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Begin your complimentary Experian IdentityWorks membership today. Enter your activation code at www.experianidworks.com/credit to sign up now.

You may be eligible to redeem a membership to Experian IdentityWorks identity protection at no cost to you at www.experianidworks.com/credit. If you’re eligible, click “Get Started” and use the activation code provided to you to initiate your membership.

This comprehensive product includes Experian credit reports and monitoring, $1M identity theft insurance and full service identity restoration.

Your Membership Includes:-

Credit Monitoring

Makes you aware of changes to your Experian credit report so you can take action if needed. Checks your credit file daily and notifies you via email of any changes to your Experian report, including loan data, inquiries, new accounts, judgments, liens and more.

Daily Credit Reports

Helps you stay aware of your credit history with easy access to your Experian credit report. Your Experian credit report includes your credit history and information, such as accounts in delinquency or new accounts opened

Identity Theft Insurance

In the event that your identity is compromised, Identity Theft Insurance* provided under policies issued to Experian IdentityWorks reimburses you for certain expenses up to $1M

Identity Restoration

We provide full-service Identity Restoration in the event of identity theft. Even if you simply suspect a problem, an Identity Restoration specialist will work with you to identify and resolve the issue

In the event your identity is stolen — or even if you suspect it may have been stolen — you’ll work with an Identity Restoration specialist. Professionals provide robust case knowledge in both credit and non-credit restoration.

LIMITS OF INSURANCE

Please see your participating identity protection membership program fulfillment materials for your coverage limit per 12 Month Period

DUTIES WHEN LOSS OCCURS

Upon knowledge or discovery of loss or of an occurrence which may give rise to a claim under the terms of this coverage, the policyholder is responsible for notifying the member of the following requirements:

a. Give notice as soon as practicable to:

(1) the appropriate authority and affected institutions, if applicable; and

(2) call the customer assistance number contained in your membership materials to make a valid claim within sixty (60) days of the date of discovery, or as soon as reasonably possible.

If the loss involves a violation of law, the member shall also notify the police.  The member must submit a copy of the police report when filing a claim;

For Cash Recovery, the member must provide documentation from the financial institution that the funds were fraudulently removed and are non-recoverable from the financial institution.

b. File detailed proof of loss, duly sworn to, with us within sixty (60) days after the discovery of loss;

c. Take all reasonable steps to mitigate loss resulting from identity fraud including, but not limited to, requesting a waiver for any applicable fees, loan application fees or credit bureau fees;

d. Upon our request, submit to examination by us, and subscribe the same, under oath if required;

e. Upon our request, cooperate to help us enforce legal rights against anyone who may be liable to the member to include giving evidence and attending depositions, hearing and trials;

f. Immediately forward to us any notices, summons or legal papers received by the member in connection with the loss or the identity fraud;

g. Produce for our examination all pertinent records;

h. Cooperate with us in all matters pertaining to loss or claims;  all at such reasonable times and places as we shall designate.

The member shall not voluntarily assume or admit any liability, nor, except at said member’s own cost, voluntarily make any payment or incur any expense without our prior written consent, such consent not to be unreasonably withheld.

The member shall keep books, receipts, bills and other records in such manner that we can accurately determine the amount of any loss.  At any time, subsequent to the reporting of the loss to us, we may examine and audit the member’s books and records as they relate to a loss under the Policy.

COVERAGE

Identity Fraud – Expense Reimbursement

We will reimburse the member for expenses and legal costs incurred by the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of their participating identity protection membership program fulfillment materials from the direct result of the following:

1. Fraud or Embezzlement
   For loss arising out of fraud or embezzlement perpetrated against the member, with an occurrence date during the term of the membership.

2. Theft
   For loss resulting directly from theft of property related to the member’s information, checkbook, savings record, ATM access or securities from the member, with an occurrence date during the term of the membership, by a person from whom the member purchased goods or services. 

3. Forgery
   For loss, with an occurrence date during the term of the membership, resulting directly from forgery or alteration of checks, drafts, promissory notes, or similar written promises, orders or directions to pay money that are:
   • Made or drawn by or drawn upon the member’s account; or
   • Made or drawn by one purporting to act as the member’s

4. Data Breach
   For loss, with an occurrence date during the term of the membership, resulting directly from the misuse of the member’s information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor, a securities firm, employer or other institution/company maintaining the member’s personal information, that results in monies stolen from the member’s accounts or misuse of data to obtain property, credit or monies using the member’s information.

5. Stolen Identity Event
   For loss resulting from a stolen identity event, including but not limited to a stolen identity event occurring on or arising out of the use of the Internet. The occurrence date must be during the term of the membership.  A stolen identity event means the theft, unauthorized, or illegal use of the member’s name, social security number, or other method of identifying the member.

Cash Recovery

We will reimburse the member, up to the Limit of Liability as shown on the Limits of Insurance section of the member’s identity protection membership program fulfillment materials when this benefit has been included, a Cash Recovery benefit limited to payment for one (1) occurrence within any twelve (12) consecutive months of the term of the membership, for recovery of traditional credit cards, pre-paid credit cards and debit card deductibles or in the event of an unauthorized electronic fund transfer, reimbursement for unrecoverable funds, exclusive of interest, directly drawn from or removed through an unauthorized electronic fund transfer from the member’s mobile device (smart phone) or other financial account due to an act of fraud, embezzlement, theft, forgery or other data breach which have not been recovered.

Cash Recovery does not cover unrecoverable funds for which the member did not seek reimbursement from the financial institution, or other provider which issued the access device and holds the account from which funds were stolen, and for which the member has not received reimbursement from any other source.

The member will only be covered from an unauthorized removal of funds or an unauthorized electronic fund transfer if the loss first occurs on or after the effective date of the Policy under which this coverage is provided, while the member is an active and paid member of the policyholder, and the loss is reported to us within ninety (90) days of discovery.

The member is not covered if the unauthorized removal of funds or unauthorized electronic fund transfer first occurs after the termination of the Policy under which this coverage is provided, or the member is not an active member of the participating identity protection membership program.