FICO Customer Agreement By clicking the button, you agree to the terms and conditions of the FICO Customer Agreement, which applies to each Fair Isaac Corporation ("FICO" or "our" or "us" or "we") product and service ordered. Printable Version
1. Consent to Terms of Use and Privacy Policy. You acknowledge that you have received and are able to read (i) FICO's Website Terms of Use, and (ii) FICO's Privacy Policy. There are links to these documents below. You agree to be bound by the terms and conditions of both of these documents.
Website Terms of Use Privacy Policy
You understand and agree that by submitting your order for each product selected that includes the use of a credit report (and each additional credit reports in the case where multiple credit reports are required for a product), you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended, for us to obtain information from your personal credit profile from one or more credit bureaus, including Experian, Equifax, or TransUnion, and their affiliates or resellers, and to obtain information from the personal credit profile, if any, of any minor child whom you have enrolled in a product. You authorize us on your behalf (as your agent) to obtain your credit profile (and those of any minor children whom you have enrolled in a product) to verify your identity (or those of any minor children whom you have enrolled in a product) and to provide credit monitoring, credit reporting, credit scoring, credit score monitoring and tracking, identity monitoring, or other products order by you. You also authorize us (and our third party service providers) to access and use data you provide us and/or your credit profile (including your credit report(s) or credit score(s)) (and those of any minor children whom you have enrolled in a product) to perform other functions (e.g., product development and improvement, updates to user experience, customer analysis and recommendations) in connection with providing the product(s) that you have ordered or may order (including for providing you offers for products or services, including third-party products or services, based upon data you provide us and/or your credit profile including your credit report(s) or credit score(s)), including to verify your identity or any certification that you may be required to make. We will use your credit profile to provide you with the products you have requested from FICO. It is a violation of federal criminal laws to knowingly and willfully obtain information from a credit bureau under false pretenses. If you authorize us to enroll any of your minor children into identity monitoring services or any other product on your behalf (as your agent), then you certify that you are the parent or legal guardian of each minor child you enrolled.
You agree to receive future notices and updates with respect to the products you have requested from FICO, or updates to the Website Terms of Use and the Privacy Policy, via posting on this Website or, at our option, via email. You consent to our delivering the notices and updates by our making them available on this Website.
(i) Family Plan – Primary Account Holder. If you purchase a Family Plan product, you will be designated as the "Primary Account Holder" for the Family Plan product. The Primary Account Holder for a Family Plan can enroll in the Family Plan product up to ten (10) eligible minor children (i.e., a person under the age of eighteen (18) years old, for which the Primary Account Holder is the parent or legal guardian) (each a "minor"), and can invite for enrollment in the Family Plan product up to one (1) Secondary Account Holder that is eighteen (18) years of age or older (the "Secondary Account Holder"), as described below.
As the Primary Account Holder, you will not be able to view any information or membership details of the Secondary Account Holder other than their subscription status. The Primary Account Holder for a Family Plan product may unenroll any minor children enrolled in the product at any time. If the Primary Account Holder for the Family Plan unenrolls any minor children from the Family Plan product subscription, then the Primary Account Holder will continue to be enrolled in the Family Plan and billed at the current rate unless the Primary Account Holder cancels the Family Plan product subscription (as described in Section 5 below) or purchases a different FICO product subscription. Upon enrollment of a minor, the Secondary Account Holder will not receive any identity monitoring alerts, reports or any other information for that minor.
You may temporarily pause your subscription for the eligible monthly-billing subscription products above for a three (3), four (4), five (5), or six (6) month-period, as selected in your subscription pause request. Your subscription pause will start at the end of your product's current billing cycle for the eligible product for which you submit a pause request. You will not be charged for your paused subscription product while your subscription is paused.
During your pause period, all subscription product features will be paused, including, but not limited to, receipt of new credit reports, alerts, score changes, ID theft insurance, and other identity features. Â You may still continue to access your account and historical data that was available in your account prior to your pause period. YOU MAY CANCEL A PAUSED SUBSCRIPTION AT ANY TIME, SUBJECT TO THE CANCELLATION TERMS ABOVE. UNLESS YOU CANCEL YOUR SUBSCRIPTION PRIOR TO THE END OF YOUR SELECTED PAUSE PERIOD, YOUR SUBSCRIPTION WILL AUTOMATICALLY RESTART AT THE END OF YOUR SELECTED PAUSE PERIOD AND YOU WILL BE AUTOMATICALLY CHARGED FOR THE PRODUCT ACCORDING TO YOUR SUBSCRIPTION PRODUCT'S BILLING SCHEDULE AND AT THEN-CURRENT RATES.
If you receive quarterly credit reports as part of your subscription product, you may be eligible to receive a one-time bonus credit report after your subscription restarts. A bonus credit report will only be available if: 1) your subscription remains paused for a period of two (2) months or more; and 2) you are not otherwise scheduled to receive access to your normally scheduled quarterly credit report in the same subscription month that your subscription restarts. If you are eligible for a bonus credit report, the bonus credit report will be made available to you only after your subscription is restarted and your monthly subscription fee is paid for the month your subscription restarts.
Prices indicated on the Site are exclusive of state and local sales and use taxes. You are responsible for any such state and local sales and use taxes, and any other taxes and government levies, if any, associated with your order. If state and local sales and use taxes are due, these amounts will be added to the sale price and your payment will be inclusive of those amounts. Prices are subject to change at any time but will not affect orders for products made or product renewals prior to the date of the change.
You agree that the products you have requested are for your information only and are not a substitute for professional advice. You should not rely on FICO products as the only factor or source of information in making any credit or investment decision, or relating to possible identity theft or fraud. Also, you should use information delivered to you as part of FICO products, or information found on the Site, for the sole purposes of assisting you in monitoring and understanding your credit history and changes in your credit history, and assisting you in taking steps to correct errors in your credit report.
FICO is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. FICO does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Neither Fair Isaac nor the products provide or perform any service to you for the express or implied purpose of improving your credit record, your credit history or your credit rating or provide assistance or advice to you with regard to "rebuilding" or "improving" your credit score, your credit record, your credit history or your credit rating. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE NOT SEEKING TO ACCESS THE SITE OR PURCHASE, USE OR RECEIVE ANY PRODUCT FOR THE EXPRESS OR IMPLIED PURPOSE OF REBUILDING OR IMPROVING YOUR CREDIT RECORD, YOUR CREDIT HISTORY OR YOUR CREDIT RATING OR TO PURCHASE, USE OR RECEIVE ANY ASSISTANCE OR ADVICE WITH REGARD TO IMPROVING OR REBUILDING YOUR CREDIT SCORE, YOUR CREDIT RECORD, YOUR CREDIT HISTORY OR YOUR CREDIT RATING.
You agree to treat your Login ID and password you receive from us when you become a customer of FICO as confidential and not to share them with other persons or display them so that others have access to them. We are not responsible if third parties access any products on the Site by using your Login ID or password. You agree to promptly notify us if you believe someone else has obtained access to your Login ID or password. You agree that the terms of this agreement, and any dispute, claim, proceeding, findings, decision, settlement, or information relating in any way thereto shall be treated FICO's confidential information and shall not be disclosed.
The products and services on the Site are not intended for use by minors. You represent you are at least eighteen (18) years old.
FICO BELIEVES THAT THE FICO PRODUCTS AND SERVICES PROVIDED TO YOU WILL BE USEFUL FOR THE PURPOSES FOR WHICH THEY ARE INTENDED. HOWEVER, THESE PRODUCTS AND SERVICES ARE PROVIDED "AS-IS", AND NEITHER FICO NOR ANY PROVIDER MAKES ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, AND ALL SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED. PRODUCTS AND SERVICES ARE NOT ERROR FREE. PURCHASING ANY PARTICULAR PRODUCT OR SERVICE DOES NOT GUARANTEE ANY PARTICULAR RESULT, INCLUDING, WITH RESPECT TO PRODUCTS OR SERVICES DESIGNED TO MONITOR CREDIT OR IDENTITY THEFT, THAT YOU HAVE NOT ALREADY BEEN OR THAT YOU WILL NOT IN THE FUTURE BE A VICTIM OF CREDIT OR IDENTITY THEFT OR THAT ANY PRODUCT OR SERVICE WILL ALLOW YOU TO DISCOVER ANY PARTICULAR CREDIT OR IDENTITY THEFT INCIDENT
YOU UNDERSTAND AND AGREE THAT FICO (INCLUDING, FOR PURPOSES OF THIS SECTION, ITS OFFICERS, DIRECTORS, AND EMPLOYEES), ITS SERVICES PROVIDERS, AND THIRD PARTIES WHO MAY HAVE PROVIDED YOU WITH A LINK TO THE SITE ARE NOT LIABLE TO YOU UNDER ANY CIRCUMSTANCES FOR DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, RESULTING FROM OR IN ANY WAY ARISING UNDER OR RELATED TO THIS AGREEMENT OR TO YOUR ACCESS TO, USE, OR INABILITY TO USE ANY PRODUCTS, ANY SERVICES OR THE SITE, INCLUDING, WITHOUT LIMITATION, IDENTITY THEFT, BREACH OR LOSS OF PRIVACY LOST PROFITS, LOSS OF USE, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, OR FAILURE TO ACHIEVE ANY PARTICULAR RESULT, UNDER ANY THEORY OF RECOVERY, WHETHER IN AN ACTION BASED ON CONTRACT, NEGLIGENCE, OTHER TORT, OR STRICT LIABILITY, EVEN IF FICO IS EXPRESSLY ADVISED OF THE POSSIBILITY OF THOSE TYPES OF DAMAGES. SUCH PROVIDERS AND THIRD PARTIES ARE EXPRESSLY MADE THIRD PARTY BENEFICIARIES OF THIS CUSTOMER AGREEMENT.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF WARRANTIES OR DAMAGES IN CERTAIN TYPES OF AGREEMENTS, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. IN THAT CASE, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL APPLY TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW, AND, IF LIABILITY IS IMPOSED UPON FICO, YOU AGREE THAT FICO'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS, RESULTING FROM OR IN ANY WAY ARISING UNDER OR RELATED TO THIS AGREEMENT OR TO YOUR ACCESS TO, USE, OR INABILITY TO USE ANY PRODUCTS, ANY SERVICES OR THE SITE, INCLUDING, WITHOUT LIMITATION, IDENTITY THEFT, BREACH OR LOSS OF PRIVACY LOST PROFITS, LOSS OF USE, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, OR FAILURE TO ACHIEVE ANY PARTICULAR RESULT, UNDER ANY THEORY OF RECOVERY, WHETHER IN AN ACTION BASED ON CONTRACT, NEGLIGENCE, OTHER TORT, OR STRICT LIABILITY, EVEN IF FICO IS EXPRESSLY ADVISED OF THE POSSIBILITY OF THOSE TYPES OF DAMAGES, WILL BE LIMITED TO THE AMOUNT YOU PAID FOR THE PRODUCTS TO WHICH THE CLAIM(S) RELATE(S).
The Site is controlled and operated by FICO in the State of Minnesota and this Agreement, and any dispute or claim arising out of or relating in any way to this Agreement, the Site, or the products you order (and any findings, decision, settlement, or information relating in any way thereto) will be governed by, construed, and enforced, solely in accordance with the laws of the State of Minnesota, except to the extent inconsistent with or preempted by federal law.
You agree that, even if a statute of limitations or other law provides for a longer time period, any action against FICO, its officers, directors, employees, agents, licensors, suppliers and any third party providers of information, products, or services relating to the Site or any information, products, or services available on or from the Site must be brought within 12 months after the event that gave rise to the cause of action or it is forever barred.
YOU AGREE THAT ANY DISPUTE OR CLAIM ARISING OUT OF OR RELATING IN ANY WAY TO THIS AGREEMENT, OR THE SITE OR THE PRODUCTS YOU ORDER, IN EACH CASE, MUST BE RESOLVED EXCLUSIVELY BY BINDING ARBITRATION IN ACCORDANCE WITH THE TERMS AND PROCEDURES SET FORTH IN BELOW. ANY DISPUTE OR CLAIM, AND ANY PROCEEDING, FINDING, DECISION, SETTLEMENT, OR ANY INFORMATION RELATING IN ANY WAY TO THE FOREGOING SHALL BE TREATED AS CONFIDENTIAL INFORMATION AND SHALL NOT BE DISCLOSED.
We will try work in good faith to resolve any issue you have with our products or the Site if you bring that issue to the attention of our customer service department. However, we realize that there may be rare cases where we may not be able to resolve an issue to a customer's satisfaction. You and we agree that, except as provided below, any dispute or claim arising out of or relating in any way to your use of the Site must be resolved exclusively by binding arbitration. The only exception would be if you have violated or threatened to violate the intellectual property rights of FICO or any third party, in which case FICO or that third party may go to court to seek an injunction or other appropriate relief. The arbitration will be conducted before a single arbitrator in accordance with the rules of the American Arbitration Association ("AAA"), including the AAA's Consumer Arbitration Rules (if applicable), available on the AAA's web site at www.adr.org or please contact AAA at 800-778-7879 for additional information.
Arbitration under this agreement must take place on an individual basis. No claims of any other parties may be joined or otherwise combined in the arbitration proceeding. In other words, YOU AGREE THAT YOU WILL NOT BE ALLOWED TO FILE A CLASS ACTION OR ANY KIND OF CLASS OR JOINT ARBITRATION. If a court decides that applicable law precludes enforcement of any of this paragraph's limitations as to a particular cause of action or request for relief, then that cause of action or request for relief (and only that cause of action or request for relief) must remain in court and be severed from any arbitration. The parties do not consent to, and the arbitrator shall not have authority to conduct, any class action arbitration, private attorney general arbitration, or arbitration involving joint or consolidated claims, under any circumstance.
If you intend to seek arbitration you must first send, by certified mail, a written notice of dispute to us at the following address: Fair Isaac Corporation, 12790 El Camino Real, Suite 300, San Diego, CA 92130. The notice must describe the nature and basis of the claim or dispute and set forth the specific relief you seek from us. If an agreement to resolve the claim is not reached within 30 days after the notice is received, you may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made shall not be disclosed.
After we receive notice that you have commenced arbitration, we will promptly reimburse you for your payment of the filing fee. If you are unable to pay this fee upfront, we will pay the filing fee directly upon receiving your written request. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, at an in-person hearing, or at a hearing conducted via telephone as established by the AAA Rules. Any hearings for a claim that exceeds $10,000 will be determined by the AAA Rules. Except as otherwise provided for herein, we will pay all AAA filing, administration and arbitrator fees for any arbitration initiated in accordance with the above arbitration notice requirements. However, if the arbitrator finds that the substance of your claim or the relief sought by you was frivolous or was brought for an improper purpose, then payment of such fees will be determined by the AAA Rules, and you agree to pay all amounts that you are obligated to pay under the AAA Rules or reimburse us for all amounts previously disbursed by us in satisfaction of such obligations. The arbitrator may rule on and resolve disputes as to the payment and reimbursement of fees and expenses (including reasonable attorneys' fees) at any time during the arbitration proceeding, pursuant to the AAA Rules and applicable law. Subject to the terms of this Agreement, the arbitrator is authorized to award either party any money damages or any provisional or equitable remedy permitted by applicable law.
The award of the arbitrators may be enforced by the prevailing party in any court having jurisdiction. Each party consents to the non-exclusive jurisdiction of the courts of the State of Minnesota or to any Federal Court located within the State of Minnesota for any action (i) to compel arbitration, (ii) to enforce any award of the arbitrators, or (iii) at any time prior to the qualification and appointment of the arbitrator, for temporary, interim, or provisional equitable remedies.
If portions of these arbitration terms are held to be invalid or otherwise unenforceable for any reason, the offending terms will be severed from this Agreement and the remainder of these arbitration terms will be enforced. If these arbitration terms, as a whole, are held to be invalid or unenforceable as to some or all of a party's claims, the parties agree that exclusive jurisdiction and venue for any claims will be in state or federal courts in Minneapolis, Minnesota.
You agree that, even if a statute of limitations or other law provides for a longer time period, any action against FICO, its officers, directors, employees, agents, licensors, suppliers and any third party providers of information, products, or services relating to the Site or any information, products, or services available on or from the Site must be brought within 12 months after the event that gave rise to the cause of action or it is forever barred.
BECAUSE YOUR USE OF THE SITE AND ANY PRODUCT YOU ORDER REQUIRES THAT YOU CONSENT TO ARBITRATION OF YOUR CLAIMS OR DISPUTES, YOU WILL NOT HAVE THE RIGHT TO PURSUE YOUR CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT EITHER PARTY WOULD HAVE IF THAT PARTY WENT TO COURT, INCLUDING WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. IF ANY COURT WERE TO FIND PORTIONS OF THESE ARBITRATION TERMS INVALID OR OTHERWISE UNENFORCEABLE FOR ANY REASON, THEN YOU AGREE THE OFFENDING TERMS WILL BE SEVERED FROM THIS AGREEMENT AND THE REMAINDER OF THESE ARBITRATION TERMS WILL BE ENFORCED. IF THESE ARBITRATION TERMS, AS A WHOLE, ARE HELD TO BE INVALID OR UNENFORCEABLE AS TO SOME OR ALL OF A PARTY'S CLAIMS, YOU AGREE TO PURSUE YOUR CLAIM EXCLUSIVELY IN A STATE OR FEDERAL COURT IN MINNEAPOLIS, MINNESOTA, AND AGREE THAT A JUDGE RATHER THAN A JURY IS TO ADJUDICATE YOUR CLAIM.
This arbitration provision shall survive termination or expiration of this Agreement.
If the product you order from us includes any insurance coverage, such as an Identity Theft Insurance policy, that insurance coverage will be described during the order process and in Attachment C hereto. Any such insurance coverage is underwritten by an insurer and provided under a Master Policy issued by the insurer to FICO. The terms and conditions of that Master Policy supersede any contrary provisions in this Customer Agreement. You understand and agree that the insurer is solely responsible for providing and administering the insurance coverage, and that, as between you and FICO, FICO's only responsibilities with respect to the insurance coverage are to notify the insurer of your subscription to the product. Please carefully read the Identity Theft Insurance Terms and Conditions in Attachment C hereto to be sure you understand the insurance coverage and all applicable limitations and restrictions.
As part of your credit or identity monitoring or other subscription product you may have previously elected to receive SMS text alerts to alert you to identified changes to your credit report or financial or identity profile based on your settings. If you made the election to receive SMS text alerts, you acknowledge and agree that we may continue to send you alerts and other notifications through the telephone number you provided to us until you notify us that you no longer wish to receive such alerts. At any time, you can opt out of receiving future SMS text alerts by texting STOP to 89164. If you elected to receive SMS text alerts, you also agree as follows:
As of the effective date of this Agreement, you have no right to make an election to receive SMS text alerts as part of your credit or identity monitoring or other subscription product. If you have previously elected to receive SMS text alerts to alert you to identified changes to your credit report or financial or identity profile based on your settings as part of your credit or identity monitoring or other subscription product prior to the effective date of this Agreement, you may continue to receive such alerts as part of such product, as provided in this section above, unless such alert functionality is no longer made available for such product and you are notified of an update to such product under Section 3 above.
All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. See Attachment A of for more information.
Not all credit report data is monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. See Attachment B of for more information.
This Customer Agreement, together with (i) the Website Terms of Use, (ii) the Privacy Policy, and (iii) the ADDITIONAL EXPERIAN CONSUMERS DISCLOSURES, constitute the entire agreement between you and FICO with respect to the products you obtain. Please review these documents each time you log in to use the Site or your products as FICO reserves the right to make changes to the documents from time to time.
For important information regarding your rights under the Fair Credit Reporting Act, click here.
ADDITIONAL CONSUMER DISCLOSURESIMPORTANT INFORMATION:
FICO® Score 8 is the version of the base FICO® Score model most widely used by lenders. In addition to base FICO Scores, there are also industry-specific FICO Scores such as the FICO Auto Score and the FICO Bankcard Score. The FICO Scores made available on myFICO.com are calculated from versions of the base and industry-specific FICO Score models. Your lender or insurer may use a different FICO Score than the version you receive from myFICO, or another type of credit score altogether.
Base FICO® Scores range from 300 to 850. Industry-specific FICO Scores range from 250-900. A higher FICO Score represents a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO Score indicates to lenders that you may be a higher credit risk. There are three different major consumer reporting agencies — Experian®, TransUnion® and Equifax® — that maintain a record of your credit history known as your credit file. Your FICO Scores are based on the information in your credit file at the time they are requested. Your credit file information can change over time and can vary from agency to agency. As a result, your FICO Scores can vary depending on when they are calculated and at which agencies they are calculated.
The statements that FICO® Scores are "used by 90% of top lenders" is based on a study of third-party data sources of all versions of all FICO Scores sold to lenders, including but not limited to FICO Scores calculated from the FICO Score 8 model.
FICO Score versions currently available on myFICO.com:
| Experian | Equifax | TransUnion |
|---|---|---|
| Most widely used version | ||
| FICO® Score 8 | FICO® Score 8 | FICO® Score 8 |
| Versions used in auto lending | ||
| FICO® Auto Score 9 FICO® Auto Score 8 FICO® Auto Score 2 |
FICO® Auto Score 9 FICO® Auto Score 8 FICO® Auto Score 5 |
FICO® Auto Score 9 FICO® Auto Score 8 FICO® Auto Score 4 |
| Versions used in credit card decisioning | ||
| FICO® Bankcard Score 9 FICO® Bankcard Score 8 FICO® Bankcard Score 2 FICO® Score 9 FICO® Score 3 |
FICO® Bankcard Score 9 FICO® Bankcard Score 8 FICO® Bankcard Score 5 FICO® Score 9 |
FICO® Bankcard Score 9 FICO® Bankcard Score 8 FICO® Bankcard Score 4 FICO® Score 9 |
| Versions used in mortgage lending | ||
| FICO® Score 2 | FICO® Score 5 | FICO® Score 4 |
| Newly released version | ||
| FICO® Score 10 FICO® Score 10 T FICO® Auto Score 10 FICO® Bankcard Score 10 |
FICO® Score 10 FICO® Score 10 T FICO® Auto Score 10 FICO® Bankcard Score 10 |
FICO® Score 10 FICO® Score 10 T FICO® Auto Score 10 FICO® Bankcard Score 10 |
Monitored credit report data categories by credit bureau are listed below (not all data is reported or monitored).
Experian:
Equifax:
TransUnion:
The categories of monitored credit report data are listed above. Not all data related to these categories or your credit report is reported or monitored. Credit report data change alerts are available only for monitored credit report data, and may only be available if your credit report contains the minimum information required to calculate FICO® Scores. Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing, and frequencies vary by credit bureau (Experian, Equifax, and Transunion). Monitored credit report data is monitored once per day, and a credit report data change alert is provided for a detected change in monitored credit report data (excluding Sunday for Trans Union). myFICO does not control credit report data, which is reported by lenders and other companies to credit bureaus. There may be delay between the time of enrollment and the time credit report monitoring or a credit report data change alert is available, between an occurrence of a credit event (such as a balance change, account opening or change, collection activity, or newly listed public record) and the time credit report data is reported, and between the time credit report data is reported and detection of a change to monitored credit report data. Credit monitoring and alerts in certain locations, including locations outside of the United States, the District of Columbia and US Territories, may be limited or not available at all.
A FICO® Score 8 is available, and may include additional FICO® Score versions, for each credit bureau selected at the time you obtain a new credit report. In addition, an updated FICO® Score 8 is available at the time you receive a credit report data change alert for monitored credit report data (as described above), and at the time you receive a FICO® Score change alert (Trans Union or Equifax only). Updated FICO® Scores and FICO® Score alerts are only available if your credit report contains the minimum information required to calculate FICO® Scores. FICO® Score updates, monitoring, alerts, and alert triggers, timing, and frequencies vary by credit bureau. There may be delay between the time of enrollment and the time an updated FICO® Score, monitoring, or a FICO® Score alert is available. For Trans Union, FICO® Score 8 changes are monitored once per day, and a score change alert is provided for a detected FICO® Score 8 change only at the time you receive a credit report data change alert for monitored Trans Union credit report data (excluding Sunday). For Equifax, FICO® Score 8 changes are monitored once per day, and a score change alert is provided for a detected FICO® Score 8 change. No other FICO® Score monitoring is available. FICO® Score alerts are only available for FICO® Score 8. FICO® Score updates, monitoring and alerts in certain locations, including locations outside of the United States, the District of Columbia and US Territories, may be limited or not available at all.
You can elect to receive the alerts above via email or push notification. Standard messaging and data rates apply. Other terms and restrictions may apply.
This Summary of Benefits is provided to inform you that as a member of a Participating Identity Protection Membership Program, that includes identity theft insurance wherein you are entitled to benefits under the Policy as issued to ConsumerInfo.com or CSIdentity Corporation and described in this Summary of Benefits. Various provisions in this Summary of Benefits and in the Policy restrict coverage. Read the entire Summary of Benefits carefully to determine rights, duties and what is and is not covered.
This Summary of Benefits does not state all the terms, conditions, exclusions and definitions within the Policy. Your benefits will be subject to all the terms, conditions, exclusions and definitions of the Policy as issued to ConsumerInfo.com, CSIdentity Corporation or as a Participating Identity Protection Program provider extended coverage under the Policy. A complete copy of the Policy will be available upon request. If the Policy is terminated, your benefits under the Policy will cease effective that date. It is the obligation of your Participating Identity Protection Membership Program provider to inform you of any termination of the Policy. The Identity Fraud Expense Reimbursement benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under a group or blanket policy issued to ConsumerInfo.com, Inc. or CSIdentity Corporation, both Experian companies and also known collectively as Experian Consumer Services (hereinafter, "Experian"), or its respective affiliates for the benefit of its Members. To obtain a complete copy of the Policy contact the customer assistance center contained in your membership materials. American Bankers Insurance Company of Florida administers all claims and is solely responsible to Members with respect to the Identity Fraud Expense Reimbursement benefit.
All references to We, Us, and Our throughout this Summary of Benefit means American Bankers Insurance Company of Florida.
| Coverage | Limit of Liability |
| Expense Reimbursement | Please see your participating identity protection membership program fulfillment materials for your coverage limit per 12 Month Period |
| Cash Recovery (Cash Recovery only applicable if included in the participating identity protection membership program) | Please see your participating identity protection membership program fulfillment material for your Cash Recovery limit. Cash Recovery is not included in all identity theft plans. |
Upon knowledge or discovery of loss or of an occurrence which may give rise to a claim under the terms of this coverage, the policyholder is responsible for notifying the member of the following requirements:
We will reimburse the member for expenses and legal costs incurred by the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of their participating identity protection membership program fulfillment materials from the direct result of the following:
We will reimburse the member, up to the Limit of Liability as shown on the Limits of Insurance section of the member's identity protection membership program fulfillment materials when this benefit has been included, a Cash Recovery benefit limited to payment for one (1) occurrence within any twelve (12) consecutive months of the term of the membership, for recovery of traditional credit cards, pre-paid credit cards and debit card deductibles or in the event of an unauthorized electronic fund transfer, reimbursement for unrecoverable funds, exclusive of interest, directly drawn from or removed through an unauthorized electronic fund transfer from the member's mobile device (smart phone) or other financial account due to an act of fraud, embezzlement, theft, forgery or other data breach which have not been recovered.
Cash Recovery does not cover unrecoverable funds for which the member did not seek reimbursement from the financial institution, or other provider which issued the access device and holds the account from which funds were stolen, and for which the member has not received reimbursement from any other source.
The member will only be covered from an unauthorized removal of funds or an unauthorized electronic fund transfer if the loss first occurs on or after the effective date of the Policy under which this coverage is provided, while the member is an active and paid member of the policyholder, and the loss is reported to us within ninety (90) days of discovery.
The member is not covered if the unauthorized removal of funds or unauthorized electronic fund transfer first occurs after the termination of the Policy under which this coverage is provided, or the member is not an active member of the participating identity protection membership program.
For Family Plans, the Cash Recovery benefit is limited to payment for one (1) occurrence within twelve (12) consecutive months, not to exceed the Limit of Liability as shown on the Limits of Insurance section of the member's participating identity protection membership program fulfillment materials, when this benefit has been included.
The Cash Recovery benefit when included in member's identity protection membership program is part of, and not in addition to the Expense Reimbursement Limit of Liability. We will pay up to the Limit of Liability as shown on the Cash Recovery Limits of Insurance section of member's participating identity protection membership program.
For Cash Recovery, account means a cash, credit card, demand deposit (checking), savings, or money market account of the member, held directly or indirectly by a financial institution and established primary for personal, family or household purposes.
Expense Reimbursement and the Cash Recovery do not cover:
Access Device means a card (including credit, debit and ATM cards), code, PIN, password, personal check or other similar means of access to the member's account at a financial institution that may be used by the member to gain access to said account for the purpose of withdrawing or transferring funds, making purchases, or making long distance or cellular/digital (wireless) telephone calls.
Data Breach means the misuse of the member's information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor, a securities firm, employer or other institution/company maintaining the member's personal information, that results in monies stolen from the member's accounts or misuse of data to obtain credit or monies using the member's information.
Date of Discovery occurs when the member first becomes aware of facts which would cause a reasonable person to assume that a loss covered by this insurance has been or will be incurred, even though the exact amount or details of loss may not then be known. Discovery also occurs when the member receives notice of an actual or potential claim against the member involving loss covered under this insurance.
Domestic Partner means a person designated in writing by the primary member who is registered as a domestic partner or legal equivalent under laws of the governing jurisdiction or who:
Expenses mean:
Family Member means the primary member's spouse or domestic partner, parent, siblings, children and/or any other member of, or dependent persons residing in the primary member's household. Family member also includes a primary member's spouse or domestic partner's:
Any family member who does not reside at the primary member's home is not eligible for coverage, except unmarried children (including those who the member is a legal guardian) under twenty-six (26) years of age if a full-time student at an accredited college or university.
Family Plan means a membership program that: extends coverage, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of your participating identity protection membership program, to the primary member and their family members and for which the Family Plan membership fee/product fee is paid.
The Aggregate Limit of Liability shown on the Limits of Insurance section of your participating identity protection membership program will be the maximum amount we will pay for all covered losses per Family Plan regardless of the number of losses that occur for any one member per twelve (12) month period.
Forgery means the signing of the name of another person or organization with intent to deceive. It does not mean a signature, which consists in whole or in part of one's own name signed, in any capacity, for any purpose.
Fraud or Embezzlement includes electronic, telegraphic cable, teletype tele facsimile, telephone or written instructions which: purports to have been transmitted or written by the member, but which was in fact fraudulently transmitted or altered by someone else without member's knowledge or consent; or received by the member which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without member's or employee's knowledge or consent.
Identity Fraud means the act of knowingly transferring or using, without lawful authority, a means of identification of the member with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal, State or local law.
Legal Costs means costs, up to a maximum of $125 per hour, for reasonable fees for an attorney fees for an attorney selected by the member and related court fees, incurred by the member with our consent, for:
Loss means the expenses and legal costs incurred by the member as the direct result of a covered transaction.
Member means the primary member and primary member's family member if the primary member is enrolled in or elects a Family Plan membership program.
Occurrence means an incident of an actual or attempted fraudulent, dishonest or criminal act or series of related acts, whether committed by one or more persons.
Occurrence Date means the earliest possible date of discovery.
Participating Identity Protection Membership Program means an identity protection membership program for which coverage has been extended to under a group or blanket policy issued to ConsumerInfo.com, Inc. or CSIdentity Corporation, both Experian companies and also known collectively as Experian Consumer Services (hereinafter, "Experian"), or its respective affiliates, and for which coverage has been paid by Experian.
Policyholder means ConsumerInfo.com, Inc. or CSIdentity Corporation, both Experian companies and also known collectively as Experian Consumer Services (hereinafter, "Experian"), or its respective affiliates.
Primary Member means a customer who is enrolled in a Participating identity protection membership program that includes identity theft insurance who is in good standing:
Proof of Loss means receipts for reasonable out of pocket expenses.
Spouse means a person who is either:
Stolen Identity Event means the unauthorized, or illegal use of the member's name, social security number, or other method of identifying the member.
Unauthorized Electronic Fund Transfer (UEFT) means an electronic fund transfer from the member's account, initiated by a person other than the member without the actual authority to initiate such transfer and from which the member receives no benefit.
An unauthorized electronic fund transfer does not include an electronic fund transfer initiated:
1. Limits of Insurance - Our maximum limit of liability for loss under these Terms and Conditions shall not exceed the applicable limit stated on your participating identity protection membership program.
All loss incidental to an actual or attempted fraudulent, dishonest or criminal act or series of related acts, whether committed by one or more persons, shall be deemed to arise out of one occurrence.
Our total aggregate limit of liability shown on your participating identity protection membership program, or the Policy if in conflict, will be the maximum amount we will pay for all covered losses per primary member or family plan membership, regardless of the number of losses that occur for any one member per twelve (12) month period.
We will pay any loss covered under the Policy under which this coverage is provided, within thirty (30) days after:
We will pay all covered claims within ninety (90) days from the date we receive acceptable proof of loss at our office.
5. Transfer of Rights of Recovery Against Others to Us - If any person or organization to or for whom we make payment under this insurance has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing to impair them.
Recovery against persons or organizations also insured under this Policy or any other Policy issued by us with respect to the same loss is prohibited.
6. Other Insurance - This insurance is excess in the event coverage is provided under any other policy/certificate.
Should member be enrolled in more than one membership program insured by us, we will reimburse the member under each membership: