You understand and agree that you are joining YourCompany to gain access to your real time ssn monitoring, recovery of your stolen identity, credit card fraud alerts, and million dollar identity theft protection described on this site. You will be charged $29.99 today to begin your membership. You can cancel your Membership at any time. Membership must be cancelled by calling (800)376-8702 and speaking with a Customer Care representative or leaving a voice message with the automated prompts. No partial refunds will be given. Membership is $29.99 per month. You will subsequently be charged $29.99 each month thereafter until you cancel you membership.
Your Welcome Kit and Activation Code will arrive from info@National ID Lock.com so please make sure that this address is unblocked. You may call (800)376-8702 with questions about your account.
You hereby accept and agree to be legally bound by these Terms and Conditions ("Terms"). These Terms are effective immediately by You registering ("the Subscription") and using National ID Lock ("the Service"). You agree to be legally bound by and subject to all terms and conditions contained in these Terms. You represent and warrant that You are at least 18 years old and otherwise legally competent in all respects and possess all legal authority and power to accept and be bound by these Terms. Additionally, You represent and warrant that You are not prohibited under any part of these Terms from registering or signing up with or otherwise subscribing to or receiving any of the Service. You represent and warrant all information provided by You has been and is complete, accurate, and current, and that You shall continue to provide complete, accurate and current information in connection with all registration or renewal processes and further agree to update all such information as necessary to maintain complete, accurate and current information. To update your information you must contact the Service. You understand and agree that in addition to the Terms and Conditions of this site. You will be subject to the Terms and Conditions of the Service.
After reviewing the information you submit, you understand and agree that the Service has a right, at its sole discretion, to refuse your application for a Subscription. Further, you agree that the Service will not be liable to you if the Service, for any reason, refuses your application for a Subscription or suspends or terminates an existing Subscription of yours, or disallows use of, or access to an existing Subscription of yours or any portion thereof.
You understand and agree that by registering you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for the Service to obtain information from your personal credit profile from Experian or any other credit reporting company. You authorize the Service to access your credit profile to verify your identity and to provide credit monitoring, credit reporting, credit scoring, credit score monitoring and tracking, identity monitoring, fraud resolution and card registry products. You also authorize the Service to access your credit profile to perform other functions related to providing the product(s) that you have ordered or may order.
Changes to Terms
These terms may be changed at any time with or without notice. Any use of the Service or this Site by You after the altered Terms are posted on this Site, shall constitute Your acceptance of all changes to the Terms. If You do not agree to any such changes, Your sole and exclusive remedy is to cancel Your Subscription.
Automatic Renewal of Subscription
The automatic renewal of your subscription is a courtesy and not an obligation (contractual or otherwise) of the Service, You acknowledge and confirm that the obligation to renew your Subscription is solely and exclusively Your responsibility, and is not the obligation (contractual or otherwise) of this Site. While consenting to the performance of said courtesy, You hereby release this Site from all liability for any failure for any reason of Your Subscription not being renewed. You acknowledge that said subscription if not renewed, for whatever reason, will expire at one minute to midnight on the last day of the current month.
Cancellation of Automatic Renewal of Subscription
To cancel the automatic renewal of Your Subscription You must cancel Your Subscription by calling (800)376-8702 anytime prior to next renewal date and request the Service to cancel Your Subscription. No additional charges will be billed to You and Your Subscription shall be cancelled as of the day you call. No refunds will be given.
These Terms do not give You any rights in the intellectual property or technology of this Site. All copy write content is the exclusive property of this site. All trademarks, and logos is the exclusive property of the respective owners.
You have an obligation and duty to maintain and control passwords and access to Your Subscription. You agree to immediately notify the Service by telephone at (800)376-8702 of any unauthorized uses of Your Subscription or any other breaches of security. You understand and agree that this Site will not be liable for any loss or damages of any kind, under any legal theory, caused by Your failure to comply with the foregoing security obligations or caused by any person to whom You grant access to Your Subscription.
You understand and agree that all claims, disputes or controversies between you and the Service, shall be resolved by final and binding arbitration at a location determined by the arbitrator. Any controversy concerning whether a dispute is arbitrable shall be determined by the arbitrator and not by the court. The parties voluntarily and knowingly waive any right they have to a jury trial. Judgment upon any award rendered by the arbitrator may be entered by any state or federal court having jurisdiction thereof. The federal arbitration act ("faa") shall prevail in all aspects of this arbitration contract.
YOUR RIGHTS UNDER THE FCRA
You have certain rights under the Federal Credit Reporting Act ( FCRA) which allows you to obtain a copy of all of the information about you from any consumer credit reporting company for a reasonable charge. You must be told if information in your file has been used against you. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer-reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. You are entitled to a free file disclosure if:
A person has taken adverse action against you because of information in your credit report.
See www.ftc.gov/credit for additional information and procedures.The various credit report information that the Service provides is not intended to be a full credit report disclosure as required by FCRA and other state regulations for consumer-reporting agencies. The disclosure report as required by FCRA must be obtained directly from the consumer-reporting agency that maintains your credit history on file.
National ID Lock and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.
DESCRIPTION OF THE SERVICE
National ID Lock provides public record information ("the Service") using a variety of personal information suppliers, technologies and public information databases ("Third Parties"). You hereby authorize and instruct The Wisdom Companies to act as your agent by accessing and using any available online searchable databases on your behalf for the purpose of obtaining and gathering personal information about yourself for your use and benefit, and to request removal of your personal information from databases if you direct us to.
National ID Lock MILLION DOLLAR GUARANTEE & SERVICE LIMITED WARRANTY PROVIDED THROUGH CHARTIS
Limited Warranty: National ID Lock warrants to You that the Service You receive will perform substantially in accordance with any written specifications provided to You by National ID Lock during the entire term of Your subscription ("Warranty").
Remedy: IF THE SERVICE FAILS TO COMPLY WITH THE WARRANTY, National ID Lock SHALL: (I) USE COMMERCIALLY REASONABLE EFFORTS TO CORRECT THE FAILURE; AND IF (AND ONLY IF) YOU SUFFER A STOLEN IDENTITY EVENT (AS DEFINED BELOW) AS A DIRECT RESULT OF SUCH FAILURE, (II) PROVIDE YOU WITH THE BENEFITS AND RESTORATION SERVICES (BOTH AS DEFINED BELOW).
STOLEN IDENTITY EVENT
A "Stolen Identity Event" means the theft or Your personal identification, social security number, or other method of identifying You, which has or could reasonably result in the wrongful use of such information, including, but not limited to stolen identity events occurring on or arising out of your use of the internet. All loss resulting from Stolen Identity Event(s) and arising from the same, continuous, related or repeated acts shall be treated as arising out of a single stolen identity event occurring at the time of the first stolen identity event. Stolen identity event shall not include the theft or unauthorized or wrongful use of Your business name, d/b/a or any other method of identifying any business activity of yours.
YOUR SOLE REMEDY, AND THE EXCLUSIVE LIABILITY OF National ID Lock FOR ANY VIOLATION OF THE WARRANTY IS THE FOLLOWING: BENEFITS National ID Lock shall reimburse You for only the following ("Benefits"):
Necessary costs incurred by You in the United States for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a Stolen Identity Event.
Necessary costs incurred by You in the United States for notarizing affidavits (or other similar documents), and long distance telephone calls and postage, incurred solely as a result of Your efforts to report a Stolen Identity Event and/or amend or rectify records as to Your true name or identity as a result of a Stolen Identity Event. Necessary costs incurred by You for up to six credit reports from established credit bureaus dated within twelve (12) months after You become aware of a Stolen Identity Event.
Actual lost wages that would have been earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off from work and away from your work premises solely as a result of Your efforts to amend or rectify records as to Your true name or identity as a result of a Stolen Identity Event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days and excludes business interruption or future earning of a self-employed professional.
Computation of lost wages for self-employed professionals must be supported by and will be based on prior year tax returns. Self-employed individual means a person who owns or operates his or her own business or trade and whose primary income is earned from such business or trade. Coverage is limited to wages lost 12 months after your discovery of a stolen identity event.
Legal Defense Fees and Expenses
Reasonable and necessary fees and expenses incurred in the United States by You (after obtaining National ID Lock's express prior written consent) for an attorney expressly approved by National ID Lock in writing for (and only for):
Defending civil suits brought against You by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services, or default on a loan, directly resulting from a Stolen Identity Event; and Removing any civil judgment wrongfully entered against You as a result of the Stolen Identity Event. Criminal defense for charges brought against you as a result of the stolen identity event. However, we will only pay for this after it has been established by acquittal or dropping of charges because you were not in fact the perpetrator.
National ID Lock shall provide to You only the following restoration services ("Restoration Services"):
NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE AMOUNTS EXPENDED BY National ID Lock (INCLUDING, WITHOUT LIMITATION, AMOUNTS REIMBURSED TO YOU) UNDER THIS LIMITED WARRANTY SHALL NOT EXCEED, IN THE AGGREGATE, US$ 1,000,000 FOR ALL STOLEN IDENTITY EVENTS (REGARDLESS OF THE CIRCUMSTANCES, INCLUDING, WITHOUT LIMITATION, YOUR OWNERSHIP OR USE OF MULTIPLE SUBSCRIPTIONS TO THE SERVICE) ("WARRANTY LIMIT").
WARRANTY CONDITIONS AND EXCLUSIONS
This Limited Warranty provides benefits to You for a Stolen Identity Event only if:
(i) You report such Stolen Identity Event to National ID Lock at (800)376-8702 as soon as You become aware of such event, but no later than three (3) months after the Stolen Identity Event occurs.
(ii) You strictly follow all instructions set forth in the National ID Lock Claims Kit, and otherwise provided to You by National ID Lock for such Stolen Identity Event. These instructions may require You to, among other things, notify major credit bureaus, the Federal Trade Commission's Identity Theft Hotline and appropriate law enforcement authorities of such Stolen Identity Event.
(iii) At the time of the Stolen Identity Event and Your discovery of such event, You are a current, registered subscriber to the Service ("Subscriber"). For clarity, You will not have the right to receive any Benefit with respect to Stolen Identity Events that occur prior to the time You are a Subscriber, or that are discovered by You after You are no longer a Subscriber.
(iv) You are otherwise in full compliance with all other terms and conditions for use of the Service (including, without limitation, the term of use located at safeidlock.com/footer/terms-and-conditions.php). If National ID Lock finds that You misrepresented any information required by National ID Lock to provide the Benefits, or misrepresented that You were Subscriber when Your information was misused, or misrepresented any information required for You to become Subscriber, You agree to promptly reimburse National ID Lock for any amounts National ID Lock has paid in connection with Your Benefits claim, including, without limitation, any costs National ID Lock incurs to collect such amounts from You. If You are found, or National ID Lock reasonably believes you are, (i) guilty of a crime related to any loss which You attribute to identity theft, or (ii) otherwise responsible for the Stolen Identity Event, National ID Lock shall be entitled to recover all Benefit amounts paid on Your behalf with respect thereto. Disclaimer; Additional Terms: EXCEPT AS EXPRESSLY SET FORTH IN THIS LIMITED WARRANTY, NEITHER National ID Lock NOR ANY OF THEIR RESPECTIVE SUPPLIERS OR VENDORS MAKES ANY WARRANTY (EXPRESS OR IMPLIED) WITH RESPECT TO THE SERVICE, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM STATE TO STATE. IN THE EVENT THAT ANY OF THE PROVISIONS OF THIS LIMITED WARRANTY SHALL BE HELD BY A COURT OR OTHER TRIBUNAL OF COMPETENT JURISDICTION TO BE ILLEGAL, INVALID OR UNENFORCEABLE, SUCH PROVISIONS SHALL BE LIMITED OR ELIMINATED TO THE MINIMUM EXTENT NECESSARY SO THAT THIS LIMITED WARRANTY SHALL OTHERWISE REMAIN IN FULL FORCE AND EFFECT.
National ID Lock is a service of IdentitySweep.
Your privacy is very important to us
Who We Are
We are an on-line consumer service that introduces persons such as yourself to certain of our business affiliates who have expressed a general willingness to review your information and determine if they are willing to provide you with the services or products that prompted you to visit our Site. When you visit our Site, you will be requested to complete provide certain information that our business affiliates request in order to perform a preliminary analysis of your qualifications to receive the service or products. Based upon your consent, as evidenced by your registering with us on this Site (i.e., your submission of the requested information on the application), we will forward the information that you provided to certain of our business affiliates.
In addition, from time to time, we or our business affiliates may provide you the additional service (the "Premium Service") of sending you e-mail you or otherwise corresponding with you to inform you of additional opportunities to receive special offers for other services and/or products that we believe may be of interest. There are no fees for Premium Service, and you are under no obligation to accept any service or product with any of our business affiliates offered under the Premium Service.
Information We Collect
The information that we collect is generally limited to personal information about you that our business affiliates consider necessary for performing a preliminary evaluation of your qualifications. To the extent that you can order products, enter contests, express an opinion, or subscribe to a service(s), the type of personally identifiable information that may be collected may include: name; address; e-mail address; telephone number; fax number; credit card information; information about your interests in and use of various products, programs, and services; education level; educational interests; home owner status; income; debt level; current mortgage; mortgage rate and the like. To the extent that you are requested and you do submit information about other people, such information will be limited recipient's name, address, e-mail address, and telephone number.
We also collect user information that can help us optimize and enhance your experience on our Site; as well as provide you with an efficient, safe, smooth, and customized experience. For example, if you came to this Site from an online banner ad, pop-up or other advertisement, an anonymous identification number may be passed to our Site. In some cases, we may place a cookie in your browser. The aforementioned information cannot, by itself, be used to gather any personally identifiable information about you, but it will allow us to track the overall effectiveness of our online advertising campaigns. We also automatically track certain information with respect to your behavior on the Site through the forgoing cookie or identification number. This non personally identifiable information may include the Internet address or URL that you just came from and which URL you go to next; your computer browser information; and your IP address. We use this non personally identifiable information in conjunction with some of the information that you provided to us to do internal research on our users' demographics and behavior; and to better understand how to best serve other users of this Site. Third parties may also set cookies on our sites to determine proper site usage and click count.
We also utilize Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including but not limited to the number of visitors to our site, operating systems and browser type. Unlike cookies, Web Logs are maintained only on our servers and do not store or place anything on the user's computer.
How We Use Your Information
We collect the information that you submit and which our business affiliates consider necessary for performing a preliminary evaluation of your qualifications for their products and services. Prior to sending your information to our business affiliates, we attempt to validate it. For example, we may compare and review your personal information for errors, omissions, and accuracy based upon past usage and response; or compare your information against other publicly available files; or validate some of the personal information submitted to verify that the information inputted has a high probability of being valid information.
Once you have registered with us, you are automatically enrolled to receive our Premium Service. We use the information you provided, along with other information described below, to create a general user profile. This profile can be created by combining your information with other sources of information such as information obtained from public databases, or from your browsing habits surrounding your visit to this Site.
We may use personal information to provide the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
Please note that we have the ability to retain any data that you provide on this website, even if you do not complete your [registration/transaction] by clicking [submit/next]. Such contact details and data may be used [state purpose(s) e.g. to contact you to inquire why you did not complete your [registration/transaction]
WE MAY USE INFORMATION THAT WE HAVE COLLECTED FOR ANY LEGALLY PERMISSIBLE PURPOSE, INCLUDING SELLING OR TRANSFERING SUCH INFORMATION AT ANY TIME TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE.
Certain sensitive information such as credit card numbers or other information such as social security numbers and drivers licenses ("Financial Information") collected on the site and associated data is encrypted and protected with SSL encryption software from the time it is captured by our application to the time it is transmitted to our servers. For more information on the encryption and protection of your information, please see How We Protect Your Privacy.
How We Protect Your Privacy
We protect your privacy in a number of ways. As an initial matter, any Financial Information transmitted to our servers via a secure server is encrypted using SSL technology. SSL is a protocol that transmits your communications over the Internet in an encrypted form. The protocol ensures that the information is sent, unchanged, only to the server you intended to send it to.
Once your information reaches our server, it is protected by a firewall. With a firewall in place, your information is virtually inaccessible to third parties. In addition to encryption and firewall protections, we have all of our business affiliates agree to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our business affiliates are breaching our agreement, and therefore your trust, we will take corrective actions immediately or terminate our relationship with such business affiliate.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can mail us at the address indicated below in the Contact Us section.
If you want to change the information that you submitted, please do so by making another request through our Site. We will not be able to change information that is forwarded on to our business affiliates. Please contact the business affiliates directly to change any of your information.
If you want to request to be removed from further communication with this Site, including our Premium Services, please Opt-out by clicking on this link to our Opt-out procedure. We will place your e-mail address on a suppression file associated with this Site. Persons whose names appear on our suppression file, will have their e-mail addresses checked against all correspondence to be sent by us. Where there is a match, the planned email correspondence will be withheld, and such person will receive no further email correspondence from us. Your e-mail address will be placed on the suppression list associated with this Site within ten business (10) days of your request. Once you have opted out, we will no longer forward you email from this site but we are not responsible or in control of the business practices of our business affiliates who have been forwarded your information.