All your information is stored using the highest level of encryption from our Triple Layer DefenseSM system. Our system has been independently verified and is continuously audited to ensure our high standards of security.
This means your information is encrypted in transit, in use and at rest.
Additionally, your stored data is...
Be sure to take advantage of all your account features and keep your information up-to-date in your Online Identity VaultTM.
The Service Descriptions included herein constitute the latest descriptions of EZShield Services as of the date of this document. Updates will appear periodically in the EZShield website and should be consulted for an up-to-date accounting of all the service features.
The Service applies broadly to the protection of a customer’s identity. Individuals are often subject to theft, fraud, misuse of personal information, and unintended exposure of personal and financial data. EZShield ID Restoration Pro offers peace of mind with access to certified resolution specialists, as well as proactive tools to help prevent fraud and misuse.
A dedicated and certified specialist is available to answer questions and assist with resolution in the event of lost/stolen wallet, fraud or an identity theft event.
A dedicated resolution specialist will perform assisted or fully-managed restoration services on behalf of victims and coordinate with customer's applicable bank, financial institution and/or other agencies.
In addition to advising a customer on the best procedures to help prevent fraud or to respond to a fraud event, a resolution specialist can also act on behalf of a customer by obtaining an executed limited power of attorney form.
Resolution specialists are available to assist with:
Our 32-point checklist is designed to isolate and assist restoration from a lost/stolen wallet, fraud or identity theft event. It is also designed to help the customer take necessary steps to help prevent fraud or identity theft from happening again. Often times, fraud is an isolated incident. However, in many cases, the fraudulent event is a symptom of a much larger problem. Thus, EZShield will work with the customer to verify that they are not at greater risk of additional fraud or identity theft. When EZShield determines that the circumstances of the event puts the customer's identity at continued risk of further fraud or identity theft events, EZShield will deploy certain preventative and complimentary services to help mitigate such risks. 90 days for fraud, 1 year for ID Theft.
Individual Restoration: Limited to individuals properly registered as a customer.
Online Identity Vault: 10 GB of storage with access for one customer only.
Family Restoration: Limited to the individual properly registered as a customer and his/her affiliated persons. Affiliated persons gain access to the certified resolution specialists and restoration services features of this product.
Affiliated Persons: For an individual user, affiliated persons shall be limited to:
EZShield Vault: 10 GB of storage with access for one customer only.
Recent studies have shown identity fraud incidences continue to increase year over year. Having one's personally identifiable information (PII) exposed or compromised significantly increases the risk of identity theft and fraud. The problem can be compounded once the information reaches the alarmingly active internet black market sites where information is traded, sold and re-sold through thousands of websites, chat rooms and underground forms. As criminals continue to seek new ways to exploit this information, if an individual's PII is found on these known sites, identity theft has already occurred and immediate action is necessary. EZShield will constantly and proactively monitor these sites, chat rooms and underground forums, and alert the consumer regarding any activity, while securely storing the following personal and financial information (Identity Elements) provided by the customer:
Ongoing scans of black market chat rooms, websites and databases will be performed to ensure that the name, address, Social Security number, email address, phone number, credit card numbers and bank account identification associated with a user's account are not currently compromised in the black market channel.
Provides e-mail alerts and/or phone notifications within 24 hours of activities discovered through the process of monitoring the Customer's provided personal and financial information.
Changes to a customer's credit report that they did not initiate can be the first sign of fraud. This service synchronizes with the credit bureaus, and alerts the customer any time there is a change to their credit file. As part of the Service, EZShield will monitor activity associated with the customer's identity as it relates to changes on their credit report, and alert the customer of these changes.
Monitors for changes and new activity from credit bureau(s) which allows the Customer to validate that the credit related activity is their own.
Provides e-mail alerts and/or phone notifications of activities discovered in the process of monitoring changes to the Customer's credit report.
Monitoring services requires one-time verification of the Customer's identity to ensure that we are securely monitoring the Customer's credit report and notifications are received.
A resource section providing credit FAQ's and tips containing factors that may impact the credit score.
Changes to a customer’s credit report that they did not initiate can be the first sign of fraud. This service synchronizes with the credit bureaus, and alerts the customer any time there is a change to their credit file. As part of the Service, EZShield will monitor activity associated with the customer's identity as it relates to changes on their credit report, and alert the customer of these changes.
The Service is part of EZShield's credit management services and applies specifically to the delivery of an individual's credit score. A credit score is a statistical analysis of a person's credit files, to represent the creditworthiness of that person. Lenders, financial institutions and other entities use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses. Lenders may use a credit score to determine who qualifies for a loan, and at what interest rate. The Quarterly Credit Score provides an opportunity to monitor your credit rating and an indication of how potential creditors view your credit. Note that this score is not necessarily that same score used by creditors. Changes to the customer's score could be an indication of fraud and/or identity theft.
EZShield will provide a quarterly score including current score, lender's view rating and high level score factors.
Criminals use many channels to obtain personal and confidential information. As part of this Service, EZShield will monitor activity associated with customer's identity and make available to the customer the following search results, which may indicate identity theft or misrepresentation:
USPS Change of Address Monitoring: monitors for any activity in the US Postal Service Change of Address system.
Court Records Monitoring: monitors for activity detected in criminal records from 50 states, 480+ counties and other jurisdictions totaling more than 60 million court records.
Sex Offender Registry Monitoring: monitors for activity detected in an aggregated database of state Sex Offender Registries, and alerts the customer of sex offenders in their local community.
Payday Loan Monitoring: provides alerts for any activity in non-credit loan vendors' records that relate to the customer's identity.
Names and Aliases List: identifies the different names associated with the customer.
Known Addresses List: identifies the different street addresses associated with the customer.
Provides e-mail alerts and/or phone notifications of activities discovered in the process of monitoring changes to the customer's public records.
Monitoring services requires one-time verification of the Customer's identity to ensure that we are securely monitoring the Customer's identity and notifications are received.
As a small business owner, you have a lot of information at risk: personal information about you and other principals, trade secrets, confidential business information, and personal information concerning your customers. Businesses are often subject to misappropriation of business information and unintended exposure of personal, business and financial data. Recent reports show small businesses are more prone to become victims of data breaches and/or identity theft events than larger organizations. The statistics indicate the average small business owner does not have the proper technology, training and tools to prevent fraud. Additionally, the overall impact to a small business could be devastating, resulting in severe financial loss forcing the business to file for bankruptcy and/or close.
Also, should your company or one of its principals become victims of identity theft, we will provide hands-on assistance to help with identity restoration and protection. Additionally, in the event that a data breach impacts your small business, we are available to provide assistance in handling issues related the breach itself and to your small business’ customers who are affected by the data breach.
Online Business Identity Vault™
Expert protection tips and timely news: These features provide access to proactive tips and the latest information on industry practices that educate businesses about reducing the risks of identity theft, fraud and data breaches.
Business Security Self-Assessment: The key first step in your business’ security self-evaluation is to secure the business’ identifiable information. This assessment tool initiates a series of fundamental questions about your small business' policies and procedures for collecting personally identifiable information (PII). The results provide you with general guidance for improvements to business data security practices. You can use this guidance to conduct a more comprehensive security risk assessment consistent with the industry requirements and transaction sets applicable to your business.
Breach Readiness Toolkit: Have the tools you need to be prepared for a potential breach event. This comprehensive action plan includes step-by-step instructions outlining common breach responses, the recovery process, cleanup and containment, notification requirements and notification templates.
Discounted Identity Protection Benefit: Allows you to grant identity protection as a benefit for your employees.
These services provide you, the small business owner, with one-on-one access to a U.S.-based Certified Resolution Specialist, who is available to answer questions and assist with resolution if you are personally impacted by a data breach, fraud or an identity theft event. Specific restoration services may include:
In the event of a data breach, you have access to Breach Victim Services, which provides discounted identity protection services to affected individuals.
These are supplements to the common definitions.
Account Administrator: Account Administrator is a single individual named by Small Business Customer, who will have access to all of Small Business Customer’s account records and information for purposes of the Service. Keeping track of who is appointed as the Account Administrator, actions they take in relation to the account and account permissions granted are the sole responsibility of Small Business Customer.
Business Identity Vault: EZShield’s Online Business Identity Vault will provide 10 GB of storage with access only for Small Business Customer’s Account Administrators. It is available to store information regarding the business, personal information concerning its customers, and personal information concerning its Principals.
Small Business Customer: A Small Business Customer refers to a specific legal entity that is a Small Business and has registered for the Service and has provided all payments and information needed to maintain the Service.
Principals: Those owners, directors, officers, members or other key employees that the Small Business Customer designates, provided that the maximum number of selected Principals is 10.
Security Assessment Tool: This tool is intended as a helpful first step for the Small Business Customer to conduct a security self-evaluation. It is not intended a substitute for a thorough privacy or security risk assessment or impact assessment, which may be mandatory depending on your business’ industry and transaction types (e.g. the HIPAA Security Rule). Consult legal counsel to understand what security assessment requirements apply to your business.
Additional Terms and Conditions for BIDR Service: EZShield will provide the Service to or for Small Business Customer if during the period in which Small Business Customer is registered for the Service, the Small Business Customer or one of its Principals is the victim of fraud, an identity theft event or a data breach, and the Small Business Customer (and, if applicable the affected Principals) submit(s) the required documentation to EZShield and cooperates in the delivery of the Service as reasonably requested by EZShield.
Small Business: This program is designed to help small businesses that may not be able to commit as many resources to corporate infrastructure, enterprise data systems or an overall technology and security strategy. It gives sole proprietors and businesses that may not have complicated data security a framework by providing simple guidance to help assess their needs and develop internal policies and controls to protect the security of their customers and employees.
This Service does not feature forensic, IT or accounting support.
Recent studies have shown identity fraud incidences continue to increase year over year. If a business owner's personally identifiable information (PII) is exposed or compromised, this significantly increases the risk of identity theft and fraud against the individual and the business. The problem can be compounded once the information reaches the alarmingly active Internet black market sites where information is traded, sold and re-sold through thousands of websites, chat rooms and underground forms. As criminals continue to seek new ways to exploit this information, if PII is found on these known sites, identity theft has already occurred and immediate action is necessary. EZShield will constantly and proactively monitor these sites, chat rooms and underground forums, and alert the consumer regarding any activity, while securely storing the following personal and financial information (Identity Elements) provided by the business owner:
Available Identity Elements for Scanning
Ongoing scans of black market chat rooms, websites and databases will be performed to ensure that the name, address, Social Security number, email address, phone number and bank account identification associated with a user's account are not currently compromised in the black market channel.
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