One You Security’s promise to you is no one is going to steal your financial identity while you’re our customer. And in the extraordinarily unlikely event this does occur, with our trained resolution professionals, we will restore your reputation to where it was before the breach occurred and reimburse you for any actual losses or out of pocket expenses you incurred up to $1,000,000.
That’s how certain we are we can protect your identity. A million dollars worth of certainty. Because there should only be one you and we make sure it stays that way.
Our Service Guarantee (Protection Plan) is detailed in our Terms and Conditions and is included in the fees for our Identity Theft Protection Services. To be eligible for this $1,000,000 service guarantee, you must comply with the following:
A. Upon your accepted enrollment in our Service, we will take appropriate steps to place and maintain fraud alerts with the credit bureaus on your accounts.
B. If you have enrolled with us and have remained a customer in good stead and in the unlikely event that you inform us truthfully and in good faith of your belief that someone has subsequent to your enrollment accessed and used your personal identifying information without your authorization to obtain credit in your name, subject to the terms herein, we will take actions necessary to reverse the unauthorized credit if it was granted and to restore your credit standing with the credit bureaus to what it was prior to the unauthorized access. The maximum limit of expenditure on your behalf to take these actions under our Service Protection Plan is $1,000,000 (One Million Dollars) per lifetime, per member, for all incidents in the aggregate which means that for all incidents over the lifetime of your account with us, we will spend no more than $1 million total to provide the assistance set forth under our Service Protection Plan. If, in our sole determination, professional assistance is necessary to accomplish any action for you under our Service Protection Plan, we will arrange and pay for such assistance through licensed professionals in your jurisdiction. Such payments shall be applied toward the maximum limit of expenditure listed in this section. We will not pay for or reimburse fees of professionals or other service providers unless we decide they are necessary and we select them.
C. You must have a reasonable and good faith belief or actual knowledge that someone has fraudulently used or is fraudulently using your personal information to obtain credit without your authorization. You must inform us as soon as possible but in no event later than 30 days of your finding out. You agree to give your full cooperation to us or others assisting you under this Service Protection Plan. The Service Protection Plan shall NOT apply to incidents which occur before your enrollment, or during your enrollment but before your enrollment is complete, even if you find out about it after your enrollment becomes effective.
D. (i) We reserve the right to investigate the validity of your request before we do anything else. We will perform our investigation as promptly as we can. If our investigation shows that a reasonable person would conclude that your personal identifying information was used without your authorization to obtain credit while you were our customer and you have complied with all this Agreement, we will perform as described herein.
(ii) If at any time we find or it is otherwise determined that you gave us false information or you are deceptive or commit fraud upon us, or are in violation of Section 3(B) above, you agree to pay us back upon demand all amounts we have paid in connection with your claim, including any costs (including reasonable attorneys fees) of collection.