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PLEASE READ THESE PORTAL TERMS OF USE CAREFULLY

  1. WHO KROLL AND EXPERIAN ARE AND WHAT THIS DOCUMENT DOES

    Kroll Information (UK) Limited at The Shard, 32 London Bridge Street, London, SE1 9SG with telephone number of 08000465453 (free-phone), and email address of GlobalSupport@kroll.com (including its officers, employees and affiliates, referred to herein as, “Kroll”), provides identity monitoring services through its supplier, CSIdentity Corporation, Inc., an Experian company and also known as Experian Partner Solutions (“Experian”). You are utilizing the Experian site in order to register for these services.

    Please read these Portal Terms of Use carefully as they form a legally binding contract between you and Kroll and between you and Experian. If you do not agree to these terms of use, you must not use the Platform and must contact Kroll and Experian immediately with details. Kroll and Experian recommend that you save a copy of these terms of use for future reference.

  2. THERE ARE OTHER TERMS THAT MAY APPLY TO YOU

    Kroll’s Privacy Policy and other relevant terms linked to from kroll.com also apply to your use of the Platform (as defined herein).

    Additionally, your use of the Platform is subject to the Experian Privacy and Cookies Policy and any other terms and conditions required by Experian for you to access the Platform.

  3. Experian may license you to use:

    a.Experian’s portal software and any updates or supplements to it (collectively, the “Portal”);

    b.Related online or electronic documentation found in the Portal (“Documentation”); and

    c.The service provided to you through the Portal (“Service”).

    Together, each of the items bullet pointed above are collectively referred to within these terms of use as the “Platform.”

  4. YOU MUST BE 18 TO ACCEPT THESE TERMS OF USE AND USE THE PLATFORM

    You must be 18 or over to accept the terms of use and be able to use the Platform.

  5. YOU MUST NOT TRANSFER YOUR RIGHT TO USE THE PLATFORM OR YOUR PLATFORM LOGIN DETAILS TO SOMEONE ELSE

    If Experian gives you the right to use the Platform, Experian is giving you personally the right to use the Platform.

    You must not transfer your Platform details or Service to someone else, whether for money, for anything else or for free. If you sell any device on which the Platform is used, you must remove memory of anything of or from the Platform from the device prior to the sale. You are responsible for ensuring that all persons who access the Platform through your internet connection or device or using your account details are aware of these terms of use and other applicable documents referred to herein and that they comply with them.

    Experian does not guarantee that the Platform, or any content on it will always be available or be uninterrupted. Experian may suspend or withdraw or restrict the availability of all or any part of the Platform for business and operational reasons.

  6. YOU MUST KEEP YOUR ACCOUNT DETAILS SAFE

    If you choose, or are provided with, a user identification code or password or any other piece of information as part of Experian’s security procedures, you must treat such information as confidential. You must not disclose it to any third party.

    Experian has the right to disable any user identification code or password, whether chosen by you or allocated to you, at any time if, in Kroll’s or Experian’s reasonable opinion, you have failed to comply with any of the provisions of these terms of use.

    If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify Experian using the contact information provided by Experian.

  7. LICENSE RESTRICTIONS

    You agree that you will:

    a.not rent, lease, sub-license, loan, provide, or otherwise make available the Platform in any form, in whole or in part to any person without prior written consent from Experian;

    b.not make a copy of the Platform, except as part of the normal use of the Platform or where it is necessary for the purpose of back-up or operational security;

    c.not translate, merge, adapt, vary, alter or modify, the whole or any part of the Platform nor permit the Platform or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the Platform as permitted in these terms of use;

    d.not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the Platform nor attempt to do any such things;

    e.comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the Platform.

  8. UPDATE TO THE PLATFORM AND CHANGES TO THE SERVICE

    From time to time, Experian may automatically update the Platform and change it to improve performance, enhance functionality, reflect changes to the operating system or address security issues.

    If you choose not to agree to any such updates or if you opt out of automatic updates, you may not be able to continue using the Platform.

  9. HOW YOU MAY USE THE PLATFORM

    If Experian gives you the right to use the Platform, you may:

    a.view, use and display the Platform for your personal purposes only;

    b.use any Documentation within the Platform to support your permitted use of the Platform;

    c.receive and use any free supplementary software code or update of the Platform incorporating “patches” and corrections of errors as Experian may provide to you.

  10. IF SOMEONE ELSE OWNS THE DEVICE YOU ARE USING

    If you use the Platform on any phone or other device not owned by you, you must have the owner’s permission to do so. You will be responsible for complying with these terms of use, whether or not you own the phone or other device.

  11. ACCEPTABLE USE RESTRICTIONS

    You must:

    a.not use the Platform in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms of use, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the Platform or any operating system;

    b.not infringe Kroll’s intellectual property rights or those of any third party (including, but not limited to, Experian) in relation to your use of the Platform;

    c.not transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Platform;

    d.not use the Platform in a way that could damage, disable, overburden, impair or compromise Kroll’s or any third party’s (including, but not limited to, Experian’s) systems or security or interfere with other users; and

    e.not collect or harvest any information or data from the Platform or Kroll’s or any third party’s (including, but not limited to, Experian’s) systems or attempt to decipher any transmissions to or from the servers running the Platform.

  12. INTELLECTUAL PROPERTY RIGHTS

    All intellectual property rights in the Platform and Kroll intellectual property throughout the world belong to Experian or Kroll, respectively, and the rights in the Platform may be licensed (but, not sold) to you. You have no intellectual property rights in, or to, the Platform other than the right to use it in accordance with these terms of useand any other terms and conditions required by Experian for you to use the Platform.

    You must not modify the paper or digital copies of any materials you have printed or downloaded from the Platform in any way and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

    You must not use any part of the content on the Platform for commercial purposes without obtaining a license to do so from Experian.

    If you print off, copy or download any part of the Platform in breach of these terms of use, your right to use the Platform will cease immediately and you must, at Kroll’s or Experian’s option, return or destroy any copies of the materials you have made.

    Kroll Information UK Limited is a UK registered trade mark. You are not permitted to use it, Kroll’s logo, or any of Kroll’s other intellectual property without Kroll’s approval.

  13. YOUR RIGHTS TO USE THE PLATFORM MAY BE TERMINATED IF YOU BREACH THESE TERMS OF USE

    Your rights to use the Platform may be terminated at any time if you have breached these terms of use. This may also impact the services you have already entered into with Kroll and Kroll may seek to terminate the services as a result of your breach of these terms of use. If your breach can be cured, Kroll will give you a reasonable opportunity to do so.

    If your rights to use the Platform or any part of it are terminated:

    a.You must stop all activities authorized by these terms of use including your use of the Platform;

    b.You must delete the Platform from all devices in your possession and confirm to Kroll that you have done this.

    c.Your access to the Platform may be remotely blocked or removed and the Services may cease.

  14. SUPPORT AND HOW TO REPORT PROBLEMS

    Support. If you want to learn more or have any problems using the services provided to you, please contact the Kroll customer service team at GlobalSupport@kroll.com.

    Contacting Experian (including with complaints)

    If you are a resident of an EU country (or the UK) and wish to exercise any of your rights in respect of your personal information, or if you have questions, comments, and/or complaints regarding Experian’s Privacy and Cookies Policy or how Experian collects, transmits, and processes data, please contact Experian by email or mail:

    Email: eu.data.privacy@experian.com.

    Mail: Experian, 1501 S. Mopac Exp, Suite 200, Austin, TX 78746, USA

    If you are a resident of a non-EU country and wish to exercise any of your rights in respect of your personal information, or if you have questions, comments, and/or complaints regarding Experian’s Privacy and Cookies Policy or how Experian collects, transmits, and processes data, please contact Experian by email or mail:

    Email: global.data.privacy@experian.com

    Mail: Experian, 1501 S. Mopac Exp., Suite 200, Austin, TX 78746, USA

    Contacting Kroll (including with complaints)

    If you wish to contact Kroll, please email the Kroll customer service team at GlobalSupport@kroll.com or call on 08000465453 (free-phone).

    How Kroll will communicate with you

    If Kroll has to contact you, Kroll will do so by email, by SMS, through Kroll’s website or by pre-paid post using the contact details you have provided to Kroll.

  15. To the extent Kroll collects any personal data, the following terms will apply WITH REGARD TO YOUR PRIVACY

    Kroll only uses any personal data Kroll collects in the ways set out in Kroll’s Privacy Policy. Please be aware that Platform transmissions cannot be guaranteed to be completely private or secure and that any message or information you enter or send using the Platform may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

  16. HOW KROLL MAY USE YOUR PERSONAL DATA

    Kroll will only use your personal data as set out in Kroll’s Privacy Policy.

  17. TECHNICAL DATA ABOUT YOUR DEVICE MAY BE COLLECTED

    By using the Platform, you agree to the collection and use of technical information about the devices you use and related software, hardware and peripherals to improve products and services.

  18. LOCATION DATA MAY BE COLLECTED (BUT YOU CAN TURN LOCATION SERVICES OFF)

    From time to time, location data sent from your devices may be collected and used. You can turn off this functionality at any time by turning off the location services settings on the device. If you leave on the location services, you consent to Kroll and Kroll’s affiliates’ and licensees’ transmission, collection, retention, maintenance, processing and use of your location data and queries to provide and improve the services provided to you.

  19. KROLL IS NOT RESPONSIBLE FOR OTHER WEBSITES YOU LINK TO

    The Platform itself and links to other independent websites are not provided by Kroll. The Platform and such independent sites are not under Kroll’s control, and Kroll is not responsible for and has not checked or approved their content or their privacy policies (if any).

    You will need to make your own independent judgement about whether to use the Platform and any such independent sites, including whether to buy or enter into any products or services offered by them (including, but not limited to, Experian).

  20. CHANGES TO THESE TERMS OF USE

    Kroll may need to change these terms of use to reflect changes in law or best practices or to deal with additional features which are introduced.

    Kroll will give you notice of any material change by sending a notification to you or by notifying you when you next enter Kroll’s website.

    If you do not accept the notified changes, you may continue to use the Platform in accordance with the existing terms of use, but certain new features may not be available to you.

  21. KROLL’S RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

    Kroll is responsible to you for foreseeable loss and damage caused by Kroll. If Kroll fails to comply with these terms of use, Kroll is responsible for loss or damage you suffer that is a foreseeable result of Kroll breaking these terms of use or Kroll failing to use reasonable care and skill, but Kroll is not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is either obvious that it will happen or if, at the time you accepted these terms of use, both Kroll and you knew it might happen.

    Kroll does not exclude or limit, in any way, Kroll’s liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by Kroll’s gross negligence or for fraud or fraudulent misrepresentation.

    When Kroll is liable for damage to your property. If defective digital content that Kroll has supplied damages a device or digital content belonging to you, Kroll will either repair the damage or pay compensation to you. However, Kroll will not be liable for damage that you could have avoided by following Kroll’s advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by Kroll.

    Kroll is not liable for business losses. The Platform is for domestic and private use. If you use the Platform for any commercial, business or resale purposes, Kroll will have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.

    Kroll takes no responsibility for your use of the Platform that results in you breaching the terms and conditions of any other party.

    Kroll excludes all of Kroll’s other liability to the maximum extent allowed by law.

    Limitations to the Platform. The Platform is provided for general information only. It does not offer any advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of information obtained from the Platform. Kroll makes no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date.

    Check that the Platform is suitable for you. The Platform has not been developed to meet your individual requirements. Please check that the facilities and functions of the Platform meet your requirements.

    Kroll is not responsible for events outside Kroll’s control. Kroll is not liable for anything outside of Kroll’s control including, but not limited to, the Platform, any actions or omissions or negligence by either an individual or a third party (including, without limitation, Experian), and any data breach, regulatory investigation, or other inquiry outside of Kroll’s control. Further, Kroll is not liable if provision of the Platform is delayed by an event outside Kroll’s control or for delays caused by any third party network provider or otherwise.

  22. YOUR RESPONSIBILITY FOR CLAIMS BROUGHT AGAINST KROLL

    You are responsible for claims brought against Kroll caused by events outside of Kroll’s control. You agree to hold harmless, indemnify, and defend Kroll and its affiliates including, but not limited to, Kroll’s and its affiliates’ officers, directors, employees, representatives, and clients (“Kroll Indemnitees”) from and against claims, demands, liabilities, losses, expenses, damages, and costs (including, without limitation, reasonable attorneys’ fees and disbursements) (“Claims”) arising out of or related to: (a) your breach of these terms of use, (b) your failure to comply with those of Kroll’s internal policies and procedures that are applicable to you, (c) your violation of any applicable federal, state or local law, (d) claims that the Platform, and any resulting use of the Platform constitutes an infringement, misappropriation or violation of any intellectual property right or other proprietary right of a third-party, and/or (e) anything outside of Kroll’s control including, but not limited to, harm caused by the Platform, any actions or omissions or negligence by either an individual or a third party (including, without limitation, Experian), and any data breach, regulatory investigation, or other inquiry.

  23. KROLL MAY TRANSFER THIS AGREEMENT TO SOMEONE ELSE

    Kroll may transfer Kroll’s rights and obligations under these terms of use to another organization. Kroll will tell you in writing if this happens, including via a notice on Kroll’s website.

  24. YOU NEED KROLL’S CONSENT TO TRANSFER YOUR RIGHTS TO SOMEONE ELSE

    You may only transfer your rights or your obligations under these terms of use to another person if Kroll agrees in writing.

  25. NO RIGHTS FOR THIRD PARTIES

    These terms of use do not give rise to any rights to third parties (including, but not limited to, under the Contracts (Rights of Third Parties) Act 1999) to enforce any term.

  26. IF A COURT FINDS PART OF THIS CONTRACT ILLEGAL, THE REST WILL CONTINUE IN FORCE

    Each of the paragraphs of these terms of use operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

  27. EVEN IF KROLL DELAYS IN ENFORCING THIS CONTRACT, KROLL CAN STILL ENFORCE IT LATER

    Even if Kroll delays in enforcing these terms of use, Kroll can still enforce them later. If Kroll does not insist immediately that you do anything you are required to do under these terms of use, or if Kroll delays in taking steps against you in respect of your breaching these terms of use, that will not mean that you do not have to do those things and it will not prevent Kroll from taking steps against you at a later date.

  28. WHICH LAWS APPLY TO THIS CONTRACT AND WHERE YOU MAY BRING LEGAL PROCEEDINGS

    These terms of use are governed by English law and legal proceedings are to be brought in the English courts. If you live in Scotland, you can bring legal proceedings in either the Scottish or the English courts. If you live in Northern Ireland, you can bring legal proceedings in either the Northern Irish or the English courts

  29. ALTERNATIVE DISPUTE RESOLUTION

    Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how Kroll has handled any complaint, Kroll can appoint an alternative dispute resolution provider. Please contact Kroll to find out more.