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Effective Date: December, 2019
\n\nThese Terms of Use (“Terms”) set forth legally binding terms that govern and restrict your use of the services offered\nthrough the Aura Identity Guard (“Identity Guard”) website, with or without a subscription (the “Services”). YOUR USE\nOF AND/OR REGISTRATION FOR THE SERVICES CONSTITUTES YOUR AGREEMENT TO THE FOLLOWING TERMS OF USE. IF YOU DO NOT AGREE,\nDO NOT USE OR REGISTER FOR ANY OF THE SERVICES.
\n\nPlease note the arbitration provision set forth below, which may require you to arbitrate any claims you may have on\nan individual basis against Intersections Inc. doing business as Aura (hereinafter referred to as “Aura”). EXCEPT\nWHERE AND TO THE EXTENT PROHIBITED BY LAW, WHICH MAY INCLUDE THE PROVINCE OF QUEBEC, ARBITRATION ON AN INDIVIDUAL BASIS\nMEANS THAT YOU WILL NOT HAVE, AND YOU HEREBY WAIVE, THE RIGHT FOR A JUDGE OR JURY TO DECIDE YOUR CLAIMS, AND THAT YOU\nMAY NOT ASSERT SUCH CLAIMS IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE CAPACITY.
\n\nAs used in these Terms, the following words shall have the following meanings. “Aura” includes “Intersections,” “Aura”;\nAura Company”; “we”; “us”; and/or variations such as “our.” “Services” includes the products, services and software\nthat you order, receive or access through the Site or otherwise through the Services.
\n\nYou may not use the Services unless you are above the age of majority. Any information you provide to us must be true,\naccurate, current, and complete. You shall not use the Services for any illegal purpose and you shall abide by all\napplicable local, state, provincial, territorial, national, and international laws and regulations. The Services are\nmade available for your personal use only, and not for commercial purposes. You may not use the Services to obtain\ninformation about or make decisions about anyone but yourself. You are solely responsible for any reliance on, or any\nother use you make of, the Services. We do not provide the Services, or any advice or assistance, for the purpose of\nimproving your credit report, credit history or credit rating. Please note that use of some Services may require your\nagreement to additional terms, and you may be required to provide information to third-party service providers. Aura is\nnot responsible for your agreement to or reliance upon any such terms.
\n\nIn addition, we will attempt to provide you with features of the Services that are available to you or that you elect\nto activate. If, for any reason, we are unable to activate a feature of the Services we will notify you via the\nServices and/or by email at the email address associated with your account, except where our inability to activate a\nfeature of the Services was based on an action you elected not to take or made in error. Further, prior to the delivery\nof information relevant to certain alerts, we will require you to authenticate certain aspects of your identity and\ncredit information. Absent your request to terminate, your inability to access any feature of the Services or the\ninability to authenticate your identity or credit information may not result in termination of the Services or\nsuspension of billing unless otherwise terminated by Aura in our sole discretion.
\n\nIf you choose to activate our financial transaction monitoring Services (“Transaction Monitoring”), you must provide us\n(without limitation) the applicable account credentials for each credit, commerce, banking, investment, and other\neligible account(s) (“Transaction Account Credentials”). By activating the Transaction Monitoring and providing us\nwith your Transaction Account Credentials, you hereby grant Aura the express authorization to access your account(s) as\nyour agent in fact and further grant to Aura a non-exclusive, fully-paid, perpetual, royalty-free, license to use,\nreproduce, distribute, and/or transfer any data or account information obtained for the sole purpose of monitoring your\ntransactions within the corresponding accounts. Notwithstanding the foregoing, Aura may prepare, develop, and retain\naggregated and/or anonymized data from your account for its own internal use. Should you change your account\ninformation (including your Transaction Account Credentials with any of your third-party providers) you must also\nupdate that account information in our system in order for Aura to continue to provide Transaction Monitoring to that\nrespective account. You hereby acknowledge and understand that any of our network(s), products, and/or services are\nlimited the account information provided by you and the third party providers, and we may in certain limited\ncircumstances experience delays and/or failures to process or identify fraudulent transactions for any number of\nreasons. You hereby acknowledge and agree to monitor your accounts and transactions and further expressly recognize\nthat you should not solely rely on alerts from Aura for accuracy or delivery in all cases.
\n\nOne aspect of the Services in particular is the Identity Guard Safe Browsing extension (the “Software”), which provides\na more secure method of browsing the Internet, works with supported browsers to provide you with certain information\nabout the web sites you visit and links your browsing activity to your Site profile. In addition to the other\nprovisions in these Terms of Use, the following provisions apply specifically to the Software: Conditioned on your\ncontinued compliance with these Terms of Use and your subscription to the Software, these Terms of Use provide you with\na revocable, limited, non-exclusive, nontransferable license to use the Software for personal use only and only for the\nduration of the Service Period. The “Service Period” shall begin on the date of your initial activation of the\nSoftware, and shall last until the expiration or earlier termination of this License. The Software is “in use” on a\ncomputer, mobile device, or tablet when it is loaded into the temporary memory (i.e., RAM) or installed into the\npermanent memory (e.g., hard disk, CD-ROM, or other storage device) of that computer, mobile device, or tablet.
\n\nAny rights granted hereby may not be sublicensed, leased, sold, transferred or assigned by you to any third party. You\nmay not make any copy of, or allow access to, the Software other than as expressly permitted in these Terms of Use and\nas indicated at download. You may use the Software on a network only if you have a valid license for each copy on each\ncomputer on the network. You may not make any copies of that Software or allow anyone or any other device or\ninstrumentality to access or use that Software. You may not use a previous version or copy of the Software after you\nhave received an upgraded version as a replacement of the prior version. Upon upgrading the Software, all copies of the\nprior version must be destroyed.
\n\nNOTE: THIS LICENSE TO THE SOFTWARE SHALL TERMINATE UPON THE EARLIER OF: (i) YOUR FAILURE TO COMPLY WITH ANY TERM OF\nTHIS LICENSE; (ii) THE RETURN, DESTRUCTION, OR DELETION OF ALL COPIES OF THE SOFTWARE IN YOUR POSSESSION; OR (iii) THE\nDATE UPON WHICH AURA POSTS, ANNOUNCES OR PROVIDES ANY OTHER NOTICE THAT IT HAS DECIDED, IN ITS SOLE DISCRETION, TO\nDISCONTINUE OFFERING THE SOFTWARE. Aura's rights and your obligations shall survive the expiration or earlier\ntermination of this license. Upon expiration or termination, you shall destroy or return to Aura all copies of the\nSoftware, or any portion thereof and you will no longer have authorization to use the Software. When this license is\nterminated and/or the subscription is cancelled, you may no longer have access to data and other material you have\nstored in connection with the Software.
\n\nYou authorize us to charge your credit card or other designated account. If you contract to use the Services, your\nmembership will be automatically renewed and you will be billed the same amount (plus applicable tax) at the end of the\ninitial term (and each subsequent term, as applicable), until your membership is cancelled by you or terminated by\nAura. You may cancel your subscription to any or all Services without fee or penalty at any time by calling\n855-443-7748. In the event you enroll in a free trial of the Service, such free trial shall be available only if you\nare a first-time customer of the Service. Only one (1) free trial may be redeemed per person in a twelve (12) month\nperiod. Aura hereby reserves the right to refuse registration in our Services for any reason.
\n\nAt any time without liability to you, we may prospectively modify these Terms of Use, or the fees for any Services, or\nmodify or cancel any Services. From time to time we may add or discontinue material features to or from the Services.\nAny changes will be effective upon posting the revised version of these Terms of Use (or such later effective date as\nmay be indicated therein). If in our sole discretion we deem a revision to these Terms of Use to be material, we will\nnotify you via the Services and/or by email to the email address associated with your account. Notice of other changes\nmay be provided via the Site. Therefore, we encourage you to check the date of these Terms of Use whenever you visit\nthe Site to see if these Terms have been updated. Your continued access or use of any portion of the Service\nconstitutes your acceptance of such changes. If you don't agree to any of the changes, we're not obligated to continue\nproviding the Service, and you must cancel and stop using the Service.
\n\nWe reserve the right to terminate your account with or without cause at any time and for any reason or for no reason.\nYou agree that any termination of your access to any Services may be effected without prior notice. You may terminate\nyour account at any time by calling 855-443-7748. Once your account has expired or been terminated for any reason, you\nwill have no further right or access to use the deactivated Services, and you immediately shall cease using and destroy\nall copies of any Software. You may not reverse engineer, decompile, or disassemble the Software, except to the extent\nthe foregoing restriction is expressly prohibited by applicable law. You may not remove or destroy any copyright\nnotices or other proprietary markings. You may not modify or adapt the Software, merge the Software into another\nprogram or create derivative works based on the Software. You may not use, copy, rent, lease, lend, sell or distribute\nthe Software without Licensor's authorization, except that you may make one (1) copy of the Software for archival or\nback-up purposes only.
\n\nPlease note that your use of the Software is only one part of a conscientious and comprehensive system to decrease the\nrisk of misappropriation of your information by third parties. Aura and our suppliers, licensors, distributors, agents,\nand representatives make no guarantee that your information, including without limitation the information you store in\nthe Software, will not be stolen or accessed by third parties.
\n\nTHE SERVICES ARE ELECTRONIC, INTERNET-BASED SERVICES. YOU UNDERSTAND AND AGREE THAT THIS AGREEMENT WILL BE ENTERED INTO\nELECTRONICALLY, AND THAT THE FOLLOWING CATEGORIES OF INFORMATION (“COMMUNICATIONS”) MAY BE PROVIDED BY ELECTRONIC MEANS\nAND THAT SUCH COMMUNICATIONS PROVIDED ELECTRONICALLY SATISFY ANY LEGAL REQUIREMENT THAT SUCH COMMUNICATIONS BE IN\nWRITING: THIS AGREEMENT AND ANY AMENDMENTS, MODIFICATIONS OR SUPPLEMENTS TO IT; ANY INITIAL, PERIODIC OR OTHER\nDISCLOSURES OR NOTICES PROVIDED IN CONNECTION WITH THE SERVICE, INCLUDING WITHOUT LIMITATION OUR PRIVACY POLICY, THE\nREGULATORY DISCLOSURES SET FORTH BELOW, ANY OTHER COMMUNICATIONS REQUIRED BY FEDERAL OR STATE LAW AND ANY OTHER\nCOMMUNICATION RELATED TO THE SERVICES. COMMUNICATIONS MAY BE POSTED ON THE PAGES OF THE SERVICE WEB SITE(S) AND/OR\nDELIVERED TO THE EMAIL OR POSTAL MAIL ADDRESS YOU PROVIDE. YOU SHOULD PRINT A PAPER COPY OF THIS AGREEMENT AND ANY\nELECTRONIC COMMUNICATION THAT IS IMPORTANT TO YOU AND RETAIN THE COPY FOR YOUR RECORDS. IN ORDER TO ACCESS AND RETAIN\nCOMMUNICATIONS, YOU MUST HAVE: AN INTERNET BROWSER THAT SUPPORTS 128-BIT ENCRYPTION; AN EMAIL ACCOUNT AND EMAIL\nSOFTWARE CAPABLE OF READING AND RESPONDING TO YOUR EMAIL; A PERSONAL COMPUTER, OPERATING SYSTEM AND TELECOMMUNICATIONS\nCONNECTION TO THE INTERNET, OR IN THE CASE OF OUR MOBILE SERVICE, A WIRELESS DEVICE, SOFTWARE AND CONNECTION TO THE\nINTERNET CAPABLE OF SUPPORTING THE FOREGOING; AND SUFFICIENT ELECTRONIC STORAGE CAPACITY ON YOUR COMPUTER'S HARD DRIVE\nOR OTHER DATA STORAGE UNIT OR A PRINTER THAT IS CAPABLE OF PRINTING FROM YOUR BROWSER AND EMAIL SOFTWARE.
\n\nThe Services are only available for purchase by residents of the United States of America (the “U.S.”) and Canada. You\nunderstand and acknowledge that you may not sign up for the Services or download the Software from countries outside of\nthe U.S or Canada. You agree to abide by U.S., Canadian, and other applicable export control and import laws and not to\ntransfer the Software to any country or person prohibited under such laws. Further, you acknowledge that the Software\nincludes encryption capabilities that may be subject to export, import, and/or use controls under U.S., Canada, and\nother applicable laws. Accordingly, in no event may the Software, the underlying information and technology, and/or any\nsupport services be downloaded or otherwise exported, transferred, or re-exported (i) into (or to a national or\nresident of) Cuba, North Korea, Iran, Syria, Sudan, the Crimea region of the Ukraine, or any other country or national\nof a country to which the U.S. or Canada has embargoed goods, sanctions, or other export restrictions; or (ii) to any\nperson or entity prohibited by the U.S. or Canadian Governments, including but not limited to persons and entities on\nthe U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Denied Parties\nList or Entities List.
\n\nRESTRICTED RIGHTS LEGEND: All Aura software and documentation are commercial in nature. The Software and Software\ndocumentation are “Commercial Items,” as that term is defined in 48 C.F.R. § 2.101, consisting of “Commercial Computer\nSoftware” and “Commercial Computer Software Documentation,” as such terms are defined in 48 C.F.R. § 252.227-7014(a)(1)\nand 48 C.F.R. § 252.227-7014(a)(5). The Software and any related documentation licensed to United States Government end\nusers with only those rights as granted to all other end users will be according to the terms and conditions contained\nin these Terms and applicable sections of the Federal Acquisition Regulations, including but not limited to 48 C.F.R.\n§§ 12.212, 227.7202-1, 227.7202-3, and 227.7202-4.
\n\nYou acknowledge and agree that we or our licensors own all rights in and to the Services. Our rights and those of our\nlicensors are protected by laws and regulations, including copyright laws, patent laws and international intellectual\nproperty treaties. You are permitted to use the Services only as expressly authorized by these Terms of Use. You may\nnot copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile any of the Software,\nServices or other technology.
\n\nWe may offer or provide you access to products, services or web sites provided by third parties, including but not\nlimited to promotional or incentive offers, or free services provided by third parties and web sites that hyperlink to\nour web site. Aura does not control or bear any responsibility for those web sites or third parties, including but not\nlimited to their products or services or use by them of personal information you may provide them.
\n\nEXCEPT WHERE AND TO THE EXTENT PROHIBITED BY LAW, WHICH MAY INCLUDE THE PROVINCE OF QUEBEC, THE SERVICES ARE PROVIDED\nON AN “AS IS” BASIS ONLY. NEITHER WE, NOR ANY LICENSOR OR THIRD-PARTY PROVIDER OF ANY COMPONENT OF THE SERVICES OR OF\nANY INFORMATION DELIVERED AS PART OF THE SERVICES, MAKES, AND EACH EXPRESSLY DISCLAIMS, TO THE EXTENT PERMITTED BY\nAPPLICABLE LAW, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF\nDEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,\nNONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, ACCURACY OR THAT THE SERVICE IS ERROR FREE OR SECURE. .
\n\nWE DO NOT GUARANTEE THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THEY ARE ERROR-FREE, RELIABLE, WITHOUT\nINTERRUPTION OR AVAILABLE AT ALL TIMES. WE DO NOT GUARANTEE THAT THE SERVICES THAT MAY BE OBTAINED FROM THE USE OF THE\nSITE, INCLUDING ANY SUPPORT SERVICES, WILL BE EFFECTIVE, RELIABLE, AND ACCURATE OR MEET YOUR REQUIREMENTS.
\n\nIT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR\nOTHER CONTENT AVAILABLE THROUGH THE SERVICES. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE\nEVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT PROVIDED THROUGH THE SERVICES.
\n\nAURA MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES REGARDING THE EFFECTIVENESS OF THE SERVICES OR TIMELINESS OF\nTHE SERVICES IN MEETING YOUR EMPLOYMENT OR OTHER OBJECTIVES. AURA DOES NOT GUARANTEE THAT THE SERVICES WILL RESULT IN\nYOUR BEING HIRED, RETAINED, OR VIEWED IN A FAVORABLE LIGHT AND AURA IS NOT RESPONSIBLE FOR ANY BUSINESS, EMPLOYMENT,\nHIRING, SALARY OR OTHER DECISIONS, FOR WHATEVER REASON MADE, BY ANY THIRD PARTY.
\n\nIn this section, except where and to the extent prohibited by law, which may include the province of Quebec, in no\nevent shall Aura, its partners, sponsors, advertisers, agents, employees, officers, directors or licensors, or any\nthird party provider of any component of the Services be liable for any consequential, indirect, special, exemplary,\npunitive or similar damages arising from or related to the Services, including but not limited to any loss or damage\ncaused by your reliance on information obtained through the Services, even if advised of the possibility of such\ndamages in advance. Aura is not liable for any personal injury, including death, caused by your use or misuse of the\nServices.
\n\nWhen using the Services, information may be transmitted over a medium which is beyond the control and jurisdiction of\nAura, its partners, advertisers, and sponsors. Accordingly, Aura assumes no liability for or relating to the delay,\nfailure, interruption, or corruption of any data or other information transmitted in connection with use of the\nServices.
\n\nFurther, any software, material and/or data downloaded or otherwise obtained through the use of the Services is at your\nown discretion and risk and you shall be solely responsible for any injury, including without limitation damage to your\ncomputer system or loss of data that results from the download of such material and/or data.
\n\nYOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH AURA IS TO DISCONTINUE YOUR USE OF THE SERVICES. IN NO EVENT SHALL\nOUR LIABILITY, OR THE LIABILITY OF OUR AFFILIATES AND SUBSIDIARIES FOR ANY AND ALL CLAIMS RELATING TO THE USE OF THE\nSERVICES EXCEED THE TOTAL AMOUNT OF FEES THAT YOU PAID FOR THE SERVICES IN THE ONE-YEAR PERIOD PRIOR TO THE DATE THAT\nYOUR CLAIM ARISES. SOME JURISDICTIONS LIMIT OR PROHIBIT THE FOREGOING LIMITATIONS, AND IN SUCH JURISDICTIONS THE\nFOREGOING LIMITATIONS SHALL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY LAW. PLEASE NOTE THAT THE LIMITATION OF\nLIABILITY AND REMEDIES SET FORTH IN THIS SECTION ARE NOT APPLICABLE TO NEW JERSEY RESIDENTS.
\n\nRegistration as a user or subscriber with the Services may require both a user name and a password, and certain\nportions of the Site may require use of multiple one time or persistent passwords. You should consider your user names\nand passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to\nthe restricted portions of the Site or Services and to your account. You must keep your user name and password\nconfidential. You shall immediately notify us if you become aware of any loss or theft of your password or any\nunauthorized use of your user name and password. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR\nFAILURE TO COMPLY WITH THESE OBLIGATIONS. We reserve the right to delete or change a user name or password at any time\nand for any reason.
\n\nWe collect personal information in connection with the Services, which is subject to the terms of our privacy\nstatement. Further, in connection with your enrollment and registration for or use of the Services,\nyou will be submitting your personal information to us, or allowing us to access your personal information, including\nwithout limitation account passwords, user names, financial account information and other personal information, as well\nas other data, materials and content you submit (“Your Information”). BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE\nSERVICES, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICES, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ OUR\nPRIVACY POLICY AND AGREE TO BE BOUND BY IT. Subject to our Privacy Policy, you agree that we may use, copy, modify,\ndisplay and distribute Your Information as we see fit to provide the Services available through the Site. You represent\nthat you have the right to give us Your Information and authorize its use as described above and in the privacy\nstatement. Notwithstanding the foregoing, you agree and acknowledge that, in the event of your breach or violation of\nthese Terms of Use, we may disclose, share or otherwise use Your Information to such third parties and to the extent we\ndetermine in our sole discretion necessary and appropriate to investigate, stop and/or seek appropriate remedies for\ndamage or loss arising from, such breach or violation.
\n\nExcept where and to the extent prohibited by law, which may include the province of Quebec, Aura and/or you may elect\nto resolve any and all claims and disputes relating in any way to the Services and these Terms of Use or any of our\ndealings with one another (“Claims”), except for Claims concerning the validity, scope or enforceability of this\nArbitration Agreement (“Arbitration Agreement”), through BINDING INDIVIDUAL ARBITRATION. This Arbitration Agreement\ninvolves interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (“FAA”), and not by\nstate law. If you or we elect to resolve a dispute by arbitration, neither you nor we will be able to have a court or\njury trial or participate in a class action or class arbitration. Other rights that you and we would have if you or we\nwent to court will not be available or will be more limited in arbitration, including discovery and appeal rights. You\nand we each understand and agree that by allowing each other to elect to resolve any dispute through individual\narbitration, WE ARE EACH WAIVING THE RIGHT TO A COURT OR JURY TRIAL. IF ANY PARTY ELECTS ARBITRATION, THAT DISPUTE\nSHALL BE ARBITRATED ON AN INDIVIDUAL BASIS, AND NOT AS A CLASS ACTION, REPRESENTATIVE ACTION, CLASS ARBITRATION OR ANY\nSIMILAR PROCEEDING. The arbitrator(s) may not consolidate the claims of multiple parties.
\n\nArbitrations shall be administered by the JAMS (“JAMS”) pursuant to the applicable JAMS rules in effect at the time the\narbitration is initiated. You may obtain information about arbitration, arbitration procedures and fees from JAMS by\ncalling 800-352-5267 or visiting http://www.jamsadr.com/. If JAMS is unable or unwilling to arbitrate a dispute, then\nthe dispute may be referred to any other arbitration organization or arbitrator we both agree upon in writing or that\nis appointed pursuant to section 5 of the FAA. The arbitration shall take place at a location that is reasonably\nconvenient for you. The arbitrator shall be authorized to award any relief that would have been available in court,\nprovided that the arbitrator's authority is limited to you and us alone, except as otherwise specifically stated\nherein. No arbitration decision will have any preclusive effect as to non-parties. The arbitrator's decision shall be\nfinal and binding. You and we agree that this Arbitration Agreement extends to any other parties involved in any\nClaims, including but not limited to affiliated companies and vendors. This Arbitration Agreement shall take precedence\nover the rules of the arbitration organization or arbitrator in the event of any conflict. We will be responsible for\npaying all arbitration fees other than the lower amount of filing fees you would have incurred in a state or federal\ncourt. Notwithstanding any other provision herein, you or we may seek relief in a small claims court for Claims within\nits jurisdiction. In addition, you and we each may exercise any lawful rights to seek provisional remedies or\nself-help, without waiving the right to arbitrate by doing so. Notwithstanding any other provision of this Agreement,\nif the foregoing class action waiver and prohibition against class arbitration is determined to be invalid or\nunenforceable, then this entire Arbitration Agreement shall be void. If any portion of this Arbitration Agreement other\nthan the class action waiver and prohibition against class arbitration is deemed invalid or unenforceable, it shall not\ninvalidate the remaining portions of this Arbitration Agreement. This Arbitration Agreement will survive the\ntermination of these Terms of Use, your fulfillment or default of your obligations under these Terms of Use, and/or\nyour or our bankruptcy or insolvency (to the extent permitted by applicable law). YOU HAVE THE RIGHT TO REJECT THIS\nARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. If you do not wish to be bound by this agreement to\narbitrate, you must notify us in writing within sixty (60) days after the date you agree to these Terms of Use,\nincluding this Agreement. You must send your request to: Aura Identity Guard Customer Service, P.O. Box 222455,\nChantilly, VA 20153-2455. The request must include your full name, address, account number, and the statement “I reject\nthe Arbitration Agreement contained in the Terms of Use for my Identity Guard Service.” If you exercise your right to\nreject arbitration, the other terms of these Terms of Use shall remain in full force and effect as if you had not\nrejected arbitration.
\n\nIdentity theft insurance is governed by a master policy the terms of which are incorporated herein by reference. The\nissuance of the policy is evidenced by an insurance certificate, summary of benefits, or other\nsimilar document, that has been provided to you. You acknowledge receipt of this information and agree to be bound by\nthe terms, conditions, limitations, and exclusions of the policy. To view these Terms and our website, you must use a\nsupported browser. You may obtain a paper copy of these disclosures by calling 1-855-443-7748.
\n\nFor US residents, these Terms are governed by the laws of the Commonwealth of Virginia, USA, exclusive of its choice of\nlaw principles.
\n\nFor Canadian residents, these Terms are governed by the laws of the jurisdiction in which the individual resides.
\n\nThe sex offender (“Offender”) information that is used on this site is derived from official public records. In certain\ncases, we may not obtain all the address information associated with the Offender who is contained in the public\nrecord. Depending on the public record data available, we may not be able to plot the Offender on a map and, as such,\nwe may elect to not show information about the Offender. Some of the official data is gathered from the Offenders\nthemselves who are required by law to notify authorities about any changes to their place of residence. The information\ncontained on this site makes no representation as to any Offender's likelihood of re-offending or the nature of any\nfuture crimes they may commit.
\n\nAura has no control over the contents of official public records. If you believe the information on this website is\nincorrect, please contact the local police department in the applicable jurisdiction. That police department will be\nable to assist you directly or refer you to the appropriate authority. Harassing, stalking, defrauding, or threatening\nany Offender listed on this website most likely violates your state's laws and is neither condoned nor encouraged by\nAura, its directors, shareholders, or employees. A person listed on this website does not necessarily mean that\nindividual is an Offender. Please verify all information and contact your local police department for help.
\n\nThis product is not intended as a substitute for consumer reports or other information that may be available to you\nwithout charge. Under the Fair Credit Reporting Act you are entitled to obtain one free credit file disclosure annually\nfrom each of the three nationwide credit reporting systems (Equifax®, Experian®, and TransUnion®) and you may be\neligible for additional free reports under certain circumstances, such as, if you are unemployed and intend to apply\nfor employment, if you are receiving public welfare assistance, if you have reason to believe information in your file\nis inaccurate as a result of fraud, if you have placed a fraud alert or extended fraud alert on your file, or if you\nhave been subject to an adverse action based in whole or in part on the contents of your consumer report.
\n\nYou also may be entitled to free file disclosures under state law. MA, VT, CO, MD, ME and NJ permit consumers to obtain\none credit file per credit reporting agency per year, free of charge. GA permits consumers to obtain two credit files\nper credit reporting agency per year, free of charge.
\n\nNOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES.\nCREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR\nA NOMINAL FEE.
\n\nThe states of MA, VT, CO, NJ, MD and ME permit consumers to obtain one credit report per credit reporting agency per\nyear, free of charge. The state of GA permits consumers to obtain two credit reports per credit reporting agency per\nyear, free of charge.
\n\nThis Service is not intended to substitute for any free credit report or disclosure that any credit reporting agency or\nbureau is required by law to provide to you. Neither you nor anyone else has the right to have accurate and current\ninformation removed from your credit report. If information in your credit report is inaccurate, you have the right to\ndispute it by contacting the credit bureau directly.
\n\n© 2019 Aura All rights reserved. “AURA,” “INTERSECTIONS,” “IDENTITY GUARD” (and combinations thereof) are trademarks\nand/or federally registered trademarks of Aura. The following are trademarks of third parties: Equifax is a registered\ntrademark of Equifax, Inc.; Experian is a registered trademark of Experian, Inc.; TransUnion is a registered trademark\nof TransUnion, LLC; Watson is a trademark of IBM Corporation; and other trademarks are trademarks of their respective\nowners.
\n\nIf you have any questions about these Terms of Use, please contact us at:
Aura Identity Guard Customer Service
P.O. Box 222455
Chantilly, VA 20153-2455
Or Email: Customer Service