Terms and Conditions


InfoProtector ® 360

The following Terms and Conditions of service (these "Terms and Conditions") govern Your access to and use of the InfoProtector ® 360 Benefits ("Benefits").

"You", "Subscriber" and "Your" refer to the individual who subscribed to InfoProtector 360, as indicated on Your enrolment confirmation email or letter ("Welcome Communication").

"Sigma", "We", "Us" and "Our" refer to Sigma Loyalty Group Inc.

InfoProtector 360 Benefits are provided by one or more authorized third-party service providers, some of whom may operate outside of Canada. Certain Benefits may be subject to additional Terms and Conditions. It is the Subscriber’s responsibility to read third-party Terms and Conditions carefully before using the services provided.

Eligibility

Your subscription is effective as of the enrolment date indicated on Your Welcome Communication. You are eligible to receive Benefits as long as Your subscription remains current. Eligibility for the Benefits also requires You to be a current InfoProtector 360 Subscriber at the time the applicable event occurs. You may be only eligible for certain Benefits outlined below based on the nature of Your subscription defined in the Benefit Guide.

Charge for the Product/Service

Your subscription fees (“Fees”), as indicated in Your Welcome Communication or as subsequently updated by Us on notice to You, will be charged in advance monthly to the payment account with which You registered for InfoProtector 360.

To ensure uninterrupted service, Your subscription will automatically renew until You cancel. Your credit card will be charged at the then current rate on the renewal date.

Cancellation Policy

Cancellation by You:

If You are not completely satisfied with Your subscription You may cancel at any time by telephone, fax, or email and Your Fees will be stopped. Not applicable to residents of Quebec: You will be entitled to use the Service until the last day of the current billing cycle or 30 days after the notification is received, whichever is earlier, after which Your Service shall be terminated and You will no longer be billed. Applicable only to residents of Quebec: Cancellation will be effective as of the date notification is received or a future date that You request, whichever is later. You will be refunded for the portion of Your Fees not completed as of the cancellation date.

Cancellation by Us:

Your subscription may be cancelled if Your account is not in good standing or if the Fees are not paid, or if You are found to be engaging in fraud or otherwise misusing the Benefits. We reserve the right to terminate subscriptions for any reason on 60 days prior written notice. It is the Subscriber's responsibility to notify InfoProtector 360 if the Subscriber changes his/her address or email contact information.

Information provided by You

You agree that all information provided by You will be used by Us or Our service providers to provide Your Benefits, in accordance with Our Privacy Policy, and that We may verify Your identity using security questions. You declare and warrant that You are providing Us with accurate information and have all necessary rights to submit any information provided in the course of receiving the Benefits and that any submitted information or materials do not infringe the rights of third parties. Note that if You withdraw Your consent to certain uses of Your personal information, We may no longer be able to provide certain components of the InfoProtector 360 Benefits.

Your email address is required in order to fulfill certain online servicing of the InfoProtector 360 features. You are responsible for ensuring InfoProtector 360 has an accurate email address on file. We expressly disclaim any and all responsibility and liability for online servicing if the email address on file is inaccurate.

You may be required to provide information in certain specified formats or methods to receive certain Benefits. You acknowledge and agree that We are not responsible for failure to provide Benefits or for data compromised as a result of Your failure to provide information using the requested formats or methods.

Online Monitoring

Use of the online monitoring service and any information received through the online monitoring service are entirely at Your own risk. There may be inaccuracies in content or delays in identification of reportable incidents and/or delivery of notification. You are responsible for reviewing the content provided and assessing whether to take action. You are also responsible for payment of fees or charges levied by any third-party (including Your Internet provider) to allow You to view content.

To be eligible for reimbursement of up to five thousand dollars ($5,000.00) in actual out of pocket expenses per subscription year, You must be a confirmed victim of identity fraud. Compromised data must have been identified by the online monitoring service and fraudulently used online. Applicable legal documentation as requested by Us, such as a copy of the police report, must be provided. To be entitled to receive any reimbursement, Your subscription must be in effect continuously from the time misuse of Your personal information was identified by the online monitoring service until and including the time that You request such payment from InfoProtector 360.

Device Protection

You must register to receive this service on the InfoProtector site. The Rebound Mobile Security application and Rebound website are operated by Yougetitback Limited ("YGIB") a third-party service provider, which is the owner of all intellectual property rights in the website and the application. You may only use the Rebound website and application for lawful purposes. YGIB reserves the right to withdraw, amend or restrict Your access to the service and software, and if it does so, You are not entitled to any abatement/refund of Your Fees. If You are under the age of 18 You may only obtain the software and services offered under the supervision of Your parents or guardian. Persons under the age of 13 are prohibited from using the application and website.

This paragraph does not contain all of the website terms of use. You are responsible for carefully reading the full terms and conditions on the Rebound website prior to registering for the Rebound service. Terms and Conditions of the Rebound Service are subject to change.

Data Storage

You must register to receive this service on the InfoProtector site. Online Data Backup is provided by a third-party provider and is subject to additional terms and conditions. You are responsible for carefully reading the full terms and conditions of the Online Data Backup software prior to downloading. Your access to the service and software may be withdrawn, amended or restricted, and if this is done, You are not entitled to any abatement/refund of Your Fees. Your data may be stored outside of Canada. On termination of Your subscription for any reason, You have seven (7) days from the effective cancellation date to remove Your stored data or You will no longer be able to retrieve it.

All the electronic documentation uploaded and stored on Your account ("Content") is owned by You. We don't control, verify, or endorse the Content that You or others put on the Services. You are responsible for: (a) all Content You place in Your InfoProtector 360 account(s) and share through the Services and (b) making sure that You have all the rights You need to the Content. In addition, by storing, using or transmitting Content You cannot and will not violate any law or these Terms (please also see the Acceptable Use Policy below).

You agree to provide Us (as well as agents or service providers acting on Our behalf to provide the Benefits) the right to transmit, process, use and disclose Content and other information which We may obtain as part of Your use of the Benefits but only: (i) as necessary for Us to provide the Services, (ii) as otherwise permitted by these Terms, (iii) as otherwise required by law, regulation or order, or (iv) to respond to an emergency.

Reimbursements

Device Tune-Up:

This benefit allows You to be reimbursed up to seventy-five dollars ($75.00) per subscription year towards the cost of keeping Your personal devices tuned up and secure. Devices include personal mobile or tablet devices and desktop or laptop computers. This reimbursement can be applied towards the protection of any of Your personal devices, but in no event shall Our liability exceed the reimbursement amount stated above across all personal devices. You must be an active Subscriber of InfoProtector 360 on the date indicated on the receipt or invoice right through to when the request for reimbursement is received by Us. You must submit all valid receipts or invoices along with proof of payment suitable to Us (e.g. sales receipt, invoice, etc.) in order to process Your request. Processing time will take between 4 to 6 weeks from the date the request for reimbursement is received. Your request for reimbursement must be submitted within thirty (30) days from the date of the device tune-up being performed or the device protection software purchase. Your name must be indicated on the receipt or invoice.

Sale Price Guarantee:

This benefit allows You to be reimbursed for the difference between what You paid for an item and its lower advertised price, inclusive of taxes. The purchased item must have been advertised in print at a lower price within ninety (90) days of the original purchase date, and must have been charged to the payment account to which Your Fees are charged. You are eligible to receive up to two hundred dollars ($200.00) for any one event, up to a maximum of four hundred dollars ($400.00) per subscription year. You must submit Your request for reimbursement, along with Your original receipt and the print advertisement of the purchased item, within thirty (30) days of the sale price being advertised. In no event shall Sigma’s liability exceed the reimbursement amounts stated above.

Lost Wallet Protection

Lost Card / Phone Report:

From the time You report the loss or theft of a payment card or mobile phone (each, an "Item", collectively "Items") to InfoProtector 360, You are covered against any subsequent fraudulent charges to the Item until the theft or loss is reported to the issuer by InfoProtector 360, provided that the following conditions are met: (a) Your subscription must be continuously in effect from the time such Items are lost or stolen until and including the time that the loss or theft is reported to InfoProtector 360, (b) You must have taken reasonable precautions not to disclose the applicable Personal Identification Number (PIN) or lock code to any other person, and have kept it strictly confidential and separate from the Items, (c) the fraudulent charges must be incurred in respect of the Items that were indicated lost or stolen at the time of the initial report. Subject to the regulations of the applicable issuer, InfoProtector 360 assumes responsibility for notifying issuers of the loss and will request replacement on Your behalf wherever possible. If the issuer will not honour the request, You will receive a call-back notifying You that We are unable to complete the request. You are responsible for remaining reachable by Us after reporting the loss/theft. You are eligible to use this service even if You have not registered Your information with InfoProtector 360 beforehand, provided You meet conditions (a)-(c) above. You are solely responsible for ensuring that InfoProtector 360 has accurate contact information on file.

We are not responsible for errors in processing by Your service provider, and expressly disclaim any and all responsibility for providing Services where You have not provided accurate information.

For You to be eligible for complimentary credit monitoring, You must have agreed to enroll in this service at the time You reported card loss or theft to InfoProtector 360.

Emergency Travel Services:

To be eligible to receive emergency services You must be stranded at least 250 km away from home and have reported Your cards as lost or stolen within the last 24 hours. The advance of funds to provide You with cash or airline tickets cannot exceed the greater of one thousand dollars ($1,000.00) or the available credit limit on Your credit cards. This amount must be paid back within thirty (30) days and may be subject to additional fees. Emergency cash cannot be sent to the following countries: Burma/Myanmar, Cuba, Iran, North Korea. This list is subject to change as Our third-party providers may periodically change the destinations where they are able to transfer funds. Speak with Our representatives for confirmation by calling 1-866-514-6655 or 416-734-3904 toll-free. These limits, fees and conditions may be subject to change and will be updated per the Terms of this agreement.

Travel Protection

Advice and Advisories:

You must download the Travel Smart app to access this service. A link has been provided in the InfoProtector site for Your convenience only. The Travel Smart app is provided and operated by the Government of Canada and may be subject to additional terms and conditions and acknowledgement that the Government of Canada is the owner of all intellectual property rights in the app.

Rebound Lost Item Return Service:

You must request Rebound Labels from an InfoProtector customer service representative to be able to use this service. Upon receipt, You are responsible for activating the unique ID included on Your Rebound Labels with an InfoProtector customer service representative. We cannot and do not accept any liability in respect of a) returning Your items if the unique ID on Your Rebound Labels is not activated; b) returning Your items if the Rebound Labels are not applied properly or are otherwise removed from the items on which You intended to affix them; and c) if applying the Rebound Labels causes any damage to the items on which You affix them.

Alerts

Alerts are provided for Your convenience only, and any alerts received and managed are entirely at Your own risk. There may be inaccuracies in content or delays in identification or notification of alert events. We cannot and do not accept any liability in respect of the content or timeliness of alerts received unless otherwise indicated in these Terms and Conditions. You are responsible for reviewing the alert provided, and assessing whether action is required. You are also responsible for payment of fees or charges levied by any third-party (including Your Internet or Mobile provider, etc.) to allow You to view content.

Acceptable Use Policy

You agree You will not, nor will You encourage others or assist others to, harm InfoProtector 360 or use InfoProtector 360 to harm others. For example, You must not use the Benefits to harm, threaten, or harass another person, organization or Us and/or to build a similar service or product/service. You must not: (a) damage, disable, overburden, or impair the Benefits (or any network connected to the Benefits); (b) resell or redistribute the Benefits or any part of it; (c) use any unauthorized means to modify, reroute, or gain access to the Benefits or attempt to carry out these activities; (d) make, copy or create derivative works of InfoProtector 360; (e) attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile or translate InfoProtector 360; (f) use any automated process or service (such as a bot, a spider, or periodic caching of information stored by Us) to access or use the Services; (g) use the Services beyond the features allocation and amounts provided in the Benefits; (h) use the Benefits to violate any law or distribute malware or malicious Content; or (i) distribute, post, share information or Content You don’t have the right to or is illegal.

General

All dollar amounts provided in the Terms and Conditions, Benefit Descriptions, Welcome Communication or on the InfoProtector 360 site are in Canadian Dollars.

We reserve the right to modify these Terms and Conditions from time to time in accordance with applicable laws. We also reserve the right to modify the Benefits included in Your subscription as well as associated pricing. We reserve the right to subcontract any of the Benefits and Services included in Your subscription to a third-party service provider. This agreement (as may be amended from time to time) and the supporting documentation contained in Your Welcome Communication constitute Our entire agreement with You. If there is any inconsistency between the supporting documentation and these Terms and Conditions, these Terms and Conditions will prevail.

All Services provided as part of Your Benefits ("Services") are offered "AS-IS". We make no warranties or representations, either express or implied, and expressly disclaim any and all liability (including damages), in relation to the provision of the Services. In addition, We do not represent or warrant that applicable call centres, websites or online resources will be available and meet Your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other destructive code will be transmitted or that no damage will occur to Your computer system. You have sole responsibility for Your data and/or equipment protection and backup and for taking reasonable and appropriate precautions.

InfoProtector 360 includes links to and from apps and websites operated by third parties. Links to or from apps and websites are for convenience only. We do not review or control, and are not responsible for, the content or policies of any linked apps or websites.

You agree to indemnify, save, defend and hold harmless Sigma, its parents, subsidiaries, affiliates, successors or assigns, and their directors, officers, employees, agents, representatives and third-party service providers from and against any and all claims, costs, expenses, demands, damages, lawsuits, fines, penalties and liabilities, including, without limitation, interest, penalties, court costs, and attorneys' fees to the extent resulting or arising from any breach of this Agreement including but not limited to Your fraudulent conduct or misuse of the Benefits.

To the extent permitted by applicable law, unless We agree otherwise, any claim, dispute or controversy, whether in contract or tort, pursuant to statute or regulation, or otherwise, and whether pre-existing, present or future, arising out of or relating to these Terms and Conditions, the Services, statements, promotions or advertisements relating to the Services or these Terms and Conditions will be determined by final and binding arbitration to the exclusion of the courts. That being said, the aggregate liability of Sigma and its affiliates, officers, resellers, employees, agents, suppliers or licensors, relating to the Services will be limited to the greater of: (a) one times the most recent monthly or annual fee that You have paid for that Service; or (b) one hundred dollars ($100.00). The limitations and exclusions also apply if this remedy does not fully compensate You for any losses or fails of its essential purpose.

Headings are for convenience only and shall have no effect on the construction or interpretation of these Terms and Conditions.

This Agreement is governed by the laws of Your Province or Territory of residence and Canada.

By paying Your Fees, You are deemed to have read and accepted the Terms and Conditions of this agreement as of the date Your payment is processed.

How to contact Us:

FOR GENERAL INQUIRIES

InfoProtector 360
PO Box 1700, Postal Station D
Toronto, Ontario M9A 5C7

Telephone Number: 1-866-514-6655 or local 416-734-3904

Fax Number: 1-800-565-2945
Email: info@myinfoprotector.com

Credit Alert® Plus

PLEASE READ THIS TERMS OF USE CAREFULLY. THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU (REFERRED TO AS "YOU" AND VARIATIONS SUCH AS "YOUR"), ON THE ONE HAND, AND INTERSECTIONS INC. AND SIGMA LOYALTY GROUP INC. (INTERSECTIONS INC. AND SIGMA LOYALTY GROUP INC. ARE REFERRED TO COLLECTIVELY AS "WE", "US" AND VARIATIONS SUCH AS "OUR"), ON THE OTHER HAND. THIS TERMS OF USE CONTAINS THE LEGAL TERMS AND CONDITIONS BETWEEN YOU AND US REGARDING THE CREDIT ALERT® PLUS, CREDIT ALERT® IDENTITY PROTECTION AND/OR CREDIT ALERT® CREDIT MANAGEMENT SERVICES, WHICHEVER OF THOSE SERVICES YOU ORDERED. THE SERVICES YOU ORDERED ARE REFERRED TO IN THIS TERMS OF USE AS THE “SERVICE,” AND THE TERM “SERVICE” AS USED IN THIS TERMS OF USE INCLUDES ALL OF THE PRODUCTS, SERVICES AND SOFTWARE THAT ARE INCLUDED WITH THE SERVICES YOU ORDERED. BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE SERVICE, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICE, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND AGREE TO BE BOUND BY THIS TERMS OF USE.

Use of the Service. You may not use the Service unless you are eighteen years of age or older. Any information you provide to us must be true, accurate, current, and complete. You shall not use the Service for any illegal purpose, and you shall abide by all applicable federal, provincial, local and international laws and regulations. The Service is for your personal use only, and not for commercial purposes. You may not use the Service to obtain information about or make decisions about anyone but yourself. You are solely responsible for any reliance by you on the Service or other use you make of the Service.

Personal Information Authorization. As needed to provide the Service to you, you authorize and instruct us to obtain, monitor and compile your credit information from one or more credit reporting bureaus or agencies, and other of your personal information for the purpose of providing the Service to you.

Limited Software License. In addition to all other provisions in this Terms of Use, the following provisions apply specifically to the software used, accessed or delivered as part of the PRIVACYPROTECTSM software (the "Software"): Conditional on your continued compliance with these Terms of Use, these Terms of Use provides you with a revocable, limited, non-exclusive, nontransferable license to use the Software solely as part of the Service. Any rights granted hereby may not be sublicensed, leased, sold, transferred or assigned by you to any third party. You may not make any copy of, or allow access to, the Software other than as expressly permitted in these Terms of Use. The PRIVACYPROTECTSM software may be installed on no more than one computer. You may use the Software on a network only if you have a valid license for each copy on each computer on the network. You may not use a previous version or copy of the Software after you have received an upgraded version as a replacement of the prior version. Upon upgrading the Software, all copies of the prior version must be destroyed.

Credit Reports and Scores. The Service is not intended to substitute for any free credit report or disclosure that any credit reporting agency or bureau is required by law to provide to you. Neither you nor anyone else has the right to have accurate and current information removed from your credit report. If information in your credit report is inaccurate you have the right to dispute it by contacting the credit bureau directly. Any credit score provided as part of the Service is provided to us by one of the credit bureaus in Canada and is not developed or created by us. Lenders and other creditors may use a different score to evaluate a person's creditworthiness. Each lender or other creditor has specific underwriting standards, so a person should not assume that he or she will receive the same evaluation, credit terms or conditions from each lender or creditor. We do not provide the Service, or any advice or assistance, for the purpose of improving your credit report, credit history or credit score.

Your Account. Registering as an online user or subscriber with the Service requires both a user name and a password, and certain portions of the Service may require use of multiple one time or persistent passwords. You should consider your user names and passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to the restricted portions of this Service and to your account. You must keep your user name and password confidential. You shall immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your user name and password. You must immediately change your user name and/or password as soon as you become aware of any loss or theft of your password or any unauthorized use of your user name and password. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH ANY OF THESE OBLIGATIONS. We reserve the right to delete or change a user name or password at any time and for any reason.

Fees and Charges. You authorize us to charge your credit card or other account that you have designated $19.99* each month. The Service is available for your use immediately upon enrollment. Billing will commence approximately 45 days following your enrollment. Monthly, annual and other periodic or renewal fees will be charged at the then current rate. To ensure uninterrupted service, your subscription will automatically renew until you cancel. You may cancel the Service at any time by calling the toll free number provided by us. You have the right to cancel your subscription without fee or penalty at any time.

*Applicable taxes are HST for ON 13%, PEI, NL, NB, NS 15% with the remaining provinces at GST 5% plus QC QST 9.975%. All tax rates are subject to change by the applicable regulatory authority. Sigma Loyalty Group Inc. GST /HST # is 76234 8522 RT0001, QST # is 1224069720-TQ0001

Changes to Service, Fees or Terms of Use; Termination. We reserve the right to modify these Terms and Conditions from time to time in accordance with applicable laws. We reserve the right to terminate your Service with or without cause at any time and for any reason. You may terminate your Service at any time by calling the number provided by us. Once your Service has terminated for any reason, you will have no further right or access to use the Service, and you immediately shall cease using and destroy all copies of any Software.

Privacy Policy. In connection with your enrollment and registration for the Service, or use of the Service, you will be submitting your personal information to us, or allowing us to access your personal information, including account passwords, user names, financial account information and other personal information, as well as other data, materials and content you submit ("Your Information"). BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE SERVICE, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICE, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ OUR PRIVACY POLICY AND AGREE TO BE BOUND BY IT. Subject to our Privacy Policy, you agree that we may use, copy, modify, display and distribute Your Information as we require to provide the Service. You represent that you have the right to give us Your Information and authorize its use as described above.

Electronic Notices and Communications. THE SERVICE IS AN ELECTRONIC, INTERNET-BASED SERVICE. YOU UNDERSTAND AND AGREE THAT THIS TERMS OF USE WILL BE ENTERED INTO ELECTRONICALLY, AND THAT THE FOLLOWING CATEGORIES OF INFORMATION ("COMMUNICATIONS") MAY BE PROVIDED BY ELECTRONIC MEANS: THESE TERMS OF USE AND ANY AMENDMENTS, MODIFICATIONS OR SUPPLEMENTS TO THEM; ANY INITIAL, PERIODIC OR OTHER DISCLOSURES OR NOTICES PROVIDED IN CONNECTION WITH THE SERVICE, INCLUDING WITHOUT LIMITATION OUR PRIVACY POLICY, THE REGULATORY DISCLOSURES SET FORTH BELOW, AND ANY OTHER COMMUNICATIONS REQUIRED BY FEDERAL OR PROVINCIAL LAW; AND ANY OTHER COMMUNICATION RELATED TO THE SERVICE. COMMUNICATIONS MAY BE POSTED ON THE PAGES OF THE SERVICE WEBSITE AND/OR DELIVERED TO THE E-MAIL OR POSTAL MAIL ADDRESS YOU PROVIDE. YOU SHOULD PRINT A PAPER COPY OF THESE TERMS OF USE AND ANY ELECTRONIC COMMUNICATION THAT IS IMPORTANT TO YOU AND RETAIN THE COPY FOR YOUR RECORDS. YOU MAY REQUEST A PAPER COPY OF LEGALLY REQUIRED NOTICE, WITHDRAW YOUR CONSENT TO RECEIVE COMMUNICATIONS ELECTRONICALLY, OR CHANGE YOUR EMAIL OR POSTAL ADDRESS FOR RECEIPT OF COMMUNICATIONS, BY CALLING THE NUMBER PROVIDED BY US OR SENDING YOUR REQUEST BY E-MAIL TO CUSTOMERSERVICE@ALERTSERVICE.CA. IF YOU CHOOSE TO WITHDRAW YOUR CONSENT, THEN YOU WILL RECEIVE COPIES OF LEGALLY REQUIRED NOTICES IN PAPER FORM. IN ORDER TO ACCESS AND RETAIN ONLINE COMMUNICATIONS, YOU MUST HAVE: AN INTERNET BROWSER THAT SUPPORTS 128-BIT ENCRYPTION; AN E-MAIL ACCOUNT AND E-MAIL SOFTWARE CAPABLE OF READING AND RESPONDING TO YOUR E-MAIL; A PERSONAL COMPUTER, OPERATING SYSTEM AND TELECOMMUNICATIONS CONNECTION TO THE INTERNET, OR IN THE CASE OF OUR MOBILE SERVICE, A WIRELESS DEVICE, SOFTWARE AND CONNECTION TO THE INTERNET CAPABLE OF SUPPORTING THE FOREGOING; AND SUFFICIENT ELECTRONIC STORAGE CAPACITY ON YOUR COMPUTER’S HARD DRIVE OR OTHER DATA STORAGE UNIT OR A PRINTER THAT IS CAPABLE OF PRINTING FROM YOUR BROWSER AND E-MAIL SOFTWARE.

Export Restrictions. The Service is only available for purchase by residents of the United States of America (the "U.S.") or Canada. Further, you understand and acknowledge that you may not sign up for the PRIVACYPROTECTSM portion of the Service, or download the PRIVACYPROTECTSM software, from countries outside of the U.S or Canada. You agree to abide by U.S. and other applicable export control laws and not to transfer the Software to a national destination or person prohibited under such laws. Further, you acknowledge that the Software includes encryption software that may be subject to export, import, and/or use controls. Accordingly, in no event may the Software and the underlying information and technology may not be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Afghanistan, Cuba, Iraq, Libya, former Yugoslavia, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders.

Privacy Protect Software: U.S. Government Restricted Rights. RESTRICTED RIGHTS LEGEND: All of our software and documentation is commercial in nature. The Software and Software documentation are "Commercial Items," as that term is defined in 48 C.F.R. § 2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation," as such terms are defined in 48 C.F.R. § 252.227-7014(a)(5) and 48 C.F.R. § 252.227-7014(a)(1), and used in 48 C.F.R. § 12.212 and 48 C.F.R. § 227.7202, as applicable. Consistent with 48 C.F.R. § 12.212, 48 C.F.R. § 252.27-7015, 48 C.F.R. § 227.7202 through 227.7202-4, 48 C.F.R. § 52.227-14, and other relevant sections of the Code of Federal Regulations, as applicable. The Software and any related documentation licensed to United States Government end users with only those rights as granted to all other end users, according to the terms and conditions contained in this Terms of Use. Manufacturer of the Privacy Protect Software is STRIKEFORCE TECHNOLOGIES, INCORPORATED, Customer Sales and Service, 1090 King Georges Post Road, Suite 108, Edison, New Jersey, 08837, USA.

Proprietary Rights. You acknowledge and agree that we or our licensors own all rights in and to the Service. Our and our licensors’ rights are protected by laws and regulations, including copyright laws, patent laws and international intellectual property treaties. You are permitted to use the Service only as expressly authorized by this Terms of Use. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile any of the Service or technology.

Third Party Products and Web Sites. We may offer or provide you access to products, services or Web sites provided by third parties, including but not limited to promotional or incentive offers, or free services provided by third parties, including the ZoneAlarm® Internet Security Suite and Web sites that hyperlink to our Web site. Neither we nor any third party provider of any component of the Service or of any information delivered as part of the Service control or bear any responsibility for those Web sites or third parties, including but not limited to their products or services or use by them of personal information you may provide them. Further, in order to use the Identity Theft Restoration Service you will be required to agree to additional terms and conditions of Sigma Assistel Inc., and you will be bound by those terms and conditions. If and when you provide any personal information of any kind to Sigma Assistel Inc., any use of that information will be governed by those terms and conditions and the privacy policy provided by Sigma Assistel Inc. to you.

Exclusion of Representations and Warranties. THE SERVICE IS PROVIDED ON AN "AS IS" BASIS ONLY. NEITHER WE, NOR ANY LICENSOR OR THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, MAKES, AND EACH EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, ACCURACY OR THAT THE SERVICE IS ERROR FREE OR SECURE. THE SERVICE CONTAINS INFORMATION PROVIDED BY ONE OR MORE THIRD PARTY CREDIT REPORTING AGENCIES OR OTHER THIRD PARTY DATA PROVIDERS. WE DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY SUCH THIRD PARTY PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT NEITHER WE NOR ANY SUCH THIRD PARTY PROVIDER HAS ANY OBLIGATION TO CORRECT INFORMATION ABOUT YOU EXCEPT AS REQUIRED BY APPLICABLE LAW. INFORMATION YOU REQUEST MAY NOT BE AVAILABLE OR MAY NOT BE PROVIDED, AND WE HAVE NO LIABILITY FOR SUCH FAILURE. NEITHER WE NOR ANY THIRD PARTY DATA PROVIDER SHALL BE LIABLE FOR ANY DAMAGES CAUSED BY NON-DELIVERY, DELAYED DELIVERY, OR THE MISDIRECTED DELIVERY OF AN ALERT, UPDATE OR OTHER INFORMATION, INACCURATE OR INCOMPLETE INFORMATION IN AN ALERT, UPDATE OR OTHER INFORMATION, OR YOUR RELIANCE ON OR USE OF ANY ALERT, UPDATE OR OTHER INFORMATION. WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. ANY SOFTWARE, MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK AND YOU SHALL BE SOLELY RESPONSIBLE FOR ANY INJURY, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.

Limitations of Liability. IN NO EVENT MAY WE, OR ANY LICENSOR OR THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICE MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE DURING THE TWELVE MONTHS PRIOR TO THE DATE YOUR CLAIM ARISES. SOME JURISDICTIONS LIMIT OR PROHIBIT THE FOREGOING LIMITATIONS, AND IN SUCH JURISDICTIONS THE FOREGOING LIMITATIONS SHALL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Miscellaneous Provisions. These Terms of Use are governed by the laws of the Province of Ontario, exclusive of its choice of law principles. These terms of use and the supporting documentation contained in this fulfillment package constitute the entire agreement.

Trademark and Copyright. © Intersections Inc. 2016. All rights reserved. INTERSECTIONS, CREDIT ALERT and PRIVACYPROTECT are trademarks or federally registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; TransUnion is a registered trademark of Trans Union of Canada, Inc.; and other trademarks are trademarks of their respective owners. The PRIVACYPROTECTSM Software is provided to you by us under a license from StrikeForce Technologies, Inc.