Welcome to Identity Keeper
Designed to KEEP your Identity safe
by stopping the potential misuse of your ID information!
Protection is
prevention.
You’ve made
the right decision.
Thank you for joining Identity Keeper. Our goal
is to become your trusted partner, helping to protect you and your loved ones
from the devastating impact of identity theft.
During your 30-day RISK-
Law enforcement agencies agree that
the key to identity theft is the misuse of consumer address and billing
information.
You see the headlines almost every
day. Unsuspecting consumers are being targeted for and victimized by identity
theft from every conceivable angle – financial institutions, retailers,
mailboxes, post offices, the Internet, email, relatives, co-workers – and the
list keeps growing. You never know when it’s going to be your turn. Identity Keeper is
designed to minimize your exposure and stop the
potential misuse of your ID information.
It
won’t happen to me…
That’s what most people think, but
your everyday transactions reveal key personal information that can be used
without your knowledge to commit a crime. Protecting yourself from identity
theft is crucial and Identity Keeper is your
answer to staying one step ahead of the criminals.
Our goal is to become your trusted
partner, helping to protect you from the devastating impact of identity theft. Identity
Keeper is a
critical service for you to insure your identity is safe. If you have any questions about our program,
don’t hesitate to email service@identitykeeper.com
or
call
Sincerely,
Identity
Keeper Membership Service
Alarming Facts
The following facts are from the U.S. Federal Trade Commission Statistics
·
Over the last five years, identity theft
has impacted over 27 million Americans
·
Victims, who
discovered identity theft in the early stages, within the first month, spent
fewer than 10 hours resolving the related problems.
·
Only one in ten
victims report they were aware that their personal information had been taken
before discovering they were victims of identity theft.
·
Victims of
identity theft have reported that clearing their names and reclaiming their
identities can take an average of 44 months.
·
Most victims do
not learn about the theft of their identity until 14 months after is has
occurred.
·
One in six
identity theft victims has had their identity used by criminals when arrested
and charged with a crime
The following fact is from United
States Postal Inspection Service
·
Identity theft victims average 600 hours of
activity in attempts to clear their names.
For more information and
news about identity theft visit: www.identitykeeper.com/news.htm
Membership Benefits Overview
Identity
Keeper includes a unique four component
Identity Theft Complete Protection that alerts you to possible threats to your
identity and helps you manage the after effects of identity theft if you become
a victim. A detailed description of each
component and activation instructions will follow.
Identity Theft - Early Alert™
This innovative early
detection and warning system utilizes a proprietary system to provide
worry-free identity protection 24/7. We
scan over 1,500 data sources at various intervals. Identity
Keeper then notifies consumers of address
changes that typically signal an identity theft in progress.
Identity Theft Insurance
In the amount of $25K with a
$0 deductible, this benefit protects against the financial hardships associated
with identity theft such as costs to defend against collection suits for
falsely incurred debt, lost wages, other legal fees, and correspondence with
creditors. In addition to financial relief, policyholders have access 24/7 to
trained identity theft specialists to aid in the recovery process.
Identity Restoration
Step-by-step instructions for
restoring your identity along with access to trained specialists and services
vital to the recovery process. We give consumers the option to manage this
process themselves or to have us do it for them – further minimizing the hassle
involved. Our restoration services enable victims to regain their privacy with
minimal effort.
Online Newsletter
This monthly publication
educates consumers on various privacy issues as well as providing notification
of potential frauds or threats.
* Insurance underwritten by member companies of American
International Group, Inc. (
Identity Theft Detection and Warning System -
Early Alert™
The Problem
Identity theft is becoming a
crime of epidemic proportions. Last year nearly 10 million Americans were
victims of identity theft with losses totaling almost $53 billion and the
numbers are growing.
- Victims typically don’t
know they’ve been victimized until an average of nine months after their
information has been stolen.
- It takes an average of
600 and up to 44 months to correct problems associated with theft –
identifying exposure usage, credit damage, legal
- Non-financial exposure
such obtaining employment, home rental, tax fraud and other committed by
someone assumed your identity can in your going to jail.
The Solution
Identity Keeper’s Early
Alert™ is a powerful system that identifies potential misuse of your
identity before you become a victim.
The Benefits
Catching identity thieves early in the process
minimizes your time spent and money lost correcting any illegal actions the
thief has taken. Detecting a theft in progress within the first thirty days
usually results in less those 10 hours of work to repair.
Identity Keeper offers you piece of mind
knowing that if someone does try to assume your identity you’ll catch it before
it becomes an expensive, time consuming legal battle.
How it Works
Identity
Keeper’s Early Alert™ uses your
identifying information (name and address) to search over 1500 different data
sources at daily, weekly, bi-weekly and monthly intervals. Data sources
include, but are not limited to:
- All 3 credit bureaus
- Financial institutions
- Insurance groups
- Cell phone detail
- White and Yellow Pages
- Real property records
- Subscriptions
When address changes
associated with your ID information are detected, you’ll be immediately
notified by email, telephone and/or PDA, and through
your emergency contact number if one has been provided. If you have initiated
the changes you’ll do nothing. If you did not initiate the change, this is
your warning that someone is trying to assume your identity.
Enhanced Monitoring
Identity Keeper’s Early Alert™ also provides you with the option of updating your personal information for enhanced monitoring by providing us with more information about you. Obviously, the more we know the better we can protect you. Regardless of whether or not you update your information, you are protected with Identity Keeper.
Here’s how to set up Identity Keeper’s Early Alert™ for Enhanced Monitoring through our secure website.
Log into “Manage My Account” function on our secure website at https://identitykeeper.privacysolutions.com and update your account at any time by providing us with more personally identifiable information which will help us provide you with more protection. Just enter your group number and membership number as they appear in your Welcome Email along with your zip code. And click on the “Manage My Account” button.
Once your identity is confirmed and your confidential information is entered,
the Identity Keeper Early Alert™
System is updated for enhanced monitoring capability so that once any changes
to your address and/or telephone number are detected, Identity
Keeper’s Early Alert™ is able to issue a
warning by email, phone and/or PDA, and through a designated emergency contact
number if one has been provided.
To help curtail the devastating
financial impact identity theft can cause, Identity
Keeper includes a policy from a member
company of
The Problem
Should you become a victim of
identity theft, restoring your name and good credit is a time-consuming and
expensive process. You must endure a number of costly steps to dispute
fraudulent debts and accounts opened by an identity thief.
The Solution
Members of American
International Group, Inc. (
How it Works
Dedicated support
professionals that understand that identity theft is a traumatic, criminal
event are available 24/7 to assist you until your crisis is completely resolved.
In addition, an ID Theft Recovery Kit, complete with form letters to send to
creditors and bureaus, is provided to each identity theft victim. Coverage is
provided for lost wages as a result of time off work related to a stolen
identity event. This benefit also covers expense reimbursement. This includes
any expenses related to the recovery of your identity, including defense costs
for certain civil suits, re-filing for loans and reimbursement of fees.
* Insurance underwritten by
member companies of American International Group, Inc. The description herein
is a summary only. It does not include all terms, conditions and exclusions of
the certificates described. Please refer to the actual certificates for
complete details of coverage and exclusions. Coverage may not be available in
all jurisdictions.
$25,000 Identity Theft Insurance with no
Deductible
Identity Keeper partnerships provide extended protections. With the
inclusion of our insurance package, the services Identity
Keeper offers go well beyond protecting
your identity. We also protect you. By covering losses incurred by criminal
action as well as by absence from work and extensive legal fees, Identity Keeper makes the recovery process not only tolerable, but also
absolutely possible.
Identity Theft Recovery
The Problem
Identity theft is defined as a
crime in which someone wrongfully obtains and uses another’s personal data for
fraud, deception and typically, economic gain. As this problem reaches critical
levels, we’ve made identity protection a key component of Identity Keeper.
The Solution
Our identity theft recovery
package provides the information, strategies and assistance necessary to
maintain control of your identity. Regain and restore your privacy with our
comprehensive recovery package.
The Benefits
Identity theft goes well
beyond an invasion of privacy. It can burden you with lasting credit problems
and legal fees that may take years to resolve.
Our identity theft recovery
package puts you in control of your identity. By guiding you through identity
recovery, we will help you regain your privacy while minimizing risk and loss.
How it Works
Should you become a victim of
identity theft, Identity
Keeper’s Protection Services provides
education and recovery assistance materials including:
• Recovery Kit
An ID Theft Recovery Kit
complete with pre-written correspondence for creditors and bureaus is sent to
all victims to help you in the recovery process. This
step-by-step manual details the resolution process and provides guidance
for avoiding future complications.
• Restoration
Members may also choose the
option of a unique Identity Restoration Service that will take over the
identity recovery process. We give consumers the option to manage this process
themselves or to have us do it for them – further minimizing the hassle
involved. By assuming and reorganizing the recovery process on your behalf, Identity Keeper can save you time, money as well as the hassle and
headaches associated with clearing and restoring your identity.
• Victim Assistance
A toll-free, victim assistance
number providing access to trained specialists for:
- Support in notifying
credit bureaus, creditors, financial institutions, law enforcement
officers, utility providers and merchants.
- Information collection
regarding misuse of your accounts when appropriate.
- Creation and maintenance
of a case file documenting fraudulent activity.
* Insurance underwritten by
member companies of American International Group, Inc. The description herein
is a summary only. It does not include all terms, conditions and exclusions of
the certificates described. For questions about your coverage, please contact
idtheft@aig.com or call
Newsletter
Awareness is the first line of
defense against identity theft. For that reason,
Identity
Keeper provides a monthly e-publication
designed to educate you and increase your understanding of identity protection
issues. The Newsletter enables you to be proactive in protecting your personal
information, while further extending the personal privacy and security options Identity Keeper provides.
How it Works
To review the newsletter,
simply visit our site at www.identitykeeper.com
.
Topics regularly covered include:
- Timely alerts to potential scams, frauds or threats
- Information regarding new or currently available
protection options
- Precautionary tips and advice from security
professionals and identity theft specialists
Identity Keeper Is Your Trusted Partner
Safety is one of the most
basic human needs. In this day and age, defending yourself and your family
against identity theft can be a complicated issue.
By proactively monitoring your
personal information for you, Identity
Keeper
provides a level of safety and security that you can’t realistically
achieve on your own. And, in the event that we do discover an attempt to assume
your identity, we provide the awareness and strategy necessary to protect the
ones you love. Safer decisions begin with Identity
Keeper. We look forward to serving you and
making safety and security for your family a reality.
Summary Description of Benefits for the
Personal Internet and Identity Coverage Master Policy
Summary Description
This Summary is provided to
inform you that as a member of Identity
Keeper, you are entitled benefits under
the Master Policy referenced below. This Summary Description of Benefits does
not state all the terms, conditions, and exclusions of the Policy. Your
benefits will be subject to all of the terms, conditions, and exclusions of the
Master Policy, even if they are not mentioned in this Summary. A complete copy
of the Policy will be provided upon request. The Master Policy of
General Information
Should you have any questions
regarding the Membership Program provided by the Master Policyholder, or wish
to view a complete copy of the Master Policy, please call the customer service
number located in your membership materials.
Filing a Claim
To file a claim under the
Master Policy, contact: 1-866-IDHelp2 (1-866-434-3572). This is a group master
policy issued to Privacy Solutions, LLC. If this master policy is terminated,
your benefits will cease effective that date. It is the obligation of the
master policyholder to inform you of any termination of the master policy.
Limit of Insurance:
Aggregate Limit of Insurance: $ 25,000 per policy period
Lost Wages: $ 500 per week,
for 4 weeks maximum
Deductible $ 0 per policy
period
Summary Description of Benefits for the
Personal Internet and Identity Coverage Master Policy
Benefits:
We shall pay you for the
following:
Costs
- Reasonable and necessary costs incurred by you in the
United States for re-filing applications for loans, grants or other credit
instruments that are rejected solely as a result of a stolen identity
event;
- Reasonable
and necessary costs incurred by you in the United States for notarizing
affidavits or other similar documents, long distance telephone calls and
postage solely as a result of your efforts to report a stolen identity
event and/or amend or rectify records as to your true name or identity as
a result of a stolen identity event;
- Reasonable
and necessary costs incurred by the insured for up to six credit reports
from established credit bureaus (with no
more than two reports from any one credit bureau) dated within 12 months
after your knowledge or discovery of a stolen identity event.
Lost Wages
Actual lost wages earned in the United States, whether partial or whole
days, for time reasonably and necessarily taken off work and away from your
work premises solely as a result of your
efforts to amend or\rectify records as to your true name or identity as a
result of a stolen identity event. Actual lost wages includes remuneration for
vacation days, discretionary days, floating holidays, and paid personal days
but not for sick days or any cost arising from time taken from self-employment.
Coverage is limited to wages lost within twelve months after your discovery of
a stolen identity event.
Legal defense fees and expenses
Reasonable and necessary fees
and expenses incurred in the United
States by you with our consent
for an attorney appointed by us for:
- Defending any civil suit brought against you by a
creditor or collection agency or entity acting on behalf of a creditor for
non-payment of goods or services or default on a loan as a result of a
stolen identity event; and
- Removing any civil judgment wrongfully entered against
you as a result of the stolen identity event.
Restoration services include:
Those services performed in
response to a stolen identity event and on your behalf after receipt of
authorization from you including but not limited to:
- Providing you with an information package including a
description of the resolution process, educational articles, and guidance
for avoiding future complications.
- Notifying the three major credit bureaus and provide
assistance with requesting that a fraud alert be placed on your credit
files and affected credit accounts.
- Reviewing your credit files with you to determine the
accuracy of the file and potential areas of fraud.
- Notifying as needed, your affected creditors, financial
institutions, credit card companies, utility providers, and merchants of
the identity fraud.
- Providing information to the Federal Trade Commission
(FTC), and to other government agencies as appropriate.
- When appropriate, providing assistance with obtaining
and reviewing your Social Security Personal Earnings and Benefits
Statement.
- Creating and maintaining a case file to document the
identity fraud.
A stolen identity event is the
theft of your personal identification, social security number, or other method
of identifying you, which has or could reasonably result in the wrongful use of
such information, including but not limited to stolen identity events occurring
on or arising out of your use of the Internet. A stolen identity event does not
include the theft or unauthorized or illegal use of your business name, d/b/a
or any other method of identifying your business activity.
Summary Description of Benefits for the
Personal Internet and Identity Coverage Master Policy
Coverage Scope
The Master Policy provides
benefits to you only if you report a stolen identity event to us by the contact
number stated on page 18 as soon as you become aware of a stolen identity
event, but in no event later than six months after the stolen identity event
occurs and you follow the instructions given to you in a claims kits that you
will be provided. These instructions will include notifying major credit
bureaus, the Federal Trade Commission’s Identity Theft Hotline and appropriate
law enforcement authorities. This claims kit will also instruct you how to file
for benefits under the policy if the stolen identity event results in losses
covered under the policy. You will only be covered if a stolen identity event
first occurs while you are a member of the Master Policyholder’s insured
program and is reported to us within 6 months. You will not be covered if the
stolen identity event first occurs after termination of the master policy or
termination of your membership in the Master Policyholder’s program.
Limits of Insurance
The most we shall pay you are
the Limits of Insurance shown above. All Legal Costs shall be part of and
subject to the Aggregate Limit of Insurance. LEGAL COSTS
Deductible
- You shall be responsible
for the applicable Deductible amount shown on page 19 and you may not
insure against it.
- You shall be responsible
for only one Deductible during any one policy period.
Duplicate Coverage
Should you be enrolled in more
than one membership program insured by us, or any of our affiliates, we will
reimburse you under each membership program:
a. Subject to the
applicable deductibles and limits of liability of each insured membership
program.
b. In no event shall
the total amount reimbursed to you under all membership programs exceed the
actual amount of loss.
COVERAGE DOES NOT APPLY TO
RESIDENTS OF THE STATES OF