Throughout this COI, You and Your refer to the person who is a member in the Membership Program. Membership must not have expired or been canceled by You or LifeLock. We, Us, Our and State National refer to State National Insurance Company, Inc. In addition, when in bold, certain words and phrases are defined as follows:
Administrator means cynoSure Financial, Inc. Administrator has been retained to adjust all claims that are covered under the Master Policy. You may contact LifeLock at 1-800-LIFELOCK (1-800-543-3562) or Administrator if You have questions regarding this COI or would like to make a claim. Administrator can be reached by phone at 1-855-552-8999, by mail at P.O. Box 7691, St. Clair Shores, MI 48080, or by email at email@example.com.
Certificate of Insurance or COI means this document. The COI describes the terms, conditions and exclusions of coverage under the Master Policy. The COI is the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this COI are not a part of Your coverage.
Commencement Date means the date on which You become covered under the Master Policy, which shall be the earlier of October 1, 2011 or the date on which You become enrolled in a LifeLock Membership Program.
Coverage Period means the period starting on the Commencement Date and will continue as long as you are enrolled in a Membership Program with LifeLock.
Loss means any of the coverages provided under the Master Policy and described in Section B of this COI below.
Membership Program means those plans and programs offered by LifeLock to its Members both presently and in the future, including without limitation: LifeLock® services, LifeLock Command Center® services, LifeLock Junior®, and LifeLock Ultimate®.
Stolen Identity Event means an occurrence after the Commencement Date and before the Termination Date which includes a single act or a series of related acts, whether committed by one or more persons, of theft of Your personal information, including without limitation, Your personal identification, social security number, or other method of identifying You, or one or more uses of such stolen information to establish or use a deposit, credit or other personal account, secure a loan, enter into a contract or commit a crime. Stolen Identity Event shall not include the fraudulent use of Your business name, or any other method of identifying any business activity of yours.
Stolen Funds Loss means the principal amount, exclusive of interest or fees, incurred by You and caused by an Unauthorized Funds Transfer. Stolen Funds Loss does not include any amount for which You did not seek reimbursement from the financial or credit institution holding the account from which the funds were stolen or any amount for which You receive reimbursement from any source.
Termination Date means the earlier of the date You cease to be enrolled in a Membership Program or the date the Master Policy is cancelled or terminated.
Unauthorized Funds Transfer means a transfer of funds from Your account that is initiated by a person who does not have actual authority to initiate the transfer and from which You receive no benefit. Unauthorized Funds Transfer does not include an electronic funds transfer initiated: by a person who was given a credit or debit card or other access to the account, unless You have notified the institution holding the account that such person is no longer authorized to access the account; with fraudulent intent by You or any person acting in concert with You, or by the financial institution holding the account or its employees. Unauthorized Funds Transfer is limited to withdrawals from, deposits to, or utilization of any U.S. regulated and domiciled bank account, brokerage account, credit/debit card account, or store charge card account.