LifeLock Membership Terms and Conditions Agreement

These LifeLock Membership Terms and Conditions ("Agreement") between LifeLock, Inc. ("LifeLock") and you, the person who will become or is a LifeLock member ("you," "your" or "yours"), describe the terms under which you agree to use the LifeLock® identity theft protection programs (the “Protection Programs”) and credit monitoring product (the “Credit Monitoring Product”) described in Exhibit A and enrolled as described below (the “Protection Programs” and the “Credit Monitoring Product” are collectively referred to herein as the “Services”), use the website www.LifeLock.com (“Website”), and/or use the Stolen Identity Event Insurance (“Insurance”). A copy of the Master Policy governing the Insurance (the “Insurance Policy”) can be found at www.LifeLock.com/legal. Your use of the Services, the Website and/or the Insurance constitutes your acceptance of the terms of this Agreement.

YOU REPRESENT THAT YOU ARE A NATURAL PERSON OVER EIGHTEEN (18) YEARS OF AGE, THAT YOU RESIDE IN THE UNITED STATES, THAT YOU HAVE A VALID UNITED STATES SOCIAL SECURITY NUMBER, THAT YOU MAY LEGALLY ENTER INTO THIS AGREEMENT, AND THAT YOU AGREE WITH ALL THE TERMS OF THIS AGREEMENT. YOU FURTHER UNDERSTAND AND AGREE THAT THE SERVICES COVER ONLY YOUR PERSONAL AND BUSINESS ACCOUNTS THAT ARE DIRECTLY ASSOCIATED WITH YOUR VALID UNITED STATES SOCIAL SECURITY NUMBER.

IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT OR DO NOT WISH TO BE A LIFELOCK MEMBER, YOU MUST NOT ENROLL FOR THE SERVICES OR USE THE SERVICES OR THE WEBSITE. UNLESS YOU CONTACT US, (1) IF A MEMBER WHO ENROLLED IN A PROTECTION PROGRAM AFTER NOVEMBER 30, 2011, WITHIN FIFTEEN (15) DAYS OF RECEIVING YOUR WELCOME EMAIL OR, IF YOU DO NOT RECEIVE A WELCOME EMAIL BECAUSE YOU DO NOT HAVE AN EMAIL ADDRESS, WITHIN FIFTEEN (15) DAYS OF RECEIVING YOUR WELCOME KIT, OR (2) IF A MEMBER WHO ENROLLED IN A PROTECTION PROGRAM PRIOR TO DECEMBER 1, 2011, BY JANUARY 15, 2012, AND REQUEST TO OPT OUT OF COVERAGE UNDER THE INSURANCE POLICY, YOUR ENROLLMENT WILL INCLUDE USE OF THE INSURANCE. TO TERMINATE YOUR SERVICE, YOU MUST CALL 1-800-LIFELOCK (543-3562) OR CANCEL THROUGH YOUR MEMBER PORTAL. YOUR USE OF THE SERVICES AND/OR WEBSITE SHALL CONSTITUTE YOUR ACCEPTANCE OF THE TERMS OF THIS AGREEMENT. LIFELOCK MAY CHANGE THIS AGREEMENT AND LIFELOCK'S PRIVACY POLICY FROM TIME TO TIME, AND POST THOSE CHANGES ON THE WEBSITE. YOUR CONTINUED USE OF THE WEBSITE OR USE OF THE SERVICES AFTER SUCH POSTING SHALL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGES.

1. Becoming a LifeLock Member

To become a LifeLock member and to receive the Services, you must, in the course of the enrollment process, provide certain fully accurate personal information as LifeLock may reasonably require for the applicable Services, including without limitation your name, address, telephone number, email address, date of birth, driver's license number, Social Security number, and other personal information to verify your identity, as well as financial information such as your credit card number (collectively, “Personal Information”). You may enroll (i) by telephone, (ii) at the Website or (iii) by authorizing a third party to provide your Personal Information on your behalf, as applicable (collectively, the “Enrollment Process”). You agree to keep all Personal Information updated and accurate. In the event you (or a third-party on your behalf) fail to provide all the required Personal Information during your Enrollment Process, you agree that LifeLock may in its sole discretion utilize its data base, the data base of its subsidiaries and affiliates, or other resources in an attempt to complete the required Personal Information on your behalf. If LifeLock is unable to obtain the required Personal Information or you fail to authenticate your identity as may be required, the Services you are entitled to receive from LifeLock may be limited.

Upon completion of the Enrollment Process and payment to LifeLock of the proper fees (either directly by you or indirectly through an authorized third-party) for the level of Services for which you enrolled, as applicable, you will become eligible to receive such Services. Provision of the required enrollment information in the course of the Enrollment Process shall constitute “written instructions” to obtain your credit report pursuant to the Fair Credit Reporting Act.

A current selection of the various levels of Protection Programs and the Credit Monitoring Product and any additional terms applicable to any such Protection Program or Credit Monitoring Product is located in EXHIBIT A (SERVICES) to this Agreement which is hereby incorporated into this Agreement by reference. You must enroll in the level of Protection Program or select the Credit Monitoring Product you wish to receive as part of the Enrollment Process, unless such Protection Program level or Credit Monitoring Product is predetermined pursuant to the terms of the offering made available to you by the third party or by the promotional offer used at the time of your enrollment. As part of the Enrollment Process, you may also enroll a minor child if you are his or her parent or legal guardian. LifeLock may require you to provide such proper documentation to LifeLock as it deems necessary in its sole discretion, either directly or indirectly through the applicable third party, to prove your relationship with any such minor child. All terms of this Agreement will apply to such minor child in the same way they apply to an adult member, except that the Services for such minor child will only include those Services so designated in EXHIBIT A (SERVICES) as LifeLock for Minors or LifeLock Junior. Where LifeLock delivers to you or any such child, as a part of the Services, a credit report in electronic format, you will first be required to provide to LifeLock, either directly or indirectly through the applicable third party, a valid email address and other information LifeLock may require in its sole discretion to enable LifeLock to confirm your identity.

YOU UNDERSTAND AND AGREE THAT THE SERVICES SHALL NOT INCLUDE THE PLACING OF FRAUD ALERTS WITH ANY CONSUMER REPORTING AGENCIES. YOU UNDERSTAND THAT WE MONITOR YOUR PERSONAL INFORMATION WITHIN OUR NETWORK USING CERTAIN PROPRIETARY TECHNOLOGIES AND DATABASE INFORMATION OWNED BY OR UNDER LICENSE TO LIFELOCK, BUT NOT ALL TRANSACTIONS MAY BE COVERED AND THE SCOPE OF THE NETWORK MAY VARY. YOU ALSO UNDERSTAND AND AGREE THAT IT MAY TAKE UP TO FOUR (4) WEEKS FROM THE DATE YOU ACCEPT THIS AGREEMENT AND COMPLETE THE ENROLLMENT PROCESS FOR THE SERVICES TO BE ACTIVATED.

2. Insurance

As a Member enrolled in any of LifeLock’s Protection Programs, you will be insured for certain losses should you become a victim of identity theft. You will be reimbursed for certain out-of-pocket costs and expenses related to fraudulent withdrawals or purchases, childcare and elderly care and loss of income, as follows:

(A) Cost of Replacing Documents - Up to $2,000.00 for each Stolen Identity Event.

(B) Traveling Expenses - Up to $2,500.00 for each Stolen Identity Event.

(C) Loss of Income - Up to $200.00 per day, for a maximum benefit period of one (1) month, but not to exceed $6,000.00 for any one Stolen Identity Event.

(D) Childcare/Elderly Care - Up to $200.00 per day, for a maximum benefit period of one (1) month, but not to exceed $6,000.00 for any one Stolen Identity Event.

(E) Fraudulent Withdrawals - Up to $10,000.00 for all fraudulent withdrawals resulting from a Stolen Identity Event.

Plus, LifeLock will cover you for up to $1 million in legal costs, remediation services costs and case management services costs per Stolen Identity Event; provided, the maximum amount of such legal costs, remediation services costs and case management services costs coverage under the Service Guarantee and the Insurance shall not exceed $1 million in the aggregate per Stolen Identity Event.

Please refer to the Insurance Policy for complete terms and conditions of coverage. The Insurance is underwritten by State National Insurance Company (the “Insurer”).

You understand and agree that termination of your Membership, for any reason, constitutes your consent to termination of the Insurance provided to you, and no further notice of such termination will be given to you. In the event the Insurance is terminated by the Insurer, LifeLock will notify you of such termination and of any replacement Insurance.

3. Service Guarantee

The provisions of this Section 3 constitute the “Service Guarantee” under this Agreement. If you are a LifeLock member in good standing and enrolled in the Protection Programs, have paid LifeLock (or caused LifeLock to be paid) all proper fees for such Protection Programs, and have fully complied with this Agreement including, without limitations the provisions of Section 5, and you nevertheless become a victim of a fraud committed or attempted using your Personal Information without authority, LifeLock will, through the provision of Insurance described in Section 2 or otherwise, retain and pay for those third party professional services that are reasonably necessary in LifeLock's judgment to assist you in restoring losses or recovering your lost out-of-pocket expenses caused by such fraud. Benefits provided pursuant to this Guarantee cover expenses for such third parties up to a maximum of one million dollars ($1,000,000) per identity theft event, provided that:

You notify LifeLock and the Insurer, as applicable, within ninety (90) days of the date you know, or reasonably should have known, that someone has improperly used your Personal Information to commit an act of identity theft;
You fully cooperate and are truthful with LifeLock and the Insurer, as applicable, and those third parties retained to assist you, and you agree to execute any documents LifeLock and the Insurer reasonably require;
You fully cooperate with LifeLock and the Insurer, as applicable, in any remediation process, including, but not limited to, providing LifeLock and the Insurer with copies of all available investigation files from any institution, including, but not limited to, banks, credit institutions, or law enforcement agencies relating to the alleged identity theft;
You agree that LifeLock and the Insurer, as applicable, will not pay or be obligated for any costs or expenses other than as described in this Service Guarantee, including without limitation fees of any service providers not retained by LifeLock or the Insurer;
You agree that LifeLock reserves the right to investigate any asserted Service Guarantee claim to determine its validity;
You agree that LifeLock is not an insurance company, is not a credit repair organization, is not a credit counseling service, and does not promise to help you improve your credit history or rating;
You agree the maximum amount covered for third party expenses under the Service Guarantee and the Insurance per identity theft shall not exceed $1 million in the aggregate; and
You agree that LifeLock and the Insurer, as applicable, will not make payments to you for any loss or liability you may incur.

Should a bank or other credit institution, after reasonable investigation, determine that your reported loss is not due to identity theft, LifeLock and the Insurer, as applicable, may rely on such investigation to determine that the Service Guarantee is not applicable to such loss.

THE FOREGOING SERVICE GUARANTEE STATES THE ENTIRE OBLIGATION OF LIFELOCK AND YOUR ENTIRE REMEDY FOR ANY FAILURE OR DELAY IN PERFORMING THE PROTECTION PROGRAMS. EXCEPT AS SET FORTH IN THIS SECTION 3 (SERVICE GUARANTEE), THE PROTECTION PROGRAMS AND CREDIT MONITORING PRODUCT ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTY WHATSOEVER. LIFELOCK HEREBY DISCLAIMS ALL OTHER WARRANTIES EXPRESS, IMPLIED, OR STATUTORY; ARISING FROM COURSE OF DEALING, USAGE, OR TRADE; AND INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. Some jurisdictions do not allow certain limitations of warranties, so the foregoing may not apply to you.

THE SERVICE GUARANTEE APPLIES ONLY TO THE PROTECTION PROGRAMS AND DOES NOT APPLY TO THE CREDIT MONITORING PRODUCT.

4. Payment

By providing credit card or other payment information to LifeLock, or having such information provided on your behalf, you represent that you are authorized to request transactions using the form of payment presented. You authorize and agree to make any required payments for the Services on a timely basis. In the case of any credit or debit card payment by you, you authorize LifeLock to: (a) submit a transaction using the card information provided to LifeLock; (b) submit automatic recurring transactions, including those on a monthly or annual basis for Membership renewals; and (c) obtain automatic updates for cards provided to LifeLock. You may cancel your membership at any time by phone at 1-800-LifeLock (543-3562) or through your member portal. You further acknowledge and agree that, subject to LifeLock’s then current member authentication procedures, another adult Member enrolled on your account may authorize changes to the account, including without limitation to the form of payment, or to the Services including termination of membership or changes that may result in additional charges. In all cases, you are personally responsible for any applicable state, federal, or other taxes that may be associated with your purchase of the Services unless noted otherwise and LifeLock may collect all applicable sales taxes.

5. Your Conduct

You understand and agree that perfect security does not exist anywhere, and you will protect your Personal Information in a reasonable way at all times. Accordingly, you will not recklessly disclose or publish your Social Security number or any other Personal Information to those that would reasonably be expected to improperly use or disclose that Personal Information, such as, by way of example, in response to "phishing" scams, unsolicited emails, or pop-up messages seeking disclosure of Personal Information. You also agree that you will, upon request from LifeLock, immediately remove from your computer any malicious or "peer-to-peer" software identified by LifeLock.

6. Term

The term of this Agreement will continue until terminated by you or LifeLock. LifeLock may terminate this Agreement at any time upon notice to you with or without cause. If LifeLock terminates this Agreement without cause, LifeLock will promptly, refund to you a pro-rata portion of any fees you have already paid directly to LifeLock for the Services that have yet to be provided; however, any fees paid indirectly by you through a third party or fees paid on your behalf by a third party will not be refunded to you by LifeLock. You may terminate this Agreement at any time upon notice to LifeLock (or, if you obtained your membership through a third party, upon notice to such third party) with or without cause. If you terminate this Agreement, LifeLock will promptly, refund to you a pro-rata portion of any fees you have already paid directly to LifeLock for the Services that have yet to be provided; however, any fees paid indirectly by you through a third party or fees paid on your behalf by a third party will not be refunded to you by LifeLock. If this Agreement has not been terminated, it shall automatically continue indefinitely, and you shall pay (or cause to be paid) corresponding fees as published by LifeLock from time to time.

7. Privacy Policy

LifeLock's Privacy Policy is located on the Website, and is incorporated by reference into this Agreement. You authorize LifeLock, its agents, and its employees to obtain various information and reports about you (or about your minor child that you have enrolled) as LifeLock deems reasonably necessary or desirable in the course of performing the Services. LifeLock may share your Personal Information with any other person registered on your LifeLock account. You, individually or as the parent or legal guardian of a minor child you enroll or cause to be enrolled, expressly authorize LifeLock, its agents, and its employees to take any steps necessary to implement the Services, including, but not limited to, completing and executing any documents, communicating with third parties, and acting as a personal representative to the fullest extent permitted by law.

8. Mobile Alert Service

LifeLock’s Mobile Alert Service enables a member to request and receive SMS text alerts (collectively, "Mobile Alerts", individually, a "Mobile Alert") from time to time, including but not limited to notifications generated by the Identity Threat Detection and Alerts feature, Credit Alerts (as defined below) or Bank Account Event (as defined below), and notifications and other matters relating to your Services for which you have enrolled. If you elect to enroll in LifeLock’s Mobile Alert Service, you acknowledge and agree that LifeLock may continue to send you additional alerts and other notifications via the email address or telephone number you provided to LifeLock or through another method as expressly agreed to by LifeLock in writing.

THE FREQUENCY OF MOBILE ALERTS WILL VARY BASED ON THE NUMBER OF ALERTS AND OTHER NOTIFICATIONS SENT TO YOU PURSUANT TO YOUR SERVICES. STANDARD TEXT MESSAGING RATES APPLY, SO PLEASE CONTACT YOUR MOBILE PHONE CARRIER FOR DETAILS AND FEES. YOU WILL BE RESPONSIBLE FOR ALL TEXT MESSAGING AND DATA PLAN FEES CHARGED BY YOUR MOBILE PHONE SERVICE.

If you opt into LifeLock’s Mobile Alert Service through the SMS Enrollment Process, you will receive a confirmation SMS text message. In order to activate the Mobile Alert Service, you must affirmatively reply “START” to that activation text.

To stop the Mobile Alerts from coming to your mobile phone, you can opt out of the Mobile Alert Service by (i) texting the word "STOP" to: 432578 [IDALRT]; (ii) calling 1-800-LifeLock (543-3562) or (iii) changing your notification preferences in your member portal. After you have opted out we may send you a SMS text message confirming the termination of your Mobile Alert Service. In limited circumstance you may still receive a Mobile Alert after you have opted-out of the Mobile Alert Service if we have sent you a Mobile Alert that has not reached you prior to you opting out. After that, you will not receive any future Mobile Alerts unless you re-subscribe to the Mobile Alert Service. Please note texting the word "STOP" to: 432578 [IDALRT] will not cancel your LifeLock Service and in order to cancel your LifeLock Service you must call 1-800-LIFELOCK (543-3562) or cancel through your member portal.

By enrolling for LifeLock’s Mobile Alert Service through your member portal or over the telephone with our member services department (each “Mobile Alert Service Enrollment”) to receive one or more of the Mobile Alerts, you acknowledge that you are aware of and agree that:

(A) LifeLock will send Mobile Alerts to the mobile phone number you provide to LifeLock during your Mobile Alert Service Enrollment. You hereby acknowledge and accept that each Mobile Alert will be sent to you without being encrypted and may include Personal Information.

(B) You may receive Mobile Alerts only through a SMS-enabled mobile phone. It is your responsibility to ensure the security of your mobile phone. It is your responsibility to determine if your mobile phone service provider supports text messaging and both your mobile phone and service plan are capable of receiving text messages. If your mobile phone is lost or stolen, or if you change your number or network operator, it is your responsibility to contact us to suspend your Mobile Alert Service as soon as possible. Otherwise LifeLock will continue to provide Mobile Alerts to the mobile number you have registered with the Mobile Alert Service. LifeLock’s Mobile Alert Service may be subject to the terms and conditions of your agreement(s) with your mobile phone service provider.

(C) To receive Mobile Alerts when you travel, please ensure that your mobile service provider activates your roaming facility. Such activation may result in additional fees imposed by your mobile phone service provider.

(D) You acknowledge and agree that your receipt of any Mobile Alert may be delayed or prevented by factors affecting your mobile phone service provider and other factors outside LifeLock’s control and as such we cannot guarantee the delivery of each Mobile Alert. LifeLock will not be liable if the Mobile Alerts are unavailable at any time for reasons that we cannot control or if you do not receive text notifications or alerts for reasons within your control, i.e., your mobile phone being switched off, there is no network coverage or you change your mobile phone.

(E) LifeLock reserves the right to terminate the Mobile Alert Service at any time without prior notice to you.

(F) You acknowledge and agree to the receipt of an SMS confirmation of any decision to STOP the Mobile Alert Service as this is, in some circumstances, one of the methods of confirming the termination of the Mobile Alert Service.

9. Disclaimer

IN NO EVENT SHALL LIFELOCK BE LIABLE TO YOU OR ANY PARTY YOU ENROLL OR CAUSE TO BE ENROLLED FOR SERVICES FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, HOWEVER AND WHEREVER ARISING. OTHER THAN PURSUANT TO THE SERVICE GUARANTEE, IN NO EVENT SHALL THE TOTAL LIABILITY OF LIFELOCK UNDER THIS AGREEMENT OR REGARDING THE SERVICES EXCEED THE GREATER OF ONE THOUSAND DOLLARS ($1,000) OR THE TOTAL AMOUNT YOU HAVE PAID TO LIFELOCK FOR SERVICES. Some jurisdictions do not allow certain limitations of damages, so the foregoing may not apply to you.

10. Jurisdiction

This Agreement and any Services provided hereunder will be governed by the laws of the State of Arizona, without regard to any laws that would direct the choice of another state's laws and, where applicable, will be governed by the federal laws of the United States.

11. Other Rights

You understand and agree that the Fair Credit Reporting Act allows you to obtain copies of annual credit reports, for yourself and for minor children for whom you are the parent or legal guardian, without charge. You also understand and agree that your decision to pay any required payments for the Services and receive the Services under this Agreement has been made by you as a convenience, and is not legally required.

12. General

Neither this Agreement, nor any rights hereunder, may be assigned by operation of law or otherwise, in whole or in part, by you without the prior written permission of LifeLock. Any purported assignment without such permission shall be void. Any waiver of any rights of LifeLock under this Agreement must be in writing, signed by LifeLock, and any such waiver shall not operate as a waiver of any future breach of this Agreement. In the event any portion of this Agreement is found to be illegal or unenforceable, such portion shall be severed from this Agreement, and the remaining terms shall be separately enforced. Your use of the Services and the Website shall at all times comply with all applicable laws, rules, and regulations. This Agreement is the entire agreement between the parties with respect to this subject matter, and supersedes any and all prior or contemporaneous or additional communications, negotiations, or agreements with respect thereto. You will indemnify and hold LifeLock (and LifeLock's officers, directors, agents, subsidiaries, joint ventures, licensees, employees, and third-party partners) harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this Agreement, or your violation of any law or regulation, or the rights of any third party. This Agreement is solely and exclusively between you and LifeLock and you acknowledge and agree that (i) no third party, including a third-party partner of LifeLock is a party to this Agreement, and (ii) no third party, including any third-party partner of LifeLock has any obligations or duties to you under this Agreement.

EXHIBIT A

"SERVICES"

I. The Identity Theft Protection Programs:

A. LifeLock® Service. If you enroll for the LifeLock® service, LifeLock will do the following for you:

(i) Through Identity Threat Detection and Alerts, using your Personal Information, monitor your identity fraud risk level, based upon your credit and noncredit transaction history. In addition, when LifeLock determines that there has been a credit or noncredit application event in LifeLock’s network using your Personal Information, LifeLock shall notify you via the email address or telephone number you provided to LifeLock or pursuant to the terms of the Mobile Alert Service (as defined above) or through another method as expressly agreed to by LifeLock in writing. You will provide LifeLock with your current email address and up to two (2) telephone numbers in order to contact you. LifeLock shall contact you at your email address or telephone number as determined by LifeLock or pursuant to the Mobile Alert Service;

(ii) Request, to the extent permitted by 15 U.S.C § 1681b (e), that your name be removed from preapproved credit card mailing lists. All consumers can opt out of preapproved credit card offers, free of charge, by logging on to www.optoutprescreen.com or by calling 1-888-5OPTOUT;

(iii) Through the Black Market Website Surveillance and Address Change Verification features, search Internet "black market" websites and national address databases for illegal selling or trading of your Personal Information, which may include your Social Security number, credit card numbers, debit card numbers, medical identification numbers, and driver's licenses, or unauthorized attempts to change your address, and in such case that LifeLock detects a match, LifeLock will notify you; and

(iv) Through Lost Wallet Protection, if your wallet is lost or stolen, help you identify your missing documents; contact each credit card, bank, or document issuing company; cancel your affected accounts; and LifeLock will help provide the paperwork and steps necessary to replace your lost documents (other than pictures, cash or cash equivalents). You will be responsible, however, for any applicable fees charged by any credit card, bank, or document issuing companies to replace lost or stolen documents.

B. LifeLock Command Center™ Service. If you enroll for the LifeLock Command Center™ service, you must successfully complete an additional authentication process within 30 days of enrollment in order to review your LifeLock Command Center alerts and report, and provide (or cause to be provided to) LifeLock an email address in order for LifeLock to notify you of new reports and alerts via email or certain alerts pursuant to the terms of the Mobile Alert Service (or another method expressly agreed to in writing by LifeLock) and communicate with you via the member portal, and in such case LifeLock will do the following for you:

(i) Through the Alias Name and Address Monitoring, Court Records Scanning, Unauthorized Payday Loan Notification and Sex Offender Registry Reports features, using your Personal Information detected in the electronic databases we monitor, deliver alerts and reports:
(a) to find instances of your Personal Information in use by “payday loan” or “cash advance” short-term lenders;

(b) to provide a list of registered sex offender records near you and alert you if a sex offender is using your home address on any registries in such databases;

(c) to identify postal addresses associated with your identity which are found in public records;

(d) to identify instances of your Personal Information which are found in online public court records; and

(e) to identify alternate alias identities associated with your Personal Information.

(ii) Through the File-Sharing Network Searches feature, search “peer-to-peer” file-sharing networks on the Internet to detect if there is a match with certain of your Personal Information. In such case, LifeLock will notify you of the Personal Information found, whether the disclosure of your Personal Information appears to be from your personal computer or that of a third party, request removal of the Personal Information from the Internet site, and provide you with a recommended course of action.

LifeLock Command Center service includes the LifeLock service. LifeLock Command Center service may not be available through all third-party partners of LifeLock.

C. LifeLock Ultimate™ Service. If you enroll for the LifeLock Ultimate™ service, you must successfully complete an additional authentication process in order to receive all the benefits of your LifeLock Ultimate service, including the Credit Alerts and Credit Service (as each is defined below) and provide (or cause to be provided to) LifeLock an email address in order for LifeLock to notify you of new reports, scores and alerts via email or certain alerts pursuant to the terms of Mobile Alert Service (or another method expressly agreed to in writing by LifeLock) and communicate with you via the member portal, and in such case LifeLock shall using your Personal Information you have provided LifeLock:

(i) Notify you if LifeLock determines that (a) the name, address or other contact information on your checking or saving accounts has been changed, (b) your Personal Information has been added to a third party’s checking or savings account, (c) your Personal Information has been used in a checking or savings account application event (each of the foregoing a “Bank Account Event”) or (d) your Personal Information has been used in a credit application event (each a “Credit Alert”).

(ii) Provide you:
(a) annually a copy of your tri-bureau credit reports online in the member portal;

(b) annually your tri-bureau credit scores online in the member portal; and

(c) monthly your single-bureau credit score update online in the member portal (collectively, the “Credit Service”).

If LifeLock determines that there has been a Bank Account Event using, or Credit Alert based on, your Personal Information within LifeLock’s network, LifeLock shall notify you via the email address you provided to LifeLock or pursuant to the term of Mobile Alert Service (or another method expressly agreed to in writing by LifeLock). You understand and agree that, if you fail to complete the additional authentication process, you will not receive Credit Alerts or the Credit Service.

LifeLock Ultimate service includes the LifeLock Command Center service. LifeLock Ultimate service may not be available through all third-party partners of LifeLock.

D. LifeLock for Minors Service. If you enroll a minor child for whom you are the parent or legal guardian for LifeLock for Minors, LifeLock will do the following on behalf of such child:

(i) Through the Identity Threat Detection and Alerts feature, using your child's Personal Information, monitor your child's identity fraud risk level, based upon your child's credit and noncredit transaction history, on an on-going basis. Based upon such monitoring, where LifeLock determines that there has been a credit or noncredit application event using your child's Personal Information, LifeLock shall notify you via the email address or telephone number you provided to LifeLock or pursuant to the terms of the Mobile Alert Service or through another method as expressly agreed to by LifeLock in writing. You will provide LifeLock with your current email address and up to two (2) telephone numbers in order for LifeLock to contact you. LifeLock shall contact you at your email address or telephone number as determined by LifeLock; and

(ii) Through Lost Wallet Protection, if your child's wallet is lost or stolen, help you identify your child's missing documents; contact each credit card, bank, or document issuing company; cancel your child's affected accounts; and help provide the necessary paperwork and steps necessary to replace your child's lost documents (other than pictures, cash or cash equivalents). You will be responsible, however, for any applicable fees charged by any credit card, bank, or document issuing companies to replace lost or stolen documents.

E. LifeLock Junior™ Service. On and after March 26th, 2013, If you enroll a minor child for whom you are the parent or legal guardian for LifeLock Junior, LifeLock will do the following on behalf of such child:

(i) Through the Identity Threat Detection and Alerts feature, using your child's Personal Information, monitor your child's identity fraud risk level, based upon your child's credit and noncredit transaction history, on an on-going basis. Based upon such monitoring, where LifeLock determines that there has been a credit or noncredit application event using your child's Personal Information, LifeLock shall notify you via the email address or telephone number you provided to LifeLock or pursuant to the terms of the Mobile Alert Service or through another method as expressly agreed to by LifeLock in writing. You will provide LifeLock with your current email address and telephone number in order for LifeLock to contact you. LifeLock shall contact you at your email address or telephone number as determined by LifeLock; and

(ii) Through the File-Sharing Network Searches feature, search “peer-to-peer” file-sharing networks on the Internet to detect if there is a match with certain of your child’s Personal Information. In such case, LifeLock will notify you of the Personal Information found, whether the disclosure of your child’s Personal Information appears to be from an Internet enabled device in your household or that of a third party, request removal of the your child’s Personal Information from the Internet site, and provide you with a recommended course of action.

(iii) Through the Black Market Internet Surveillance feature, search Internet "black market" websites for illegal selling or trading of your child’s Personal Information, which may include your child’s Social Security number, and in such case that LifeLock detects a match, LifeLock will notify you; and

(iv) Through the Credit File Verification feature, LifeLock will monitor your child’s Social Security number and alert you if we detect a credit header associated with your child’s identity.

ANY CHILD ENROLLED IN LIFELOCK JUNIOR WILL AUTOMATICALLY BE UPGRADED TO LIFELOCK’S STANDARD ADULT SERVICE, AT THE THEN-CURRENT RATE, UPON TURNING 18 YEARS OF AGE.

II. Credit Monitoring Product

A. LifeLock Credit Score Manager™ Service. If you enroll for the LifeLock Credit Score Manager™ service, you must successfully complete an additional authentication process within 30 days of enrollment in order to activate your LifeLock Credit Score Manager service and provide (or cause to be provided to) LifeLock an email address in order for LifeLock to notify you of new reports, scores and alerts via email or certain alerts pursuant to the terms of the Mobile Alert Service (or another method expressly agreed to in writing by LifeLock), and in such case LifeLock shall using your Personal Information you have provided LifeLock to provide you:

(i) annually a copy of your tri-bureau credit report;

(ii) annually your tri-bureau credit scores;

(iii) daily credit monitoring and alerts from all three credit reporting agencies; and

(iv) monthly single-bureau credit scores.

If you fail to complete the additional authentication process within 30 days of your enrollment in the LifeLock Credit Score Manager™ service, LifeLock may terminate your enrollment in the Credit Score Manager™ service without any further notice. LifeLock Credit Score Manager service may not be available through all third-party partners of LifeLock.

You understand that there are numerous credit scores and models available in the marketplace and lenders may use a different score when evaluating your creditworthiness. If you have questions regarding your credit score or would like to dispute information in your credit file, you may request an investigation by contacting the credit reporting company that supplied the information, as indicated in your credit report. You understand that you may obtain a copy of your credit score from a credit reporting agency for a statutorily set fee, pursuant to 609(f) of the Fair Credit Reporting Act.

THE SERVICE GUARANTEE CONTAINED IN SECTION 3 ABOVE DOES NOT APPLY TO LIFELOCK CREDIT SCORE MANAGER.