SlideShare a Scribd company logo
– IDShield member – L.N. in Sioux City, NE
MONITOR MORE OF WHAT MATTERS
We monitor your identity from every angle, not just your Social
Security number, credit cards and bank accounts. We ensure
everything connected to you is safe, even your social media
accounts. If any change in your status occurs, you receive an
email update immediately.
COUNSEL WHEN YOU NEED IT
Our identity specialists are focused on protecting you. They
are available to provide you with a complete picture of identity
theft, walk you through all the steps you can take to protect
yourself and answer any questions. Plus, they are available 24
hours a day, every day, in the event of an identity theft emer-
gency. We’re always here to help, no matter what.
RESTORE YOUR IDENTITY COMPLETELY
IDShield is the only company with an exclusive partnership with
Kroll, the worldwide leader in theft investigative services. If a
compromise occurs, contact your Licensed Private Investigator
who will immediately begin restoring your identity to exactly
the way it was.
(for you)
IDSHIELD INDIVIDUAL
(for you, your spouse/domes-
tic partner and up to 8 minors)
IDSHIELD FAMILY
Millions of people lose their
identities every year.
Don’t be one of them.
Identity theft has been the top consumer complaint filed with the FTC for 15 years straight. Victims are spending
an exorbitant amount of time and money dealing with it. The criminals are getting smarter. And they’re not
going away. That’s why you need a company that’s more than a website. You need an established institution
that understands all the potential threats, how to prevent them and how to restore any damage done.
My investigator gave me great advice
and the next day cleared up my situation.”
								 – IDShield member – L.N. in Sioux City, NE
$
5MILLIONSERVICE GUARANTEE
Obger Mercier, Independent Associate, 404-424-4579 And 5406857521
mercierassociate@gmail.com, http://omercier.legalshieldassociate.com
$19.95
$9.95
IDShield
Marketed by: Pre-Paid Legal Services, Inc. dba LegalShield® and subsidiaries; Pre-Paid Legal CasualtySM
, Inc.; Pre-Paid Legal Access, Inc.; In FL:
Pre-Paid Legal Services, Inc. of Florida; In VA: Legal Service Plans of Virginia, Inc.; and PPL Legal Care of Canada Corporation
96006 (5/15) ©2015 LegalShield®
, Ada, OK
Identity Consultation Services
Members have unlimited access to
identity consultation services provided
by Kroll’s Licensed Private Investigators.
The Investigator will advise members on
best practices for identity management
tailored to the member’s specific
situation. Consultative services include:
Privacy and Security Best Practice
•	 Consult on best practices for the
use and protection of a consumer’s
Social Security number and Personal
Identifying Information (PII)
•	 Provide consultation on current trends,
scams and schemes related to identity
theft and fraud issues
•	 Discuss best practices for financial
transactions, online activities and
consumer privacy
•	 Provide the knowledge to best protect
the member from identity theft and to
be aware of their rights under federal
and state laws
•	 Help members interpret and analyze
their credit report and take steps to
reduce pre-approved credit offers
•	 Consult with members regarding a
public record inquiry, background
search or credit freeze
Event-Driven Consultation Support
•	 Lost/stolen wallet assistance
•	 Data Exposure/Data Breach
•	 Safeguards
Alerts and Notifications
•	 Monthly identity theft updates to help
educate and protect
•	 Data breach notifications
Consultation Services are limited to the
solutions, best practices, legislation, and
established industry and organizational
procedures in place in the United States
and Canada as determined beneficial or
productive by a Kroll Licensed Private
Investigator.
Privacy Monitoring
Black Market Website Surveillance
(Internet Monitoring)
Monitors global black market websites,
IRC (internet relay chat) channels, chat
rooms, peer-to-peer sharing networks,
and social feeds for a member’s
Personally Identifiable Information (PII),
looking for matches of name, date of
birth, Social Security number, email
addresses (up to 10), phone numbers (up
to 10), driver’s license number, passport
number and/or medical ID numbers (up
to 10).
Address Change Verification
Keeps track of a personal mailing
address and alerts when a change of
address has been requested through the
United States Postal Service.
Security Monitoring
Black Market Website Surveillance
(Internet Monitoring)
Monitors global black market websites,
IRC (internet relay chat) channels, chat
rooms, peer-to-peer sharing networks,
and social feeds for a member’s
Personally Identifiable Information (PII),
looking for matches of Social Security
number, credit card numbers (up to 10)
and bank account numbers (up to 10).
Court Records Monitoring
Detects criminal activity that may be
associated with an individual’s personal
information, alerting them to signs of
potential criminal identity theft. Credit
Monitoring members have access to
continuous credit monitoring through
TransUnion. The credit monitoring
service will alert members to activity
up to and including new delinquent
accounts, fraud alerts, improved
account, new account, new address,
new bankruptcy, new employment, new
account inquiry, and new public records.
Credit Inquiry Alerts
Members will be notified via email when
a creditor requests their TransUnion
credit file for the purposes of opening
a new credit account. Included are
accounts that result in a new financial
obligation, such as a new cell phone
account, a lease for a new apartment,
or even for an application for a new
mortgage.
Quarterly Credit Score Tracker
A quarterly credit score from TransUnion
that plots the member’s score quarter by
quarter on a graph.
Payday Loan Monitoring
Alerts the subscriber when their personal
information is associated with short-
term, payday, or similar cash-advance
loans.
Minor Identity Protection
(Family Plan only)
Allows parents/guardians of up to 8
minors under the age of 18 to monitor for
potential fraudulent activity associated
with their child’s SSN. Unauthorized
names, aliases and addresses that
become associated with a minor’s name
and date of birth may be detected.
Identity Restoration
Kroll’s Licensed Private Investigators
perform the bulk of the restoration work
required to restore a member’s identity
to pre-theft status.
IDShield Service Guarantee
We don’t give up until your identity is
restored.
We’re confident in our ability to help
protect your identity, but no one can
prevent all identity theft. If you become a
victim of identity theft while an IDShield
member, we’ll spend up to $5 million
using Kroll’s industry-leading Licensed
Private Investigators to do whatever
it takes for as long as it takes to help
recover and restore your identity to its
pre-theft status.
Purchase of IDShield requires member to have a
valid email address.
The following are excluded from the Services: Legal Remedy—Any Stolen Identity Event where the member is unwilling or unable to prosecute or other-
wise bring a civil or criminal claim against any person culpable or reasonably believed to be culpable for the fraud or its consequences. Dishonest Acts—
Any dishonest, criminal, malicious or fraudulent acts, if the member(s) that suffered the fraud personally participated in, directed or had knowledge of
such acts. Financial Loss—Any direct or indirect financial losses attributable to the Stolen Identity Event, including but not limited to, money stolen from
a wallet, unauthorized purchases of retail goods or services online, by phone, mail or directly. Pre-existing Stolen Identity Event Limitations -If the victim
either had knowledge of, or reasonably should have had knowledge of, the misuse of his/her identity, credit, or other personal information based on informa-
tion provided, or reasonably available, to the individual prior to enrollment in the program (each a “Prior Misuse”), such Prior Misuse or the consequences
caused by it are not covered by the restoration services. However, individuals who have merely experienced the loss or unauthorized exposure of personal
identifiers, including credit or debit card data, such as a data breach event, with no indication of actual misuse or identity theft resulting from that event, are
not subject to the Prior Misuse exclusion hereunder. Business—The theft or unauthorized or illegal use of any business name, DBA or any other method of
identifying business (as distinguished from personal) activity. Third Parties Not Subject to U.S. or Canadian Law—Restoration services do not remediate
issues with third parties not subject to United States or Canadian law that have been impacted by an individual’s Stolen Identity Event, such as financial
institutions, government agencies, and other entities.

More Related Content

What's hot

Id Theft Presentation
Id Theft PresentationId Theft Presentation
Id Theft PresentationLisa Sosebee
 
How to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and FraudHow to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and Fraud
English Online Inc.
 
Social networking and identity theft
Social networking and identity theft Social networking and identity theft
Social networking and identity theft
carlgiardina
 
Identity Theft It's Devasting Impact
Identity Theft It's Devasting ImpactIdentity Theft It's Devasting Impact
Identity Theft It's Devasting Impact
Rob Taylor
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
abethune
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
WrennEvents
 
Indentify Theft Slide Show
Indentify Theft Slide ShowIndentify Theft Slide Show
Indentify Theft Slide Show
robinlgray
 
Hr Idt Presentation Employee Version
Hr Idt Presentation   Employee VersionHr Idt Presentation   Employee Version
Hr Idt Presentation Employee Versiondanc752
 
Identity Theft Presentation
Identity Theft PresentationIdentity Theft Presentation
Identity Theft Presentationcharlesgarrett
 
Identity Theft Consumer Seminar
Identity Theft Consumer SeminarIdentity Theft Consumer Seminar
Identity Theft Consumer Seminarronwolfinger
 
Identity theft
Identity theftIdentity theft
Identity theft
Eqhball Ghazizadeh
 
Identity theft ppt
Identity theft pptIdentity theft ppt
Identity theft ppt
Cut 2 Shreds
 
Identity theft power_point
Identity theft power_pointIdentity theft power_point
Identity theft power_pointefandeye
 
Memberguid erevised
Memberguid erevisedMemberguid erevised
Memberguid erevisedEmilyKPope
 
Identity Theft: How to Reduce Your Risk
Identity Theft: How to Reduce Your RiskIdentity Theft: How to Reduce Your Risk
Identity Theft: How to Reduce Your Risk
milfamln
 
Idt Jc 02 09
Idt Jc 02 09Idt Jc 02 09
Idt Jc 02 09jwnollet
 
Idt
IdtIdt

What's hot (19)

Id Theft Presentation
Id Theft PresentationId Theft Presentation
Id Theft Presentation
 
How to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and FraudHow to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and Fraud
 
Social networking and identity theft
Social networking and identity theft Social networking and identity theft
Social networking and identity theft
 
Identity theft
Identity theftIdentity theft
Identity theft
 
Identity Theft It's Devasting Impact
Identity Theft It's Devasting ImpactIdentity Theft It's Devasting Impact
Identity Theft It's Devasting Impact
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
 
Indentify Theft Slide Show
Indentify Theft Slide ShowIndentify Theft Slide Show
Indentify Theft Slide Show
 
CBSV%20INFORMATION[1]
CBSV%20INFORMATION[1]CBSV%20INFORMATION[1]
CBSV%20INFORMATION[1]
 
Hr Idt Presentation Employee Version
Hr Idt Presentation   Employee VersionHr Idt Presentation   Employee Version
Hr Idt Presentation Employee Version
 
Identity Theft Presentation
Identity Theft PresentationIdentity Theft Presentation
Identity Theft Presentation
 
Identity Theft Consumer Seminar
Identity Theft Consumer SeminarIdentity Theft Consumer Seminar
Identity Theft Consumer Seminar
 
Identity theft
Identity theftIdentity theft
Identity theft
 
Identity theft ppt
Identity theft pptIdentity theft ppt
Identity theft ppt
 
Identity theft power_point
Identity theft power_pointIdentity theft power_point
Identity theft power_point
 
Memberguid erevised
Memberguid erevisedMemberguid erevised
Memberguid erevised
 
Identity Theft: How to Reduce Your Risk
Identity Theft: How to Reduce Your RiskIdentity Theft: How to Reduce Your Risk
Identity Theft: How to Reduce Your Risk
 
Idt Jc 02 09
Idt Jc 02 09Idt Jc 02 09
Idt Jc 02 09
 
Idt
IdtIdt
Idt
 

Viewers also liked

SEC Recruitment Presentation
SEC Recruitment PresentationSEC Recruitment Presentation
SEC Recruitment Presentation
SEC_Recruitment
 
Concrete vibrators
Concrete vibratorsConcrete vibrators
Concrete vibrators
powtek
 
Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...
Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...
Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...
Dr Dev Kambhampati
 
CV Shuman, Ian 01262016
CV Shuman, Ian 01262016CV Shuman, Ian 01262016
CV Shuman, Ian 01262016Ian Shuman
 
Installing license server
Installing license serverInstalling license server
Installing license server
Kang YAyan
 
2010 Ford Commercial Truck Towing Guide Capability Review
2010 Ford Commercial Truck Towing Guide Capability Review2010 Ford Commercial Truck Towing Guide Capability Review
2010 Ford Commercial Truck Towing Guide Capability ReviewAncira Auto Group
 
HWMB Powertrain and Clean Transportation Overview
HWMB Powertrain and Clean Transportation OverviewHWMB Powertrain and Clean Transportation Overview
HWMB Powertrain and Clean Transportation Overview
anantvashi
 
Team Misfocus and Error in software projects
Team Misfocus and Error in software projectsTeam Misfocus and Error in software projects
Team Misfocus and Error in software projects
Adam Russell
 
EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...
EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...
EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...
IJNSA Journal
 
Der Hund an der digitalen Leine - tractive
Der Hund an der digitalen Leine - tractiveDer Hund an der digitalen Leine - tractive
Der Hund an der digitalen Leine - tractive
Microsoft Österreich
 
Innovative Green Building: More Value, Quality and Energy-Efficiency
Innovative Green Building: More Value, Quality and Energy-EfficiencyInnovative Green Building: More Value, Quality and Energy-Efficiency
Innovative Green Building: More Value, Quality and Energy-Efficiency
Acha Chutarat
 

Viewers also liked (14)

SEC Recruitment Presentation
SEC Recruitment PresentationSEC Recruitment Presentation
SEC Recruitment Presentation
 
Concrete vibrators
Concrete vibratorsConcrete vibrators
Concrete vibrators
 
Rsa encryption
Rsa encryptionRsa encryption
Rsa encryption
 
Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...
Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...
Dr Dev Kambhampati | Doing Business in France - 2014 Country Commercial Guide...
 
CV Shuman, Ian 01262016
CV Shuman, Ian 01262016CV Shuman, Ian 01262016
CV Shuman, Ian 01262016
 
Installing license server
Installing license serverInstalling license server
Installing license server
 
Korean journal-NIsa
Korean journal-NIsaKorean journal-NIsa
Korean journal-NIsa
 
Durendal PIE London 12Feb2015
Durendal PIE London 12Feb2015Durendal PIE London 12Feb2015
Durendal PIE London 12Feb2015
 
2010 Ford Commercial Truck Towing Guide Capability Review
2010 Ford Commercial Truck Towing Guide Capability Review2010 Ford Commercial Truck Towing Guide Capability Review
2010 Ford Commercial Truck Towing Guide Capability Review
 
HWMB Powertrain and Clean Transportation Overview
HWMB Powertrain and Clean Transportation OverviewHWMB Powertrain and Clean Transportation Overview
HWMB Powertrain and Clean Transportation Overview
 
Team Misfocus and Error in software projects
Team Misfocus and Error in software projectsTeam Misfocus and Error in software projects
Team Misfocus and Error in software projects
 
EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...
EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...
EXPLORING HISTORICAL AND EMERGING PHISHING TECHNIQUES AND MITIGATING THE ASSO...
 
Der Hund an der digitalen Leine - tractive
Der Hund an der digitalen Leine - tractiveDer Hund an der digitalen Leine - tractive
Der Hund an der digitalen Leine - tractive
 
Innovative Green Building: More Value, Quality and Energy-Efficiency
Innovative Green Building: More Value, Quality and Energy-EfficiencyInnovative Green Building: More Value, Quality and Energy-Efficiency
Innovative Green Building: More Value, Quality and Energy-Efficiency
 

Similar to http://omercier.legalshieldassociate.com

ID Shield Services and Features
ID Shield Services and Features ID Shield Services and Features
ID Shield Services and Features
Antonia McClammy
 
IDSHield Services and Features
IDSHield Services and FeaturesIDSHield Services and Features
IDSHield Services and Features
Antonio Muniz Olan
 
Identity Theft Protection. The Best Answer
Identity Theft Protection. The Best AnswerIdentity Theft Protection. The Best Answer
Identity Theft Protection. The Best Answer
forcesuccess
 
ID Theft Final Oct 2015
ID Theft Final Oct 2015ID Theft Final Oct 2015
ID Theft Final Oct 2015James Kane
 
Identity Theft Prevention
Identity Theft PreventionIdentity Theft Prevention
Identity Theft Prevention
Alan Greggo
 
Memberguide ppt
Memberguide pptMemberguide ppt
Memberguide pptEmilyKPope
 
Idt Workshop
Idt WorkshopIdt Workshop
Idt Workshop
dparsonsaz
 
Legal Shield ID Theft via Kroll
Legal Shield ID Theft via KrollLegal Shield ID Theft via Kroll
Legal Shield ID Theft via KrollBarbie Deen
 
Identity Theft - Canada
Identity Theft - CanadaIdentity Theft - Canada
Identity Theft - Canada
- Mark - Fullbright
 
Identity Theft: Protecting & Restoring Your Good Name
Identity Theft: Protecting & Restoring Your Good NameIdentity Theft: Protecting & Restoring Your Good Name
Identity Theft: Protecting & Restoring Your Good Name
Springboard
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
dkmarshall
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
marybethwrenn
 
LegalShield and IDShield Interactive Flier
LegalShield and IDShield Interactive FlierLegalShield and IDShield Interactive Flier
LegalShield and IDShield Interactive Flier
LegalShield Independent Associate-Leland Burton
 
Legal Shield Group
Legal Shield Group Legal Shield Group
Legal Shield Group
MichaelJovan1
 
Identity Theft
Identity TheftIdentity Theft
Identity Theft
Blinsink
 
$10.95 New Jersey Plan
$10.95 New Jersey Plan$10.95 New Jersey Plan
$10.95 New Jersey Plan
justice_4_u
 

Similar to http://omercier.legalshieldassociate.com (20)

ID Shield Services and Features
ID Shield Services and Features ID Shield Services and Features
ID Shield Services and Features
 
IDSHield Services and Features
IDSHield Services and FeaturesIDSHield Services and Features
IDSHield Services and Features
 
LS IDT 2014
LS IDT 2014LS IDT 2014
LS IDT 2014
 
IDShield White Paper
IDShield White PaperIDShield White Paper
IDShield White Paper
 
Identity Theft Protection. The Best Answer
Identity Theft Protection. The Best AnswerIdentity Theft Protection. The Best Answer
Identity Theft Protection. The Best Answer
 
ID Theft Final Oct 2015
ID Theft Final Oct 2015ID Theft Final Oct 2015
ID Theft Final Oct 2015
 
Identity Theft Prevention
Identity Theft PreventionIdentity Theft Prevention
Identity Theft Prevention
 
Memberguide ppt
Memberguide pptMemberguide ppt
Memberguide ppt
 
Idt Workshop
Idt WorkshopIdt Workshop
Idt Workshop
 
Legal Shield ID Theft via Kroll
Legal Shield ID Theft via KrollLegal Shield ID Theft via Kroll
Legal Shield ID Theft via Kroll
 
Identity Theft - Canada
Identity Theft - CanadaIdentity Theft - Canada
Identity Theft - Canada
 
Identity Theft: Protecting & Restoring Your Good Name
Identity Theft: Protecting & Restoring Your Good NameIdentity Theft: Protecting & Restoring Your Good Name
Identity Theft: Protecting & Restoring Your Good Name
 
Idt.John F
Idt.John FIdt.John F
Idt.John F
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
 
Group Presentation
Group PresentationGroup Presentation
Group Presentation
 
LegalShield and IDShield Interactive Flier
LegalShield and IDShield Interactive FlierLegalShield and IDShield Interactive Flier
LegalShield and IDShield Interactive Flier
 
Legal Shield Group
Legal Shield Group Legal Shield Group
Legal Shield Group
 
Identity Theft
Identity TheftIdentity Theft
Identity Theft
 
$10.95 New Jersey Plan
$10.95 New Jersey Plan$10.95 New Jersey Plan
$10.95 New Jersey Plan
 
Link special legal shield
Link special legal shieldLink special legal shield
Link special legal shield
 

http://omercier.legalshieldassociate.com

  • 1. – IDShield member – L.N. in Sioux City, NE MONITOR MORE OF WHAT MATTERS We monitor your identity from every angle, not just your Social Security number, credit cards and bank accounts. We ensure everything connected to you is safe, even your social media accounts. If any change in your status occurs, you receive an email update immediately. COUNSEL WHEN YOU NEED IT Our identity specialists are focused on protecting you. They are available to provide you with a complete picture of identity theft, walk you through all the steps you can take to protect yourself and answer any questions. Plus, they are available 24 hours a day, every day, in the event of an identity theft emer- gency. We’re always here to help, no matter what. RESTORE YOUR IDENTITY COMPLETELY IDShield is the only company with an exclusive partnership with Kroll, the worldwide leader in theft investigative services. If a compromise occurs, contact your Licensed Private Investigator who will immediately begin restoring your identity to exactly the way it was. (for you) IDSHIELD INDIVIDUAL (for you, your spouse/domes- tic partner and up to 8 minors) IDSHIELD FAMILY Millions of people lose their identities every year. Don’t be one of them. Identity theft has been the top consumer complaint filed with the FTC for 15 years straight. Victims are spending an exorbitant amount of time and money dealing with it. The criminals are getting smarter. And they’re not going away. That’s why you need a company that’s more than a website. You need an established institution that understands all the potential threats, how to prevent them and how to restore any damage done. My investigator gave me great advice and the next day cleared up my situation.” – IDShield member – L.N. in Sioux City, NE $ 5MILLIONSERVICE GUARANTEE Obger Mercier, Independent Associate, 404-424-4579 And 5406857521 mercierassociate@gmail.com, http://omercier.legalshieldassociate.com $19.95 $9.95
  • 2. IDShield Marketed by: Pre-Paid Legal Services, Inc. dba LegalShield® and subsidiaries; Pre-Paid Legal CasualtySM , Inc.; Pre-Paid Legal Access, Inc.; In FL: Pre-Paid Legal Services, Inc. of Florida; In VA: Legal Service Plans of Virginia, Inc.; and PPL Legal Care of Canada Corporation 96006 (5/15) ©2015 LegalShield® , Ada, OK Identity Consultation Services Members have unlimited access to identity consultation services provided by Kroll’s Licensed Private Investigators. The Investigator will advise members on best practices for identity management tailored to the member’s specific situation. Consultative services include: Privacy and Security Best Practice • Consult on best practices for the use and protection of a consumer’s Social Security number and Personal Identifying Information (PII) • Provide consultation on current trends, scams and schemes related to identity theft and fraud issues • Discuss best practices for financial transactions, online activities and consumer privacy • Provide the knowledge to best protect the member from identity theft and to be aware of their rights under federal and state laws • Help members interpret and analyze their credit report and take steps to reduce pre-approved credit offers • Consult with members regarding a public record inquiry, background search or credit freeze Event-Driven Consultation Support • Lost/stolen wallet assistance • Data Exposure/Data Breach • Safeguards Alerts and Notifications • Monthly identity theft updates to help educate and protect • Data breach notifications Consultation Services are limited to the solutions, best practices, legislation, and established industry and organizational procedures in place in the United States and Canada as determined beneficial or productive by a Kroll Licensed Private Investigator. Privacy Monitoring Black Market Website Surveillance (Internet Monitoring) Monitors global black market websites, IRC (internet relay chat) channels, chat rooms, peer-to-peer sharing networks, and social feeds for a member’s Personally Identifiable Information (PII), looking for matches of name, date of birth, Social Security number, email addresses (up to 10), phone numbers (up to 10), driver’s license number, passport number and/or medical ID numbers (up to 10). Address Change Verification Keeps track of a personal mailing address and alerts when a change of address has been requested through the United States Postal Service. Security Monitoring Black Market Website Surveillance (Internet Monitoring) Monitors global black market websites, IRC (internet relay chat) channels, chat rooms, peer-to-peer sharing networks, and social feeds for a member’s Personally Identifiable Information (PII), looking for matches of Social Security number, credit card numbers (up to 10) and bank account numbers (up to 10). Court Records Monitoring Detects criminal activity that may be associated with an individual’s personal information, alerting them to signs of potential criminal identity theft. Credit Monitoring members have access to continuous credit monitoring through TransUnion. The credit monitoring service will alert members to activity up to and including new delinquent accounts, fraud alerts, improved account, new account, new address, new bankruptcy, new employment, new account inquiry, and new public records. Credit Inquiry Alerts Members will be notified via email when a creditor requests their TransUnion credit file for the purposes of opening a new credit account. Included are accounts that result in a new financial obligation, such as a new cell phone account, a lease for a new apartment, or even for an application for a new mortgage. Quarterly Credit Score Tracker A quarterly credit score from TransUnion that plots the member’s score quarter by quarter on a graph. Payday Loan Monitoring Alerts the subscriber when their personal information is associated with short- term, payday, or similar cash-advance loans. Minor Identity Protection (Family Plan only) Allows parents/guardians of up to 8 minors under the age of 18 to monitor for potential fraudulent activity associated with their child’s SSN. Unauthorized names, aliases and addresses that become associated with a minor’s name and date of birth may be detected. Identity Restoration Kroll’s Licensed Private Investigators perform the bulk of the restoration work required to restore a member’s identity to pre-theft status. IDShield Service Guarantee We don’t give up until your identity is restored. We’re confident in our ability to help protect your identity, but no one can prevent all identity theft. If you become a victim of identity theft while an IDShield member, we’ll spend up to $5 million using Kroll’s industry-leading Licensed Private Investigators to do whatever it takes for as long as it takes to help recover and restore your identity to its pre-theft status. Purchase of IDShield requires member to have a valid email address. The following are excluded from the Services: Legal Remedy—Any Stolen Identity Event where the member is unwilling or unable to prosecute or other- wise bring a civil or criminal claim against any person culpable or reasonably believed to be culpable for the fraud or its consequences. Dishonest Acts— Any dishonest, criminal, malicious or fraudulent acts, if the member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. Financial Loss—Any direct or indirect financial losses attributable to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or directly. Pre-existing Stolen Identity Event Limitations -If the victim either had knowledge of, or reasonably should have had knowledge of, the misuse of his/her identity, credit, or other personal information based on informa- tion provided, or reasonably available, to the individual prior to enrollment in the program (each a “Prior Misuse”), such Prior Misuse or the consequences caused by it are not covered by the restoration services. However, individuals who have merely experienced the loss or unauthorized exposure of personal identifiers, including credit or debit card data, such as a data breach event, with no indication of actual misuse or identity theft resulting from that event, are not subject to the Prior Misuse exclusion hereunder. Business—The theft or unauthorized or illegal use of any business name, DBA or any other method of identifying business (as distinguished from personal) activity. Third Parties Not Subject to U.S. or Canadian Law—Restoration services do not remediate issues with third parties not subject to United States or Canadian law that have been impacted by an individual’s Stolen Identity Event, such as financial institutions, government agencies, and other entities.