Privacy Policy / Terms

PRIVACY POLICY
   
InfoArmor was founded to help consumers manage and protect their privacy, including protecting non-public personal information (“Confidential Information”). With this in mind, we adopted this InfoArmor Privacy Policy (the “Policy”). We encourage you to carefully read this Policy so that you will be fully informed about how we collect, protect and use your Confidential Information.

To make sure your Confidential Information remains confidential, we communicate these privacy guidelines to all of our employees. We discipline (up to and including termination of employment) any employees who view or use your Confidential Information for purposes other than providing services you have contracted to receive.


Collection of Confidential Information
We only collect your Confidential Information to: 1.) Enroll you as a client; 2.) Complete a transaction; 3.) Monitor and protect your identity and 4.) Remediate a case of identity theft.
 

We collect Confidential Information when you communicate with us by email, register on our web site or register for services with our partners.  We only collect the items of Confidential Information that allow us to accomplish one of the above purposes. We will not collect any of your Confidential Information without your knowledge and consent. Because we empower you to protect your identity and your credit reputation by providing useful resources, we may not need to collect your Confidential Information unless you explicitly authorize us to take one or more of the actions described above or in the “Disclosure of Confidential Information” section on your behalf.

You may visit our web site anonymously. This means we usually do not collect Confidential Information when you browse our web site. We don’t even collect your email address. We do, however, collect general Internet information such as how often each of our web pages was accessed and the amount of time a visitor spent viewing each page. Even so, none of this data personally identifies you. We use it for the sole purposes of studying traffic patterns on our web site in order to make it more useful and to evaluate whether our marketing efforts are effectual.

Our web site is not intended to be used by anyone under the age of 18. We do not knowingly solicit Confidential Information from such persons.

The InfoArmor web site contains links to other sites. InfoArmor does not share your non-public personal information with those web sites and is not responsible for their privacy practices, which may differ from ours in significant ways. We encourage you to learn about the privacy policies of those web sites and the companies that operate them. However, web sites to which we link may use cookie technology to gather and store data about their visitors. Cookies contain a small amount of information, possibly including non-public personal information, which allows a web server to recognize you whenever you visit. Again, we encourage you to familiarize yourself with the privacy and information collection practices of any web site you visit.

Access to your Confidential Information
You always have access to the Confidential Information we keep about you. If you want to review that Information, contact us by any of the methods identified in the “Contact Us” section below.

Cookies
Cookies are text files that are stored temporarily on a user's computer for record-keeping purposes. We use session cookies on our web site. Session cookies, that expire when you close your browser, allow you to more easily navigate our web site.

Your browser allows you to reject cookies. If you do so, you may still use our web site, but access to some areas of our site, such as the signup procedure or login, will be limited.

Testimonials
From time to time we place client testimonials on our web site. We will not do so until the client has given us permission. We will remove a client’s testimonial if he/she asks us to do so. If you permit us to post a testimonial from you and you choose to disclose Confidential Information in the testimonial, others will have access to that information. We will not be responsible if anyone uses your testimonial information for any purpose.

Disclosure of Confidential Information
We will never disclose your Confidential Information to anyone except under circumstances described in this Policy. Only those employees (for example, your Privacy Advocate) who “need to know” your Confidential Information, to provide the services you contracted to receive, will have access to your Confidential Information.

We will not disclose your Confidential Information to anyone unless you instruct us to do so on your behalf. With your consent, we will provide Confidential Information to businesses or organizations that are associated with the remediation process (i.e. credit reporting agencies, a creditor, law enforcement, insurance company, post office, Federal Trade Commission).

We will also disclose your Confidential Information if we are required to do so by law; for example, if we receive a subpoena from a court or a law enforcement agency.

Data security for your Confidential Information
We are in business to provide privacy and identity management solutions to consumers. This means we place a very high value on the security of all Confidential Information which comes into our possession.

We will never ask you to enter sensitive information (such as credit card numbers or taxpayer identification numbers) on an unencrypted web site. All such data is collected on a web site which is capable at a minimum of 128-bit secure socket layer technology (SSL) encryption. In addition, we follow generally accepted industry standards to protect your Confidential Information while it is in route to us; however, no method of transmission or storage is totally secure and therefore we cannot guarantee that our security efforts will not be overcome. That is why we urge you to be diligent in protecting your Confidential Information while connected to the Internet.

We will never transmit any personal data that you provide to us over the public Internet. Any data we send you will be transmitted over a private network via secure, encrypted channels.

If you have questions about the security of your Confidential Information, please contact us by any of the methods identified in the “Contact Us” section below.

Opt Out
When we ask you to provide Confidential Information, we provide you the opportunity to “opt-out” of having such information used for certain purposes.

Service Providers
When you sign up for any of our services, you may pay using your credit card. We will use the services of Bankcard USA to validate your Confidential Information in the form of credit card data. They shall not use your Confidential Information for any other purpose.

Changes in this Privacy Statement
We may change this Policy from time to time. If we change this Policy, we will notify you by email or by posting a notice on our home page. Your continued subscription to services we offer after receiving a change notice means that you have agreed to such changes.

Contact Us
If you have any questions regarding this Policy, please contact us at:

>    InfoArmor, Inc. Client Services, 9150 E. Del Camino, Suite 108, Scottsdale, AZ 85258
>    clientservices@infoarmor.com
>    1-800-789-2720

 

TERMS AND CONDITIONS APPLICABLE TO ALL INFOARMOR PRODUCTS

A.    Consent to Electronic Delivery of this Agreement and Subsequent Disclosures. When you affix your electronic signature to this Agreement, that action will signify your agreement and that this Agreement and the Subsequent Disclosures constitute electronic records under the Electronic Signatures in Global and National Commerce Act (15 U.S.C. Sections 7001 and following). You further agree that your electronic signature constitutes your consent to accept this Agreement and receive the Subsequent Disclosures in electronic form. "Subsequent Disclosures" means disclosures or information which we are required or permitted to send to you under applicable law and/or this Agreement. We may provide Subsequent Disclosures to you by making them available on a secure web site (the "Disclosure Delivery Location") or otherwise notifying you. Subsequent Disclosures will be available for your review for not less than 90 days after making them available on our secure web site. We may choose to email these to your email address. "Email Address" means the email address you give to us when you accept this Agreement. To assure your continued receipt of Email Notifications, you must notify us each time you change your Email address. If (a) you withdraw your consent to receive Subsequent Disclosures by notifying us (the notification shall be effective when actually received by us), (b) an Email Notification sent to your Email Address is returned as undeliverable, or (c) we are unable to verify that you have opened an Email Notification sent to your Email Address within 10 of days of delivery, we will send Subsequent Disclosures in printed form to the most current address we have for you in our records. At any time, you may ask us to provide you with a paper copy of this Agreement and any Subsequent Disclosures by contacting us at 1-800-789-2720.

B.    Modification of this Agreement. We reserve the right to change the terms of this Agreement by posting a new version on this Site or by otherwise notifying you of the revised Agreement. By using the Site, you agree to be bound by this Agreement that is in force during such use. Additional Agreements. If you ask us to restore your identity or correct errors in your credit report on your behalf, we will send you a package of documents (the "Additional Agreements") which you will need to sign and return to us before we can take action. There will be no extra charge for these services. However, if any of the Additional Agreements must be notarized, you agree to pay all notary fees, as well as postage, photocopies or any additional miscellaneous costs with the Additional Agreements. You acknowledge that no one, including InfoArmor, can legally remove accurate and timely negative information from a credit report.

C.    Billing and Payment Terms. The total fee for all Products to which you subscribe (the "Product Fee", whether you subscribe to one or more Products) will be automatically charged to your bank credit card or through another automated payment method acceptable to us on each Payment Date (an "Appropriate Payment Method"). "Payment Date" means the date on which you subscribe to a Product and each monthly or annual anniversary of such date. For example, if you subscribe to a Product on March 5, the Payment Date will be the 5th day of each month for a monthly subscription or March 5th of the following year for an annual subscription.

D.    Renewal of Product Subscriptions. Your subscription to one or more Products will be automatically renewed on each Payment Date until such time as either you or we cancel the subscription to that Product.

E.    Refusal of Subscription. We reserve the right to reject your subscription for Products for any reason such as: (a) unavailability of a service in the state where you reside, (b) your credit history, (c) inability to provide an Appropriate Payment Method (as defined in Billing and Payment Terms section above), or (d) you attempt to subscribe to PrivacyArmor Preferred and/or CreditArmor and we have previously paid claims to you or on your behalf equal to the Coverage Cap (as defined in Identity Fraud Expense Coverage below).

F.    Identity Fraud Expense Coverage. Reimbursement for expenses incurred due to the direct result of any confirmed/proven identity fraud commenced during the policy is outlined in the Expense Coverage Policy. 

G.    Cancellation of Service by Insured Person. You may cancel your subscription to any or all Products at any time by calling us at 1-800-789-2720 and informing us of your decision. Cancellation will be effective immediately. If you prepaid for more than one month you will receive a pro rata refund when you cancel.

H.    Service Mark Notice. InfoArmor, the InfoArmor logo, PrivacyArmor, Privacy Advocate, IdentityMD and SNAPD are our service marks (the "Marks"). All promotional materials, advertising, web sites, and any other Company marketing venues are protected by copyright and our Marks. Without our prior written consent, any use of our Marks, Products, copyrights or information is strictly prohibited.

I.    Privacy Policy. We will protect your personal information ("Confidential Information") using methods that are consistent with industry best practices, as set forth in our Privacy Policy. Please read our Privacy Policy or click the Privacy Policy link on the bottom of this web page. By affixing your electronic signature to this Agreement you are also accepting our Privacy Policy.

J.    Linking Policy. In order to provide the Products to you, we use a number of third parties. We have established Internet links from our web site to select news media outlets, the Federal Trade Commission, and other industry web sites. The linked sites are not under our control and we are not responsible for their content. Such links do not imply our endorsement or guarantee of the products, information, or recommendations provided by such sites. In addition, these third party web sites may have privacy policies that are different than ours and may provide you less security for your Confidential Information than we do. If you access any third party web site, you do so at your own risk. We disclaim all liability with regard to your access to such linked web sites.

K.    Liability Limitations. We are not responsible for the accuracy, completeness, and/or validity of any products or solutions provided to us by third parties such as consumer reporting agencies, or for incorrect information that you provide to us, such as incorrect or outdated contact information. In addition, we are not responsible for any losses, errors, injuries, expenses, claims, attorney's fees, interest, or other damages, whether direct, indirect, special, punitive, incidental, or consequential, (collectively, "Losses") caused by your use of the Products. Without limiting the foregoing, neither we nor our suppliers shall be liable for any: (a) failure to perform or any Losses arising out of an event or condition beyond our reasonable control, including but not limited to any of the events described in the Force Majeure section below; or (b) the loss, confidentiality, or security of any data while in transit via the Internet, communication lines, postal system, or ACH network. If you subscribe to any Product, you do it at your initiative and are solely responsible for compliance with applicable laws relating to the use of such Products, if any. Neither we nor our suppliers warrant the adequacy, accuracy, or completeness of any information provided as a part of your subscription to one or more Products or contained in any third party sites linked to or from our web site. With the exception of the product warranty with respect to Warranted Products, we disclaim any express or implied warranties, including any warranties of merchantability, fitness for a particular purpose, or error-free operation.

L.    Customer Service. We will be available to answer your questions and receive your comments or inquires via phone (1-800-789-2720) or email (clientservices@infoarmor.com) Monday through Friday 8 a.m. to 5 p.m. Mountain Time. If you contact us by email, we will use best efforts to respond to your message as soon as possible.

M.    Your Responsibilities. When you affix your electronic signature to this Agreement, that means you: (a) will be obligated to abide by all terms and conditions set forth in this Agreement; (b) will allow us to review your personal identity and credit information for evidence of any previous fraud or misuse; (c) understand that if we determine, in our sole and absolute discretion, that you knowingly and willfully committed fraud, we may refuse to allow you to subscribe to Products; (d) agree to inform us of any breach or misuse of your Confidential Information within 30 days of each incident in order to receive our assistance in recovering or restoring your identity; (e) understand that your Product subscription will be automatically renewed at the end of your subscription period and will be charged via the Appropriate Payment Method until you contact us to cancel your subscription as described in the Force Majeure section below; (f) agree to provide accurate information in your registration; and (g) not to share your password with third parties. Failure to comply with these requirements shall constitute a breach of this Agreement.

N.    Indemnification. You agree to use the Services only for the purposes stated in, and in compliance with, this Agreement. If you are subject to claims seeking damages as a result of our actions or failures to take action, you agree to resolve all such disputes in accordance with these Terms and Conditions.

O.    Governing Law. This Agreement shall be governed by and construed, interpreted, and enforced in accordance with federal law and, to the extent state law applies, the law of Arizona without regard to conflict of law's provisions.

P.    Arbitration. Any claim or controversy arising out of or relating to your use of the Products or to any acts or omissions for which you contend we are liable, including but not limited to whether a particular claim or controversy is subject to this Section ("Dispute"), shall be finally, and exclusively, settled by arbitration held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time. The arbitration shall be conducted in Phoenix, Arizona. The arbitrator shall be selected pursuant to the AAA rules. The arbitrator shall have the power to award no more than the prevailing party's actual, compensatory damages in connection with any Dispute, and may not award damages in excess of actual, compensatory damages, such as by multiplying actual damages or by awarding consequential, punitive, or exemplary damages (collectively, "Enhanced Damages"), and both you and we irrevocably waive any claim to Enhanced Damages, except where such a waiver would explicitly violate the law of the state in which you live at the time a Dispute arises. This section, regarding Arbitration, shall not be construed as an agreement to the joinder or consolidation of arbitration under this Agreement with arbitration of disputes or claims of any party other than you or us, regardless of the nature of the issues or disputes involved. Any judgment upon the award rendered by the arbitrator may be entered in any court which has jurisdiction over the non-prevailing party. By agreeing to the foregoing arbitration terms, you waive your right to go to court to assert or defend your rights. You also waive your right to participate in or bring class actions. If any of the foregoing provisions is determined by a court or arbitrator to be inapplicable or unenforceable with respect to a Dispute, you and we agree that, subject to the foregoing arbitration provisions, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Maricopa County, Arizona. If either you or we employ attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys' fees and expenses.

Q.    Force Majeure. Neither you nor we shall be liable for any loss nor damage due to causes beyond your or our control, including fire, explosion, lightning, pest damage, power surges or failures, strikes or labor disputes, water, acts of God, the elements, war, civil disturbances, acts of terrorism, acts of civil or military authorities, acts of others in violation of applicable law, inability to secure raw materials, transportation facilities, fuel or energy shortages, acts or omissions of communications carriers, or other causes beyond your or our control. Either you or we may terminate this Agreement immediately on written notice if the other party is prevented from performing its obligations under this Agreement for a period of more than 30 days due to the reasons set forth in this Cancellation section above.

R.    Assignment. We may assign our rights and/or delegate all or a portion of our duties under this Agreement to a third party. You may not assign your rights under this Agreement to anyone.

S.    Integration. This Agreement constitutes the entire understanding between you and us with respect to the subject matter of this Agreement, and all prior agreements, understandings, and representations concerning such subject matter are hereby made null and void in their entirety. This Agreement shall not affect any other agreement between you and us which sets forth terms and conditions applicable to subject matter other than the Products.

T.    Waiver. We shall not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of our rights under this Agreement. No waiver by us of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of this Agreement.

U.    Effect of Invalidity. If any provision of this Agreement is held to be invalid, the remaining provisions will remain valid and enforceable.

V.    Acceptance of Agreement. Payment of the Product Fee on each Payment Date constitutes your continued acceptance of this Agreement, including the Arbitration section.

W.    Our Contact Information. Unless otherwise agreed, you may contact us using any of the following means:

>    InfoArmor, Inc. Client Services, 9150 E. Del Camino, Suite 108, Scottsdale, AZ 85258
>    clientservices@infoarmor.com
>    1-800-789-2720

Information or notices by any of the above methods will be effective when we receive them.


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