IDBeMe Terms and Conditions

Service Available Upon IDBeMe Enrollment

· 24-Hour Access: Members will have toll free access to the multilingual EA-USA Coordination Center in Bethesda, Maryland, 24 hours a day, 365 days a year.
· 3-Bureau Credit Monitoring: The Primary Member will have unlimited access to three-bureau credit monitoring with alerts throughout the membership in addition to TransUnion unlimited credit report and score. The Primary Member will have one-time access to credit reports from the three Credit Bureaus upon initial Covered Member sign-up. This Service shall be available to the Covered Member only.
· Education: Educate the Member on how Identity Theft occurs and advice on protective measures to take to avoid further occurrences.
· Information Kit: Offer to send by postal or email an ID Theft Resolution Kit that explains the many facets of the crime and provides prevention advice and resolution forms.
· Opt-out Services: Assist the Member in opting out of pre-approved credit card offers, direct mailing campaigns, and marketing phone calls through www.optoutprescreen.com.

Identity Theft Resolution Services

Upon notification of an identity theft of a Member and receipt of a duly completed and executed authorization form from the Member, EA-USA treats each “Identify
Theft” as an emergency and will perform for the Member any or all of the following steps necessary to attempt to undo or prevent further damage:

· 24-Hour Access: Members will have toll free access to the multilingual EA-USA Coordination Center in Bethesda, Maryland, 24 hours a day, 365 days a year.
· Credit Report Review: Obtain all pertinent credit information and history in “Real Time” with the Member including review of the Member’s credit report in “Real Time” to determine if a fraud or theft has occurred. For the purpose of the IDBeMe program, the term “Real Time” shall mean in current time.
· ID Theft Affidavit Assistance: Provide the Member with an ID Theft Affidavit (“Affidavit”), answer any questions with regard to completing the Affidavit and submit the Affidavit to the proper authorities, credit bureaus, and creditors on the Member’s behalf.
· Credit and Charge Card Replacement Assistance.
· Contacting Creditors: Obtain from the Member a list of creditors to be notified and contact them with separate itemized fraudulent account statements for each fraudulent occurrence.
· Inform Police/Legal Authorities: Assist the Member in reporting the fraudulent activity to the local authorities and forward a report of the fraudulent activity to the Member’s creditors.
· Fraud Department Notification: Assist the Member in notifying the fraud department of the Member’s creditors.
· Three Credit Bureau Notification: IDBeMe will notify all three major credit-reporting agencies and place an alert on the Member’s records with the agencies, and obtain a list of additional creditors from them.
· Credit Freeze: Place a “security freeze” on the Member’s credit records in states where such laws apply, at the request of the Member. In some states the payment of a fee is required in order to place the “Credit Freeze”. The Member is responsible for such fee.
· Submit Forms to Creditors: Submit the Affidavit to the Member’s creditors requesting cancellation of card(s) and an issuance of a new one(s).
· Identity Tracking: To make sure all aspects of identity theft are discovered, EA-USA will provide the Member with reports and alerts on information linked with personal identity featuring: National Criminal Report & Alerts, Sex Offender Reports & Alerts, Postal Change of Address Report & Alerts, Address History Reports & Alerts, Names & Aliases (names attached to SSN)Report & Alerts, Pay-Day Loan/Non-Credit Loan Reports & Alerts, Internet Monitoring using CyberAgentTM technology Reports & Alerts.
· Medical Identity Theft Resolution: This assistance includes help with fraudulent medical claims placed in the Member’s name and medical care that was received fraudulently by another individual in the Member’s name.
· Replacement of Identification: Assist the Member in notifying the appropriate banks or agencies to replace stolen or missing items such as ATM cards, driver's license, Social Security Card or passport.
· ID Theft Protective Measures Assistance: Help with filing or submitting paperwork for special ID Theft Protective measures specific to the Member’s state of residence.
· Translation Services: Translate when necessary such as when the Member is overseas and needs help communicating with the local police in order to file a report of an Identity Theft incident.
· Emergency Cash Advance: Provide emergency cash advance (up to $1,000 USD) when theft occurs 100 miles or more away from the primary place of residence. Such cash advance shall be secured by the Member using a valid credit card. Any advance made to the Member, not otherwise secured by a valid credit card and paid to EA-USA by the credit card company within 30 days of such advance must be reimbursed by the Member to EA-USA within 30 days from the date such advance is made. Thereafter, any amount due to EA-USA will accrue interest at a rate of 1.5% per month. Notwithstanding anything to the contrary herein, EA-USA shall be under no obligation to advance funds not otherwise secured by a valid credit card.
· Emergency Travel Arrangements/Journey Continuation: In the event of an identity theft incident that occurs while a Covered Member is traveling, EA-USA shall help the Covered Member make emergency travel arrangements, including airline, hotel, and car rental reservations. The Subscriber or Covered Member is responsible for payment of all tickets, accommodations and rentals arranged. Before the provision of this service, EA-USA shall obtain a Satisfactory Guarantee of Reimbursement from the Covered Member. A “Satisfactory Guarantee of Reimbursement” means the ability to debit or credit a Covered Member’s valid credit card in the amount required.
· Creditor Follow-Up: When needed, follow up with creditors to ensure that the matter has been properly handled.
· Status Update: On a weekly basis, until the file is closed, contact the Member with an updated status report.

Optional Service

The Primary Member has the option to include Optional Service only at the time of IDBeMe purchase. If selected and purchased, the additional available service includes:

· Financial, Legal and Emotional Counseling: If required after an identity theft incident, EA-USA will contact a qualified EA-USA-approved service provider on the Member’s behalf or refer the Member to such a service provider who will: perform legal document review., determine legal action to take against creditors or how to work with credit bureaus if creditors are not cooperative in removing fraudulent entries from the Member’s credit report(s), offer unlimited telephone access 24/7 to Master level consultants to help the Member alleviate the stress and anxiety caused by Identity Theft, arrange access, when needed, to up to three in-person sessions with a professional in our national network of Behavioral Specialists to help the Member deal with the emotional trauma of Identity Theft.

Fee:
The annual fee is due in full at the time of purchase.

Cancellation Policy:
IDBeMe may be cancelled by the Primary Member within the first ten (10) days from the Purchase Date provided that the Primary Member or any Member (if enrolled in a Family Program) has not enrolled in 3-Bureau Credit Monitoring or Financial, Legal and Emotional Counseling and provided that the Member has not used any of the Services.
Refunds of any payments made, by the Primary Member to IDBeMe are subject to IDBeMe’s Refund Policy as outlined below. To cancel your IDBeMe Program, please contact EA-USA by phone, fax or email at the numbers provided in the IDBeMe website.

Refund Policy:
The annual fee may be refunded within the first ten (10) days from the Purchase Date provided that the Primary Member or any Member (If enrolled in a Family Program) has not enrolled in 3-Bureau Credit Monitoring, Financial, Legal and Emotional Counseling and provided that the Primary Member or any Member (If enrolled in a Family Program) has not used any of the Services.
Refunds will be made to the same credit card that was used by the Primary Member at the time of enrollment.
If you cancel your IDBeMe Program after ten (10) business days from the Purchase Date, you are not entitled to any refund of payments made to the IDBeMe Program.
If the Primary Member notifies EA-USA of its intention not to renew its membership 30 days prior to the Renewal Date, the program will not be renewed and no additional fee will be incurred.
If the Primary Member notifies of its intention not to renew its membership within the first 10 days following the Renewal Date, EA-USA will provide a refund to the Primary Member provided that the Primary Member or any Member (provided that the Primary Member or any Member (If enrolled in a Family Program) has not enrolled in 3-Bureau Credit Monitoring, Financial, Legal and Emotional Counseling during those ten (10) days and provided that the Primary Member or any Member (If enrolled in a Family Program) has not used any of the Services during those ten (10) days.

Term:
The program is effective on the date selected by the Primary Member and is active for one year provided that the Primary Member has paid the total amount of the applicable annual fee. (“Initial Term”)

Renewal Term:
EA-USA will contact the Primary Member by e-mail 30 days prior to the Renewal Date and if the Primary Member chooses to continue with the IDBeMe Program, EA-USA will provide renewing instructions to the Primary Member and its membership will be renewed for a period of twelve (12) months (“Renewal Term”). Please see Refund Policy above.

Limit of Liability:
By enrolling in the IDBeMe program to have access to the Services, the Member agrees that the total and exclusive liability of EA-USA and its employees, officers, directors, attorneys, agents, assigns and thirdparty contractors (the “EA-USA Parties”) to Member for any claims, demands or damages relating to or arising out of IDBeMe, the provision of Services or any failure to provide Services, shall be limited to the refund of the amount paid to EA-USA by the Member for the annual during the term of enrollment of the Member (“Limit of Damages”). Member agrees to indemnify and hold the EA-USA Parties harmless for all damages, costs and expenses, including reasonable attorneys’ fees and costs, incurred by EA-USA in or relating to any legal proceeding brought by or on behalf of Member for any claim demand or damages
in excess of the Limit of Damages. Notwithstanding any other provision of this Agreement, in no event shall EA-USA be liable to the 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 and not reasonably foreseeable by EA-USA at the time of the Member’s enrollment in the IDBeMe program.

Limitations:
· Member acknowledges and agrees that EA-USA is neither an insurer nor provider of insurance and that nothing in IDBeMe is intended to provide a policy of insurance to any Member.
· EA-USA does not guarantee that its intervention on behalf of the Member duly enrolled in
IDBeMe will result in a particular outcome or that its efforts on behalf of the Member will lead to a result satisfactory to the Member.
· EA-USA Services do not include, and EA-USA shall not assist the Member for, thefts involving
non-US bank accounts.
· EA-USA provides the Services in all countries of the World. However, EA-USA may determine
that Services cannot be provided in certain countries or locales because of situations such as war, natural disaster or political instability. EA-USA will attempt to assist a Member consistent with the limitations presented by the prevailing situation in the area.
· EA-USA shall not be held 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 or uprising, nuclear accidents, natural disasters, acts of God or where rendering Services is prohibited by local law or regulations.

Governing Law and Jurisdiction:
This Agreement 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 this Agreement, the parties irrevocably submit to the jurisdiction of the local and federal courts located in 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 EA-USA seeking injunctive relief, which EA-USA may pursue in any appropriate forum. and proximately from the provision of Services and not reasonably foreseeable by EA-USA at the time of the Member’s enrollment in the IDBeMe program.