Terms & Conditions

What’s Included in Your Coverage

This section provides a comprehensive overview of the specific protections included in your identity protection plan. It is designed to clearly present the benefits available to you, broken down into key categories, so you can easily understand how you’re covered. Each benefit can be expanded with a toggle or accordion-style layout, allowing you to click and view detailed information.

Replacement of Stolen Funds

When your identity is stolen, the immediate threat is often the theft of your hard-earned money. This coverage offers direct reimbursement for any funds that were fraudulently transferred from your account as part of an identity theft incident. Whether the funds were stolen through an unauthorized electronic transfer or other deceptive means, we ensure that your financial loss is mitigated quickly and effectively.

Lost Wages

Identity theft can disrupt your life in more ways than one, including your ability to work. This benefit compensates you for the time you have to take off from your job to address the identity theft situation. Whether it’s meetings with your bank, legal consultations, or time spent restoring your credit, you won’t have to worry about losing income while handling these urgent matters.

Legal Fees

Navigating the legal complexities of identity theft can be daunting, but with this coverage, approved attorney costs are covered. From initial consultations to full representation in cases of fraudulent debt or wrongful accusations, this benefit ensures that you won’t have to bear the financial burden of defending your identity in court. You’ll have access to legal experts who specialize in identity theft, providing peace of mind during this challenging time.

ID Restoration Expenses

Recovering your identity often involves a number of out-of-pocket expenses—whether it's notarizing affidavits, sending certified mail, or obtaining necessary documents. This coverage reimburses you for these reasonable and necessary costs incurred while restoring your identity. Our goal is to make the process as smooth as possible, ensuring that you're fully supported from start to finish.

What’s Not Covered

While the plan offers robust protection, there are certain limits to what’s covered. For instance, any losses tied to business profits, or direct business damages, are not included. This coverage is designed to safeguard your personal identity, so it doesn't extend to losses related to your business dealings. We provide a clear outline of what’s not covered to ensure full transparency, helping you understand where protection applies and where it does not.