www.myidmanager.com Open in urlscan Pro
216.246.117.113 Public Scan

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Submitted URL:
http://www.myidmanager.com/
Effective URL:
https://www.myidmanager.com/
Submission: On January 11 via api (January 11th 2022, 8:40:35 am UTC) from CH — Scanned from DE

Form analysis
2 forms found in the DOM

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  <div class="row">
    <div class="col-md-12">
      <input id="registration-code" type="text" name="registration-code" autocomplete="off" placeholder="Insert registration code here" aria-label="Insert registration code here" class="form-control" value="">
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  </div>
  <div id="registration-code-error" class="error-block"> Invalid or expired registration code </div>
  <button id="registration-code-button" class="btn btn-start primary-btn second-bg">Start</button>
  <img src="images/loader.gif" alt="loading" class="button-loading">
</form>

<form class="registration-action-block" onsubmit="return false;" autocomplete="off">
  <div class="row">
    <div class="col-md-6">
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  <button id="client-login-button" class="btn btn-transparent shade-bg">Login</button>
  <img src="images/loader.gif" alt="loading" class="button-loading">
</form>

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TERMS AND CONDITIONS

v3 - December 1st 2021

--------------------------------------------------------------------------------

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

A. 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”).

B. 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.

C. 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 Period/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 PERIOD
HAS ENDED OR THAT THE PAID PORTION OF YOUR SUBSCRIPTION HAS BEGUN. WE RESERVE
THE RIGHT TO MODIFY OR TERMINATE TRIAL PERIOD 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.

A. 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.

B. 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

A. 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.

B. 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.

C. 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

A. 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.

B. 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”).

C. 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.

D. 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)).

E. 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.

F. 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

A. 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.

B. 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.

C. 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.

D. 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.

E. 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.

F. 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.

G. 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.

H. 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”):

(i) 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.

(ii) 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.

(iii) You acknowledge that Sontiq, and not Apple, is responsible for providing
the App and Content thereof.

(iv) You acknowledge that Apple has no obligation whatsoever to furnish any
maintenance or any support services to you with respect to the App.

(v) To the maximum extent permitted by applicable law, Apple will have no other
warranty obligation whatsoever with respect to the App.

(vi) 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.

(vii) 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.

(viii) 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.

(ix) 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.

(x) 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.

v2 - December 1st 2021

--------------------------------------------------------------------------------

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 view, print, or download 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.

AdRoll

Advertising

View here.

Rubicon

Advertising

View here.

OpenX

Advertising

View here.

Pubmatic

Advertising

View here.

Quantcast

Advertising

View here.

Verizon Media | Yahoo Ad Exchange

Advertising

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.

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