That should be ex-post-facto of the data breach (i.e. they leaked your data before you agreed to the TOS so you waive your rights to sue from that point forward

That should be ex-post-facto of the data breach (i.e. they leaked your data before you agreed to the TOS so you waive your rights to sue from that point forward). I'm not a lawyer and I wouldn't agree to this. I checked and I am affected. I'm going to sign up for LifeLock (because it's super expensive) and file a small claim to recoup the cost. I really hope this puts Equifax out of business.