Terms of Service Agreement | August 18, 2020
You (“ you”, “ your”, “ yours”, “ member”) have requested to enroll in, register, sign up or subscribe (collectively, “ Enroll” or “ Enrolled”) for a service or product provided by the Identity Intelligence Group, LLC® dba IDIQ® its parent companies, subsidiaries, affiliates, divisions, contractors and all data sources and suppliers (collectively, “IDIQ”, “ we”, “ our”, “ us”).
TERMS AND CONDITIONS
You must read these IDIQ terms and conditions (“Service Terms”) carefully before you Enroll and use the Services defined in this agreement. These Service Terms are a legally binding agreement between IDIQ and you and define the terms that you agree upon to use IDIQ Services. Examples of identity protection services and/or products may include identity protection monitoring, identity theft insurance, identity theft information and identity theft assistance (“Protection Services”). Examples of credit related services and/or products may include credit reports, Credit Scores, credit monitoring, credit alerts and credit assistance (“Credit Services”). These examples and any other services or products that may be made available to you by IDIQ are collectively referred to as our Services. (collectively, “Services”).
The information on IDIQ websites (“Website” or Websites”) is intended as a convenience to provide you with information about our Services and a method to Enroll. Once you are Enrolled, you will have access to a password secured member website (“Member Site”) where you must go to access your Enrolled IDIQ Services. Access to the Member Site will continue if you are Enrolled and paying for Services. Your access to the Websites is provided “as is”. The Websites and Member Site may also be available as a full or partial featured version through your smart mobile phone.
The copying, framing, mirroring, scraping or data-mining of our Websites or any of its contents in any form or by any method is strictly prohibited. Access to our Websites does not grant you any right, license or privilege to reproduce, publish or use any material from the Websites or any property of IDIQ except as expressly set forth herein. Any ideas, concepts, techniques, procedures, methods, systems, designs, plans, charts or other materials you transmit to us through e-mail, phone, or our Websites will become our property and may be used by us at any time and for any purpose, without restriction, unless otherwise agreed to by IDIQ.
By using our Websites, you agree not to restrict or inhibit anyone from using or enjoying our Websites. In your use of our Websites, you shall not knowingly nor negligently transmit any viruses, malware, trojan horses, worms, time bombs, cancelbots or other similar harmful or deleterious programming routines.
ELECTRONIC AGREEMENT & ENROLLMENT
When you Enroll, you represent that you are a natural person, at least eighteen (18) years of age and residing in the United States or its territories. You further agree to provide IDIQ with personal information necessary to access and provide our Services to you. Some Services provided by IDIQ may include the option to enroll your minor children provided you are the parent or legal guardian.
YOU UNDERSTAND THAT IT MAY BE A VIOLATION OF LOCAL, STATE AND FEDERAL LAW FOR YOU TO OBTAIN A CREDIT REPORT FOR ANYONE OTHER THAN YOURSELF.
IDIQ reserves the right to refuse to allow you to enroll in certain circumstances that may apply to you such as a history of misusing our Websites, creating phony enrollments in an IDIQ Service, misusing IDIQ Service special offers, filing fraudulent credit card chargeback requests on a previous IQID Service or non-payment of Services.
To Enroll in an IDIQ Service you must visit an IDIQ Website or some other method we expressly permit. As a convenience to you, IDIQ may provide internet links to websites owned or operated by other entities and persons. If you use these websites, you do so at your own risk. IDIQ makes no warranties or representations regarding these websites, and shall not be liable or responsible for, any linked websites, your use of such sites, or the comprehensiveness or accuracy of information or materials appearing thereon or any products, publications, subject matter or services described thereon. Furthermore, links do not imply that IDIQ sponsors, endorses or is affiliated or associated with such sites, or that any linked website is authorized to use any registered mark, service mark, website look – feel – design, trademark, trade name, logo or copyright of IDIQ.
To start your Enrollment process (“Process”) you will need to click a Website button such as “start membership” from an IDIQ Website. The Process will prompt you to provide personal information such as your full name, birth date, residence address, email address, social security number and payment card information. Entering and maintaining accurate information during and after Enrollment is critical to the accuracy and availability of the Services we provide to you. Examples of how inaccurate information may affect your IDIQ Services include; non-delivery of Service alerts due to an incorrect email address, inaccurate credit reports due to incorrect personal information or temporary deactivation of services due to failed charges associated with outdated payment card information. If your personal information changes, you must keep it up to date so that your Services are not negatively impacted. You may update your personal information from the Member Site or by calling IDIQ customer service. IDIQ is not responsible for inaccurate personal information you enter that may affect your Services.
During the Process, you will be prompted to complete a one-time identity authentication. This authentication is required and involves answering online questions, that are provided by the credit bureau, to validate your identity before we provide access to your credit information. Provided that you complete this step and the payment of any fees successfully, you will then be considered a Member and will be eligible to access the Services which you have enrolled in.
If you do not successfully complete the identity authentication, you will be prompted to contact IDIQ customer service by phone at the soonest possible time to complete the process manually. If you do not complete your identity authentication within a reasonable period of time, IDIQ may place you in an alternate plan. This plan may deliver as many benefits as possible without an identity authentication at a reduced price reflecting the reduction in benefits. This plan is intended to assure that you are not without the basic identity theft monitoring protection services you expected. You will have limited access to the credit monitoring alert benefit. As an example, any personal information or credit monitoring details provided from the credit bureau through a credit monitoring alert may not be available to you. Once you have successfully completed the identity authentication, you may upgrade your account to any available plan by logging into your member website or calling IDIQ customer service.
Finally, the enrollment process will provide you with a summary of the services you are purchasing, their cost, terms and any special offer details.
In some cases, your Service terms may include group discounts, employee discounts, special or introductory offers (“Offer”). If your Enrollment includes one of these Offers it will be represented to you during the Website Enrollment Process. Depending on the Offer, it may be:
Introductory Offer – These offers are intended to allow first-time customers to try our Services under special terms such as a reduced cost for a period of time. The following will apply:
- Your welcome email will include a description of your services, a receipt and further information on how you may cancel your services.
- Services associated with your purchase may be made available to you immediately upon the successful completion of your enrollment and identity authentication.
- After the introductory offer expires, your Services will convert automatically to the regular price as set forth during your Enrollment and found in your Member Site. When required, you may be notified in advance by email. Upon the completion of any introductory offer, all normal terms and conditions outlined in this agreement will apply. All other Service plan terms specific to your purchase would apply.
Group / Employee Discounts (collectively “Benefits”) – These offers are intended to allow groups or employees of a participating business to enroll in our Services under special terms such as a reduced group cost. When you enroll online, the Plan, fee (if any) and effective date of your services will be disclosed to you. All other terms and conditions outlined in this agreement will apply.
SERVICES & PRODUCTS
IDIQ Services are offered in plans (“Plan” or “ Plans”) that generally include one or more benefits or features (“Benefits”). Certain individual Services such as a credit report may also be offered as a one-time or one-shot purchase (“A la carte”). Each plan may contain a different arrangement of Benefits. To determine which Plan or A la carte purchases you are enrolled in, see the list in your Member Site.
ANY PERSON USING DECEPTION TO KNOWINGLY AND WILLFULLY OBTAIN A CONSUMER CREDIT REPORT, SCORE, OR CREDIT SERVICES MAY FACE CRIMINAL PROSECUTION.
Identity Protection Services
Some Plans may provide you with the availability of identity Protection Services (“Protection Services”). This may include but is not limited to identity theft monitoring and alerts, identity theft insurance, identity theft information and assistance.
Identity Protection Monitoring – Your identity Protection Services may include one or more types of identity protection monitoring (“Protection Monitoring”). Types of Protection Monitoring may include but are not limited to: criminal records, dark web, social security number, change of address and loan application. Protection Monitoring will generally monitor for certain activity tied to your personal information that could be the precursor to credit fraud or identity theft. In some cases, you may need to manually activate your Protection Monitoring services from the Member Site. The Member Site will indicate when your Protection Monitoring has become active. Our Protection Monitoring may be provided to you through third party providers. If a monitored event occurs, we will attempt to electronically alert you by email and/or text. A more detailed report associated with the alert may be available from the Member Site. By agreeing to these Service Terms, you acknowledge that IDIQ cannot monitor for all the possible ways your identity could be breached, and that identity protection monitoring may not identify all the potential ways that your identity or credit could be fraudulently accessed or used. The type of Protection Monitoring we provide to you may change from time to time.
Identity Protection Insurance – Should you become a victim of identity theft you may be covered for certain losses in accordance with identity theft insurance included in your Plan. Your Plan may also extend this coverage to some of your immediate family members up the limit of the benefit. You may be able to add family members beyond the limit of the benefit at an additional cost. Identity theft insurance is provided through a licensed third-party insurer. All insurance service claims, and specific insurance customer service will be provided through the third-party insurance provider. To file a claim, contact IDIQ customer service at the number provided from your Member Site. The customer service agent will provide you with contact information to the third-party insurance provider where you can file your claim. If your Plan includes identity theft insurance, you agree to such insurance coverage and that the premium for such insurance coverage will be paid by us on your behalf. You agree to receive notices of insurance changes electronically.
Identity Protection Service Assistance – If you believe you are the victim of identity theft, your Plan may include access to an IDIQ Identity Theft Specialist. The Identity Theft Specialist is available to answer questions about identity theft monitoring alerts and questions about handling identity theft events within the limits of the Plan you purchased.
Some Plans may provide you with the availability of credit related services (“Credit Services”). This may include but is not limited to accessing your credit report(s) from one or more credit bureaus, Credit Scores derived from your credit report data, credit monitoring of selected data from your credit report and alerts. Your enrollment in a Plan with Credit Services is dependent on the credit bureaus ability to find your credit data in their records by using the personal information you provide to IDIQ and a successful identity authentication during your Enrollment. If the credit bureaus cannot find some or all your credit data, then the Credit Services we provide to you may be incomplete or in some cases not available. However, other benefits of the Plan you are enrolled in may still be available.
Authorization – You understand that by enrolling in Credit Services, you are providing “written instructions” in accordance with the federal Fair Credit Reporting Act, as amended (“FCRA”) for IDIQ and its service providers which may include but is not limited to ConsumerInfo.com, Inc., to obtain information from your personal credit profile from Experian®, TransUnion® and Equifax®, the three major credit reporting agencies or bureaus. These written instructions authorize IDIQ, on a recurring basis, to use your Social Security number to obtain your credit related data file from any credit bureau(s) so we can deliver the Credit Services you have purchased. Delivery of your Credit Services may include but is not limited to; (a) confirming your identity, (b) providing your credit data and scores to you through the Member Site, (c) monitoring your credit data and providing certain alerts.
Credit Reports – Your Credit Services may include one or more credit reports. These credit reports may be provided by one or more third party credit bureaus. When you use our Member Site to access your credit report(s) you agree and understand that; (a) your credit report(s) may be stored and accessible from the Member Site for a limited time not to exceed 1 year, (b) your credit report(s) may not be available to you after you cancel your Services, (c) IDIQ is not responsible for the information, accuracy or content of your credit report date file including but not limited to any associated Credit Score, (d) if you want to dispute any information found on your credit report(s), you must contact the issuing credit bureau and follow their procedure to dispute the information.
Credit Score – Your Credit Services may include access to a Credit Score from a third-party service such as but not limited to FICO® or VantageScore® (“Credit Score” or “Credit Scores”). Credit Scores are available in the marketplace using many types of mathematical models. These models generally calculate your score based on information found in your credit report data file at the date and time the report data is accessed. Each third-party Credit Score model has its own proprietary method of calculating your Credit Score. When you use our Member Site to access your Credit Score(s) you agree and understand that; (a) your Credit Scores may be stored and accessible from the Member Site for a limited time, (b) your Credit Scores may not be available to you after you cancel your Services, (c) IDIQ is not responsible for the information, accuracy or content used to create your Credit Score. (d) Two common Credit Score models and their definitions include the following:
VantageScore 3.0® Credit Score – VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly Credit Score model developed by the three major nationwide credit report agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. High scores represent a greater likelihood that you will pay back your debts, so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders you may be a higher credit risk. There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit Scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So, your Credit Scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your Credit Scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and the same credit file. There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don’t be surprised if your lender gives you a score that’s different from your VantageScore (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender’s score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
FICO® Score – FICO Scores are developed by the Fair Isaac Corporation. The FICO Score provided by CSIdentity Corporation., (“CSID”) an affiliate of ConsumerInfo.com, Inc. also referred to as Experian Consumer Services (“ECS”), Experian CreditWorks℠, Credit Tracker℠ and/or Your IDIQ Credit Services membership (as applicable) is based on FICO Score 8, unless otherwise noted. Many but not all lenders use FICO Score 8. In addition to the FICO Score 8, ECS and CSID may offer and provide other base or industry-specific FICO Scores (such as FICO Auto Scores and FICO Bankcard Scores). The other FICO Scores made available are calculated from versions of the base and industry-specific FICO Score models. There are many different credit scoring models that can give a different assessment of your credit rating and relative risk (risk of default) for the same credit report. Your lender or insurer may use a different FICO Score than FICO 8 or such other base industry-specific FICO Score, or another type of Credit Score altogether. Just remember that your credit rating is often the same even if the number is not. For some consumers, however, the credit rating of FICO Score 8 (or other FICO Score) could vary from the score used by your lender. The statements that “90% of the top lenders use FICO Scores” and “FICO® Scores are used in 90% of credit decisions” are based on a third-party study of all versions of FICO Scores sold to lenders, including but not limited to scores based on FICO Score 8. Base FICO Scores (including the FICO Score 8) range from 300 to 850. Industry-specific FICO Scores range from 250-900. Higher scores represent a greater likelihood that you’ll pay back your debts, so you are viewed as being a lower credit risk to lenders. A lower FICO Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies –Experian, TransUnion and Equifax – that maintain a record of your credit history known as your credit report. Your FICO Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two agencies. So, your FICO Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your FICO Score may also change.
Credit Monitoring – Your Plan may include credit monitoring (“Credit Monitoring”). Credit Monitoring may generally monitor one or more of your IDIQ provided credit bureau data files for activity that could be the precursor to credit fraud or identity theft. In some cases, you may need to manually activate your Credit Monitoring services from the Member Site. The Member Site will indicate when your Credit Monitoring has become active. If a monitored event occurs, we will attempt to electronically alert you by email and/or text. A more detailed report associated with the alert may be available from the Member Site. By agreeing to these Service Terms, you acknowledge that not all transactions or Credit Score changes will be monitored including some that may involve the potential for fraudulent use of your identity or credit. The type of Credit Monitoring we provide to you may change from time to time.
Credit Score Monitoring – Your Plan may include Credit Score monitoring (“Score Monitoring”). Score Monitoring may generally monitor your Credit Score(s) from one or more Credit Score providers used by IDIQ for your Services. Score Monitoring may monitor for changes and other events associated with your Credit Score. The Member Site will indicate when your Score Monitoring has become active. If a monitored event occurs, you may be electronically alerted. A more detailed report associated with the alert may be available from the Member Site. Your score may be graphically tracked and presented to you through the Member Site. By agreeing to these Service Terms, you acknowledge that not all Credit Score changes or Credit Score models will be monitored. The type of Score Monitoring we provide to you may change from time to time.
Interactive Self-Help Tools – Interactive self-help Tools we make available to you through our Websites may be provided by third parties not affiliated with IDIQ. These Tools are offered to you as a Service with benefit names such as but not limited to the Credit Score simulator or IQAlerts, Synthetic ID Theft, ScoreTracker, and ScoreCasterIQ™ (“Tools”). The information displayed from these Tools is based on point-in-time data, and may not necessarily be representative of recent occurrences such as bankruptcy, foreclosure, late payments, new accounts etc. All of which may potentially impact your score and the outcome of our self-help Tools.
Web based Tools we make available to you are intended to educate and assist you with general Credit Score related scenarios that may be based on a broad scope of credit report related data. These Tools are provided to you “AS-IS”. IDIQ does not represent or guarantee their accuracy or that they will help you raise your Credit Score, or establish or rebuild good credit, or improve your credit record, credit history or credit rating.
The information from our Tools does not consider your personal financial situation. Your personal financial situation is unique and the information from our Tools may not be appropriate for your overall situation. Accordingly, before making any final decisions or implementing any Credit Score management strategy, we recommend that you obtain additional information and if needed advice from a domain expert such as your financial advisor who should be fully aware of your individual circumstances. IDIQ is not a credit repair organization and cannot provide you with advice or assistance in improving your credit report, credit history or Credit Score rating. The output of these Tools is based on information and criteria used in the United States of America. We make no representations that these Tools are appropriate for use in other jurisdictions.
Credit Related Assistance – Your Plan may include access to an IDIQ Credit Specialist. The Credit Specialist is available to answer general questions about credit monitoring alerts, credit reports, Credit Scores, and how to dispute inaccurate information on your credit report. However, they are not allowed to provide specific credit related advice. You understand and agree that IDIQ cannot assist you to directly to place fraud alerts, a credit report freeze or dispute information on your credit report.
Before you can use IDIQ Services, you must Enroll and pay service fees (“fees”, “costs”) associated with the Plan or A la Carte purchase you choose. All fees must be paid in United States currency. Fees for a Plan or A la carte purchase may involve a one-time cost, or a recurring charge based on subscription Services. If your Plan involves a recurring charge, you may be provided with the option to pay monthly, quarterly or annually by one or more of the payment options that may be made available to you and are listed below. A receipt for your service fees will be available from the member website and sent to the email address you maintain with us.
If your Payment Card information changes or you prefer to use an alternate Payment Card, then you are responsible to update the information at the Member Site or by calling IDIQ customer service. We reserve the right to (a) verify that your Payment Card is authorized for fees prior to processing any purchase or renewal from you, (b) access automatic updates of your Payment Card information electronically from your bank provider, (c) retry failed payments in order fulfill your Services payment obligation.
Group / Employee Discount Plan – In all cases, Services provided through a group or employee plan will be paid directly by your group or employer. Your group or employer will be responsible to collect fees from you, if applicable. Such fees, if any, may be paid by you through payroll deduction directly to your employer. In the case where your group or employer do not pay their invoice for your Services, then your Plan would be affected, as outlined in this section. All other terms and conditions outlined in this agreement will apply.
If your Payment Card fails when a service fee is charged OR your group or employer do not pay their invoice for Services on your behalf then the benefits in your Plan may be temporarily placed on hold until your payment(s) are successfully processed. UNSUCCESSFUL PAYMENTS FOR YOUR RECURRING SERVICES WILL ACCRUE AND DOES NOT CLOSE YOUR ACCOUNT. YOU AGREE THAT IDIQ HAS NO LIABILITY FOR THIRD PARTY FEES YOU MAY INCURE WHEN YOUR PAYMENT METHOD TO US FAILS OR IS REJECTED FOR ANY REASON INCLUDING ISSUFFICENT FUNDS. EXAMPLES OF FEES YOU COULD BE RESPONSIBLE FOR INCLUDE OVERDRAFT AND/OR OVER-THE-LIMIT CHARGES OR OTHER BANK FEES.
In all cases, you are personally responsible for any local, state, federal or other taxes that may be associated with your purchases of our Services. We also reserve the right to collect such taxes at the time any purchase is processed with your Payment Card.
The term of time that your Services will last will be provided to you when you Enroll and from your Member Site. A la carte and some Plans you purchase may be a one-time purchase. Other Plans are considered a recurring monthly subscription purchase. Unless you cancel, or your account is terminated, your recurring Plan will automatically continue indefinitely or until its published expiration date if applicable. You will be responsible to pay the recurring cost of the Plan when you Enroll and each month thereafter.
CANCELLATION & REFUND
You may cancel your Services and close your account at any time using any of the following methods.
- Contact customer service by phone during regular business hours using the phone number published in the Member Site. To cancel, we must verify your identity during the call.
- When available, click the cancel button found in your member website.
Once your account has been cancelled, any identity theft insurance and/or monitoring associated with your Services will immediately be discontinued. You may in some cases still have access to login to the Member Site to use certain features or make future purchases. However, you may not have access to the various benefits associated with the Plan you cancelled such as identity protection monitoring, credit monitoring and credit reports.
SINCE SERVICES ARE MADE AVAILABLE TO YOU UPON ENROLLMENT OR PURCHASE AND COSTS ARE INCURRED BY US, WE DO NOT PROVIDE REFUNDS.
IDIQ reserves the right to cancel or terminate Services to you upon notice and with or without cause.
ACKNOWLEDGEMENTS & AUTHORIZATIONS
IDIQ reserves the right to modify these Service Terms and our Services at any time for any reason. If this Service Agreement or our Services are modified, and you are affected, then we will make a reasonable effort to notify you electronically. To see such a posted notice, you must login to the Member Site. However, you understand and acknowledge that we have no responsibility to provide direct notice of any changes to these Service Terms or the Services you purchase. If you disagree with a change, your only option will be to cancel your Services.
Re-Agreement to Service Terms
In some circumstances, you may be prompted upon login to the Member Site to re-agree to these Service Terms. This could occur if the Service Terms have been modified or a period of time has elapsed since your original Plan enrollment. In such an instance, you must re-agree to the Service Terms to continue your Services. If you disagree and do not wish to re-agree to the Service Terms, then your only option will be to cancel your Services.
Services Not Offered
You acknowledge that IDIQ does not provide; credit counseling, debt management, legal advice, tax advice, financial advice, credit repair or credit advice. IDIQ is not a lender or insurance company.
Outcome & Expectation of Services
You acknowledge that IDIQ is not responsible for the accuracy of your credit report, Credit Score or any monitoring output. These benefits may be provided by third party services. You are encouraged to dispute any actual or perceived inaccuracies on your credit report by contacting the affected credit bureau. You acknowledge and agree that IDIQ will not be liable to you or your enrolled minor children or any third party based on your reliance of or use of any information we provide to you in any communication, alert, educational material, communication, website, customer service conversation or report.
Fair Credit Report Act
The FCRA allows you to obtain a copy of all the information in your consumer credit file from a consumer reporting agency for a reasonable charge. Full disclosure of information in your file at the three national credit repositories (“Repositories”) must be obtained directly from the repositories at:
Trans Union: www.transunion.com
The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:
- You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification; or
- You are on public welfare assistance; or
- You have reason to believe that your file at the consumer reporting agency contains inaccurate information due to fraud; or
- You have been denied credit, insurance, or employment within the past 60 days because of your credit report.
The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information from IDIQ to dispute inaccurate or incomplete information in your credit file maintained by Experian, Equifax, or TransUnion.
Credit reports provided from IDIQ are not intended to constitute the disclosure of Experian, Equifax, or TransUnion information required by the FCRA or similar state laws.
The FCRA allows consumers to get one free comprehensive disclosure of all the information in their credit file from each of the credit Repositories once every 12 months through a central source. Although comprehensive, the credit reports from each of the Repositories that are available from an IDIQ Service Plan may not have the same information as a credit report obtained directly from the three Repositories or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You can also contact the central source to request this free annual disclosure by calling toll free 877-FACTACT (877-322-8228) or by using the mail request form available at the central source website. The Services at our Websites are not related to the free FCRA disclosure that you may be entitled to.
Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may receive an additional free copy of their credit report once per year and residents of the state of Georgia may receive two (2) additional copies per year. For Illinois residents, credit reporting agencies are required by law to give you a copy of your credit record upon request at no charge or for a nominal fee.
Click HERE for a full text of your summary of rights.
Access to Services and System Requirements
To utilize and access Services you are Enrolled in you must use a computer or smart phone with internet access, a web browser and a working email address. IDIQ is not responsible in any way or form for your ability to access your email, internet or phone.
Privacy & Who May Use
You agree that You will use our Services only for your own behalf.
You will be responsible for all use of your membership account and notify IDIQ immediately of any unauthorized use of your membership or the theft or misplacement of your membership access credentials.
Your Protection & Conduct
The security of your account and data is of the utmost importance. To access our Member Site, you must have a valid login user ID and password. You will receive your user ID and password after you Enroll in one of our Services for the first time. You are responsible to maintain the security and confidentiality of the password associated with your IDIQ account. If you forget or feel your password has been compromised, you may quickly reset your password by choosing the “forgot password” option at our Website login or by calling IDIQ customer service.
You acknowledge that perfect security does not exist anywhere. As such, you will not recklessly expose your social security number or other personal information to anyone that might misuse it for any purpose that would negatively affect your credit or identity. You further agree that any information you print from the Member Site, such as your credit report, will be protected in a manner like other important documents you may have. Finally, you agree that if you intend to dispose of your credit report or other printed personal information that was printed from the Member Site, that you will use a method that assures the documents cannot be reused by an unauthorized person. A sample of a reasonable method of document disposal includes a crosscut document shredder.
Portions of the delivery of our Services to you may require us to communicate with you in a variety of ways including phone, email, postal mail or text (“Methods”). In some cases, when a phone is used, we may use an automated phone dialer. Examples of communication Methods that we may utilize with you include but are not limited to the following; (a) confirmations and account maintenance communications, (b) monitoring alerts (c) problems with your account, and (d) special offers. Communications we send you are provided as a courtesy. Because all communications to you are provided in some way through a third-party communications provider, we cannot guarantee and are not responsible to assure communications we send you are delivered in a timely, complete manner or at all.
By enrolling in our Services, you agree that IDIQ and its employees or contractors may contact you by using any of the communication Methods described above. The frequency of communications and/or alerts will vary based on the Plan you are enrolled in and the events that may occur with your account, credit or identity information. You agree to allow us to send you communications after you cancel your service. Such communications may include but are not limited to; (a) ongoing educational information related to our Services, (b) special offers to renew or purchase IDIQ services.
If you are enrolled through a group or employee discount plan, you acknowledge and agree that IDIQ may communicate with authorized persons from your group or employer about items related to the enrollment, delivery and payment of your Services. However, IDIQ will at no time disclose or provide any access to any specific services such as credit data or monitoring data to your group or employer. Such communications between IDIQ and your group or employer are strictly related to the management and delivery of the group / employee discount plan. If you cancel your Services, your group or employer may be notified in order make administrative and payment changes.
You agree to maintain up to date contact information in your account through the Member Site or by calling IDIQ customer service. You acknowledge that IDIQ has no liability to you; (a) if contact information you have provided is not up to date, (b) if any third-party communication services are not working correctly or at all, (c) for third-party party charges you may incur that are associated with communications we send to you. This includes but is not limited to your third-party communications providers for data, mobile phone or land phone line plans. Text message fees and roaming charges may apply to you through your phone provider. Please contact your mobile phone provider for more details, if any, on these fees. You may have the ability to opt-out of certain communication Methods, such as texting, by changing your preferences at the Member Site or by calling IDIQ customer service.
Should you decide that you do not want IDIQ special offers, you may opt-out of communications about these offers by making changes to your personal profile at the Member Site or by contacting IDIQ customer service.
Third Party Offers & Services
You acknowledge that certain services that may be offered in your Plan, such as but not limited to, checking account reports, may be provided by third parties. Additionally, you may be offered products, services or special offers through the Member Site or through Communications from third parties. These offers are intended to provide you with potentially discounted products or services that may compliment your services at IDIQ.
You agree and understand that these services are not provided by IDIQ and that we are not responsible for the content, offers, products or services that may be offered to you. When you click a link to any third-party website from our Member Site you acknowledge that you are leaving the IDIQ Member Site. In all cases, the link should open in a new internet browser window. Purchasing services or products is an independent decision to you at your own risk. If you click a link or visit a website associated with these third-party offers or services, you acknowledge and agree that the control and security of the third-party website is not managed or influenced by IDIQ and is not the responsibility of us. Should you decide to purchase products or enroll is such third-party services you further agree that IDIQ is not responsible in any way to the delivery, cost or management of the services or products. Samples include but not limited to the security of third-party website, level of support you receive, quality of the service or product, your satisfaction, refunds or cost of the service or product.
Should you decide that you do not want non-IDIQ service offers, you may opt-out of communications about these offers by making changes to your personal profile at the Member Site or by contacting IDIQ customer service.
Customer Surveys and Reviews
By submitting any responses or content (“Responses”) to IDIQ or any third-party about IDIQ, such as survey Responses or reviews, you grant IDIQ a perpetual, royalty free, irrevocable, transferrable right to nonexclusive license to use, copy, modify, adapt, publish, translate, delete, create works, sell distribute and utilize the Responses into any form we wish throughout the United States or the World with no compensation to you. You will not have any control to review or edit Responses used by IDIQ. IDIQ reserves the right to use or not use your Responses for any other purpose at our own discretion.
If you create Responses, you agree, warrant and represent that; (a) you are the lone author and owner of the Responses, (b) all Response are accurate first hand experiences to you (c) you are a current or past customer of IDIQ, (d) your Responses will not cause injury to any person or entity, (e) you will not infringe any third-party registered mark, service mark, website look – feel – design, copyright, patent, trademark, trade secret or other proprietary rights, (f) your Responses to do violate any laws, (g) your Responses are not hateful, offensive, unlawfully threatening, harassing, defamatory or libelous to any person or entity, (h) you have not been compensated by any third-party to produce your Responses.
You may contact IDIQ customer service during our regular business hours excluding certain common U.S. holidays by calling the toll-free phone number provided at the Member Site.
You acknowledge and agree that; (a) all content associated in any way to our Services and product such as but not limited to our Websites, Services, logo, customer support, education material, communications and processes (“Content”) are the copyrighted work of IDIQ or its third-party content suppliers and is protected by copyright laws, (b) IDIQ’s names, such as but not limited by IdentityIQ®, CreditReportIQ®, CreditScoreIQ®, CreditBuilderIQ® , DataBreachIQ®, MyScoreIQ®, ScoreCasterIQ® and IDIQ brand logos, all website page headers, the look and feel of our websites, custom graphics and button icons are service marks, trademarks and/or trade dress of IDIQ (collectively, the “Marks”), and (c) all other trademarks, product names, company names or logos on the Websites are the property of their respective owners and you have no right to use nor copy such property. In addition to agreeing to comply with all applicable laws in connection with your use of our Websites, you agree you will not use any such Content or Marks from this Website for any purpose without the appropriate prior written authorization from IDIQ.
The brand names, trademarks, service marks, logos etc. of IDIQ third party suppliers such as but not limited to FICO®, Experian®, TransUnion®, Equifax® and VantageScore® 3.0 are used under license by IDIQ but are owned by the respective IDIQ third party supplier.
Disclaimer and Limitation of Liability
You expressly understand and agree that your use of our Websites, the Services and Content is at your sole risk. All Services, Content, tools and calculators are provided on an “as is” or “as available” basis. IDIQ and its respective suppliers expressly disclaim all warranties, guaranties and conditions of any kind whether express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title or noninfringement. The information contained in our Websites does not constitute legal, tax, accounting or other professional advice. IDIQ and its respective suppliers make no warranty that; (a) the services and content are accurate, timely, uninterrupted or error-free; and (b) the results that may be obtained from the use of the Services or Content will be reliable.
You understand and agree that IDIQ and its respective suppliers will not be liable for any reason for any direct, indirect, incidental, special, consequential or exemplary damages resulting from or in any way connected to your access to, use, or inability to use the Websites, Services, membership benefits or Content, or from your access to, use, inability to use, or reliance upon any linked website, even if IDIQ or its respective suppliers have been advised of the possibility of those damages. Some jurisdictions either do not allow or place restrictions upon the exclusion or limitation of damages in certain types of agreements, and in these jurisdictions, the aforementioned limitation on liability shall be to the maximum degree permitted by applicable law. If, notwithstanding the above, liability is imposed upon IDIQ, then you agree that any such liability, regardless of the nature of the legal or equitable claim, shall not exceed the amount paid by you to IDIQ for the Service(s) you purchase from IDIQ.
In addition, the following limit of liability applies to all Services where the supplier is a credit reporting agency such as Experian®. Neither IDIQ, any their respective affiliates shall have any liability to you as an agent in obtaining copies of your personal credit report, credit alert report, quarterly update, or Credit Score. Neither IDIQ, CIC nor any of their respective affiliates or credit information subcontractors make any warranty, express or implied, for the accuracy of the information contained in or provided in conjunction with the IDIQ Services you may be enrolled in. Neither IDIQ, CIC nor any of their respective affiliates assume any liability for damages, direct or indirect, consequential or incidental, in connection with the performance of the services of your request, use or attempted use of the Servicers. Neither IDIQ nor any of their respective affiliates or credit information subcontractors are responsible for negative factual information contained in any reports you receive or as part of the Service. The aggregate liability of all such parties to you in any event is limited to the amount which you have paid IDIQ for your membership. IDIQ is not a credit counseling service and does not promise to help you obtain a loan or improve your credit report, history, or rating. The terms of this section shall survive any termination, cancellation, or expiration of this agreement.
By agreeing to these Service Terms, you indemnify and hold IDIQ, its officers, directors, employees, contractors, agents, subsidiaries, joint ventures, licensees, marketing partners and other third-party affiliates harmless from any claim or demand including reasonable attorney fees made by any third-party due to our arising from your break of these Service Terms or your violation of any law or regulation or the rights of any third-party.
IDIQ controls and operates our Services and Websites from our headquarters in the United States of America. The Websites, Content and Services are not intended for sale and may not be appropriate or available for use outside of the United States or its territories. If you use the Website, Content or Services outside of the United States of America you represent and warrant; (a) you are responsible for following applicable local laws, (b) you are not located in a country that is subject to a U.S. Government embargo or has been designated a “terrorist supporting” country, (c) you are not listed on any United States Government list of prohibited or restricted persons, (d) that you are fully responsible for any local taxes or United States tariff taxes that may apply to you.
PLEASE READ THIS CAREFULLY, IT AFFECTS YOUR RIGHTS
IDIQ believes that any concern or disagreement you have can be resolved by calling our customer service department during regular business hours. If your concern is not addressed, then you understand and agree that all claims, disputes or controversies between you and IDIQ, including, but not limited to tort and contract claims, claims based upon any federal, state or local statute, law, order, ordinance or regulation, and the issue of arbitrability, shall be resolved by final and binding arbitration at a location determined by the arbitrator. Any controversy concerning whether a dispute is arbitrable shall be determined by the arbitrator and not by the court. Judgment upon any award rendered by the arbitrator may be entered by any state or federal court having jurisdiction thereof. This arbitration contract is made pursuant to a transaction in interstate commerce and its interpretation, application, enforcement and proceedings hereunder shall be governed by the federal arbitration act (“FAA”). Neither you nor IDIQ shall be entitled to join or consolidate claims in arbitration by or against other consumers or arbitrate any claim as a representative or member of a class action or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.
These Service Terms and Services provided hereunder will be governed by the laws of the State of Nevada, County of Clark without regard to any laws that would direct the choice of other states laws and where applicable, will be governed by the federal laws of the United States.
Electronic Signature & Acceptance of Agreement
You agree that the successful completion of your Enrollment for Services or the subsequent purchase of Services after your Enrollment through our Website or other authorized method constitutes your acceptance of these Services Terms electronically as if you had physically signed the Agreement.
Effective Date: 2009
Last Updated: August 18, 2020
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