Last Revised: April 5, 2016
Website terms of service
By accessing or using any part of the web site, you agree that you have read, understand and agree to be bound by these terms of service. If you do not agree to be so bound, do not access or use the web site. You must read and accept this terms of service before using any service or product provided by IDPro247. These terms of service contains an arbitration provision and waiver of classwide proceedings which may be enforced by the parties.
This Terms of Service is a legally binding agreement made by and between IDPro247 ("we" or "us") and you, personally and, if applicable, on behalf of the entity for whom you are using this web site (collectively, you). This Terms of Service governs your use of IDPro247.com and all related web pages, portals and interfaces (collectively, the "Web Site") and the services we offer on the Web Site ("Services"), so please read it carefully.
- 1. Your Acceptance of the Terms of Service.
This Terms of Service is a contract between you and Privacy Strong. You accept this contract when you (a) use the Website; (b) use or attempt to use the Services; (c) sign, or submit your electronic signature to, this Agreement; and/or (c) otherwise sign any contract for the Services with us via other means. If you do not accept this Agreement, then you must not do any of these things.
- 2. Using The Web Site.
- a. Offers Void Where Prohibited.
All offers on our Web Site or otherwise are void where prohibited by any applicable law or regulation.
- b. Eligibility.
Except as expressly provided below, the Web Site may only be used by individuals and entities who can form legally binding contracts under applicable law. No person under the age of 18 may use the Web Site without the supervision of a parent or legal guardian. Your use of the Web Site will be deemed to be a representation that you are 18 years of age or older or using the Website with the permission of your parent or guardian. We require that all enrollments be made by individuals 18 years of age or older. While a parent or guardian may use the Web Site to consult with a doctor about their child, no child may use the Web Site on their own behalf or maintain their own Web Site customer account. The Site is meant for use by individuals residing within the United States only; others may not use the Site at this time.
- c. Permission for Future Contact.
- d. License and Restrictions.
Subject to the terms and conditions of this Terms of Service , you are hereby granted a limited, non-exclusive right to use the content and materials on our Web Site in the normal course of your use of the Web Site. We will retain ownership of our intellectual property rights and you will not obtain any rights therein by virtue of this Terms of Service or otherwise, except as expressly set forth in this Terms of Service . You will have no right to use, copy, display, perform, create derivative works from, distribute, transmit or sublicense materials or content available on the Web Site, except as expressly set forth in this Terms of Service .
- e. Prohibited Conduct.
In your use of the Web Site, you may not: (i) infringe any patent, trademark, trade secret, copyright, right of publicity or other right of any party; (ii) disrupt or interfere with the security or use of the Web Site or any web sites linked to the Web Site; (iii) interfere with or damage the Web Site, including, without limitation, through the use of viruses, cancel bots, Trojan horses, harmful code, flood pings, denial of service attacks, packet or IP spoofing, forged routing or electronic mail address information, or similar methods or technology; (iv) impersonate another person or entity, misrepresent your affiliation with a person or entity, including (without limitation) us, or use a false identity; (v) attempt to obtain unauthorized access to the Web Site; (vi) engage, directly or indirectly, in transmission of spam, chain letters, junk mail or any other type of unsolicited solicitation; (vii) collect, manually or through an automatic process, information about other users or the Web Site without their or our express written consent; (viii) submit false or misleading information to us; (ix) violate any law, rule, or regulation; (x) engage in any activity that interferes with any third party's ability to use or enjoy the Web Site; or (xii) assist or encourage any third party in engaging in any activity prohibited by this Terms of Service .
- a. Offers Void Where Prohibited.
- 3. Password and Account Security.
- a. Registration.
You may create your own account on the Web Site by completing the online registration and membership processes on the Web Site, and you must do so if you would like to make a purchase. In doing so, you must provide us with accurate and complete registration information, and update it if this information changes. It is particularly important to keep the email address associated with your account current because although you may be able to log into your Web Site account using an old email address, you will not be able to receive messages from us about your account or other matters.
- b. Accounts and Passwords.
We will create an account for you and assign you, or allow you to select, a password. You must keep your password confidential. You will be responsible for all use of your password, including, without limitation, any use by any unauthorized third party. You must notify us immediately if you believe your password may be used by any unauthorized person or entity. For security purposes, we recommend you change your password often. Under no circumstance should you respond to a request for your password. Our employees will never ask for your password in any manner via any means of communication. You must notify us immediately if you receive such a request. We reserve the right to suspend or terminate your use of the Web Site if we believe that your password is being used without permission or otherwise in a manner that may disrupt the Web Site.
- a. Registration.
- 5. Accuracy of Information.
We attempt to ensure that the information on the Web Site is complete and accurate; however, this information may contain typographical errors, pricing errors, and other errors or inaccuracies. We assume no responsibility for such errors and omissions, and reserve the right to: (i) revoke any offer stated on the Web Site; (ii) correct any errors, inaccuracies or omissions; and (iii) make changes to prices, content, promotions, product descriptions or specifications, or other information on the Web Site.
- 6. Cancelation Provisions.
If you determine that you do not wish to use the Services, then you are permitted to cancel by calling our customer care at 1-888-622-6643. You will remain liable, however, for any unpaid fees, purchases or charges incurred prior to your Cancelation. If Company determines it is unable to bill the membership fee due hereunder to your designated billing source, Company shall have the right to terminate this Agreement in which event you will no longer have access to any of the Services. In addition to Company's termination rights set forth above, Company may elect in its sole discretion to keep this Terms of Service in effect, but suspend your access to all of the Services, until such time (if any) as Company is able to bill the fee due hereunder to your designated billing source. No exception to these Cancelation provisions will be made except as required by law.
- 7. Hardware and Software Requirements.
As an online customer, you are agreeing to receive all notifications via email at the email address you provided to IDPro247 upon enrollment or purchase of the IDPro247 Products and Services. To ensure receipt of all notifications, you must timely update any change to your email address on file with IDPro247.
- 8. Product Descriptions.
Short product descriptions are found on the Site. For more detailed descriptions, call IDPro247 directly.
- 9. Who is Covered in the Family Plan.
If you elected family coverage, a qualifying family member shall mean the primary member's spouse or domestic partner, the member's dependents under the age of twenty-five (25) who have the same permanent address as the member, any handicapped adult living in the same household with the member who requires assistance from the family to manage their affairs, and parents (mother or father) of the member or their spouse or domestic partner who have the same permanent address as the member, or who are registered in a senior assisted living facility, skilled nursing home, hospice, or who have been deceased for twelve (12) months or less. If you request enrollment of a child, you will be required to verify your status as the child's parent or guardian by providing documents reasonably requested by IDPro247, including, without limitation, the child's social security card and birth certificate, valid proof of your identification and proof of your residence.
- 10. Submitting a Claim for Reimbursement.
In the event that you incur covered expenses as part of an identity theft event, your Recovery Advocates will provide initial contact information to the insurance carriers that provide the reimbursement plan, if applicable. You will be mailed an insurance company claim package. For a detailed description of expenses eligible for reimbursement, see the description of the reimbursement plan.
- 11. Product Fees and Payment.
If you are paying for these benefits directly to IDPro247, then the following terms will apply:
- a. Charges -
Based on your authorization, payments will be deducted from your credit or debit card on a monthly, quarterly, semi-annual or annual frequency in the amount indicated. With sixty (60) days prior written notice to you at the email address on file for the primary member, IDPro247 reserves the right to adjust the pricing. You are under no obligation to continue the program (see Cancelation & Refund Policy below).
- b. Cancelation & Refund Policy -
You can cancel the service at any time. You can obtain a refund for the initial registration period if the service does not meet your expectations by calling 1-888-622-6643 within the first 30 days of your registration. After the initial 30 days, you may cancel your service at any time and can request a pro-rata refund for the then current month. If you wish to cancel your plan, please call the customer service number. If you are paying monthly, your plan will be cancelled at the end of the month in which the Cancelation request is received. You are responsible for making payment for the months during which benefits are in effect. If you have paid on a quarterly, semi-annual or annual basis, your plan will be cancelled at the end of the month in which the Cancelation request is received and we will refund any unused portion of the pre-discount monthly payment.
- c. Lapse for Non-Payment -
You may elect to pay for benefits on a monthly, quarterly, semi-annual or annual basis. If payment is not received on the due date for the benefit period you elected, Recovery IDPro247 Products and Services will cease at the point at which the plan is terminated for non-payment.
- a. Charges -
- 12. Additional Use Restrictions.
You understand and agree that your access to and use of the Website and IDPro247 Products and Services is subject to the following terms:
- a. You agree to provide true, accurate, complete and current information to IDPro247 about yourself and any minor children you are enrolling or have enrolled in the Website or any IDPro247 Products and Services. If IDPro247 determines or reasonably suspects that any information you provided to IDPro247 is false, incomplete or inaccurate, IDPro247 may, in its sole discretion, suspend or terminate your access to and use of the Website and the IDPro247 Products and Services and block all future access to and use of the Website and IDPro247 Products and Services. You further agree that IDPro247 will not be liable to you, your minor children or any other person if IDPro247 suspends or terminates your access to and use of the Website and the IDPro247 Products and Services;
- b. You agree not to copy, post, publish, broadcast, display, distribute or otherwise make available the Website, in whole or in part, in any medium, form or format, now known or later developed, without IDPro247's prior written authorization;
- c. You agree that the Website and IDPro247 Products and Services are provided solely for your personal use;
- d. You agree not to alter, modify or reverse engineer or compile any part of the Website, including, without limitation, IDPro247 Products and Services, software programs and applications provided through the Website;
- e. You agree not to sell access to the Website;
- f. You agree not to provide unauthorized access to the Website. Access to and use of password protected and/or secure areas of the Website are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Website may be subject to prosecution.
- g. You agree not to access or attempt to access any portion of the Website to which you have not been granted access, including, the private account information of other users of the Website. Access to and use of password protected and/or secure areas of the Website are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Website may be subject to prosecution;
- h. You agree not to use or launch any automated system, including, without limitation, "robots," "spiders" or "offline readers" that access the Website in a manner that sends more requests to the Website servers in a given period of time than a human can reasonably produce in the same period by using a conventional online browser;
- i. You agree not to harvest or collect email addresses or other personal and financial information of other users from the Website by electronic or other means for the purposes of sending unsolicited communications or improper or illegal activities;
- j. You agree not to use the Website in any manner that could damage, disable, overburden or impair the Website;
- k. You agree not to upload, post, transmit, share or otherwise make available material that is obscene, pornographic, offensive, discriminatory, false, harmful, harassing, defamatory, libelous or violates the rights of any third-party, including, without limitation, trade secret, patent, copyright, trademark, privacy or publicity;
- l. You agree not to upload, post, transmit, share or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
- m.You agree to use the Website in a manner that complies with all applicable local, national and international laws and regulations.
- 13. FCRA.
You understand and agree that by purchasing the IDPro247 Products and Services you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended from time to time ("FCRA"), for IDPro247 to access and obtain your personal credit information, and the personal credit information of any minor(s) you have enrolled, from any or all of the credit reporting companies for the purpose of verifying your and any enrolled minor(s)' identity and to provide the IDPro247 Products and Services and any services or functions related thereto and IDPro247' business. The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:
- a. You have been denied credit, insurance or employment in the past sixty (60) days as a result of your report
- b. You certify in writing that you are unemployed and intend to apply for employment in the sixty (60)-day period beginning on the day you make the certification
- c. You are a recipient of public welfare assistance
- d. You have reason to believe that your file at the agency contains inaccurate information due to fraud.
- 14. The FCRA allows consumers to obtian one free comprehensive disclosure of all of the information in their credit file from each of the three major national credit reporting companies (Experian, Equifax, and TransUnion) once every twelve (12) months through a central source. Georgia residents can receive two (2) disclosures per year. Although comprehensive, the credit reports from each of the three (3) national credit reporting companies that are available from IDPro247 may not have the same information as a credit report obtained directly from the three (3) national credit reporting companies or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com, or call 1-888-622-6643. IDPro247's Products are not related to the free FCRA disclosure that you are or may be entitled to. The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information from IDPro247 to dispute inaccurate or incomplete information in your credit file or to receive a copy of your consumer disclosure. The credit reports you are requesting from IDPro247 are not intended to constitute the disclosure of the credit reporting company's information required by the FCRA or similar state laws. The credit reporting company's disclosure report must be obtained directly from the credit reporting company by contacting the credit reporting company as show below:
- a. Equifax: 1-877-576-5734 www.equifax.com
- b. Experian: 1-888-397-3742 www.experian.com/fraud
- c. TransUnion: 1-800-680-7289 www.transunion.com
- 15. Sales Tax.
If you purchase any products available on the Web Site (Products), you may be responsible for paying any applicable sales tax indicated on the Web Site.
- 16. Fraud.
We reserve the right, but undertake no obligation, to actively report and prosecute actual and suspected credit card fraud. We may, in our discretion, require further authorization from you such as a telephone confirmation of your order and other information. We reserve the right to cancel, delay, refuse to ship, or recall from the shipper any order if fraud is suspected. We capture certain information during the order process, including time, date, IP address, and other information that will be used to locate and identify individuals committing fraud. If any Web Site order is suspected to be fraudulent, we reserve the right, but undertake no obligation, to submit all records, with or without a subpoena, to all law enforcement agencies and to the credit card company for fraud investigation. We reserve the right to cooperate with authorities to prosecute offenders to the fullest extent of the law.
- 17. Security.
We employ measures designed to ensure the security of the Web Site, but, as provided below, make no guarantees in this regard.
- 18. Intellectual Property Rights.
- a. Copyright.
All materials on the Web Site, including without limitation, the logos, design, text, graphics, other files, and the selection and arrangement thereof are either owned by us or are the property of our suppliers or licensors. You may not use such materials without permission. ALL RIGHTS RESERVED.
- b. Trademarks.
IDPro247 and IDPro247.com are trade names we own, and the related design marks, and other trademarks on the Web Site are owned by us. Page headers, custom graphics, button icons and scripts are trademarks or trade dress we own. You may not use any of these trademarks, trade dress, or trade names without our express written permission.
- a. Copyright.
- 19. Third-Party Services.
- 20. Linking and Framing.
You may not deep link to portions of the Web Site, or frame, inline link, or similarly display any of our property, including, without limitation, the Website. You may not use any of our logos or other trademarks as part of a link without express written permission.
- 21. Comments.
All comments, feedback, suggestions, ideas, and other submissions that you disclose, submit or offer to us in connection with your use of the Web Site (collectively, Comments) will become our exclusive property. Such disclosure, submission or offer of any Comments shall constitute an assignment to us of all worldwide right, title and interest in all patent, copyright, trademark, and all other intellectual property and other rights whatsoever in and to the Comments and a waiver of any claim based on moral rights, unfair competition, breach of implied contract, breach of confidentiality, and any other legal theory. You will, at our cost, execute any documents to effect, record, or perfect such assignment. Thus, we will own exclusively all such right, title and interest and shall not be limited in any way in the use, commercial or otherwise, of any Comments. You should not submit any Comments to us if you do not wish to assign such rights to us. We are and will be under no obligation: (i) to maintain any Comments in confidence; (ii) to pay to you or any third party any compensation for any Comments; or (iii) to respond to any Comments. You are and shall remain solely responsible for the content of any Comments you make.
- 22. Indemnification.
To the extent allowed by law, you agree to hold IDPro247 and our employees, representatives, agents, vendors, doctor networks and fulfillers, attorneys, affiliates, directors, officers, managers and shareholders (the Indemnified Parties) harmless from any damage, loss, cost or expense (including without limitation, attorney's fees and costs) incurred in connection with any third-party claim, demand or action (Claim) brought or asserted against any of the Indemnified Parties arising from, related to, or connected with your use of the Web Site and/or in association with any purchases you make from us. If you are obligated to provide indemnification pursuant to this provision, we may, in our sole and absolute discretion, control the disposition of any Claim at your sole cost and expense. Without limitation of the foregoing, you may not settle, compromise or in any other manner dispose of any Claim without our consent.
- 23. Prohibited Practices & Non-Disparagement.
You shall not use the Services or refer, or encourage others to refer, to them or IDPro247, its customers, owners, officers, directors, personnel, agents, representatives or affiliates in any manner that is illegal, fraudulent, threatening, abusive, defamatory, or obscene, or that could cause damage or adversely affect its customers, reputation, business, property, or Services in any manner. You shall not make or encourage others to make any statement or release any information that is intended to, or reasonably could be foreseen to, embarrass, criticize, damage or adversely affect us, our customers, owners, officers, directors, personnel, agents, representatives or affiliates. (A statement or release of any information under this paragraph includes, but is not limited to, posting on Internet websites, bulletin boards, blogs, or discussion groups, and submissions to any publication.) Due to the difficulty of ascertaining the pecuniary amount of damages caused by any violation of this section, for each violation of this section, you shall pay liquidated damages in an amount not less than ten times the initial and annual fees for all Services to which you have subscribed or will subscribe in the future. You agree that this is a reasonable estimate of harm to us.
- 24. Disclaimers, Exclusions and Limitations.
a. Disclaimer of warranties.
We provide the web site on an as is and as available basis. We do not represent or warrant that the web site, its use, and/or any information on it: (i) will be uninterrupted or secure, (ii) will be free of defects, inaccuracies or errors, (iii) will meet your requirements, or (iv) will operate in the configuration or with other hardware or software you use. We make no warranties other than those made expressly in this terms of service, and hereby disclaim any and all implied warranties, including without limitation, warranties of fitness for a particular purpose, merchantability and non-infringement.
- b. Services.
All services are subject only to any applicable warranties of their respective manufacturers, distributors, and suppliers, if any. To the fullest extent permissible by applicable law, we hereby disclaim all warranties of any kind, either express or implied, including without limitation, any implied warranties of merchantability, non-infringement, or fitness for a particular purpose. Without limiting the generality of the foregoing, we hereby expressly disclaim all liability for product defect or failure, claims that are due to normal wear, product misuse, abuse, product modification, improper product selection, non-compliance with any codes, or misappropriation.
- c. Exclusion of damages.
We will not be liable to you or any third party for any consequential, incidental, indirect, punitive or special damages (including, without limitation, damages relating to lost profits, lost data or loss of goodwill) arising out of, relating to or connected with the use of the web site or products, regardless of the cause of action on which they are based, even if advised of the possibility of such damages occurring.
- d. Limitation of liability. In no event will our aggregate liability arising from, relating to, or in connection with this terms of service (including, without limitation, claims relating to the web site, or the products) exceed the greater of $100 or the amount that you paid for the product(s).
- a. Disclaimer of warranties.
- 25. Domestic Use; Export Restriction.
We control the Web Site from our offices within the United States of America. We make no representation that the Web Site or its content (including, without limitation, any products or services available on or through the Web Site) are appropriate or available for use in other locations. Users who access the Web Site from outside the United States of America do so on their own initiative and must bear all responsibility for compliance with local laws, if applicable. Further, the United States export control laws prohibit the export of certain technical data and software to certain territories. No content from the Web Site may be downloaded in violation of United States law.
- 26. Force Majeure.
We will not be liable for failing to perform under this Terms of Service because of any event beyond our reasonable control, including, without limitation, a labor disturbance, an Internet outage or interruption of service, a communications outage, failure by a service provider to perform, fire, terrorism, natural disaster or war.
- 27. Arbitration.
- a. All disputes arising out of or relating to this Terms of Service (including its formation, performance or alleged breach), your use of the Web Site and/or any purchases you make from us will be exclusively resolved under confidential binding arbitration held in accordance with the Rules of the American Arbitration Association. The arbitrator's award will be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Terms of Service will be joined to an arbitration involving any other party subject to this Terms of Service, whether through class arbitration proceedings or otherwise. Notwithstanding the foregoing, we will have the right to seek injunctive or other equitable relief in state or federal court to enforce this Terms of Service or prevent an infringement of a third party's rights. In the event equitable relief is sought, each party hereby irrevocably submits to the personal jurisdiction of such court.
- b. The parties are each responsible for their own respective costs relating to counsel, experts, and witnesses, as well as any other costs relating to the Arbitration. The filing party will cover any arbitration administrative or filing fees.
- c. In the event that you wish not to be bound by the arbitration obligations of this Terms of Service, you may opt out of those obligations by notifying us in writing via certified mail within 30 days of the date that you first use the Web Site. Your notice must be mailed to 70 South Winooski Avenue, # 114, Burlington, VA 05401. State your name, address, and account number and provide a clear statement that you do not wish to resolve disputes with us through arbitration. If you choose to opt out of this arbitration provision, it will have no adverse effect on your relationship with us or the delivery of Services or Products to you by us.
- 28. Waiver of class action/trial by jury. By entering into this terms of service, you hereby irrevocably waive any right you may have to join claims with those of others in the form of a class action or similar procedural device. Any claims arising out of, relating to, or connected with this terms of service must be asserted individually. To the extent allowed by law, we each irrevocably waive any and all rights to trial by jury in any legal proceeding between the parties arising out of or related to this agreement or sellers services or products.
- 29. Limitation of Actions.
You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, relating to, or connected with your use of the Web Site, must be filed within one calendar year after such claim or cause of action arises, or forever be barred.
- 30. Changes to the Web Site.
We may, in our sole discretion, change, modify, suspend, make improvements to or discontinue any aspect of the Web Site, temporarily or permanently, at any time without notice to you, and we will not be liable for doing so.
- 31. Termination.
- a. We will have the right to terminate your access to the Web Site if we reasonably believe you have breached any of the terms and conditions of this Terms of Service . Following termination, you will not be permitted to use the Web Site and we may, in our discretion, cancel any outstanding Product Orders. If your access to the Web Site is terminated, we reserve the right to exercise whatever means we deem necessary to prevent unauthorized access to the Web Site, including, but not limited to, technological barriers, IP mapping, and direct contact with your Internet Service Provider. This Terms of Service will survive indefinitely unless and until we choose to terminate it, regardless of whether any account you open is terminated by you or us or if you have the right to access or use the Web Site.
- b. We may, without notice, suspend or terminate any Service at any time for any reason, including but not limited to: (a) your breach or suspected breach of this Agreement; (b) your use or suspected use of the Services and Products in any manner inconsistent with this Agreement or our policies; (c) you're providing false, inaccurate, dated or unverifiable identification information, credit information, or other data in connection with your purchase or use of the Services and Products; (d) your insolvency or bankruptcy; (e) your interference with seller's operations; or (f) if we believe the action protects its interests or its customers interests.
- 32. Integration.
This Terms of Service contains the entire understanding between you and us regarding the use of the Web Site, and supersedes all prior and contemporaneous agreements and understandings between you and us relating thereto.
- 33. Additional Terms.
This Terms of Service will be binding upon each party hereto and its successors and permitted assigns. This Terms of Service and all of your rights and obligations under them are not assignable or transferable by you without our prior written consent. No failure or delay by a party in exercising any right, power or privilege under this Terms of Service will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege under this Terms of Service . The invalidity or unenforceability of any provision of this Terms of Service will not affect the validity or enforceability of any other provision of this Terms of Service , all of which will remain in full force and effect.
We reserve the right to make changes to these terms of service at any time. Your continued use of the web site constitutes assent to any new or modified provision of this terms of service that may be posted on the web site. We will act in good faith to update you about changes to these terms of service either via email or by conspicuous posting on the web site.