FRAUDARMORTM LITE TERMS AND CONDITIONS OF USE
Download the Terms and Conditions PDF
The FraudArmorTM Lite Check Fraud and Advancement Program is
brought to you by Harland Clarke Corp. in conjunction with its Service
Providers (jointly "FraudArmor Lite"). Together, we provide the suite of
services that comprise the FraudArmor Lite Programs. FraudArmor Lite
reserves the right to substitute or add additional Service Providers at
FraudArmor Lite's discretion. Services are provided to the registered
individual who subscribes for the Fraud Armor Lite "Service" defined in
the applicable Fraud Armor Lite Service Description (each such
subscriber hereinafter called the "Member").
Please read these Terms and Conditions carefully. Member's right to
use any Service is expressly subject to full compliance with these
Terms and Conditions, as they may be modified from time to time. If
you do not agree with these Terms and Conditions, please do not
register for any Service or disclose any information to FraudArmor
Lite in connection with any Service.
COMMON DEFINITIONS
Certain capitalized terms referenced herein have the meanings ascribed
to such terms in the Common Definitions.
"Affiliated Persons" means:
- Affiliated Persons shall be limited to:
-
The spouse or domestic partner of registered Member (where "domestic
partner" is defined as any person living in a legally recognized
domestic partnership with Member in their state of residence;
provided that, this definition does not affect the location in which
the Service is being provided as set forth in the FraudArmor Lite
Terms and Conditions)
-
Dependent children under the age of 21 who live with Member and
dependent children under the age of 25 who are full-time students,
as determined by IRS dependency requirements.
"Losses" means, with respect to any order, any debits
from Member's checking account for cleared checks due to the Subject
Check Fraud.
"Resolution Specialist" means a named individual
dedicated to Member's Restoration case and who is certified with the
following credentials:
-
Certified Identity Theft Risk Management Specialist (CITRMS) from The
Institute of Fraud Risk Management
-
International Association of Financial Crime Investigators (Member or
above)
-
Consumer Data Industry Association (Fair Credit Reporting Act Exam)
"Subject Check Fraud" means, with respect to a
particular Subject check fraud event any occurrence of:
-
a forged signature (a legitimate check that is forged with the
Member's signature as the payer)
-
a forged endorsement (a legitimate check that is endorsed and cashed
or deposited by a person other than the designated payee based upon a
fraudulent endorsement)
-
an altered check (a legitimate check that is fraudulently altered as
to the designated payee, check amount, or otherwise so as to benefit
the person altering the check)
-
a counterfeit check (applies to a document that purports to be a
legitimate check drawn from your account, but in fact is not a
legitimate check that results in an unauthorized debit to your
checking account)
Note: Additional terms and conditions continue in the full document. Please refer to the PDF for complete terms and conditions.