When you use our online service to access your personal information, you are certifying that you understand and agree to the following conditions:
- You represent that you are a natural person over eighteen (18) years of age, that you reside in the United States, that you have a valid United States Social Security Number, that you may legally enter into this agreement, and that you agree with all the terms of this agreement. You further understand and agree that the services cover only your personal accounts that are directly associated with your valid United States Social Security Number.
- Generations Gold, Inc. assumes no responsibility for errors or omissions in the information or other documents which are referenced by or linked to the website. We will not be liable for any special, incidental, indirect or consequential damages of any kind, nor any damages whatsoever. Generations Gold, Inc. will not be liable for any failure or delay resulting from fire, explosion, flood, storm, act of God, government acts, orders or regulations, hostilities, civil disturbance, strike, labor difficulties, machinery breakdown, internet or telecommunications failure, reasons within your control, or any other similar event beyond the reasonable commercial control of Generations Gold, Inc. The services offered on this website are provided "as is", with no warranties of any kind. We will not be liable for any damages you incur while using our program benefits and services, even if you advise us that such damages are possible.
- Indemnification: You agree to indemnify, defend and hold Generations Gold, Inc., sponsoring financial institutions and organizations and any of its affiliates and all of their agents, directors, employees, information providers and licensors and licensees harmless from and against any and all liability and costs (including attorneys' fees and costs) incurred by any of these parties in connection with any claim arising out of using this referral service.
- Trademarks, Copyrights and Restrictions: and the logo are trademarks of Generations Gold, Inc. All promotional materials are copyrighted by Generations Gold, Inc. unless otherwise specified. All other product names and company logos found on promotional materials are the trademarks of their respective owners. All promotional materials are protected by copyrights, which are owned by Generations Gold, Inc. You may not reproduce, perform, create derivative works from, republish, upload, post, transmit, or distribute in any way whatsoever any information without the express, written consent of Generations Gold, Inc.
- You agree that Generations Gold, Inc. is not an insurance company, is not a credit repair organization, is not a credit counseling service and does not promise to help you improve your credit history or rating. Generations Gold, Inc. will not provide you with advice or assistance in improving your credit history or credit rating.
- Disclaimer: In no event shall Generations Gold, Inc. be liable to you or any party you enroll or cause to be enrolled for services for any indirect, special, incidental, consequential, or punitive damages, however and wherever arising; other than pursuant to the Restoration Service legal expense coverage defined herein. In no event shall the total liability of Generations Gold, Inc. under this agreement or regarding the services exceed the greater of one thousand dollars ($1,000) or the total amount you have paid for your Generations Gold, Inc. program. Some jurisdictions do not allow certain limitations of damages, so the foregoing may not apply to you.
- Jurisdiction: This Agreement and any Service provided hereunder will be governed by the laws of the State of Florida, without regard to any laws that would direct the choice of another state's laws and, where applicable, will be governed by the federal laws of the United States.
- Other rights: You understand and agree that the Fair Credit Reporting Act as permitted by 15 U.S.C. § 1681 allows you to place fraud alerts on consumer reports, obtain copies of annual credit reports for yourself and for minor children for whom you are the parent or legal guardian, and opt-out of pre-screened solicitations and catalog mailings, without charge. You acknowledge and agree that it is illegal for anyone to obtain credit-related or other personal information concerning a minor child for whom they are not the parent or legal guardian and that any information you obtain about your minor child will be used solely for the purpose of assisting you in protecting your minor child against actual, suspected or potential fraud. Any minor children covered under this plan will automatically lose their eligibility the day before their eighteenth (18th) birthday. After this occurs, they will no longer be eligible for any benefits or coverage available under the Generations Gold, Inc. program. Accordingly, you also understand and agree that your decision to pay for and/or receive Services under this Agreement has been made by you as a convenience, and is not legally required. You understand and agree that termination of your membership, for any reason, constitutes your consent to immediate termination of the program and Restoration Services provided by Generations Gold, Inc.
- Miscellaneous: These terms and conditions may not be altered, supplemented, or amended by you by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for the Service which is subject to additional or altered terms and conditions will be null and void, unless agreed to in writing and signed by you and Generations Gold, Inc. The section headings used herein are for convenience of reference only and do not form a part of these terms and conditions, and no construction or inference will be derived there from. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable and shall not affect the enforceability of any other provision.
- Obligations, Conditions and Exclusions: You agree that you are only providing your own personal information and not the information of any other individual, unless it’s for a minor child for whom you are the parent or legal guardian. You understand that the information you provide during the registration process and any subsequent information you provide to Generations Gold, Inc. will be true, accurate and current. YOU ARE OBLIGATED TO CONTACT GENERATIONS GOLD, INC. MEMBER SERVICES IN THE EVENT THAT ANY INFORMATION YOU HAVE PROVIDED HAS CHANGED. You understand and agree that perfect security does not exist anywhere, and you take reasonable precaution to protect and safeguard your Personal and Financial Information in a reasonable way at all times. Accordingly, you will not recklessly disclose or publish your Social Security number or any other Personal Information to those that would reasonably be expected to improperly use or disclose that Personal Information, such as, by way of example, in response to "phishing" scams, unsolicited emails, or pop-up messages seeking disclosure of Personal Information. You acknowledge that it is your responsibility to exercise sound judgment when deciding whether and with whom to share your information is at your own risk. Additionally, you acknowledge and agree that neither we, nor any of our directors, officers, agents, employees, affiliated companies or financial institutions are responsible or liable to you for any actions taken or decisions made by any individuals with whom you have shared your information. Should a bank or other credit institution, after reasonable investigation, determine that your reported loss is not due to identity theft; Generations Gold, Inc. may rely on such investigation to determine that the restoration service is not applicable to such loss.
- You agree to remain in compliance with the following obligations and conditions and to take the appropriate actions:
- You must immediately notify all 3 major credit bureaus, the Federal Trade Commission's Identity Theft Hotline, and appropriate law enforcement agencies.
- You must immediately (but no later than 30 days after you discover that a Stolen Identity Event has occurred) notify Generations Gold, Inc.
- You must immediately notify the bank or card issuer in strict accordance with the bank's or credit card issuer's terms and conditions following the occurrence of an Unauthorized Fund Transfer.
- You must take all reasonable steps to mitigate any Loss resulting from a Stolen Identity Event including, but not limited to, requesting a waiver for any applicable fees, loan application fees or credit bureau fees.
- You must willingly provide all assistance and cooperation required in the investigation and determination of any Loss.
- Fraudulent Withdrawals by Family Members: Loss resulting from an Unauthorized Funds Transfer will not apply if the action is committed by a family member of the Insured without signature authority on the affected Account
- Losses Not Reported Within Thirty (30) Days: This Policy does not cover Loss arising from a Stolen Identity Event or Unauthorized Funds Transfer unless it is reported to us within Thirty (30) days after it is first discovered by you.
- Policy on Links to Third Party Web Sites: This website may contain links to third party websites. Generations Gold, Inc. does not represent, guarantee, or endorse any website that you may access from this website. In addition, if we provide a link to a website, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this website are provided solely as a convenience to you. When you access a non-Generations Gold, Inc. website, please understand that the linked site and its content are not under our control. Generations Gold, Inc. is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from such items as viruses, worms, Trojan horses and other items of a destructive nature. You may be subject to additional terms and conditions that apply when you use third party sites and you agree that you are responsible for reviewing and understanding any terms and conditions governing those sites and Generations Gold, Inc. has no responsibility therefore.
- A “Stolen Identity Event” is the theft of your personal identification, social security number, or other information that would allow a third party to identify you, which has or could reasonably result in the wrongful use of such information in a manner that may affect your credit, including, but not limited to, Identity Theft events occurring on or arising out of your use of the internet. A “Stolen Identity Event” means an occurrence after the eligibility date. It 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.
- Generations Gold, Inc. will pay for your Restoration Rescue® service performed by a licensed attorney specializing in ID theft recovery (up to a maximum of $5,000 per account per lifetime) and reimburse you for only the following – Any liability that results from the fraudulent misuse of your lost or stolen cards and/or the cost of replacing documents, up to a maximum of $250 per primary account, per lifetime.
- We reserve the right to request that you provide corroborating evidence with respect to any incident of Identity Theft of which we are notified, including signed affidavits, law enforcement or governmental agency reports, or other corroborating evidence. Identity Theft Restoration Services may require you to sign a Limited Power of Attorney to act on your behalf. In the event that you fail to provide any requested corroborating evidence, we reserve the right not to provide you with the features and benefits of this Identity Theft Restoration Service.
- Identity Theft Restoration Services are not available in an unusual event that results in an inordinate number of identity theft victims such as a wide-ranging breach of personal information held by your credit card companies, financial institutions, etc. In addition, services will not be available when the member is responsible in whole or in part for causing or allowing the identity theft to occur or if we are unable to validate your activation and enrollment with a recorded transaction in our membership file.
- a. Your Identity Theft Restoration Services must be activated for each member in the primary account; your minor children are automatically enrolled within your activation and your coverage begins 10 business days from the date of your validated activation. Identity Theft Restoration Services will be performed for individuals only by a licensed attorney. For members enrolled in , Generations Gold, Inc. will pay all attorneys’ fees associated with your identity theft claim per primary account and minor children, residing in the household, up to the day before their eighteenth (18th) birthday, providing you are his or her parent or legal guardian, financial institution employees and individual business partner personal memberships who are in good standing and have previously enrolled in the Identity Theft and Security Center Program, up to a maximum of $5,000.00 per primary account, per lifetime with no deductible for restoration service or unauthorized fund loss. Identity Theft Restoration Services will not be provided to members who have enrolled after the identity theft has occurred.
- b. If your Identity Theft Restoration Services are automatic no activation is required and your coverage begins automatically 10 business days from the date of your enrollment. Be sure to visit the Identity Theft Program section to determine and verify that your coverage is automatic.
- Other Insurance: The benefits provided under this Policy are in excess of your existing insurance and other benefits, if any. If there is any other valid benefit or insurance which would otherwise apply in the absence of this Policy, benefits under this Policy shall be available only to the extent that any Loss is not covered by such other insurance or other benefits. In no event will we pay more than the actual amount of Loss.
- Coverage Territory: Subject to its terms, conditions and exclusions, this Policy applies to a Stolen Identity Event or Unauthorized Funds Transfer occurring anywhere in the United States or a branch or office abroad of a United States regulated Financial Institution.
- In rare circumstances when additional work is deemed to be necessary (beyond the $5,000.00 covered amount), the member can opt to continue the services; however, any additional costs are the sole responsibility of the member. If we find that you intentionally misrepresented damages or committed a fraud related crime and misrepresented that you were our member when your information was misused, you agree to pay us back upon demand any amount we have paid in connection with your claim, including any costs we incur to collect the money from you. Being found guilty of a crime related to the loss which you attributed to identity theft is sufficient evidence to conclude that we are entitled to recover all amounts paid on your behalf as described above, but it is not the only basis upon which we may so conclude.