NATIONAL ID RECOVERY, LLC
Terms & Conditions of Service
A. NIDR is proud to offer the broadest definition of
"Covered Member". “Covered Member” is defined as any person age 18 or older who
has been enrolled in the National ID Recovery Service, and spouse or Domestic Partner;
children under the age of 21 who live with the Covered Member; and children under
the age of 25 who are full-time students. The term "Domestic Partner" is defined
as any person living in domestic partnership with a Covered Member not related by
blood or marriage, regardless of sex, who are of legal adult age in their state
of residence. The term “Covered Household” is defined as a “Covered Member” who
enrolled in the National ID Recovery Service and all legal dependents of the enrolled
member (IRS dependency requirements are utilized to determine dependency) either
residing at the covered members residence or attending college at a different address.
B. “ID Recovery Kit™” means the document set needed
to recover the Covered Member’s Identity from the specified ID theft(s), including
ensuring that all damage caused by the Identity Theft has been satisfactorily remediated.
The ID Recovery Kit contains, but not limited to; a Cover Letter, Special Power
of Attorney, ID Theft Affidavits, Form Letters, Forgery Affidavits, complete step
by step instructions and any other specific documents needed per ID theft type,
number of ID thefts and ID theft location. The ID Recovery Kit is completely generated
and personalized by NIDR’s proprietary, patent pending Kaizen Software System.
C. “Credit Monitoring Assist ™” means NIDR will assist
Covered Member in obtaining the maximum authorized free copies of his/her credit
report from all bureaus based on his/her state of residence. The NIDR Kaizen™ Application
will notify the Covered Member when it is time for him/her to request a credit report
–or, based on the Covered Member’s choice, NIDR will automatically order a copy
of the credit report for the Covered Member.
Section 2: NIDR Services
A. Covered Members will have unlimited toll free access
to the multilingual National ID Recovery (“NIDR”) ID Recovery Assistance Center
located in Norcross, GA between the hours of 8:00am and 9:00pm ET Monday through
Friday.
B. Credit Monitoring Assist ™” Covered Members will
be able to choose to be notified when to order their free credit reports or have
NIDR order their free credit reports on their behalf and have them mailed to them.
C. NIDR IDAlert provides continuous monthly Identity
Monitoring for the Covered Member. This Identity Monitoring can more accurately
identify fraud committed using the Covered Members non-public information. It will
also detect Synthetic Identity Theft.
D. Upon notification of an identity theft incident,
NIDR will:
- Consult with Covered Member to ascertain the severity
and types of the ID Theft and to start the notification and recovery process;
- Prepare and ship the “ID Recovery Kit™ ” to the Covered
Member via Overnight Delivery with prepaid Overnight Deliver return;
- Send all necessary electronic notifications;
- Contact credit reporting agencies to obtain a free
credit report for the Covered Member and place fraud alerts on the Covered Member's
credit records with all three credit reporting bureaus, and to obtain a list of
creditors involved with the fraud from them;
- Submit Special Power of Attorney and ID Theft Affidavit
to involved creditors requesting cancellation of their card and an issuance of a
new one;
- If other forms of identification were stolen or missing,
such as an ATM card, Driver's License, Social Security Card, Passport and so forth,
notify the appropriate bank or agency of the situation so that they may take appropriate
action and reissue a new form of identification;
- Notify local authorities of the ID Theft incident
and provide documentation to help the Covered Member to obtain necessary reports;
- Where needed, follow up with creditors/agencies to
ensure that the matter has been properly handled;
-
Provide fraud resolution, Identity Monitoring, legal
and emotional assistance;
Section 3: Limitations & Exclusions
A. Coverage starts immediately when confirmation of
payment has been made. If paying by credit card, the subscription will automatically
renew per payment mode selected unless Covered member notifies of intent to cancel.
B. Any identity thefts or incidents discovered by the
Covered Member prior to service effective date not eligible for service. Pre-existing
Identity Theft may require the Covered Member to utilize NIDR’s Emergency Recovery
Service.
C. The services of NIDR are available in the United
States and its territories only. NIDR reserves the right to add additional countries
and/or territories at NIDRs own discretion.
D. NIDR cannot be held responsible for failure to provide
or for delay in providing services when such failure or delay is caused by conditions
beyond its control.
E. NIDR guarantees its ID Recovery Services 100%. However,
NIDR cannot guarantee the actual outcome of the recovery process. NIDR reserves
the right to refer Covered Member to a local attorney from its national network
of preferred attorneys if the severity of the identity theft dictates.
F. NIDR’s ID Recovery Services will not apply if the
identity theft is the result of a dishonest, criminal, malicious, or fraudulent
act by the Covered Member, their spouse, or their child.
G. NIDR’s ID Recovery Services do not cover financial
losses of any kind arising from the identity theft.
Proprietary and Confidential Information
