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.
Menu
The Service Descriptions included herein constitute the latest descriptions of EZShield Services as of the date of this document. Updates will appear periodically in the EZShield website and should be consulted for an up-to-date accounting of all the service features.
The Service applies broadly to the protection of a customer’s identity. Individuals are often subject to theft, fraud, misuse of personal information, and unintended exposure of personal and financial data. EZShield ID Restoration Pro offers peace of mind with access to certified resolution specialists, as well as proactive tools to help protect against 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 protect against 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 protect against 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 complimentary services to help mitigate such risks. 90 days for fraud, 1 year for ID Theft.
Individual Restoration: Limited to individuals properly registered as a customer.
Online Identity Vault: 10 GB of storage with access for one customer only.
Family Restoration: Limited to the individual properly registered as a customer and his/her affiliated persons. Affiliated persons gain access to the certified resolution specialists and restoration services features of this product.
Affiliated Persons: For an individual user, affiliated persons shall be limited to:
EZShield Vault: 10 GB of storage with access for one customer only.
Recent studies have shown identity fraud incidences continue to increase year over year. Having one's personally identifiable information (PII) exposed or compromised significantly increases the risk of identity theft and fraud. The problem can be compounded once the information reaches the alarmingly active internet black market sites where information is traded, sold and re-sold through thousands of websites, chat rooms and underground forms. As criminals continue to seek new ways to exploit this information, if an individual's PII is found on these known sites, identity theft has already occurred and immediate action is necessary. EZShield will constantly and proactively monitor these sites, chat rooms and underground forums, and alert the consumer regarding any activity, while securely storing the following personal and financial information (Identity Elements) provided by the customer:
Ongoing scans of black market chat rooms, websites and databases will be performed to ensure that the name, address, Social Security number, email address, phone number, credit card numbers and bank account identification associated with a user's account are not currently compromised in the black market channel.
Provides e-mail alerts and/or phone notifications within 24 hours of activities discovered through the process of monitoring the Customer's provided personal and financial information.
Changes to a customer's credit report that they did not initiate can be the first sign of fraud. This service synchronizes with the credit bureaus and alerts the customer any time there is a change to their credit file. As part of the Service, EZShield will monitor activity associated with the customer's identity as it relates to changes on their credit report and alert the customer of these changes.
Monitors for changes and new activity from credit bureau(s) which allows the Customer to validate that the credit related activity is their own.
Provides e-mail alerts and/or phone notifications of activities discovered in the process of monitoring changes to the Customer's credit report.
Monitoring services requires one-time verification of the Customer's identity to ensure that we are securely monitoring the Customer's credit report and notifications are received.
A resource section providing credit FAQ's and tips containing factors that may impact the credit score.
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.
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.
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:
Change of Address Monitoring: Monitors and alerts you if your mail has been redirected through the United States Postal Service.
Criminal Records Monitoring: Alerts you in the event that monitored state or local records for arrests and incarcerations match your information.
Sex Offender Registry Monitoring: Alerts you if we found an address of a registered sex offender(s) within a 2-mile radius of your address.
Short Term Loan Monitoring: Alerts you to short term and specialty loans, including short term loans, that were obtained using your social security number.
Smart SSN Tracker: Social Security Number tracking that intelligently alerts you if there’s an unfamiliar name, alias, or address associated with your SSN, which could be an indication of fraud.
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.
One-Bureau Quarterly Credit Report is part of EZShield's full suite of credit management services and specifically applies to the delivery of a customer's 1-bureau credit report.
Unfamiliar changes, new accounts and other credit-related activity can often mean fraud or identity theft has occurred. Security specialists recommend reviewing credit reports regularly to spot early signs of identity crime.
Customers will receive a 1-bureau credit report each quarter through their EZShield online dashboard. This service does not prevent customers from receiving a free credit report every 12 months directly from a credit reporting agency.
Other credit reports are still available for purchase via the customer's online dashboard outside of the quarterly service cycle.
The Service applies to personal or business checks that have been affected by forged signatures, forged endorsements and/or alteration. Checks, like other forms of payment, are subject to theft, fraud, misuse and unintended exposure of personal data. Independent studies continue to show check fraud is one of the most prevalent forms of fraud impacting consumers and businesses. Because checks draw directly from the funds of the payee (and not on a credit line, for example), the urgency of providing check fraud related services is more acute. As financial institutions require time to investigate theft and fraud, the EZShield Check Fraud Protection Program 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 his/her 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.
Either through Live Fraud Feed from partner or FightingIdentityCrimes.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 check restoration services on behalf of victims and coordinate with the 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 of 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 both 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 with restoration from a lost/stolen wallet or fraud event. It is also designed to help the customer take necessary steps to help prevent fraud from occurring 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 has 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.
Standard: Advancement applies to forged signatures, forged endorsements and altered checks.
Premium: Includes counterfeit checks in addition to the standard service offering.
In 2016, Javelin Strategy & Research cited upward trends in both Account Takeover (ATO) and New Account Fraud (NAF) – with losses from ATO up 60 percent from the previous year. Financial Account Monitoring (FAM) monitors for instances where a customer’s personal information has been used to in new account inquiries, or to make account holder changes to various financial accounts like checking, savings, certificate of deposit (CD) business and IRA accounts (“Financial Accounts”). The service will alert customers if their information was found in submitted, pending or approved new account inquiries. FAM will also send alerts when new signers have been added to a customer’s financial account.
FAM monitors for unusual activity or changes to Financial Accounts only. This service does not include monitoring of credit accounts.
Customers can receive four (4) types of FAM alerts: new account inquiry; pending account opening; confirmed account opening; new signers added. These alerts are sent promptly to customers via email and/or push notification (for EZShield DashAccess mobile app users) so they can immediately act upon the potential threat.
Financial Account Monitoring Alert Types:
Customers can mark an alert as "Me" or "Not Me" to indicate the threat it poses to their identity. "Me" indicates that the customer recognizes the activity, whereas “Not Me” indicates a potential threat to the customer’s identity. An alert marked as “Not Me” will also trigger a new case to be opened by the Resolution Center.
FAM alerts are triggered by changes or account-opening events tied to a customer’s name and Social Security number. FAM will begin collecting a customer’s data for alerts at the time of enrollment into the service. Thus, no historical reports are available.
FAM requires a customer to first verify his or her identity via a knowledge-based authentication before continuing use of the service. The personal and financial information collected and provided by FAM alerts warrants additional identity verification measures to protect sensitive customer information.
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.
The Service applies broadly to the protection of a customer’s identity. Individuals are often subject to theft, fraud, misuse of personal information, and unintended exposure of personal and financial data. EZShield ID Restoration Pro offers peace of mind with access to certified resolution specialists, as well as proactive tools to help prevent fraud and misuse.
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.
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.
One-Bureau Monthly Credit Report is part of EZShield's full suite of credit management services and specifically applies to the delivery of a customer's 1-bureau credit report.
Customers will receive a 1-bureau credit report each month through their EZShield online dashboard. This service does not prevent customers from receiving a free credit report every 12 months directly from a credit reporting agency.
Other credit reports are still available for purchase via the customer's online dashboard outside of the monthly service cycle.
With more than 3.5 billion mobile internet users in 2017, malware and other cybersecurity risks are on the rise. EZShield Mobile Attack Control is a mobile-only service that scans for a variety of threats identified as potential security risks to a user's mobile device.
Mobile Attack Control is compatible with both iOS and Android mobile devices. The service begins scanning the device once the user opens the EZShield Mobile App. Mobile Attack Control detects a variety of mobile-specific threats including, but not limited to:
Users get access to their very own personal VPN to secure their Internet connection when they're on the go. If their mobile device is connected to an unsecure or non-trusted network, members can turn on VPN and know that their information is protected.
Note: Scan elements are specific to the user's device operating system, and may not be available across both iOS and Android.
Elements Scanned:
Mobile Attack Control will notify users of threats found by the service once the scan has completed. These notifications are delivered in-app via push notifications only. If threats are found on the device, users can leverage the mobile click-to-call feature to connect with the Resolution Center – 24/7.
When consumers receive a notification letter or hear about a breach in the news, the Breach Search tool lets them search on the name of an organization to learn about a breach and determine what action should be taken.
AI driven algorithm analyzes 1,300 breach elements to deliver a Breach Risk Score and personalized risk profile, unique set of risks, and prioritized actions from among 50+ possibilities (vastly more than monitoring credit or changing passwords). BreachIQ models consider 12 different possible fraud and scam types, including financial frauds (all four types), medical identity fraud, credit card fraud, tax refund fraud, scams including advance fee schemes, and various government benefits fraud. As fraud risks change, BreachIQ’s algorithm changes too, bringing the most relevant information on what a breach means for a customer. This AI driven approach provides maximum customer peace of mind and protection, that includes all their provider relationships.
The Breach Clarity algorithm is based on 60 individual identity credentials (58 more than just log in and password credentials--criminals prefer to use as many as they can), all 12 possible identity crime categories, and over 50 possible action steps that minimize risk.
The Breach Clarity proprietary database is the only complete source of all publicly reported US data breaches, providing detailed and personalized risk assessments and action steps. Many large breaches do not typically show up in dark web scans, but BreachIQ, using several data sources can return information on most public data breaches.
Every customer has a unique breach history, combined with equally unique action steps they have taken to protect their identity. The ID Safety Score is dynamically based on both factors, to consider both the threats an individual faces as well as their protective stance regarding those personalized risks.
The highly personalized solution remembers the actions consumers have taken, to only present the consumer’s next best action. As a result, BreachIQ simplifies the consumers’ task of sorting through the extremely limited or overly complex advice they get elsewhere, all in a UI that focuses on the next best action.
BreachIQ’s internal examination of all consumer ID fraud indicates that most fraud occurs at an FI. Criminals most often ‘go where the money is’, which is why BreachIQ’s assessment of four distinct FI fraud risks and powerful action steps point consumers to the precise methods they can use to protect against cybercrime in existing financial accounts (banks, credit unions, payment card issuers, and more), or get the fastest possible detection in new or existing accounts to stop it in its tracks.
Sontiq’s award winning restoration services are available in all BreachIQ solutions.
For your Privacy and Protection, this online session is about to timeout due to inactivity.
If you are still working, please Click the Continue button below. To log out now, click the log out button. If no choice is made, you will be automatically logged out.