How it Works

Enroll

Sign up today for an individual or family plan, so you can guard yourself and your loved ones from identity theft. Next, look for your Welcome Email, which verifies your account and provides your website access credentials with access to resources like your member benefits handbook, Emergency Response Kit, and your personal identity theft protection dashboard.

Connect

Connect the specific information you want monitored, such as your credit cards and social security number, with your dashboard. We proactively search for misuse of this information across 250 billion data points on the web. With the Safe Wallet feature, store your cards and contact info in a safe place so replacing them is easy, if your wallet or purse is stolen.

Control

Through your dashboard, take the security assessment where you can view your identity risk. Take control of your identity by addressing alerts for suspicious activity concerning your personal information, viewing your credit score and credit report, and stay up to date on identity theft protection news and trends. Feel in control with best-in-class support.

Features


Privacy Policy

Our Commitment to your Privacy

Last updated: May 8, 2015

This privacy policy discloses the privacy practices for CLC Incorporated (CLC) ID Protect.

We use the terms 'you' and 'your' to include any person who accesses the sites or purchases any product or service offered on the sites(the 'Services') for any amount of time. We use the terms 'we,' 'us,' and 'our' to refer to CLC Incorporated (the 'Company'), which owns and/or operates this website, and our employees, members, officers, partners, affiliated entities, representatives, attorneys, and agents.

We understand how important your privacy is to you, so we are committed to ensuring your privacy. This page outlines all of the steps we take to protect your privacy and what we do with your information that you provide to us through our website.

Protecting your information

We use SSL-encryption technology when transferring and receiving consumer data on our and our affiliates' websites to protect your personal information. We have partnered with VeriSign or other equally reliable encryption services to protect against the loss, misuse, or alteration of information that we have collected from you. The servers that we store personally identifiable information on are kept in a secure environment. However, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your Personally Identifiable Information, you acknowledge that there are security and privacy limitations of the Internet which are beyond our control; the security, integrity, and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed; and any such information and data may be viewed or tampered with in transit by a third party. We make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information.

What information do we collect?

In order to provide you with our services, we collect two types of information about our users: Personally Identifiable Information and Non-Personally Identifiable Information.

Personally Identifiable Information:

This refers to information that lets us know the specifics of who you are. When you engage in certain activities on this site, such as registering for a membership, ordering a product or service, or sending us feedback, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including zip code), email address, telephone, and and other personally identifiable information. When ordering products or services on the site, you may be asked to provide a credit card number. Depending upon the product or service, if you do not provide the requested information, you may not be able to obtain the product or service you want. You should be aware that if you enter any personal information during the information request process and then hit the 'continue' or any other button on that page, the information you have entered will be transmitted to us, even though you may not complete the process on subsequent pages.

Non-Personally Identifiable Information:

This refers to information that does not by itself identify a specific individual. We gather certain information about you based upon where you visit on our site in several ways. This information is compiled and analyzed on both a personal and an aggregated basis. This information may include the website's Uniform Resource Locator ("URL") that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol ("IP") address. A URL is the global address of documents and other resources on the World Wide Web. An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks like the Web use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the web, allowing web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet.

How do we use information we collect?

We will use Personally Identifiable Information to enhance the operation of our site, fill orders, improve our marketing and promotional efforts, statistically analyze site use, improve our product and service offerings, and customize our site's content, layout, and services. We may use Personally Identifiable Information to deliver information to you and to contact you regarding administrative notices. We may also use Personally Identifiable Information to resolve disputes, troubleshoot problems, and enforce our agreements with you, including our Site Terms of Use, Sales Terms and Conditions, and this Privacy Policy. Your information may also be used by us or by third parties to whom we transfer it to provide the products or services you have requested.

When you use our site we will store cookies on your computer in order to facilitate and customize your use of our site. A cookie is a small data text file, which a website stores on your computer's hard drive (if your Web browser permits) that can later be retrieved to identify you to us. The cookies make your use of the site easier, make the site run more smoothly, and help us to maintain a secure site. You are always free to decline our cookies if your browser permits, but some parts of our site may not work properly in that case.

We may use an outside ad serving company to display banner advertisements on our site. As part of their service, they will place a separate cookie on your computer. We and our third-party ad server may collect and use Non-Personally Identifiable Information about you, such as your IP address, browser type, the server your computer is logged onto, the area code and zip code associated with your server, and whether you responded to a particular ad.

With whom do we share your information?

We and such third parties use your Personally Identifiable Information to operate our sites and to deliver their products and services. For example, we must release your credit card information to the card-issuing bank to confirm payment for products and services purchased on this site; release your Personally Identifiable Information to the third party that will provide the products or services that you ordered; and provide order information to third parties that help us provide customer service. We will encourage our service providers to adopt and post privacy policies. However, the use of your Personally Identifiable Information by our service providers is governed by the privacy policies of those service providers, and is not subject to our control.

We may also provide Non-Personally Identifiable Information about our customers' sales, traffic patterns, and related site information to third-party advertisers, but these statistics do not include any Personally Identifiable Information.

Occasionally we may be required by law enforcement or judicial authorities to provide Personally Identifiable Information to the appropriate governmental authorities. We will disclose Personally Identifiable Information upon receipt of a court order, subpoena, or to cooperate with a law enforcement investigation. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful.

We also allow some of our employees and independent contractors access to both Personally Identifiable Information and Non-Personally Identifiable Information to enable us to assist us with our business and provide the services and products that we offer to you. We endeavor to have all such employees and contractors sign nondisclosure or confidentiality agreements with us in order to protect your information.

Privacy Policies of Third Parties

When you sign-up for services through our site, keep in mind you will be interacting with a third party that operates under its own privacy and security policies. Except as otherwise discussed in this Privacy Policy, this document only addresses our use and disclosure of information we collect from you. Other sites accessible through our site, and companies to whom your information is transferred, have their own privacy policies and data collection, use, and disclosure practices. Please consult each site's privacy policy. We are not responsible for the policies or practices of third parties. Additionally, other companies that place advertising on our site may collect information about you when you view or click on their advertising through the use of cookies. We cannot control this collection of information. You should contact these advertisers directly if you have any questions about their use of the information that they collect. You should also be aware that unsubscribing from us will not automatically unsubscribe you from third parties.

Updating your account information

Corrections or updates to your account information, including your mailing address or credit card information, can be made through the 'Profile' section of your account. If necessary, other corrections or updates to your information can be made by contacting a customer care representative at the Company.

Business transitions

As we continue to develop our business, we might sell or buy assets. In such transactions, customer information (both Personally Identifiable and Non-Personally Identifiable Information) may be one of the transferred business assets. Also, in the event that we, or substantially all of our assets, are acquired, such customer information will be included within the transferred assets.

California Customers

During enrollment in the Services offered by the sites, we may ask for your permission to receive offers from the Company and/or third parties. Should you give your permission initially but no longer wish to receive our offers, then follow the process outlined in the below section by unsubscribing. If you receive offers from third parties, we recommend following those third parties’ instructions to unsubscribe. Lastly, California residents have the right to know how we respond to web browser “Do Not Track” signals or other mechanisms. We do not respond to such signals or other mechanisms at this time.

Opting out

If you no longer wish to receive our newsletters or promotional offers, you may "opt-out" of receiving these communications by opting-out on our unsubscribe page.

Changes to our policy

We may find it necessary or be legally obligated to update this Privacy Policy from time to time, so please review it frequently. When we do, we will post those changes on this page and update the effective date so that you are always aware of the information we collect, how we use it, and under what circumstances we disclose it. You acknowledge that this Privacy Policy is part of our Site Terms & Conditions, and by accessing or using our site, you agree to be bound by all of its terms and conditions. If you do not agree to these terms, please do not access or use this site. You acknowledge and agree that it is your responsibility to maintain a valid email address as a registered user, review this site and this Policy periodically, and to be aware of any modifications. Your use of the site after such modifications will constitute your acknowledgment of the modified Policy; and agreement to abide and be bound by the modified Policy.

Miscellaneous/Contact Information

You must be at least 18 years old to use this site. We do not knowingly collect, use, or disclose Personally Identifiable Information about visitors who are under 18 years of age.

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us by email at idtheft@clchomeoffice.com or by mail at:

CLC Incorporated
Attn: Identity Theft
3001 Lava Ridge Court, Suite 250
Roseville, CA 95661

The team is available to answer your questions via phone 5 days a week. Live representatives are available at (800)706-5749 during the following hours:

Monday through Friday, 8AM to 5PM PST

Other Internet Privacy Resources

We invite you to learn more about your privacy rights on the Internet. The following resources provide an array of information and services you might find helpful and informative. Electronic Privacy and Information Center (EPIC): EPIC is a public interest research center in Washington, DC. Established in 1994, EPIC works in association with Privacy International, an international human rights group based in London, and is a member of the Global Internet Liberty Campaign and the Internet Privacy Coalition. The Federal Trade Commission (FTC): The Federal Trade Commission enforces a variety of federal antitrust and consumer protection laws. The commission works to enhance the smooth operation of the marketplace by eliminating acts or practices that are unfair or deceptive. National Fraud Information Center (NFIC): The National Fraud Information Center is a project of the National Consumers League, America's oldest nonprofit consumer organization. NFIC helps consumers report fraud and offers advice on how to avoid being victimized. The Privacy Rights Clearinghouse (PRC): PRC provides consumers with valuable information on protecting their personal privacy.



Terms & Conditions

Acceptance of Terms

Last updated: May 18, 2015

CLCIDPROTECT™ is a product of CLC Incorporated ("the Company"), which provides its services to you, subject to the following Terms & Conditions, which may be updated periodically without notice to you. You can review the most current version of the Terms of Service at any time on the Company's website at www.CLCIDPROTECT.com/#/terms.

When using CLCIDPROTECT™, you shall be subject to any guidelines or rules applicable that may be posted periodically on the CLCIDPROTECT™ website. You understand and agree that violation of local, state, or federal laws, or the Company's or Third Parties' established policies and procedures might result in the immediate termination of this agreement at CLC Incorporated's sole discretion.

Please be aware that you must be at least 18 years of age to use CLCIDPROTECT™.

Description of Service

CLCIDPROTECT™ provides public record information ("the Service") using a variety of personal information suppliers, technologies, and public information databases ("Third Parties").

You hereby authorize and instruct CLCIDPROTECT™ to act as your agent by accessing and using any available online searchable databases on your behalf for the purpose of obtaining and gathering personal information about yourself for your use and benefit, and to request removal of your personal information from certain databases if you direct CLCIDPROTECT™ to do so.

The public information that CLCIDPROTECT™ obtains is delivered via the Internet by a digital dashboard that contains alert flags and nationwide public record information that is obtained from Third Parties, as well as proprietary databases and derived information.

Unless explicitly stated otherwise, any new features that augment or enhance the current Service — including the release of new CLCIDPROTECT™ services — shall be subject to the Terms & Conditions.

You hereby authorize CLCIDPROTECT™ to communicate with you with routine status update emails, monthly emails, alert emails, and with information about other privacy and security products.

Credit Card Acceptance

If you choose to use a credit card as your payment, you accept and agree to these Terms and Conditions:

CREDIT CARD PAYMENTS. By choosing to use a credit card as your payment method for CLCIDPROTECT™, you will be able to complete your purchase using any valid Visa, Master Card, American Express, or Discover account. Whenever you choose to pay for an order using your credit card, you are authorizing CLCIDPROTECT™ to charge your credit card for the total amount of your purchase, which includes monthly charges or other recurring charges. To complete your transaction, CLCIDPROTECT™, or an agent acting on its behalf, will create a credit card charge equal to your "Purchase Total", which will be presented to your credit card account. Your transaction must be payable in U.S. dollars. CLCIDPROTECT™, in its sole discretion, may refuse this payment option service to anyone or any user without notice for any reason at any time.

ELECTRONIC SIGNATURE. By choosing your credit card as your payment method, you agree that:

  • you have read, understand, and agree to these Terms and Conditions, and that this agreement constitutes a "writing signed by you" under any applicable law or regulation;
  • you consent to the electronic delivery of the disclosures contained in these Terms and Conditions;
  • you authorize CLCIDPROTECT™ (or its agent) to make any inquiries considered necessary to validate your dispute, which may include ordering a credit report and performing other credit checks, or verifying the information you provide against third-party databases, and
  • you authorize CLCIDPROTECT™ (or its agent) to initiate one or more credit card charges for the specified amount(s).

RETURNED PAYMENTS. If any of your payments are returned unpaid, CLCIDPROTECT™ reserves the right to charge you an insufficient funds fee of twenty-five dollars ($25.00).

CUSTOMER SERVICE. All questions relating to CLCIDPROTECT™ orders or any payments made using your credit card should be directed to us, and not to your credit card company that holds your account. CLCIDPROTECT™ 1-800-706-5749 will show up on your credit card descriptor. You may contact us regarding your CLCIDPROTECT™ order or any payments made using your credit card by calling us at 1-800-706-5749, or emailing us at idtheft@clchomeoffice.com.

ERROR RESOLUTION POLICY. If you believe that any payment transaction initiated by CLCIDPROTECT™ (or its agent) with respect to your credit card is erroneous, or if you need more information about any such transaction, you should contact us as soon as possible by telephone or e-mail using the telephone number or email address provided in these Terms and Conditions. In any event, we must hear from you no later than 90 days after the date the questionable transaction FIRST appeared on your credit card account statement. When you contact us, provide us with the following information:

  • your name and the email address associated with your CLCIDPROTECT™ customer account,
  • a description of the error or the payment you are unsure about, and a clear explanation as clearly as you can why you believe it is an error or why you need more information,
  • the dollar amount of the suspected error,
  • the transaction date and associated transaction identification number from your credit card account statement,
  • a telephone number at which you can be reached in case we need further information,
  • the telephone number of the credit card company, and
  • that portion of your credit card account statement containing the CLCIDPROTECT™ transaction information (if requested).

If you provide us with this information orally, we may require that you send us your complaint or question in writing within ten (10) business days. A "business day" means Monday through Friday, excluding federal banking holidays. We will attempt to determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, and your inquiry or complaint involves any amounts charged to your credit card account, we may transmit a provisional refund to your credit card account for the amount you think is in error; so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not grant provisional credit of the disputed amount. We will tell you the results of our investigation within three (3) business days after its completion. If we determine that there was no error, we will send you a written explanation, and we may, and you authorize us to, charge your credit card account for the amount of the provisional credit. You may ask for copies of the documents used in our investigation.

OUR LIABILITY. If we fail to charge your credit card account in accordance with these Terms and Conditions, in the correct amount, we may be liable for certain losses directly caused by our failure as the law may impose in such cases. However, there are some exceptions. For instance, we will not be liable where:

  • your credit card returns as insufficient funds;
  • your credit card account is closed or charges restricted;
  • any terminal or system was not working properly and you were advised of that before you initiated the payment;
  • circumstances beyond our control (such as flood, fire, power outages, mechanical or system failures);
  • your instructions are lost or delayed in transmission to us;
  • a reasonable security concern, such as unauthorized use, causes us not to honor your instructions;
  • this payment option has been discontinued or suspended;

If our error was unintentional and resulted from a bona fide error, our liability is limited to actual damages, which shall not to exceed the total sum of those charges deducted from your credit card account in error.

Cancellation and Refund Policy

Your membership will renew automatically until cancelled by you. The renewal fee and the manner of renewal payment is set forth in the terms of your offer and is subject to change. the membership fee is set forth in the terms of your offer. If you have enrolled in the services directly with CLCIDPROTECT™, to terminate your enrollment in or use of the protection programs and/or monitoring services, you must call 1-800-706-5749 or cancel through your member portal; to cancel any other services, you must do so by calling CLCIDPROTECT™ at 1-800-706-5749 or terminate the service in another manner as instructed through the service. If you have enrolled in any of the services via a third party, you must terminate your enrollment in the services with that party.

For any cancellations, the following rules apply:

DEFINITIONS

Billing Day: The same day each month as the enrollment date. For example, if the enrollment date = June 5, the billing day in subsequent months = July 5, August 5, September 5, and so on.

Billing Month: A one-month period that commences on the billing day and ends on the day before the next billing day. For example, if the enrollment date is June 5, the billing months would be as follows:

  • Billing month 1 = June 5 - July 4
  • Billing month 2 = July 5 - August 4
  • Billing month 3 = August 5 - September 4
  • And so on...

Billing Period: The period of time that corresponds with your billing frequency:

  • Monthly = 1 billing month
  • Annually = 12 billing months

RULES

You may cancel your membership at any time. You will continue to receive full identity theft benefits for the remainder of the billing period during the billing period in which the cancellation notice is received by CLCIDPROTECT™. Your membership will end on your next billing day at the end of the billing period in which we received your cancellation notice. No partial refunds. If you signed up as part of a promotional offer, you may request your promotional fee back only if you cancel within your trial period.

Newsletter

CLCIDPROTECT™ may give website visitors the option of subscribing to an identity theft newsletter distributed by CLCIDPROTECT™. That newsletter does not sell or rent the email addresses, but it does accept advertising for distribution to the mail list. You may opt-out of the newsletter by using the unsubscribe link on any newsletter.

Registration Obligations

You understand and agree that by using the Service you are responsible for paying the Company its applicable rates.

You understand and agree that along with the services that CLCIDPROTECT™ provides, you may also receive certain communications from the Company, such as service announcements, administrative messages, and newsletters. You understand that these communications are considered a part of CLCIDPROTECT™ membership and you will not be able to opt-out of receiving them.

You understand and agree that in order to use the Service you must be of legal age to form a binding contract, that you are not barred from using the services that CLCIDPROTECT™, including CLCIDPROTECT™, provides under the local, state, and federal laws, or other applicable jurisdictions.

You also understand and agree that when using the Service you will provide true, accurate, current, and complete information about yourself, and that you will maintain and update your personal information to ensure that it is true, accurate, current, and complete.

You understand and agree that if you provide any information that is untrue, inaccurate, not current, or incomplete that CLCIDPROTECT™ has the right to immediately suspend or terminate your account and refuse any and all current or future use of the Service.

You understand and agree that your Service subscription will automatically renew at the end of the predetermined time period (monthly or yearly), unless you contact us to cancel your account. Your subscription fee will remain the same.

Member Account, Password, and Security

You understand and agree that you will receive account login information upon registering on the CLCIDPROTECT™ website. You are responsible for maintaining the confidentiality of the password and your account information, and are fully responsible for any and all activities that occur under your password or account.

You agree to notify CLCIDPROTECT™ immediately of any unauthorized use of your account or any breach of security. You also agree to ensure that you will log out of your account at the end of each session.

You also understand and agree that CLCIDPROTECT™ or the Company is not liable for any damage or loss that results from your failure to comply with the Terms & Conditions.

Member Conduct

You agree and understand that you will not use the Service to obtain information about a person other than yourself or your minor (under 18 years of age) legal dependents. You understand and agree that this service is for researching your own information.

You also understand and agree that if CLCIDPROTECT™ or the Company has reasonable grounds to suspect that you are trying to obtain information about someone other than yourself, it has the right to suspend or terminate your account, and refuse any and all current or future use of the Service.

Performance

You understand and agree that the Service CLCIDPROTECT™ provides is "AS-IS," and that CLCIDPROTECT™ assumes no responsibility for the timeliness, deletion, failed delivery, or failure to store any information obtained or distributed via the CLCIDPROTECT™ website.

You understand and agree that since CLCIDPROTECT™ and the Company obtains data from Third Parties that the information may, or may not be, completely thorough and accurate. You understand and agree that not all transactions, including those that might entail the potentially fraudulent use of a customer’s information will be monitored and the scope of the network utilized by us to provide alerts may change. You shall not rely upon CLCIDPROTECT™ for the accuracy or completeness of information supplied in using the Service.

Financial Coach’s and Fraud Resolution Specialist’s (Frs) Professional Judgment

The Financial Coaches and FRS will provide objective and independent financial coaching and ID theft recovery advice to the best of his or her ability and cannot guarantee the actual outcome of the recovery process. Any identity fraud or incident that was discovered or should have been discovered by the covered member prior to the effective date of service is not eligible for fraud recovery services. In addition, if the Financial Provider or FRS makes the decision that it is not in the best interests of CLC to advise/pursue a matter/claim on behalf of the member, then all services may be immediately terminated at the sole discretion of the Financial Coach or FRS. The FRS reserves absolute discretion to cease representation, as agent under the Limited Power of Attorney, if in the opinion of the FRS the member is not an actual fraud victim or is pursuing a non-productive course of action to resolve ID theft claims and issues arising therefrom. This withdrawal discretion includes the abuse of the FRS relationship to avoid what the FRS determines may be a legitimate claim.

Liability / Warranty

Neither CLCIDPROTECT™ and the Company (nor CLCIDPROTECT™ 's data providers / Third Parties) shall be liable for any loss or injury that may arise out of the Company's acts or omissions, whether negligent or otherwise, in obtaining, distributing, compiling, collecting, interpreting, reporting, communicating, or delivering the Service.

By using the CLCIDPROTECT™ website, you understand and agree that every business decision involves assumption of a risk, and that CLCIDPROTECT™ and the Company does not underwrite that risk in any manner whatsoever.

You also understand and agree that in no event shall CLCIDPROTECT™ be liable for any incidental, indirect, or consequential damages, however arising, incurred from receipt or use of information delivered hereunder, or the unavailability thereof.

The CLCIDPROTECT™ service is provided on an “as is” basis and, except as set forth herein, the Company expressly disclaims all warranties, guarantees and conditions of any kind whether express or implied.

Compliance

You understand and agree that these Terms & Conditions grant you a limited license in exchange for payment, and that you shall not reproduce, print, re transmit, republish, or otherwise transfer, any information received via CLCIDPROTECT™.

You also understand and agree that you are the end user of the information obtained by using the Service. You also agree that you are not accessing information via the Service on public figures, including names in the news, media personalities, political personalities, etc.

Fair Credit Reporting Act

You understand and agree not to use the Service for consumer credit purposes, consumer insurance underwriting, pre-employment purposes, tenant screening purposes, or for other purpose(s) covered by the federal Fair Credit Reporting Act (15 U.S.C Sec. 1681 et seq.) or similar statute.

Gramm-Leach-Bliley Act

You understand and agree to use the Service in strict compliance with the Gramm-Leach Bliley Act (U.S.C. Title 15, Chapter 94, Section 6801 et seq.) and similar state statutes, if applicable.

Guarantee

CLCIDPROTECT™ guarantees that the information we provide is obtained from a variety of the most accurate and reliable sources ("Third Parties") available to us.

Miscellaneous

COMPLAINT RESOLUTION: Should a member at any time have a complaint with or concern regarding the CLCIDPROTECT™ services, the member may call (800)706-5749 or send a written notice by email to idtheft@clchomeoffice.com or by mail to 3001 Lava Ridge Court, Suite 250, Roseville, CA 95661. The Plan Administrator will attempt to resolve the complaint within thirty (30) days or less of the notice. The member will be advised throughout the process of the steps being taken to resolve the matter, via telephone, email, or an acceptable means of communication to the member. The member expressly waives all matters of confidentiality for purposes of investigating and resolving any complaints or concerns.

BINDING ARBITRATION: In the event that any controversy or claim arises between the member and CLC Incorporated which is pursuant to the terms and conditions of this Agreement or pertains to services rendered hereunder which cannot be resolved by mutual agreement between the disputing parties, then such controversy or claim shall be submitted for settlement by binding arbitration in accordance with the then current rules of the American Arbitration Association as full recourse between the disputing parties.

The arbitrator(s) shall have the power to decide any dispute between the parties concerning the application or interpretation of this Agreement or the rendering of any service covered by this agreement. Any such decision rendered by the arbitrator(s) shall be final and binding upon all parties, but said arbitrator(s) shall have no power to change or add to the provisions of this Agreement. the location of the arbitration shall be Roseville, California. Prior to the beginning of the arbitration, each disputing party shall pay an equal share of the estimated cost of arbitration.

INTEGRATION: This Agreement represents the entire agreement between the parties and supersedes any advertisements, letters, articles, or written or oral statements, which predate or were made contemporaneously with this Agreement.

SEVERANCE CLAUSES: If any section is deemed null and void, such section shall be severed and shall not affect the validity of the rest of this Agreement.

Summary Description of Id Fraud Expense Reimbursement Coverage

This Agreement covers members whose plan does not include Identity Fraud Expense Coverage. This following summary is provided to inform members whose plan includes Identity Fraud Expense Coverage. If your plan includes Identity Fraud Expense Coverage, then you are entitled to benefits under the Certificate of Insurance. This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Certificate of Insurance. Your benefits will be subject to all of the terms, conditions, and exclusions of the Master Certificate of Insurance, even if they are not mentioned in this Summary. A complete copy of the Certificate of Insurance will be provided upon request.

The Master Policy (“Identity Fraud” Expense Coverage) has been issued to: CLC Incorporated (the “Master Policy Holder”) to provide benefits as described in this Summary.

IDENTITY THEFT FRAUD EXPENSE REIMBURSEMENT COVERAGE HIGHLIGHTS:

CLCIDPROTECT™ provides up to a total of $1,000,000* in Unauthorized Electronic Funds Transfers” (UEFT) reimbursement, which includes up to $25,000* in ID Theft Fraud Expense Reimbursement Coverage for certain expenses incurred in reclaiming the member’s identity, with a zero deductible.

CLCIDPROTECT™ Fraud Expense Reimbursement includes, subject to limitations:

  1. Lost wages as a result of time taken off from work to reestablish identity (up to $500 per week for a maximum of four weeks).
  2. Notary and certified mailing costs for completing and delivering fraud affidavits.
  3. Long distance phone calls associated with reporting an identity theft and/or reestablishing a victim’s identity.
  4. Attorney fees incurred (with prior consent) from the insurer for:
    1. Defending suits brought incorrectly by merchants, creditors, or collection agencies.
    2. Removing civil judgments and/or criminal convictions wrongly entered against the victim.

Unauthorized Electronic Funds Transfers (UEFT) reimbursement includes, subject to limitations:

  1. Unauthorized transfers from a member’s personal (non business) deposit account initiated by someone other than the member and without the member’s permission.
  2. UEFT covers personal checking, savings, and money market accounts, both inside and outside of retirement accounts.

Exclusions and Limitations

For more information on UEFT reimbursement and CLCIDPROTECT™ Fraud Expense Reimbursement coverage, and exclusions, please contact CLCIDPROTECT™ AT (800)706-5749. Coverage is provided under the Master Policy issued to CLC Incorporated.

Coverage is subject to all of the terms and conditions and limitations of the Master Identity Fraud Reimbursement Expense policy.

UEFT coverage specifically excludes certain accounts and acts. There is no coverage for business accounts of any nature. Members must have first sought reimbursement from the financial institution that issued access and held the funds that were stolen and from which the member has not received reimbursement from any source.

Filing a Claim

To file a claim under the Certificate of Insurance, call 1-800-706-5749, Monday through Friday between the hours of 6:00 am and 6:00 pm PST.

*Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.


ID PROTECT™ FAQs


Our Company

CLC ID PROTECT™ is administered by CLC Incorporated (CLC). Since 1986, CLC membership levels have grown to include more than 27 million households, and CLC has partnered with many of the nation’s largest health care organizations, financial institutions, state and federal governments and municipalities, as well as national associations. With its combined strength and over 28 years’ experience serving the needs of consumers, employees, and families, CLC has become the "leader in affordable identity theft protection, legal, and financial programs."


Our Team

The CLC ID PROTECT™ team is relentless in its mission to offer members best-in-class solutions with industry leading customer care. All staff is located under one roof, at our Northern California headquarters, where together we can manage a positive customer experience. Our team boasts an average experience of 18 years, and each member maintains multiple credentials, such as Fraud Resolution Specialist™, Certified Identity Theft Risk Management Specialist, Certified Credit Counselor, Enrolled Agent (IRS credential), and more.


Our Product

CLC ID PROTECT™ is a comprehensive identity theft protection program available for individuals and families. Our innovative approach to handling identity theft protection combines industry-leading, proactive monitoring services with connected services such as recovery help, legal assistance, and financial guidance.

Dealing with identity theft can be confusing, and knowing where to turn for help can be unclear. CLC ID PROTECT™ provides members’ peace of mind knowing that we scan over 250 billion data points for misuse of personal information, that they have a Fraud Resolution Specialist™ to assist them should they fall victim to identity theft, and that there is a team of legal and financial professionals available to speak to for legal representation or financial guidance should they need it.

With every day that passes, the threat of becoming an identity theft victim is more and more real. We are proud to offer CLC ID PROTECT™ to consumers and employees, and we stand behind our product — we hope you will, too.