Consumer Frequently Asked Questions

  1. Why did I receive the notice?

    Kaye-Smith’s records show that your sensitive personal information may have been compromised when Kaye-Smith was subjected to a cybersecurity hack in June 2022 (the “Data Incident”). You may have received a Notice of Data Incident from Kaye-Smith or one of its Business Associates. The purpose of the Notice is to let you know that the parties have reached a proposed settlement in the class action lawsuit entitled Smith et al. v. Kaye-Smith Enterprises, Inc., Cause No. 3:22-cv-01499-AR, pending in the United States District Court for the District of Oregon. You have legal rights and options that you may act on before the Court decides whether to approve the proposed settlement. Because your rights will be affected by this settlement, it is extremely important that you read the Notice carefully. The Notice summarizes the settlement and your rights under it.

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  2. What is this lawsuit about?

    The Named Plaintiffs allege that Kaye-Smith violated the Washington Consumer Protection Act, and state common law by failing to protect sensitive personal information Kaye-Smith received from Business Associates or by failing to timely notify affected individuals after learning their data was compromised in the Data Incident. Kaye-Smith denies the allegations.

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  3. What is a class action and who is involved?

    In a class action lawsuit, one or more people called plaintiffs or “class representatives” sue on behalf of other people who have similar claims. The people together are a “class” or “class members.” The party they sue (in this case Kaye-Smith Enterprises, Inc.) is called the defendant. If the lawsuit proceeds as a class action, it resolves the issues for everyone in the class—except for those people who choose to exclude themselves from the class.

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  4. Why is there a settlement?

    The Court did not decide in favor of the Plaintiff or Kaye-Smith. Instead, both sides agreed to a settlement. That way, they avoid the cost of a trial, and the people affected will get compensation. The class representatives and their attorneys think the settlement is best for the Settlement Class.

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  5. How do I know if I am a part of the Settlement?

    You are in the “Settlement Class” if your personal information was included in the Data Incident.

    The Settlement Class does not include any persons who validly request exclusion from the Settlement Class, as described under FAQ 11. A person who does not exclude themselves is a “Settlement Class Member.”

    If you have questions about whether you are a part of the Settlement Class you may call 1-877-203-8209.

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  6. What does the Settlement Agreement provide?

    Kaye-Smith has agreed to pay no less than $2,000,000 to pay Settlement Class Members who submit valid claims, any court-approved attorneys’ fees, litigation expenses, service awards, and notice and settlement administration expenses. You will not receive any settlement payment unless you submit a Claim Form as described in FAQ 8.

    Settlement Class Members may submit a claim for one of two payment options and are eligible for fraud monitoring without the need to file a claim. Kaye-Smith also agreed to change their business and cybersecurity practices.

    Tier 1 Claims

    If you spent time on tasks related to the Data Incident or suffered Out-of-Pocket Losses due to the Data incident, you may submit a “Tier 1 Claim” for reimbursement of up to five hours of lost time at $25 per hour and your documented out-of-pocket expenses, up to a total of $2,500. Claims for out-of-pocket losses (other than lost time reimbursement) must include supporting documentation sufficient to verify the loss. Supporting documentation may include, for example, receipts, credit card statements, bank statements, invoices, or any other documentation tending to establish out of pocket loss that is fairly traceable to the Data Incident. You may mark out or redact any transactions that are not relevant to your claim before sending in the documentation.

    Out-of-Pocket Losses may include any out-of-pocket expenses incurred as a result of the Data Incident, such as the following: (a) unreimbursed losses relating to fraud, medical or identity theft, (b) professional fees, including attorneys’ fees, accountants’ fees, and fees for credit repair services, (c) costs associated with freezing or unfreezing credit with any credit reporting agency, (d) credit monitoring costs, and (e) miscellaneous expenses such as notary, fax, postage, copying, mileage, and long-distance telephone charges.

    Lost time may include time spent on tasks such as (a) changing passwords on potentially impacted accounts; (b) monitoring for or investigating suspicious activity on potentially impacted medical, financial, or other accounts; (c) contacting a medical provider or financial institution to discuss suspicious activity; (d) signing up for identity theft or fraud monitoring services; or (e) researching information about the Data Incident, its impact, or how to protect yourself from harm due to the Data Incident.

    The above lists of reimbursable lost time and documented out-of-pocket losses are not meant to be exhaustive and are provided only as examples. You may make claims for any lost time and out of pocket expenses that you believe are reasonably related to the Data Incident or to mitigating the effects of the Data Incident.

    Tier 2 Claims

    In the alternative, if you took any action at all in response to the Data Incident, even if de minimis, you may submit a “Tier 2 Claim” for an alternative cash payment of up to $500. The actual amount of the alternative cash payment will depend on the amounts remaining in the Settlement Fund after all Tier 1 Claims have been paid.

    Tier 3 Benefits – Fraud Monitoring

    Settlement Class Members are also eligible to access 12 months of credit monitoring services provided by CyEx. If the Settlement is approved and becomes final, the settlement administrator will send an activation code to each Settlement Class Member that can be redeemed on CyEx’s website.

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  7. What are the tax implications of accepting a settlement payment?

    The tax implications may vary based on your income, the amount you receive and other factors, so you should consult a tax professional to assess the specific tax implications of any payment you may receive. Class Counsel, and the settlement administrator cannot advise you with respect to your tax obligations.

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  8. How do I make a claim?

    The claim filing deadline of December 26, 2024 has passed. Claims are no longer being accepted in this matter.

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  9. When will I get my payment?

    Payments to validated claims were issued on July 29, 2025.

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  10. What am I giving up to stay in the Settlement Class?

    Unless you request to exclude yourself, you are staying in the Settlement Class and you will be a Settlement Class Member. If the Court approves the settlement and becomes final, you and other Settlement Class Members can’t sue, continue to sue, or be part of any other lawsuit against the “Released Parties” regarding the Data Incident.

    The Settlement Agreement (available here) describes the claims you are releasing and against whom you are releasing claims, so read it carefully. To summarize, the release includes claims against Kaye-Smith or the Business Associates through which Kaye-Smith obtained the compromised data (the “Released Parties”) that arise out of or relate to the Data Incident.

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  11. How do I exclude myself from the settlement?

    The deadline to “opt out” or exclude yourself from the settlement was December 2, 2024, and has passed.

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  12. Why would I ask to be excluded?

    If you already have, or want to bring, your own lawsuit against the Released Parties regarding the Data Incident and want to continue with the lawsuit, you need to ask to be excluded from the Settlement Class. If you exclude yourself from the Settlement Class you won’t get any money from the Settlement. However, you may be able to sue or continue to sue the Released Parties regarding the Data Incident on your own. If you exclude yourself, you will not be legally bound by the Court’s judgments in this class action.

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  13. If I exclude myself, can I get anything from this settlement?

    No. You will not receive any payment from the settlement if you exclude yourself.

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  14. Do I have a lawyer in this lawsuit?

    The Court decided that the law firms of Rhodes Legal Group, Baxter & Baxter, Federman & Sherwood, and Heenan & Cook, are qualified to represent you and all Settlement Class Members. These law firms are referred to as “Class Counsel.” You will not receive a bill from these lawyers, who have asked the Court to be paid a percentage of the Settlement Fund. If you want to be represented by your own lawyer, you may hire one at your own expense. The names and addresses of Class Counsel are:

    Class Counsel
    Ari Brown
    RHODES LEGAL GROUP, PLLC
    918 South Horton Street, Suite 901
    Seattle, Washington 98134
    John Heenan
    Heenan & Cook, PLLC
    1631 Zimmerman Trail, Suite 1
    Billings, Montana 59102
    Justin Baxter
    BAXTER & BAXTER, LLP
    8835 S.W. Canyon Lane, Suite 130
    Portland, Oregon 97225
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  15. Should I get my own lawyer?

    You do not need to hire your own lawyer because Class Counsel are working on your behalf. But, if you want to hire your own lawyer, you will have to pay that lawyer. For example, you can ask a lawyer to appear in Court for you if you want someone other than Class Counsel to speak for you.

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  16. How will the lawyers be paid?

    The Court approved payment of attorneys’ fees in the amount of $666,666.00, which is roughly one-third of the $2,000,000 Settlement Fund plus litigation costs of $27,613.67. This payment compensates Class Counsel for investigating the facts, litigating the case, and negotiating the settlement. The Court also approved $5,000 service awards for named plaintiffs, Richard Smith, Noel Woodard, and Richard Krefting, and $2,500 for Named Plaintiff Washington Federal Bank to compensate for time and effort during the litigation.

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  17. How do I object to the settlement?

    The deadline to object to this settlement was December 26, 2024, and has passed.

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  18. What is the difference between objecting and excluding myself from the settlement?

    Objecting simply means telling the Court that you don’t like something about the settlement. You can object only if you stay in the Settlement Class. Excluding yourself from the Settlement Class is telling the Court that you don’t want to be part of the Settlement Class. If you exclude yourself, you have no basis to object because the case no longer affects you.

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  19. When and where will the Court hold a hearing on the fairness of the settlement?

    The Court approved the Settlement on January 10, 2025. The Court also approved fees, expenses and reasonable litigation costs to Counsel and the service awards to Class Representatives.

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  20. What happens if I do nothing at all?

    If you do nothing, you will be a member of the Settlement Class and you will not receive payment from the settlement. You will also be bound by the terms of the settlement, including the Release described in FAQ 10.

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  21. Are there more details about the settlement?

    These FAQs summarize the proposed settlement. More details are in the Settlement Agreement. You may review and download or print a copy of the Settlement Agreement here. You can also get a copy of the Settlement Agreement by writing to Kaye-Smith Settlement Administrator at P.O. Box 2378 Portland, OR 97208-2378.

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  22. How do I get more information?

    You can call 1-877-203-8209 toll free; write to Kaye-Smith Settlement Administrator at P.O. Box 2378 Portland, OR 97208-2378. The Settlement Agreement, Plaintiff’s Complaint, Class Counsel’s motion for an award of attorneys’ fees and costs, and other information are available here.

    PLEASE DO NOT CONTACT THE COURT, THE JUDGE, OR KAYE-SMITH WITH QUESTIONS ABOUT THE SETTLEMENT.

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