McAfee Identity Theft Protection Services - Overview

1.  Summary
2.  Identity Theft Protection Terms
3.  Additional Terms for Free McAfee Identity Theft Protection Essentials
4.  Summary of Identity Fraud Reimbursement Coverage



What is McAfee Identity Theft Protection?

With identity theft incidents hitting record-highs, now is the time to get the protection you need from a name you trust.  McAfee Identity Theft Protection (IDTP) helps you keep tabs on a wide range of personal information with always-on monitoring and recovery tools so you can keep your identity close and personal.


Find the plan that’s right for you. 

IDTP is designed to accommodate every lifestyle, so you don’t have to pay for more than you need.  Choose from Essentials (not available in all markets), Standard, Plus and Premium.   Go here to learn more about what’s included in each package.  

Identity Theft Protection Terms


1.     Your subscription to McAfee Identity Theft Protection is subject to our License Agreement and Privacy Notice.   


2.     Identity Fraud Reimbursement Coverage is subject to the terms summarized below.   Certain offers have lower limitations for both the total reimbursement and the stolen funds reimbursement.  Review your transaction documents to verify your coverage caps.


3.     By enrolling and using the credit, financial, cyber and other monitoring features you certify that you shall only use the features to monitor accounts and information associated with your personal information.


4.     Disclaimer:  While McAfee Identity Theft Protection provides you tools and resources to protect yourself from and recover from identity theft, no identity can be completely secure.  McAfee is not responsible for any loss or damages incurred as a result of identity theft.  See the EULA for additional disclaimers of warranty and limitation of liability.


Additional Terms for Free McAfee Identity Theft Protection Essentials


1. Free IDTP Essentials is only valid for qualifying products and specified languages and countries, as set out in our System Requirements.


2. You must either have a qualifying free trial or a paid subscription with a participating partner, and you must be enrolled in automatic renewal (turned on) and your account must have a valid credit card, debit card, or other payment mechanism on file. 


3. The free subscription will be granted to the registered McAfee account holder. 


4. You may be required to enroll to activate all or some of the features.  If eligible, you will receive enrollment instructions. 


5. This offer is not available for Small Business or Enterprise products and services.


6. Eligibility ends when either your free trial or your paid subscription ends. If you opt-out of auto-renewal you will not be entitled to Free IDTP.


7. Your subscription is subject to our EULA and Privacy Notice.   


8. Identity Fraud Reimbursement Coverage is subject to the terms below and is limited to $100,000 total coverage which includes a $10,000 limit for reimbursement of stolen funds.  


9. You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute, but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.



Identity Fraud Reimbursement Coverage


We will reimburse the subscriber for financial losses, expenses, and legal costs incurred by the subscriber.  Certain offers have lower limitations for both the total reimbursement and the stolen funds reimbursement.  Review your transaction documents to verify your coverage caps.  Reimbursement is provided as a result of the following:


Fraud or Embezzlement

Loss arising out of fraud or embezzlement perpetrated against the subscriber, during the term of the program.



Loss resulting directly from theft of property related to the subscriber's information, checkbook, savings record, ATM access, etc. by a person from whom the subscriber purchased goods or services.



Loss resulting directly from forgery or alteration of checks, drafts, promissory notes, or similar written promises drawn upon the subscriber’s account.


Data Breach

Loss resulting directly from the misuse of subscriber's information as a result of a data compromise of information from a financial institution, a credit reporting agency, a credit grantor or a securities firm wherein monies are stolen from the subscriber’s account.


Stolen Identity Event

Loss resulting from a stolen identity event occurring on or arising out of the use of the Internet. The occurrence must be during the term of the program.


Unauthorized Electronic Fund Transfer aka "Stolen Funds"

Stolen funds loss incurred by the subscriber as the direct result of an unauthorized electronic fund transfer. Varying limitations apply depending on your subscription. Review your transaction documents to verify your coverage.


Covered Expenses (as a result of the identity fraud)

1. Costs incurred by the subscriber for re-filing applications for loans, grants, or other credit that are rejected solely because the lender received incorrect information.


2. Costs for notarizing affidavits, incurring long distance telephone calls, travel and postage reasonably incurred as a result of the subscriber's efforts to report an identity fraud and/or amend records.


3. Costs for contesting the accuracy or completeness of any information contained in a credit report.


4. Payment for reasonable expenses incurred that were a result of recovery from an identity fraud such as; credit freeze, credit thaw costs, transcript costs, appeal bond, court filing fees and expert witness fees.


5. Lost base wages that would have been earned, for time reasonably and necessarily taken off work solely as a result of efforts to amend or rectify records as to the subscriber's identity. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days but not for sick days or any cost arising from time taken from self-employment.


6. Child or elderly care costs that would have otherwise not been incurred, resulting from time reasonably and necessarily taken away from providing such care as a result of efforts to amend or rectify records as to the subscriber's identity.


Covered Legal Costs

Costs for reasonable fees for an attorney with either prior approval by us or costs up to $125.00 per hour for an attorney selected by the Subscriber and related court fees, incurred by the Subscriber for:


a. Defense of any legal action brought against the subscriber by a merchant, creditor or collection agency or entity acting on their behalf for non-payment of goods or services or default on a loan.


b. Defense of or the removal of any criminal or civil judgments wrongly entered against the subscriber.


c. Challenging the accuracy or completeness of any information in a consumer credit report.



A. loss due to any fraudulent, dishonest or criminal act by the subscriber or any person acting in concert with the subscriber, or immediate family subscriber, whether acting alone or in collusion with others.


B. loss resulting directly or indirectly from errors or omissions occurring in the input of data to any computer system and/or processing of any data within a computer system.


C. loss resulting directly or indirectly from the voluntary surrendering by the subscriber of any access device, in whole or in part, to any person or entity.


D. loss resulting from any unintentional clerical error in the transfer from or debit of any account of the subscriber which is initiated by a financial institution, or any employee(s) thereof.


E. loss in connection with any pre-authorized transfer from any account to or for the benefit of a financial institution, or to any other account of the subscriber.


F. loss arising out of business pursuits of the subscriber.


G. loss of valuable papers, valuable documents, jewelry, silverware and other personal property including the philatelic value of stamps and the numismatic value of coins not in circulation.


H. property damage, bodily injury or personal injury.


I. losses incurred from financial performance of any investment of financial product.



Upon knowledge or discovery of loss that may give rise to a claim under the terms of the program agreement, the subscriber is responsible for the following:


A. Give notice as soon as practicable to: (a) the appropriate authority and affected institutions, if applicable; and (b) us or any of our authorized agents. If the loss involves a violation of law, the subscriber shall also notify the police. The subscriber must submit a copy of the police report when filing a claim.


B. File detailed proof of loss, duly sworn to, with us within 60 days after the discovery of loss.


C. Upon our request, submit to examination by us, and subscribe the same, under oath if required.


D. Upon our request, cooperate to help us enforce legal rights against anyone who may be liable to the subscriber to include giving evidence and attending depositions, hearings and/or trials; producing for our examination all pertinent records; and cooperating with us in all matters pertaining to loss or claims; all at such reasonable times and places as we shall designate.


E. The subscriber shall not voluntarily assume or admit any liability, nor, except at said subscriber's own cost, voluntarily make any payment or incur any expense without our prior written consent, (such consent not to be unreasonably withheld).


F. The subscriber shall keep books, receipts, bills, and other records in such manner that we can accurately determine the amount of any loss. At any time subsequent to the reporting of the loss to us, we may examine and audit the subscriber's books and records as they relate to a loss under the policy on record with the insurance company.


NOTE: The above summation of our Identity Theft Reimbursement Coverage is designed to provide general information only. While every effort has been made to ensure that the information provided is accurate, this information is provided without any representation or warranty of any kind about its accuracy. All descriptions of coverage are subject to the terms, conditions and exclusions of the individual policy on file with the insurance company. This policy is available upon request.