Capabilities brochure for an identity theft brochure

3. WELCOME
▲
ID Secure is a comprehensive protection service that can help predict, protect, and prevent identity
theft. We help you take steps possible to avoid becoming a victim of this despicable crime.
Please take a minute to read through all these benefits. Then simply visit idsecure.com to
activate your protection service.
You’ve got the ID Secure Seal of Security
We take important measures to protect your information:
1. ID Secure customer information is stored on a secure server that is firewall-protected and
encrypted to block unauthorized third party access.
2. We restrict downloading of any data on our secure servers to unsecured locations, like laptops.
3. ID Secure is encrypted and protected with industry-standard SSL encryption software.
4. idsecure.com is certified and regularly scanned by ControlScan (www.controlscan.com) to
protect against hacker attacks for over 11,500 known website security vulnerabilities. All
sensitive information is encrypted prior to storing it in our databases.
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4. CONTENTS
▲
Monitor — We’ll monitor your name, Social Security number, credit
and debit card numbers, address, phone numbers, and email to alert
06
you to potentially suspicious activity.
Control — We’ll deliver your Personal Information Profile (PIP) so
you can read what is being said about you in public documents
10
everyone can view.
Resolve — We’re giving you $10,000.00 of Identity Theft insurance
plus a personal caseworker to help you every step of the way to 12
clear your name.
Educate — We’ll provide you with the necessary resources to help
prevent you becoming a victim of identity theft.
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5. GETTING STARTED
▲
Activating your Fraud Protection is simple and takes just a few minutes.
Start by visiting idsecure.com. Then, follow the steps below.
1. Click on “Need Username” in the upper right
STEP ONE
corner of the screen.
- Have your membership number handy to log in.
- Select a unique username and password. You
may edit or delete your information by
clicking the “Change Monitoring Data Button.”
2. Next, set up your Fraud Protection to monitor
personal data.
- Click Fraud Protection Dashboard to enter data
STEP TWO
to be monitored: name, SSN, credit card
numbers, current or past addresses, phone
numbers, and email addresses.
- Click Set Up Fraud Protection to
begin monitoring.
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6. 3. Your data findings will be clearly summarized for
STEP THREE you online, any time you view the information.
- “Next Check Dates” are outlined to let you
know when your information is monitored.
- You’ll also be sent e-mail alerts if your
information has been discovered as
compromised in any way.
4. Click on the Control tab to order your Public
Information Profile.
STEP FOUR
- This document is a detailed summary of your
personal information that appears in available
Public Records.
5. Visit idsecure.com 24/7 to view any changes that
have occurred to your Social Security number
and personal data monitoring. Your personal
“dashboard” will show you a summary of all
STEP FIVE
your monitored information.
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7. CREDIT AND DEBIT CARD MONITORING
Did you know your identity is in the possession
of virtually every online merchant you have ever
purchased from? Our sophisticated, real-time,
early-warning technology monitors various chat
rooms across cyberspace where thieves are selling Identity Thieves care about one thing—
and trading stolen credit and debit cards—over stealing your personal information
and over again. You could be ruined in a matter and selling it to make money.
of minutes.
BOTTOM LINE: When you register your credit and
debit cards ID Secure will notify you by email if
any suspicious activity has been detected.
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Monitor

8. YOUR DASHBOARD
YOUR PERSONAL MONITOR DASHBOARD
Your “dashboard” displays all your personal
information: your name, Social Security Number,
credit and debit card numbers, mailing address, email
addresses, and phone numbers. The dashboard also
assesses your ID Theft Risk level to your Social
Security Number and assigns a color: Red indicates
high risk and green means low risk. Just click on
“Details” to learn your risk color for identity theft.
Be sure to check your Monitoring Dashboard every
two weeks, since DataSweep and Social Security
Monitoring will have been updated.
BOTTOM LINE: ID Secure will monitor all your
personal information online and alert you via email
to any changes are detected.
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9. DATA SWEEP
Data Sweep is a service that monitors your personal
information as it appears in Internet directories for you.
Just enter your:
• Name
• Current or past addresses
• Email addresses SOCIAL SECURITY NUMBER MONITORING
• Telephone numbers Your Social Security Number (SSN) is invaluable to
Then sit back and relax while Data Sweep monitors thieves. Once they get their hands on it, they can use
Internet directories, re-checking them every two weeks. it to steal your identity easily. They don’t even need
If personal information is detected for public viewing, to have every number correct. They can create a
you’ll be alerted via email to check the ID Secure “synthetic” identity, changing as little as one digit
online dashboard that reveals which sites are and/or making a slight change in your name to create
displaying the information. In some cases, you may be a “shadow” account that can go undetected for years.
able to request that your information be deleted. Your BOTTOM LINE: ID Secure’s fraud-detection technology
information can be revised, and you can add or delete scans billions of public records to monitor your SSN
new information for Data Sweep to monitor. and assesses your risk for SSN manipulation.
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Monitor

10. CHAT ROOM OF
IDENTITY THIEVES
TO CATCH IDENTITY THIEVES
The ID theft victim population hits about 19 million a
year. That means every minute, about 19 people
become new victims. As shown at the right, your
information can be traded to other thieves in chat
rooms—and, just like that, you’re wiped out. ID Secure
has taken steps to help prevent this from occurring by
using leading-edge proprietary technology that has
been profiled by national news organizations including
NBC’s “Dateline.” Our technology monitors the
Internet for fraudulent activity involving consumers’
personal credit or debit card accounts.
BOTTOM LINE: ID Secure allows you to take proactive
steps to prevent identity theft and fraud from taking
over and controlling your life.
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11. PUBLIC INFORMATION PROFILE The detail may surprise you, but don’t you want to
This comprehensive background report, also known as know what is being said about you?
a PIP, allows you to see what consumer information on BOTTOM LINE: ID Secure’s early detection of
you is available so you may correct any inaccuracies. misinformation is key to helping stop identity theft
View your Report by clicking on the “Control” tab. before it spirals out of control.
Typically 25 pages long, it searches over 10 billion
records and collects data from over 5,000 sources, such
as real estate records, courts, legal records and criminal YOUR PIP FILE
records, bankruptcies, liens, and judgments. It reveals
people who have similar names, addresses, or SSNs —
information that traditionally only employers,
government agencies (and now identity thieves) have
been able to access.
The depth and breadth of this report will reveal your
Control
prior addresses and who you were living with. It can
reveal information about people with similar names to
help you identify possible cases of mistaken identity.
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12. DID YOU KNOW:
The most damaging type of identity fraud is the creation
of new accounts under your name. Some of the worst
identity theft offenders are people you might actually
know, like relatives and friends who have access to your
information.*
ID Secure technology monitors your Social Security
SM
number and can alert you when your risk level for this
type of fraud increases, to help keep you one step ahead
of the thieves.*
*Javelin Strategy & Research, 2006
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13. PERSONAL CASEWORKER BOTTOM LINE: ID Secure can save you serious time
In the event that identity theft does occur, help will and money in resolving your case.
be waiting. With our Identity Fraud Support Service,
you'll be assigned a trained, dedicated caseworker
to take you through the resolution process. Personal
and professional assistance is on hand to help you On average, consumers spend 132
restore your good name, file paperwork, and most days to resolve identity fraud cases.
importantly, provide guidance and answers to your
important questions.
You'll even receive a credit report and personalized If you have questions about how the Identity Fraud
Fraud Resolution Kit at no additional cost, sent via Support Service works, or if you may need to speak
overnight mail, that contains all the documentation with a caseworker, please call 1-800-344-9406,
you’ll need. Monday through Friday, from 10 a.m. to 7 p.m. EST.
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Resolve

14. $10,000 IDENTITY THEFT INSURANCE:
With ID Secure, you’ll receive up to $10,000.00 and one
claim per 12-month period if you suffer a covered
financial loss from having your identity stolen online or
offline. And this is without a deductible.
Insurance is critical to have. It helps with...
-- Costs associated for re-filing for loans
-- Payments of lost wages as a result of time off work
to investigate/re-establish your identity
-- Legal costs for certain identity theft-related litigation
-- Any professional assistance needed to file
paperwork, notify credit bureaus, etc.
Your complete Evidence of Coverage document can be
found on page 14.
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15. S.A.F.E. RISK QUESTIONNAIRE BOTTOM LINE: ID Secure is providing all the tools
Have you ever made an online purchase? Do you necessary so you won’t become a victim.
receive mail in an unlocked mailbox? These are just a
few of the 30 questions asked in Your Self Assessed
Fraud Evaluation (S.A.F.E.) online questionnaire that
ranks your risk of becoming an identity theft victim
based on behavior, name frequency, and other factors. Identity Thieves don’t even need your
S.A.F.E. SCORE SSN anymore...just pieces of your personal
information to assume your identity.
You’ll be assigned a numerical ranking from 200-850
(please note: this number is different from a credit
score), plus suggestions to improve your score and
lower your risk of becoming a victim of identity theft.
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Educate

16. ASK FRANK ABIGNALE
Author of best-selling novel & film “Catch Me If You Can”
Q: Does the Internet age make identity theft easier?
A: The Internet age makes identity theft much easier.
Technology breeds crime; it always has and it always will.
There will always be people who are willing to use Frank W. Abagnale is a retired
technology in a self-serving way. master forger whose early life
was the basis for the motion
Q: What can happen if someone gets a hold of your personal picture, “Catch Me If You Can.”
information? He now assists companies and
consumers in preventing fraud.
A: You know, it started out as a crime in the early 1990s as a To have your questions
way to get a credit card in your name and run up that credit considered for this column,
card and throw it away – and leave you with the debt. Then please e-mail them to:
it moved into, ‘Can I get a mortgage in your name?’ ‘Can I askfrank@privacy.trilegiant.com.
buy a car in your name?’ ‘Can I get a job in your name?’
And today even more common: ‘Can I commit a crime in
your name and leave you responsible for the crime?’ It’s
never-ending as to what one does with it – it’s strictly up to FRANK TIP: “Buy what we call ‘micro-cut
the imagination of the criminal and what they can use once shredders’ that basically turn paper into little
they have someone’s identity. And when we say your pieces of confetti or chips that make [piecing
identity, we simply mean three things: your name, social information together] literally impossible.
security number and date of birth; that’s all they need to get You'll never totally protect yourself but you
22 other pieces of information about anybody out of public certainly can make it more difficult for
records. They just need those three and they are everywhere. people to victimize you.”
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17. IDENTITY THEFT EXPENSE REIMBURSEMENT • “Identity Theft” means the use of Your name, address, • “Legal Costs” mean:
EVIDENCE OF COVERAGE Social Security number (SSN), bank, or credit card
o Costs You incur for reasonable and necessary fees for
account information or other identifying information
VIRGINIA SURETY COMPANY, INC., 1000 N. an attorney from a source that We designate, and related
without Your knowledge to assume Your identity to commit
MILWAUKEE AVE. court costs You incur with Our consent; for
fraud or deception.
GLENVIEW, ILLINOIS 60025
o Any suit brought against You by a creditor or collection
• “Administrator” means Aon Innovative Solutions.
agency or other entity acting on behalf of a creditor for
Insuring Agreement: • “Loss” means the Expenses, Lost Wages, and Legal Costs non-payment
We will reimburse You for Losses You incur as a result of related to Your Identity Theft. of goods or services or default on a loan as the result of
Identity Theft. The Loss must occur while You are a Member Identity Theft;
• “Expenses” means:
to be eligible for coverage, as described in this Evidence of o Removal of any civil judgment wrongfully entered
Coverage. o Costs You incur for re-filing loan applications for loans,
against You as a result of Identity Theft.
grants, other credit or debit instruments that are rejected
This Evidence of Coverage is not transferable to another solely as a result of the lender receiving incorrect Exclusions:
person or entity. information as the result of Identity Theft; The Identity Theft Expense Reimbursement Plan coverage
Coverage Limits: o Costs You incur for notarizing affidavits, or other does not apply to:
Coverage is subject to: similar documents, long distance telephone calls, and • Any act of fraud, deceit, collusion, dishonesty or criminal
postage which is incurred by You in Your efforts to act by You or any person acting in concert with You, or by
• An overall aggregate benefit limit of $10,000 USD per report an Identity Theft, or amend or rectify records in any authorized representative of You, whether acting alone
Membership, per twelve (12) month period, for Losses regard to Your true name or identity as the result of an or in collusion with You or others;
incurred as the result of Identity Theft. Identity Theft;
• Damages or Losses arising out of any business pursuits, loss
o The Lost Wages benefit is further limited to an amount o Costs You incur to purchase directly a maximum of four of profits, business interruption, loss of business
up to $500 USD per week, payable for up to four (4) (4) credit reports from any of the three major Credit information, or other pecuniary loss; Damages or Losses
weeks. Bureaus (Experian, Equifax, or TransUnion). The arising from the theft or unauthorized or illegal use of Your
credit reports must be purchased while You are a business name, d/b/a/ or any other method of identifying
• A limit of one (1) Identity Theft claim per twelve (12) Member; and may be purchased only after the Identity
month period. Your business activity;
Theft has occurred and for the purpose
Coverage Period: of correcting inaccuracies that occur as a result of the • Damages or Losses of any type for which the credit card
Identity Theft. company, bank, creditor, etc. is legally liable;
The Identity Theft coverage begins concurrently with the
term of Your Membership commencing on Your • “Lost Wages” means: • Losses that were incurred or commenced prior to the
Membership’s effective date, and continues monthly unless effective date of Your Membership;
non-renewed or cancelled by the Group Policyholder, Us or o Actual United States wages lost for time taken from
Your work, and away from Your work premises, solely • Potential ID Theft issues You were aware of prior to the
You and ends on Your Membership expiration date or
as a result of Your efforts to amend or rectify records effective date of Your Membership;
cancellation date, whichever occurs first.
regarding Your true name or identity as the result of an • Fees or costs associated with the use of any investigative
Definitions: Identity Theft; agencies or private investigators;
• “We”, “Us”, “Our” or “Company” means Virginia Surety
Company, Inc., 1000 N. Milwaukee Ave., Glenview, Illinois o Actual United States wages lost, including • Any Loss that is not a direct result of Identity Theft;
60025. reimbursement for vacation days, discretionary days,
floating holidays, and paid personal days, but not for • Damages or Losses of any type resulting from fraudulent
• “You” or “Your” means the individual person who has sick days. Also, any reasonable cost arising from time charges or withdraw of cash from a debit or credit card;
enrolled in a membership that this coverage is part of. taken from self-employment; • Damages or Losses of any type resulting from fraudulent
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18. withdraws from financial/bank/investment accounts; an identity fraud case no later than six (6) months from the coverage must transfer to Us his or her right to recover
date You are first aware of ID Theft issues and submit all against any other party or person and must do everything
• Indirect or direct damages or losses of any nature;
required documents within thirty (30) days after close of Your necessary to secure these rights and must do nothing that
• Authorized charges that You have disputed based on the Identify Theft case with a Credit Bureau or the claim may not would jeopardize them, or these rights will be recovered from
quality of goods or services; be honored. You.
• Authorized account transactions or trades that You have Submit the following: Concealment or Misrepresentation:
disputed, or are disputing, based on the execution (or non- Your coverage shall be void if, whether before or after a
• Provide proof that a fraud alert was placed with each major
execution) of electronic transfers, trades or other verbal or Loss, You have concealed or misrepresented any material fact
Credit Bureau (Experian, Equifax, TransUnion, etc.)
written instructions or directions. or circumstances concerning this coverage or the subject
immediately after discovery of Identity Theft;
What to do if You’re a victim of Identity Theft: thereof, or if You commit fraud or swear falsely in connection
• Copy of a police report from Your local jurisdiction; with any of the foregoing.
• Contact the Resolution Service at Affinion Benefits Group,
400 Duke Drive, Nashville, TN 37067 at 866-622-5205. • Copy of results of any settlement or denial from credit card Legal Actions:
You must report the incident upon discovery. companies, banks, creditors, etc. concerning Your Identity
No action at law or in equity shall be brought to recover
Theft claim.
• Contact all major credit bureaus (Experian, Equifax, under the Evidence of Coverage prior to expiration of sixty
TransUnion, etc.) immediately after discovery of Identity • Copy of the complaint filed with the Federal Trade (60) days after proof of Loss has been submitted in
Theft to place a fraud alert on Your credit report; Commission government agency. The Administrator may accordance with the requirements of the Evidence of
reasonably request you to file a report with other agencies, Coverage.
• Contact Your creditors (i.e. banks, credit card issuers, such as the Federal Bureau of Investigation;
utilities companies, etc.);
• Copy of all receipts, bills or other records that support Your
• File a police report in Your local jurisdiction; claim for an Identity Theft Expense Reimbursement Plan
• File a complaint with the Federal Trade Commission payment. These records shall be kept in such manner that
government agency. The Administrator may reasonably We can accurately determine the amount of any Loss.
request you to file a report with other agencies, such as the • Any other documentation that We may reasonably request to
Federal Bureau of Investigation; validate a claim.
• Follow all procedures for recovery and reasonable requests Benefits payable under this Evidence of Coverage for any
for information and assistance at all institutions affected; Loss will be paid upon receipt of acceptable proof of such
and Loss and all required information necessary to support Your
• Maintain a copy of all receipts, bills or other records that claim. All benefits will be paid to You directly or, in case of
support Your claim for an Identity Theft Expense Your death, to Your estate.
Reimbursement Plan payment. These records shall be kept Secondary Coverage:
in such manner that We can accurately determine the
This coverage is secondary to any applicable insurance or
amount of any Loss.
benefit available to You by a provider other than Virginia
• Take all other reasonable steps available to protect Your Surety Company, Inc. Coverage is limited to only those
identity from any further use without your knowledge. eligible amounts not paid by any other provider.
How to File a Claim: Subrogation:
Contact the Administrator at Aon Innovative Solutions, 13922 If payment is made under this Evidence of Coverage, We are
Denver West Parkway, Golden, CO 80401 at 800-453-5027 entitled to recover such amounts from other parties or
for filing instructions. You must inform the Administrator of persons. Any person whom receives payment under this
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19. PRIVACY POLICY NOTIFICATION number), transaction information (such as your
FOR YOUR CREDIT MONITORING SERVICE
▲
service usage and products purchased through us)
and financial information (such as credit history,
income, etc.).
OUR OBJECTIVE COLLECTION OF PERSONAL INFORMATION
The Personal Information you provide us is We may obtain Personal Information from you or a
important to our business and vital in serving your third party. We may collect such information from
needs. We are committed to the responsible applications or other forms submitted by you, from
collection, management and use of such information. transactions with us, our affiliates or other parties,
This Privacy Policy guides us in achieving that from consumer reports or from other sources.
commitment and applies to all of our members and
OUR USE OF PERSONAL INFORMATION
other customers in the United States. In order to
We limit our use of Personal Information to
remind you of our commitment, we will send you a
information we believe helps us serve our members
copy of our Privacy Policy at least annually
and other customers and to conduct our business.
following our initial notice.
We share such information with certain of our
PERSONAL INFORMATION COVERED BY POLICY employees in order to enable them to perform
By “Personal Information,” we mean information business functions, such as servicing our members
we possess that identifies you personally and is not and other customers, paying claims and benefit
otherwise available to the public. This information amounts, advising our members and other customers
includes general information (such as name, address, of our existing products and services and developing
phone number, birth date and Social Security new products and services.
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20. SHARING OF PERSONAL INFORMATION disclosed to them. We may also share Personal
WITH AFFILIATES Information with certain other third parties, including
We may share Personal Information relating to your financial service providers (such as mortgage bankers
transactions or experience with us, with our affiliates, and insurance agents) and non-financial service
such as the other membership services operated by providers (such as retailers, airlines and publishers),
Trilegiant Corporation and its affiliates, as well as so that they may offer you products or services that
with affiliated financial institutions and other affiliates we believe may be of value to you – note that you
(including those existing currently or in the future). have the opportunity to direct that your Personal
Information not be disclosed to such third parties.
SHARING OF PERSONAL INFORMATION
WITH NON-AFFILIATES
We may also share Personal Information with (X)
unaffiliated third parties, including marketing partners,
printers, billing agents, insurance companies,
administrators and service providers, that assist us in
performing our business functions and marketing our
products, and as otherwise permitted or required
by law, and (Y) unaffiliated third parties providing
services under a joint marketing agreement between
us and one or more other financial institutions; in
any such case, we will require such third parties to
maintain the confidentiality of Personal Information
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21. METHODS FOR OPTING OUT OF SHARING for that data and grant access to protected data only
PERSONAL INFORMATION to those individuals who need to use it in performing
If you do not want us to share your Personal their job-related duties. Employees who violate our
Information with unaffiliated third parties (other security procedures will be subject to disciplinary
than those disclosures required or permitted by law), action, which may include termination.
please check the box at right, print your name and
TREATMENT OF INFORMATION OF FORMER
address in the boxes and send the form to us at
MEMBERS AND CUSTOMERS
Trilegiant Corporation, P.O. Box 111100, Trumbull,
We will continue to follow our Privacy Policy even
CT 06611-8100. We ask that you mail your request
when you are no longer a member or other customer
in a stamped envelope that does not include any other
of our business.
correspondence. Once your request has been received
and processed, it will remain in effect until you PERIODIC CHANGES TO OUR PRIVACY POLICY
request a change. This Privacy Policy supersedes all privacy policies
and other similar standards previously issued by us or
MAINTAINING THE SECURITY
our affiliates. Since the privacy standards set forth
OF YOUR INFORMATION
herein are subject to updates and other changes from
We have implemented security procedures which
time to time, please note that this Privacy Policy is
use reasonable measures to ensure the security,
subject to change at any time. In the event of any
confidentiality and integrity of Personal Information
such changes, we will notify all of our members and
in our possession and guard against unauthorized
other customers of such changes in the manner and to
access or use. We also identify data that is to be
the extent required by law.
protected, provide a reasonable level of protection
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22. Please don’t share my Personal Information with unaffiliated third parties (other than those disclosures required or permitted by law).
SPECIAL NOTICE FOR CALIFORNIA RESIDENTS. If you have a California mailing address, we will not share
your Personal Information with unaffiliated third parties that are not financial institutions (other than as required or permitted by California and
federal law). In addition, you may request that we not share your Personal Information with unaffiliated financial institutions with which we have
joint marketing agreements or with our affiliates, except as required or permitted by California and federal law. If you do not want us to share
your Personal Information with such parties, please check the box below and enter your name, address, and member number in the space
provided. Alternatively, you may make this request by e-mail by sending this information to glbpolicy@trilegiant.com.
Please complete all the information
Please don’t share my Personal Information with unaffiliated financial institutions with which you have joint marketing agreements or with your
below and return the form in a affiliates (other than those disclosures required or permitted by California and federal law).
stamped envelope. Please print
clearly and use blue or black ink.
First Name Last Name
MAIL TO: Trilegiant Corporation,
P.O. Box 111100, Trumbull, CT Address [If Rural Route (RR), must include P.O. Box.] Apt. No. Rural Route P.O. Box
06611-8100
–
City State Zip Code
GRS 1210