What is this benefit?
The Personal Identity Theft benefit provides reimbursement for covered expenses you incur to restore your identity, up to a maximum of fifteen thousand ($15,000.00) dollars, as a result of a Covered Stolen Identity Event. Theft or unauthorized or illegal use of your name, transaction card account or account number, Social Security number, or any other method of identifying you, is considered a “Covered Stolen Identity Event.”
Who is eligible for this benefit?
You are eligible for this benefit if you are a valid UBS Preferred Visa Signature credit cardholder whose name is embossed on an eligible U.S.issued Visa card, and you reside in the United States or Canada.
What is covered?
Covered costs/expenses under this benefit are:
• Costs to re-file applications for loans, grants, or other credit or debt instruments that were originally rejected by the lender solely on the basis of incorrect information the lender received as a result of a Covered Stolen Identity Event
• Costs to report a Covered Stolen Identity Event or to amend or correct records with your true name or identity as a result of a Covered Stolen Identity Event: including costs incurred for notarizing affidavits or other similar documents, costs for long- distance telephone calls, and costs for postage
• Costs for a maximum of four (4) credit reports requested as a result of a Covered Stolen Identity Event from any entity approved by the Benefit Administrator
• Actual lost wages for your time away from your work premises solely as part of your efforts to amend or rectify records as to your true name or identity as a result of a Covered Stolen Identity Event
• Reasonable fees for an attorney appointed by the Benefit Administrator and related court fees approved by the Benefit Administrator for suits brought against you by a creditor or collection agency or similar entity acting on behalf of a creditor for nonpayment of goods or services or default on a loan as a result of a Covered Stolen Identity Event
What is not covered?
• Any dishonest, criminal, malicious, or fraudulent acts by you Any damages, loss, or indemnification unless otherwise stated in this Guide to Benefits
• Costs associated with any legal action or suit other than those set forth in this Guide to Benefits
• Sick days and any time taken from self-employment
• Any costs as a result of theft or unauthorized use of an account by a person to whom the account has been entrusted
Where am I covered?
Payment for covered costs will be limited to costs incurred in the United States, its territories and possessions, Puerto Rico, or Canada.
Filing a Personal Identity Theft Claim How do I file a claim?
Immediately call the Benefit Administrator at 1-866-679-5660, or
call collect outside the U.S. at 303-967-1096 when you have reason to believe a Covered Stolen Identity Event has occurred. Provide information including, but not limited to, how, when, and where the Covered Stolen Identity Event occurred. The Benefit Administrator may also require other information or documents about the event.
What documents do I need to submit with my claim?
A signed, sworn proof of loss or affidavit containing the information requested by the Benefit Administrator must be submitted within sixty (60) days.
How will I be reimbursed?
Once your claim has been verified, under normal circumstances, you will be reimbursed within five (5) business days of receipt and approval of all your required documents.
Do I have to do anything else?
• If you reasonably believe that a law may have been broken, you must promptly file a report with the police.
• You must take all reasonable steps to mitigate possible costs, including cancellation of any affected debit, credit, or similar card in the case of a Covered Stolen Identity Event.
Additional Provisions for Personal Identity Theft
This benefit applies only to you, the primary eligible Visa cardholder. You must use due diligence and do all things reasonable to avoid or diminish any loss of or damage to property protected by the benefit. If you make any claim knowing it to be false or fraudulent, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
Once you report a Covered Stolen Identity Event, a claim file will be opened and shall remain open for six (6) months from the date of the Covered Stolen Identity Event. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within six (6) months of the Covered Stolen Identity Event.
After the Benefit Administrator has paid your claim of loss or damage, all your rights and remedies against any party in respect of this loss or damage will be transferred to the Benefit Administrator to the extent of the payment made to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
No legal action for a claim may be brought until sixty (60) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of this Guide to Benefit have been complied with fully.
This benefit is provided to eligible Visa cardholders at no additional cost and is in effect for acts occurring while the benefit is in effect. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefits will not apply to Visa cardholders whose accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew this benefit, and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider.
FORM #VPID – 2013 (04/14) PIT-O
Identity theft resolution services
What are Personal Identity Theft Resolution Services?
Personal Identity Theft Resolution Services provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft.
Who is eligible for this coverage?
To be eligible for this coverage, you must be a valid UBS Preferred Visa Signature cardholder, whose name is embossed on an eligible card, and who resides in the United States.
How can I access these services?
Simply call (877)-319-4403 or 240-330-1541 (collect) if you believe you have been a victim of Identity Theft.
What are the services provided?
Services provided are on a 24-hour basis, 365 days a year. They include:
• Providing the cardholder with a uniform Identity Theft Affidavit and providing assistance with completion of the Affidavit. It is the responsibility of the cardholder to submit the Affidavit to theproper authorities, credit bureaus, and creditors.
• Notifying all three major credit reporting agencies to obtain a complimentary credit report for the cardholder and placing an alert on the cardholder’s record with the agencies.
• Assisting the cardholder with credit and charge card replacement.
• Educating the cardholder on how Identity Theft can occur and of protective measures to avoid further occurrences.
• Providing the cardholder with the Identity Theft Resolution Kit.
• Providing the cardholder with sample letters for use in canceling checks, ATM cards, and other accounts.
Is there a charge for these services?
No, your financial institution provides these to you at no extra cost.
When are services not provided?
• When it is determined you have committed any dishonest, criminal, malicious, or fraudulent act.
• When your financial institution or card issuer, which provides this service, has investigated the event and deemed you are responsible for the charge or event.
• When any theft or unauthorized use of an account by a person to whom the account has been entrusted has been committed.
Program provisions for personal identity theft services:
This service applies only to you, the primary eligible cardholder. You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by the program.
The provider, Europ Assistance USA, relies on the truth of statement made in the Affidavit or declaration from each cardholder. This service is provided to eligible cardholders at no additional cost and is in effect for acts occurring while the program is in effect. The terms and conditions contained in this program guide may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide mailings, statement inserts, or statement messages. Your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the Provider non-renews or cancels any services provided to eligible cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar coverage takes effect without interruption, no such notice is necessary.