Products & Services / ID Theft Protection / ID Theft Terms

Identity Theft Benefit Terms of Services

1. Services will be extended to account holders at the discretion of Guthrie Federal Credit Union and may be canceled upon 30 days notice to the account holder.

2. Services extend to all named account holders, their spouse or domestic partner, dependents up to age 25 with the same permanent residence address as the account holder, including students and military, and parents of the account holder living at the same address as the account holder, or living in hospice, assisted living, nursing home or deceased for 12 months or less.

3. Eligibility for recovery services is based on ID theft events that are discovered and reported to Guthrie Federal Credit Union on or after the effective date of the group program.

4. Identity Theft is defined as fraud that involves the use of a consumer’s name, address social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.

5. Recovery Services may be refused or terminated if it is deemed that the account holder or eligible family member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.

6. Guthrie Federal Credit Union and/or its service provider of the identity theft services cannot be held responsible for failure to provide or for the delay in providing services when such failure or delay is caused by conditions beyond its control.

7. This service does not provide credit counseling or repair to credit which legitimately belongs to the accountholder or eligible family member.

8. Services are only available to the residents of the United States. Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.

9. Services are provided by Merchants Information Solutions, Inc., www.merchantsinfo.com or an alternate Services Provider selected at the sole discretion of Guthrie Federal Credit Union.