Identity Monitoring & Protection Portal

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v3 - December 1st 2021

This Terms of Use was last revised on December 1, 2021.

PLEASE READ THIS AGREEMENT CAREFULLY. IT SETS FORTH THE LEGALLY BINDING AGREEMENT AND CONDITIONS FOR YOUR USE OF THE SITE. THESE TERMS REQUIRE YOU ARBITRATE ANY DISPUTES YOU HAVE WITH US AND YOU WAIVE THE ABILITY TO BRING CLAIMS AGAINST US IN A CLASS ACTION FORMAT.

To view, print or download the Terms of Use click here. To view, print or download our full Privacy Notice, click here.

Introduction

Welcome to the Sontiq website. This website is owned and operated by Sontiq, Inc. (“Sontiq” “we”, “our”, or “us”). This Terms of Use (“Agreement”) governs your use of www.Sontiq.com and your use of any interactive features, widgets, plug-ins, mobile applications (including but not limited to the IdentityForce and Sontiq (MySontiq or Sontiq Business Suite) mobile applications (the “App”)), content, downloads and/or other online services that we own and control and that post a link to this Agreement (collectively, the “Site”). The Agreement contains the terms and conditions upon which you (“you” or the “member”) may access the Site or purchase any products or services through the Site.

Authorization to Access Credit Report

Credit reports and access to credit data is only provided to North American users in either the United States or Canada.

For Credit Report/Credit Monitoring users based in the United States

You understand that by clicking on any “I AGREE” button on the Site, you are providing “written instructions” to Sontiq and TransUnion LLC under the Fair Credit Reporting Act (“FCRA”) authorizing Sontiq and TransUnion LLC to obtain information from your personal credit profile, including debts related to medical services, from TransUnion. You agree that the information you provide is true and correct, that you are the person whose credit report is being requested, and that you are at least eighteen (18) years of age. You authorize the above parties to obtain such information solely for the purpose of accessing your credit report to verify your identity in order to avoid fraudulent transactions in your name and to provide credit reporting, monitoring, scoring and other credit related products. Under FCRA laws, any person who knowingly and willfully obtains a credit report under false pretenses (for example getting a credit report on an individual without their consent), shall be fined under title 18, United States Code, imprisoned not more than two (2) years, or both.

For Credit Report/Credit Monitoring users based in Canada

You understand that by clicking on any “I AGREE” button on the Site, you are providing “written instructions” to Sontiq and TransUnion Interactive authorizing Sontiq and TransUnion Interactive to obtain information from your personal credit profile from TransUnion. You agree that the information you provide is true and correct, that you are the person whose credit report is being requested, and that you are at least eighteen (18) years of age. You authorize the above parties to obtain such information solely for the purpose of accessing your credit report to verify your identity in order to avoid fraudulent transactions in your name and to provide credit reporting, monitoring, scoring and other credit related products. All rights afforded under PIPEDA, or substantially similar provincial legislation, apply to users in Canada.

Privacy Notice and Additional Terms

By using the Site, you acknowledge and accept the Site’s Privacy Notice and consent to the collection and use of your data in accordance with the Privacy Notice. Each time you access and/or use the Site (other than to simply read this Agreement), you agree to be bound by and comply with the Agreement and any Additional Terms (defined below) then posted. Therefore, do not use the Site if you do not agree.

In some instances, both this Agreement and separate guidelines, rules, or terms of use or sale setting forth additional or different terms and/or conditions will apply to your use of the Site or to a service or product offered via the Site (in each such instance, and collectively “Additional Terms”). To the extent there is a conflict between this Agreement and any Additional Terms, the Additional Terms will control unless the Additional Terms expressly state otherwise.

Data Protection

We take data protection very seriously. We take all reasonable steps to ensure that your personal information (“data”) is secure and processed in accordance with all applicable data protection laws and regulations.

Data Protection for users based in European Union member Countries
In particular, to the extent that you are an EU resident we will process your data in accordance with the requirements of the EU General Data Protection Regulation (Regulation (EU) 2016/679 (“GDPR”)).

To the extent that you are an EU resident and your data is transferred to a third party for any processing purposes, we secure contractual commitments from such third parties and take such reasonable steps as are necessary to ensure that they also meet the requirements of the GDPR as appropriate and provide at least an equivalent level of protection for your data as we do. We have a legitimate interest in requesting that you provide us with certain data as provision of the particular data that we will request from you is necessary in order to allow us to provide our service(s) to you. Equally you have a legitimate interest in providing that data to us in order to allow us to fulfil your request for our professional service(s).

1. Site Content, Ownership, Limited License, and Rights of Others

A. Content. The Site contains a variety of: (i) materials and other items relating to Sontiq and its products and services, and similar items from our licensors and other third parties, including all layout, information, articles, posts, text, data, files, images, scripts, designs, graphics, button icons, instructions, illustrations, photographs, audio clips, music, sounds, pictures, videos, advertising copy, URLs, technology, software, interactive features, the “look and feel” of the Site, and the compilation, assembly, and arrangement of the materials of the Site and any and all copyrightable material (including source and object code); (ii) trademarks, logos, trade names, trade dress, service marks, and trade identities of various parties, including those of Sontiq, its clients, and its vendors including but not limited to TransUnion®, Experian®, Equifax®, AIG®, Assurant®, or Hamilton Insurance DAC® (collectively, “Trademarks”); and (iii) other forms of intellectual property (all of the foregoing, collectively, “Content”).

B. Ownership. The Site and the Content are owned or controlled by Sontiq and our licensors and certain other third parties. All right, title, and interest in and to the Content available via the Site is the property of Sontiq or our licensors or certain other third parties, and is protected by U.S. and international copyright, trademark, trade dress, patent and/or other intellectual property and unfair competition rights and laws to the fullest extent possible. Sontiq owns the copyright in the selection, compilation, assembly, arrangement, and enhancement of the Content on the Site.

C. Limited License. Subject to your strict compliance with this Agreement and the Additional Terms, Sontiq grants you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to: download (temporary storage only when accessing via a standard Internet browser), display, view, use, play, and/or print one (1) copy of the Content on a personal computer, mobile phone or other wireless device, or other Internet enabled device (each, a “Device”) for your personal, non-commercial use only. The foregoing limited license: (i) does not give you any ownership of, or any other intellectual property interest in, any Content, and (ii) may be immediately suspended or terminated for any reason, in Sontiq’s sole discretion, and without advance notice or liability. In some instances, we may permit you to have greater access to and use of Content, subject to certain Additional Terms. If you enroll in certain of our subscription-based products or services, during your Subscription Term (defined below), we provide you with a non-exclusive and revocable license to access and/or download our online protection tools and other services available through our App.

2. Membership and Payment Terms

Sontiq can only provide certain products and services to those individuals who are either U.S. or Canadian citizens or residents while other products and services may be available to residents of specific countries outside of North America as specifically made available on the Site. Depending upon the membership or other services you enroll in, register for, or otherwise sign up for or subscribe to use (collectively, “enroll”), we may permit you to be enrolled: (i) by telephone, (ii) at our Site, (iii) by some other method we expressly permit, or (iv) by a third party who is authorized to enroll you on your behalf (collectively, the “Enrollment Process”). If your membership is paid for by a third party, you will not be asked to provide payment information and you will not be charged for the membership program you enroll in. Otherwise, Sontiq will charge the membership fee and each renewal fee to your credit card or bank account, at the then prevailing rate and your membership will continue automatically. Sontiq will charge this membership fee to the credit card or bank account that was most recently used on the Site or otherwise provided at the time of registration. By submitting your credit card or bank account information to us, you hereby agree that you authorize us to charge your card or your bank account, as applicable, at our convenience but in any event within thirty (30) days of initial credit card or bank account authorization and thereafter automatically within thirty (30) days after each renewal date. Should your credit card or online check fail to authorize, you will be notified via email to the email address provided to us by you. The benefits of your membership (including, without limitation, online credit reports and monitoring alerts) may be suspended until payment is received. If payment is not received within thirty (30) days, any previous alerts you have received may be purged from our database, and your membership may be cancelled. You agree that Sontiq will not be liable to you or any third party for termination of your membership or access to the Site.

Subscription Term & Termination

Except in the event of a trial offer, your subscription will commence as of the date your payment for a subscription is received by Sontiq. Your subscription will continue in full force for the length of the term you specifically purchased or on a month-to-month term until such time as you cancel the subscription as further explained below (the “Subscription Term”). In the event that you cancel a subscription in the middle of your Subscription Term, you will be entitled to receive a refund for the unused portion of the remainder of that Subscription Term. Sontiq will have the right, upon written notice to you, to terminate this Agreement, and suspend your access to your subscription, if: (a) you fail to pay Sontiq any amount due to Sontiq under this Agreement; and/or (b) you materially breach any term or condition of this Agreement. Sontiq shall have the right to terminate this Agreement and suspend your access to your subscription with or without cause, upon thirty (30) days written notice to you in which case you will no longer be charged for access to the subscription. Upon the expiration or termination of this Agreement for any reason, your access to, and use of, your subscription will terminate.

Trial Period/Promotional Offerings

We may offer promotional trial subscriptions to access the Site for a limited time or at special discounted prices. If you sign up for a trial use, your rights to use the Site are limited by the terms of such trial and will terminate or renew on the terms of your trial arrangement and/or any applicable Additional Terms. Please be aware that when you sign up for a trial period, you will be required to provide your credit card number and Sontiq will confirm your credit card is valid. When we process your credit card, some credit card companies may place a temporary hold on your account for your first payment. Please contact your credit card company if you have questions. Please note that we do not provide price protection or refunds in the event of a price drop or promotional offering.

ONCE YOUR TRIAL PERIOD ENDS, WE, OR A THIRD-PARTY PAYMENT PROCESSOR ON OUR BEHALF, WILL BEGIN BILLING YOUR DESIGNATED PAYMENT METHOD ON A RECURRING BASIS FOR YOUR SUBSCRIPTION (PLUS ANY APPLICABLE TAXES AND OTHER CHARGES) FOR AS LONG AS YOUR SUBSCRIPTION CONTINUES, UNLESS YOU CANCEL YOUR SUBSCRIPTION PRIOR TO THE END OF YOUR TRIAL PERIOD. INSTRUCTIONS FOR CANCELING YOUR MEMBERSHIP SUBSCRIPTION ARE DESCRIBED BELOW. PLEASE NOTE THAT, DEPENDING ON YOUR METHOD OF PAYMENT USED, YOU MAY OR MAY NOT RECEIVE A NOTICE FROM US THAT YOUR TRIAL PERIOD HAS ENDED OR THAT THE PAID PORTION OF YOUR SUBSCRIPTION HAS BEGUN. WE RESERVE THE RIGHT TO MODIFY OR TERMINATE TRIAL PERIOD AT ANY TIME, WITHOUT NOTICE AND IN OUR SOLE DISCRETION.

Communications with Credit Reporting Agencies

As a condition to purchasing any products, services or membership packages from Sontiq, you agree to authorize us to act as agent on your behalf and in your name for all purposes in communications and other dealings with any credit bureau to the extent necessary for Sontiq to deliver the products, services or packages purchased by you. The communications and other dealings may involve, amongst other things, placing a fraud alert on your credit file and opting out of marketing list sales where applicable and available in your local jurisdiction

Auto-Renewal of Membership

Certain memberships as indicated at the time of purchase, such as monitoring products and identity theft insurance will automatically renew at the end of your Subscription Term continuously and indefinitely without action by the member, and the membership fee is charged to the member at the time of renewal. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is cancelled by the enrolled member as set forth in the paragraph below. By providing your payment method information for your subscription, you are agreeing to pay a subscription fee, that will automatically renew, at the then current rate, unless you cancel prior to the expiration of the current Subscription Term, and any applicable taxes and service fees (collectively, “Fees”). The Fees will be charged to your original payment method automatically at the beginning of your Subscription Term, and at the beginning of each renewal Subscription Term thereafter on the calendar day corresponding to the commencement of your current Subscription Term, unless you cancel your subscription or your account is suspended or terminated pursuant to this Agreement. The renewal Subscription Term will be the same length as your initial Subscription Term unless otherwise disclosed to you at the time of sale. The rate for the renewal Subscription Term will be the then current subscription-rate. The Fees charged to your payment method may vary from Subscription Term to Subscription Term due to changes in your subscription plan or applicable taxes, and you authorize Sontiq to charge your payment method for these amounts. Sontiq reserves the right to change the pricing of subscription at any time. In the event of a price change, Sontiq will post the new pricing on the Site and attempt to notify you in advance by sending an email to the address you have registered for your account. You agree that we may change the pricing we charge you for your subscription and any products/services offered in your subscription package by providing you with notice through an electronic communication from us and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You consent to our ability to change our pricing and the details of our subscription packages through an electronic communication to you. If you do not wish to accept a price or subscription package change made by us, you may cancel your subscription as described below, otherwise you will be deemed to have consented to the price/subscription package change and authorize Sontiq to charge the new Fees to your payment method. If there are any discrepancies in billing, you hereby waive your right to dispute such discrepancies if you do not notify Sontiq within sixty (60) days after they first appear on an account statement.

Cancellation of Membership

A member will have the right to cancel membership at any time upon notice to Sontiq.

If you are a U.S. resident: you can cancel by phone at (888) 676-6847 or, if you purchased your membership at www.IdentityForce.com or any Sontiq-branded website, you can cancel your membership from the Manage Account section of your member dashboard. Upon cancellation, the member loses access to the areas of the Site designated for members only. This could include any credit and other data and analyses that have been displayed during your membership.

If you are a Canadian resident: you can cancel by phone at (866) 272.1223 or, if you purchased your membership at IdentityForce.com or any Sontiq-branded website, , you can cancel your membership from the Manage Account section of your member dashboard.

If you are a resident of a country outside of North America: you can cancel by phone by calling us at: +1 (866) 205-5983, or (508)-644-8726. You can also reach out to us by email at [email protected] Upon cancellation, the member loses access to the areas of the Site designated for members only. This could include any credit and other data and analyses that have been displayed during your membership.

Purchases Generally

To purchase any products or services, you must be at least eighteen (18) years of age or the applicable age of majority in your jurisdiction of residence. All prices displayed are quoted in U.S. dollars. Prior to the purchase of any products or services from us, you must provide us with a valid credit card number and associated payment information including all of the following: (i) your name as it appears on the card, (ii) your credit card number, (iii) the credit card type, (iv) the date of expiration, and (v) any activation numbers or codes needed to charge your card. By submitting that information to us or our third-party credit card processor, you agree that you authorize us and/or our processor to charge your card at our convenience but within thirty (30) days of credit card authorization. For any product or service (including subscriptions) that you order on the Site, you agree to pay the price applicable (including any sales taxes and surcharges) as of the time you submit the order. Sontiq will automatically bill your credit card or other form of payment submitted as part of the order process for such price.

In order to enroll in, register for and receive one or more services or memberships, you must provide us with the full and accurate personal information that we require for the applicable services, which may include without limitation, your name, address, telephone number, email address, date of birth, driver’s license number, Social Security Number/Social Insurance Number, and other personal information to verify your identity, as well as financial information such as your credit card number. You agree to keep all personal information updated and accurate. In the event we do not receive all the required personal information during your Enrollment Process, you agree that we may, in our sole discretion, use our database, the database of our affiliates, or other resources to attempt to complete the required personal information on your behalf. If we are unable to obtain the required personal information or you fail to authenticate your identity as may be required, the services for which you have enrolled or registered from us may be limited. Upon completion of the Enrollment Process, and payment to us of any fees owed, you will become eligible to receive the services for which you have enrolled or registered.

YOU REPRESENT THAT YOU ARE A NATURAL PERSON OVER EIGHTEEN (18) YEARS OF AGE, THAT YOUR ACCESS TO OR USE OF THE SITE DOES NOT VIOLATE APPLICABLE LAWS, AND THAT YOU AGREE WITH ALL THE TERMS OF THIS AGREEMENT. FURTHER, IF YOU ENROLL IN OR USE OUR CREDIT MONITORING SERVICE AND/OR ANY OF OUR PROTECTION PROGRAMS, YOU ALSO REPRESENT AND WARRANT THAT YOU HAVE PROVIDED US WITH YOUR VALID SOCIAL SECURITY NUMBER (IN THE U.S.), SOCIAL INSURANCE NUMBER (IN CANADA), OR OTHER NATIONAL IDENTIFICATION NUMBER (IF OUTSIDE OF THE U.S./CANADA), AND THAT YOU SHALL ONLY USE SUCH SERVICES IN CONNECTION WITH YOUR PERSONAL AND BUSINESS ACCOUNTS THAT ARE DIRECTLY ASSOCIATED WITH YOUR VALID SOCIAL SECURITY NUMBER/SOCIAL INSURANCE NUMBER/NATIONAL IDENTIFICATION NUMBER.

Methods of Payment, Credit Card Terms and Taxes

All payments must be made using a payment card such as Visa, MasterCard, Discover or American Express. Your card issuer agreement governs your use of your designated card, and you must refer to that agreement and not these Terms to determine your rights and liabilities as a cardholder. You represent and warrant that you will not use any credit card or other form of payment unless you have all necessary legal authorization to do so. YOU, AND NOT Sontiq, ARE RESPONSIBLE FOR PAYING ANY UNAUTHORIZED AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY. You agree to pay all fees and charges incurred in connection with your purchases (including any applicable taxes) at the rates in effect when the charges were incurred. Unless you notify Sontiq of any discrepancies within sixty (60) days after they first appear on your credit card statement, you agree that they will be deemed accepted by you for all purposes. If Sontiq does not receive payment from your credit card issuer or its agent, you agree to pay all amounts due upon demand by Sontiq or its agents. Sales taxes, or other taxes, customs, import/export charges, or similar governmental charges are not included in the price of the products. You are responsible for paying any such taxes or charges imposed on your purchases, including, but not limited to, sales, use or value-added taxes. Sontiq shall automatically charge and/or withhold the applicable tax for orders in any states or localities that it deems is required in accordance with our order policy in effect at the time of purchase.

Refund Policy

All purchase transactions made through the Site are subject to Sontiq’s refund policy in effect at the time of purchase. Currently, Sontiq’s refund policy is that in the event that you cancel a subscription in the middle of your Subscription Term, you will be entitled to receive a refund for the unused portion of the remainder of that Subscription Term.

Order Acceptance Policy

Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. Sontiq reserves the right at any time after receipt of your order to accept or decline your order for any reason. Sontiq further reserves the right any time after receipt of your order, without prior notice to you, to supply less than the quantity you ordered of any item. Your order will be deemed accepted by Sontiq after you sign-up and accept this Agreement. We may require additional verifications or information before accepting any order. Notwithstanding the foregoing, you agree that, if we cancel all or a portion of your order or if we provide you less than the quantity you ordered, your sole and exclusive remedy is either that: (a) we will issue a credit to your credit card account in the amount charged for the cancelled portion or the quantity not provided (if your credit card has already been charged for the order); or (b) we will not charge your credit card for the cancelled portion of the order or the quantity not provided. Do not assume that a cancellation or change of an order you have placed with Sontiq is effective until you receive a confirmation from Sontiq via email or the Site. As stated above, you will be responsible for, and your credit card or third-party payment account may be charged for, the payment of all fees associated with orders already processed or shipped before your cancellation/change request or a request to terminate your account was received.

No Responsibility to Sell Mispriced Products or Services

We do our best to describe every item, product or service offered on this Site as accurately as possible. However, we are human, and therefore we do not warrant that specifications or pricing on the Site is complete, accurate, reliable, current, or error-free. In the event of any errors relating to the pricing or specifications of any item, product or service, Sontiq shall have the right to refuse or cancel any orders in its sole discretion. If we charged your credit card or other account prior to cancellation, we will issue a credit to your account in the amount of the charge. Additional terms may apply.

Modification to Prices or Billing Terms

The purchase of products and services on the Site is subject to availability. PRODUCTS AND SERVICES DISPLAYED ON THE SITE MAY NOT BE AVAILABLE AT ALL TIMES AND MAY BE SUBSTITUTED OR DISCONTINUED AT ANY TIME. SONTIQ RESERVES THE RIGHT, AT ANY TIME, TO CHANGE ITS PRICES AND BILLING METHODS FOR SERVICES SOLD, EFFECTIVE IMMEDIATELY UPON POSTING ON THE SITE OR BY E-MAIL DELIVERY TO YOU.

3. Site and Content Use Restrictions

You may not use the Site or any Content in a manner which is prohibited by this Agreement. All rights not expressly granted to you are reserved by Sontiq and its licensors and other third parties.

A. Site Use Restrictions. You agree that you will not: (i) aside from your purchase of goods or services offered for sale by Sontiq or its affiliates, use the Site for any political or commercial purpose; (ii) use any meta tags or any other “hidden text” utilizing any Trademarks; (iii) engage in any activities through or in connection with the Site that seek to attempt to or do harm to any individuals or entities or are unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right of any third party, or are otherwise objectionable to Sontiq; (iv) reverse engineer, decompile, disassemble, reverse assemble, or modify any Site source or object code or any software or other products, services, or processes accessible through any portion of the Site; (v) engage in any activity that interferes with your access to the Site or the proper operation of the Site, or otherwise causes harm to the Site, Sontiq, or other users of the Site; (vi) interfere with or circumvent any security feature of the Site or any feature that restricts or enforces limitations on use of or access to the Site, the Content, or the User-Generated Content (defined below); (vii) harvest or otherwise collect or store any information (including personally identifiable information about other users of the Site, including e-mail addresses, without the express consent of such users); (viii) attempt to gain unauthorized access to the Site, other computer systems or networks connected to the Site, through password mining or any other means; (ix) forge headers, create a false identity or otherwise manipulate identifiers in order to deceive others or disguise the origin of any Content transmitted to or via the Site; (x) use the Site to solicit others to join or become members of any other commercial online service or other organizations or (xi) otherwise violate this Agreement or any Additional Terms.

B. Content Use Restrictions. You also agree that, in using the Site: (i) you will not monitor, gather, copy, or distribute the Content (except as may be a result of standard search engine activity or use of a standard browser) on the Site by using any robot, rover, “bot”, spider, scraper, crawler, spyware, engine, device, software, extraction tool, or any other automatic device, utility, or manual process of any kind; (ii) you will not frame or utilize framing techniques to enclose any such Content (including any images, text, or page layout); (iii) you will keep intact all Trademark, copyright, and other intellectual property notices contained in such Content; (iv) you will not use such Content in a manner that suggests an unauthorized association with any of our or our licensors’ products, services, or brands; (v) you will not make any modifications to such Content; (vi) you will not copy, modify, reproduce, archive, sell, lease, rent, exchange, create derivative works from, publish by hard copy or electronic means, publicly perform, display, disseminate, distribute, broadcast, retransmit, circulate or transfer to any third party or on any third-party application or website, or otherwise use or exploit such Content in any way for any purpose except as specifically permitted by this Agreement or any Additional Terms or with the prior written consent of an officer of Sontiq or, in the case of Content from a licensor, the owner of the Content; and (vii) you will not insert any code or product to manipulate such Content in any way that adversely affects any user experience.

4. Disclaimer or Warranties

OUR SITE, INCLUDING ALL CONTENT, MEMBERSHIPS, MEMBERSHIP PACKAGES, SUBSCRIPTIONS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU “AS IS”. EXCEPT TO THE EXTENT EXPRESSLY STATED HEREIN, TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER SONTIQ NOR ITS PARTNERS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE SITE OR THE USE THEREOF IN TERMS OF THEIR COMPLETENESS, CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY, FREEDOM FROM COMPUTER VIRUS OR OTHERWISE OR AND WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE; THAT YOU WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES; THAT OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES WILL BE ERROR FREE; THAT DEFECTS WILL BE CORRECTED, THAT THIS SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THERE WILL BE NO UNAUTHORIZED ACCESS TO YOUR PERSONAL INFORMATION. IN ADDITION, EXCEPT FOR THE LIMITED WARRANTY EXPRESSLY SET FORTH IN THIS AGREEMENT UNDER THE SECTION ENTITLED “LIMITED WARRANTY”, SONTIQ AND ITS PARTNERS EXPRESSLY DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, AS TO TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, MEMBERSHIPS, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK.

5. Limitation of Liability

THE ENTIRE RISK ARISING OUT OF THE USE OF THE SITE, THE USE OF ANY PRODUCTS AND/OR SERVICES OFFERED ON OR IN CONNECTION WITH THE SITE AND/OR THE USE OF ANY CONTENT REMAINS WITH YOU. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER SONTIQ NOR ITS PARTNERS HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES (WHICH SHALL INCLUDE, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, MEMBERSHIPS, 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.

IN NO EVENT SHALL SONTIQ BE LIABLE FOR ANY LOSS OR DAMAGES ARISING OUT OF SONTIQ’S PERFORMANCE OR NON-PERFORMANCE OF ITS SERVICES OR ANY DELAY IN PROVIDING SERVICES NOR SHALL SONTIQ HAVE ANY ADDITIONAL LIABILITY TO YOU EXCEPT AS STATED HEREIN.

YOU UNDERSTAND THAT WE ONLY MONITOR YOUR PERSONAL INFORMATION WITHIN OUR NETWORK USING CERTAIN PROPRIETARY TECHNOLOGIES AND DATABASE INFORMATION OWNED BY OR UNDER LICENSE TO US, BUT NOT ALL TRANSACTIONS, INCLUDING THOSE THAT MIGHT ENTAIL THE POTENTIALLY FRAUDULENT USE OF A CUSTOMER’S INFORMATION, MAY BE MONITORED AND THE SCOPE OF THE NETWORK UTILIZED BY US TO PROVIDE ALERTS MAY CHANGE. YOU ALSO UNDERSTAND AND AGREE THAT IT MAY TAKE UP TO FOUR (4) WEEKS FROM THE DATE YOU ACCEPT THESE SERVICE TERMS AND COMPLETE THE ENROLLMENT PROCESS FOR ALL OF THE SERVICES TO BE FULLY ACTIVATED.

THESE LIMITATIONS WILL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

IN NO EVENT SHALL THE LIABILITY OF SONTIQ EXCEED THE FEES YOU PAID FOR THE SERVICES IN THE PRECEDING TWELVE (12) MONTHS.

6. Indemnification

You agree to, and you hereby, defend, indemnify, and hold Sontiq harmless from and against any and all claims, damages, losses, costs, investigations, liabilities, judgments, fines, penalties, settlements, interest, and expenses (including attorneys’ fees) that directly or indirectly arise from or are related to any claim, suit, action, demand, or proceeding made or brought against Sontiq, arising out of or in connection with: (i) your use of the Site and your activities in connection with the Site; or (ii) your breach or alleged breach of this Agreement or any Additional Terms; (iii) your violation or alleged violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities in connection with your use of the Site or your activities in connection with the Site; (iv) information or material transmitted through your Device, even if not submitted by you, that infringes, violates, or misappropriates any copyright, trademark, trade secret, trade dress, patent, publicity, privacy, or other right of any person or entity; (v) any misrepresentation made by you; and (vi) Sontiq’s use of the information that you submit to us (all of the foregoing, “Claims and Losses”). You will cooperate as fully required by Sontiq in the defense of any Claim and Losses. Notwithstanding the foregoing, Sontiq retains the exclusive right to settle, compromise, and pay any and all Claims and Losses. Sontiq reserves the right to assume the exclusive defense and control of any Claims and Losses. You will not settle any Claims and Losses without, in each instance, the prior written consent of an officer of Sontiq.

7. Identity Theft Insurance & Restoration Services

The identity theft insurance benefit for members is underwritten and administered by any one of the following insurance carriers depending upon your program: AIG®, Assurant, or Hamilton Insurance DAC and/or its affiliates. Coverage is provided under a master group policy issued in the name of Sontiq, Inc. for the benefit of members. A summary of the terms of coverage are set forth on your account dashboard under the “Support” tab. Details identifying your applicable insurance carrier and other policy information can be found there. The complete policy is available from Sontiq on request. Sontiq’s insurance carrier administers all claims and Sontiq shall have no responsibility with respect to such identify theft benefit. Restoration services are provided by Sontiq.

8. Registration and Accurate Information

If you decide to register on our Site, become a member of one of our membership programs, purchase our products or services or participate in our partner programs, contests or surveys, you may be required to register, provide personal information, and select a username and password. If you register for any feature that requires a password and/or username, then you will select your own password at the time of registration (or we may send you an e-mail notification with a randomly generated initial password) and you agree that: (i) You will not use a username (or e-mail address) that is already being used by someone else, may impersonate another person, belongs to another person, violates the intellectual property or other right of any person or entity, or is offensive. We may reject the use of any password, username, or e-mail address for any other reason in our sole discretion; (ii) You will provide true, accurate, current, and complete registration information about yourself in connection with the registration process and, as permitted, to maintain and update it continuously and promptly to keep it accurate, current, and complete; (iii) You are solely responsible for all activities that occur under your account, password, and username – whether or not you authorized the activity; (iv) You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Device so that others may not access any password protected portion of the Site using your name, username, or password; (v) You will immediately notify us of any unauthorized use of your account, password, or username, or any other breach of security; and (vi) You will not sell, transfer, or assign your account or any account rights.

We will not be liable for any loss or damage (of any kind and under any legal theory) to you or any third party arising from your inability or failure for any reason to comply with any of the foregoing obligations.

If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates this Agreement, any Additional Terms, or any applicable law, then we may suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason, and without advance notice or liability.

While Sontiq takes reasonable measures to safeguard and to protect unauthorized access to your personal information, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty, express or implied, that we will prevent unauthorized access to your private information.

9. Free Access to the Credit File Information held by the Credit Bureaus

Notice regarding Access for U.S. users under Fair Credit Reporting Act (FCRA)

The FCRA allows you to obtain from each credit reporting agency a disclosure of all the information in your credit 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 report you are requesting from Sontiq is not intended to constitute the disclosure of information by Experian, Equifax, and/or TransUnion as required by the FCRA or similar laws.

The FCRA provides that you may dispute inaccurate or incomplete information in your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM Sontiq IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE THREE (3) NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.

The FCRA allows you to obtain a free disclosure from every national credit reporting agency of the nature and substance of all information in your file at the time of the request. You may request your free annual report under the FCRA, at www.annualcreditreport.com

In addition, the FCRA allows you to obtain a copy of all of the information in your consumer credit file from consumer reporting agencies for a reasonable charge.

You are also entitled to receive a disclosure free of charge directly from the consumer reporting agency under the following circumstances:

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

The FCRA permits you to dispute inaccurate or incomplete information in your credit file. Accurate information cannot be changed.

You do not have to purchase your credit report or other information from Sontiq to dispute inaccurate or incomplete information in your Experian, Equifax and/or TransUnion file or to receive a copy of your Experian, Equifax and/or TransUnion file.

If you reside in the States of Colorado, Maine, Massachusetts, Maryland, New Jersey, Puerto Rico or Vermont you may receive a free copy of your consumer credit report once per year and if you are a resident of the State of Georgia you may receive two (2) copies per year.

Click here for a full text of your summary of rights under the FCRA.

Notice regarding Access for Canadian users by the Financial Consumer Agency of Canada

Canadian law and rights enforced by the Financial Consumer Agency of Canada allow you to obtain from each of the two major Canadian credit bureaus, a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit bureau must be obtained directly from such bureau. The credit report you are requesting from Sontiq is not intended to constitute the disclosure of information by Equifax Canada and/or TransUnion Canada as required by Canadian laws, Fair Information Practices, or the rights enforced by the Financial Consumer Agency of Canada.

Canadian law provides that you may dispute inaccurate or incomplete information in your credit report and regarding data held about you by other entities. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM SONTIQ IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX CANADA AND/OR TRANSUNION CANADA.

The Financial Consumer Agency of Canada allows you to obtain a free disclosure from both of the national credit bureaus of the nature and substance of all information in your file at the time of the request. Note that Equifax Canada refers to your credit report as “credit file disclosure” while TransUnion Canada refers to your credit report as “consumer disclosure”.

You may request your free annual report:

By mail or fax

Make your request in writing using the forms provided by Equifax and TransUnion
Provide copies of two pieces of acceptable identification, such as a driver's license or passport
You must receive your credit report by mail

By telephone

Call the credit bureau and follow the instructions
- Equifax Canada
  Tel: 1-800-465-7166
- TransUnion Canada
  Tel: 1-800-663-9980 (except Quebec)
  Tel: 1-877-713-3393 (Quebec residents)
Confirm your identity by answering a series of personal and financial questions
You may also need to provide your Social Insurance Number and/or a credit card number to confirm your identity
You must receive your credit report by mail

By accessing online

You may pay a fee to order your credit report online if you want to see it right away. TransUnion allows you to order your credit report online once a month for free.

Canadian law permits you to dispute inaccurate or incomplete information in your credit file. Accurate information cannot be changed.

You do not have to purchase your credit report or other information from Sontiq to dispute inaccurate or incomplete information in your Equifax Canada and/or TransUnion Canada file or to receive a copy of your Equifax Canada and/or TransUnion Canada file.

Click here for a full text and explanation of rights provided by the Financial Consumer Agency of Canada.

10. Feedback You Submit

A. General. Sontiq may now or in the future offer users of the Site the opportunity to post, upload, display, publish, distribute, transmit or otherwise make available on or submit through the Site, messages, text, files, comments, responses, information, content, results, ratings, reviews, suggestions, data, questions, personally identifiable information, or other information or materials and the ideas contained therein (collectively, “User-Generated Content”). Sontiq may allow you to do this through contact us, email, and other communications functionality. Subject to the rights and license you grant in this Agreement, you retain whatever legally cognizable right, title, and interest that you have in your User-Generated Content and you remain ultimately responsible for it.

B. Non-Confidentiality of Your User-Generated Content. Except as otherwise described in the Site’s posted Privacy Notice or any Additional Terms, you agree that: (a) your User-Generated Content will be treated as non-confidential – regardless of whether you mark them “confidential,” “proprietary,” or the like – and will not be returned; and (b) Sontiq does not assume any obligation of any kind to you or any third party with respect to your User-Generated Content. Upon Sontiq’s request, you will furnish us with any documentation necessary to substantiate the rights to such content and to verify your compliance with this Agreement or any Additional Terms. You acknowledge that the Internet and mobile communications may be subject to breaches of security and that you are aware that submissions of User-Generated Content may not be secure, and you will consider this before submitting any User-Generated Content and do so at your own risk. In your communications with Sontiq, please keep in mind that we do not seek any unsolicited ideas or materials for products or services, or even suggested improvements to products or services, including, without limitation, ideas, concepts, inventions, or designs for software, apps, books, websites, products, services or otherwise (collectively, “Unsolicited Ideas and Materials”). Any Unsolicited Ideas and Materials you post on or send to us via the Site are deemed User-Generated Content and licensed to us as set forth below. In addition, Sontiq retains all of the rights held by members of the general public with regard to your Unsolicited Ideas and Materials. Sontiq’s receipt of your Unsolicited Ideas and Materials is not an admission by Sontiq of their novelty, priority, or originality, and it does not impair Sontiq’s right to contest existing or future intellectual property rights relating to your Unsolicited Ideas and Materials.

C. License to Sontiq of Your User-Generated Content. Except as otherwise described in any applicable Additional Terms, which specifically govern the submission of your User-Generated Content), you hereby grant to Sontiq, and you agree to grant to Sontiq, the non-exclusive, unrestricted, unconditional, unlimited, worldwide, irrevocable, perpetual, and cost-free right and license to use, copy, record, distribute, reproduce, disclose, sell, re-sell, sublicense (through multiple levels), display, publicly perform, transmit, publish, broadcast, translate, make derivative works of, and otherwise use and exploit in any manner whatsoever, all or any portion of your User-Generated Content (and derivative works thereof), for any purpose whatsoever in all formats, on or through any means or medium now known or hereafter developed, and with any technology or devices now known or hereafter developed, and to advertise, market, and promote the same. Without limitation, the granted rights include the right to: (a) configure, host, index, cache, archive, store, digitize, compress, optimize, modify, reformat, edit, adapt, publish in searchable format, and remove such User-Generated Content and combine same with other materials, and (b) use any ideas, concepts, know-how, or techniques contained in any User-Generated Content for any purposes whatsoever, including developing, producing, and marketing products and/or services. In order to further effect the rights and license that you grant to Sontiq to your User-Generated Content, you also hereby grant to Sontiq, and agree to grant to Sontiq, the unconditional, perpetual, irrevocable right to use and exploit your name, persona, and likeness in connection with any User-Generated Content, without any obligation or remuneration to you. Except as prohibited by law, you hereby waive, and you agree to waive, any moral rights (including attribution and integrity) that you may have in any User-Generated Content, even if it is altered or changed in a manner not agreeable to you. To the extent not waivable, you irrevocably agree not to exercise such rights (if any) in a manner that interferes with any exercise of the granted rights. You understand that you will not receive any fees, sums, consideration, or remuneration for any of the rights granted in this Section 10(C).

11. Links By You to the Site

We grant you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to create hyperlinks to the Site, so long as: (a) the links only incorporate text, and do not use any Trademarks, (b) the links and the content on your website do not suggest any affiliation with Sontiq or cause any other confusion, and (c) the links and the content on your website do not portray Sontiq or its products or services in a false, misleading, derogatory, or otherwise offensive matter, and do not contain content that is unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right of any third party or are otherwise objectionable to Sontiq.

12. Dispute Resolution and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS

A. Disputes Subject to Arbitration. Sontiq and the member agree to arbitrate all disputes and claims between and among them, including, but not limited to:

claims arising out of or relating to any aspect of the relationship between Sontiq and the member, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory;
claims that arose before this or any prior agreement between Sontiq and the member (including, but not limited to, claims relating to advertising or disclosures of Sontiq); and
claims that may arise after the termination of the Agreement.

Notwithstanding the foregoing, Sontiq and member may bring an individual action in small claims court, provided that it seeks relief that does not affect other members or customers of Sontiq.

Any dispute as to the arbitrability of claims or the scope or enforceability of this arbitration provision, or as to the interpretation of Section 12(B) below, is for the court to decide. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this Section of the Agreement. This arbitration provision contained in this Section of the Agreement shall survive termination of the agreement between us.

B. Starting the Dispute-Resolution Process. A party (i.e., Sontiq or the member) who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Dispute Notice”). The Notice to Sontiq should be sent to the address provided in Section 14 of this Agreement. The Dispute Notice must: (i) provide the member’s mailing address, phone number, and account name (if any); (ii) describe the nature and basis of the claim or dispute; and (iii) set forth the specific relief sought (“Demand”). Thereafter, Sontiq and the member shall confer in good faith to attempt to resolve the claim or dispute. If Sontiq and the member do not reach an agreement to resolve the claim or dispute within forty-five (45) days after the Dispute Notice is received, the member or Sontiq may commence an arbitration proceeding with the Judicial Arbitration and Mediation Services Inc. (“JAMS”).

C. Costs of Arbitration. Sontiq will pay all JAMS filing, administration, and arbitrator fees for any arbitration we initiate. The payment of those fees for any arbitration that the member initiates will be governed by the JAMS’ streamlined Arbitration Rules and Procedures. However, if you initiate an arbitration in accordance with the notice requirements of Section 12(B) and are seeking relief valued at $500US or less (both to the member and Sontiq), Sontiq will pay all JAMS filing, administration, and arbitrator fees. If the member’s claim is for greater than $500US but less than $10,000US, Sontiq will pay all such fees in excess of $20US. After Sontiq receives a notice that the member has commenced an arbitration, Sontiq will promptly reimburse the member for any portion of the filing fee that the member paid that Sontiq has agreed to pay.

If the arbitrator finds that either the substance of the member’s claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all JAMS filing, administration, and arbitrator fees shall be governed by the JAMS Rules, and the member agrees to reimburse Sontiq for any amounts it paid on to JAMS on the member’s behalf.

D. Arbitration Procedures. The arbitrator shall be bound by the terms of this arbitration provision. The arbitration will be governed by the JAMS’ streamlined Arbitration Rules and Procedures (collectively, “JAMS Rules”), as modified by this arbitration provision. JAMS shall administer the arbitration. If JAMS is unavailable, the arbitration will be administered by another arbitration provider that the parties agree to or that the court selects.

Unless Sontiq and the member otherwise agree, any arbitration hearings will take place in the county (or parish) of the member’s residence at the time of the filing of the Demand with JAMS. If the member brings a claim for $10,000US or less, we agree that the member may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the JAMS Rules. If the member’s claim exceeds $10,000US, the right to a hearing will be determined by the JAMS Rules.

Arbitrators shall be bound by rulings in prior arbitrations involving the same customer to the extent required by applicable law.

Unless the parties agree otherwise, Sontiq and the member must bring all directly related claims in a single arbitration proceeding. If Sontiq or the member later initiate a subsequent arbitration asserting claims that are directly related to ones that were raised in a prior arbitration between the same parties, JAMS or the arbitrator shall either: (i) consolidate the subsequent arbitration with the earlier proceeding if it is ongoing; or (ii) dismiss any claims raised in the subsequent arbitration that would be barred by applicable law if brought in court.

Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Although under some laws Sontiq may have a right to an award of attorneys’ fees and expenses if it prevails in an arbitration, Sontiq agrees that it will not seek such an award unless the member is represented by an attorney and the arbitrator has determined that the member’s claim is frivolous or brought for an improper purpose (as measured by the standards of Federal Rule of Civil Procedure 11(b)).

E. Prohibition of Class or Representative Actions and Non-Individualized Relief. Sontiq AND THE MEMBER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN THEIR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY PURPORTED CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING. Further, unless both Sontiq and the member agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a class, representative, or private attorney general proceeding. The arbitrator may award any relief that a court could award, so long as the relief is individualized to the claimant and would not affect other Sontiq members or customers. Neither Sontiq nor the member may seek non-individualized relief that would affect other Sontiq members or customers. If a court decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court.

F. Future Changes to Agreement to Arbitrate. Notwithstanding any provision in this Agreement to the contrary, we agree that if Sontiq makes any future change to this arbitration provision (other than a change to the address in the Notice Section, website links, or telephone numbers outlined in this Agreement), any such changes will not affect disputes that arose before the effective date of the change.

13. Updates to Agreement

THIS AGREEMENT AND CONDITIONS UNDER WHICH WE OFFER THE SITE MAY PROSPECTIVELY BE MODIFIED AND WE MAY CEASE OFFERING THE SITE UNDER THE AGREEMENT OR ADDITIONAL TERMS FOR WHICH THEY WERE PREVIOUSLY OFFERED. ACCORDINGLY, EACH TIME YOU SIGN IN TO OR OTHERWISE USE THE SITE YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON THE THEN APPLICABLE AGREEMENT AND CONDITIONS AND YOU AGREE THAT WE MAY NOTIFY YOU OF OTHER AGREEMENTS BY POSTING THEM ON THE SITE (OR IN ANY OTHER REASONABLE MANNER OF NOTICE WHICH WE ELECT), AND THAT YOUR USE OF THE SITE AFTER SUCH NOTICE CONSTITUTES YOUR GOING FORWARD AGREEMENT TO THE OTHER AGREEMENT FOR YOUR NEW USE AND TRANSACTIONS. Therefore, you should review the posted Terms of Use and any applicable Additional Terms each time you use the Site. The Additional Terms will be effective as to new use and transactions as of the time that we post them, or such later date as may be specified in them or in other notice to you. However, the Agreement (and any applicable Additional Terms) that applied when you previously used the Site will continue to apply to such prior use (i.e., changes and additions are prospective only) unless mutually agreed. In the event any notice to you of new, revised or Additional Terms is determined by a tribunal to be insufficient, the prior agreement shall continue until sufficient notice to establish a new agreement occurs. You can reject any new, revised or Additional Terms by discontinuing use of the Site and related services.

14. Notices

You should send any notices or other communications regarding our Site, your membership, products or services to Sontiq, Inc., 9920 Franklin Square Drive, Suite 250, Nottingham, MD, 21236, USA.

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. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you wish to update your registration information, please log in to your account or:

· If a U.S. resident contact Customer Service at (888) 676-6847.

· If a Canadian resident contact Customer Service at (866) 272-1223.

· If you are a resident of a country outside of the U.S. and Canada, you can contact Customer Service by calling us at: +1(866) 205-5983, or 508-644-8726 or via email to: [email protected].

15. Miscellaneous

A. Applicable Law. This Agreement will be governed by and construed in accordance with, and any Dispute and Excluded Dispute will be resolved in accordance with, the laws of the Commonwealth of Massachusetts, without regard to its conflicts of law provisions.

B. Relationship of the Parties. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Sontiq as a result of this Agreement, our Privacy Notice or any use of the Site.

C. Operation of Site; Availability of Products and Services; International Issues. Sontiq controls and operates the Site from its U.S.-based offices in the U.S.A. The Site may describe products and services that are available only in the U.S.A. (or only parts of it) and are not available worldwide. We reserve the right, without any limitation, to: (i) investigate any suspected breaches of the Site’s security or its information technology or other systems or networks; (ii) investigate any suspected breaches of this Agreement and any Additional Terms; (iii) investigate any information obtained by us in connection with reviewing law enforcement databases or complying with criminal laws; (iv) involve and cooperate with law enforcement authorities in investigating any of the foregoing matters; (v) prosecute violators of this Agreement and any Additional Terms. We reserve the right to limit the availability of the Site and/or the provision of any content, program, product, service, or other feature described or available on the Site to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, product, Site, or other feature that we provide. You and we disclaim any application to this Agreement of the Convention on Contracts for the International Sale of Goods. You may not use or export the any software or materials made available on the Site in violation of U.S. export laws and regulations.

D. Severability; Interpretation. If any provision of this Agreement, or any Additional Terms, is for any reason deemed invalid, unlawful, void, or unenforceable by a court or arbitrator of competent jurisdiction, then that provision will be deemed severable from this Agreement or the Additional Terms, and the invalidity of the provision will not affect the validity or enforceability of the remainder of this Agreement or the Additional Terms (which will remain in full force and effect). Section headings are provided for convenience only and shall not limit the full Agreement.

E. Termination; Survival. Sontiq reserves the right to discontinue the Site, in whole or in part, or, except as may be expressly set forth in any Additional Terms, suspend or terminate your access to it, in whole or in part, including any user accounts or registrations, at any time, without notice, for any reason and without any obligation to you or any third party. Upon suspension or termination of your access to the Site, or upon notice from Sontiq, all rights granted to you under this Agreement or any Additional Terms will cease immediately, and you agree that you will immediately discontinue use of the Site. The provisions of this Agreement and any Additional Terms, which by their nature should survive your suspension or termination will survive, including the rights and licenses you grant to Sontiq in this Agreement, as well as the indemnities, releases, disclaimers, and limitations on liability and the provisions regarding jurisdiction, choice of law, no class action, and mandatory arbitration.

F. Assignment. Sontiq may assign its rights and obligations under this Agreement and any Additional Terms, in whole or in part, to any party at any time without any notice. This Agreement and any Additional Terms may not be assigned by you, and you may not delegate your duties under them, without the prior written consent of an officer of Sontiq.

G. No Waiver. Except as expressly set forth in this Agreement or any Additional Terms, (i) no failure or delay by you or Sontiq in exercising any of rights, powers, or remedies under will operate as a waiver of that or any other right, power, or remedy, and (ii) no waiver or modification of any term of this Agreement or any Additional Terms will be effective unless in writing and signed by the party against whom the waiver or modification is sought to be enforced.

H. Entire Agreement. This Agreement and our Privacy Notice constitute the entire agreement between you and Sontiq with respect to the Site, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Sontiq with respect to the Site.

16. Terms Applicable For Accessing The App Through An Apple Device

If you are accessing or using the Sontiq App through a Device manufactured and/or sold by Apple, Inc. (“Apple”, with such a device herein referenced as an “Apple Device”):

(i) To the extent that you are accessing the App through an Apple Device, you acknowledge that this Agreement is entered into between you and Sontiq and, that Apple is not a party to this Agreement other than as third-party beneficiary as contemplated below.

(ii) The license granted to you in Section 1 of this Agreement is subject to the permitted Usage Rules set forth in the Apple App Store Terms and Conditions (see: http://www.apple.com/legal/itunes/us/terms.html) and any third party terms of agreement applicable to the App.

(iii) You acknowledge that Sontiq, and not Apple, is responsible for providing the App and Content thereof.

(iv) You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or any support services to you with respect to the App.

(v) To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App.

(vi) Notwithstanding anything to the contrary herein, and subject to the terms in this Agreement, you acknowledge that, solely as between Apple and Sontiq, Sontiq and not Apple is responsible for addressing any claims you may have relating to the App, or your possession and/or use thereof, including, but not limited, to: (i) product liability claims, (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

(vii) Further, you agree that if the App, or your possession and use of the App, infringes on a third party’s intellectual property rights, you will not hold Apple responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claims.

(viii) You acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement, and that, upon your acceptance of the terms and conditions of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary thereof.

(ix) When using the App, you agree to comply with any and all third-party terms that are applicable to any platform, website, technology or service that interacts with the App.

(x) You represent and warrant that: (i) you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

v2 - December 1st 2021

PRIVACY NOTICE

This Privacy Notice was last revised on December 1, 2021

Sontiq, Inc., is now a TransUnion company. Please note that this Sontiq Privacy Notice does not cover any products offered by another TransUnion company.

This Privacy Notice describes how we collect, use, share, and protect the Personal Information you may provide to us and we collect about you. It applies to Personal Information you may supply when you use our websites, mobile apps, and other online services we provide that link to this Privacy Notice (“Site”).

When we process your Personal Information, we will always apply the core principles we have adopted from the European Union’s General Data Protection Regulation, GDPR, to ensure the information is:

Used lawfully, fairly and in a transparent way.
Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes.
Relevant to the purposes we have told you about and limited only to those purposes.
Accurate as updated by you from time to time.
Kept only as long as necessary.
Kept securely.

We collect Personal Information from you and about you from third parties. This Privacy Notice does not apply to data we receive from third parties unless it is combined with Personal Information you have provided to us.

If you do not agree to the terms of this Privacy Notice, please do not provide us with any Personal Information and do not use this Site. We also recommend that you review the Site’s Terms of Use. This document governs your use of the Site.

To print our full Terms of Use, click here. To view, print, or download our full Privacy Notice, click here. To review the full Privacy Notice, please keep reading.

This Notice will answer many of the questions you have about the use of your information. These include:

1 WHAT INFORMATION DOES THE SITE COLLECT?

1.1 INFORMATION YOU PROVIDE US

In general, you can use the Site without revealing Personal Information about yourself. However, we may ask you to provide to us certain categories of information, such as:

Personal Information, such as your first and last name, phone number, username and password, credit card number, social security number and email address (“Personal Information”); and

Demographic Information, such as information about your gender and employment information (“Demographic Information”). If we combine Demographic Information with your Personal Information, we will treat the combined data as Personal Information.

We may collect this information through various forms and in various places in the Site. If you register for an account, subscribe to our newsletter, through “contact us” forms, or when interacting with the Site, we may collect Personal Information.

1.2 LOCATION-BASED INFORMATION

We may use location-based services to determine your location. We do this to verify your location, deliver you relevant content based on your location, and to enable the location-based services we offer. You may be able to change the settings on your Device to prevent it from providing your location.

1.3 INFORMATION THIRD PARTIES PROVIDE ABOUT YOU

We may supplement the Personal Information we collect directly from you with information from third parties. This allows us to

enhance our ability to provide the services you have requested,
tailor our content to you, and
offer you opportunities that may be of interest to you.

The Site may allow access to third-party websites, online services, or applications. In return the third-party may provide personal and other information to us. For example, if you select a social media icon (such as for Facebook, Twitter, or Instagram), we may have access to the information from them.

We may also receive information about you from your friends and others that use the Site. This will happen when they submit content to us or post on the Site.

When we receive information from those sources and combine it with Personal Information, the new information will be treated as Personal Information under this Notice.

1.4 INFORMATION WE COLLECT AUTOMATICALLY

In addition to any Personal Information you provide to us, we may use a variety of technologies that automatically collect certain information whenever you visit or interact with the Site. When we associate Usage Information with your Personal Information, we will treat it as Personal Information.

This Usage Information may include:

Your IP address, UUID – universally unique identifier, or another unique identifier (“Device Identifier”). This is automatically assigned to your device.
Your device functionality (including browser, operating system, hardware, mobile network information, etc.).
The areas within our Site that you visit and your activities there, including remembering you and your preferences.
Your device location.
Other device data, such as the time of day.

We use various methods and technologies to store or collect Usage Information (“Tracking Technologies”). The Tracking Technologies used on the Site include:

Cookies – A cookie is a small data file placed on a device when it is used to visit the Site. Cookies may be disabled or removed by tools that are available as part of most commercial browsers. Each browser you use must be set separately. Please be aware that if you disable or remove cookies on your device, some parts of our Site may not function properly.

Web Beacons – Web beacons are small images that may be included in our Site and in our messages. Web Beacons may be used for a number of purposes such as

counting visitors to the Site,
monitoring how users navigate the Site,
counting how many sent emails were actually opened, or
counting how many particular links were actually viewed.

Embedded Scripts – An embedded script collects information about how you use the Site. The code is temporarily downloaded onto your Device while you are connected to the Site and is deactivated or deleted when you leave.

Browser Fingerprinting – Browser fingerprinting is based on the analysis of information from your Device. Items such as your operating system, plug-ins, system fonts and other data are used to create a unique ID to identify your device.

Entity tags – An entity tag, or ETag, is an opaque identifier assigned by a web server to a specific version of a resource found at a web server. If the resource content ever changes, a new and different ETag is assigned. Used in this manner ETags are a form of Device Identifier. ETag tracking may generate unique tracking values even where the consumer blocks cookies.

Recognition Technologies – Recognition technologies make assumptions about users and devices such as that a user of multiple devices is the same user.

1.5 IF YOU FAIL TO PROVIDE PERSONAL INFORMATION

If you fail to provide certain information when requested, we may not be able to provide part of our service to you (such as monitoring your credit card for unlawful activity), or we may be prevented from complying with our legal obligations.

2 HOW DO WE USE THE INFORMATION COLLECTED?

We may use your Personal Information, Demographic Information or Usage Information that is subject to this Privacy Notice:

to provide you with services such as to protect your identity,
to process transactions or provide you with information such as to send you electronic newsletters,
to provide you with special offers or promotional and marketing materials (including sweepstakes and contests) on behalf of us or third parties, including to let you know about new products, services, or upcoming events,
to improve the Site including the user experience, marketing endeavors, and our Site offerings,
to customize your experience on the Site,
to serve you specific content or ads that are relevant to you,
to provide customer support,
to authenticate a credit card number and verify that the person requesting your credit report really is you,
to contact you with regard to your use of the Site and, in our discretion, changes to the Site and/or Site’s policies,
for internal business purposes, and
for purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Notice.

We will only use your Personal Information for the purposes for which we collected it and related purposes. You will be notified if we need to use your personal information for an unrelated purpose. We may also process your Personal Information where the processing is required or permitted by law.

2.1 USE OF INFORMATION FOR RECRUITMENT PURPOSES.

You may provide information to us as part of an application to become part of the Sontiq team. This may include Personal, Demographic, or other information. We use this information to make an informed decision about proceeding with your application as a legitimate interest of our business. If you provide any information that is considered to be sensitive, you may be asked to expressly consent to our processing.

2.2 AUTOMATED DECISION MAKING

Sontiq does not make decisions using automated means that have legal or similar impacts to you. “Automated decision making” is when choices are made by computers without the involvement of a person.

We are allowed to use automated decision-making in the following circumstances:

Where it is necessary to perform the contract with you and appropriate measures are in place to safeguard your rights.
With your explicit written consent and where appropriate measures are in place to safeguard your rights.
Where we have notified you of a decision and given you 21 days to request a reconsideration.

3 WHERE DOES PROCESSING OF THE INFORMATION OCCUR?

Our Site operates in the United States. Information we collect, including Personal Information, will be transferred, processed, stored, and used in the United States.

The data protection laws in the United States may differ from those of the country in which you are located. Your information may be subject to access requests from governments, courts, or law enforcement according to the laws of the United States.

3.1 HOW LONG IS PERSONAL INFORMATION RETAINED?

We only retain your personal information for as long as necessary to fulfill the purposes for which it was collected. This includes satisfying any legal, accounting, or reporting requirements.

When you give up your membership, your Personal Information is retained for a short period of time in the event you decide to rejoin. After this period, your Personal Information will be securely destroyed or obfuscated.

4 HOW YOUR INFORMATION IS PROTECTED

The security of your personal information is of critical importance to us. Sontiq’s security controls are independently audited, annually to:

Sontiq utilizes technologies, policies, and procedures to provide comprehensive protection for all Sontiq systems and applications. Integrity and confidentiality of data is of the highest importance.

We use industry-standard safeguards to protect your information. While we make reasonable efforts to safeguard personal information once we receive it, the protection of your information cannot be guaranteed.

You are responsible for maintaining the confidentiality of any Password(s) and all activities that occur using your Password(s). You should notify us immediately of any unauthorized use of your Password or accounts. Please contact us (see below) if you believe your Personal Information has been exposed.

4.1 SOCIAL SECURITY, SOCIAL INSURANCE, AND NATIONAL IDENTITY NUMBERS

Sontiq utilizes a formal privacy framework to address all aspects of privacy. The privacy framework is maintained and reviewed by our Chief Privacy Officer (CPO). Sontiq is constantly monitoring new legislation around privacy and data security on the state, federal and international level to continue to ensure that Sontiq and our client institutions are following industry and regulatory best practices.

Sontiq maintains and enforces policies and physical and electronic safeguards to protect all unique identifiers (e.g. SSNs or SINs) against misuse and improper disclosure. Access to personal identifiers is limited to personnel who need access to such information in order to perform their job functions.

5 HOW DO I CHANGE MY INFORMATION AND COMMUNICATIONS PREFERENCES?

You are responsible for the accuracy of the information you share with us. This information may be reviewed and updated through the

Site’s registration forms or
“Manage Account” tab on your account dashboard.

You also may write to us directly to update or delete your contact information or to request that we stop sending you any form of communication. These requests should be sent to us by regular mail to:

Sontiq
Attn: Chief Privacy Officer
9920 Franklin Square Drive
Suite 250
Nottingham, MD, 21236
USA

We may ask you to provide additional information before making these changes. This may be done to verify your identity.

When you update your information, we will make good faith efforts to make the requested changes in our systems as soon as reasonably possible. We may need to retain prior information as business records in some situations.

Please note that Sontiq is now a TransUnion company. To learn how TransUnion handles personal information about you and the rights you may have regarding your personal information, please visit the TransUnion Privacy Center at www.transunion.com/privacy/transunion.

If you want to submit a request to know, delete or opt-out, you can do so on TransUnion’s website at: www.transunion.com/consumer-privacy, or by calling: 866-310-8783 between 8 am and 9 pm eastern time Monday through Friday or between 8 am and 5 pm eastern time Saturday or Sunday.

5.1 PERSONAL INFORMATION REQUESTS

With some restrictions, you may make requests of us with regard to your personal information. Please contact our Privacy Office, [email protected], with these requests.

Access – You may request a copy of the personal information we hold about you. To see the information we hold, log in to your account and review the information from the Sontiq member dashboard. You will not have to pay a fee to access your personal information in Sontiq-owned member dashboard(s) while your account is current (or to exercise any of the other rights). Please note that, for security, we cannot provide your full Social Security Number or your full credit card numbers.

Transfer – You may request we provide an electronic copy of the information you have provided to us to be shared in a format that may be sent to a third party.

Correction – You may request that we modify any incomplete or inaccurate information we hold about you. To modify information we hold about you, log in to your account and update the information in the Sontiq member dashboard.

Erasure – You may request that we delete elements of your information. Please note that it is not always possible to completely remove all of your information from our systems. This is often due to legal or regulatory requirements. Also, some data may remain on our backup media for a limited period of time.

Restrict processing – You may request that we suspend the processing of your personal information. You may want to do this, for example, if you want us to verify the accuracy of the information. Another example may be to ask us to confirm the reason the processing is occurring. You may do this by logging in to your account and removing your personal information from the Sontiq member dashboard. The information may be restored at a later time.

You may change or cancel the marketing emails you currently receive from us by following the instructions found in our promotional emails. Please note that we will continue to send you communications about your account or use of our Site. This includes administrative and Site announcements.

5.2 WITHDRAWING CONSENT

In some very limited cases we process your Personal Information based upon your consent. You have the right to withdraw your consent for processing in these situations at any time.

To withdraw your consent, please log in to your account and delete the information from the Sontiq member dashboard.

6 HOW AND WHEN DO WE SHARE INFORMATION WITH THIRD PARTIES?

We may share Personal Information and other information with third-parties. This is done

based on your requests,
to provide service to you,
to protect the interests of Sontiq and others, and
in the event of a transfer of the business.

We may also share your information with related companies. These include our parent company, our subsidiaries, and affiliates.

There are times when we share information in an anonymized or aggregate form with our partners. In these cases, the identity of the individual(s) whose information is shared cannot be directly discerned from the information we provide.

All our third-party service providers and other entities in the group are required to take appropriate security measures to protect your personal information. We do not allow our third-parties to use your personal data for their own purposes.

6.1 SHARING BASED ON YOUR REQUESTS

You may have an opportunity to receive information or marketing offers from third parties while on our Site. When this occurs, your Personal and other information may be shared to the third parties.

The following activities may be carried out by third-party service providers:

Name, address, date of birth, telephone number, email address monitoring
Social security number monitoring
Credit and credit score monitoring
Driver’s license number monitoring
Passport number monitoring
Medical account number monitoring
Credit card monitoring
Bank account monitoring
Monitoring bank and credit card transactions
Social media account monitoring
Court records monitoring
Payday loan monitoring
IT services

Third parties may also store, collect, or have access to your information when you interact with them. This includes when you use third-party tools such as Facebook, Twitter, Pinterest or other posting or content sharing tools.

In addition, we may provide interfaces or links to third party sites to help you send a message from the Site. For example, we may use third parties to send emails, tweets, or make Facebook postings. These third parties may retain any information used or provided in any such communications.

When you send someone else a message from the Site, the information you provide, such as recipient names and email addresses, are used by Sontiq to send the communication and is not used by us for any other marketing purpose unless we obtain consent from that recipient or we explicitly say otherwise.

By using these tools, you are subject to the third party’s privacy practices. We are not responsible for the privacy policies and practices of third parties. You should review each third-party’s privacy policies and practices prior to using their services.

6.2 SHARING TO PROVIDE SERVICE TO YOU

We may use third-party vendors to perform certain services on our behalf. These services:

assist in the operation, design, and hosting of the site,
tracking activity on the site by collecting analytic information,
manage a database of customer information,
send you special offers,
perform administrative services,
provide credit report information, and
provide other services designed to assist us in maximizing our business potential.

These vendors may have access to user information to carry out the services they are performing. This may include Device Identifiers and Personal Information which we provide to the vendors.

Third party analytics and other service providers use their own Tracking Technologies on your Device. These third parties may collect or have access to information about you. This may include Personal Information which we do not provide. We are not responsible for the technologies or activities of these third parties. Some may offer you certain choices regarding their practices, and information of which we have been informed regarding such choices is available here.

6.3 SHARING TO PROTECT THE INTERESTS OF SONTIQ AND OTHERS

We may use and share your information including Device Identifiers and Personal Information to third parties to:

satisfy any applicable law, regulation, subpoena, governmental request, or legal process if, in our good faith opinion, such is required or permitted by law,
protect and/or defend the Site’s Terms of Use or other policies applicable to the Site, including investigation of potential violations,
protect the safety, rights, property, or security of the Site or any third party,
to detect, prevent or otherwise address fraud, security, or technical issues, or
identify users to third parties to protect their interests subject to applicable law. By extension, this may include disclosure to law enforcement agencies.

The previous disclosures may be made without our providing notice to you.

6.4 SHARING IN THE EVENT OF A TRANSFER OF THE BUSINESS

Sontiq may disclose and transfer your Personal and other information

to a subsequent owner, co-owner or operator of the Site or applicable database, or
in connection with a merger, consolidation, or restructuring, of our business,
in connection with the sale of substantially all our interests or assets, or
in connection with other corporate change.

The above sharing may occur during the course of any due diligence process.

6.5 SHARING FOR A SWEEPSTAKES, CONTEST, OR PROMOTION

We may offer sweepstakes, contests, and other promotions (any, a “Promotion”) through the Site that may require registration. When you participate in a Promotion you are agreeing to its official rules. The rules may include requiring you to allow the Promotion’s sponsor to use your name, voice, or likeness in marketing efforts.

Personal Information may be shared with third parties and the public to manage a Promotion. This may occur during winner selection or prize fulfillment. Personal Information may also be made known as required by law or as permitted by the Promotion’s official rules.

7 HOW IS YOUR INFORMATION USED FOR ADVERTISING?

Many companies serve advertisements across Internet sites. These companies include Sontiq as well as third parties such as network advertisers and ad exchanges. Third party analytics service providers may be used to gauge the use of these ads on third party sites, the viewing of ads, and the viewing of our content. The advertisements presented may be based on your activities across the Internet and mobile media. These are called “Behavioral Ads”.

Our third party network advertisers and ad exchanges may set and access their own technologies on your Device. This may include use of an identifier on your Device which may be a unique cookie or another form of unique identifier. These third party technologies, combined with Personal Information we may provide, may

help deliver advertisements to you that might interest you,
prevent you from seeing the same advertisements repetitively,
recognize you across the Devices you use, and
understand the usefulness of the advertisements that have been delivered to you.

This Privacy Notice does not apply to the collection or use of the information by these third parties. We have provided information about these third parties in the chart at the end of this Privacy Notice. You should review their information processing practice policies.

7.1 ADVERTISING CHOICES

Some third parties may offer you certain choices regarding their Behavioral Ad practices. You may wish to visit a site provided by the Network Advertising Initiative (NAI). https://optout.networkadvertising.org/?c=1 shares information on the choices provided by NAI members. This includes how to “opt-out” of members’ advertising.

You may wish to visit a site provided by the Digital Advertising Alliance (DAA). https://optout.aboutads.info/?c=2&lang=EN shares information on the choices provided by DAA participants. This includes how to “opt-out” of their advertising.

We are not responsible for effectiveness of or compliance with any third parties’ opt-out options or programs.

8 DOES THIRD-PARTY CONTENT, LINKS TO SITES, AND/OR APPS APPEAR ON THE SITE?

The Site may contain content, links, or applications that are supplied by a third party. These third parties may collect Usage Information and your Device Identifier for their own commercial purposes. In some cases, you may be directed to other sites and applications that are operated by third parties that we do not control. These third parties may have their own terms of service, privacy policies, or other policies. We are not responsible for the practices employed by these third parties.

For example, if you “click” on a link you may be taken off the Site onto a different Internet location. These other online services may track your activities, collect information about you, and may or may not have their own published privacy policies. We are not responsible for practices of these third parties.

We encourage you to review any available policies before using third party applications. Exercise caution in connection with these applications

9 HOW IS CHILDREN’S INFORMATION PROCESSED?

We understand the importance of protecting the privacy of children. The Site is not intended for use by children under the age of thirteen (13). Sontiq does not knowingly collect Personal Information from children.

If you believe your child has provided personal information without your consent, we will dispose of it as per applicable law. Simply contact us at [email protected] to let us know of the situation.

10 ABOUT CHANGES TO THE PRIVACY NOTICE?

This Privacy Notice may change at any time. A new revision of this Privacy Notice will be reflected by a change in the Effective Date. Any changes will be effective as of that Effective Date.

We will not use your previously collected Personal Information in a way that is significantly different than stated in the Privacy Notice which was effective on the date the information was collected. However, we may request your consent for any new uses.

11 WHO DO I CONTACT WITH QUESTIONS AND CONCERNS?

If you have any questions about this Privacy Notice or our practices, please contact us.

Postal Mail:

Sontiq
Attn: Privacy Officer
9920 Franklin Square Drive
Suite 250
Nottingham, MD, 21236
USA

Email:
[email protected]

Telephone Number:
From within the U.S: 888-6-SONTIQ or (888) 676-6847

From outside the U.S.: 01 (508) 644-8726

We may need to request specific information from you to help us confirm your identity. We do this to ensure that your Personal Information is not disclosed inappropriately.

Sontiq is now a TransUnion company. To learn how TransUnion handles personal information about you and the rights you may have regarding your personal information, please visit the TransUnion Privacy Center at www.transunion.com/privacy/transunion.

12 IS THERE ANY JURISDICTIONAL SPECIFIC INFORMATION?

12.1 EUROPEAN UNION

Our privacy practices as required under the European Union General Data Protection Regulation (“GDPR”) have been incorporated into this Notice.

12.1.1 LEGAL BASIS FOR PROCESSING

A legal basis for processing Personal Information is required under GDPR.

We are fulfilling a contract when
Sontiq monitors your personal information and sends alerts, or
we process payments, or
preventing fraudulent access to your accounts.
We are meeting the legitimate interests of our business when
we contact you regarding new products and services, or
we capture analytic information to improve or personalize our products, services, and website, or
preventing fraudulent use of our services.
We are addressing our legal obligations when reporting income and related information to tax authorities.

12.1.2 OBJECTION TO PROCESSING

You may object to the processing of your Personal Information. This may be done if you feel it is inappropriate for Sontiq to rely on legitimate interest as a legal basis for processing. When you object, we will limit the processing of your information. Once the objection is resolved, we will either resume processing or delete the personal information as appropriate. Please email [email protected] to object to processing.

12.1.3 TRANSFER OF PERSONAL INFORMATION OUTSIDE OF THE EU

Sontiq utilizes Standard Contractual Clauses for the transfer of information outside of the EU. This participation applies to all personal data that is received from EU residents. This personal data is also subject to this Privacy Notice.

12.1.4 REGISTERING A COMPLAINT

There may be times when you have a concern about the processing of your Personal Information. We ask that you please contact the Sontiq Privacy Officer at these times as detailed above.

If you remain dissatisfied, then you have the right to apply directly to the UK Data Protection Authority:

Postal Mail:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
England

Website:
https://ico.org.uk/global/contact-us/

Telephone Number:
+440303 123 1113

12.2 CALIFORNIA

12.2.1 CALIFORNIA CONSUMER PROTECTION ACT

For information on the California Consumer Protection Act (“CCPA”), please see our CCPA Addendum.

Please also note that Sontiq is now a TransUnion company. To exercise your CCPA personal data rights with TransUnion, please click here.

12.2.2 INFORMATION SHARING

Your information may be shared with third parties for their direct marketing purposes. California residents may receive information about our sharing of personal information for these purposes. This information includes

the categories of personal information shared by us, and
the names and addresses of all third parties that received personal information for their direct marketing purposes from us.

The information provided is for the immediately prior calendar year.

To make such a request (limit one request per year), please

send an email to [email protected] with “California Privacy Rights” as the subject line or send postal mail to:

Sontiq
9920 Franklin Square Drive
Suite 250
Nottingham, MD, 21236

You must include your full name, email address, and your current California postal address in your request.

Third Parties Collecting Information

The following third parties that collect information from you on the Site have given us notice that you may obtain information on their policies and practices, and in some instances opt-out of certain of their activities, as follows:

Third Parties Collecting Information
Party	Service	For More Information	Use of Tracking Technologies	Privacy Choices
Google Adwords	Advertising	View here.	Yes	View here.
Google Analytics	Analytics	View here.	Yes	View here.
Doubleclick	Advertising	View here.	Yes	View here.
Kissmetrics	Analytics	View here.	Yes	View here.
Lucky Orange	Analytics	View here.	Yes	View here.
Optimizely	Analytics	View here.	Yes	View here.
Bing Ads	Advertising	View here.	Yes	View here.
ScoreCard	Analytics	View here.	Yes	View here.
Marketo (Adobe)	Inbound Marketing	View here.	Yes	View here.
Hubspot	Inbound Marketing	View here.	No	View here.
AdRoll	Advertising	View here.	No	View here.
Rubicon	Advertising	View here.	No	View here.
OpenX	Advertising	View here.	No	View here.
Pubmatic	Advertising	View here.	No	View here.
Quantcast	Advertising	View here.	No	View here.
Verizon Media \| Yahoo Ad Exchange	Advertising	View here.	No	View here.

PLEASE NOTE: We are not responsible for third-party policies or practices. We try to keep this information current, and will add to and subtract from the chart above as appropriate, but it is provided as a courtesy and may not be current or accurate. Please contact the relevant third parties regarding their privacy and data security policies and practices.

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