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.
"Affiliated Persons" shall be limited to:
"Content" means electronic copies of legal and personal documents, medical records, music and video files and other items stored in a Customer's Deluxe Provent Vault.
"Customer" has the meaning set forth in the Terms and Conditions of Use.
"Delegates" means individuals registered by Customer in connection with the Deluxe Provent Vault Service who are authorized and licensed to access the Content stored in Customer's Deluxe Provent Vault.
"Deluxe Provent Vault" refers both to the Service identified with such name and the electronic storage location made available to Customer in connection with such Service.
"Identity Theft Event" means:
"Issuer" means the issuer of the applicable Registered Card.
"Losses" means, with respect to any Order any debits from Customer's checking account for cleared checks due to the Subject Check Fraud.
"Order" means the boxes of checks Customer has purchased under the EZShield Check Fraud Protection Program as part of a single order.
"Protected Identity Elements" means for an individual Customer who is subscribed for Deluxe Provent ID Protect: (1) 1 individual name; (ii) 1 street address; (iii) 1 e-mail address; (iv) 3 telephone numbers; (v) 1 Social Security Number; and (vi) 6 bank account or credit card numbers, to the extent these items are registered with EZShield as part of the Service and legitimately associated with the registered Customer.
"Registered Card" means a credit card, debit card and/or charge card issued in Customer's name which Customer has registered with EZShield in order for such card to be covered by the applicable Service.
"Resolution Specialist" is a named individual dedicated to Customer's Restoration case and who is certified with the following credentials:
"Service" means the EZShield service offering referenced in the applicable EZShield Service Description.
"Subject Check Fraud" means, with respect to a particular Identity Theft Event, any occurrence of:
Subject Check Fraud does not include counterfeit checks or any check that bears a legitimate original endorsement that is secondarily fraudulently endorsed.
"Vault Safety Deposit" refers both to the Service identified with such name and the electronic storage location made available to Customer in connection with such Service.
EZShield Fraud Protection Services are provided by EZShield, Inc., a Delaware corporation ("EZShield"), to the registered individual or single business, who subscribes for the EZShield "Service" defined in the applicable EZShield Service Description (each such subscriber hereinafter called the "Customer"). Please read these Terms and Conditions carefully. Customer's right to use any Service is expressly subject to full compliance with these Terms and Conditions, as they may be modified from time to time. If you do not agree with these Terms and Conditions, please do not register for any Service or disclose any information to EZShield in connection with any Service.
Certain capitalized terms referenced herein have the meanings ascribed to such terms in the EZShield Common Definitions.
See Service Descriptions.
To the fullest extent permissible by law, except as expressly provided in the Service Descriptions, or these Terms and Conditions, EZShield makes no warranties of any kind regarding any Service, either express or implied, including but not limited to, any implied warranties of merchantability or fitness for a particular purpose. EZShield has priced each Service based on this limitation of liability, which is an important term of the applicable Service. In no event shall EZShield, its subcontractors or agents be liable to Customer or any third party for any incidental, indirect, consequential, exemplary, special, or punitive damages, including without limitation loss of use or lost businesses, revenue, profits, or goodwill, arising in connection with any Service or the unavailability thereof, or these Terms and Conditions, under any theory of tort, contract, indemnity, warranty, strict liability or negligence, even if EZShield knew or should have known of the possibility of such damages. EZShield assumes no responsibility for the timeliness, deletion, failed delivery or failure to store any information obtained or distributed through the Services. Since EZShield and its subcontractors obtain data from third parties, such information may, or may not be, completely thorough, timely and accurate. Customer shall not rely upon EZShield for the accuracy or completeness of information supplied in using any of the Services. EACH SERVICE IS AVAILABLE ON AN "AS IS" BASIS ONLY. IN NO EVENT SHALL EZSHIELD'S LIABILITY IN CONNECTION WITH ANY SERVICE EXCEED THE AMOUNTS PAID TO EZSHIELD FOR SUCH SERVICE.
The Services are currently available only to: (i) adult individuals who reside in the United States, Canada or its territories; and (ii) companies domiciled in the United States, Canada or its territories. EZShield offers some of the Service(s) to adults who reside in the United States or its territories for the benefit of their Affiliated Persons, who may be under the age of 18.
EZShield will not be liable if it is unable to perform or deliver any part of the Services or is delayed in performing any such obligations due to failure of any of data processing systems, hardware systems, the Internet, or because of any incident, event or factor outside EZShield's reasonable control.
Neither EZShield nor its subcontractors shall be liable for any loss or injury that may arise out of its acts or omissions, whether negligent or otherwise, in obtaining, distributing, compiling, collecting, interpreting, reporting, communicating or delivering any applicable Service. Customer understands and agrees that every business decision involves assumption of a risk, and that EZShield does not underwrite that risk in any manner whatsoever.
In order to subscribe for any of the Services, Customer must provide EZShield with true, accurate, current and complete account registration information maintain and update such information on a timely basis. If Customer provides any information that is untrue, inaccurate, not current, incomplete or if EZShield determines Customer has committed fraud or other illegal acts, or failed to fully cooperate with EZShield's efforts to provide the relevant Service(s) to or on behalf of Customer, EZShield may immediately suspend or terminate Customer's account for any or all of the Services, and refuse to provide any or all of the same to Customer. Any violation of local, state, provincial or federal laws in using any of the Services may result in the immediate termination of the Service, at EZShield's sole discretion.
The Service applies only to checks drawn from the bank account identified in the Order. Advanced advocacy services apply only if the facts alleged in Customer's police report indicate that Customer has a valid request for the advanced funds under the UCC, or if Customer is domiciled in Canada, under the applicable federal and provincial laws in effect in the relevant province of Canada, and the Customer does not misrepresent such facts. If Customer is paid by EZShield for the Losses and paid a second time for the Losses by the Customer's applicable bank or financial institution, Customer shall hold the second payment as an agent for EZShield and deliver such funds to EZShield as directed by EZShield. Any Losses must arise from fraud involving a check drawn on a checking account at a bank domiciled in the United States or its territories or Canada and must be reported to law enforcement authorities as evidenced by a police report in the United States, or a bank affidavit in Canada. EZShield reserves the right to not advance funds to any Customer for any Losses incurred by Customer as a result of any Subject Check Fraud perpetrated by (i) Customer, (ii) any employee or agent of Customer and/or any other person who is a joint account holder with Customer, and (iii) any Affiliated Persons unless a police report is filed against the Affiliated Person who was the perpetrator of the Subject Check Fraud. EZShield will not advance funds to any Customer for any Losses incurred by Customer as a result of any Subject Check Fraud where: (i) Customer's failure to exercise ordinary care substantially contributed to the Subject Check Fraud; or (ii) Customer is fooled by an imposter. Due to the higher incidence of fraud against companies and the larger size of funds needed to provide the Service to businesses, fees for companies registering for the Service will be different than corresponding fees for individual Customers. EZShield reserves the right, at its sole discretion, to collect from the Customer any portion of the funds that Customer had requested in the event that Customer's bank or financial institution does not reimburse EZShield for any portion of Customer's Losses. EZShield will not be required to pay for any Losses unless Customer provides to EZShield the properly completed documentation requested by EZShield reasonably promptly and, in any event, on or before the earlier of thirty (30) days after (i) Customer discovering the Subject Check Fraud; and (ii) Customer being provided with the bank statement reflecting, or the original or a copy of the check that is the subject of the Subject Check Fraud; or the time period for which Customer's financial institution requires the reporting of check fraud.
The Service does not include any effort to improve Customer's credit score or history for any items or incidents not related to the Identity Theft Event. The Service is expressly limited to the services stated in the applicable Service Description. The Service does NOT apply to any acts of copyright, trademark, service mark, patent or other intellectual property infringement/dilution or to any other events not expressly defined herein as an Identity Theft Event. EZShield will NOT provide as part of the Service any investigation regarding the scope or damages of any Identity Theft Event. EZShield will NOT as part of the Service, file any civil or criminal complaints or pleadings on behalf of Customer. EZShield will NOT reimburse Customer for any financial losses whatsoever. There is no guarantee EZShield will be successful in assisting Customer to resolving the Identity Theft Event to Customer's satisfaction. EZShield's ability to perform the Service requires Customer's cooperation. EZShield reserves the right to refuse or terminate the Service if it determines that Customer or its representatives are committing fraud or other illegal acts, making untrue statements, or failing to fully co-operate with its efforts to restore credit records. EZShield will not provide the Service if it discovers that Customer or its authorized representatives knew or had reason to know of any applicable Identity Theft Event at the time Customer registered for the Service. The Service is available only to adult individuals residing in the United States. The Service does not include credit counseling or any other service not expressly stated herein.
The following potential Identity Theft Events are NOT included in the Service:
Customer is ultimately responsible for its own adherence with Red-Flag, PCI, Safe Harbor and HIPAA requirements. Customer should not and may not construe the security or breach assessment as a form of or substitute for any legal advice. The Service is expressly limited to the services stated in this Service Description. Legal requirements will vary from business to business and may change over time. EZShield expressly disclaims any implied warranties. Customer should not assume that by following the security or breach assessment it has complied with all necessary legal requirements surrounding privacy & security or any other requirements.
Coverage does not apply to: (a) Any Identity Theft Expense not listed in the Service Description; (b) any act of theft, deceit, collusion, dishonesty, or criminal act by Customer or any person acting in concert with Customer, or by any authorized representative of Customer, whether acting alone or in collusion with Customer or others; (c) damages or losses arising from the theft or unauthorized or illegal use of a business name, d/b/a/ or any other method of identifying a business activity; (d) any lost wages due to sickness or emotional breakdown; (e) damages or losses of any type for which the credit card company, bank, creditor, etc. is legally liable; (f) Identity Theft Expenses that were incurred or commenced from a known Identity Theft incident that occurred prior to the Coverage Period; (g) damages or losses of any type resulting from fraudulent charges or withdrawal of cash from a debit or credit card or financial/bank/investment account; (h) any incident involving a loss or potential loss not notified to the police within seventy-two (72) hours from the date Customer had knowledge of the loss; (i) fees or costs associated with the use of any investigative agencies or private investigators; or (j) residents of the State of Florida. For residents of the states of New York, Ohio, Pennsylvania and Washington, coverage for any and all Identity Theft Expenses are limited to a maximum of $10,000.
Customer must fulfill all hardware and software requirements and security procedures for the Service as stated on EZShield's official web site for the Service. At certain times, the Service may not be available due to system maintenance or circumstances beyond EZShield's control. Customer support for the Service will also be available during EZShield's regular business hours. CUSTOMER IS SOLELY RESPONSIBLE FOR THE CONTENT. EZShield DOES NOT REVIEW CONTENT OR GUARANTEE IT WILL BE ABLE TO ACCESS THE CONTENT. Customer may use the Service only for lawful purposes, in compliance with all applicable laws (including, without limitation, copyright, trademark, obscenity and defamation laws). The Service is available only to individuals residing in the United States or its territories who are at least 18 years of age or older who are using the Service for personal purposes. EZShield will attempt to access the Content if legally compelled to do so. If Customer's access to its EZShield Vault should be suspended or terminated for any reason whatsoever, EZShield may permanently destroy the electronic records in Customer's EZShield Vault thirty (30) days after the date access to Customer's Vault is suspended or terminated, whichever occurs first. Any such deletion of the Content may be delayed or prevented by applicable law or legal process, and may also be delayed for a period of time because of our internal procedures.
Customer acknowledges that by storing the Content with EZShield, no fiduciary relationship is created between Customer and EZShield. Customer acknowledges and agrees that once the Content is deleted from its EZShield Vault, it will be lost to Customer and might not be retrievable by EZShield.
EZShield, through its providers, provides the credit scores and credit score-related information and analyses that are part of this Service. EZSHIELD AND ITS PROVIDERS, DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY CREDIT DATA, CREDIT SCORE OR OTHER SUPPLIER. You may not use the Service to obtain information about or make decisions about anyone but yourself. EZShield does not provide the Service, or any advice or assistance, including but not limited to, financial, for the purpose of improving your credit report, credit history, or credit rating. EZShield is not a credit counseling or credit repair organization. You must be eighteen years of age or older to order or use the Service. As needed to provide the Service to you, you authorize and instruct EZShield and its providers to obtain, monitor and compile your credit information from one or more credit reporting agencies and other information personal to you. The information used by the EZShield Service is derived from one or more credit reports produced by the major credit reporting agencies, also called credit bureaus. The information contained in credit reports reflects the latest information provided to and recorded by the credit bureaus. Recent activity, such as making a payment, opening a new account or authorizing a credit inquiry, may not yet be reflected in the person's credit reports. If not, this activity will not be reflected in your Credit Score. Results may change every time new information is added to or removed from credit reports, as well as with the passage of time. The Service is only as accurate as the information upon which they are based. EZShield and its providers are not responsible for incorrect, missing or outdated information in credit reports, which may lead to inaccurate results. Users should carefully review all of the information in credit reports to make sure it is accurate and up-to-date. The scores you receive as part of this Service are provided for educational purposes only to better understand how lenders may evaluate consumer creditworthiness. Lenders use many different scores and scoring methodologies to evaluate creditworthiness, and the scores you receive are not the same scores used by lenders. Nothing in this Service is an endorsement or a determination of your qualification for a loan, a change in loan terms or any other extension of credit by lenders. Each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation, credit terms or conditions from each lender.
Customer agrees and understands it will not use any Service to obtain information about a person other than the registered Customer. If EZShield has reasonable grounds to suspect Customer is trying to obtain information about someone else, EZShield may suspend or terminate any Service. Customer understands and agrees not to use any Service for consumer credit purposes, consumer insurance underwriting, pre-employment purposes, tenant screening purposes, or for other purpose(s) covered by the federal Fair Credit Reporting Act (15 U.S.C Sec. 1681 et seq.) or similar statute. Customer must use any Service in strict compliance with the Gramm-Leach Bliley Act (U.S.C. Title 15, Chapter 94, Section 6801 et seq.) and similar state statutes, if applicable. By registering for any Service, Customer authorizes and instructs EZShield and its agents to act on Customer's behalf by accessing and using any available online searchable databases on behalf of Customer for the purpose of obtaining and gathering information about Customer for Customer's sole use and benefit and, in certain cases, to remove information about Customer from such databases. The public information that any Service obtains is delivered via the Internet by a digital dashboard that contains alert flags and nationwide public record information that is obtained from third parties as well as proprietary databases and derived information.
Customer agrees that EZShield does not provide insurance and is neither an insurance company nor an agent for an insurance company, is not a credit repair organization, is not a credit counseling service and does not promise to help Customer improve Customer's credit history or rating. Customer agrees that, unless specified in an EZShield Service, EZShield will not make payments to Customer or otherwise be liable or responsible for any loss, damage or liability Customer may incur in any way related to an Identity Theft Event (or otherwise), including, without limitation, any monetary, financial or other economic loss, theft or damage of any kind.
These Terms and Conditions and the Services shall be governed by and enforced pursuant to the laws of the State of Maryland. These Terms and Conditions and the documents referenced herein collectively serve as the sole and exclusive agreement between Customer and EZShield regarding the applicable Service(s) and merges and supersedes all previous and contemporaneous written or oral agreements and understandings regarding the subject matter hereof. If any provision of these Terms and Conditions is held to be invalid or otherwise unenforceable, the remainder of these terms will remain in full force and effect and will in no way be invalidated or otherwise affected.
Any dispute between Customer and EZShield relating to these Terms and Conditions, or the applicable Service(s) that cannot otherwise be resolved amicably shall be submitted to binding arbitration in Harford County, Maryland before a single arbitrator appointed by Judicial Arbitration and Mediation Service ("JAMS") (or if such entity no longer exists, then by its successor entity or a similar national organization in the United States designed to facilitate alternative dispute resolution proceedings) under the then- existing JAMS Streamlined Arbitration Rules and Procedures as applied to commercial disputes and the decision of the arbitrator shall be final and binding upon all parties.
Customer hereby agrees to indemnify EZShield, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors harmless from any and all third party claims, liability, damages and/or costs (including but not limited to reasonable attorney's fees) arising from any third party claim relating to Customer's use of any Service or violation of any law or rights of a third party.
Customer inquiries regarding any Service should be sent as follows: via regular mail, to EZShield Sales Co, 415 Williams Court, Suites 110-116, Baltimore, Maryland 21220: Customer Service Department, via electronic mail, to firstname.lastname@example.org and by telephone,
1 (888) 4-EZSHIELD (1-888-439-7443)
(M-F 8:00 a.m. – 8:00 p.m. EST).
CUSTOMER AND EZSHIELD EACH WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY ACTION OR PROCEEDING BROUGHT IN CONNECTION WITH THE SERVICE AND/OR THESE TERMS AND CONDITIONS.
Last updated May 1, 2014
Protecting privacy is not new to Deluxe Corporation (“Deluxe Financial Services” or "Deluxe"). We have a long history of recognizing and protecting the privacy of consumers. Deluxe is committed to protecting your privacy and utilizing technology to give you one of the safest and most powerful online experiences available. The following information will help you understand how Deluxe collects, uses, and safeguards the information you provide through this Web site, http://deluxeprovent.ezshield.com. Deluxe wants to assure you that when it asks for customer information, its goal is to improve customer relationships and its delivery of services.
In connection with delivering the Deluxe Provent suite of services, we will collect personal information needed for the provider of Deluxe Provent ("EZShield") to retrieve credit report information from consumer credit reporting agencies and to perform other functions critical to delivering the services you request. This information includes but may not be limited to your name, Social Security number, mailing address, e-mail address, phone number, date of birth, credit card or other payment information and service records.
Examples of how your personal information may be used include:
For testimonials, we do obtain the customer's consent prior to posting their name along with their testimonial. We are not responsible for the personally identifiable information you choose to submit through testimonials.
Maintaining your privacy is important, and our commitment includes the following:
415 Williams Ct., Suite 116
Baltimore, MD 21220
Attn: Privacy Officer
Deluxe is committed to protecting your personal information. Security measures are in place on this Web site to protect against the loss, misuse, and alteration of the information under our control. We offer industry-standard security measures available through your Web browser. When you are on this Web site, the sensitive information you provide such as credit card and financial information is encrypted with secure socket layer (SSL) technology and scrambled en route and decoded once it reaches us. Please remember that e-mail, which is different from the encrypted sessions above, is not secure. Therefore, we ask that you do not send sensitive information such as credit card or account numbers to us via an unsecured e-mail message.
In order to make your visit to our Web site as productive as possible, we track activity on our website. However, we want you to know that the tracking technology we use does not identify any personal information about you. It cannot retrieve data from your hard drive, pass on computer viruses, or capture any personal information about you, such as your name, address, phone number, or email address. We only know who you are if you tell us.
As is true with most Web sites, we gather certain information automatically when individuals browse our site and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this non-personal information to analyze trends, to administer the site, to track users' movements around the site, and to gather demographic information about our user base as a whole, in order to improve the functionality of the Web site. We use a third-party tracking service that uses technology to track this non- personally identifiable information about visitors to our site in the aggregate.
This Web site is directed at adults. Deluxe believes that children should be able to use the Internet in a safe, productive, and efficient manner and should be afforded the highest protection available with respect to their personal information. We do not knowingly collect or use information from children. Should children access this Web site, we are confident that parents will not judge any of the information provided as objectionable for viewing. If you are under 18, you may use this Web site only with the involvement of a parent or guardian.
Deluxe is not responsible for the content or information practices employed by other Web sites that are linked to or from this Web site. In most cases, links to non-Deluxe Web sites are provided solely as pointers to information on topics that may be useful to the users of this Web site. In other cases, you may be presented with an opportunity to subscribe to or purchase third-party services. If you click on one of the presented offers, you will be redirected to the Web site of the third party, and any information you provide in response to the offer will be collected and used by the third party. Such information you provide to the third party and any dealings you have with the third party will be governed by the privacy and other policies of that third party.
Deluxe maintains policies and procedures to help ensure that consumer data is used appropriately and within the scope of applicable laws. Information is made available for fraud prevention and detection purposes and for authorized criminal or government investigations. This information is made available in order to protect consumers and financial services companies; these disclosures are permitted by law. Deluxe expresses our commitment to appropriate data use through our check-printing agreements with our financial institution clients.
Deluxe is committed to ensuring that the consumer information we obtain and use is accurate. You may log into your online account to review, update or correct the personally identifiable information that was collected online from you.
We will retain your information for as long as your account is active or as needed to provide you services and we will use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at the contact information listed below.
Deluxe Financial Services, Inc. Attn: Privacy Program Office
3660 Victoria Street N.
Shoreview, MN 55126
Deluxe is a BBB accredited business and complies with BBBOnLine standards. Click to verify our BBB accreditation and to see a current BBB report.
You may also review the Deluxe Provent Annual Privacy Notice.
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. According to the latest industry statistics, there were more than 12 million victims of identity fraud last year alone. 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.
Reimbursement for identity theft expenses incurred as a result of an identity theft event that occurs or was first known during the Coverage Period.
Some typical identity theft expenses include the following:
Identity Theft Insurance is not available as a stand-alone product. It is only available in combination with other fraud protection service.
* Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.
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. Monitors your name, SSN and address in a national sex offender database and alerts you if your information was found. In addition, alerts you of registered sex offenders within your registered zip code.
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 in the credit header file.
Known Addresses List: identifies the different street addresses associated with the customer in the credit header file.
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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