EZSHIELD COMMON DEFINITIONS
"Customer" has the meaning set forth in the Terms and Conditions.
"Identity Theft Event" means the fraudulent misappropriation and use by persons or entities (other than agents, employees or contractors of Customer) purporting to act as or on behalf of Customer of either: Customer's official Business Name as used in combination with Customer's Business Number; or any Customer Credit Card Account Number(s) (duly issued credit cards for which Customer is an obligor) as registered by Customer as part of the applicable Service.
"Losses" means, with respect to any Order any debits from Customer's chequing account for cleared cheques due to the Subject Cheque Fraud.
"Order" means the number of cheques Customer has purchased under the EZShield Cheque Fraud Protection Program as part of a single order.
"Resolution Specialist" is a named individual dedicated to Customer's Restoration case and who is certified with the following credentials:
- Certified Identity Theft Risk Management SpecialistTM (CITRMS) from The Institute of Fraud Risk Management
- Association of Certified Fraud Examiners (Associate or above)
- International Association of Financial Crime Investigators (Member or above)
- Consumer Data Industry Association (Fair Credit Reporting Act Exam)
"Service" means the EZShield service offering referenced in the applicable EZShield Service Description.
"Subject Cheque Fraud" means any occurrence of:
- a forged signature (a legitimate blank cheque that is forged with the Customer's signature as the payer);
- a forged endorsement (a legitimate cheque that is endorsed and cashed or deposited by a person other than the designated payee based upon a fraudulent endorsement; or
- an altered cheque (a legitimate cheque that is fraudulently altered as to the designated payee, cheque amount, or otherwise so as to benefit the person altering the cheque).
Subject Cheque Fraud does not include counterfeit cheques or any cheque that bears a legitimate original endorsement that is secondarily fraudulently endorsed.