Discover® Identity Alerts Terms and Conditions
Discover Identity Alerts are provided by Discover Bank ("Discover"). By agreeing to receive Discover Identity Alerts, you agree to these terms (the "Agreement"). Please review this Agreement regularly because it may change. We will post modifications we make to this Agreement on this page. We reserve the right to stop providing Discover Identity Alerts to you at any time.
Discover Identity Alerts provide you with: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. We will automatically enroll the Social Security Number associated with the Primary credit cardmember for the website monitoring.
This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts and those alerts will be delivered to the primary email address on file. Identity alert services are based on Experian® information and data which may differ from information and data at other credit bureaus.
Discover is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
Who Can Receive Discover® Identity Alerts
You must be a U.S. resident or a resident of America Samoa, Guam, Northern Mariana Islands, Puerto Rico or the Virgin Islands to receive daily monitoring of your Experian® credit report for new accounts listed on the report. Also, you must be at least 18 years old.
In some cases, you may not have an Experian® credit report, in which case we cannot provide alerts. For example, you may not have a report because your credit history may be too new; you may have a foreign address; or you may have key information that is mismatched or missing, such as an address change that has not been updated with the credit bureau.
You must have a valid email address to receive alerts.
Obtaining your Credit Information
You authorize Discover to obtain your credit report and score from one or more credit bureaus. Unless you cancel this authorization, we'll pull fresh credit report information for you daily.
You may cancel your Discover Identity Alerts at any time.
You can get a free credit report annually from Experian, Equifax and TransUnion. For more information go to www.annualcreditreport.com or call 1-877-322-8228.
YOU AGREE THAT YOU ASSUME ALL RISK FOR YOUR USE OF DISCOVER IDENTITY ALERTS, AND THAT THEY ARE PROVIDED "AS IS". DISCOVER DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION AND SERVICES PROVIDED AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS. NO WARRANTY OR REPRESENTATION OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND SERVICES PROVIDED. NO ADVICE OR INFORMATION OBTAINED BY YOU FROM DISCOVER OR THROUGH OR FROM DISCOVER IDENTITY ALERTS WILL CREATE ANY WARRANTY OF ANY KIND.
LIMITATION OF LIABILITY
YOU UNDERSTAND AND AGREE THAT DISCOVER AND ITS SUPPLIERS AND EACH OF THEIR RESPECTIVE OFFICERS, DIRECTORS AND EMPLOYEES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR USE, OR INABILITY TO USE THE PRODUCTS, MEMBERSHIP BENEFITS, OR CONTENT EVEN IF DISCOVER OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGEEEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGEE PERMITTED BY APPLICABLE LAW.
You agree to indemnify, defend and hold harmless Discover, its affiliates and their respective officers, directors, employees, agents, successors and assigns from and against any actual or alleged claims or losses arising from, in connection with, or based on allegations whenever made of, any of the following: your breach of this Agreement; your use of Discover Identity Alerts; any claim that your use of your Discover Identity Alerts violates any applicable law; or any claim arising out of, or in connection with, your negligent acts or omissions. This obligation shall survive the termination or expiration of this Agreement. You will cooperate as fully as reasonably required in the defense of any claim. Discover reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.
DISCOVER and the other trademarks, logos, and service marks displayed on Discover Identity Alerts are the trademarks of Discover, its affiliates or their respective third party owners. Under no circumstances may you alter, modify, or change these trademarks. You are prohibited from using these trademarks for any purpose without written permission.
Third Party Beneficiaries
Either of us, including any of the Discover family of companies, is entitled to enforce rights under these terms. Otherwise, no other person or company will be a third party beneficiary to these terms.
If we need to, we may assign rights under this Agreement to another party. You may not assign your rights under this Agreement.
You agree that unless you have rejected the arbitration of disputes section of your Discover Cardmember Agreement, that section is incorporated into these terms and conditions and shall apply to any dispute arising from or relating to the product or the content.
Discover Bank, Member FDIC