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WHAT IS IDENTITY THEFT?
 

Identity theft is a crime that occurs when someone steals your personal information and uses it to commit fraud or other crimes. It often begins with the theft of a Social Security number, credit card number, debit card or phone card.


WHAT IS TheftSmart®?
 

ID TheftSmart is a package of services which provides the following benefits to help consumers avoid identity theft and assist them if it does occur:

  • Information:ID TheftSmart provides general information to help you avoid identity theft and recognize some of the tell-tale signs that it may have occurred.


  • Credit Reports:ID TheftSmart provides you with a copy of your credit report (with interpretation) from Experian.


  • Continuous Credit Monitoring: ID TheftSmart also provides ongoing monitoring of your credit file. You will be notified of new inquiries, new trade lines, derogatory information, public records and change of address. You will be notified of activity that occurs on your credit file when it is reported to Experian. This means that inquiries made to your credit file, authorized or not, will be reported back to the you.


  • Restoration Service: With ID TheftSmart, if you think that you have become a victim of identity theft, you have access to a professional, licensed investigator who will guide you through the restoration process providing information, forms and assistance. If desired, the investigator will perform most of the work on your behalf by obtaining a limited power of attorney from you.


  • Non-Credit Searches: As an ID TheftSmart member, searches of applicable local and national databases will be made on your behalf during restoration to look for non-credit information you may not be aware of, including:
    • Criminal activity in your name in your county's records and certain federal watch lists
    • Department of Motor Vehicle records in your state
    • Unknown addresses affiliated with your name
    • Banking activity in your name reported as fraudulent


HOW MUCH DOES IT COST?
 

You can lock in all your ID TheftSmart safeguards, plus your credit report, credit score and analysis, for just $9.95 per month. Or, enroll yourself and your spouse for just $14.90 per month.

Monthly payments may be set up thorough credit card or by an electronic funds transfer Call 1-800-637-8318 with any questions.


WHO PROVIDES THE IDENTISAFE BENEFITS?
 

Real Estate Cyberspace Society has partnered with Kroll, Inc. and Marsh, Inc. to provide you with ID TheftSmart. Kroll Background America is the service provider, and Marsh provides administrative support.

Kroll: Kroll is the world's leading risk consulting company. For more than 30 years, Kroll has helped companies, government agencies and individuals reduce their exposure to risk and capitalize on business opportunities. Kroll's clients include many of the world's largest and most prestigious corporations, law firms, academic institutions, non-profit organizations, sovereign governments and high net-worth individuals, entertainers and celebrities. Kroll is an operating unit of Marsh & McLennan Companies, Inc. (MMC), a global professional-services firm with approximately 60,000 employees and annual revenues exceeding $12 billion.

Marsh: Marsh, the world's leading risk and insurance services firm with over 100 years of industry experience, Marsh provides global risk management, risk consulting, insurance broking, financial solutions, and insurance program management services for businesses, public entities, associations, professional services organizations, and private clients in over 100 countries. Marsh, Inc. is also an operating unit of Marsh & McLennan Companies, Inc. Marsh currently has nearly 30,000 employees and annual revenues exceeding $5 billion.



WHAT ARE THE ID THEFTSMART EXCLUSIONS?
 

Family Member: Any Stolen Identity Event of which a spouse or child participated in, directed or had prior knowledge.

Dishonest Acts: Any dishonest, criminal malicious or fraudulent acts, if the ID TheftSmart member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts.

Pre-Existing Stolen Identity Event Limitations: Restoration Services will not be provided to members for a pre-existing Stolen Identity Event based on information provided to them prior to enrollment in the Program.

Financial Loss: Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct.

Membership Status: Restoration Services, for both new and in-process cases, will only be provided to ID TheftSmart members who are in an active paid status.

Business Activities: A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a, or any other method of identifying your business activity.


WHO SHOULD WE CALL WITH QUESTIONS?
 


Or For Enrollment Information
CALL 1-800-535-6451
Program Code For Society Special:
PROMO CODE: N4186028755010101

ID TheftSmart® is a non-insurance product being made available through Marsh, Inc., and Kroll Background America, Inc. (KBA). KBA is a nationally recognized leader in pre-employment screening services, specializing in risk mitigation and corporate compliance and is a subsidiary of Kroll, Inc., the world's foremost independent risk consulting company.



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