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<h3 style="margin-bottom: 0px;"><a aria-label="" class="css-1g9pcfc" rel=""
data-cy="link-/enrollment" href="/enrollment" title="Basic Identity
Protection">Basic Identity Protection</a></h3>
Enrollment|Terms and Conditions|
TERMS AND CONDITIONS OF GENERALI GLOBAL ASSISTANCE IDENTITY PROTECTION PRODUCTS
This website (the "Site") is owned and/or operated by Generali Global
Assistance, Inc. ("GGA") and is subject to the Terms of Service, Privacy Policy,
and other legal notices posted on the Site, and these Terms and Conditions,
which you should read before proceeding.
GGA provides the services listed below ("the Products"), which are part of GGA's
Identity Protection Program ("IDP"). The IDP Products are accessible through the
GGA Identity Protection Portal ("IPP") and the Products may only be used by you
in accordance with these Terms and Conditions (the "Terms").
There are different IDP programs. Please refer to the plan details in your
Account Details page to be aware of the Products that are included in your IDP.
These Terms set forth the terms and conditions applicable to your use of the IDP
Products as a Member, meaning that by enrolling in the IDP Program or by using
any of the IDP Products (a) you as the Primary Member and each participating
Member in your family agree to the Terms on behalf of yourself and all other
Members and (b) all other Members agree to the Terms. By accessing the IPP,
enrolling or attempting to enroll in the IDP, or using the Products you and all
participating family Members acknowledge and agree that these Terms are a
legally binding contract between you and GGA. Any Member who does not agree to
the Terms is not authorized to use the Products.
By enrolling in the IDP Program and/or by using any of the IDP Products (a) you
as the Primary Member on behalf of yourself and all other Members, and (b) each
Member using any of the IDP Products represent and warrant that the information
provided to the IDP is true and correct to the best of your or such Member's
knowledge and belief.
Some IDP Product features may be provided through authorized third party
providers and may be subject to additional terms and conditions implemented by
those authorized providers.
A. DEFINITIONS
"Primary Member" means an individual person who has purchased IDP and is duly
enrolled in compliance with the terms of enrollment. A Primary Member must be at
least 18 years of age to purchase IDP and a citizen or legal resident of the
United States of America.
"Member" and "you" means a Primary Member, a Spouse/Domestic partner and any
Dependent Children who are in compliance with the terms of enrollment in the
IDP. A Member must be a citizen or a legal resident of the United States of
America.
"Dependent Children" means unmarried children from the moment of birth,
including natural children, stepchildren, and adopted children primarily
dependent upon the Primary Member for maintenance and support, and who are under
age 19 or age 25 if enrolled as a full-time student, or unmarried children
regardless of age who are incapable of self-support because of a mental or
physical disability. When a Dependent Children reaches age 25, he or she will no
longer be eligible for services.
"Spouse" means a person who is married to the Primary Member.
"Domestic Partner" means the mentally-competent partner of a Primary Member,
either of the same or the opposite sex who is at least 18 years of age and has
met all of the following requirements for at least 6 months:
i) Resides with the Primary Member; and
ii) Shares financial assets and obligations with the Primary Member.
We may require proof of the Domestic Partner relationship in the form of a
signed and completed affidavit of domestic partnership.
"Program" means the combination of Products that is included in your IDP. Please
refer to the plan details in your Account Details page to be aware of the
Products that are included in your IDP.
"Purchase Date" and "Effective Date" means the date when the Primary Member
purchases the IDP.
"Renewal Date" means each annual anniversary of the Purchase Date.
An "Individual Plan" includes the Primary Member only.
A "Couple Plan" includes the Primary Member and the Spouse or Domestic Partner.
For more detailed information regarding Couple Plans, see Section L below.
A "Family Plan" includes the Primary Member, the Spouse or Domestic Partner and
up to (6) six Dependent Children. For more detailed information regarding Family
Plans, see Section L below.
B. PREVENTION AND DETECTION PRODUCT SERVICES
IMPORTANT NOTICE: AS AN IDP MEMBER YOU ARE ENTITLED TO RECEIVE ANY OF THE IDP
SERVICES LISTED BELOW THAT ARE INCLUDED IN YOUR IDP PROGRAM MEMBERSHIP PLAN. IN
ORDER TO USE SOME SERVICES INCLUDED IN YOUR IDP MEMBERSHIP YOU MUST FIRST
ACTIVATE THE INDICATED SERVICES BY PROVIDING US OR OUR APPROVED THIRD PARTY
SERVICE PROVIDERS WITH ADDITIONAL INFORMATION ABOUT YOURSELF. PROVIDING SUCH
INFORMATION IS ENTIRELY OPTIONAL, BUT IF YOU CHOOSE NOT TO PROVIDE THE REQUESTED
INFORMATION, SOME INCLUDED SERVICES WILL NOT BE AVAILABLE FOR YOU TO USE OR YOU
MAY NOT BE ABLE TO RECEIVE ALL THE FEATURES OF INCLUDED SERVICES. ALL PERSONAL
INFORMATION WE RECEIVE FROM YOU WILL BE TREATED AS CONFIDENTIAL AND WILL BE USED
ONLY BY GGA AND ITS APPROVED SERVICE PROVIDERS TO HELP PROVIDE THE PRODUCT
SERVICES YOU HAVE REQUESTED. FOR ADDITIONAL INFORMATION RELATING TO USE OF
INFORMATION YOU PROVIDE IN CONNECTION WITH OUR PRODUCTS, PLEASE SEE OUR PRIVACY
POLICY.
1. 24/7 Expertise: GGA's U.S. based Identity Theft resolution specialists and
online resources are available 24/7 to educate you about how identity theft
occurs as well as provide tips to help keep your identity safe.
2. Opt-Out Services: GGA will assist you with opting out of pre-approved
direct mail credit card offers and marketing phone calls.
3. Identity Theft Protection Kit: GGA will provide you with an identity theft
protection kit that explains many forms of identity theft and provides
prevention advice and resolution resources. The kit also contains a Federal
Trade Commission sample affidavit form as well as sample letter templates
for filing disputes in cases of identity theft or fraud.
4. Preventative Education: GGA will provide online resources and phone
assistance via GGA's Identity Theft Resolution center to educate you on how
identity theft occurs as well as protective measures anyone can take to
limit their risk.
5. Online Identity Monitoring Dashboard (requires activation): If your Program
includes this service, we will provide an online monitoring dashboard to
monitor your identity risk level, track your credit profile, access
identity theft protection tips and respond to alerts from our online
platform.
6. Monthly risk alert/newsletter: GGA will send you communications to keep you
abreast of identity-related threats that are commonly faced by consumers in
today's world as well as the services & protections you could utilize
through your identity theft protection program.
7. Credit Monitoring, Report and Score (requires activation): If your Program
includes this service, GGA will provide you with access to your credit
report and credit score and will monitor your credit file for changes that
could indicate fraud such as new credit inquiries, an address change, or
new credit account(s) opened in your name. Some IDP programs include access
to 1 or 3 Bureau Credit Monitoring, Reports, and Scores with alerts
throughout the term of the IDP.
1. 7.1 Credit Monitoring Services:
1. Credit Monitoring—1 Bureau (requires activation): If your Program
includes this service, our credit monitoring services track your
credit report at TransUnion®—and alerts you of any changes that could
indicate fraud (e.g., new credit inquiries, an address change, or a
new credit account opened in our name). GGA will send alert
notification emails anytime potentially unauthorized inquiries or
suspicious activities on your credit file are detected so you can
take immediate action to minimize damage. You will be able to view
alert details, close out any legitimate activity, or flat reports
that need immediate attention. If you cannot successfully enroll in
Credit Monitoring, you will be notified via email.
2. Credit Monitoring—3 Bureau (requires activation): If your Program
includes this service, our credit monitoring services track your
credit report at the three major credit bureaus, Transunion®,
Experian®, and Equifax®, and alerts you of any changes that could
indicate fraud (e.g., new credit inquiries, an address change, or a
new credit account opened in your name). GGA will send alert
notification emails anytime potentially unauthorized inquiries or
suspicious activities on your credit file are detected so you can
take immediate action to minimize damage. You will be able to view
alert details, close out any legitimate activity, or flag reports
that need immediate attention.
3. Credit Report and Score—1 Bureau (requires activation): If your
Program includes this service, you will receive 24/7 online access to
your credit report and credit score at Transunion® to view the
factors that affect your credit score and ensure that your credit
history is accurate.
4. Credit Report and Score—3 Bureau (requires activation): If your
Program includes this service, you will receive 24/7 online access to
your credit report and credit score from all three major credit
bureaus to view the factors that affect your credit score and ensure
that your credit history is accurate.
5. Monthly Credit Report and Score Refresh (requires activation): If
your Program includes this service, we will keep regular tabs on
updates to your credit score with our monthly credit report and score
refresh (available on the first of every month).
6. Credit Monitoring Alerts: If your Program includes this service, you
will receive an alert if any changes to your credit profile are
detected, such as:
* New credit inquiries
* An address change
* New credit account opened in your name
7. Notifications are sent via email so you can take immediate action to
minimize damage should the activity be unauthorized. This service
allows you to view alert details, close out any legitimate activity,
or flag reports that need immediate attention.
2. Credit Monitoring Services Conditions:
1. Eligibility: If included in your IDP, Credit Monitoring is available
to the Primary Member only under the Individual Plan and to the
Primary Member and a Spouse or Domestic Partner under the Couple and
Family Plans, and you must be at least 18 years of age. Credit
Monitoring services are not available to Dependent Children under the
IDP program.
2. Consent to Obtain Credit Information: By enrolling in the Credit
Monitoring service, you certify that the information you have
provided in connection with your account is true an accurate. You
agree that, by enrolling in Credit Monitoring, and each time you
access your credit report or score, you are providing "written
instructions" as set forth in the Fair Credit Reporting Act for
Transunion® to obtain your consumer credit report and score from a
consumer reporting agency including but not limited to Experian®,
Transunion®, and/or Equifax®. You also agree that, by enrolling in
Credit Monitoring, you are providing "written instructions" as set
forth in the Fair Credit Reporting Act for GGA to obtain your
consumer credit report and score from a consumer reporting agency
including but not limited to Experian®, Transunion®, and/or Equifax®,
solely for the purpose of (i) attempting to authenticate your
identity in the event you cannot successfully enroll in Credit
Monitoring through the online enrollment process on the IDP, or (ii)
in the event you are the victim of identity theft. GGA does not store
your credit report or score or share that information with third
parties. (Transunion® is a registered trademark of Transunion LLC.,
Experian® is a registered trademark of Experian Information
Solutions, Inc., and Equifax® is a registered trademark of Equifax,
Inc.)
3. Service only Available if We Can Match: If Credit Monitoring cannot
match you with a consumer report or is otherwise unable to obtain
your score, you will not be able to use this service until such time
as you have built a credit history or otherwise corrected the
matching error that has prevented us from obtaining your credit.
4. Communications: You agree to receive in electronic form all other
communications regarding Credit Monitoring services. As part of the
Credit Monitoring service, we may send you alerts by email. You
consent to receive these communications.
5. Right To Receive A Free Credit Report From AnnualCreditReport.com:
Credit Monitoring provides access to your credit score and related
information. However, it's important to know that, by law, you also
have the right to free credit reports from AnnualCreditReport.com or
by calling 877-322-8228, which is the authorized source under Federal
Law for free credit reports. By law, you may obtain one free credit
report from each of the three national credit reporting agencies
(Experian, Equifax, and Transunion) during any twelve-month period.
For more information, go to consumerfinance.gov.
6. Termination: We may terminate your access to Credit Monitoring at any
time and for any reason without notice. If you close your account or
your account charges off, we will terminate your access to Credit
Monitoring.
7. Please see Section K of these Terms, Limitations and Exclusions,
paragraph 3, Credit Monitoring Services Limitations, for further
information on these services.
8. ScamAssist® Research Service:
If your Program includes this service, GGA will attempt to help you
determine if an offer or solicitation you have received is an apparent
scam, is from a malicious source, or is otherwise unsafe to engage with.
You will be entitled to open up to four (4) ScamAssist® cases in any given
calendar month. Please see Section K of these Terms, Limitations and
Exclusions, paragraph 4, ScamAssist® Research Service Limitations, for
further information on these services.
9. Online Data Protection Services
1. Online Data Protection: this service
requires account activation to access software and software
installation: If your Program includes this service, GGA's Online Data
Protection Suite includes the DataScrambler®, PhishBlock® and Ransom
Stop™
software that helps protect your personal data from key-logging,
phishing attacks and ransomware attacks. The Online Data Protection
Suite may be installed on your
computer or laptop. The Online Data Protection Suite includes the
following features:
1. PhishBlock® provides peace of mind when surfing the Internet by
alerting you before you navigate to fake or malicious websites
specifically designed to steal your personal information.
PhishBlock® software provides protection against fraudsters targeting
users’ personal information via fake websites.
2. DataScrambler® helps safeguard your sensitive information by
protecting you from spyware that attempts to steal confidential
information, log your keystrokes, and access your computer’s built-in
webcam. The DataScrambler® is inserted into your browser and shows
your actual keystrokes being replaced by alternate keystrokes,
providing a visual display of how user information is being
continuously protected.
3. Ransom-Stop™ software aims to prevent ransomware attacks and offers
security protection for laptops or computers. The Ransom-Stop™
software constantly monitors activity looking for suspicious
encryption activity and if algorithms determine that there is
suspicious activity, it protects emails, photographs, spreadsheets
and other files from being encrypted and held for ransom. You are
able to view (and alter) the encryption blocked by the Ransom-Stop™
software, if desired.
Please see Section K of these Terms, Limitations and Exclusions,
paragraph 5, Online Data Protection Services Limitations for further
information on these services.
(DataScrambler® and Phishblock® are registered trademarks of Generali
Global Assistance, Inc.)
10. Identity Monitoring Services
1. Identity Monitoring (requires activation to access your alerts): If your
Program includes this service, you will receive access to Identity
Monitoring ("Identity Monitoring"): Through our authorized provider, we
search the deep and dark web to detect compromised credentials and
potentially damaging use of your personal information, and alert you via
email so that you can take immediate action. This platform utilizes
automated monitoring and human threat intelligence from cyber operations
agents monitoring threat actors and their tactics on the deep and dark
web where personal data is bought and sold. Examples of types of alerts
include:
1. High Risk Transactions
2. Compromised credentials: such as a Member's username, email address
or passwords within a data breach, malicious third party botnets, or
criminal forums; and
3. Black Market activity related to your personal information
C. IDENTITY THEFT RESOLUTION PRODUCT SERVICES
If you or a family member experience an identity theft incident ("Identity
Theft") our Identity Theft Resolution services can help. Upon notification of an
Identity Theft of a Member and receipt of a duly completed and executed
authorization form from the Member, we treat each Identify Theft as an emergency
and will perform any or all of the following steps necessary to attempt to undo
or prevent further damage to you:
1. 24/7/365 US-Based Certified Identity Theft Resolution Specialists: Our team
of Identity Theft Resolution Specialists is available 24/7 year-round to
help resolve your Identity Theft incident and prevent further damage. Our
Resolution Specialists have both Federal Credit Reporting Act (FCRA) and
Certified Identity Theft Risk Management Specialist (CITRMS®)
certifications.
2. Spanish and French Support: GGA will provide support in English, Spanish,
and French through its 24/7 call center located in Bethesda, Maryland.
3. Translation Services: We'll translate when necessary, such as when you're
overseas and need help communicating with the local authorities in order to
file a report of an Identity Theft incident. It is the responsibility of
the Member to pay for any cost associated with the translation services.
4. Attempted Resolution: A representative of our company will perform the
necessary tasks to attempt an identity resolution for you or a loved one on
your plan (after a police report, limited power of attorney, and identity
theft affidavit are completed and submitted).
5. Assist with Pre-Existing Incidents: Even if an incident of Identity Theft
occurred prior to your joining our Program, as long as you were not aware
of this incident at the time of your enrollment, our Resolutions
Specialists will work to correct any identity-related issues you may be
experiencing from this pre-existing incident. (INSURANCE COVERAGE IS
EXCLUDED FOR THIS SERVICE).
6. ID Theft Affidavit Assistance and Submission: If your identity has been
compromised, we’ll provide you with a pre-populated identity Theft
affidavit to dispute any fraudulent claims or activity. After assisting
with its completion, we will submit it to the authorities, credit bureaus
and creditors on your behalf.
7. Creditor Notification, Dispute, and Follow-Up: We’ll contact your
creditors’ fraud departments with separate itemized account statements to
dispute each fraudulent occurrence. We will also continue to follow-up
until each matter has been properly handled keeping you notified throughout
the process with a status report on a regular basis.
8. 3-Bureau Fraud Alert: GGA will assist with placing a fraud alert on your
records at all three major credit bureaus to add a layer of protection from
fraudulent activity. A fraud alert can be set by you directly with
TransUnion via the IPP or directly with TransUnion or with the other credit
bureaus. By setting up an Initial One Year Fraud Alert with TransUnion via
the IPP, you will have a fraud alert with the other two credit bureaus. You
may place a fraud alert provided you have a good faith suspicion that you
are or are about to become a victim of identity fraud or related crime,
including identity theft. Extended Fraud Alerts and Active Duty Fraud
Alerts can only be set by you directly with TransUnion or with the other
credit bureaus. Placing an Extended Fraud Alert or an Active Duty Fraud
Alert with one credit bureau will not set it up with the other two. You
have to place Extended Fraud Alerts and/or Active Duty Fraud Alerts with
each credit bureau separately.
9. Inform Police/Legal Authorities: We’ll assist you in reporting the
fraudulent activity to the local authorities and we will forward a report
of the fraudulent activity to creditors.
10. Locate Authorities Nearby: When you are away from home, we will assist in
locating local authorities for you to report any incidents of fraudulent
activity.
11. Credit Freeze: If you need to block suspicious activity occurring on your
credit file, we’ll work with the major credit bureaus to place a credit
freeze on your credit record(s) in states where this service is available
in accordance with state law.
12. Lost Wallet Assistance: We’ll assist with notifying the appropriate bank or
issuing authority to assist you in canceling or replacing stolen or missing
items such as credit/debit card, driver’s license, Social Security card, or
passport.
13. Medical Identity Theft Assistance: In the event you become the victim of
medical identity theft, we’ll provide help with fraudulent medical claims
placed in your name and medical care that was received fraudulently by
another individual in your name. We will help you to ensure that
healthcare, insurance claims and medical records are corrected and we will
involve our in-house medical staff if necessary. If your identity is
fraudulently used to obtain medical services and treatment, we’ll work with
your healthcare providers and insurers to attempt to resolve the issues,
ensuring that your claims and medical records are corrected. We will
involve our in-house medical staff if necessary.
14. Emergency Cash Advance: If you experience Identity Theft more than 100
miles from your primary place of residence, we’ll provide you an emergency
cash advance of up to $500. All costs associated with this service will be
your responsibility. These services must be secured by a valid credit card.
Any advance made to you, not otherwise secured by a valid credit card and
paid to GGA by the credit card company within 30 days of such advance, must
be reimbursed by you to us within 45 days from the date such advance is
made. Thereafter any amount due will accrue interest at a rate of 1.5% per
month. Notwithstanding anything to the contrary herein, GGA shall be under
no obligation to advance funds not otherwise secured by a valid credit
card.
15. Emergency Travel Arrangements and Journey Continuation: If you experience
Identity Theft while traveling more than 100 miles away from home, we’ll
assist with making emergency travel arrangements, including airline, hotel,
and car rental reservations. Costs associated with these arrangements are
your responsibility.
16. Tax Fraud Assistance: If your Program includes this service, in the event
you become the victim of tax fraud, we'll provide help with fraudulent tax
returns filed in your name and refunds that were received fraudulently by
another individual in your name. We will help you to ensure that tax
records are corrected, will work with the IRS Tax payer Advocate Service
and we will involve a certified tax resolution specialist, if necessary.
Please see Section K of these Terms, Limitations and Exclusions, paragraph
2, Identity Theft Resolution Services Limitations, for further information
on these services.
17. $1 Million Identity Theft Insurance: If your Program includes insurance and
if you become a victim of identity fraud while enrolled in the IDP, the
Identity Theft Insurance can reimburse you for covered out-of-pocket
expenses related to the recovery process and professional service fees
associated with identity and resolution. For a copy of your Summary of
Benefits
click here and Master Policy
click here.
Identity Theft Insurance provides coverage for the following reasonable and
necessary costs resulting from an Identity Theft event:
* refiling applications
* long distance phone calls
* postage
* document notarization
* child/elder care
* initial legal consultation
* legal costs
* lost income
* mental health counselling
* travel expenses
Payment limits exist for each reimbursable category and some exclusions
apply. Please carefully read the full summary of benefits and the actual
Master Policy of insurance to understand full coverage benefits and
applicable exclusions and limits of coverage.
Identity Theft Insurance is provided under a master policy of insurance
underwritten by Generali U.S. Branch that has been issued to Generali
Global Assistance, Inc. This summary is intended for informational
purposes only and does not include all terms, conditions and exclusions of
the policy. Coverage may not be available in all jurisdictions. Members
must refer to the actual policy for terms, conditions, and exclusions of
coverage. Members must also review their summary description of benefits.
Generali US Branch (New York, NY; NAIC # 11231) operates under the
following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in
California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S.
Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and
The General Insurance Company of Trieste and Venice – U.S. Branch in
Virginia. Generali US Branch is admitted or licensed to do business in all
states and the District of Columbia.
D. PERSONAL CYBER PROTECTION SERVICES
1. 24/7 Cyber Protection Advice & Guidance
GGA will provide you with access to cyber risk specialists to assist you with
questions about cyber security. This service includes the following:
a. Provision of telephone support for Members who seek advice and guidance on
a range of topics related to cyber security. Cyber security topics include home
network and internet configuration, backup/restore practices, identification of
differing scams and phishing attempts, email security, online browsing safety,
unsecured wifi hotspot usage, backup & restore & other security topics.
b. Answer questions on best practices, and make suggestions on prevention and
on steps to take when in doubt.
c. Review attempts of device compromises such as spam emails with the Member.
d. Online Frequently Asked Questions (“FAQ”)
2. Data Recovery & Device Cleanup Assistance
GGA will provide you with access to specialists who will assist you with efforts
to remove malware/viruses from your computer and internet-connected devices via
remote access.
If you are hit by malware, ransomware, or a virus, GGA will assist by providing
the following services:
a. Data Recovery:
i. Assistance with device restoration to a working state, including OS
reinstallation or device reset as needed.
ii. Assistance with setup of regular backup to the Member’s preferred solution
to ensure optimal availability in the event of loss.
iii. Download, install, or troubleshoot software applications.
iv. Update and troubleshoot device driver and firmware.
b. Device Cleanup:
i. Updating/Upgrading of operation systems (“OS”) patches related to security
vulnerabilities in PC and mobile devices.
ii. Update software including security and OS patches MS, Chrome, OSX, Android,
IoS.
iii. Scanning and removal of cyber infections such as virus, malware, adware,
etc. where possible.
iv. Device tune-up to improve performance and operability.
v. Attempt to resolve complex OS issues like frequent crashes/freezing, booting,
and other errors.
vi. Assistance with virus and malware removal including spyware, Trojans, PIPs,
rootkit and other infections.
vii. Device tune-up such as junk file clean up, free space, battery life issue
improvement, etc.
3. Home Internet Security Restoration Service
GGA will provide you with access to cyber risk specialists who will assist you
via remote access with efforts to restore and secure your home internet
connection and internet-connected devices if you are a victim of a cyber-attack.
If you are a victim of a cyber-attack, GGA’s team of specialists will work to
restore your home internet connection and internet-connected devices and
re-secure your home networking infrastructure to help prevent a breach from
happening again.
Services include efforts to remotely:
a. Identify and troubleshoot Internet service to confirm issue (infection,
breach, etc.) and repair any connectivity, OS or configuration issues on
devices.
b. Provide advice to consumer on resolution steps as required if issue is
determined to be outside of the home environment.
c. Optimize wifi for connected devices in the home network.
d. Troubleshoot, research and repair router or connected device issues as
possible; ensure that router is updated to latest OS and firmware when possible.
e. Provide information on best practices to secure the home network. This
includes answering questions and advising on best practices.
f. Repair connectivity issues with devices related to OS or configuration where
possible.
Please see Section K of these Terms, Limitations and Exclusions, paragraph 6,
Personal Cyber Protection Services Limitations, for further information on these
services.
E. FEES
The Primary Member may select to pay the IDP fee(s) on an annual basis, on a
monthly basis or on a monthly with down payment basis.
If the annual payment option is selected, the annual fee is due in full at the
time of purchase.
If the monthly payment option is selected, the monthly fee is due every month
and will be billed automatically to your payment method (credit card or
electronic fund transfers through your bank account) on record each month unless
and until you cancel your membership.
If the monthly with down payment option is selected, the down payment fee is due
in full at the time of purchase. The monthly fee is due every month starting
from the end of the down payment period and will be billed automatically to your
payment method (credit card or electronic fund transfers through your bank
account) on record each month unless and until you cancel your membership.
Non-payment of the applicable fee when due will result in termination of
services effective on the date the payment was due.
As a service to its Members, GGA employs technology that automatically
recognizes payment card updates and allows GGA to execute payment on the updated
card on file in the Primary Member’s account.
F. CANCELLATION POLICY
The IDP membership may be cancelled only by the Primary Member within the first
thirty (30) calendar days from the Purchase Date. To cancel your IDP Program,
please contact GGA by phone at the numbers provided in the upper right hand side
area of the IDP website or cancel online by logging into your account and
navigating to the Account Details page. If the option to cancel online is
offered in your program, then it will appear within the My Plan section by
selecting Update Plan. Cancellation is effective immediately upon receipt of the
telephonic or online request from the Primary Member (the “Cancellation Date”).
IDP membership paid on a monthly basis may be cancelled prior to the end of any
month during the term of the membership. To cancel your IDP Program, please
contact GGA by phone at the numbers provided in the upper right hand side area
of the IDP website or cancel online by logging into your account and visiting
your Account Details page. If the option to cancel online is offered in your
program, then it will appear within the My Plan section by selecting Update
Plan. Cancellation of a monthly payment IDP membership is effective immediately
upon receipt of the telephonic or online request from the Primary Member (the
“Cancellation Date”), subject to the Refund Policy as set forth below.
Refunds of any payments made by the Primary Member for the IDP are subject to
the IDP’s Refund Policy as set forth below.
G. REFUND POLICY
If you have selected an annual payment, the annual fee is refundable upon
request made by telephone only within the first thirty (30) calendar days from
the Purchase Date (the “Refund Period”). If insurance coverage is included in
your IDP Plan and there has been a covered expense on behalf of a Member during
the Refund Period, then the annual fee is not refundable. Refunds will be made
to the same form of payment originally provided by the Primary Member at the
time of enrollment.
If you have selected monthly payment, the first monthly fee is refundable upon
request made by telephone only within the Refund Period. If insurance coverage
is included in your IDP Plan and there has been a covered expense on behalf of a
Member during the Refund Period, then the monthly fee is not refundable.
Cancellation will stop monthly billing effective as of the first day of the next
month following the Cancellation Date and Members will cease to receive services
starting on the Cancellation Date. If you cancel the IDP Program after thirty
(30) calendar days from the Purchase Date, you will not be entitled to any
refund of payments already made to the IDP Program. Refunds will be made to the
same form of payment originally provided by the Primary Member at the time of
enrollment.
If you have selected the monthly with down payment option, the down payment fee
is refundable upon request made by telephone only within the first thirty (30)
calendar days from the Purchase Date (the "Refund Period"). If insurance
coverage is included in your IDP Plan and there has been a covered expense on
behalf of a Member during the Refund Period, then the down payment fee is not
refundable. Cancellation will stop monthly billing effective as of the first day
of the next month following the Cancellation Date and Members will cease to
receive services starting on the Cancellation Date. If you cancel the IDP
Program after thirty (30) calendar days from the Purchase Date, you will not be
entitled to any refund of payments already made to the IDP Program. Refunds will
be made to the same form of payment originally provided by the Primary Member at
the time of enrollment.
If you participate in a free trial offer, unless you request to terminate your
participation in the IDP Program within thirty (30) calendar days from the
beginning of the free trial, you will automatically be enrolled in the IDP
Program and the Primary Member’s credit card will automatically be charged the
applicable amount for your IDP membership on a monthly basis. The first monthly
fee is refundable upon request made by telephone only within thirty (30)
calendar days from the date the first monthly fee is charged to the Primary
Member’s credit card (the “Enrollment Date”). Cancellation will stop monthly
billing effective as of the first day of the next month following the
Cancellation Date and Members will cease to receive services starting on the
Cancellation Date. If you cancel the IDP Program after thirty (30) calendar days
from the Enrollment Date, you will not be entitled to any refund of payments
already made to the IDP Program. Refunds will be made to the same form of
payment originally provided by the Primary Member at the time of enrollment.
If you notify GGA of your intention not to renew membership at any time prior to
the Renewal Date, the Program will not be renewed and no additional fee will be
incurred.
H. TERM
The program is effective on the day of sale (the "Effective Date") and is active
for one year provided that the Primary Member has paid the total amount of the
applicable annual, monthly, or monthly with down payment fee. Thereafter, on
each anniversary of the Effective Date (each a "Renewal Date"), the IDP will
renew automatically for additional one (1) year terms unless the Primary Member
gives notice of his or her intention not to renew at any time before the Renewal
Date but not later than two (2) business days prior to the Renewal Date. The
Primary Member must pay the total amount of the applicable annual or monthly
fee, depending on which payment option the Primary Member has chosen, for each
additional term. Note: If monthly with down payment was chosen initially the
additional term will continue on a monthly basis. Please see Refund Policy
above.
I. RENEWAL TERM
After the Initial Term, the program renews automatically for additional one (1)
year terms unless the Primary Member gives notice of his or her intention not to
renew before the Renewal Date. The Primary Member must pay the total amount of
the applicable annual or monthly fee each additional year. Note: If monthly with
down payment was the payment option chosen initially, then the monthly fee will
continue to apply every month during each additional year. Please see Refund
Policy above.
GGA will send a renewal notice to the Primary Member one month prior to the
Renewal Date to inform him or her that the IDP membership will automatically
renew for the same annual or monthly fee in the same form of payment that was
originally provided unless the Primary Member provides notice of intent not to
renew in accordance with the cancellation procedures set forth above at any time
but no later than two (2) business days prior to the Renewal Date.
J. LIMIT OF LIABILITY
By enrolling in the IDP program and/or by using any of the services, you, as
Primary Member, and each Member agree that the total and exclusive liability of
GGA and its employees, officers, directors, attorneys, agents, assigns and
third-party contractors (the "GGA Parties") to any Member for any claims,
demands or damages relating to or arising out of IDP, the provision of services
or any failure to provide services, shall be limited to the refund of the amount
paid to GGA by the Member for the IDP program ("Limit of Damages"). You, as
Primary Member, and each Member agree to indemnify and hold the GGA Parties
harmless for all damages, costs and expenses, including reasonable attorneys'
fees and costs, incurred by GGA in or relating to any legal proceeding brought
by or on behalf of any Member for any claim, demand or damages in excess of the
Limit of Damages. To the maximum extent permitted by law, notwithstanding any
other provision of these Terms and Conditions, in no event shall GGA be liable
to you or any Member for any exemplary or punitive damages, any remote or
consequential damages or any damages not arising directly and proximately from
the provision of services, regardless or whether or not such damages were
reasonably foreseeable by GGA at the time of the provision of services or the
Member's enrollment in the IDP program.
K. LIMITATIONS AND EXCLUSIONS
1. General Limitations
1. EXCEPT FOR EXPRESS WARRANTIES, IF ANY, STATED IN THESE TERMS AND
CONDITIONS, ANY SOFTWARE USED OR SERVICES PROVIDED IN CONNECTION WITH THE
IDP AND ASSOCIATED PRODUCTS, IS PROVIDED “AS IS,” WITH ALL FAULTS, AND
THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND
EFFORT IS WITH YOU, THE USER. IN ADDITION, GGA EXPRESSLY DISCLAIMS ANY
IMPLIED WARRANTY OF MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE,
AND SUITABILITY FOR YOUR INTENDED PURPOSES.
2. Identity Theft Resolution Services Limitations
1. Identity Theft(s) discovered by Members prior to enrollment in the IDP
program are not eligible for services nor for insurance.
2. GGA does not guarantee that its intervention on behalf of the Member duly
enrolled in the IDP will result in a particular outcome or that its
efforts on behalf of the Member will lead to a result satisfactory to the
Member.
3. GGA services do not include, and GGA shall not assist the Member for,
thefts involving non-US bank accounts.
4. Note: some creditors may require the Member to provide their
authorization over the telephone before our Resolution Specialists can
begin to work with the creditor directly in resolving an identity theft
case.
5. GGA provides its Emergency Cash, Travel Arrangements, Translation and
Lost Wallet Assistance services in all countries of the world. However,
GGA may determine that services cannot be provided in certain countries
or locales because of situations such as war, natural disaster, political
instability or regulatory restrictions. GGA will attempt to assist a
Member consistent with the limitations presented by the prevailing
situation in the area.
6. Services cannot always be assured if conditions such as war, disaster or
political instability render assistance Services difficult or impossible
to provide. In such instances, Supplier reserves the right to suspend,
curtail or limit its services in any area in the event of rebellion,
riot, military uprising, war, terrorism, labor disturbance, strikes,
nuclear accidents, acts of God or refusal of authorities to permit
Supplier to fully provide Services or inclusion on an economic or trade
sanction list (such as, but not limited to the U.S. Department of the
Treasury’s Office of Foreign Assets Control List).
7. GGA shall not be responsible for failure to provide, or for delay in
providing services when such failure or delay is caused by conditions
beyond its control, including but not limited to labor disturbance and
strike, rebellion, riot, civil commotion, war, terrorism, or uprising,
nuclear accidents, natural disasters, acts of God, inclusion on an
economic or trade sanction list or where rendering services is prohibited
by local law or regulations.
3. Credit Monitoring Services Limitations
1. Unless otherwise indicated, all credit scores furnished with our Products
are Transunion® Credit Scores. By this, we mean that all credit scores
are prepared by Transunion and make use of the Transunion® VantageScore®
3.0, which is a proprietary credit model developed by Transunion®.
Although the Transunion® VantageScore® 3.0 is sometimes used by lenders,
it is unlikely that your particular lender will use the Transunion®
VantageScore® 3.0. When prepared and delivered to you as part of the IDP,
the Transunion® VantageScore® 3.0 is provided solely to help you
understand how lenders may evaluate your overall credit risk. Therefore,
nothing in our Products is an endorsement or a determination of any
person's qualification for a loan, or any other extension of credit.
2. Your use of the Transunion® Credit Scores is subject at all times to all
Transunion® terms and conditions, restrictions, and disclaimers. GGA
assumes no responsibility of any kind for the completeness or accuracy of
any Transunion® Credit Score. GGA does not represent that the TransUnion®
VantageScore® 3.0 is identical or similar to any other credit score or
score model.
3. In the case of the TransUnion® VantageScore® 3.0, refer to Transunion's
Terms of Use here.
4. MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM
CERTAIN GOVERNMENT AGENCIES. IN ADDITION, CREDIT REPORTING AGENCIES ARE
REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT
NO CHARGE OR FOR A NOMINAL FEE. NONE OF THE PRODUCTS OFFERED THROUGH THIS
SITE ARE INTENDED AS A SUBSTITUTE FOR THE CONSUMER CREDIT INFORMATION
THAT MAY BE AVAILABLE TO YOU WITHOUT CHARGE. PRIOR TO PURCHASING ANY
PRODUCT, YOU SHOULD VISIT WWW.ANNUALCREDITREPORT.COM FOR FURTHER DETAILS
REGARDING YOUR RIGHT TO OBTAIN A COPY OF YOUR CONSUMER CREDIT FILE.
4. ScamAssist® Research Service Limitations
1. In the ScamAssist® Research Service, GGA Resolution Specialists research
and attempt to determine whether the offer or solicitation a Member has
received is an apparent scam, is from a malicious source, or is otherwise
unsafe to engage with. Members should be aware that no system used to
detect scammers, malware or dangerous items is entirely successful or
foolproof. Accordingly, Members who use ScamAssist® and any findings
and/or safety assessment provided to Members in the content of the email
do so entirely at the Members’ own risk
2. GGA’s ScamAssist® services are provided to Members on an "AS IS" and "AS
AVAILABLE" basis. Without limiting the foregoing, GGA AND ITS AFFILIATES,
AGENTS, PARTNERS AND SUBSIDIARIES DISCLAIM ANY WARRANTIES, EXPRESS OR
IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR
NON-INFRINGEMENT IN CONNECTION WITH SCAMASSIST.
3. GGA may use or rely upon third-party websites or resources to perform
ScamAssist®. By using ScamAssist®, the Member acknowledges and agrees
that GGA is not responsible or liable for: (i) the availability or
accuracy or effectiveness of such websites or resources; or (ii) the
content, products, or services on or available from such websites or
resources. Usage by GGA of such resources, or links to such websites or
resources that may be found on the GGA website, does not imply any
endorsement by GGA of such websites or resources or the content,
products, or services available from such websites or resources. By
using ScamAssist®, the Member acknowledges sole responsibility for and
assumes all risk arising from Member’s reliance on GGA’s findings based
on GGA’s use of any such websites or resources.
5. Online Data Protection Services Limitations
1. Use of PhishBlock®, DataScrambler® and Ransom-Stop™ software requires
that the
Member agrees to the Online Data Protection Suite End User Agreement
when accessing these services.
2. The Online Data Protection Suite has a version supported on Windows
operating
systems and a version supported on Mac OS X operating systems. Both
versions
support Phishblock® and Datascrambler®. The Ransom-Stop™ feature is only
available under the Windows version.
3. The Online Data Protection Suite provides a maximum of ten (10)
downloads
4. The Online Data Protection Suite software is designed to protect the
Member online,
but like all products designed to combat malicious software, the
licensor cannot guarantee that the software will be 100% effective.
5. Neither GGA nor the licensor, guarantee that the software will be free
of all errors or
bugs, or free from interruption or failure.
6. You should not consider the software as the sole means of protecting
yourself from
identity theft and you should take other prudent measures to reduce risk
such
as the use of up-to-date anti-virus software, safekeeping of passwords,
careful
use of payment cards and the shredding of important documents.
7. You should therefore acknowledge that, whilst the supplier of the
software
guarantees that the software is of satisfactory quality and is
reasonably fit
for the purpose for which it is supplied, you are responsible for the
selection
of the software as suitable for your purposes in the context of your
overall
approach to the risk of identity theft.
8. Neither GGA nor the licensor are responsible for any problems arising
from the
unsuitability of the software for the Member’s purposes unless that is
due to
the GGA’s misrepresentation or misdescription or some other breach of
duty on
the part of the licensor or on the part of GGA.
9. Members should agree to the Online Data Protection Suite End User
Agreement available in the website.
10. Neither GGA nor the licensor are responsible for payment of any
ransomware demands.
6. Personal Cyber Protection Services Limitations
1. The Personal Cyber Protection Services are for residential,
non-commercial
computers only.
2. Support for Cyber Protection Services is available for up to a maximum of
six (6)
devices.
3. GGA is not responsible and shall not be liable for any wrongful act or
omission of
any cyber risk specialist who is not an employee of GGA.
4. GGA will use commercially reasonable efforts to assist you in receiving
the specific service. However, not all problems can be remotely diagnosed
or corrected easily, and some may require you to return your computer to
its original state, reload the operating system, application software, re
your personal settings and data, or work with a third-party hardware or
software vendor to resolve the problem.
5. Your right to use the services is not transferable. You may not use the
services in
connection with any sharing arrangement, on behalf of any third party or
with respect to any device not owned by you or software program not
installed on devices owned by you.
6. In the course of providing the services, GGA may determine that the issue
is beyond the scope of the Services or the ability of the cyber risk
specialists to remedy remotely. You acknowledge that home tech support
is limited to remote support and that Home Tech Support may not be able
solve every technical problem. You acknowledge it may not be possible to
defeat or overcome ransomware, and that not all spyware, malware or virus
can be successfully removed, and that such removal or removal attempts
may impact the performance of other software programs on the your system.
GGA does not guarantee or warrant that any or all ransomware, spyware,
malware or virus will be or can be removed, and GGA does not guarantee or
warrant that any spyware, malware or virus removal or removal attempt
will not impact the performance of other programs on your systems.
7. Home tech support does not include any responsibility of GGA to pay any
ransomware demands.
8. GGA does not warrant that GGA will be able to correct all problems as the
services
are provided by remote access only and issue resolution is subject to the
physical working condition of the devices, ability to secure remote
access and the technical issue being in scope of GGA as set forth in
section D of these Terms.
K. GOVERNING LAW AND JURISDICTION
These Terms shall be deemed to be made in the State of Maryland and shall in all
respects be interpreted, construed and governed by and in accordance with its
laws without application of conflicts of law provisions. For any disputes
arising out of the Terms, the parties irrevocably submit to the jurisdiction of
the local and federal courts of the State of Maryland, which shall serve as the
exclusive forum for the purposes of any suit, action or other proceeding, except
for a suit by GGA seeking injunctive relief, which GGA may pursue in any
appropriate forum.
L. SPECIAL PROVISIONS PERTAINING TO COUPLE AND FAMILY PLANS
Couple Plan
The GGA Couple Plan allows the Primary Member to purchase a single membership
that enables their Spouse or Domestic Partner to enjoy the Plan benefits.
Although the Primary Member may pay for their Spouse or Domestic Partner to be
in the Couple Plan, each Member of the Plan must separately enroll in the Plan
by providing their own email address and other identifying information to access
the Couple Plan benefits. Each Member will have their own login and password.
Neither Member in a Couple Plan is allowed to access the personal information of
the other Member and all notifications, alerts and monitoring information will
be sent only to the email address provided by the individual Member at the time
such Member signs up for IDP services.
Family Plan
The GGA Family Plan allows the Primary Member to purchase a single membership
that enables their Spouse or Domestic Partner to enjoy the Plan benefits In
addition, the Family Plan allows the Primary Member to monitor up to six (6) of
their Dependent Children by means of the "Child Monitoring" Product feature of
the Plan. Information pertaining to minor Dependent Children will be associated
with and viewable on the Primary Member’s account. Dependent Children between
the ages of 18 -24 may be enrolled under the Family Plan only as adult Members
with their own email, login and password, and their information will not be
viewable by the Primary Member. When a Dependent Child reaches age 25, he or she
will no longer be eligible for services.
Enrollment of Minor Children in Family Plan
As part of your Family Plan membership, you are entitled to enroll Dependent
Children. You may enroll Dependent Children under the age of 18 for whom you are
the legal parent or guardian by providing required information including, but
not limited to, a valid Social Security number and date of birth for each of
your minor children, and supporting documentation as requested. When a Dependent
Child turns 18, you will be notified to provide an email for that child and your
access to the child’s information will be blocked. A Dependent Child 18 years
and older must set up their own password and login to retrieve their
information.
Further Certifications or Documents May Be Required
We will provide information about a minor child only to a Primary Member who is
also the minor child's parent or legal guardian. By enrolling any minor child,
you must certify that each such child is under the age of eighteen (18) years of
age and you are the parent or legal guardian of each minor child whom you have
named on the enrollment forms. We may also require further documentation
regarding your status as parent or legal guardian prior to releasing certain
information to you. YOU ACKNOWLEDGE AND AGREE THAT IT IS ILLEGAL FOR ANYONE TO
OBTAIN PERSONAL INFORMATION CONCERNING A MINOR CHILD FOR WHOM THEY ARE NOT THE
PARENT OR LEGAL GUARDIAN AND YOU FURTHER ACKNOWLEDGE AND AGREE THAT YOUR
ENROLLMENT OF YOUR MINOR CHILD REQUIRES US TO OBTAIN INFORMATION ABOUT YOUR
CHILD AND THAT ANY INFORMATION ABOUT YOUR MINOR CHILD THAT YOU OBTAIN FROM US
WILL BE USED SOLELY FOR THE PURPOSE OF ASSISTING YOU IN PROTECTING YOUR MINOR
CHILD AGAINST ACTUAL, SUSPECTED OR POTENTIAL FRAUD.
Automatic Suspension
When a Dependent Child turns 18, you will be notified to send a link to your
child to enroll with that child’s own email, login and password under the Family
Plan. On the child’s 18th birthday, your access to the child’s information will
automatically cease and all Child Monitoring will automatically cease on that
date. Once this occurs, you will no longer be eligible to receive monitoring of
any sort regarding that child. If your Dependent Child proceeds to enroll under
the Family Plan as an adult, they may continue to receive the Family Plan
Product for as long as they remain an eligible Dependent Child and your Family
Plan stays in effect.
Last Revision Date: March 26, 2021
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