5M Insurance

This Insurance Summary of Benefits is provided to inform you, as an enrollee in an Aura identity protection membership program that includes identity theft insurance (“Aura Membership Plan”), of the benefits you are entitled to under the Policy as issued to Aura and described in these Terms and Conditions.  Please note that if your Aura Membership Plan allows for multiple adult members, you as the primary account holder will be entitled to benefits under a Family Membership plan (also referred to as the “Family Plan”) set forth herein.  Each additional adult member on your Aura Membership Plan will be individually entitled to benefits under a Single Membership plan.

Various provisions in these Terms and Conditions and in the Policy restrict coverage. Read the entire Terms and Conditions carefully to determine rights, duties and what is and is not covered.  These Terms and Conditions do not state all the terms, conditions, exclusions and definitions within the Aura Policy. Your benefits will be subject to all the terms, conditions, exclusions and definitions of the Policy as issued to Aura. A complete copy of the Policy will be available upon request. If the Policy issued to Aura is terminated, your benefits under the Policy as issued by Aura will cease effective that date. It is the obligation of Aura to inform you of any termination of the Policy.

The Identity Fraud Expense Reimbursement benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under a group policy issued to Aura for the benefit of its Members and its affiliate company Members. To obtain a complete copy of the Policy as issued to Aura, contact Aura at 1 866 237-5240 American Bankers Insurance Company of Florida administers all claims and Aura shall have no responsibility to Members with respect to the Identity Fraud Expense Reimbursement benefit.

All references to We, Us, and Our throughout this Summary of Benefit means American Bankers Insurance Company of Florida.

Limits of Insurance

Duties When Loss Occurs

Upon knowledge or discovery of loss or of an occurrence which may give rise to a claim under the terms of this coverage, the policyholder is responsible for notifying the member of the following requirements:

a.  Give notice as soon as practicable to:

1. the appropriate authority and affected institutions, if applicable; and
2. call 1-833-237-5240 to make a valid claim within sixty (60) days of the date of discovery, or as soon as reasonably possible.
   
   If the loss involves a violation of law, the member shall also notify the police. The member must submit a copy of the police report when filing a claim;
   ‍
   For both Checking & Savings Account Cash Recovery and Investment and HSA Cash Recovery claims, the member must provide documentation from the financial institution that the funds were fraudulently removed and are non-recoverable from the financial institution.
   ‍
   For Emergency Cash/Lost Wallet, the member must submit a copy of a police report from a law enforcement agency within the jurisdiction in which the wallet was lost or stolen.

b.  File detailed proof of loss, duly sworn to, with us within sixty (60) days after the discovery of loss;

c.  Take all reasonable steps to mitigate loss resulting from identity fraud including, but not limited to, requesting a waiver for any applicable fees, loan application fees or credit bureau fees;

d.  Upon our request, submit to examination by us, and subscribe the same, under oath if required;

e.  Upon our request, cooperate to help us enforce legal rights against anyone who may be liable to the member to include giving evidence and attending depositions, hearing and trials;

f.  Immediately forward to us any notices, summons or legal papers received by the member in connection with the loss or the identity fraud;

g.  Produce for our examination all pertinent records;

h.  Cooperate with us in all matters pertaining to loss or claims;

all at such reasonable times and places as we shall designate.

The member shall not voluntarily assume or admit any liability, nor, except at said member’s own cost, voluntarily make any payment or incur any expense without our prior written consent, such consent not to be unreasonably withheld.

The member shall keep books, receipts, bills and other records in such manner that we can accurately determine the amount of any loss. At any time, subsequent to the reporting of the loss to us, we may examine and audit the member’s books and records as they relate to a loss under the Policy.

Coverage

We will reimburse the member for expenses and legal costs incurred by the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions from the direct result of the following:

1. Fraud or Embezzlement
   For loss arising out of fraud or embezzlement perpetrated against the member, with an occurrence date during the term of the membership.  

2. Theft 
   For loss resulting directly from theft of property related to the member’s information, checkbook, savings record, ATM access or securities from the member, with an occurrence date during the term of the membership, by a person from whom the member purchased goods or services.

1. ~~Made or drawn by or drawn upon the member’s account; or
2. ~~Made or drawn by one purporting to act as the member’s agent.

4. Data Breach
   For loss, with an occurrence date during the term of the membership, resulting directly from the misuse of the member’s information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor, a securities firm, employer or other institution/company maintaining the member’s personal information, that results in monies stolen from the member’s accounts or misuse of data to obtain property, credit or monies using the member’s information.

5. Stolen Identity Event
   For loss resulting from a stolen identity event, including but not limited to a stolen identity event occurring on or arising out of the use of the Internet. The occurrence date must be during the term of the membership.

Cash Recovery Aggregate

We will reimburse the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, a Cash Recovery Aggregate benefit limited to payment for one (1) occurrence within any twelve (12) consecutive months of the term of the membership, for recovery of traditional credit cards, pre-paid credit cards and debit card deductibles or in the event of an unauthorized electronic fund transfer, we will reimburse the member for unrecoverable funds, exclusive of interest, directly drawn from or removed through an unauthorized electronic fund transfer from the member’s mobile device (smart phone) or other financial account due to an act of fraud, embezzlement, theft, forgery or other data breach which have not been recovered.  

Cash Recovery Aggregate does not cover unrecoverable funds for which the member did not seek reimbursement from the financial institution, or other provider which issued the access device and holds the account from which funds were stolen, and for which the member has not received reimbursement from any other source. 

The member will only be covered from an unauthorized removal of funds or an unauthorized electronic fund transfer if the loss first occurs on or after the effective date of the Policy under which this coverage is provided, while the member is an active and paid member of the policyholder, and the loss is reported to us within ninety (90) days of discovery.

The member is not covered if the unauthorized removal of funds or unauthorized electronic fund transfer first occurs after the termination of the Policy under which this coverage is provided, or the member is not an active and paid member of the policyholder. 

For Family Plans, the Cash Recovery Aggregate benefit is limited to payment for one (1) occurrence within twelve (12) consecutive months, not to exceed the Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

The Cash Recovery Aggregate benefit is part of, and not in addition to the Expense Reimbursement Aggregate Limit of Liability. We will pay up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

Investment & Health Savings Accounts Cash Recovery

We will reimburse the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, an Investment & Health Savings Accounts Cash Recovery benefit limited to payment for one (1) occurrence within any twelve (12) consecutive months of the term of the membership, for unrecoverable funds, exclusive of interest, removed through an unauthorized electronic fund transfer from the member’s investment or health savings account, due to an act of fraud, embezzlement, theft, forgery or other data breach, which have not been recovered. 

Investment & Health Savings Accounts Cash Recovery does not cover unrecoverable funds for which the member did not seek reimbursement from the financial institution, or other provider which issued the access device and holds the investment or health savings account from which funds were stolen, and for which the member has not received reimbursement from any other source.

The member will only be covered from an unauthorized electronic fund transfer if the loss first occurs on or after the effective date of this Policy under which this coverage is provided, while the member is an active and paid member of the policyholder, and the loss is reported to us within ninety (90) days of discovery.

The member is not covered if the unauthorized electronic fund transfer first occurs after the termination of the Policy under which this coverage is provided, or the member is not an active and paid member of the policyholder. 

For Family Plans, the Investment & Health Savings Accounts Cash Recovery benefit is limited to payment for one (1) occurrence within twelve (12) consecutive months of the term of the Policy, not to exceed the limit of liability shown on the Declarations Page.

The Investment & Health Savings Accounts Cash Recovery benefit is part of, and not in addition to the Expense Reimbursement Aggregate Limit of Liability.  For Investment & Health Savings Accounts Cash Recovery we will pay up to the Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

Senior Expense Reimbursement

We will reimburse the member for expenses and legal costs incurred by the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, as the direct result of fraud or embezzlement, theft, forgery, data breach or stolen identity event of a member’s senior family member, with an occurrence date during the term of the membership.    

Senior Expense Reimbursement will not cover any expenses or legal costs incurred by the association member not arising out of a direct result of identity fraud of a member’s senior family member.

The Senior Expense Reimbursement benefit is part of, and not in addition to the Expense Reimbursement Aggregate Limit of Liability. We will pay up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

Home Title Identity Theft

We will reimburse the member for expenses and legal costs incurred by the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, as the direct result of fraud or embezzlement, forgery, or identity fraud, resulting in title theft or deed fraud of member’s residential real estate, with an occurrence date during the term of the membership.    

Home Title Identity Theft Expense Reimbursement will not cover any expenses or legal costs incurred by the member not arising from an identity theft event.

The Home Title Identity Theft benefit is part of, and not in addition to the Expense Reimbursement Aggregate Limit of Liability. We will pay up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

Reverse Record/Professional Identity Theft

We will reimburse the member for expenses and legal costs incurred by the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, as the direct result of fraud or embezzlement, forgery, or stolen identity event, resulting in member’s reverse record/professional identity theft, with an occurrence date during the term of the membership.

Reverse Record/Professional Identity Theft Expense Reimbursement will not cover any expenses or legal costs incurred by the member not arising from a reverse record/professional identity theft.

The Reverse Record/Professional Identity Theft benefit is part of, and not in addition to the Expense Reimbursement Aggregate Limit of Liability. We will pay up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

Ghosting Expense Reimbursement

We will reimburse the member for expenses and legal costs incurred by the member, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, as the direct result of fraud or embezzlement, forgery, or stolen identity event, arising out of identity fraud of a member’s deceased family member, with an occurrence date during the term of the membership. 

Ghosting Expense Reimbursement will not cover any expenses or legal costs incurred by the member:

1. not arising out of a direct result of identity fraud of a member’s deceased family member; and
2. for which the deceased family member’s estate, executor, or a party or individual, other than the association member, is obligated to pay.

The Ghosting Expense Reimbursement benefit is part of, and not in addition to the Expense Reimbursement Aggregate Limit of Liability. We will pay up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

Cyber Extortion

We will reimburse the member for cyber extortion expenses incurred by the member up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, as the direct result of recovering from a cyber extortion/ransomware attack affecting member’s connected device, with an occurrence date during the term of the membership.    

Cyber Extortion Expense Reimbursement will not cover any ransom or extortion monies paid by the member.

The Cyber Extortion Expense Reimbursement benefit is part of, and not in addition to the Expense Reimbursement Aggregate Limit of Liability. We will pay up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions.

Emergency Cash/Lost Wallet

We will provide the member an Emergency Cash benefit as shown on the Aggregate Limit of Liability  on the Limits of Insurance section of these Terms and Conditions, limited to one (1) occurrence within any twelve (12) consecutive months of the term of the membership, in the event the member reports their wallet lost or stolen to a law enforcement agency while traveling at least 100 (one-hundred) miles from home. 

The member must submit a copy of a police report from a law enforcement agency within the jurisdiction in which the wallet was lost or stolen.

For Family Plans, the Emergency Cash benefit is limited to payment for one (1) occurrence within twelve (12) consecutive months of the term of the membership, not to exceed the limit of liability shown on the Limits of Insurance section of these Terms and Conditions.

Exclusions

The following is not covered:

Definitions

Access Device means a card (including credit, debit and ATM cards), code, PIN, password, personal check or other similar means of access to the member’s account at a financial institution that may be used by the member to gain access to said account for the purpose of withdrawing or transferring funds, making purchases, or making long distance or cellular/digital (wireless) telephone calls.

Account means a cash, credit card, demand deposit (checking), savings, or money market account of the association member held directly or indirectly by a financial institution and established primarily for personal, family or household purposes.

Data Breach means the misuse of the member’s information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor, a securities firm, employer or other institution/company maintaining the member’s personal information, that results in monies stolen from the member’s accounts or misuse of data to obtain credit or monies using the member’s information.

Connected Devices means laptops, tablets, personal computers and smartphones.  Connected devices also includes home connected devices such as smart TV’s, smart TV boxes, game consoles, refrigerators, thermostats, washers, dryers, speakers, virtual assistants (i.e. Alexa, Google Assist and Amazon Echo), and dishwashers.

Date of Discovery occurs when the member first becomes aware of facts which would cause a reasonable person to assume that a loss covered by this insurance has been or will be incurred, even though the exact amount or details of loss may not then be known.  Discovery also occurs when the member receives notice of an actual or potential claim against the member involving loss covered under this insurance.

Deceased Family Member means the member’s spouse or domestic partner, parent, siblings, children and/or any other member of, or dependent persons who resided in the member’s household who has been declared dead.  Deceased Family Member also includes the member’s deceased:

1. unmarried children (including those who the member is their legal guardian) 
2. dependent(s) with documented disabilities who relied on the member for maintenance and support.
3. parents or grandparents of the member.

Domestic Partner means a person designated in writing by the primary member who is registered as a domestic partner or legal equivalent under laws of the governing jurisdiction or who:

1. is at least 18 years of age and competent to enter into a contract;
2. is not related to the primary member by blood;
3. has exclusively lived with the primary member for at least twelve (12) consecutive months prior to the effective date of coverage;
4. is not legally married or separated; and
5. as of the date of coverage, has with the primary member at least two (2) of the following financial arrangements:

Educational Transcript means a document produced and certified by a learning institution providing a complete and unaltered list of all study completed by the member which usually includes member’s personal information, qualification(s) completed (including date completed/conferred), qualification(s) still in progress, course(s) of study attempted or completed by year, course weighting and grades attained, key to grading scale used by the institution, and the official seal of the institution.

Expenses mean:

1. Costs incurred by the member for re-filing applications for loans, grants, or other credit that are rejected solely because the lender received from any source incorrect information as a result of the identity fraud. For Reverse Record/Professional Identity Theft, costs incurred by the member for refiling job or rental applications rejected solely on incorrect information contained in member’s background check report, as a result of the identity fraud 
2. Costs for notarizing affidavits or other similar documents, long distance telephone calls, travel and postage reasonably incurred as a result of the member's efforts to report an identity fraud or amend or rectify records as to the member’s true name or identity as a result of an identity fraud. For Ghosting Expense Reimbursement, costs for notarizing affidavits or other similar documents, long distance telephone calls, travel and postage reasonably incurred as a result of the member's efforts to report an identity fraud or amend or rectify records as to the member’s deceased family member’s true name or identity as a result of an identity fraud. 
3. Reasonable costs incurred by the member for up to six (6) credit reports from established credit bureaus (with no more than two (2) reports from any one credit bureau) dated within twelve (12) months after the member’s discovery of an identity fraud, and costs incurred for contesting the accuracy or completeness of any information contained in a credit report following an identity fraud;
4. Payment for reasonable expenses incurred for the placement of up to twelve (12) credit freezes or credit thaws per 12 month period as a result of being notified of a data breach in which the member’s personal information was compromised and payment for expenses that were a result of recovery from an identity fraud such as; credit freeze, credit thaw costs, transcript costs, appeal bond, court filing fees, expert witness or courier fees. For Ghosting Expense Reimbursement, payment for reasonable expenses incurred that were a result of recovery from an identity fraud such as; credit freeze, credit thaw costs, ordering of death certificate costs, transcript costs, appeal bond, court filing fees, expert witness or courier fees.
5. Actual lost base wages that would have been earned in the United States, for time reasonably and necessarily taken off work solely as a result of efforts to amend or rectify records as to the member’s true name or identity as a result of an identity fraud. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days and excludes sick days, business interruption and future earnings of a self-employed professional.  Coverage is limited to base wages within twelve (12) months after discovery of an identity fraud. Base wages must be supported by and based on the prior year tax return. For Ghosting Expense Reimbursement, actual lost base wages that would have been earned in the United States, for time reasonably and necessarily taken off work solely as a result of efforts to amend or rectify records as to the member’s deceased family member’s true name or identity as a result of an identity fraud. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days and excludes sick days, business interruption and future earning of a self-employed professional.  Coverage is limited to base wages within twelve (12) months after discovery of an identity fraud. Base wages must be supported by and based on prior year tax return 
6. Child or elderly care costs that would have otherwise not been incurred, resulting from time reasonably and necessarily taken away from providing such care as a result of efforts to amend or rectify records as to the member’s identity as a result of an identity fraud. For Ghosting Expense Reimbursement, child or elderly care costs that would have otherwise not been incurred, resulting from time reasonably and necessarily taken away from providing such care as a result of efforts to amend or rectify records as to the member’s deceased family member’s identity as a result of an identity fraud.
7. Reasonable and necessary costs incurred by the member for ordering medical records for the purpose of amending and/or rectifying these documents as a result of an identity fraud. For Home Title Identity Theft, reasonable and necessary costs incurred by member for residential real estate title search and publication charges for the purpose of amending and/or rectifying title theft or deed fraud, as a result of an identity fraud. For Reverse Records/Professional Identity Theft, reasonable and necessary costs incurred by member for: ordering a background check report for the purpose of amending and/or rectifying the document as a result of an identity fraud‍
8. Reasonable and necessary costs incurred by member for the replacement of identification cards, driver licenses and passports as a result of an identity fraud. For Reverse Record/Professional Identity Theft, reasonable and necessary costs incurred by member for the replacement of identification cards, driver license, passports, educational transcripts and occupational licenses as a result of an identity fraud.
9. Reasonable and necessary costs, up to a maximum of $125 per hour, incurred by the member for use of any investigative agency or private investigator engaged to amend or rectify records as to the member’s true name or identity as a result of an identity fraud.  We reserve the right to select such investigative agency or private investigator; however, with our express prior written consent, member may elect such investigative agency or private investigator. For Ghosting Expense Reimbursement, reasonable and necessary costs, up to a maximum of $125 per hour, incurred by member associated with the use of any investigative agency or private investigator engaged to amend or rectify records as to member’s deceased family member’s true name or identity as a result of an identity fraud.  We reserve the right to select such investigative agency or private investigator; however, with our express prior written consent, member may elect such investigative agency or private investigator.
10. Reasonable and necessary costs, up to a maximum of $125 per hour, incurred by the member associated with the use of any certified public accountant engaged to amend or rectify records as to the member’s true name or identity as a result of an identity fraud.  We reserve the right to select such certified public accountant; however, with our express prior written consent, member may elect such certified public accountant. For Ghosting Expense Reimbursement, reasonable and necessary costs, up to a maximum of $125 per hour, incurred by member associated with the use of any certified public accountant engaged to amend or rectify records as to association member’s deceased family member’s true name or identity as a result of an identity fraud.  We reserve the right to select such certified public accountant; however, with our express prior written consent, member may elect such certified public accountant

Family Member means the primary member’s spouse or domestic partner, parent, siblings, children and/or any other member of, or dependent persons residing in the primary member’s household.  Family member also includes a primary member’s spouse or domestic partner’s:

1. unmarried children (including those who the member is their legal guardian) under twenty-one (21) years of age.
2. unmarried children (including those who the member is a legal guardian) under twenty-six (26) years of age if a full-time student at an accredited college or university.
3. dependent(s) with documented disabilities who have the same primary residence as the member and who relies on the member for maintenance and support.

Any family member who does not reside at the primary member’s home is not eligible for coverage, except unmarried children (including those who the member is a legal guardian) under twenty-six (26) years of age if a full-time student at an accredited college or university.  

Family Plan means a membership program that: extends coverage, up to the Aggregate Limit of Liability as shown on the Limits of Insurance section of these Terms and Conditions, to the primary member and their family members and for which the Family Plan membership fee/product fee is paid.

The Aggregate Limit of Liability shown on the on the Limits of Insurance section of these Terms and Conditions will be the maximum amount we will pay for all covered losses per Family Plan regardless of the number of losses that occur for any one member per twelve (12) month period.

Forgery means the signing of the name of another person or organization with intent to deceive. It does not mean a signature, which consists in whole or in part of one’s own name signed, in any capacity, for any purpose.

Fraud or Embezzlement includes electronic, telegraphic cable, teletype tele facsimile, telephone or written instructions which: purports to have been transmitted or written by the member, but which was in fact fraudulently transmitted or altered by someone else without member’s knowledge or consent; or received by the member which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without member’s or employee’s knowledge or consent. For Ghosting Expense Reimbursement, fraud or embezzlement includes electronic, telegraphic cable, teletype tele facsimile, telephone or written instructions which: purports to have been transmitted or written by the deceased family member, but which was in fact fraudulently transmitted or altered by someone else without deceased family member’s knowledge or consent; or received by the deceased family member which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without deceased family member’s or employee’s knowledge or consent. 

HSA Custodian/Administrator means a bank, credit union, insurance company, brokerage or other IRS-approved organization that offers health savings accounts.

Identity Fraud means the act of knowingly transferring or using, without lawful authority, a means of identification of the member with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal, State or local law. For Ghosting Expense Reimbursement, identity fraud means the act of knowingly transferring or using, without lawful authority, a means of identification of the member’s deceased family member with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal, State or local law.

Investment or Health Savings Accounts means an employee sponsored, retirement or health savings account such as a 401K, Roth 401K, Simple IRA, SEP IRA, Health Savings Account (HSA), Flexible Spending Account (FSA), or Health Reimbursement Account (HRA). Investment or Health Savings Accounts also includes Employee Stock Option Plans (ESOP) of the member held directly or indirectly by a financial institution or HSA Custodian/Administrator and established primarily for personal, family or household purposes.

Legal Costs means costs, up to a maximum of $125 per hour, for reasonable fees for an attorney fees for an attorney selected by the member and related court fees, incurred by the member with our consent, for:

1. Defense of any legal action brought against the member by a merchant, creditor or collection agency or entity acting on their behalf for non-payment of goods or services or default on a loan as a result of the identity fraud; For Ghosting Expense Reimbursement, defense of any legal action brought against the member’s deceased family member by a merchant, creditor or collection agency or entity acting on their behalf for non-payment of goods or services or default on a loan as a result of the identity fraud;‍
2. Removal of any civil judgments wrongly entered against the member as a result of identity fraud; For Ghosting Expense Reimbursement, removal of any civil judgments wrongly entered against the member’s deceased family member as a result of identity fraud 
3. Challenging the accuracy or completeness of any information in a member’s consumer credit report, medical history or tax history, as a result of identity fraud; For Reverse Record/Professional Identity Theft, challenging the accuracy or completeness of any information in member’s background check, as a result of identity fraud; For Ghosting Expense Reimbursement, challenging the accuracy or completeness of any information in member’s deceased family member’s consumer credit report, medical history or tax history, as a result of identity fraud;‍
4. Member’s initial consultation with a lawyer to determine the severity of an appropriate response to an identity fraud. For Home Title Identity Theft, member’s initial consultation with a lawyer to determine the severity of and appropriate response to an identity fraud, and case filing fee of uncontested quiet title action, as a result of Title Theft or Deed Fraud of member’s residential real estate.
5. Defending criminal charges brought against the member as a result of identity fraud; provided, however, we will only pay criminal defense related fees and expenses after it has been established that the member was not in fact the perpetrator. For Ghosting Expense Reimbursement, defending criminal charges brought against the member’s deceased family member as a result of identity fraud; provided, however, we will only pay criminal defense related fees and expenses after it has been established that the member or member’s deceased family member was not in fact the perpetrator.

Loss means the expenses and legal costs incurred by the member as the direct result of a covered transaction.

Member means the primary member and primary member’s family member if the primary member is enrolled in or elects a Family Plan membership program.

Occurrence means an incident of an actual or attempted fraudulent, dishonest or criminal act or series of related acts, whether committed by one or more persons. 

Occurrence date means the earliest possible date of discovery.

Policyholder means Aura, a member company of Intersections, Inc.

Primary Guardian or Caregiver means the primary member or, primary member’s spouse or domestic partner, who provides care or accepts guardianship of their elderly parents and/or grandparents and agrees to a higher level or responsibility including making medical and daily care decisions for the elderly parent or grandparent. 

Primary Member means a customer of Aura or its affiliates who is enrolled in an Aura identity protection membership program that includes identity theft insurance who is in good standing:

1. for which the primary member membership fee/ product fee has been paid; and
2. whose name is shown on the membership.

Proof of Loss means receipts for reasonable out of pocket expenses.

Quiet Title or Quiet Title Action means a circuit court action or lawsuit that is filed with the intended purpose to establish or settle the title to a property.

Residential Real Estate means member’s primary residence, second home, vacation home or investment residential properties, including vacant homes for which member’s name appears on the residential real estate property deed.

Reverse Record/Professional Identity Theft means the use of member’s personal information to rent living accommodations, conceal a criminal past, or secure a job by the unauthorized use of member’s personal information, personal professional license numbers and/or credentials, to determine member’s eligibility for employment or housing.  

Senior Family Member means the primary member’s, parents or grandparents living on their own, in a nursing home, or in an assisted living facility, who rely on the primary member for maintenance and support and for whom the primary member is the Senior Family Member’s primary guardian or caregiver.  

Senior family member also includes the primary member’s spouse’s or domestic partner’s parents or grandparents living on their own, in a nursing home, or in an assisted living facility, who rely on the primary member’s spouse or domestic partner, if the primary member is enrolled in a Family Plan membership program.

Spouse means a person who is either:

1. legally married to the primary member; or 
2. meets the definition of domestic partner to the primary member.

Stolen Identity Event means the theft, unauthorized, or illegal use of the member’s name, social security number, or other method of identifying the member. For Ghose Expense Reimbursement, stolen identity event means the theft, unauthorized, or illegal use of the deceased family member’s name, social security number, or other method of identifying the deceased family member. 

Title Theft or Deed Fraud means an identity theft event resulting from the fraudulent recording of a forged deed, initiated by a person other than the member, without the actual authority to initiate a change in ownership of member’s residential real estate, and from which the member receives no benefit.

Unauthorized Electronic Fund Transfer (UEFT) means an electronic fund transfer from the member’s account for Cash Recovery Aggregate, or investment or health savings account for Investment & Health Savings Accounts Cash Recovery, initiated by a person other than the member without the actual authority to initiate such transfer and from which the member receives no benefit.  

An unauthorized electronic fund transfer does not include an electronic fund transfer initiated: 

1. by a person who was furnished the access device to the member’s account, unless the member had given prior notification to the financial institution that transfers by such person(s) are no longer authorized; 
2. with fraudulent intent by the member or any person acting in concert with the member; 
3. by the financial institution or its employees; or 
4. from any business or commercial account.

Conditions

1. ‍Limits of Insurance - Our maximum limit of liability for loss under these Terms and Conditions shall not exceed the applicable limit stated on the Limits of Insurance section of these Terms and Conditions.
   
   All loss incidental to an actual or attempted fraudulent, dishonest or criminal act or series of related acts, whether committed by one or more persons, shall be deemed to arise out of one occurrence.
   ‍
   Our total aggregate limit of liability shown on the Limits of Insurance section of these Terms and Conditions will be the maximum amount we will pay for all covered losses per primary member or family plan membership, regardless of the number of losses that occur for any one member per twelve (12) month period. 

2. ‍Loss Payment
   We will pay any loss covered under the Policy under which this coverage is provided, within thirty (30) days after:

3. Notice of Claim must be given to us by the member:

4. Settlement of Claims
   We will pay all covered claims within ninety (90) days from the date we receive acceptable proofofloss at our office.
5. Transfer of Rights of Recovery Against Others to Us - If any person or organization to or for whom we make payment under this insurance has rights to recover damages from another, those rights are transferred to us.  That person or organization must do everything necessary to secure our rights and must do nothing to impair them.
   
   Recovery against persons or organizations also insured under this Policy or any other Policy issued by us with respect to the same loss is prohibited.
6. Other Insurance - This insurance is excess in the event coverage is provided under any other policy/certificate.
   Should member be enrolled in more than one membership program insured by us, we will reimburse the member under each membership:

7. ‍Action Against Us – No action may be brought against us unless there has been full compliance with all of the terms and conditions of this Summary of Benefits and suit is filed within twenty-four (24) months from the date of occurrence. No one will have the right to join us as a party to any against the policyholder or member.