In addition to identity theft resolution assistance, McAfee Identity Protection is backed by a $1 Million Product Guarantee. If our product fails and you become a victim of identity theft while enrolled in and using McAfee Identity Protection, we will reimburse you for certain identity theft expenses such as lost wages, legal fees and stolen funds related to any account that is included on your Experian®, Equifax®, and TransUnion® credit reports.
$1,000,000 Product Guarantee
If you, your minor child or additional family member are enrolled in McAfee Identity Protection™ (hereinafter, collectively, "you" or "your") and become a victim of Identity Theft (as defined below) due to a failure of the McAfee Identity Protection product to provide the services identified in Section 7 below, ConsumerInfo.com, Inc (hereinafter "we", "our" or "us") will reimburse you for certain Identity Theft Expenses (as described in Section 3, below) subject to the terms and conditions of this Guarantee. For purposes of this Guarantee, "Identity Theft" means that your name, address, Social Security number, credit card, debit card or other personal identifying information was lost, stolen or was used without your knowledge or approval to commit fraud or other crimes. The maximum amount that we will pay you is $1,000,000 for Identity Theft Expenses as a direct result of an Identity Theft.
1. Guarantee Period
Under the $1,000,000 Product Guarantee, we will reimburse you solely for Identity Theft Expenses you incur as a direct result of an Identity Theft that occurs while you are actively enrolled in and using the above listed product and are a member in good standing ("Guarantee Period").
2. What You Must Do
During the Guarantee Period, you must take an active role in protecting yourself against Identity Theft by using McAfee Identity Protection as described below. To be eligible to seek and retain reimbursement under this Guarantee, you have an obligation to report lost or stolen credit or debit cards, review your credit report and any email or other notification we may send you and if, upon your review, you observe suspicious activity (including, but not limited to credit cards, debit cards or loans you did not apply for, credit inquiries you did not authorize, etc.) and/or suspect an Identity Theft, you must:
3. What We Will Do
Under the $1,000,000 Product Guarantee, we will reimburse you up to $1,000,000 solely for the following Identity Theft Expenses incurred as a direct result of an Identity Theft that occurs during the Guarantee Period: Stolen Funds: Funds directly stolen from you or charges that you are liable for, in each case, that are related to any credit account that is reported (or should have been reported) on any of your Experian, Equifax, or TransUnion credit reports that are provided with the product you receive from us, provided that you assign any rights you might have to us for recovery or reimbursement as further provided below;
4. What We Will Not Do
We will NOT reimburse you for any expenses, damages or losses that are not expressly described in Section 3 above, including without limitation the following types of expenses, damages or losses you incur in connection with an Identity Theft:
5. How to Request Reimbursement
To request reimbursement under the $1,000,000 Product Guarantee, you must contact Customer Support to obtain an Identity Theft Request Form. To receive reimbursement, you must submit the following documentation to one of our Fraud Resolution agents, in accordance with the requirements described in Section 2 above: (a) a completed and signed Identity Theft Request Form; (b) proof that a fraud alert was placed with either Experian, Equifax or TransUnion; (c) if applicable, a copy of any settlement agreement reached by each party (creditors, collection agency, banks, etc.) involved with an Identity Theft; (d) a copy of a police report from your local jurisdiction and provide proof that such police report was filed; (e) copies of all receipts, bills, pay stubs, court documents and other records that support the Identity Theft Expenses incurred by you.
6. Our Right to Terminate the $1,000,000 Product Guarantee
We expressly reserve the right to change the terms of, terminate and discontinue offering the $1,000,000 Product Guarantee at any time in our sole and complete discretion. We will continue to honor the $1,000,000 Product Guarantee for an Identity Theft that occurred prior to any termination of the $1,000,000 Product Guarantee.
7. The McAfee Identity Protection Product Provides the Following Services
Depending on the McAfee Identity Protection product services that you have selected and paid for during the Guarantee Period, this product includes (McAfee Identity Protection for all adults age 18 and over):
Please note that the protection of minor children does not provide three (3) bureau credit monitoring (Experian only), internet scanning, or protection for lost or stolen credit or debit cards and is not available for offline fulfillment members.
The $1,000,000 Product Guarantee is not offered, applicable or available to residents of the state of New York.