Terms & Conditions

Membership begins on the date your enrollment is processed.

If your email address changes, you must notify the ID TheftSmart™ plan administrator of the new address by calling the ID TheftSmart Plan Administrator or by written request to P.O. Box 14524, Des Moines, IA 50306.

Noncredit restoration 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.

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:

• Legal Remedy: Any Stolen Identity Event where the victim is unwilling to prosecute the person who caused the victim to suffer the fraud or its consequences.
• 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.
• 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.
• Pre-existing Stolen Identity Event Limitations: If either the victim had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to them prior to enrollment in the program, such an event or the consequences caused by it are not covered.
• Business: A covered stolen identity event does not include the theft or unauthorized or illegal use of their business name, DBA or any other method of identifying their business activity.
• Minors: Minors are fundamentally excluded given that (a) credit reporting agencies do not knowingly maintain credit files on minor children, and (b) minor children are unable to execute the Limited Power of Attorney (LPoA) required for certain processes as described herein. However, Kroll agrees to try to resolve identity theft issues for participant-minors through the processes listed in the Master Agreement, with additional reasonable efforts to address the challenges of working with minors, and within the solutions available through existing legislation and established industry and organizational procedures.

LIMITATION OF LIABILITY — NEITHER KROLL INC. NOR THE ID THEFTSMART PROGRAM ADMINISTRATOR OR ITS SUBCONTRACTORS:

(A) ASSUME ANY LIABILITY FOR YOU AS AN AGENT IN OBTAINING YOUR CREDIT OR NON-CREDIT INFORMATION
(B) MAKE ANY WARRANTY, EXPRESS OR IMPLIED, REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN THE INFORMATION THAT YOU MAY RECEIVE;
(C) ASSUME ANY LIABILITY FOR DAMAGES: PUNITIVE, DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL; OR
(D) HAVE ANY RESPONSIBILITY FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY SUCH INFORMATION.

IN ANY EVENT, AND NOTWITHSTANDING ANYTHING CONTAINED IN THESE TERMS AND CONDITIONS, THE LIABILITY TO YOU OF KROLL INC. AND THE ID THEFTSMART PROGRAM ADMINISTRATOR IS LIMITED TO THE AMOUNT WHICH YOU SHALL HAVE PAID TO THE ID THEFTSMART ADMINISTRATOR TO OBTAIN AND MAINTAIN YOUR ID THEFTSMART MEMBERSHIP.

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.

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

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

Age requirement: ID TheftSmart services are only available to individuals over the age of 18.

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

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.

Kroll Inc. and the ID TheftSmart Plan Administrator are not a credit counseling service and do not promise to help you obtain a loan or repair or improve your credit.