Terms of Service

Effective April 1st, 2025

Thank you for visiting our site which is owned and operated by Identity Command Center ("Company," "we," "us," "our"). These Terms of Use ("Terms") set forth a legally binding contract which governs (1) your use of all websites, portals, and pages owned or operated by us, including those accessible through the domain and subdomain: (the "Site"), and (2) your interactions with our services offered through the Site (the "Services"), which include: Identity Theft Services and products, and offers that we may make available to you.

Please read these Terms carefully before continuing to access the Site or using the Services. By accessing the Site or using the Services, you agree to be bound by these Terms and the Privacy Policy.

PLEASE BE ADVISED THAT THESE TERMS CONTAIN PROVISIONS THAT GOVERN HOW DISPUTES BETWEEN US ARE RESOLVED, WHICH INCLUDES AN AGREEMENT TO ARBITRATE DISPUTES, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER. PLEASE READ ALL THESE PROVISIONS BEFORE USING THE SITE.

1. General Uses and Restrictions

Unless otherwise noted, the Site and Services are intended for personal, non-commercial purposes only. You agree to use the Site and Services only for lawful, noncommercial purposes and in compliance with all international, federal, state, and local laws. Except as expressly permitted in these Terms, you may not use, reproduce, distribute, reverse engineer, modify, copy, publish, display, transmit, adapt, frame, link, rent, lease, loan, sell, license or in any way exploit the Site and/or the Services.

By accessing the Site, you represent and warrant that you (a) are above the legal age of majority in your jurisdiction of residence; (b) have not previously been suspended or removed from the Site; (c) do not have more than one account at any given time for the Site; (d) will only provide us with true, accurate, current, and complete information if you register for an account and/or use the Services; and (e) have full power and authority to enter into these Terms. We reserve the right to refuse and/or withdraw access to the Site and Services if you violate these Terms and/or applicable laws.

You agree to provide true, accurate, complete and current information to us about yourself and any minor children you are enrolling or have enrolled in the Site or any Services. If we determine or reasonably suspect that any information you provided is false, incomplete or inaccurate, it may, in its sole discretion, suspend or terminate your access to and use of the Site and Services and block all future access. You further agree that we will not be liable to you, your minor children, or any other person if your access is suspended or terminated.

You understand and agree that by purchasing our Services you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended from time to time ("FCRA"), for us to access and obtain your personal credit information—and the personal credit information of any minor(s) you have enrolled—from any or all of the credit reporting companies for the purpose of verifying your and any enrolled minor's identity and to provide the Services and related functions.

We shall not be obligated or responsible for providing Services for any request based on: (i) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting with you; (ii) authorized charges you have disputed based on the quality of goods or services; (iii) authorized account transactions or trades you have disputed or are disputing based on the execution (or non-execution) of electronic transfers, trades, or other instructions; (iv) losses, damages or expenses arising out of any business pursuits; (v) losses, damages or expenses incurred or commenced prior to the effective date of your Services order confirmation; or (vi) theft, loss or damage related to travelers checks, tickets, negotiable instruments, cash or its equivalent, passports, documents or real property.

When purchasing from us, your order is accepted only when your payment is accepted, and we send you a confirmation email. If the payment method cannot be verified, is invalid, or is otherwise not acceptable, your order may be suspended or cancelled. If we reject your order, we will refund any payments made for the current service period, and we may also cancel or restrict access to the applicable offering.

2. Prohibited Uses

You agree not to use the Site to:

violate any applicable law;
send unsolicited marketing materials, including junk email, spam, or chain letters;
post, transmit, or otherwise make available any material that is:
1. threatening, harassing, degrading, hateful or intimidating;
2. defamatory, libelous, fraudulent, or otherwise tortious;
3. obscene, indecent, pornographic, or otherwise objectionable; or
4. protected by a third party's copyright, trademark, trade secret, right of publicity or privacy, or any other proprietary right without express prior written consent.
post, insert, transmit, or otherwise make available any malicious or harmful software that is intended to:
1. make unauthorized changes to or cause damage to any hardware, software, or equipment;
2. copy, provide unauthorized access to, or prevent authorized access to confidential or personal information; or
3. prevent detection of any unauthorized invasion of any hardware, software or equipment;
harvest or collect information about users of the Site;
interfere with or disrupt the operation of the Site;
reproduce, copy, modify, adapt, translate, create derivative works of, sell, resell, license, sublicense, rent, lease, loan, distribute, or otherwise exploit any portion of the Site except as expressly authorized;
reverse engineer, decompile, or disassemble any portion of the Site;
remove any copyright, trademark, or other proprietary notices from the Site;
frame or mirror any portion of the Site, or incorporate any portion of the Site into any product or service;
systematically download and store data from the Site or Services;
use manual or automated software, devices, scripts, robots, or other means to access, "scrape," "crawl," or "spider" the Site or Services.

3. Consent to Access Personal Information

In order to provide you with your requested Services, the Company, its Affiliates, and its Service Providers require access to personal information that may be protected under various laws. By agreeing to these Terms, you provide consent to allow the Company and its partners to access your personal information for the purpose of providing you the requested Services. You may withdraw your consent at any time by contacting our Customer Service Department; however, revocation of consent may prevent us from providing you Services.

4. Product Specific Terms

Identity Monitoring

The Identity Monitoring Service proactively scans for sensitive personal information commonly sold and traded on black market internet sites and chat rooms. This service includes monitoring for credit and debit card numbers, bank account numbers, social security numbers, driver's license numbers, telephone numbers, email addresses, and other sensitive information. It uses advanced internet crawling technologies, private and public security professionals, and law enforcement agents to identify new black-market sites for monitoring, with industry standard encryption to maintain data security.

Title Monitoring

The Title Monitoring Services use our monitoring algorithms to search for new deed and title record information on properties using the property address, name, and SSN you provide. We scan county records nationwide and alert you when a new property is detected matching your information, or when there is a change in ownership, a new claim is made, or a lender files an update related to your property.

Credit Monitoring

By enrolling in our Credit Monitoring Services, TransUnion Credit Monitoring will watch your TransUnion, Experian®, and Equifax® credit reports, and alert you to critical changes in your accounts, such as new accounts opened in your name, credit card balance increases, or negative reports like a late payment. These Services also include assistance with establishing credit security freezes and free credit report reminders.

Removal Services

Through enrollment in Privacy Monitoring, we scour the web—including data brokers, people search sites, social media, and search engines—to locate accessible information such as your phone number, email address, family member details, government records, and more that you may not want or that could put you at risk.

Recovery Services

Recovery Services are provided by the Company or an approved vendor. Eligibility is based on identity theft events reported to us during the eligibility period. If you were the subject of a stolen identity event prior to enrollment, you are not eligible to purchase recovery services. For those coping with a current identity theft event, contact our Customer Service for a recovery services quote. Businesses are not eligible for recovery services. Note that we do not provide credit counseling or repair credit that legitimately belongs to the primary member, spouse, or significant other. Successful recovery depends on the member's cooperation, which may include providing personal information, power of attorney, access to accounts, and communication with relevant parties. We reserve the right to refuse or terminate services if fraud, misrepresentation, or non-cooperation is detected.

Reimbursement Plan, if applicable, is provided by a leading insurance company in the United States. Refer to the Evidence of Coverage for specific coverage amounts, exclusions, and other terms.

General Exclusions:

Only pays for losses incurred in the United States.
Dishonest Acts: Any dishonest, criminal, malicious, or fraudulent acts if the insured personally participated in, directed, or had prior knowledge of such acts.
Bodily Injury: Any physical injury, sickness, disease, disability, shock, mental anguish, or death resulting from such injury.
War: Strikes, labor actions, war (declared or not), or any act or condition incident to war, including insurrections, rebellions, invasions, or similar events.
Pollution: Claims arising from the presence, discharge, or threatened release of pollutants (including nuclear materials) or related actions.
Late Reporting: Any loss reported more than six (6) months after a stolen identity event occurs.

Court Records Monitoring monitors millions of criminal and civil records and alerts you if a record containing your personal information is found.

5. Family Plan Coverage

You will be enrolled in Family Plan Coverage by default. This coverage allows your spouse or domestic partner, dependents, and parents to utilize the Services you are enrolled in, provided each individual is registered at your same permanent address. Verification of each individual's identity and proof of residency may be required.

6. Product Fees and Payment

If you are paying for Services through an authorized reseller of our Services ("Reseller"), please refer to the payment and cancellation terms in your agreement with the Reseller.

If you are paying for Services directly to us, then the following terms will apply:

Charges - Based on your authorization, payments will be deducted from your credit or debit card on a monthly basis in the indicated amount. Alternatively, you may elect to pay by check by providing informed consent. With sixty (60) days prior written notice at the email address on file, we reserve the right to adjust pricing. You are under no obligation to continue the program.

Cancellation - To cancel your plan, please call our customer service number. Your plan will be cancelled at the end of the month in which the cancellation request is received. You are responsible for payment for the months in effect.

Lapse for Non-Payment - If payment is not received by the due date for the selected benefit period, a notice of cancellation ("Notice of Cancellation") will be sent. If payment is not received within ten (10) days after the notice, the plan may be terminated effective the last day of the month for which payment has been made. If the member or a qualifying family member is engaged in the recovery process, we will attempt to contact the member by phone in addition to the email notice. Services will cease once the plan is terminated for non-payment.

7. Submitting a Claim for Reimbursement

In the event you incur covered expenses as part of an identity theft event, your recovery advocates will provide initial contact information to the insurance carriers that provide the reimbursement plan, if applicable. You will be mailed an insurance company claim package. For a detailed description of eligible expenses, see the reimbursement plan description.

8. User Content

If you send us reviews, surveys, creative ideas, suggestions, proposals, plans, or other materials ("User Content"), you agree that we may, at any time and without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium any comments you forward to us. We have no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any User Content; or (3) to respond to any User Content.

We may monitor, edit, or remove content at our sole discretion if it is deemed unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable, or if it violates any intellectual property rights or these Terms.

You agree that your User Content will not violate any third-party rights, including copyright, trademark, privacy, or other proprietary rights. You further agree that your User Content will not contain libelous or unlawful material, malware, or any content that could affect the operation of the Service or website. You are solely responsible for the accuracy of your User Content.

9. Ownership

As between you and us, we own the intellectual property rights to the Services and the contents of the Site, excluding User Content. The Services and Site contents may not be copied, distributed, republished, uploaded, posted, or transmitted without our prior written consent. You may not remove or alter any copyright, trademark, or other proprietary notices on the Services or Site. We retain all rights, title, and interests unless expressly stated otherwise.

10. Infringement

You acknowledge and agree that the Site and Services—including, without limitation, formulae, specifications, pricing, content, applications, trademarks, graphics, photographs, software (including source and object code), scripts, promotions, events, programs, and interactive features (collectively, "Our Intellectual Property")—are owned by the Company or its licensors. You have no right, title, or interest in such intellectual property and shall not use it without our prior written consent. You also grant the Company and its Affiliates a non-exclusive, perpetual, irrevocable, transferable, worldwide, royalty-free license to use, copy, modify, transfer, and distribute your personal information to provide the Services.

11. Additional Policies

11.1 Privacy Policy

We collect and use certain personal information from visitors of the Site. For more information, please see our Privacy Policy.

11.2 Complaints Policy

We are committed to providing world-class service. If you do not receive exceptional service, please contact us using one of the following methods:

Email: support@mypropertyprotection.com
Postal Mail: 137 S. Broadway Ste. B4, South Amboy, NJ 08879

We will act as swiftly as possible to resolve your complaint.

12. Disclaimers

THE SITE, SERVICES, AND ALL INFORMATION, PROGRAMS, SOFTWARE, AND MATERIALS AVAILABLE ON OR THROUGH THE SITE ARE PROVIDED "AS IS." WE MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, regarding the Site or Services. AIG DISCLAIMS ALL WARRANTIES, including implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement, and quiet enjoyment, as well as any warranties related to uninterrupted operation or security of content.

13. FCRA Disclosures

The FCRA allows you to obtain a copy of your consumer credit file disclosure from any credit reporting company for a reasonable charge. Failure to comply with the FCRA can result in enforcement actions or private lawsuits. Additionally, any person who knowingly obtains a consumer credit report under false pretenses may face criminal prosecution. The FCRA states that individuals are entitled to receive a free disclosure under certain circumstances:

You have been denied credit, insurance, or employment in the past sixty (60) days as a result of your report.
You certify in writing that you are unemployed and intend to apply for employment in the sixty (60)-day period following certification.
You are a recipient of public welfare assistance.
You believe your file contains inaccurate information due to fraud.

Consumers are entitled to one free comprehensive disclosure from each of the three national credit reporting companies (Experian, Equifax, and TransUnion) once every twelve (12) months through a central source. Georgia residents may receive two disclosures per year. Comprehensive credit reports from us may differ from those obtained directly from the credit reporting companies. To request your free annual report under the FCRA, visit www.annualcreditreport.com or call 877-322-8228.

The FCRA also permits consumers to dispute inaccurate information without charge. Note that accurate information cannot be changed. You do not have to purchase your credit report from us to dispute inaccuracies.

The credit reports you request from us are not intended to constitute the full disclosure required by the FCRA. To obtain a complete disclosure, contact the credit reporting company directly:

Equifax: 1-877-576-5734 - www.equifax.com
Experian: 1-888-397-3742 - www.experian.com/fraud
TransUnion: 1-800-680-7289 - www.transunion.com

14. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, officers, directors, employees, agents, licensors, clients, and subcontractors from any claims, damages, losses, liabilities, costs, and expenses arising from (i) your use of the Site or Services, (ii) your violation of these Terms, (iii) your violation of any third-party rights, or (iv) your violation of any law.

15. Limitation of Liability

THE COMPANY AND ITS MEMBERS, MANAGERS, AFFILIATES, EMPLOYEES, OFFICERS, AGENTS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, AGGRAVATED, OR PUNITIVE DAMAGES, including damages for loss of profits, data, or security, even if advised of the possibility of such damages.

YOU ACKNOWLEDGE THAT YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT. NOTWITHSTANDING THE FOREGOING, THE MAXIMUM AGGREGATE LIABILITY OF AIG FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WILL BE $100.

16. Dispute Resolution

16.1 General

Any dispute arising out of or relating to these Terms, your relationship with us, or the goods and services provided, will be resolved by binding arbitration. Arbitration is less formal than a court trial, uses a neutral arbitrator instead of a judge or jury, and may involve limited discovery. By agreeing to these Terms, you waive your right to a trial by jury and agree that these Terms will be governed by the California Arbitration Act.

16.2 Exceptions

Notwithstanding the foregoing, nothing in these Terms will limit the right of either party to:

Bring an individual action in small claims court;
Seek injunctive relief from a court of competent jurisdiction; or
File suit in a court of law to address an intellectual property infringement claim.

16.3 Arbitrator

Any arbitration between you and AIG will be governed by the New Jersey Arbitration Act and the JAMS Comprehensive Arbitration Rules & Procedures, and will be administered by JAMS. The JAMS Rules and filing forms are available at www.jamsadr.com or by calling 1-800-352-5267. The arbitrator has exclusive authority to resolve any dispute regarding the interpretation or enforceability of this agreement. Any disputes regarding arbitrability shall be determined by a court of competent jurisdiction.

16.4 Notice; Process

A party seeking arbitration must first send a written notice of the dispute by U.S. Mail ("Notice") to the other party. The Company's address for Notice is provided in Section 19.4. The Notice must describe the nature and basis of the claim and specify the relief sought. If no agreement is reached within thirty (30) days after the Notice is received, arbitration may commence.

16.5 Fees

Each party will pay its pro rata share of JAMS fees and expenses as set forth in the JAMS fee schedule, unless otherwise agreed. If the arbitration qualifies as a consumer arbitration, the JAMS Policy on Consumer Arbitrations will apply.

16.6 Conduct of Arbitration

Arbitration hearings will take place at a JAMS office in New Jersey. The arbitrator must issue a written decision explaining the essential findings and conclusions. The written decision and exchanged information will be kept confidential except as necessary to enforce or review the award.

16.7 No Class Actions

You and the Company agree to bring claims only in your individual capacities and not as part of a class or representative proceeding. Unless both parties agree otherwise, the arbitrator may not consolidate claims or preside over a class proceeding.

17. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New Jersey without regard to its conflict of laws rules. Any action not subject to mandatory arbitration shall be subject to the exclusive jurisdiction of the state and federal courts located in New Jersey.

18. SMS MESSAGES

18.1 SMS Program

We provide communications via SMS regarding products, sales, order status, promotional offers, and upcoming events (the "SMS Program"). If you opt in, these Terms apply.

18.2 User Opt In

The SMS Program allows you to receive mobile messages by providing your phone number or opting in through online or application-based forms. By participating, you agree to receive autodialed or prerecorded marketing messages at the phone number provided, and you understand that consent is not required to do business with us. Message and data rates may apply.

18.3 User Opt Out

If you no longer wish to participate in the SMS Program, reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any mobile message. You may receive a confirmation message. Other methods of opting out are not considered reasonable.

18.4 Cost and Frequency

Message and data rates may apply. You agree to receive messages periodically at our discretion. The frequency of messages may vary.

19. General Provisions

19.1 Entire Agreement

These Terms constitute the entire agreement between you and AIG relating to the Site and supersede all prior agreements or understandings.

19.2 Severability

If any provision of these Terms is found to be invalid by a court of competent jurisdiction, that provision shall be stricken and all other terms will remain in full force and effect.

19.3 Waiver

No failure or delay in exercising any rights under these Terms shall operate as a waiver thereof, and no single or partial exercise of any right shall preclude further exercise.

19.4 Contact Us

If you have any questions about these Terms, you may contact us at:

Email: support@mypropertyprotection.com
Postal Mail: 137 S. Broadway Ste. B4, South Amboy, NJ 08879