methods they can use to protect against
cybercrime in existing financial accounts (banks, credit unions, payment card
issuers, and more), or get the fastest possible detection in new or existing
accounts to stop it in its tracks.
Fully Managed Restoration
Sontiq’s award winning restoration services are available in all BreachIQ
solutions.
Monitors your child’s PII to detect changes associated with your child’s
identity.
EZSHIELD® ID RESTORATION PRO
HIGHLIGHTS
* Online Identity Vault™
* Password Manager
* 24/7 live support
* Fully managed identity restoration
* Personalized Identity Reports
* Mobile app
DESCRIPTION OF SERVICE
The Service applies broadly to the protection of a customer’s identity.
Individuals are often subject to theft, fraud, misuse of personal information,
and unintended exposure of personal and financial data. EZShield ID Restoration
Pro offers peace of mind with access to certified resolution specialists, as
well as proactive tools to help protect against fraud and misuse.
SECURE YOUR PERSONAL INFORMATION:
* Online Identity Vault™
* Encrypt personal information. Online encrypted storage for your important
personally identifiable information (PII) including SSNs, credit cards,
financial account information and birth dates along with other important
documents (i.e. mortgage, titles, etc.).
* Encrypt documents & images. Online Identity Vault™ gives access to online
and mobile digital organization and storage of digital copies of important
business, legal and personal documents, medical records and other items.
The Vault provides top-level data security in a remote location to protect
against unauthorized access to stored files and full-time 24/7 customer
access to stored items. Authorized users can easily tag incoming content
for proper categorization and facilitation of search and retrieval. This
secure storage platform accepts the following file formats: Jpeg, Gif, Pdf,
Png, Microsoft Word, Microsoft Excel and Microsoft PowerPoint.
* Password Manager. As your first line of defense for protecting your
personally identifiable information again identity crimes, our Password
Manager is a must-have — giving you on-the-go access to manage your
passwords in one secure easy-to-use location. You also have access to a
password tool to test strength and generate strong passwords.
* All information is secured by Triple Layer Defense™: Customer information
is encrypted in 3 ways: in transit, in use and at rest. Additionally,
information stored in the Online Identity Vault uses multiple layers of
encryption:
* Information is encrypted at the system level in the cloud
* Information is encrypted within the customer's unique record
* All information added to Online Identity Vault becomes part of your
secure profile and is encrypted multiple times
* Protection tips and timely news. These features provide access to timely tips
and industry best practices that educate consumers and businesses about
mitigating the risks of identity theft and fraud.
* Identity Report. This monthly email communication includes account
information in addition to articles and tips addressing identity theft and
fraud.
* Breach & Fraud News Alerts. These ongoing emails alert customers of
large-scale breaches and threats, while providing helpful tips on how to
protect themselves.
RESTORE:
* US-based Certified Resolution Specialist.
* Fully managed restoration services.
* 1-on-1 dedicated care.
A dedicated and certified specialist is available to answer questions and
assist with resolution in the event of lost/stolen wallet, fraud or an
identity theft event.
A dedicated resolution specialist will perform assisted or fully managed
restoration services on behalf of victims and coordinate with customer's
applicable bank, financial institution and/or other agencies.
In addition to advising a customer on the best procedures to help protect
against fraud or to respond to a fraud event, a resolution specialist can
also act on behalf of a customer by obtaining an executed limited power of
attorney form.
Resolution specialists are available to assist with:
1. notifying and requesting government-issued identification such as a
state's Driver's License, Social Security card or Passport;
2. notifying the three national credit bureaus to place fraud alerts on
customer's credit reports, and review such reports to identify evidence of
the fraud or identity theft event;
3. notifying banks, credit card companies and merchants as directed by the
customer to freeze or close any accounts compromised by or resulting from
the fraud or identity theft event;
4. notifying the Federal Trade Commission and filing a complaint to report
the identity theft event;
5. and otherwise coordinating with credit bureaus, banks, credit card
companies, government agencies and/or merchants.
* End2End Defense® in-depth restoration process.
* Proprietary 32-step checklist
* For lost/stolen wallet, breached data, fraud or ID theft
* Designed to discover, isolate & protect against future fraud
* The EZShield Promise
Our 32-point checklist is designed to isolate and assist restoration from a
lost/stolen wallet, fraud or identity theft event. It is also designed to
help the customer take necessary steps to help protect against fraud or
identity theft from happening again. Often times, fraud is an isolated
incident. However, in many cases, the fraudulent event is a symptom of a much
larger problem. Thus, EZShield will work with the customer to verify that
they are not at greater risk of additional fraud or identity theft. When
EZShield determines that the circumstances of the event puts the customer's
identity at continued risk of further fraud or identity theft events,
EZShield will deploy certain complimentary services to help mitigate such
risks. 90 days for fraud, 1 year for ID Theft.
* 24/7 live support available to answer questions and one-on-one assistance
from a dedicated, certified Resolution Specialist 8am to 8pm EST, Monday
through Friday.
SERVICE LEVEL DEFINITIONS
Individual Restoration: Limited to individuals properly registered as a
customer.
Online Identity Vault: 10 GB of storage with access for one customer only.
EZSHIELD® PUBLIC RECORDS MONITORING
HIGHLIGHTS
* Change of Address Monitoring
* Criminal Records Monitoring
* Sex Offender Registry Monitoring
* Short Term Loan Monitoring
* Smart SSN Tracker
* Notification Services
* Secure Authentication
DESCRIPTION OF SERVICE
Criminals use many channels to obtain personal and confidential information. As
part of this Service, EZShield will monitor activity associated with customer's
identity and make available to the customer the following search results, which
may indicate identity theft or misrepresentation:
Change of Address Monitoring: Monitors and alerts you if your mail has been
redirected through the United States Postal Service.
Criminal Records Monitoring: Alerts you in the event that monitored state or
local records for arrests and incarcerations match your information.
Sex Offender Registry Monitoring: Alerts you if we found an address of a
registered sex offender(s) within a 2-mile radius of your address.
Short Term Loan Monitoring: Alerts you to short term and specialty loans,
including short term loans, that were obtained using your social security
number.
Smart SSN Tracker: Social Security Number tracking that intelligently alerts you
if there’s an unfamiliar name, alias, or address associated with your SSN, which
could be an indication of fraud.
NOTIFICATION SERVICES
Provides e-mail alerts and/or phone notifications of activities discovered in
the process of monitoring changes to the customer's public records.
SECURE AUTHENTICATION
Monitoring services requires one-time verification of the Customer's identity to
ensure that we are securely monitoring the Customer's identity and notifications
are received.
CCPA ADDENDUM
PRIVACY NOTICE – CALIFORNIA-SPECIFIC ADDENDUM
If you are a California resident, the following provisions apply to our
processing of information that identifies, relates to, describes, is capable of
being associated with, or could reasonably be linked, directly or indirectly,
with a particular consumer or household [subject to the California Consumer
Privacy Act] (“California Personal Information” herein referred to as Personal
Information). For such residents, the provisions of this California Addendum
prevail over any conflicting provisions of the Privacy Notice.
* CATEGORIES OF PERSONAL INFORMATION COLLECTED
We may have collected the following categories of Personal Information within
the last 12 months. The Personal Information collected varies based on the
product or service purchased or otherwise obtained by the consumer:
* Personal Information. This includes, but not limited to, personal
identifiers such as name, alias, address, social security number, passport
number, driver’s license number, email address, Internet Protocol (IP)
address, insurance or other policy numbers, other online identifiers, or
other similar identifiers.
* Financial Information and Medical Information. Financial information may
include information directly provided by you such as a bank account number,
routing number, credit card number, debit card number, or any other
financial information, including information obtained from consumer
reporting agencies as it may apply in our providing our services to you. We
generally do not collect medical information in providing our products or
services, but it may be collected incidentally when providing select
Identity Theft or Identity Restoration services, as applicable.
* Protected Class Characteristics may include information about race, color,
religion, creed, national origin, sex, age, disability, veteran status, and
other sensitive Personal Information. We do not generally require the
collection of this type of Personal Information.
* Commercial information, including records of personal property, products or
services purchased, obtained, or considered, or other purchasing or
consuming histories or tendencies.
* Biometric information that may be used to establish identity, including but
not limited to fingerprints, retinal scans, voice prints or facial
recognition. We do not collect this type of information in providing our
products and services.
* Internet or other electronic network activity information, including, but
not limited to, browsing history, search history, and information regarding
a consumer’s interaction with an Internet Web site, application, or
advertisement.
* Geolocation data may be obtained using IP address, GPS (where enabled on
your smart device), and/or similar technologies when accessing our
website(s), mobile application(s), or other online services.
* Audio, electronic, visual, thermal, olfactory, or similar information. We
record audio calls made to our Support Center for quality purposes. We may
collect Personal Information when you communicate with us electronically,
such as using email. Other types of information listed above are not
collected.
* Professional or employment-related information. We do not generally collect
this type of information, but it may be collected incidentally when
providing select Identity Theft or Identity Restoration services, as
applicable.
* Education information. We do not generally collect this type of
information, but it may be collected incidentally when providing select
Identity Theft or Identity Restoration services, as applicable.
* Inferences. Insights that we may use to build a profile about you;
including profiles, preferences, and behaviors drawn from collection and
analytics of any of the other categories of Personal Information.
* CATEGORIES OF PERSONAL INFORMATION SOLD OR DISCLOSED
Within the last 12 months, within the meaning of the California Consumer
Privacy Act, we may have sold Personal Information identified in the above
categories.
Within the last 12 months, we have disclosed Personal Information as
identified in the above categories for our business purposes. To learn more
about the categories of third parties with whom we share such information,
please see Privacy Policy.
* HOW WE COLLECT PERSONAL INFORMATION
We obtain Personal Information from a variety of sources, including directly
provided by you, through our partners or affiliates, or from commercially or
publicly available data sources. Some of the products and services we offer
may include collecting information about you from credit bureaus; identify
verification and fraud prevention services, social media platforms; and
others consistent with the product or service. We also gather information
from or about you when you use our services, including accessing our
website(s), mobile application(s), and other online services, as well as
marketing and analytics providers. More information can be found at Privacy
Policy.
* HOW WE USE PERSONAL INFORMATION
We use the Personal Information we collect for the business purposes
disclosed within this Privacy Notice. Please see Privacy Policy. Please note
that the business purposes for which we may use your information include:
* Providing services on our behalf or on behalf of another organization,
including maintaining or servicing accounts, providing customer service,
fulfilling transactions, verifying identity information, processing
payments, and other services;
* Detecting and protecting against security incidents, and malicious,
deceptive, fraudulent or illegal activity, and prosecuting the same;
* Debugging to identify and repair errors in our systems;
* Conducting activity to verify, enhance, and maintain the quality or safety
of services or devices which we may own, control, or provide.
* Audits and reporting relating to particular transactions and interactions,
including online interactions, you may have with us or others on our
behalf;
* Short-term, transient use including contextual customization of ads;
* Conducting internal research to develop and demonstrate technology; and
We may also use the information we collect for our own or our service
providers’ other operational purposes, purposes for which we provide you
additional notice, or for purposes compatible with the context in which the
Personal Information was collected.
* YOUR CALIFORNIA RIGHTS
If you are a California resident, you have certain rights related to your
Personal Information.
* You have the right to request:
* the categories of Personal Information we have collected about you;
* the categories of sources from which the Personal Information is
collected;
* our business or commercial purpose for collecting or selling Personal
Information;
* the categories of third parties with whom we share Personal Information;
and
* the specific pieces of Personal Information we have collected about you.
* To the extent that we sell your Personal Information or disclose such
information for a business purpose, you may request that we disclose to
you:
* the categories of Personal Information that we have collected about you;
* the categories of sources from which the personal information is
collected;
* the business or commercial purpose for collecting or selling the personal
information;
* the categories of third parties to whom the Personal Information was
shared
* the specific pieces of Personal Information we have collected about you.
To recap the categories of Personal Information that we may collect, please
refer to Section 1 (above).
Right to Delete Personal Information
You have the right to request that we delete Personal Information about you
which we have collected from you, subject to certain exemptions.
* RIGHT TO OPT OUT/DO NOT SELL MY PERSONAL INFORMATION
If you are a California resident, you have the right to opt out of the sale
of Personal Information. To exercise this opt-out right, whether you have an
account or not, please submit a request privacy@sontiq.com. If you do not
have an account, include your name and email address or mailing address.
* SUBMITTING YOUR REQUESTS
You may submit your requests, as described above, or by:
* Completing our rights request form available here
* Calling us toll-free at 888-676-6847
* VERIFICATION OF IDENTITY
We want to ensure that the person requesting Personal Information is indeed
that person, or someone authorized to exercise these rights on their behalf
as permitted under CCPA. We will process Personal Information requests, once
the requestor’s identity has been verified or authority authenticated.
* NO DISCRIMINATION FOR EXERCISING RIGHTS
We do not discriminate against consumers because they have exercised any of
the rights granted by the CCPA.
© 2023 IdentityForce. All rights reserved. | Version 5.78.0.14 |
1-833-580-2523 | Trust Center | Terms of Use | Privacy Notice |
Do Not Sell My Personal Information
TIMEOUT NOTIFICATION
SECONDS
REMAINING
For your Privacy and Protection, this online session is about to timeout due to
inactivity.
If you are still working, please Click the Continue button below. To log out
now, click the log out button. If no choice is made, you will be automatically
logged out.
Continue Session Log Me Out Now