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Customer Service Available:
Monday - Friday 9am - 6pm (MST)
Saturday - Sunday Closed

ID Watchdog, Inc.
PO Box 297
Denver, Colorado 80201-0297

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ID Watchdog Financial Reports

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2011

2010

2009

2008

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Mike Greene

Michael Greene, Chairman & CEO

Mr. Michael Greene, Mike has been the Chairman of the Board and Chief Executive Officer at ID Watchdog Inc. since March 2011. Mr. Greene has spent the past 10 years in the data security space; first with Webroot Software, PC Tools, and then Symantec. Mr Greene has been granted two patents related to data security, and has spoken on the topic of data security around the world. At Webroot, he was recruited to develop and launch its first enterprise product, helped to launch offices in Europe and Asia, and established key sales channels contributing more than 50% of annual revenues. During his tenure, he helped grow product annual revenue from $3M to $84M. At PC Tools, Mr. Greene served as Vice President of Product Strategy and Business Development building out the US Office, establishing strategic sales channels, executing acquisitions, and defining the company’s next generation product strategy. During his tenure he helped to grow PC Tools annual product revenues to more than $90M and led the company into an acquisition by Symantec. Mr. Greene graduated from the University of Colorado at Boulder with a Bachelor of Arts Degree in Molecular, Cellular and Developmental Biology with a minor in Biochemistry; and from the University of Colorado Leeds School of Business with a Masters in Business Administration.

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Jay Lewis

Jay Lewis, CFO

Jay Lewis has over 25 years of executive level finance and accounting experience including 15 as the senior financial officer of publically traded companies. Mr. Lewis has raised over $300 million in capital via both public and private offerings and executed numerous M&A transactions.

Prior to joining ID Watchdog, he was the CFO and a Director of Jones Media Networks, Ltd., which owned two cable television networks, the fourth largest network radio company in the U.S. and a satellite distribution business. Prior to his tenure as CFO at Jones Media Networks, he was the Vice President of Finance and Treasurer of Jones International, Ltd., a private holding company with ownership of companies involved primarily in media, for-profit education and telecommunications. Jones Intercable, Inc., which was the eighth-largest cable television system operator in the U.S., was one of Jones International's operating companies.

Jay is a CPA, an alumni of Ernst & Young and has a Bachelor's degree in accounting from the University of Wyoming.

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Craig Ramsay

Craig Ramsay, CIO

Craig brings more than 20 years of experience in information technology to his position at ID Watchdog, including 18 years working with financial and payment processing companies such as National City Bank, National Processing and International Check Services.

Just prior to joining ID Watchdog, Ramsay served as the Chief Architect for First Data, the world's largest payment processor. Ramsay has a Bachelor of Science degree in Computer Science from Ramapo College in New Jersey.

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Rick Lunstrum

Rick Lunstrum, VP Operations

Eric ("Rick") Lunstrum oversees the details of the ID Watchdog experience, ensuring that processes support the best possible customer service. Rick brings over 33 years of hi-tech operations management experience to ID Watchdog.

Rick began his career at National Semiconductor. In 1985, Lunstrum joined Destron/IDI a global leader in microchip technologies to manage their worldwide operations. In 1995, Lunstrum founded Univel Corporation, an international electronic component distributorship.

No stranger to startup companies, he oversaw manufacturing, quality, sales, marketing, and service departments. Lunstrum’s formal education includes studies at both de Anza and Regis Universities.

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Jim Demitrieus

Mr. Demitrieus joined the Board on January 16, 2012. Mr. Demitrieus has over 30 years of diversified experience with global leading edge companies. Mr. Demitrieus is the Chief Executive Officer of Eyelock Incorporated, an advanced iris-based identity management technology solutions company focused on next-generation systems for global access control.

From 2006 to 2008 Mr. Demitrieus served as the President of Sherwood Valves and from 2002 to 2005 he serviced as President and CEO Aluma Systems a JV company between the Alcan Aluminum and the Delzotto family. Aluma grew through acquisitions to become Canada’s largest industrial provider of ‘access – industrial scaffolding and concrete forming and shoring’ services.

From 1990 to 1999 Mr. Demitrieus served as the President and CEO of SK America and Ecoban Finance, the first non Korean CEO of a major Korean based company. SK Group is a $40 billion family controlled conglomerate dominating petrochemicals, manufacturing and telecom services in Korea.

Mr. Demitrieus holds a Bachelor of Business Administration from Adelphia University.

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Rick Gates

Rick has over 15 years of international political, finance and business development experience working for multinational firms. Currently, he is the managing partner of Pericles LP, the firm’s private equity funds focused on technology, infrastructure, and real estate targets. Much of his work focuses on investment, business development and deal structures in Europe.

From 2005 – 2006 Rick served as Vice President of International Business Development and Public Affairs at Scientific Games Corporation (NASDAQ: SGMS) with responsibility for international business development and government relations. He managed the company’s global public affairs, and worked as a senior member on the M&A team.

From 2000 – 2005 Mr. Gates served as Partner and COO of Business Strategies and Insight, LLC, a public affairs company that specializes in business development, government procurements, government relations, corporate strategic investments and crisis management. In 2003, Mr. Gates was a co-founder of Capital Strategies, LLC (a Richmond based public affairs and government relations firm).

From 1997 – 2000 Mr. Gates was a Director at GTECH UK Limited (based in London) where he headed the company’s international business development program. From 1995 – 1997 Mr. Gates was a Director at Black, Manafort, Stone & Kelly, a government and public relations firm representing numerous Fortune 500 companies before the White House, government agencies and the US Congress.

Mr. Gates has worked on several US presidential campaigns and has participated in many international political campaigns in Europe and Africa. Mr. Gates graduated with a M.A. in Public Policy from George Washington University and a B.A. in Government from The College of William & Mary. He also completed the Executive Management Programme in Brussels and London.

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Hank J. Boye

Henry Boye has been General Manager of Information and Media and Executive Vice President at HCPro, Inc., since January 2011. Mr. Boye leads HCPro’s two information centric business units: Information Solutions, and Media and Market Insight. He served as Director of the Office of Atlantic Media Company. Mr. Boye served as General Manager of the National Journal Group. He led a restructuring of the National Journal’s internal processes and functions, resulting in a dramatic increase in profits and revenue growth. He has excellent strategic and operations skills as well as a track record of transforming media businesses. He served as an Engagement Manager at McKinsey & Company. He served as Associate Group Publisher for Harvard Business Review Publishing, where he led a reinvigoration of Harvard Business Review brands across multiple platforms. He has been a Director at ID Watchdog, Inc. (alternate name Identity Rehab Corporation) since March 2009. He joined the prestigious management magazine Identity Rehab Corporation (also Known as ID Watchdog) in 2007 and leads the commercial operations of the magazine, including advertising sales, circulation, marketing, and strategy. Before joining Harvard Business Review, Mr. Boye received a BA from Dickinson College, Carlisle, PA, and an MBA from the Wharton School at the University of Pennsylvania.

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Murray Atkins

Mr. Murray K. Atkins is Independent Director of ID Watchdog, Inc. Mr. Atkins has been in the venture capital markets for over fifteen years and has been involved in the formation, funding and managing of several private and publically traded companies. Mr. Atkins is the current President of Blur Investments Ltd. (a private corporate advisory corporation specializing in real estate), a position he has held since January 1998. He is also the President, Chief Executive Officer, a director and a principal shareholder of Kristina Capital Corp. (TSXV: KCA), a director of Rain Resources Inc. (TSXV: RAN). and of Royal Capital Corp. (as a founding shareholder). Past roles have included: a director of Black Marlin Energy Holdings Corp. (TSXV:BML) and a director of Sino Vanadium (TSXV-SVX). Mr. Atkins is also attributed as being a founding shareholder in the following companies that have been listed on a Canadian exchange: Peregrine Metals (TSX-PGM), Peregrine Diamonds (TSXV-PGD), Wilton Resources (TSXV-WIL), Canacol Energy (TSXV-CNE) and Excelsior Energy (TSXV-ELE). Mr. Atkins holds a Bachelor of Arts from the University of Utah.

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K. Dieter Heidrich

Mr. K. Dieter Heidrich is Independent Director of ID Watchdog, Inc. Mr. Heidrich has been the Managing Director of Green Rock Capital, LLC (formerly Opus Capital, LLC) since April 1993. From 1986 to 1993, Mr. Heidrich was a General Partner of Weiss, Peck & Greer Ventures, LP, a California based venture capital firm. From 1983 until 1986, he was the founder and Managing Partner of Intermountain Technology Ventures. Prior to 1983, he worked for several technology companies, including as the founder and President of Prolink Corporation and Vice President International Operations for Northern Telecom Systems Corporation. Mr. Heidrich has a Dipl. Ing. degree from the Technical University in Munich, Germany.

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Keith G. Rickard

Mr. Keith G. Rickard is Independent Director of ID Watchdog, Inc. Mr. Rickard’s career spans 29 years in the computer service and software industries. Since 2005, Mr. Rickard has been an independent management consultant providing services to various companies. From June 2001 to October 2004, Mr. Rickard served as President, Chief Executive Officer and a Director of BakBone Software Inc., a public software products Corporation specializing in data protection (backup and recovery), which was then listed on the Toronto Stock Exchange and quoted on the OTC Bulletin Board in the United States. Prior to joining BakBone, Mr. Rickard spent 19 years at Sterling Software, a Dallas-based software products corporation that was sold to Computer Associates in 2000. While at Sterling, Mr. Rickard held various positions in Canada, the United Kingdom and the United States, including President of the Americas Division, Vice President of the International Division responsible for the United Kingdom, and President of the VM Software Division. His most recent position at Sterling was President of the Storage Management Division. Mr. Rickard holds a B.Sc. in Mathematics from the University of London.

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Terms & Conditions

Identity Rehab Corporation, a Colorado corporation, DBA ID Watchdog (“ID Watchdog,” “The Company,” or “we”), shall supply services to the customer (aka: “you”) in accordance with the following terms and conditions:

Your Welcome Letter sets forth the services offered to you, the terms of your trial period, if any, and the pricing for the services you enroll in. Your Welcome Letter is incorporated herein by reference and is a part of these terms and conditions. You may request a copy of your Welcome Letter by contacting us by phone at 1-800-970-5182 or by email.

1. ID Watchdog Services.

The following is a complete list of all services offered by the Company, however, not all services listed may be available to you. The Company will provide those services to you for which you are eligible to and do enroll in. Please refer to your Welcome Letter for a list of services available to you and the pricing for those services. Enrolling in the services requires you to sign up for and pay the required fee for the services that you select through the Company’s website at www.idwatchdog.com, or the company’s affiliates. You must acknowledge your acceptance of these Terms and Conditions in order to complete the enrollment process. You will be asked to create a password when you enroll which you will need to access your account or user dashboard. You are solely responsible for protecting the confidentiality and privacy of your password. Do not share your password with others. The Company is not responsible for lost or stolen passwords. ID Watchdog is not a credit repair organization, or similarly regulated organization under other applicable laws, and does not provide credit repair advice.

In accordance with the Fair Credit Reporting Act, you acknowledge and agree that by enrolling in or purchasing any of the services offered by the Company, you are providing “written instructions” to the Company to obtain information from your credit file from any consumer reporting company in connection with the services and the terms and conditions.

  1. Minors’ Services. If you are the parent or legal guardian and you are an “Active Customer” (in good payment standing and prior to termination), you may enroll your minor child into the ID Watchdog PlusSM service.

ID Watchdog offers two (2) levels of protection service which are ID Watchdog PlusSM, and ID Watchdog PlatinumSM. Upon successful enrollment into the ID Watchdog Service, and for as long as you are an “Active Customer” (in good payment standing and prior to termination), you will be provided those services described below that are included in your Welcome Letter.

  1. Credit Alerts: The ID Watchdog Service will generate an alert to you by electronic fulfillment when a change has occurred in your credit report files from one or all three nationally recognized credit bureaus, TransUnion, Equifax, and Experian, and will provide details including which bureau is reporting the change, the type of change, and when the change occurred. A valid email address is required to participate as alerts will be communicated via email notifications and your user dashboard.
  2. Credit Reports and Scores: You will be provided with your Trans Union credit report and score or Tri-bureau credit report and Tri-bureau credit score as reported from the three nationally recognized credit bureaus, TransUnion, Equifax, and Experian. You can access your credit reports and scores anytime you log into your on line account. Information provided in your reports will be account summary, account history, personal information, credit inquiries, creditor contacts, public filings, credit inquiries, and consumer statement. This is a one-time static report that reflects your credit file and score at the time the report is pulled.
  3. Cyber Monitoring: Your ID Watchdog cyber monitoring service will provide monitoring service scanning compromising areas, such as unencrypted chat rooms, malicious websites, and black market sites for detection of any matching information associated with your name, email address, and social security information on file. In the event ID Watchdog detection occurs, ID Watchdog will notify you via email notification and your user dashboard.
  4. Alternative Lender Monitoring: Your ID Watchdog Alternative Lender Protection service will monitor data feeds from alternative lenders for items such as; Payday loans, rent-to-own, title pawn and more; for activity associated with your name and social security information. In the event an application is made using your information for a alternative loan, ID Watchdog will notify you via email, and your user dashboard.
  5. Identity Monitoring Services: ID Watchdog will use its technology to search multiple databases to detect any changes to your Baseline Identity Profile that may have occurred. If ID Watchdog detects a change, we will immediately notify you via the desktop, email notifications, or your user dashboard and, at your request, work with you to investigate these changes. If no such change is detected, we will advise you of that. While ID Watchdog monitors for the evidence of identity theft, it does not prevent identity theft.
  6. Instant Identity Monitoring / High Risk Transaction Monitoring: Numerous organizations, as well as financial institutions use a technology that verifies a customer's identity before they process high-risk transactions such as opening a new account, changing passwords or transferring money to an outside account. We monitor this process through a best in class Analytic Network and will alert you if an attempt was made to verify your identity by a participating institution, enabling you to quickly identify and verify the activity. This service is limited by how a particular financial institution utilizes this technology if at all.
  7. Identity Theft Insurance: ID Watchdog offers Identity Theft Insurance from insurance company subsidiaries or affiliates of American International Group, Inc. providing assistance and financial relief for identity restoration costs, legal defense expenses and lost wages. Please refer to the actual policies for terms, conditions, amount of coverage, deductible, and exclusions of coverage.
  8. ID Watchdog ID SnapshotSM: If irregularities or potential irregularities are discovered as a result of ID Watchdog’s services, you may request an ID Snapshot Report. This report utilizes more detailed information from additional databases for the purpose of identifying the areas affected by identity theft. We require a written and signed power of attorney in order to provide you these services. This is part of ID Watchdog’s resolution services.
  9. ID Watchdog ID RehabSM: This service is for resolution of identity theft. In accordance with the Guarantee described below, if the monitoring services and the ID Watchdog Snapshot Report indicate possible identify theft, ID Watchdog Resolution service agents will, upon you providing us with a signed, limited power of attorney, work to resolve any incidence of identity theft that appears in your personal consumer reports, and which have been reported to law enforcement authorities. Efforts will continue on your behalf for so long as you are a Current Customer, until the fraudulent database entry has been corrected. This is the ID Watchdog ID Rehab service. Note that in some cases, public records (like a different address) that result from identity theft will still exist in your files even after the completion of ID Watchdog ID Rehab. However, our efforts should alleviate your responsibility for the consequences of the perpetrated fraud.

2. Delegation of Power/Limited Power of Attorney (for ID SnapShot and ID Rehab only):

ID Watchdog will only be able to act on your behalf when you authorize ID Watchdog in writing to request and receive information from proprietary database sources, for investigative purposes. We will require a revocable power of attorney to allow us to communicate with various agencies on your behalf in our efforts to mitigate the effects of identity theft. We will only act on your behalf with your permission.

3. Police Report and Signed Affidavit (for ID Rehab only):

ID Watchdog service agents provide remedy for verified fraudulent accounts in your personal consumer reports. We cannot resolve suspicions of fraudulent activity. We require a police report and an ID Theft Affidavit that details the specifics of the loss we are to remedy. ID Watchdog agents are available to assist customers with the process of filing a police report and completing an ID Theft Affidavit.

4. Disclaimers and Exclusions as to Services:

  1. Reliance on Accuracy of Databases: ID Watchdog (and customers thereof) relies on the information contained in many third party databases to provide you the services. While ID Watchdog works hard to obtain the most current and most reliable data, we cannot guarantee the accuracy or completeness of such third party databases. Due to the dynamic nature of public records, and reliance on the accuracy of third party data sources, ID Watchdog does not promise to detect all possible occurrences of identity theft. ID Watchdog is not responsible for and does not represent the accuracy of third party databases.
  2. Does not monitor credit card or banking transactions: ID Watchdog does not monitor activity within your bank accounts and credit cards.
  3. Not a Credit Repair Service or Insurance Company: ID Watchdog does not seek to improve your credit score or standing, and is not a credit repair business. ID Watchdog services do not include contact by ID Watchdog with credit bureaus to remove or change items on your credit reports or advise or assist in improving your credit record, credit history or credit rating. Correction of identity theft damage in your personal records may or may not result in changes to your credit report or credit scores. ID Watchdog does not provide insurance and is neither an insurance company nor an agent for an insurance company.
  4. ID Snapshot for Previously-Existing Conditions: If your initial Baseline Identity Profile or Credit Report indicates a pre-existing threat of identity theft, research and resolution services are available for those incidents that were initiated prior to your ID Watchdog enrollment date, for an additional fee. You may purchase an ID SnapShot (as described above) to research previously-existing identity threats for $99.95, payable at the time of the request. ID Watchdog does not promise to detect all possible occurrences of identity theft. ID Watchdog is not responsible for and does not represent the accuracy of third party databases.
  5. ID Rehab for Previously-Existing Conditions: If your initial Baseline Identity Profile or Credit Report indicates a pre-existing threat of identity theft, and you have paid for the ID Snapshot pursuant to the paragraph above, you may also purchase ID Watchdog Rehab Services for an additional fee. Based on the type of ID Rehab service required, we charge the following per damaged line-item (or reported inaccuracy) per individual consumer reporting agency report (CRA).
    • $79.95 per Financial Record type (listed below). Record reported in the ID Snapshot and/or identified by you as Identity Theft.
      - Collection Accounts
      - Checking/Debit Accounts
      - Revolving Credit Accounts
      - Utility Accounts
      - Other Credit Accounts
      - Credit Inquires
      - Address Records associated with ID Theft
    • $179.95 per Personal and Civil Record type (listed below). Record reported in the ID Snapshot and/or identified by you as Identity Theft.
      - Real Estate Mortgage Accounts
      - Bankruptcies
      - Liens
      - Judgments
      - Medical Record Accounts
    • $279.95 per Law Enforcement and Government Record Type (listed below). Record reported in the ID Snapshot and/or identified by you as Identity Theft.
      - Outstanding Arrest Warrants
      - Criminal Records
      - DMV Records
      - Internal Revenue Service Records
      - Passport Accounts
    The fee includes investigation and rehabilitation of an erroneous item. Rehabilitation means that we work with the agency (or agencies) on the customer’s behalf, to mitigate the effects of that particular incidence of identity theft. As described in sections 2 and 3, ID Watchdog requires a signed, limited power of attorney, an ID Theft Affidavit, and a police report to work on your behalf. Note that in some cases, public records (like a different address) that result from identity theft will still exist in your files even after the completion of ID Rehab.
  6. Change in Fees: Fees stated herein are subject to change. Please contact a customer service representative for the most current fee information. Fees applicable to you may differ from those listed herein, based on special promotional offers, or because of group rates offered to large membership organizations through special distribution channels.

5. Termination, Notice to Terminate.

These terms and conditions apply from your enrollment until termination of the services by you or by the Company. You may terminate any services at any time by notice to ID Watchdog, effective immediately. ID Watchdog may terminate any services at any time by notice to you, effective as of the end of the then current and paid monthly, annual or tri-annual term, as applicable.

Upon the effective time of such a termination by you or ID Watchdog, all services and all obligations to pay for or provide services shall cease. Notice of termination shall be given as follows.

  1. a) You must request termination of ID Watchdog Services via telephone at the number set forth on the ID Watchdog website (www.idwatchdog.com). The telephone number is presently: 800-970-5182, but please verify this on the website. No third party may terminate your account. You will receive a written confirmation of the cancellation by email or first class mail.

6. Fees for Services (standard pricing):

Fees for Services are paid on the date you enroll in the Premium Services offered to you and on a periodic, recurring basis thereafter, generally monthly, but occasionally on an annual or tri-annual term. Monthly fees are nonrefundable. Fees and free trial periods applicable to you may differ from those listed herein based on special promotional offers, or because of group rates offered to large membership organizations through special distribution channels. Not all product offerings will include a free trial. Please review your Welcome Letter for complete details on applicable services available, pricing, payment terms and trial periods. All fees listed in these terms are subject to change with not less than 30 days prior notice. You must pay the fees when due in order to continue to receive the services. The Company may terminate or suspend your services for failure to pay your renewal fees when due it its sole and exclusive discretion. By enrolling in the services you agree to pay the following fees:

  1. Identity Verification Fee: Under certain product offerings, campaigns and promotions, an Identity Verification Fee will be charged to authenticate your true identity.
  2. Fees for Services: You agree to pay the applicable fees for the services available to you and in which you enroll. If you are offered a free trial period you must terminate the services by giving us notice within the trial period, or you will not be responsible for any payment obligations to the company other than the Identity Verification Fee. IF YOU DO NOT TERMINATE ID Watchdog SERVICES WITHIN THE INITIAL TRIAL PERIOD OR YOUR PRODUCT OFFERING DOES NOT INCLUDE A FREE TRIAL, WE WILL, IN ADVANCE OF THE NEXT SERVICE PERIOD, CHARGE THE PERIODIC FEE DESCRIBED IN YOUR WELCOME LETTER TO THE CREDIT CARD WE HAVE ON FILE FOR YOU. THE SERVICES WILL CONTINUE AND YOU WILL BE RESPONSIBLE FOR THE REGULAR PERIODIC FEE UNTIL YOU NOTIFY ID WATCHDOG OF TERMINATION AS PROVIDED IN PARAGRAPH 5. MONTHLY FEES ARE NONREFUNDABLE. IF YOU ENROLL IN AN ANNUAL OR TRI-ANNUAL PLAN AND TERMINATE PRIOR TO THE END OF THE CURRENT TERM, WE WILL REFUND YOU A PRORATED AMOUNT FOR THAT TERM, BASED ON THE ACTUAL MONTHS OF SERVICE USED, CALCULATED AT THE MONTHLY RETAIL PRICE (AND NOT AT ANY DISCOUNTED PRICE YOU MAY HAVE RECEIVED FOR ENROLLING IN A LONGER TERM PLAN). YOU MAY CANCEL SERVICE AT ANY TIME.

7. FCRA Disclosures

The FCRA allows consumers to receive one free comprehensive disclosure of all the information in their credit file from each of the Repositories once every 12 months through a central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You may also obtain your free comprehensive credit report file by calling the three credit bureaus directly at:

Experian: 1-888-EXPERIAN (1-888-397-3742)
Equifax: 1-800-685-1111
Trans Union: 1-800-916-8800

The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:

The FCRA also permits consumers to dispute inaccurate information in their Credit Report without charge. Accurate information cannot be changed. You do not have to purchase your Credit Report to dispute inaccurate or incomplete information in your credit file maintained by the three main credit bureaus.

8. Limited Guarantee to Resolve Identity Theft on consumer reports; Waiver and Limitation of Liability:

ID Watchdog guarantees that, for so long as you are an Active Customer with ID Watchdog and you cooperate with the Company and provide all necessary information, including the power of attorney, ID Theft Affidavit and police report, the ID RehabSM Service department will actively work to correct any personal records reported in your consumer reports that have been affected by identity theft, which appeared after your enrollment with ID Watchdog. Please be advised that while ID Watchdog will diligently work with and assist you correcting your personal records, some of the records are maintained by third parties and we cannot guarantee their cooperation. ID Watchdog cannot and does not recover or reimburse for damages, loss of income, loss of property or other harm or losses incurred in connection with identity theft. The ID RehabSM service is intended to provide correction of the fraudulent database entries on your personal records as reported in your consumer reports. To recover for damages, loss of income, loss of property or other losses for legal violations (by creditors, credit reporting agencies, etc.), you should seek legal advice. The Company does not provide any other warranties or guaranties for the services whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, noninfringement, or availability of the services.

THE COMPANY’S AND ITS AFFILIATES’, LICENSEES’ AND THIRD PARTY SERVICES PROVIDERS’ TOTAL AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS, ACTIONS, DAMAGES, LOSS, OR HARM CAUSED BY OR RELATED TO THE SERVICES SHALL BE STRICTLY LIMITED TO THE AMOUNT PAID BY YOU FOR THE SERVICES. TO THE EXTENT ALLOWABLE BY LAW, YOU EXPRESSLY WAIVE ANY AND ALL CLAIMS FOR OR RIGHTS TO ANY CONSEQUENTIAL OR PUNITIVE DAMAGES, LOST PROFITS, LOSS OF INCOME, AND CLAIMS FOR PAIN AND SUFFERING OR EMOTIONAL DISTRESS.

9. Confidentiality/Privacy:

Your privacy is very important to us. ID Watchdog uses commercially reasonable efforts to maintain all information obtained from you, or from third parties (about you), as confidential and private. ID Watchdog agrees to utilize your sensitive information solely for identity theft monitoring and resolution in connection with the services described herein, except as required to be disclosed by law or pursuant to a lawful subpoena or court order. You expressly authorize ID Watchdog and its employees to obtain various information and reports about you (or about any minor child that you have enrolled) as we deem reasonably necessary in order to perform the Services. You, individually or as the parent or legal guardian of a minor child you enrolled, authorize ID Watchdog and its employees to take any steps necessary to implement the services, including, but not limited to, completing and executing any documents, communicating with third parties, and acting as a personal representative to the fullest extent permitted by law. Certain personal information will be shared with third parties only to the extent necessary to provide the services that you enroll in. ID Watchdog takes steps to safeguard your information from unauthorized persons. Please see further information on this within our privacy policy, posted on the website: Privacy Policy

10. Notices:

All notices (other than a notice by you of your termination of services) shall be given in writing via e-mail, fax, personal delivery, or U.S. Mail. Notices to ID Watchdog shall be given at the following address:

ID Watchdog
PO BOX 297
Denver, CO 80201
www.idwatchdog.com

All notices to you will be sent to the address provided to ID Watchdog at enrollment, or such address that you may give ID Watchdog if you change your address.

11. Dispute Resolution Process:

These terms and conditions shall be governed by and construed under the laws of the State of Colorado without regard to conflicts of law. In the event of any claim or dispute between you and ID Watchdog arising from or relating to the services or these terms and conditions, both parties agree to resolve the claim in the following manner:

Negotiation: If either party has a dispute with the other, either may contact the other by email or phone. If needed, parties will agree to a phone conference to attempt resolution within 10 business days of initial email or phone contact.

Mediation: If the negotiation fails, the parties will contact the American Arbitration Association in Denver, Colorado to initiate phone mediation. Parties agree to complete mediation within 15 business days of failed negotiation.

Agreement to Arbitrate: You and ID Watchdog will make every effort to resolve disputes in a good faith manner either by negotiation or mediation; however, if that is not possible, within 30 days of the inability to settle through mediation, the parties agree to arbitrate their dispute as described below: You and ID Watchdog agree to hold arbitration through the neutral offices of the American Arbitration Association office in Denver, Colorado. Both parties agree to attend such arbitration, in person or by phone, and to abide by the rules of the American Arbitration Association with regard to submission of discovery of evidence and other rules of order.

IF A CLAIM OR DISPUTE IS TO BE ARBITRATED PURSUANT TO THIS AGREEMENT, BOTH PARTIES SHALL GIVE UP THE RIGHT TO LITIGATE THE CLAIM OR DISPUTE IN A COURT. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION WILL DETERMINE DISCOVERY AND APPEAL RIGHTS.

This section shall survive termination of these terms and conditions.

12. Entire Agreement.

These terms and conditions together with the Privacy Policy and your Welcome Letter represent the entire agreement between you and ID Watchdog. Your enrollment in or purchase of any of the services offered by the Company and described herein constitutes your acceptance of and agreement to these terms and conditions.