Identity Fraud, Inc. requires that all visitors to our site on the Internet ("SITE") adhere to the following rules and regulations. BY ACCESSING OUR "SITE" OR USING OUR PRODUCTS OR SERVICES, YOU INDICATE YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS AND CONDITIONS. IN ADDITION, SEPARATE AND DISTINCT TERMS AND CONDITIONS APPLY TO OUR MEMBERSHIPS AND/OR PROGRAMS UNDER OUR MEMBERSHIP AND/OR CUSTOMER AGREEMENT, RESPECTIVELY.

General Terms: Identity Fraud, Inc. maintains this "SITE" to provide you with information about our products and services as well as general information and other vendor services and to facilitate communication with us and our affiliates. From time to time we may revise these terms and conditions. Revisions will be effective when posted or as otherwise stated. The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on the "SITE", including but not limited to Identity Fraud, Inc., BIZLock Insurance Services, BIZLock, Core Cyber, Core Cyber PLUS, Cyber PRO, Business Cyber Monitoring and related proprietary program and component names, are the property of Identity Fraud, Inc. or its licensors and are protected by copyright, trademark and other laws. In addition to our rights in individual elements of the Content within the "SITE", Identity Fraud, Inc. owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the "SITE" for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Identity Fraud, Inc. or the owner of the Content.

OUR "SITE", INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS "SITE", IS PROVIDED TO YOU "AS IS". TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER IDENTITY FRAUD, INC. NOR ITS AFFILIATES MAKES ANY REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH OUR SITE, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR "SITE", PRODUCTS OR SERVICES OR THAT OUR "SITE", PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, IDENTITY FRAUD, INC. AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT.

THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR "SITE", PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR "SITE", YOU ACKNOWLEDGE AND AGREE THAT NEITHER IDENTITY FRAUD, INC. NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR "SITE", CONTENT, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.

You are encouraged to confirm the information contained herein with other sources. Identity Fraud, Inc. is not engaged in rendering investment, financial, tax, accounting, legal, or other professional services or advice. If you desire or need such services or advice, you should consult a professional. You should not construe Identity Fraud, Inc.'s publication of this Content as an endorsement by Identity Fraud, Inc. of the views expressed herein, or any warranty or guarantee of any of these views, opinions, or recommendations.

Registration and Accurate Information If you decide to register on our "SITE", purchase our products or services or participate in our affiliate program, promotions or surveys, you may be required to register, provide personal information, user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify Identity Fraud, Inc. promptly of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your account and your right to use the "SITE".

Our Privacy Policy: By using our "SITE" or purchasing our products or services, you agree that we may use and share your personal information in accordance with the terms of our Privacy Policy / Statement. Our privacy statement can be reviewed from the link at the bottom portion of our "Site".

Fair Credit Reporting Act: The Fair Credit Reporting Act allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through our "SITE" are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws. You are entitled to receive a free copy of your credit report from a credit reporting agency if:
 

1. You have been denied credit, insurance, employment within the past sixty (60) days based on information in a credit report provided by such agency.
2. You certify in writing you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
3. You are a recipient of public welfare assistance.
4. You have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

In addition, if you reside in the state of Colorado, Massachusetts, Maryland, New Jersey or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.

The Fair Credit Reporting Act provides that you may dispute inaccurate or incomplete information in your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM IDENTITY FRAUD, INC. IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANS UNION, THE THREE NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.

If you wish to contact Equifax, Experian or Trans Union to obtain a copy of your credit report directly from such agency or if you wish to dispute information contained in an Equifax, Experian or Trans Union credit report file, contact them directly. The form of credit report and related disclosures provided directly by such agencies to you may differ from those obtained via our "Site".

Termination: We reserve the right to terminate our "SITE", the products or services or your access to them for any reason at any time, subject to your right to continue to receive products and services that you have paid for or to obtain a refund of your payment or as subject to the terms and conditions of our Membership Agreement.

Notices: You should send any notices or other communications regarding our "SITE", products or services to support@identityfraud.com. Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address.

Links: This Web site may contain links to Web sites operated by other parties. The linked Web sites are not under the control of Identity Fraud, Inc., and Identity Fraud, Inc. is not responsible for the content available on any other Internet sites linked to the Web site. Unless otherwise stated, such links do not imply Identity Fraud, Inc.'s endorsement of material on any other Web site, and Identity Fraud, Inc. disclaims all liability with regard to your access to such linked Web sites. Identity Fraud, Inc. provides links to other Internet sites as a convenience to users, and access to any other Internet sites linked to this Web site is at your own risk.

Unless otherwise set forth in a written agreement between you and Identity Fraud, Inc., you must adhere to Identity Fraud, Inc.'s, linking policy as follows: (i) any link to Identity Fraud, Inc.'s Web site must be a text only link clearly marked "Identity Fraud, Inc. Web site", (ii) the appearance, position, and other aspects of the link may not be such as to damage or dilute the goodwill associated with Identity Fraud, Inc.'s names and trademarks, (iii) the link must "point" to the URL www.identityfraud.com and not to any other pages within the Identity Fraud, Inc. Web site, (iv) the appearance, position, and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Identity Fraud, Inc., (v) when selected by a user, the link must display the Identity Fraud, Inc. Web site on full-screen and not within a "frame" on the linking Web site, and (vi) Identity Fraud, Inc. reserves the right to revoke its consent to the link at any time and in its sole discretion.

Applicable Law: The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of California, USA, and applicable federal law, without regard to any conflict of law provisions. Identity Fraud, Inc. can only memberships and/or programs in the United States. Those who choose to access this Site from outside the United States do so on their own initiative and are responsible for compliance with local laws. You agree that the jurisdiction and venue for any action and/or disputes arising under or relates to this Agreement whether in contract or in tort shall be resolved in the Superior Court of the State of California, in and for the County of Contra Costa, in the City of Martinez, County of Contra Costa, State of California, USA.