Identity Track

Product Disclosures & Refunds
- Identity Track^SM

Refund Policy:

SIGNATURE AGENCY, INC. IS COMMITTED TO PROVIDING QUALITY SERVICE TO OUR CUSTOMERS. IF YOU WISH TO DISCUSS YOUR SUBSCRIPTION, PLEASE CALL OUR CUSTOMER SERVICE CENTER (1-866-467-2366) AND ONE OF OUR REPRESENTATIVES WILL BE HAPPY TO ASSIST YOU. SIGNATURE AGENCY, INC., OFFERS A FULL REFUND OF MEMBERSHIP DUES IF MEMBERSHIP IS CANCELLED DURING THE FIRST 30 DAYS. AFTER THE FIRST 30 DAYS, YOU WILL NOT BE BILLED ANY FURTHER IF YOU CANCEL A MONTHLY SUBSCRIPTION. REFUNDS ON ANNUAL PRODUCTS ARE PRO-RATED BASED ON THE REMAINING SUBSCRIPTION TERM.

CUSTOMER SERVICE HOURS:
8:00 a.m. – 10:00 p.m. Monday - Friday, Eastern
9:00 a.m. – 5:00 p.m. Saturday, Eastern

Identity Track Product Disclosure

PLEASE READ THE FOLLOWING TERMS OF USE AND DISCLOSURES CAREFULLY. BY SUBMITTING YOUR ORDER YOU ARE ACKNOWLEDGING THAT YOU HAVE READ THE DISCLOSURES AND AGREE TO BE BOUND BY THE TERMS OF USE.

FOR IDENTITY TRACK, SEE SECTION I. THOSE TERMS OF USE AND DISCLOSURES GOVERN IDENTITY TRACK.

FOR IDENTITY TRACK CARD REGISTRY, SEE SECTION II. THOSE TERMS OF USE AND DISCLOSURES GOVERN IDENTITY TRACK CARD REGISTRY.

Section I – Identity Track

Legally Binding Terms. Identity Track with Notify Express (the "Product") from Signature Agency Inc. ("Signature") is administered by Intersections Inc. ("Intersections"). Signature is a member of the GE Financial family of companies and a part of the General Electric Company. Intersections is not an affiliate of Signature. Your acceptance of the Product constitutes your acceptance of these Terms of Use.

Ongoing Services. If you have ordered an ongoing service on a monthly basis, you authorize Signature to collect the monthly fee, at the then current rate, unless you cancel your membership by calling the number provided in your materials.

Your Use. You may use the Product only for non-commercial purposes. You may not use or order the Product for anyone else.

No Representations or Warranties. THE PRODUCT IS PROVIDED ON AN "AS IS" BASIS ONLY. SIGNATURE AND INTERSECTIONS 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 IS ERROR FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY USE YOU MAKE OF THE PRODUCT OR ACTION OR DECISION YOU MAKE BASED ON IT.

Limitation of Liabilities. IN NO EVENT MAY SIGNATURE OR INTERSECTIONS BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE PRODUCT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. SIGNATURE'S AND INTERSECTIONS' TOTAL LIABILITY ARISING FROM OR RELATED TO THE PRODUCT MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE PRODUCT.

Third Party Providers. The Product contains information provided by one or more credit reporting agencies, as identified in your materials. The Product may contain credit score analysis provided by one or more third-party providers, as identified in your materials. SIGNATURE AND INTERSECTIONS DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY CREDIT REPORTING AGENCY OR SCORE ANALYSIS PROVIDER.

Changes. Signature in its sole discretion may modify or cancel the Product, or change the fees, at any time without notice to you. Signature may modify these Terms of Use by posting the changes on the Product web site. The changes will be binding on you.

General. These Terms of Use are governed by the laws of the Commonwealth of Virginia, USA, exclusive of its choice of law principles. Any claim arising out of or relating to the Product 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. Identity theft insurance is governed by additional terms and conditions stated in the certificate provided to you with these materials. These Terms of Use state the exclusive terms, conditions, representations and warranties governing the Product.

IMPORTANT INFORMATION ON REGULATIONS

The Fair Credit Reporting Act (FCRA) grants consumers important rights regarding consumer credit, credit files and related matters. Your specific rights are summarized below. You may have additional rights under state law.

You must be told if information in your file has been used against you. Anyone who uses information from a consumer reporting agency to deny your application for credit, insurance, or employment -- or take another adverse action against you -- must tell you and give you the name, address, and phone number of the agency that provided the information.

You can find out what is in your file. At any time, you may request and obtain your report from a consumer reporting agency. You are entitled to free reports if a person has taken adverse action against you because of information in a report; if you are the victim of identify theft or fraud; if you are on public assistance; or if you are unemployed but expect to apply for employment within 60 days. In addition, you are entitled to one free report every 12 months from each of the nationwide credit reporting agencies and from some specialized consumer reporting agencies. You may request your report beginning on December 1, 2004, or on a later date, depending on where in the country you live.

You have a right to know your credit score. For a fee, you may request your credit score. In some mortgage transactions, you will receive credit score information without charge.

You can dispute inaccurate information with the consumer reporting agency. If you tell a consumer reporting agency that your file has inaccurate information, the agency must take certain steps to investigate unless your dispute is frivolous.

Inaccurate information must be corrected or deleted. A consumer reporting agency or furnisher must remove or correct information verified as inaccurate, usually within 30 days after you dispute it. However, a consumer reporting agency may continue to report negative data that it verifies as being accurate.

Outdated negative information may not be reported. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need as determined by the FCRA -- usually to consider an application with a creditor, insurer, employer, landlord, or other business.

Identity theft victims and active duty military personnel have additional rights. Victims of identity theft have new rights under the FCRA. Active-duty military personnel who are away from their regular duty station may file “active duty” alerts to help prevent identity theft.

For more information, visit www.ftc.gov/credit, or write to: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

This product or service is not intended to substitute for the disclosures required by the credit reporting agencies and their laws.

The FCRA gives several federal agencies authority to enforce the FCRA:

TO COMPLAIN AND FOR INFORMATION: PLEASE CONTACT:

Consumer reporting agencies, creditors and others not listed below Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4357 (Toll-Free)

National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743

Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551 202-452-3693

Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552 800-842-6929

Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-519-4600

State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638
1-877-275-3342

Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation
Office of Financial Management
Washington, DC 20590 202-366-1306

Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051

NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. 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.

MA, VT, CO, MD, ME and NJ permit consumers to obtain one credit file per credit reporting agency per year, free of charge.

GA permits consumers to obtain two credit files per credit reporting agency per year, free of charge.

The Equal Credit Opportunity Act entitles you to be considered for credit regardless of race, color, age, sex, or marital status. The Act does not guarantee you will get credit; it ensures that the credit grantor must apply tests of creditworthiness impartially.

The Truth in Lending Act says that credit grantors must reveal the true cost of using credit; for example, they must disclose the annual interest rate you will be paying. In the case of a revolving credit card account, you must be told the periodic interest rate and the minimum monthly payment.

The Fair Debt Collection Practices Act protects you against threats from a debt collector and states that debt collection agencies must provide verification of any amount owed.

The Fair Credit Billing Act states that if you believe a bill you have received is in error, you may notify the creditor in writing within 60 days. The creditor must either correct the bill or send you an explanation within 90 days.

IMPORTANT INFORMATION ON CREDITXPERT
The following information applies to all CreditXpert® products. The following disclosures, representations and disclaimers that are made by, and apply to, CreditXpert Inc., are also made by, and apply, to Intersections Inc.

The information used by CreditXpert products is derived from one or more credit reports produced by the major credit reporting agencies, also called credit bureaus. The information contained in credit reports reflects the latest information provided to and recorded by the credit bureaus. Recent activity, such as making a payment, opening a new account or authorizing a credit inquiry, may not yet be reflected in the person’s credit reports. If not, this activity will not be reflected in any CreditXpert products. In addition, results may change every time new information is added to or removed from credit reports, as well as with the passage of time. CreditXpert products are only as accurate as the information upon which they are based. CreditXpert Inc. is not responsible for incorrect, missing or outdated information in credit reports, which may lead to inaccurate results. Users should carefully review all of the information in credit reports to make sure it is accurate and up-to-date. Note that CreditXpert Inc. does not provide financial or other advice, and is not a credit counseling or credit repair organization.

CreditXpert Credit Scores^TM are provided to help users better understand how lenders evaluate consumer credit reports. Lenders may use a different score to evaluate a person’s creditworthiness. Therefore, nothing in CreditXpert products is an endorsement or a determination of a person’s qualification for a loan, a change in loan terms or any other extension of credit by lenders. Each lender has specific underwriting standards, so a person should not assume that he or she will receive the same evaluation, credit terms or conditions from each lender. Also, CreditXpert Inc. is not connected in any way to Fair Isaac Corporation; the CreditXpert Credit Score is not a so-called FICO® score. CreditXpert Inc. does not represent that CreditXpert Credit Scores are identical or similar to any specific credit scores produced by any other company. Moreover, score changes predicted by CreditXpert products are only estimates. CreditXpert Inc. does not guarantee that credit scores from any other company will change by the same number of points, if at all.

Also, CreditXpert Inc. does not represent that potential problems found by its software in credit reports are real, or that correcting such items will result in changes to credit scores. Furthermore, CreditXpert Inc. provides information to help consumers make their own decisions; it does not advise anyone to dispute any item in his or her credit report. Moreover, CreditXpert products do not change any information in any credit report, nor do they initiate any disputes on anyone’s behalf.

THE FOREGOING INFORMATION IS NOT INTENDED TO PROVIDE OR IMPLY WARRANTIES OF ANY KIND. CREDITXPERT PRODUCTS ARE PROVIDED ON AN “AS IS” BASIS, AND CREDITXPERT INC. AND ITS SUPPLIERS DISCLAIM ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, NON-INTERFERENCE AND/OR ACCURACY OF INFORMATIONAL CONTENT.

TRADEMARK AND COPYRIGHT
Intersections and Notify Express are trademarks or federally registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax Inc.; Experian is a registered trademark of Experian Inc.; Identity Track is a registered service mark of Signature; and other trademarks are trademarks of their respective owners.

Section II – Identity Track Card Registry

Legally Binding Terms. Identity Track Card Registry (the "Product") from Signature Agency Inc. ("Signature") is administered by Intersections Inc. ("Intersections"). Signature is a member of the GE Financial family of companies and a part of the General Electric Company. Intersections is not an affiliate of Signature. Your acceptance of the Product constitutes your acceptance of these Terms of Use.

Your Use. You may use the Product only for non-commercial purposes. You may not use or order the Product for anyone else.

Lost and Stolen Events; Emergency Cash Advance. By reporting a lost or stolen incident to Intersections, you authorize Intersections to contact the issuers of each credit card and bank card (each a “Card”) designated by you and cancel the Card, report the lost or stolen event, or request a new Card, as you request. At the time of the lost or stolen event, Intersections may require you to confirm or restate the foregoing authorization. Intersections or the Card issuer may require additional evidence of the lost or stolen event, including without limitation written confirmation by you or a police report. By requesting an emergency cash advance, you authorize Intersections to contact the Card issuer designated by you and arrange for the cash advance you request. At the time of the lost or stolen event, Intersections may require you to confirm or restate the foregoing authorization. Your request for a cash advance may be denied if you are less than 100 miles from home, fail to provide the requested verification of the incident, which may include a police report, are unable to provide the security and other required information, or do not satisfy the conditions of the Card issuer. Intersections is only able to take the actions permitted and processed by your Card issuer. Intersections is not responsible for any failure by any Card issuer to take the action requested on your behalf, or any other action taken or condition imposed by your Card issuer.

Credit Report Information. At the time you report a lost or stolen incident, Intersections may need to retrieve your credit report information from a credit reporting agency in order to provide the Product to you. By reporting a lost or stolen event, you authorize Intersections on your behalf to retrieve your credit report information from the credit reporting agency. In addition, should the credit monitoring feature of the Product need to be activated, Intersections will need your authorization to access and monitor your credit report information on an ongoing basis. By activating the credit monitoring feature of the Product, you authorize Intersections to access and monitor your credit report information on an ongoing basis. At the time of the lost or stolen event, Intersections may require you to confirm or restate the foregoing authorizations. Your credit report information is provided by a third party credit reporting agency and Intersections is not responsible for the credit report information.

Limitation of Liabilities. IN NO EVENT MAY SIGNATURE OR INTERSECTIONS BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE PRODUCT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. SIGNATURE'S AND INTERSECTIONS’ TOTAL LIABILITY ARISING FROM OR RELATED TO THE PRODUCT MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE PRODUCT.

Changes. Signature Agency Inc. in its sole discretion may modify or cancel the Product, or change the fees, at any time without notice to you. Signature Agency Inc. may modify these Terms of Use by posting the changes on the Product web site. The changes will be binding on you.

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