How does the stolen funds and expense reimbursement work?
Each individual membership includes $1,000,000 in stolen funds and expense reimbursement protection. Since a family plan consists of 2 memberships, the total amount of coverage on a family plan is $2,000,000. This can cover stolen funds from bank accounts, investment accounts, HSA’s, 401k’s, IRA’s, etc. if your accounts are hacked or you suffer a loss due to an ID theft event. It also covers any expenses incurred as a result of ID theft such as legal fees, lost wages, and other out-of-pocket costs. Full details on the insurance portion of the product may be found here.
Does your product include coverage for home title fraud?
Yes, our plan covers all types of identity theft. If you become a victim of home title fraud, our team of experts will assure your home title and equity are restored, even covering legal costs incurred in the restoration process.
I’m a victim of identity theft, but I am not a member. Can I join today and get help?
We can offer advice and limited restoration services, but the stolen funds and expense reimbursement will not apply to any identity theft events that occurred outside the term of your membership. However, if you’ve been a victim of identity theft once, there is a much higher chance you will become a victim again. We recommend enrolling right away so we can assist with any future incidents.
Can I still become a victim of identity theft if I am enrolled in Zander Identity Theft Solutions?
While we provide a comprehensive approach to help prevent identity theft, no identity protection service can completely prevent identity theft from happening. Data Breaches and the accessibility of data make it easier than ever for thieves to get their hands on our personal information. That's why it is so important to have a plan that offers fully managed recovery services.
What happens if I become a victim of identity theft?
Our plan covers all types of identity theft, whether it’s related to a credit bureau, financial institution, the IRS, social security administration, unemployment, children on the family plan, criminal activity, title fraud, etc. If you become a victim of identity theft, your dedicated restoration specialist will be your guide through every step of the process to restore your identity and your good name. We have the contacts, the knowledge, and the experience to resolve in hours what it may take someone weeks to clean up on their own.
Does my Homeowner’s Policy cover Identity Theft?
Many insurance companies offer an endorsement or a rider to their standard policy that allows limited ID Theft protection to be added. These policies typically focus strictly on reimbursing the expenses you incur (less a deductible) and do not address the true risk of ID Theft, which is huge amount of time and effort it can take to resolve. Some plans will provide limited recovery assistance that includes an information packet containing phone numbers to the credit bureaus, IRS, social security administration, etc. In the end you will still need to take on all the responsibility and frustration of restoring your identity, and dealing with all the legal, financial and other personal challenges.
I am a business owner. Does this product cover my business if it becomes a victim of identity theft?
Our product covers people and personal assets only. It does not cover assets owned or controlled by businesses, LLC’s, trusts, etc. However, we have a separate product that does cover these types of entities. Learn more here.
I am a business owner and am interested in offering the product as an employee benefit. Does Zander offer that?
Yes! Many employers and associations recognize the growing threat of identity theft and understand the value of incorporating an identity theft program into their employee or membership benefits package. Some businesses choose to offer it to their customers as a way to set themselves apart from their competitors and increase employee loyalty and retention. Zander works with employers, associations, and businesses of all sizes across the country and has the flexibility to offer group discounts and a simplified enrollment processes. Please click here to learn more about offering identity theft protection as a corporate benefit.
Why does Dave Ramsey endorse Zander Identity Theft Solutions?
Dave endorses our plan, and has purchased it for his family and all of his team members, because he understands that identity theft cannot be prevented and recognizes that Zander's plan is the most comprehensive, effective, and affordable program available. Our plan covers ALL types of identity theft and guarantees complete restoration of your identity, regardless of how you became a victim. Our expert recovery specialists have the training and experience to resolve some issues in hours or days when it may take someone weeks or months on their own.
Personal Information Monitoring
How does Personal Information Monitoring work?
Personal Information Monitoring is a pro-active step in detecting the buying and selling of your personal information online. If monitored information is found, an alert will be delivered to you by email and will provide details on preventative next steps.
Where is my information being monitored?
We search thousands of websites, chat rooms, message boards, and other communication forums collectively known as the “dark web” to find cyber criminals who may have stolen your information and are trying to sell or trade it online.
What personal information can you monitor?
We monitor the dark web for the exchange of your social security number, driver's license number, debit and credit card numbers, bank account numbers, email addresses, phone numbers, medical insurance numbers, passports, and more.
Am I required to provide all of my personal information?
No. You are not required to provide any personal information beyond the basic information that is required to enroll. However, the more information you provide, the more thorough and effective our searches will be.
Is there a limit to the number of accounts, email addresses, etc. you can monitor for me?
Yes. The list below provides the maximum number of each element we’re able to monitor.
|Individual Plan||Family Plan|
|Social Security Number||1||2 Adults, up to 10 Children|
|Credit? Debit Cards||10||20|
|Bank Account Numbers||10||20|
|Driver's License Numbers||1||2|
|Retail Store Card Numbers||10||20|
|Medical Insurance ID Numbers||10||20|
Is this the same as credit monitoring?
No. Credit monitoring as an ongoing service is often very expensive, yet it’s actually free. How is that possible? By law, each of the 3 major credit bureaus must give consumers 1 free credit report each year upon request, and the credit bureaus are currently offering free weekly access to your credit reports through www.annualcreditreport.com. Credit monitoring does not stop ID theft from happening, and the real value in ID theft protection is in the recovery services and restoration benefits. Our goal is to keep our plans as reasonably priced as possible and one way we do that is by not charging our clients for this service which they can easily perform themselves.x
Are you monitoring the transaction activity on my bank account, debit card, or credit card accounts?
We recommend you set up set up transaction alerts directly with the financial institutions you do business with, as most now offer this as a complimentary service. We do not have direct access to view the transactions in your bank account, debit card, or credit card accounts. We are monitoring the numbers specifically to alert you if they are being bought, sold, or traded on the dark web.
How does a Family Plan work?
Family Plans cover any 2 adults and up to 10 dependent children in the home. While the 2 adults are typically spouses, this is not a requirement. A Family Plan may be suitable for someone who wants to provide the full membership benefits for an elderly parent, adult child, domestic partner, sibling, roommate, friend, etc. Family Plans create two separate memberships – one for the Primary member and another for the Secondary member. That means the Primary and Secondary members will have separate membership numbers and log in credentials. Billing, child monitoring, and Ultra Access (Elite plan only) are managed in the Primary member’s account.
How does child monitoring work?
Family Plans include full monitoring and restoration benefits for up to 10 minor children living in the primary member’s household. The monitoring benefits conclude on a child’s 18th birthday, but the child’s restoration and recovery benefits remain in effect as long as the child resides in the same household as either the primary or secondary member AND is a legal dependent of either the primary or secondary member. There is one exception covered in the next question.
I have a dependent who is a full time college student. Is he or she still covered under my plan?
Yes! While monitoring for children stops at age 18, unmarried dependents who are full time students and are under age 26 are still covered for restoration and recovery services under their parents’ family plan, even if they do not reside in the same household.
What is a VPN and why do I need one?
A VPN is software that encrypts and disguises your data and protects it from external access while you browse, shop, or bank online. Unencrypted data can be viewed by anyone with access to the network who wants to see it, but a VPN prevents hackers and criminals from deciphering this data. A VPN is especially important if you regularly connect to public Wi-Fi networks. You never know who may be monitoring your online actively or when they may be attempting to steal your passwords, personal information, financial data, etc.
Who is Zander’s VPN partner?
Our Elite ID Theft Protection Plan includes access to UltraVPN. You can learn all about the specifics of this product here.
Which devices are compatible with UltraVPN?
Windows and MacOS desktop / laptop computers and iOS (Apple) and Android mobile devices are all compatible. Chromebooks are not compatible at this time.
Are there any browsing or activity logs kept while connected to UltraVPN?
No. Your connection to UltraVPN is completely private and anonymous.
Are there any bandwidth caps?
How many location servers does Ultra have?
What is Antivirus software and why do I need it?
Antivirus software regularly scans your devices to detect and eliminate threats and security risks. The UltraAntivirus software included with the Elite plan protects against malware, spyware, trojans, worms, and other malicious software that could compromise your data and spread to other networks. It looks for hidden viruses and eliminates them automatically.
Which devices are compatible with Ultra Antivirus?
UltraAV supports Windows 7, 8, and 10 and Mac / Apple OS 10.12 and later.
Should I Activate Zander’s Ultra Antivirus Feature if I Already Have Antivirus Software?
No, there is no need to have two antivirus programs on any device. If you are already using a different antivirus software and you are happy with its functionality, you can still upgrade to the Elite plan and take advantage of the other features of the product like the UltraVPN, Credit Lock, and Financial Account Takeover monitoring. If you do opt to utilize the Ultra Antivirus feature of your Elite ID theft protection plan from Zander, any existing antivirus programs (such as Norton or Windows Defender) should be uninstalled prior to downloading Ultra Antivirus. Having multiple antivirus programs on a device may cause problems during installation and result in less-than-optimal performance on your device(s).
How many devices can I protect?
The Elite plan includes protection for up to 10 devices on the individual plan and 20 devices on the family plan.
What are the download sizes of the Ultra VPN and Antivirus programs?
VPN – 16MB, Antivirus – 24 MB
Do I need to log into my Zander account every time I want to use the VPN or Antivirus software?
No. The initial download of the UltraVPN and Antivirus software is accessible from within your Zander ID Theft online account, but once they’ve been downloaded to your device(s), you will not need to log into your Zander account to access either program.
What else does the Elite plan include?
There are two additional features on the Elite plan beyond the UltraVPN and Ultra Antivirus. These are:
- 1 Click Credit Lock: Allows you to easily and instantly lock and unlock your Experian credit bureau profile
- Financial Account Takeover Monitoring: Alerts you if changes are made to an existing bank account, including if a new user is added.