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Terms & Conditions

Please print the Fifth Third Identity Alert PremiumŪ Terms and Conditions for your records.

Affinion Benefits Group, LLC & Financial Services Association are both separate entities of and not affiliates of Fifth Third Bank.

1. THIRD PARTY PROVIDERS - In order to make available the Service, Fifth Third has contracted with third party service providers, including, without limitation, Affinion Benefits Group, LLC to perform on behalf of Fifth Third under this Agreement and to deliver the Services directly to You. Fifth Third reserves the right to change any service provider at any time. If we change the provider of the Service from Affinion Benefits Group, LLC to a different third party service provider we will notify You in writing. Affinion Benefits Group, LLC, and any other third party service provider designated by Fifth Third in addition to or in replacement thereof, are collectively referred to herein as "Provider."

2. SERVICE - (a) By enrolling in the FTIA service, You are automatically admitted as a member of Financial Services Association ("FSA"). The FTIA service will enable You to access a copy of your Credit Report* from the three major credit reporting agencies, forms and toll-free phone numbers to assist You in answering credit report-related questions, single-bureau Daily Credit Monitoring**, a copy of your CreditXpert® Credit Scores***, Quarterly 'no-hit' notification, Identity Theft Insurance coverage†, a Card and Important Document Registration and Lost and Stolen Card service††. (b) As a member of the FTIA service, You will also receive daily monitoring of public databases of your Social Security Number, up to ten bank accounts and up to ten of your credit/debit cards registered with the FTIA service†††; and access to an identity fraud support service (the benefits described in this Section 2(b) are collectively referred to herein as the "Account Holder Benefits"). (c) Fifth Third reserves the right to change or modify the terms and conditions of this Agreement and FTIA at any time without notice, and You agree to comply with such changes or modifications. Fifth Third may cancel this Agreement upon written notice and refund to You the current term's membership fee unless the reason for such cancellation is your failure to pay or your misuse of the FTIA service. (d) Any or all of the FTIA benefits are provided by third parties ("Subcontractors"), unaffiliated with us, whose respective terms and conditions will govern to the extent they are not inconsistent with these Terms.

3. WHO MAY USE; RESTRICTIONS ON USE - (a) The FTIA service is non-transferable. Accordingly, You agree that You will use FTIA only for your own behalf and that You will be the end user of the information provided by FTIA. You further acknowledge and agree that You shall use the Monitoring Benefit solely for the purpose of obtaining a report on your own public records as described herein according to the terms and conditions of this Agreement. Without limiting the foregoing, You agree not to use FTIA for consumer credit purposes, consumer insurance underwriting, employment purposes, tenant screening purposes, or for any other purpose(s) covered by the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.) or similar state statute. You acknowledge that this Agreement grants You a limited license in exchange for payment of the fees and charges for FTIA, and You shall not reproduce, retransmit, republish or otherwise transfer for commercial purpose any information that You receive from FTIA. You agree to limit use and dissemination of information from FTIA solely to the uses set forth herein. In order to access the information, You will be provided your own membership number. You will be responsible for all use of your membership number and must notify us immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number. The FTIA service may not be used for business or commercial purposes. You acknowledge and understand that Fifth Third and Provider will only allow You to access FTIA if You meet and continue to meet the standards described herein.

(b) You understand that by enrolling in the FTIA service, You are providing "written instructions" in accordance with the federal Fair Credit Reporting Act, as amended ("FCRA"), for Affinion Benefits Group and its service providers, which may include ConsumerInfo.com, Inc. ("CIC"), to obtain information from your personal credit profile from Experian, Equifax, and TransUnion, the three major credit reporting agencies. You authorize Affinion Benefits Group and its service providers to use your Social Security number to access your personal credit profile, to verify your identity, and to provide credit monitoring, reporting and scoring products.

4. LIABILITY - YOU ACCEPT ALL INFORMATION RECEIVED THROUGH FTIA "AS IS." NEITHER PROVIDER, FIFTH THIRD, FSA, CIC, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS SHALL HAVE ANY LIABILITY TO YOU AS AN AGENT IN OBTAINING COPIES OF YOUR PERSONAL CREDIT REPORT OR YOUR CREDIT ALERT REPORT, IN PROVIDING YOU WITH YOUR MONITORING ALERT REPORT OR FOR ANY DEFECTIVE PRODUCTS PROVIDED TO YOU IN CONNECTION WITH THE FTIA SERVICE. NEITHER PROVIDER, FIFTH THIRD, FSA, CIC, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, FOR THE ACCURACY, COMPLETENESS, CORRECTNESS, CURRENTNESS, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF FTIA OR THE COMPONENTS THEREOF, INCLUDING, WITHOUT LIMITATION, THE INFORMATION CONTAINED IN OR PROVIDED IN CONJUNCTION WITH FTIA. NEITHER PROVIDER, FIFTH THIRD, FSA, CIC, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS ASSUME ANY LIABILITY FOR DAMAGES, DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL, IN CONNECTION WITH THE PERFORMANCE OF THE FTIA SERVICE OR YOUR REQUEST, USE OR ATTEMPTED USE OF THE FTIA SERVICE. NEITHER PROVIDER, FIFTH THIRD, FSA, CIC, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUBCONTRACTORS ARE RESPONSIBLE FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY REPORTS YOU RECEIVE AS PART OF THE FTIA SERVICE. THE AGGREGATE LIABILITY OF ALL SUCH PARTIES TO YOU IN ANY EVENT IS LIMITED TO THE AMOUNT WHICH YOU HAVE PAID PROVIDER OR FIFTH THIRD FOR YOUR MEMBERSHIP. FTIA IS NOT A CREDIT COUNSELING SERVICE AND DOES NOT PROMISE TO HELP YOU OBTAIN A LOAN OR IMPROVE YOUR CREDIT RECORD, HISTORY, OR RATING. THE TERMS OF THIS SECTION SHALL SURVIVE ANY TERMINATION, CANCELLATION OR EXPIRATION OF THIS AGREEMENT.

5. GOVERNING LAW - This Agreement, and the respective rights and obligations of the parties hereunder, shall be governed by, and construed in accordance with, the laws of the State of Connecticut. The terms of this Section shall survive any termination, cancellation or expiration of this Agreement.

6. MANDATORY ARBITRATION - You, on the one hand, and Fifth Third and/or CIC, on the other, agree that any claim or dispute ("Claim") between us shall, at the election of any one of us, be resolved by binding arbitration administered by the American Arbitration Association under its rules for consumer arbitrations. It is the parties' intent that this arbitration provision be construed broadly, including that this arbitration agreement include any Claims by you against Fifth Third or CIC as well as their corporate affiliates. You agree that, by entering into this Agreement, You and Fifth Third and CIC are each waiving the right to a trial by jury or to participate in a class action. At your request, we will pay the first $125 of your arbitration fees. You will be solely responsible for your arbitration fees and costs in excess of $125. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual Claim. YOU, ON THE ONE HAND, AND FIFTH THIRD AND/OR CIC, ON THE OTHER, AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both You and Fifth Third agree otherwise, the arbitrator may not consolidate more than one person's Claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision in the preceding sentence is found to be unenforceable then the entirety of this arbitration provision in Section 6 shall be null and void. If the specific provision in the preceding sentence is found to be unenforceable then the entirety of this arbitration provision in this Section 6 shall be null and void. Notwithstanding the foregoing, either party may bring an individual action in small claims court. The parties to this Agreement acknowledge that this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. ("FAA"). Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow substantive law to the extent consistent with the FAA and shall honor any claims or privileges recognized by law. The terms of this Section 6 shall survive any termination, cancellation or expiration of this Agreement.

7. MISUSE OF FTIA OR INFORMATION - You agree to take appropriate measures so as to protect against the misuse of FTIA. You agree that Fifth Third or Provider may, if either is concerned about your use, temporarily suspend your access for up to ten (10) business days pending an investigation of use. You agree to cooperate fully with any and all investigations. If misuse is confirmed through investigation, Fifth Third or Provider may immediately terminate this Agreement.

8. AUDIT - You understand and agree that in order to ensure compliance with applicable laws, Fifth Third or Provider will conduct periodic reviews of your activity and may, on a random basis, contact You to review completed searches. You agree to reasonably cooperate with any and all such reviews. Violations discovered in any review by Fifth Third or Provider will be subject to immediate action including, but not limited to, termination of this Agreement.

9. INDEMNIFICATION - You agree to indemnify and hold Fifth Third, their subcontractors (including Provider), FSA, and their respective parents, subsidiaries, affiliates, officers, directors, and employees harmless from any claim, damage, demand, expense, liability, or loss, including reasonable attorneys' fees, incurred by such party arising out of or relating to your unauthorized use of the FTIA service or your violation of these Terms. The terms of this Section shall survive any termination, cancellation or expiration of this Agreement.

10. MEMBERSHIP FEE - For your convenience, Fifth Third Bank, its successors and or assigns will bill the designated billing source for the then current monthly fee for the Identity Alert Program you have selected. Any discounts you are eligible for are subject to your banking relationship at Fifth Third and the greatest discount you are then eligible for will be applied to each bill monthly. You will be billed in arrears each month for the prior month's services beginning one month from the date of enrollment and each month thereafter as long as you are enrolled in the product. If your billing date falls on a non-business day for the month, you will be charged on the business day prior. Failed/returned payment may be subject to overdraft and/or returned item fees as outlined through Fifth Third Bank Rules and Regulations provided at billing account opening. Failure to make payment for two consecutive billing months will lead to the closure of the Identity Alert account.

11. RENEWALS - Unless You notify Fifth Third that You do not wish to renew your membership, we will automatically renew your membership at the end of each month and bill the renewal fee to your designated billing source.

12. RIGHT TO CANCEL MEMBERSHIP - You have the right to terminate this Agreement at any time. You may cancel this Agreement by visiting a local Fifth Third banking center or calling 800-972-3030. Cancel this Agreement and you will owe nothing further. You will remain responsible for any other fees or charges to be paid pursuant to this Agreement. For questions on your membership account details, please contact us at 800-972-3030 or visit a local banking center.

13. ELECTRONIC COMMUNICATIONS - Fifth Third or Provider, at their option, may communicate with You regarding the Fifth Third Identity Alert PremiumŪ service by mail, by telephone or by electronic communications. Fifth Third or Provider may communicate with You electronically by means of electronic mail to the email address You provide when You sign up for the Fifth Third Identity Alert PremiumŪ service and/or by postings to the Fifth Third Identity Alert PremiumŪ service website. Fifth Third or Provider may communicate electronically to You the following types of communications: Fifth Third Identity Alert PremiumŪ Terms and Conditions (including any amendments thereto), notices or disclosures regarding the Fifth Third Identity Alert PremiumŪ service, payment and billing authorizations, and other matters relating to your use of the Fifth Third Identity Alert PremiumŪ service.

You may contact Provider by telephone at 800-972-3030 or by writing to Fifth Third Identity Alert PremiumŪ Provider at P.O. Box 41249, Nashville, TN 37204-1249, to request another electronic copy of an electronic communication without a fee. You may also request a paper copy of the terms of the payment authorization without fee. You may contact Provider at the same telephone number listed above or by email at service@53identityalert.com to update your contact information or to withdraw your consent to receive electronic communications. Fifth Third or Provider reserve the right to terminate your use of the Fifth Third Identity Alert PremiumŪ service if You decline or withdraw your consent to receive electronic communications from ABG, LLC.

14. AGREEMENT ENTIRETY - This Agreement, as may be amended from time to time, sets forth the entire understanding and agreement between Fifth Third and You regarding the subject matter herein and supersedes any prior or contemporaneous oral or written agreements or representations.

*Fifth Third Identity Alert PremiumŪ, Financial Services Association, or their service providers as applicable, and their credit information subcontractors shall not have any liability for the accuracy of the information contained in your credit reports, credit scores, or monitoring reports which You receive in connection with the Fifth Third Identity Alert PremiumŪ service, including liability for damages, direct or indirect, consequential or incidental.

**Daily monitoring will notify You of certain new inquiries, certain derogatory information, accounts, public records or change of address that have been added to your credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then You will receive a quarterly notification stating that no information has changed within your credit file.

***Your CreditXpert® Scores™ are provided by CreditXpert Inc. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help You understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores You receive directly from those agencies or from other sources.

†The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of the program, through Financial Services Association (FSA or the "Association"). Upon enrollment in the program, you will automatically be admitted as a member of the Association. Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc., under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. All exclusions and limitations of the master policy apply. See the Benefit Summary for details regarding such exclusions and limitations. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

††Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.

†††Fifth Third Identity Alert PremiumŪ monitors up to ten registered credit/debit cards, up to ten registered bank accounts, and one Social Security number on the Internet, based on extensive research of Internet chat rooms; however, it is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

The federal Fair Credit Billing Act gives You the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to You. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected. Your liability for unauthorized charges is limited to $50 per credit card. You are not required to enroll in Fifth Third Identity Alert PremiumŪ to maintain your credit card.

The benefits in Fifth Third Identity Alert PremiumŪ are provided by Fifth Third's vendor, Affinion Benefits Group, LLC. The Fifth Third Identity Alert PremiumŪ service may be modified or improved at any time and without prior notice. Fifth Third Identity Alert PremiumŪ is a registered service mark of Fifth Third Bancorp.

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