Origin Protect Terms and Conditions

Last Updated: October 5, 2026

These Origin Protect Terms and Conditions ("Protect Terms") govern your enrollment in and use of Origin Protect, which is offered by Blend Financial, Inc. d/b/a Origin ("Origin," "we," "us," or "our").

These Protect Terms supplement the Origin Subscription Terms and Conditions ("Subscription Terms"), the Origin Terms of Use, and the Origin Privacy Policy, which together form your agreement with Origin about Origin Protect. If these Protect Terms conflict with the Subscription Terms or Terms of Use regarding Origin Protect, these Protect Terms control.

1. Eligibility

To enroll in and keep Origin Protect, you must:

Origin Protect is an individual membership. It covers only the person named on the Origin account that enrolls, and does not cover spouses, domestic partners, or other family or household members.

You may use Origin Protect only for yourself. You may not enroll or monitor another person. You must provide accurate, complete, and current information; inaccurate information may prevent monitoring, alerts, restoration, or insurance benefits from working correctly.

2. What Origin Protect Includes

Depending on your plan, Origin Protect may include:

Certain features are provided by third-party service providers, currently Array US, Inc. (identity-theft insurance, identity restoration, and Social Security number monitoring), Constella Intelligence (dark-web and data-breach monitoring), and Optery (data-broker scans and removals). We may change our service providers from time to time. Features may vary by plan, eligibility, and provider availability.

Exposure checks before you enroll. Origin may offer a free, one-time check of whether your information appears in data breaches or on data-broker sites before you enroll in Origin Protect. Those checks are described in the Origin Privacy Policy and in any disclosures shown when you request them. They do not include ongoing monitoring, removal requests, restoration, or insurance, which are available only to Origin Protect members.

Origin Protect is not investment advice and is not a service of Origin Investment Advisory LLC, Origin’s registered investment adviser affiliate.

3. Monitoring Limitations

Origin Protect cannot prevent all identity theft, fraud, or data breaches, and may not detect every event involving your identity. Monitoring results may be incomplete, delayed, inaccurate, or unavailable, and some alerts may relate to another person with similar information. To protect your information, our providers return breach results in partially masked form.

Data brokers may reject or fail to complete removal requests, and removed information may reappear. Origin does not control data brokers, breach sources, or public records. You remain responsible for reviewing your financial accounts, credit reports, and alerts, and for responding promptly to suspected fraud.

4. How We Use and Share Your Information

‍Origin Protect uses your name, email address, date of birth, and city and state of residence, and any additional identifiers you choose to add for monitoring, such as your Social Security number, driver’s license number, or payment card numbers. Adding additional identifiers is optional, but some features, such as Social Security number monitoring, will not work without them. We collect, use, disclose, and retain this information as described in the Origin Privacy Policy.

When you enroll, you direct us to disclose your information to our service providers as needed to provide the features you request, including to:

Our providers return results to us, such as the source and date of a breach, the types of data exposed (in partially masked form), the status of removal requests, and, for data-broker scans, images of data-broker pages that display your information. Insurance claims are submitted directly to the Insurer (defined below), and Origin does not receive your claims information.

We store Origin Protect information, including results returned by our providers, separately from your core Origin profile. When Origin Protect ends, we stop ongoing monitoring and removal requests and end your enrollment with our providers. When you delete your Origin account, we delete your Origin Protect information and instruct our providers to delete it, subject to any retention required by law.

We use this information to provide, maintain, secure, and improve Origin Protect and to detect and prevent fraud. We do not sell your Social Security number or use it for cross-context behavioral advertising. Our service providers may provide their own privacy notices.

5. Data-Broker Removal Authorization

You appoint Origin and its service providers, and their employees and agents, as your limited agent and personal representative solely to submit and manage opt-out and removal requests. Under this limited authorization, Origin and its providers may:

Some removals may require separate authorization, identity verification, or action by you.

6. Identity Restoration

‍If you experience or suspect identity theft while your Origin Protect membership is active, restoration specialists provided by Array or its providers can help. To request restoration assistance, contact us at support@useorigin.com and we will connect you with the restoration team. Restoration services do not guarantee that an identity-theft event will be resolved, and you may need to provide documents, sign authorizations, or contact financial institutions.

Restoration services are separate from insurance. Getting restoration help does not mean an insurance claim is covered or has been filed.

7. Identity-Theft Insurance

Every eligible Origin Protect membership automatically includes identity-theft insurance. The insurance cannot be purchased separately, and Origin does not charge a separate premium for it; the benefit is included in the Origin Protect subscription price.

The insurance is provided under a group policy issued to Identity Theft Guard Solutions, Inc. d/b/a Array US, Inc. ("Array"). American Bankers Insurance Company of Florida, an Assurant company (the "Insurer"), underwrites and administers the insurance and handles all claims.

Origin is not the insurer, does not underwrite, issue, or administer insurance, does not decide or pay claims, and does not guarantee claim approval. Origin is not acting as your insurance agent, broker, or advisor.

Your benefits are described in the Identity Fraud Financial Reimbursement Terms and Conditions ("Summary of Benefits"), available in the Origin Protect section of the Origin app. If you reside in New York or Texas, your benefits are described in a state-specific certificate, which you may request by contacting support@useorigin.com, and references in these Protect Terms to the Summary of Benefits include that certificate. The Summary of Benefits does not include every term of the policy, and your benefits are subject to all terms, conditions, and exclusions of the policy. To request a copy of the policy, call the number listed in your Summary of Benefits (currently 866-237-5240). If these Protect Terms or any Origin materials conflict with the Summary of Benefits or the policy, the Summary of Benefits and the policy control.

8. Summary of Insurance Benefits

This summary highlights key features and limitations and does not replace the Summary of Benefits.

Limits. The Insurer will pay up to $3,000,000 in total for all covered losses per membership in any 12-month period. The following benefits count toward that limit and are not in addition to it:

Each cash recovery benefit is limited to one occurrence in any 12 consecutive months. Other covered expenses may include costs of re-filing credit applications, credit reports, credit freezes, notarization, postage, replacement identification documents, lost base wages, child or elder care, and certain legal, investigator, and accountant fees (capped at $125 per hour).

When losses are covered. A loss is covered only if its occurrence date–the earliest date on which you could have discovered it–falls during your membership. Losses discovered after your membership ends are not covered, even if the fraud happened during your membership. Losses from identity fraud discovered before the policy took effect are excluded.

Key exclusions include, among others:

Recover from your institution first. Cash recovery benefits do not cover funds you did not first seek to recover from your bank or account provider, or funds reimbursed from another source.

9. When Insurance Coverage Starts and Ends

Insurance coverage begins immediately when you enroll in Origin Protect, including when you enroll in a free trial. During a free trial, insurance coverage applies, and if you cancel during the trial, all benefits, including insurance, end immediately.

If you cancel a paid Origin Protect subscription, insurance coverage continues until the end of your current paid term and then ends. Coverage also ends when your Origin Protect membership ends for any other reason, including the end of your Origin subscription, or if the policy terminates. Origin will notify you if the policy terminates.

10. Filing an Insurance Claim

If you discover a loss that may be covered, you must:

Do not admit liability, make payments, or incur expenses you expect to claim without the Insurer’s prior written consent, or you may bear those costs yourself. The Summary of Benefits controls all claim deadlines and procedures. Origin can help direct you to the right claims resource but cannot file a claim for you or decide coverage.

11. Plans, Charges, and Payment

Origin Protect is a separate paid subscription in addition to your Origin subscription. The price, billing interval, and included features of your plan will be shown before you enroll. You will be charged that price, plus applicable taxes, when you enroll (or, if you start a free trial, when your trial ends) and at the start of each renewal period until you cancel. Prices and promotional offers may vary among users and over time.

By enrolling, you authorize Origin to charge the payment method identified at checkout.

Backup bank account. If you authorize it at checkout, Origin may debit your linked bank account by ACH for the Origin Protect amount then due if a charge to your primary payment method fails. You may revoke this authorization in your account settings or by emailing support@useorigin.com at least three business days before the next scheduled payment.

12. Automatic Renewal

Your Origin Protect subscription renews automatically at the end of each billing period unless you cancel before the renewal date or your Origin subscription ends. At renewal, Origin will charge your payment method the then-current price plus applicable taxes. We will send required renewal reminders and other notices electronically, including in the Origin app or by email.

13. Free Trials and Promotions

Origin may offer free trials or promotional terms. The trial length, eligibility, price after the trial, billing interval, and charge date will be shown before you enroll. Unless you cancel before the disclosed deadline, your trial converts to a paid subscription automatically, and Origin will charge the payment method identified at enrollment on the disclosed charge date. If you cancel during a free trial, your trial and all associated benefits end immediately.

14. Cancellation

You may cancel Origin Protect at any time in your account settings or by emailing support@useorigin.com, without canceling your Origin subscription. Canceling a paid Origin Protect subscription takes effect at the end of the current billing period, and your benefits, including insurance, continue until then. Canceling during a free trial takes effect immediately.

If your Origin subscription ends for any reason, your Origin Protect subscription and all its benefits, including insurance, will end automatically on the same date. If this happens before the end of a prepaid Origin Protect billing period, we will refund the unused portion of your Origin Protect fees on a pro rata basis.

Except as stated above or required by law, fees are non-refundable.

15. Price and Service Changes

Origin may change Origin Protect’s price or features. A price change applies no earlier than your next renewal after required notice. We may add, modify, replace, suspend, or discontinue features, and will give notice when required by law. If a provider stops providing a feature, Origin may replace it with a reasonably similar feature. Insurance benefits may change only as the policy and applicable law permit, and we will notify you of material changes to your insurance benefits.

16. Alerts and Communications

You consent to receive service alerts and communications about Origin Protect, including monitoring alerts, exposure reports, removal updates, payment notices, renewal reminders, and insurance notices. We may deliver them in the Origin app, by email, by push notification, or by another method you select. Delivery is not guaranteed and may be delayed. Marketing text messages remain subject to any separate consent required.

17. Third-Party Services

Some Origin Protect features are provided by third parties and may be subject to additional terms, privacy notices, insurance documents, or authorizations. Origin is not responsible for a data broker’s refusal of a removal request or for the accuracy of third-party data. The limitations in the Subscription Terms apply to the extent the law allows, and nothing in these Protect Terms limits any right that cannot lawfully be waived.

18. Suspension and Termination

Origin may suspend or terminate Origin Protect if payment fails; your Origin subscription ends; you become ineligible; information you provided is materially inaccurate; your use violates these Protect Terms or applicable law; continued service creates security, fraud, or legal risk; or a required third-party service becomes unavailable. When Origin Protect ends, your benefits end, including insurance coverage for losses discovered afterward.

19. Governing Terms

The dispute-resolution, governing-law, disclaimer, limitation-of-liability, electronic-communications, and general provisions of the Subscription Terms apply to these Protect Terms. Those provisions do not govern your rights against the Insurer under the policy, which are governed by the Summary of Benefits and the policy.

20. Contact Us

Questions about Origin Protect:
Blend Financial, Inc. d/b/a Origin
68 Harrison Avenue, Suite 605, PMB 50966
Boston, Massachusetts 02111
support@useorigin.com

Insurance claims: American Bankers Insurance Company of Florida, at 866-237-5240 (as listed in your Summary of Benefits).

ArrowRight

Last Updated: October 5, 2026

These Origin Protect Terms and Conditions ("Protect Terms") govern your enrollment in and use of Origin Protect, which is offered by Blend Financial, Inc. d/b/a Origin ("Origin," "we," "us," or "our").

These Protect Terms supplement the Origin Subscription Terms and Conditions ("Subscription Terms"), the Origin Terms of Use, and the Origin Privacy Policy, which together form your agreement with Origin about Origin Protect. If these Protect Terms conflict with the Subscription Terms or Terms of Use regarding Origin Protect, these Protect Terms control.

1. Eligibility

To enroll in and keep Origin Protect, you must:

  • be at least 18 years old;
  • reside in the United States, including its territories; and
  • maintain an active, paid Origin subscription.

Origin Protect is an individual membership. It covers only the person named on the Origin account that enrolls, and does not cover spouses, domestic partners, or other family or household members.

You may use Origin Protect only for yourself. You may not enroll or monitor another person. You must provide accurate, complete, and current information; inaccurate information may prevent monitoring, alerts, restoration, or insurance benefits from working correctly.

2. What Origin Protect Includes

Depending on your plan, Origin Protect may include:

  • dark-web and data-breach monitoring of your email address and of any additional identifiers you choose to add, such as your Social Security number, driver’s license number, or payment card numbers;
  • Social Security number monitoring, if you choose to provide your Social Security number;
  • data-broker and people-search-site scans and removal requests;
  • identity-theft alerts;
  • identity-restoration assistance;
  • identity-theft insurance of up to $3,000,000; and
  • other features identified when you enroll.

Certain features are provided by third-party service providers, currently Array US, Inc. (identity-theft insurance, identity restoration, and Social Security number monitoring), Constella Intelligence (dark-web and data-breach monitoring), and Optery (data-broker scans and removals). We may change our service providers from time to time. Features may vary by plan, eligibility, and provider availability.

Exposure checks before you enroll. Origin may offer a free, one-time check of whether your information appears in data breaches or on data-broker sites before you enroll in Origin Protect. Those checks are described in the Origin Privacy Policy and in any disclosures shown when you request them. They do not include ongoing monitoring, removal requests, restoration, or insurance, which are available only to Origin Protect members.

Origin Protect is not investment advice and is not a service of Origin Investment Advisory LLC, Origin’s registered investment adviser affiliate.

3. Monitoring Limitations

Origin Protect cannot prevent all identity theft, fraud, or data breaches, and may not detect every event involving your identity. Monitoring results may be incomplete, delayed, inaccurate, or unavailable, and some alerts may relate to another person with similar information. To protect your information, our providers return breach results in partially masked form.

Data brokers may reject or fail to complete removal requests, and removed information may reappear. Origin does not control data brokers, breach sources, or public records. You remain responsible for reviewing your financial accounts, credit reports, and alerts, and for responding promptly to suspected fraud.

4. How We Use and Share Your Information

‍Origin Protect uses your name, email address, date of birth, and city and state of residence, and any additional identifiers you choose to add for monitoring, such as your Social Security number, driver’s license number, or payment card numbers. Adding additional identifiers is optional, but some features, such as Social Security number monitoring, will not work without them. We collect, use, disclose, and retain this information as described in the Origin Privacy Policy.

When you enroll, you direct us to disclose your information to our service providers as needed to provide the features you request, including to:

  • search breach, dark-web, public-record, and data-broker sources for information about you;
  • monitor that information and send you alerts;
  • submit opt-out and removal requests to data brokers on your behalf;
  • enroll you in the identity-theft insurance benefit; and
  • support identity restoration and insurance claims.

Our providers return results to us, such as the source and date of a breach, the types of data exposed (in partially masked form), the status of removal requests, and, for data-broker scans, images of data-broker pages that display your information. Insurance claims are submitted directly to the Insurer (defined below), and Origin does not receive your claims information.

We store Origin Protect information, including results returned by our providers, separately from your core Origin profile. When Origin Protect ends, we stop ongoing monitoring and removal requests and end your enrollment with our providers. When you delete your Origin account, we delete your Origin Protect information and instruct our providers to delete it, subject to any retention required by law.

We use this information to provide, maintain, secure, and improve Origin Protect and to detect and prevent fraud. We do not sell your Social Security number or use it for cross-context behavioral advertising. Our service providers may provide their own privacy notices.

5. Data-Broker Removal Authorization

You appoint Origin and its service providers, and their employees and agents, as your limited agent and personal representative solely to submit and manage opt-out and removal requests. Under this limited authorization, Origin and its providers may:

  • obtain information about you from data brokers;
  • submit your information to data brokers to identify matching records;
  • communicate with data brokers and other third parties on your behalf;
  • agree to terms and conditions that data brokers impose on opt-out or removal requests;
  • complete and sign documents reasonably needed for those requests; and
  • take other reasonable steps to process those requests.

Some removals may require separate authorization, identity verification, or action by you.

6. Identity Restoration

‍If you experience or suspect identity theft while your Origin Protect membership is active, restoration specialists provided by Array or its providers can help. To request restoration assistance, contact us at support@useorigin.com and we will connect you with the restoration team. Restoration services do not guarantee that an identity-theft event will be resolved, and you may need to provide documents, sign authorizations, or contact financial institutions.

Restoration services are separate from insurance. Getting restoration help does not mean an insurance claim is covered or has been filed.

7. Identity-Theft Insurance

Every eligible Origin Protect membership automatically includes identity-theft insurance. The insurance cannot be purchased separately, and Origin does not charge a separate premium for it; the benefit is included in the Origin Protect subscription price.

The insurance is provided under a group policy issued to Identity Theft Guard Solutions, Inc. d/b/a Array US, Inc. ("Array"). American Bankers Insurance Company of Florida, an Assurant company (the "Insurer"), underwrites and administers the insurance and handles all claims.

Origin is not the insurer, does not underwrite, issue, or administer insurance, does not decide or pay claims, and does not guarantee claim approval. Origin is not acting as your insurance agent, broker, or advisor.

Your benefits are described in the Identity Fraud Financial Reimbursement Terms and Conditions ("Summary of Benefits"), available in the Origin Protect section of the Origin app. If you reside in New York or Texas, your benefits are described in a state-specific certificate, which you may request by contacting support@useorigin.com, and references in these Protect Terms to the Summary of Benefits include that certificate. The Summary of Benefits does not include every term of the policy, and your benefits are subject to all terms, conditions, and exclusions of the policy. To request a copy of the policy, call the number listed in your Summary of Benefits (currently 866-237-5240). If these Protect Terms or any Origin materials conflict with the Summary of Benefits or the policy, the Summary of Benefits and the policy control.

8. Summary of Insurance Benefits

This summary highlights key features and limitations and does not replace the Summary of Benefits.

Limits. The Insurer will pay up to $3,000,000 in total for all covered losses per membership in any 12-month period. The following benefits count toward that limit and are not in addition to it:

  • Cash Recovery: up to $1,000,000 for unrecoverable funds taken through unauthorized electronic fund transfers from personal financial accounts, and for certain card deductibles; and‍
  • Investment and Health Savings Account Cash Recovery: up to $1,000,000 for unrecoverable funds taken through unauthorized electronic transfers from eligible retirement, brokerage, and health savings accounts.

Each cash recovery benefit is limited to one occurrence in any 12 consecutive months. Other covered expenses may include costs of re-filing credit applications, credit reports, credit freezes, notarization, postage, replacement identification documents, lost base wages, child or elder care, and certain legal, investigator, and accountant fees (capped at $125 per hour).

When losses are covered. A loss is covered only if its occurrence date–the earliest date on which you could have discovered it–falls during your membership. Losses discovered after your membership ends are not covered, even if the fraud happened during your membership. Losses from identity fraud discovered before the policy took effect are excluded.

Key exclusions include, among others:

  • losses from fraud or dishonest acts by you or anyone acting with you;
  • losses from voluntarily giving someone your card, PIN, password, or other access device;
  • losses while you are not an active member;
  • losses from business activities;
  • indirect or consequential losses and investment performance losses;
  • cryptocurrency and other digital-currency losses under the cash recovery benefits; and
  • transfers from investment or health savings accounts where you did not turn on two-factor or other authentication offered by the account provider.

Recover from your institution first. Cash recovery benefits do not cover funds you did not first seek to recover from your bank or account provider, or funds reimbursed from another source.

9. When Insurance Coverage Starts and Ends

Insurance coverage begins immediately when you enroll in Origin Protect, including when you enroll in a free trial. During a free trial, insurance coverage applies, and if you cancel during the trial, all benefits, including insurance, end immediately.

If you cancel a paid Origin Protect subscription, insurance coverage continues until the end of your current paid term and then ends. Coverage also ends when your Origin Protect membership ends for any other reason, including the end of your Origin subscription, or if the policy terminates. Origin will notify you if the policy terminates.

10. Filing an Insurance Claim

If you discover a loss that may be covered, you must:

  • notify the appropriate authorities and affected financial institutions;
  • call the Insurer at 866-237-5240 within 60 days of discovering the loss, or as soon as reasonably possible;
  • file a police report if the loss involves a violation of law, and include a copy with your claim;
  • submit detailed, sworn proof of loss to the Insurer within 60 days after discovery;
  • report cash recovery losses to the Insurer within 90 days of discovery, with documentation from your financial institution that the funds were taken fraudulently and cannot be recovered; and
  • cooperate with the Insurer, keep receipts and records, and forward any legal papers you receive.

Do not admit liability, make payments, or incur expenses you expect to claim without the Insurer’s prior written consent, or you may bear those costs yourself. The Summary of Benefits controls all claim deadlines and procedures. Origin can help direct you to the right claims resource but cannot file a claim for you or decide coverage.

11. Plans, Charges, and Payment

Origin Protect is a separate paid subscription in addition to your Origin subscription. The price, billing interval, and included features of your plan will be shown before you enroll. You will be charged that price, plus applicable taxes, when you enroll (or, if you start a free trial, when your trial ends) and at the start of each renewal period until you cancel. Prices and promotional offers may vary among users and over time.

By enrolling, you authorize Origin to charge the payment method identified at checkout.

Backup bank account. If you authorize it at checkout, Origin may debit your linked bank account by ACH for the Origin Protect amount then due if a charge to your primary payment method fails. You may revoke this authorization in your account settings or by emailing support@useorigin.com at least three business days before the next scheduled payment.

12. Automatic Renewal

Your Origin Protect subscription renews automatically at the end of each billing period unless you cancel before the renewal date or your Origin subscription ends. At renewal, Origin will charge your payment method the then-current price plus applicable taxes. We will send required renewal reminders and other notices electronically, including in the Origin app or by email.

13. Free Trials and Promotions

Origin may offer free trials or promotional terms. The trial length, eligibility, price after the trial, billing interval, and charge date will be shown before you enroll. Unless you cancel before the disclosed deadline, your trial converts to a paid subscription automatically, and Origin will charge the payment method identified at enrollment on the disclosed charge date. If you cancel during a free trial, your trial and all associated benefits end immediately.

14. Cancellation

You may cancel Origin Protect at any time in your account settings or by emailing support@useorigin.com, without canceling your Origin subscription. Canceling a paid Origin Protect subscription takes effect at the end of the current billing period, and your benefits, including insurance, continue until then. Canceling during a free trial takes effect immediately.

If your Origin subscription ends for any reason, your Origin Protect subscription and all its benefits, including insurance, will end automatically on the same date. If this happens before the end of a prepaid Origin Protect billing period, we will refund the unused portion of your Origin Protect fees on a pro rata basis.

Except as stated above or required by law, fees are non-refundable.

15. Price and Service Changes

Origin may change Origin Protect’s price or features. A price change applies no earlier than your next renewal after required notice. We may add, modify, replace, suspend, or discontinue features, and will give notice when required by law. If a provider stops providing a feature, Origin may replace it with a reasonably similar feature. Insurance benefits may change only as the policy and applicable law permit, and we will notify you of material changes to your insurance benefits.

16. Alerts and Communications

You consent to receive service alerts and communications about Origin Protect, including monitoring alerts, exposure reports, removal updates, payment notices, renewal reminders, and insurance notices. We may deliver them in the Origin app, by email, by push notification, or by another method you select. Delivery is not guaranteed and may be delayed. Marketing text messages remain subject to any separate consent required.

17. Third-Party Services

Some Origin Protect features are provided by third parties and may be subject to additional terms, privacy notices, insurance documents, or authorizations. Origin is not responsible for a data broker’s refusal of a removal request or for the accuracy of third-party data. The limitations in the Subscription Terms apply to the extent the law allows, and nothing in these Protect Terms limits any right that cannot lawfully be waived.

18. Suspension and Termination

Origin may suspend or terminate Origin Protect if payment fails; your Origin subscription ends; you become ineligible; information you provided is materially inaccurate; your use violates these Protect Terms or applicable law; continued service creates security, fraud, or legal risk; or a required third-party service becomes unavailable. When Origin Protect ends, your benefits end, including insurance coverage for losses discovered afterward.

19. Governing Terms

The dispute-resolution, governing-law, disclaimer, limitation-of-liability, electronic-communications, and general provisions of the Subscription Terms apply to these Protect Terms. Those provisions do not govern your rights against the Insurer under the policy, which are governed by the Summary of Benefits and the policy.

20. Contact Us

Questions about Origin Protect:
Blend Financial, Inc. d/b/a Origin
68 Harrison Avenue, Suite 605, PMB 50966
Boston, Massachusetts 02111
support@useorigin.com

Insurance claims: American Bankers Insurance Company of Florida, at 866-237-5240 (as listed in your Summary of Benefits).