Terms and Conditions of the IDSafeChoice Program

  • You may access services under the IDSafeChoice Program within twelve (12) months from the date shown on your credit report. This is entitled the "Subscription Period."
  • Persons who are eligible for this benefit are called "Subscribers" and include a person or persons who are eligible for benefits as defined by the program. Businesses and business accounts are not eligible for benefits under this program.
  • The benefits under this program are non-refundable, non-cancelable and non-transferable. Benefits not utilized during the Subscription Period will expire with no cash value.
  • For purposes of benefits under this program, identity theft is defined as fraud that involves the use of a Subscriber's name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Subscriber, which is used to commit fraud or other crimes.
  • Eligibility for recovery services under the IDSafeChoice Program is based on identity theft events that occur, are discovered, and reported to the named provider during the Subscription Period. Persons who have identity theft events that occurred prior to the beginning of the Subscription Period are not eligible for benefits under this program, but may purchase benefits from the provider.
  • Benefits are available only to residents of the United States. In the event of fraud that occurs outside of the United States, identity recovery is only performed with agencies and institutions in the United States or territories where U.S. law applies.
  • The provider will not provide credit counseling or repair to credit that legitimately belongs to a Subscriber.
  • The provider may refuse or terminate services under this agreement if it is deemed that a Subscriber is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. The provider will not refuse or terminate services based solely on the complexity of the case.
  • Identity Theft Recovery Services are provided by Merchants Information Solutions, Inc. or other selected provider, at the discretion of the National Credit Reporting Association, Inc.