Disclosures:

1. To be eligible for Commerce ID Recover and Commerce ID Monitor, you must have a Commerce personal checking account, reside in the United States or its territories, and be a legal adult in your state of residence. The Service applies to the Commerce personal checking account holder and the spouse or domestic partner (a person who, although not legally married to the registered Customer, has cohabitated with the Customer for a period of at least one (1) year and is publicly represented as the Customer’s domestic partner in the community in which they reside), dependent children under the age of 21 who live with the Customer and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.
2. Limited to your spouse, domestic partner or dependent child. Please see ‘Affiliated Persons’ in Terms and Conditions for more information.
3. The use of your name, address, Social Security number, bank or credit card account number, or other identifying information without your knowledge to commit fraud or other crimes.
4. Proactive monitoring by scanning for your personal information on the internet/dark web.
5. Proactive monitoring through daily scans of your credit file.
6. Mobile device threat detection and access to a VPN (Virtual Private Network).
7. Up to $25,000 reimbursement for identity theft related expenses. Please refer to the Terms and Conditions for additional reimbursement requirements provided by AIG.
8. Keep your user IDs and passwords in one encrypted location for easy access from your phone.
9. Encrypted data storage for uploading and storing personal documents
10. Breach and fraud news alerts; monthly reports.