Zander Identity Theft Solutions Benefits Description

Introduction

This is a summary of the terms and conditions of your benefits coverage with Zander Identity Theft Solutions. The full policy is available upon request. Please read this material carefully. If you have any questions about the Program or your benefits, please contact us.

When Your Benefits Start

Benefits begin immediately on the date the premium is received.

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you contact Zander Identity Theft Solutions to request termination of this Agreement, or if your payment method is no longer valid.

Eligibility

Individual plans cover the named member only. Family plans cover the primary member and an additional adult in the same household. This is typically a spouse, but it may also be the primary member’s domestic partner, parent, sibling, adult child, or other person residing in the primary member’s household. Family memberships also include monitoring and restoration services for up to 10 dependents residing in the primary member’s household. Monitoring services for dependents will end at the dependent’s 18th birthday. However, unmarried dependents residing in the primary member’s household remain eligible for restoration benefits under the primary member’s plan. This includes dependents with documented disabilities who have the same primary residence as the primary member and who rely on the member for maintenance and support. A dependent who does not reside at the primary member’s home is not eligible for coverage EXCEPT unmarried children under twenty-six (26) years of age IF a full-time student at an accredited college or university.

Description of Benefits

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

1. Monitoring Services

   1. 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.
   2. Change of Address – monitors for requests to re-route mail on behalf of members.Social
   3. 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 prevent all ID theft events.

2. Identity Theft Restoration 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 Stolen Funds and Expense Reimbursement Benefits – up to $1,000,000

   Some examples of reimbursable expenses incurred as a result of identity theft include: lost wages, legal expenses up to $125 per hour, document notarization, credit freezes, filing fees, child or elderly care, ordering medical records, replacement of identification cards, etc. For full details on our expense reimbursement benefits, including timing requirements and exclusions, please Review the Identity Theft Reimbursement Benefits.

4. Unauthorized Electronic Fund Transfer / Cash Recovery Reimbursement – up to $1,000,000

   Participants who are victims of identity theft, including fraud, embezzlement, theft, or forgery will be reimbursed for unauthorized electronic fund transfers initiated by a person other than the member without the actual authority to initiate such transfer and from which the association member receives no benefit. For full details on our cash recovery benefits, including timing requirements and exclusions, please Review the Identity Theft Reimbursement Benefits.

Cancellation

We offer the option of paying monthly or annually. If you are on a monthly membership plan and decide to cancel your service, there will be no refund and your plan will remain open until 1 day prior to your next billing date. Annual memberships may be refunded on a pro-rated basis.

Contact Us

You may contact us by telephone at 800-356-4282 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, and Privacy Policy, found at https://www.zanderins.com/privacy-policy, 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.