This policy does not cover:

1. Abnormal Conditions/ State of Emergency / Mass Cyber-Attack
2. Bodily Injury
3. Business Activities
4. Confidence Scams
5. Currency
6. Dishonest Acts
7. Indirect or Consequential Loss
8. Infrastructure Failure
9. Lost or Stolen Plastic Cards
10. Nuclear Risks
11. Prior Matters
12. Property Damage
13. Terrorism
14. Voluntary Disclosure
15. War, Invasion and Civil Commotion
16. Police Report
17. Wear and Tear
18. Corporate Cyber Liability Exclusion
19. Infectious / Communicable Disease Exclusion
20. Restoration costs
21. Extortion payment
22. Cyber Liability

SPECIFIC EXCLUSIONS

1. animals;
2. cash, bullion, negotiable instruments, shares, travelers checks,
3. products purchased for commercial use including items purchased for re-sale or tools of trade or profession;
4. counterfeit or fake products;
5. products used for, or intended to be used for, commercial, retail and/or property rental, or other business purposes;
6. products that were, at the time of purchase, used, rebuilt, refurbished, or remanufactured;
7. misplacement;
8. mysterious disappearance; or
9. products deemed to be illegal by local government authorities;
10. gross negligence of any kind.

Dependent Children means any of your children who:

1. Permanently reside with you;
2. Are under eighteen (18) years old and;
3. Are unmarried.

Cyber act means:

1. The fraudulent or malicious input, modification, deletion, corruption, encryption or extraction of your digital assets, residing on your computer system, which is caused by the introduction of malware or hacking by a third party;
2. The fraudulent or malicious disablement of access and control of your computer system, which is caused by the introduction of malware or hacking by a third party: or
3. Cryptojacking.

Cryptojacking means the unauthorized use of your computer systems by a third party for mining cryptocurrency.

Cyber event means:

1. the fraudulent electronic transfer of funds or property from your personal account with a financial institution by:

1. a third party; or
2. the financial institution acting in good faith upon a fraudulent incoming electronic communication purporting to have been sent but which was not sent by you;

2. you acting in good faith upon any fraudulent incoming electronic communication request and transferring funds or property from your personal account with a financial institution, to the account of a third party;
3. fraudulent unauthorized use of or electronic transfer of funds stored in your personal digital wallet held with an online merchant; or
4. the fraudulent unauthorized online purchases by a third party that are charged to your plastic card.

Cyber bullying means the posting of material online by anyone acting maliciously and is intended to cause you embarrassment, humiliation or distress.

Cyber bullying expenses means reasonable and necessary expenses incurred by you, with our prior written consent:

1. 1. To reduce and mitigate the impact of unlawful harassment and/or defamation of you via online media such as psychological consultation, relocation costs and online reputation restoration; or
   2. To pursue or defend legal action in respect of or arising from a cyber bullying incident.

Digital Assets means software, programs, your personal electronic data, digital photos, digital music and digital video stored on your computer system.

Digital wallet is an e-wallet associated with a user's account with an online merchant and is intended for effecting payment for the purchase of goods and services through the online merchant's website.

Electronic communication means:

1. electronic mails;
2. instructions given via the online banking or trading platform of a financial institution; or
3. instructions given via the mobile application software (App) of a financial institution.

Electronic data means information stored or transmitted in a digital format.

Financial loss means:

1. loss of funds from your personal account with a financial institution or from your digital wallet with an online merchant;
2. any associated fees, penalties or interest incurred by you which have been levied by the financial institution or online merchant;
3. plastic card charges that you have incurred, including any penalties or interest which have been levied by the financial institution

Financial Loss does not include any taxes, the loss of tax benefits, or fines and penalties imposed by law.

First discovered means your earliest possible discovery of identity theft, online marketplace fraud, cyber event, or cyber bullying during the policy period subject to sixty (60) days from the date of occurrence.

Identity theft means the unauthorized and/or illegal use of your personal information by a third party without your consent for the purpose of obtaining goods, money or services.

Identity theft expenses means:

1. Reasonable and necessary expenses (including legal costs) incurred by you, with our prior written consent:

1. To correct or reinstate official public records after an identity theft has occurred;
2. For challenging the accuracy or completeness of a consumer credit report;
3. For the preparation and attendance at any audit or hearing conducted by a governmental agency;
4. For the dismissal or withdrawal of civil or criminal proceedings on the basis that the alleged liability rests with the perpetrator of the identity theft and not you; or
5. For the removal of criminal or civil judgements wrongly entered against you.

2. Actual loss of income that would have been earned, whether for partial or whole day's work, or time reasonable and necessarily taken off your work and away from your work premises, solely to attend to the matters referred to identity theft.

lmmediate Family means the Insured’s children, spouse and/or parents who permanently reside with the lnsured at the lnsured's permanent address.

Incident Responder means CyberScout and/or other service providers nominated by them. Contact with an Incident Responder does not on its own constitute notice of claim under this policy.

Insured means the person named in the Schedule as Insured.

Online merchant means a Third Party retail business registered with a valid business license according to the jurisdiction of the country which it is situated in and which accepts payment for goods and services through a secured online payment gateway.

Malware means any malicious software code designed to infiltrate, disrupt, corrupt or damage a computer system or circumvent any network security product or service, including but not limited to viruses, worms, trojans. horses. ransomware, adware, spyware and cryptojacking scripts.

Non-delivery means failure of complete delivery of a product you purchased from an online merchant within thirty (30) days of the scheduled delivery, unless so otherwise stated by the seller and the seller has failed to refund you within sixty (60) days of the initial scheduled delivery date.

Online marketplace fraud means a transaction occurring on an online marketplace where you have been dishonestly induced into a transaction resulting in goods paid for by you never being dispatched by the seller.

Personal information means information or data relating to your personal identity, which publicly documents, authenticates or proves your genuine identity or good standing.

Plastic card means any credit, debit, charge or store card that is registered to your name.

Policy means this insurance document and the Schedule, including any endorsements.

Policyholder refers to the named owner of this policy as shown in the Schedule.

Policy Period means the period set forth in the Schedule.

Product means brand new retail items of personal use that you purchased, subject to Specific Exclusions.

Third Party means any natural person or entity other than you, your immediate family or your relative acting on their own accord, without your knowledge, consent, assistance or participation.

Time element loss means business interruption, contingent business interruption or any other consequential losses

Your computer system means:

1. any home computer network, router, hardware, digital assets therein and all associated input and output devise, which is owned by you and used mainly by you for personal purposes, and which is located at your home or
2. mobile phones, laptops, notebook or tablets. which are owned by you and used mainly by you for personal purposes.

You / Your means the Policyholder.

We / us / our / insurer means FPG INSURANCE CO., INC