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Identity Defense License and Terms of Service

Last updated: November 16, 2021.

Thanks for choosing Identity Defense. First, let’s review the License and Terms of Service according to which we offer the services to you. In this document, we’ll outline in detail what we provide you (our customers), and each of our legal obligations. The terms and conditions contained in this document will be collectively referred to as the “Terms”.

Here is a quick breakdown to make these easier to understand:

When do these terms apply?

These Terms apply to your use of the Identity Defense products or services, including all software provided as a part of our services (the “Software”), whether through the web or a mobile application, or in any other manner (collectively, the “Services”). As such, these Terms apply anytime you (i) create an account in connection with the Services; (ii) download or use any Software in connection with the Services, (iii) use any of the Services via our websites, or (iv) otherwise use the Services or interact with Pango in connection with the Services.

How do you agree to our terms?

You are agreeing to these Terms when you sign up for or use the Services. This means that anytime you access or use the Services, you are agreeing to the Terms. We encourage you to read our Terms carefully, as they contain many important provisions, including automatic renewal terms and mandatory arbitration, that significantly affect your legal rights.
We note, in particular, that these Terms contain an arbitration agreement that requires U.S. users to resolve disputes with Pango or its affiliates through arbitration on an individual basis. Arbitration on an individual basis means that you will not have, and you waive, the right for a judge or jury to decide your claims, and that you may not proceed in a class, consolidated, or representative capacity. See Section 2.12 below for the details of the arbitration agreement.

Who is Pango?

"Pango," "We,” or "Us" means Intersections LLC. and our affiliates. These Terms represent a binding contract between you and Pango.

What is covered by these Terms?

To make it easier to understand, we’ve divided our legal terms into four parts:
(1) Billing, Cancellation and Refund Policies: This covers terms related to billing, automatic renewals, cancellation and refunds, when billing is handled by Pango. Separate terms may apply if you didn’t purchase the Services directly from Pango.
(2) General Legal Terms: This covers the general legal terms that make up the contractual relationship between you and Pango such as eligibility, user accounts, binding arbitration, and indemnification.
(3) Service Specific Terms: These are specific terms that apply to the Services that Pango is providing to you.
(4) License Terms: These are terms that govern how we give you a license to access and use the Services.


PART 1. AUTOMATIC RENEWALS, BILLING AND REFUNDS

1.1 Subscription. Our Services are billed on a subscription basis (“Subscription”). You will be billed in advance for your Subscription on a recurring and periodic basis (“Billing Cycle”). The length of your Billing Cycles will depend on the Subscription you select. Billing Cycles will typically consist of one (1) month or one (1) year terms. You agree to pay for the Subscription that you select for the Services and you authorize us to automatically charge the payment method our service provider has on file for your recurring payments according to the Billing Cycle applicable to your Subscription.

1.2 Automatic Renewals. At the end of each Billing Cycle, your Subscription will automatically renew for an additional Billing Cycle under the same terms and conditions unless you or we cancel your Subscription at least a day prior to the commencement of your next Billing Cycle. Several methods of cancelling your Subscription are available to you, and are described at https://www.identitydefense.com/faq.
Once you have canceled your Subscription, your recurring subscription fees for the Services will no longer be charged to the payment method we have on file for your account, and your subscription will remain active only until the end of the current Billing Cycle. You may also be eligible for a refund depending on the specific plan and offer you subscribed to in accordance with the applicable section(s) below. See Section 1.5 below.
If your Subscription includes a guarantee that you may cancel your Subscription and receive a refund within a set period of time (“Money Back Guarantee”), you must request a refund within the timeframe applicable to your Money Back Guarantee (“Money Back Period”) (e.g., if your Subscription includes a 30-day Money Back Guarantee you would need to cancel within 30 days of the date of purchase).

1.3 Payment Methods. A valid payment method, including credit card, is required to process the payment for your Subscription. You shall provide us or our third-party payment processor, with accurate and complete billing information including full name, address, state, zip code, and valid payment method information. By submitting such payment information, you automatically authorize us to charge all Subscription fees incurred through your account to any such payment instruments.
Unless we expressly provide otherwise, all amounts paid are non-refundable. You further agree to be responsible for all taxes associated with the Services, along with any transaction fees and currency conversions added by your financial institution and intermediaries. All amounts are in U.S. Dollars. If the billing method you provide is a credit or debit card (“Payment Card”), you: (a) represent that you are authorized to use such Payment Card; (b) authorize us to charge your Payment Card periodically for the Subscription fees when due, including upon sign up for the Services and each subsequent Billing Cycle; (c) agree to keep your Payment Card details valid and current; and (d) agree to pay any processing fees that are charged by the third-party payment processors or Payment Card issuer. If your Payment Card is declined when we attempt to charge it, we may try to charge it again at a later time. If we do not receive payment, we may suspend or terminate your Subscription.

1.4 Fee Changes. We may change the fees that we charge for the Services, at any time at our sole discretion, provided that we will give you at least thirty (30) days, and prior notice of such changes. Unless otherwise specified in such notice to you, any changes to the Subscription fees will take effect in the Billing Cycle immediately following our notice to you.


PART 2. GENERAL LEGAL TERMS

IMPORTANT NOTICE REGARDING ARBITRATION FOR U.S. CUSTOMERS – IF YOU RESIDE IN THE U.S. WHEN YOU AGREE TO THESE TERMS, YOU AGREE TO RESOLVE ALL DISPUTES WITH Pango AND ITS AFFILIATES THROUGH ARBITRATION ON AN INDIVIDUAL BASIS RATHER THAN JURY TRIALS OR CLASS ACTIONS. PLEASE REVIEW SECTION 2.12 OF THESE TERMS FOR DETAILS REGARDING ARBITRATION.

2.1 Eligibility. Our Services are not available to persons who are not Eligible or to any users previously suspended, terminated, or removed from the Services by Pango. “Eligible” means that (i) you are 18 years of age or above the age of majority in your jurisdiction of residence (whichever is greater) or (ii) you are 13 years of age or older but under the age of majority in your jurisdiction of residence and are using the Services with the permission and involvement of a parent or legal guardian who has agreed to these Terms. By downloading, using, or accessing the Services, you represent and warrant that you are Eligible. If you are a parent or legal guardian of a user under the age of majority, by allowing the minor user to use the Services, you are acknowledging that you are subject to these Terms and responsible for the minor user’s activity on the Services. Under no circumstances may anyone under 13 years of age use or access the Services at any time or in any manner or submit any information through the Services.

2.2 User Accounts and Passwords. Registration as a user or subscriber with the Services may require both a user name and a password, and certain portions of the Services may require the use of multiple one-time or persistent passwords. You should consider your usernames and passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to the restricted portions of the Services and your account. You are responsible for safeguarding the password that you use to access the Services and for any activities or actions under your password, whether your password is with our Services or third-party service. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene. We reserve the right to block a user’s account and/or prohibit a user from using the Services in the event of any suspected or actual fraud or a violation of these Terms, as determined in our sole discretion.

2.3 User Data & Submissions. When you create an account with us, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of these Terms. You are fully and solely responsible and liable for the content and data you enter into our Services.
Also, certain features on the Services may allow you to post or submit communications and content on or through the Services (“Submissions”). You own any intellectual property rights to your Submissions, but, by making a Submission, you automatically grant, or warrant that you and/or the owner of such content has expressly granted, Pango a royalty-free, perpetual, irrevocable, worldwide, unlimited, nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the Submission in any media or medium, or any form, format, or forum, now known or hereafter developed, to improve or market the Services or for any other reasonable business purpose. We may sublicense these rights through multiple tiers of sublicenses.
You are responsible for your Submissions and acknowledge that once published, we cannot always remove them. By making a Submission, you guarantee that you own the content of your Submission and/or that you have obtained all required permissions – including copyright and other intellectual property rights – necessary to make the Submission and grant the foregoing license to Pango.
Your Submissions shall not be deemed confidential and Pango shall not have any obligation to keep any such material confidential. Pango shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products incorporating such information.

2.4 Free Trials. Pango may, at its sole discretion, offer a Subscription with a free trial for a limited period (“Free Trial”). You may be required to enter your billing information to sign up for the Free Trial. If you do enter your billing information when signing up for the Free Trial, you will not be charged by us until the Free Trial has expired. On the last day of the Free Trial period, unless you canceled your Subscription, you will be automatically charged the applicable Subscription fees for the type of Subscription you have selected. At any time and without notice, we reserve the right to (i) modify the terms and conditions of the Free Trial offer, or (ii) cancel such Free Trial offer.

2.5 Third-Party Products and Policies. We may offer or provide you access to products, services, or websites provided by third parties, including but not limited to free services provided by third parties and websites that hyperlink to our website or to whom we hyperlink (collectively “Third-Party Content”). Pango does not control or bear any responsibility for Third-Party Content, including but not limited to their products or services or use by them of personal information you may provide them. If you choose to access or use any Third-Party Content, including without limitation through third-party payment vendors while using the Services. Your personal information may be available to a third-party content provider. If you choose to visit or use any Third-Party Content, these Terms will not apply to your activities or any information you disclose while using third-party products or services or otherwise interacting with third parties. How third parties handle and use your personal information related to their sites and services is governed by their security, privacy, and other policies, if any, and not our policies. Pango has no responsibility for any third party’s policies or any third party’s compliance with them. Under no circumstances shall we be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused to a user in connection with the use of or reliance on any Third-Party Content.

2.6 Indemnification. To the fullest extent permitted by law, you agree to indemnify and hold Pango, its affiliates, agents, suppliers, vendors, contractors, third-party partners, and licensors, and each of their respective contractors, subcontractors, officers, directors, shareholders, employees, agents, and its third-party suppliers, licensors, and partners (collectively, the “Pango Entities”) harmless from any claims, losses, damages, liabilities, including legal fees and expenses, arising out of your use and misuse of the Services, any violation by you of these Terms, or any breach of the representations, warranties, and covenants made by you herein. Pango reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify the Pango Entities, and you agree to cooperate with Pango’s defense of these claims. Pango will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

2.7 Export. The Services, or certain portions thereof, may be subject to United States export controls. You may not export or re-export any aspect of the Services without (a) the prior written consent of Pango, (b) complying with any applicable export control laws, and (c) obtaining all appropriate permits and licenses. In any event, you may not remove or export from the United States or allow the export or re-export of any part of the Services in violation of any restrictions, laws, or regulations of the United States Department of Commerce, the United States Department of Treasury Office of Foreign Assets Control, or any other United States or foreign agency or authority. The Services may contain information that is controlled and restricted from export by the United States export controls restrictions, regulations, and laws described above (the “Controlled Information”). If Pango, in its sole discretion, determines that it cannot implement the Services in a manner to exclude access to Controlled Information where required, if you are in a country or territory that is subject to such regulation, you shall not be provided access to the Services.

2.8 Disclaimers; No Warranties. TO THE FULLEST EXTENT PERMITTED UNDER LAW AND SAVE FOR THE RIGHTS GRANTED TO CONSUMERS UNDER APPLICABLE LAWS, Pango disclaims all warranties, statutory, express, or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No information, whether oral or written, obtained by you from Pango or through the Services will create any warranty not expressly stated herein. You expressly agree that the use of the Services is at your sole risk. The Services and any data, information, third-party software, services, or applications made available in conjunction with or through the ServiceS are provided on an “as is” and “as available,, “with all faults” basis and with no assurances that the Services will withstand attempts to evade security mechanisms or that there will be no cracks, bugs, disablements or other circumvention. Pango does not warrant that the Services will be uninterrupted or free of errors, viruses, or other harmful components and does not warrant that any of the foregoing will be corrected. You understand and agree that if you use, access, or download the Services, or otherwise obtain or transmit materials, data, or other content while using the Services, you do so at your discretion and risk.
SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

2.9 Limitation of Liability and Damages. TO THE FULLEST EXTENT PERMITTED UNDER LAW, Pango AND THE Pango ENTITIES WILL HAVE NO OBLIGATION OR LIABILITY (WHETHER ARISING IN CONTRACT, WARRANTY, TORT, INCLUDING NEGLIGENCE, PRODUCT LIABILITY, OR OTHERWISE) FOR ANY DAMAGES OR LIABILITIES, INCLUDING DIRECT, INCIDENTAL, INDIRECT, SPECIAL, OR CONSEQUENTIAL (INCLUDING ANY LOSS OF DATA, REVENUE OR PROFIT OR DAMAGES ARISING FROM PERSONAL INJURY/WRONGFUL DEATH) ARISING CONCERNING YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES TO DAMAGES ARISING FROM (i) USE OF OR INABILITY TO USE THE SERVICES, (ii) COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS BY THIRD PARTIES, (iv) THIRD PARTY CONTENT MADE AVAILABLE TO YOU THROUGH THE SERVICES, OR (v) ANY OTHER MATTER RELATING TO THE SERVICES.
Also, when using the Services, information will be transmitted over a medium that is beyond the control and jurisdiction of Pango, its partners, advertisers, and sponsors, or any other third party mentioned on the Services. Accordingly, Pango assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with the use of the Services. NEITHER PANGO, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES SHALL HAVE ANY LIABILITY TO YOU AS AN AGENT IN OBTAINING COPIES OF ANY OF YOUR CREDIT REPORT, CREDIT ALERT REPORT, QUARTERLY UPDATE, OR CREDIT SCORE. NEITHER PANGO, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR CREDIT INFORMATION SUBCONTRACTORS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, FOR THE ACCURACY OF THE INFORMATION CONTAINED IN OR PROVIDED IN CONJUNCTION WITH THE PANGO SERVICES. NEITHER PANGO, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES ASSUME ANY LIABILITY FOR DAMAGES, DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL, IN CONNECTION WITH THE PERFORMANCE OF THE SERVICES OR YOUR REQUEST, USE, OR ATTEMPTED USE OF THE SERVICES. NEITHER PANGO NOR ANY OF THEIR RESPECTIVE AFFILIATES OR CREDIT INFORMATION SUBCONTRACTORS ARE RESPONSIBLE FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY REPORTS YOU RECEIVE AS PART OF THE SERVICE. THE AGGREGATE LIABILITY OF ALL SUCH PARTIES TO YOU, IN ANY EVENT, IS LIMITED TO THE AMOUNT WHICH YOU HAVE PAID PANGO FOR YOUR MEMBERSHIP. PANGO PRODUCTS AND SERVICES ARE NOT A CREDIT COUNSELING SERVICE AND DO NOT PROMISE TO HELP YOU OBTAIN A LOAN OR IMPROVE YOUR CREDIT RECORD, HISTORY, OR RATING. THE TERMS OF THIS SECTION SHALL SURVIVE ANY TERMINATION, CANCELLATION, OR EXPIRATION OF THIS AGREEMENT.

2.10 Basis of the Bargain. You acknowledge and agree that Pango has offered the Services, set its prices, and entered into these Terms in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between you and Pango, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and Pango. Pango would not be able to provide the Services to you on an economically reasonable basis without these limitations.

2.11 Government Use. This Section 2.11 applies where the Services are provided for the benefit of a U.S. governmental end-user. As defined in FAR section 2.101, the Services are “commercial items” and according to FAR 12.212 and DFARS section 252.227-7014(a)(1) and (5) are deemed to be “commercial computer software” and “commercial computer software documentation.” Consistent with FAR section 12.212 and DFARS section 227.7202, any use modification, reproduction, release, performance, display, or disclosure of such commercial software or commercial software documentation by the U.S. Government will be governed solely by these Terms and will be prohibited except to the extent expressly permitted by these Terms.

2.12 DISPUTE RESOLUTION BY BINDING INDIVIDUAL ARBITRATION
Please read this carefully. It affects your rights.
(A) Most customer concerns can be resolved quickly and to the customer's satisfaction by calling customer service at 1-888-217-0379. In the unlikely event that customer service is unable to resolve a complaint you may have with Pango or Pango’s service Provider(s) to your satisfaction (or if Pango and/or Pango’s service Provider(s) have not been able to resolve a dispute with you after attempting to do so informally), you, on the one hand, and Pango and/or Pango’s service provider(s), on the other, each agree to resolve those disputes under the Arbitration Agreement contained in this Section 2.12. The Arbitration Agreement requires you to resolve all disputes (other than those expressly exempted in this Section 2.12) through binding arbitration on an individual basis, instead of in courts of general jurisdiction to the fullest extent permitted by law. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. We will pay all costs of arbitration, no matter who wins, so long as your claim is not frivolous. However, in arbitration, you, on the one hand, and Pango and/or Pango’s service provider(s), on the other, will be entitled to recover attorneys’ fees to the same extent they would be available in court.
(B) ARBITRATION AGREEMENT – You, on the one hand, and Pango and/or Pango’s service provider(s), on the other, agree that any claim or dispute ("Claim") between us shall, at the election of any one of us, be resolved by binding arbitration ON AN INDIVIDUAL BASIS administered by the American Arbitration Association (“AAA”) under its rules for consumer arbitrations, as modified by this Arbitration Agreement. The AAA Rules as well as instructions on how to file an arbitration proceeding with the AAA appear at adr.org. Pango can also help put you in touch with the AAA. The parties intend that this agreement to arbitrate (“Arbitration Agreement”) be construed broadly, such that this Arbitration Agreement includes any Claims by you against Pango or Pango’s service provider(s) as well as their respective corporate affiliates for any claims, disputes, or causes of action related in any way to (i) your use of the Services or (ii) the breach, enforcement, interpretation, applicability, or validity of these Terms or any part of them (including this Arbitration Agreement).
You agree that, by entering into these Terms or otherwise using the Services, you are waiving the right to a trial by jury or to participate in a class action. At your request, we will promptly reimburse you for the payment of your arbitration filing fee. (The filing fee for consumers currently is $200 but is subject to change by the arbitration provider. If you are unable to pay this fee, we will pay it directly after receiving a written request). The arbitrator shall be authorized to award whatever relief would be available in a court under law or in equity, other than relief reserved for the courts by law or statute. YOU, ON ONE HAND, AND PANGO AND/OR PANGO’S SERVICE PROVIDER(S), ON THE OTHER, AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Pango agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision in the preceding sentence is found to be unenforceable, then the entirety of this Arbitration Agreement shall be null and void. The parties to these Terms acknowledge that this Arbitration Agreement is made according to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. ("FAA"), except to the extent state law provides defenses or exceptions not preempted by the FAA. Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow substantive law to the extent consistent with the FAA and shall honor any claims or privileges recognized by law. The terms of this Section 2.12 shall survive any termination, cancellation, or expiration of this Agreement.
Exceptions to Arbitration: Notwithstanding the foregoing, the following claims are not subject to this Arbitration Agreement, provided that they are brought and maintained as individual claims and not in any class, consolidated, or representative capacity: (1) claims you may have which relate to your credit report, or any claims arising out of or relating to the Fair Credit Reporting Act (“FCRA”) and/or the FCRA’s state law equivalent(s) or (2) claims properly lodged in a small claims court of the United States.

2.13 Prohibited Conduct. BY USING THE SERVICES YOU AGREE NOT TO:
(a) use the Services for any fraudulent, harassing, or abusive purpose, or to damage or cause risk to our business, reputation, employees, subscribers, facilities, or any person;
(b) use the Services for any illegal purpose, or in violation of any local, state, national, or international law; (c) use the Services for any commercial use, it being understood that the Services are for personal, non-commercial use only;
(d) use the Services if you are not Eligible;
(e) remove, circumvent, disable, damage, or otherwise interfere with security-related features of the Services, features that prevent or restrict use or copying of the Software, or features that enforce limitations on the use of the Services;
(f) reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Services or any part thereof;
(g) intentionally interfere with or damage the operation of the Services, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code.


2.14 Digital Millennium Copyright Act. It is Pango’s policy to respond to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act. For more information, please go to our DMCA Notification Guidelines.

2.15 Notice to California Residents. You may reach Pango at the contact information provided below in the “CONTACT US” section. California residents may also reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

2.16 No relationship. These Terms do not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency, or franchisor-franchisee relationship between you and Pango.

2.17 No Tax or Legal Advice; No Credit Repair Services. You acknowledge and agree that we are not providing any legal, tax, or financial advice by providing the Services to you. We are also not a credit repair agency and use of the Services will not repair your credit or improve your creditworthiness.

2.18 Monitoring of Customer Service Sessions. We and our partners may, but have no obligation to, monitor and record customer service sessions, including telephone calls and online sessions for purposes of improving customer service, internal training, and internal market research. You hereby grant us permission to monitor and record any customer service sessions involving you and to use or disclose any information as necessary or appropriate to satisfy any law, regulation, or other governmental requests; to provide the Services to you or other users, and/or to enhance the types of Services we may provide in the future.

2.19 Privacy. We respect your privacy and have taken specific steps to protect it. Your submission of personal information through the Services is governed by our Privacy Policy. By participating in the Services, you acknowledge that you have reviewed and understand our Privacy Policy and consent to the practices described in that policy.

2.20 Termination by Pango. Pango may terminate your use of the Services or discontinue providing access to the Services at any time and for any reason, including, but not limited to any actual or suspected breach by you of these Terms or any other unacceptable or objectionable use of the Services, as determined by Pango in its sole discretion. You agree that any termination of your access to the Services may be effected without prior notice and you agree that Pango will not be liable to you or any third party for any such termination.
If such termination or discontinuation occurs during a period for which you are a paid subscriber, you may be entitled to a pro-rated refund of your current subscription payment amount in connection with your use of the Services. If your account is terminated due to your breach of these Terms, you will not be eligible for a refund. All refunds are issued at Pango’s sole discretion and any refund request may be denied for any or no reason. If you have been terminated from the Services and wish to request a refund, please email customer service at customercare@identitydefense.com and describe the circumstances relating to the termination or discontinuation of your use of the Services. Any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Pango may have at law or in equity.

2.21 Termination by You. You may terminate these Terms at any time by discontinuing use of the Services, deleting your account with the Services, and uninstalling any Software downloaded in connection with your use of the Services.

2.22 Assignment. These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you but may be assigned by Pango without restriction. Any assignment attempted to be made in violation of these Terms shall be void.

2.23 Additional Terms. Certain areas, features, or functionality of the Services may be subject to different or additional terms, rules, guidelines, or policies (“Additional Rules”), and we may provide such Additional Rules to you via postings, pop-up notices, links, or other means at the time that you access or use the relevant area, feature or functionality. From time to time, such Additional Rules may conflict with these Terms. In the event of such a conflict, the Additional Rules will control. Any reference to the “Terms” in this agreement includes the Additional Rules.

2.24 Entire Agreement. These Terms (including any documents incorporated here by reference) constitute the entire agreement between you and Pango concerning its subject matter, and it supersedes any other prior or contemporaneous agreements or terms, written or oral.

2.25 Force Majeure. Neither Pango nor you will be liable for inadequate performance under these Terms to the extent caused by events beyond the reasonable control of a party, which may include denial-of-service attacks, internet disturbance, strikes, riots, pandemics or epidemics, natural disasters, acts of God, war, terrorism, and governmental action.

2.26 Governing Law. These Terms will be governed by and construed by the laws of the Commonwealth of Virginia, USA, exclusive of its choice of law principles.

2.27 Interpretation. These Terms were prepared and written in English. Any non-English translations of these Terms which may be made available are provided for convenience only and are not valid or legally binding. Use of section headings in these Terms is for convenience only and will not have any impact on the interpretation of particular provisions. The use of the words "includes," "including," "such as," "for example," and similar terms are deemed not to limit what else might be included.

2.28 Jurisdiction. You agree that in the event of a dispute that is not subject to the Arbitration Agreement in these Terms, or if the Arbitration Agreement is found to be unenforceable any action at law or in equity arising out of or relating in any way to these Terms or your use of the Services, except any claim properly lodged in a Small Claims Court of the United States, will be filed only in the state or federal courts located in Fairfax County, (or Fairfax,) Virginia, and you hereby consent and submit to the personal and exclusive jurisdiction of such courts to litigate any such action. You further agree that any such claims will be brought solely on an individual basis and not as part of any class, consolidated, or representative capacity.

2.29 Notice. All notices must be in writing and will be deemed given when: (a) personally delivered, (b) verified by a written receipt, if sent by postal mail with verification of receipt service or courier, (c) received, if sent by postal mail without verification of receipt, or (d) verified by automated receipt or electronic logs if sent by email, provided that no bounce or other technical error message was received in response. Notices to Pango must be sent to Intersections LLC. d/b/a Pango at 2553 Dulles View Drive, Suite 400, Herndon, VA 20171, marked to the attention of the Legal Department, with a copy emailed to legalnotices@pango.co. Email alone is insufficient for providing non-routine legal notices to Pango such as notices related to Disputes or arbitration, indemnification claims, breach notices, and termination notices (“Non-Routine Notices”) to Pango. You may grant approvals, permission, extensions, and consents by email. Notices to you may be sent to the email address associated with your account for the Services. You consent to receive certain electronic communications from us in connection with your use of the Services. You agree that any notices or other communications sent to you electronically will satisfy any legal notice requirements. You must keep contact details associated with your account and accurate, and you will notify Pango in writing of any changes to such details.

2.30 Severability. If any provision of these Terms is held to be unlawful, void, or for any reason is unenforceable, then that provision will be limited or eliminated from these Terms to the minimum extent necessary and will not affect the validity and enforceability of any remaining provisions.

2.31 Survival. Upon termination or expiration of these Terms for any reason, such terms as by their nature would survive termination shall survive. In particular, Section 2.6 (Indemnification), 2.9 (Limitation of Liability), and 2.12 (Binding Arbitration) will survive.

2.32 Third Party Beneficiaries. Except as expressly provided herein, there will be no third party beneficiaries to these Terms.

2.33 Waiver. The failure of Pango to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Pango. Any cause of action arising out of or related to the Service by you against Pango must commence within one (1) year after the cause of action accrues.

2.34 Modification of this Agreement. Pango may make changes to these Terms at any time for a variety of reasons, such as to reflect changes in applicable law or to account for additional features or functionality in the Services. We may notify you of such changes by any reasonable means, including by posting a revised version of these Terms through the Services. You agree that it is your responsibility to regularly check the Services for any updated Terms. By continuing to use or access any of the Services or otherwise engaging with Pango after we post any changes, you accept the updated Terms. The “Last Updated” legend above indicates when these Terms were last changed. If a revision materially alters your rights, as determined by Pango in its sole discretion, we will use reasonable efforts to notify you in advance of the change becoming effective, which may include sending a notification to the email address(es) associated with your account or displaying a pop-up or banner within the Services. In any case, the most current version of these Terms will be posted on the Services. Changes will be effective no sooner than the day they are publicly posted. By continuing to use the Services after the date the changes become effective, you indicate your agreement to be bound by the updated Terms. If you do not agree to any changes made to these Terms, you must immediately stop using the Services.

2.35 Trademark and Copyright. © 2021 Pango All rights reserved. “PANGO,” “INTERSECTIONS,” “IDENTITY GUARD” (and combinations thereof) are trademarks and/or federally registered trademarks of Pango. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; Experian is a registered trademark of Experian, Inc.; TransUnion is a registered trademark of TransUnion, LLC; Watson is a trademark of IBM Corporation, and other trademarks are trademarks of their respective owners.
All aspects of the Services and their content, features, and functionality are owned by Pango, our licensors, or other content suppliers, and are protected by copyright and other intellectual property laws. See Part IV of these Terms for the details of the limited license under which you are permitted to use the Services.

2.36 Contact Us
If you have any questions about these Terms, please contact us at:
Identity Defense Customer Service
P.O. Box 222546
Chantilly, VA 20153-2546
Phone: 1-888-217-0379
Email: customercare@identitydefense.com


Part III. SERVICE SPECIFIC TERMS

Your use of the Services is subject to both the General Legal Terms (see Part II above) and these Service Specific Terms. These Service Specific Terms apply to you only if you have purchased or use one or more of the particular Services discussed below. Please note that not all of the Services are available in all countries. If there is a conflict or inconsistency between the General Legal Terms and these Service Specific Terms, the Service Specific Terms will govern and apply. Use of the term “Services” in the remainder of these Service Specific Terms refers to the specific products or services being discussed, as well as any related software offered by Pango. The following Services are covered in these Service Specific Terms:

  • Dark Web Monitoring
  • Secure VPN
  • Identity Theft Protection
  • Social Media Monitoring
  • Financial Transaction Monitoring
  • Home Title Monitoring
  • Identity Theft Remediation
  • Family Plans
  • Anti-Virus/Anti-Malware Removal
  • Mobile Messaging Alerts

Your Subscription may include some or all of these Services. It is your responsibility to review these Service Specific Terms and understand which terms and conditions apply to your Subscription. If you have any questions about the applicability of these Service Specific Terms, please feel free to contact us. See Section 2.42 above for Pango’s contact information.
Any warranty disclaimers or limitations of liability included in these Service Specific Terms do not limit the applicability or force of any more general warranty disclaimers or liability limitations found elsewhere in these Terms, including, without limitation, Sections 2.8 and 2.9 of the General Legal Terms.

3.1 Dark Web Monitoring

With our Dark Web Monitoring Services, you can designate your financial accounts, mailing address, and other types of personal information listed below, up to the limits associated with each type of information. These Services monitor for the information that you designate through your account (“Designated Information”) and notify you when your Designated Information is found online. By entering the Designated Information, you confirm that you own this information and have the right to provide it to us. This product will not monitor for or detect any information that you have not designated through your account.
If we find your Designated Information on the dark web, we will send you a notification. We will not remove your Designated Information from the dark web and we do not ensure the accuracy or integrity of the information on the dark web. We do not guarantee that the Services will identify all instances of your Designated Information on the dark web. You acknowledge and agree that our failure to identify Designated Information on the dark web will not constitute a breach or default by us of our obligations.
You can add the following personal information:

  • Credit card (up to 40)
  • Date of birth (up to 1)
  • Driver's license (up to 1)
  • Email address (up to 10)
  • Mailing address (up to 1)
  • Phone number (up to 5)
  • Financial account numbers (up to 5)
  • Health Insurance ID (up to 3)
  • Passport (up to 2)
  • SSN or SIN (up to 1)
  • Loyalty Cards (up to 10)
  • National Provider ID ( up to 1)

For our family plans, the Designated Information for each account must be entered and edited separately. No single member of a family plan can view or update the accounts for his/her entire household through his or her own account. Each account holder must sign into his/her own account in order to view or update the Designated Information.
When using the Dark Web Monitoring Services, you may not:

  • Undertake or accomplish any unlawful purpose. This includes, but is not limited to, posting, storing, transmitting or disseminating information, data or material which is libelous, obscene, unlawful, threatening or defamatory, or which infringes the intellectual property rights of any person or entity, or which in any way constitutes or encourages conduct that would constitute a criminal offense, or otherwise violate any local, state, federal, or non-U.S. law, order, or regulation;
  • Obtain, export, move or copy any data, information or material when you do not have the right to do so, or which was obtained using the Dark Web Monitoring Services for an unlawful purpose;
  • Attempt, in any manner, to obtain the password, account, or other security information belonging to any person other than you;
  • Upload, post, publish, transmit, reproduce, create derivative works of, or distribute in any way information, software or other material obtained through the Dark Web Monitoring Services or otherwise that is protected by copyright or other proprietary right, without obtaining any required permission of the owner;
  • Participate in the collection of very large numbers of email addresses, phone numbers, screen names, or other identifiers of others (without their prior consent), a practice sometimes known as spidering or harvesting, or participate in the use of software (including “spyware”) designed to facilitate this activity;
  • Impersonate any person or entity, engage in sender address falsification, forge anyone else’s digital or manual signature, or perform any other similar fraudulent activity (for example, “phishing”); or
  • Use the Services for any purpose other than identity theft protection

3.2 Secure VPN/Wi-Fi Security

Our Secure VPN Services generally provide sufficient capacity to accommodate average non-commercial use. It is possible that you may temporarily experience slower service or service unavailability, and any such temporary slowdown or unavailability will not constitute a breach or default by us of our obligations. Pango reserves the right to prevent your access to the Service or continued use thereof if you violate this Agreement, engage in fraud or copyright infringement.
If we observe that: (a) your usage level exceeds our average customer use level or otherwise negatively impacts the overall health of the network or (b) you exceed any bandwidth limitations associated with your account, all as determined by Pango in its sole discretion, then we may suspend or cancel your account for clarification or investigation. We will not be liable to you or owe you any refund or other compensation as a result of any such suspension or cancellation. We do not condone or endorse any unlawful, illicit, criminal or fraudulent activities perpetrated by you while using the Services. We will not be liable in any way for any actions of the users of the Services.

3.3 Identity Theft Protection

The Identity Theft Protection Services are only available to users who have a U.S. Social Security Number or a U.S. mailing address. You agree that you will use these Services only for your own behalf. You will be responsible for all use of your membership number and must notify Pango immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number.
Authorization: You understand that by enrolling in the Services, you are providing "written instructions" in accordance with the federal Fair Credit Reporting Act, as amended ("FCRA"), for Pango and its service providers, which may include CSIdentity Corporation (“CSID”), to obtain information from your personal credit profile from Experian, Equifax, and Transunion, the three major credit reporting agencies. You authorize Pango and its service providers to use your Social Security number to access your personal credit profile, verify your identity, and provide credit monitoring, reporting, and scoring products with each of the credit bureaus. Further, you authorize Pango to make any inquiries necessary to verify your identity or your ownership of financial or other accounts relevant to your use of the Services. This may include, without limitation, making inquiries through third-party sources or requiring you to provide additional information or documentation. If we are unable to verify your identity or otherwise obtain your credit information from a credit reporting agency, we will be unable to provide certain Services to you and reserve the right to refuse to offer some or all of the Services to you and cancel your Subscription, as applicable.
Insurance: Identity theft insurance is governed by a master policy, the terms of which are incorporated herein by reference. The issuance of the policy is evidenced by an insurance certificate, summary of benefits, or other similar document, that has been provided to you. You acknowledge receipt of this information and agree to be bound by the terms, conditions, limitations, and exclusions of the policy. To view these Terms and our website, you must use a supported browser. You may obtain a paper copy of these disclosures by calling 1-855-552-2123.
Note on Public Records: The sex offender (“Offender”) information that is used for the Services is derived from official public records. As such, the accuracy of the information provided through the Services may vary based upon the accuracy of such official public records. In certain cases, we may not obtain all the address information associated with the Offender who is contained in the public record. Depending on the public record data available, we may not be able to plot the Offender on a map and, as such, we may elect to not show information about the Offender. Some of the official data is gathered from the Offenders themselves who are required by law to notify authorities about any changes to their place of residence. The information contained on the Services makes no representation as to any Offender's likelihood of re-offending or the nature of any future crimes they may commit. Pango has no control over the contents of official public records. If you believe the information on this website is incorrect, please contact the local police department in the applicable jurisdiction. That police department will be able to assist you directly or refer you to the appropriate authority. Harassing, stalking, defrauding, or threatening any Offender listed on this website most likely violates your state's laws and is neither condoned nor encouraged by Pango, its directors, shareholders, or employees. A person listed on the Services does not necessarily mean that individual is an Offender. Please verify all information and contact your local police department for help.
Credit Report-Related Disclosures for US Residents: The Fair Credit Reporting Act allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at Experian must be obtained directly from Experian by calling 888-397-3742 or logging on to www.experian.com/consumer. The credit report you are requesting from Pango is not intended to constitute the disclosure of Experian information required by the Fair Credit Reporting Act or similar state laws. You are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:
a. You have been denied credit, insurance or employment within the past sixty (60) days as a result of your credit report.
b. You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the date on which I made the certification.
c. You are a recipient of public welfare assistance
d. You have reason to believe that your file at the agency contains inaccurate information due to fraud
e. Annually at www.annualcreditreport.com
Otherwise, the consumer reporting agency may impose a reasonable charge for the disclosure.
The Fair Credit Reporting Act permits you to dispute inaccurate or incomplete information in your credit file. You understand that accurate information cannot be changed. You do not have to purchase your credit report or other information from Pango to dispute inaccurate or incomplete information in my Experian file or to receive a copy of your Experian consumer credit report.
Experian’s National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by Pango. The disclosure report must be obtained directly from Experian. Consumers residing in the States of Colorado, Massachusetts, Maryland, New Jersey, and Vermont may receive a free copy of their consumer credit report once per year and residents of the State of Georgia may receive two copies per year.
Fraud Alerts are available to any eligible consumers—free of charge—from a national consumer reporting agency.
NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR A NOMINAL FEE.
The Services are 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.
VANTAGESCORE 3.0 CREDIT SCORE: VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax, that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.

3.4 Social Media Monitoring

Our Social Media Monitoring Services will monitor your accounts on LinkedIn, Facebook, Instagram, Twitter, and YouTube and notify you of any suspicious activity or potentially malicious links. It does not monitor chats or direct messages. We will only monitor accounts that you connect to the Services.

3.5 Financial Transaction Monitoring

If you choose to activate our Financial Transaction Monitoring Services, you must provide us with any necessary information to render the Services, including, without limitation, the applicable account credentials for your credit, commerce, banking, investment, and other eligible account(s) (“Transaction Account Credentials”). By activating the Services and providing us with your Transaction Account Credentials, you hereby grant Pango the express authorization to access your account(s) as your agent in fact and further grant to Pango a non-exclusive, fully-paid, perpetual, royalty-free, license to use, reproduce, distribute, and/or transfer any data or account information obtained for the sole purpose of monitoring your transactions within the corresponding accounts. Notwithstanding the foregoing, Pango may prepare, develop, and retain aggregated and/or anonymized data from your account for its own internal use.
Should you change your account information (including your Transaction Account Credentials with any of your third-party providers) you must also update that account information in our system in order for Pango to continue to provide the Services to that respective account. You hereby acknowledge and understand that our network(s), products, and/or services are limited to the account information provided by you and your third-party providers, and we may in certain limited circumstances experience delays and/or failures to process or identify fraudulent transactions. You hereby acknowledge and agree to monitor your accounts and transactions and further expressly recognize that you should not solely rely on alerts from Pango for accuracy or delivery in all cases.

3.6 Home Title Monitoring

Our Home Title Monitoring Services send a notification to you if we identify an ownership or other change on the title to your home recorded by your county’s assessor or recorder’s office. If you receive a notification, you will need to contact your local county assessor or county clerk to get more detailed information and/or correct their records. This is a notice-only service. These Services do not include any Identity Theft Remediation Services (discussed in Section 3.8 below) or identity theft event insurance (discussed in Section 3.3 above), or any other services whatsoever, for any ownership or other changes to the title to your home.
These Services are dependent upon the records in local assessor or recorder’s offices. As such, the accuracy of the information provided through the Services may vary based upon the accuracy of such records. You acknowledge and agree that we will not be liable for any inaccuracies or errors in such records, or for the absence of any information in such records.

3.7 Identity Theft Remediation

In order for us to provide our Identity Theft Remediation Services, you must provide us with a signed Limited Power of Attorney ("LPOA") in the form that we will send to you. A LPOA form may be sent to you after you contact our customer support team which you will be required to complete and return in accordance with the instructions enclosed. The LPOA allows us to work on your behalf with creditors, merchants, banks and other entities. You may also be required to provide us with other documents relating to the applicable identity theft event, depending on the circumstances.
In addition, separate and apart from the LPOA, you authorize us to take all reasonable actions on your behalf to help restore your identity. Without limiting the immediately foregoing sentence, by agreeing to these Terms, you are providing “written instructions” for us to obtain information on a recurring basis from any consumer reporting agency in order to (i) confirm your identity, (ii) display or disclose your credit information to you and/or your designated representative related to your use of the applicable Services, (iii) allow us to create and deliver certain features of the Services to you, and (iv) permit us to monitor your credit file(s) so that we can provide to you and/or your designated representative certain fraud alerts and provide assistance in reviewing certain portions of your credit data. You acknowledge and agree that you do not have to specifically authorize each action we take, and you further acknowledge that we can investigate the facts and circumstances related to your identity theft case, including but not limited to contacting third parties by U.S. mail, telephone, and email. We reserve the right to ask for evidence of or related to the identity theft event, including but not limited to: affidavits, police reports, and/or other government reports.

3.8 Family Plans

Our Family Plan Services enable you to add other adults and children living at the same address as you, and help you monitor and manage the online activities of children up to 18 years old. If you are an adult, parent, or legal guardian, you may use the Services to track and monitor only your children, children for whom you are the legal guardian or others for whom you have legal authorization to track and monitor. You are responsible for obtaining authorization from any third party to whom you extend access to multi-user Services that track and monitor.

3.9 Anti-Virus/Malware Removal

If your Subscription includes our Anti-Virus or Malware Removal Services, or a similar service whereby we or one of our partners access your device to attempt removal of malware or perform other specified services, additional terms may apply. Such terms may be specified in the documents that accompanied your purchase.
We will make commercially reasonable efforts to perform the malware removal Services covered by your Subscription. You understand and agree that not all malware can be removed through the Services and we do not guarantee that we can remove all malware from your device(s). To the extent permitted by applicable law, we will have no liability for loss of or recovery of data, software, or loss of use of system(s) or networks arising out of your use of these Services or any act or omission, including negligence, by us or our representatives. You agree that you have a valid and legal license to access and download the Services on your device(s) and that your use of the Internet is solely at your own risk. By electing to receive the Services, you confirm that you (i) have full access to your hardware and software for which you are purchasing the Services, and (ii) have completed a back-up onto separate media of any software or data on the hardware that may be impacted by the Services.

3.10 Mobile Messaging Alerts

Our Mobile Alert Services allow you to receive informational alerts related to the categories you select. If you do not wish to continue receiving these Services, you can reply “STOP” to any mobile message from us in order to opt out of the Services.
User Opt In: The Services allow users to receive SMS/MMS (“mobile”) alerts that include information related to your Subscription, such as, but not limited to, fraud monitoring alerts, credit score alerts, dark web activity alerts, etc. Users must affirmatively opt into these Services, such as by signing up online, or by texting a keyword to Pango’s short code in response to a call-to-action. Regardless of the opt-in method you utilized to receive the Services, you agree that these Terms apply to your participation in the Services. The mobile messaging service used by Pango to communicate with you does not have the capacity to randomly or sequentially generate telephone numbers. Thus, Pango’s mobile messages are not sent to you by an automatic telephone dialing system (“ATDS” or “autodialer”). Nevertheless, by signing up to receive mobile alerts from Pango, you agree to receive autodialed mobile messages and you understand that consent is not required to make any purchase from Pango.
Pango may also offer various applications or services that enable or incorporate transactional text messaging, including, but not limited to, one-to-one messaging, text-message receipts, and other informational alerts. By providing your mobile telephone number to Pango when presented with or informed of these Terms, you consent to receive non-marketing mobile messages to the fullest extent permitted under applicable law, regardless of the technology utilized.
Cost and Frequency: Message and data rates may apply. The Services involve recurring mobile messages, and additional mobile messages may be sent based on your interaction with Pango.
Contact Information: For support, text “HELP” to any Pango mobile message. If at any time you forget what keywords are supported, you can also text "HELP" to 99754 and we will respond with instructions on how to contact us. For all questions about the services provided by this short code, you can send an email to customercare@identityguard.com.
User Opt-Out and Additional Commands: To opt-out of receiving all mobile messages, reply “STOP” to any mobile message you received from Pango on your mobile device. This is the easiest and preferred method to opt out of receiving mobile messages from Pango. You may receive an additional mobile message confirming your decision to opt out. The Services may recognize or respond to additional commands and keyword queries. Thus, you may receive additional informational text messages based on your interaction with the Services, even after opting out of receiving the mobile alerts. You acknowledge and agree that, notwithstanding any prior opt-out attempt, you consent to receive further messages from or on behalf of Pango that result from your continued communication with the Services. Pango may also provide you instructions on how to rejoin receiving the Services’ recurring mobile alerts when you unsubscribe. You agree that you are subject to the Terms, including any modifications thereto then in effect, when you resubscribe to the Services through any of the available options to do so.
MMS: The Services will send SMS MTs if your mobile device does not support MMS messaging.
Pango Warranty: Pango will not be liable for any delays or failures in the receipt of any messages connected with the Services. Delivery of messages is subject to effective transmission from your wireless service provider/network operator and is outside of Pango’s control.
Participating carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless). The list of participating carriers is subject to change at any time and is outside Pango’s control. No participating carrier shall be liable for delayed or undelivered messages.
Miscellaneous: You warrant and represent that you will not provide to Pango any telephone number that is not assigned to you, and that if you obtain a new telephone number, you will promptly notify Pango that your prior telephone number is no longer assigned to you.


PART IV. LIMITED LICENSE

We are pleased to grant you, an individual consumer, a personal, non-transferable, nonexclusive term-limited license to install and use the Software and access the Services for which you have purchased a Subscription for personal use on the number of Devices (defined below) and for the number of users specified in your License Entitlement or Service Entitlement, as applicable, subject to the System Requirements.
"License Entitlement" means the number and type of Devices and users that are permitted to download and use the Software and access the Services, as specified in the documents that accompanied your purchase or download, which (depending upon the channel from which you purchased the license) may include: the checkout payment page, a product description page on our website, the email confirmation that we send for the purchase, the package if purchased at a retail store, or another document made available to you when you purchased the product. If no licensed device count or user count was specified, the License Entitlement is for a single Device and user.
"Service Entitlement" means the scope and duration of the Services you purchased, as specified in documents made available to you when you purchased the relevant product or service. If no scope or duration is specified in the documents, the Service Entitlement is for a single Device and user for one year.
"System Requirements" means the supported Devices and operating systems that the particular Pango product or service you purchased will function properly with, as listed on our website or other applicable documentation. It is your responsibility to meet System Requirements, such as obtaining updates or upgrades to continue using the Services.

4.1. Ownership; Proprietary Rights. The Services, including the Software (and any releases, revisions, updates, or enhancements), and all of their content, features, and functionality, including, without limitation, information, text, graphics, logos, button icons, images, visual interfaces, audio clips, video clips, data compilations, computer code (including source code or object code), software, products, services, and the design, selection and arrangement thereof, and any accompanying documentation (collectively, the “Materials”) are the exclusive property of Pango, its licensors, or other content suppliers and are protected by the United States copyright, trade dress, patent, and trademark laws, international conventions, and other relevant intellectual property and proprietary rights laws. Except as expressly authorized by Pango, you agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of any of the Services or Materials. Pango reserves all rights not expressly granted in these Terms.

4.2 Limited License. Subject to these Terms, Pango grants you a limited, revocable, nonexclusive, personal, nontransferable license to install and use the Software and to access the Services for internal, noncommercial, and personal purposes only and subject to your Service Entitlement and License Entitlement. The Software is “in use” on a Device for purposes of this paragraph when it is loaded into the temporary memory (e.g., RAM) or installed into the permanent memory (e.g., hard disk, CD-ROM, or another storage device) of the Device.

4.3 License Restrictions. You may not (and may not allow a third party to):
(a) reverse engineer, decompile, disassemble or attempt to reconstruct, identify or discover any source code, underlying ideas, underlying user interface techniques or algorithms of the Services by any means whatsoever, except to the extent that such restriction is expressly prohibited by applicable law;
(b) remove or destroy any copyright notices or other proprietary markings from the Services;
(c) attempt to circumvent any use restrictions applicable to the Services;
(d) modify or adapt any aspect of the Services, merge any aspect of the Services into another program, or create derivative works based on the Services;
(e) use, copy, or distribute the Software without Pango’s written authorization, except that you may make one (1) copy of the Software for archival or backup purposes only;
(f) use the Services to provide, alone or in combination with any other software, product or service, any software/product/service to any person or entity, whether on a fee basis or otherwise or on websites where you have agreed "not to use any ad blocking solutions", for instance by agreeing to the terms of services on the respective websites or to circumvent technological measures that control access to websites;
(g) repackage, modify, adapt, tamper with, alter, translate, or create derivative works of the Services or any aspect thereof;
(h) combine or merge any part of the Services with or into any other software or documentation, or refer to or otherwise use the Services as part of an effort to develop software (including, without limitation, any routine, script, code, or program) having any functional attributes, visual expressions, or other features similar to those of the Services or to compete with Pango;
(i) except with Pango’s prior written permission, publish any performance or benchmark tests or analysis relating to the Services; or
(j) rent, lease, sublicense, sell, assign, loan, use for time sharing or service bureau purposes, or otherwise transfer the Services or any of your rights and obligations under this Agreement.

4.4 Open Source. The Open-Source code components that are included with the Software are redistributed by Pango under the terms of the applicable Open-Source Code license for such components. Your receipt of Open-Source code components from Pango under these Terms neither enlarges nor curtails your rights or obligations defined by the Open-Source Code license applicable to the Open-Source Code component. Copies of the Open-Source Code licenses for the Open-Source Code components that are included with the Software are included with or referenced in the Software’s Documentation.

4.5 Availability. You may use the Software solely to access the Services. A computer or other equipment enabled to access the Internet (a “Device”) is required to utilize the Services. You are solely responsible for ensuring that your Device is sufficient and compatible for use with the Service and complies with all System Requirements. The speed and quality of the Services may vary and the Services are subject to unavailability, including emergencies, third party service failures, transmission, equipment or network problems or limitations, interference, signal strength, and maintenance and repair, and may be interrupted, refused, limited or curtailed.

4.6 Termination. Upon expiration or any termination of these Terms, you must stop using the Services and destroy all copies of the Software and any associated documentation in your possession.

Archived Versions:

Current Verison

October 2018