Terms of Service
Privacy Policy
Cookie Policy

NordProtect Terms of Service

Effective date: October 30, 2024
  1. INTRODUCTION

    1. Terms. These Terms of Service (“Terms”) govern your use of the NordProtect identity theft protection services (“Services”) provided through the application on the website https://nordprotect.com (“Website”), developed by Cyber Protection Inc. (“NordProtect,” “we,” “us,” “our”), a company registered at 20860 N. Tatum Blvd., Suite 300, Phoenix, AZ 85050, USA.

    2. Subscription. Our Services are provided on a Subscription basis. This means that the provision of the Services will auto-renew at the end of the current Subscription period, unless you cancel it before the auto-renewal at the end of the current Subscription period, or if the terms of the Subscription acquired through one of our Authorized Partner(s) (as described below) state(s) otherwise.

    3. Privacy. For information about how we collect, use, disclose, and safeguard your personal information, please read our Privacy Policy.

  2. YOUR AGREEMENT WITH US

    1. Binding Legal Agreement. Please note that these Terms constitute a binding legal agreement between you and NordProtect. You agree and accept to be bound by these Terms by either: (i) creating a user account and/or other accounts to use Services (“Account”); (ii) accessing or using the Services and Website; or (iii) otherwise electronically agreeing to be bound by these Terms.

      OUR SERVICES ARE OFFERED TO YOU CONDITIONAL ON YOUR ACCEPTANCE OF THESE TERMS. PLEASE READ ALL OF THEM CAREFULLY. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS OR ANY PROVISIONS HEREOF, PLEASE DO NOT ACCESS AND USE OUR SERVICES AND/OR WEBSITE.

    2. Updates to the Terms. We develop our Services and Website, regularly introducing new features or modifying current ones. In addition, we may need to update the Terms by amending them from time to time to: (i) comply with the law; (ii) comply with orders/recommendations of regulatory authorities; (iii) add additional functionality, services, features, technologies and/or benefits, or to remove old ones; (iv) correct errors and bugs; (v) clarify the Terms; (vi) prevent abuse or harm; or (vii) for any other valid reason (e.g., for security reasons). You understand and agree that it is your obligation to review the Terms from time to time in order to stay informed of current rules and obligations. Notification of any material changes to the Terms that affect your rights or obligations will be provided in advance of such changes by reasonable means (e.g., via email). Unless it is stated by us otherwise, each update of the Terms comes into force as of the moment the amendment is published. Your continued use of the Services will be deemed as acceptance thereof. You can also terminate your relationship with us at any time after the effective date of the updated Terms by closing your Account and/or not accessing our Services and/or Website.

      THE TERMS MAY CHANGE, SO IT IS IMPORTANT TO REVIEW THEM PERIODICALLY.

  3. YOUR USER ACCOUNT, ELIGIBILITY, EXCLUSIONS AND VERIFICATION

    1. Creating an Account. To access and use our Services, you must set up an Account by providing certain information (e.g., your email address, password, billing information, country). All information you provide must be complete, accurate, true to the fact, and kept up to date. Accounts are non-transferable.

    2. Confidentiality of and Access to the Account. You agree to accept responsibility and are solely responsible for any and all usage and activity that occur under your Account or password, including, but not limited to, use of the Account by another person, whether or not authorized by you. You are responsible for maintaining the confidentiality of your Account and its password, and for restricting access to your Account by another party. To protect your Account, keep your password confidential. Do not reuse your Account password with other services. You agree to immediately notify us of any unauthorized use of your Account or password.

    3. Two-Factor Authentication. To enhance the security of your Account we require the use of two-factor authentication (“2FA”) when accessing our Services and activating certain features (such as Credit Monitoring Services, as described below). 2FA is an additional layer of security used to verify your identity in conjunction with your account password.

    4. Eligibility. Our Services and/or Website shall not be available to any persons who are not Eligible or to any users previously suspended, terminated, or removed from the Services by us. Unless otherwise expressly stated in this Section 3, “Eligible” means that you reside in the United States and are 18 years of age or above the age of majority in your jurisdiction of residence (whichever is greater). By accessing and/or using our Services and/or Website you represent and warrant that you are Eligible.

    5. Eligibility and Activation of Credit Scores and Credit Monitoring (Alert) Services. Certain features, such as accessing credit reports, obtaining credit scores and/or monitoring your credit file against suspicious credit activity and receiving alerts about critical changes on your credit report (“Credit Monitoring Services”) require identity authentication and a valid U.S. Social Security number to activate. You must successfully pass identity authentication, and your VantageScore® 3.0 credit score must contain sufficient credit history information. If either of these requirements are not met, you will be unable to activate your Credit Monitoring Services. Please read Section 7 (“Credit Monitoring Services”) for more details.

    6. Availability of Identity Protection Benefits. The Identity Theft Recovery and Cyber Extortion Protection coverages (“Identity Protection Benefits”) are currently available to all customers residing in the United States, including U.S. territories and the District of Columbia, with the exception of residents of New York and Washington. NordProtect is not a licensed insurance producer. Benefits under the Group Policy are issued and covered by HSB Specialty Insurance Company. You can find further details and exclusions in the summary of benefits.

  4. SUBSCRIPTION, AUTO-RENEWAL, PRICES, AND PAYMENT

    1. Subscription Period. The length of your Subscription will depend on the Subscription period that you select. Subscription periods will typically consist of one (1) month, one (1) year or two (2) year terms (“Subscription Period”). You agree to pay for the Subscription Period that you select.

    2. Auto-Renewal. After the end of your current Subscription Period, your Subscription will automatically renew for the successive defined Service periods on the renewal dates, unless you decide to cancel the Subscription renewal before the day of the charge. If you do not cancel the Subscription renewal in such due course, your chosen payment method will be charged at the then-current renewal price for the upcoming defined Service period.

    3. Payments. You agree to pay us for any Service Subscription Period that you select, as well as all other charges incurred under your Account, including any applicable state/provincial/territorial, federal, or other taxes that may be associated with the Services and any transaction fees and/or currency conversions charges associated with your purchase of the Services. We may suspend or terminate the Services if we do not receive a full payment from you on time. Suspension or termination of the Services for non-payment could result in a loss of access to and use of your Account and its content.

    4. Recurring Payments. When you purchase the Services on a Subscription basis (e.g., monthly, annually, or otherwise), you agree that (i) the Services will auto-renew until you cancel the auto-renewal, (ii) you are authorizing recurring payments, (iii) payments will be made to NordProtect by the method and at the recurring intervals you have agreed to, and, (iv) when applicable, Nordprotect may receive and use updated card account information from the financial institution that has issued your card (used to purchase the Services).

    5. Payment Methods. To purchase the Services directly through us on our Website, you must provide us with a current and valid method of payment, such as a credit or debit card or any other payment method available on the Website.

    6. Billing. By providing us with a payment method, you (i) represent that you are authorized to use the payment method you provided and that any payment information you provide is true and accurate; (ii) authorize us to charge the payment method you provided; and (iii) authorize us to charge you for any paid Services you chose when making a purchase. You can view your billing history and manually generate the receipts and invoices for our Services at any time in your Account (log in to your Account, open the “Billing” section, and under the “Billing history” tab generate the receipt/invoice by clicking “Get invoice”). If you have any questions related to payments, please contact us.

    7. Billing Date. We will charge you for the upcoming Subscription period in advance, i.e., before the beginning of the upcoming Subscription period, unless you cancel the automatic renewal before the billing date. The charge in accordance with your chosen payment method will be made annually or monthly depending on your Subscription plan: (i) for monthly plans: the billing date will be the same as the date you subscribed (e.g., if you subscribed on December 18th, you will be charged on the 18th of each subsequent month); (ii) for longer than one month plans: the billing date will be fourteen (14) days prior to the scheduled auto-renewal date (i.e., date on which the current Subscription period ends, e.g., if your Subscription is set to renew on December 31st, you will be charged on or around December 17th).

    8. Payment Processing. We also reserve the right to (i) obtain and continue using updated credit card account information electronically, when applicable, from the card issuers, (ii) retry failed payments to complete transactions, including but not limited to retrying failed cards with extended expiration dates, and (iii) change or amend authorized payment companies to assist with payment processing.

    9. Fraud Protection. We reserve the right to verify credit/debit card payments prior to completing your purchase.

    10. Zero Authorization. By using our Services on a Subscription basis, you authorize us to initiate an authorization transaction equal to zero (or a nominal amount not exceeding 1 USD that is instantaneously reverted). Such zero authorization is initiated on your provided payment method up to forty (40) days prior to the scheduled auto-renewal date. It helps ensure that your payment method is still valid and, respectively, leads to a seamless continuation of your Subscription. Zero authorization does not represent an actual charge of your account and will not be initiated if you choose to cancel the automatic renewal of your Subscription before the date of the zero authorization.

    11. Reminder. We will send you a notification reminding you about the upcoming automatic renewal of the Subscription, its renewal price, billing date, cancellation instructions, and other related details of our Services thirty (30) days before the billing date (if the Subscription is longer than one month).

    12. Prices. The price of our Services in the introductory offers displayed to you on our Website is valid only for the first period of your Subscription and are subject to change on the automatic renewal. If the renewal price has changed, you will be charged the then-current (changed) price valid on the billing date.

    13. Change of Prices. We may at our reasonable discretion change the price of our paid Services, including Subscription renewal prices, from time to time to reflect the changes of the total costs associated with our Services. Examples of cost elements that affect the price of our Services include licensing costs, costs for the technical provision and distribution and other costs of sales (e.g., billing, marketing), general administration, and other overhead costs (e.g., rent, interest, and other financing costs, costs for personnel, service providers, and services, IT systems, energy), as well as state-imposed fees, contributions, taxes and duties. Any changes to the pricing will not affect your current Subscription period and will become effective only upon Subscription renewal. We will always send you a notification with the upcoming payment amount prior to charging. Subject to applicable law, (i) if you disagree with any proposed change of renewal price, your sole remedy is to cancel the automatic renewal of your Subscription before the next charge is made, and (ii) your continued use of the Services without canceling the automatic renewal of your Subscription constitutes your agreement to pay the new renewal price for the Services.

    14. Change of Payment Details. If any of your payment details change (like card number or expiry date), please let us know as soon as possible so we can continue to provide the Services when it comes time for Subscription renewal. If you update payment details in your Account, the updated information will be regarded as your preferred method for any future payments. Sometimes we may receive updated credit or debit card information from your card issuer or the card network, which NordProtect will use to update your payment details automatically.

    15. Free Trials. In some cases, we or others on our behalf may offer a free trial of our Services prior to charging your payment method (“Free Trial”). The length, usage, and other details of the Free Trial will be specified during sign-up and/or in the promotional materials. Eligibility for the Free Trial is determined at our sole discretion, and, to the extent permitted under applicable law, we reserve the right to modify or withdraw the Free Trial offer at any time without notice. By signing up for a Free Trial, you acknowledge and agree that at the end of the Free Trial, the Services will automatically convert into a paid Subscription and your provided payment method will be charged accordingly. The Subscription will continue to auto-renew until you cancel it. To avoid being charged for the paid Subscription after the Free Trial, you must cancel it before the Free Trial period ends. If the Free Trial was provided by an Authorized Reseller (as described in Section 5 below), cancellation of the paid Subscription shall be completed through the Authorized Reseller. We reserve the right to limit each user to one Free Trial or promotional offer for our paid Services and to prevent the combination of Free Trials with other promotions.

  5. AUTHORIZED RESELLER TRANSACTIONS

    1. Authorized Reseller. You may purchase our Services independently (as a standalone service) or bundled with other services from a third-party partner, reseller, or distributor authorized by us (“Authorized Reseller”).

    2. Payment Obligation. If you purchase the Services through an Authorized Reseller, then: (i) the payment obligations related thereto will be between you and the Authorized Reseller and not NordProtect; and (ii) you will have no direct payment obligations to us, and Section 4 (“Subscription, Auto-Renewal, Prices and Payment”) will not be applicable with respect to such Subscriptions; provided, however, that we may suspend and/or terminate use of our Services if you breach any of your payment obligations to the Authorized Reseller.

    3. No Contradiction. Any terms agreed to between you and the Authorized Reseller that are in addition to or inconsistent with these Terms are solely between you and the Authorized Reseller. No agreement between you and the Authorized Reseller is binding on us, nor will it have any force or effect with respect to the use of the Services or our provision of the Services if they contradict these Terms.

    4. Authorized Reseller Terms. For the applicable rules on Subscription, Auto-Renewal, Price, and Payment, check the terms and conditions of the Authorized Reseller.

  6. CANCELLATION AND REFUND POLICY

    1. Automatic Renewal Cancellation. You have a right to cancel the automatic renewal of your Subscription for the upcoming Service period at any time. To do so, log in to your Nord Account, open the “Billing” section and in the “Subscriptions” tab, next to the “Auto-renewal” section, click “Cancel” and confirm the cancellation by choosing “Cancel auto-renewal”. Please cancel the automatic renewal of your Subscription before the billing date to avoid an automatic charge.

    2. Important Information Regarding Automatic Renewal Cancellation. Once you cancel auto-renewal of your Subscription, you will not be charged automatically on any subsequent billing date. All Services under the Subscription will remain active until the current Subscription period ends. If your Subscription was bundled with other third party services, the automatic renewal cancellation will also apply to any bundled subscriptions.

    3. Refund. We seek your full satisfaction with our Services. However, if you are not satisfied with our Services, you may terminate the Services contract and request a refund within thirty (30) days following your purchase of our Services (“Money Back Guarantee”). Please note that terminated Services contracts may be refunded on the basis of the Money Back Guarantee only after the initial purchase. Once a Services contract is renewed, it cannot be refunded on the basis of the Money Back Guarantee. To the extent permitted under applicable law, we reserve the right not to issue the mentioned refund in the event of a breach of Section 12 (“Prohibited and Restricted Use”) of the Terms. In any case, we would be glad to troubleshoot an issue you experienced before you decide to request the Money Back Guarantee.

    4. Payment of Refund. Your request will be processed without unreasonable delay and the refund will be paid using the same payment method as the one used for the purchase, except as otherwise mutually agreed, unless applicable law prohibits us or the payment service providers we rely on from processing the refund. Once the refund is issued to you, your Services contract will be terminated and you will lose access to the Services for which you were refunded.

    5. Subscriptions Purchased from Authorized Reseller. The refunds for purchases made from an Authorized Reseller are handled according to the terms of service of the Reseller from which the Services were purchased. We shall not be obliged to issue any refunds for the Subscriptions purchased from an Authorized Reseller on behalf of the Authorized Reseller.

    6. Canceling the Auto-Renewal of the Subscription Purchased on our Website. If you have purchased an automatically renewing Subscription on our Website and would like to stop it from automatically renewing, you can do so at any time from your Account. Subscriptions with a canceled auto-renewal will not be refunded for the unused part of the ongoing Service period.

  7. CREDIT MONITORING SERVICES

    1. Authorization. By activating Credit Monitoring Services, you agree that you will use these Services only for yourself. By enrolling you also understand that you are providing “written instructions” as defined in the Fair Credit Reporting Act (“FCRA”) to let us and our service providers access your credit file from TransUnion® and to exchange certain information about you with third parties in order to: (i) verify your identity; (ii) to obtain your credit information from a credit reporting agency; (iii) to display your credit profile to you and to enable the monitoring of your credit for changes; and (iv) to enable provisioning of customer support functions. Each time you access the Credit Monitoring Services, you are providing us with “written instructions” as defined in the FCRA for NordProtect to obtain your consumer credit report from TransUnion®.

    2. If we are unable to verify your identity or otherwise obtain your credit information from TransUnion®, we will be unable to provide Credit Monitoring Services to you and you will not receive alerts regarding changes to your TransUnion® credit file.

    3. There are three different major credit reporting agencies, Experian®, TransUnion®, and Equifax® (collectively, the “Credit Reporting Agencies”), 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 may also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.

    4. Under the FCRA, you are entitled to receive an annual free disclosure of your credit file from each of the national consumer Credit Reporting Agencies. The credit reports provided or requested through our Services are not intended to constitute the disclosure of information by a consumer Credit Reporting Agency as required by the FCRA or similar laws. Likewise, the Services are not intended to substitute for any free credit report or disclosure that any Credit Reporting Agency is required by law to provide to you.

    5. MANY GOVERNMENT RECORDS ARE AVAILABLE FOR FREE OR AT A NOMINAL COST FROM CERTAIN GOVERNMENT AGENCIES. CONSUMER REPORTING AGENCIES ARE REQUIRED BY APPLICABLE FEDERAL AND STATE LAW TO FURNISH YOU WITH A COPY OF YOUR CREDIT REPORT UPON REQUEST, IN SOME INSTANCES AT NO CHARGE, OR FOR A NOMINAL FEE.

    6. Disputing Credit Report. The FCRA permits you to dispute inaccurate or incomplete information in your credit file. You understand that 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 each of the applicable Credit Reporting Agencies directly. You do not have to purchase your credit report or other information from us to dispute inaccurate or incomplete information in your report or to receive a copy of your report from any Credit Reporting Agency.

    7. No Professional Advice. We are not a credit repair organization, credit counselor, debt relief company, or financial or legal advisor as defined under federal or state law. Use of the Services is not a replacement for personal or professional advice or assistance regarding your finances, credit history or fixing your credit rating.

    8. VantageScore® 3.0 Credit Score. The VantageScore® credit score is provided to help you better understand how lenders view your credit report. It is not an endorsement or a determination of your qualification for a loan. Lenders use credit scores to help determine whether you are a good candidate for a loan and what interest rate you will pay. However, each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation from each lender or that the score you receive is the same score used by a lender. As part of the underwriting process, they will incorporate additional information you provide and may obtain references. The information contained in your report reflects the latest information provided to the applicable bureau. If you have recently made a payment, opened a new account, or authorized an inquiry, it may not yet be reflected in the credit report of any one of the bureaus you receive. Likewise, if the information is not included in the applicable credit report it will not be reflected in your credit score based on such a report. Also, disputed items are not incorporated in the assessment of your credit score. NordProtect is not connected in any way with Fair Isaac Corporation; the credit scores provided here are not FICO® scores. The VantageScore® 3.0 credit score may not be identical in every respect to consumer credit scores produced by any other company.

    9. The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 credit score to assess your creditworthiness.

    10. Disclaimer. UNLESS OTHERWISE EXPRESSLY STATED, CREDIT MONITORING SERVICES ARE PROVIDED AS IS, AS AVAILABLE. NORDPROTECT AND ITS SERVICE PROVIDERS HEREBY DISCLAIM AND EXCLUDE ALL REPRESENTATIONS, WARRANTIES, OR CONDITIONS OF ANY KIND WHATSOEVER, WHETHER EXPRESS, IMPLIED (EITHER BY FACT OR BY OPERATION OF LAW), OR STATUTORY, RELATING TO THE CREDIT MONITORING SERVICES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ALL WARRANTIES THAT MAY ARISE FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE PRACTICE. NORDPROTECT AND ITS SERVICE PROVIDERS DO NOT WARRANT THAT THE SERVICES WILL BE ERROR FREE, COMPLETELY SECURE, OR PROVIDED (OR AVAILABLE) WITHOUT INTERRUPTION. NORDPROTECT AND ITS SERVICE PROVIDERS MAKE NO WARRANTIES OR REPRESENTATIONS REGARDING ACCURACY OF INFORMATION CONTENT OR SYSTEM INTEGRATION, OR THE APPROPRIATENESS OF THE CREDIT MONITORING SERVICES FOR ANY PARTICULAR SYSTEM. NORDPROTECT AND ITS SERVICE PROVIDERS DISCLAIM ALL WARRANTIES NOT EXPRESSLY SET FORTH IN THESE TERMS. THE SERVICES ARE NOT FAULT TOLERANT NOR DESIGNED OR INTENDED FOR USE IN ANY ENVIRONMENT REQUIRING FAIL-SAFE PERFORMANCE OR OPERATION. THIS SECTION SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

  8. DARK WEB MONITORING SERVICES

    1. Our Dark Web Monitoring Services help you find out if your personal information – such as email address, Social Security number, phone number, or any other personal information that may be rendered for monitoring from time to time (“Monitored Assets”) – appear on dark web sites, forums, or marketplaces. If we detect that your Monitored Assets or related credentials have been compromised, we’ll send you a security alert with suggestions on how to secure them.

    2. To enroll in the feature, you will have to verify your personal information and add it to the list of Monitored Assets. We will not monitor any personal information that is not verified or belongs to you. Likewise, by adding your personal information into the list of Monitored Assets you confirm that you own this information and have the right to provide it to us and/or our service providers.

    3. While our Dark Web Monitoring feature scans various sources where consumers’ compromised personal information is suspected of being published or leaked and new sources are added frequently, there is no guarantee that we will locate and monitor every possible site or directory where consumers’ compromised personal information is leaked or published. Accordingly, we may not be able to notify you of all your personal information that may have been compromised.

    4. You also understand that neither we nor our service providers will or can remove any personal information from the dark web (or other sources) if it ever gets compromised since such a removal is unenforceable.

    5. Disclaimer. YOU UNDERSTAND AND AGREE THAT DARK WEB MONITORING SERVICES ARE PROVIDED AS IS, AS AVAILABLE. WE DO NOT WARRANT THE COMPLETENESS, INTEGRITY, OR ACCURACY OF THE INFORMATION ON THE DARK WEB. LIKEWISE, WE CANNOT GUARANTEE THAT THE INFORMATION PROVIDED THROUGH THE FEATURE WILL BE CORRECT, TIMELY, UNINTERRUPTED, ACCURATE, ERROR FREE, OR UP TO DATE. YOU UNDERSTAND THAT THERE MIGHT BE INSTANCES WHEN YOUR PERSONAL INFORMATION IS EXPOSED ON THE DARK WEB BUT NO SUCH DATA IS OR BECOMES AVAILABLE TO US OR OUR SERVICE PROVIDERS. YOU AGREE TO USE THIS FEATURE AT YOUR OWN RISK.

  9. IDENTITY PROTECTION BENEFITS AND IDENTITY THEFT RECOVERY SERVICES

    1. Our identity theft restoration service is part of a comprehensive identity theft recovery package that offers a reimbursement of up to $1 million for identity recovery expenses. If you ever fall victim of identity theft and/or cyber extortion and want to claim reimbursement for eligible expenses or access an identity restoration case manager, you must file a claim with HSB, which we have partnered with, to provide you with the benefits.

    2. Identity Protection Benefits are currently available to all customers residing in the United States, including U.S. territories and the District of Columbia, with the exception of residents of New York and Washington. NordProtect is not a licensed insurance producer. Benefits under the Group Policy are issued and covered by HSB Specialty Insurance Company. You can find further details and exclusions in the summary of benefits.

    3. Your membership in the insured program is evidenced by the summary of benefits or other similar document that may be provided to you upon request. You acknowledge receipt of this information, consent to electronic document delivery, and agree to be bound by the terms, conditions, limitations, and exclusions of the Group Policy applicable to you.

  10. THIRD-PARTY PRODUCTS AND POLICIES

    1. We may offer or provide you access to products, services, or websites provided by third parties and websites that hyperlink to our website or to whom we hyperlink (collectively “Third-Party Content”). We do 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.

    2. 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. We have 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.

  11. LICENSE TERMS

    1. Limited License. Subject to the terms and conditions of these Terms and provided that you comply with the Terms, we grant you a limited, revocable, non-exclusive, personal, non-transferable, non-sublicensable, non-assignable, fixed-term license (“License”) to access and use the Services. No other right or license, express or implied, of any kind is granted to you hereunder with respect to the Services.

    2. We Retain All Rights. The Services used pursuant to these Terms is licensed, not sold, and you receive no title to or ownership of any copy of the Services and Website. You receive no rights to the Services other than those specifically granted in Section 11.1. We reserve all rights not expressly granted in these Terms and except as expressly granted in this Section, no right or license is granted by these Terms, express or implied or by way of estoppel, to any of our technology or intellectual property, including any modifications or enhancements thereto. We and/or our service providers retain all rights, titles, and interests in and to any Services and all copies and derivative works thereof, which rights include, but are not limited to, all intellectual property rights.

    3. Feedback. You hereby grant us and/or our affiliated companies a perpetual, irrevocable, worldwide license to use Feedback (as defined below) you communicate to us without reimbursement or compensation, without any obligation to report on such use, and without any other restriction. You waive (or agree not to enforce) any and all rights that may now or in future exist (including moral and equivalent rights) in Feedback. (“Feedback” refers to any recommendation, idea, proposal, suggestion, feedback, review, or other input related to our Services or Website).

    4. Restrictions. Except as expressly permitted under these Terms, you shall not yourself, nor shall you permit anyone else to: (i) reproduce, modify, translate, adapt, or create derivative works based upon the Services; (ii) reverse engineer, decode, decompile, disassemble, or otherwise attempt to access or derive the source code or architectural framework of the Service; (iii) access the Service for purposes of benchmarking or developing, marketing, selling, or distributing any product or service that competes with or includes features substantially similar to the Service; (iv) rent, lease, lend, sell, or sublicense the Services or otherwise provide access to the Services to any third party or as part of a service bureau or similar fee-for-service purpose; or (v) use the Services in any way that does not comply with these Terms and all applicable laws and regulations.

    5. Modification. You acknowledge and agree that we may at our sole discretion improve, modify, add, or remove functions or features to or from the Services from time to time, with or without giving notice to you.

  12. PROHIBITED AND RESTRICTED USE

    1. Your access to and use of the Services and Website is subject to the Terms and all applicable laws and regulations. We reserve the right, at any time, in our sole discretion, with or without notice, to suspend and/or terminate the Accounts and/or Services to any users who violate any applicable laws or these Terms, whether through repeated violation or a single instance. Please read more information in Section 16 (“Suspension and Termination”) of the Terms.

    2. You agree that you shall not yourself and/or enable others to:

      1. use the Services for any purpose other than identity theft protection and prevention and/or on behalf of someone else and/or grant access to or use the Services or your Account to any third parties;
      2. use the Services without identity verification/authentication and/or sufficient “written instructions” as described in the FCRA and/or bypass, circumvent or disable any access control;
      3. use or enable others to use credit data for any secondary or other purpose not provided in these Terms, including with respect to extending or offering credit to consumers or to make Firm Offers of Credit as defined in the FCRA;
      4. sell, rent, lease, distribute, redistribute, disclose, market, assign, sublicense, pledge, transfer, or otherwise commercially exploit or make available to any third party the Services, Subscription, and/or Account in any way;
      5. modify, translate, or create derivative works of the Service;
      6. interfere with or disrupt the integrity of performance of the Service/Website;
      7. use the Services for any unlawful or malicious activities;
      8. attempt to gain unauthorized access to the Services and/or Website;
      9. use the Services with any blockchain technology, reverse engineer, disassemble, decompile, translate, copy, reproduce, re-engineer; attempt to determine the variables or data elements that affect the features; seek to obtain or derive any source codes, underlying ideas, algorithms, file formats, or non-public application program interfaces; or otherwise create or attempt to create or permit, allow, or assist others to create or derive the source code, its structural framework, including any credit scores, or attempt to create a credit score or product to compete with, or be substitute for, any part of the Services;
      10. violate, infringe, or misappropriate NordProtect, our licensors and/or any other third parties’ copyright, other intellectual property rights, privacy, or other legal rights;
      11. transmit any viruses or other computer codes, files, programs, instructions, or technological means that disrupt, damage, or interfere with the use of computers or related systems;
      12. attempt to circumvent any technological measure and/or arrangement implemented by us and/or our licensors, or by the owner of the resource or the source of the material that the technological measure protects;
      13. take any action that imposes or may impose an unreasonable or disproportionately large load on our infrastructure;
      14. use any robot, spider, scraper, or other automated means to access our Website or Services for any purpose, or otherwise exceed reasonable use limits;
      15. build a product using similar ideas, features, functions, or graphics of the Service/Website or copy any ideas, features, functions, or graphics of the Services/Website;
      16. claim that you are the representative or agent of the Services, including any of its functionality;
      17. threaten, stalk, harm, or harass others, or promote bigotry or discrimination;
      18. attempt to gain unauthorized access to the Services, Accounts, computer systems, or networks connected to the Services through hacking, password mining, brute force, or any other means;
      19. violate general ethical or moral norms, good customs, and fair conduct norms;
      20. use the Services/Website for anything other than lawful purposes;
      21. consistently demonstrate unrespectful, threatening, offensive, and/or malicious behavior when communicating with our customer support and/or other employees;
      22. access and use the Services if you have been or are prohibited to access the Services, or if your Account has been suspended or terminated due to any reason;
      23. share nonpublic features or content of the Services with any third party;
      24. to the extent permitted under applicable law, otherwise violate or attempt to evade or circumvent these Terms.
    3. You also shall not take any action to jeopardize, limit, or interfere in any manner with our ownership and rights with respect to the Services. Except and to the extent that this is expressly permitted by applicable law and these Terms, you receive no right to and shall not yourself or enable others to: (i) reproduce, modify, create derivative works from, distribute, make available over network, publicly display, or publicly perform the Services or Website; (ii) reverse engineer, decompile, disassemble, decrypt the Services or Website, or make any attempt to derive the code, trade secrets, or other confidential information from the Services or Website; (iii) translate, adapt, arrange, or make any other alteration of the Services or Website, and reproduce the results thereof; (iv) transfer, distribute, lease, sublicense, or rent the Services or Website, and/or your rights granted under the License to any third party; (v) use the Services or Website in any manner that is not expressly permitted pursuant to the Terms; (vi) remove or modify markings or any notice of proprietary rights of the Services and/or Website.

    4. We use tools to identify prohibited activities and minimize abuse of our Services. These tools look for irregular patterns when new sessions are initiated, and if such patterns are noticed, it may result in Account suspension.

    5. It is your responsibility to comprehend the relevant laws related to any jurisdiction or venue that concerns you, your actions, and your use of the Services. You access and use the Services on your own initiative, and you are solely responsible for complying with your local laws and regulations and the laws and regulations of any state or territory with which or through which you use the Services, if and to the extent such laws are applicable.

    6. We encourage you to let us know about the violation of these Terms by any of our users or other third parties by contacting us (Section 19 [“Contact Us”] of these Terms). In case of such violations, we may take appropriate action at our sole discretion.

  13. GENERAL DISCLAIMER OF WARRANTIES

    1. Reasonable efforts are taken to improve the accuracy and integrity of the Services, but complex products are never wholly free from defects, errors, and bugs. We give no warranty or representation that the Services will be wholly free from defects, errors, and bugs, such as downtime, loss of data, corrupt data, service delay, mistakes, or out-of-date information. Notwithstanding any other provision of the Terms, we reserve the right to modify, suspend, or terminate access to the Services, or any functionality comprising a part of the Services at any time. In no event, to the extent permitted under applicable law, will we be liable for making these changes. In exceptional and very limited cases, our Services may be unavailable from time to time due to human, digital, mechanical, telecommunication, software, and other failures. We cannot predict or control when such downtime may occur and cannot control the duration of such downtime.

    2. THE SERVICES AND WEBSITE ARE PROVIDED “AS IS” AND WITH ALL FAULTS. WE MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER REGARDING THE COMPLETENESS, ACCURACY, ADEQUACY, SUITABILITY, FUNCTIONALITY, AVAILABILITY, OR OPERATION OF THE SERVICES. YOU ACKNOWLEDGE THAT WE DO NOT HAVE CONTROL OVER YOUR USE OF THE SERVICES, AND WE DO NOT WARRANT THE PERFORMANCE OR RESULTS THAT MAY BE OBTAINED THROUGH YOUR USE OF THE SERVICES. YOU ASSUME ALL RISKS AND RESPONSIBILITY FOR YOUR USE OF THE SERVICES AND FOR ANY LOSS OF OR ERRORS IN ANY DATA OR INFORMATION. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. WITHOUT LIMITING THE FOREGOING, WE NEITHER WARRANT NOR REPRESENT THAT YOUR USE OF THE SERVICES WILL NOT INFRINGE THE RIGHTS OF ANY THIRD PARTIES, NOR THAT THE SERVICES WILL BE AVAILABLE FOR YOUR ACCESS OR USE, NOR THAT OPERATION OF THE SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED. PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN ADDITION, YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM ONE JURISDICTION TO ANOTHER JURISDICTION.

  14. LIMITATION OF LIABILITY

    1. There are inherent risks in relying upon, using, transmitting, or retrieving any data and/or content on the internet, and we urge you to make sure you understand these risks before using the Services. We disclaim all responsibility for the behavior of our users and/or visitors when you access or use the Services/Website.

    2. YOUR USE OF THE SERVICES AND WEBSITE IS AT YOUR OWN RISK. NEITHER US, NOR ANY OF OUR PARENTS, SUBSIDIARIES, OR AFFILIATES, NOR ANY OF THEIR EMPLOYEES, OFFICERS, OR DIRECTORS, SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF DATA OR INFORMATION OF ANY KIND, LOSS OF BUSINESS, LOST PROFITS, INTERRUPTION OF BUSINESS, COST OF COVER, OR ANY OTHER DAMAGES) ARISING OUT OF OR IN ANY WAY RELATED TO THESE TERMS OR THE USE OR INABILITY TO USE THE SERVICES OR WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY CASE, THE TOTAL AGGREGATE LIABILITY OF NORDPROTECT ARISING OUT OF OR RELATING TO THESE TERMS SHALL NOT EXCEED WHAT YOU PAID TO US DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH LIABILITY AND SHALL NOT INCLUDE ATTORNEY FEES OR COURT COSTS IRRESPECTIVE OF ANY LAWS OR STATUTES THAT MAY PRESCRIBE OTHERWISE. YOU ACKNOWLEDGE THAT THE AMOUNT OF FEES PAYABLE BY YOU TO US HEREUNDER REFLECT THE ALLOCATION OF RISK SET FORTH IN THE TERMS AND THAT NORDPROTECT WOULD NOT HAVE ENTERED INTO THE AGREEMENT WITH YOU WITHOUT THE LIMITATIONS ON ITS LIABILITY CONTAINED IN THIS SECTION.

    3. Some jurisdictions restrict or do not allow the limitation of liability in contracts (e.g., limitation of liability for death or personal injury caused by another party’s negligence, fraud, or fraudulent misrepresentation, willful misconduct, or gross negligence). As a result, the respective provisions of this Section may not apply to you. In cases where such restrictions on the limitation of liability apply, the liability of NordProtect shall be limited to the fullest extent permitted by certain applicable law.

    4. Please also note that NordProtect has implemented security measures aimed at securing the Services and Website; nevertheless, the internet is not a secure network, and system reliability could be impaired independently of our efforts and will. In addition, we cannot be held liable for unpredictable events such as cyber attacks, security breaches regarding the transmission of data, or for performance guarantees regarding the volume and speed of data transmissions. Users are responsible for taking all appropriate measures to protect their own data, software, equipment, and systems, particularly from contamination by any viruses circulating on the internet.

  15. INDEMNIFICATION

    1. You agree, at your own expense, to indemnify, defend, and hold harmless NordProtect, its parents, subsidiaries, and affiliates and their officers, directors, employees, agents, distributors, and licensees from and against any judgments, losses, deficiencies, damages, liabilities, costs, claims, demands, suits, and expenses (including, without limitation, reasonable attorneys’ fees, expert witness fees, and expenses) incurred in, arising out of or in any way related to (i) your breach of these Terms; (ii) your (or any other user’s) use of the Services or your Account; (iii) your violation of any applicable laws, rules, and regulations; or (iv) your negligence or willful misconduct. We shall not be responsible for any delay or disruption to your use of the Services, including any damages stemming therefrom, caused by circumstances falling under this Section.
  16. SUSPENSION AND TERMINATION

    1. Suspension and Termination by Us. We may suspend (for clarification, investigation, or when requesting you to explain your actions) or terminate your Account and/or Services, if (i) we cannot charge you for the auto-renewed Subscription or if you breach any of your payment obligations to the Authorized Reseller; (ii) you breach Section 12 (“Prohibited and Restricted Use”) of the Terms; (iii) you breach any applicable laws; (iv) it is required to do so by law or competent authority (e.g., where the provision of the Services becomes unlawful in your state of residence, or final court judgment bearing relation to your use of our Services or Website is issued).

    2. If the situation warrants, we will give you a reasonable opportunity to fix the issue before suspending or terminating your Account and/or Services. However, if your Account has been suspended, you must contact us for further information. We may (but have no obligation to) suspend your Account for a reasonable period of time before we terminate it permanently.

    3. Usually, we will send you a prior notice before suspending or terminating your Account and/or Services. However, under limited circumstances we will be unable to send a notice to you prior to terminating your access to our Services if: (i) you are in material breach of Section 12 (“Prohibited and Restricted Use”) of the Terms or any applicable laws in such a way as to immediately and seriously endanger us and/or any other third party or cause disruption to our Services; (ii) we are unable to send you notice because you have not provided or properly updated your contact details; (iii) we are unable to notify you due to the requirements of law and/or orders of the authorities.

    4. Any suspension or termination of your Account and/or Services by us applies to you personally; you may not access our Services through any other Account that you own or create or through Accounts owned or created by others.

    5. Termination by You. You may terminate your Services contract and request a refund at any time as set forth in Section 6 (“Cancellation and Refund Policy”) of the Terms. For any Subscriptions purchased from an Authorized Reseller, please check the applicable termination and refund policy terms of the Authorized Reseller. More details on how to delete your Account can be found in our Privacy Policy.

    6. Effects on Suspension or Termination. Upon suspension or termination under these Terms, you will lose access and shall cease all use of the Services. Upon expiration of your Subscription or any termination under these Terms, the License granted in Section 11.1 of these Terms and any other licenses, if any, will immediately terminate without further notice from us. Therefore, you shall cease all use of the Services.

    7. Survival of Termination. Sections 11-17 of these Terms will survive termination or expiration of the Terms for any reason, as well as any other Sections of these Terms that, either explicitly or by their nature, must remain in effect even after termination or expiration of these Terms.

  17. GOVERNING LAW AND DISPUTE RESOLUTION

    1. Governing Law. These Terms and any dispute arising from your use of our Services shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions.

    2. Out-of-Court Resolution of Disputes. In the event of any controversy, claim, or dispute arising out of or relating to these Terms or your use of our Services, you agree to first attempt to resolve the matter amicably by contacting our customer service team at [email protected].

    3. Judicial Resolution of Disputes. If we are unable to reach an amicable resolution, you agree that the courts of the State of Arizona and the federal courts located in Phoenix, Arizona, shall have exclusive jurisdiction over and shall be the exclusive venue for resolving any and all disputes, claims, or controversies relating to these Terms or the Services provided under these Terms.

    4. BY AGREEING TO THESE TERMS OF SERVICE, YOU IRREVOCABLY SUBMIT TO THE EXCLUSIVE JURISDICTION AND VENUE OF SUCH COURTS FOR ANY LEGAL ACTIONS OR PROCEEDINGS AND WAIVE ANY OBJECTIONS TO SUCH JURISDICTION OR VENUE, INCLUDING ANY OBJECTION BASED ON THE INCONVENIENCE OF THE FORUM.

  18. MISCELLANEOUS

    1. Availability of Services. Accessibility and quality of Services may vary. We attempt to improve and provide Services at all times. However, our Services may be not available without a prior notice or NordProtect’s liability, including when: (i) we test, update, expand, add, or remove our Services, features, or functionalities, including those required to reflect changes in relevant laws and regulatory requirements; (ii) we experience temporary interruptions due to technical difficulties, maintenance, or human errors; (iii) events beyond our control (e.g., events in nature and other force majeure events) happen.

    2. Modification and Termination of Services. We reserve the right to modify or update the operation of the Services at our sole discretion, at any time, for any reason, and without notice or liability. We may also suspend the Services entirely, in which event we will notify you in advance unless extenuating circumstances, such as safety or security concerns, prevent us from doing so. If you have prepaid fees directly to us for a paid Subscription that we permanently discontinue prior to the end of its period, we will refund you pro rata such prepaid fees for the period after such discontinuation (except for cases referred to in Section 16.1 of these Terms), and in such case your Account and billing information must be up to date in order for us to refund you. We have no liability to you, nor any obligation to provide a refund to you, in connection with internet or other service outages or failures that are caused by the actions of the authorities, other third parties, or events beyond our control.

    3. 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.

    4. Assignment. You may not assign these Terms or any rights or interest under these Terms or delegate any obligations to be performed under these Terms, without prior written consent from us. We may assign, transfer, or delegate any of our rights and obligations under these Terms to selected third parties without your consent, including but not limited to, in cases of corporate reorganization, merger, acquisitions, sale, or transfer of all or substantially all of company assets. Notification on any material changes that affect your rights or obligations will be provided to you by reasonable means (e.g., via email).

    5. Data Charges. You are responsible for any charges that may apply to your use of our Services or Website, including text messaging and data charges if you access or use the Services or Website on your mobile or other device. If you’re unsure what those charges may be, you should ask your mobile operator, internet, or other service provider before using the Services/Website.

    6. Third-Party Components. You acknowledge that our Services and Website may incorporate, embed, be combined with, or otherwise interact with third party computer programs, applications, services, links, and components (“Third-Party Components”). For the avoidance of doubt, Sections 7.9, 8.5, 12, and 13 of these Terms apply to the foregoing interaction with Third-Party Components. Where our Website contains links to other websites and/or resources provided by third parties, which include third-party social media websites such as Facebook, Instagram, and LinkedIn, they are provided for your information only. Please review the third-party website’s terms of use and other policies carefully and make sure you understand them before you engage in any transaction.

    7. Linking to our Website. You may link to our Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.

    8. Communication with Us. You may provide notices, requests, information, and other communication to us via our customer support at [email protected]. You agree to receive communication from us electronically, e.g., by email, through our applications, and customer support platforms, and consent that such notifications have the same legal power as communication in writing. We may communicate to you in order to advise you about provision, changes, or additions to the Services or for other purposes that are reasonable or required by applicable law. When communicating with our customer support representatives, you agree to be respectful and kind. In addition, you undertake to provide accurate data for communication with us and, if your contact details have changed, update them in your Account immediately. We are not liable if you do not receive certain notices regarding the Services upon your failure to update your contact details.

    9. Internet Connection. Our Services may require an active and stable connection to the internet in order to function. It is therefore your responsibility to ensure that you have at all times an active and stable internet connection.

    10. Export Laws. 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: (i) prior written consent from us; (ii) complying with any applicable export control laws; and (iii) 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 “Restricted Information”). If we, in our sole discretion, determine that we cannot implement the Services in a manner to exclude access to Restricted 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.

    11. Exclusions. Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential or incidental damages, so some limitations above may not apply to you.

    12. 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,” and similar terms are deemed not to limit what else might be included.

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

    14. Trademarks and Copyright. NordProtect is a protected trademark owned by our companies, and you are forbidden from registration, adoption, or any other use of trademarks, trade names, symbols, or signs that are either identical or confusingly similar to any trademarks owned by us. The following are trademarks of third parties: VantageScore is a registered trademark of VantageScore, LLC; Equifax is a registered trademark of Equifax, Inc.; Experian is a registered trademark of Experian, Inc.; TransUnion is a registered trademark of TransUnion, LLC; and other trademarks are trademarks of their respective owners. All aspects of the Services and their content, features, and functionality are owned by us, our licensors, or other content suppliers, and are protected by copyright and other intellectual property laws. See Section 11 (“License Terms”) of these Terms for more details of the limited license under which you are permitted to use the Services.

    15. Force Majeure. We shall not be in breach of the Terms nor liable for delay in performing, or failing to perform, any obligations under these Terms if such delay or failure result from unforeseen circumstances, events, or causes beyond our reasonable control (including, without limitation, failures of third party software (whether open or not), failures of your telecommunication or internet service providers, force majeure, earthquakes, fires, floods, embargoes, labor disputes and strikes, riots, war, novelty of product manufacture or other unanticipated product development problems, and acts of civil and military authorities). In such cases, we shall be entitled to a reasonable extension of the time for performing any such obligations under the Terms.

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

    17. No Reliance. The parties acknowledge that no reliance is placed on any representation made but not expressly contained in these Terms.

  19. CONTACT US

    1. If you have questions regarding the Terms, please contact us at [email protected].