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License and Services Agreement (LSA)

CRITICAL
FIRST SEEN 2026-08-11 · VERSION 20260811_rev01 · FIRST CAPTURED VERSION

What changed, in plain language

How reviews are made

This diff shows the entire Norton/Gen Digital License and Services Agreement being added, which means there was no usable earlier text to compare against — this reads as a first full capture rather than a set of edits. Because nothing can be compared, everything below describes what the agreement now says, not necessarily what recently changed. The terms are aggressive for consumers in several places: U.S. customers must use arbitration or small claims court and give up class actions, Gen can change the agreement without telling you at all, prices can change at any time, renewals are charged up to 35 days early, and Gen's total liability is capped at what you paid (or $100). There is also broad consent to automated and AI-generated phone calls and texts, and LifeLock customers authorize ongoing pulls of their credit file that can be used to personalize financial product offers.

Changes that may affect you

Forced arbitration plus class action waiver for U.S. customersCRITICAL
FORCED ARBITRATION

U.S. customers must take disputes to a private arbitrator or small claims court instead of a regular court, give up a jury trial, and can only sue for themselves — never as part of a group. Together these make it very hard to challenge a company-wide problem like a bad billing practice, because a single small claim usually is not worth the effort. There is no opt-out window offered; the only thing you can reject is a future change to this section, and only inside a formal Notice of Claim. The arbitrator, not a judge, even decides whether this clause is valid.

“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.”

What you can do — If you ever need to file a claim, send a written Notice of Claim by certified mail to General Counsel, Gen Digital Inc., 60 Rio Salado Pkwy #1000, Tempe AZ 85281, labeled 'NOTICE OF CLAIM' — and state in it that you reject any changes Gen has made to the disputes section since you signed up.

You cannot join a class actionSERIOUS
CLASS-ACTION WAIVER

You give up the right to be part of any class or representative case. If the same problem hits millions of customers for a small amount each, no one can combine those claims. Note that if a court throws out this specific waiver, the entire disputes section becomes void.

“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.”
Gen can change the agreement without telling youSERIOUS
UNILATERAL CHANGES

One section says Gen can change or update the agreement with no notice at all, and just keeping the product means you accepted. That means terms you never saw can bind you. It also sits awkwardly with another section saying changes are posted to the website and that renewing is what signals your acceptance — either way, the burden of noticing is entirely on you.

“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.”

What you can do — Re-check norton.com's legal page before each renewal date, since you will not be emailed about term changes.

Auto-renewal charged up to 35 days early at a price that can change any timeSERIOUS
BILLING & RENEWAL

Your subscription renews on its own, and the charge can hit your card more than a month before the old term ends — so your window to cancel before being billed is much shorter than the expiry date suggests. The renewal price is whatever Gen charges at that moment, which can be higher than what you paid, and Gen can raise prices at any time after an intro period. If you cancel late, the refund policy may not give you all your money back.

“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.”

What you can do — Set a reminder about 45 days before your renewal date and either turn off auto-renewal in your account or cancel; for LifeLock, call 1-800-LifeLock (543-3562) or cancel in the member portal.

Backup cards charged and failed payments retried automaticallyMATERIAL
BILLING & RENEWAL

If you have saved more than one card, Gen can charge a different card when the first one fails. It can also take updated card numbers and expiration dates straight from your bank or card network, and retry declined charges by treating expired cards as still valid. Letting a card expire is therefore not a reliable way to stop billing.

“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.”

What you can do — Remove any saved backup cards you do not want charged, and cancel in your account rather than relying on a card expiring.

Products can be discontinued and updates installed in the backgroundMINOR
UNILATERAL CHANGES

You agree to let Gen install updates in the background, and Gen can stop supporting old versions or drop features entirely. In some cases, once a product is discontinued you will not be able to renew it at all.

“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.”
Gen's liability capped at what you paid, or $100SERIOUS
LIABILITY LIMITS

If Norton's security software fails and you lose data, money, or a working computer, the most you can generally recover is what you paid for the current subscription period — or $100 if you never paid. Lost data, lost profits, and service interruption are excluded outright. That is a low ceiling for a product sold as protection against identity theft and malware. LifeLock's Stolen Identity Event Insurance is the one carve-out, and only if your plan includes it.

“These exclusions and limitations are fundamental elements of the basis of the bargain between the us and you.”
Consent to automated and AI-generated calls and texts to any number you giveSERIOUS
DATA COLLECTION

You agree that Gen, its affiliates, and its service providers can call or text any phone number you have given or will give in the future, using auto-dialers, recorded voices, or artificial intelligence. The list of covered 'Service Communications' includes renewal reminders and payment method updates, which are commercially useful to Gen. You also take on the duty to tell Gen whenever a number changes, and you promise you had the right to sign up anyone else's number in your household.

“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.”

What you can do — For LifeLock SMS alerts you can text STOP to the short code at any time; only give phone numbers you actually control, and update Gen promptly if a number changes.

LifeLock credit pulls also used to market financial products to youSERIOUS
DATA SHARING

Agreeing counts as your written FCRA permission for Gen — and its 'successors and assigns' — to pull your credit file repeatedly. The listed uses go beyond fraud protection to include a 'tailored experience' and personalized offers for financial wellness products. In other words, your credit data helps market things to you. If you leave out information, Gen may fill the gaps using its own or its affiliates' databases.

“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”

What you can do — You can get free annual credit reports and opt out of prescreened credit offers at www.optoutprescreen.com or 1-888-5OPTOUT without paying for this service.

LifeLock requires your bank and investment account login credentialsSERIOUS
DATA COLLECTION

To use transaction monitoring you must hand over the credentials for your checking, savings, credit card, and investment accounts so Gen can log in and pull your data directly. Gen also disclaims all liability if alerts are delayed, incomplete, or never sent, and can change which transactions it monitors at any time with no notice to you.

“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.”

What you can do — Do not rely on these alerts as your only fraud check — keep your bank's own alerts turned on too.

Your backed-up content is deleted on Gen's private scheduleMATERIAL
DATA RETENTION

After you uninstall or the agreement ends, Gen deletes your files, images, and passwords 'in accordance with our internal policies' — a schedule that is not published anywhere in this agreement. You have no stated deadline by which your data is gone, and you carry the whole burden of saving copies before you leave.

“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.”

What you can do — Download and back up anything stored in Norton Cloud Backup before you cancel or uninstall.

Cloud backup data may be reviewed and disclosedMATERIAL
DATA SHARING

Files you store in Norton's cloud backup can be monitored, reviewed, kept, and handed to others when the law requires it or when Gen is investigating suspected misuse. Gen also says the service must not be used for financial or health records, so sensitive documents get no special protection here.

“We may monitor, review, retain, and disclose data as required by law or to investigate misuse or breaches.”

What you can do — Keep financial and medical records out of Norton Cloud Backup, or encrypt them yourself first.

VPN and support can be cut off on suspicion aloneMATERIAL
TERMINATION

For Norton VPN, Gen can suspend, limit, or end your account at any time if it merely believes you are overusing or abusing the service — no proof or appeal is described. Gen also says it can refuse technical support for any reason. Breaking the main agreement means suspension or closure of your account, with no refund promised.

“We reserve the right to refuse to provide technical support for any reason.”
California law and a California venue for the whole AmericasMATERIAL
JURISDICTION

If you live anywhere in North, Central, or South America (outside Brazil and Quebec), California law governs, and small claims cases can be heard in Santa Clara County, California — potentially thousands of miles away. The UN sales convention and conflict-of-law rules that might otherwise favor your home country are excluded.

“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.”
You take responsibility for enrolling family members and for tracking featuresMATERIAL
USER OBLIGATIONS

If you add a child, parent, spouse, or employee to a plan, you personally promise you are legally allowed to share their information and monitor their accounts, and you agree to these terms on their behalf. You also take on responsibility for the accuracy of their data and for complying with your local laws when using tracking or monitoring features. Note that a parent enrolling a LifeLock Junior member is not themselves covered by that plan's insurance.

“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.”

What you can do — Before adding another adult to your plan, get their actual permission — you are the one on the hook if they did not agree.

Feedback becomes Gen's to use for freeMINOR
CONTENT LICENSE

Anything you suggest to Gen can be used however it wants, forever, with no credit or payment to you. This is common in software terms, but it does mean a genuinely valuable idea you share becomes theirs.

“Of course! Please keep in mind that we'll use it without restriction or payment.”
Smart Chat sends you into OpenAI's termsMINOR
OTHER

Turning on Smart Chat in Norton Private Browser means a third party's terms — OpenAI's — also govern that use. Norton's own promises do not cover what OpenAI does with what you type. Norton Money's Genie AI answers also come with a disclaimer that they are not financial, tax, or legal advice.

“Smart Chat is an optional feature you can enable in Norton Private Browser.”

What you can do — Read OpenAI's terms at https://openai.com/policies/row-terms-of-use/ before enabling Smart Chat, and avoid typing sensitive details into it.

Changelog

  1. + ADDEDFull agreement captured for the first time

    The whole License and Services Agreement appears as new text, including the disputes section and the LifeLock identity-theft addendum. There was no readable earlier version to compare it against, so treat this as a baseline snapshot.

    ##### **License and Services Agreement (LSA)**

  2. + ADDEDU.S. disputes go to arbitration, not court

    If you live in the U.S., you agree to settle almost any dispute through private arbitration or small claims court instead of a regular lawsuit. You also give up a jury trial. This does not apply to Norton for AARP members.

    you agree to resolve all disputes relating to this agreement through arbitration or in small claims court

  3. + ADDEDClass action waiver

    You can only bring claims for yourself. You cannot join or start a class action or any group lawsuit against Gen Digital.

    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.

  4. + ADDEDTerms can change with no notice at all

    Gen Digital says it can change the agreement without notifying you, and simply continuing to use the product counts as your agreement. A separate section says changes are posted to the website and renewing means you accept them.

    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.

  5. + ADDEDAutomatic renewal charged up to 35 days early

    Paid subscriptions renew automatically unless you opt out, and your card can be charged up to 35 days before the current term ends. The renewal price may be higher than what you first paid.

    will charge your payment type up to 35 days before the subscription is due to end

  6. + ADDEDPrices can change at any time

    After any introductory period, Gen can raise your price whenever it wants, for reasons including taxes, inflation, or its own costs.

    We may change the price you pay for the software or services at any time after the introductory period (if applicable).

  7. + ADDEDBackup cards can be charged and failed payments retried

    If you store more than one card, Gen can charge the backup one when the main card fails. It can also accept updated card details straight from your bank and retry failed charges, including by extending expiration dates itself.

    We may also retry failed payments to complete transactions, including by retrying failed cards by extending expiration dates.

  8. + ADDEDLiability capped at what you paid, or $100

    Gen's total responsibility for anything that goes wrong is limited to what you paid for the current subscription period, or $100 if you never paid anything. Indirect losses such as lost data, lost profits, or a damaged computer are excluded.

    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)

  9. + ADDEDConsent to automated, pre-recorded, and AI phone calls and texts

    You agree Gen, its affiliates, and its service providers can call or text any number you give them, now or later, using auto-dialers, recorded voices, or artificial intelligence. You also promise you are the real user of every number you give, and that you may consent for a second person in your household.

    we may make those calls, or send those messages using an automatic telephone dialing system, artificial or pre-recorded voice, or artificial intelligence

  10. + ADDEDLifeLock: ongoing credit pulls used to personalize offers

    Signing up counts as written permission under the Fair Credit Reporting Act for Gen and its successors to pull your credit file over and over. Uses include showing you a 'tailored experience' and personalized offers for financial products, not just fraud monitoring.

    providing you a tailored experience when interacting with LifeLock, including personalizing offers for financial wellness products

  11. + ADDEDLifeLock: you hand over bank and card login credentials

    To use transaction monitoring you must give Gen the login credentials for your financial accounts so it can access your account data directly. Gen also disclaims liability if alerts are late, wrong, or never arrive.

    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

  12. + ADDEDBacked-up content deleted 'in accordance with our internal policies'

    After the agreement ends, your stored files, passwords, and other content are deleted on Gen's own internal schedule, which is not published. You are responsible for saving your own copies first.

    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.

  13. + ADDEDCloud backup data can be reviewed and disclosed

    For cloud or online backup, Gen may monitor, review, keep, and hand over your stored data when the law requires it or when it is investigating misuse.

    We may monitor, review, retain, and disclose data as required by law or to investigate misuse or breaches.

  14. + ADDEDAccounts can be suspended or closed for rule breaks; VPN on suspicion alone

    Breaking the agreement means Gen will suspend or end your service and may close your account. For Norton VPN, Gen can suspend, limit, or terminate your account at any time if it merely thinks you are abusing the service. Technical support can also be refused for any reason.

    If we think you are abusing the service, we may suspend, limit, or terminate your account at any time.

  15. + ADDEDCalifornia law governs for the Americas

    For customers anywhere in North, Central, or South America, California law applies (with separate rules for Brazil and Quebec). Small claims cases can be pushed to Santa Clara County, California.

    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.

  16. + ADDEDFeedback you send can be used free and without limits

    Any suggestions or feedback you give Gen can be used however it likes, with no payment to you.

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

  17. + ADDEDSmart Chat runs under OpenAI's terms

    If you turn on Smart Chat in Norton Private Browser, your use is also governed by OpenAI's separate terms of use, which Gen does not control.

    Your use of Norton Smart Chat is subject to OpenAI's terms of use

  18. + ADDEDBackground updates and product discontinuation allowed

    You agree Gen can install updates in the background, stop supporting older versions, and discontinue products or features — after which you may not be able to renew.

    In certain circumstances, after we do this, you won't be able to renew your subscription.

Full text changes

COLOUR MARKS THE SEVERITY OF A FLAGGED CLAUSE · + AND − MARK ADDED AND REMOVED

1##### **License and Services Agreement (LSA)**
2
3**Welcome to the Gen Digital Family!**
4
5Before 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.
6
7**Things to remember while you read this . . .**
8
91\. When you see a word in **bold**, it will have the same meaning every time it's used in this document.
10
112\. 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.
12
133\. 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.
14
154\. When we say . . . **you** or **your**, this means you or the business or company you're authorized to represent.
16
175\. 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.
18
19**What about my privacy?**
20
21Thank 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.
22
23**How can I use the software and services?**
24
25When 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.
26
27**Your license is for you only:**
28
29The 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.
30
31We're allowing you to use your license:
32
33- For as long as you continue to pay any applicable fees for your subscription or until the subscription ends.
34- For the length of time you chose when you made your purchase or, if you didn't choose a subscription length, one year.
35- 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.
36- 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.)
37
38If 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.
39
40**What about others?**
41
42Some 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.
43
44**What about free software and services?**
45
46Sometimes, 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.
47
48**What can't I do with the software and services?**
49
50Our 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...
51
52- 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);
53- try to figure out the source code, including by reverse engineering or decompiling the software or services;
54- make modifications to the software or services;
55- commercialize the software or services, including by selling, lending or renting them;
56- use a pirated version of the software or services;
57- create any product or service based on the software or services;
58- transfer the software or services to anyone else, including by sub-licensing or assigning them;
59- use the software or services to do anything illegal;
60- publish or make copies of the software (other than backups);
61- interfere with anyone else's use of the software or services;
62- try to get around any technical protection measures in the software and services;
63- exceed any applicable content storage or bandwidth limitations;
64- use a multi-user product to track and monitor any other person without their consent;
65- 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,
66- continue to use the software or services after your rights to use the software or services have expired or been terminated.
67
68**Do products or services include third-party features or content?**
69
70Yes. 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.
71
72**Are Gen products or services available everywhere?**
73
74Our 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.
75
76**How do updates to the software and services work?**
77
78We 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.
79
80**Plans with Unlimited Device Protection**
81
82Unlimited 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.
83
84**Can software or services be discontinued?**
85
86From 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.
87
88**Payment and automatic renewal**
89
90If 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.
91
92**Updating your payment details**
93
94If 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.
95
96Sometimes 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.
97
98**How does automatic renewal work?**
99
100Paid 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.
101
102**Price Changes**
103
104We 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.
105
106**Authorized Resellers**
107
108You 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.
109
110**When does this agreement end?**
111
112This 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.
113
114**Can I cancel my subscription?**
115
116Yes, 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](https://lifelock.norton.com/legal/refundpolicy) 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.
117
118**Will my subscription be suspended or cancelled if I break the terms of this agreement?**
119
120Yes. 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.
121
122**What happens to my data after this agreement ends?**
123
124We 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.
125
126**Limitation of liability** 
127
128Some 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.
129
130To 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.
131
132You 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.
133
134**Some general housekeeping**
135
136**Can these terms be changed?**
137
138Sometimes 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.
139
140For 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.
141
142**Can I give my feedback?**
143
144Of course! Please keep in mind that we'll use it without restriction or payment.
145
146**What about data charges?**
147
148You're responsible for paying all data and mobile charges associated with using the software and services.
149
150**Consent to Telephone Calls and Text Messages**
151
152You 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.
153
154You 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.
155
156For 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.
157
158If 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?**
159
160<table><tbody><tr><td><p>If You are a resident of:</p></td><td><p>Then, these laws apply:</p></td></tr><tr><td><p>North, Central &amp; South America (Americas)</p></td><td><p>State of California</p></td></tr><tr><td><p>Brazil</p></td><td><p>Laws of Brazil</p></td></tr><tr><td><p>Quebec, Canada</p></td><td><p>Laws of Québec, Canada</p></td></tr></tbody></table>
161
162No matter which local law applies, the following will always be excluded:
163
164- Conflict of law principles;
165- The United Nations Convention on Contracts for the International Sale of Goods; and
166- The Uniform Computer Information Transactions Act.
167
168You 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.
169
170**What if there's a dispute?
171**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.
172
173**Export control
174**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.
175
176**Complete agreement
177**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.
178
179**Changes to the agreement
180**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.
181
182**Translated versions
183**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.
184
185**No waiver
186**We will only waive a provision of these terms in a signed document.
187
188**Licensing entities
189**The software and services are licensed to you by Gen Digital Inc.
190
191**Gen Digital contact information**
192
193Gen Digital Inc.
194ATTN: LEGAL DEPARTMENT
19560 E. Rio Salado Pkwy, Ste 1000
196Tempe AZ 85281
197
198**Product Specific Provisions:**
199
200**Cloud or Online Backup
201**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.
202
203**Dark Web Monitoring
204**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.
205
206**LifeLock Identity Theft Protection Services and/or LifeLock Identity Advisor
207**Specific terms and conditions relating to your use of LifeLock Identity Theft Protection are included in Addendum 1.
208
209**Norton Family and Norton Parental Controls
210**Norton Family and Norton Parental Control monitor and manage the online activities of children up to 16 years old.
211
212**Norton Safe Search, Safe Search Enhanced and Safe Web
213**Norton Safe Search family of products may access your web browser, browsing data, email and other third-party account content associated with your device.
214
215**Privacy Monitor and Privacy Monitor Assistant
216**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.
217
218**Norton VPN
219**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.
220
221You 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.
222
223**Social Media Monitoring
224**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.
225
226**Technical Support Service
227**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.
228
229Norton 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](https://norton.com/virus-protection-promise).
230
231**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.
232
233**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.
234
235**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/
236
237**Disputes**
238
239**BINDING ARBITRATION AND CLASS ACTION WAIVER**
240
241This clause applies to all U.S. customers other than Norton for AARP members.
242
243a. 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.
244
245b. **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.
246
247c. **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.
248
249d. **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.
250
251e. **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](http://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.
252
253f. **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.
254
255g. **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.
256
257h. **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.
258
259i. **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.
260
261**ADDENDUM 1 TO LSA: LIFELOCK IDENTITY THEFT PROTECTION AND IDENTITY ADVISOR SPECFIC TERMS OF SERVICE**
262
2631. **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.
264
2652. **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.
266
2673. **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.
268
2694. **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).
270
2715. **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.
272
2736. **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.
274
2757. **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.
276
2778. **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.
278
2799. 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.
280
28110\. **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.
282
28311\. **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.
284
28512\. **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](https://www.nortonlifelock.com/legal), 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](https://www.gendigital.com/legal/prior-id-theft-remediation/) which is incorporated by reference into these ITP Service Specific Terms.
286
28713\. **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.
288
28914\. **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.
290
29115\. **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](https://www.optoutprescreen.com/) or by calling 1-888-5OPTOUT.
292
29316\. **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.
294
29517\. **Limitation of Liability**. OTHER THAN PURSUANT TO THE "STOLEN IDENTITY EVENT INSURANCE" ([https:www.norton.com/legal](https://www.nortonlifelock.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.
296
297**GEN\_LSA\_January\_2026\_AMS EN**