Identity Fraud Insurance

The Identity Fraud Insurance is a feature available only to customers on a paid plan. This is not available for any free plans. As a paying customer of HOGO^®, your membership includes Identity Fraud Expense Reimbursement as provided under a Blanket Policy issued to Consumer Direct, Inc.^® by Voyager Indemnity Insurance Company, an Assurant Specialty Property company.

The Identity Fraud Insurance described herein is underwritten by Voyager Indemnity Company, an Assurant Specialty Property company.

Various provisions in these Terms and Conditions restrict coverage. Read the entire Terms and Conditions carefully to determine rights, duties and what is and is not covered.

I. LIMITS OF INSURANCE

Coverage	Aggregate Limit of Liability
Plan Type	Family Plan
Expense Reimbursement:	$1,000,000 per Family Plan per 12 Month Period

II. DEFINITIONS

Access Device means a card (including credit, debit and ATM cards), code, PIN, password, personal check or other similar means of access to the association member's account at a financial institution that may be used by the association member to gain access to said account for the purpose of withdrawing or transferring funds, making purchases, or making long distance or cellular/digital(wireless) telephone calls.

Association or Policyholder means ConsumerDirect, Inc.^®

Association Member means the primary association member and primary association member's family members.

Data Breach means the misuse of the association member's information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor, a securities firm, employer or other institution/company maintaining the association member's personal information, that results in monies stolen from the association member's accounts or misuse of data to obtain credit or monies using the association member's information.

Date of Discovery occurs when the association member first becomes aware of facts which would cause a reasonable person to assume that a loss covered by this insurance has been or will be incurred, even though the exact amount or details of loss may not then be known. Discovery also occurs when the association member receives notice of an actual or potential claim against the association member involving loss covered under this insurance.

Direct Loss means a loss which occurs directly and immediately when a covered cause of loss affects covered property.

Domestic Partner means person designated in writing by the primary association member who is registered as a domestic partner or legal equivalent under laws of the governing jurisdiction or who:

is at least eighteen 18 years of age and competent to enter into a contract;
is not related to the primary association member by blood;
has exclusively lived with the primary association member for at least twelve (12) consecutive months prior to primary association member's effective date;
is not legally married or separated; and
as of primary association member's effective date, has with the primary association member at least two (2) of the following financial arrangements
1. a joint mortgage or lease;
2. a joint bank account;
3. joint title or ownership of a home, motor vehicle or status as joint lessee on a motor vehicle lease;
4. a joint credit card account with a financial institution.

Effective Date refers to the date that the primary association member is enrolled in the membership program that includes this Identity Fraud insurance coverage.

Expenses means:

Costs incurred by the association member for re-filing applications for loans, grants, or other credit that are rejected solely because the lender received from any source incorrect information as a result of the identity fraud;
Costs for notarizing affidavits or other similar documents, long distance telephone calls, travel and postage reasonably incurred as a result of the association member's efforts to report an identity fraud or amend or rectify records as to the association member's true name or identity as a result of an identity fraud;
Reasonable costs incurred by the association member for up to six (6) credit reports from established credit bureaus (with no more than two (2) reports from any one credit bureau) dated within twelve (12) months after the association member's discovery of an identity fraud, and costs incurred for contesting the accuracy or completeness of any information contained in a credit report following an identity fraud;
Payment for reasonable expenses incurred that were a result of recovery from an identity fraud such as; credit freeze, credit thaw costs, transcript costs, appeal bond, court filing fees, expert witness or courier fees;
Actual lost base wages that would have been earned, for time reasonably and necessarily taken off work solely as a result of efforts to amend or rectify records as to the association member's true name or identity as a result of an identity fraud. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days and excludes sick days, business interruption and future earning of a self-employed professional. Coverage is limited to base wages within twelve (12) months after discovery of an identity fraud. Base wages must be supported by and based on prior year tax return.
Child or elderly care costs that would have otherwise not been incurred, resulting from time reasonably and necessarily taken away from providing such care as a result of efforts to amend or rectify records as to the association member's identity as a result of an identity fraud.
Reasonable and necessary costs incurred by association member for ordering medical records for the purpose of amending and/or rectifying these documents as a result of an identity fraud.
Reasonable and necessary costs incurred by association member for the replacement of identification cards, driver licenses and passports as a result of an identity fraud.

Family Member means the primary association member's spouse or domestic partner, parent, siblings, children and/or any other member of, or dependent persons residing in the primary association member's household. Family member also includes a primary association member's spouse or domestic partner's:

unmarried children (including those who the association member is their legal guardian) under twenty-one (21) years of age.
unmarried children (including those who the association member is a legal guardian) under twenty-six (26) years of age if a full-time student at an accredited college or university.
dependent(s) with documented disabilities who have the same primary residence as the association member and who relies on the association member for maintenance and support.

Any family member who does not reside at the primary association member's home is not eligible for coverage, except unmarried children (including those who the association member is a legal guardian) under twenty-six (26) years of age if a full-time student at an accredited college or university.

Family Plan means a membership program that: extends coverage under the Policy under which this coverage is provided, up to the Aggregate Limit of Liability shown on the Limits of Insurance section of these Terms and Conditions, to the primary association member and their family members and for which the Family Plan membership fee/ product fee is paid.

The Aggregate Limit of Liability shown on the Limits of Insurance section of these Terms and Conditions will be the maximum amount we will pay for all covered losses per Family Plan regardless of the number of losses that occur for any one association member per twelve (12) month period.

Forgery means the signing of the name of another person or organization with intent to deceive; it does not mean a signature, which consists in whole or in part of one's own name signed, in any capacity, for any purpose.

Fraud or Embezzlement means:

An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by the association member, but which was in fact fraudulently transmitted by someone else without the association member's knowledge or consent; or
A written instruction issued by the association member, which was altered by someone other than the association member, or purported to be issued by the association member but was forged or fraudulently issued without the association member's knowledge or consent; or
An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruction initially received by the association member which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without the association member's or the employee's knowledge or consent.

Identity Fraud means the act of knowingly transferring or using, without lawful authority, a means of identification of the association member with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal, State or local law.

Loss means the expenses and legal costs incurred by the association member as the direct result of a covered transaction.

Legal Costs means the costs for reasonable fees for an attorney appointed by us from our legal network provider or costs, up to a maximum of $125 per hour, for reasonable fees for an attorney selected by the association member and related court fees, incurred by the association member with our consent, for:

Defense of any legal action brought against the association member by a merchant, creditor or collection agency or entity acting on their behalf for non-payment of goods or services or default on a loan as a result of the identity fraud;
Defense of or the removal of any civil judgments wrongly entered against the association member as a result of identity fraud;
Challenging the accuracy or completeness of any information in association member's consumer credit report, medical history or tax history, as a result of identity fraud; and
Member's initial consultation with a lawyer to determine the severity of and appropriate response to an identity fraud.

Legal network provider means the entity contracted with us to provide access to a nationwide network of qualified attorneys to perform pre-negotiated services at a pre-negotiated rate.

Occurrence means an incident of an actual or attempted fraudulent, dishonest or criminal act or series of related acts, whether committed by one or more persons.

Occurrence data date means the earliest possible date of discovery.

Primary Association Member means a member, customer, cardholder, borrower, or employee of the Policyholder who is in good standing with the Policyholder:

for which the primary association member membership fee/ product fee has been paid; and
whose name is shown on the enrollment/registration form or membership.

Proof of Loss means receipts for reasonable out of pocket expenses.

Spouse means a person who is either:

legally married to the primary association member; or
meets the definition of domestic partner to the primary association member

Stolen Identity Event means the theft, unauthorized, or illegal use of the association member's name, social security number, or other method of identifying the association member.

We, Us, and Our means the company providing this insurance, which is Voyager Indemnity Insurance Company, an Assurant Specialty Property company.

III. COVERAGE

We will reimburse the association member for expenses and legal costs incurred by the association member, up to the Aggregate Limit of Liability shown on the Limits of Insurance section of these Terms and Conditions, as the direct result of the following:

Fraud or Embezzlement
For loss arising out of fraud or embezzlement perpetrated against the association member, with an occurrence date during the term of the membership.
Theft
For loss resulting directly from theft of property related to the association member's information, checkbook, savings record, ATM access or securities from the association member, with an occurrence date during the term of the membership, by a person from whom the association member purchased goods or services.
Forgery
For loss, with an occurrence date during the term of membership, resulting directly from forgery or alteration of checks, drafts, promissory notes, or similar written promises, orders or directions to pay money that are:
1. Made or drawn by or drawn upon the association member's account; or
2. Made or drawn by one purporting to act as the association member's agent.
Data Breach
For loss, with an occurrence date during the term of the membership, resulting directly from the misuse of association member's information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor, a securities firm, employer or other institution/company maintaining the association member's personal information, that results in monies stolen from the association member's accounts or misuse of data to obtain property, credit or monies using the association member's information.
Stolen Identity Event
For loss resulting from a stolen identity event, including but not limited to a stolen identity event occurring on or arising out of the use of the Internet. The occurrence must be during the term of the membership.

We will pay up to the limit of insurance shown on the Limits of Insurance section of these Terms and Conditions.

IV. EXCLUSIONS

Identity Fraud Insurance does not cover:

loss due to any fraudulent, dishonest or criminal act by the association member or any person acting in concert with the association member, or immediate family member, whether acting alone or in collusion with others;
loss resulting directly or indirectly from any errors or omissions occurring in the following actions:
1. the input of data to any computer system; or
2. the processing of data by any computer system; or
3. the manual or electronic processing of any output produced by any computer system;
loss resulting directly or indirectly from the voluntary surrendering by the association member of any access device, in whole or in part, to any person or entity;
loss resulting from any unintentional clerical error in the transfer from or debit of any account of the association member which is initiated by a financial institution, or any employee(s) thereof. However, this exclusion shall not apply to a fraudulent act of an employee(s) of a financial institution where said employee(s) is acting without the permission or instruction of their employer;
loss in connection with any pre-authorized transfer from any account to or for the benefit of a financial institution, or to any other account of the association member;
indirect or consequential loss of any nature;
loss of potential income not realized by the association member;
loss other than expenses;
loss resulting from an identity fraud that was discovered prior to primary association member's effective date, or the effective date of the Identity Fraud Blanket Policy under which this coverage is provided;
loss arising out of business pursuits of the association member;
loss of valuable papers, valuable documents, jewelry, silverware and other personal property including the philatelic value of stamps and the numismatic value of coins not in circulation;
property damage, bodily injury or personal injury;
losses incurred from financial performance of any investment of financial product;
loss from games of chance;
recovery of actual financial losses of any kind from acts of fraud or identity theft;
any loss, claims or damages that are not covered under the terms and provisions as outlined in these Terms and Conditions;
legal fees in excess of $125 per hour;
any loss which occurred while the association member was not an active and paid association member of the association.

V. CONDITIONS

Limits of Insurance - Our maximum limit of liability for loss under these Terms and Conditions shall not exceed the applicable limit stated on the Limits of Insurance section of these Terms and Conditions.
All loss incidental to an actual or attempted fraudulent, dishonest or criminal act or series of related acts, whether committed by one or more persons, shall be deemed to arise out of one occurrence.
Our total aggregate limit of liability shown on the Limits of Insurance section of these Terms and Conditions will be the maximum amount we will pay for all covered losses per family plan, regardless of the number of losses that occur for any one association member per twelve (12) month period.
Loss Payment
We will pay any loss covered under this Policy within thirty (30) days after:
1. We reach agreement with the association member; or
2. The entry of final judgment.
Notice of Claim must be given to us by the association member:
1. in writing; and
2. within a reasonable time period after the date of discovery.
Settlement of Claims
We will pay all covered claims within ninety (90) days from the date we receive acceptable proof of loss at our office.
Duties When Loss Occurs - Upon knowledge or discovery of loss or of an occurrence which may give rise to a claim under the terms of these Terms and Conditions, the association member is responsible for the following requirements:
1. Give notice as soon as practicable to:
  1. the appropriate authority and affected institutions, if applicable; and
  2. call (877) 208-5412 to make a valid claim within 60 days of the covered loss, or as soon as reasonably possible. If the claim is reported after 60 days of the loss, association member's claim may be denied.
  If the loss involves a violation of law, the association member shall also notify the police. The association member must submit a copy of the police report when filing a claim;
2. File detailed proof of loss, duly sworn to, with us within sixty (60) days after the discovery of loss;
3. Take all reasonable steps to mitigate loss resulting from identity fraud including, but not limited to, requesting a waiver for any applicable fees, loan application fees or credit bureau fees;
4. Upon our request, submit to examination by us, and subscribe the same, under oath if required;
5. Upon our request, cooperate to help us enforce legal rights against anyone who may be liable to the association member to include giving evidence and attending depositions, hearing and trials;
6. Immediately forward to us any notices, summons or legal papers received by the association member in connection with the loss or the identity fraud;
7. Produce for our examination all pertinent records;
8. Cooperate with us in all matters pertaining to loss or claims;
all at such reasonable times and places as we shall designate
The association member shall not voluntarily assume or admit any liability, nor, except at said association member's own cost, voluntarily make any payment or incur any expense without our prior written consent, such consent not to be unreasonably withheld.
The association member shall keep books, receipts, bills and other records in such manner that we can accurately determine the amount of any loss. At any time subsequent to the reporting of the loss to us, we may examine and audit the association member's books and records as they relate to a loss under this coverage.
Transfer of Rights of Recovery Against Others to Us - If any person or organization to or for whom we make payment under this insurance has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing to impair
Other Insurance - This insurance is primary coverage over any other insurance.
Should association member be enrolled in more than one membership program insured by us, we will reimburse the association member under each membership:
1. subject to the applicable deductibles and limits of liability of each membership;
2. but in no event shall the total amount reimbursed under all memberships exceed the actual amount of loss; and
in no event shall the limit of liability under all memberships exceed the largest limit of liability available to the association member under any membership program insured by us.
Action Against Us - No action may be brought against us unless there has been full compliance with all of the terms and conditions as outlined in these Terms and Conditions, and suit is filed within twenty-four (24) months from the date of occurrence. No one will have the right to join us as a party to any against the policyholder or association member.

Identity Fraud Expense Reimbursement is provided under a Blanket Policy issued to Consumer Direct, Inc.^® by Voyager Indemnity Insurance Company, an Assurant Specialty Property company.

To obtain a complete copy of the Blanket Policy as issued to Consumer Direct, Inc.^®, contact Assurant Specialty Property at 1 (877) 208-5412.