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"Identity Theft Statistics are spinning out of control. Your personal information is on file everywhere and thieves are stealing it to not only establish credit, but they use it for employment, insurance, benefits and social security fraud. It’s crucial to have a thorough protection plan that helps minimize your risk, and takes over all the time consuming work if you do become a victim. Other programs offering credit monitoring and fraud alerts only deal with part of the problem. I worked with Zander Insurance to help make sure their program was the most comprehensive and affordable plan available. That’s why I bought it for my family, my team members and recommend it for all my listeners and their families."
- DAVE RAMSEY

IDSafeguards Benefits Description

Introduction
This Benefits Description contains the terms and conditions of your benefits coverage with ID Experts. 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, and/or children under the age of 25 who permanently live in your residence at the time of the identity theft event.

When Your Benefits Start
Your benefits begin on the effective date stated in the welcome letter, which accompanied this Benefits Description.

When Your Benefits End
Your benefits are in effect for exactly one year after the effective date stated in the welcome letter, and will renew

Description of Benefits

1. DEFINITIONS (used in this Benefits Description )
1. “Program” means the ID Experts Program of personalized identity theft protection and recovery services and loss reimbursement.
2. “Identity Theft Event” means the theft of a Participant’s personal identification, including a Social Security number 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 ID Experts.
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 Policy (“PIIC”) issued by American International Specialty Lines Insurance Company.
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 ID Experts, together with the PIIC Policy provided by American International Specialty Lines Insurance Company (“AISLIC””). The following is a list of the benefits for which you are eligible:
1. Identity Theft Protection Benefits
1. Protection Test. We offer a Protection Test to all Participants. The test is available in the Member Services section of our Web site.
2. Protection Plan. When you take the Protection Test on our Web site, you automatically receive a customized Protection Plan based upon your responses.
3. Fraud Report Access. Fraud reports (updated periodically) are available in the Member Services section of our Web site. These fraud reports provide fraud warnings and contain suggestions on ways to help reduce the chances of becoming a victim of identity theft.
4. Personal Protection Advisory newsletter. Members will receive a monthly Personal Protection Advisory newsletter via email.
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 activate the members of our Recovery Team needed to help with the recovery process. They will create a Damage Assessment and 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.
3. Identity Theft Lost Income and Expense Reimbursement
   Participants who discover that they are victims of identity theft while enrolled in the program will have their allowable costs for lost wages, legal defense fees and expenses (e.g., credit reports, legal fees for some civil suits, fees for refiling loan applications, etc.) associated with the identity theft event reimbursed through the PIIC Policy up to the Policy limits. There is no deductible applicable to the reimbursement. Reimbursement is subject to review of the expenses and lost income you submit.
4. 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 90 days after it is discovered by you. You will only be eligible for the recovery and reimbursement benefits if the identity theft event is reported to us within 90 days of discovery.


3. PROGRAM COVERAGE EXCLUSIONS
1. You will not be covered if the identity theft event occurs after termination of your membership in the Program. If you want assistance with the recovery process for a post-membership identity theft event, you can purchase recovery services from us by paying the standard fees, plus expenses.
2. Participants must abide by all applicable State and Federal laws, and report illegal activities and fraud to appropriate legal authorities. Failure to do so will terminate their membership and all Program benefits.

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. Your Recovery Advocate will send you a Time and Expense Form so you can 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). To obtain reimbursement, we will require that you complete this form properly and submit it to us upon our request. Along with your Time and Expense Form, you will need to submit a Claim Form (which we will provide). We will then submit the forms to the AISLIC Claims Department within 14 days of the closure of your case. You will receive reimbursement for your allowable expenses and lost income after your case closes.

Benefits Coordination with Other Theft Coverage
The Program’s lost income and expense reimbursement services are available to you even if you have identity theft insurance with another company. For example, homeowner’s policies and credit card companies frequently provide such coverage. However, if you become a victim of an Identity Theft Event, you must seek reimbursement from that company first, up to its policy limits. Then, if you do not receive full reimbursement of your expenses and lost income associated with the recovery process under that coverage, you would be eligible to receive the difference, up to the limits of and subject to the terms and conditions of the PIIC Policy.

Cancellation Policy
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.