HomeMy WebLinkAboutPRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELDINSURANCE NOT REQUIRED A-2022-170
WORK MAY PROCEED
CLERK OF COUNCIL
DATE: IV \/ LegalShield-
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1. Employer. City of Santa Ana a charter city and municipality formed
in the state of California (the "Employer") enters this agreement
N
N
r ("Agreement") with Pre -Paid Legal Services, Inc., dba LegalShield ("LegalShield" or
a� "Company"), an Oklahoma corporation, for identity theft services to be offered to its
® employees as an employee benefit.
W 2. Term of Agreement. This Agreement is effective on January 1, 2023 and isfor
va
1 year(s). After the initial term, this Agreement will automatically renew for additional one- year
terms. If either party does not want the Agreement to renew then either party shall give the other
party at least thirty (30) days prior written notice.
3. Eligibility and Enrollment. All full time and part time employees working twenty (20) plus hours
a week are eligible to enroll. Employees may enroll in the group identity theft plans ("Services
Plans") annually during the Employer's open enrollment. The Employee ("Member') must enroll for
a period of one year.
4. Payment. The rate for the group identity theft Service Plan is$ 14.05 per month per
Employee for the family plan or$ 7.45 per month for an individual plan. Each month,
the Employer will provide the Company with a Member file list and payment for each Member.
5. Indemnity. Each party agrees to indemnify the other party and their affiliated companies from any
and all claims, losses, damages and causes of action. This includes, with no limits, all expenses, costs,
and attorney fees that may occur as a result of the other party's failure to meet the provisions of the
Agreement orfromany negligent actsoromissions of the party. The Party seeking to be indemnified
(the "Indemnified Party") shall give the other party (the "Indemnifying Party") prompt written notice
of any claim subject to indemnification; provided that the Indemnified Party's failure to promptly
notify the Indemnifying Party shall not affect the Indemnifying Party's obligations hereunder except
to the extent that the Indemnified Party's delay materially prejudices the Indemnifying Party's ability
to defend such claim. The Indemnifying Party shall have the right to defend against any such claim
with counsel of its own choosing and to settle such claim as the Indemnifying Party deems
appropriate, provided that the Indemnifying Party shall not enter into any settlement that assesses
blame against the Indemnified Party without the Indemnified Party's prior written consent. The
Indemnified Party agrees to reasonably cooperate with the Indemnifying Party in the defense and
settlement of any such claim, at the Indemnifying Party's expense.
6. The following are eligible for services under the family Identity Theft Plan, except as otherwise
provided in the family Identity Theft Plan:
a. The Employee ("Named Member" or "Participant").
b. The Named Members spouse or domesticpartner.
OFFERED BY:
PRE -PAID LEGAL SERVICES, INC.,
or its applicable subsidiaries
ONE PRE -PAID WAY - P.O. BOX 145
ADA, OKLAHOMA 74820
1-888-807-0407
LS-591(08/20)
c. Mon itoringservices for up tote n J10) eligible dependent chi I drenunder the age of 18 of the
Named Member or Named Member'spouse or domestic partner. Consultation and Restoration
Services for eligible dependent children under the age of 26. Identity Fraud Protection Plan
("Protection Plan") for dependents subject to the complete terms, coverage, conditions, and
limitations under the Protection Plan.
7. Services Plans. The Company will provide the Services described in the Identity Theft Overview
attached as Exhibit A to this Agreement to enrolled Employees in return for the Member's Services
Plans membership fee.
8. No change in the Services Plans shall be valid until approved by an officer of the Company and
endorsed on orattached to the Agreement. No agent can change the Agreementor Services Plans or
waive any of its provisions. A 30-day notice will be given should there be any change in the Services
Plans.
9. Settlement of Disputes. The courts of the State of Delaware shall have jurisdiction to resolve
any disputes that arise under this Agreement, and each party consents to such jurisdiction, and to
venue in such courts.
10. Notice. All notices under this Agreement must be in writing and shall be deemed to have been duly
given and received when (a) delivered by hand (with written confirmation of receipt); (b) sent by email
(with written confirmation of receipt), provided that a copy is mailed by registered or certified mail,
return receipt requested; or (c) when received by the addressee, if sent by a nationally recognized
overnight delivery service (receipt requested), in each case to the appropriate addresses set forth
below:
If to LegalShield: Pre -Paid Legal Services, Inc., dba LegalShield
One Pre -Paid Way
Ada, Oklahoma 74820
Attn: General Counsel
generaIcounseI@IegaIshieldcorp.com (email)
If to Employer: City of Santa Ana
20 Civic Center Plaza
Santa Ana, CA 92702
Attn:
11, Reinstatement Procedure. Should the Member leave their employment; they may elect to
continue theirServices Plans by notifying the Company. The Company, at its option, may reinstate
the Services Plans upon payment by the Member of the member fee. The Effective Date of the
Page 2 of 6 LS-S91(08/20)
reinstatement shall be the date the reinstatement is accepted and processed by the Com pang.
Services are not available for any act or occurrence during the lapse period.
12. Change of Fees. The Company has the right to change the membership fee for the Services
Plans. Changes in the fee will only occur on the anniversary date of the Services Plans. Should the
fee be changed, the Member will be sent a 30-day written notice.
13. Severability. If any provision of this Agreement is deemed invalid or unenforceable in any
respect, such provision shall be, to the extent possible, reformed to make it effective. If any
provision is deemed invalid and incapable of being reformed, it shall not impact the validity and
enforceability of all otherprovisions of this Agreement, which shall remain valid and enforceable.
(Signatures on following page)
Page 3 of 61S-591(08/20)
IN WIRTNESS WHEREOF, the parties hereto have executed this Agreement the date and year first
above written.
ATTEST:
A,
Clerk of the Council
RECOMMENDED FOR APPROVAL:
J n Motsick
/$xecutive Director
Human Resources Agency
CITY OF SANTA ANA
Kristine Ridge
City Manager
PRE -PAID LEG LSERVI ES, INC. dba LEGALSHIELD
Print Name: n y Simmons
Title: Busines olutions Vice -President
Date: 08-25-2022
EMPLOYER
Print Name:
Date:
Approved as to form:
Ryan' O.' Hodge
Assistant City Attorney
Page 4 of 6 LS-591(08/20)
EXHIBIT A
IDENTITY THEFT OVERVIEW
IU IDShield-
IDShield PlanOverview
Accessing Identity Theft Services
To receive identity theft consultation and restoration services, call 888-494-8519. For questions about
the plan, contact Member Services at 1-888-807-0407 from 7 a.m. CT-7 p. m. Cr, Monday— Friday. For
emergency after-hours support call 1-866-696-0927.
Who isCovered
The IDShield Individual Plan covers the participant (employee).
The IDShield Family Plan covers the participant, theirspouse/partner, dependent parents and upto 10
dependent children undertheage of 26. Dependent children ages 18-26 and dependent parents of the
participantor participant's spouse are eligible for consultation and restoration services only. Monitoring
services are not available for dependent parents and dependent children ages 18-26.
What Services Are Covered
The IDShield plan includes the following covered services:
Restoration Services
$1 Million Identity Fraud Protection Plan
IDShield provides a $1 million identity fraud protection plan, provided by a leading national carrier. This covers costs
incurred as a result of identity theft —such as:
• Lost Wages
• Travel Expenses
• Elder and Child Care
• Initial Legal Consultation
• Certified Public Accountant Costs
• Stolen Funds from Unauthorized Electronic Funds Transfers
• Financial Loss from 401Ks and HSAs
If participant enrolls in the family plan up to $2 million of aggregate coverage is provided. The participant and
participant's spouse will each receive up to $1 million protection.
Licensed Private Investigators
Participants have access to consultation services provided by our Licensed Private Investigators. If a participant
experiencesan identity theftevent, one of our investigators will walk them through theirissueswith one-on-oneadvice
tailored to thespecific situation. Participants will have access to an assigned and dedicated invesdgatorthroughout the
restoration process. All Licensed Private Investigators are licensed in the state of Oklahoma.
Our Investigators' credentials include:
• Fair Credit ReportingAct(FCRA)Certified
• Certified IdentityTheft Risk Management Specialist (CCTRMS)
• Certified Credit Scoring Specialist(CCSS)
• Certified Credit Report Reviewer (CCRR)
Full -Service Restoration
If an identity theftevent does occur, ourLicensed Private Investigators will do whatever it takes for as long as it takes
to restore a participant's identity to its pre -theft status. The investigator will work on a participant's behalf to resolve
the issueby working with theappropriategovemmentagencies, financial institutions, credit bureaus and collection
agencies. No othercompany offers this high level of professional service.
With IDShield's family plan the participant's, the participant's spouse'sor the participant's domestic partners
dependent children and adult parent dependents are eligible for consultation and restoration services.
Monitoring and Detection Services
Auto -Monitoring
IDShieid's auto -monitoring provides participants with monitoring services directlyon the effective date of the plan.
Using the participant's full or partial Social SecurityNumber (SSN), name, address and dateof birth provided at timeof
enrollment, the participant's identity is automabcallymonitored. During accountactivation, participants areencouraged
to provide further information to enable the full monitoring services the plan provides. To activate their account,
participants will be asked two questions about their credit history to successfully authenticate their account and
confirm theiridentity.
The following services are available for auto -monitoring:
• Credit Monitoring
• Dark Web and Internet Monitoring
• Court Records Monitoring
• Public Records Monitoring
• Address Change Monitoring
Oniythe named participant is subject to auto monitoring. Spouse anddependentchild monitoring will require separate
set-up by accessing the partid pant portal.
Dark Web and Internet Monitoring
Billions of records are for sale on the dark web, so real-time monitoring is vital. IDShield's dark web and Internet
monitoring provides extensivescansofonline sources for identity data and sends participants real-timealerts if their PII
is found. IDShield reviews thousands of websites and data points across the dark web to see if participant information
has beenexposed.
We monitor the following:
• Full Name
• Date of Birth
• Social SecuntyNumber
• Driver's LicenseN umber
• PassportNumber
• Mailing Address
• Phone Numbers (up to 10)
• Bank Account Numbers (up to 10)
• Credit/Debit/Retail Card Numbers
( up to 10 each)
• Medical ID Numbers (up to 10)
• InvestmentAccountNumbers(up
to 10)
• Usernameand Password
Combinations(upto 10)
• Mother's Maiden Name
Username/Password (Credentials) Monitoring
• National Provider Identifier
Number
• Telecom AcccuntApplications
• Rent -to -Own Applica tions
• Buy Here/Pay Here Auto Loans
• Auto Pawns/TitlePavvns
• Enhanced Sub -Prime Loans
• GamerTags(upto1O)
IDShield monitors the Internet for instances where a participant's username and password credentials have been
exposed. When these are found togetheronline, it presents a strong indication that theironline accounts have been
compromised. Theservicecontinuouslyscans for a participant's usemame/password combinations and w i I I alert the
participant with details sothey can follow up andchange their login information on any accounts thatuse theexposed
credentials.
Identity Threat Alerts
Participants receive an alertvia email or push notification on the IDShield mobile app if their information is found
online. Alerts contain details on the threat, including links to where the exposureoccurred—giving participants the
opportunity to look overthe information to either dismiss the notification or escalate the issue with our Licensed
Private Investigators.
Credit Threat Alerts
IDShield monitors for changes or updates found on the participant's credit report(s) in real time. We pull data from over
200 million files that represent nearly every credit active consumer in the United States.
Application Alerts
Forcertain types of account applications, third parties will take participants' Information, compare it to public records
and return a fraud score. IDShield scans a national ID verification database to determine if a new accduntapplication
has been submitted with participants' information. We continuously monitor to see if any new accountsor transactions
appear.
Instant Hard Credit Inquiry Alerts
Credit report inquiries are created when a participant's PII is used to apply for bank/credit cards, utility or rental query
or many types of loans —including home, auto, business, mortgage, homeequity or student loans. IDShield notifies
participants when their information appearson these reports, empowering them to take action if their data has been
exposed by reviewing the alert with an investigator.
Continuous Credit Monitoring
Participants have access to continuous 38 credit monitoring underthis plan. Lenders, creditors and many businesses
check and submit data to go on credit reports. If changes or inquiries are made, participants will receive an instant alert.
IDShield continuously monitors the participant's credit bureau report(s) for the following:
• Delinquent Account
• New Address
• NewTradeline
• Settlement
• CardOverLimit
• Lost or Stolen Card
Monthly Credit Score Tracker
• Participant Noted as Deceased
• Fraud or Victim Statement
• Bankruptcy
• Liens and]udgements
• New Employment
• New Collection
The credit score tracker gives participants the ability to watch theirTransUnion credit score on a monthly basis with a
map that shows a 12-month historicview of their credittrends from the pastyear— beginning when the service was first
activated.
Financial Account Monitoring and Alerts
IDShield monitors partcipants'financial accounts including creditcards, checking, savings, 401k accounts, loans and
moreforany discrepancies. Participants will receivealertsnotifying them of financial withdrawals, balance transfersand
large purchases on financial accounts, if a transaction is made outside of a set monetary amount.
High Risk Application and Transaction Monitoring
Financial institutions use specific technology to verify the identity of new account holders before processing high-
risktransactions. IDShield monitors these processes to determi ne if details fora new bank accountor large money
transfer are associated with a participant's personal data. Ourapplication and transaction monitoring can Potentially
catch identity theft90 days faster than traditional credit monitoring alone. Furthermore, IDShield can bettersecure a
participant's online financial records bymonitoring unauthorized useofusemame and password combinations used for
online banking or insurance accounts. This service monitors processes related to:
• Instant Credit Applications
• Financial Account Updates
• Credit Line Increases
• Money Transfers
• Activity on New Accounts
Public Records Monitoring
• Customer PaymentActivity
• Online W-2Access
• Online PrescriptionManagement
• Fund Transfers
IDShield monitors over 78 billion public record reports from more than 10,000 diverse sources to screen for 34
differentpiecesof PII—including name, address, phone number, email, SSN and more. The records contain the public,
private and regulated data of over 283 million U.S. consumers which are checked for matchesof participant information.
These reports include details on:
• Bankruptcy • Tax AssessorRecords
• Motor Vehicle Records • Residencies
• Driver's License Records • Lease History
• Criminal Records • Registrations
• Business Licenses 0 Deeds
Court Records Monitoring
IDShield can determine if participant's identity is associated with a criminal act by monitoring court records connected
to their name, SSN and date of birth. Criminals can fraudulently use stolen identities, causing the victim's information
tofalsely appearon citations, arrest records, felonies, traffic offenses and convictions. IDShield monitors millions of
dockets from the Administration of the Courts, the Department of Corrections, county courts and other legal agencies
in search of participant data. If a match is found, the participant will receive an alert with the details.
Payday Loan Monitoring
IDShield provides non-creditloan monitoring forshort-term paydayorsimilar cash advanceloans. Wescreenonline,
rent -to -own and payday lender storefronts for unauthorized activity.
Telecom Monitoring
IDShield monitors phonenumberhistoryassociatedwith an individual, as well as any phonenumberchangeswith a
database of more than 1.2 bi Ilion landlines and mobile phones to assure participants thattheir phone number is not
being redirected.
Address Change Monitoring
IDShield monitors participants' address history in the United States Postal Service through the National Change of
Address database, providing an 18-month snapshotofthenearly 40 million Americanswho move each year.This service
scans for change of address requests and sends a notification if participant information appears in the database.
Child Monitoring
With the IDShield Family Plan, well monitor up to 10 dependent children under the age of 18. Participants receive an
alert if theirchild's SSN is used to create any new accounts or included in credit applications, loans, court documents,
etc.
Sub -Prime Monitoring
Sub-primemonitoringsearchestransaction datafor rent -to -own, buy -here pay-hereautodealers, titlepawnand sub -
prime loan applications, Participants will be notified when new transactions are discovered.
Death4ndex Monitoring
IDShield searches the National SSN Death Index and wi II send an alertif the participant's information is found in the
database.
Sex Offender Monitoring and Alerts
Participants can learn if a registered sex offender lives near them. Theyll also receive alerts when a new offender
moves into their neighborhood, outof their neighborhood or if someone in their neighborhood becomes registered.
Participants can search within a five -mile radius of their home address.
With sex offender search participants can:
• View sex offender details,
• Search using an adjustable radius of their home address.
• Receive alerts when a sex offender moves nearby.
Online Privacy and Reputation Management
Reputation Management
IDShield's reputation management service allows the participantto scan theirsocial media accounts includ i ng Facebook
and Instagram for existing content thatcould be damaging to their online reputation. Participants wi II be notified of old
accounts, high -risk posts and images, and will have the ability to review and the choice to remove Flagged contentfor
their personal accounts. IDShield'sfamily plan provides this service to both the participant and the participant's spouse.
Reputation Score
A reputation score is provided based on content and photos found on scanned social media accounts. Tips to improve
the participant's score are provided along with social postsand photos thatwere Flagged as part of the scan. Participants
will have theoption to review flaggedcontent and remove content from their personal accounts to improve their score.
VPN Proxy One
IDShield's Virtual Private Network (VPN) Proxy One from Trend Micro, utilizes bank -grade data encryption to prevent
a participant's Incoming andoutgoing internet trafficfrom being tracked, hacked orcensored. It turns a public hotspot
into a secure Wi-Fi. The IDShield individual plan provides protection for up to three devices and the family plan provides
protection for up to 15 devices.
SystemItequirements: Windowsopera11ng5ystem: Mkxosoft010R53andabove, Mac Operatng Systems: ApplevmacOS 10.12andatgve,ArdfoidOperacing Systems: Andred S.x
andabove, i050perabng Systems: lOS9.X andabove.
Anti-Malware Protection
IDShield's maximum security protection from Trend Micro, uses cloud -based Al technology to deliver highlyeffective
and proactive protection against ever -evolving malware infections.
andmac0511
Password Manager
IDShield's password manager fromTrend Micro, allows participants to create strong and unique passwords and
safelysecurethem. The password managercan identifyweak passwordsandchange them with unique, tough to hack
passwords.
System Requirements: WrdowsOperatingSystems: Mlc oWft0 Wirdows97(allversions),vatl sarvua Pack I (SP 1)p1ater,Microsoft.$Windows38.1(atIversions). MrrosoRd
Windows@ 10 (all versions). Etlgebrowsernotsupported-Mac0peradr 9Systens: AppleRmX0SIO.12to 10.14,AndmidOperating Systems:AMmd SA orater.iOS: i05I1.Oor
later. 64-bit devices lred for latest version.
Mobile Security
IDShield's mobile security from Trend Micro, provides protection from ransomware, potentially dangerous and harmful
websites, unsafe Wi-A networks, and more.
System Requirements: Android operating Systems: Android 4.1 or later. 105 Operatng Systems: i05 I I or later. lPad(7S 134 o, later. 64-bit device required for latest version.
Online Parental Controls
IDShield's maximum security protection from Trend Micro allows participants to set parental controls, content filters to
monitor and block whatweb pages can be viewed, and schedule specific timeframes forwhen theirchildren can browse
the web.
System Requirements: Windows Opera0 Systems:Miaow"WindowrA7(a0versiuns)wiU Service Park 1(SP1)or later, Mivosoft3Widowst 81(all w Jars), Mkrooft<p
Windows@ 10(Windows 105 andARM processors only supported by IDShield Endpoint Anti-Maivareon MiclosoftR Store). Mac Operating Systems: AppleV nacOS 10.14to 1015
Operating Systems: Android 4.1 orlater. IOSOperi tinq Systems: 105901later.64-bddevi eregtzred for
Data Broker Site Management
IDShield's password managerallows participants to createstrong and unique passwords and safely secure them. The
password managersecurely communicates with browsers to enter passwords from saved accounts. Before any data is
sent, weconfirm thatthe browser has been signed with a code signing certificate from the manufacturer. If a phishing
link takes the participant to a sitethat looks similarto oneof theirsaved accounts, the password managerwill not enter
intheir passwords, helping the participantto avoid phishing schemes. Toaccess this password manager pa rtidpants
wi II be asked to create a Master Password and they also will have the ability to use 2-factor authentication as well as
biometrics tolog-in.
Online Privacy Setting Management
Our reputation service allows partid pants to control theirprivacy settings across platforms such as Snapchat, TikTok,
Venmo, Instagram, among others.
Social Media Monitoring
IDShield monitors participant's Facebook, Twitter, YouTube, LinkedIn and Instagram accounts to see if personal
information has beenexposedthrough imagecaptions, posts and comments. Participantswill be notified iftheirsocial
contentpresents reputational riskssuch asfoul language, drug references ordiscriminatoryterms. Participants can
control the sensitivity level of their alerts based on options chosen in their account settings -including categories for
profanity, violence and more.
IDShieid's family plan allows both the participant and the participant's spouse as well as theirdependent children under
the age of 18 to also monitortheir social media accounts.
Cyberbullying Protection
Ifanycovered participant isbeing bullied, onlineorface-to-face, wewill connect them to local agencies/authorities,
school administrators andcounselors and provide guidance on howto navigate the situation and reduce the impactof
bullyingon the victim.
Online Privacy Management
IDShield provides consultation and guidanceon ways participants can protect their privacy and personally identifiable
information across the internetand on their smart devices. Ourcertifiedand licensed private investigators provide
unlimited consultation on how to switch toeasy-to-use and privacy-consciousalternatives to well-known softwaresuch
as Googlesearch, Gmail, Facebook, and Amazon. We will provide step-by-stepadviceand consultation to participants
on how to take control of theironline privacy by showing them how to:
• Delete unused online accounts
• Delete unused apps from their mobile phone
• Audit third-partyapp access to personal information
• Ensure their browser isn't tracking them
• Delete unused software on their computer
• Remove data from public records sites (Intelius, MyUfe, BeenVerified, etc.)
• Reset and recycle (or donate) unused devices (mobile, PC)
IDShield's identity theft specialists also provide anti/cyberbul lyi ng, password, and privacy management consultation for:
• Data broker sites (Spokeo, MyLife, etc.)
• Social media platforms (Facebook, LinkedIn,Twitter, Instagram and YouTube)
• Voice assistance devices (Alexa, Google, etc.)
• Online browsers (Brave, Ghost, etc.)
• SmartTVs
• Password managementservices
Consultation Services and Support Tools
Credit Freeze and Fraud Alert Assistance
IDShield's investigators will provide the partidpant assistance with placing a credit freeze and/orfraud alerton their
credit reports in the eventof a breach orother identity theft incident. If their identity is stolen, the LPI will issue fraud
alerts to all three credit bureaus and with reporting agencies and creditors as needed.
24/7 Emergency Assistance
In the eventofan identitytheftemergency, IDShield providesemergencyaccess to livesupport24/7, ensu ring
participants can get help right away.
Medical Data Report
Our site provides a link to sources of medical data reports. Participants can retrieve and review these reports for
inaccurate or fraudulent information.
Credit Counseling and Education
IDShield's identity theft specialists can provide one-on-one education to help participants understand thei rvaluable
credit rating and actions thatare likely to have an impacton theircredit score. They can also provide counseling on debt
management, financial budgeting, credit score health and more.
Solicitation Reduction
Reducing mail and phone solicitation helps lower the risk of thieves finding personal information to exploit. Our ident ty
theft specialists are available to provide advice and assistance to reduce the number of unsol icited offers for credit
cards and insurance participants receive.
Lost/Stolen Wallet Support
Losing a wallet can be stressful, but our investigators arethere to assist. We offerguidance to determine what may have
been stolen and provide supportfor any resulting identity theft.
Language Support
IDShield's investigators can provide language support in English, Spanish and French.
Live Member Support
IDShield's Licensed Private Investigators and MemberServices'team isavailablefrom 7a.m.-7p.m. CT Monday -Friday.
Identity theft specialists are also available 24/7 for an identity theft emergency.
IDShield Mobile App
The IDShield mobileapp makes iteasy for partici pants to access their benefits. Participants can view their alerts and
add/edit their monitored information directly via the app.
Features include:
• Push notification for identityand • Direct access to identity theftspecialists
credit threatalerts • 24/7 emergencyassistance
• Monthly credit score tracker
IDShield isa productof Pre -Paid Legal Services, Inc. d/b/a LegalShield("LegalShield"). LegalShield providesaccesstoidentity
theft protection and restoration services. IDShield plans are available at individual or family rates, A family plan provides
monitoring services for up to ten (10) eligible dependent children under the age of 18 of the Named member or Named
Member's spouse ordomestic partner. Consultation and Restoration Services for eligibledependent children under the age
of 26 and eligible dependentadult parents. Forcomplete terms, coverage, and conditions, pleaseseean identity theft plan.
All Licensed Private Investigators are licensed in the state of Oklahoma. An Identity Fraud Protection Plan ("Plan') is issued
through a nationally recognized carrier. LegalShield/IDShield is notan insurance carrier. This covers certain identity fraud
expensesand legal costs asa result of a covered identity fraud event. See a Plan forcomplete terms, coverage, conditions,
limitations, and family members who areeligibleunderthe Plan. Fora summary description of benefits for the Plan coverage
see https://idshield.cloud/summary-of-benefits.
The following items are not covered with the IDShield service:
Legal Remedy - Any Stop Identity Event where the Member is unwilling or unable to prosecute or otherwise bring a civil or
criminal daim against any person culpable or reasonably believed to be culpable for thefraud or its consequences.
DishonestActs-Any dishonest, criminal, maliciousor fraudulent acts, if theMember(s) thatsuffered the fraud personally
participated in, directed or had knowledge of such acts.
Financial Loss -Any director indirect financial losses attributa ble to the Stolen Identity Event, including but not I imited to,
money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or directly.
Business -The theftorunauthorized or illegal useof any business name, DBA oranyother method of identifying business (as
distinguished from personal) activity.
Third Parties not Subject to U.S. orCanadian Law - Restoration services do not remediate issues with third parties not
subjectto United States orCanadian law that have been impacted by an individual's Stolen Identity Event, such asfinarxda I
institutions, government agencies, and other entities.
Marketedby: Pre -Paid Legal Services, Inc di LegalShleld®andsubsidiaries; Pre -Paid LegalCasualty,Inc.; Pre -Paid Lega I
Access, Inc.; LS, Inc.; In VA: Legal Service Plans of Virginia; and PPL Legal Care of Canada Corporation
NOW ERED BY LEGALSHIELD