DIGITAL SECURE

Welcome Pack

ContentsService Summary 4 - 6

Service Document 7 - 27

Card Support 365 10

ID Fraud Helpline 12

Keystroke Encryption Software 14

Web Detect 16

Online Credit Report Access 19

Legal Assistance 21

Other Information 24

2

Digital Secure provides a great collection of benefits that will help protect you from cybercrime, fraudsters and more.

It is important to spot any suspicious activity as early as possible. Digital Secure helps you to stay one step ahead of fraudsters by providing you with services that help protect your personal details and allow you to spot early signs of fraudulent activity. We’ll alert you if we think your personal details may have been compromised and if there are any key changes to your credit report details. We will then offer advice and support to you so that you can minimise the impact and help restore your credit file should the worst happen.

This booklet contains all of the information you need to get the most out of your Digital Secure service. We recommend that you take a few minutes to read through it as soon as you can. There are a few things you need to do before you can take full advantage of all the Digital Secure benefits. If you have any questions about your benefits you can visit protectyourbubble. my-hubb.co.uk or give us a call on 0333 220 6959*.

Once you have read through this guide we recommend storing it somewhere safe for future reference.

Welcome to Digital Secure

33

Service Summary

Key benefits of Digital Secure

Card Support 365

Imagine how stressful it could be if you lost your purse or wallet containing all of your payment cards and you then had to contact each of your card issuers separately to cancel the card? With Card Support 365, if your payment cards go missing, all you need to do is call 0333 220 6959* (or +44 333 333 6657 if you are abroad), 24 hours a day, 7 days a week, 365 days a year and we will contact the issuers to cancel your cards for you. Where the issuer allows it, we can even order replacements for you too.

ID Fraud Helpline - Advice, assistance and information

The thought of becoming a victim of identity fraud can be an unappealing one. It can be hard to know what to do to reduce the chance of this happening and harder still to know where to start if the worst were to happen. Imagine receiving a letter from a company telling you about a new credit agreement in your name that you did not set up? Our dedicated website protectyourbubble.my-hubb.co.uk includes a risk calculator and some useful information to help reduce your chances of becoming a victim of identity fraud. If you need to speak to somebody, advice is also available over the phone through our fraud helpline on 0333 220 6959*. If you are worried that your personal information could be at risk or think that you may be a victim of identity fraud, we’ll assign a dedicated case specialist to work with you to help restore your identity and secure your personal information.

CIFAS Registration

Even after noticing that you’ve been a victim of identity fraud, criminals could still be actively taking out credit in your name. To help prevent this from happening, we can file a protective registration with CIFAS on your behalf. CIFAS is the UK’s fraud prevention service, dedicated to the prevention of financial crime. CIFAS provides the UK’s most comprehensive databases of confirmed fraud data, as well as an extensive range of fraud prevention services, using the latest technology to protect organisations from the effects of fraud.

A protective registration with CIFAS will place a warning flag against your name and personal details in their National Fraud Database. This tells other organisations that use CIFAS you are at risk and to carry out further checks when applying for one of their products or services to help ensure it’s really you who’s applying and not a criminal using your details.

4

Keystroke Encryption Software

It’s possible that criminals can monitor what you type in to web pages. Imagine your typical activity when using the internet – criminals could obtain your internet banking login details, the payment card details you use when shopping and your social networking login details (and therefore access to pictures of you, or your friends and family). Software that allows criminals to do this can often be contained in emails or websites that may look like they are from a trusted source. To stop a criminal from being able to access the personal details that you are often required to enter online, we’ll provide you with software to download on up to 3 PCs or Laptops which offers protection against the monitoring software that can be contained in these emails or websites.

Once the software has been downloaded, every time you use your keyboard, the information you enter will be put into a file that is password protected, keeping out anyone who doesn’t have permission to see it.

Web Detect

As you use the internet to manage more of your life, there are lots of different ways in which criminals can get access to your personal data. If you know which personal details criminals have access to, you can take steps to prevent them from being used to commit identity fraud. To help you do this, we’ll continually monitor your personal details against known criminal networks and sites around the world to ensure that none of your details are detected. Should we find an indication that your details are present in any of our monitored sources, we’ll send you an email alert so you can take action if required.

We’ll automatically begin to monitor your email address and phone number where you have already provided them to us. Through protectyourbubble.my-hubb.co.uk you can also add further personal details to be monitored by this service, such as your Credit or Debit Cards, Bank Details, Driving Licence and National Insurance Number. If you prefer, you can also request to receive activity alerts by SMS.

Online access to your Credit Report

Your credit report and credit score, provided by Equifax, can be used to give an early indication if your details have been used to take out credit in your name. Your credit report details all of your financial commitments and other factors that influence your credit score, i.e. how long you have been on the electoral role at your current address. Your credit score is a numerical expression of how creditworthy you are and is mostly calculated from the information contained in your credit report.

We will provide you with easy access to your up-to-date credit report and credit score. We make it easy for you to understand what aspects affect credit - and how you can change this to help you get the credit or loan that you want.

We will automatically enrol you on to this benefit with the details that you provided when you purchased the Digital Secure service. We recommend that you check your credit report and credit score regularly to ensure that all of the activity within your report has been carried out by you and not someone using your details without your knowledge.

If any significant changes happen to your credit profile, you will automatically receive on email alert. If you need additional support, our helpline can give you advice on how to manage, improve and even repair your credit score.

Equifax provides your credit report. Assurant Solutions does not act on your behalf to ascertain or advise in connection with your personal information that is held by Equifax. In accordance with the

5

provided terms, any requests for information held, or for the addition, correction, or modification of such information are made by you direct to Equifax.

Legal Assistance

Should you ever feel that you need to speak to a solicitor, we can help put you in touch with the right one local to you. The first consultation with your chosen solicitor is free and then if you choose to instruct the solicitor further, you will receive discounted rates on your legal fees.

Our website at protectyourbubble.my-hubb.co.uk makes it easy for you to find the right local solicitor that specialises in the area of law that you require and arrange your free initial consultation. You can view profiles of our partnered solicitors to help choose the right one for your needs. You will also find lots of useful information and guides on our website that offer hints and tips for a range of common legal matters.

EligibilityAny permanent UK resident aged 18 years or over can purchase Digital Secure from Protect Your Bubble when purchasing gadget insurance at point of sale. Please take time to familiarise yourself with the content of this Summary. For full details of all the terms, conditions and limitations please refer to the Service Document.

Assurant Solutions, which is a trading name of Lifestyle Services Group Limited (we, I, us, our) arrange and service the products that make up Digital Secure. Please read this document carefully.

PriceDigital Secure is provided for a fixed fee of £1.99 per month or an annual fee of £23.88.

DurationThis service will continue for as long as you wish and will require renewal at 12 months. You will need to cancel by calling 0333 2206 959*if you decide you no longer want this service.

RenewalYour Digital Secure benefit is for 12 months. You will be sent a reminder at least 28 days prior to the expiration date. If you pay monthly you will need to call us, to tell us you will not be renewing your service. If you are an annual payer, you will need to call us to renew your Digital Secure benefit to continue using the service.

Cancelling the serviceYou are able to cancel Digital Secure within 14 days of purchasing this product. You will receive a full refund of the last payment you have paid provided that you have not used the benefits.

If you have used the benefits, we will be entitled to retain some of your payment, which represents the amount of time that you have had the service.

6

After the initial 14 days, you have the right to cancel this Digital Secure service at any time. Cancelling your Protect Your Bubble Gadget Insurance will not automatically cancel this product. You will need to ask for Digital Secure to also be cancelled if you do not want to continue with this service.

It will cancel with immediate effect and you may be entitled to a pro-rata refund of any annual payment already made. If you are making monthly payments, no refund will be issued.

If the service does not meet your requirements, you can cancel by phoning us on 0333 220 6959*. We may cancel access to this service with immediate effect by registered letter to you at your last known address for any other valid reason such as to respond proportionately to changes in the law, industry guidance or codes of practice, or to proportionately reflect other legitimate cost increases or reductions associated with providing the service.

Making an enquiry or complaintWe will always be fair and reasonable. Should there ever be an occasion when you feel that we have not provided you with a satisfactory level of service, we would like you to inform us so that we can do our best to solve the problem.

We will do everything possible to ensure that your query is dealt with promptly. The easiest way to contact us is to call our Customer Relations team on 0333 220 6959*. Alternatively, you can write to us at the following address, quoting your name, address and Customer Reference in all correspondence: Digital Secure, Customer Relations, PO Box 98, Blyth NE24 9DL.

Our staff will attempt to resolve your query immediately. If this is not possible, we promise to acknowledge your query within 5 working days of receiving it. In the unlikely event that your query has not been resolved within 4 weeks of us receiving it, we will write and let you know the reasons why, and what further action we will take. Once we have resolved your query, we will confirm our response in writing.

If your complaint relates to a firm who supplies one of the benefits within this Digital Secure service, your complaint will be forwarded to the firm to be dealt with in accordance with their own complaints handling procedures. These procedures are subject to the principles of their own regulations however we do work to strict service level agreements with our chosen firms so would be grateful if you do let us know if you are unhappy.

7

Service Document

This section of the booklet contains all of the information you need to get the most out of your Digital Secure service.

Please take time to familiarise yourself with the content of this document.

Any permanent UK resident aged 18 years or over can purchase Digital Secure from Protect Your Bubble when purchasing gadget insurance at point of sale

How to access Digital Secure

To access the Digital Secure service, you must register your details with us by following the link in your welcome email and providing:

• Your first name and surname

• Your postcode

• Your date of birth.

We will also ask you to register with Equifax, our chosen credit reference agency and Law Match, the provider of your legal assistance benefit. Upon doing this they will provide you with personal login details.

Please ensure you keep your log in details secure and confidential.

There is further information on each part of the Digital Secure service in this booklet.

If you would like to contact our Helpline, please call 0333 220 6959*. Lines are open:

Monday – Friday 8.00am – 8.00pm

Saturday – Sunday 9.00am – 6.00pm

8

Have you...Registered your card details with Card Support 365?

Activated your Online Credit Report access?

Downloaded Keystroke Encryption software to all your devices?

Registered for Law Match?

Registered with Web Detect?

9

Please ensure that you quote your Digital Secure Customer Reference and your full name and address when you call. You will be asked security questions to verify your identity.

If you prefer, you may write to: Digital Secure, Customer Services, PO Box 98, Blyth NE24 9DL.

Card Support 365You can have peace of mind when it comes to your payment cards knowing that Card Support 365 is always on hand to help. If your cards are lost or stolen, we can cancel your missing cards in just one phone call. Where your card issuer allows us, we can even order replacement cards too.

Card Support 365 is quick, straightforward and stress free. If you lose your bank cards all you need to do for a speedy resolution is call 0333 220 6959* any time, any day, 365 days a year.

Next move: register your card details in advance by calling 0333 220 6959*. This will help us to cancel your cards if the worst should happen.

10 19

11

We are becoming increasingly dependent on the plastic cards in our wallets, purses, briefcases or handbags and being left without them even for a short time can be inconvenient. Imagine how stressful it could be if they were ever stolen and you had to call each provider to cancel your cards?

With Card Support 365, you have one number - 0333 220 6959* (or +44 333 333 6657 if calling from abroad) - 24 hours a day, 7 days a week to call and cancel all your cards. If your card issuers will allow us, we can even order replacement cards too. We will also cover up to 6 other people that live at your address.

If you feel you are likely to become a victim of fraud following a loss of your cards, we can file a protective registration with CIFAS for you. CIFAS is the UK’s fraud prevention service, dedicated to the prevention of financial crime. CIFAS provides the UK’s most comprehensive databases of confirmed fraud data, as well as an extensive range of fraud prevention services, using the latest technology to protect organisations from the effects of fraud.

A protective registration with CIFAS will place a warning flag against your name and personal details in their National Fraud Database. This tells other organisations that use CIFAS you are at risk and to carry out further checks when applying for one of their products or services to help ensure it’s really you who’s applying and not a criminal using your details.

Registration

Register all your credit, debit, bank, building society cards and store cards as soon as possible. There is no limit on the number of cards you can register. This isn’t compulsory but will speed up the process if you ever need to report your cards as lost or stolen.

1. You can register your cards by calling us on 0333 220 6959*.

2. You can also register up to 6 other people living at your home address and their cards.

3. Inform us if any of your registered card details change so that we can update our records. Having an up-to-date record of your cards helps us to cancel them on your behalf FAST if they are ever lost and means you can rest assured that your cards can be cancelled.

4. Register your Passport and Driving Licence Number. We will store the document numbers for you, should you need to retrieve these numbers for any reason for example, to complete an application for a new driving licence or passport, please call us on the number below. Unfortunately, we cannot replace these documents for you.

Reporting lost or stolen cards.

Please call us as soon as possible on 0333 220 6959* or +44 333 333 6657 if calling from abroad. This benefit is available 24 hours a day, 7 days a week. If your cards are ever lost or stolen you will need to complete a loss report with us to cancel and reissue your cards. Please note that we can only reissue cards if the card issuer will allow us to.

Who provides Card Support 365

Your Card Support 365 is provided by Assurant Solutions, which is a trading name of Lifestyle Service Group Limited, a company registered in England with company registration number 5114385 having its registered office at: Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN.

ID Fraud HelplineWhen personal data ends up in the hands of cyber criminals it could be used to borrow money and open accounts in your name, damaging your credit history and leaving you with debt.

ID Fraud helpline provides you with all the support and advice you need to protect your identity and personal data, and answer any questions or worries you may have about fraud. We can help you to restore your credit history and secure your personal data. Our ID Fraud team will also ensurefurther security is in place and provide you with letter templates for notifying the relevant parties about the theft of your identity. There’s also lots of useful information available online at protectyourbubble.my-hubb.co.uk

Next move:

if your personal data is compromised and you need to speak to our fraud investigation team please call0333 220 6959*.

12

Our dedicated website protectyourbubble.my-hubb.co.uk provides useful information on how to help reduce your chances of becoming a victim of identity fraud including our risk calculator. If you do find that you have been a victim of identity fraud, it can be hard to know what steps to take to begin to restore your credit profile and undo the damage that has been done, so let us help you.

Advice is available over the phone on 0333 220 6959*. Lines are open:

Monday – Friday 8.00am – 8.00pmSaturday – Sunday 9.00am – 6.00pm

If you feel you have become a victim of identity fraud you will be allocated a case specialist who will be your contact throughout.

Our case specialist will:

1. Discuss your circumstances and provide you with individually-tailored assistance.

2. Provide advice and assistance in writing letters and completing documentation.

3. Tell you what actions you need to take and when you need to take them.

Who provides ID Fraud Helpline

Your ID Fraud Helpline is provided by Assurant Solutions, which is a trading name of Lifestyle Services Group Limited, a company registered in England with company registration number 5114385, having its registered office at: Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN.

13

Keystroke Encryption SoftwareCriminals can use malicious software to access and record the information you enter through websites. This software can come from emails or websites and will often look like it’s come from a trusted source. It can be installed without your knowledge or consent when completing activities like installing a programme, or reading an email.

Keystroke encryption software provides protection against such software and will stop your details being recorded by cyber criminals by putting the information of which keys you have struck in to a password protected file. You can download the software to 3 devices in your household to protect your entire family. The software will also alert you to any suspect emails or links that might lead to your details being recorded by criminals.

Next move:

to make the most of this benefit and get protected you will need to download Keystroke Encryption software to your device. This can be done by visiting protectyourbubble.my-hubb. co.uk and following the download instructions.

14

It’s possible that criminals can use malicious software to access and record the information you enter on your keyboard when using the internet. In order to prevent this and help protect your personal details, you can download our Keystroke Encryption software on up to three devices in your household. Once downloaded, the software will:

1. Encrypt each keystroke preventing this malicious software from collecting what you type into the internet browser. This will prevent any personal data such as your name, date of birth, email address, passwords, etc. from being recorded and used by parties you have not permitted to use your data.

2. Alert you to any suspect emails or links which may not be from a genuine source. If you experience any issues or have any questions regarding the software download, then please email help@cdisuk.com

You can download the software by going to protectyourbubble.my-hubb.co.uk and selecting the Keystroke Encryption software option. This software runs on Microsoft Windows only and supports Internet Explorer and Firefox.

Who provides Keystroke Encryption Software

Your Keystroke Encryption Software is provided by Corporate Defence Intelligence Services Limited (CDIS), a company registered in England with company registration number 06879979 having its registered office at The Saddlery, Eridge Park, Tunbridge Wells, Kent, TN3 9JT.

What you are entitled to

1. Use only one copy of the Software on up to 3 computers operating on Microsoft Windows;

2. Make one copy of the Software for Backup purposes, or copy the software onto the hard drive of your computer and retain the original for backup purposes.

Limitation of Liability

CDIS warrants the Software’s current capabilities for the full term of your Digital Secure service. Software functionality may become limited due to conflict with other third party software applications or changes to the Internet (out of CDIS’s control). CDIS agrees it will work to resolve Internet and standard Windows application compatibility issues within its ability and as quickly as possible. CDIS does not guarantee all unforeseen issues will be resolvable due to the lack of control over third party programming and products.

CDIS does not warrant that the Software will meet your requirements or that operation of the Software will be uninterrupted or that the Software will be error-free.

You acknowledge :

1. CDIS are the exclusive owners of all rights in the Software, including all intellectual property rights now in existence or which come into existence.

2. You have read the terms and conditions of this benefit and you can email help@cdisuk.com

15

Web DetectEach time you shop online or complete an electronic form, you leave behind a digital footprint of personal data. This information can leave you vulnerable if it gets in to the hands of criminals. If this data is then exploited, it can be used to borrow money or open credit accounts in your name which, if ignored, could leave you with serious financial problems.

Web Detect makes it easy for you to stay one step ahead of cybercrime, by monitoring records of personal information that have been compromised and could be traded online. If your personal information is present in any of our monitored databases, you will be alerted and have access to everything you need to act quickly and take steps to protect yourself.

Next move:

to make the most of your Web Detect benefit you will need to visit protectyourbubble.my-hubb.co.uk and register. If you have any queries please call our customer support line on 0333 220 6959*.

16

It’s possible that criminals will gain access to the information you provide online. If you know which of your personal information criminals have access to, you can take steps to prevent those details from being used to commit identity fraud. To help you do this, we’ll provide you with access to Web Detect which searches against records of personal and financial data that have been compromised, and have actively been traded online by criminals. We’ll automatically begin to monitor your email address and phone number with this service as long as they were provided when you purchased Digital Secure. This means that you will automatically benefit from ongoing monitoring of your information and will receive an email should any of your details be considered at risk.

Once you’ve registered for Web Detect through protectyourbubble.my-hubb.co.uk you can add more of your personal details to be monitored by this service, such as your credit or debit cards, bank details, Driving Licence and National Insurance number. Through the Web Detect section of our website, you can also choose to receive your alerts by SMS.

Who provides Web Detect

Your Web Detect benefit is provided by Equifax Limited, a company registered in England and Wales under registered number 2425920 whose registered office is at Capital House, 25 Chapel Street, London NW1 5DS.

What you are entitled to

You are entitled to online access of the Web Detect benefit. You can choose to have your personal or financial information monitored, and receive alerts if your information appears in the compromised data being actively traded by criminals.

As part of the benefits of Digital Secure, some elements of personal information will automatically be monitored (see ‘Your personal information’ section below). To allow us to start this monitoring we need to make you aware and give you the opportunity to consider Equifax’s Web Detect terms and conditions and privacy policy governing such processing, details of which can be found at protectyourbubble.my-hubb.co.uk

The terms and conditions and the privacy policy explain more about how your personal information will be processed and can also be accessed from the Digital Secure area at protectyourbubble.my-hubb.co.uk. If you do not want certain elements of your personal information to be automatically monitored please immediately contact 0333 220 6959* otherwise you will be deemed to have accepted them and to have given your consent for such monitoring to begin.

To add further information to your monitoring service please go to protectyourbubble.my-hubb.co.uk

Your personal information

Web Detect will initially and automatically monitor your email address and mobile telephone number, where you have previously provided them to us. You will receive an email should this information appear in the compromised data being actively traded by criminals.

Once you have fully activated the Web Detect service by access to the appropriate section of the Digital Secure area at protectyourbubble.my-hubb.co.uk, you will have the opportunity to add other personal and financial information to the monitoring service.

17

Online Credit Report AccessIt’s important to understand your credit score and what impact this can have on you. One of the best ways to check personal data has not found its way into the wrong hands is to frequently look at your credit report.

This benefit provides easy online access to your credit report, allowing you to check, evaluate and positively impact your credit score. And that’s not all, it will alert you if there are any key changes to your credit report and status.You can also receive expert tips to help you understand your credit report and online support to correct any errors quickly.

Next move: you can activate this benefit by visiting protectyourbubble.my-hubb.co.uk If you have any issues or questions, you can call 0333 220 6959*.

18

You will have easy online access to your credit score and credit report. You can register for a monthly monitoring service which will alert you by email or SMS of any significant changes to your credit history. Reviewing your credit report regularly will give you an early indication if your details have been used to take out credit in your name and will also give you the opportunity to act in any circumstances where your details have been used fraudulently.

We’ll automatically add your details to our monthly monitoring service using the details you provided when you purchased Digital Secure. This means that you will automatically benefit from ongoing monitoring of your information and will receive emails should there be any changes to your report. Once you’ve fully registered for the Credit Report monitoring benefit, you can opt to receive your alerts by either email or SMS.

You will be able to access your online credit report from our chosen credit reference agency Equifax. You will automatically receive monthly alerts if the following notable changes occur:

• Addition or deletion of a credit account

• A change in the payment history of a credit account

• Addition or deletion of Court Judgments

• A search is made of your credit record

• Addition or deletion of a Notice of Correction

• The settlement of a credit account

• A significant balance change on a revolving credit account opened within the last six months.

To obtain your credit report or credit score from Equifax, please access the Digital Secure area of protectyourbubble.my-hubb.co.uk and click on credit report. Your report will be viewable securely online. If you have any questions about viewing your credit report or score, please call us on 0333 220 6959*.

Equifax provides your credit report. Assurant Solutions does not act on your behalf to ascertain or advise in connection with your personal information that is held by Equifax. In accordance with the provided terms, any requests for information held, or for the addition, correction, or modification of such information are made by you direct to Equifax.

Who provides Online Credit Report Access

Your Credit Report benefit is provided by Equifax Limited, a company registered in England and Wales under registered number 2425920 whose registered office is at Capital House, 25 Chapel Street, London NW1 5DS.

What you are entitled to

You are entitled to unlimited online access to your Credit Report, and are able to:

• View and display the materials on a computer screen

• Save materials in a digital format to read offline; and

• Make printed copies of the materials.

19

Other than as described above, you may not without first getting our written permission – distribute, sell, publish or otherwise make a profit from any of our materials; or use any of our trade marks.

You may not purchase any materials on behalf of anyone else, even with their consent. It is a criminal offence to order credit information on behalf of anyone else.

Your personal information

If you download any credit information held by us about you, you consent to us making a search of your credit file to verify your application in order to prevent fraudulent access

This search is recorded on your file but will not affect your ability to obtain credit. It will be deleted after 12 months.

The terms and conditions and the privacy policy of the Credit Report benefit provider Equifax explain more about how your personal information will be processed and can be accessed from the Digital Secure area at protectyourbubble.my-hubb.co.uk.

Restore your Credit Profile

In assisting you to restore your credit profile, we will take all action reasonably and legally possible under English Law. There may be occasions, due to events beyond our control, where your credit profile cannot be fully restored.

20

Legal AssistanceSeeking legal advice from the right people can be a daunting task, and even a first conversation with a solicitor can be expensive. But with Legal Assistance there is no need to worry as we will help you to find the right local solicitor and your initial consultation with them will be free.

Our team will help you find the right solicitor for your needs, saving you the time and trouble. You can book your free consultation online for a date and time that’s best for you, and organise everything over the internet with ease. If you then choose to instruct your chosen solicitor further after your free consultation, you will also receive discounted rates on your legal fees.

Next move:

go to protectyourbubble.my-hubb.co.uk and register your details for the Legal Assistance service. You will need to do this before you can arrange an appointment.

2121

Legal Assistance puts you in touch with one of our carefully selected panel of solicitors where you will receive a free legal consultation at a time and date convenient to you. You will be able to view the profiles of our expert solicitors local to you that specialise in the area of law that you require to help ensure you pick the right solicitor for your needs.

After your free consultation, you will receive discounted rates on your legal fees should you choose to instruct that solicitor further. You will also be able to access the members’ area which will provide you with hints and tips for a range of common legal matters.

How to use Legal Assistance

To take advantage of the Legal Assistance service you need to register first. Please follow the process below:

1. Log in to protectyourbubble.my-hubb.co.uk and select the legal assistance icon.

2. Register your details.

3. Select the area of law you are interested in and select the solicitor you would like to use.

4. Provide details of your issue and when you are available for your telephone consultation.

5. Your chosen solicitor will then contact you on the date and time you have agreed.

What you are entitled to

Following your initial free telephone consultation, if you choose to instruct any of the law firms, they will send you separate terms of engagement upon which you will engage with them directly to provide legal services.

You will be solely liable for any fees resulting from instructing the solicitors to act for you.

Before you obtain any service from a law firm you must check all the information, content, material or data held by the law firm about you is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the law firm about you before you obtain any legal advice. Failure to do so could invalidate the legal advice provided by the law firm. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the law firm about you is not correct, complete or accurate or if it is misleading or if you have failed to disclose all relevant facts.

Who provides Legal Assistance

Your Legal Assistance is provided by Law-Match, a company registered in England with company registration number 7872469 having its registered office at: 55 King Street, Manchester, M2 4LQ. Email - feedback@law-match.com. You can call them directly on 0344 324 6556*, lines are open Monday - Friday 9.00am - 5.30pm.

Law Match are regulated by Ministry of Justice, Claims Regulation Unit, 57 - 60 High Street, Burton Upon Trent, Staffordshire, DE14 1JS. Regulation number - CRM29976

22

Limitation of Liability

Nothing on Law-Match’s site shall be deemed to constitute legal or other advice or a recommendation or endorsement by Law-Match or any of the law firms referred to or any of the services offered on our site.

It is your responsibility to satisfy yourself that you wish to obtain any benefit before doing so. Law-Match are not responsible or liable for any loss or damage you may suffer or incur in connection with any benefit you obtain after using our site or for any acts, omissions, errors or defaults of any law firm in connection with that benefit.

Law-Match do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions, advice or assistance. You act or refrain from acting on any third party’s views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance.

Law-Match are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.

23

Other information

Price

Digital Secure is provided for a fixed fee of £1.99 per month or an annual fee of £23.88.

CIFAS Protective Registration

CIFAS, the UK’s fraud prevention service, is a not for profit membership organisation dedicated to the prevention of financial crime. CIFAS provides the UK’s most comprehensive databases of confirmed fraud data, as well as an extensive range of fraud prevention services, using the latest technology to protect organisations from the effects of fraud.

Among other initiatives, CIFAS helps prevent the misuse of individuals’ identities through the sharing of information and the use of identity protection tools. Recognised by around 300 organisations, which includes the UK’s leading and most well-known financial institutions, Protective Registration places a warning ‘flag’ against your name and personal details - warning all organisations which use CIFAS data that you are at an increased risk of fraud. This notifies members that they must undertake additional checks to ensure that the application they have is really from you and not from a fraudster using your name.

More information about CIFAS can be obtained from their website www.cifas.org.uk

You may request that we file a Protective Registration with CIFAS on your behalf. This will allow other banks and lending organisations to know your details may be at risk of fraudsters taking out credit in your name.

If you instruct us to file a Protective Registration, your details will be used in the following way:

• If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

• Law enforcement agencies may access and use this information.

• We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

- Checking details on applications for credit and credit related accounts or other facilities.

- Managing credit and credit related accounts or facilities.

- Recovering debt.

- Checking details on proposals and claims for all types of insurance.

- Checking details of job applicants and employees.

• We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

If you wish to receive details of the fraud prevention agencies with whom we record information about you, write to us at Digital Secure, PO Box 98, Blyth, NE24 9DL. You have a legal right to these details.

24

Duration

This service will continue for as long as you wish and will require renewal at 12 months. You will need to cancel by calling 0333 220 6959* if you decide you no longer want this service.

Duration

Your Digital Secure benefit is for 12 months. You will be sent a reminder at least 28 days prior to the expiration date. If you pay monthly you will need to call us, to tell us you will not be renewing the service. If you are an annual payer, you will need to call us to renew your Digital Secure benefit to continue using the service.’

Cancelling the service

This product is provided in connection to your Protect Your Bubble Gadget Insurance.

Please be aware that by cancelling your Protect Your Bubble Insurance, your Digital Secure Service does not automatically cancel.

You are able to cancel Digital Secure within 14 days of purchasing this product. You will receive a full refund of the last payment you have paid provided that you have not used the benefits.

If you have used the benefits, we will be entitled to retain some of your payment, which represents the amount of time that you have had the product.

After the inital 14 days, you have the right to cancel this Digital Secure service at any time. It will cancel with immediate effect and you may be issued with a pro-rata refund of any annual premium already paid where applicable. If you are making monthly payments, no refund will be issued.

If the service does not meet your requirements, please telephone 0333 220 6959*.

Suspension and Termination

We may cancel access to this service with immediate effect by registered letter to you at your last known address for any other valid reason such as to respond proportionately to changes in the law, industry guidance or codes of practice, or to proportionately reflect other legitimate cost increases or reductions associated with providing the service. Acceptance of this service is at our discretion.

We may immediately suspend or terminate your access to any of our products if:

• You breach any of these terms; or

• We have reasonable grounds for suspecting fraud or improper use.

You will not be entitled to any refund if we suspend or terminate your service for any of the reasons set out under this clause.

If you cancel this service, access to each benefit provided as part of this package of products will end immediately.

We will not be responsible for any misinformation offered or given by the third party providers in relation to this package of products.

25

Making an Enquiry or Complaint

We will always be fair and reasonable. Should there ever be an occasion when you feel that we have not provided you with a satisfactory level of service, we would like you to inform us so that we can do our best to solve the problem.

We will do everything possible to ensure that your query is dealt with promptly. The easiest way to contact us is to call our Customer Relations team on us on 0333 220 6959*. Alternatively, you can write to us at the following address, quoting your name, address and Customer Reference in all correspondence: Digital Secure, Customer Relations, PO Box 98, Blyth NE24 9DL. Our staff will attempt to resolve your query immediately. If this is not possible, we promise to acknowledge your query within 5 working days of receiving it. In the unlikely event that your query has not been resolved within 4 weeks of us receiving it, we will write and let you know the reasons why, and what further action we will take. Once we have resolved your query, we will confirm our response in writing. If you are not satisfied with our decision, please contact the Customer Relations Manager at Digital Secure, Customer Relations, PO Box 98, Blyth. NE24 9DL.

If your complaint relates to a firm who supplies one of the benefits within this package of products, your complaint will be forwarded to the firm to be dealt with in accordance with their own complaints handling procedures. These procedures are subject to the principles of their own regulations howeverwe do work to strict service level agreements with our chosen firms so would be grateful if you do let us know if you are unhappy.

Other information

This product is sold by Protect Your Bubble and is a trading name of Assurant Direct Limited, a company registered in England and Wales (registration company number 5399683). Registered address: Assurant House 6-12 Victoria Street Windsor Berkshire SL4 1EN.

This package of products is arranged and serviced by Assurant Solutions, which is a trading name of Lifestyle Services Group Limited. Registered in England No: 5114385. Registered Address: Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN.

Correspondence Address: Digital Secure, Customer Relations, PO Box 98, Blyth NE24 9DL.

How we will deal with your personal information

We are committed to preserving the privacy of our customers. Please read the following privacy policy to understand how we will use and protect the information that you provide to us.

By registering with us, you consent to the collection and use of your information under the terms of this privacy policy. The information you provide will be used by us to supply you with the benefits forwhich you have registered and we may use the information to contact you to obtain your views on our benefits and to let you know about important changes to the benefits which we offer. The information you provide to us about you may be shared with the Assurant group of companies and our chosen credit reference agency.

We may contact you by post, telephone, fax, or email. You will only be contacted by the methods you have asked to be contacted by. Your information will not be used or disclosed other than in accordance with this privacy policy, or without your permission, unless required by law.

If you would prefer us not to contact you to obtain your views and/or you change your mind in

26

the future and would like us to stop contacting you for this purpose, please write to: Digital Secure, Customer Relations, PO Box 98, Blyth NE24 9DL.

We may co-operate with the Police and any other relevant authorities or organisations in connection with any misuse or suspected misuse of the benefits provided by us or other telecommunications services provided by any member of our group of companies.

If necessary, we may divulge information about you for this purpose. You have a right to ask for a copy of the data held about you and you may ask us to make any necessary changes to ensure that it is accurate and kept up to date. If you wish to do this, please contact us on 0333 220 6959*. We are entitled by law to charge you a fee of £10 to meet our costs in providing you with details of the information we hold about you. We employ security measures to protect your information from access by unauthorised persons and against unlawful processing, accidental loss, destruction and damage.We will retain your information for a reasonable period or as long as the law requires. Any changes to our privacy policy will be notified to you in the appropriate way. All comments, queries and requests relating to our use of your information are welcomed and should be addressed as specified above.

Legal

The document tells you what you need to know about this product. These terms and conditions can be subject to change from time to time. Any change will be notified to you at least 28 days in advance in either writing or by e-mail.

Our part of the contract is that we provide the service as detailed in the document. Your part of the contract is that you will pay for this service for each service period.

The laws that will apply to this service are the laws of England and Wales.

2727

* Call charges will vary depending on your phone provider. If you are unsure of your call charges we recommend contacting your provider before calling us. To maintain a quality service, we may monitor and record phone calls.

DIGITAL SECURE

Welcome Pack

Contact us0333 220 6959*

protectyourbubble.my-hubb.co.uk

DIGITAL SECURE

2014.11.03DS welcome pack V4