ID WORLDWIDE Privacy Policy

The following discloses our information collection, use and dissemination practices for ID Worldwide, LLC. This Privacy Policy was last updated on October 28, 2019 and is subject to change at any time.

Security

ID WORLDWIDE makes enrolling easy, convenient, and safe. All private information submitted to us (including credit card numbers, names, addresses, and telephone numbers) is encrypted using SSL (Secure Socket Layer) technology, a cryptographic protocol providing a secure channel for information to travel through as it crosses the internet. ID WORLDWIDE does not store any credit card information on our website and actively uses TLS to securely encrypt communications between your web browser and our servers. However, due to the inherent open nature of the internet, we cannot guarantee that communications between you and ID WORLDWIDE, and ID WORLDWIDE and you, will be free from unauthorized access by third parties.

Children

The ID WORLDWIDE website is intended for the use of adults 18 years or older. You are not permitted to use the website if you are under the age of 18. By using the website, you agree to provide us with accurate information confirming your age or identity if we request it. In addition, you agree not to assist children under the age of 18 in accessing the ID WORLDWIDE website or to attempt to contact children under 18 through the website.

Use of Email Addresses

ID WORLDWIDE will use customer email addresses for periodic communications. For example, we may contact you about feedback on your experience with us, or provide you with promotional offers. ID WORLDWIDE provides the option to remove your information from our database at any time. If you are on our promotional lists and would like to be removed, simply click the UNSUBSCRIBE button in the footer of the ID WORLDWIDE email. Please allow up to 10 days for your email to be removed. For offline unsubscribe assistance, please contact us at service@members.IDWORLDWIDE.com.

Third Party Use

ID WORLDWIDE must share certain information with our theft insurance and other third-party service providers for the exclusive purpose of providing you with the benefits of the ID WORLDWIDE service. We may make your information available to selected third parties including, but not limited to, those who share or rent information for direct marketing purposes.

Cookies

A cookie is a small, encrypted text file used by developers to make navigation of a website more efficient and open to performing certain functions. You may disable cookies at any time by adjusting a setting in your browser; however, doing so may prevent your ability to use portions of the site. If you wish to find out more about cookies, or how to disable cookies, please visit the Interactive Advertising Bureau’s website at www.allaboutcookies.org.

We collect anonymous data when you visit most pages on the ID WORLDWIDE website. Your visit may automatically provide us with data that is not linked to your personal information, such as your IP (Internet Protocol) address, browser type, operating system, domain name, access times, and referring website addresses. Some parts of the ID WORLDWIDE website use embedded pixel or JavaScript technologies to track general traffic. We collect user’s anonymous data to obtain statistics regarding the use of the ID WORLDWIDE website and its specific web pages. We do not link anonymous data with personal data.

Third Party Tracking

We use Google Analytics, Google AdWords Conversion tracker, and other Google services that place cookies on a browser across the website. These cookies help us increase the website’s effectiveness for our visitors and provide relevant marketing content for a more accommodating experience. To opt-out of Google tracking, please visit http://www.google.com/privacy_ads.html.

Links to Other Sites

ID WORLDWIDE may contain links to other websites. We are not responsible for the privacy practices and content of these third-party websites. We strongly urge you to follow safe Internet practices; please do not supply personal information to these websites unless you have verified their security and privacy policies.

Credit Cards

Enrolling in ID WORLDWIDE requires a valid credit card.

Consent

By enrolling in ID WORLDWIDE, you consent to the use of your personal information in the manner specified by our privacy policy. We may change, modify, or add to the terms and conditions of this Privacy Policy at any time. These changes will be posted on our website where appropriate and will be effective from the date of posting. ID WORLDWIDE is operated in the United States.

Transfer of Data Outside of Your Home Country

If you are located outside the United States, please be aware that any information you provide to us will be transferred to the United States. By using our website or otherwise providing us with information, you hereby consent to this transfer. Although personal information collected by us through our website, emails, mail, fax, and telephone is used by us only in accordance with this Privacy Policy, laws generally applicable to the protection of personal data in the U.S. may not be as stringent as those in other countries. If you submit data to us about other individuals, you agree, and we assume, that you have obtained consent from each such individual to the submission, transfer, and processing of the information.

"ID WORLDWIDE" Terms & Conditions
Effective Date: October 28, 2019

These terms (“Terms” or “Agreement”) shall constitute the agreement between "ID Worldwide, LLC” (“We,” “Us,” or “ID Worldwide”), a Delaware corporation with offices at 13575 Wellington Center Circle, Suite 101, Gainesville, VA 20155, providing a service called "ID WORLDWIDE", and you (“You"), the end user of this service. "ID WORLDWIDE", together with any and all other services or products offered hereunder, shall be referred to as “ID WORLDWIDE". By enrolling in "ID WORLDWIDE", "You" agree to be bound by these Terms.

WITNESSETH:

1. SERVICE: (a) Select "ID WORLDWIDE" services will enable "You" access to a comprehensive credit report provided by VantageScore Solutions LLC and developed jointly by the three major national credit reporting agencies Experian®, TransUnion®, and Equifax®, daily monitoring and notification of new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports by one of the major credit reporting agencies; daily monitoring of Internet chat rooms for your Social Security Number and up to ten of your credit/debit cards registered with the "ID WORLDWIDE" service (the “SSN/Card Monitoring Benefit”); monitoring of your personal, publicly available information (including your name and up to three current or past addresses, three e-mail addresses and three phone numbers), the results of which are updated every two weeks (together with the SSN/Card Monitoring Benefit, the “Monitoring Benefit”); credit card registration; important document registration; a lost/stolen credit card reporting service; computer security software; identity theft insurance coverage; identity fraud support services; the option to use an interactive online fraud resolution guide as a tool to aid in the identity theft recovery process; a copy of your state motor vehicle record; a copy of your Social Security record; a copy of your Medical Information Bureau file should one exist; and support to assist "You" in answering product and resolution-related questions.

(b) "ID Worldwide" reserves the right to change or modify the terms and conditions of this Agreement at any time without notice, and "You" agree to comply with such changes or modifications. "ID Worldwide" may cancel this Agreement by written notice and refund "You" the current term’s applicable membership fee unless the reason for such cancellation is your abstention to pay for services, or a misuse of the "ID WORLDWIDE" site and service. (c) Any or all of the "ID WORLDWIDE" benefits are provided by third parties (“Subcontractors”), unaffiliated with us, whose respective terms and conditions will govern to the extent they are not inconsistent with these Terms. (d) Reimbursement requests with respect to the "ID WORLDWIDE" product are considered based solely upon written materials received from "You". All invoices, receipts, and other documentation must be in writing and are subject to verification.

2. WHO MAY USE; RESTRICTIONS ON USE – (a) The "ID WORLDWIDE" service is non-transferable. Accordingly, "You" agree that "You" will use "ID WORLDWIDE" only for your own behalf and that "You" will be the end user of the information provided by "ID WORLDWIDE". "You" further acknowledge and agree that "You" shall use the Monitoring Benefit solely for the purpose of obtaining a report on your own public records as described herein according to the terms and conditions of this Agreement. Without limiting the foregoing, "You" agree not to use "ID WORLDWIDE" for consumer credit purposes, consumer insurance underwriting, employment purposes, tenant screening purposes, or for any other purpose(s) covered by the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et. seq.) or similar state statutes. "You" acknowledge that this Agreement grants "You" a limited license in exchange for payment of the applicable membership fee and charges for "ID WORLDWIDE", and "You" shall not reproduce, retransmit, republish or otherwise transfer for commercial purposes any information that "You" receive from "ID WORLDWIDE". "You" agree to limit the use and dissemination of information from "ID WORLDWIDE" solely to the uses set forth herein. In order to access the information, "You" will be provided your own membership number. "You" will be responsible for all use of your membership number and must notify us immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number. "You” acknowledge and agree that the virus protection, personal firewall, parental control, and spam filter software will only be utilized on a single computer that is physically present in your household. The "ID WORLDWIDE" service may not be used for business or commercial purposes. "You" acknowledge and understand that "ID WORLDWIDE" will only allow "You" to access "ID WORLDWIDE" if "You" meet and continue to meet the standards described herein.

(b) "You" understand that by enrolling in the applicable "ID WORLDWIDE" service, "You" are providing “written instructions” in accordance with the federal Fair Credit Reporting Act, as amended (“FCRA”), for "ID Worldwide" and its service providers, which may include ConsumerInfo.com, Inc. (“CIC”) and CSIdentity Corporation (“CSID”), to obtain information from your personal credit profile from Experian®, TransUnion®, and Equifax®, the three major credit reporting agencies. "You" authorize "ID Worldwide, LLC” and its service providers 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 where applicable.

(c) I authorize CX Loyalty, which provides “ID Worldwide” and its service providers, which may include ConsumerInfo.com, Inc. and CSIdentity Corporation to obtain and monitor my own credit information from credit reporting agencies and send this information to me alone for my own use.

3. LIABILITY – YOU ACCEPT ALL INFORMATION RECEIVED THROUGH "ID WORLDWIDE" “AS IS”. NEITHER "ID WORLDWIDE", CIC AND CSID, NOR ANY OF ITS AFFILIATES OR SUBCONTRACTORS, SHALL HAVE ANY LIABILITY TO YOU AS AN AGENT IN OBTAINING COPIES OF YOUR PERSONAL CREDIT REPORT OR YOUR CREDIT MONITORING REPORT OR FOR ANY DEFECTIVE PRODUCTS PROVIDED TO YOU IN CONNECTION WITH THE "ID WORLDWIDE" SERVICE. NEITHER "ID WORLDWIDE", CIC AND CSID, NOR ANY OF ITS AFFILIATES OR SUBCONTRACTORS, MAKE ANY WARRANTY, EXPRESS OR IMPLIED, FOR THE ACCURACY, COMPLETENESS, CORRECTNESS, CURRENTNESS, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF "ID WORLDWIDE" OR THE COMPONENTS THEREOF, INCLUDING, WITHOUT LIMITATION, THE INFORMATION CONTAINED IN THE REPORTS WHICH YOU RECEIVE AS PART OF "ID WORLDWIDE". NEITHER "ID WORLDWIDE", CIC AND CSID, NOR ANY OF ITS AFFILIATES OR SUBCONTRACTORS, ASSUME ANY LIABILITY FOR DAMAGES, DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL, IN CONNECTION WITH THE PERFORMANCE OF THE "ID WORLDWIDE" SERVICE OR YOUR REQUEST, USE OR ATTEMPTED USE OF THE "ID WORLDWIDE" SERVICE. NEITHER "ID WORLDWIDE", CIC AND CSID, NOR ANY OF ITS AFFILIATES OR SUBCONTRACTORS, ARE RESPONSIBLE FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY REPORTS YOU RECEIVE AS PART OF THE "ID WORLDWIDE" SERVICE. THE AGGREGATE LIABILITY OF ALL SUCH PARTIES TO YOU IN ANY EVENT IS LIMITED TO THE AMOUNT WHICH YOU HAVE PAID "ID WORLDWIDE" FOR YOUR MEMBERSHIP. "ID WORLDWIDE" IS NOT A CREDIT COUNSELING SERVICE AND DOES NOT PROMISE TO HELP YOU OBTAIN A LOAN OR IMPROVE YOUR CREDIT RECORD, HISTORY, OR RATING. THE TERMS OF THIS SECTION SHALL SURVIVE ANY TERMINATION, CANCELLATION OR EXPIRATION OF THIS AGREEMENT.

4. MISUSE OF "ID WORLDWIDE" OR INFORMATION – "You" agree to protect against the misuse of "ID WORLDWIDE". "You" agree that "ID WORLDWIDE" may, if concerned about your use, temporarily suspend your access for up to ten (10) business days pending an investigation. "You" agree to cooperate fully with any and all investigations. If misuse is confirmed through investigation, "ID WORLDWIDE" may immediately terminate this Agreement.

5. SECURITY EVENT – In the event that "You" learn or have reason to believe that "ID WORLDWIDE" data has been disclosed or accessed by an unauthorized party, "You" will immediately give notice of such event to "ID WORLDWIDE" by calling 877-893-8758.

6. AUDIT – "You" understand and agree that in order to ensure compliance with applicable laws, "ID WORLDWIDE" will conduct periodic reviews of your activity and may, on a random basis, contact "You" to review completed searches. "You" agree to reasonably cooperate with any and all such reviews. Violations discovered in any review by "ID Worldwide" will be subject to immediate action including, but not limited to, termination of this Agreement.

7. INDEMNIFICATION – "You" agree to indemnify and hold "ID Worldwide", its Subcontractors, and their respective parents, subsidiaries, affiliates, officers, directors, and employees harmless from any claim, damage, demand, expense, liability, or loss, including reasonable attorneys’ fees, incurred by such party arising out of or relating to your unauthorized use of the "ID WORLDWIDE" service or your violation of these Terms. The terms of this Section shall survive any termination, cancellation or expiration of this Agreement.

8. GOVERNING LAW– This Agreement, and the respective rights and obligations of the parties hereunder, shall be governed by, and construed in accordance with, the laws of the State of Virginia. If there is a dispute between "You" and "ID Worldwide", any of such parties may elect to have it resolved by proceeding in small claims court or by final and binding arbitration administered by the American Arbitration Association under its rules for consumer arbitrations. All disputes in arbitration will be handled just between the named parties, and not on any representative or class basis. YOU ACKNOWLEDGE THAT THIS MEANS THAT YOU MAY NOT HAVE ACCESS TO A COURT OR JURY. The terms of this Section shall survive any termination, cancellation or expiration of this Agreement.

9. ARBITRATION – "You", on the one hand and "ID Worldwide" and/or CIC and CSID, on the other agree that any claim or dispute (“Claim”) between Us shall, at the election of any one of Us, be resolved by binding arbitration administered by the American Arbitration Association under its rules for consumer arbitrations. It is the parties’ intent that this arbitration provision be construed broadly, including that this arbitration agreement include any Claims against "ID Worldwide" or CIC AND CSID as well as their respective corporate affiliates. "You" agree that, by entering into this Agreement, "You", "ID Worldwide" and CIC and CSID are each waiving the right to a trial by jury or to participate in a class action. At your request, we will pay the first $125 of your arbitration fees. "You" will be solely responsible for your arbitration fees and costs in excess of $125. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual Claim. YOU, ON THE ONE HAND, AND "ID WORLDWIDE" AND/OR CIC AND CSID, ON THE OTHER, AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both "You" and "ID Worldwide" agree otherwise, the arbitrator may not consolidate more than one person’s Claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision in the preceding sentence is found to be unenforceable then the entirety of this arbitration provision in Section 9 shall be null and void. Notwithstanding the foregoing, either party may bring an individual action in small claims court. The parties to this Agreement acknowledge that this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”). Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow substantive law to the extent consistent with the FAA and shall honor any claims or privileges recognized by law. The terms of this Section 9 shall survive any termination, cancellation or expiration of this Agreement.

10. MEMBERSHIP FEE – For your convenience, your applicable membership fee will be automatically billed to your credit or debit card account (or to the related checking account) "You" designated when "You" enrolled in the "ID WORLDWIDE" service, unless "You" call to cancel. "You" applicable membership fee will be billed in accordance with the billing terms furnished to "You" at the time you enrolled in the "ID WORLDWIDE" service.

11. RENEWALS – Unless "You" notify "ID WORLDWIDE" that "You" do not wish to renew your membership, we will automatically renew your membership at the end of each term and bill the then-current applicable renewal fee to your designated billing source.

12. RIGHT TO CANCEL MEMBERSHIP – (a) "You" have the right to cancel this Agreement at any time. Any outstanding fees or charges in accordance to this Agreement must be paid prior to the termination of your account. "You" may cancel this Agreement by visiting "ID Worldwide".com, contacting "ID Worldwide" support at 1-800-297-1548, or writing to "ID WORLDWIDE", 13575 Wellington Center Circle, Suite 101, Gainesville, VA 20155 Attention: Membership Department. (b) Access to "ID WORLDWIDE" benefits, including Identity Theft Insurance, is contingent upon the availability of funds designated by your billing source and the receipt of billed applicable membership fees. "ID Worldwide" reserves the right to terminate benefits and this Agreement upon delinquency of the billed applicable membership fee payments. "ID Worldwide" may also elect in its sole discretion to suspend access to all "ID WORLDWIDE" benefits, including Identity Theft Insurance, and keep this Agreement in effect until payment of all outstanding fees has been met.

13. THIRD PARTY BENEFICIARIES – "You" agree that these Terms, including the arbitration provision contained in Section 8, shall confer third-party beneficiary status on any entity or person that assists "ID Worldwide, LLC” in providing the "ID WORLDWIDE" service with respect to any claims relating thereto. The terms of this section shall survive any termination, cancellation or expiration of this Agreement.

14. ELECTRONIC COMMUNICATIONS - “ID Worldwide, LLC”, may communicate with “You” regarding the “ID WORLDWIDE” service by mail, by telephone (including text messages) or by electronic communications that “You” provided when “You” signed up for the “ID WORLDWIDE” service and/or by postings to the “ID WORLDWIDE” service website. “ID WORLDWIDE” may communicate electronically to “You” the following types of communications: “ID WORLDWIDE” Terms and Conditions (including any amendments thereto), notices or disclosures regarding the “ID WORLDWIDE” service, payment and billing authorizations, and other matters relating to your use of the “ID WORLDWIDE” service.

15. AGREEMENT ENTIRETY – This Agreement, as may be amended from time to time, sets forth the entire understanding and agreement between "ID WORLDWIDE" and "You" regarding the subject matter herein and supersedes any prior or contemporaneous oral or written agreements or representations.

16. VantageScore 3.0 Disclosure – VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some, but not all lenders. Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender.

There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.

There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don’t be surprised if your lender gives you a score that’s different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender’s score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.

17. All "ID WORLDWIDE" services and benefits are provided by "ID Worldwide, LLC”. Any part of the "ID WORLDWIDE" service may be modified or improved at any time and without prior notice. "ID WORLDWIDE" is a registered mark of "ID Worldwide, LLC”.