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Summary Terms of Service:

The following is the Summary Terms of Service between the Provider of this Program (“We” and “Us” and “Our”) and the enrolled member of this Program (“You”).The following provides a summary of the terms and conditions governing your membership in the identity theft program (“Program”) provided to You by Us. The complete Terms of Service relating to the Program are set forth on the Program website currently located at www.IdentaSafe. com (“Website”). You are deemed to have accepted and agreed to the complete Terms of Service by virtue of your enrollment in the Program. As part of the Program, You will receive certain identity theft monitoring services, identity restoration services, identity theft insurance and receive other services and software (collectively, “Services”) as further set forth in the membership materials You received at enrollment (“Membership Materials”). As part of this Program, We may license to You, or assist You in licensing or purchasing software or other services from our vendors (“Vendors”). The software or such other services may be accompanied by an end user license or other agreement from us or a Vendor. In such cases, your use of the software or other services is governed by the terms of that license or other agreement and by this Agreement. The identity theft insurance provided in this Program is underwritten by subsidiaries or affiliates of third-parties. Identity theft insurance is governed by an insurance certificate that is incorporated into the Services. Any information You provide to us must be true, accurate, current, and complete. You shall not use the Services for any illegal purpose and You shall abide by all applicable local, state, national, and international laws and regulations. The Service is for your personal use only, and not for commercial purposes. You may not use the Services to obtain information about or make decisions about anyone but yourself. You are solely responsible for any reliance by You on the Services or other use You make of the Services. We do not provide the Services, or any advice or assistance, for the purpose of improving your credit report, credit history or credit rating. Membership in the Program and/or your rights or duties under this Agreement may not be assigned or delegated without the prior express written consent. Vendors and benefits are subject to change without notice. Services are not available where prohibited by law. Services may or may not prevent identity theft or damages associated with identity theft or similar fraud. Services may or may not be successful in restoring your identity to pre-theft status. The Program provider shall not be liable for damages, including but not limited to lost wages, legal fees, and any other costs associated with identity theft or the restoration of your identity. You shall not use the Services to determine any consumer’s eligibility for credit, insurance, employment or for any other permissible purpose as defined in the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq (“FCRA”). Services shall not be used directly or indirectly by You to take any “adverse action” as such term is defined under the FCRA or for any purpose other than your personal identity risk management. THE SERVICES IS PROVIDED ON AN “AS IS” BASIS ONLY. NEITHER THE PROGRAM PROVIDER, NOR ANY LICENSOR OR THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICES OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, MAKES, AND EACH EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARR ANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARR ANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, ACCURACY OR THAT THE SERVICES ARE ERR OR FREE OR SECURE. THE SERVICES CONTAIN INFORMATION PROVIDED BY ONE OR MORE THIRD PARTY CREDIT REPORTING AGENCIES OR OTHER THIRD PARTY DATA PROVIDERS.