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If you wish to contact Equifax, Experian or TransUnion to obtain a copy of your consumer report directly from such agency or if you wish to dispute information contained in an Equifax, Experian or TransUnion credit report file, please contact such entities as follows:. Additional Disclaimers of Warranties and Limitation of Liability. Below are additional warranties and limitations of liability applicable to our Identity Protection Services:.

We are not a credit repair organization, or similarly regulated organization under other applicable laws, and do not provide credit repair advice. Our credit monitoring offerings monitor only the credit file associated with the purchasing consumer, and do not monitor, compare or cross-reference the credit file associated with the purchasing consumer to any other credit file s maintained by the applicable credit bureau s. Credit scores, reports, and credit monitoring may require an additional verification process and credit services will be withheld until such process is complete.

A reduced service fee will be charged until you verify your identity. The Vantage Score credit scores are Vantage Score 3. Third parties may use a different Vantage Score or a different type of credit score to assess your creditworthiness. You represent and warrant to us that you will use Identity Protection Services and any of the information therein to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities, and not for any other purpose. We are not responsible for delay or failure to perform due to causes beyond our reasonable control.

A free subscription to Identity Protection Services is valid for one year from the date of sign-up. Agreement to Arbitrate Disputes. Subject only to the Small Claims Court Option described below in this section, any claim, dispute or controversy of any kind, regardless of the type of claim or legal theory or remedy "Claim" by either you or us against the other arising from, relating to or in any way concerning the Agreement, the Software, or Services shall be resolved by confidential binding arbitration.

This agreement to arbitrate includes, but is not limited to: Notice of Dispute. The party seeking arbitration must first notify the other party of the dispute in writing at least 60 days in advance of initiating arbitration. Legal Department. The notice must include your name, address, and contact information, the facts giving rise to the dispute, and the relief requested. You and we will use reasonable efforts to resolve any dispute through informal negotiation within 60 days from the date the notice of dispute is sent.

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After 60 days, you or we may commence arbitration. Notwithstanding these notice obligations, any demand for arbitration must be made by you or us within the statute of limitations that is applicable to the Claim s upon which arbitration is sought or required. These notice obligations do not modify the statute of limitations that is applicable to any Claim s. Administration of Arbitration. If any dispute is not resolved by informal negotiation, any claim, dispute, or controversy will be, at the demand of either party, conducted exclusively by binding arbitration governed by the Federal Arbitration Act "FAA" , and not state law.

Instead, all disputes will be resolved on an individual basis before a single, neutral arbitrator and the proceeding will be confidential. The arbitrator is bound by the terms of this Agreement, and the arbitration will be governed by the Commercial Arbitration Rules or Consumer Arbitration Rules of the AAA, as applicable, as modified by this Agreement the "Arbitration Rules". For more information, see adr. All arbitration proceedings will be conducted in English, and the United States FAA will govern the interpretation, enforcement, and proceedings pursuant to the binding arbitration clause in this Agreement.

The award will be confidential and only disclosed as is necessary to obtain judgment or as otherwise required by law. You and we further agree that a judgment may be entered upon the award by any court having jurisdiction. The arbitration award will determine the rights and obligations between the named parties only, and only in respect to the claims in arbitration, and will not have any bearing on the rights and obligations of any other dispute.

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The party initiating the arbitration will pay the initial filing fee. If you file the arbitration and an award is rendered in your favor, we will reimburse your filing fee. We will pay the fees and costs for the first day of any hearing. All other fees and costs will be allocated in accordance with the arbitration rules. However, we will advance or reimburse filing and other fees if the arbitrator rules that you cannot afford to pay them or if you ask us and we determine there is a good reason for doing so.

Each party will bear the expense of their respective attorneys, experts, and witnesses and other expenses, regardless of who prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines. Small Claims Court Option. Nothing herein will be deemed to limit or constrain our right to resort to self-help remedies or to comply with legal process, or to obtain provisional remedies such as injunctive relief, attachment, or garnishment by a court having appropriate jurisdiction; provided, however, that we may elect to arbitrate any dispute related to such provisional remedies.

Conflicting Terms. In the event of a conflict between the Arbitration Rules and this arbitration agreement, this arbitration agreement will govern. If any portion of this arbitration agreement is deemed invalid or unenforceable, it will not invalidate the other provisions of the arbitration agreement; provided, however, that a if the prohibition on class-wide arbitration is deemed invalid, then this entire arbitration agreement will be null and void; and b if the prohibition on arbitration of representative claims brought in a private attorney general capacity is deemed invalid, then the arbitration agreement will be null and void as to such claims only.

This arbitration agreement will survive the termination or cancellation of this Agreement. In the event of a conflict between this arbitration agreement and any other applicable arbitration provision, this arbitration agreement will control. This paragraph in no way invalidates the Agreement to Arbitrate Disputes. We are not obligated to use ADR should you have a complaint with us. If you do have a complaint with us which we cannot resolve using our internal complaints handling procedures, we will contact you by letter or email about whether we are prepared to submit to ADR.

You may contact us through our website. Law Covering This Agreement. Except as provided in the Local Law Section below, this Agreement, the use of the Software and Services, the relationship of the parties, and any disputes arising out of, concerning, or relating to the Agreement, including any disputes between you and us, will be governed by and construed in accordance with the laws of the state of New York, excluding its conflict of law principles, except that the FAA governs all provisions relating to arbitration.

If for any reason, the laws of the state of New York are found not to apply, then, except as provided in the Local Law Section below, this Agreement, the use of the Software, Services, the relationship of the parties, and any disputes arising out of, concerning, or relating to the Agreement, including any disputes between you and us, will be governed by and construed in accordance with the laws of the state of Delaware, excluding its conflict of law principles, except that the FAA governs all provisions relating to arbitration.

Attacks on Data. You acknowledge that some security breaches involve attacks on data. For example, there are viruses and other malware that: The best way for you to protect yourself from these types of attacks is frequent back-ups of your data to another device or location. That way, you have another copy of the data that the attacking software has deleted, modified, or destroyed. While we will use commercially reasonable efforts to remove the attacking malware or virus, it is your sole and exclusive responsibility to back-up all data and files on your device so that they can be restored in the event of an attack on your data.

Without such a back-up, it may not be possible to restore the deleted, destroyed, or modified data. We will have no liability for loss of or recovery of data, or files or loss of use of systems or networks arising from attacks on data. Limited Warranty. For 30 days after the purchase date "Warranty Period" , for paid versions of the Software only, we warrant that the Software licensed under this Agreement including updates provided during the Warranty Period but not for updates provided outside of the Warranty Period will perform substantially in accordance with the documentation provided by us in connection with that Software at the time of purchase, and that any tangible medium such as a CD-ROM, but excluding devices manufactured by other companies on which the Software is contained and provided to you will be free from defects in materials and workmanship.

We do not warrant or guarantee that any particular mobile device or computer will be compatible with or function with the Software or Service, nor do we warrant or accept any liability for the operation of your personal equipment that is used to access the Software or Service. These remedies may not be available in some countries to the extent that we are subject to restrictions under applicable export-control laws and regulations. If the tangible medium is defective, you must return it at your expense to the place where you bought it and provide a copy of your receipt.

Any replacement medium will be warranted for the remainder of the original Warranty Period. High Risk Activities. The Software and Services are not fault-tolerant and are not designed or intended for high-risk activities such as use in hazardous environments requiring failsafe performance, including nuclear-facilities operations, air traffic communication systems, weapons systems, direct life-support machines, or any other application in which the failure of the Software or Services could lead directly to death, personal injury, or severe physical or property damage.

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We expressly disclaim any express or implied warranty of fitness for high-risk activities. Limitation of Liability.

You agree to the limitations of liability in this Section and acknowledge that without your agreement to this term, the fee charged for the Software would be higher. Nothing in this Agreement limits any rights you may have under existing consumer-protection statutes or other applicable laws that may not be waived by contract in your jurisdiction. Export Control. The Software is subject to export controls under the U. You agree that you will not directly or indirectly export, transmit, permit access or use the Software or Services and its related documentation, including technical data, in any country to which export, transmission or access is restricted by regulation, statute, or other law, without any required authorization of the Bureau of Industry and Security of the U.

Department of Commerce or any other governmental entity that may have jurisdiction over export or transmission. Export to a particular individual, entity, or country may be prohibited by law. If McAfee receives notice that a user is or becomes identified as a sanctioned or restricted party under applicable law, McAfee will not be obligated to perform any of its obligations under this Agreement if such performance would result in violation of the sanctions or restrictions. Additional Information about restricted parties can be found at the following websites: Additional information regarding exporting and importing McAfee Products may be found on the McAfee "Export Compliance" webpage, https: Third Party Programs.

Some third-party materials included with the Software or Services may be subject to other terms and conditions, which are typically found in a "Read Me" or an "About" file accompanying the Software or Services. Those third-party materials may include software source code licensed by third parties under one or more open-source or free-software licenses, including the GNU General Public License, which are considered "Open Source Software.

If an Open Source Software license requires us to distribute any source code related to the Software or Services or any modifications to the Software or Services, we will make the source code available on request. No Waiver. We do not waive any provision of this Agreement unless we waive it in a signed writing. Complete Agreement. This Agreement constitutes the entire agreement between you and us and governs your use of the Software and Services acquired hereunder.

This Agreement supersedes any prior agreements between you and us in relation to the Software and any Services, and any other communications, representations, or advertising relating to the Software or Services. Licensing Entities. The Software and Services are licensed to you by one of these legal entities:. McAfee Co. Local Law. The subsections below contain information regarding the local laws of certain jurisdictions that will apply to this Agreement and may supersede certain provisions as referenced herein. The benefits to you under the limited warranties are in addition to other rights and remedies you may have under a law in relation to the goods or services to which the warranty relates.

You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure. This warranty is made by McAfee Ireland Limited, with offices located at Building City Gate, Mahon, Cork, Ireland, but you may call with questions regarding our warranty for Australian customers. Any claims made under this warranty must be sent, at your expense, to the following address:.

For customers located in Australia, if a tangible medium on which Software was delivered is defective, you must return the defective medium to us at your expense, with a copy of your receipt, within 14 days of discovering the defect. We will notify you of receipt within 14 days of receiving it. If you acquired the Software or Services in Canada, unless expressly prohibited by local law, then this Agreement, the use of the Software and Services, the relationship of the parties, and any disputes arising out of, concerning, or relating to the Agreement, including any disputes between you and us, will be governed by and construed in accordance with the laws in force in the Province of Ontario, Canada.