GGA provides the services listed below ("the Products"), which are part of GGA's Identity Protection Program ("IDP"). The IDP Products are accessible through the GGA Identity Protection Portal ("IPP") and the Products may only be used by you in accordance with these Terms and Conditions (the "Terms").
There are different IDP programs. Please refer to the plan details in your Account Details page to be aware of the Products that are included in your IDP.
These Terms set forth the terms and conditions applicable to your use of the IDP Products as a Member, meaning that by enrolling in the IDP Program or by using any of the IDP Products (a) you as the Primary Member and each participating Member in your family agree to the Terms on behalf of yourself and all other Members and (b) all other Members agree to the Terms. By accessing the IPP, enrolling or attempting to enroll in the IDP, or using the Products you and all participating family Members acknowledge and agree that these Terms are a legally binding contract between you and GGA. Any Member who does not agree to the Terms is not authorized to use the Products.
By enrolling in the IDP Program and/or by using any of the IDP Products (a) you as the Primary Member on behalf of yourself and all other Members, and (b) each Member using any of the IDP Products represent and warrant that the information provided to the IDP is true and correct to the best of your or such Member's knowledge and belief.
"Primary Member" means an individual person who has purchased IDP and is duly enrolled in compliance with the terms of enrollment. A Primary Member must be at least 18 years of age to purchase IDP and a citizen or legal resident of the United States of America.
"Member" and "you" means a Primary Member, a Spouse/Domestic partner and any Dependent Children who are in compliance with the terms of enrollment in the IDP. A Member must be a citizen or a legal resident of the United States of America.
"Dependent Children" means unmarried children from the moment of birth, including natural children, stepchildren, and adopted children primarily dependent upon the Primary Member for maintenance and support, and who are under age 19 or age 25 if enrolled as a full-time student, or unmarried children regardless of age who are incapable of self-support because of a mental or physical disability. When a Dependent Children reaches age 25, he or she will no longer be eligible for services.
"Spouse" means a person who is married to the Primary Member.
"Domestic Partner" means the mentally-competent partner of a Primary Member, either of the same or the opposite sex who is at least 18 years of age and has met all of the following requirements for at least 6 months:
i) Resides with the Primary Member; and
ii) Shares financial assets and obligations with the Primary Member.
We may require proof of the Domestic Partner relationship in the form of a signed and completed affidavit of domestic partnership.
"Purchase Date" and "Effective Date" means the date when the Primary Member purchases the IDP.
"Renewal Date" means each annual anniversary of the Purchase Date.
An "Individual Plan" includes the Primary Member only.
A "Couple Plan" includes the Primary Member and the Spouse or Domestic Partner. For more detailed information regarding Couple Plans, see Section L below.
A "Family Plan" includes the Primary Member, the Spouse or Domestic Partner and up to (6) six Dependent Children. For more detailed information regarding Family Plans, see Section L below.
PREVENTION AND DETECTION PRODUCT SERVICES
GGA's U.S. based Identity Theft resolution specialists and online resources are available 24/7 to educate you about how identity theft occurs as well as providing tips to help keep your identity safe.
GGA will assist you in opting out of pre-approved direct mail credit card offers and marketing phone calls.
Identity Theft Protection Kit:
GGA will provide you with an identity theft protection kit that explains many forms of identity theft and provides prevention advice and resolution resources. The kit also contains a Federal Trade Commission sample affidavit form as well as sample letter templates for filing disputes in cases of identity theft or fraud.
GGA will provide online resources and phone assistance via GGA's Identity Theft Resolution center to educate you on how identity theft occurs as well as protective measures anyone can take to limit their risk.
Online Identity Monitoring Dashboard (requires activation):
If your Program includes this service, we will provide an online monitoring dashboard to monitor your identity risk level, track your credit profile, access identity theft protection tips and respond to alerts from our online platform.
Monthly risk alert/newsletter:
GGA will send you communications to keep you abreast of identity-related threats that are commonly faced by consumers in today's world as well as the services & protections you could utilize through your identity theft protection program.
Credit Monitoring, Report and Score (requires activation):
If your Program includes this service, GGA will provide you with access to your credit report and credit score and will monitor your credit file for changes that could indicate fraud such as new credit inquiries, an address change, or new credit account(s) opened in your name. Some IDP programs include access to 1 or 3 Bureau Credit Monitoring, Reports, and Scores with alerts throughout the term of the IDP.
Credit Monitoring Services:
Credit Monitoring—1 Bureau (requires activation):
If your Program includes this service, our credit monitoring services track your credit report at TransUnion® and alert you of any changes that could indicate fraud (e.g., new credit inquiries, an address change, or a new credit account opened in our name). GGA will send alert notification emails anytime potentially unauthorized inquiries or suspicious activities on your credit file are detected so you can take immediate action to minimize damage. You will be able to view alert details, close out any legitimate activity, or flat reports that need immediate attention. If you cannot successfully enroll in Credit Monitoring, you will be notified via email.
Credit Monitoring—3 Bureau (requires activation):
If your Program includes this service, our credit monitoring services track your credit report at the three major credit bureaus, Transunion®, Experian®, and Equifax®, and alert you of any changes that could indicate fraud (e.g., new credit inquiries, an address change, or a new credit account opened in your name). GGA will send alert notification emails anytime potentially unauthorized inquiries or suspicious activities on your credit file are detected so you can take immediate action to minimize damage. You will be able to view alert details, close out any legitimate activity, or flag reports that need immediate attention.
Credit Report and Score—1 Bureau (requires activation):
If your Program includes this service, you will receive 24/7 online access to your credit report and credit score at Transunion® to view the factors that affect your credit score and ensure that your credit history is accurate.
Credit Report and Score—3 Bureau (requires activation):
If your Program includes this service, you will receive 24/7 online access to your credit report and credit score from all three major credit bureaus to view the factors that affect your credit score and ensure that your credit history is accurate.
Monthly Credit Report and Score Refresh (requires activation):
If your Program includes this service, we will keep regular tabs on updates to your credit score with our monthly credit report and score refresh (available on the first of every month).
Credit Monitoring Alerts:
If your Program includes this service, you will receive an alert if any changes to your credit profile are detected, such as:
New credit inquiries
An address change
New credit account opened in your name
Notifications are sent via email so you can take immediate action to minimize damage should the activity be unauthorized. This service allows you to view alert details, close out any legitimate activity, or flag reports that need immediate attention.
Credit Monitoring Services Conditions:
If included in your IDP, Credit Monitoring is available to the Primary Member only under the Individual Plan and to the Primary Member and a Spouse or Domestic Partner under the Couple and Family Plans, and you must be at least 18 years of age. Credit Monitoring services are not available to Dependent Children under the IDP program.
Consent to Obtain Credit Information:
By enrolling in the Credit Monitoring service, you certify that the information you have provided in connection with your account is true an accurate. You agree that, by enrolling in Credit Monitoring, and each time you access your credit report or score, you are providing "written instructions" as set forth in the Fair Credit Reporting Act for Transunion® to obtain your consumer credit report and score from a consumer reporting agency including but not limited to Experian®, Transunion®, and/or Equifax®. You also agree that, by enrolling in Credit Monitoring, you are providing "written instructions" as set forth in the Fair Credit Reporting Act for GGA to obtain your consumer credit report and score from a consumer reporting agency including but not limited to Experian®, Transunion®, and/or Equifax®, solely for the purpose of (i) attempting to authenticate your identity in the event you cannot successfully enroll in Credit Monitoring through the online enrollment process on the IDP, or (ii) in the event you are the victim of identity theft. GGA does not store your credit report or score or share that information with third parties. (Transunion® is a registered trademark of Transunion LLC., Experian® is a registered trademark of Experian Information Solutions, Inc., and Equifax® is a registered trademark of Equifax, Inc.)
Service only Available if We Can Match:
If Credit Monitoring cannot match you with a consumer report or is otherwise unable to obtain your score, you will not be able to use this service until such time as you have built a credit history or otherwise corrected the matching error that has prevented us from obtaining your credit.
You agree to receive in electronic form all other communications regarding Credit Monitoring services. As part of the Credit Monitoring service, we may send you alerts by email. You consent to receive these communications.
Right to Receive a Free Credit Report From AnnualCreditReport.com:
Credit Monitoring provides access to your credit score and related information. However, it's important to know that, by law, you also have the right to free credit reports from AnnualCreditReport.com or by calling 877-322-8228, which is the authorized source under Federal Law for free credit reports. By law, you may obtain one free credit report from each of the three national credit reporting agencies (Experian, Equifax, and Transunion) during any twelve-month period. For more information, go to consumerfinance.gov.
We may terminate your access to Credit Monitoring at any time and for any reason without notice. If you close your account or your account charges off, we will terminate your access to Credit Monitoring.
ScamAssist™ Research Service:
If your Program includes this service, GGA will attempt to help you determine if an offer or solicitation you have received is an apparent scam, is from a malicious source, or is otherwise unsafe to engage with. You will be entitled to open up to four (4) ScamAssist cases in any given calendar month.
Online Data Protection Services
Online Data Protection
(requires account activation to access software and software installation): If your Program includes this service, GGA's Online Data Protection Suite includes the DataScrambler® and PhishBlock® software that help protect your personal data from key-logging and phishing attacks.
PhishBlock® uses customized anti-phishing technology to detect malicious websites designed to steal your information. It automatically identifies scam sites, even newly published ones not yet known to traditional anti-virus programs, and overlays a warning page to inform you.
DataScrambler® helps safeguard your sensitive information by protecting you from spyware that attempts to steal confidential information, log your keystrokes, and access your computer's built-in webcam. It is inserted into your browser and replaces your actual keystrokes with scrambled keystrokes while providing a visual display of how your entries are continuously protected.
Use of PhishBlock® and DataScrambler® software requires that you agree to the Online Data Protection Suite End User Agreement when accessing these services. We will provide you with the Online Data Protection Suite software to be installed on your PC or laptop. The Online Data Protection Suite runs on Windows operating system and is not supported on MacOS operating systems. If you have a Windows partition on your Mac, you may use the Online Data Protection Suite software.
If included in your IDP, this service provides a maximum of three (3) downloads in the Individual, Couple, and Family Plans.
(The Online Data Protection Suite is provided by SentryBay Limited which is an independent third-party provider of services and is not affiliated with GGA. DataScrambler® and PhishBlock® are registered trademarks of Generali Global Assistance, Inc.)
Identity Monitoring Services
Identity Monitoring (requires activation to access your alerts):
If your Program includes this service, you will receive access to Identity Monitoring ("Identity Monitoring"): Through our authorized provider, InfoArmor®, GGA provides internet searches to detect compromised credentials and potentially damaging use of your personal information, and alert you via email so that you can take immediate action. This platform utilizes automated monitoring and human threat intelligence from cyber operations agents monitoring threat actors and their tactics on the deep and dark web where personal data is bought and sold. Examples of types of alerts include:
Detect Pre-Existing Conditions:
If your Program includes this service, the identity monitoring service conducts a look-back, searching potentially compromised data to attempt to identify previously unknown incidents of identity theft.
High Risk Transactions:
If your Program includes this service, this service monitors your high-risk transactions with more than 300 of the nation's largest companies to uncover and thwart account takeover attempts. Monitored transactions include:
- Credit cards
- Bank accounts
- Brokerage accounts
- Healthcare portals
- Workplace intranets
- Other services (e.g. peer-to-peer fund transfers)
If your Program includes this service, this service monitors your online credentials on sources such as hacker dump sites, the black market, hacktivist forums, file sharing portals, botnet exfiltration, data leaks and malware logs. If your username, email address, or passwords are found within a corporate data breach, on malicious third party botnets, or in criminal forums, we will alert you.
Internet Black Market Surveillance:
If your Program includes this service, this service monitors the underground economy to uncover exposed, sensitive information to determine if your personal identifying information appears. Additionally, you will be notified of upcoming expirations associated with information you enter for monitoring. Monitored data includes:
- Social Security number
- Email addresses
- Date of birth
- Debit/credit cards
- Bank account numbers
- Web logins
- Medical Insurance cards
- Driver's license
- Loyalty cards
- Affinity cards
- Passport number
- Vehicle Insurance cards
Identity Monitoring Alerts:
If your Program includes this service, Identity monitoring alerts are sent via email when pieces of your identity are detected under suspicious circumstances so that you can take immediate action to minimize damage. When you log in, you can view alert details, close out any unwarranted alerts, or flag the ones that need immediate attention.
Payday Loan Monitoring:
If your Program includes this service, this service monitors for payday loan fraud, which is when a thief uses your identity to illegally obtain a payday loan, racking up debt in your name.
If your Program includes this service, this service monitors for wireless, Voice Over Internet Protocol (“VOIP”), landline or prepaid mobile accounts newly opened and activated using your information.
IDENTITY THEFT RESOLUTION PRODUCT SERVICES
If you or a family member experience an identity theft incident ("Identity Theft") our Identity Theft Resolution services can help. Upon notification of an Identity Theft of a Member and receipt of a duly completed and executed authorization form from the Member, we treat each Identify Theft as an emergency and will perform any or all of the following steps necessary to attempt to undo or prevent further damage to you:
24/7/365 US-Based Certified Identity Theft Resolution Specialists:
Our team of Identity Theft Resolution Specialists is available 24/7 year-round to help resolve your Identity Theft incident and prevent further damage. Our Resolution Specialists have both Federal Credit Reporting Act (FCRA) and Certified Identity Theft Risk Management Specialist (CITRMS®) certifications.
Spanish and French Support:
GGA will provide support in English, Spanish, and French through its 24/7 call center located in Bethesda, Maryland.
We’ll translate when necessary, such as when you’re overseas and need help communicating with the local authorities in order to file a report of an Identity Theft incident. It is the responsibility of the Member to pay for any cost associated with the translation services.
A representative of our company will perform the necessary tasks to attempt an identity resolution for you or a loved one on your plan (after a police report, limited power of attorney, and identity theft affidavit are completed and submitted).
Assist with Pre-Existing Incidents:
Even if an incident of Identity Theft occurred prior to your joining our Program, as long as you were not aware of this incident at the time of your enrollment, our Resolutions Specialists will work to correct any identity-related issues you may be experiencing from this pre-existing incident. (INSURANCE COVERAGE IS EXCLUDED FOR THIS SERVICE).
ID Theft Affidavit Assistance and Submission:
If your identity has been compromised, we’ll provide you with a pre-populated identity Theft affidavit to dispute any fraudulent claims or activity. After assisting with its completion, we will submit it to the authorities, credit bureaus and creditors on your behalf.
Creditor Notification, Dispute, and Follow-Up:
We’ll contact your creditors’ fraud departments with separate itemized account statements to dispute each fraudulent occurrence. We will also continue to follow-up until each matter has been properly handled keeping you notified throughout the process with a status report on a regular basis.
3-Bureau Fraud Alert:
GGA will assist with placing a fraud alert on your records at all three major credit bureaus to add a layer of protection from fraudulent activity.
Inform Police/Legal Authorities:
We’ll assist you in reporting the fraudulent activity to the local authorities and we will forward a report of the fraudulent activity to creditors.
Locate Authorities Nearby:
When you are away from home, we will assist in locating local authorities for you to report any incidents of fraudulent activity.
If you need to block suspicious activity occurring on your credit file, we’ll work with the major credit bureaus to place a credit freeze on your credit record(s) in states where this service is available in accordance with state law.
Lost Wallet Assistance:
We’ll assist with notifying the appropriate bank or issuing authority to assist you in canceling or replacing stolen or missing items such as credit/debit card, driver’s license, Social Security card, or passport.
Medical Identity Theft Assistance:
In the event you become the victim of medical identity theft, we’ll provide help with fraudulent medical claims placed in your name and medical care that was received fraudulently by another individual in your name. We will help you to ensure that healthcare, insurance claims and medical records are corrected and we will involve our in-house medical staff if necessary. If your identity is fraudulently used to obtain medical services and treatment, we’ll work with your healthcare providers and insurers to attempt to resolve the issues, ensuring that your claims and medical records are corrected. We will involve our in-house medical staff if necessary.
Emergency Cash Advance:
If you experience Identity Theft more than 100 miles from your primary place of residence, we’ll provide you an emergency cash advance of up to $500. All costs associated with this service will be your responsibility. These services must be secured by a valid credit card. Any advance made to you, not otherwise secured by a valid credit card and paid to GGA by the credit card company within 30 days of such advance, must be reimbursed by you to us within 45 days from the date such advance is made. Thereafter any amount due will accrue interest at a rate of 1.5% per month. Notwithstanding anything to the contrary herein, GGA shall be under no obligation to advance funds not otherwise secured by a valid credit card.
Emergency Travel Arrangements and Journey Continuation:
If you experience Identity Theft while traveling more than 100 miles away from home, we’ll assist with making emergency travel arrangements, including airline, hotel, and car rental reservations. Costs associated with these arrangements are your responsibility.
$1 Million Identity Theft Insurance:
If your Program includes insurance and if you become a victim of identity fraud while enrolled in the IDP, the Identity Theft Insurance can reimburse you for covered out-of-pocket expenses related to the recovery process and professional service fees associated with identity and resolution. For a copy of your Summary of Benefits click here and Master Policy click here.
Identity Theft Insurance provides coverage for the following reasonable and necessary costs resulting from an Identity Theft event:
- refiling applications
- long distance phone calls
- document notarization
- child/elder care
- initial legal consultation
- legal costs
- lost income
- mental health counselling
- travel expenses
Payment limits exist for each reimbursable category and some exclusions apply. Please carefully read the full summary of benefits and the actual Master Policy of insurance to understand full coverage benefits and applicable exclusions and limits of coverage.
Identity Theft Insurance is provided under a master policy of insurance underwritten by Generali U.S. Branch that has been issued to Generali Global Assistance, Inc. This summary is intended for informational purposes only and does not include all terms, conditions and exclusions of the policy. Coverage may not be available in all jurisdictions. Members must refer to the actual policy for terms, conditions, and exclusions of coverage. Members must also review their summary description of benefits. Generali US Branch (New York, NY; NAIC # 11231) operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.
The Primary Member may select to pay the IDP fee(s) on an annual basis, on a monthly basis or on a monthly with down payment basis.
If the annual payment option is selected, the annual fee is due in full at the time of purchase.
If the monthly payment option is selected, the monthly fee is due every month and will be billed automatically to your payment method (credit card or electronic fund transfers through your bank account) on record each month unless and until you cancel your membership.
If the monthly with down payment option is selected, the down payment fee is due in full at the time of purchase. The monthly fee is due every month starting from the end of the down payment period and will be billed automatically to your payment method (credit card or electronic fund transfers through your bank account) on record each month unless and until you cancel your membership.
Non-payment of the applicable fee when due will result in termination of services effective on the date the payment was due.
As a service to its Members, GGA employs technology that automatically recognizes payment card updates and allows GGA to execute payment on the updated card on file in the Primary Member’s account.
The IDP membership may be cancelled only by the Primary Member within the first thirty (30) calendar days from the Purchase Date. To cancel your IDP Program, please contact GGA by phone at the numbers provided in the upper right hand side area of the IDP website. Cancellation is effective immediately upon receipt of the telephonic request from the Primary Member (the "Cancellation Date").
IDP membership paid on a monthly basis may be cancelled prior to the end of any month during the term of the membership. To cancel your IDP Program, please contact GGA by phone at the numbers provided in the upper right hand side area of the IDP website. Cancellation of a monthly payment IDP membership is effective immediately upon receipt of the telephonic request from the Primary Member (the "Cancellation Date"), subject to the Refund Policy as set forth below.
Refunds of any payments made by the Primary Member for the IDP are subject to the IDP’s Refund Policy as set forth below.
If you have selected an annual payment, the annual fee is refundable only upon request made within the first thirty (30) calendar days from the Purchase Date (the “Refund Period”). If insurance coverage is included in your IDP Plan and there has been a covered expense on behalf of a Member during the Refund Period, then the annual fee is not refundable. Refunds will be made to the same form of payment originally provided by the Primary Member at the time of enrollment.
If you have selected monthly payment, the first monthly fee is refundable only upon request made within the Refund Period. If insurance coverage is included in your IDP Plan and there has been a covered expense on behalf of a Member during the Refund Period, then the monthly fee is not refundable. Cancellation will stop monthly billing effective as of the first day of the next month following the Cancellation Date and Members will cease to receive services starting on the Cancellation Date. If you cancel the IDP Program after thirty (30) calendar days from the Purchase Date, you will not be entitled to any refund of payments already made to the IDP Program. Refunds will be made to the same form of payment originally provided by the Primary Member at the time of enrollment.
If you have selected the monthly with down payment option, the down payment fee is refundable only upon request made within the first thirty (30) calendar days from the Purchase Date (the "Refund Period"). If insurance coverage is included in your IDP Plan and there has been a covered expense on behalf of a Member during the Refund Period, then the down payment fee is not refundable. Cancellation will stop monthly billing effective as of the first day of the next month following the Cancellation Date and Members will cease to receive services starting on the Cancellation Date. If you cancel the IDP Program after thirty (30) calendar days from the Purchase Date, you will not be entitled to any refund of payments already made to the IDP Program. Refunds will be made to the same form of payment originally provided by the Primary Member at the time of enrollment.
If you participate in a free trial offer, unless you request to terminate your participation in the IDP Program within thirty (30) calendar days from the beginning of the free trial, you will automatically be enrolled in the IDP Program and the Primary Member’s credit card will automatically be charged the applicable amount for your IDP membership on a monthly basis. The first monthly fee is refundable only upon request made within thirty (30) calendar days from the date the first monthly fee is charged to the Primary Member’s credit card (the “Enrollment Date”). Cancellation will stop monthly billing effective as of the first day of the next month following the Cancellation Date and Members will cease to receive services starting on the Cancellation Date. If you cancel the IDP Program after thirty (30) calendar days from the Enrollment Date, you will not be entitled to any refund of payments already made to the IDP Program. Refunds will be made to the same form of payment originally provided by the Primary Member at the time of enrollment.
If you notify GGA of your intention not to renew membership at any time prior to the Renewal Date, the Program will not be renewed and no additional fee will be incurred.
The program is effective on the day of sale (the "Effective Date") and is active for one year provided that the Primary Member has paid the total amount of the applicable annual, monthly, or monthly with down payment fee. Thereafter, on each anniversary of the Effective Date (each a "Renewal Date"), the IDP will renew automatically for additional one (1) year terms unless the Primary Member gives notice of his or her intention not to renew at any time before the Renewal Date but not later than two (2) business days prior to the Renewal Date. The Primary Member must pay the total amount of the applicable annual or monthly fee, depending on which payment option the Primary Member has chosen, for each additional term. Note: If monthly with down payment was chosen initially the additional term will continue on a monthly basis. Please see Refund Policy above.
After the Initial Term, the program renews automatically for additional one (1) year terms unless the Primary Member gives notice of his or her intention not to renew before the Renewal Date. The Primary Member must pay the total amount of the applicable annual or monthly fee each additional year. Note: If monthly with down payment was the payment option chosen initially, then the monthly fee will continue to apply every month during each additional year. Please see Refund Policy above.
GGA will send a renewal notice to the Primary Member one month prior to the Renewal Date to inform him or her that the IDP membership will automatically renew for the same annual or monthly fee in the same form of payment that was originally provided unless the Primary Member provides notice of intent not to renew in accordance with the cancellation procedures set forth above at any time but no later than two (2) business days prior to the Renewal Date.
LIMIT OF LIABILITY
By enrolling in the IDP program and/or by using any of the services, you, as Primary Member, and each Member agree that the total and exclusive liability of GGA and its employees, officers, directors, attorneys, agents, assigns and third-party contractors (the "GGA Parties") to any Member for any claims, demands or damages relating to or arising out of IDP, the provision of services or any failure to provide services, shall be limited to the refund of the amount paid to GGA by the Member for the IDP program ("Limit of Damages"). You, as Primary Member, and each Member agree to indemnify and hold the GGA Parties harmless for all damages, costs and expenses, including reasonable attorneys' fees and costs, incurred by GGA in or relating to any legal proceeding brought by or on behalf of any Member for any claim, demand or damages in excess of the Limit of Damages. To the maximum extent permitted by law, notwithstanding any other provision of these Terms and Conditions, in no event shall GGA be liable to you or any Member for any exemplary or punitive damages, any remote or consequential damages or any damages not arising directly and proximately from the provision of services, regardless or whether or not such damages were reasonably foreseeable by GGA at the time of the provision of services or the Member's enrollment in the IDP program.
LIMITATIONS AND EXCLUSIONS
- Identity Theft(s) discovered by Members prior to enrollment in the IDP program are not eligible for services nor for insurance.
- GGA does not guarantee that its intervention on behalf of the Member duly enrolled in the IDP will result in a particular outcome or that its efforts on behalf of the Member will lead to a result satisfactory to the Member.
- GGA services do not include, and GGA shall not assist the Member for, thefts involving non-US bank accounts.
- GGA provides its Emergency Cash, Travel Arrangements, Translation and Lost Wallet Assistance services in all countries of the world. However, GGA may determine that services cannot be provided in certain countries or locales because of situations such as war, natural disaster, political instability or regulatory restrictions. GGA will attempt to assist a Member consistent with the limitations presented by the prevailing situation in the area.
- GGA shall not be responsible for failure to provide, or for delay in providing services when such failure or delay is caused by conditions beyond its control, including but not limited to labor disturbance and strike, rebellion, riot, civil commotion, war, terrorism, or uprising, nuclear accidents, natural disasters, acts of God or where rendering services is prohibited by local law or regulations.
- Unless otherwise indicated, all credit scores furnished with our Products are Transunion® Credit Scores. By this, we mean that all credit scores are prepared by Transunion and make use of the Transunion® VantageScore® 3.0, which is a proprietary credit model developed by Transunion®. Although the Transunion® VantageScore® 3.0 is sometimes used by lenders, it is unlikely that your particular lender will use the Transunion® VantageScore® 3.0. When prepared and delivered to you as part of the IDP, the Transunion® VantageScore® 3.0 is provided solely to help you understand how lenders may evaluate your overall credit risk. Therefore, nothing in our Products is an endorsement or a determination of any person's qualification for a loan, or any other extension of credit.
- Your use of the Transunion® Credit Scores is subject at all times to all Transunion® terms and conditions, restrictions, and disclaimers. GGA assumes no responsibility of any kind for the completeness or accuracy of any Transunion® Credit Score. GGA does not represent that the TransUnion® VantageScore® 3.0 is identical or similar to any other credit score or score model.
- MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM CERTAIN GOVERNMENT AGENCIES. IN ADDITION, CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR A NOMINAL FEE. NONE OF THE PRODUCTS OFFERED THROUGH THIS SITE ARE INTENDED AS A SUBSTITUTE FOR THE CONSUMER CREDIT INFORMATION THAT MAY BE AVAILABLE TO YOU WITHOUT CHARGE. PRIOR TO PURCHASING ANY PRODUCT, YOU SHOULD VISIT WWW.ANNUALCREDITREPORT.COM FOR FURTHER DETAILS REGARDING YOUR RIGHT TO OBTAIN A COPY OF YOUR CONSUMER CREDIT FILE.
- The Online Data Protection Suite software is designed to protect the Member online, but like all products designed to combat malicious software, GGA cannot guarantee that the software will be 100% effective. Neither GGA nor the licensor nor the supplier that a Member purchases such software from guarantee that the software will be free of all errors or bugs, or free from interruption or failure. You should not consider the software as the sole means of protecting yourself from identity theft and you should take other prudent measures to reduce risk such as the use of up-to-date anti-virus software, safekeeping of passwords, careful use of payment cards and the shredding of important documents. By accessing or using the Online Data Protection Suite software you acknowledge and agree that, while the supplier of the software may guarantee that the software is of satisfactory quality and is reasonably fit for the purpose for which it is supplied, you are responsible to verify that the software selected is suitable for your purposes in the context of your overall approach to the risk of identity theft. GGA is not responsible for any problems arising from or relating to the operation of the software, compatibility OR OPERATION of the software with your computer system, or unsuitability of the software for your purposes unless we have made a misrepresentation with respect to the software.
- EXCEPT FOR EXPRESS WARRANTIES, IF ANY, STATED IN THESE TERMS AND CONDITIONS, ANY SOFTWARE USED OR SERVICES PROVIDED IN CONNECTION WITH THE IDP AND ASSOCIATED PRODUCTS, IS PROVIDED "AS IS," WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU, THE USER. IN ADDITION, GGA EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTY OF MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE, AND SUITABILITY FOR YOUR INTENDED PURPOSES.
- Credit Monitoring, Report and Score (requires activation): GGA will provide the Member with access to the Member’s credit report and credit score and will monitor the Member’s credit file for changes that could indicate fraud such as new credit inquiries, an address change, or new credit account(s) opened in the Member’s name. This Service includes access to 3-Bureau Credit Monitoring, Reports and Scores with alerts throughout the term of the program. This Service is available to the Primary Member only under the Individual Plan and to the Primary Member and a Spouse or Domestic Partner under the Couple and Family Plans. The Primary Member and his or her Spouse or Domestic Partner must enroll in Credit Monitoring via an authentication process following their account activation in order to have this Service.
- Note: some creditors may require the Member to provide their authorization over the telephone before our Resolution Specialists can begin to work with the creditor directly in resolving an identity theft case.
- In the ScamAssist™ GGA Resolution Specialists research and attempt to determine whether the offer or solicitation a Member has received is an apparent scam, is from a malicious source, or is otherwise unsafe to engage with. Members should be aware that no system used to detect scammers, malware or dangerous items is entirely successful or foolproof. Accordingly, Members who use ScamAssist™ and any findings and/or safety assessment provided to Members in the content of the email do so entirely at the Members' own risk. GGA's ScamAssist™ services are provided to its Members on an "AS IS" and "AS AVAILABLE" basis. Without limiting the foregoing, GGA AND ITS AFFILIATES, AGENTS, PARTNERS AND SUBSIDIARIES DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT IN CONNECTION WITH SCAMASSIST. GGA may use or rely upon third-party websites or resources to perform ScamAssist™. By using ScamAssist™, the Member acknowledges and agrees that GGA is not responsible or liable for: (i) the availability or accuracy or effectiveness of such websites or resources; or (ii) the content, products, or services on or available from such websites or resources. Usage by GGA of such resources, or links to such websites or resources that may be found on the GGA website, does not imply any endorsement by GGA of such websites or resources or the content, products, or services available from such websites or resources. By using ScamAssist™, the Member acknowledges sole responsibility for and assumes all risk arising from Member's reliance on GGA's findings based on GGA's use of any such websites or resources.
GOVERNING LAW AND JURISDICTION
These Terms shall be deemed to be made in the State of Maryland and shall in all respects be interpreted, construed and governed by and in accordance with its laws without application of conflicts of law provisions. For any disputes arising out of the Terms, the parties irrevocably submit to the jurisdiction of the local and federal courts of the State of Maryland, which shall serve as the exclusive forum for the purposes of any suit, action or other proceeding, except for a suit by GGA seeking injunctive relief, which GGA may pursue in any appropriate forum.
SPECIAL PROVISIONS PERTAINING TO COUPLE AND FAMILY PLANS
The GGA Couple Plan allows the Primary Member to purchase a single membership that enables their Spouse or Domestic Partner to enjoy the Plan benefits. Although the Primary Member may pay for their Spouse or Domestic Partner to be in the Couple Plan, each Member of the Plan must separately enroll in the Plan by providing their own email address and other identifying information to access the Couple Plan benefits. Each Member will have their own login and password. Neither Member in a Couple Plan is allowed to access the personal information of the other Member and all notifications, alerts and monitoring information will be sent only to the email address provided by the individual Member at the time such Member signs up for IDP services.
The GGA Family Plan allows the Primary Member to purchase a single membership that enables their Spouse or Domestic Partner to enjoy the Plan benefits In addition, the Family Plan allows the Primary Member to monitor up to six (6) of their Dependent Children by means of the "Child Monitoring" Product feature of the Plan. Information pertaining to minor Dependent Children will be associated with and viewable on the Primary Member’s account. Dependent Children between the ages of 18 -24 may be enrolled under the Family Plan only as adult Members with their own email, login and password, and their information will not be viewable by the Primary Member. When a Dependent Child reaches age 25, he or she will no longer be eligible for services.
Enrollment of Minor Children in Family Plan.
As part of your Family Plan membership, you are entitled to enroll Dependent Children. You may enroll Dependent Children under the age of 18 for whom you are the legal parent or guardian by providing required information including, but not limited to, a valid Social Security number and date of birth for each of your minor children, and supporting documentation as requested. When a Dependent Child turns 18, you will be notified to provide an email for that child and your access to the child’s information will be blocked. A Dependent Child 18 years and older must set up their own password and login to retrieve their information.
Further Certifications or Documents May Be Required.
We will provide information about a minor child only to a Primary Member who is also the minor child's parent or legal guardian. By enrolling any minor child, you must certify that each such child is under the age of eighteen (18) years of age and you are the parent or legal guardian of each minor child whom you have named on the enrollment forms. We may also require further documentation regarding your status as parent or legal guardian prior to releasing certain information to you. YOU ACKNOWLEDGE AND AGREE THAT IT IS ILLEGAL FOR ANYONE TO OBTAIN PERSONAL INFORMATION CONCERNING A MINOR CHILD FOR WHOM THEY ARE NOT THE PARENT OR LEGAL GUARDIAN AND YOU FURTHER ACKNOWLEDGE AND AGREE THAT YOUR ENROLLMENT OF YOUR MINOR CHILD REQUIRES US TO OBTAIN INFORMATION ABOUT YOUR CHILD AND THAT ANY INFORMATION ABOUT YOUR MINOR CHILD THAT YOU OBTAIN FROM US WILL BE USED SOLELY FOR THE PURPOSE OF ASSISTING YOU IN PROTECTING YOUR MINOR CHILD AGAINST ACTUAL, SUSPECTED OR POTENTIAL FRAUD.
When a Dependent Child turns 18, you will be notified to send a link to your child to enroll with that child’s own email, login and password under the Family Plan. On the child’s 18th birthday, your access to the child’s information will automatically cease and all Child Monitoring will automatically cease on that date. Once this occurs, you will no longer be eligible to receive monitoring of any sort regarding that child. If your Dependent Child proceeds to enroll under the Family Plan as an adult, they may continue to receive the Family Plan Product for as long as they remain an eligible Dependent Child and your Family Plan stays in effect.