License and Services Agreement (LSA)

Welcome to the Gen Digital Family!

Before you get started, we’d like to explain our terms. These terms explain your legal rights and responsibilities when using our software and services. They’re important, so you should read these terms carefully, including any links, because you are consenting to the terms below and they’ll become the agreement between you and us.

Things to remember while you read this . . .

1. When you see a word in bold, it will have the same meaning every time it’s used in this document.

2. By clicking an acceptance button, installing, or using the software and services (whether provided by us or one of our partners), you’re agreeing to these terms. If you don’t agree to the terms or follow the rules they lay out, you can’t use the software and services. If you purchased through one of our partners or resellers, they may have additional terms that apply to you.

3. When we say . . . Gen Digital, Gen, we, our or us, this means the Gen Digital brand or entity that provides the software and services in your region.

4. When we say . . . you or your, this means you or the business or company you’re authorized to represent.

5. If you live in the United States, be sure to read our binding arbitration clause and the class action waiver later in this agreement. They outline some very important points about how we resolve disputes.

What about my privacy?

Thank you for entrusting us with your personal information. We go to great lengths to use only the information we need to provide you with our software and services. Please read our Privacy Policy as it explains how and why we collect, use, and share your personal data through our websites, products and services and how you can exercise your rights to your data.

How can I use the software and services?

When you purchase our software and services, you’re only getting a license to use them for a limited purpose and subject to these terms. We continue to own all the rights to the software and services.

Your license is for you only:

The license you get for the software and services you’ve subscribed to belongs to you, and only you. You can’t transfer that license to anyone else.

We’re allowing you to use your license:

• For as long as you continue to pay any applicable fees for your subscription or until the subscription ends.
• For the length of time you chose when you made your purchase or, if you didn’t choose a subscription length, one year.
• On the number of devices, for the number of users you chose when you made your purchase. If you didn’t choose, you can only use your license on one device for one user.
• If your devices and operating systems meet the system requirements. It’s up to you to make sure your devices are kept up to date and meet those requirements. (It’s also good security practice to keep your devices up to date.)

If you have purchased a small business product, then the above still applies. The only difference is, only people employed by the small business may use the software and services and only for internal business operations. Our small business offerings are licensed only for businesses with fifty or fewer employees. Consumer products can only be used for consumer, household and non-commercial purposes.

What about others?

Some of our software or services allow you to register your family members or employees or their devices. You must comply with the law when using our software and services. If the product you purchase includes tracking features, you must have the legitimate right and authority before using them to track and monitor children or other third parties. That means you must be a parent, legal guardian or have other legal authorization. Gen Digital requires that you use our software and services in compliance with applicable laws and regulations.

What about free software and services?

Sometimes, we offer software and services free of charge, like an additional feature in a paid subscription, a pre-release, beta software or a courtesy service. The terms in this agreement apply to free software and courtesy services too unless we’ve said otherwise. Some limitations may apply, and we’ll let you know what these are when we make the free software or courtesy services available to you. You can use free software and courtesy services for as long as we provide them to you.

What can’t I do with the software and services?

Our rights as owners or licensors of the software and services are protected by law. This means if you do something, like the following examples, your subscription can be canceled, and we might need to take further action. Here are some examples: Don’t…

• use consumer products for business purposes (they weren’t designed for that and we have small business offerings that are better suited for the workplace);
• try to figure out the source code, including by reverse engineering or decompiling the software or services;
• make modifications to the software or services;
• commercialize the software or services, including by selling, lending or renting them;
• use a pirated version of the software or services;
• create any product or service based on the software or services;
• transfer the software or services to anyone else, including by sub-licensing or assigning them;
• use the software or services to do anything illegal;
• publish or make copies of the software (other than backups);
• interfere with anyone else’s use of the software or services;
• try to get around any technical protection measures in the software and services;
• exceed any applicable content storage or bandwidth limitations;
• use a multi-user product to track and monitor any other person without their consent;
• install the software or services on more devices than you are permitted to (including by failing to delete the software or services from a device before you sell or transfer ownership of it); or,
• continue to use the software or services after your rights to use the software or services have expired or been terminated.

Do products or services include third-party features or content?

Yes. The products or services may incorporate third-party features, functions, or content, which may be subject to third-party terms of service and privacy policies. You're responsible for properly using any third-party resources accessed through our services and following their terms of service.

Are Gen products or services available everywhere?

Our products or services, or certain features, may not be available in every jurisdiction or country, and we can’t represent or warrant that our software, services, or content is appropriate in every country or jurisdiction. If you choose to use or access our software or services, you are responsible for compliance with all your local laws, rules, and regulations.

How do updates to the software and services work?

We regularly release upgrades, enhancements and modifications to our software and services (updates). Once an update becomes available, we may stop supporting the previous version of the software or services. To make sure you can use new features we develop, you agree to let us install updates in the background while you do other things. We may also provide updates for free software and courtesy services, but we are not obligated to.

Plans with Unlimited Device Protection

Unlimited plans cover only household devices that you own for personal, non-commercial use. If you have an issue adding a device, please contact Customer Support.

Can software or services be discontinued?

From time to time, we may discontinue or remove certain software, services or particular features of the software or services. In certain circumstances, after we do this, you won’t be able to renew your subscription. And in order to make new and better things, sometimes we have to stop supporting older products. We may also have to change features of the software and services if required by third party platforms and software or other requirements outside of our control.

Payment and automatic renewal

If you purchased your software from us and not from a third party, when you share your payment information (credit or debit card or other payment type) with us, you are authorizing us (or, our authorized partner) to charge your payment type for the initial purchase amount, as well as any subscription renewals. In the event you provide and store more than one payment type, you are authorizing us (or, our authorized partner) to automatically charge those alternative payment types in the event there is an issue with your primary payment type.

Updating your payment details

If any of your payment details change (like card number or expiration date) please let us know as soon as possible by updating your payment details in your account so we can continue to provide the software and services when it comes time for renewal.

Sometimes we may receive updated credit or debit card information from your card issuer or the card network, which we’ll use to update your payment details automatically. We may also retry failed payments to complete transactions, including by retrying failed cards by extending expiration dates. You consent for us to charge your payment type using the updated details.

How does automatic renewal work?

Paid subscriptions will be automatically renewed at the end of their term, unless you’ve decided not to enroll in or have opted-out of automatic renewal. We’ll email you in advance to let you know that your subscription is due for renewal and will charge your payment type up to 35 days before the subscription is due to end. The amount charged will be the price of the software or services at the time of renewal, which might be different than the amount you originally paid. It is your responsibility to ensure the email address on your account is up to date. If your software or services have been renamed, upgraded or replaced with a new offering, we’ll provide the new offering at no more than its renewal price at the time of your renewal, provided it has reasonably comparable features. If automatic renewal doesn’t apply in your location, we will state this at the time of purchase.

Price Changes

We may change the price you pay for the software or services at any time after the introductory period (if applicable). We make every attempt to keep our prices stable but we may need to change them from time to time to add improvements to the services we offer, add new features, or in response to market factors such as changes in taxes, inflation, currency fluctuations or changes in infrastructure or administrative costs.

Authorized Resellers

You may have purchased your product through one of our authorized resellers. If that entity ever loses authorization to sell our products, your subscription (including all rights and obligations) will be transferred to us and we will process future transactions directly. You consent and authorize our resellers to provide us with sufficient payment data to process transactions in such circumstances.

When does this agreement end?

This agreement will end when your right to access the software and services expires or is ended by us or you. After it ends, you’re not allowed to use the software and services anymore and you must permanently delete the software and services from your devices.

Can I cancel my subscription?

Yes, but you’ll be giving up all the online protection we provide. If you’re sure, you can cancel your subscription any time before it’s expiration date. Check our Cancellation and Refund Policy before you cancel though, because you may not qualify for a full refund. If you don’t qualify, the good news is you’ll be able to keep using the software and services even after you cancel until the end of the paid subscription period.

Will my subscription be suspended or cancelled if I break the terms of this agreement?

Yes. If you violate this agreement or any of the additional terms and conditions that apply, we’ll have to suspend or end your use of the software or service. When we end it, we may also close your account.

What happens to my data after this agreement ends?

We delete your stored or backed-up content (information, text, files, links, images, passwords and all other materials you provide to us) in accordance with our internal policies after you have deleted or uninstalled your software. You’re responsible for storing and backing-up your content before termination.

Limitation of liability 

Some states and countries do not allow the limitation or exclusion of liability for incidental or consequential damages, so the below limitation or exclusion may not apply to you.

To the maximum extent permitted by applicable law and regardless of whether any remedy fails of its essential purpose, neither Gen nor our licensors be liable to you for any special, consequential, indirect, or similar damages, including any lost profits, lost data or goodwill, service interruption, computer damage or system failure or the cost of substitute services of any kind arising out of the use or inability to use the software or services., This limitation applies whether your claim is based on warranty, contract, tort (including negligence), product liability or any other legal theory, and whether or not Gen has been advised of the possibility of such damages. To the maximum extent permitted by applicable law, in no case shall our or our licensors’ total liability arising out of the use or inability to use the software or services or otherwise in connection with these terms exceed the amounts that you paid or are payable by you to us for the applicable software or services for the applicable subscription period, or one hundred dollars ($100 USD), if you have not had any payment obligations to us, as applicable. These exclusions and limitations are fundamental elements of the basis of the bargain between the us and you.

You agree that the limitations of liability and disclaimers in this section reflect the amount charged for the software and services, which would be higher without these limitations. Nothing in this agreement limits any rights you may have under existing consumer-protection statutes or other applicable laws that may not be waived in your jurisdiction, including those specifically mentioned in the local law section.

Some general housekeeping

Can these terms be changed?

Sometimes we make changes to these terms and post them to our website. If you don’t agree to any of the changes you can end your subscription by not renewing, as outlined above, and uninstalling the software. If you renew your subscription, you accept the most recent version of these terms. If you’ve accepted more than one version, the most recent version will replace all older versions.

For free software and services, you accept changes to these terms by continuing use the free software and services. If you don’t agree to any of the changes, you must stop using the service and uninstall the free software.

Can I give my feedback?

Of course! Please keep in mind that we’ll use it without restriction or payment.

What about data charges?

You’re responsible for paying all data and mobile charges associated with using the software and services.

Consent to Telephone Calls and Text Messages

You agree that Gen, its affiliates, and service providers may contact you at any telephone number you provide to us for information communications related to your account or the Services (“Service Communications”). Service Communications include, for example, identity or transaction alerts, suspected fraud or security events, two-factor or identity verification, breach or data-exposure notifications, billing failure notifications, payment method updates, renewal reminders, and service or technical support notices. 

You agree that we may place Service Communications to any telephone number you have provided to us, or will provide to us in the future using voice calls or text messages (SMS/MMS), and we may make those calls, or send those messages using an automatic telephone dialing system, artificial or pre-recorded voice, or artificial intelligence. You acknowledge and agree that messaging and data rates may apply.

For every telephone number you provide to us, you expressly represent and warrant that you are the current subscriber or customary user of the telephone number. You also agree that, if any telephone number you have provided to us is disconnected, changed, or reassigned, that you will promptly inform us of the disconnection, change, or reassignment of the phone number, and provide us with a new telephone number to receive Service Communications. 

If you elect to provide a secondary telephone number for another individual, or member of your household to receive Service Communications, you represent and warrant that you are authorized to consent on that individual’s behalf to receive Service Communications at the secondary telephone number. What country’s laws apply to these terms?

No matter which local law applies, the following will always be excluded:

• Conflict of law principles;
• The United Nations Convention on Contracts for the International Sale of Goods; and
• The Uniform Computer Information Transactions Act.

You may have other rights under the laws of your country. This agreement does not change your rights or obligations under the laws of your state or country if the laws of your state or country do not permit it to do so.

What if there’s a dispute?
Most disputes can be resolved informally by contacting Customer Service. Where Customer Service can’t resolve the issue, we prefer to use arbitration to try and resolve our differences. If you live in the United States, however, you agree to resolve all disputes relating to this agreement through arbitration or in small claims court, as we explain in more detail in the “Binding arbitration and class action waiver” section below.

Export control
You agree Your use of the Services might be subject to the import and export laws of the United States and the laws of other countries where import and export may be restricted. You agree to comply with all such laws, including trade embargoes, sanctions and security requirements.

Complete agreement
These terms are the entire agreement between us relating to your use of the software and services and replace any prior agreements or terms or any other communications, representations, or advertising relating to them. 

Changes to the agreement
We can change or update the agreement without any need to notify you. Your continued use of the products or services means that you agree to the changes or updates.

Translated versions
We provide versions of these terms translated from English for your convenience only. If there is any difference in meaning or interpretation the English version controls.

No waiver
We will only waive a provision of these terms in a signed document.

Licensing entities
The software and services are licensed to you by Gen Digital Inc.

Gen Digital contact information

Gen Digital Inc.
ATTN: LEGAL DEPARTMENT
60 E. Rio Salado Pkwy, Ste 1000
Tempe AZ 85281

Product Specific Provisions:

Cloud or Online Backup
The amount of data you may store is limited to the amount allocated in your plan. You're solely responsible for the data you store, and you must obtain all necessary consents before storing data belonging to others. This service is not designed to store regulated or protected data such as financial services data or health data and may not be used for such purposes. We may monitor, review, retain, and disclose data as required by law or to investigate misuse or breaches.

Dark Web Monitoring
Our Dark Web Monitoring Services is not available in all countries and only monitors and notifies you of information on the dark web. We are unable to remove such information.

LifeLock Identity Theft Protection Services and/or LifeLock Identity Advisor
Specific terms and conditions relating to your use of LifeLock Identity Theft Protection are included in Addendum 1.

Norton Family and Norton Parental Controls
Norton Family and Norton Parental Control monitor and manage the online activities of children up to 16 years old.

Norton Safe Search, Safe Search Enhanced and Safe Web
Norton Safe Search family of products may access your web browser, browsing data, email and other third-party account content associated with your device. 

Privacy Monitor and Privacy Monitor Assistant
If you ask us, we will do our best to request removal of your personal information from Third-Party Sites. We can’t promise or guarantee that the Site will cooperate with us or that we can seek removal from all such Sites. You authorize us to accept necessary terms and conditions to submit such requests on your behalf. We might have to provide your personal information in connection with our request and the Sites may contact you.

Norton VPN
Norton VPN (“VPN Service”) accommodates average non-commercial use and you may experience temporary slowdowns during peak usage. VPN Service availability is subject to restrictions in certain countries, please check your local laws before use.

You may not abuse the VPN Service (including but not limited to excessive bandwidth consumption) or use it for unlawful activities. We will not be liable for your use of the VPN Service. If we think you are abusing the service, we may suspend, limit, or terminate your account at any time.

Social Media Monitoring
Not available in all countries. Social Media Monitoring monitors your accounts on certain social media sites and notifies you of suspicious activity or potentially malicious links. It does not monitor chat or direct messages.

Technical Support Service
We provide technical support to help with you any issues you may encounter through a variety of channels including online articles, chat, and phone support. We may discontinue a channel as necessary. Please ensure you have backed up all of your data prior to accessing technical support because we are not responsible for the loss of any data or damage to your device. We reserve the right to refuse to provide technical support for any reason.

Norton Virus Protection Promise includes a virus removal service provided by a Norton expert. See full terms and conditions at https://norton.com/virus-protection-promise.

Norton Small Business. A Norton Small Business account can only be used by a sole account owner and administrator, and some services are only available to the administrator. The account owner can invite employees (if any) to download and install Norton Small Business on their devices but cannot create accounts for them. Your employees with Norton Small Business installed on their device can access Technical Support Services, but not to services like Norton Password Manager, Cloud Backup, Dark Web Monitoring, Social Media Monitoring, and Financial Monitoring as they require the owner account to sign into the device.

Norton Money. Norton Money uses artificial intelligence to generate responses when you interact with the Genie feature. Norton Money’s responses to your input should not be construed as legal, tax, investment, financial, or other advice. Responses are general in nature, do not address your particular circumstances, and may not constitute a comprehensive or complete statement of the matters discussed. We are not a fiduciary by virtue of your use of or reliance on the Content. Consult a professional if you require any legal, tax, investment, financial or other advice.

Smart Chat. Smart Chat is an optional feature you can enable in Norton Private Browser. Your use of Norton Smart Chat is subject to OpenAI’s terms of use, which can be found at https://openai.com/policies/row-terms-of-use/

Disputes

BINDING ARBITRATION AND CLASS ACTION WAIVER

This clause applies to all U.S. customers other than Norton for AARP members.

a.     We both agree that any dispute arising out of or relating to the software and services (claim) will be determined by binding arbitration or small claims court, instead of in courts of general jurisdiction.

b.     Small Claims Court. Either of us can seek to have a claim resolved in small claims court if all the requirements of the court are satisfied. Claims will be resolved in the small claims court in your county of residence or in the Superior Court of California, County of Santa Clara.

c.      Arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. You agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision, and that we are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision will survive termination of this Agreement.

d.     Notice of Claim. If you decide to seek arbitration, you must first send a written Notice of Claim to us by certified mail and addressed to: General Counsel, Gen Digital Inc., 60 Rio Salado Pkwy #1000, Tempe AZ 85281, and prominently labeled “NOTICE OF CLAIM.” The Notice of Claim should include both the mailing address and email address you would like us to use to contact you. If we elect to seek arbitration, we will send, by certified mail, a written Notice of Claim to your billing address on file. A Notice of Claim, whether sent by you or by us, must (a) describe the nature and basis of the claim or dispute; (b) state the specific amount of damages or other relief sought (“demand”); and (c) whether you reject any subsequent modification of this section by us.

e.     Arbitration Proceedings. If we do not reach an agreement to resolve the claim within thirty (30) days after the Notice of Claim is received, either of us may start an arbitration proceeding (or, alternatively, file a claim in small claims court). The arbitration will be governed by the Consumer or Commercial Arbitration Rules, as appropriate, of the American Arbitration Association (“AAA”) including any applicable Supplementary Rules (collectively, the “AAA Rules”), as modified by this LSA, and will be administered by the AAA. You may download or copy a form of notice, a form to initiate arbitration, and a copy of the Rules at www.adr.org. The arbitrator is bound by this LSA. All issues are for the arbitrator to decide, including issues relating to the scope and enforceability of this arbitration provision. Unless we agree otherwise, any arbitration hearing will take place in the county (or parish) of either your residence or of the mailing address you provided in your Notice of Claim. The arbitrator will issue a reasoned written decision sufficient to explain his or her essential findings and conclusions. If the arbitrator issues you an award that is greater than the value of our last written settlement offer made before an arbitrator was selected (or if we did not make a settlement offer before an arbitrator was selected), then we will pay you, in addition to the award, either U.S. $500 or 10% of the amount awarded, whichever is greater.

f.       Injunctive and Declaratory Relief. The arbitrator will determine all issues of liability on the merits of any demand asserted by either of us and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. To the extent that either of us prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the right to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief will be stayed pending the outcome of the merits of any individual claims in arbitration.

g.     Arbitration Fees. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. You are required to pay AAA’s initial filing fee, but we will reimburse you for this filing fee at the conclusion of the arbitration to the extent it exceeded the fee for filing a complaint in a federal or state court in your county of residence or in Santa Clara County, California. We will not seek to recover the administration and arbitrator fees we are responsible for paying under the AAA Rules or this LSA, unless the arbitrator finds that either the substance of your claim or the relief sought in your demand was frivolous or was brought for an improper purpose.

h.     Class Action Waiver. WE BOTH AGREE THAT WE EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If you have elected arbitration, unless we determines otherwise, the arbitrator may not consolidate more than one person's claims with your claims and may not otherwise preside over any form of class proceeding. The AAA may apply its Supplementary Rules for Mass Arbitrations if applicable. If this specific provision is found to be unenforceable, then the entirety of this section will be void.

i.       Changes. If we change this section after the date you first accepted these terms, and you have not otherwise affirmatively agreed to such changes, you may reject any such change by so stating within your Notice of Claim. By failing to reject any changes to this section in your Notice of Claim, you agree to resolve any claim between us in accordance with the terms of the dispute resolution section in effect as of the date of your Notice of Claim.

ADDENDUM 1 TO LSA: LIFELOCK IDENTITY THEFT PROTECTION AND IDENTITY ADVISOR SPECFIC TERMS OF SERVICE

1.   What do these Terms of Service Apply To? It applies to any LifeLock-branded identity theft protection (ITP) services, including credit, checking, savings account activity alerts, any applicable insurance coverage (the "Protection Programs"), Member Services & Support (in the U.S .and as applicable, Canada), Dark Web Monitoring, LifeLock Identity Alert System, transaction monitoring, credit monitoring, credit scores, and credit reports services and restoration services. LifeLock Identity Advisor includes only a subset of ITP Services, specifically, Dark Web Monitoring, Data Breach Notifications, and the assistance of Member Services & Support to help you resolve an identity theft event. LIFELOCK IDENTITY ADVISOR DOES NOT INCLUDE IDENTITY THEFT INSURANCE, OR ANY OTHER FEATURES OF ITP SERVICES.

2.   Your Social Security Number; Verify Your Information; Credit vs. Non-Credit Versions of Our Services. For any LifeLock Service that includes credit services, you agree that your digital agreement serves as written instructions to us under the Fair Credit Reporting Act, to obtain information on a recurring basis from any consumer reporting agency to provide the . U.S. customers agree to provide a valid and accurate Social Security Number; Canadian customers may at their option provide a valid Social Insurance Number, as applicable, and you agree that we may use it to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide your full address, your date of birth, your social security number and/or requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third-party databases or through other sources. If requested, you agree to provide documentation we may deem necessary in our sole discretion, to prove your relationship with any minor child or other people on your account and that you are duly authorized to act on their behalf. In the event we do not receive all the required personal information during the enrollment process, you agree that we may, in our sole discretion, use our database, the database of our affiliates, or other resources to attempt to complete the required information on your behalf. If you do not provide this information or if we cannot verify your identity, we may refuse to allow you to use credit-based services and automatically provide you the non-credit version of our services. We may continue to attempt to verify your identity and if we successfully do so, we will automatically enroll you into the credit version of the service. For any LifeLock Service that includes credit services, you agree that your digital agreement serves as written instructions to us under the Fair Credit Reporting Act, authorizing us our successors and assigns, to obtain information on a recurring basis from any consumer reporting agency , which may include, but are not limited to (i) confirming your identity, (ii) displaying or disclosing your credit information to you related to your use of the applicable LifeLock services, (iii) allowing us to create and deliver certain features to you, (iv) providing you a tailored experience when interacting with LifeLock, including personalizing offers for financial wellness products, and (v) permitting us to monitor your credit file(s) so that we can provide to you certain fraud alerts and services and provide assistance in reviewing certain portions of your data.

3.   Enrollment Information; Enrollment of Children/Minors or Parents or Seniors. Depending upon the Services you subscribe or otherwise register to use, we may permit you to be enrolled (i) by telephone, (ii) on our website, (iii) by some other method we expressly permit, or (iv) by a third party who is authorized to receive on our behalf or provide your personal information to enroll you on your behalf. Applicable ITP Services may be accessed and used by or on behalf of parents, in-laws, spouse/domestic partner, and/or minor children (for whom you are the legal guardian or parent) and who do not reside with you. If you are enrolling a parent or senior, minor or child as their guardian, spouse or domestic partner into a LifeLock plan, you are responsible for the accuracy of the information and assuring that it is up to date. Further you agree you are duly authorized to provide to us their personal information and you are duly authorized by them to monitor their accounts on their behalf. Upon completion of the enrollment process, and payment to us of any fees owed, you will become eligible to receive the services for which you and those you have enrolled. You further agree you are acting on behalf of those you have enrolled and expressly agree to the LSA, as well as these ITP Terms of Service on their behalf.

4.   LifeLock Senior™ Protection Program or LifeLock Junior™ Protection Program (U.S. only.) A parent or legal guardian acting on behalf of a LifeLock Junior Customer is not covered by any Protection Programs arising from LifeLock Junior Customer's subscription because such coverage belongs to the Junior Customer at the levels described in LifeLock Junior program(s). If you are acting on behalf of a parent, you not covered by any Protection Programs arising from LifeLock Senior Customer's subscription because such coverage belongs to the Senior at the levels described in the LifeLock Senior program(s).

5.   No Fee Services. We may make certain features of ITP Services available for no fee (the "No Fee Services"), including those we make available to Monitors of Senior accounts for our LifeLock Senior Service. No Fee Services may include the ability to receive SMS text messages, email, push notifications and other notifications and the ability to access the services for which you have enrolled or registered through a mobile enabled application. If you use one of our No Fee Services, you are not required to subscribe to the underlying Service; however, you may still be required to register with us and may need to provide permissions for us to contact you via SMS text messages, email, push notifications or automated telephone recordings to fulfill the No Fee Services in the case of our LifeLock Senior service. To register for No Fee Services, you must provide us with certain information, including your name, mobile telephone number and email address, and must also create a username and password.

6.  LifeLock by Norton Notifications. You may also elect to sign up for our SMS service to send a SMS to your mobile phone when you receive an alert. These messages are provided when activity on one of your accounts is detected and triggers a requested alert, as well as to provide information on billing matters. The type and frequency of alerts you receive through SMS may differ from the alerts you receive in your member portal, and mobile alerts may be delayed, incomplete, or not received due to technical errors from our systems, the mobile provider, a third-party company, or your mobile service or device. We expressly disclaim any and all liability related to failure to accurately, fully, or timely deliver any mobile alerts. You can cancel the SMS service at any time. Just text "STOP" to our short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 844-346-3614. Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency will vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. If you have any questions regarding privacy, please read our privacy information.

7.   Home Title Monitoring. This Service sends a notification if there is an ownership or other change on the title to your home recorded by your county’s assessor or recorder’s office. If you receive a notification, you will need to contact your local county assessor or county clerk to get more detailed information and/or correct their records. This is a notice only service. The Home Title Monitoring Service does not include remediation Services by Member Services & Support or Stolen Identity Event Insurance.

8.   Transaction and Alert Monitoring. You Agree We Can Get Your Financial Information for You; Keep Your Information Up to Date. You will need to add or link a financial account to use the transaction monitoring service. You will need to provide us with the account credentials for your eligible financial account(s) (such as credit card accounts, checking and savings accounts and investment accounts) at participating third-party institutions, and agree that you are authorizing us to use the information you provide to us to directly access your account data. If we are unable to access and deliver to you your transaction or alert information, you will be notified, and you are responsible to provide your updated account information. If you do not, we will not be able to access your account information to provide alerts or notifications for any account. You may be notified via email, mobile device, or through the member portal of our inability to obtain transaction information. Not all financial accounts may be supported, and we may add, remove, or modify the types of transactions for which it will provide alerts at any time and without notice to you. Transaction monitoring and alerts may not be available for all your accounts, and the scope of transaction monitoring and alerts may vary by financial institution or credit card accounts you link or add.

9.  YOU ACKNOWLEDGE AND AGREE THAT WE ACCESS AND RETRIEVE INFORMATION ABOUT YOU OR YOUR TRANSACTIONS FROM THIRD PARTY SITES, AS YOUR AGENT FOR THE SOLE AND LIMITED PURPOSE OF PROVIDING THE SERVICES TO YOU. YOU ACKNOWLEDGE AND AGREE THAT NEITHER WE NOR OURSERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE OR RECOMMENDATIONS RELATED TO TRANSACTION ALERTS. IF YOU SIGN UP TO RECEIVE TRANSACTION MONITORING ALERTS ON YOUR MOBILE DEVICE, YOU ACKNOWLEDGE AND AGREE THAT WE WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY BASED ON YOUR RELIANCE ON OR USE OF ANY INFORMATION CONTAINED IN ANY ALERT OR DUE TO A FAILURE TO SEND OR RECEIVE AN ALERT.

10. Authentication Monitoring. We monitor and alert you when companies such as banks, utilities, or other companies are trying to authenticate your right to access your account, so you can respond to the alert and take the appropriate action.

11. Canceling Your LifeLock Service. To cancel ITP Services, call 1-800-LifeLock (543-3562) or you can cancel through the member portal. If you are a Canadian customer, please reach out directly to the party you purchased from to cancel.

12. Identity Theft Insurance. If you are enrolled in a qualifying Protection Program(s) and should you become a victim of identity theft, you may be covered for certain losses in accordance with our Stolen Identity Event Insurance, which is incorporated by reference into these ITP Service Specific Terms. To the extent that your Protection Program includes Stolen Identity Event Insurance, you agree to such insurance coverage, agree that the premium for such insurance will be paid by us on your behalf, and agree to receive notices of insurance and insurance changes electronically. Please review the Stolen Identity Event Insurance, including the reimbursement guidelines set forth therein. The insurance limits are different depending on the program. These identity theft insurance benefits are provided under master group policies issued to Gen for the benefit of our members. Please note that not all Protection Programs include Stolen Identity Event Insurance. Please note that if you enrolled in a Protection Program which includes Prior Identity Theft Remediation, such program does not include Stolen Identity Event Insurance, but you may be eligible for remediation in accordance with our Prior ID Theft Remediation Service Terms which is incorporated by reference into these ITP Service Specific Terms.

13. Important Information About Procedures for Opening Credit Features of the Identity Theft Protection Services; No Credit Repair or Counseling. If we are unable to verify your identity or otherwise obtain your credit score or report from a credit bureau, we will be unable to provide Services that require your credit information. We will continue to provide you other Services that are not dependent on information from your credit report or score from a given credit reporting agency. You agree that you and we are not acting as a credit counselor or credit repair service, and you understand that services requiring a credit score, or report are limited to assisting you in remediating the effects of identity theft.

14. Updating Your Financial/Bank Account Information. You are solely responsible for ensuring your financial accounts are connected. The managed account tab within the Customer portal will give you the date when account was last updated, so that we can alert you to the transactions posted to your linked or added financial institution accounts.

15. Without Purchasing Our Services, You Can Get a Copy of Your Credit Report for Free. (U.S. customers only.) The Fair Credit Reporting Act (a federal law) entitles you to obtain copies of annual credit reports for yourself and for minor children for whom you are the parent or legal guardian. You understand and agree it’s your sole decision to pay any required payments for our services and you are not legally required to. Further, you can request that your name be removed from preapproved credit card mailing lists and to opt out of preapproved credit card offers free of charge at: www.optoutprescreen.com or by calling 1-888-5OPTOUT.

16. Not A Credit Repair Agency; Not Providing Any Legal, Tax, or Financial Advice. You acknowledge and agree that we are not provide any legal, tax or financial advice by providing you our transaction or alerting services to you, and use of any AI features, including Genie and/or the Virtual Advisor, should not be considered legal, tax, or financial advice. We are also not a credit repair agency. Use of our services will not repair your credit or improve your credit worthiness.

17. Limitation of Liability. OTHER THAN PURSUANT TO THE “STOLEN IDENTITY EVENT INSURANCE” (https:www.norton.com/legal) WHICH APPLIES SOLELY IF YOU ARE ENROLLED IN A PROTECTION PROGRAM THAT INCLUDES “STOLEN IDENTITY EVENT INSURANCE”, OUR LIABILITY ARISING OUT OF THE USE OR INABILITY TO USE THE ITP SERVICES OR OTHERWISE IN CONNECTION WITH THIS ITP SERVICES SERVICE SPECIFIC TERMS IS SUBJECT TO THE PROVISIONS THE LSA.

GEN_LSA_January_2026_AMS EN