Mr. Greene brings extensive experience to his role as Chief Executive Officer at ID Watchdog. Prior to the CEO role, the Company retained Mr. Greene as a consultant to assist in its New Partnering Strategy with anti-virus companies.
For nearly six years he served as Vice President of Product Strategy and Business Development at PC Tools (Symantec) and was an integral part of the company’s design, growth and development. Previously Mr. Greene has served as Director of Product Management at Webroot Software, Product Manager at Thomson Micromedex and Director of Product Management at Raindance Communications.
His proven track record in Operations Management, Business Development and Marketing Strategy will be an important addition to the Company.
Mike graduated from the University of Colorado at Boulder — Leeds School of Business.
Jay Lewis has over 25 years of executive level finance and accounting experience including 15 as the senior financial officer of publically traded companies. Mr. Lewis has raised over $300 million in capital via both public and private offerings and executed numerous M&A transactions.
Prior to joining ID Watchdog, he was the CFO and a Director of Jones Media Networks, Ltd., which owned two cable television networks, the fourth largest network radio company in the U.S. and a satellite distribution business. Prior to his tenure as CFO at Jones Media Networks, he was the Vice President of Finance and Treasurer of Jones International, Ltd., a private holding company with ownership of companies involved primarily in media, for-profit education and telecommunications. Jones Intercable, Inc., which was the eighth-largest cable television system operator in the U.S., was one of Jones International's operating companies.
Jay is a CPA, an alumni of Ernst & Young and has a Bachelor's degree in accounting from the University of Wyoming.
Prior to joining ID Watchdog, Mohan was a Regional Sales Manager at DataCert, Inc, a private legal software and services company. He has also held leadership positions in direct sales, channel sales, and business development functions at Callidus Software (NASD: CALD) in San Jose, California, and Trilogy Software in Austin, Texas.
A former US Air Force officer, Mr. Mohan holds an MBA from The University of Pennsylvania’s Wharton School, with dual concentrations in Finance and Strategic Management, as well as a BS in Accounting from The Pennsylvania State University.
Craig brings more than 20 years of experience in information technology to his position at ID Watchdog, including 18 years working with financial and payment processing companies such as National City Bank, National Processing and International Check Services.
Just prior to joining ID Watchdog, Ramsay served as the Chief Architect for First Data, the world's largest payment processor. Ramsay has a Bachelor of Science degree in Computer Science from Ramapo College in New Jersey.
Eric ("Rick") Lunstrum oversees the details of the ID Watchdog experience, ensuring that processes support the best possible customer service. Rick brings over 33 years of hi-tech operations management experience to ID Watchdog.
Rick began his career at National Semiconductor. In 1985, Lunstrum joined Destron/IDI a global leader in microchip technologies to manage their worldwide operations. In 1995, Lunstrum founded Univel Corporation, an international electronic component distributorship.
No stranger to startup companies, he oversaw manufacturing, quality, sales, marketing, and service departments. Lunstrum’s formal education includes studies at both de Anza and Regis Universities.
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Identity Rehab Corporation, a Colorado corporation, DBA ID Watchdog (“ID Watchdog,” “The Company,” or “we”), shall supply services to the customer (aka: “you”) in accordance with the following terms and conditions:
Your Welcome Letter sets forth the services offered to you, the terms of your trial period, if any, and the pricing for the services you enroll in. Your Welcome Letter is incorporated herein by reference and is a part of these terms and conditions. You may request a copy of your Welcome Letter by contacting us by phone at 1-800-970-5182 or by email.
The following is a complete list of all services offered by the Company, however, not all services listed may be available to you. The Company will provide those services to you for which you are eligible to and do enroll in. Please refer to your Welcome Letter for a list of services available to you and the pricing for those services. Enrolling in the services requires you to sign up for and pay the required fee for the services that you select through the Company’s website at www.idwatchdog.com, or the company’s affiliates. You must acknowledge your acceptance of these Terms and Conditions in order to complete the enrollment process. You will be asked to create a password when you enroll which you will need to access your account or user dashboard. You are solely responsible for protecting the confidentiality and privacy of your password. Do not share your password with others. The Company is not responsible for lost or stolen passwords. ID Watchdog is not a credit repair organization, or similarly regulated organization under other applicable laws, and does not provide credit repair advice.
ID Watchdog offers two (2) levels of protection service which are ID Watchdog PlusSM, and ID Watchdog PlatinumSM. Upon successful enrollment into the ID Watchdog Service, and for as long as you are an “Active Customer” (in good payment standing and prior to termination), you will be provided those services described below that are included in your Welcome Letter.
ID Watchdog will only be able to act on your behalf when you authorize ID Watchdog in writing to request and receive information from proprietary database sources, for investigative purposes. We will require a revocable power of attorney to allow us to communicate with various agencies on your behalf in our efforts to mitigate the effects of identity theft. We will only act on your behalf with your permission.
ID Watchdog service agents provide remedy for verified fraudulent accounts in your personal consumer reports. We cannot resolve suspicions of fraudulent activity. We require a police report and an ID Theft Affidavit that details the specifics of the loss we are to remedy. ID Watchdog agents are available to assist customers with the process of filing a police report and completing an ID Theft Affidavit.
These terms and conditions apply from your enrollment until termination of the services by you or by the Company. You may terminate any services at any time by notice to ID Watchdog, effective immediately. ID Watchdog may terminate any services at any time by notice to you, effective as of the end of the then current and paid monthly, annual or tri-annual term, as applicable.
Upon the effective time of such a termination by you or ID Watchdog, all services and all obligations to pay for or provide services shall cease. Notice of termination shall be given as follows.
Fees for Services are paid on the date you enroll in the Premium Services offered to you and on a periodic, recurring basis thereafter, generally monthly, but occasionally on an annual or tri-annual term. Monthly fees are nonrefundable. Fees and free trial periods applicable to you may differ from those listed herein based on special promotional offers, or because of group rates offered to large membership organizations through special distribution channels. Not all product offerings will include a free trial. Please review your Welcome Letter for complete details on applicable services available, pricing, payment terms and trial periods. All fees listed in these terms are subject to change with not less than 30 days prior notice. You must pay the fees when due in order to continue to receive the services. The Company may terminate or suspend your services for failure to pay your renewal fees when due it its sole and exclusive discretion. By enrolling in the services you agree to pay the following fees:
The FCRA allows consumers to receive one free comprehensive disclosure of all the information in their credit file from each of the Repositories once every 12 months through a central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You may also obtain your free comprehensive credit report file by calling the three credit bureaus directly at:
Experian: 1-888-EXPERIAN (1-888-397-3742)
Trans Union: 1-800-916-8800
The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:
The FCRA also permits consumers to dispute inaccurate information in their Credit Report without charge. Accurate information cannot be changed. You do not have to purchase your Credit Report to dispute inaccurate or incomplete information in your credit file maintained by the three main credit bureaus.
ID Watchdog guarantees that, for so long as you are an Active Customer with ID Watchdog and you cooperate with the Company and provide all necessary information, including the power of attorney, ID Theft Affidavit and police report, the ID RehabSM Service department will actively work to correct any personal records reported in your consumer reports that have been affected by identity theft, which appeared after your enrollment with ID Watchdog. Please be advised that while ID Watchdog will diligently work with and assist you correcting your personal records, some of the records are maintained by third parties and we cannot guarantee their cooperation. ID Watchdog cannot and does not recover or reimburse for damages, loss of income, loss of property or other harm or losses incurred in connection with identity theft. The ID RehabSM service is intended to provide correction of the fraudulent database entries on your personal records as reported in your consumer reports. To recover for damages, loss of income, loss of property or other losses for legal violations (by creditors, credit reporting agencies, etc.), you should seek legal advice. The Company does not provide any other warranties or guaranties for the services whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, noninfringement, or availability of the services.
THE COMPANY’S AND ITS AFFILIATES’, LICENSEES’ AND THIRD PARTY SERVICES PROVIDERS’ TOTAL AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS, ACTIONS, DAMAGES, LOSS, OR HARM CAUSED BY OR RELATED TO THE SERVICES SHALL BE STRICTLY LIMITED TO THE AMOUNT PAID BY YOU FOR THE SERVICES. TO THE EXTENT ALLOWABLE BY LAW, YOU EXPRESSLY WAIVE ANY AND ALL CLAIMS FOR OR RIGHTS TO ANY CONSEQUENTIAL OR PUNITIVE DAMAGES, LOST PROFITS, LOSS OF INCOME, AND CLAIMS FOR PAIN AND SUFFERING OR EMOTIONAL DISTRESS.
All notices (other than a notice by you of your termination of services) shall be given in writing via e-mail, fax, personal delivery, or U.S. Mail. Notices to ID Watchdog shall be given at the following address:
PO BOX 297
Denver, CO 80201
All notices to you will be sent to the address provided to ID Watchdog at enrollment, or such address that you may give ID Watchdog if you change your address.
These terms and conditions shall be governed by and construed under the laws of the State of Colorado without regard to conflicts of law. In the event of any claim or dispute between you and ID Watchdog arising from or relating to the services or these terms and conditions, both parties agree to resolve the claim in the following manner:
Negotiation: If either party has a dispute with the other, either may contact the other by email or phone. If needed, parties will agree to a phone conference to attempt resolution within 10 business days of initial email or phone contact.
Mediation: If the negotiation fails, the parties will contact the American Arbitration Association in Denver, Colorado to initiate phone mediation. Parties agree to complete mediation within 15 business days of failed negotiation.
Agreement to Arbitrate: You and ID Watchdog will make every effort to resolve disputes in a good faith manner either by negotiation or mediation; however, if that is not possible, within 30 days of the inability to settle through mediation, the parties agree to arbitrate their dispute as described below: You and ID Watchdog agree to hold arbitration through the neutral offices of the American Arbitration Association office in Denver, Colorado. Both parties agree to attend such arbitration, in person or by phone, and to abide by the rules of the American Arbitration Association with regard to submission of discovery of evidence and other rules of order.
IF A CLAIM OR DISPUTE IS TO BE ARBITRATED PURSUANT TO THIS AGREEMENT, BOTH PARTIES SHALL GIVE UP THE RIGHT TO LITIGATE THE CLAIM OR DISPUTE IN A COURT. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION WILL DETERMINE DISCOVERY AND APPEAL RIGHTS.
This section shall survive termination of these terms and conditions.