3 Applicable for Kasasa Protect Premium package only.
4 Exclusive of major U.S. holidays.
5 VantageScore® calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Click here to learn more about this.
6 Up to 10 children under 18 years of age
7 Personal identity theft protection products and services administered by Experian. Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits here.
VantageScore calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Click here to learn more about this.
Personal identity theft protection products and services administered by Experian. Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits here.
Kasasa Protect is an optional Identity Fraud Protection, credit monitoring and Restoration Service that includes identity theft, fraud protection and breach resolution services through a separate, third party. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services ("opt-in"), (b) charges a separate monthly fee, and (c) can be cancelled at any time.
Kasasa Protect includes the following comprehensive services (collectively "Services"):
(1) Credit Services: (a) Reports: an annual Experian credit report; (b) Scores: a monthly Experian credit score ("VantageScore") and (c) Plotter: Experian’s visual twelve (12)-month history of your monthly credit scores.
(2) Monitoring Services: (a) Public Records: Monitors name, address & Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms & black market web sites for personally identifiable information; (c) Credit Monitoring: monitors only on the credit file associated with the purchasing consumer for and will provide an email or text alert if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected; (d) Credit Freezes & Removals: Placing or releasing credit freezes on your credit report with Experian only (see Legal Notices (3) below for more information).
(3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services: Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft.
Additional Services may be available depending on the tier selected (e.g. Kasasa Protect, Kasasa Protect Plus, Kasasa Protect Premium).
Services provided by Experian Partner Solutions, Inc. ("Experian"). In order to receive your Services, you must review and agree to the services' terms and conditions. IF YOU DO NOT AGREE TO ANY OF THE TERMS, DO NOT ACCESS OR USE THE SERVICES.
Fees: Services provided for a monthly fee, the amount of which depends on the tier of services selected. Fee(s) will be automatically debited from your account on the third (3rd) of each month. Fee(s) begin on the third (3rd) of the month following your enrollment date and will end one (1) day after Experian has processed your cancellation request.
Kasasa Protect's services, fees, providers and / or partners are variable and may change with proper notification from our bank or Kasasa, Ltd. Changes in terms, conditions, services, fees and / or providers, if any, will be posted on the Kasasa Protect site located at https://secure.kasasaprotect.com. We encourage you to refer to this site on a regular basis for Services information.
Requirements & Enrollment: To utilize Kasasa Protect you must: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, and (3) register and maintain your unique email address via the Kasasa Protect online portal.
To receive Services, you must (1) agree to the Kasasa Protect Services' Terms & Conditions and (2) establish the Services' monthly billing ACH authorization and (3) provide an accurate email address. Upon completing these three activities you will be enrolled in the program. ("Enrollment"). The date upon which these activities are completed will be your enrollment date ("Enrollment Date").
You agree to provide accurate, current and complete information about yourself; not misrepresent your identity; and maintain and update this information, including your email address on a regular basis to ensure its accuracy. Failure to do this may prohibit use of the Services or result in errors in information generated.
Cancellation: You may cancel your Services at any time by calling Experian toll-free at (888) 483-3301. When cancelling, your then current month's fee will not be reimbursed or prorated. Kasasa and/or Experian reserves the right to cancel your Services if the Services' monthly fees are not paid and properly fulfilled within 30 days. If your Services are cancelled, a notification email will be sent to the email address you maintain at https://secure.kasasaprotect.com. Monthly fee(s) will not be charged for the month following: (1) the processing of your cancellation request, or (2) a termination.
Legal Notices: (1) Federal Notice. Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the ONLY authorized source under federal law. (2) Kasasa and/or Experian shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services including any liability for damages, direct or indirect, consequential or incidental. (3) Free credit monitoring services are available to every active credit consumer via www.freecreditscore.com. This free service provides electronic monitoring and notifies a consumer of changes to their credit file. (4) Kasasa Protect includes the ability to place or release credit freezes on your credit report with Experian only. Certified Specialists will help Kasasa Protect consumers place or remove this credit freeze at no additional cost. In addition, Certified Specialists will provide the consumer with contact information for the other credit bureaus; however, they will not place the credit freeze at the other credit bureaus on their behalf. In accordance with the Economic Growth, Regulatory Relief and Consumer Protection Act, credit bureaus are to provide one free credit freeze (and associated removal) per year for consumer requests made after September 21, 2018.
Kasasa, Ltd. does not directly underwrite, service, or oversee products and services related to insurance, identity theft/credit monitoring, or prescription drug discounts. Advertised products are not bank deposits, are neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), or any other state or federal agency, and are not guaranteed by any financial institution.
Copyright © Kasasa, LTD. All rights are reserved. Kasasa, LTD. Is not a chartered bank or trust company, or a depository institution. It is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority. Kasasa, LTD. does not directly underwrite, service, or oversee products and services related to insurance, identity theft/credit monitoring, or prescription drug discounts. All brands or marks are the property of their respective owners.