Terms & Conditions 

Membership begins on the date the application is processed. 

Continuous credit monitoring through Experian provides access to single bureau credit monitoring that includes daily online notification for Members who provide a usable email address and monthly offline notification by mail for Members who do not provide a usable email address. If your email address changes, you must notify the ID TheftSmart™ plan administrator of the new address by written request to P.O. Box 14524, Des Moines, IA 50306. You must return the Request and Authorization form included in this membership package to initiate this process.  

Restoration Services: By authorizing identity theft restoration services, you will enable our licensed investigators to help resolve your identity theft on your behalf. They will contact creditors, file necessary reports and inform government agencies.

Restoration Service Exclusions: 

A) Family Member. Any stolen identity event of which a spouse or child participated in, directed or had prior knowledge. 

B) Dishonest Acts. Any dishonest, criminal, malicious or fraudulent acts, if the member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. 

C) Pre-existing Stolen Identity Event Limitations. Restoration Services will not be provided to members for a pre-existing stolen identity event if either member had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to him or her prior to enrollment in the ID TheftSmart Program. 

D) Financial Loss. Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct. 

E) Membership Status. Restoration Services, for both new and in-process cases, will only be provided to members who are in an active, paid status. 

F) A signed limited power of attorney must be provided to Kroll when an ID TheftSmart Restoration case is opened in order for Kroll to work on your behalf and/or provide the Non-credit Database Searches listed. 

G) A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a/, or any other method of identifying your business activity. 

Proactive Non-credit searches: Provided only to active Members who qualify for Restoration who have signed a limited power of attorney allowing Kroll investigators to identify the Member's identity theft problems and to mitigate potential ongoing exposure on behalf of the Member. 

Credit card payments (if applicable): The monthly membership charge will occur on or about the first business day of the month. The charge reflected on your credit card statement will indicate "ID TheftSmart". For billing inquiries call the ID TheftSmart toll-free number. 

Changes to the membership: Modifications to the membership benefits provided are subject to change. If a material change occurs, you will receive written notice of the change, in advance whenever feasible. 

Single credit report through Experian (if applicable): Upon submitting the Request and Authorization form included in this membership package, you will receive access to a consumer credit report including a guide on how to read the report.

Two or three bureau credit report (if applicable): Upon submitting the Request and Authorization form included in this membership package, you will receive access to a merged credit report from two or more major consumer credit bureaus including a guide on how to read the report.

30-Day Money Back Guarantee: You have 30 days from the date you receive your membership materials to cancel your membership. 

ID TheftSmart services are only available to members with a permanent residence in the United States.

Kroll Inc. and the ID TheftSmart plan administrator are not liable for accuracy of information on credit reports. Kroll Inc. and the ID TheftSmart Program Administrator are not a credit counseling service and will not help you repair or improve your credit or obtain a loan. 

Administrative Procedures

Cancellation policy: All cancellation requests must be submitted by calling the ID TheftSmart Plan Administrator or by writing to ID TheftSmart Plan Administrator, PO Box 14524, Des Moines, IA 50306. Refunds are made on pro-rata basis. Individuals who cancel will not be eligible to regain membership for a period of 12 months following cancellation.  

Change of address: Must be submitted in writing or over the phone by calling the ID TheftSmart toll-free number.  

Change of name: Must be submitted in writing to the address listed above.  

Initiation of an identity theft case: Must be made by calling the ID TheftSmart toll-free number.  

Billing: Your membership involves a recurring charge based on your payment method and billing frequency. Marsh will continue to bill you in the amount of the then-current ID TheftSmart monthly membership fee until your ID TheftSmart membership is cancelled by you or by Marsh.