Employee Identity Theft Plans for Issues Management dba Five Star Call Center. Prepared by LegalShield June 26, 2018 Proposal valid for 180 days.

Transcription

1 Employee Identity Theft Plans for Issues Management dba Five Star Call Center Prepared by LegalShield June 26, 2018 Proposal valid for 180 days. Sean Rooney National Sales Director LegalShield Business Solutions

2 Table of Contents 2

3 Protecting Your Bottom Line with IDShield EMPLOYEES ARE FINANCIALLY STRESSED and unprepared for sudden expenses. When they are dealing with personal finances in the workplace, they lose productivity and YOUR COMPANY LOSES MONEY. 47% of Employers 34% of Employees agree that employees have asked a manager or supervisor for personal financial advice in the last year2 spend 2 3 hours while at work each week on personal finances, 24% spend over 4 hours1 HIGH STRESS due to financial debt can cause a: 500% increase in anxiety and depression 44% greater chance of suffering from migraines 2x the rate of heart attacks, ulcers and other digestive issues3 Sources: 1. Harris Poll on behalf of Purchasing Power of 2,080 working U.S. adults employed full-time, Dec , The 2014 Employee Financial Stress Survey, commissioned by Elevate. 3. Human Resources Executive, Financial Stress and Productivity Are Inextricably Linked, Elizabeth Halkos, May Financial stress not only decreases productivity, it puts your employees at a greater risk for an injury or illness. By protecting your employees from the financial stress of an unexpected legal event your employees will be more engaged, focused, and productive benefiting them and your bottom line!

4 IDShield Plan A comprehensive and affordable IDENTITY THEFT SOLUTION. THE IDSHIELD PLAN PROVIDES THE FOLLOWING SERVICES: MONITORED INFORMATION Credit/Debit/Retail Cards Date of Birth Driver s Licenses Addresses Home Address Medical ID Name Passport Number Phone Numbers Social Security Number PRIVACY AND SECURITY MONITORING Court Record Monitoring Child Monitoring* Credit Monitoring Criminal Record Monitoring Internet Monitoring Payday Loan Monitoring Social Media Monitoring And More COMPREHENSIVE SOURCE MONITORING Global Black Market Websites Internet Relay Chat (IRC) Local, State and Federal Databases Online Chat Rooms Peer-to-Peer Sharing Networks Social Feeds UNLIMITED CONSULTATION Assistance in Analyzing and Interpreting Credit Reports Consultation on Common Trends and Scams Data Breach Safeguards Identity Theft Consultation Lost/Stolen Wallet Assistance COMPREHENSIVE IDENTITY RESTORATION $5 Million Service Guarantee Full Service Restoration by Licensed Private Investigators Pre-existing Identity Theft Restoration GENERAL 24/7 Emergency Assistance Access to Licensed Private Investigators Live Participant Support Mobile App Monthly Credit Score Tracker Password Manager Credit and Identity Threat Alerts *Available with family plan only. IDShield is a product of LegalShield, and provides access to identity theft protection and restoration services through an exclusive relationship with Kroll. Neither LegalShield nor its officers, employees, or sales associates directly or indirectly provide identity theft protection, restoration services, or advice. The following are excluded from the Services: Legal Remedy Any Stolen Identity Event where the member is unwilling or unable to prosecute or otherwise bring a civil or criminal claim against any person culpable or reasonably believed to be culpable for the fraud or its consequences. Dishonest Acts Any dishonest, criminal, malicious or fraudulent acts, if the member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. Financial Loss Any direct or indirect financial losses attributable to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or directly. Business The theft or unauthorized or illegal use of any business name, DBA or any other method of identifying business (as distinguished from personal) activity. Third Parties Not Subject to U.S. or Canadian Law Restoration services do not remediate issues with third parties not subject to United States or Canadian law that have been impacted by an individual s Stolen Identity Event, such as financial institutions, government agencies, and other entities. 4

5 IDShield Plan Pricing IDSHIELD MONTHLY RATE (Individual/Family) PLAN TYPE $6.75/$12.75 IDShield Plan WHO IS : The member, spouse/partner and up to 8 dependent children under the age of 18. Also, provides consultation and restoration to dependent children age 18 to 26. 5

6 Why IDShield? IDShield is the only identity theft plan armed with a team of LICENSED PRIVATE INVESTIGATORS. For over 15 years LegalShield has worked to identify and restore participants identities and have successfully restored over 15,000 identities. Paid in advance, IDSHIELD S LICENSED PRIVATE INVESTIGATORS: Are assigned to each case, creating a 1:1 relationship with each participant Stay assigned to each case until fully resolved Have credentials that matter: Certified Fraud Examiners FCRA (Fair Credit Reporting Act) CITRMS (Certified Identity Theft Risk Management Specialist) CIPP/US (Certified Information Privacy Professional) Have unmatched experience with all types of identity theft: Medical identity theft Disability benefits fraud Criminal identity theft Payday loan fraud 6

7 Why IDShield? Identity Theft Protection AT ONE S FINGERTIPS. THE IDSHIELD MOBILE APP PROVIDES PARTICIPANTS DIRECT ACCESS TO A LICENSED PRIVATE INVESTIGATOR. They can track their credit score, view their alerts and more! RECEIVE credit and identity threat ALERTS Monthly CREDIT SCORE tracker Direct access to a LICENSED PRIVATE INVESTIGATOR 24/7 EMERGENCY access Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google Inc. 7

8 Why IDShield? From uncovering and restoring pre-existing identity theft to helping prevent future thefts, IDShield provides a $5 Million Service Guarantee. Here s what some of our MEMBERS have to say. When I spoke with my investigator, she was very caring and understanding about my situation and helped me tremendously. I feel like a huge weight has been lifted off my shoulders. - K.C. IDShield Member The investigator s quick response on my identity theft curtailed a lot of additional fraud on my profile. I am so thankful that I have IDShield. It would have been a nightmare to handle this situation myself. - K.M. IDShield Member It is so wonderful to know I have someone on my side. When the other company sent me two pages front and back of things I have to do in order to be covered I was overwhelmed at best. What a blessing when my IDShield investigator told me all I have to do is change my passwords and contact the IRS. She took care of all the rest! Thanks again! - C.F. IDShield Member 8

9 IDShield s Plan Coverage Definitions ADVICE AND CONSULTATION CREDIT REPORTS Assistance interpreting and analyzing a credit report secured by the participant and guidance to reduce pre-approved credit offers. If identity theft occurs, a three credit bureau credit report will be provided to the participant at the beginning and end of the identity theft restoration process. DATA BREACH SAFEGUARDS Advice and assistance on steps needed in the event the participant is a victim or a potential victim of a data breach. LOST/STOLEN WALLET ASSISTANCE Guidance on the steps needed in the event the participant s wallet is lost or stolen. 9

10 PRIVACY AND SECURITY BEST PRACTICES Unlimited consultation on best practices for use and protection of SSNs, Personally Identifiable Information (PII), financial transactions, online activities, consumer privacy and child identity theft. PHONE/MAIL SOLICITATION Advice and assistance to reduce unsolicited offers of credit and insurance, removal of phone number from telemarketers call lists and reduction of advertisements (CAN-SPAM) and marketing mail and catalogs. SEX OFFENDER SAFEGUARDS Advice and sex offender database searches for the participant s home address. TELEPHONE CONSULTATION Unlimited telephone consultations on any personal identity theft matter, unless specifically excluded by the plan. The IDShield Licensed Private Investigator will provide advice and representation on any matter covered by the plan. If the matter is not covered, the Licensed Private Investigator will provide consultation on the best course of action. ALERTS AND NOTIFICATIONS CREDIT INQUIRY ALERTS Participants will be notified via when a creditor requests their Experian credit file. CREDIT SCORE TRACKER The participant s credit score is tracked monthly and automatically updated and displayed on the IDShield mobile app and participant dashboard. 10

11 DATA BREACH NOTIFICATIONS Participants will receive notifications of large and high publicity data breaches. PRIVACY ALERTS Identity threat alerts are sent directly to the IDShield mobile app and the participant s . PRIVACY AND SECURITY MONITORING MONITORED INFORMATION The following Personally Identifiable Information is constantly monitored across the Internet: Bank Accounts (up to 10) Credit/Debit/Retail Cards (up to 10 each) Date of Birth Driver s License Addresses (up to 10) Home Address Medical ID Numbers (up to 10) Name Passport Number Phone Numbers (up to 10) Social Security Number CHILD MONITORING (FAMILY PLAN ONLY) Monitors up to 8 children under the age of 18, for potential fraudulent activity associated with the participant s child s SSN. The service monitors public records in all 50 states, including real estate data, public records/court proceedings, bankruptcies, and liens. Parents/guardians are provided a baseline scan, subsequent alerts and notifications if exposing data is found. COURT RECORD MONITORING This service searches for online court records that match the participant s name and date of birth from county courts, Department of Corrections (DOC), Administration of the Courts (AOC), and other legal agencies - approx. 350 million criminal records searched. Court records are sourced from county, state, and federal data sources. County records are sourced from the 250 most populous counties along with arrest records, court records, correctional records, and State Department records. 11

12 CREDIT MONITORING The participant's credit information is monitored through Experian. In the event of identity theft a three credit bureau credit report will be secured. ADDRESS CHANGE VERIFICATION Monitors if a change of address has been requested through the United States Postal Service. INTERNET MONITORING Monitors global black market websites, IRC (internet relay chat) channels, chat rooms, peer-to-peer sharing networks, and social feeds for a participant s Personally Identifiable Information (PII). PAYDAY LOAN MONITORING Monitors for short-term payday or similar cash advance loans. SOCIAL MEDIA MONITORING Monitors the social media platforms Facebook, Twitter, LinkedIn and Instagram as well as content feeds for privacy and reputational risks. Monitors home address information, address, date of birth, and Social Security Number for a participant s Personally Identifiable Information. Vulgar, harmful or threatening and or sexual language, drug and alcohol references and discriminatory language is also monitored for content that has the potential to create reputational risks. IDENTITY THEFT RESTORATION IDENTITY THEFT RESTORATION PREPARATION Participants are immediately assigned to a Licensed Private Investigator who will work directly with the participant for the entire resolution process, creating a 1:1 relationship. As part of the restoration process the Licensed Private Investigator will: Organize details of open identity theft issues Explain the participant s rights, process and responsibilities involved Assist in completing the necessary paperwork Provide a Fraud Packet which includes Limited Power of Attorney authorization Issue a Fraud Alert to all three credit bureaus 12

13 IDENTITY THEFT RESTORATION PROCESS Licensed Private Investigators will: Provide step-by-step guidance throughout the restoration process Issue a Fraud Alert upon receiving the signed Limited Power of Attorney to the Social Security Administration (SSA), Federal Trade Commission (FTC) and U.S. Postal Service (USPS) Search for other instances of identity theft Review credit history 1:1 with the participant and verify if fraud includes items such as: public records (liens, judgments, bankruptcies), credit accounts (new and/or derogatory), addresses, and prior employment Work directly with affected financial institutions and credit card companies and issue Fraud Alerts to those impacted Restore the participant s identity to its pre-theft status with a $5 Million Service Guarantee. Some identity theft incidents are more complex than others and may require additional action to resolve, such as: Determining if creditors extended additional credit Contacting creditors and collection agencies to dispute all fraudulent accounts Searching criminal record databases and Department of Motor Vehicle records Performing a Social Security trace and Death Index Assisting with law enforcement personnel Providing ongoing restoration updates IDENTITY THEFT RESTORATION CLOSING PROCESS The closing process includes: Verbal confirmation from both parties that the issue is fully resolved Providing a final review 120 days post resolution with a trimerged credit bureau report Consultation to re-confirm identity has been restored to its pre-theft status Written confirmation that the issue is fully resolved or reopening the case if identity is not restored to its pre-theft status LICENSED PRIVATE INVESTIGATORS Licensed Private Investigators have an average of 7 years experience and come from fields such as banking, collections, insurance, law enforcement, background investigations, credit reporting, and more. In addition to being licensed PIs, they also have credentials that allow them to fully research and resolve identity theft incidents including: Certified Fraud Examiner (CFE) Fair Credit Reporting Act Certified (FCRA) Certified Identity Theft Risk Management Specialist (CITRMS) Certified Information Privacy Professional (CIPP) 13

14 LIMITED POWER OF ATTORNEY Participants can authorize their assigned Licensed Private Investigator to have Limited Power of Attorney over them to fully resolve their identity theft incident on their behalf. SERVICE GUARANTEE A $5 Million Service Guarantee is provided to ensure the participant s identity is restored fully to its pre-theft status. ADDITIONAL BENEFITS 24/7 EMERGENCY ASSISTANCE The participant receives toll-free telephone access to Licensed Private Investigators on a 24-hour per day basis for emergencies. Emergency access is not available for general consultation on best practices. MOBILE APP Participants can access their credit score, case history, receive and review alerts and call directly for assistance through the IDShield mobile app. The mobile app is updated every 15 minutes. PASSWORD MANAGER IDShield Vault allows participants to manage and generate passwords. With a browser plugin installed, IDShield Vault will also autofill known passwords when browsing on the web and sync across devices providing secure auto backup. IDS_GR_