Optional product details

Spousal Account Balance Protection Insurance

If you enroll in the optional Account Balance Protection Spousal insurance program ("ABPS") and pay the required premiums, ABPS will make: a monthly payment corresponding to 5% of the balance on your President's Choice Financial Mastercard account ("Account") as at the date of your or your spouse’s disability or job loss for up to 20 consecutive months in the case of disability, up to age 65 (the person must be disabled from performing any work for which they are qualified) or involuntary job loss, up to age 65 (the person must have worked at least 30 hours per week for at least 3 consecutive months with the same employer prior to their termination date); one monthly payment on the Account of 5% of your balance on the first day of hospitalization up to $500 in the event of your or your spouse’s hospitalization for more than 2 consecutive days, up to age 75; and the outstanding balance on your Account (one payment up to $15,000 maximum) upon your or your spouse’s death, accidental dismemberment or first diagnosis of a critical illness (cancer, heart attack, or stroke), up to age 75. Benefits will be paid for either the primary cardholder or the spouse, not both. In this coverage, “spouse” means the person who is legally married to the primary cardholder of the Account or, otherwise, the person who has been living in a conjugal relationship with the primary cardholder for a continuous period of at least one (1) year and who resides in the same household as the primary cardholder. A primary cardholder may only have one spouse at a time.

The cost for ABPS is $1.19 per $100 of the current month's statement balance, plus applicable taxes. For example, if the balance on your monthly statement was $300, the cost would be $3.57 plus applicable tax. You or your spouse must be gainfully employed and not self-employed to be eligible for the involuntary unemployment benefit and disability benefit; ABPS will pay benefits on an eligible claim starting on the 31st day of your or your spouse’s disability or involuntary loss of employment. Some conditions and restrictions apply. Full details of your coverage will be mailed to you in a Certificate of Insurance and an enrolment letter, which will also advise you of the effective date of insurance. Exclusions, which vary by coverage, include pregnancy, voluntary or mandatory retirement, pre-existing conditions, unemployment anticipated at the time of application or due to seasonal work, self-employment, contract work, strike or lock-out, any occurrence within 90 days of the effective date for cancer and 30 days for heart attack and stroke. All exclusions and limitations are contained in the Certificate of Insurance, which you should read carefully and keep for your own records. This insurance can be cancelled at any time.

Try it risk-free: should you choose to cancel this coverage within the first 30 days of your coverage becoming effective, President's Choice Bank will refund any premiums collected and coverage will be deemed never to have been in force. Additional Account Balance Protection Insurance plan options may be available. For complete information regarding Account Balance Protection options or to cancel this insurance at any time, please call 1-866-246-7262 to speak with a representative. ABPS is underwritten by The Canada Life Assurance Company (Canada Life) who can be reached at 1-877-789-4182. President's Choice Bank receives an administration fee from Canada Life to distribute ABPS.

Account Balance Protection Insurance – Standard

This optional insurance plan covers you in three different ways:

  1. If you were to become disabled or lose your job involuntarily before age 65 while enrolled in the plan, it pays 3% of your President’s Choice Financial Mastercard balance at the date of disability or job loss each month for up to 2 years starting after 30 days of disability or unemployment.
  2. If you were to be hospitalized for more than 7 consecutive days before age 70 while enrolled, it would make a one-time payment of 3% of the outstanding balance of your President’s Choice Financial Mastercard as of the date of hospitalization, up to $500.
  3. It would pay up to $15,000 to cover the outstanding balance on your President’s Choice Financial Mastercard as of the date of death or injury in the event of your loss of life or accidental dismemberment. This death and dismemberment benefit covers you and any authorized user who is your spouse.

To enrol in ABP you must be 64 years of age or younger and presently employed full-time, which means you must be actively at work 30 hours per week and have been in the same job with the same employer for at least the last 3 consecutive months. You cannot enrol in the ABP insurance plan if you are self-employed. The monthly premium that will be charged to your President’s Choice Financial Mastercard is $0.99 (plus applicable taxes) per $100 of your current month’s statement balance. For example, if the balance on your monthly statement was $300 on the statement date, the cost would be $2.97 plus applicable tax. ABP is underwritten by The Canada Life Assurance Company (Canada Life), who can be contacted at 1-877-789-4182. Canada Life will send you the Certificate of Insurance for the ABP plan. In this material you will find your welcome letter which states the effective date of your coverage. Be advised that this coverage is not effective immediately. You can cancel your coverage at any time by calling the toll-free number listed in your Certificate of Insurance. Should you choose to cancel this coverage within the first 30 days of your coverage becoming effective, any premiums billed to your President’s Choice Financial Mastercard will be refunded. The coverage will automatically be terminated at 12:01 a.m. on the earliest of any of the following occurrences:

  • The next account statement date after you request cancellation;
  • The date your President’s Choice Financial Mastercard account is more than 90 days delinquent or you are more than 90 days late in making any required payments, including the monthly premium charge;
  • The date your President’s Choice Financial Mastercard account is terminated;
  • The date of termination or cancellation of the group master policy;
  • The date of your death;
  • The date of your 65th birthday for disability and involuntary unemployment benefits or the date of your 70th birthday for all other coverages.

Like all insurance there are limitations and exclusions that apply. Notably, in respect of the involuntary unemployment and disability benefit, you must be gainfully employed on a full-time basis at least 30 hours per week with the same employer in the 3 consecutive months prior to any claim arising. IMPORTANT EXCLUSIONS include things like suicide, criminal offences, seasonal unemployment, pre-existing conditions, self-employment, leaves of absence including maternity leave or paternal leave, unemployment within 30 days of the effective date of coverage and hospitalization or disability relating to pre-existing conditions resulting in a claim within 6 months of the coverage effective date, normal pregnancy or childbirth, or abuse of drugs or alcohol, among others. You should review the Certificate of Insurance for a full list of exclusions. President’s Choice Bank receives compensation in connection with the ABP insurance plan.

Account Balance Protection – Involuntary Job Loss Insurance

If you enrolled in the optional Account Balance Protection - Involuntary Job Loss insurance program, for $0.79 per $100 of the current month's statement balance, plus applicable taxes, Account Balance Protection - Involuntary Job Loss insurance can make a monthly payment corresponding to 5% of the balance on your President's Choice Financial Mastercard as at the date of occurrence for up to 20 consecutive months in the case of involuntary job loss up to age 65. For example, if the balance on your monthly statement was $300, the cost would only be $2.37 plus tax. You must remain unemployed for 31 days (91 days if self-employed) to be eligible for involuntary unemployment benefits, which will be retroactive to the date of occurrence. Some conditions and restrictions apply. Full details of your coverage will be mailed to you in a Certificate of Insurance and an enrolment letter, which will also advise you of the effective date of insurance. This insurance may be cancelled at any time by calling 1-866-246-7262. Try it risk-free: should you choose to cancel this coverage within the first 30 days of your coverage becoming effective, President's Choice Bank will refund any premiums collected. Account Balance Protection - Involuntary Job Loss insurance is underwritten by The Canada Life Assurance Company (Canada Life) who can be reached at 1-877-789-4182. Exclusions include voluntary or mandatory retirement, unemployment anticipated at the time of application or due to seasonal work, strike or lock-out and termination of a contract by reason of its completion or fulfilment on its expected end date in accordance with its terms. You must have worked for 6 consecutive months with the same employer. As a full-time employee you must have worked 30 hours per week, or on a permanent part-time basis at a minimum of 20 hours per week. This insurance does not include coverage for life, disability, hospitalization or dismemberment. All exclusions and limitations are contained in the Certificate of Insurance, which you should read carefully and keep for your own records. President's Choice Bank receives an administration fee from Canada Life to distribute Account Balance Protection - Involuntary Job Loss insurance.

Credit Alert Plus

Welcome Letter Disclosure If you have any questions about the service or you wish to cancel at any time, simply call us at 1-877-399-1944. If you call to cancel within 30 days of the date of this letter, you will not be billed. After the 30-day free period, the monthly charge of $19.99 plus applicable taxes will be billed to your President’s Choice Financial® Mastercard®. Of course, you can cancel any time after the free trial period and all future charges will be stopped. You will receive a pro-rated refund for the unused portion of your monthly fee.

Privacy Policy This Privacy Policy is effective December 2016.

We understand that protecting your identity and personal information is critically important to you. The services are provided to you through a partnership between Intersections Inc. ("Intersections") and Sigma Loyalty Group ("Sigma").

We want you to be fully informed about how your information is used and protected by Intersections and Sigma in providing the services.

In this Policy, Intersections and Sigma may be referred to individually, or collectively as "we", "us", and "our", as applicable to the areas of responsibility for collecting, handling and protecting your information.

Your Credit Report Information As part of the services you have requested, we may, based on the authorization you have provided, retrieve or access your credit report information from credit reporting agencies on your behalf, and provide that information to you.

While Intersections provides your credit report, Sigma may also require access to your credit report to provide customer service support as needed by you.

Except for the purposes of customer service support, we do not disclose that credit report information to anyone except you.

Other Personal Information In addition to your credit report information as described above, we collect other personal information in order to:

  • Process your application for the services.
  • Verify your identity and retrieve your credit report information.
  • Provide other services to you, including payment processing, customer service and restoration services.

We collect information such as your name, mailing address, email address, phone number, date of birth, or other information that may be needed to verify your identity. Credit card or other payment information will also be collected.

Intersections may also collect credit card information from you for the purpose of providing internet surveillance, if requested by you.

Your personal information collected by Sigma may be obtained from your financial institution, or directly from you, for the purposes of enrolling you to receive this service.

Your personal information is shared with, or obtained directly by, Intersections for the purposes of delivering you the services, which includes obtaining your credit information, hosting and maintaining the website, providing internet surveillance, and providing you with ongoing credit bureau monitoring.

Information from Mobile Apps If you use one of our mobile apps for the service, we may also collect mobile device-related information such as your device type/model, operating system and version in order to enable access to the services you have requested.

Information by Telephone If you contact us by telephone, we may monitor and/or record your discussions with our customer service representatives for our mutual protection to confirm our discussions with you. We may also use your call for coaching and training purposes.

Information by Email If you contact us by email, we will use your email address to acknowledge your comments and/or reply to your questions. Your email and our response may be stored by us as confirmation of our communication.

Cookie Information Intersections uses "cookies" to:

  • help personalize our website
  • ensure a secure connection when delivering services involving sensitive personal information
  • analyze and optimize the use of the services

Cookies are small bits of computer code that your browser creates to store data locally on your computer or smartphone. Most Web browsers allow you to modify your settings to notify you when you receive a cookie or to reject cookies entirely.

If you decide not to accept cookies from our website, you might not be able to take advantage of all of its features.

Intersections may also use a third party service provider to gather and analyze information about the areas that have been visited on the website, to help us evaluate and improve the convenience of the website, and to help us evaluate some of the specific information related to your website visits.

Restricted Access To access your personal information on the website, you are required to select a user name and password. It is your responsibility to restrict access to your user name and password so that only you may gain entry to your personal information online.

If you have concerns that your user name or password may have been compromised, contact Customer Service immediately at 1-800-548-2610.

Confidentiality and Security We recognize the importance of having advanced security on our systems to safeguard your information.

We maintain industry standard technical, physical, and administrative safeguards to protect your personal information against unauthorized access, use, modification, or disclosure while in our custody and control.

We review our security procedures regularly to ensure that they are properly administered and remain effective and appropriate.

Children's Privacy Our website, and our services, are intended for use only by adults. We do not knowingly solicit or retain information from children.

Changes to Our Privacy Policy From time to time, we may update our Privacy Policy to provide greater clarity about our information handling practices.

If however, we should make a substantive change to our Privacy Policy that significantly impacts how we collect, use, or disclose personal information, we will post a notification on our website in advance of the implementation.

Access to Your Information Correction of any information contained within the credit report must be done by you through the credit reporting agency.

With the exception of your credit report information as outlined above, you have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at:

Sigma Loyalty Group
P.O. Box 1700 STN D
Toronto, Ontario
M9A 5C7

We will take reasonable steps to verify your identity before granting access or making corrections.

We will respond to your request for access, update, and/or correction in a reasonable time. Certain changes to your personal information may be subject to legal restrictions and, if applicable, these will be communicated to you.

Retention of Personal Information We will retain your personal information as long as you are enrolled in the service provided by us, and to satisfy any legal compliance.

Service Providers We may transfer or disclose personal information to service providers who assist in the fulfillment of our services to you.

Our service providers are given only the information they need to perform their designated functions, and they are not authorized by us to use or disclose your personal information for any other purposes.

We require our service providers to protect personal information which has been provided to them in a manner that is consistent with our privacy and security practices.

Intersections may process and store your personal information in the United States. In certain circumstances, your personal information may be disclosed as required by law to law enforcement or regulatory agencies.

Additional Offers From time to time, we may contact you about our services and those of our partners. You may opt-out of being contacted about such services by contacting Customer Service at 1-800-548-2610.

Surveys and Customer Research From time to time, we may offer you the opportunity to participate in one of our surveys or other customer research. We use this information to help us understand our customers and to enhance the product and service offerings.

Legal Compliance Intersections, Sigma, our affiliates, and other service providers may be required to provide your personal information in response to:

  • a search warrant or other legally valid inquiry or order,
  • an investigative body permitted by applicable Canadian or U.S. law in the case of a breach or contravention of a law.

We may also disclose personal information where necessary to:

  • Establish, exercise or defend a legal claim,
  • Investigate or prevent actual or suspected loss or harm to persons or property.

In the event we are required by law to disclose personal information, we will take reasonable steps to verify the lawful authority for the collection, and disclose only the information that is legally required.

Business Transactions We may disclose personal information in connection with a proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets. This confidential disclosure would be for the purpose of evaluating and/or performing the proposed transaction.

If required, our assignees or successors may use and disclose your personal information for similar purposes as those described in this Privacy Policy in order to continue providing you with our services.

Accountability We take our commitment to privacy seriously. We will investigate and respond in a reasonable time to your questions or concerns about the privacy of your personal information and our privacy procedures.

You may contact us by:

Terms Of Use PLEASE READ THIS TERMS OF USE CAREFULLY. THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU (REFERRED TO AS 'YOU' AND VARIATIONS SUCH AS 'YOUR'), ON THE ONE HAND, AND INTERSECTIONS INC. AND SIGMA LOYALTY GROUP INC. (INTERSECTIONS INC. AND SIGMA LOYALTY GROUP INC. ARE REFERRED TO COLLECTIVELY AS "WE", "US" AND VARIATIONS SUCH AS "OUR"), ON THE OTHER HAND. THIS TERMS OF USE CONTAINS THE LEGAL TERMS AND CONDITIONS BETWEEN YOU AND US REGARDING THE CREDIT ALERT® PLUS, CREDIT ALERT® IDENTITY PROTECTION AND/OR CREDIT ALERT® CREDIT MANAGEMENT SERVICES, WHICHEVER OF THOSE SERVICES YOU ORDERED. THE SERVICES YOU ORDERED ARE REFERRED TO IN THIS TERMS OF USE AS THE 'SERVICE,' AND THE TERM 'SERVICE' AS USED IN THIS TERMS OF USE INCLUDES ALL OF THE PRODUCTS, SERVICES AND SOFTWARE THAT ARE INCLUDED WITH THE SERVICES YOU ORDERED. BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE SERVICE, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICE, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND AGREE TO BE BOUND BY THIS TERMS OF USE.

Use of the Service You may not use the Service unless you are eighteen years of age or older. Any information you provide to us must be true, accurate, current, and complete. You shall not use the Service for any illegal purpose, and you shall abide by all applicable federal, provincial, local and international laws and regulations. The Service is for your personal use only, and not for commercial purposes. You may not use the Service to obtain information about or make decisions about anyone but yourself. You are solely responsible for any reliance by you on the Service or other use you make of the Service.

Personal Information Authorization As needed to provide the Service to you, you authorize and instruct us to obtain, monitor and compile your credit information from one or more credit reporting bureaus or agencies, and other of your personal information for the purpose of providing the Service to you.

Limited Software License In addition to all other provisions in this Terms of Use, the following provisions apply specifically to the software used, accessed or delivered as part of the PRIVACYPROTECT™ software (the 'Software'): Conditional on your continued compliance with these Terms of Use, these Terms of Use provides you with a revocable, limited, non-exclusive, non-transferable license to use the Software solely as part of the Service. Any rights granted hereby may not be sublicensed, leased, sold, transferred or assigned by you to any third party. You may not make any copy of, or allow access to, the Software other than as expressly permitted in these Terms of Use. The PRIVACYPROTECT™ software may be installed on no more than one computer. You may use the Software on a network only if you have a valid license for each copy on each computer on the network. You may not use a previous version or copy of the Software after you have received an upgraded version as a replacement of the prior version. Upon upgrading the Software, all copies of the prior version must be destroyed.

Credit Reports and Scores The Service is not intended to substitute for any free credit report or disclosure that any credit reporting agency or bureau is required by law to provide to you. Neither you nor anyone else has the right to have accurate and current information removed from your credit report. If information in your credit report is inaccurate you have the right to dispute it by contacting the credit bureau directly. Any credit score provided as part of the Service is provided to us by one of the credit bureaus in Canada and is not developed or created by us. Lenders and other creditors may use a different score to evaluate a person's creditworthiness. Each lender or other creditor has specific underwriting standards, so a person should not assume that he or she will receive the same evaluation, credit terms or conditions from each lender or creditor. We do not provide the Service, or any advice or assistance, for the purpose of improving your credit report, credit history or credit score.

Your Account Registering as an online user or subscriber with the Service requires both a user name and a password, and certain portions of the Service may require use of multiple one time or persistent passwords. You should consider your user names and passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to the restricted portions of this Service and to your account. You must keep your user name and password confidential. You shall immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your user name and password. You must immediately change your user name and/or password as soon as you become aware of any loss or theft of your password or any unauthorized use of your user name and password. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH ANY OF THESE OBLIGATIONS. We reserve the right to delete or change a user name or password at any time and for any reason.

Fees and Charges You authorize us to charge your credit card or other account that you have designated. To ensure uninterrupted service, your subscription will automatically renew until you cancel. Monthly, annual and other periodic or renewal fees will be charged at the then current rate. You may cancel the Service at any time by calling the toll free number provided by us. You have the right to cancel your subscription without fee or penalty at any time.

*Applicable taxes are HST for ON 13%, PEI 14%, NL, NB, NS 15% with the remaining provinces at GST 5% plus QC QST 9.975%. All tax rates are subject to change by the applicable regulatory authority. Sigma Loyalty Group Inc. GST /HST # is 76234 8522 RT0001, QST # is 1224069720-TQ0001

Changes to Service, Fees or Terms of Use; Termination We reserve the right to modify these Terms and Conditions from time to time in accordance with applicable laws. We reserve the right to terminate your account with or without cause at any time and for any reason. You agree that any termination of your access to the Service may be effected without prior notice. You may terminate your account at any time by calling the number provided by us. Once your account has terminated for any reason, you will have no further right or access to use the Service, and you immediately shall cease using and destroy all copies of any Software.

Privacy Policy In connection with your enrollment and registration for the Service, or use of the Service, you will be submitting your personal information to us, or allowing us to access your personal information, including account passwords, user names, financial account information and other personal information, as well as other data, materials and content you submit ('Your Information'). BY SUBMITTING YOUR ORDER, ACCESSING OR USING THE SERVICE, OR DOWNLOADING ANY SOFTWARE PROVIDED AS PART OF THE SERVICE, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ OUR PRIVACY POLICYAND AGREE TO BE BOUND BY IT. Subject to our Privacy Policy, you agree that we may use, copy, modify, display and distribute Your Information as we require to provide the Service. You represent that you have the right to give us Your Information and authorize its use as described above.

Electronic Notices and Communications THE SERVICE IS AN ELECTRONIC, INTERNET-BASED SERVICE. YOU UNDERSTAND AND AGREE THAT THIS TERMS OF USE WILL BE ENTERED INTO ELECTRONICALLY, AND THAT THE FOLLOWING CATEGORIES OF INFORMATION ('COMMUNICATIONS') MAY BE PROVIDED BY ELECTRONIC MEANS: THESE TERMS OF USE AND ANY AMENDMENTS, MODIFICATIONS OR SUPPLEMENTS TO THEM; ANY INITIAL, PERIODIC OR OTHER DISCLOSURES OR NOTICES PROVIDED IN CONNECTION WITH THE SERVICE, INCLUDING WITHOUT LIMITATION OUR PRIVACY POLICY, THE REGULATORY DISCLOSURES SET FORTH BELOW, AND ANY OTHER COMMUNICATIONS REQUIRED BY FEDERAL OR PROVINCIAL LAW; AND ANY OTHER COMMUNICATION RELATED TO THE SERVICE. COMMUNICATIONS MAY BE POSTED ON THE PAGES OF THE SERVICE WEBSITE AND/OR DELIVERED TO THE E-MAIL OR POSTAL MAIL ADDRESS YOU PROVIDE. YOU SHOULD PRINT A PAPER COPY OF THESE TERMS OF USE AND ANY ELECTRONIC COMMUNICATION THAT IS IMPORTANT TO YOU AND RETAIN THE COPY FOR YOUR RECORDS. YOU MAY REQUEST A PAPER COPY OF LEGALLY REQUIRED NOTICE, WITHDRAW YOUR CONSENT TO RECEIVE COMMUNICATIONS ELECTRONICALLY, OR CHANGE YOUR EMAIL OR POSTAL ADDRESS FOR RECEIPT OF COMMUNICATIONS, BY CALLING THE NUMBER PROVIDED BY US OR SENDING YOUR REQUEST BY E-MAIL TO CUSTOMERSERVICE@ALERTSERVICE.CA. IF YOU CHOOSE TO WITHDRAW YOUR CONSENT, THEN YOU WILL RECEIVE COPIES OF LEGALLY REQUIRED NOTICES IN PAPER FORM. IN ORDER TO ACCESS AND RETAIN ONLINE COMMUNICATIONS, YOU MUST HAVE: AN INTERNET BROWSER THAT SUPPORTS 128-BIT ENCRYPTION; AN E-MAIL ACCOUNT AND E-MAIL SOFTWARE CAPABLE OF READING AND RESPONDING TO YOUR E-MAIL; A PERSONAL COMPUTER, OPERATING SYSTEM AND TELECOMMUNICATIONS CONNECTION TO THE INTERNET, OR IN THE CASE OF OUR MOBILE SERVICE, A WIRELESS DEVICE, SOFTWARE AND CONNECTION TO THE INTERNET CAPABLE OF SUPPORTING THE FOREGOING; AND SUFFICIENT ELECTRONIC STORAGE CAPACITY ON YOUR COMPUTER'S HARD DRIVE OR OTHER DATA STORAGE UNIT OR A PRINTER THAT IS CAPABLE OF PRINTING FROM YOUR BROWSER AND E-MAIL SOFTWARE.

Export Restrictions The Service is only available for purchase by residents of the United States of America (the 'U.S.') or Canada. Further, you understand and acknowledge that you may not sign up for the PRIVACYPROTECT™ portion of the Service, or download the PRIVACYPROTECT™ software, from countries outside of the U.S or Canada. You agree to abide by U.S. and other applicable export control laws and not to transfer the Software to a national destination or person prohibited under such laws. Further, you acknowledge that the Software includes encryption software that may be subject to export, import, and/or use controls. Accordingly, in no event may the Software and the underlying information and technology may not be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Afghanistan, Cuba, Iraq, Libya, Yugoslavia, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders.

Privacy Protect Software: U.S. Government Restricted Rights

RESTRICTED RIGHTS LEGEND: All of our software and documentation is commercial in nature. The Software and Software documentation are 'Commercial Items,' as that term is defined in 48 C.F.R. § 2.101, consisting of 'Commercial Computer Software' and 'Commercial Computer Software Documentation,' as such terms are defined in 48 C.F.R. § 252.227-7014(a)(5) and 48 C.F.R. § 252.227-7014(a)(1), and used in 48 C.F.R. § 12.212 and 48 C.F.R. § 227.7202, as applicable. Consistent with 48 C.F.R. § 12.212, 48 C.F.R. § 252.27-7015, 48 C.F.R. § 227.7202 through 227.7202-4, 48 C.F.R. § 52.227-14, and other relevant sections of the Code of Federal Regulations, as applicable. The Software and any related documentation licensed to United States Government end users with only those rights as granted to all other end users, according to the terms and conditions contained in this Terms of Use. Manufacturer of the Privacy Protect Software is STRIKEFORCE TECHNOLOGIES, INCORPORATED, Customer Sales and Service, 1090 King Georges Post Road, Suite 108, Edison, New Jersey, 08837, USA.

Proprietary Rights You acknowledge and agree that we or our licensors own all rights in and to the Service. Our and our licensors' rights are protected by laws and regulations, including copyright laws, patent laws and international intellectual property treaties. You are permitted to use the Service only as expressly authorized by this Terms of Use. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile any of the Service or technology.

Third Party Products and Web Sites We may offer or provide you access to products, services or Web sites provided by third parties, including but not limited to promotional or incentive offers, or free services provided by third parties, including the ZoneAlarm® Internet Security Suite and Web sites that hyperlink to our Web site. We do not control or bear any responsibility for those Web sites or third parties, including but not limited to their products or services or use by them of personal information you may provide them. Further, in order to use the Identity Theft Restoration Service you will be required to agree to additional terms and conditions of Sigma Assistel Inc., and you will be bound by those terms and conditions. If and when you provide any personal information of any kind to Sigma Assistel Inc., any use of that information will be governed by those terms and conditions and the privacy policy provided by Sigma Assistel Inc. to you.

Exclusion of Representations and Warranties THE SERVICE IS PROVIDED ON AN "AS IS" BASIS ONLY. NEITHER WE, NOR ANY LICENSOR OR THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, MAKES, AND EACH EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, ACCURACY OR THAT THE SERVICE IS ERROR FREE OR SECURE. THE SERVICE CONTAINS INFORMATION PROVIDED BY ONE OR MORE THIRD PARTY CREDIT REPORTING AGENCIES OR OTHER THIRD PARTY DATA PROVIDERS. WE DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY SUCH THIRD PARTY PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT NEITHER WE NOR ANY SUCH THIRD PARTY PROVIDER HAS ANY OBLIGATION TO CORRECT INFORMATION ABOUT YOU EXCEPT AS REQUIRED BY APPLICABLE LAW. INFORMATION YOU REQUEST MAY NOT BE AVAILABLE OR MAY NOT BE PROVIDED, AND WE HAVE NO LIABILITY FOR SUCH FAILURE. NEITHER WE NOR ANY THIRD PARTY DATA PROVIDER SHALL BE LIABLE FOR ANY DAMAGES CAUSED BY NON-DELIVERY, DELAYED DELIVERY, OR THE MISDIRECTED DELIVERY OF AN ALERT, UPDATE OR OTHER INFORMATION, INACCURATE OR INCOMPLETE INFORMATION IN AN ALERT, UPDATE OR OTHER INFORMATION, OR YOUR RELIANCE ON OR USE OF ANY ALERT, UPDATE OR OTHER INFORMATION. WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. ANY SOFTWARE, MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK AND YOU SHALL BE SOLELY RESPONSIBLE FOR ANY INJURY, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.

Limitations of Liability IN NO EVENT MAY WE, OR ANY LICENSOR OR THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICE MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE DURING THE TWELVE MONTHS PRIOR TO THE DATE YOUR CLAIM ARISES. SOME JURISDICTIONS LIMIT OR PROHIBIT THE FOREGOING LIMITATIONS, AND IN SUCH JURISDICTIONS THE FOREGOING LIMITATIONS SHALL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Miscellaneous Provisions These Terms of Use are governed by the laws of the Province of Ontario, exclusive of its choice of law principles. These terms of use and the supporting documentation contained in this fulfillment package constitute the entire agreement.

Trademark and Copyright © Intersections Inc. 2016. All rights reserved. INTERSECTIONS, CREDIT ALERT and PRIVACYPROTECT™ are trademarks or federally registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; TransUnion is a registered trademark of Trans Union of Canada, Inc.; and other trademarks are trademarks of their respective owners. The PRIVACYPROTECT™ Software is provided to you by us under a license from StrikeForce Technologies, Inc.