Terms of Service

Please read carefully before using this Site.

This website (“Site”) is owned and operated by Accucom Corporation (“we”, “our,” or “us”). These Terms of Use apply to any access or use by you (“you,” “your,” or “User”) of the IDStrong website (the “Site”), any mobile sites, applications, widgets, and other mobile interactive features associated with the Site (collectively, our “Apps”), through other services that we may offer in connection with our Site and Apps, through our official social media pages that we control (our “Social Media Pages”), as well as through email messages that we send to you (collectively, the Social Media Pages, Apps and Site, the “Sites”).

By accessing, browsing, or otherwise using the Sites, you agree to be legally bound by these Terms of Use. PLEASE READ THESE TERMS OF USE CAREFULLY. YOUR USE OF THE SITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS OF USE. DO NOT USE THE SITE IF YOU ARE UNWILLING OR UNABLE TO BE BOUND BY THE TERMS OF USE.

YOU REPRESENT THAT YOU ARE A NATURAL PERSON OVER EIGHTEEN (18) YEARS OF AGE, THAT YOUR ACCESS TO OR USE OF THE SERVICES DOES NOT VIOLATE APPLICABLE LAWS, AND THAT YOU AGREE WITH ALL THE TERMS OF THESE TERMS OF USE. YOU FURTHER REPRESENT AND WARRANT THAT YOU ARE ENROLLING IN ANY SERVICE(S) ONLY FOR YOURSELF, OR IF YOU ARE ENROLLING ON BEHALF OF ANY OTHER INDIVIDUAL, YOU HAVE THE AUTHORITY TO DO SO.

FURTHER, IF YOU ENROLL IN OR USE ANY OF OUR PROTECTION PROGRAMS, YOU ALSO REPRESENT AND WARRANT THAT YOU ARE A U.S. RESIDENT, THAT YOU HAVE PROVIDED US YOUR VALID U.S. SOCIAL SECURITY NUMBER, AND THAT YOU SHALL ONLY USE SUCH SERVICES IN CONNECTION WITH YOUR PERSONAL ACCOUNTS THAT ARE DIRECTLY ASSOCIATED WITH YOUR VALID U.S. SOCIAL SECURITY NUMBER.

IF YOU DO NOT AGREE TO THESE SERVICE TERMS, YOU MUST NOT ENROLL OR REGISTER FOR ANY OF THE SERVICES OR OTHERWISE USE THE SERVICES.

UNLESS YOU CONTACT US WITHIN FIFTEEN (15) DAYS OF RECEIVING YOUR WELCOME EMAIL OR, IF YOU DO NOT RECEIVE A WELCOME EMAIL BECAUSE YOU DO NOT HAVE AN EMAIL ADDRESS, WITHIN FIFTEEN (15) DAYS OF RECEIVING YOUR WELCOME KIT, YOUR ENROLLMENT WILL INCLUDE THE PROVISIONING OF ANY APPLICABLE INSURANCE COVERAGE.

These Terms of Use apply only to your use of the Sites, and was last updated as of July 21, 2020. We expressly reserve the right to revise these Terms of Use at any time and such revision shall be posted here and accessible via this link: https://idstrong.com/terms. Any revision and/or addition to these Terms of Use shall become effective and binding on you when you continue to use the Sites on or after the effective date of such revision and/or addition.

License to Use the Site

(a) License to Use the Site: We grant you a personal, limited, nonexclusive license to access and use the Sites, its contents, or any part of them (individually and collectively, the “IDStrong Content”) for your personal, individual, non-commercial, and non-automated use only. You may not access or use the Sites except for these express purposes and as expressly allowed by these Terms of Use.

(b) Your Consent: You understand that by accepting these Terms of Use, you are providing consent and written instructions to IDStrong, and its third-party processors, including but not limited to CSIdentity Corporation, and its employees, agents, subsidiaries, affiliates, contractors, third-party data sources and suppliers under the Fair Credit Reporting Act (FCRA), as amended, to exchange information about you with third party data sources and suppliers in order to verify your identity and to provide the Services to you. You agree and hereby authorize CISIdentity, its agents and employees, to provide your personally identifiable information to third parties as provided in our Privacy Notice, which may be amended from time to time. You waive any and all claims against us, CISIdentity Corporation, and any other third-parties involved in providing you with the Services for the acts and omissions of these third parties with regard to the use or disclosure of such information. You further authorize us to obtain various information and reports about you in order to provide the Services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offendor reports, and to provide monitoring and alerts.

(c) Free Scan: We offer you the option to have IDStrong run a free scan of certain of your personal information and present you with the initial results of that scan (the “Free Scan”). You agree that we may use the personal information you provide, including your name, telephone number, email address, user name, social security number, driver’s license, passport number, and preferred state, to perform the Free Scan, check that personal information against our public records databases and data breach databases, and present you with the initial results. IDStrong does not warrant that these free scans will be free of error or accurate. Additional search options and reports are available with the purchase of IDStrong services.

(c) Authorized Use: You agree that you will use the Services to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities.

Privacy and Security

You acknowledge that you have read, understand and agree to our Privacy Notice, located at https://idstrong.com/privacy. The Privacy Notice governs the collection, use and disclosure of your personal information. The Privacy Notice is hereby incorporated into and made part of these Terms of Use by reference.

Terms of Purchase

(a) Account Registration and Use License: In order to access and use all of the features of the Sites, you can register for an account (“User Account”). When you register for your User Account, you must provide true, accurate, current and complete information (“Account Information”), and you agree to update the Account Information in order to ensure that it is current. Upon proper registration and opening of a User Account, and subject to all of the terms and conditions of these Terms of Use, Accucom Corporation hereby grants to you the personal, non-transferable right and license to access and use the Site by displaying it on your internet browser only for the purpose of shopping for items sold on the Site and not for any commercial use or use on behalf of any third party, except as explicitly permitted by us in advance. Any breach of these Terms of Use shall result in the immediate revocation of the license granted in this paragraph without notice to you.

(b) Account Information: When enrolling for the Services, we will ask you for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, driver’s license number and social security number); personal information to verify your identify and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our Services, and to fulfill our obligation to provide our Services to you, including communicating with third parties as necessary to provide such Services, such as identification verification companies, consumer reporting agencies, credit bureaus, payment validation companies, law enforcement agencies, or others. For additional information on our privacy practices, please visit our Privacy Notice https://idstrong.com/privacy.

(c) Eligibility: As an express condition of being permitted to open a User Account, you represent and warrant that you (i) are at least 18 years of age or older; (ii) have the legal capacity (including, without limitation, being of sufficient age) to enter into contracts under the law of the jurisdiction in which you reside, (iii) are not on a list of persons barred you from receiving services under U.S. laws (including, without limitation, the Denied Persons List and the Entity List issued by the U.S. Department of Commerce, Bureau of Industry and Security) or other applicable jurisdiction and (iv) are not a resident of Cuba, Iran, North Korea, Sudan or Syria.

BY USING IDSTRONG OR PURCHASING IDSTRONG SERVICES, YOU AFFIRM THAT YOU ARE 18 YEARS OF AGE OR OLDER AND MEET ALL ELIGIBILITY CRITERIA OUTLINED IN THIS PARAGRAPH.

(d) Account Confidentiality, Security & Passwords: Upon registration on the Sites, you will provide us with a password to access your account. You are responsible for maintaining the confidentiality of your password, your account and for all of your activities and those of any third party that occur through your account, whether or not authorized by you. You agree to immediately notify us of any suspected or actual unauthorized use of your User Account.

You are solely responsible for maintaining the security of your email accounts, social media accounts, and financial and other accounts through the use of strong passwords, two-factor authentication, and other safety measures. If you suspect your account credentials have been compromised, you should immediately create new credentials and notify the relevant service or financial institution.

YOU AGREE THAT WE WILL NOT UNDER ANY CIRCUMSTANCES BE LIABLE FOR ANY COST, LOSS, DAMAGES OR EXPENSES ARISING OUT OF A FAILURE BY YOU TO MAINTAIN THE SECURITY OF YOUR ACCOUNT.

(e) Trial Periods: We may offer you access to a free trial use of IDStrong services. If you choose a free trial, your paid subscription will begin following the expiration of the free trial period, and fees for your subscription will be billed to the payment method provided as part of your Payment Information. To cancel your subscription before incurring your first subscription charge, contact customer service within the trial period.

(f) Payment of Fees: Payment of fees for purchases of IDStrong services must be made with current and valid payment method information (“Payment Information”). If your Payment Information is insufficient, or not accurate, current, and complete, and you do not notify us promptly when such information changes, we may refuse your use of IDStrong and, where applicable, suspend or terminate your subscription. Upon completion of the registration process, and payment to us of any fees owed, you will become eligible to receive the Services for which you have enrolled.

(g) Billing Policies: Fees will be billed to the payment method provided as part of your Payment Information on a recurring monthly basis until you cancel your subscription. You may cancel your subscription at any time by contacting customer services. Please note that subscription fees are billed monthly in advance; we will not refund the unused portion of your monthly subscription.

Charges for IDStrong services will appear on your credit or debit card bill as SAFECART.COM IDSTRONG or INFOPAYCOM 8003099351 or IDSTRONGCOM 8004707489.

(h) Personal Internet and Identity Insurance: When you sign up for an IDStrong Ultimate account, you will be enrolled in IDStrong’s Personal Internet and Identity Protection insurance program which will insure you against certain losses and reimbursed for certain out of pocket costs and expenses related to identity theft events, including:

  • Replacement of Documents;
  • Travel Expenses;
  • Lost Wages;
  • Childcare/Elderly Care;
  • Fraudulent Withdrawals/Unauthorized Electronic Funds Transfer (EFT); Reimbursement Coverage; and
  • Legal Costs

Please review the Summary of Benefits of the insurance policy (provided below), which explains the benefit limits and maximum reimbursements for the available services.

(i) Cancellation and Termination by You: You are solely responsible for properly canceling your User Account. You can cancel your User Account at any time by clicking on the settings link in the global navigation bar at the top of the screen, contacting us via email, phone, or via a chat feature, if provided. The settings screen provides a simple no-questions-asked cancellation link. Your cancellation will take effect immediately; however, the cancellation of your User Account will have no impact on any pending orders made via the Sites.

(j) Termination and Suspension by IDStrong: We reserve the right to terminate your User Account and/or these Terms of Use at any time and for any reason upon notice to you. We may also suspend our Service to you at any time, with or without cause. Any termination of your User Account and/or these Terms of Use will have no impact on any pending orders made via the Sites.

(k) Effect of Termination: Once your User Account is terminated, we may permanently delete your User Account and any or all User Content associated with it. Except where an exclusive remedy may be specified in these Terms of Use, the exercise by either party of any remedy, including termination, will be without prejudice to any other remedies it may have under these Terms of Use. All sections of these Terms of Use which by their nature should survive termination will survive, including without limitation, accrued rights to payment, use restrictions and indemnity obligations, confidentiality obligations, warranty disclaimers, and limitations of liability.

Changes to Services

We reserve the right to modify, add to, discontinue, and/or retire any Service and/or any feature of a Service at any time. We may also modify the terms that apply to the features and your use of the Services. We shall make reasonable attempts to provide you with notice of such modifications by posting them on the Sites. We have no obligation to provide direct notice of any such changes. We reserve the right to define eligibility criteria for the Services, and make changes to those criteria at any time.

Unless you have otherwise affirmatively agreed to such changes, by continuing to use the Service(s) and Site after any such changes or modifications to the Service(s) become effective, you agree to be bound by the revised terms. If you object to such change, your sole remedy shall be to terminate and/or cancel the Service. You can cancel the Service at any time.

Monitoring Services and Alerts

IDStrong offers services for monitoring important information including your personal identity information, public records information, social media accounts, personal credit, and financial information. To enable our monitoring services, you must provide us with the relevant Account Information, such as credit card numbers, bank accounts, and social media accounts. If you choose to activate monitoring services, you authorize IDStrong to monitor the web regarding your accounts on your behalf, and to access your credit report and credit score. You hereby grant us a non-exclusive, royalty-free, fully paid-up, license to use Account Information in order to provide you with IDStrong services. You are solely responsible for providing us with current and updated Account Information.

You may elect to have alerts concerning your credit report, credit score, online account security, and public records information delivered to your computer and mobile devices via email and/or SMS. You expressly authorize us to deliver such alerts to the email address and/or mobile number(s) you have provided to us. We will continue to deliver alerts to you until you change your delivery preferences or deactivate monitoring services. If your email address or mobile number changes, you must update that information with IDStrong in order to continue to receive alerts. Standard text messaging and data rates apply. You are solely responsible for all fees charged by your mobile service provider.

YOU AGREE AND UNDERSTAND THAT WE DO NOT MONITOR ALL POSSIBLE TRANSACTIONS WHICH MAY INVOLVE YOUR PERSONAL OR FINANCIAL INFORMATION, AND THAT INFORMATION BASED ON PUBLICLY AVAILABLE RECORDS MAY BE INCORRECT OR OUTDATED. WE WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY BASED ON YOUR RELIANCE ON OR USE OF ANY INFORMATION CONTAINED IN ANY ALERT, THE INACCURACY OR UNTIMELINESS OF ANY INFORMATION CONTAINED IN ANY ALERT, OR DUE TO A FAILURE TO SEND OR RECEIVE AN ALERT.

IDSTRONG SERVICES DO NOT INCLUDE THE PLACEMENT OF FRAUD ALERTS WITH CREDIT REPORTING COMPANIES. YOU ARE SOLELY RESPONSIBLE FOR NOTIFYING CREDIT REPORTING COMPANIES OF POSSIBLE FRAUDULENT ACTIVITY.

FCRA Notice

Accucom Corporation is not a “consumer reporting agency” as defined under the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 et seq., as amended, and the information in our databases has not been collected in whole or in part for the purpose of furnishing “consumer reports,” as defined by the FCRA. Rather, the information has been obtained by us as a result of being publicly available to us for our possession, use and dissemination. The IDStrong services are not intended or expected to be used for any purpose under the FCRA, and you agree and understand that you may not and will not use the IDStrong services for any such purpose.

Restrictions on Use

You are responsible for your access or use of the Sites.

(a) General Use Restrictions: You agree that you shall not (i) access or attempt to access any account that you are not authorized to access, (ii) modify or attempt to modify IDStrong in any manner or form, (iii) copy, distribute, or create derivative works based on the IDStrong Content (as defined below), (iv) exploit the IDStrong Content in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity, or (v) sublicense, sell, resell, or otherwise convey IDStrong or any elements thereof.

(b) IDStrong Content: Without limitation to these Terms of Use, you may not sell, re-distribute, re-publish, re-transmit, display publicly, modify, create derivative works from, or otherwise exploit the Site, its contents, or any part of them (individually and collectively, the “IDStrong Content”). We expressly retain all right, title and interest in and to the IDStrong Content, including, without limitation, all intellectual property rights therein and thereto. Except as expressly permitted by these Terms of Use, any use of the IDStrong Content may violate copyright and/or other applicable laws.

(c) Third Party Content: In addition to the IDStrong Content, the Sites may contain information and materials provided by third parties (collectively, “Third Party Content”). Third Party Content is the copyrighted work of its owner, who expressly retains all right title and interest in and to the Third Party Content, including, without limitation, all intellectual property rights therein and thereto. In addition to being subject to these Terms of Use, Third Party Content may also be subject to different and/or additional terms of use and/or privacy notices of such third parties. Please contact the appropriate third party for further information regarding any such different and/or additional terms of use applicable to Third Party Content.

(d) Trademarks: IDStrong, the IDStrong Logo and all of our product names are trademarks and services marks of Accucom Corporation (collectively “IDStrong Trademarks”), and nothing in these Terms of Use shall be construed as granting any license or right to use the IDStrong Trademarks without our prior written consent. All trademarks, service marks and logos included on the Sites (“Marks”) are the property of Accucom Corporation or third parties, and you may not use such Marks without the express, prior written consent of Accucom Corporation or the applicable third party.

(e) No Automated or Non-Human Means of Access: You also may not access or use the Site through any automated or non-human means, such as through bots, spiders, scripts, or software; you may not access or use the site for purpose of scraping, harvesting, mining, or other data extraction; and you may not access or use the site for any interference, disruption, or other illegal or unauthorized purposes, such as interference with the Site’s operations or interference with access to the Site and such as through viruses, Trojan horses, worms, time bombs, cancelbots, or other such applications.

(f) Additional permissions: You may request additional permissions to use any IDStrong Content by contacting us as described on the Sites. In making any such request, you represent and warrant that all information and statements you provide to us are true and accurate and that you are authorized to act on behalf and to bind any organization on whose behalf you may be requesting permissions.

You may make no use of the IDStrong Content not expressly allowed in these Terms of Use until and unless we contact you and grant additional permissions—and then only exactly in line with any such permissions. If not expressly stated otherwise in our grant of any such additional permissions, our grant of any such permissions is revocable at any time by us and expires six months after the date of the grant. Additionally, if granted any such permissions, you represent and warrant that your use of any permitted IDStrong Content will not violate any applicable law, rule, or regulation, violate the rights of any third party (including without limitation by defamation or violating any rights or publicity or privacy).

(g) Monitoring of IDStrong Content and use of Sites: We reserve the right, but do not undertake the obligation, to monitor the use of the Sites, and to investigate and take appropriate legal action against any party that uses the Sites in violation of these Terms of Use or applicable law. We reserve the right to accept, reject or modify any IDStrong Content, but assumes no liability based on its acceptance, rejection, modification or failure to modify any IDStrong Content.

Your Messages, Requests, or Other Comments or Content to or for Us

The Sites may provide you with the ability to contact us through e-mail addresses, contact forms, or other means. To the extent that you do so and send along any ideas, input, feedback, or anything of similar nature, you grant us a perpetual, irrevocable, nonexclusive, royalty-free license to use any such ideas, input, feedback, or anything of similar nature to change our existing products or services, to develop new products or services, or otherwise in our business.

Notwithstanding anything to the contrary set forth herein or otherwise, we will have the right to collect and analyze data and other information relating to the provision, use or performance of the Sites and related systems and technologies (including information concerning user data and data derived therefrom), and to aggregate and/or anonymize all such data and information. IDStrong will be free at any time to: (i) use such information and data to improve and enhance IDStrong’s offerings; and (ii) disclose such data in aggregate or other de-identified form in connection with its business. Any such use of information under this provision shall be in conformance with our Privacy Notice, available at https://idstrong.com/privacy.

Linked Websites and Services

The Sites may contain links to and integrations with third party websites and services, and you agree that we provide links to and integrations with such websites and services solely as a convenience and has no responsibility for the content or availability of such websites or services, and that we do not endorse such websites or services (or any products or other services associated therewith). Access to any other internet site linked to the Sites is at your own risk, and we are not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these sites. Your use of such websites and services will be subject to the terms applicable to each such website and service. You may not post a link that directs users to any content or information that would constitute a violation of these Terms of Use.

Disclaimers

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF IDSTRONG IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, IDSTRONG IS PROVIDED ON AN “AS IS” OR “AS AVAILABLE”. WE EXPRESSLY DISCLAIMS ALL WARRANTIES, GUARANTEES, AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED ON THE IDSTRONG WEBSITE OR IN ANY OTHER MATERIALS YOU MAY RECEIVE FROM IDSTRONG DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED, WE DO NOT MAKE ANY WARRANTY OR REPRESENTATION REGARDING THE USE, VALIDITY, ACCURACY, AVAILABILITY, OR RELIABILITY OF, OR THE RESULTS OF THE USE OF, OR OTHERWISE RESPECTING, IDSTRONG. YOUR USE OF IDSTRONG IS SOLELY AT YOUR OWN RISK.

IDSTRONG DOES NOT AND CANNOT DETECT, PREVENT, OR REPORT ALL DATA BREACHES, IDENTITY THEFT. WE DO NOT AND CANNOT GUARANTEE THAT THE PUBLIC RECORDS INFORMATION OR PUBLICLY AVAILABLE INFORMATION MADE AVAILABLE ON IDSTRONG IS ACCURATE OR UP TO DATE.

Limitation of Liability

(a) Indemnification: YOU AGREE TO DEFEND AND INDEMNIFY US FOR ANY CLAIMS RESULTING FROM OR RELATING IN ANY WAY TO YOUR BREACH OF ANY PROVISION OF THESE TERMS OF USE AND YOUR USE OF THE SITE OR ANY IDSTRONG CONTENT.

(b) Disclaimer of Warranties: EXCEPT AS EXPRESSLY SET FORTH IMMEDIATELY IN THESE Terms of Use, WE PROVIDE THE SITES (INCLUDING WITHOUT LIMITATION ANY AND ALL IDSTRONG CONTENT) “AS IS,” WITHOUT WARRANTY OF ANY KIND; AND TO THE MAXIMUM EXTENT ALLOWED BY LAW, WE DISCLAIM ANY EXPRESS OR IMPLIED WARRANTY REGARDING THE PROVISION OF THE SITE AND ANY CONTENT ON IT—INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE ENTIRE RISK IN THE USE OF THE SITES RESTS WITH YOU. ACCUCOM CORPORATION SHALL NOT BE LIABLE OR RESPONSIBLE IN ANY WAY FOR ANY LOSSES OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OR RELIANCE ON ANY MATERIAL CONTAINED ON THE SITES. ACCUCOM CORPORATION MAKES NO REPRESENTATION OR WARRANTY THAT THE AVAILABILITY OF THE SITES OR THAT THE SIDES WILL BE UNINTERRUPTED, OR THAT THE SITES AND/OR THE IDSTRONG CONTENT WILL BE ERROR FREE OR THAT ALL ERRORS WILL BE CORRECTED.

(c) Limitation of Liability: TO THE MAXIMUM EXTENT ALLOWED BY LAW, YOU AGREE THAT ACCUCOM CORPORATION AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING WITHOUT LIMITATION ANY LOSS OF PROFITS, DATA, USE, OR GOODWILL) RESULTING OR RELATING IN ANY WAY TO YOUR ACCESS OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITES (OR ANY IDStrong Content)—WHETHER BASED ON WARRANTY, CONTRACT, TORT/NEGLIGENCE, OR OTHER LEGAL THEORY—EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OF LIABILITY SET FORTH ABOVE, SO THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU. IF ANY PART OF THIS LIMITATION ON LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF ACCUCOM CORPORATION AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS UNDER SUCH CIRCUMSTANCES FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

Arbitration

Any dispute concerning any IDStrong services or these Terms will be settled by binding arbitration in Boston, Massachusetts, in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Judgment upon the award made by the arbitrator(s) may be entered in any court having jurisdiction thereof. You acknowledge that agreeing to such binding arbitration constitutes a waiver of your right to a jury trial, and that this agreement to arbitrate is voluntary and not legally required. If any arbitration or legal action or similar proceeding is instituted by either party concerning the payment of our fees or costs advanced hereunder, the prevailing party will be entitled to collect its reasonable attorneys’ fees, in addition to any other relief the party may obtain.

Changes to these Terms of Use

We reserve the right to amend these Terms of Use at our discretion and at any time. When we make changes to these Terms of Use, we will post the new Terms of Use on the Sites. By continuing to access, browse, or otherwise use the Sites, you agree to be legally bound by any such new Terms of Use.

Location of the Sites and your Use

We operate or control the operation of the Sites from the United States. In addition, the Sites may be mirrored, and other websites operated or controlled by us may be operated from various locations in and outside of the United States. We make no representation or warranty that all of the features of the Sites will be available to you outside of the United States, or that the Sites are permitted to be accessed outside of the United States. Additionally, the Sites may not be helpful or relevant to all international users. You acknowledge that you are solely responsible for any decision by you to use the Sites from locations outside of the United States, and that such use may be subject to, and that you are responsible for, compliance with applicable local laws.

Governing Law and Jurisdiction

These Terms of Use will be governed by and construed in accordance with the laws of the State of Massachusetts, without reference to its conflict of laws principles. All claims/disputes arising out of or relating to these Terms of Use will be submitted to the exclusive jurisdiction of a court of competent jurisdiction located in or near Boston, Massachusetts, and each party irrevocably consents to such personal jurisdiction and waives all objections to this venue.

General

These Terms of Use constitute the entire agreement between you and us with respect to matters set forth in these Terms of Use and supersede any prior or contemporaneous understanding or agreement; and there are no third-party beneficiaries to these Terms of Use. These Terms of Use will bind and inure to the benefit of any assignees or successors in interest of or to you or us. Section and paragraph headings in these Terms of Use are used for convenience and reference only and in no way define, limit, extend or otherwise describe the scope or intent of these Terms of Use and may not affect the meaning or interpretation of these Terms of Use. If any provision of these Terms of Use is deemed invalid or unenforceable, that provision will be reformed and construed consistently with applicable law as nearly as possible to reflect the original intentions of these Terms of Use; and in any event, the remaining provisions of these Terms of Use will remain in full force and effect. No waiver of any of the provisions of these Terms of Use is a waiver of any other provision, whether or not similar, nor does any waiver constitute a continuing waiver.

Contacting Us

If there are any questions regarding these Terms of Use, please click here to contact us or you may contact us using the information below:

Idstrong.com
Accucom Corporation
227 Lewis Wharf
Boston, MA 02110

Summary of Benefits

Personal Internet & Identity Protection

For Members Within the United States of America

As a registered member, you are entitled to the benefits listed below for so long as your membership is in good standing. This Summary of Benefits does not state all the terms, conditions, and exclusions of the Policy. Your coverage will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary. In exchange for receiving these benefits, and as a prerequisite for obtaining them, you agree to abide by the terms and conditions herein.

General Information

If you have any questions regarding your benefits, please call the customer service number located in your membership materials.

Benefit Limits

Costs to restore identity and / or reimbursement of expenses including:

  1. Cost of Replacing Documents - Up to $2,000.00 for each Stolen Identity Event.
  2. Traveling Expenses- Up to $2,500.00 for each Stolen Identity Event.
  3. Loss of Income- Up to $200.00 per day, for a maximum benefit period of one (1) month, but not to exceed $6,000.00 for any one Stolen Identity Event.
  4. Childcare/Elderly Care- Up to $200.00 per day, for a maximum benefit period of one (1) month, but not to exceed $6,000.00 for any one Stolen Identity Event.
  5. Unauthorized Electronic Funds Transfer- Up to $10,000.00 resulting from any one Stolen Identity Event.
  6. Legal Costs- Up to a total of $1,000,000.00 for any one Stolen Identity Event.

Coverage is subject to conditions and exclusions in the policy. The policy covers the United States and Puerto Rico, but excludes New York.

The most We will pay you under this Protector Program benefit is up to $1,000,000 per event, or the limits stated above, whichever is the lesser amount.

Filing a Claim: To file a claim for benefit entitlement under this program, please call: 1-866-884-0688.

Benefits

We shall pay you for the following in the event of a Stolen Identity Event:

Costs

  1. Reasonable and necessary costs incurred by you for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a Stolen Identity Event;
  2. Reasonable and necessary costs incurred by you for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report Stolen Identity Event and/or amend or rectify records as your true name or identity as a result of a Stolen Identity Event.
  3. Reasonable and necessary costs incurred by you with our consent for up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within six (6) months after your knowledge or discovery of a Stolen Identity Event.

Replacement of Documents.

The actual cost of replacing documents as a result of a Stolen Identity Event including but not limited to, driver's licenses, passports, birth certificates, marriage certificates and stock certificates, including the cost of additional legal expenses such as affidavits required in connection with obtaining a replacement document.

Traveling Expenses.

The reasonable additional expenses (including, but not limited to, gas, parking, and airline tickets) incurred by you or by your authorized representative, holding a power of attorney or guardianship appointment to act on your behalf, in traveling to obtain replacement documents, to attend government departments or legal representatives, or to rectify records in connection therewith as a result of the Stolen Identity Event.

Loss of Income.

Actual lost income that would have been earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off work and away from the work premises of you or your authorized representative, holding a power of attorney or guardianship appointment to act on behalf of you, solely as a result of efforts of you or your authorized representative to amend or rectify records relating to your true name or identity as a result of a Stolen Identity Event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days but not for sick days or any cost arising from time taken from self-employment. Coverage is limited to wages lost within twelve months after your discovery of a Stolen Identity Event.

Childcare and Elderly Care.

The cost to you or your authorized representative, holding a power of attorney or guardianship appointment to act on your behalf, of providing additional childcare or care of elderly relatives for which you (or your authorized representative, holding a power of attorney or guardianship appointment to act on your behalf) is directly responsible while having to travel to replace documents, attend government departments or legal representatives, or rectify records as a result of a Stolen Identity Event.

Unauthorized Electronic Fund Transfer Reimbursement.

The principal amount, exclusive of interest and fees, incurred by you and caused by an Unauthorized Electronic Fund Transfer first occurring during the policy period for which you have first sought reimbursement from the financial institution which issued the access device and holds the account from which funds were stolen, and for which you have not received reimbursement from any source.

Legal defense fees and expenses.

Reasonable and necessary fees and expenses incurred in the United States by you using your attorney to:

  1. Defend any civil suit brought against you by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a results of a Stolen Identity Event;
  2. Remove any civil judgment wrongfully entered against you as a result of a Stolen Identity Event.

Definitions

For the purposes of your entitlement to benefits under this program, the following definitions shall apply:

Access Devices means a card, code or other means of access to a Member's Account, or any combination thereof, that may be used by the Member of initial Fund Transfers.

Account means a cash, demand deposit *checking), savings, money market, brokerage, or credit account of the Member held directly or indirectly by a financial or credit institution and established primarily for personal, family or household purposes.

Business means any employment, trade, profession or occupation.

Financial institution mean a bank, savings, association, credit union, credit institution or company issuing credit, or any other person that directly or indirectly holds an account belonging to a member, or that issue an access device and agrees with a member to provide fund transfer services.

Fund Transfer means any transfer of funds, including any that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing or authorizing financial institution to debit or credit a member's account. Fund transfer includes but is not limited to (i) point of sale transfers; (ii) automated teller machine transfers; (iii) direct deposits or withdrawals of funds; (iv) transfers initiated by telephone; and (v) transfers resulting from debit or credit card transactions, whether or not initiated through an electronic terminal.

Loss means costs relating to the member benefits defined in this document.

Stolen Identity Event means the theft of your personal identification, [Government issued identifying number, e.g. social security number], or other method of identifying you, which has or could reasonably result in the wrongful use of such information, including but not limited to Stolen Identity Events occurring on or arising out of your use of the internet. A Stolen Identity Event does not include theft or unauthorized or illegal use of your business name, d/b/a or any other method of identifying your business activity.

Stolen Funds Loss means the principal amount, exclusive of interest and fees, incurred by the member and caused by an unauthorized fund transfer. Stolen funds loss shall not include any amount for which the member did not seek or receive reimbursement from the financial or credit institution which holds the account from which funds were stolen, and Stolen Funds Loss shall not include any mount for which the member received reimbursement from any source.

Unauthorized Fund Transfer means an electronic fund transfer from your personal deposit account initiated by a person other than you without the actual authority to initiate such transfer and from which you receive no benefit. An Unauthorized Electronic Fund Transfer (UEFT) does not include an electronic fund transfer initiated:

  1. by a person who was furnished the access device to your account by you, unless you have notified the financial institution that transfers by such person are no longer authorized;
  2. with fraudulent intent by you or any person acting in concert with you;
  3. by the financial institution of its employee; or
  4. from any business or commercial account.

"You", "Your" or "The Member" means the natural person who, at the time of a Stolen Identity Event is on record as enrolled in a Membership Program that includes the benefits state herein.

"We", "Us", "Our" means the company providing this Protector Program.

You shall have the following duties and obligations at all times. This program provides benefits to you only if you follow these duties and obligations, which are in addition to any of your obligations otherwise specified within.

A. If a stolen identity event occurs, you shall:

Promptly, but no later than 90 days after a stolen identity event occurs, notify us of a stolen identity event. You shall also follow our written instructions to mitigate potential loss, which will be provided to you in a claims kit and which will include the prompt notification of the major credit bureaus, the Federal Trade Commission's Identity Theft Hotline and appropriate law enforcement agencies.

B. If a Stolen Funds Loss occurs, you shall also:

  1. Promptly, but no later than 90 days after first discovery by you of a stolen identity event notify us of the loss, submit to us the written proof of stolen funds loss provided to you in a claims kit, and provide any other reasonable information or documentation that we may request;
  2. Take all reasonable steps to mitigate loss resulting from a stolen identity event including, but not limited to, requesting a waiver for any applicable fees, loan application fees or credit bureau fees; and
  3. Provide all assistance and cooperation that we may require in the investigation and determination of any loss, including but not limited to:
    1. Immediately forwarding to us any notices, summons or legal papers received by you in connection with a loss or the identity theft;
    2. Authorizing us to obtain records and other information with regard to any loss;
    3. Cooperating with and helping us to enforce any legal rights that you or us may have against anyone who may be liable to you;
    4. Attending depositions, hearings and trials, securing and giving evidence, and obtaining the attendance of witnesses with regard to any loss; or
    5. Answering questions under oath from us or our authorized representatives at such times as may be reasonably required about any matter relating to your loss, as well as permitting us or our authorized representatives to inspect your books and records. In such even, your answers under oath will be signed.

C. If a Stolen Funds Loss occurs, you shall:

  1. Take all reasonable steps to prevent further stolen funds loss after suffering an unauthorized electronic fund transfer including, but not limited, to promptly contracting the financial institution which issued the access device and holds the account;
  2. Take all reasonable steps to obtain reimbursement for the stolen funds loss from the financial institution which issued the access device and holds the account;
  3. Promptly give notice to us of the stolen funds loss and detailed information regarding the stolen funds loss, including without limitation, the type, dates, and amount of stolen funds loss;
  4. Send you at our request, a signed, sworn proof of stolen funds loss, or affidavit containing the information our request to investigate the stolen funds loss. The member shall do this within sixty (60) days after your request. WE shall supply you with the necessary forms;
  5. Provide us with complete description of efforts to obtain reimbursement from the financial institution that issued the access device and holds the account and stated reasons why full or partial reimbursement was not provided; and
  6. Provide any other reasonable information or documentation that we may request.

Period of Benefit Entitlement

You will only be entitled to benefits under this program if a Stolen Identity Event or Unauthorized Electronic Fund Transfer first occurs while you are a registered member and you have reported the event to us in accordance with the terms and conditions herein. You will not be entitled to any benefit if the Stolen Identity Event or Unauthorized Electronic Fund Transfer first occurs prior to you becoming a member or after your membership ends.

Other Benefits or Insurances

The Protector Program benefits will be provided only in excess of any other benefit or insurance, including without limitation, homeowner's or renter's insurance. Ifyou have other benefits or insurance that applies any losses under this program, the other benefit or insurance shall pay first. This program only applies to the amount of loss that is in excess of any other applicable insurance in no event shall we pay more than what is shown for the benefits that what is shown above.

Duplicate Coverages

Should you be enrolled in more than one membership program provided by us or any of our affiliates, we will reimburse you under each membership program subject to the applicable terms and conditions of each membership program. In addition, in no event shall the total amount reimbursed to you under all membership programs exceed the actual amount of loss.

* The Internet Identity Coverage is backed by an insurance policy issued to CSIdentity Corporation by an A.M. Best "A-rated" Underwriter.

In the event the policy is terminated, non-renewed or canceled CSIdentity Corporation will cancel your benefits on the effective date of that termination, non-renewal or cancelation.