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	Standard Price	Preferred Price
Individual Plan
Couple Plan
Family Plan
Payment Option	Monthly Annual

How It Works

Protect

Defend your personal information and secure your digital privacy.
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Monitor

Detect

Track your identity risk level and detect potential fraud early.
Learn More
Alert

See suspicious activity and take action immediately.
Learn More
Resolve

Repair problems quickly with help from our experts.
Learn More

Protect

Defend your personal information and secure your digital privacy.

24/7 Expertise

Stay informed as Generali Global Assistance’s 24/7 certified identity theft resolution specialists and online resources educate you on how identity theft occurs and provide tips to help you keep your identity safe.

Opt-Out Services

Our opt-out services help protect your privacy by reducing pre-approved credit card offers, direct mail campaigns and marketing phone calls that can be used by thieves to steal personal information.

Strengthen Your Digital Security

The Online Data Protection software helps protect your personal data from key-logging and phishing attacks so you can use the internet without worry.

PhishBlock^® - Avoid phishing websites and have peace of mind when surfing the Internet. Receive alerts before navigating to fake or malicious websites that are designed to steal your personal data.
DataScrambler^® - Helps keep your sensitive information private by protecting you from Trojans and Spyware that attempt to steal confidential information, log your keystrokes and access your computer’s built-in webcam.

Monitor

Detect

Track your identity risk level and detect potential fraud early.

Online Identity Monitoring Dashboard

Monitor your identity risk level, track your credit profile, access identity theft protection tips and respond to alerts from our easy-to-use online platform.

Identity Monitoring

Detect potential identity fraud early. We scour the deepest corners of the Internet, searching for compromised credentials and potentially damaging use of your personal information, detecting fraud at its inception and alerting you so you can take immediate action.

Credit Monitoring

Easily access your credit report and credit score to ensure that your credit profile is accurate.

Previous Next

Alert

See suspicious activity and take action immediately.

Credit & Identity Monitoring Alerts - Secure your profile. Receive an alert if suspicious activity related to your credit or identity is found so that you can take immediate action to minimize damage. You will receive an alert if we detect:

Changes To Your Credit Profile

Certain changes such as new credit inquiries, an address change or a new credit account opened in your name.

High Risk Transactions

Suspicious activity related to bank password resets, peer-to-peer fund transfers and online health insurance site access.

Compromised Credentials

If your username, email address or passwords are found within a corporate data breach, malicious third party botnets or criminal forums.

Black Market Activity

Suspicious activity related to your personal information such as your name, address, social security number and date of birth or numbers listed on your debit/credit card, medical insurance, auto insurance, driver’s license, frequent flyer cards, rewards/loyalty cards and passport.

New Payday Loans or Telecom Accounts Opened in your Name

Includes wireless accounts, VOIP, landline or prepaid mobile accounts.

Previous Next

Resolve

Repair problems quickly with help from our experts.

24/7 Expertise - Minimize stress with our 24/7 comprehensive resolution care. Our certified identity theft resolution specialists help restore your identity and prevent further damage in the event of an incident. We’ll assign a personal case manager who will take care of everything for you, including:

Identity Theft Affidavit Assistance and Submission

We'll provide you with an identity theft affidavit, used 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.

Creditor Notification, Dispute and Follow-Up

We’ll contact your creditors’ fraud departments to dispute each fraudulent occurrence for you and we’ll continue to follow up until each matter has been properly handled, keeping you notified throughout the process with a personalized weekly status report.

Credit Freeze

Should you need to block any suspicious activity occurring on your account, we’ll work with the credit bureaus to place a credit freeze on your credit records.

Lost Wallet Assistance

We’ll notify the appropriate bank or agency to cancel or replace stolen or missing items such as a credit/debit card, driver's license, Social Security card or passport.

Inform Police/Legal Authorities

We’ll assist you in reporting the fraudulent activity to the local authorities and will forward the report to creditors.

3-Bureau Fraud Alert

Alerte à la fraude à deux agences

We’ll enhance your fraud protection by placing a fraud alert on your records at all three credit bureaus.

We’ll enhance your fraud protection by placing a fraud alert on your records at both credit bureaus.

Medical Identity Theft Assistance

Our in-house medical staff and team of experts will ensure that your healthcare, insurance claims and medical records are corrected.

Translation Services

If you’re abroad, we’ll help you communicate with the local authorities to file an identity theft report.

Emergency Cash Advance and Travel Arrangements

We’ll provide an emergency cash advance — up to $500 — when theft occurs 100 or more miles away from your primary place of residence. Cash advances will be secured by a valid credit card.

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.

Reimbursement Settlements

In case of fraud we carry you through the claims process

Financial Counseling

You are entitled to consultation with a Financial Advisor at no cost. An Advisor can assist you with restoring and rehabilitating your credit reputation and financial status, which have been damaged as a result of an identity theft crisis or fraud.

IRS Identity Theft Services

If you are a victim of tax fraud, we’ll provide a licensed tax professional to prepare the necessary documents and affidavits required by the IRS. The tax professionals will work as your advocate with the IRS to resolve the identity theft matter.

Stress Management

Help you alleviate the stress caused by identity theft with 24/7 telephone access to counselors and up to three in-person sessions.

$1 Million Identity Theft Insurance^*

We’ll reimburse you for covered out-of-pocket expenses related to the recovery process.

Identity Theft Insurance underwritten by Generali U.S. Branch. 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. Please refer to the actual policy for terms, conditions, and exclusions of coverage. Click here for summary description of benefits. Generali US Branch (New York, NY; NAIC # 11231) operates under the following names: Generali Assicurazioni Generali (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.*

Service Feature	Identity Theft Protection	Typical Insurance Program
24/7 Identity Theft Resolution Service^*
Online Identity Monitoring Dashboard
Identity Monitoring
Credit Monitoring, Report and Scorei	Credit Monitoring and Report	3-Bureau Credit Monitoring, Report and Score3-Bureau Credit Monitoring, 1-Bureau Report and Scorei
Suspicious Activity Alerts
Online Data Protection® Anti-phishing and Anti-keylogging software
Lost Wallet Assistance
Medical Identity Theft Assistance
Emergency Travel Arrangements, Translation Services and Cash Advance
Legal, Financial, Tax and Stress Management
$1 Million Identity Theft Insurance^**
^Includes identity theft affidavit assistance and submission, creditor notification, dispute and follow-up, 3-bureau fraud alert placement, inform police/legal authorities, placement of credit freeze and opt-out services provided by certified identity theft resolution specialists. ^*Identity Theft Insurance underwritten by Generali U.S. Branch. 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. Please refer to the actual policy for terms, conditions, and exclusions of coverage. Click here for summary description of benefits. Generali US Branch (New York, NY; NAIC # 11231) operates under the following names: Generali Assicurazioni Generali (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.

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Our Plans

ALL PLANS INCLUDE:

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ALL PLANS INCLUDE:
24/7 Certified Identity Theft Resolution Specialists
Easy-to-Use, Online Identity Monitoring Platform
Comprehensive Identity Monitoring
Suspicious Activity Alerts
Real-Time Credit Monitoring
Real-Time 3-Bureau Credit Monitoring
TransUnion^® Credit Report and VantageScore^® 3.0
1-Bureau Credit Report and VantageScore^® 3.0
PhishBlock^® Anti-phishing software
DataScrambler^® Anti-keylogging software
Up to $1 Million Identity Theft Insurance

Individual

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Full prevention, detection and resolution services for you.

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Full prevention, detection and resolution services for you.
Family

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Full prevention, detection and resolution services for you and your spouse/partner, plus identity monitoring and resolution services for up to six children or other dependents.

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Full prevention, detection and resolution services for you and your spouse/partner, plus identity monitoring and resolution services for up to six children or other dependents.
Couple

$ month

$ Year

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Full prevention, detection and resolution services for you and your spouse/partner.

Buy Now
Full prevention, detection and resolution services for you and your spouse/partner.

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Compare Our Plans

SERVICES	Individual	Couple	Family
	/month /Year (Save )	/month /Year (Save )	/month /Year (Save )
Protect
24/7 Customer Service
Online Data Protection Suite* • Anti-Key Logging Protection • Anti-Phishing Protection	1 license / 3 installs	1 license / 3 installs	1 license / 3 installs
Opt-Out Services
Identity Theft Education and Resources
MONITOR
Online Identity Monitoring Dashboard	1 adult	2 adults	2 adults
1-Bureau Credit Monitoring, Report and Score**	1-Bureau Credit Monitoring, Report and Score**	Surveillance du crédit et rapport et cote de crédit d'une agence**	1 adult	2 adults	2 adults
3-Bureau Credit Monitoring, Report and Score3-Bureau Credit Monitoring, 1-Bureau Report and Score**	1 adult	2 adults	2 adults
Identity Monitoring	1 adult	2 adults	2 adults + dependents
ALERT
Credit Monitoring with Alerts	1 adult	2 adults	2 adults
Identity Monitoring with Actionable Alerts	1 adult	2 adults	2 adults + dependents
RESOLVE
24/7 Certified Identity Theft Resolution Specialists	1 adult	2 adults	2 adults + dependents
Identity Theft Affidavit Assistance and Submission	1 adult	2 adults	2 adults + dependents
Creditor Notification, Dispute and Follow-Up	1 adult	2 adults	2 adults + dependents
3-Bureau Fraud Alert	1 adult	2 adults	2 adults + dependents
Credit Freeze	1 adult	2 adults	2 adults + dependents
Inform Police/Legal Authorities	1 adult	2 adults	2 adults + dependents
Lost Wallet Assistance	1 adult	2 adults	2 adults + dependents
Medical Identity Theft Assistance	1 adult	2 adults	2 adults + dependents
Translation Services	1 adult	2 adults	2 adults + dependents
Emergency Cash Advance and Travel Arrangements	1 adult	2 adults	2 adults + dependents
Professional Resolution Counseling Service - Legal, Financial, Tax and Stress Management	1 adult	2 adults	2 adults + dependents
$1 Million Identity Theft Insurance***	1 adult	2 adults	2 adults + dependents

* The Online Data Protection Suite runs on the Windows operating system and is not supported under OS X operating systems. If you have a Windows partition on your Mac, you can use the software.

Adults in the couple plan include the primary member and spouse/domestic partner.

The Family plan can include up to 6 children or dependents.

** 1-Bureau Credit Report and Score is only available to Primary member and Spouse/Domestic partner

** 3-Bureau Credit Report and Score is only available to Primary member and Spouse/Domestic partner

*** Identity Theft Insurance underwritten by Generali U.S. Branch. 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. Please refer to the actual policy for terms, conditions, and exclusions of coverage. Click here for summary description of benefits. Generali US Branch (New York, NY; NAIC # 11231) operates under the following names: Generali Assicurazioni Generali (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.

(X) CLOSE WINDOW

TERMS OF SERVICE

Welcome to the Generali Global Assistance, Inc. website (the "Site"). The Site refers to our Identity Theft Protection Services ("IDP") site, including the Identity Protection Portal ("IPP") and related products, and is provided only to assist customers in purchasing identity protection services, viewing their identity and credit information and related resources, and managing their account. The terms "we," "us," "our" and "GGA" refer to Generali Global Assistance, Inc., a New York corporation, and our affiliates. The terms "you" "your" and "Member" refer to the Primary Member and any family plan member visiting the Site. A "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.

The terms, conditions and guidelines associated with use of Identity Theft Protection Services, including related products (collectively, the "Products") are provided by GGA to you through a website operated by us or through any other site or platform through which the Products are provided. Use of any content (collectively "Content") available on the Site are set forth in this Terms of Service Agreement ("TOS") and the Terms and Conditions of GGA Identity Protection Products ("Terms and Conditions"). Please read this TOS and the Terms and Conditions carefully before you use the Products or the Site. By using the Products or accessing the Site you agree to abide by the terms of this TOS and by the Terms and Conditions.

Use of the Products

By registering for a Product, you agree that the information you provide during the registration process, and the information you provide from time to time while using the Products, will be true, accurate and current. It is a violation of federal criminal laws to knowingly or willfully obtain information from a consumer reporting agency under false pretenses. If GGA has any reason to suspect you have provided untrue, inaccurate or non-current information it may, in its sole discretion, terminate this Agreement (or suspend, terminate, or otherwise restrict your use of and access to the Site or any part(s) of the Products) at any time, without notice.

You agree not to: use the Products in any unlawful manner or in any manner that could damage, disable, overburden, or impair the Product or interfere with any other party's use and enjoyment of the Products; harvest or collect email addresses or other contact information of other users from the Products by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications; interfere with or disrupt the Products or servers or networks connected to the Products; violate any terms which may be applicable for any particular area of the Products; violate any applicable local, state, national or international law, or any regulations having the force of law; further or promote any criminal activity or enterprise or provide instructional information about illegal activities; or obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Products. Please also note that if GGA determines at any time that you have abused or violated any of these terms, conditions and guidelines, GGA reserves the right to terminate your access to the Site and Products immediately without notice.

Personal Information Privacy.

Although no electronic security system is foolproof, we will endeavor to protect your personal information, including, but not limited to your First Name, Last Name, Address, Social Security number, Date of Birth, and other personally identifying information about you and other Members provided to GGA using methods that are consistent with industry best practices.

You authorize GGA to provide your personal information to its third party service providers and its partners (employers, affinity organizations, wholesalers, resellers and service organizations offering Products), to receive and use this information as GGA deems reasonably necessary in the course of performing Product enrollment, delivery, service and billing.

Warranty Disclaimer.

Our Products are provided as tools for protecting your personal information and identity; however, the Products do not offer a guarantee of information and identity protection. Neither you nor your family should rely on the Products as the only tool or means of protecting your personal information and identity.

Credit Services Products.

Certain Products may be contingent upon the receipt and use of your credit report. If your plan includes credit information, you will be advised of this requirement prior to enrollment for such Products. You acknowledge that by continuing to enroll in and order such Products, you are providing "written instructions" to obtain your credit report pursuant to the Fair Credit Reporting Act. Any person who knowingly and willfully obtains a consumer credit report or score/disclosure under false pretenses may face criminal prosecution. We do not directly report or provide your credit score to any third party; however, it may be used in accordance with our Privacy Policy and the terms, conditions, and policies of the credit reporting agencies involved.

Not a Credit Repair Organization or Contract.

GGA is not a credit repair organization, or similarly regulated organization under other applicable law and does not provide any form of credit repair advice or counseling. GGA offers you access to your credit report and other credit-related information Products, but we do not offer, provide, or furnish any products, or any advice, counseling, or assistance, for the express or implied purpose of improving your credit record, credit history, or credit rating. By this we mean that we do not claim we can "clean up" or "improve" your credit record, credit history, or credit rating and you acknowledge and agree that you will not purchase, use, or access any of our Products or websites for such purposes. These items (credit record, history, and rating) are based on your past or historical credit behavior, and accurate and timely adverse credit information cannot be changed.

Transaction Monitoring Limitations.

We cannot guarantee that the transaction monitoring features of our Products will identify all suspicious activity, or that suspicious activity will be timely identified or reported through the Products. You understand and agree that our monitoring of your personal information within our network and our use of certain proprietary technologies and database information are subject to certain inherent limitations, and not all potentially fraudulent transactions and/or uses of your personal information may be monitored or identified by us within the scope of our network.

Third Party Software.

In the event that the Product you are procuring includes third party software, your use of third party software may be subject to the license terms associated with such third party software. GGA expressly disclaims any liability or responsibility with respect to any third party software.

Personal Information; Authorization

By using our Products you authorize us, as needed to provide Products to you, to obtain, monitor, and compile your: (i) credit information from one or more credit reporting agencies; (ii) "non-public personal information", "personal information", and/or "highly restricted personal information" about or concerning you as defined by the Gramm-Leach-Bliley Act (15 U.S.C. sec 6801 et seq); and (iii) other personal information. By placing your order you acknowledge and agree that your access to the Products and any consumer credit information contained therein is subject to your prior written authorization and reasonable efforts on our part to verify your identity. As such, you understand and agree that by submitting your order, you are providing "written instructions" in accordance with the Fair Credit Reporting Act ("FCRA") authorizing us to obtain credit information from the personal credit report maintained by one or more of the three nationwide credit reporting agencies and you authorize us to access your personal credit information in order to provide the Products.

Authentication.

If we are unable to obtain the required Personal Information or you fail to authenticate your identity as may be required, the Products for which you have enrolled or registered from us may be limited.

Some Products allow an adult family Member to receive identity alert information about their minor children. See the Terms and Conditions for detailed information.

Product Purchase and Activation.

To activate the Products you have purchased requires that you complete the enrollment process and use the Product.

Payment.

The Products are subject to fees as designated by GGA. In such event, you must pay all applicable fees, as described on the Site in order to use the Product. All fees are in U.S. dollars unless stated otherwise on the Site. All fees are payable upon demand on a Visa, MasterCard, American Express, Discover, Diners Club credit card, by Electronic Fund Transfer (EFT) through your bank account, or by such other method as authorized by GGA in writing. GGA reserves the right to change its fees (and to institute new charges) for the Product at any time.

By providing such payment information to us or permitting such to be provided on your behalf, you represent that you are authorized to request transactions using the payment method presented. You authorize and agree to make any required payments for the Product on a timely basis. In the case of any credit or debit card payment made by you, you authorize us to: (a) submit a transaction using the information provided to us; and (b) submit automatic recurring transactions, including those on a monthly or annual basis for membership renewals, which transactions may be based on automatic updates of credit card expiration dates and replacement credit cards.

You further acknowledge and agree that, subject to our then current Member authentication procedures, only the Primary Member may authorize changes to the account, including without limitation changes to the form of payment, or to the Product including termination of membership or changes that may result in additional charges. In all cases, the Primary Member is personally responsible for any applicable state, federal, or other taxes that may be associated with the purchase of the Product unless noted otherwise and we may collect all applicable sales taxes.

All Products Require Electronic Communication.

Unless otherwise noted, our Products are internet-based and in order to access our Products you must have: an internet browser that supports 128-bit encryption; an email account and appropriate email software; a personal computer or a mobile device, operating system and connection to the internet capable of supporting the foregoing; and sufficient electronic storage capacity on your computer's hard drive or other data storage unit or a printer that is capable of printing from your browser and email software. You understand and agree that this Agreement will be entered into electronically, and that the following information ("Communications") will be provided by us to you by electronic means: this Agreement and any amendments, modifications or supplements to it; any initial, periodic or other disclosures or notices provided in connection with the Products, including without limitation our privacy policy, all regulatory disclosures, and all communications related to the Products. In furtherance of the foregoing, you expressly consent to receive all Communications regarding your membership electronically, either by e-mail or by notices posted on the Site and you agree that any requirement that a notice, disclosure, agreement, or other Communication be sent to you by us in writing is satisfied by such electronic Communication. In order to ensure your continuing access to your Product, you agree to update your email address on file whenever your email address changes. You further agree that we may send you product-related announcements periodically. For instance, if our website is temporarily suspended for maintenance, we may send you an email. Generally, you may not opt-out of these Communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

Member Renewal and Cancellation.

YOUR MEMBERSHIP WILL RENEW AUTOMATICALLY UNTIL CANCELLED BY YOU OR US. THE RENEWAL FEE, MANNER OF RENEWAL PAYMENT AND MANNER OF TERMINATION MEMBERSHIP IS SET FORTH IN THE PRODUCT TERMS AND CONDITIONS AND IS SUBJECT TO CHANGE.

Use of the Site.

All content found on this Site including graphics, logos, button icons, images, audio or video clips, applets, activities and programs, as well as the collection, arrangement, and assembly of all content on the Site - is the exclusive property of GGA and is protected by U.S. and international copyright laws. All copyright and other intellectual property rights in any material contained in the Site are either owned by GGA or has been licensed to GGA by the rights owners so that GGA can use this material as part of the Site. The Site contains trademarks, including the GGA name and logo, which belong to GGA or have been licensed to GGA by the trademark owner for use on the Site. You are only allowed to use this Site and the material contained in this Site (including any trademarks) as set out below. No right, title or interest in any permissible downloaded materials is transferred to you as a result of any such downloading. GGA reserves complete title and full intellectual property rights in any content downloaded from this Site.

You May:

Access any part of the Site that is non-password protected.

Access any part of the Site that is password protected if you have a login and password.

Print off pages for your own personal use only.

Client groups and Members who have purchased Identity Protection Services may enter the password protected portion of the site by using their particular username and password.

You May Not:

Copy (by printing off onto paper, storing on disk or in any other way), distribute (including distributing copies), alter or tamper with in any way or otherwise use any material contained in the Site except as specifically permitted above.

Copy, distribute, sell, modify or otherwise use any material from the Site for any commercial purpose.

Remove or alter any copyright, trademark or other intellectual property notices contained in the original material from any material copied or printed off from the Site.

Alter or attempt to alter any content contained on the Site. Except as set forth above, no part of the GGA content or materials may be downloaded, reproduced, modified, distributed, transmitted, replicated or displayed in any form or by any means.

User Name, Password, and Security.

You are responsible for maintaining the confidentiality of your user name and password, and you are solely responsible for all activities that occur under your user name and password. You agree to immediately notify GGA of any unauthorized use of your user name and password or any other breach of security related to the Site. You agree that GGA will not be liable for any loss or damage arising from the misuse of your user name or password by others or your failure to adequately safeguard your user name and password, or to otherwise comply with this section.

Eligibility.

The Products and the Site are available only to individuals or entities who can form legally binding contracts under applicable law and who are employees and affiliates of entities that have entered into a subscription or service agreement with GGA. Without limiting the foregoing, use of the Products and the Site are not available to minors under the age of 13, except through family plan accounts maintained and used by a parent or legal guardian on behalf of such minors. If you do not qualify as an authorized user for any reason, you may not use the Products or the Site.

Changes to Site and Products.

GGA reserves the right to change, suspend or discontinue any aspect of the Products or the Site at any time, including the TOS, Terms and Conditions, availability of any of the Site features, delivery services, databases or Content. Such changes will be effective on the date that such changes are posted on this Site. Your use of the GGA Site following any such change constitutes your agreement to follow and be bound by the Terms of Service and the Terms and Conditions of the Site as changed. GGA may also impose limits on features or restrict access to parts of the Site.

Privacy.

GGA strives to protect the privacy of its Site users. You may review our privacy policy, which is incorporated by reference into this TOS and is available in the footer of this Site. GGA may access your accounts and records to investigate complaints or other allegations or abuse. We will not disclose the existence or occurrence of such an investigation except to appropriate governmental authorities or unless required to do so by law. Use of mobile devices may require GGA to determine that you are using a mobile device and may require GGA to obtain certain identifying information about your mobile device.

Links to Third Party Sites.

This Site may contain hyperlinks to websites operated by parties other than GGA. Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for their content, communications, services, goods or other materials or the privacy or other practices of such websites. It is up to you to take precautions to ensure that whatever links you select or software you download (whether from this Site or other websites) is free of such items as viruses, worms, Trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators. In some cases you may be asked by a third party site to link your profile on GGA to a profile on another third party site. Choosing to do so is purely optional, and the decision to allow this information to be linked can be disabled (with the third party site) at any time. We suggest that you review the terms of service and privacy policy of any third party before submitting your personal information from this Site.

Prohibited Uses.

As a user of the Products or the Site, you agree to use the Products and the Site only for lawful purposes. Use of the Products or the Site for transmission, distribution, retrieval or storage of any information, data, or other material in violation of any applicable law or regulation is prohibited. You further agree not to use the Products or the Site to:

Use or transmit any material protected by copyright, trademark, trade secret, patent, or other intellectual property right without proper authorization;

Harass others by "mail-bombing" or "news-bombing;"

Threaten, harass, defame, embarrass or distress any other person or group;

Distribute computer viruses, worms, or any software intended to damage or alter a computer system without the owner's consent;

Use "auto-responders," "cancel-bots," or other similar mechanisms that generate excessive network traffic;

Post or send any unlawful, harmful, defamatory, libelous, pornographic, obscene, vulgar or similarly tortuous or otherwise objectionable material;

Post, send or relay any unsolicited advertising;

Post or send any chain letters or pyramid schemes;

Post or send any fraudulent or misleading offers of products, items, loans, or other services;

Engage in any conduct harmful to minors;

Post any misleading, inaccurate or fraudulent information;

Post any junk emails;

Post any duplicative or unsolicited messages;

Harvest or otherwise collect information about others, including email addresses, without their consent;

Create a false identity or forged email address or header or otherwise attempt to mislead others as to the identity of the sender or the origin of the message; or

Attempt to gain unauthorized access to the Products, other accounts, computer systems or networks connected to the Site through login password mining or any other means.

GGA takes no responsibility and assumes no liability for any mistakes, defamation, slander, libel, omissions, falsehoods, obscenity, pornography or profanity you may encounter on the Site. In order to cooperate with legitimate governmental requests, subpoenas or court orders, to protect GGA's systems and customers, or to ensure the integrity and operation of GGA's business and systems, GGA may access and disclose any information it considers necessary or appropriate, including, without limitation, user profile information (i.e. name, email address, etc.), IP addressing and traffic information, and usage history. GGA's right to lawfully disclose any such information shall take precedence over any terms of GGA's privacy policy. GGA may access and evaluate user profile information, usage history and other user information for purposes of our own marketing analysis, Site assessment, and improvement of the user experience on our Site.

Restrictions on Use.

You may not create a link to the Site without our prior written approval. All rights not expressly granted in this TOS or in a separate written agreement with GGA are reserved to GGA. No other rights or licenses, whether express, implied, arising by estoppel, or otherwise are conveyed or intended by this TOS.

Proprietary Rights in Software.

You acknowledge and agree that the Product and any GGA software used in connection with the Product ("Software") contain proprietary and confidential information that is protected by applicable copyright, intellectual property and other laws. While some images and documents in this Site or in websites linked with this website may be in the public domain, others may be protected under copyright, trademark, and other intellectual property laws of the United States and foreign countries. Such laws generally prohibit (subject to civil and criminal penalties) the unauthorized reproduction, distribution, adaptation, display, and performance of protected works. It is your obligation to comply with all applicable laws, including, where necessary, seeking the advice of counsel regarding the application of the fair use doctrine in the event of the proposed educational use of materials available on or through this Site. Subject to the Terms and Conditions applicable to the Products. GGA grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on your personal computer and mobile device(s) solely for the purpose of accessing the Product; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Product. You agree not to access the Product by any means other than through the interface that is provided by GGA for use in accessing the Product.

Trademarks.

The trademarks appearing on the Site, including those of GGA are the property of their respective owners. GGA's trademarks may be used only with the express written permission of GGA. The design and layout of the Site, and all other Sites owned, operated, licensed, or controlled by GGA or its subsidiaries, if any, are protected as trade dress and may not be copied or imitated in whole or in part. No logo, graphic, sound, image, or animation from the Site may be copied or retransmitted unless expressly permitted by GGA. Other product and company names mentioned on the Site may be the trademarks of their respective owners.

Copyright.

All materials on the Site are copyrighted and are protected under state and federal law, as well as international treaties and the copyright laws of other countries. Except as expressly provided in the subscription or service agreement governing your use of the Products, GGA's materials may not be reproduced, copied, distributed, adapted, displayed, edited, published, transmitted, or downloaded in any way without GGA's express written permission. All rights not expressly granted herein are reserved by GGA.

Assumption of Risk.

You agree that you use the Site and any third-party linked site at your own risk. You further understand and agree that GGA does not assume any responsibility for illegal, unauthorized, or improper use by you or third parties of information transmitted, monitored, stored or received using the Site or the Products. You agree that you will be solely responsible for any charges imposed upon you by your mobile carrier or mobile device service plan provider, including any time use charges, roaming charges, data usage fees, or any other third-party fees or charges. Any third-party linked sites or information is provided to you as a convenience only, and the inclusion of such linked sites or information is not intended to imply any approval or endorsement of any such linked sites or information. You agree that GGA is not responsible for any information sent by or obtained from any third-party, including through use of mobile devices.

Disclaimer.

GGA does its best to ensure the accuracy and currency of the material contained in this Site but makes no express or implied warranties or representations about any of the content of the Site. Use of the GGA Site and information is voluntary. GGA accepts no responsibility for loss or damage which may arise from reliance on information or advice contained in this Site and shall not be liable for any typographical or other errors or omissions within the material contained in this Site. GGA is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, reliance on or performance of material contained in this Site. At certain places on this Site, live "links" to third-party websites may be accessible. Such external sites contain information created, published, maintained, or otherwise posted by institutions or organizations independent of GGA. GGA does not endorse, approve, certify, or control these external sites and does not guarantee the accuracy, completeness, efficacy, or timeliness of information located at such sites. Use of any information obtained from such third-party sites is voluntary. Reference in such third-party sites to any specific commercial product, process or service does not constitute or imply endorsement or recommendation by GGA.

THE SITE, ALL THIRD PARTY LINKED SITES, AND ALL PRODUCTS, CONTENT AND MATERIALS PROVIDED IN THE SITE, ARE PROVIDED TO YOU ON AN "AS IS, WITH ALL FAULTS" BASIS, AND YOUR USE OF THE SITE AND SUCH OTHER SITES, PRODUCTS, SERVICES, CONTENT AND MATERIALS IS AT YOUR SOLE AND EXCLUSIVE RISK. NEITHER GGA NOR ANY OF ITS AFFILIATES, PARTNERS, AGENTS, OR LICENSORS, MAKES ANY REPRESENTATION OR WARRANTY OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT OR NON-INFRINGEMENT, OR ANY WARRANTY ARISING BY COURSE OF DEALING OR CUSTOM OF TRADE. UNLESS EXPRESSLY STATED TO THE CONTRARY ON THE SITE, NEITHER GGA NOR ANY OF ITS AFFILIATES, PARTNERS, AGENTS, OR LICENSORS, MAKES ANY REPRESENTATION OR WARRANTY THAT YOUR ACCESS TO AND USE OF THE SITE WILL BE (1) UNINTERRUPTED OR ERROR-FREE, (2) FREE OF VIRUSES, UNAUTHORIZED CODE, OR OTHER HARMFUL COMPONENTS, (3) SECURE, OR (4) AVAILABLE AT ANY TIME OR FROM ANY LOCATION. NEITHER GGA NOR ANY OF ITS AFFILIATES, PARTNERS, AGENTS, OR LICENSORS, MAKES ANY WARRANTY OR REPRESENTATION REGARDING (1) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE PRODUCTS OR THE SITE, (2) ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE PRODUCTS OR THE SITE, OR (3) THAT ANY DEFECTS IN THE SITE WILL BE CORRECTED. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOU AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE SERVICES OR SITE.

Some jurisdictions do not permit the exclusion or limitation of implied warranties. Therefore, only if AND SOLELY TO THE EXTENT required by applicable law, some or all of the exclusions or limitations above may not apply to you.

Limitation of Liability.

IN NO EVENT WILL GGA, ANY OF ITS PARTNERS, PROVIDERS, AFFILIATES, INCLUDING THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES (COLLECTIVELY THE "COVERED PARTIES"), BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, RELIANCE, COMPENSATORY, OR PUNITIVE DAMAGES OR DAMAGES RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THE SITE, THE PRODUCTS OR SERVICES AVAILABLE ON THE SITE, ANY SITES LINKED TO THE SITE, THE MATERIALS OR INFORMATION CONTAINED AT THE SITE. EXCEPT TO THE EXTENT PROHIBITED BY LAW, IN NO EVENT WILL GGA HAVE ANY LIABILITY TO YOU OR ANY FAMILY MEMBER IN EXCESS OF THE AMOUNT YOU PAID TO PURCHASE OR USE THE PRODUCTS SELECTED. THE FOREGOING LIMITATIONS OF LIABILITY CONSTITUTE A FUNDAMENTAL BASIS OF THESE TERMS OF SERVICE AND GGA WOULD NOT HAVE PERMITTED YOU TO USE THE SITE OR THE SERVICES ABSENT SUCH LIMITATIONS.

Some jurisdictions do not permit the exclusion or limitation of liability. Therefore, only if AND SOLEY TO THE EXTENT required by applicable law, some or all of the exclusions or limitations above may not apply to you.

Indemnity.

You agree to defend, hold harmless, and indemnify GGA and its affiliates and any of their officers, directors, employees and agents from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by third parties as a result of:

(i) your breach of this TOS or the documents referenced herein;

(ii) your violation of any law or the rights of a third party, including any intellectual property right; or

(iii) your use of the Products or the Site.

Notice.

All notices to a party shall be in writing and shall be made either via email at Compliance@generaliusa.com or U.S. mail. Notice shall be deemed given 24 hours after an email that is not returned to the sender is sent, or 3 days after deposit in the U.S. mail, to you at the address provided by you upon registration and to GGA at the address set forth below:

Generali Global Assistance, Inc.
Attn: Compliance Department
4330 East-West Highway
Suite 1000
Bethesda, MD 20814
USA

Applicable Laws and Waiver of Jury Trial.

Both you and GGA agree that this Site is operated by a US entity and this TOS and your use of the Site is governed by the statutes and laws of the State of Maryland, without regard to its conflicts of laws principles. GGA makes no representation that materials on the Site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from outside the State of Maryland do so upon their own initiative and are responsible for compliance with local laws.

You consent to the exclusive jurisdiction and venue of courts in Maryland, USA and stipulate to the fairness and convenience of proceedings in such courts for all disputes arising out of or relating to the use of this Site. You agree that all claims you may have against GGA arising out of or relating to the Site shall be heard and resolved located in the state of Maryland, and you and GGA irrevocably submit to the 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 GGA seeking injunctive relief, which GGA may pursue in any appropriate forum. YOU AGREE THAT ANY SUCH CLAIM HEARD IN ANY COURT SHALL BE CONDUCTED WITHOUT A JURY AND YOU FREELY AND VOLUNTARILY WAIVE THE RIGHT TO HAVE ANY CLAIM BROUGHT BY OR AGAINST GGA DECIDED BY A JURY.

This Agreement is personal to you, and you may not assign your rights or obligations to anyone.

General Terms.

If any provision(s) of the TOS is found to be contrary to law, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. GGA's failure to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. The TOS constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of the TOS will be effective only if unambiguously made in writing and signed by GGA.

GGA may terminate the Products and access to this Site at any time without notice, in its sole discretion. In the event of a termination, the Assumption of Risk, Disclaimer, Limitations of Liability, Prohibited Uses, Proprietary Rights in Software, Trademarks, Copyright, Indemnity, Applicable Laws, and General Terms Sections set forth in this TOS shall survive. Users who violate this TOS may additionally incur criminal and/or civil liability. GGA may refer violators to civil or criminal authorities for prosecution, and will cooperate fully with applicable government authorities in connection with its investigations of any suspected civil or criminal violations.

Please note that if this site or these Products are provided to you through your employer, you are subject to the terms and conditions provided for in the contract between your employer and GGA, in addition to the terms listed on this Site.

Acceptance of Terms.

By using the Site, you signify your assent to these Terms of Service in their entirety. If you are dissatisfied with the GGA Site, or with these terms and conditions of use, your sole and exclusive remedy is to discontinue using the Site and the Products.

(X) CLOSE WINDOW

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.

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.

"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.
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 providing tips to help keep your identity safe.
2. Opt-Out Services: GGA will assist you in 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. 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 alert 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 alert 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.
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.
9. Online Data Protection Services
  1. Online Data Protection (requires account activation to access software and software installation): If your Program includes this service, GGA's Online Data Protection Suite includes the DataScrambler^® and PhishBlock^® software that help protect your personal data from key-logging and phishing attacks.
    1. PhishBlock^® uses customized anti-phishing technology to detect malicious websites designed to steal your information. It automatically identifies scam sites, even newly published ones not yet known to traditional anti-virus programs, and overlays a warning page to inform you.
    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. It is inserted into your browser and replaces your actual keystrokes with scrambled keystrokes while providing a visual display of how your entries are continuously protected.
      Use of PhishBlock^® and DataScrambler^® software requires that you agree to the Online Data Protection Suite End User Agreement when accessing these services. We will provide you with the Online Data Protection Suite software to be installed on your PC or laptop. The Online Data Protection Suite runs on Windows operating system and is not supported on MacOS operating systems. If you have a Windows partition on your Mac, you may use the Online Data Protection Suite software.
      
      If included in your IDP, this service provides a maximum of three (3) downloads in the Individual, Couple, and Family Plans.
      
      (The Online Data Protection Suite is provided by SentryBay Limited which is an independent third-party provider of services and is not affiliated with GGA. 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, InfoArmor^®, GGA provides internet searches 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. Detect Pre-Existing Conditions: If your Program includes this service, the identity monitoring service conducts a look-back, searching potentially compromised data to attempt to identify previously unknown incidents of identity theft.
    2. High Risk Transactions: If your Program includes this service, this service monitors your high-risk transactions with more than 300 of the nation's largest companies to uncover and thwart account takeover attempts. Monitored transactions include:
      - Credit cards
      - Bank accounts
      - Brokerage accounts
      - Healthcare portals
      - Workplace intranets
      - Other services (e.g. peer-to-peer fund transfers)
    3. Compromised Credentials: If your Program includes this service, this service monitors your online credentials on sources such as hacker dump sites, the black market, hacktivist forums, file sharing portals, botnet exfiltration, data leaks and malware logs. If your username, email address, or passwords are found within a corporate data breach, on malicious third party botnets, or in criminal forums, we will alert you.
    4. Internet Black Market Surveillance: If your Program includes this service, this service monitors the underground economy to uncover exposed, sensitive information to determine if your personal identifying information appears. Additionally, you will be notified of upcoming expirations associated with information you enter for monitoring. Monitored data includes:
      - Social Security number
      - Email addresses
      - Date of birth
      - Debit/credit cards
      - Bank account numbers
      - Web logins
      - Medical Insurance cards
      - Driver's license
      - Loyalty cards
      - Affinity cards
      - Passport number
      - Vehicle Insurance cards
    5. Identity Monitoring Alerts: If your Program includes this service, Identity monitoring alerts are sent via email when pieces of your identity are detected under suspicious circumstances so that you can take immediate action to minimize damage. When you log in, you can view alert details, close out any unwarranted alerts, or flag the ones that need immediate attention.
    6. Payday Loan Monitoring: If your Program includes this service, this service monitors for payday loan fraud, which is when a thief uses your identity to illegally obtain a payday loan, racking up debt in your name.
    7. Telecom Monitoring: If your Program includes this service, this service monitors for wireless, Voice Over Internet Protocol (“VOIP”), landline or prepaid mobile accounts newly opened and activated using your information.
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.
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. $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.
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.
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. Cancellation is effective immediately upon receipt of the telephonic 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. Cancellation of a monthly payment IDP membership is effective immediately upon receipt of the telephonic 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.
REFUND POLICY
If you have selected an annual payment, the annual fee is refundable only upon request made 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 only upon request made 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 only upon request made 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 only upon request made 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.
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.
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.
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.
LIMITATIONS AND EXCLUSIONS
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. 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.
5. 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 or where rendering services is prohibited by local law or regulations.
6. 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.
7. 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.
8. In the case of the TransUnion^® VantageScore^® 3.0, refer to Transunion's Terms of Use here.
9. 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.
10. The Online Data Protection Suite software is designed to protect the Member online, but like all products designed to combat malicious software, GGA cannot guarantee that the software will be 100% effective. Neither GGA nor the licensor nor the supplier that a Member purchases such software from guarantee that the software will be free of all errors or bugs, or free from interruption or failure. 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. By accessing or using the Online Data Protection Suite software you acknowledge and agree that, while the supplier of the software may guarantee that the software is of satisfactory quality and is reasonably fit for the purpose for which it is supplied, you are responsible to verify that the software selected is suitable for your purposes in the context of your overall approach to the risk of identity theft. GGA is not responsible for any problems arising from or relating to the operation of the software, compatibility OR OPERATION of the software with your computer system, or unsuitability of the software for your purposes unless we have made a misrepresentation with respect to the software.
11. 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.
12. Credit Monitoring, Report and Score (requires activation): GGA will provide the Member with access to the Member’s credit report and credit score and will monitor the Member’s credit file for changes that could indicate fraud such as new credit inquiries, an address change, or new credit account(s) opened in the Member’s name. This Service includes access to 3-Bureau Credit Monitoring, Reports and Scores with alerts throughout the term of the program. This Service 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. The Primary Member and his or her Spouse or Domestic Partner must enroll in Credit Monitoring via an authentication process following their account activation in order to have this Service.
13. 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.
14. In the ScamAssist^™ 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. GGA's ScamAssist^™ services are provided to its 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. 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.
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.
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.

This website (the "Site") is owned and/or operated by Generali Global Assistance, Inc. ("GGA") and (“We”) 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 Nationwide’s Identity Protection Program ("IDP"). The IDP Products are accessible through the Nationwide’s Identity Protection Portal ("IPP") and the Products may only be used by you in accordance with these Terms and Conditions (the "Terms").

Please refer to the plan details in your Account Details page to be aware of the Products that are included in your IDP.

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.

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 the Primary Member and another adult living in the same household as the Primary Member, 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. In addition, a Member must be at least 18 years of age.

"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.

"2 Adults Plan" includes the Primary Member and another adult aged 18 or above who lives in the same household as the Primary Member. For more detailed information regarding the 2 Adults Plan, see Section L below.
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: Members have toll-free access to the multilingual GGA Coordination Center, 24 hours a day, 365 days a year including access to our identity theft resolution specialists and online resources to educate Members on how Identity Theft occurs and tips to help you and your family keep your identities safe.
2. Opt-Out Services: GGA will assist you with opting out of direct mail pre-approved credit card offers and marketing phone calls.
3. Online Identity Monitoring Dashboard (requires activation): We will provide a dashboard to monitor your identity risk level, track your credit profile, access Identity theft protection tips and respond to alerts from our online platform.
4. Credit Monitoring, Report and Score (requires activation): 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. This Product includes access to 1- Bureau Credit Monitoring, Reports and Scores with alerts throughout the term of the IDP. If you cannot successfully enroll in Credit Monitoring, you will be notified via email. This Service is available to the Primary Member and to a second adult living in the same household. The Primary Member and the second adult must enroll in Credit Monitoring via an authentication process following their account activation in order to have this Product.
  1. Eligibility
    Credit Monitoring is available to the Primary Member and another adult living in the same household. The Primary Member and the second adult must be at least 18 years of age.
  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 and 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 IPP, 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. Instant Credit Alerts
    You will receive real time notification of all credit related inquiries pertaining to your TransUnion® credit information. The Instant Inquiry Alerts are only received from creditors who request a credit inquiry from TransUnion®.
5. IDENTITY MONITORING SERVICES
  Identity Monitoring (requires activation to access your alerts)) You will receive access to Identity Monitoring ("Identity Monitoring"). Through our authorized provider, InfoArmor®, We provide comprehensive internet searches to detect compromised credentials and potentially damaging use of your personal information, and alert you via email so that you can take immediate action. Examples of types of alerts include:
  1. High risk transactions such as bank password resets, peer-to-peer fund transfers and online health insurance websites;
  2. Compromised credentials such as a Member’s username, email address or passwords within a corporate data breach, malicious third party botnets, or criminal forums; and
  3. Black Market activity related to your personal information such as name, address, Social Security number and date or birth or numbers listed on a Member’s debit/credit card, medical insurance, automobile insurance, driver’s license, frequent flyer cards, reward/loyalty cards, and passport.
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, GGA treats 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 Expertise: Our identity theft resolution specialists are available 24/7 to help restore your identity and prevent further damage in the event of an incident. In the event of an Identity Theft, GGA will assign a personal case manager to assist you by providing the services described below.
2. Identity Theft Affidavit Assistance and Submission: We’ll provide you with an Identity Theft affidavit, used 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.
3. Creditor Notification, Dispute and Follow-Up: We’ll contact your creditors’ fraud departments to dispute each fraudulent occurrence, continue to follow-up until each matter is properly handled and notify you throughout the process with a weekly status report.
4. Inform Police/Legal Authorities: We’ll assist you in reporting the fraudulent activity to the local authorities and forward a report of the fraudulent activity to creditors.
5. Credit Freeze: If you need to block suspicious activity occurring on your account, We’ll work with the credit reporting agencies to place a credit freeze on your credit record(s) in states where this service is available in accordance with state law.
6. Lost Wallet Assistance: We’ll notify the appropriate bank or agency to assist you in canceling or replacing stolen or missing items such as credit/debit card, driver’s license, Social Security card, or passport.
7. 3-Bureau Fraud Alert: GGA will enhance your fraud protection by assisting with placing a fraud alert on your records at all three credit bureaus.
8. 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.
9. Translation Services: If you are abroad, We’ll help you communicate with the local authorities, including filing an identity theft incident report. It is the responsibility of the Member to pay for any cost associated with the translation services.
10. Emergency Cash and Travel Arrangements: 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 and assist with emergency travel arrangements, including airline, hotel and car rental reservations. 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.
FEES:
The Primary Member may select to pay the IDP fee(s) on an annual basis or on a monthly.

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.

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.
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. Cancellation is effective immediately upon receipt of the telephonic 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. Cancellation of a monthly payment IDP membership is effective immediately upon receipt of the telephonic 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.
REFUND POLICY:
If you have selected an annual payment, the annual fee is refundable only upon request made within the first thirty (30) calendar days from the Purchase Date (the "Refund Period"). 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 only upon request made within the Refund Period. 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 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.
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 or monthly 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. Please see Refund Policy above.
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. 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.
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.
LIMITATIONS AND EXCLUSIONS:
1. 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.
2. GGA services do not include, and GGA shall not assist the Member for, thefts involving non-US bank accounts.
3. 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.
4. 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 or where rendering services is prohibited by local law or regulations.
5. 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 any of our Products is an endorsement or a determination of any person's qualification for a loan, or any other extension of credit.
6. 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.
7. In the case of the TransUnion® VantageScore 3.0®, refer to TransUnion’s Terms of Use at click here.
8. 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.
9. 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.
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.
SPECIAL PROVISIONS PERTAINING TO THE 2 ADULTS PLAN
2 Adults Plan

The GGA 2 Adults Plan allows the Primary Member to purchase a single membership that enables a 2nd adult living at the same household to enjoy the Plan services. Although the Primary Member may pay for the 2nd adult to be in the 2 Adults 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 2 Adults Plan services. Each Member will have their own login and password. Neither Member in the 2 Adults 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.

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Did you know that 16.7 million people were victims of identity theft in the U.S. in 2017? ^*

How would you manage if your wallet or identification was lost or stolen?

Did you know that more than one million children were victims of identity theft last year? ^*

Did you know that identity thieves stole $16 billion in 2016? ^*

There’s a new identity theft victim every 2 seconds.^*

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Did you know that 16.7 million people were victims of identity theft in the U.S. in 2017? *

How would you manage if your wallet or identification was lost or stolen?

Did you know that more than one million children were victims of identity theft last year? *

Did you know that identity thieves stole $16 billion in 2016? *

There’s a new identity theft victim every 2 seconds.*

$.

How It Works

Protect

Monitor

Detect

Alert

Resolve

Protect

Monitor

Detect

Alert

Resolve

How We Compare

Our Plans

ALL PLANS INCLUDE:

Individual

Family

Couple

Enrollment

Personal Information

Plan Summary

Total Due Today $

Payment Method

EFT Authorization

Review Your Plan Details

$ /

$ /

Compare Our Plans

TERMS AND CONDITIONS OF GENERALI GLOBAL ASSISTANCE, INC. IDENTITY PROTECTION PRODUCTS

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PRIVACY POLICY

Generali Global Assistance Privacy Policy Statement

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TERMS OF SERVICE

TERMS AND CONDITIONS OF GENERALI GLOBAL ASSISTANCE IDENTITY PROTECTION PRODUCTS

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Did you know that 16.7 million people were victims of identity theft in the U.S. in 2017? ^*

Did you know that more than one million children were victims of identity theft last year? ^*

Did you know that identity thieves stole $16 billion in 2016? ^*

There’s a new identity theft victim every 2 seconds.^*

Total Due Today

$