Your PrivacyGuard membership includes up to $1,000,000 identity theft insurance with no deductible.* Items covered include certain legal costs (such as reasonable attorney fees), notary fees, phone and mail charges, and fees for refiling credit applications incurred by you to recover your identity. The policy also includes coverage for unauthorized electronic fund transfers that your financial institution has not previously reimbursed. Lost wages are also part of this insurance policy - up to $1,500 per week up to a total of five weeks - for income you have lost as a result of the time spent restoring your good name.
PrivacyGuard provides the guidance and support you need for filing your insurance claim. Should you become the victim of identity theft, simply call the toll-free PrivacyGuard customer service number. You'll be transferred to an insurance claim representative who can help answer your questions and get the claim process started.
Of course, up to $1,000,000 in identity theft insurance is just one of the many reasons you should sign up for PrivacyGuard.* There's also access to your triple-bureau credit report compiled from the three credit reporting agencies, Experian, Equifax and TransUnion, and the CreditXpert Credit Scores™ associated with each report. PrivacyGuard also provides daily credit monitoring of your triple-bureau credit report, helping you remain vigilant to certain changes to your report. You also have access to Experian Scorex PLUSsm score tracker and score alerts, a customizable system that allows you to be alerted whenever your credit score rises or dips below a certain point, or moves a certain number of points in a month. And if there is a problem with any item on your report, PrivacyGuard's team of credit professionals can help advise you how to dispute it. See details.
For your security, simply complete the authentication process on the website after you enroll in PrivacyGuard. You cannot access your Credit Report and Scores or start your Credit Monitoring and Alerts until you verify your identity.
Sadly, no one is safe from the risk of identity theft. But PrivacyGuard can help you stay informed of potential threats to your credit and identity, and provide you the resources you need to help you if your good name should become compromised. Join PrivacyGuard now, and experience the additional peace of mind your membership brings.
*Your PrivacyGuard membership includes Experian Scorex PLUS℠ and CreditXpert® Scores. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common scoring practices and are designed to help you understand your credit. Your scores are calculated using specific algorithms and are based on information from the files at the three major credit reporting agencies. Your scores may not be similar to scores you receive directly from those agencies or from other sources
*Your liability for unauthorized use of your credit, debit, and ATM cards is limited under federal law. In addition, your card issuer's liability policy may provide for lesser liability amounts that under federal law. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable.
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The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected.
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"). Upon enrollment in the PrivacyGuard service, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of Chartis Inc. (collectively, the "Company") under group policy # 7077733 for non-New York State insureds and # 1423212 for New York State insureds. 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. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.
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