After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. For debit and cash machine (ATM) cards: Your liability for unauthorized use of the card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the card loss. IMPORTANT NOTICE: YOUR LIABILITY FOR UNAUTHORIZED USE UNDER FEDERAL LAW: For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card. Coverage is subject to actual policy language. Availability of coverage is subject to underwriting qualifications and state laws and regulations. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in PrivacyGuard. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc., (collectively, the "Company") under group policy # 70777212. Upon enrollment in the PrivacyGuard service, you will automatically be admitted as a member of the Association. The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of PrivacyGuard, through Alliance Marketing Association (the "Association"). If the unthinkable happens, you'll be covered for many of the eligible expenses associated with resolving identity theft and restoring your good name. Monthly Triple-Bureau Credit Score TrackingĪs a member, you'll receive up to $1,000,000 in identity theft insurance if your identity should become compromised.Trilegiant Corporation, Trilegiant Insurance Services, Inc., Alliance Marketing Association and their credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit reports, credit scores, Credit Alert ® reports or other reports which you receive in connection with the PrivacyGuard service, including any liability for damages, direct or indirect, consequential or incidental. Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender. The version of VantageScore provided here is used by some, but not all, lenders. The VantageScore model, with scores ranging from 300 to 850, was developed jointly by the three major national credit reporting agencies - Experian ®, TransUnion ®, and Equifax ®. Your VantageScore credit score(s) are provided by VantageScore Solutions LLC. Reviewing your credit report is the best way to find inaccuracies that could harm your credit, as well as spot signs that your identity may be in jeopardy. You'll have access to all three credit reports and scores. Close Monthly Triple-Bureau Credit Reports & Scores
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