Protect your credit. Guard your identity.
Welcome to the
Congratulations! You have taken an
important step in safeguarding your
identity from the impact of theft.
Attempting to resolve identity fraud issues
on your own can be complicated and time
consuming. If a wallet belonging to you
or a family member is lost or stolen, the
Identity Watch team will respond immediately
by canceling all registered cards, assuming
all risk and responsibility for fraudulent
charges, monitoring your credit and
providing valuable fraud resolution services.
This Benefits Guide describes the extensive
range of services available to you as an
Identity Watch Member and explains how
you can get the most from your coverage.
Enjoy peace of mind knowing that, with
the Canadian Tire Identity Watch program,
you are well prepared.
CARD PROTECTION page 3
DAILY FRAUD MONITORING page 5
IDENTITY HOTLINE page 7
FINANCIAL ASSISTANCE page 9
BONUS! Valuable Traveler Protection and
Member Convenience Services provided to
you at no extra charge (pages 11 & 13).
Secure Card Registration
It’s important that you register all credit,
debit, charge and ABM cards belonging to
you and your family* right away. This helps
your Service Representative protect you if
your cards are lost or stolen and allows you
to be eligible for financial assistance benefits.
Any new cards you obtain can be added
to your registration at no extra charge.
CODE RED Card Cancelation (24/7)
If your registered cards are lost or stolen,
ONE CALL CANCELS THEM ALL! We will
contact your card companies and ask them
to cancel every registered card and begin
the replacement process. In some cases,
such as a lost debit card, you may need
to request the replacement directly from
your financial institution.
After we notify your card companies, we
will send you a confirmation letter and a new
card registration form. When your new cards
arrive, register them with us right away.
CODE RED CANCELATION:
1-866-217-1104 (toll-free, 24/7)
Fraud Deterrent Labels
A Fraud Deterrent Label placed on the
inside of your wallet lets would-be thieves
know right away that your cards are
protected. 4 labels are provided for you
and your family.
Daily Credit Monitoring
When you call the Identity Watch Hotline
to report a lost or stolen wallet, you’ll
immediately be offered 6 months of
credit monitoring at no extra charge!
This multi-bureau service will monitor your
credit bureau files every business day for
potential fraudulent activities such as loan
applications or new credit card accounts
taken out in your name. As soon as there
is any suspicious activity, a fraud alert
notification will be sent to you the next
The faster identity theft is discovered,
the less damage a thief can do to your
finances, your reputation, and your credit
worthiness. If you lose your wallet, credit
monitoring for fraud is a vital step to help
protect your good name and provide you
with peace of mind.
Credit Report & Credit Score
When you call the Identity Watch Hotline
to report lost or stolen cards you can
request this valuable service. You will
receive a copy of your credit report and
confidential credit score from a Canadian
credit bureau, at no extra charge.
Additionally, about 3 months later, you will
receive an updated credit report and score.
This will alert you to any potential fraud.
Should you become a victim of identity
theft, our trained Anti-fraud Specialists will
explain the necessary steps required to help
restore your credit. Our globally accessible
support centre has extensive emergency
service experience. Our experts will assist
you in contacting credit reporting agencies,
affected creditors, law enforcement, and
Our support centre is always there for you –
and not just when things go wrong. You can
call anytime for identity protection advice.
VICTIM SUPPORT HOTLINE:
Access to Credit Specialists
A team of Credit Specialists is on
hand to provide professional advice to
Identity Watch Members.
Since your credit rating is used by banks
and other lenders to determine your credit
worthiness, it’s important to be well informed.
Understanding the complexities of personal
credit reports and scores makes it easier to
manage your credit. Don’t hesitate to call –
we’re here to help.
Emergency Cash Transfer†
If losing your cards while traveling leaves
you without funds, we will wire up to
$1,000 to a location close to you. This
amount will be charged to a credit card
you designate at the time of the request.
To qualify, you must report your cards
lost or stolen to the Identity Watch program.
This amount will not be charged to your
credit card until at least 30 days after it
has been transferred to you. Related cost
included in monthly or annual fees.
Fraud Liability Protection
One call cancels the risk! From the moment
you call us to report the loss or theft of cards
or cellular phones you’ve registered with the
Identity Watch program, we assume all risk
and responsibility for fraudulent charges.
Debit and ABM cards must be registered to
qualify for this benefit. You must have taken
reasonable precautions not to disclose your
PIN numbers and kept your PIN numbers
separate from your cards.
$3,000 Card Theft Reward††
The Identity Watch program will pay $3,000
for information leading to the arrest and
conviction of the card thief. This reward is
intended to deter fraud and to help with the
conviction of persons charged with fraud.
See “Membership Conditions” for additional
important details and conditions.
Emergency Airline Tickets†
Stranded away from home due to lost or
stolen cards? Call us to report your loss and
we will arrange for pre-paid airline ticket(s)
to be waiting for you at the nearest airport.
The tickets will be charged to a credit card
you designate at the time of the request.
Emergency Message Relay
Traveling and need to contact someone at
home due to a delay or emergency? The
Identity Watch team will attempt to reach up
to 3 people in Canada for you. We’ll make
up to 3 attempts to pass on your message.
When traveling, a personal mailbox acts as
a point of contact for you and anyone you
designate. Once a year, you’ll have up to
30 minutes of messaging for the time you
are away – toll-free within North America.
Additional minutes will be billed at 25¢
Passport Expiry Reminder
Register the expiry date of your passport
with us and we‘ll notify you about 3 months
in advance that your passport is about to
expire. We’ll even send you renewal forms.
Pre-trip Travel Information
Contact us for medical alerts, weather
reports, currency data, travel advisories,
and customs information before you leave.
Important Document Registration
Register important documents, such as
passports, birth certificates, insurance
policies, etc. In case of loss or a catastrophic
event, one call will retrieve this information.
Pre-Authorized Payment Change
If you report your cards lost or stolen, we‘ll
notify companies that you have credit card
pre-authorized payments with (and that
you’ve registered with us) that the payments
should be transferred to a new account.
Cellular Phone Registration
Register your cellular phone number and
service provider with us. When you notify
us that your phone is lost or stolen, we will
assume any fraudulent charges, notify your
carrier and ask them to suspend service.
Lost Key Return Tags
Upon request, we will send you 2 specially
registered key tags to facilitate the return
of your keys if they get lost.
Change of Address
If you move, we will notify card issuers,
magazine publishers and up to 15 other
parties of your change of address. Simply
call us to request the appropriate form.
Important Date Reminder
Register up to 10 important dates with
us and we’ll send you a reminder about
1 month in advance of each date.
Identity theft... Guarding yourself
a growing concern against identity theft
As one of the fastest growing crimes in the You have made a smart decision by enroling
country1, identity theft affects Canadians daily. in the Identity Watch program. It is an
excellent way to guard your identity and
Reported cases rose 63% in 2003 in protect your credit.
North America1. In fact, more than 1 in
10 Canadians has been a victim of identity However, you should always stay alert.
theft, and 38% know someone who has The following steps will further minimize
been a victim2. the risk of identity theft:
• Don’t give out personal information on the
phone, through the mail, or on the Internet
1 in 10 Canadians unless you’ve initiated the contact or are
has been a victim
of identity theft sure you know who you’re dealing with.
• Promptly remove mail from your mailbox.
It’s a criminal activity that can be hard to If you’re planning to be away from home
detect, and the longer it goes undetected,
and can’t pick up your mail, call Canada
the greater the damage – to your finances,
Post to request a vacation hold.
your good name, and your hard-earned
credit rating. • Get a shredder and destroy any
unneeded charge receipts, copies
Identity theft can be devastating. As a
of credit applications, insurance forms,
victim, you could face a long and costly
cheques and bank statements.
process of closing bad accounts, opening
new ones, and repairing a damaged • Shield your computer from viruses and
credit record. You may even be denied spies by updating firewall and virus
jobs and loans. protection software.
No identity theft program can guarantee If you suspect you are a victim of identity
you’ll never be a victim of identity fraud. fraud, contact the Identity Watch Hotline
However, if it should happen to you, the immediately at 1-866-217-1104. The sooner
Identity Watch program can help you take you report any irregularities, the sooner we
action quickly and restore your good name. can help prevent further damage.
Phonebusters, The Canadian Anti-fraud Call Centre
(RCMP & OPP, 2003)
Ipsos Reid Study (Feb. 2005)
Your membership became effective when you enroled in the program. You are Personal Information Protection
eligible for the benefits and services of the IDENTITY WATCH program as long We value your privacy and will not release
as you pay your membership fee. Your membership fee will be automatically
charged to the payment method you specified upon enrolment, at the then any of your information to any third parties
current price. (with the exception of those set out in this
If you are not completely satisfied with your membership, you may cancel Benefits Guide and related documents)
within the first 30 days after the date you enroled. Your membership can be without your expressed permission.
canceled without notice if you do not pay your membership fees. In addition,
By becoming a member, you appoint
your membership can be canceled on 30 days written notice for any other
reason. If your membership is canceled after the first 30 days and your Canadian Tire Financial Services Limited
membership is paid for on a monthly basis, all future monthly fees will be to act as your agent in notifying all the
canceled; if you have an annual membership, you will receive a pro-rated financial institutions and companies you have
refund for each full month remaining in your current membership term.
Your membership will be canceled on the date it is processed. specified of any loss or theft, and where
All dollar amounts in this Benefits Guide are in Canadian dollars. possible, to request replacement cards.
By paying your membership fee, you are deemed to have read and accepted
How to Make a Request
the terms and conditions of membership set out in this Benefits Guide and
related documents. To report a lost or stolen wallet or for
The terms, conditions, services, benefits and prices of your membership in the a member benefit inquiry call the
IDENTITY WATCH program are subject to change at any time. You will be given Identity Watch Hotline at 1-866-217-1104.
advance notice of any changes. If after receiving notice of any change to your
membership, you do not accept the new terms, you may terminate your
membership in accordance with this Benefits Guide.
You have requested that this Benefits Guide and related documents be drawn
up in the English language. Vous avez demandé que ce guide des avantages How to Contact Us
et tous documents connexes vous soient fournis en anglais. Telephone:
Identity Watch services may be provided through third party service providers Canada/United States 1-866-217-1104
including service providers located in the United States. As a result, your (Toll-free, 24/7)
personal information may be processed and/or stored in the United States,
where it may be subject to disclosure under United States law. For more Worldwide (Collect) 905-735-1628
information, call 1-866-217-1104.
Business Address: 555 Prince Charles Drive, Welland, Ontario L3C 6B5 Membership Services
* “Family” is defined as your spouse and dependent children up to the age of 21. P.O. Box 1700, Postal Station “D”
Must be at least 160 km from home and have reported your cards lost or stolen to the Toronto, Ontario M9A 5C7
IDENTITY WATCH program within 24 hours prior to request. Amount of funds transfer subject
to available credit limit at time of request and account must be in good standing. Online:
IDENTITY WATCH members, their spouses, their immediate family and law enforcement www.canadiantire.ca/identitywatch
personnel are not eligible for this reward.
®/™ The trademarks of Canadian Tire Corporation, Limited are used under licence.