Below is a sample policy that is sent to all members of FreedomID™ Theft Protection services. All products sold by FreedomID™ Theft Protection include Resolution Services and Reimbursement Coverage.
Subject to the restrictions set forth in the notes below, FreedomID™ Theft Protection** will provide the following Resolution Services to any eligible customers receiving "LifeStages" identity management services who are identified as fraud victims.
Access To Personal Fraud Specialist - Unlimited one-on-one access to a dedicated fraud specialist may include, but is not limited to the following: Interpretation and understanding of credit reports, assistance in gathering evidence against identity fraud, working with creditors to limit damages and resolve identity theft, and follow up to make sure the problems have been resolved.
Placement Of Fraud Alerts - At the eligible customer's election, fraud specialist-assisted notification to place fraud alerts with Trans Union, which are then passed to Experian and Equifax. Facilitation paid by FreedomID™ Theft Protection**.
Access To Identity Theft Resolution Center - Eligible customers have unlimited access to our experienced fraud specialist via a toll-free number to answer questions and resolve identity theft issues.
Assistance Filing Police Report - FreedomID™ Theft Protection** will direct the eligible customer in filing the police report by indicating the information that should be included in the report. May include but is not limited to the following; counseling breach notification recipient to list specific accounts that have been accessed, fraudulently charged, and/or fraudulently created. FreedomID™ Theft Protection** will assist, where possible, in setting up an appointment with police personnel for either: (a) in-person meeting to file report; or (b) phone meeting to file report.
Fraud Victim Affidavit - At the eligible customer's election, FreedomID™ Theft Protection** fraud specialist will assist in the creation of the eligible customer's affidavit.
Credit Grantor Notification - FreedomID™ Theft Protection** will assist the eligible customer with all phone calls and all documents required to facilitate notification to credit grantors.
Governmental Agency and Association Notification - At the eligible customer's election, FreedomID™ Theft Protection** will provide assistance with notification to applicable government agencies or associations. The nature of the assistance and the applicable government agencies is going to be determined on a case-by-case basis depending upon the nature of the account takeover or identity theft. Freedom ID™ Theft Protection** will notify and work with applicable government agencies on behalf of the eligible customer, to the extent possible and allowed by law and to the extent that the eligible customer wishes. Some of the government agencies that may be notified of the fraud, if necessary, could include but is not limited to: A) The Applicable State's Department of Motor Vehicles B) County Records/Recorders Offices C) County Tax Assessors D) U.S. Passport Offices E) I.R.S.
*Note that FreedomID™ Theft Protection** will only notify and work with "applicable" government agencies. In a situation where the fraud is limited to check fraud, or new accounts being created, there would be no need to contact the I.R.S. However, if an illegal alien is using an eligible customer's social security number (SSN), involving the I.R.S.'s fraud department may be necessary to make sure that the fraud victim isn't responsible for the additional tax burden created by the additional income erroneously reported on their SSN.
Credit Monitoring Provided To Fraud Victims - At the eligible customer's election, enrollment will be for one year of credit monitoring with email alerts, which includes a credit report. Changes in eligible customer's credit file will be monitored to identify fraudulent activity and measure the progress of resolution. Credit products paid by FreedomID™ Theft Protection**.
Fraud Monitoring Provided To Fraud Victims - At the eligible customer's election, enrollment will be for one year of fraud monitoring with baseline reports and email alert notification. Electronic notification will be sent to fraud victim of changes in personal identifiers such as social security number, DMV, address, etc., in more than 1000 monitored databases. Identifies additional frauds and measures the progress of resolution. Monitoring paid by Freedom ID™ Theft Protection**.
Creation Of A Comprehensive Case File - FreedomID™ Theft Protection** provides a comprehensive case file available for eligible customer presentation to company for insurance claims and to law enforcement. FreedomID™ Theft Protection** will create a comprehensive case file during the resolution process that documents identified fraud and resolution work. This can be used by law enforcement and prosecuting attorneys to assist the prosecution of perpetrators of identity theft. This case file could also be used if there is a claim filed by a fraud victim with the company for reimbursement pursuant to an identity theft reimbursement or other applicable insurance policy to determine the nature, extent and/or validity of an identity theft claim.
Active Post Fraud Follow Up - Once the case is determined to be "CLOSED", the eligible customer will receive a six (6) month follow up from their fraud specialist to make sure that there is no more activity and that identity resolution has been successful. Since identify-related information is ever growing, there is still the opportunity for an identity thief to commit further fraud once a case has been closed.
Summary Description of Benefits for the Personal Internet & Identity Coverage Master Policy
This Summary is provided to inform you that as a member of FreedomID™ Identity Theft Protection, you are entitled to benefits under the Master Policy referenced below. This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Policy. Your benefits will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Policy will be provided upon request.
The Master Policy of Personal Internet Identity Coverage has been issued to: FreedomID/Identity Theft 911, LLC. (the “Master Policy Holder”), under Policy Numbers: [1423614 and 7080119], respectively underwritten by insurance company subsidiaries or affiliates of Chartis Inc., to provide benefits as described in this Summary Description of Benefits.
Should you have any questions regarding the Membership Program provided by the Master Policyholder, or wish to view a complete copy of the Master Policy, please email customer service at email@example.com.
Limit of Insurance
Aggregate Limit of Insurance: $25,000 per policy period
Lost Wages: $1,000 per week, for 4 weeks maximum
Travel Expenses: $1,000
Elder Care and Child Care: $1,000
Initial Legal Consultation: $1,000
Deductible: $0 (zero) per policy period
We shall pay you for the following:
i. Reasonable and necessary costs incurred by you in the United States for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity event;
ii. Reasonable and necessary costs incurred by you in the United States for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report a stolen identity event and/or amend or rectify records as to your true name or identity as a result of a stolen identity event;
iii. Reasonable and necessary costs incurred by the insured for up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after your knowledge or discovery of a stolen identity event.
iv. Costs approved by us, for providing periodic reports on changes to, and inquiries about the information contained in the insured’s credit reports or public databases (including, but not limited to credit monitoring services);
v. Cost of travel within the United States incurred as a result of the insured’s efforts to amend or rectify records as to the insured’s true name and identity; and
vi. Costs for elder care or child care incurred as a result of the insured’s efforts to amend or rectify records as to the insured’s true name or identity.
b) Lost Wages
Actual lost wages earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off work and away from your work premises solely as a result of your efforts to amend or rectify records as to your true name or identity as a result of a stolen identity event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days excludes business interruption or future earnings of a self-employed professional. Computation of lost wages for self-employed persons must be supported by, and will be based on, prior year tax returns. Coverage is limited to wages lost within twelve months after your discovery of a stolen identity event.
c) Legal Defense Fees and Expenses
Reasonable and necessary fees and expenses incurred in the United States by you with our consent for an attorney approved by us for:
i. An initial consultation with a lawyer to determine the severity of and appropriate response to a stolen identity event;
ii. Defending any civil suit brought against you by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of a stolen identity event; and
iii. Removing any civil judgment wrongfully entered against you as a result of the stolen identity event.
iv. Defending criminal charges brought against the insured as a result of a stolen identity event; provided, however, we will only pay criminal defense related fees and expenses after it has been established that the insured was not in fact the perpetrator.
A stolen identity event is the theft or your personal identification, social security number, or other method of identifying you, which has or could reasonably result in the wrongful use of such information. All loss resulting from stolen identity event(s) and arising from the same, continuous, related or repeated acts shall be treated as arising out of a single stolen identity event occurring at the time of the first such stolen identity event. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a or any other method of identifying your business activity.
Identity Theft Expense Reimbursement Coverage description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the Summary of Benefits and actual policies for terms, conditions, and exclusions of coverage. Coverage for all claims depends on actual policy provisions. Coverage may not be available in all jurisdictions.
Identity fraud expense reimbursement insurance is underwritten by Chartis, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of hte policies described. Please refer to the Summary of Benefits and actual policies for terms, conditions, and exclusions of coverage. Coverage for all claims depends on actual policy provisions. coverage may not be available in all jurisdications.
**FreedomID™ Theft Protection resolution services are underwritten and provided by IDTP911, Inc.