Terms and Conditions

I understand and agree to the following: I can cancel my Protection at any time by contacting TrueSweep via email, phone or mail as indicated in the Contact Us page; my card will automatically be charged $84.95 today.

MILLION DOLLAR GUARANTEE

& SERVICE LIMITED WARRANTY PROVIDED THROUGH

LLOYD’S OF LONDON

Limited Warranty: We warrant to you, the registered customer ("You" or "Your"), that the service that you receive under your subscription ("Service") will perform substantially in

accordance with any written specifications provided to You

during the entire term of Your subscription ("Warranty").

Remedy: IF THE SERVICE FAILS TO COMPLY WITH THE WARRANTY, SHALL: (I) USE COMMERCIALLY REASONABLE EFFORTS TO CORRECT THE FAILURE; AND IF (AND ONLY IF) YOU SUFFER A STOLEN IDENTITY EVENT (AS DEFINED BELOW) AS A DIRECT RESULT OF SUCH FAILURE, (II) PROVIDE YOU WITH THE BENEFITS AND RESTORATION SERVICES (BOTH AS DEFINED BELOW).

STOLEN IDENTITY EVENT

 

A "Stolen Identity Event" means the theft or Your personal identification, 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. All loss resulting from Stolen Identity Event(s) and arising from the

same, continuous, related or repeated acts shall be treated as arising out of a

single stolen identity event occurring at the time of the first stolen identity event.

Stolen identity event shall not include the theft or unauthorized or wrongful use of

Your business name, d/b/a or any other method of identifying any business

activity.of yours.

YOUR SOLE REMEDY, AND THE EXCLUSIVE LIABILITY FOR ANY VIOLATION OF THE WARRANTY IS THE FOLLOWING:

BENEFITS

We reimburse You for only the following ("Benefits"):

Costs

Necessary costs incurred by You in the United States for re-filing applications for

loans, grants or other credit instruments that are rejected solely as a result of a

Stolen Identity Event.

Necessary costs incurred by You in the United States for notarizing affidavits (or

other similar documents), and long distance telephone calls and postage,

incurred solely as a result of Your efforts to report a Stolen Identity Event and/or

amend or rectify records as to Your true name or identity as a result of a Stolen

Identity Event.

Necessary costs incurred by You for up to six credit reports from established

credit bureaus dated within twelve (12) months after You become aware of a

Stolen Identity Event.

Lost Wages

Actual lost wages that would have been earned in the United States, whether

partial or whole days, for time reasonably and necessarily taken off from work

and away from your work premises solely as a result of Your efforts to amend or

rectify records as 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 and excludes business

interruption or future earning of a self-employed professional.

Computation of lost wages for self-employed professionals must be supported by and will be based on prior year tax returns. Self-employed individual means a person who owns or

operates his or her own business or trade and whose primary income is earned

from such business or trade. Coverage is limited to wages lost 12 months after

your discovery of a stolen identity event.

Legal Defense Fees and Expenses

Reasonable and necessary fees and expenses incurred in the United States by

You (after obtaining our express prior written consent) for an

attorney expressly approved by us in writing for (and only for):

Defending civil suits 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, directly resulting from a Stolen Identity Event; and

Removing any civil judgment wrongfully entered against You as a result of the

Stolen Identity Event.

Criminal defense for charges brought against you as a result of the stolen identity

event. However, we will only pay for this after it has been established by acquittal

or dropping of charges because you were not in fact the perpetrator.

RESTORATION SERVICES

We shall provide to You only the following restoration services

("Restoration Services"):

• Providing You with an information package including a description of the

resolution process, educational articles, and guidance for avoiding future

complications ("Claims Kit").

• Reviewing Your credit files with You to determine the accuracy of the file

and potential areas of fraud.

• Notifying (as needed) Your affected creditors, financial institutions, credit

card companies, utility providers, and merchants of the identity fraud.

• Providing information to the Federal Trade Commission (FTC), and to

other government agencies as appropriate.

• When appropriate, providing assistance with obtaining and reviewing Your

Social Security Personal Earnings and Benefits Statement.

• Creating and maintaining a case file to document the identity fraud.

Restoration Services will only be performed by Us after

our receipt from You of written authorization to undertake such

services. Restoration Services are subject to our standard practices

and procedures and may be modified by us at anytime time

(including, without limitation, as we deems reasonably necessary

given the nature of the applicable Stolen Identity Event).

WARRANTY LIMITS

NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE AMOUNTS

EXPENDED BY US (INCLUDING, WITHOUT LIMITATION,

AMOUNTS REIMBURSED TO YOU) UNDER THIS LIMITED WARRANTY

SHALL NOT EXCEED, IN THE AGGREGATE, US$ 1,000,000 FOR ALL

STOLEN IDENTITY EVENTS (REGARDLESS OF THE CIRCUMSTANCES,

INCLUDING, WITHOUT LIMITATION, YOUR OWNERSHIP OR USE OF

MULTIPLE SUBSCRIPTIONS TO THE SERVICE) ("WARRANTY LIMIT").

WARRANTY CONDITIONS AND EXCLUSIONS

This Limited Warranty provides benefits to You for a Stolen Identity Event only if:

(i) You report such Stolen Identity Event at 1-800-511-9165 as

soon as You become aware of such event, but no later than three (3) months

after the Stolen Identity Event occurs.

(ii) You strictly follow all instructions set forth in the Claims Kit, and

otherwise provided to You by Us for such Stolen Identity Event.

These instructions may require You to, among other things, notify major credit

bureaus, the Federal Trade Commission's Identity Theft Hotline and appropriate

law enforcement authorities of such Stolen Identity Event.

(iii) At the time of the Stolen Identity Event and Your discovery of such event,

You are a current, registered subscriber to the Service ("Subscriber"). For clarity,

You will not have the right to receive any Benefit with respect to Stolen Identity

Events that occur prior to the time You are a Subscriber, or that are discovered

by You after You are no longer a Subscriber.

(iv) You are otherwise in full compliance with all other terms and conditions for

use of the Service (including, without limitation, the term of use.

 

If We  find that You misrepresented any information required by

Us  to provide the Benefits, or misrepresented that You were

Subscriber when Your information was misused, or misrepresented any

information required for You to become Subscriber, You agree to promptly

reimburse Us for any amounts We have paid in connection

with Your Benefits claim, including, without limitation, any costs We

incur to collect such amounts from You. If You are found, or We

reasonably believes you are, (i) guilty of a crime related to any loss which You

attribute to identity theft, or (ii) otherwise responsible for the Stolen Identity

Event, We shall be entitled to recover all Benefit amounts paid on

Your behalf with respect thereto.

Disclaimer; Additional Terms:

EXCEPT AS EXPRESSLY SET FORTH IN THIS LIMITED WARRANTY, NEITHER WE NOR ANY OF OUR RESPECTIVE SUPPLIERS OR VENDORS MAKES ANY WARRANTY (EXPRESS OR IMPLIED) WITH RESPECT TO THE SERVICE, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR

FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM STATE TO STATE. IN THE EVENT THAT ANY OF THE PROVISIONS OF THIS LIMITED WARRANTY SHALL BE HELD BY A COURT OR OTHER TRIBUNAL OF COMPETENT JURISDICTION TO BE ILLEGAL, INVALID OR UNENFORCEABLE, SUCH PROVISIONS SHALL BE LIMITED OR ELIMINATED TO THE MINIMUM EXTENT NECESSARY SO THAT THIS LIMITED WARRANTY SHALL OTHERWISE REMAIN IN FULL FORCE AND EFFECT.