1Javelin Strategy and Research, 2013 Identity Fraud Survey report.
2SunTrust Solid Theft Protection is serviced by Global Protection Solutions, LLC. A SunTrust Consumer checking account is a requirement of enrollment. Monthly membership fees may apply, based on SunTrust account type.
3Daily monitoring will notify You of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then You will receive a quarterly notification stating that no information has changed within your credit file.
4The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of Solid Theft Protection Platinum, through Alliance Marketing Association (the "Association"). Upon enrollment in the Solid Theft Protection Platinum service, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc., (collectively, the “Company”) under group policy # 7077733 and 1423212. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in Solid Theft Protection Platinum. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy.
5Solid Theft Protection monitors up to ten registered credit/debit cards and your Social Security Number on the Internet, based on an extensive search of Internet chat rooms; however, it is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.
6If your credit or debit cards have been issued by a financial institution other than SunTrust, such financial institution may require you to call it directly and not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.
7Solid Theft Protection monitors your Social Security Number in credit headers and public data sources; however it is impossible to ensure that all public data sources have been searched. Accordingly, the high and low risk events identified by Solid Theft Protection may not contain or apprise you of all instances in which your Social Security Number may have been compromised.
8Solid Theft Protection monitors the Social Security number for up to ten of your children who are under the age of 18 in credit headers and pre-credit data sources; however, it is impossible to ensure that all pre-credit data sources have been searched. Accordingly, your child monitoring alert notifications may not contain or apprise you of all instances in which your child's Social Security number may have been compromised. Once your child turns 18, he/she will be removed from monitoring.
9SunTrust Bank does not make any representation, express or implied, that the information provided by the Registered Sex Offender Locator service is accurate. This service relies on publicly available data and, therefore, the location of all sex offenders may not be in the service's database. This service does not monitor addresses in the state of California.
10SunTrust Bank does not make any representation, express or implied, that the information provided by the FDA & product recall list service is accurate. This service relies on publicly available data and, therefore, not all FDA & product recalls may be in the service's database.
IMPORTANT NOTICE: YOUR LIABILITY FOR UNAUTHORIZED USE UNDER FEDERAL LAW: For credit cards: If the card issuer has notified you of your maximum potential liability, has provided means for you to notify the card issuer of credit loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card. For debit and cash machine (ATM) cards: Your liability for unauthorized use of the card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the card loss. After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. In addition, if you do not notify the card issuer within 60 days after a periodic statement showing unauthorized transfers is sent to you, then you will also be liable for the amount of unauthorized transfers that occurred after the 60-day period and before notice to the card issuer, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the 60-day period.
Your card issuer’s liability policy may provide for lesser liability amounts than indicated above. Consult your card issuer’s terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable. Nothing set forth in your membership materials alters any rights or liability you may have under federal or state law with respect to unauthorized or erroneous transactions on your card or bank accounts. You are not required to have this service to maintain your credit, debit or ATM cards.
The Federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your written notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected. Your liability for unauthorized charges is limited to $50 per credit card. You are not required to enroll in Solid Theft Protection to maintain your credit card.
Solid Theft Protection is a service of Global Protection Solutions, LLC in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the Solid Theft Protection service. Any part of the service may be modified or improved at any time and without prior notice.
The Following notice is required by law: You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the only authorized source under federal law.