FREE IDENTITY PROTECTION TERMS AND CONDITIONS

PLEASE READ THIS ENTIRE AGREEMENT AS IT AFFECTS YOUR RIGHTS.

These Terms and Conditions (also referred to herein as the “Agreement”) set forth the terms and conditions under which InfoArmor, Inc. (known as “Allstate Identity Protection,” “we,” “us,” or “our”) will provide identity and privacy protection, Educational Materials (defined herein), as well as any other products, features and/or any related services whether via our website, portal or app (collectively, the “Products”) to you as an eligible “Member” (defined below) for personal, non-commercial use only. InfoArmor, Inc. is a subsidiary of The Allstate Corporation and provides the Products described herein.

This Agreement applies only to individual Members (named insureds) who have an active Allstate property-liability policy (auto, home, renters, and other property-liability lines) and who access the Products as a feature of that policy.

By using any of the Products, you agree to these Terms and Conditions. Further, by using any of the Products, you represent that you are a natural person 18 years of age or older, you are using the Products on your own behalf and personal accounts.

AMONG OTHER THINGS, THIS AGREEMENT CONTAINS A PROVISION REQUIRING THE USE OF ARBITRATION TO RESOLVE DISPUTES, INSTEAD OF JURY TRIALS, CLASS ACTIONS OR ANY OTHER RESOLUTION PROCESS. THIS PROVISION IS IN ARTICLE I(S) BELOW AND IS ENTITLED “ARBITRATION PROVISION AND CLASS ACTION WAIVER.”

THIS MEANS THAT, INSTEAD OF SUING EACH OTHER IN COURT, THE PARTIES AGREE TO SETTLE DISPUTES ONLY BY ARBITRATION. ARBITRATION WORKS DIFFERENTLY. THERE IS NO JUDGE OR JURY, AND REVIEW IS LIMITED BUT, LIKE A COURT, THE ARBITRATOR CAN AWARD DAMAGES AND RELIEF AND MUST HONOR THE LIMITATIONS CONTAINED IN THIS AGREEMENT.

BY AGREEING TO ARBITRATION, THE PARTIES UNDERSTAND AND AGREE THAT THEY ARE WAIVING THEIR RIGHTS TO UTILIZE ALL OTHER AVAILABLE RESOLUTION PROCESSES (E.G. A COURT ACTION OR ADMINISTRATIVE PROCEEDING) TO SETTLE DISPUTES.

IF YOU DO NOT WISH TO AGREE TO ARBITRATION AND WAIVE YOUR RIGHT TO ALL OTHER AVAILABLE RESOLUTION PROCESSES, YOU MAY OPT OUT OF THE MANDATORY ARBITRATION AND CLASS ACTION WAIVER PROVISION BY NOTIFYING ALLSTATE IDENTITY PROTECTION WITHIN 30 CALENDAR DAYS OF YOUR ACCEPTANCE OF THIS AGREEMENT BY SENDING A NOTIFICATION THAT INCLUDES YOUR NAME, MEMBER ID, AND THE EMAIL ADDRESS YOU USED TO SIGN UP FOR THE PRODUCTS VIA ELECTRONIC MAIL TO INFOARMORSERVICES@INFOARMOR.COM.

DEFINITIONS

“Member” means an individual whom we have determined to be eligible to receive the Products, based on that individual’s status as the primary named insured on qualifying insurance policies in designated states..

“U.S. resident” means an individual whose primary residence is located within one of the fifty (50) United States or the District of Columbia.

ARTICLE I

GENERAL TERMS AND CONDITIONS APPLICABLE TO ALL SUBSCRIBERS

  1. Authorization. You authorize Allstate Identity Protection and its subcontractors and service providers to obtain, if required, analyze, process and scan for your own personal information for any Products (as described below) including, without limitation, credit and transaction information and to transmit this information to you for your own use. You specifically grant permission to Allstate Identity Protection and its subcontractors and service providers to obtain your credit, transaction information from third-party credit reporting companies and other third-party sources to verify your identities and provide such credit, transaction information to you. Information that Allstate Identity Protection collects from you will be treated in accordance with Allstate Identity Protection’s Privacy Statement, which you can find here: https://www.allstateidentityprotection.com/privacy (“Privacy Statement”).

  2. Refusal of Subscription. We reserve the right to reject any request to subscribe for any Products for any reason including, without limitation, (i) unavailability of a service in the state where you reside or other legal restrictions,(ii) we are not able to authenticate your identity, or (iii) if we believe you have violated the service or Products, which will be made solely in our discretion.

  3. Product Enrollment. You agree to provide valid, accurate, and current personal information during registration for any Product. You understand that Allstate Identity Protection’s ability to provide certain Product features is dependent upon your provision or confirmation of valid, accurate and current information. You acknowledge and agree that you will not be able to obtain access to certain Product features if you do not properly enroll. You also acknowledge and agree that Allstate Identity Protection, its subcontractors, partners and/or service providers will not be responsible or liable for any acts or omissions related to your provision of, or your failure to provide, valid, accurate and current personal information. You may enroll yourself or you may use an authorized third-party to enroll you by having such authorized third-party provide us with your information on your behalf, together with documentation or other evidence acceptable to us that such third party is authorized to register you and provide such information on your behalf.

  4. No Fraud Alerts; Network Limitations. You understand and agree that the Products (including any of our services that may be used in connection with the Products) do not include the placing of fraud alerts with credit reporting agencies. Additionally, you understand and acknowledge that we monitor your personal information using our network, which is composed of certain proprietary technologies and databases owned by, or otherwise licensed to, us for our use, and that not all transactions, including fraudulent transactions using your personal information, may be monitored due to limitations in the scope and breadth of our network. During the term of your use of the Products, our network and its scope may change without notice to you. You also understand that it may take up to four weeks from acceptance of this Agreement and enrollment in the Products for all related services to be fully activated.

  5. No Credit Repair. We are not a credit repair organization or similarly regulated organization under applicable laws, and do not provide any form of credit repair advice. We may offer you access to your credit report and other credit-related information, but we do not offer products, advice, counseling or assistance for the express or implied purpose of repairing or improving your credit. You acknowledge that no one, including Allstate Identity Protection, may legally remove accurate and timely factual information or negative information from a credit report.

  6. Mobile Alerts. Allstate Identity Protection may make certain features of the Products, including alerts, available with your registered mobile device. Such features of the Products may be made through push notification, SMS text message, or other mobile alert. If you choose to receive in mobile alerts through the Products, you have the obligation to lock your mobile device and otherwise protect your information contained therein. You consent to receive SMS messages from Allstate Identity Protection in the quantity, frequency, and types delivered through the Products. You are responsible for any fees or other charges (including, where applicable, roaming and data charges) that your wireless carrier may charge for any related data or message services. You understand and agree that Allstate Identity Protection is in no way responsible for, and expressly disclaims any and all liability related to, the failure of a mobile alert to be actually, accurately, timely, or fully delivered to you for any reason whatsoever, including, but not limited to, technical errors or other problems with our systems, those of our subcontractors or service providers, those of your mobile service provider, any other third-party company, or issues related to your mobile account or device.

    SMS texts

    1. When you sign up for Allstate Identity Protection, you consent to receiving mobile SMS messages, which help you log into our Services and allow us to notify you when there is activity on your monitored accounts that you should review.
    2. You can cancel the SMS service at any time. Just text "STOP" to the short code.
    3. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 1-800-789-2720.
    4. Carriers are not liable for delayed or undelivered messages.

  7. Modification of this Agreement and Products; Additional Agreements; Additional Terms; Revocation of Consent to Electronic Modifications. We reserve the right, at our discretion, to change or supplement the terms of this Agreement at any time by posting a new version on this website, www.allstateidentityprotection.com/terms-conditions (this “Site”) or by otherwise notifying you of the revised Agreement. If you do not agree to this Agreement as modified, you must stop using the Products. Your continued use of the Products following the posting of any changes to this Agreement constitutes your acceptance of those changes. You may withdraw your consent to receive modifications to this Agreement or Additional Agreements in electronic form by emailing us at infoarmorservices@infoarmor.com or calling us at 1-877-313-9380 and we will send revisions to this Agreement and Additional Terms in printed form to the most current address that we have for you in our records.

    We reserve the right to change, modify, expand, discontinue, or retire any Product, or any feature thereof, at any time.

    If you ask us to assist you with the restoration of your identity following an event of identity fraud, we may need to send you a package of documents (the “Additional Agreements”) which you will need to sign and return to us before we can take action to restore your identity.

  8. Personal Information Privacy. We will undertake to protect your personal information, including your first name, last name, address, U.S. Social Security Number, date of birth, and any information provided to activate monitoring using methods that are consistent with industry best practices, as set forth in our Privacy Statement. However, you authorize Allstate Identity Protection to provide your personal information to our subcontractors and service providers to receive and use this information as Allstate Identity Protection deems reasonably necessary in the course of performing Product enrollment or any other action taken in connection with providing the Products. Please read our Privacy Statement. By using any of the Products, you are also accepting our Privacy Statement.

  9. Personal Conduct. You understand and agree that you have an obligation to act responsibly to protect your personal information in a reasonable way. You further understand and agree that you have a duty not to allow the reckless disclosure or publishing of your U.S. Social Security Number, credit card or bank account numbers, and/or similar personal information to persons who may reasonably be expected to misuse such information (e.g., “phishing” scams, unsolicited emails, etc.). You also agree to keep and protect your account login information for your subscription for the Products from unauthorized use. Should you breach your obligation to protect your account login information, Allstate Identity Protection may terminate your use of the Products without advance notice to you.

  10. Intellectual Property. Allstate Identity Protection retains sole and exclusive right, title and interest in and to our Products and any modifications made using the Products, as well as all proprietary inventions and technology associated therewith (whether or not patentable), and all of our trademarks, copyrights, service marks, designs, logos, URLs, and trade names that are displayed in connection with our Products (collectively, the “Marks and Copyrights”). All of our proprietary inventions and technology, and all promotional materials, advertising, websites and other company marketing methods or venues are protected by various intellectual property laws, including, but not limited to, trade secret, copyright, and trademark laws. Any use of our Marks and Copyrights, or any other proprietary intellectual property, is strictly prohibited without our prior written consent. From time to time, we may provide educational materials (as a larger group of information such as our Elder Fraud Center or as individual articles or alerts) on our website, apps, via email like our SecurityPro alerts, or other distribution methods (collectively, “Educational Materials”). The Educational Materials are intended for your personal, noncommercial use. The Educational Materials are protected by copyrights, trademarks, and other intellectual property rights under U.S. laws. You may not modify, copy, reproduce, publish, transmit, create new or derivative works from, distribute, perform, display the Educational Materials in whole or in part.

  11. Linking Policy; Third Party Promotions. In connection with the Products that we offer, we have established Internet links from our website to select news media outlets, the Federal Trade Commission, and other relevant websites. These linked websites are not under our control, and we are not responsible for their content or delivery. Our use of such links does not constitute or imply our endorsement or guarantee of the products, services, information or recommendations provided by any such websites. In addition, these websites may have privacy policies that are different than ours, and that may provide you less security for your confidential information than we do. If you access any linked third-party website, you do so at your own risk. We disclaim all liability with regard to your access to and use of such linked websites. We or our business partners may present advertisements or promotional materials on or through the site. Your dealings with, or participation in promotions of, any third-party products or services on or through the site are solely between you and such third party and your participation is subject to the terms and conditions associated with that advertisement or promotion. You agree that Allstate Identity Protection is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.

  12. Liability Limitations. TO PROVIDE CERTAIN SERVICES ASSOCIATED WITH OUR PRODUCTS, WE SUBCONTRACT WITH, OPERATE UNDER LICENSES FROM, AND RECEIVE INFORMATION FEEDS FROM, CERTAIN SUBCONTRACTORS AND SERVICE PROVIDERS. WE ARE NOT RESPONSIBLE FOR (I) THE ACCURACY, COMPLETENESS, AND/OR VALIDITY OF ANY PRODUCTS, SOLUTIONS OR INFORMATION PROVIDED TO US BY ANY OF OUR SUBCONTRACTORS, SERVICE PROVIDERS AND/OR ANY OTHER THIRD PARTIES (INCLUDING, WITHOUT LIMITATION, CONSUMER REPORTING AGENCIES OR ANY PARTIES TO WHOM WE PROVIDE LINKS), (II) INCORRECT OR INCOMPLETE INFORMATION THAT YOU PROVIDE TO US, SUCH AS INCORRECT OR OUTDATED CONTACT OR ACCOUNT INFORMATION, OR (III) INCORRECT INFORMATION THAT WE RECEIVE FROM THIRD-PARTY SOURCES, OR OUR FAILURE TO OBTAIN INFORMATION FROM THIRD-PARTY SOURCES, AS A RESULT OF INCORRECT OR INCOMPLETE INFORMATION THAT YOU PROVIDE US. IN ADDITION, WE ARE NOT RESPONSIBLE FOR ANY LOSSES, ERRORS, INJURIES, EXPENSES, CLAIMS, ATTORNEY’S FEES, INTEREST, OR OTHER DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL (ANY OF WHICH, “LOSSES”), CAUSED BY, ARISING FROM, OR IN CONNECTION WITH YOUR ACCESS TO AND/OR USE OF THE PRODUCTS. NEITHER WE NOR OUR SUBCONTRACTORS, PARTNERS AND/OR SERVICE PROVIDERS WILL BE LIABLE FOR THE LOSS, CONFIDENTIALITY, UNAUTHORIZED DISCLOSURE OR SECURITY OF ANY DATA OR INFORMATION WHILE IN TRANSIT VIA THE INTERNET, TELEPHONE OR OTHER COMMUNICATION LINES, POSTAL SYSTEM, ACH NETWORK OR OTHER MEANS OF TRANSMISSION. WITHOUT LIMITING THE FOREGOING LIMITATION OF LIABILITY, IN THE EVENT WE ARE FOUND LIABLE FOR DAMAGES TO YOU IN A COMPETENT LEGAL PROCEEDING, OUR AGGREGATE LIABILITY FOR ALL CLAIMS CAUSED BY, ARISING OUT OF, OR RELATED TO YOUR ACCESS TO AND/OR USE OF THE PRODUCTS IS LIMITED TO THE LESSER OF (A) ONE THOUSAND DOLLARS (\$1,000) OR (B) THE AMOUNTS PAID TO US FOR THE PRODUCTS THAT ARE THE BASIS OF THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE DATE OF THE CLAIM.

    If you subscribe for any product, you do it at your initiative, and are solely responsible for compliance with applicable laws relating to your use of such product. Neither we nor our subcontractors, partners or service providers warrant the adequacy, accuracy, or completeness of any information provided through any product or contained in any third-party website linked to or from any Allstate Identity Protection website.

    You understand and agree that Allstate Identity Protection expressly disclaims and bears no liability for fraudulent transactions, whether identified by us or not, and expressly disclaims any warranty that the products will enable you to comply with law, mitigate damages (including, but not limited to, those related to a data breach), or avoid any other consequences of a data breach or failure by you to institute proper security measures. Further, you understand and agree that Allstate Identity Protection and our Products do not, and are not intended to, provide legal, tax, investment or other financial advice.

    WE DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR ERROR-FREE OPERATION, AND ALL PRODUCTS PROVIDED TO YOU ARE PROVIDED ON AN “AS-IS”, “WHERE-IS” AND “AS-AVAILABLE” BASIS.

  13. U.S. Law and Cross-Border Use. You represent and warrant that you are a U.S. resident and that the Products are intended for use by a US resident in the United States only

  14. Indemnification. YOU AGREE TO USE THE PRODUCTS ONLY FOR THE PURPOSES STATED IN, AND IN COMPLIANCE WITH, THIS AGREEMENT. YOU AGREE THAT YOU WILL INDEMNIFY AND HOLD ALLSTATE IDENTITY PROTECTION AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, HARMLESS FOR, FROM AND AGAINST ALL LOSSES, DAMAGES, CLAIMS, AMOUNTS PAID IN SETTLEMENT OF CLAIMS, COSTS AND EXPENSES, (INCLUDING DIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, AND INDIRECT DAMAGES AND/OR REASONABLE ATTORNEYS’ AND CONSULTANTS’ FEES AND EXPENSES), INTEREST, AWARDS, JUDGMENTS, FINES, PENALTIES AND OTHER LIABILITIES MADE BY OR OWING TO ANY THIRD-PARTY RESULTING DIRECTLY OR INDIRECTLY FROM OR ARISING OUT OF YOUR ACCESS TO OR USE OF THE PRODUCTS OR FROM YOUR VIOLATION OF THIS AGREEMENT, OR YOUR VIOLATION OF ANY LAW, REGULATION, OR THIRD-PARTY RIGHTS IN CONNECTION WITH YOUR ACCESS TO OR USE OF ANY OF THE PRODUCTS.

    You shall not, without Allstate Identity Protection’s prior written consent (not to be unreasonably withheld, conditioned or delayed), settle, compromise, or consent to the entry of any judgment in any pending or threatened claim, action, or proceeding in respect of which indemnification is sought hereunder unless such settlement, compromise, or consent includes an unconditional release of Allstate Identity Protection from all liability arising out of such claim, action, or proceeding.

  15. Force Majeure. We will not be liable hereunder for failure or delay in our provision of the Products and related performance of our services due to causes arising from or attributable to acts, events, omissions or accidents beyond our reasonable control, including, but not limited to, acts of God, strike, lockout, labor disputes, governmental orders or restrictions, shortage of materials or labor, utility or communication failure, errors, acts or omissions of third party communications services providers, war, act of terrorism, fire, explosion, sabotage, storm, flood, earthquake, or epidemics.

  16. Assignment. We may assign any or all of our rights and/or delegate all or any of our obligations under this Agreement to any third-party without your consent. You may not assign your rights or delegate your obligations under this Agreement to anyone without our prior written consent, which we may give or withhold in our sole discretion.

  17. Governing Law. This Agreement is governed by and will at all times be construed, interpreted, and enforced in accordance with applicable federal law and, to the extent state law applies, the laws of Illinois, without regard to conflict of law’s provisions, except that the Federal Arbitration Act applies to the arbitration agreement and class action waiver provisions contained in this Agreement.

  18. ARBITRATION PROVISION AND CLASS ACTION WAIVER. ANY CLAIM OR CONTROVERSY ARISING OUT OF OR RELATING TO THIS AGREEMENT, YOUR USE OF THE PRODUCTS, OR ANY ACTS OR OMISSIONS FOR WHICH YOU CONTEND WE ARE LIABLE, INCLUDING, BUT NOT LIMITED TO, WHETHER A PARTICULAR CLAIM OR CONTROVERSY IS SUBJECT TO THIS SECTION (“DISPUTE”), WILL BE FINALLY, AND EXCLUSIVELY, SETTLED BY ARBITRATION HELD BEFORE ONE ARBITRATOR UNDER THE THEN PREVAILING COMMERCIAL ARBITRATION RULES AND RULES FOR EXPEDITED PROCEDURES OF THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN FORCE AT THAT TIME. THE ARBITRATION WILL BE CONDUCTED IN CHICAGO, ILLINOIS. THE ARBITRATOR WILL BE SELECTED PURSUANT TO THE AAA RULES. THE ARBITRATOR WILL HAVE THE POWER TO AWARD NO MORE THAN THE PREVAILING PARTY’S ACTUAL, COMPENSATORY DAMAGES IN CONNECTION WITH ANY DISPUTE, AND MAY NOT AWARD DAMAGES IN EXCESS OF ACTUAL, COMPENSATORY DAMAGES, SUCH AS BY MULTIPLYING ACTUAL DAMAGES OR BY AWARDING CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (COLLECTIVELY, “ENHANCED DAMAGES”), AND BOTH YOU AND WE IRREVOCABLY WAIVE ANY CLAIM TO ENHANCED DAMAGES, EXCEPT WHERE SUCH A WAIVER WOULD EXPLICITLY VIOLATE THE LAW OF THE STATE IN WHICH YOU LIVE AT THE TIME A DISPUTE ARISES. THIS SECTION, REGARDING ARBITRATION, WILL NOT BE CONSTRUED AS AN AGREEMENT TO THE JOINDER OR CONSOLIDATION OF ARBITRATION UNDER THIS AGREEMENT WITH ARBITRATION OF DISPUTES OR CLAIMS OF ANY PARTY OTHER THAN YOU OR US, REGARDLESS OF THE NATURE OF THE ISSUES OR DISPUTES INVOLVED. ANY JUDGMENT UPON THE AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED IN ANY COURT WHICH HAS JURISDICTION OVER THE NON-PREVAILING PARTY. BY AGREEING TO THE FOREGOING ARBITRATION TERMS, YOU WAIVE YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO WAIVE YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS OR CLASS ARBITRATIONS. IF ANY OF THE FOREGOING PROVISIONS IS DETERMINED BY A COURT OR ARBITRATOR TO BE INAPPLICABLE OR UNENFORCEABLE WITH RESPECT TO A DISPUTE, YOU AND WE AGREE THAT, SUBJECT TO THE FOREGOING ARBITRATION PROVISIONS, JURISDICTION OVER AND VENUE OF ANY SUIT WILL BE EXCLUSIVELY IN THE STATE AND FEDERAL COURTS SITTING IN COOK COUNTY, ILLINOIS. IF EITHER YOU OR WE EMPLOY ATTORNEYS TO ENFORCE ANY RIGHT IN CONNECTION WITH ANY DISPUTE OR LAWSUIT, THE PREVAILING PARTY WILL BE ENTITLED TO RECOVER REASONABLE ATTORNEYS’ FEES AND EXPENSES, AS WELL AS ARBITRATION AND/OR COURT COSTS.

  19. Billing and Payment Terms. The Products are offered to Members based on their continued eligibility as named insureds on certain Allstate Insurance policies in certain designated states and are not purchased as a paid subscription under this Agreement.

  20. Term, Termination, and Renewal. Eligibility is reviewed at least monthly. If you are no longer an eligible Member (e.g., your qualifying Allstate property-liability policy is no longer active), your access to the Products will be cancelled effective at the end of a monthly access period tied to the eligibility check date. You may cancel these services at any time in your Allstate app or My Account on www.allstate.com.

  21. Use Restrictions. You shall not and shall not permit others to:

    • interfere with the operation of Products or another’s use of the Products;
    • introduce any viruses, worms, malware, trojans, or other malicious or disruptive code;
    • impersonate any person or entity, provide false information required for obtaining access to the Products;
    • use the Products for commercial or other non-personal purposes;
    • reverse engineer, decompile, or otherwise attempt to derive source code of the software that powers the Products;
    • create or use any script or automated tool that attempts to create multiple ways to access or use the Products;
    • attempt to gain or provide unauthorized access to the Products or any computer system used to provide the Products, circumvent any access restriction or security measures with respect to the Products, or disclose your access information or otherwise give access to the Products to any third party; or
    • tamper, alter, modify, change, disassemble, reverse engineer, copy, or duplicate in any manner the Products or its associated code.

    The foregoing list is not exhaustive. If you engage in any activity with us that we determine, in our sole discretion, to be offensive, threatening or harassing, interferes with our ability to help other subscribers, causes harm to us, or you otherwise violate this Agreement, your access to and use of the Products will terminate effective immediately, and you will be unable to access or use your subscription account. In addition, you may be subject to legal action and may be denied future participation in any products provided, distributed or sold by us. Failure by Allstate Identity Protection to enforce such rights remedies is not and shall not be deemed a waiver of such rights and remedies.

  22. Waiver. Allstate Identity Protection will not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of our rights under this Agreement. No waiver by us will be binding unless in writing and signed by an authorized representative of Allstate Identity Protection. No waiver by us of a breach of this Agreement will constitute a waiver of any prior or subsequent breach of this Agreement.

  23. Effect of Invalidity. If any provision of this Agreement is determined to be invalid or unenforceable under applicable law, such provision (to the extent of such invalidity or unenforceability) shall be deemed severed from this Agreement, and the remaining provisions of this Agreement will remain valid and enforceable.

  24. Entire Agreement. This Agreement constitutes the entire understanding and agreement between you and us with respect to the subject matter of this Agreement, and all prior and contemporaneous agreements, understandings, representations and communications between you and us concerning such subject matter are hereby superseded and made null and void in their entirety. You acknowledge and agree that you have not relied on any statement, representation, warranty, or agreement of ours or any other person purporting to act on our behalf, including any representations, warranties, or agreements arising from our website, any promotional materials, any statute, or otherwise in law, except for the representations, warranties, or agreements expressly contained in this Agreement.

ARTICLE II

TERMS AND CONDITIONS REGARDING PARTICULAR PRODUCTS FEATURES

The following sets forth certain terms and conditions that apply to the specific Product features described below. Feature availability depends upon your level of coverage. Please refer to your Allstate account for the features available to you.

Internet Surveillance. Allstate Identity Protection may not directly notify you of any security breaches made public. Allstate Identity Protection commonly releases blogs regarding public breaches, which users may access through the Allstate Identity Protection site.

Allstate Digital FootprintSM. The Allstate Digital Footprint is activated when you sign up for Allstate Digital Footprint and grant access to Allstate Identity Protection to read, write, modify, or control email message bodies (including attachments), metadata, headers, and settings (“Email Data”). By activating the Allstate Digital Footprint, you agree to allow Allstate to collect, use and share your Email Data to (i) identify certain online accounts, (ii) notify you of known security breaches that relate to those accounts, and (iii) at your request, send data privacy requests, unsubscribe requests or deletion requests from your email account. In conducting the Allstate Digital Footprint scan, our technology analyzes your emails including the headers and senders of the emails, and to the extent necessary, the content of the email to determine if a digital relationship exists. Allstate Identity Protection retains email header and sender information where a digital relationship was identified but does not retain or store the content of your emails.

Additionally, Allstate will not:

  • transfer email data to others unless it is necessary to provide and improve features, comply with applicable law, or otherwise provide the services, use email data for serving advertisements, or
  • allow a person to read your email data unless we have your affirmative agreement regarding specific messages, doing so is necessary for security purposes such as investigating abuse, to comply with applicable law, or for an Allstate product's internal operations.

Allstate’s use and transfer to any other app of information received from Google email accounts will adhere to Google API Services User Data Policy, including the limited use requirements, which are accessible at https://developers.google.com/terms/api-services-user-data-policy.

Your email address will be matched against a list of email addresses involved in known security breaches that relate to those accounts. If applicable, you will be alerted about those breaches. If you wish for Allstate Identity Protection to no longer access your Email Data, you may revoke access directly through your email account provider at any time or by disconnecting your email account from the service.

You agree that the Allstate Digital Footprint is for personal use only and by granting Allstate Identity Protection access to your email account, you are certifying that you are the individual owner of the email account and that you have the authority to grant such access. The Allstate Digital Footprint is created based upon accounts identified in your email through our email scanning process. Our email scan only looks at your inbox, not deleted or sent emails. You may have additional accounts that are not revealed through in your Allstate Digital Footprint because you have not had any email communication with those companies, or you may have deleted emails from those accounts. This Service is not an insurance product and Allstate Identity Protection expressly disclaims any representations or claims that this Product establishes, rebuilds, raises, repairs, rehabilitates, restores, or improves your credit.

The Allstate Digital Footprint Privacy Insights feature provides insights regarding a company’s collection and use of personal information based on the information disclosed in the company’s privacy policy (which may also be referred to as a “privacy statement” or “privacy notice”). Companies may have multiple policies, however, at this time we are only able to review the privacy policy on the company’s main website. We use machine learning technology to provide these insights, which is not always 100% accurate. Our summaries are for information purposes only and highlight only certain types of a company's usage and collection of data. The Privacy Insights are not a substitute for reading a company’s privacy statement. To fully understand how a company collects and uses your data, you should always visit their website to read its privacy policy in full.

The Allstate Digital Footprint provides you with the ability to send requests to companies from your email account to (i) unsubscribe you from marketing emails, (ii) delete your data and account, and (iii) honor certain privacy preference requests. Companies may not be legally required to comply with requests to delete your data and therefore may not honor such requests. Companies are also not legally required to comply with privacy preference requests or may have specific processes in place to honor privacy preference requests. Companies may vary widely in how, when or if they respond to your data preference request. Allstate does not communicate independently with companies regarding your unsubscribe, deletion and privacy preference requests. You should monitor your inbox for communications from the company with respect to such requests.

Allstate Digital Footprint is not a consumer report (as defined under the Fair Credit Reporting Act), is not credit-related, and is not used for credit eligibility decisions.

BREACH CHECKER

Breach Checker is an informational tool intended to help Members assess whether certain identifiers (such as email address) may be associated with known security incidents. Results are provided “AS IS” and may rely on third-party and/or publicly available sources. We do not guarantee completeness or accuracy. Breach Checker is not a consumer report and is not credit-related. This service works as a one- time lookup. Ongoing alerts will not be provided.

ALLSTATE IDENTITY RESTORATION

If you contact us to open a restoration case, you grant permission to Allstate Identity Protection and its subcontractors and service providers to obtain your credit and transaction information from third-party sources to verify your identity and support your restoration case. This information will be collected per Allstate Identity Protection’s Privacy Statement.

Additional Agreements / Authority to Act: Before we can take action on your behalf, we may require you to sign and return additional documents authorizing us to communicate with and work with third parties (e.g., financial institutions, credit bureaus) in connection with your restoration case. These documents may include limited authorizations and powers necessary to perform case management activities.

No insurance or reimbursement benefits are provided under these Terms. Any separate insurance benefit, if applicable, is governed by the applicable policy documents, not this Agreement.

If you ask us to assist you to restore your identity following an event of identity fraud, we may need to send you a package of documents to sign and return (the “Additional Agreements”) before we can take action to restore your identity. The Additional Documents enable us to work with third parties on your behalf, like your financial institutions. You may be required to access a secure file transfer portal to provide us with Additional Agreements and documentation related to your identity theft incident. When you provide us with such documents, you are granting us permission to take such actions and use such documents as necessary to provide our Services.

Eligibility End During Open Case: If you have canceled your identity protection service during the time that you have an open restoration case, Allstate Identity Protection will continue restoration until the case is resolved (whether successfully or not.) A restoration case may not be opened after the service has been cancelled. Our Apps. Downloading and use of the Apps does not create an ownership interest of any kind in the Apps, or the intellectual property related thereto (see Intellectual Property in this Agreement), but instead creates a non-exclusive, fully-paid, royalty-fee, revocable, license to use the Apps for their intended purpose only. The Apps may be available through third-party providers (e.g., App Store). However, this Agreement is the sole and exclusive agreement between us and you for your use of the Apps, and any agreement with such third-party provider will not govern the terms of service of the Apps or otherwise supplement, override or affect any provision of this Agreement. Unless expressly stated, this Agreement does not modify any other terms set forth in any application marketplace, including, but not limited to, the Apple App Store Terms and Conditions and Google Play Terms of Service or as otherwise required by any application marketplace provider (“Application Marketplace Provider”).To the extent necessary for this Agreement to comply with Apple’s applicable Instructions for Minimum Terms of Developer’s End-User License Agreement (“Apple’s Minimum Terms”), Apple’s Minimum Terms are hereby incorporated into this Agreement.

CONTACT INFORMATION

Customer Support Phone: 1-877-313-9380

Customer Support Email: support@allstateidentityprotection.com

March 3, 2026