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.
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.
Your benefits begin on the effective date stated in the welcome email/letter.
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you contact Zander Identity Theft Solutions to request termination of this Agreement, or if your payment method is no longer valid.
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
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.
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:
Lost Wallet Protection:
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.
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.
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)
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:
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.
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.
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.
You may contact us by telephone at 800-356-4282 extension 3541 or firstname.lastname@example.org.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Last modified: April 25, 2017
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 applies to information We collect:
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.
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:
We collect this information:
The statistical data We collect helps us to improve our Website and to deliver a better and more personalized service by enabling us to:
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:
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.
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.
We use information that We collect about you or that you provide to us, including any Personal Information:
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.
We may disclose aggregated information about our users without restriction.
We may also disclose your Personal 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 email@example.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.
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 firstname.lastname@example.org
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.
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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.
We will provide the insurance described in this Policy to Subscribers in return for:
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.
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:
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 .
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.
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:
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:
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
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.
This policy does not cover:
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.