Your data is encrypted in three ways: in transit, in use and at rest. Additionally, information stored in the Online Identity Vault uses multiple layers of encryption:
All information added to Online Identity Vault™ becomes part of the customer’s secure profile and is encrypted multiple times.
"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.
OF USE DIRECT TO CONSUMER EZSHIELD SERVICES
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.
ADDITIONAL TERMS AND CONDITIONS FROM OUR SERVICE PROVIDER
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 email@example.com 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.
These features provide access to timely tips and industry best practices that educate consumers and businesses about mitigating the risks of identity theft and fraud.
This monthly email communication includes account information in addition to articles and tips addressing identity theft and fraud.
These ongoing emails alert customers of large-scale breaches and threats, while providing helpful tips on how to protect themselves.
This one-time scan searches black market chat rooms, websites and databases to ensure that the name, address, phone number and bank account identification associated with a user's account have not been compromised in the online black market channel.
EZShield Vault gives access to online and mobile digital organization and storage of digital copies of important business, legal and personal documents, medical records and other items. The Vault provides top-level data security in a remote location to prevent unauthorized access to stored files and full-time 24/7 customer access to stored items. Authorized users can easily tag incoming content for proper categorization and facilitation of search and retrieval. This secure storage platform accepts the following file formats: Jpeg, Gif, Pdf, Png, Microsoft Word, Microsoft Excel and Microsoft PowerPoint.
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 recovery 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.
Individual Restoration: Limited to individuals properly registered as a customer.
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.
EZShield Vault: 2 GB of storage with access only for customer.
Affiliated persons: Limited to the spouse or domestic partner of registered customer (where "domestic partner" is defined as any person living in a legally recognized domestic partnership with customer in their state of residence; provided that, this definition does not affect the location in which the service is being provided.
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:
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.
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.
Monitoring services require one-time verification of your identity to ensure that we are securely monitoring your provided personal and financial information and notifications are received.
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 and make available to the customer the following search results, which may indicate identity theft or misrepresentation:
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.
1 Bureau Monitoring: Monitors credit related activity from TransUnion credit bureau
3 Bureau Monitoring: Consolidated credit related view of all three credit bureaus including TransUnion, Experian and Equifax
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.
A resource section providing credit FAQ’s and tips containing factors that may impact the credit score.
24/7 access to customer support to answer questions or concerns related to credit scores.
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 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.
The Service applies broadly to the protection of a business identity as well as that of the business owner(s). Businesses are often subject to theft, fraud, misuse and unintended exposure of personal, business and financial data. EZShield Business ID Restoration Pro offers peace of mind to the business owner(s) with access to certified resolution specialists, as well as proactive tools to help prevent fraud and misuse. Recent reports show small businesses are more prone to become victims of identity theft and fraud as compared to larger organizations. The statistics indicate small business owners do not have the proper education, 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 protection and/or close.
24/7 online access to a password-protected, encrypted, secure location to store information the business wants to manage and protect: identification, business contact information, business credit cards, business bank accounts, etc. Additionally, this helps to eliminate a paper trail and reduce the risk of fraud and identity theft.
These features provide timely tips and industry best practices updated on a regular basis to educate consumers and businesses about how to protect against identity theft and fraud.
These timely updates focus on the changes most relevant to breach notification rules and regulations.
A one-time scan of online black market chat rooms, websites and databases to ensure that the business owner, business address, business phone number and business financial accounts identification that is associated with a user's account have not been compromised in the online black market channel.
EZShield Vault gives access to online & mobile digital organization and storage of digital copies of important business, legal and personal documents, medical records and other items. The Vault provides top-level data security in a remote location to prevent unauthorized access to stored files and full-time 24/7 customer access to stored items. Authorized users can easily tag incoming content for proper categorization and facilitation of search and retrieval. This secure storage platform accepts the following file formats: Jpeg, Gif, Pdf, Png, Microsoft Word, Microsoft Excel and Microsoft PowerPoint.
A specialist will perform assisted or fully managed (sole proprietor only) restoration services on behalf of victims of lost/stolen wallet, fraud or identity theft and coordinate with customer's applicable institutions.
In addition to advising customer on the best procedures and documents to help prevent an identity theft event or to respond to an identity theft event, a resolution specialist can also act on behalf of customer.
For the resolution specialist to act on a business owner’s (sole proprietor only) behalf, the customer must:
Resolution specialists are available to assist in:
Our 32-point checklist is designed to isolate and assist in recovery 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 put the customer’s identity at a continued risk for further fraud or identity theft events, EZShield will deploy certain preventative and complimentary services to help mitigate such risks.
Business Restoration:Limited to the business properly registered as a customer and one selected primary business owner. Restoration services will be extended to authorized persons should the business owner or business fraud event affect these persons.
Authorized Persons:Those individuals associated with the customer who directly own at least five percent (5%) of the company.
EZShield will provide the service for customer's qualified authorized persons if:
The Service applies broadly to the protection of a business identity as well as that of the business owner(s). Businesses are often subject to theft, fraud, misuse, and unintended exposure of personal and financial data. EZShield® Business Security Services offers peace of mind to the business owner with access to certified resolution specialists, as well as more proactive tools to help prevent fraud and misuse. In addition to the benefits of EZShield® Business ID Restoration Pro, the service includes access to fraud protection for employees, breach security consulting and an assessment so the business can protect the business itself, its employees and its customers from the devastating results of fraud.
For pre and post-breach activities, the customer has the ability to speak to a certified privacy specialist and receive pre-breach advice and/or a post-breach assessment. In the event that the customer suffers a breach of sensitive data, additional breach response and notification services can be electively chosen by the customer and executed by EZShield at discounted rates. Under these circumstances, specific pricing is dependent on the services elected.
Serving as a best practice evaluation in securing Personally Identifiable Information (PII), this assessment takes small businesses through a series of questions pertaining to the policies and procedures it has in place for collecting PII. The results of the assessment provide the small business with a guideline to determine areas of improvement in its PII protection practices.
24/7 online access to a password-protected, encrypted, secure location to store information the business wants to manage and protect: identification, business contact information, business credit cards, business bank accounts. Additionally, this helps to eliminate a paper trail and reduce the risk of fraud and identity theft.
These features provide timely tips/industry best practices updated on a regular basis to educate businesses on how to protect against identity theft and fraud.
This one-time scan searches online black market chat rooms, websites and databases to ensure that the business owner, business address, business phone number and business financial accounts identification associated with a user's account have not been compromised in the black market channel.
EZShield Vault gives access to online and mobile digital organization and storage of important documents and information with top-level data security to prevent unauthorized access to stored files. Full-time 24/7 customer access to stored items. Vault allows users to organize and store in a secure remote location digital copies of important business, legal and personal documents, medical records and other items. Easily tag incoming content for proper categorization and ease of search and retrieval. For secure storage of the following file formats: Jpeg, Gif, Pdf, Png, Microsoft Word, Microsoft Excel and Microsoft PowerPoint.
A certified resolution specialist will perform assisted or fully managed (sole proprietor only) restoration services on behalf of victims of lost/stolen wallet, fraud or identity theft and coordinate with customer's applicable institutions.
In addition to advising the customer on the best procedures and documents to help prevent an identity theft event or to respond to an identity theft event, a resolution specialist can also act on behalf of the customer.
For the resolution specialist to act on a business(es) owner’s (sole proprietor only) behalf, the customer must:
Our 32-point checklist is designed to isolate and assist in recovery 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 a continued risk for further fraud or identity theft events, EZShield will deploy certain preventative and complimentary services to help mitigate such risks
Via the business online account, businesses have the ability to purchase annual or 90-day trials of identity theft protection packages on behalf of their employees. Email activation instructions will be sent to the employee recipients following purchase.
Authorized Persons: Those individuals associated with the customer who directly own at least five percent (5%) of the business.
The Service applies to the protection of checking accounts. Checking accounts are often subject to theft, fraud, misuse and unintended exposure of personal data. Independent studies continue to show check fraud is the most prevalent form of fraud impacting customers. Because checking accounts directly store the funds of the account owner, the urgency of providing checking account fraud related services is more acute. In the event that checking account fraud occurs, including funds removed from the account due to check fraud, debit and/or ATM card fraud, EZShield Checking Account Protection offers access to certified resolution specialists, an advancement of funds up to $25,000, as well as additional product features to help reduce the risk of fraud. As financial institutions require time to investigate theft and fraud, EZShield’s Checking Account Protection can quickly assist the affected customer, providing great value in a time of need.
Advances funds to customer for losses that would later be credited to the customer's account by its bank or financial institution. Funds up to a maximum of $25,000 will be advanced for all checks to which the service applies and within 72 hours of filing a criminal complaint and submitting all necessary documents.
24/7 online access to a password protected and encrypted website to secure and manage sensitive information. Some examples include identification, contact information, credit cards, bank accounts, passport numbers, social security numbers; protecting this information in an secure online system helps to eliminate a paper trail and reduce the risk of fraud and identity theft.
Either through RSS feed from partner or FIC.com.
Resolution specialists are available to assist customers should they have any questions or concerns about potential or suspected check fraud.
In the event of check fraud, a dedicated resolution specialist will perform assisted or fully-managed checking account restoration services on behalf of victims and coordinate with customer's applicable bank or financial institution.
In addition to advising customers on the best procedures to help prevent fraud or to respond to a fraud event, a resolution specialist can also act on behalf of customers by obtaining an executed limited power or attorney form.
If the customer should be forced to close the affected checking account due to fraud, the resolution specialist will assist with the check replacement facilitation process. The resolution specialist works with the customer’s applicable bank or financial institution and the check printer, allowing the customer to quickly resume normal financial transactions.
Our 32-point checklist is designed to isolate and assist in recovery from a lost/stolen wallet or fraud event. It is also designed to help the customer take necessary steps to help prevent fraud 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. When EZShield determines that the circumstances of the event put the customer’s identity at a continued risk for further fraud, EZShield will deploy certain preventative and complimentary services to help mitigate such risks.
Consumer: : Advancement applies to all forms of check fraud (forged signatures and endorsements, altered checks, and counterfeit checks) as well as debit and ATM cards
Business: Advancement applies to all forms of check fraud (endorsements, altered checks, and counterfeit checks)
Recent studies have shown identity fraud incidences continue to increase year over year. Having a business owner’s personally identifiable information (PII) exposed or compromised significantly increases the risk of identity theft and fraud against both the owner 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 forums. When 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:
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