Protecting Your

IdentityWorldwide.com

The Complete Identity Protection Program

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Protecting three types of identity theft

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Protects Against All Three Types Of Identity Theft

IdentityWorldwide.com offers advanced protection against the three main types of identity fraud: new account fraud, credit card fraud and existing account fraud. Other protection services only work after an identity breach has occurred. IdentityWorldwide.com offers a wide array of proactive protection that can stop fraud before it starts.

Step-by-step fraud assistance

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Peace of Mind with Fraud Assistance

Our Fraud Assist Toolbox is a convenient online tool that helps streamline the identity theft recovery process. Simply select the type of problem you are facing and the guide will provide step-by-step instructions for resolving your issue. By coaching you through the recovery process, our Fraud Assist Toolbox can dramatically reduce the time and emotional stress of recovering from identity fraud.

Full-service identity protection

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Simple, Honest Identity Protection

Unlike some identity protection services, IdentityWorldwide.com's identity theft insurance is a true insurance policy, and not a "service guarantee" that only provides reimbursement if the product fails to deliver on promised services. With IdentityWorldwide.com, your eligible expenses may be covered for up to $1 Million4* if your identity becomes compromised. That's our guarantee to you.

Staying one step ahead of the curve

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We Stay One Step Ahead of Theft

Ever hear that phrase, “an ounce of prevention is worth a pound of cure?� When it comes to identity theft, that’s our philosophy. That is why we put significant resources into learning about the constantly changing landscape of threats, and as a member, you can benefit from our complete protection.

IdentityWorldwide.com Educates You on Keeping your Identity Safe

Protect Your Social Security Information

Keep your social security information secret

Don't carry your social security card in your wallet. If a company utilizes your social security number as your customer number, ask them to change it. Avoid giving out your social security number unless it is absolutely necessary - such as to a government organization or when obtaining a new job - and always ask why providing your social security number is required.

Be Wary of Phishing

Be alert about phishing attempts

If someone posing as a bank, store or other enterprise contacts you to provide or verify sensitive information such as account numbers or passwords, be wary. Legitimate companies do not request this type of information through solicitations. If you receive such a request, contact (or visit if possible) the bank, company or website directly and verify why the information is required. Do not directly reply to (or link from) an email, phone call or letter requesting sensitive data - even if it seems legitimate - as this could potentially send your information right into the hands of scammers.

Shred Everything Containing Your Identity

Always shred your important documents

Use a micro-cut, cross-cut or "confetti" shredder to dispose of bank statements, credit card bills, convenience checks, old credit cards and other items with personal information. Scammers use these items to open new accounts in your name or withdraw on your existing accounts.

Guard All Your Credit Cards

Keep your credit card information protected

Make a phone list of your credit card issuers (usually found on the back of each card) and store in a safe place. In the event that your cards are lost or stolen, having these phone numbers will enable you to contact the card issuer quickly, minimizing your liability. Also, be sure to shred any "pre-approved" card offers before disposing of them. You can minimize the number of pre-approved offers you receive by calling 1-888-5-OPT-OUT (1-888-567-8688). Finally, never write your full credit card number on a check. Instead, write "ends in" and then the last 4 digits of your card number. This is all companies need to match you to your payment.

Manage Mail Carefully, Every Day

Manage your mail daily

Be sure to collect your mail as soon as possible. A box bulging with letters, bills and catalogs are an identity thief's dream - and your worst nightmare. If you are not able to pick up your mail for an extended period of time, have a neighbor collect it or request that the post office hold it for you. Bring any outgoing mail to the post office or drop it into a secure drop box - placing bill payments in your personal mailbox can provide identity thieves easy access to all the information they need to start racking up fraudulent charges in your name. If you must place outgoing mail in your box, do not raise your mailbox's flag - your letter carrier will know to collect your outgoing mail even if the flag isn't used.

Zero Out & Destroy Old Hard Drives

Hard drive destruction

When disposing of an old computer, be sure to wipe or destroy the hard drive first. Properly wiping the data from a hard drive requires special software, as simply deleting files - and even formatting the drive - leaves your data intact enough that even a novice thief could recover your information. If you do not have the adequate "wiping" program, then remove your hard drive from the system and destroy it... open the old drive, tear it apart, scratch and break the hard disk, etc. The key is to sufficiently destroy the disc and its contents to render them completely unrecoverable.

Passwords & Smart Surfing Online

Careful browsing

Computer passwords should be at least 8 characters, utilizing a combination of letters and numbers. Protect your computer with a firewall and spyware detection and virus protection software. Update and run spyware detection and virus protection software at least once a month. Do not open emails or files - or click on hyperlinks - that come from unknown sources.

* IMPORTANT NOTICE: YOUR LIABILITY FOR UNAUTHORIZED USE UNDER FEDERAL LAW:

For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card. For debit and cash-machine (ATM) cards: Your liability for unauthorized use of your card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the loss of the card. After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. In addition, if you do not notify the card issuer within 60 days after a periodic statement showing unauthorized transfers is sent to you, then you will also be liable for the amount of unauthorized transfers that occurred after the 60-day period and before notice to the card issuer, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the 60-day period.

The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of Chartis Inc. (collectively, the "Company") under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the IdentityWorldwide.com. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

Your liability for unauthorized use of your credit, debit, and ATM cards is limited under federal law. In addition, your card issuer's liability policy may provide for lesser liability amounts than under federal law. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable.