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This website (the “Site”) is owned and/or operated by LIRA Processing, LLC, dba ShieldSafe (“ShieldSafe”, “We”, or “Us”) and is subject to the Terms of Service, Privacy Policy, and other legal notices posted on the Site, and these Terms and Conditions, which you should read before proceeding.
This document sets forth the terms and conditions applicable to your use of the products and services offered by ShieldSafe (collectively, the “Services”), including the Identity Protection Program ("IDP") that is accessible through the Experian (collectively, the “Terms”).
You are agreeing to these Terms when you sign up for or use the Services and any time you access or use the Services. You agree that you will use ShieldSafe IDP only for your own behalf. You will be responsible for all use of your membership number and must notify ShieldSafe immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number.
You understand that by enrolling in the ShieldSafe IDP service, You are providing "written instructions" in accordance with the federal Fair Credit Reporting Act, as amended (“FCRA”), for ShieldSafe and its service providers, which may include CSIdentity Corporation (“CSID”), to obtain information from your personal credit profile from Experian, Equifax, and Transunion, the three major credit reporting agencies. You authorize CLIENT and its service providers to use your Social Security number to access your personal credit profile, to verify your identity, and to provide credit monitoring, reporting, and scoring products.
We encourage you to read our Terms carefully, specifically the automatic renewal terms and mandatory arbitration, if applicable, which significantly affect your legal rights.
IN PARTICULAR, THESE TERMS CONTAIN AN ARBITRATION AGREEMENT THAT REQUIRES USERS TO RESOLVE DISPUTES WITH SHIELDSAFE OR ITS AFFILIATES THROUGH ARBITRATION ON AN INDIVIDUAL BASIS. ARBITRATION ON AN INDIVIDUAL BASIS MEANS THAT YOU WAIVE THE RIGHT FOR A JUDGE OR JURY TO DECIDE YOUR CLAIMS, AND THAT YOU MAY NOT PROCEED IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE CAPACITY. SEE SECTION 2 BELOW FOR THE DETAILS OF THE ARBITRATION AGREEMENT.
A. Our Services are generally billed on a subscription basis (“Subscription”). If applicable and you elect to enroll in a Subscription, you will be billed in advance for your Subscription on a recurring and periodic basis (“Billing Cycle”). Billing Cycles consist of one (1) month terms (“Subscription Term”). You agree to pay for the Subscription that you select. You also authorize us to automatically charge the payment method our service provider has on file based on the Billing Cycle applicable to your Subscription.
B. At the end of each Billing Cycle, your Subscription will automatically renew for an additional Billing Cycle at the price shown in your account dashboard or otherwise communicated to you by us (“Renewal Price”) unless: (a) you or we have canceled your Subscription at least one (1) day prior to the commencement of your next Billing Cycle or in accordance with Section 1.C or (b) an event under Section 1.E occurs in which case we will give you prior notice according to that Section. We will email you in advance to let you know your Subscription is due for renewal.You may cancel your Subscription by contacting us via the phone number in your account dashboard which at the time of publishing is 800-856-8118, or by logging into your account. Once we or you have canceled your Subscription, your recurring subscription fees for the Services will no longer be charged to the payment method we have on file for your account, and your Subscription will remain active only until the end of the current Billing Cycle.
C. Certain Services may include a Money Back Guarantee if you are not satisfied for any reason. If a Money Back Guarantee is offered for the Services, the terms of the Money Back Guarantee will be visible in your account profile.
D. A valid payment method is required to process the payment for your Subscription. You shall provide us or our third-party payment processor with accurate and complete billing information which may include full name, address, state/province/territory, zip/postal code, and valid payment method information. By submitting such payment information, you automatically authorize us to charge all Subscription fees incurred through your account to any such payment instruments.
Unless we expressly provide otherwise, all amounts paid are non-refundable. You further agree to be responsible for any applicable state/provincial/territorial, federal or other taxes that may be associated with the Services, including sales taxes, along with any transaction fees and currency conversions added by your financial institution and intermediaries. All amounts are in U.S. Dollars.
If your Payment Card is declined when we attempt to charge it, we may try to charge it again at a later time. If we do not receive payment, we may suspend or terminate your Subscription.
E. We may change the fees that we charge for the Services at any time at our sole discretion, provided that we will give you at least thirty (30) days of prior notice of such changes. Unless otherwise specified in such notice to you, any changes to the Subscription fees will take effect in the Billing Cycle immediately following our notice to you.
PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.
SUMMARY:
MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER'S SATISFACTION BY CALLING CUSTOMER SERVICE AT 800-856-8118. IN THE UNLIKELY EVENT THAT CUSTOMER SERVICE IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE WITH SHIELDSAFE OR IT’S SERVICE PROVIDER(S) TO YOUR SATISFACTION (OR IF SHIELDSAIFE AND/OR ITS SERVICE PROVIDER(S) HAVE NOT BEEN ABLE TO RESOLVE A DISPUTE WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), YOU, ON THE ONE HAND, AND SHIELDSAFE AND/OR ITS SERVICE PROVIDER(S), ON THE OTHER, EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. WE WILL PAY ALL COSTS OF ARBITRATION, NO MATTER WHO WINS, SO LONG AS YOUR CLAIM IS NOT FRIVOLOUS. HOWEVER, IN ARBITRATION, YOU, ON THE ONE HAND, AND SHIELDSAFE AND/OR ITS SERVICE PROVIDER(S), ON THE OTHER, WOULD BE ENTITLED TO RECOVER ATTORNEYS’ FEES FROM EACH OTHER PARTY TO THE SAME EXTENT AS YOU AND THEY WOULD BE IN COURT.
If your Payment Card is declined when we attempt to charge it, we may try to charge it again at a later time. If we do not receive payment, we may suspend or terminate your Subscription.
E. We may change the fees that we charge for the Services at any time at our sole discretion, provided that we will give you at least thirty (30) days of prior notice of such changes. Unless otherwise specified in such notice to you, any changes to the Subscription fees will take effect in the Billing Cycle immediately following our notice to you.
Arbitration Agreement:
You, on the one hand, and ShieldSafe and/or its service provider(s), on the other, agree that any claim or dispute (“Claim”) between us shall, to the maximum extent permitted by applicable law, at the election of any one of us, be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its rules for consumer arbitrations. It is the parties' intent that this arbitration provision be construed broadly, including that this arbitration agreement include any Claims by you against ShieldSafe or its service provider(s) as well as their respective corporate affiliates for claims arising out of this Agreement directly related to the Services or product/service websites. You agree that, by entering into this Agreement, You, ShieldSafe and its service provider(s) are each waiving the right to a trial by jury or to participate in a class action, to the maximum extent permitted by applicable law. A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to ShieldSafe and/or its service provider(s) should be addressed to ShieldSafe Attn: Legal Department 503 Pearl Dr. Saint Peters, Mo. 63376 (“Notice Address”). The Notice must describe the nature and basis of the claim or dispute and set forth the specific relief you seek from ShieldSafe and/or its service provider(s) (“Demand”). If ShieldSafe and/or its service provider(s) and you do not reach an agreement to resolve the claim within thirty (30) days after the Notice is received, you or ShieldSafe may commence an arbitration proceeding. At your request, we will promptly reimburse you for your payment of your arbitration filing fee. (The filing fee currently is $200 for claims under $10,000 but is subject to change by the arbitration provider. If you are unable to pay this fee, we will pay it directly after receiving a written request). The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual Claim. YOU, ON ONE HAND, AND SHIELDSAFE AND/OR ITS SERVICE PROVIDER(S), ON THE OTHER, AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 2. Further, unless both You and ShieldSafe agree otherwise, the arbitrator may not consolidate more than one person's Claims, and may not otherwise preside over any form of a representative or class proceeding to the maximum extent permitted by applicable law. If this specific provision in the preceding sentence is found to be unenforceable, then the entirety of this arbitration provision in this Section 2 shall be null and void.
YOU AND SHIELDSAFE AND/OR ITS SERVICE PROVIDER(S) AGREE THAT IN THE EVENT THAT MASS ARBITRATION IS ATTEMPTED OR SOUGHT, SUCH ARBITRATION SHALL BE ADMINISTERED PURSUANT TO THE FOLLOWING RULES. (1) For the purposes of this Agreement “Mass Arbitration” means 25 or more arbitration demands that: (i) are filed within 180 days of each other, (ii) allege similar or identical claims or causes of action, and (iii) either (a) the parties to those arbitration demands seek to simultaneously or collectively administer and/or arbitrate together, or (b) are filed by the same counsel or in coordination with each other. (2) In the event that Mass Arbitration is attempted or sought involving 250 arbitration demands or less, you and ShieldSafe and/or its service provider(s) agree the arbitration provider shall: (i) group the arbitration demands into batches of no less than 25 arbitration demands per group; and (ii) provide for resolution of each group or batch as a single arbitration with one set of filing and administrative fees and a single arbitrator assigned per group or batch. In the event that Mass Arbitration is attempted or sought involving over 250 arbitration demands, you and ShieldSafe and/or its service provider(s) agree that the arbitration provider shall: (i) group the arbitration demands into batches of no less than 250 arbitration demands per group; and (ii) provide for resolution of each group or batch as a single arbitration with one set of filing and administrative fees and a single arbitrator assigned per group or batch. All Mass Arbitration shall be subject to all other substantive and procedural terms contained within this Agreement. (3) If any part of the preceding sentences in (1) and (2) is found to be unenforceable, the unenforceable portion shall be stricken, and the remainder of the sentences and this Agreement shall be enforced to the maximum extent permitted by law.
Notwithstanding any of the foregoing provisions, any party may bring an individual action in small claims court. The parties to this Agreement acknowledge that this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”). Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow substantive law to the extent consistent with the FAA and shall honor any claims or privileges recognized by law. The terms of this Section 2 shall survive any termination, cancellation or expiration of this Agreement.
TO THE FULLEST EXTENT PERMITTED UNDER LAW, SHIELDSAFE AND/OR ITS SERVICE PROVIDER(S) WILL HAVE NO OBLIGATION OR LIABILITY (WHETHER ARISING IN CONTRACT, WARRANTY, TORT, INCLUDING NEGLIGENCE, PRODUCT LIABILITY, OR OTHERWISE) FOR ANY DAMAGES OR LIABILITIES, INCLUDING DIRECT, INCIDENTAL, INDIRECT, SPECIAL, OR CONSEQUENTIAL (INCLUDING ANY LOSS OF DATA, REVENUE OR PROFIT OR DAMAGES ARISING FROM PERSONAL INJURY/WRONGFUL DEATH) ARISING CONCERNING YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES TO DAMAGES ARISING FROM (i) USE OF OR INABILITY TO USE THE SERVICES, (ii) COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS BY THIRD PARTIES, (iv) THIRD-PARTY CONTENT MADE AVAILABLE TO YOU THROUGH THE SERVICES, OR (v) ANY OTHER MATTER RELATING TO THE SERVICES.
NEITHER SHIELDSAFE, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS SHALL HAVE ANY LIABILITY TO YOU AS AN AGENT IN OBTAINING COPIES OF: YOUR PERSONAL CREDIT REPORT, CREDIT ALERT REPORT, QUARTERLY UPDATE, OR CREDIT SCORE. NEITHER SHIELDSAFE, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, FOR THE ACCURACY OF THE INFORMATION CONTAINED IN OR PROVIDED IN CONJUNCTION WITH THE SHIELDSAFE IDP SERVICE. NEITHER SHIELDSAFE, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS ASSUME ANY LIABILITY FOR DAMAGES (WHETHER DIRECT OR INDIRECT, CONSEQUENTIAL, INCIDENTAL OR EXEMPLARY), IN CONNECTION WITH OR IN ANY WAY RELATED TO THE PERFORMANCE OF THE SERVICES OR YOUR REQUEST, USE OR ATTEMPTED USE OF THE SERVICES OR ANY DATA OR INFORMATION THEREFROM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY. NEITHER SHIELDSAFE, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS ARE RESPONSIBLE FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY REPORTS YOU RECEIVE AS PART OF THE SERVICE. THE AGGREGATE LIABILITY OF ALL SUCH PARTIES TO YOU IN ANY EVENT IS LIMITED TO THE AMOUNT WHICH YOU HAVE PAID CLIENT FOR YOUR MEMBERSHIP. SHIELDSAFE IDP IS NOT A CREDIT COUNSELING SERVICE AND DOES NOT PROMISE TO HELP YOU OBTAIN A LOAN OR IMPROVE YOUR CREDIT RECORD, HISTORY, OR RATING. THE TERMS OF THIS SECTION SHALL SURVIVE ANY TERMINATION, CANCELLATION, OR EXPIRATION OF THIS AGREEMENT.
Our Services are not available to persons who are not Eligible or to any users previously suspended, terminated, or removed from the Services by ShieldSafe. “Eligible” means that you reside in the United States of America and you are 18 years of age. By downloading, using, or accessing the Services, you represent and warrant that you are Eligible.
If ShieldSafe does not receive all the required personal information (which is necessary to provide the Services) during the enrollment process to provide the features in the Subscription plan you selected, you agree that we may use our databases, or other resources to attempt to complete the required information on your behalf. If you do not provide this information, if we cannot verify your identity or if our service providers are unable to successfully provide the features in the Subscription plan you’ve selected based on the information you have provided, we may refuse to allow you to use certain features (for example, some credit based features), and we may automatically enroll you in a version of our Services that has fewer features (for example, only including non-credit features).
Your use of the site is subject to all applicable laws and regulations, and you are solely responsible for the contents of your communications through the site. You agree not to post any information on or through this site that:
A. Is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates our rules or policies;
B. Victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
C. Infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;;
D. Constitutes unauthorized or unsolicited advertising, junk or bulk email (also known as “spamming”), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
E. Contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
F. Impersonates any person or entity, including any of our employees or representatives.
Third party content may appear on the site or on other sites to which you can link from the site. This content, and the parties creating it, are not under our control, and you acknowledge that we are not responsible for its accuracy, legality, decency, or any other aspect of it, nor are we responsible for errors or omissions in any references to other parties or their products and services. The inclusion of such content or links or references thereto is provided merely as a convenience and does not imply endorsement of, or association with, the site or party by us, or any warranty of any kind, either express or implied.
To the fullest extent permitted by law, you agree to indemnify and hold ShieldSafe, its affiliates, agents, suppliers, vendors, contractors, resellers, third-party partners, and licensors, and each of their respective contractors, subcontractors, officers, directors, shareholders, employees, agents, and its third-party suppliers, licensors, and partners (collectively, the “ShieldSafe Entities”) harmless from any claims, losses, damages, liabilities, including legal fees and expenses, arising out of your use and misuse of the Services, any violation by you of these Terms, or any breach of the representations, warranties, and covenants made by you herein. ShieldSafe reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify the ShieldSafe Entities, and you agree to cooperate with ShieldSafe’s defense of these claims. ShieldSafe will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.
TO THE FULLEST EXTENT PERMITTED UNDER LAW, AND EXCEPT WHERE EXPRESSLY PROHIBITED BY LAW, SHIELDSAFE disclaims all warranties, statutory, express, or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No information, whether oral or written, obtained by you from ShieldSafe or through the Services will create any warranty not expressly stated herein. You expressly agree that the use of the Services is at your sole risk. The Services and any data, information, third-party software, services, or applications made available in conjunction with or through the Services are provided on an “as is” and “as available”, “with all faults” basis and with no assurances that the Services will withstand attempts to evade security mechanisms or that there will be no cracks, bugs, disablements or other circumvention. ShieldSafe does not warrant that the Services will be uninterrupted or free of errors, viruses, or other harmful components and does not warrant that any of the foregoing will be corrected. You understand and agree that if you use, access, or download the Services, or otherwise obtain or transmit materials, data, or other content while using the Services, you do so at your discretion and risk.
The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The 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 actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
These Terms do not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency, or franchisor-franchisee relationship between you and ShieldSafe.
You acknowledge and agree that we are not providing any legal, tax, or financial advice by providing the Services to you. We are also not a credit repair agency and use of the Services will not repair your credit or improve your creditworthiness.
We respect your privacy and have taken specific steps to help protect it. Your submission of personal information through the Services is governed by our Privacy Policy. By participating in the Services, you acknowledge that you have reviewed and understand our Privacy Policy and consent to the practices described in that policy.
ShieldSafe may terminate your use of the Services or discontinue providing access to the Services at any time and for any reason, including, but not limited to any actual or suspected breach by you of these Terms or any other unacceptable or objectionable use of the Services, as determined by ShieldSafe in its sole discretion. You agree that any termination of your access to the Services may be affected without prior notice and you agree that ShieldSafe will not be liable to you or any third-party for any such termination.
You may terminate these Terms at any time by discontinuing use of the Services, deleting your account with the Services, and uninstalling any software downloaded in connection with your use of the Services.
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you but may be assigned by ShieldSafe without restriction. Any assignment attempted to be made in violation of these Terms shall be void.
These Terms constitute the entire agreement and understanding between us concerning the subject matter hereof and supersedes all prior agreements and understandings of the parties with respect thereto. These Terms may NOT be altered, supplemented, or amended by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for products or services which are subject to additional or altered terms and conditions shall be null and void, unless otherwise agreed to in a written agreement signed by you and us. To the extent that anything in or associated with this site is in conflict or inconsistent with these Terms of Use, these Terms of Use shall take precedence.
These Terms will be governed by and construed by the laws of the State of Missouri, exclusive of its choice of law principles.
In the event of a dispute that is not subject to the Arbitration Agreement in these Terms, or if the Arbitration Agreement is found to be unenforceable any action at law or in equity arising out of or relating in any way to these Terms or your use of the Services, except any claim properly lodged in a Small Claims Court of the United States, will be filed only in the state or federal courts located in St. Charles, Missouri, and you hereby consent and submit to the personal and exclusive jurisdiction of such courts to litigate any such action. You further agree that any such claims will be brought solely on an individual basis and not as part of any class, consolidated, or representative capacity.
TAll notices must be in writing and will be deemed given when: (a) verified by a written receipt, if sent by postal mail with verification of receipt service or courier, (b) received, if sent by postal mail without verification of receipt, or (c) verified by automated receipt or electronic logs if sent by email, provided that no bounce or other technical error message was received in response. Notices to ShieldSafe must be sent to LIRA PROCESSING, LLC 503 Pearl Dr. Saint Peters, Mo. 63376 marked to the attention of the Legal Department, with a copy emailed to cst@shieldsafe.com. Email alone is insufficient for providing non-routine legal notices to ShieldSafe such as notices related to disputes or arbitration, indemnification claims, breach notices, and termination notices (“Non-Routine Notices”) to ShieldSafe. You may grant approvals, permission, extensions, and consents by email. Notices to you may be sent to the email address associated with your account for the Services. You consent to receive certain electronic communications from us in connection with your use of the Services. You agree that any notices or other communications sent to you electronically will satisfy any legal notice requirements. You must keep contact details associated with your account and accurate, and you will notify Aura in writing of any changes to such details.
If any provision of these Terms is held to be unlawful, void, or for any reason is unenforceable, then that provision will be limited or eliminated from these Terms to the minimum extent necessary and will not affect the validity and enforceability of any remaining provisions.
The failure of ShieldSafe to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by a properly authorized representative of ShieldSafe. Any cause of action arising out of or related to the Service by you against ShieldSafe must commence within one (1) year after the cause of action accrues
Upon termination or expiration of these Terms for any reason, such terms as by their nature would survive termination shall survive. In particular, Indemnification, Limitation of Liabilities and Damages, Binding Arbitration, Entire Agreement, Governing Law and Jurisdiction, Trademark and Copyright will survive.
ShieldSafe may make changes to these Terms at any time for a variety of reasons, such as to reflect changes in applicable law or to account for additional features or functionality in the Services. We may notify you of such changes by any reasonable means, including by posting a revised version of these Terms through the Services. You agree that it is your responsibility to regularly check the Services for any updated Terms. By continuing to use or access any of the Services or otherwise engaging with Aura after we post any changes, you accept the updated Terms. The “Last Updated” legend above indicates when these Terms were last changed. If a revision materially alters your rights, as determined by ShieldSafe in its sole discretion, we will use reasonable efforts to notify you in advance of the change becoming effective, which may include sending a notification to the e-mail address(es) associated with your account or displaying a pop-up or banner within the Services. In any case, the most current version of these Terms will be posted on the Services. Changes will be effective no sooner than the last updated date. By continuing to use the Services after the date the changes become effective, you indicate your agreement to be bound by the updated Terms. If you do not agree to any changes made to these Terms, you must immediately stop using the Services.
If you have any questions about these Terms, please contact us at the below address or by contacting us via the phone number or email address in your account dashboard which at the time of publishing is 800-856-8118 and cst@shieldsafe.com
ShieldSafe Customer Service
503 Pearl Dr.
Saint Peters, Mo. 63376
Your use of the Services is subject to both the Terms (see above) and these Service Specific Terms. These Service Specific Terms apply to you only if you have purchased or use one or more of the particular Services discussed below. Please note that not all of the Services are available. Use of the term “Services” in the remainder of these Service Specific Terms refers to the specific products or services being discussed, as well as any related software offered by ShieldSafe. The following Services are covered in these Service Specific Terms:
The Experian 1 Bureau Credit Report captures financial information from Experian that lenders can use to determine a Subscriber’s creditworthiness. Credit reports include information about the Subscriber’s type of credit accounts, current balances, payment history, public records, debts, hard inquiries, and negative information.
This Service alerts Subscribers to key changes in their credit report by providing daily monitoring features that notify them when early indicators of potential fraud are detected.
VantageScore 3.0 Credit Score, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So, your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
Provides Subscribers with a summarized view of their credit standing, a point-in-time snapshot of their Experian credit file, and score factors that help them understand what financial activities are impacting their credit score.
This Service monitors financial institution data for compromises to Subscriber's accounts. This includes sending alerts if someone tries to open a new bank account in the Subscriber’s name or changes to the Subscriber’s personal information on an existing account. Product monitors for specific Demand Deposit Account (DDA) activity, such as the following. The database for this Service is updated daily.
Each Subscriber must pass credit authentication before the Subscriber may access his or her credit reports, credit scores and/or credit alerts, SSN Trace reports, SSN trace alerts, and Financial Account Takeover alerts.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So, your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
Provides Subscribers with a summarized view of their credit standing, a point-in-time snapshot of their Experian credit file, and score factors that help them understand what financial activities are impacting their credit score.
This Service monitors financial institution data for compromises to Subscriber's accounts. This includes sending alerts if someone tries to open a new bank account in the Subscriber’s name or changes to the Subscriber’s personal information on an existing account. Product monitors for specific Demand Deposit Account (DDA) activity, such as the following. The database for this Service is updated daily.
Alerts the Subscriber when there is a request to change an address through the U.S. Postal Service using the Subscriber’s information, including, without limitation, first and last name, address, city, state, zip code, and date of birth. This action could indicate identity theft.
The CyberAgent® Dark Web Monitoring, CSID’s proprietary surveillance technology, scans hidden internet sites, networks, and chat rooms known for illegal commerce of Subscriber personal information. Upon enrollment, CyberAgent® searches 15 years' worth of data, checking thousands of websites and millions of data points for compromises to a Subscriber's identity. After the first scan, Subscribers will receive an alert if a daily database check detects a match to their information.
*Child monitoring includes up to 10 children under the age of 18. One-time Parent/Legal Guardian verification is required to receive alert details for children.
This Service provides reimbursement for Subscribers residing in the United States for certain ancillary expenses associated with restoring their identity should they become a victim of identity theft after such Subscriber is properly enrolled. The insurance policy issued to CSID will reimburse the Subscriber for certain reimbursable expenses in accordance with the policy’s terms. Subscribers must make claims for reimbursement in accordance with the terms and condition of the policy, which claims procedure and other delivery requirements will be mutually agreed to by the parties and conducted in accordance with the terms of the policy and applicable state insurance law and regulations.
This Service allows Subscribers to easily save and store important payment and identification information in one place. If cards or documents are lost or stolen, Subscribers can quickly cancel the cards and update information within their profile. Lost Wallet Protection includes support from Restoration Specialists to cancel or reissue documents. The Subscriber can save and store any of the following documents:
This service leverages databases updated monthly from all 50 U.S. states, Washington D.C., Puerto Rico, and Guam, to identify and monitor registered sex offenders living close to the Subscriber. Alert notifications and reports can detect when a registered sex offender registers under a different name but uses the Subscriber's address.
This Service provides a report of all names, aliases, and addresses associated with a Subscriber’s Social Security Number or their child’s* Social Security Number. The database is updated monthly.
*Child monitoring includes up to 10 children under the age of 18. One-time Parent/Legal Guardian verification is required to receive alert details for children.
Your Subscription may include some or all of these Services. It is your responsibility to review these Service Specific Terms and understand which terms and conditions apply to your Subscription. If you have any questions about the applicability of these Service Specific Terms, please feel free to contact us.
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender's score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
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