Summary Description of Benefits
for Personal Internet & Identity Coverage Policy

This Summary is provided to inform those customers of certain programs of TransUnion Canada., in Canada, about insurance benefits under a policy of Personal Internet and Identity insurance owned by Trans Union of Canada, Inc., and as is identified below (the “Policy”).  This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Policy.  The payment of benefits will be subject to all of the terms, conditions, and exclusions of the Policy, even if they are not mentioned in this Summary.  A complete copy of the Policy will be provided upon request.

The Policy has been issued to: Trans Union of Canada, Inc. (the “Policyholder ”)•

Policy Number: 01-000-21-66  underwritten by: AIG Insurance Company of Canada at 120 Bremner Boulevard, Suite 2200,  Toronto, Ontario M5J 0A8 (the “Company ”) to provide insurance benefits as described in this Summary.

General Information

Should you have any questions regarding the Membership Program provided by the Master Policyholder, or wish to view a complete copy of the Master Policy, please call the customer service number at 800-508-2597 located in your membership materials.

Limit of Insurance Per Insured

Annual Aggregate Limit of Insurance:           $ 50,000 per policy period
Lost wages limit:                                      $ 2,000   per week, for a maximum of 5 weeks

Travel Expenses:                                     $ 2,000   per policy period

Elder Care and Child Care:                        $ 2,000   per policy period

Initial Legal Consultation:                          $ 1,000   per policy period

Deductible                                              $ 0          per policy period

When Coverage Begins and Ends

You are covered for stolen identity events only which are first discovered  while the Policy is in effect and while you are a customer of a program of the Policyholder which is insured under the Policy.

If the Policy is terminated, the insurance will cease effective that date, without notice.  The Policy automatically terminates, without notice, in the event of the insolvency or bankruptcy of the Policyholder or in the event of non-payment of premium.

Filing a Claim

If you have any questions regarding the identity theft insurance coverage or wish to file a claim under the Master Policy, please contact the Insurer at 877-890-1946 for assistance. 

The Policy provides benefits to you only if you report a stolen identity event to us as soon as you become aware of a stolen identity event, but in no event later than one hundred and twenty (120) days after the stolen identity event is first discovered and you follow the instructions given to you in a claims kit that you will be provided.  These instructions will include notifying major credit bureaus and appropriate law enforcement authorities.  This Claims Kit will also instruct you how to file a claim under the Policy if the stolen identity event results in losses covered under the Policy. 

Covered Losses

Stolen Identity Event

We shall pay you for the following:

1. Costs

   1. Reasonable and necessary costs incurred by you in Canada for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of the stolen identity event;
   2.  Reasonable and necessary costs incurred by you in Canada for commissioning affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report a stolen identity event and/or amend or rectify records as to your true name or identity as a result of a stolen identity event;
   3. Reasonable and necessary costs incurred by you for ordering medical records for the purpose of amending and/or rectifying these documents as a result of a stolen identity event;
   4. Reasonable and necessary costs  for elder care or child care incurred as a result of your efforts to amend or rectify records as to an  insured’s true name or identity;
   5. Reasonable and necessary  costs of travel within Canada incurred as a result of your efforts to amend or rectify records as to an insured’s true name and identity;
   6. Reasonable and necessary costs incurred by you for ordering medical records for the purpose of amending and/or rectifying these documents as a result of a stolen identity event;
   7. Reasonable and necessary costs incurred by you for the replacement of identification cards, drivers licenses and passports as a result of a stolen identity event; and
   8. Reasonable and necessary costs incurred by you associated with the use of any certified public accountant engaged to amend or rectify records as to your true name or identity as a result of a stolen identity event.  We reserve the right to select such certified public accountant; however, with our express prior written consent, you may select such public accountant.

2. Lost Wages

   Actual lost wages earned in Canada, whether partial or whole days, for time taken off work and away from your work premises solely as a result of your efforts to amend or rectify records as to your true name or identity as a result of a stolen identity event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days and excludes business interruption or future earnings of a self-employed person. Computation of lost wages for such self-employed persons must be supported by, and will be based on, prior year tax returns. Coverage is limited to wages lost within twelve months after discovery of the stolen identity event and is limited to the lost wages limit set out in the Policy and this Summary.

3. Legal defense fees and expenses

   Costs for reasonable fees for legal counsel appointed by us and related court fees, incurred by you with our consent, for:

   1. Any suit brought against you by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of the stolen identity event;
   2. Removing any civil judgment wrongfully entered against you as a result of the stolen identity event;
   3. Defending criminal charges brought against the insured as a result of a stolen identity event; provided, however, we will only pay criminal defense related fees and expenses after it has been established that the insured was not in fact the perpetrator;
   4. Challenging the accuracy or completeness of any information in the insured’s medical history as a result of a stolen identity theft; and
   5. An initial consultation with a lawyer to determine the severity of an appropriate response to a stolen identity event.

Coverage Scope

You will only be covered if a stolen identity event is first discovered while you are a customer of the Policyholder’s insured program and the event is reported to us within one hundred and twenty (120) days..   You will not be covered if the stolen identity event is first discovered before you are covered under the Policy, after termination of the Policy or when you are not a customer of the Policyholder’s insured program.

Limits of Insurance

The most we shall pay you are the limits of insurance set out in the Policy and this Summary.  All legal defense fees and expenses are deducted from the aggregate limits of insurance.  LEGAL DEFENSE FEES AND EXPENSES ARE PART OF, AND NOT IN ADDITION TO, THE LIMIT OF INSURANCE.

The lost wages, travel expenses, initial legal consultation, and elder care/child care limit shown above is a sublimit of the aggregate limit of insurance and is the most we shall pay you for lost wages, initial legal consultation and elder care/child care. 

Deductible

The Company shall be liable only for the amount by which each loss exceeds the applicable deductible amount.  The deductible applies to each and every loss and shall have no aggregate limit.

1.     You shall be responsible for the applicable deductible amount set out in the Policy and this Summary and you may not insure against it.

2.   You shall be responsible for only one deductible during any one policy period.

Exclusions

For a complete description of the exclusions please request a copy of the Policy.  The Policy does not cover losses arising directly or indirectly from dishonest acts of the insured, bodily injury to the insured, war or terrorism, pollution, claims not reported within one hundred and twenty (120) days after first discovery of a stolen identity event.

Other Insurance

We shall be excess over any other insurance, including, without limitation, homeowner’s or renter’s insurance.  If you have other insurance that applies to a loss under the Policy, the other insurance shall pay first.  The Policy applies to the amount of loss that is in excess of the limit of insurance of your other insurance and the total of all your deductibles and self-insured amounts under all such other insurance.  In no event shall we pay more than our limits of insurance as shown above.

Duplicate Coverages
Should you be enrolled in more than one program insured by us, or any of our affiliates, we will reimburse you under each such program:

1. subject to the applicable deductibles and limits of insurance of each insured program
2. but in no event shall the total amount reimbursed to you under all such programs exceed the actual amount of loss. 

Definitions

For a complete description of the exclusions please request a copy of the Policy. 

1.  “Stolen identity event” means the  fraudulent use of the insured’s personal identification, social insurance number, or other method of identifying the insured. This includes the fraudulent use of the personal identity of the insured to establish credit accounts, secure loans, enter into contracts or commit crimes..  Stolen identity event shall not include the fraudulent use of the insured’s business name, d/b/a or any other method of identifying any business activity of the insured.  Stolen identity event shall also include Medical identity theft.
2. “Insured” means the natural person on record with the Policyholder as being enrolled in an insured program and who is enrolled in such a program of the Policyholder at the time of a covered event.
3.  “Program” means a program sponsored by the Policyholder and that is specifically named within an endorsement attached to the Policy.
4. “Policy period” means the period described under the section in this Summary called “When Coverage Begins and Ends”