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• Snapshot. If irregularities or potential irregularities are discovered as a result of ID Watchdog services, you may request an ID Watchdog Snapshot which investigates additional private and public databases for the purpose of uncovering the extent and source of any identity theft. consolidation debt help

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• Resolution of Identity Theft; ID Rehab. In accordance with the Guarantee described below, if the monthly monitoring services and the ID Watchdog Snapshot indicate possible identify theft, ID Watchdog will work to resolve any items of identity theft that appear on your personal records. Such efforts will continue for so long as you are a current customer until the item has been resolved or verified as accurate. This is the ID Watchdog ID Rehab service. bill consolidation debt

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• Reliance on Accuracy of Databases. You and ID Watchdog will be relying on the information contained in many third party databases. ID Watchdog is not responsible for and does not represent the accuracy or timeliness of these third party databases. ID Watchdog makes every effort to obtain the most current and most reliable data but due to the dynamic nature of public records, ID Watchdog does not promise that the ID Watchdog Plus Services will detect all possible occurrences of identity theft. consolidation debt lead

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• Not a Credit Repair Service or Insurance Company. ID Watchdog does not seek to improve your credit score or standing and is not a credit repair business. ID Watchdog program does not include contact by ID Watchdog with credit bureaus to remove or change items on your credit reports or advice or assistance in improving your credit record, credit history or credit rating. Removal of identify theft related items from your personal records may or may not result in changes to your credit report. ID Watchdog does not provide insurance and is neither an insurance company or an agent for an insurance company. consolidation debt loan online

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2. Fees.

You agree to pay the following fees: christian consolidation debt

1. Identity Verification Charge.

   Upon enrollment, you will pay an Identity Verification charge of $1.95 to verify you as the applicant. consolidation debt information

2. Three Programs.

   ID Watchdog offers three payment and length of term programs: Monthly, Annual and Tri-annual. Please select the program that best fits your needs. agency consolidation debt

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1. Monthly Program:

• Initial 30 Days of Service. The first 30 days of service under the Monthly Program, commencing upon your enrollment, is free. If you terminate ID Watchdog Plus Services within such 30 day period, you will have no further obligations to ID Watchdog. california consolidation debt

• Monthly Program Fee. If you do not terminate ID Watchdog Plus Services within the first 30 days of monitoring services, you will pay to ID Watchdog $19.95 per month, in advance, for ID Watchdog Plus Services until you or ID Watchdog terminates such services. IF YOU DO NOT TERMINATE ID WATCHDOG PLUS SERVICES PRIOR TO THE END OF SUCH 30-DAY TRIAL PERIOD, ID WATCHDOG PLUS SERVICES WILL CONTINUE AND YOU WILL BE RESPONSIBLE FOR THE REGULAR MONTHLY FEE OF $19.95 UNTIL YOU NOTIFY ID WATCHDOG OF TERMINATION AS PROVIDED IN PARAGRAPH 5(a), BELOW. SUCH TERMINATION WILL BE EFFECTIVE AT THE END OF THE MONTH IN WHICH YOU GIVE NOTICE OF TERMINATION. consolidation debt loan uk

• Annual Program:

• Annual Program Fee. You will pay to ID Watchdog $179.95 per year, in advance, for ID Watchdog Plus Services until you or ID Watchdog terminates such services. IF YOU DO NOT TERMINATE ID WATCHDOG PLUS SERVICES PRIOR TO THE END OF SUCH 1-YEAR PERIOD, ID WATCHDOG PLUS SERVICES WILL CONTINUE AND YOU WILL BE RESPONSIBLE FOR $179.95 ANNUALLY ON OR ABOUT THE ANNIVERSARY OF YOUR SIGNUP DATE UNTIL YOU NOTIFY ID WATCHDOG OF TERMINATION AS PROVIDED IN PARAGRAPH 5(a), BELOW. SUCH TERMINATION WILL BE EFFECTIVE AT THE END OF THE ANNUAL PERIOD IN WHICH YOU GIVE NOTICE OF TERMINATION. consolidation debt equity home

• Three Year Program:

• Three Year Program Fee. You will pay to ID Watchdog $359.95 for three years service, in advance, for ID Watchdog Plus Services until you or ID Watchdog terminates such services. IF YOU DO NOT TERMINATE ID WATCHDOG PLUS SERVICES PRIOR TO THE END OF SUCH 3-YEAR PERIOD, ID WATCHDOG PLUS SERVICES WILL CONTINUE AND YOU WILL BE RESPONSIBLE FOR $359.95 TRI-ANNUALLY ON OR ABOUT THE THIRD ANNIVERSARY OF YOUR SIGNUP DATE OR THE MOST RECENT RENEWAL, AS APPLICABLE, UNTIL YOU NOTIFY ID WATCHDOG OF TERMINATION AS PROVIDED IN PARAGRAPH 5(a), BELOW. SUCH TERMINATION WILL BE EFFECTIVE AT THE END OF THE THREE YEAR PERIOD IN WHICH YOU GIVE NOTICE OF TERMINATION. consolidation debt government

• ID Watchdog Snapshot.

1. If your initial Identity Profile indicates that you may already be a victim of identity theft prior to your enrollment with ID Watchdog Plus, you may request an ID Snapshot. The fee for such service is $99.95, payable at the time you request such service. consolidation debt firm

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• There is no charge for an ID Watchdog Snapshot performed because of irregularities or potential irregularities in your public record information that first occur after your enrollment in ID Watchdog Plus. consolidation consumer credit

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• ID Rehab.

1. If your initial Identity Profile indicates that you may already be a victim of identity theft, which has been further investigated by a separately charged and paid for ID Snapshot pursuant to paragraph 2 (d)(i), you may purchase the ID Rehab service for an additional fee. card consolidation counseling

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• If irregularities or potential irregularities in your public record information first appear after your enrollment in ID Watchdog Plus, you will receive, at no additional cost to you, the ID Rehab service to seek the correction of identity theft items that appear on your personal records. calculator consolidation debt

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• Change in Fees.

  Each of these fees is subject to change upon not less than 30 days prior notice to you. consolidation counseling

• 3. Refund Policy

  Annual, 3-Year, Family Plan, Plus One, and Web Specials Client shall receive net refund based on the signup fee, minus number of months of service, billed at 19.95 per month. No refund shall be issued when the months of service, billed at 19.95 per month, has surpassed the signup fee. best consolidation debt

• 4. Term.

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These terms and conditions apply from your enrollment until termination of ID Watchdog Plus Services by you or ID Watchdog. You may terminate the ID Watchdog Plus Services at any time by notice to ID Watchdog, effective as of the end of the then current monthly, annual or tri-annual term, as applicable. ID Watchdog may terminate ID Watchdog Plus Services at any time by notice to you, effective as of the end of the then current Uponmonthly, annual or tri-annual term, as applicable. Upon the effective time of such a termination by you or ID Watchdog, all services and all obligations to pay for or provide ID Watchdog Plus Services shall cease. Notice of termination shall be given in accordance with paragraph 6.. consolidation debt lending

5. Guarantee.

1. Resolution of Identity Theft Occurrences. ID Watchdog guarantees that, for so long as you are current on your accounts with ID Watchdog, ID Watchdog will actively pursue the correction of any personal records that have been affected by identity theft that first occurs after your enrollment with ID Watchdog. This Guarantee does not apply to erroneous public records. ID Watchdog does not promise to recover or reimburse you for damages, charges, loss of income or other losses incurred in connection with identity theft. business consolidation debt

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• Pre-existing Identity Theft. The ID Watchdog Guarantee also applies to identity theft that may have occurred prior to enrollment in ID Watchdog if you subscribe to and pay for a separately charged ID Watchdog Snapshot and ID Rehab service. consolidation debt interest

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6. NOTICE.

1. Notice of termination of ID Watchdog Plus Services by you must be given by telephone to the number set forth on the ID Watchdog web site (IDWATCHDOG.COM) as the telephone number to be used for such purpose. Such personal telephone notice is required due to the need to verify the caller is actually you. consolidation debt finance

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• Regular Notices. All notices (other than a notice by you of your termination of services) shall be given in writing by e mail, fax, overnight courier, personal delivery or U.S. Mail. Notices to ID Watchdog shall be given to it at the following address: consolidation debt personal

ID Watchdog 535 16th Street, Suite 700 Denver, CO 80202 800.774.3772 www.idwatchdog.com

• Notices to you shall be given to you at the address you provide to ID Watchdog at enrollment or such other address as you give ID Watchdog as provided in this paragraph. consolidation debt management

• 7. Confidentiality.

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ID Watchdog agrees to maintain all information obtained from you or third parties as confidential and to utilize all such information solely for identity theft monitoring and resolution, except as required by law or pursuant to lawful subpoena. Certain personal information will be shared with third parties to the limited extent necessary to resolve identity theft. 8. Dispute Resolution.. consolidation debt florida

This Agreement is governed by Colorado law, without regard to choice of law rules. To the extent allowed by law, the jurisdiction for any such claim shall exclusively be the courts located within the City and County of Denver, State of Colorado, sitting without a jury. At ID Watchdog election, any such dispute shall be resolved by binding arbitration in Denver, Colorado in accordance with Colorado Uniform Arbitration Act and the Federal Arbitration Act, with either party authorized to attend by telephone. 9. Limit on Damages.. canada consolidation debt loan

ID Watchdog shall not be liable to you or any other person for any consequential damages, including lost profits and lost business opportunities, or for punitive or exemplary damages. 10. Credit Report and Personal Information Authorization.. consolidation debt nonprofit

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You hereby authorize ID Watchdog to retrieve, on your behalf, (a) your credit report information from credit bureaus and other consumer reporting agencies and (b) any other personal information about you from other sources, such as websites, databases and other information sources, in each case for the purpose of providing services to you and making such information available to you. 11. Entire Agreement.. consolidation debt reduction