Identity Theft Protection: Are You Secure?

Introduction

This Benefits Description (the “Agreement”) contains the terms and conditions of your benefits coverage with Zander Identity Theft Solutions (“Company”). Please read this material carefully. If you have any questions about the Program or your benefits, please contact us.

Dependent Eligibility

If you enrolled in the family plan (or sign up in the future), eligible family members include your spouse or domestic partner. Children up to 18 years of age are eligible for Social Security monitoring, Personal Information monitoring, recovery services, reimbursement and wallet protection. Adult dependents up to the age of 26 are eligible for recovery services, reimbursement and wallet protection only.

When Your Benefits Start

Your benefits begin on the effective date stated in the welcome email/letter.

When Your Benefits End

Your benefits are in effect as long as you are enrolled as a Zander Identity Theft Solutions member and your payment method is valid. Your membership will automatically renew for monthly or annual memberships until you contact Zander Identity Theft Solutions to request termination of this Agreement, or if your payment method is no longer valid.

Description of Benefits

1. DEFINITIONS

   (used in this Benefits Description)
   1. "Program" means the Zander Identity Theft Solutions Program of personalized identity theft protection, social security number monitoring, change of address monitoring, recovery services and reimbursement.
   2. "Identity Theft Event" means the theft of a Participant's personal information, including a Social Security number, email, phone numbers or other identifying information about the Participant, which has or could reasonably result in the wrongful use of such information including, but not limited to, identity theft events occurring on or arising out of the Participant's use of the Internet. The Identity Theft Event shall not include the theft or wrongful use of the Participant's business name, d.b.a., or any other identifying information related to any business activity of the Participant. All losses resulting from the same, continuous, related, or repeated acts shall be treated as arising out of a single Identity Theft Event occurring at the time of the first such Identity Theft Event.
   3. "We," "us," and "our" mean Zander Identity Theft Solutions.
   4. "You" and "your" mean a member with benefits coverage under the Program.
   5. "Allowable expenses" means those incurred by you and fitting the definition of "costs" as set forth in the Personal Internet and Identity Coverage Insurance ("PIIC") issued by Allianz.
   6. "Participant" means a member or dependent covered by the Program.

2. PROGRAM COVERAGE

   The Program includes personalized identity theft protection and recovery services provided by Zander Identity Theft Solutions, together with the PIIC Coverage provided by Allianz. The following is a list of the benefits for which you are eligible

   1. Monitoring Services

      Personal Information Monitoring - Zander’s Personal Information Monitoring system is designed for proactive detection of your personal information on the internet where cyber thieves buy and sell information.

      Change of Address – monitors for requests to re-route mail on behalf of members.

      Social Security Trace – detects names and addresses associated with member’s social security number.

      *Monitoring services are intended as a tool to help minimize identity theft but do not guarantee to identify all ID theft events that may occur.

   2. Identity Theft Recovery Benefits

      If you discover that you are a victim of identity theft while enrolled in the Program, we will assign a Recovery Advocate to manage your case and help with the recovery process. They will create a Recovery Plan based on your case. The Recovery Plan will outline the actions that you and the Recovery Team will need to take to complete the recovery process. Your cooperation in completing the Recovery Plan is a condition of the continued involvement of the Recovery Advocate and the Recovery Team.

      Recovery Benefits include:

      • 24 hour service, 7 days a week, 365 days a year
      • Unlimited Recovery Services
      • Restore the victims credit file to the pre-theft status
      • Notify the three major credit bureaus of fraud and place fraud alerts
      • Review the member’s credit report with the member to determine the potential areas of fraud
      • Notify the member's affected creditors, government agencies, the IRS, medical institutions, and all other appropriate entities of the identity theft
      • Obtain a limited Power of Attorney from member allowing recovery agents to work on the member’s behalf
      • Scan all proprietary databases for the misuse of victim’s personal information

      Lost Wallet Protection:

      • If a member has their wallet stolen or it becomes lost, we will quickly and effectively help terminate and re-order wallet contents. Our Certified Identity Theft Risk Management Specialists will work with the member to cancel and/or reissue all documents that were lost, including debit/credit cards, ID cards, health insurance IDs, social security card and more.

   3. Identity Theft Lost Income and Expense Reimbursement

      Lost base wages that would have been earned, for time reasonably and necessarily taken off work solely as a result of efforts to amend or rectify records as to the subscriber's identity. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days, but not for sick days or any cost arising from time taken from self-employment.

   4. Unauthorized Electronic Fund Transfer Reimbursement

      Participants who are victims of identity theft will be reimbursed the principal amount, exclusive of interest and fees, incurred by you and caused by an Unauthorized Electronic Fund Transfer. Stolen Funds Loss shall not include any amount for which you did not seek reimbursement from the financial institution which issued the access device and holds the account from which funds were stolen, and stolen funds loss shall not include any amount for which you received reimbursement from any source.

   5. Financial Reimbursement Coverage:

      Fraud or Embezzlement - Loss arising out of fraud or embezzlement perpetrated against the subscriber, during the term of the program.

      Theft - Loss resulting directly from theft of property related to the subscriber's information, checkbook, savings record, ATM access, etc. by a person from whom the subscriber purchased goods or services.

      Forgery - Loss resulting directly from forgery or alteration of checks, drafts, promissory notes, or similar written promises drawn upon the subscriber’s account.

      Data Breach - Loss resulting directly from the misuse of subscriber's information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor or a securities firm wherein monies are stolen from the subscriber’s account.

      Covered Expenses (as a result of the identity fraud)

      1. Costs incurred by the subscriber for re-filing applications for loans, grants, or other credit that are rejected solely because the lender received incorrect information.
      2. Costs for notarizing affidavits, incurring long-distance telephone calls, travel and postage reasonably incurred as a result of the subscriber's efforts to report an identity fraud and/or amend records.
      3. Costs for contesting the accuracy or completeness of any information contained in a credit report.
      4. Payment for reasonable expenses incurred that were a result of recovery from an identity fraud such as: credit freeze, credit thaw costs, transcript costs, appeal bond, court filing fees and expert witness fees.
      5. Lost base wages that would have been earned, for time reasonably and necessarily taken off work solely as a result of efforts to amend or rectify records as to the subscriber's identity. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days, but not for sick days or any cost arising from time taken from self-employment.
      6. Child or elderly care costs that would have otherwise not been incurred, resulting from time reasonably and necessarily taken away from providing such care as a result of efforts to amend or rectify records as to the subscriber's identity.

      Covered Legal Costs

      Costs for reasonable fees for an attorney with either prior approval by us or costs up to $125.00 per hour for an attorney selected by the Subscriber and related court fees, incurred by the Subscriber for:

      1. Defense of any legal action brought against the subscriber by a merchant, creditor or collection agency or entity acting on their behalf for non-payment of goods or services or default on a loan.
      2. Defense of or the removal of any criminal or civil judgments wrongly entered against the subscriber.
      3. Challenging the accuracy or completeness of any information in a consumer credit report.

   6. Identity Theft Reporting Time Limitation

      The identity theft event must be reported to us as soon as you become aware of it, but in no event later than 60 days after it is discovered by you.

3. PROGRAM COVERAGE EXCLUSIONS

   • Loss due to any fraudulent, dishonest or criminal act by the subscriber or any person acting in concert with the subscriber, or immediate family subscriber, whether acting alone or in collusion with others.
   • Loss resulting directly or indirectly from errors or omissions occurring in the input of data to any computer system and/or processing of any data within a computer system.
   • Loss resulting directly or indirectly from the voluntary surrendering by the subscriber of any access device, in whole or in part, to any person or entity.
   • Loss resulting from any unintentional clerical error in the transfer from or debit of any account of the subscriber which is initiated by a financial institution, or any employee(s) thereof.
   • Loss in connection with any pre-authorized transfer from any account to or for the benefit of a financial institution, or to any other account of the subscriber.
   • Loss arising out of business pursuits of the subscriber.
   • Loss of valuable papers, valuable documents, jewelry, silverware and other personal property including the philatelic value of stamps and the numismatic value of coins not in circulation.
   • Property damage, bodily injury or personal injury.
   • Losses incurred from financial performance of any investment of financial product.

Submitting Your Reimbursement Request and Receiving Payment

If you become a victim of an Identity Theft Event, you should notify us as soon as possible. Keep track of your expenses and time spent during your normal working hours dealing with the recovery process. (You should also get and retain receipts whenever applicable) You will need to submit a Claim Form (which we will provide). We will then submit the claim form to the Claims Department on your behalf. You will receive reimbursement for your allowable expenses and lost income after your case closes.

Cancellation

If you cancel your membership within 14 days of its effective date, and prior to utilizing the recovery service, you will receive a full refund. If you cancel after 14 days there will be no refund, however, we will discontinue the billing based on whether the method of payment you selected was month-to-month or annual. Annual memberships are valid through the entire 12 month period.

Contact Us

You may contact us by telephone at (800) 356-4282 extension 3541 or zanderidt@zanderins.com.

Intellectual Property Ownership

Trademarks, Copyrights and Restrictions: The Zander Identity Theft Solutions names and logos are trademarks of Zander Identity Theft Solutions. Everything you see in any promotional materials is copyrighted by Zander Identity Theft Solutions unless otherwise specified. All other product names and company logos found on promotional materials are the trademarks of their respective owners. All promotional materials are protected by copyrights, which are owned or licensed by Zander Identity Theft Solutions. You may not reproduce, perform, create derivative works from, republish, upload, post, transmit, or distribute in any way whatsoever any Zander Identity Theft Solutions information without the express, written consent of Zander Identity Theft Solutions.

Choice of Law

This Agreement shall be construed and controlled by the laws of the state of Tennessee. Any dispute concerning or breach of the terms of this Agreement will be governed by the laws of the state of Tennessee.

 Indemnification

You agree to indemnify, defend and hold Zander Identity Theft Solutions and any of its affiliates and all of their agents, directors, employees, information providers and licensors and licensees harmless from and against any and all liability and costs (including attorneys' fees and costs) incurred by any of these parties in connection with any claim arising out of any breach by you of these terms and conditions. In the event that either (a) you are the subject of claims for which you properly seek damages from us under these terms and conditions, or (b) we are subject to any claim for which we have the right to be indemnified by you, we reserve the right at our expense in the case of claims in clause (a) and at your expense in the case of claims in clause (b), to assume the exclusive defense and control of any such claim, and you will not in any event settle any such claim without our written consent.

Modification

We may revise this Agreement at any time. However, we may not make any changes retroactive. We will notify you of any changes via telephone or at the e-mail address or mailing address associated with your account.  If you do not contact Zander Identity Theft Solutions and express your objection to our changes within thirty (30) days of receiving this notice, you shall be deemed a continuing use client and agree to be bound by any such revisions. If you fail to comply with any of these terms and conditions, we may at any time terminate your rights under the Program.

Arbitration

At Company’s sole discretion, it may require you to submit any disputes arising from the use of the Program to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Tennessee law.

Miscellaneous

The terms and conditions of this Agreement may not be altered, supplemented, or amended by you. Any such attempt will be null and void, unless agreed to in writing and signed by you and Zander Identity Theft Solutions. The section headings used herein are for convenience of reference only and do not form a part of these terms and conditions, and no construction or inference will be derived therefrom. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable and shall not affect the enforceability of any other provision.

Description of Subscriber Obligations

You agree that you are only providing your own personal information and not the information of any other individual. You agree that the information you provide during the registration process and any subsequent information you provide to Zander Identity Theft Solutions will be true, accurate, and current. You are obligated to contact Zander Identity Theft Solutions member services in the event that any information you have provided Zander Identity Theft Solutions has changed.

You agree that you are eighteen (18) years of age or older.

You agree to pay us the fee we publish for our Program, less any discounts to which you may be entitled.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Limitation of Liability

IN NO EVENT WILL COMPANY OR ANY OF ITS SERVICE PROVIDERS OR SUPPLIERS BE LIABLE UNDER OR IN CONNECTION WITH THIS AGREEMENT OR ITS SUBJECT MATTER UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY AND OTHERWISE, FOR ANY: LOSS OF PRODUCTION, USE, REVENUE OR PROFIT OR DIMINUTION IN VALUE; OR CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, ENHANCED OR PUNITIVE DAMAGES, REGARDLESS OF WHETHER SUCH PERSONS WERE ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES OR SUCH LOSSES OR DAMAGES WERE OTHERWISE FORESEEABLE, AND NOTWITHSTANDING THE FAILURE OF ANY AGREED OR OTHER REMEDY OF ITS ESSENTIAL PURPOSE.

IN NO EVENT WILL THE AGGREGATE LIABILITY OF COMPANY UNDER OR IN CONNECTION WITH THIS AGREEMENT OR ITS SUBJECT MATTER, UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY AND OTHERWISE, EXCEED THE AMOUNT YOU PAID FOR THE PROGRAM. THE FOREGOING LIMITATION APPLIES NOTWITHSTANDING THE FAILURE OF ANY AGREED OR OTHER REMEDY OF ITS ESSENTIAL PURPOSE.

Agreement Assent and Acknowledgement

You and Zander Identity Theft Solutions have entered into this Agreement, whether electronically, by recorded voice authorization, or via physical copy, intending to be bound by your acceptance of the Agreement. By using the Company website, you accept and agree to be bound and abide by the Zander Insurance Group Terms of Use, found at https://www.zanderins.com/terms-of-use.aspx, and Privacy Policy, found at https://www.zanderins.com/privacy.aspx, which are both incorporated herein by reference. In the event of any conflict or inconsistency between the terms and provisions of this Agreement and the Terms of Use, the terms of the Terms of Use will prevail. Notifications, or any other communications, including billing, payment, and/or disclosures will be made via the mail, telephone, or email address associated with your account. This Agreement may be printed or retained by you for future reference.

Last modified: April 25, 2017

Introduction

Zander Insurance Group ("Zander," the "Company" or "We") respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information We may collect through the websites, services and applications that We make available to you, including Zanderins.com (the "Website"), and our practices for collecting, using, maintaining, protecting and disclosing that information. We are committed to protecting the privacy, accuracy and reliability of that information. Your use of the Website is governed by this Privacy Policy, along with the Company’s Terms of Use (available here: TERMS OF USE ).

This policy applies to information We collect:

• on this Website;
• in e-mail, text and other electronic messages between you and this Website;
• through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website; and
• when you interact with our advertising and applications on third-party websites and services or post content related to the Company or this Website on third-party websites. It does not apply to information collected by:
• any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.
• us offline or through any other means, including on any other website operated by Company or any third party; or

Please read this policy carefully to understand our policies and practices regarding your information and how We will treat it. Your privacy is of the utmost importance to us; however, if you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. Your continued use of this Website after We make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any Personal Information to or on the Website. We do not knowingly collect Personal Information from children under 13. If you are under 13, do not register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If We learn We have collected or received Personal Information from a child under 13 without verification of parental consent, We will delete that information.

We do use persistent identifiers to monitor Website traffic and usage patterns in order to support the internal operations of our Website and provide a better user experience. It is possible that We may collect some of this information from children under 13.

Information We Collect About You and How We Collect It

Usage Details, IP Addresses, Cookies and Other Technologies. We collect certain limited information from and about users of our Website automatically as you navigate through the site, when We send you emails, when you respond to surveys, and when you use any referral service We may offer. Information collected automatically may include certain information about your equipment, browsing actions and patterns, including:

• details of your visits to our Website, including traffic data and other communication data and the resources that you access and use on the Website; and/or
• information about your computer and internet connection, including your IP address, operating system and browser type.

We collect this information:

• directly from you when you provide it to us;
• automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies; and
• from third parties, for example, our business partners.

The statistical data We collect helps us to improve our Website and to deliver a better and more personalized service by enabling us to:

• estimate our audience size and usage patterns;
• store information about your preferences, allowing us to customize our Website according to your individual interests;
• speed up your searches; and
• recognize you when you return to our Website. The technologies We use for this automatic data collection may include:
• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. Specifically, We use Remarketing with Google Analytics, Google Display Network Impression Reporting, Google Analytics Demographics and Interest Reporting, and other integrated services that require Google Analytics to collect data for advertising purposes, including the collection of data via advertising cookies and identifiers. You can opt-out of the Google Analytics Advertising Features on the Google Analytics' currently available opt-outs for the web.
• Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices about How We Use and Disclose Your Information below.
• Web Beacons. Pages of the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs. pixel tags and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

If you have concerns about providing information to us or having such information displayed on our services or otherwise used in any manner permitted in this Privacy Policy and/or the Terms of Use, you should not request a quote, visit our websites, apps or otherwise use our services.

Information You Provide to Us

If you request a quote or register for a product or service, We may collect additional information from and about you, including information by which you may be personally identified, such as name, postal address, e-mail address, telephone number, or any other identifier by which you may be contacted online or offline ("Personal Information") and information that is about you but individually does not identify you, such as gender. We collect this information directly from you when you provide it to us. We may use this information to obtain additional Personal Information about you for marketing and providing our services.

This information We collect on or through our Website may include:

• Information that you provide by filling in forms on our Website. This includes information provided at the time of requesting a quote or a product or service from our Website, posting material or requesting further services. We may also ask you for information when you report a problem with our Website.
• Information that is about you but individually does not identify you, such as your username, password, job title, and company.
• Non-Zander content that you sync with your profile, such as your email address book, mobile devices contracts or calendar; and/or Records and copies of your correspondence (including e-mail addresses), if you contact us.
• Your responses to surveys that We might ask you to complete for research purposes.
• Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
• Your search queries on the Website.

We may provide a referral service to enable you to tell a friend about our services, in which case We will ask you for your friend’s name and email address and then send your friend a one-time email inviting him or her to try our services. We may also collect any reviews you post about the Company and/or its services on third-party websites and post them on the Website.

Third-party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement, you should contact the responsible third party directly.

You do have choices about how your non-personal information is collected through these tracking technologies. From our Website, you can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. Please be aware, however, if you do disable or refuse cookies, some parts of this site may then be inaccessible or not function properly.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI website or from the Digital Advertising Alliance (“DAA”) on the DAA website. We are committed to complying with the Self-Regulatory Program for Online Behavioral Advertising. To learn more and make choices about interest-based ads from participating third parties, please visit the NAI or the DAA consumer opt out page.

How We Use Your Information

We use information that We collect about you or that you provide to us, including any Personal Information:

• To present our Website and its contents to you.
• To provide you with information, products or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our Website or any products or services We offer or provide though it.
• To allow you to participate in interactive features on our Website.
• In any other way We may describe when you provide the information.
• For any other purpose with your consent.

We may also use your information to contact you about goods and services that may be of interest to you. If you do not want us to use your information in this way, please adjust your user preferences in your account profile. For more information, see "Choices About How We Use and Disclose Your Information" below.

We may use the information We have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though We do not disclose your Personal Information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

We may disclose aggregated information about our users without restriction.

We may disclose Personal Information that We collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.
• To contractors, service providers and other third parties We use to support our business.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Information held by the Company about our Website users is among the assets transferred.
• To third parties to market their products or services to you if you have not opted out of these disclosures.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information; and/or with your consent.

We may also disclose your Personal Information:

• to comply with any court order, law or legal process, including to respond to any government or regulatory request;
• to enforce or apply our TERMS OF USE and other agreements, including for billing and collection purposes; and/or
• if We believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers or others.

Accessing and Correcting Your Information

You can review and change your Personal Information by logging into the Website and visiting your account profile page.

You may also send us an e-mail at info@zanderins.com to request access to, correct or delete any Personal Information that you have provided to us. We cannot delete your Personal Information except by also deleting your user account. We may not accommodate a request to change information if We believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our TERMS OF USE .

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to info@zanderins.com

Data Security

We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted through transit.

The safety and security of your information also depends on you. Where We have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although We do our best to protect your Personal Information, We cannot guarantee the security of your Personal Information transmitted to our Website. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes We make to our privacy policy on this page. If We make material changes to how We treat our users' Personal Information, We will notify you by e-mail to the e-mail address specified in your account and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring We have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: https://www.zanderins.com/contact/contactus.aspx

YOU UNDERSTAND THAT BY ACCEPTING THESE TERMS AND CONDITIONS YOU ARE PROVIDING "WRITTEN INSTRUCTIONS" TO ZANDER IDENTITY THEFT SOLUTIONS ("We" or "Us") AND ITS, EMPLOYEES, AGENTS, SUBSIDIARIES, AFFILIATES, CONTRACTORS, THIRD PARTY DATA PROVIDERS, AND ALL NATIONAL CREDIT REPORTING AGENCIES UNDER THE FAIR CREDIT REPORTING ACT (FCRA), AS AMENDED, INCLUDING, WITHOUT LIMITATION, EXPERIAN, TRANSUNION, EQUIFAX AND AFFILIATED ENTITIES, TO ACCESS YOUR CREDIT FILES FROM EACH NATIONAL CREDIT REPORTING AGENCY AND TO EXCHANGE INFORMATION ABOUT YOU WITH EACH SUCH NATIONAL CREDIT REPORTING AGENCY IN ORDER TO VERIFY YOUR IDENTITY AND TO PROVIDE THE SERVICES TO YOU.

1. Terms Of Use

Your use of this service confirms that you have accepted these terms in their entirety. If you do not agree with these terms in their entirety, please terminate the service. These Terms and Conditions (this "Agreement" or "Terms and Conditions") identify what you can expect from Zander Identity Theft Solutions and what We expect from you. These Terms and Conditions apply to your purchase of any identity theft products and/or services offered or provided by Zander Insurance Group and govern the relationship between Us and you, even if you have agreed to other or conflicting terms and conditions of third parties associated with this business relationship or the provision of such services and/or products.

2. Introduction

Please read the following information carefully before using any of the products or services (the "Services") provided by this website (this "Site"). By accessing or using any of the Services, you acknowledge that you have read, understood, and agree to these Terms and Conditions and to follow all applicable laws and regulations. Please check the Terms and Conditions each time you visit this Site as these Terms and Conditions may be changed by Us from time to time, and you agree to abide by any such changes.

3. Privacy and Information Sharing

Since it affects your use of the Services, please review our Privacy Policy and Zander Insurance Group Website Terms of Use ("Website Terms of Use"). We collect, use and disclose information about you as provided in our Privacy Policy. We will share your personal information with third parties only in the ways that are described in this Privacy Policy. Our Privacy Policy and Website Terms of Use are located on the Site and are incorporated into this Agreement, and you agree to the terms of the Privacy Policy as a condition to your acceptance of this Agreement.

You agree and authorize Zander Identity Theft Solutions, its agents and employees, to provide your personally identifiable information (or information about your child that you have enrolled) to third parties from time to time as provided in our Privacy Policy. You further authorize Zander Identity Theft Solutions, its agents and employees to obtain various information and reports about you (or about your child that you have enrolled) in order to perform the Services, including, but not limited to, address history reports, name and alias reports, criminal reports, and all other relevant reports.

In order for Us to provide you with our identity protection service and for the prevention and detection of fraud, We will share your personal information with third parties who perform services on our behalf. Depending on the service you have requested, We may share your name, email address, national identifier or social security number (as applicable). We will also share your billing information with a credit card processing company in order to bill you for goods and services. These companies are authorized to use your personal information only as necessary to provide these Services to you.

4. Disclaimer of Warranties and Limitation of Liability

A. UNLESS OTHERWISE EXPLICITLY STATED, ZANDER IDENTITY THEFT SOLUTIONS, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THE SERVICES, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED IN THE SERVICES. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED THROUGH THE SERVICES IS PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" AND "WHERE-IS" BASIS WITH NO WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. ZANDER IDENTITY THEFT SOLUTIONS DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.

B. NOTHING IN THESE TERMS AND CONDITIONS, INCLUDING SECTIONS 4 AND 5, SHALL EXCLUDE OR LIMIT OUR WARRANTY OR LIABILITY FOR LOSSES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

C. We are not a credit repair organization, or similarly regulated organization under other applicable laws, and do not provide credit repair advice.

D. If you use the SSN Trace services (Social Security Number Monitoring), you represent and warrant to Us that you will use such services (or any of the information therein) to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities, and not for any other purpose.

5. Limitation of Liability

A. SUBJECT TO SECTION 4 ABOVE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE AND OUR SUBSIDIARIES, AFFILIATES, AGENTS, CONTRACTORS AND OUR THIRD PARTY DATA AND SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU FOR:

(i) ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO, ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSS; OR

(ii) ANY LOSS OR DAMAGE WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE AS A RESULT OF:

• ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY OR EXISTENCE OF ANY ADVERTISING, OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY ADVERTISER OR SPONSOR WHOSE ADVERTISING APPEARS ON THE SERVICES OR SITE;
• ANY CHANGES WHICH WE MAY MAKE TO THE SERVICES, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE SERVICES (OR ANY FEATURES WITHIN THE SERVICES);
• THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE, ANY CONTENT AND OTHER COMMUNICATIONS DATA MAINTAINED OR TRANSMITTED BY OR THROUGH YOUR USE OF THE SERVICES;
• YOUR FAILURE TO PROVIDE US WITH ACCURATE ACCOUNT INFORMATION; OR
• YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL.

B. THE LIMITATIONS ON OUR LIABILITY TO YOU IN SECTION 4 ABOVE OR THIS SECTION 5 SHALL APPLY WHETHER OR NOT WE HAVE BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES ARISING.

6. Payment and Billing

You agree that you will make any required payments to Us on a timely basis on a monthly or annual basis (as determined by you when you enroll). You authorize Us to bill your credit card or other account that you have designated, unless you tell Us in advance to cancel your order. In the case of direct payment, you authorize Us to: (1) charge your credit card, (2) automatically charge your credit card on a monthly or annual basis for your recurring monthly or annual renewals, as the case may be, and (3) obtain automatic updates for any expiring credit cards you have provided Zander Identity Theft Solutions. Monthly or annual fees and renewal fees will be billed at the rate agreed to upon purchase. At cancellation, your Zander Identity Theft account will be de-activated and you will no longer be able to log into our Site and/or have any access to the Services. Except in the case of annual subscription commitments you have agreed to, which shall be nonrefundable, as permitted by law, if you cancel, you agree that fees for the first month of Service and any start-up costs associated with setting up your account ("Start-up Costs") shall be nonrefundable, as permitted by law. With the exception of any subscription commitments agreed by you, if you paid fees in advance for any period longer than one month, then you may, with the exception of fees for the first month of Service and any Start-up Costs, obtain a refund on a pro rata basis for the period remaining after you cancel.

7. Unsolicited Idea Submission Policy

When you provide Us with comments, suggestions, or ideas (collectively, "Feedback"), such Feedback is not considered confidential and becomes the property of Zander Identity Theft Solutions. We are free to use, copy, or distribute the Feedback to others for any purpose.

8. International Use

Because you can access this Site and use the Services internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States or the country of your residence.

9. Fair Credit Reporting Act

The Fair Credit Reporting Act allows you to obtain from each credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through our Site are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You can also contact the central source to request this free annual disclosure by calling toll free (877) 322-8228 or by using the mail request form available at the central source website.

You are entitled to receive a free copy of your credit report from a credit reporting agency if:

• You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency.
• You have been denied house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency.
• You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
• You certify in writing that you are a recipient of public welfare assistance.
• You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

10. Applicable Law

We perform the Services through Zander Insurance headquarters located in the State of Tennessee. This Agreement shall be governed, interpreted, and enforced according to the laws of the State of Tennessee, regardless of Tennessee conflict of laws. Subject to Section 11 below (which provides for arbitration of claims between Us to the maximum extent possible), you irrevocably and unconditionally consent and submit to the exclusive jurisdiction of the federal and state courts located in Davidson County, Tennessee for any dispute or litigation arising out of, relating to, or the use or purchase of Services from Us.

11. Arbitration

Notwithstanding any other agreement to arbitrate or other agreement between you and any third party associated with this relationship or the provision of the Services, both We and you agree that any dispute, controversy or claim arising out of, or relating to this Agreement or the relationship contemplated hereby, or any interpretation, construction performance or breach of this Agreement or the Services provided by Us shall be settled by confidential arbitration, in accordance with the American Arbitration Association's ("AAA") Commercial Arbitration Rules (including without limitation the Supplementary Procedures for Consumer Related Disputes) as then in effect. The arbitrator may grant injunctions or other relief in such dispute or controversy. The decision of the arbitrator will be final, conclusive and binding on all the parties to the arbitration. Judgment may be rendered on the arbitrator's decision in any state or federal court. Although the cost of the filing fee for the arbitration will be borne equally by you and Us, all other expenses of the arbitration will be paid by the party who incurred them, other than as set forth in Section 12 below.

12. Indemnification

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS US, OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUBSIDIARIES, AFFILIATES, CONTRACTORS, SUPPLIERS AND ANY THIRD PARTY PROVIDERS OF INFORMATION OR SERVICES TO THE SITE FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, RESULTING FROM ANY VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR VIOLATION OF APPLICABLE LAWS, RULES OR REGULATIONS. IN THE EVENT THAT WE ARE SUBJECT TO ANY CLAIM FOR WHICH WE HAVE THE RIGHT TO BE INDEMNIFIED BY YOU, WE WILL HAVE THE RIGHT TO, AT YOUR EXPENSE, ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY SUCH CLAIM, AND YOU WILL NOT IN ANY EVENT SETTLE ANY CLAIM WITHOUT OUR PRIOR WRITTEN CONSENT.

13. Your Passwords and Account Security

You agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services. Accordingly, you agree that you will be solely responsible to Us for all activities that occur under your account. If you become aware of any unauthorized use of your password or of your account, you agree to notify Us immediately.

14. Termination of Relationship

A. These Terms and Conditions will continue to apply until terminated by either you or Us as set out below.

B. If you want to terminate your legal agreement with Us, you may do so, with or without cause, by (a) notifying Us at any time and (b) closing your accounts for all of the Services which you use, where We have made this option available to you. Please contact Us to close your account.

C. We may at any time terminate our legal agreement with you with or without cause (and for any or no reason). We may also terminate our legal agreement with you if, among other reasons:

(i) You have breached any provision of the Terms and Conditions (or have acted in manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms and Conditions);

(ii) We are required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or

(iii) The provision of the Services to you by Us is, in our opinion, no longer commercially viable.

D. If We terminate your Service without cause We will refund to you a pro rata portion of any fees already paid directly to Us for the Services that have yet to be provided. If this Agreement has not been terminated, it shall continue indefinitely, and you shall pay the corresponding fees for the Services. When this Agreement terminates, all of the legal rights, obligations and liabilities that you and We have benefited from, been subject to (or which have accrued over time while the Agreement has been in force) or which are expressed to continue indefinitely, shall be unaffected by this termination and/or cessation, and the provisions of Sections 4, 5, 6, 7 and 10-15, inclusive, shall continue to apply to such rights, obligations and liabilities indefinitely.

15. Miscellaneous

A. No waiver of any breach of any provision of these Terms and Conditions or of any agreement with Us will constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions. All waivers must be in writing. If any court of competent jurisdiction finds any part or provision of these Terms and Conditions or of any other agreement between you and Us to be invalid or unenforceable, such findings will have no effect on any other part or provision of these Terms and Conditions or any other agreement between you and Us.

B. We are not responsible for delay or failure to perform due to causes beyond our reasonable control.

C. These Terms and Conditions, together with all documents incorporated herein by reference, including but not limited to, our Privacy Policy and the Website Terms of Use, constitute the whole legal agreement between you and Us and govern your use of the Services (but excluding any services which We may provide to you under a separate written agreement), and completely replace any prior agreements between you and Us in relation to the Services.

D. You may not use, frame or utilize framing techniques to enclose any Zander Insurance Group trademark, logo or other proprietary information, including the images found at the Site, the content of any text or the layout/design of any page or form contained on a page without Zander Insurance Group's express written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright, or proprietary right of Zander Insurance Group or any third party.

E. The Site contains many of the valuable trademarks, service marks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by Us and our subsidiaries, including but not limited to, the marks "Zander Identity Theft," "CyberAgent" (Personal Information Monitoring), "Protector," and others. Zander Identity Theft Solutions and the Zander Identity Theft Solutions product names referenced in the Site are either trademarks, service marks or registered trademarks of Zander Identity Theft Solutions or third party service providers. Any unauthorized use of same is strictly prohibited and all rights in same are reserved by Us. No use of any Zander Insurance Group trademark may be made by any third party without express written consent of Zander Insurance Group. Other products and company names mentioned in the Site may be the trademarks of their respective owners.

F. No part of the Site may be reproduced, modified, or distributed in any form or manner without our prior written permission.

G. The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on the Site are our property or the property of our third party service providers or suppliers and are protected by copyright, trademark and other laws. In addition to our rights in individual elements of the Content within the Site, Zander Insurance Group owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Zander Insurance Group or the owner of the Content.

H. Except as otherwise provided, We may send any notices to you to the most recent e-mail address you have provided to Us or, if you have not provided an e-mail address, to any e-mail or postal address that We believe is your address. If you wish to update your registration information, please log in to your account and update your information.

Effective Date: September 22, 2017

Copyright 2015 Zander Insurance Group® All rights reserved.

INSURING AGREEMENT

We will provide the insurance described in this Policy to Subscribers in return for:

1. the payment of premium; and
2. compliance with all applicable provisions of this Policy.

Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties and what is and is not covered.

The Occurrence Date must be during the term of the Program and the policy period.

We will pay up to the limit of insurance shown on the Declarations Page if the cause of Loss is shown as applicable on the Declarations Page.

COVERAGE

Identity Fraud - Expense Reimbursement

If a limit for Identity Fraud – Expense Reimbursement is listed on the Declarations Page, we will reimburse the Subscriber for Expenses and Legal Costs incurred by the Subscriber, less any deductibles set forth on the Declarations Page or Certificate of Insurance, as the direct result of the following:

1. Fraud or Embezzlement For Loss arising out of Fraud or Embezzlement perpetrated against the Subscriber, during the term of the Program.
2. Theft For Loss resulting directly from Theft of property related to the Subscriber’s information, checkbook, savings record, ATM access or securities from the Subscriber, during the term of the Program.
3. Forgery For Loss resulting directly from forgery or alteration of checks, drafts, promissory notes, or similar written promises, orders or directions to pay money that are:
   1. made or drawn by or drawn upon the subscriber’s account; or
   2. made or drawn by one purporting to act as the subscriber’s agent.
4. Data Breach For Loss resulting directly from the misuse of Subscriber’s information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit granter or a securities firm that results in monies stolen from the Subscriber’s accounts or misuse of data to obtain property, credit or monies using the Subscriber’s information.
5. Stolen Identity Event For Loss resulting from a Stolen Identity Event.

Unauthorized Electronic Fund Transfer Reimbursement

If a limit for Unauthorized Electronic Funds Transfer Reimbursement is listed on the Declarations Page, we will reimburse the Subscriber for a Stolen Funds Loss incurred by the Subscriber, less any deductibles set forth on the Declarations Page, as the direct result of an Unauthorized Electronic Fund Transfer .

DEFINITIONS

We, Us, and Our means Interstate Fire & Casualty Company.

Access Device means a card (including credit, debit and ATM cards), code, PIN, password, personal check or other similar means of access to the Subscriber’s account at a financial institution for the purpose of withdrawing or transferring funds, making purchases, or making long distance or cellular/digital (wireless) telephone calls.

Date of Discovery occurs when the Subscriber 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 Subscriber receives notice of an actual or potential claim against the Subscriber involving Loss covered under this insurance.

Expenses mean:

1. Costs incurred by the Subscriber for refiling applications for loans, grants, or other credit that are rejected solely because the lender received from any source incorrect information as a result of the Identity Fraud;
2. Costs for notarizing affidavits or other similar documents, long distance telephone calls, travel and postage reasonably incurred as a result of the Subscriber’s efforts to report an Identity Fraud or amend or rectify records as to the Subscriber’s true name or identity as a result of an Identity Fraud;
3. Costs for contesting the accuracy or completeness of any information contained in a credit report f o l l o w i n g an Identity Fraud;
4. Payment for reasonable expenses incurred that were a result of recovery from an Identity Fraud such as; credit freeze, credit thaw costs, transcript costs, appeal bond, court filing fees, expert witness or courier fees;
5. Actual lost base wages that would have been earned, for time reasonably and necessarily taken off work solely as a result of efforts to amend or rectify records as to the Subscriber’s identity as a result of an Identity Fraud. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days but not for sick days or any cost arising from time taken from self-employment. Coverage is limited to base wages within 12 months after discovery of an Identity Fraud.
6. Child or elderly care costs that would have otherwise not been incurred, resulting from time reasonably and necessarily taken away from providing such care as a result of efforts to amend or rectify records as to the Subscriber’s identity as a result of an Identity Fraud .

Family Member means the spouse, parent, siblings, children, relations by marriage and/ or any other member of, or persons residing in the Subscriber’s household.

Forgery means the signing of the name of another person or organization as the maker, drawer, issuer or endorser of a check, draft, promissory note, letter of credit, withdrawal order or other written unconditional promise or order to pay on demand a sum certain, without the authorization of that person or organization and with the intent to deceive. Forgery does not mean a signature which consists in whole or in part of one’s own name signed with or without authority, in any capacity, for any purpose.

Fraud or Embezzlement means:

1. An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by the Subscriber, but which was in fact fraudulently transmitted by someone else without the Subscriber’s knowledge or consent; or
2. A written instruction issued by the Subscriber, which was altered by someone other than the Subscriber, or purported to be issued by the Subscriber but was forged or fraudulently issued without the Subscriber’s knowledge or consent; or
3. An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruction initially received by the Subscriber which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without the Subscriber’s or the employee's knowledge or consent

Identity Fraud means the act of knowingly transferring or using, without lawful authority, a means of identification of the Subscriber with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal, State or local law.

Loss means the expenses and Legal Costs incurred by the Subscriber.

Legal Costs means the costs for reasonable fees for an attorney with either prior approval by us or costs, up to $125 per hour, for an attorney selected by the Subscriber and related court fees, incurred by the Subscriber, for:

1. Defense of any legal action brought against the Subscriber by a merchant, creditor or collection agency or entity acting on their behalf for non-payment of goods or services or default on a loan as a result of the Identity Fraud;
2. Defense of or the removal of any criminal or civil judgments wrongly entered against the Subscriber as a result of Identity Fraud; and
3. Challenging the accuracy or completeness of any information in a consumer credit report.

Occurrence Date means the earliest possible Date of Discovery of an incident of an actual or attempted fraudulent, dishonest or criminal act or series of related acts, whether committed by one or more persons.

Policyholder means the entity identified on the Declarations Page of this Policy.

Program means the offerings provided and issued by the Policyholder or Policyholder’s customer to the Subscribers.

Proof of Loss means receipts for reasonable out of pocket expenses.

Stolen Funds Loss means the monetary Loss arising out of an unauthorized electronic transfer of funds, exclusive of interest and fees, incurred by the Subscriber. It does not include

1. any amount of which the Subscriber did not seek, or receive, reimbursement from the financial institution which issued the Access Device and holds the account from which funds were stolen, or
2. any amount for which the Subscriber received reimbursement from any source.

Stolen Identity Event means the theft, unauthorized, or illegal use of the Subscriber’s credentials, passwords, credit or debit cards, bank accounts, name, address, social security number, driver’s license number, medical identification number, or other method of identifying the Subscriber.

Subscriber means the natural person on record with the Policyholder as an eligible participant in a Program of the Policyholder, and includes all eligible Family Members.

Unauthorized Electronic Funds Transfer means: Any transfer of funds that are initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit an Subscriber’s account. Unauthorized Electronic Fund Transfer includes, but is not limited to, (i) point-of-sale transfers; (ii) automated teller machine transfers; (iii) direct deposits or withdrawals of funds; (iv) transfers initiated by phone; (v) transfers resulting from debit card transactions, whether or not initiated through an electronic terminal.

EXCLUSIONS

This policy does not cover:

1. Loss due to any fraudulent, dishonest or criminal act by the Subscriber or any person acting in concert with the Subscriber, or immediate Family Member, whether acting alone or in collusion with others;
2. Loss resulting directly or indirectly from any errors or omissions occurring in the following actions:
   1. the input of data to any computer system; or
   2. the processing of data bv any computer system; or
   3. the manual or electronic processing of any output produced by any computer system;
3. Loss resulting directly or indirectly from the voluntary entrusting by the Subscriber of any Access Device, in whole or in part, to any person or entity;
4. Loss resulting from any unintentional clerical error in the transfer from or debit of any account of the Subscriber which is initiated by a financial institution, or any employee(s) thereof. However, this exclusion shall not apply to a fraudulent act of an employee(s) of a financial institution where said employee(s) is acting without the permission or instruction of their employer;
5. Loss in connection with any preauthorized transfer from any account, or to any other account of the Subscriber;
6. indirect or consequential Loss of any nature;
7. Loss of potential income not realized by the Subscriber;
8. Loss other than expenses except under Stolen Funds Loss coverage;
9. Loss arising out of business pursuits of the Subscriber;
10. loss of valuable papers, valuable documents, jewelry, silverware and other personal property including the philatelic value of stamps and the numismatic value of coins not in circulation;
11. property damage, bodily injury or personal injury;
12. losses incurred from financial performance of any investment of financial product;
13. loss from games of chance;
14. as to Coverage, under Identity Fraud - Expense Reimbursement, items A - E, the recovery of actual financial losses of any kind from acts of Fraud or Identity Theft;
15. any Loss, claims or damages that are not covered under the terms and provisions of this Policy;
16. for legal fees in excess of $125 per hour unless preapproved by us;
17. any Loss which occurred while the Subscriber was not part of the Program.

CONDITIONS

1. Limits of Insurance - Our maximum limit of liability for Loss under this Policy shall not exceed the applicable limit stated on the Declarations Page.
   
   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 the Declarations Page will be the maximum amount we will pay for all covered Losses per Subscriber regardless of the number of Losses that occur for any one Subscriber during the term of the Program.
2. Loss Payment
   We will pay any Loss covered under this Policy within thirty (30) days after:
   1. We reach agreement with the Subscriber; or
   2. We receive acceptable Proof of Loss, or
   3. The entry of final judgment.
3. Notice of Claim must be given to us by the Subscriber:
   1. in writing; and
   2. within a reasonable time period after the Date of Discovery.
4. Duties When Loss Occurs – Upon knowledge or discovery of Loss which may give rise to a claim under the terms of this Policy, the insured is responsible for notifying the Subscriber of the following requirements:
   1. Give notice as soon as practicable to: (1) the appropriate authority and affected institution s, if applicable; and (2) us or any of our authorized agents; If the Loss involves a violation of law, the Subscriber shall also notify the police. The Subscriber must submit a copy of the police report when filing a claim;
   2. Filed detailed Proof of Loss with us as soon as practicable, but no later than ninety (90) days after agreement is reached with the Subscriber
   3. Upon our request, submit to examination by us, and subscribe the same, under oath if required;
   4. Upon our request, cooperate to help us enforce legal rights against anyone who may be liable to the Subscriber to include giving evidence and attending depositions, hearing and trials;
   5. Produce for our examination all pertinent records;
   6. Cooperate with us in all matters pertaining to Loss or claims;
   7. For Stolen Funds Loss reimbursement, the Subscriber must authorize the financial institution to provide certified documentation directly to us, signed by an authorized financial institution representative. This documentation must indicate that funds were fraudulently removed, the amount of the Loss, the type of the Loss suffered, and confirmation that funds are nonrecoverable from the financial institution; and
   all at such reasonable times and places as we shall designate. The Subscriber shall keep books, receipts, bills and other records in such manner that we can accurately determine the amount of any Loss.
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. Assignment - This Policy may not be assigned to another person without our written consent. We will have no liability under this Policy in the case of assignment without such written consent.
6. Other Insurance - This insurance is excess of any other valid and collectible insurance or reimbursement available to the Subscriber.
7. Action Against Us - No action may be brought against us unless there has been full compliance with all of the terms and conditions of this Policy and suit is filed within twenty-four (24) months from the date of Occurrence. No one will have the right to join us as a party to any against the Policyholder or Subscriber.
8. Cancellation of Policy - This Policy may be cancelled by the Policyholder for any reason upon thirty (30) days written notice to us.
   
   If we cancel, the return premium will be computed pro rata. If the Policyholder requests cancellation, the return premium will be computed pro rata.
   
   We may cancel this Policy by mailing to the Policyholder, at the mailing address shown in the policy, written notice at least sixty (60) days, or thirty (30) days based upon non-payment of premium, before the date cancellation takes effect. The written notice will state the reason for cancellation.
   
   When this Policy has been in effect for sixty (60) days or more, we may cancel for one or more of the following reasons:
   
   
   1. nonpayment of premium;
   2. conviction of a crime arising out of acts increasing the hazard insured against;
   3. discovery of fraud or material misrepresentation in the obtaining of the Pol ic y or in the presentat ion of a
   4. laim number
   5. fraud;
   6. failure to comply with loss control recommendations;
   Upon cancellation claim (s) for coverages under this Policy that have a proven Occurrence Date during the Policy coverage dates will be covered, should the claim be filed within ninety (90) days post cancellation and within sixty (60) days from Date of Discovery.
   
   We may elect not to renew this Policy. We may do so by delivering to the Policyholder at their address shown in the Declarations, written notice at least sixty (60) days before the anniversary date of this Policy which is written for an indefinite term. The written notice will state the reason for Nonrenewal. Proof of mailing will be sufficient proof of notice.
   
   All coverage under this policy will terminate at the same time as the Policy.
   
   All notices of cancellation and nonrenewal will contain the specific reason for cancelation and nonrenewal.
9. Concealment or Misrepresentation - This Policy is void as to any Subscriber if, at any time, said Subscriber has:
   1. intentionally concealed or misrepresented a material fact or circumstance;
   2. engaged in fraudulent conduct; or
   3. made false statements; relating to this Policy.
   We shall not be liable to any Subscriber for Loss suffered as a result of action or inaction by the Policyholder, including such action or inaction as may result in voidance of coverage.
10. Choice of Law – Any dispute arising under the policy, or with respect to the application of or interpretation of this policy, shall be governed by the laws of the state of Texas.
11. Appraisal – In the case the Subscriber and we shall fail to agree as to the actual cash value or the amount of Loss, then, on the written demand of either, each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within twenty days of such demand. The appraisers shall first select a competent and disinterested umpire; and failing for fifteen (15) days to agree upon such umpire, then on request the Subscriber or us, such umpire shall be selected by a judge of a court of record in the state in which the property covered is located. The appraisers shall then appraise the Loss, stating separately actual cash value and Loss to each item; and failing to agree, such submit their differences, only, to the umpire. An award in writing, so itemized, of any two when filed with us shall determine the amount of actual cash value and Loss. Each appraiser shall be paid by the party selecting him and the expenses of appraisal and umpire shall be paid by the parties equally.
12. Currency – All premiums, limits, retentions, Loss and other amounts under this policy are expressed and payable in the currency of the United States of America. If Losses are stated or incurred in a currency other than United States of America dollars, payment of covered Loss due under this policy will be made either in such other currency or, in United States of America dollars, at the rate of exchange published in The Wall Street Journal on the date the Insurer’s obligation to pay such Loss is established (or if not published on such date the next publication date of The Wall Street Journal).

WITNESS WHEREOF, we have caused this Policy to be signed by its authorized Company officers and countersigned (where required by law) on the Declarations Page by a duly authorized representative.