Please read the terms and conditions carefully. Please call "defend-id" Customer Service at the telephone number listed at the end of these Terms and Conditions if you have any questions.
These Terms and Conditions ("Terms and Conditions") apply to all transactions between you and defend-id, including, without limitation, your access to and use of the defend-id.com website and any information and resources available therein ("Website"), all transactions conducted through the Website, and your purchase of identity theft services and products offered by defend-id . These Terms and Conditions also apply to your purchase of credit reports and related services offered by TransUnion Interactive Inc. ("TUI") as set forth in Section 2 below.
The Website is intended for users who are eighteen (18) years of age or older. defend-id will only provide defend-id Products and Services in conjunction with agencies and institutions in the United States, or territories where U.S. law applies ("Territory"). U.S. military and support personnel stationed in foreign countries are eligible for these services.
By using the Website, you represent and warrant that you are eighteen (18) years of age or older and that you agree to abide by these Terms and Conditions.
defend-id Credit Products and Services, as defined in Section 2 below, are only available to residents of the United States and its territories.
These Terms and Conditions are made between you and TransUnion Interactive Inc. ("TUI"), the providers of the credit reports and related services (as defined in this Section 2 below) and apply to all transactions involving the credit reports and related services through the Website. By submitting your order, you acknowledge receipt of TransUnion Interactive Inc. ("TUI") Privacy Notice, confirm your authorization for TransUnion Interactive Inc. ("TUI") to obtain your consumer report ("Basic Report"), scores ("Scores") and other enhancements to the Basic Report, and agree to these Terms and Conditions. For purposes of these Terms and Conditions, the term "Credit Reports and Services" includes the Basic Report, Scores and other enhancements to the Basic Report and related services, individually or collectively, as the context requires and as described in more detail in Section 2(b).
The Website is intended for users who are eighteen (18) years of age or older. Credit Reports and Services are only available to residents of the United States and its territories. TransUnion Interactive Inc. ("TUI") will only provide Credit Reports and Services in conjunction with agencies and institutions in the United States, or territories where U.S. law applies ("Territory"). By using the Website, you represent and warrant that you are eighteen (18) years of age or older, that you agree to abide by these Terms and Conditions and that you are a resident of the United States.
All Credit Reports and Services offered on this Website by TransUnion Interactive Inc. ("TUI") are subject to these Terms and Conditions, which may be updated from time to time. Please check this Website regularly for updates to these Terms and Conditions.
In consideration of your use of the Credit Products and Services, you agree to provide true, accurate and current information about yourself as prompted by the application form. You certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if TransUnion Interactive Inc. ("TUI") has reasonable grounds to suspect that such information is untrue, inaccurate or not current, TransUnion Interactive Inc. ("TUI"), at their sole discretion, has the right to suspend or terminate your use of any Credit Products and Services and refuse all current or future access to use of the Credit Products and Services or suspend or terminate any portion thereof. Further, you agree that TransUnion Interactive Inc. ("TUI") will not be liable to you or any third party if TransUnion Interactive Inc. ("TUI") suspends or terminates your access to the Credit Products and Services for any reason.
TransUnion Interactive Inc. ("TUI")obtains credit information used to prepare Credit Reports from the three national credit repositories (Equifax, Experian, TransUnion, collectively, the "CRA Repositories"). The Credit Reports TransUnion Interactive Inc. ("TUI") provides are intended to furnish you with information that you may not otherwise have readily available to you, but should not be relied upon for important personal and financial decisions. You should consult your own professional adviser for specific advice tailored to your personal situation.
If you order Credit Reports and Services from TransUnion Interactive Inc. ("TUI"), you will be required to authenticate your identity prior to accessing those Credit Reports and Services by correctly answering questions about your credit history and other information unique to you.
Your benefits begin on the effective date stated in a written confirmation of your order delivered to you by TransUnion Interactive Inc. ("TUI"). The term or duration of Your benefit period, including, without limitation, any renewal terms, if applicable, will be stated in a written confirmation of your order delivered to you by TransUnion Interactive Inc. ("TUI").
As an online customer, you are agreeing to receive all notifications via email at the email address you provided to defend-id upon enrollment or purchase of the defend-id Products and Services and/or to TransUnion Interactive Inc. ("TUI") upon enrollment or purchase of the Credit Products and Services. To ensure receipt of all notifications, you must timely update any change to your email address on file with defend-id.
This Website was designed specifically to be compatible with the Chrome®, Safari®, Firefox® and Internet Explorer® 8.0 (and later version) browsers. Use of this Website using other browsers such as Internet Explorer® 7.0 or lower, Mozilla, etc., may produce irregularities that may result in a less than optimal user experience. defend-id strongly suggests that you upgrade your browsers to Internet Explorer® 7.0 or 8.0 for maximum performance and user experience. In addition to the above-recommended browsers, defend-id may utilize other browser plug-ins to maximize your user experience. These plug-ins are Microsoft® Silverlight™, and Adobe® Flash™. During your visit to our Website, you may be asked to download one or both of these plug-ins. If you decline to install the suggested plug-ins, your user experience may not be optimal, or as designed.
Neither defend-id, TransUnion Interactive Inc. ("TUI") shall be obligated or responsible for providing defend-id Products and Services or Credit Reports and Services for any request based on: (i) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you; (ii) authorized charges that you have disputed based on the quality of goods or services; (iii) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions; (iv) losses, damages or expenses arising out of any business pursuits; (v) losses, damages or expenses that were incurred or commenced prior to the effective date of your defend-id Products and Services order confirmation or TransUnion Interactive Inc. ("TUI") Credit Reports and Services; or (vi) theft, loss or damage related to, without limitation, traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, passports, documents or real property.
A stolen identity event is the theft of your personal identification, social security number, or other method of identifying you, including any personal information not generally available to the public, which has resulted or could reasonably be said to result, in the wrongful use of such information, including, without limitation, stolen identity events occurring on or arising out of your use of the Internet.
If your benefits include Credit Reports and Services ordered from TransUnion Interactive Inc. ("TUI") or certain defend-id Products and Services, you will be required to authenticate your identity prior to accessing those Credit Reports and Services and certain defend-id Products and Services by correctly answering questions about your credit history and other information unique to you.
All Products, Features and Services referenced below may not be included in your membership options. Please refer to the solution(s) offered by your sponsoring organization and to the specific Summary of Benefits. You will receive a copy upon successful activation of your membership that references the products, features and services included in your membership.
Your benefits begin on the effective date stated in a written confirmation of your order delivered to you by defend-id.
Your benefit period, including, without limitation, any renewal terms, if applicable, will be stated in a written confirmation of your order delivered to you by defend-id.
The 3G Recovery component refers to the recovery services only. Your membership may not include the 3G service. Please refer to the membership options offered by your sponsoring organization and the specific Summary of Benefits included with your membership for details. If your plan includes 3G Recovery, the following definition applies: a qualifying family member shall mean your spouse or domestic partner, your dependents under the age of twenty-five (25) who have the same permanent address as you, any handicapped adult living in your household and requires assistance from your family to manage their affairs, and parents of your or your spouse or domestic partner with the same permanent address, or who are registered in a senior assisted living facility, skilled nursing home, hospice. All 3G Family members are eligible for services up to twelve (12) months after death. If you request enrollment of a child, you will be required to verify your status as the child's parent or guardian by providing documents reasonably requested by defend-id, including, without limitation, the child's Social Security card and birth certificate, valid proof of your identification and proof of your residence.
In the event that you incur covered expenses as part of an identity theft event, your Recovery Advocates will provide initial contact information to the insurance carriers that provide the reimbursement plan, if applicable. You will be mailed an insurance company claim package. For a detailed description of expenses eligible for reimbursement, see the description of the reimbursement plan delivered to you by defend-id upon successful activation of your membership. (Your membership may not include the expense reimbursement component so please refer to the membership options offered by your sponsoring organization and the specific description of benefits included with your membership for details).
If you are paying for these benefits directly to defend-id, then the following terms will apply:
You understand and agree that your access to and use of the Website and defend-id Products and Services is subject to the following terms:
defend-id may at any time, in its sole discretion, with or without notice to you, modify or discontinue providing the Website or any of the defend-id Products and Services or any portion thereof. You agree that defend-id will not be liable to you, any minors enrolled in the Website or defend-id Products and Services or any other person for any modification or discontinuance of the Website or defend-id Products and Services.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR ACCESS TO AND USE OF THE WEBSITE AND defend-id PRODUCTS AND SERVICES IS AT YOUR SOLE RISK. THE WEBSITE AND defend-id PRODUCTS AND SERVICES ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. defend-id AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES AND GUARANTEES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT, THAT THE WEBSITE AND defend-id PRODUCTS AND SERVICES ARE FREE FROM BUGS, VIRUSES, HACKERS, UNINTERRUPTED OR ERROR-FREE, OR THAT ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE OR defend-id PRODUCTS AND SERVICES WILL BE RELIABLE. THE INFORMATION CONTAINED IN THE WEBSITE, THE defend-id PRODUCTS AND SERVICES OR OTHER MATERIALS YOU MAY RECEIVE FROM defend-id DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. IN CONNECTION WITH YOUR PURCHASE AND USE OF THE defend-id PRODUCTS AND SERVICES, YOU ARE EXPECTED TO TAKE REASONABLE PRECAUTIONS, INCLUDING, WITHOUT LIMITATION, PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. defend-id PRODUCTS AND SERVICES DO NOT CONSTITUTE A CONTRACT OF INSURANCE. defend-id DOES NOT GUARANTEE THE ACCURACY OF LIEN, JUDGMENT, INVESTMENT, OR CRIMINAL SEARCHES IT MAY PERFORM ON YOUR BEHALF. defend-id ASSUMES NO LIABILITY OR RESPONSIBILITY TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, LOSS OF BUSINESS, OR CONSEQUENTIAL DAMAGES WHATSOEVER ARISING FROM OR IN CONNECTION WITH ANY (I) ERRORS, defend-id TAKES, OR INACCURACIES IN THE WEBSITE OR defend-id PRODUCTS AND SERVICES, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, ARISING FROM OR IN CONNECTION WITH YOUR ACCESS TO AND USE OF THE WEBSITE OR defend-id PRODUCTS AND SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSISION TO OR FROM THE WEBSITE, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE BY ANY PERSON OR ENTITY, AND/OR (VI) ANY ERRORS OR OSIONS IN THE WEBSITE OR defend-id PRODUCTS AND SERVICES OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE WEBSITE, PRODUCTS OR SERVICES OR ANY INFORMATION POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE WEBSITE OR THE defend-id PRODUCTS AND SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT defend-id IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. defend-id DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCTS OR SERVICES ADVERTISED OR OFFERED BY ANY OTHER PERSON OR ENTITY, WHETHER OR NOT A SUPPLIER, THROUGH THE WEBSITE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND SUPPLIERS OR THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution.
The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:
The FCRA allows consumers to get one (1) free comprehensive disclosure of all of the information in their credit file from each of the three (3) national credit reporting companies (Experian, Equifax, and TransUnion) once every twelve (1) mo2nths through a central source. Georgia residents can receive two (2) disclosures per year. Although comprehensive, the credit reports from each of the three (3) national credit reporting companies that are available from defend-id may not have the same information as a credit report obtained directly from the three (3) national credit reporting companies or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com, or call 877-322-8228. defend-id Products are not related to the free FCRA disclosure that you are or may be entitled to.
The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information from defend-id to dispute inaccurate or incomplete information in your credit file or to receive a copy of your consumer disclosure.
The credit reports you are requesting from defend-id, TransUnion Interactive Inc. ("TUI") are not intended to constitute the disclosure of the credit reporting company's information required by the FCRA or similar state laws. The credit reporting company's disclosure report must be obtained directly from the credit reporting company by contacting the credit reporting company as show below:
You acknowledge and agree that the Website and defend-id Products and Services, including, without limitation, formulae, specifications, pricing, content, applications, trademarks, graphics, photographs, information, software, including, without limitation, source and object code, scripts, promotions, events, programs and interactive features provided by or for defend-id, whether in whole or in part, (individually and collectively, "defend-id Intellectual Property" is owned by and the exclusive property of defend-id or its licensors, subject to trademark, copyright patent, trade secret and other intellectual property rights and laws. You further agree that you have no right, title or interest in defend-id Intellectual Property and that you shall not use any defend-id Intellectual Property without defend-id's prior written consent. You hereby grant to defend-id a non-exclusive, perpetual, irrevocable, transferable, worldwide, royalty-free, fully paid-up, right and license to use, copy, modify, transfer and distribute your personal information to provide the defend-id Products and Services and in connection with defend-id business operations.
You agree to defend, indemnify and hold harmless defend-id, its officers, directors, members, managers, employees, agents, predecessors, successors, insurers, and assigns for, from and against any and all claims, damages, obligations, losses, liabilities, judgments, costs, penalties, fees, fines, interest, debt and expenses (including, without limitation, attorneys' fees and expert witness fees) arising from: (i) your use of and access to the Website and defend-id Products and Services; (ii) your violation of any provision of these Terms and Conditions; and (iii) your violation of any law or other regulation or any third-party right, including, without limitation, any trade secret, patent, copyright, trademark, property, publicity or privacy right. This indemnification obligation shall survive the termination of these Terms and Conditions and the termination of your use of the Website and defend-id Products and Services.
defend-id acknowledges to its customers that defend-id is responsible for the security of data (cardholder and credit bureau provided) which defend-id possesses, stores, transmits, or the extent that defend-id could impact the security of the customer’s data environment with respect to cardholder or credit bureau provided data.
If you have any questions about the Products you may call or email:
defend-id Customer Service
Phone - 800-487-0160
Email - email@example.com