Terms & Conditions

THESE ARE THE TERMS OF OUR AGREEMENT WITH EACH OTHER. ALL OF IT IS IMPORTANT SO PLEASE TAKE THE TIME TO READ IT CAREFULLY. BY MAKING USE OF THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, ACKNOWLEDGED AND AGREED TO THESE TERMS AND CONDITIONS.

THESE TERMS AND CONDITIONS CAN BE EXECUTED IN EITHER ENGLISH, DANISH, DUTCH, EUROPEAN FRENCH, FINNISH, FRENCH CANADIAN, GERMAN, ITALIAN, NORWEGIAN, POLISH, PORTUGUESE, SPANISH, SWEDISH OR TURKISH. TO READ THESE TERMS AND CONDITIONS IN THOSE OTHER LANGUAGES, PLEASE USE THE FOLLOWING LINKS: Danish (Dansk), Dutch (Nederlandse) , European French (Européen Français), Finnish (Suomi), French Canadian (Français Canadian), German (Deutsch), Italian (Italiano), Norwegian (Norsk), Polish (Polska), Portuguese (Portugues), Spanish - Spain (Español - España), Swedish (Svenska), or Turkish (Türk).

IF YOU ARE BASED IN AUSTRALIA, CANADA, GERMANY, ITALY, POLAND, THE NETHERLANDS, SPAIN, MEXICO, BRAZIL, MALAYSIA, SWEDEN, AUSTRIA, FINLAND OR DENMARK THERE ARE CERTAIN PROVISIONS OF CLAUSES 2 TO 14 BELOW WHICH ARE OVERRIDDEN BY CLAUSE 15. PLEASE SEE CLAUSE 15 FOR DETAILS.

1. About us

We are ConsumerInfo.com, Inc., a California corporation (“CIC”, “Company”, “we”, “us”, “our”) based in the United States of America. Our address is 475 Anton Blvd., Costa Mesa, California 962626. Our tax number is 95-4465932. Our contact email address is globalIDworks@experian.com.

Although your contract is with us, we act on behalf of CSIdentity Corporation, an Experian company and also known as Experian Partner Solutions (with its principal office at 1501 South Mopac Expressway, Suite 200, Austin, TX 78746, United States), (“Experian”) as a contracting entity. The processing of your personal data is carried out in relation to the Services by Experian as described in the Privacy and Cookies Policy, on its own behalf. Please see clause 5 below.

2. About these Terms

2.1 These Terms and Conditions (the “Agreement” or “Terms”) together with our Privacy Notice and Cookies Policy govern the relationship between Company and those who receive and/or use (“users” or “you”) the following services offered by Company in connection the IdentityWorks℠ International services (together, the “Services”):

2.1.1 Dark Web Surveillance offered via our interactive web portal. You are provided with access to an interactive web portal, enabling you to enrol to receive monitoring services in relation to data and other information (including the personal information described in our Privacy Notice and Cookies Policy) provided to us. Should we identify that such data or information is potentially linked to information detected on or obtained from the ‘Dark Web’ (websites on which stolen information is traded, disclosed and/or sold online) in the course of providing our Services, we will alert you and provide notification of the suspected compromised information. Please be aware that any costs incurred in relation to your connection to the internet will remain at your sole charge, according to the terms agreed with your network services provider.

2.1.2 Self Service Restoration Services gives you step-by-step instructions for repairing and restoring a compromised identity through our web portal. This includes a guide to help you understand the impact of a compromised identity, a set of documents and step-by-step instructions to help you restore their identity.

2.2 Each Service is provided subject to the service description given above and any additional service description provided with that Service, which may set out additional special conditions related to that Service.

2.3 You will be asked to read and agree to these Terms before you enrol in the Services. If you refuse to accept these Terms, you will not be able to enrol in the relevant Services. If you do not agree with these Terms in their entirety, please do not enrol in or use the Services. If you have any questions about these Terms, please contact us at globalIDworks@experian.com.

2.4 Pursuant to our Privacy Notice and Cookies Policy, you may be asked to give your consent to the processing of your personal data. As described in our Privacy and Cookies Policy, you may refuse to give (or at any time revoke) this consent. However, where we need to request it under applicable laws, in order to lawfully process your personal data to provide the Services, where you do refuse or revoke your consent we may not be able to provide the Services to you.

2.5 These Terms will supersede any other terms and conditions of third parties associated with the Services to the extent that they conflict with these Terms.

2.6 We reserve the right, in our sole discretion, to modify or update these Terms at any time due to e.g. change of law or introduction of modifications to the Services. However, these Terms will continue to apply in respect of the Services you are already using and any changes to these Terms will only apply to the extent that you enrol in and use any additional Services after the date on which these Terms have been updated. Therefore, every time you wish to enrol in any Services, please revisit these Terms for the most current information to ensure you understand the terms which will apply at that time.

2.7 Any changes to these Terms in respect of Services which you are already enrolled in under contract between us, will be notified to you not less than ten (10) days prior to the change taking, in accordance with applicable law. If you do not agree to the proposed change, then you may exercise your right to terminate the Services under clause 13 of these terms.

3. Your Eligibility and Rights

3.1 Capability:

BY ENROLLING TO RECEIVE THE SERVICES, YOU CONFIRM YOU ARE AT LEAST 18 YEARS OLD AND ARE LEGALLY CAPABLE OF ENTERING IN TO BINDING CONTRACTS.

3.2 Payment and Taxes:

3.2.1 Your use of the Services is paid by the relevant third party that has provided you with access to these Services, and there are no direct payment obligations between you and that third party which are specific to your access of these Services. There are no direct payment obligations between you and the Company.

3.3 Your Rights:

3.3.1 YOUR ATTENTION IS DRAWN IN PARTICULAR TO THE SECTIONS CONCERNING LIABILITY TO YOU (clauses 6 AND7) AND TERMINATION (clause 13).

3.3.2 As a consumer, you will always have legal rights granted to you by the mandatory applicable law (including any applicable statutory remedies) in relation to the provision of Services. This includes that the Services must be carried out with reasonable skill and care.

4. Forming a Contract with us

4.1To use our Dark Web Surveillance you will be required to accept these Terms. By accepting these Terms, a binding contract between us will be formed, provided at all times that you are eligible to receive the Services, in accordance with clause 3 (above). You will have accepted these terms by clicking the ‘I accept the terms and conditions’ (or similar) box when you first enrol via the Portal to use the Services.

5. Collection and Use of your Personal Information

5.1 When you use any of our Services, Experian, will collect, use and disclose data and other information about you as described in their Privacy Policy. Please ensure you read this document carefully prior to your use of the Services.

6. Our Liability to You

6.1 We only supply the Services for domestic and private use. You agree not to use the Services for any commercial, business, re-sale or unauthorized purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity, to the extent allowed by applicable law.

6.2 While we take steps to seek to ensure that the Services and the infrastructure supporting them are free from malware and viruses, we give no such warranty and nor do we warrant that they will operate fully on your equipment. You are responsible for implementing a sufficient software environment, procedures and virus checks (including anti-virus, software updates and other security checks).

6.3 YOU EXPRESSLY UNDERSTAND AND AGREE THAT COMPANY SHALL NOT BE LIABLE TO YOU IN RESPECT OF LOSSES RESULTING FROM:

6.3.1 YOUR FAILURE TO PROVIDE US WITH ACCURATE ACCOUNT INFORMATION;

6.3.2 YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL; OR

6.3.3 YOUR FAILURE TO COMPLY WITH THESE TERMS OR YOUR FRAUDULENT USE OF THE WEB PORTAL.

6.4 IF WE FAIL TO COMPLY WITH THESE TERMS, WE ARE RESPONSIBLE FOR ANY LOSS OR DAMAGE YOU SUFFER WHICH IS A FORESEEABLE RESULT OF OUR BREACH OF THIS AGREEMENT OR OUR GROSS NEGLIGENCE OR WILFULL MISCONDUCT, BUT WE ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT IS NOT FORESEEABLE. LOSS OR DAMAGE IS FORESEEABLE IF IT WAS AN OBVIOUS CONSEQUENCE OF OUR BREACH OR IF IT WAS CONTEMPLATED BY YOU AND US AT THE TIME THAT WE ENTERED INTO THESE TERMS.

6.5 WE DO NOT IN ANY WAY EXCLUDE OR LIMIT OUR LIABILITY FOR:

6.5.1 DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE;

6.5.2 FRAUD OR FRAUDULENT MISREPRESENTATION;

6.5.3 BREACH OF THE TERMS IMPLIED BY APPLICABLE LAWS AND REGULATIONS (INCLUDING, IN THE UK, THE RIGHTS AND REMEDIES PROVIDED TO CONSUMERS UNDER THE CONSUMER RIGHTS ACT 2015); OR

6.5.4 ANY BREACH OF THE TERMS FOR WHICH LIABILITY CANNOT BE LIMITED OR EXCLUDED AS PROVIDED FOR UNDER APPLICABLE LAW.

7. Events Outside Our Control

7.1 Neither you nor Company will be liable or responsible for any failure to perform, or delay in performance of, any obligations under these Terms that is caused by an Event Outside Our Control.

7.2 An "Event Outside Our Control" means any act or event beyond your or our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, virus (unless we have not taken precautionary measures to prevent/minimise damages caused by viruses), cyber attack or failure of public or private telecommunications networks or impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport.

7.3 If an Event Outside Our Control takes place that affects the performance of your or our obligations under the Terms:

7.3.1 you or Company will contact the other party to the Terms as soon as reasonably possible to notify them; and

7.3.2 your or our obligations under the Terms will be suspended and the time for performance of such obligations will be extended for the duration of the Event Outside Our Control. Where the Event Outside Our Control affects our delivery of Services to you, we will arrange a new delivery date with you after the Event Outside Our Control is over.

8. Your Responsibility to Pay Compensation

YOU ARE RESPONSIBLE FOR ALL REASONABLE COSTS INCURRED BY COMPANY RESULTING FROM YOUR VIOLATION OF THESE TERMS OR YOUR VIOLATION OF APPLICABLE LAWS, RULES OR REGULATIONS, UNLESS MANDATORY LOCAL LAW PROVISIONS STATE OTHERWISE.

9. Unsolicited Idea Submission Policy

When you provide us with comments, suggestions, or ideas (collectively, “Feedback”), such Feedback is not considered confidential and becomes the property of Company and you hereby assign and transfer all right, title and interest (including all intellectual property rights) in and to all such Feedback, as and when created, to Company and unconditionally and irrevocably waive for the benefit of Company, its affiliates and their respective assignees all rights which cannot be assigned, including moral rights. We are not obligated to you if you provide such Feedback. We are free to use, copy, or distribute the Feedback to others for any purpose in accordance with our Privacy Policy.

All content of the Web Portal and all content available through the Services, including the designs, text, graphics, images, video, information, applications, software and other files, are exclusively owned by the Company or its licensors. You cannot modify, copy, distribute, reproduce, publish, display, post or sell any part of the Web Portal’s content without the prior written consent of the Company.

10. International Use

You agree to follow all local applicable laws in relation to the Internet, data, e-mail, and privacy, in connection with your use of the Web Portal.

11. Applicable Law

Unless otherwise stated below, these Terms are governed by English law (notwithstanding that there may be some mandatory legal provisions in your local jurisdiction which will nevertheless apply). This means a contract for the use of any of the Services and any dispute or claim arising out of or in connection with it will be governed by English law. You and we both agree that the courts of England will have the non-exclusive jurisdiction. You may also be entitled to certain consumer protection rights under the courts and/or laws of your local jurisdiction.

12. Your Passwords and Account Security

12.1 You agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services. Accordingly, you agree that you will be solely responsible to us for all activities that occur under your account. If you become aware of any unauthorized use of your password or of your account, you agree to notify us immediately.

12.2 You are responsible for using hardware and software which are compatible for use with the Services (including the Web Portal). The hardware and software requirements are specified on the Web Portal.

13. Termination

13.1 These Terms will continue to apply until terminated by either you or us as set out below.

13.2 If you want to terminate your legal agreement with us under these Terms, you may do so by emailing us to request that we close your account at globalidworks@experian.com..

13.3 We may terminate our legal agreement with you under these Terms if:

13.3.1 you have materially breached one or more than one of your obligations under these Terms;

13.3.2 you are engaged in any illegal or improper use of the Services;

13.3.3 we are required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or

13.3.4 you revoke or withhold your consent to these Terms or the processing of your personal data in accordance with the Privacy Notice and Cookies Policy and, as a result, we are no longer able to provide the Services to you.

14. Miscellaneous

14.1 No waiver of any breach of any provision of these Terms or of any agreement with us will constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions. All waivers must be in writing. If any court of competent jurisdiction finds any part or provision of these Terms or of any other agreement between you and us to be invalid or unenforceable, such findings will have no effect on any other part or provision of these Terms or any other agreement between you and us. All waivers must be in writing.

14.2 You confirm that, in agreeing to accept these Terms, you have not relied on any representation made to you other than those contained in these Terms and you agree that, to the extent permitted by law, you shall have no remedy in respect of any such additional representations. These Terms and the Experian Privacy Policy for Identityworks Global Services constitute the whole legal agreement between you and us and govern your use of the Services (excluding any Services which we may provide to you under a separate written agreement), and completely replace any prior agreements between you and us in relation to the Services. Nothing in this clause shall limit or exclude our liability in respect of any fraudulent or negligent misrepresentation whether or not such has become a term of the Terms (or which cannot be excluded under local laws which may apply).

14.3 We may transfer our rights and obligations under these Terms to another organisation, but this will not affect your rights or our obligations under these Terms. We will notify you, and obtain your consent, if so required by applicable law, if this happens.

14.4 These Terms govern the contract between you and us. No other person shall have any rights to enforce any of its terms.

14.5 Each of the clauses of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining clauses will remain in full force and effect.

15. ALTERATIONS OF CLAUSES 2 TO 14 SPECIFIC TO CERTAIN JURISDICTIONS

Please note that if you are a resident (or based, in the case of Poland) of Australia, Canada, Germany, Ireland, Italy, Poland, The Netherlands, Spain, Mexico, Brazil, Malaysia, Sweden, Austria, Finland and Denmark these Terms have full force and effect on our contract with you subject only to the variations that apply to the country which you actually reside in. The variations that apply to each country are as follows:

15.1 AUSTRALIA

15.1.1 If you are resident in Australia, in addition to the rights set out at clause 3.3, you may have the consumer guarantees set out in the Competition and Consumer Act 2010 (Cth).

15.1.2 If you are resident in Australia, in addition to clause 6.5, we do not in any way exclude or limit our liability for the rights and remedies provided to consumers under the Competition and Consumer Act 2010 (Cth) that cannot be excluded by law.

15.2 CANADA

15.2.1 If you are resident in Canada, contrary to clause 2.7, we will notify you of changes to these Terms in respect of Services which you are already enrolled in under contract between us not less than 30 days prior to the change taking effect.

15.2.2 If you are a resident of Quebec to whom the Quebec Consumer Protection Act applies: (i) the provisions of clauses 6 and 8 may not be fully applicable to you; and (ii) contrary to clause 11, these Terms are governed by the laws of Quebec and the Courts of Quebec will have jurisdiction

15.3 GERMANY

15.3.1 If you are resident in Germany, instead of clauses 6.1 to 6.5 applying, our liability for any and all damages and futile expenses will be limited as follows:

15.3.1.1 In cases of intentional acts, malicious non-disclosure of a defect, gross negligence, claims based on damage to life, body or health, and claims under the German Product Liability Act (Produkthaftungsgesetz), our liability will be determined exclusively in accordance with German statutory law.

15.3.1.2 In cases of slight negligence, we will only be liable if we are in breach of such contractual obligations, the fulfilment of which allows for the due performance of this Agreement, the breach of which would endanger the purpose of this Agreement and the compliance with which you may constantly trust in (so-called “cardinal obligations” (Kardinalpflichten)). In such cases, our liability will be limited to typical and foreseeable damages. In all other cases, we shall not be liable for slight negligence.

15.3.2 If you are resident in Germany, clause 8 applies but does not include your violations of these terms if those violations are without fault.

15.3.3 If you are resident in Germany, clause 9 is subject to any German laws which apply to non-waivable rights under German copyright laws.

15.3.4 If you are resident in Germany, contrary to clause 12.1, you agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services. Accordingly, you agree that you will be solely responsible to us for all activities that occur under your account, unless the activity is without fault on your part. If you become aware of any unauthorized use of your password or of your account, you agree to notify us immediately.

15.3.5 If you are resident in Germany, clause 13.3.1 will apply unless the breach is such that under German laws the agreement cannot be terminated.

15.3.6 If you are resident in Germany, please be informed that we do not commit to alternative dispute resolution and we are not required to do so.

15.4 IRELAND

15.4.1 If you are resident in Ireland, contrary to clause 11, you hae the right to seek redress before the Irish Courts.

15.5 ITALY

15.5.1 If you are resident in Italy, we will email you to confirm that a binding contract between us has been formed and this e-mail will contain a copy of these Terms.

15.5.2 If you are resident in Italy, contrary to clause 11, you and we both agree that the Italian courts will have exclusive jurisdiction, subject to our agreement that you are also entitled to bring an action before the English Courts, if you prefer.

15.5.3 If you are resident in Italy, instead of clause 13.3.1 applying, we may terminate our legal agreement with you if you have materially breached one or more of the provisions of clauses: 3, 8, 9, 10, 12.

15.5.4 If you are resident in Italy, and want to cancel your contract with us, please return the Italian Model Cancellation form set out following these Terms to privacy@csid.com

15.6 POLAND

15.6.1 If you are based in Poland, clause 6.4 does not apply and we are responsible towards you for non-performance or misperformance of our obligations on general terms provided for in the Civil Code.

15.6.2 If you are based in Poland, in addition to clause 6.5, we do not in any way exclude or limit our liability for: (i) damage inflicted by us intentionally; or (ii) the rights and remedies provided to consumers under the Civil Code.

15.6.3 If you are based in Poland, contrary to clause 11, you have the right to seek redress before the Polish Courts.

15.7.1 If you are a resident in the Netherlands, contrary to clause 11, you may choose the jurisdiction of the courts of the Netherlands within a period of 1 month after the choice of forum in clause 11 is invoked in writing. If you do not timely choose this alternative jurisdiction, the courts of England shall have jurisdiction.

15.8 SPAIN

15.8.1 If you are resident in Spain, contrary to Clause 11, these Terms are governed by Spanish laws. This means a contract for the use of any of the Services and any dispute or claim arising out of or in connection with it will be governed by Spanish law. The courts of Spain will have exclusive jurisdiction.

15.9 MEXICO

15.9.1 If you are resident in Mexico, by the execution of these terms, the parties are bound to comply at all times with the requirements of the Mexican Data Protection Laws. You acknowledge and agree that we will have access to your information and any other information as we may deem necessary, which will remain subject to our Privacy Notice and Cookies Policy. You and us represent and warrant to the each other that you and us understand the provisions of the Mexican Data Protection Laws and its regulations as well as the terms and conditions of the Privacy Notice and Cookies Policy, and consequently, you and us agree to be liable and comply with such provisions, terms and conditions in connection with the performance of such Party’s obligations pursuant to these Terms. You acknowledge and consent that our Privacy Notice and Cookies Policy is in full compliance with Mexican Data Protection Laws and that the provisions of the Privacy Notice and Cookies Policy fully authorize us to access to your information for the terms set forth therein.

15.9.2 For clarity purposes, the term “Mexican Data Protection Laws”: means collectively (a) the “Ley FederaldeProtección de Datos Personalesen Posesión delos Particulares” of Mexico; (b) all regulations and ancillary norms to the “Ley FederaldeProtección de Datos Personalesen Posesión delos Particulares” of Mexico; and (c) any other laws, regulations and norms of Mexico dealing with the protection of personal data.

15.10 BRAZIL

15.10.1 If you are based in Brazil, in addition to clause 6.5, we do not in any way exclude or limit our liability for the rights and remedies provided to consumers under the Civil Code and Consumer Rights Act 1990.

15.10.2 If you are based in Brazil, contrary to Clause 11, these Terms are governed by Brazilian laws. This means a contract for the use of any of the Services and any dispute or claim arising out of or in connection with it will be governed by Brazilian law. The courts of Brazil will have exclusive jurisdiction.

15.10.3 If you are based in Brazil, contrary to Clause 13, these Termsmay be terminated at any time by any of the parties upon thirty (30) days’ prior written notice.

15.10.4 If you are based in Brazil,by accepting these Terms, the parties are bound to comply at all times with the requirements of the Brazilian current laws. You acknowledge and agree that we will have access to your data and any other data as we may deem necessary, which will remain subject to our Privacy Notice and Cookies Policy, and you may exercise your rights of access, rectification, cancellation and/or opposition in accordance with current laws by contacting us through one of the methods listed below:

15.10.5 SerasaConsumidor's clients users can contact the SerasaConsumidor Customer Relations Center at 11 3003-6300 every day from 8am to 8pm.

15.11 MALAYSIA

15.11.1If you are resident in Malaysia, by the execution of these Terms, the parties are bound to comply at all times with the requirements of the Malaysian Personal Data Protection Act 2010 (Act 709) (“PDPA”). To ensure compliance with the PDPA (as may be revised from time to time), you shall ensure that all confidential information pertaining to personal data furnished to us shall be in full compliance with the PDPA and shall not result in any violation or contravention of the PDPA. You acknowledge and consent that our Privacy Notice and Cookies Policy is in full compliance with PDPA and that the provisions of the Privacy Notice and Cookies Policy fully authorize us to access to your information for the terms set forth therein.

15.11.2 For the purposes of this Clause 15.11, “personal data” shall have the meaning as defined in PDPA.

15.11.3 15.11.3If you are resident in Malaysia, contrary to Clause 11, these Terms are governed by laws of Malaysia. The High Courts of Malaysia will have exclusive jurisdiction.

15.12 SWEDEN

15.12.1 If you are a resident in Sweden, clause 8 applies but does not include your violations of these Terms if those violations are without fault.

1.1.1If you are resident in Sweden, please be informed that we do not commit to alternative dispute resolution and we are not required to do so.

15.13 Austria

15.13.1 If you are resident in Austria, instead of clauses 6.1 to 6.5 applying, our liability for any and all damages and futile expenses will be limited as follows:

15.13.1.1 In cases of intentional acts, malicious non-disclosure of a defect, gross negligence, claims based on damage to life, body or health, and claims under the Austrian Product Liability Act (Produkthaftungsgesetz), our liability will be determined exclusively in accordance with Austrian statutory law and will not be limited by this Agreement.

15.13.1.2 In cases of slight negligence, we will only be liable if we are in breach of such contractual obligations, the fulfilment of which allows for the due performance of this Agreement, the breach of which would endanger the purpose of this Agreement and the compliance with which you may constantly trust in (so-called “cardinal obligations” (Kardinalpflichten)). In such cases, our liability will be determined exclusively in accordance with Austrian statutory law and will not be limited by this Agreement. In all other cases, we shall not be liable for slight negligence.

15.13.1.3 Your statutory warranty rights, as granted by Austrian Law, remain unlimited by this Agreement.

15.13.2 If you are resident in Austria, clause 8 applies but does not include your violations of these Terms if those violations are without fault.

15.13.3 If you are resident in Austria, clause 9 is subject to any Austrian laws which apply to non-waivable rights under Austrian copyright laws. Furthermore, if you are resident in Austria no rights will be transferred or waived and we will not use, copy, or distribute the Feedback to others for any purpose if you explicitly tell us in the Feedback that you do not want to transfer/waive any rights and/or that you do not want us to use, copy, or distribute the Feedback to others. Furthermore, if you are resident in Austria the Company’s consent according to the last sentence of clause 9 does not have to be given in writing in order to be legally binding.

15.13.4 If you are resident in Austria, the choice of law in clause 11 applies, but irrespective of the choice of law, you also enjoy the protection of all the mandatory protective provisions (this includes, in particular, your consumer protection rights) of Austrian Law.

15.13.5 If you are resident in Austria, contrary to clause 11, the courts competent according to Austrian Law will be competent. However, in addition to this, you may file claims against the Company under this Agreement at the competent courts of England and Wales.

15.13.6 If you are resident in Austria, contrary to clause 12.1, you agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services. Accordingly, you agree that you will be solely responsible to us for all activities that occur under your account, unless the activity is without fault on your part. If you become aware of any unauthorized use of your password or of your account, you agree to notify us immediately.

15.13.7 If you are resident in Austria, and want to cancel your contract with us, you may also return the Austrian Model Cancellation form set out following these Terms to globalidworks@experian.com. However, the use of this form is not required, clause 13.2. applies.

15.13.8 If you are resident in Austria, contrary to clause 14.1, waivers by the Company do not have to be in writing.

15.13.9 If you are resident in Austria, clause 14.3 applies but we will only transfer our obligations under this Agreement to a third party if you have consented to this transfer.

15.13.10 If you are resident in Austria, please be informed that we do not commit to alternative dispute resolution and we are not required to do so.

15.14 FINLAND

15.14.1 If you are resident in Finland, contrary to Clause 11, these Terms are governed by Finnish laws, exclusive of its choice of laws principles. This means a contract for the use of any of the Services and any dispute or claim arising out of or in connection with it will be governed by Finnish law. The courts of Finland will have exclusive jurisdiction.

15.14.2 You have the right to seek redress before the Finnish courts. You also have the right to raise a claim with The Finnish Consumer Disputes Board, (https://www.kuluttajariita.fi/fi/) PO Box 306, FI-00531 Helsinki Finland. In order to bring the matter before the Consumer Disputes Board, first contact the Consumer Advisory Services (tel. +29 505 3050, https://www.kkv.fi/kuluttajaneuvonta).

15.15 DENMARK

15.15.1If you are resident in Denmark, these Terms are – contrary to clause 11 – additionally subject to mandatory Danish consumer legislation. Further, you may be entitled to claim that the courts of Denmark shall have jurisdiction pursuant to any applicable choice of forum legislation, including the Danish Administration of Justice Act.

(compilare e restituire il presente modulo solo se si desidera recedere dal contratto)

— Destinatario ConsumerInfo.com, Inc., 475 Anton Blvd., Costa Mesa, California 962626, United States of America, globalIDworks@experian.com:

— Con la presente io/noi (*) notifichiamo il recesso dal mio/nostro (*) contratto di vendita dei seguenti beni/servizi (*)

— Ordinato il (*)/ricevuto il (*)

— Nome del/dei consumatore(i)

— Indirizzo del/dei consumatore(i)

— Firma del/dei consumatore(i) (solo se il presente modulo è notificato in versione cartacea)

— Data

Muster-Widerrufsformular

— An ConsumerInfo.com, Inc., 475 Anton Blvd., Costa Mesa, California 962626, United States of America, globalIDworks@experian.com:

— Hiermit widerrufe(n) ich/wir (1) den von mir/uns (1) abgeschlossenen Vertrag über den Kauf der folgenden Waren (1)/die Erbringung der folgenden Dienstleistung (1)

— Bestellt am (1)/erhalten am (1)

— Name des/der Verbraucher(s)

— Anschrift des/der Verbraucher(s)

— Unterschrift des/der Verbraucher(s) (nur bei Mitteilung auf Papier)

— Datum

Effective Date: December 14 , 2020