Identity Restoration

Account Fee

Beginning the last day of the month you join Fort Financial, a monthly account fee of $0.95 will be added to your primary share account to offset costs of these services. You will see this account fee reflected on your statement as “ID SafeChoice Fee.” If you have any questions about the fee or wish to cancel this account, please call 260.432.1561.

Identity Theft Expense Reimbursement Insurance

This added protection is available to cover out-of-pocket expenses incurred during the identity recovery process, up to a maximum of $10,000.*

Additional Protection

You have the option to purchase additional identity fraud protection services. These packages are available for all members, including those who may not already have identity fraud protection available through Fort Financial Credit Union. Available additional services include:

• Fully-managed identity recovery
• Credit monitoring
• Credit report and score
• Additional expense reimbursement insurance

Visit https://fortfinancialcu.merchantsinfo.com for more information and to purchase one of the available packages today.

1. Your eligibility for the Identity Theft Recovery Services (“Services”) is based on owning a Fort Financial share account (“Covered Account”). You have NOT been registered with a third party and no consumer information was used for the implementation or management of these Services.
2. Services are extended to accountholders at the discretion of Fort Financial Credit Union (FFCU) and may be cancelled upon 30 days’ notice to the accountholder. You are entitled to the Services only while you own a Covered Account or you otherwise meet the eligibility requirements established by FFCU.
3. There is no fee for using the Services; however, the account to which the Services is attached, or other designated account, may have a monthly fee, based on the provisions of the agreement that you have with FFCU.
4. Services extend to all named accountholders of the Covered Accounts, plus their spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household and parents living at the same address as the accountholder, or living in hospice, assisted living or nursing home. All eligible family members are covered for up to 12 months after death.
5. Services are non-transferable, non-cancelable (except in the event of termination of the Group Plan) and have no cash equivalent.
6. The Services include reimbursement for expenses incurred in identity theft recovery up to the limit of $10,000. Refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information.
7. The Services may assist in seeking reimbursement for funds stolen in the identity theft incident, and/or providing assistance for filing a claim for insurance, but do not provide a guarantee of reimbursement for financial losses of any kind arising from the identity theft incident.
8. All partners make no express, implied or statutory representations, warranties, or guarantees in connection with the services, relating to the quality, suitability, truth, accuracy or completeness of any information or materials contained or presented in the services, nor implied warranties arising out of course of performance, course of usage, or otherwise in connection with any service or solution.
9. All partners do not warrant that the services shall operate error-free or uninterrupted. To the maximum extent permitted by applicable law, the services, and any information or material contained or presented through the services, are provided to you on an “as is,” “as available” and “where-is” basis with no warranty of merchantability, fitness for a particular purpose, or non-infringement of third-party rights. All partners do not offer any warranty of any kind regarding third party data, software, systems or other technology.
10. Eligibility for the Services is based on identity theft events that are discovered and reported to FFCU on or after the effective date of the Services.
11. Identity theft is defined as fraud that involves the use of any combination of a consumer’s name, address, date of birth, Social Security number, bank or credit/debit card account number or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.
12. FFCU and/or its service provider of the identity theft recovery services cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
13. Services may be refused or terminated if it is deemed that the accountholder or eligible family member is committing fraud or other illegal acts, making untrue statements or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.
14. THE SERVICES DO NOT INCLUDE CREDIT COUNSELING OR REPAIR TO CREDIT THAT HAS NOT BEEN AFFECTED BY FRAUD OR IDENTITY THEFT.
15. The Services are only available to residents of the United States. Identity recovery is only performed with agencies and institutions in the U.S., or territories where U.S. law applies.