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| Business CreditSecure Enrollment |
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| Identity Theft Insurance(Not available to residents of New York State) |
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General Questions
1. Is the transaction safe?
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card and other sensitive information is protected. Preferred web browsers are: Netscape 6.05 or later, Microsoft Internet Explorer 5.0 or later, and AOL 8.0 or later. In addition, Business CreditSecure is partnered with VeriSign Inc. and rigorous security screening processes have been set up by ICSA (International Computer Security Association) and the credit bureaus.
2. What will happen to the information I enter?
The information that you provide is used to verify your identity and remains in the system until your enrollment is cancelled. Additionally, your credit reports are removed from the database after 30 days. (The credit bureaus will always keep your record, of course). Your credit information is not resold or provided to any third-party marketers. Please see the privacy policy once you enroll for full details about how we protect the information you submit to us.
3. How can Business CreditSecure save my business money?
By reviewing public records and other business information, companies save every year on the costs of acquiring new business and managing liability and potential fraud. Reviewing public records and other business information also establishes sound business relationships that can extend for years.
4. Where do I find my credit reports?
Your business credit report is available in the business credit center, and your consumer credit reports are available in the personal credit center.
5. What are credit alerts?
When any significant changes (such as Liens, Bankruptcies, Judgments, New Accounts) are detected on either your personal or business credit reports you will receive an e-mail alert. This will help you prevent damage to your credit in the event of fraudulent activity or identity theft.
6. How does Business CreditSecure ensure that its information is accurate?
Leading technologies are used to format, cleanse, and load data that is acquired directly from government sources and industry leading vendors.
7. What are my rights under the Fair Credit Reporting Act?
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of the information in the files of credit bureaus. Please click here for the summary of your major rights under the FCRA.
Business CreditSecure Enrollment
8. What is the 30 day review period?
As an American Express® Cardmember, you have the opportunity to review Business CreditSecure for 30 days. During this review period, you will have access to the benefits of Business CreditSecure -- except you will only have access to one version of your personal 3-bureau report and scores. After the 30-day review period, you will have unlimited access to your 3-bureau credit report and scores. Your American Express Card account will billed $22.99 after the review period, and your enrollment will continue each month until it is cancelled.
9. Why am I not eligible for another 30 day review period of Business CreditSecure?
The 30-day review period is a promotional offer available to first-time enrollees only.
10. Can I enroll my employees or other people in Business CreditSecure?
Since Business CreditSecure includes personal credit information about each enrollee, you cannot enroll someone else in the service. However, if your employees have a U.S.-based American Express Card account, they can enroll themselves and select your business to monitor.
11. Why do I need an e-mail address?
As part of your enrollment in Business CreditSecure, you will be notified of any significant changes that occur to your credit reports. An e-mail address is requested so that you can be notified of these changes. Your email address will not be re-sold or provided to any third party marketers.
12. How do I cancel my service?
If you are not satisfied with your Business CreditSecure enrollment, you may cancel your service by calling our customer care center 24 hours a day, 7 days a week at 1-866-617-1889.
13. Can I cancel my deluxe upgrade without canceling my basic service?
Yes, you may cancel your deluxe upgrade and still keep the basic service. To cancel your upgrade, just call our customer care center at 1-866-617-1889, 24 hours a day, 7 days a week.
14. What is your authentication process and what happens if I don't get authenticated instantly?
Generally, we can authenticate you online immediately after you place an order. If you order a product that is delivered instantly, and we are unable to verify your identity online, you have the option of going through further verification. This verification begins by delivering to you a private access code via U.S. mail within five to seven days. This access code provides you full access to your report online. For your protection, if we are still unable to verify your identity, you will be referred to Customer Care where you will be asked to submit forms of identification. If you submit the required information, you are agreeing to purchase the report. Once your information is received, your identity will be manually verified and you will receive an email confirming the outcome within three business days. If your information is verified, your login information also will be provided in this email. You can then login at the site to view your report.
15. Why can’t I view my credit reports online?
Although the credit reports are usually delivered to our customers within seconds, there may be some instances when the reports will not be displayed. These include:
- When your identity cannot be verified. For your security, your credit report will only be displayed when you pass our online identity verification process.
- When experiencing a technical issue. If you experience a technical issue please contact us at 1-866-617-1889.
- In some instances the credit bureaus may not have enough information to create a credit file for you.
Business Credit Reports
16. My company's business credit report contains incorrect information. What should I do?
If you believe your company's Business credit report contains inaccurate information you may initiate an investigation. To do this, you will need to contact Business CreditSecure customer care at which point the dispute process will begin. You will be requested to provide supporting documents for your dispute so please have the following information available.
Please provide all of the following:
- On your business credit report, circle the specific items in question and state the nature of your concern. Please provide supporting documentation when available.
- On current company letterhead, list all variations of company name including any 'Doing Business As' and any 'Formerly Known As' names which your company has operated for the past 10 years.
- List your company's current and previous addresses (including physical and PO Box addresses) for the past 10 years.
- Provide the signature and phone number of an officer of the company.
17. Who do I contact if I don’t understand something on my business credit report?
If you have questions about your business credit report, you may contact our customer care team 24 hours a day, 7 days a week at 1-866-617-1889.
18. Where does Business CreditSecure get its information?
American Express works closely with Experian® to provide the data in your Business CreditSecure report. This information is collected from thousands of businesses nationwide and is typically collected from the suppliers or lenders with which a company has an existing financial relationship. Information is also collected from various local, county, and state courts across the United States. Company background information is collected from a variety of independent firms. Any information collected about a business from that business itself, is not reported unless it has been verified.
19. How often does Business CreditSecure update its information?
Business CreditSecure provides access to Experian's business database in real-time. This information is collected from thousands of businesses nationwide and is typically collected from the suppliers or lenders with which a company has an existing financial relationship. This information is updated regularly so that your credit information will be current.
When Experian receives public record updates from the government or vendor sources, that information is generally formatting, cleansed, and uploaded within 48 to 72 hours. Bankruptcy reports are usually displayed online within 24 hours of the original filing.
20. Can I view the credit reports of another business?
Yes, you are able to view the credit information of three additional businesses by upgrading your service to Business CreditSecure Deluxe for an additional monthly fee of $19.99.
Personal Credit Reports
21. How do I dispute possible inaccuracies on my personal credit report?
If you have reviewed your personal credit report and believe the information is inaccurate, you may dispute it with the appropriate credit bureau. For disputes on your personal Experian credit report, Business CreditSecure provides an online dispute process for fastest resolution. To access the online dispute process, log into your Business CreditSecure account and click on “view your 3 Bureau Report and
Score.” Once you have accessed your latest report, you may begin the dispute process through the 'Dispute Information' button located at the top of the page. This will begin your online dispute process with the
bureaus.
22. Which personal credit reports do I receive?
Business CreditSecure provides you with unlimited access to your personal consumer credit reports from all three national credit bureaus: Experian, Equifax, and TransUnion.
23. Which personal credit reports are monitored?
Business CreditSecure monitors your consumer credit reports at all three national credit bureaus: Experian, Equifax, and TransUnion®. If there are any significant changes to these reports such as inquiries into your credit, new accounts, public record updates, or new derogatory information, you will be notified right away via e-mail.
24. Why do I receive three different personal credit reports?
To stay on top of your credit, it's a good idea to check your credit reports from all three credit bureaus: Experian, Equifax, and TransUnion. Here are some of the main reasons why it is important to monitor all three credit bureaus:
- Each credit bureau may collect different credit information about you, so reviewing all three credit reports ensures you have a complete understanding of your credit.
- Make sure your information is accurate when reviewed by lenders, landlords, or employers.
- Detect early signs of potential identity theft - take immediate action and stop fraud in its tracks.
25. How long will my online credit report be available?
Your personal credit report will be available online for 30 days. During the 30-day review period, you will have access to one version of your personal credit report. After the 30 day review period, you will have unlimited access to your personal credit reports. You will have unlimited access to your business credit reports at all times.
26. Can I view someone else's personal credit report?
No. Under federal law, any person who knowingly and willfully obtains information on a consumer from a credit bureau under false pretenses (for example, getting a credit report on an individual without his/her permission) shall be fined under Title 18 United States Code, or imprisoned for not more than two years, or both.
27. Will my spouse's name and information appear on my credit report?
The credit bureaus maintain credit files on individual U.S. residents only. They do not maintain joint files for spouses. Only accounts that are in both names, or those for which you are an authorized user, will show up on your report. Therefore, your credit report is separate and different from your spouse's.
28. Will ordering my personal credit report through Business CreditSecure result in an official inquiry on my credit report?
Anytime your credit report is pulled - including when you order a copy of your credit report directly from one of the credit bureaus - an inquiry is added to your report. However, only some of those inquiries are seen by creditors and will impact your credit score. For example, inquiries made for credit cards or loans for which you applied will be shown to creditors and may impact your credit score. Inquiries added when you request a copy of your credit report or when an employer checks your credit report do not appear to creditors and will not impact your credit score. We are pulling your credit report on your behalf, so the inquiry on your credit report will not be shown to creditors and will not affect your credit score.
29. Isn't everyone entitled to one free consumer credit report annually?
Yes. The Fair and Accurate Credit Transactions Act (FACT Act) allows consumers to get one free comprehensive disclosure of all information in their credit file from each of the three national credit reporting companies once per year through the Central Source at www.annualcreditreport.com.
In addition, consumers also have the right to a free credit file disclosure directly from the credit reporting companies if (paraphrased) they:
- Are the recipient of an adverse action (for example, denial of credit) due to information contained in their credit file;
- Are unemployed;
- Are a recipient of public welfare assistance;
- Have inaccuracies in their credit file due to fraud.
For more information, please see the Fair Credit Reporting Act.
30. Why did I get an alert for only one or two of my credit reports instead of all three?
Each credit bureau collects information independently, so in some cases, the bureaus may not receive changes to your report at the same time. This may affect the timing of your alerts. Also, for new enrollees, the processing of your initial alert enrollment may vary among the bureaus.
Score Tracker
31. How often is my score tracked?
Your Experian PLUS Credit ScoreSM is automatically plotted on the Score Tracker once every month during your active
enrollment.
32. Why doesn't the score number on the graph match the score number on my report?
Your Experian PLUS Credit Score is a dynamic number based on the contents of your Experian Credit Report the moment it is requested. As creditors report new information and your existing information ages, your credit report constantly changes, often impacting your credit score. The Score Tracker displays the credit score that was calculated based on the information in your credit report on a particular date each month. If the credit report you are looking at was requested on a different date, your score could vary.
33. Why does my score show as "zero"/"0" under my Credit Profile?
Your Experian PLUS Credit Score is generated based on the information from your Experian Credit Report at the time it is requested. These factors may affect your credit score - your score may go up, down, or remain constant depending on each factor as well as the unique combination of factors. For additional information on the factors affecting your score, please review your score analysis.
A few of the top common factors that can influence
a credit score include, but are not limited to:
- Payment history: number, severity of late payments, and status of accounts
- Credit history: type, number, usage, and age of accounts
- Outstanding debt: how much owed on all your
accounts, and how close to each credit limit
- Inquiries: number of inquiries and how recently the inquiries were made to pursue new credit
34. Where does the Score Tracker get its information?
Your Experian PLUS Credit Score on the Score Tracker is always based off data from your Experian Credit Report.
35. If I don't pull a report each month, will a new score appear on the Score Tracker anyway?
Yes, even if you don't pull your own report each month, Score Tracker will continue to automatically update and track your personal score each month during your
enrollment.
However, the score under the PLUS Credit Score and Risk level sections of your Credit Profile is only posted after you request a new credit report and score. This score is archived for a period of 90 days. If you do not request a new credit report and score within 90 days, you will not see a score displayed under the PLUS Score and Risk level. You can refresh this section by simply requesting a new report and score.
Card Registration
36. What is Card Registration?
As a Business CreditSecure enrollee, you have the option to protect yourself by registering your valuable documents with Business CreditSecure. If you are ever the victim of identity theft or if your wallet is lost or stolen, you will have access to all your missing information. In addition, our customer care team will assist you in recovering and replacing all your missing documents.
37. Is my information secure?
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card and other sensitive information is protected. Preferred web browsers are: Netscape 6.05 or later, Microsoft Internet Explorer 5.0 or later, and AOL 8.0 or later.
38. What happens if I lose my wallet/purse?
In the event your information is lost or stolen, simply call our customer care number at 1-866-617-1889, and the Business CreditSecure customer care team will assist you in canceling your credit cards and replacing your lost documents. In addition, a fraud alert may be placed on your credit reports and you can be assisted in contacting the authorities if necessary.
Identity Theft Insurance(Not available to residents of New York State)
39. What is covered under the identity theft insurance?
Identity Theft Insurance includes Lost Wages, Legal Costs, and Costs You incur for re-filing loan applications for loans, grants, other credit or debit instruments that are rejected solely as a result of the lender receiving incorrect information as the result of Identity Theft. Identity Theft Insurance is not available to residents of New York State.
Terms and Conditions
40. What are the terms and conditions?
This is an Agreement between you and American Express Travel Related Services Company, Inc. ("American Express") regarding the Business CreditSecure® Monitoring Product ("Product"), including, without limitation, your access to and use of the products and information made available to you as part of the Product, including without limitation: (a) credit reports, credit scores and other related information (collectively, "Credit Monitoring"); and (b) calculators, credit resources, text, pictures, graphics, logos, button items, images, works of authorship and other information and all revisions, modifications, and enhancements thereto (collectively the "Content"). You agree that you have reviewed the information in your enrollment materials and that you understand that your American Express® Card or Optima® Card account will be automatically charged at the current monthly or annual price. To ensure continuous enrollment, your Product enrollment will be renewed annually or monthly at the then current rate until you tell American Express to cancel it.
Each time you access or use the Product, you signify your acceptance and agreement, without limitation or qualification, to be bound by these terms and conditions. If you do not agree with each provision of these terms and conditions, you may not access or use the Product.
THIRD PARTY PROVIDERS. The Content may contain information provided by one or more credit reporting companies. In order to make available the Product, American Express works with third party service providers, including, without limitation, ConsumerInfo.com, Inc., an Experian company. American Express reserves the right to change any service provider at any time. If we change from ConsumerInfo.com Inc. to a different third party service provider we will notify you in writing, 30-days in advance. ConsumerInfo.com Inc., or any third party service provider designated by American Express in replacement thereof, is referred to herein as "Provider."
These terms and conditions also inure to the benefit of American Express' affiliates, service providers (including Provider) and suppliers.
The Content may contain a credit score explanation provided by one or more third-party providers, as identified in your materials. AMERICAN EXPRESS AND PROVIDER DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY CREDIT REPORTING COMPANY.
YOUR USE. You may use the Product enrollment only for non-commercial purposes except as otherwise provided below in the 'Business Features' section
ONGOING ENROLLMENT. If you have ordered an ongoing enrollment on a monthly or annual basis, you authorize American Express to bill your American Express Card each month or year at the then current rate, unless you tell American Express or Provider to cancel. You may cancel at any time by calling 1-866-617-1889, or by writing to Provider at ConsumerInfo.com, Inc., PO Box 9601,Van Buren, AR 72956. Monthly enrollments are not eligible for a refund upon cancellation. Product usage will be available through the end of the month and you will not be billed for future months.
NO REPRESENTATIONS OR WARRANTIES. THE PRODUCT ENROLLMENT IS PROVIDED ON AN "AS IS" BASIS ONLY. PROVIDER AND AMERICAN EXPRESS DO NOT MAKE, AND EXPRESSLY DISCLAIM, 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, OR THAT THE PRODUCT ENROLLMENT IS ERROR FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY USE YOU MAKE OF THE PRODUCT ENROLLMENT OR ACTION OR DECISION YOU MAKE BASED ON IT.
LIMITATION OF LIABILITIES. IN NO EVENT MAY PROVIDER OR AMERICAN EXPRESS BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE PRODUCT ENROLLMENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. PROVIDER'S AND AMERICAN EXPRESS' TOTAL LIABILITY ARISING FROM OR RELATED TO THE PRODUCT ENROLLMENT MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE PRODUCT ENROLLMENT.
CHANGES. American Express in its sole discretion may modify or cancel the Product enrollment, or change the fees at any time with a 30-day advance notification. If you do not agree with the modification in terms and conditions, you may call to cancel your enrollment in the Product.
USE OF THE PRODUCTS
In consideration of your use of the Content and Products, you agree to provide true, accurate and current information about yourself as prompted by the registration and application forms for the Products. By registering for the Products, you certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if American Express or Provider has reasonable grounds to suspect that such information is untrue, inaccurate or not current, either American Express or Provider, at its discretion, has the right to suspend or terminate your use of any Product and refuse all current or future use of the Content and Products or suspend or terminate any portion thereof. Further, you agree that American Express or Provider will not be liable to you or any third party if American Express or Provider suspends or terminates your use of the Product for any reason.
You understand that by submitting your order you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for American Express and /or Provider to obtain information from your personal credit profile from Experian or any other credit reporting company. You authorize American Express and fulfillment Provider to use your social security number to access your personal credit profile to verify your identity and to provide credit monitoring, reporting and scoring products.
GENERAL. These terms and conditions are governed by the laws of the Commonwealth of New York, USA, exclusive of its choice of law principles. Any claim arising out of or relating to the Product enrollment shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis not consolidated with any other claim. Any party, however, may seek interim injunctive relief in a court of competent jurisdiction. Neither you nor we shall be entitled to join or consolidate claims in arbitration by or against other consumers or arbitrate any claim as a representative or enrollee of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.
TRADEMARK AND COPYRIGHT. Business CreditSecure is a federally registered trademark of American Express. Experian is a federally registered trademark of Experian. ConsumerInfo.com, Inc. is licensed to use the Experian trademark. The following are trademarks of a third party: Equifax is a registered trademark of Equifax, Inc.; TransUnion is a registered trademark of TransUnion, Inc.
FCRA DISCLOSURES
The FCRA allows you to obtain all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that you are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:
You have been denied credit, insurance or employment in the past 60 days as a result of your report
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
You are a recipient of public welfare assistance
You have reason to believe that your file at the credit reporting company contains inaccurate information due to fraud
The FCRA also permits you to dispute inaccurate information in your credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information from American Express and Provider to dispute inaccurate or incomplete information in your credit file or to receive a copy of your consumer credit report.
The credit report you are requesting from American Express and Provider is not intended to constitute the disclosure of Experian information required by the FCRA or similar state laws. Experian's National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by ConsumerInfo.com, Inc. This disclosure report must be obtained directly from Experian by going to www.experian.com/dispute.
Beginning December 1, 2004, the FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a central source. Georgia residents can receive two disclosures per year. To request your free annual report under the FCRA, you must go towww.annualcreditreport.com. The Product is not related to the free FCRA disclosure that you are or may be entitled to.
Special note regarding the Free Experian Credit Report: Although comprehensive, the credit reports from each of the three national credit reporting companies that are available from Provider may not have the same information as a credit report obtained directly from the three national credit reporting companies or through the central source. In addition, the Free Experian Credit Report offered to consumers is not related to the free annual FCRA disclosure that you are entitled to.
MODIFICATION OF PRODUCTS
American Express or Provider may, at its discretion, modify or discontinue any of the Products or Content or a portion thereof, with a 30-days advanced notification. You agree that American Express and Provider will not be liable to you or any third party for any modification or discontinuance of any of the Products or Content.
NOTICE OF PROSECUTION
Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution.
PRODUCT-SPECIFIC TERMS AND CONDITIONS
Registering for the Product: To enroll in the Product, you must complete a registration form, which includes an address within the United States, and you agree to be bound by these Terms of Use. We will then evaluate your complete registration information. We are not able to accept and process joint registration for a married couple.
Credit Monitoring
You understand and agree that the Product is a credit monitoring product. Provider gives you a copy of your credit report and helps you understand the information contained in your credit report. Provider is not a credit repair organization. Provider cannot improve your credit report, credit history or credit score. Provider does not provide you with advice or assistance in improving your credit report, credit history or credit score. Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate information is provided without charge to you and is available for free. Any such information is not included as part of the Product but is provided free of charge to all consumers, regardless of whether they are enrollees of the credit monitoring product.
Please note, there are different processing times across the credit reporting companies, therefore you may not be enrolled in all of them at the same time. It may take 7-10 days for you to be enrolled in the credit monitoring programs across the credit reporting companies. Provider does not control and is not responsible for the enrollment process. Your enrollment in credit monitoring is dependent on the credit bureau being able to enroll you in credit monitoring. If you are not able to be enrolled in credit monitoring, you will not receive alerts of changes to your credit report. If you are successfully enrolled in credit monitoring, alerts will be delivered to the email address that is given to Provider when you enroll in credit monitoring. It is your responsibility to update your email address if it should change.
Disclaimers: You acknowledge that the information provided to you through the PLUS Score product, including the score factors derived from the elements in your credit history, may change over time as your credit history changes. You also acknowledge that the score factor information on how to manage your credit position assumes there will be no adverse changes in your credit performance. American Express and Provider are not responsible for the accuracy or contents of your credit file, including but not limited to information delivered in the credit report and/or score products.
Fraud Resolution
Obtaining Assistance: There are certain steps that you MUST FOLLOW in order to obtain assistance from a fraud resolution representative ("Assistance"). These steps include contacting a Customer Care Representative by calling 1-866-617-1889.
If you are a victim of identity theft, which is hereby defined as the act of knowingly transferring or using, without lawful authority, a means of identification with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of federal law or a felony under applicable state or local law ("Identity Theft"), and you incur problems or suffer damages, you should call us at 1-866-617-1889 and make a request for Assistance. Upon acceptance of your request, a Provider fraud resolution representative will contact you.
DISCLAIMERS: AMERICAN EXPRESS AND PROVIDER ARE NOT OBLIGATED, NOR DO THEY PROMISE OR GUARANTEE THAT THEY WILL PROTECT YOU AND/OR YOUR INFORMATION FROM IDENTITY THEFT. THE PRODUCT IS DESIGNED TO HELP YOU PROTECT YOURSELF FROM IDENTITY THEFT VULNERABILITIES. THE PRODUCT IS PROVIDED IN ADDITION TO ANY PRECAUTIONS YOU SHOULD REASONABLY BE EXPECTED TO TAKE, INCLUDING PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. THE PRODUCT'S FRAUD RESOLUTION SERVICES DO NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE. PROVIDER AND AMERICAN EXPRESS DO NOT GUARANTEE THE ACCURACY OF LIEN, JUDGMENT, INVESTMENT, OR CRIMINAL SEARCHES EITHER OF THEM MAY PERFORM ON YOUR BEHALF.
Neither American Express nor Provider is obligated or responsible for providing Assistance for any request based on (a) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, or by any authorized representative of you, whether acting alone or in collusion with you or others, (b) authorized charges that you have disputed based on the quality of goods or services, (c) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions, (d) losses, damages or expenses arising out of any business pursuits, (e) losses, damages or expenses that were incurred or commenced prior to the enrollment, or (f) theft or damage of traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants or consumable items, motorized vehicles of any type, watercraft, aircraft, and items intended for storage, transport, display or habitation.
Reservation of Rights: American Express and Provider, including their respective agents, independent contractors, assigns or other expressly authorized third party, reserve the right to make an independent investigation of the facts and circumstances related to any Assistance request, including making contact by telephone, email, US Postal Service or otherwise, any service provider or related party it deems necessary, at its sole and absolute discretion and expense, regardless of whether you provide express authorization to make such contact for purposes of verifying and assisting you with your Assistance request. American Express and Provider reserve the right to request that you provide corroborating evidence of the unauthorized transaction, Identity Theft or other facts related to your Assistance request, including a signed affidavit, law enforcement or governmental agency reports, receipts of expenses, insurance declaration forms, or any other corroborating evidence that we may deem necessary and reasonable. Further, American Express and Provider reserve the right to refuse any Assistance request or provide any Assistance in the event you fail or refuse to provide us with any requested corroborating evidence related to the Identity Theft. American Express and Provider reserve the right not to provide you with any Assistance or discontinue your enrollment in the event American Express and Provider determine that you knew, or should reasonably have known, of an act of Identity Theft that commenced prior to the enrollment.
Card Registration
In the event of the loss or theft of your charge or credit cards, or other cards and documents that you have registered as part of your enrollment in the Product. You hereby authorize American Express and Provider to act as my agent to notify all of the charge and credit card issuers and other entities that you have specified in the course of your enrollment in the Product.
Personal Identity Theft Insurance (Not available to residents of New York State)
Identity Theft Insurance is provided by Virginia Surety Company, Inc. For additional information about the policy, please refer to Virginia Surety's Evidence of Coverage located in the "Personal Credit Center" area of the Business CreditSecure website.
Identity theft insurance is governed by additional terms and conditions stated in Virginia Surety's Evidence of Coverage provided to you with these materials. These Terms of Use together with the Evidence of Coverage state the exclusive terms, conditions, representations and warranties governing the Product enrollment.
Virginia Surety Company, Inc. 1000 Milwaukee Ave., Glenview, Illinois 60025
(hereinafter referred to as Company, We, Us or Our)
Insuring Agreement
We will reimburse You up to the benefit limit described herein for eligible Expenses related directly to Losses You have incurred as a result of ID Theft, subject to the following terms and conditions. The ID Theft must occur while Your American Express Business CreditSecure Enrollment is in full force and effect.
Benefit Limits
Up to a maximum amount of $5,000 per twelve (12) month period, but limited to $5,000 per occurrence for Expenses incurred as the result of ID Theft.
The Lost Wages benefit is further limited to an amount equal to Five Hundred Dollars ($500.00) per week, payable for up to four (4) weeks.
Coverage Period
The ID Theft Coverage runs concurrent with the term of Your American Express Business CreditSecure Enrollment commencing on Your Business CreditSecure Enrollment's effective date and terminating on Your American Express Business CreditSecure Enrollment's cancellation date.
Definitions
"We", "Us", "Our" or "Company" means Virginia Surety Company, Inc.
"You" or "Your" refers to the individual Enrollee named in the Enrollment package.
"Enrollee" or "Enrollment" means the individual enrolled in the American Express Business CreditSecure program ("Enrollment") under which this coverage is provided.
"ID Theft" means the act of knowingly transferring or using, without lawful authority, a means of identification with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal Law or a felony under applicable state or local law.
"Administrator" refers to Aon Innovative Solutions.
"Loss" means the Expenses, Lost Wages and Legal Costs related to Your Identity Fraud Loss
"Outside Vendor" refers to any company or credit bureau that provides credit reports to consumers
- "Expense(s)" means:
- Costs You incur for re-filing loan applications for loans, grants, other credit or debit instruments that are rejected solely as a result of the lender receiving incorrect information as the result of ID Theft;
- Costs You incur for notarizing affidavits, or other similar documents, long distance telephone calls, and postage which is incurred by You in Your efforts to report an ID Theft, or amend or rectify records in regard to Your true name or identity as the result of an ID Theft;
- Costs You incur to purchase directly a maximum of four (4) credit reports from any of the three major Credit Bureaus (Experian, Equifax, TransUnion). The credit reports must be purchased while Your Enrollment, and this Coverage, is in full force and effect; and may be purchased only after the ID Theft and for the purpose of correcting inaccuracies that occur as a result of the ID Theft;
- Costs You incur as a result of purchasing a maximum of four (4) credit reports from outside vendors apart from those received as part of your Business CreditSecure enrollment as a result of Identity Theft.
- "Lost Wages" means:
- Actual personal wages lost, whether partial or whole days, for time taken from Your work, and away from Your work premises, solely as a result of Your efforts to amend or rectify records regarding Your true name or identity as the result of an ID Theft;
- Actual personal wages lost, including reimbursement for vacation days, discretionary days, floating holidays, and paid personal days, but not for sick days. Also, any reasonable cost arising from time taken from self-employment;
- All Lost Wages must occur while Your Enrollments in full force and effect. We will reimburse Your daily wages up to one hundred dollars ($100.00) per business day, for a maximum of four (4) weeks.
- "Legal Costs" mean:
- Costs You incur for reasonable & customary fees for an attorney that We appoint, and related court costs You incur with Our consent, for any suit brought against You by a creditor or collection agency or other entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as the result of ID Theft;
- Removal of any civil judgment wrongfully entered against You as a result of ID Theft.
Exclusions
The ID Theft Expense Coverage does not apply to:
An act of fraud, deceit, collusion, dishonesty or criminal act by You or any person acting in concert with You, or by any authorized representative of You, whether acting alone or in collusion with You or others;
Authorized charges that You have disputed based on the quality of goods or services;
Authorized account transactions or trades that You have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions;
Losses, damages or expenses arising out of any business pursuits;
Losses, damages or expenses that were incurred or commenced prior to the effective date of Your Enrollment;
Theft or damages of traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants, or consumable items, motorized vehicles of any type, watercraft, aircraft, and items intended for storage, transport, display or habitation;
Any diagnostic charges that do not result in a claim under the ID Theft Expense Coverage;
Any on-site, at Your residence or place of business, claim service.
How to File a Claim
To file a Expense Reimbursement claim, You MUST call the Administrator at 1-888-398-4776 or send a written request that contains Your name, Business CreditSecure Enrollment number (which can be obtained by Business CreditSecure Customer Care at 1-866-617-1889), and any other requested information. Submit Your written request to Aon Innovative Services, 13922 Denver West Parkway, Golden, CO 80404. If You call for Your Expense Reimbursement claim, the Administrator may request that You forward an originally signed, hard copy of the Request along with additional requested documentation.
Submit claim forms or letters to Aon Innovative Solutions, 13922 Denver West Parkway, Golden, CO 80404.
A claim must be filed with Us within sixty (60) days after the discovery of ID Theft Loss. If the Loss involves a violation of law, You shall also notify local law enforcement agencies. You shall keep books, receipts, bills and other records in such manner that We can accurately determine there from the amount of any Loss.
Benefits payable under this Evidence of Coverage for any Loss will be paid upon receipt of acceptable proof of such Loss and all required information necessary to support Your claim. All benefits will be paid to You directly or, in case of Your death, to Your estate.
Other Insurance
If You have any other valid and collectible insurance, which would apply in the absence of the benefits provided under this Evidence of Coverage, then this Evidence of Insurance shall apply only as excess coverage over such other insurance.
Subrogation
In the event of any payment under this Evidence of Coverage, We shall be subrogated to all Your rights of recover therefore against any person or organization, and You shall execute and deliver instruments and papers and shall take whatever other actions that are necessary to secure such rights for Us. You shall not take any action after the discovery of any Loss that would prejudice such rights.
Concealment or Misrepresentation
Your coverage shall be void if, whether before or after a Loss, You have concealed or misrepresented any material fact or circumstances concerning this coverage or the subject thereof, or if You commit fraud or swear falsely in connection with any of the foregoing.
General Provisions
Your Coverage shall be void if, whether before or after a Loss, You have concealed or misrepresented any material fact or circumstances concerning this Coverage or the subject thereof, or if You commit fraud or swear falsely in connection with any of the foregoing. Benefits payable under the Policy for any Loss will be paid upon receipt of proof of such Loss and all required information necessary to support Your claim. All Benefits will be paid to You directly, or in case of Your death, to Your estate.
No action at law or in equity shall be brought to recover under the Evidence of Coverage prior to expiration of 60 days after proof of Loss has been submitted in accordance with the requirements of the Evidence of Coverage.
Business Monitoring Features
The Business CreditSecure Monitoring Product contains Business CreditSecure Monitoring and Business Reports (collectively "Business Features"). In consideration for your right to receive and use the Business Features through this website, you agree the Business Features:
will be used solely for commercial purposes in connection with a present or prospective credit or financial transaction with the business entity enquired upon or for other legitimate commercial purposes, for internal use only and will not be resold;
will not be used as a factor in establishing an individual's eligibility for credit or insurance to be used primarily for personal, family or household purposes, or employment purposes;
will be used in compliance with all applicable laws, regulations and ordinances, and all special use restrictions set forth in these terms and conditions as revised and amended from time to time;
will be maintained in confidence and disclosed only to persons whose duties reasonably relate to the business purposes for which the information was requested; and
Customer acknowledges that the Business Features it receives under these terms and conditions include non-public information about businesses and, as such, customer agrees that it will maintain the Business Features information in strict confidence and will not disclose such information other than to its employees who have a need to know, or pursuant to legal requirements.
By purchasing the Product, you will begin to immediately track the credit status of the company(s) you selected. You can expand a plan beyond its original company count to a maximum of three companies, for an additional fee, available online only. During the timeframe of your enrollment, you cannot change the company(s) you added to your Product enrollment.
For online customers: Should the company(s) you have selected to be monitored receive specific changes within the credit file(s), alert notifications will be sent to you by email. You do have the option to not receive the alert emails, by selecting the email options within the company's alert information on the web site.
If you have questions regarding your company's report or would like to dispute information, you may request an investigation by contacting a customer service representative at 1-866-617-1889.
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