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EZShield Fraud Protection®

Service Descriptions

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.

Contents

EZShield Check Fraud Protection Program®

HIGHLIGHTS

  • Advances funds up to $25,000 within 72 hours for qualified losses
  • Expert protection tips and timely news through the Live Fraud Feed or FightingIdentityCrimes.com
  • North American based Certified Resolution Specialists
  • End2End Defense® 32-step restoration process
  • 24/7 live support
  • Check Replacement

DESCRIPTION OF SERVICE

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.

Advanced Fund Services

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.

Education and Preventive Measures

Either through Live Fraud Feed from partner or FightingIdentityCrimes.com.

North American based Certified Resolution Specialist

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.

Check Replacement

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.

Backed by End2End Defense®

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.

SERVICE LEVEL DEFINITIONS FOR QUALIFIED LOSSES

Standard: Advancement applies to forged signatures, forged endorsements and altered checks.

Premium: Includes counterfeit checks in addition to the standard service offering.

EZShield® Business Check Fraud Protection

HIGHLIGHTS

  • Advances funds up to $25,000 within 72 hours for qualified losses
  • Expert protection tips and timely news through the Live Fraud Feed or FightingIdentityCrimes.com
  • North American based Certified Resolution Specialists
  • End2End Defense® 32-step restoration process
  • 24/7 live support
  • Check Replacement

DESCRIPTION OF SERVICE

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.

Advanced Fund Services

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.

Education and Preventive Measures

Either through Live Fraud Feed from partner or FightingIdentityCrimes.com.

North American based Certified Resolution Specialist

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.

Check Replacement

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.

Backed by End2End Defense®

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.

SERVICE LEVEL DEFINITIONS FOR QUALIFIED LOSSES

Standard: Advancement applies to forged signatures, forged endorsements and altered checks.

Premium: Includes counterfeit checks in addition to the standard service offering.

EZShield® ID Restoration Classic

HIGHLIGHTS

  • Expert protection tips and timely news
  • US-based Certified Resolution Specialist
  • End2End Defense® 32-step restoration process
  • 24/7 live support

DESCRIPTION OF SERVICE

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 offers peace of mind with access to certified resolution specialists, as well as proactive tools to help prevent fraud and misuse.

Expert protection tips and timely news

Either through the Live Fraud Feed from partner or FightingIdentityCrimes.com.

US-based Certified Resolution Specialist

  • Fully managed restoration services.
  • 1-on-1 dedicated care.

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:

  1. notifying and requesting government-issued identification such as a state's Driver's License, Social Security card or Passport;
  2. notifying the three national credit bureaus to place fraud alerts on customer's credit reports, and review such reports to identify evidence of the fraud or identity theft event;
  3. notifying banks, credit card companies and merchants as directed by the customer to freeze or close any accounts compromised by or resulting from the fraud or identity theft event;
  4. notifying the Federal Trade Commission and filing a complaint to report the identity theft event;
  5. and otherwise coordinating with credit bureaus, banks, credit card companies, government agencies and/or merchants.

End2End Defense® in-depth restoration process

  • Proprietary 32-step checklist
  • For lost/stolen wallet, breached data, fraud or ID theft
  • Designed to discover, isolate & prevent future fraud
  • The EZShield Promise

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.

  • 24/7 live support and one-on-one assistance from a dedicated, certified Resolution Specialist 8am to 8pm EST, Monday through Friday.

SERVICE LEVEL DEFINITIONS

Individual Restoration: Limited to individuals properly registered as a customer.

EZShield® Business ID Restoration Classic

HIGHLIGHTS

  • Expert protection tips and timely news
  • US-based Certified Resolution Specialist
  • End2End Defense® 32-step restoration process
  • 24/7 live support

DESCRIPTION OF SERVICE

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 Identity RestorationSM 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.

Business Education and Preventive Measures

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.

US-based Certified Resolution Specialist

  • Fully managed restoration services.
  • 1-on-1 dedicated care.

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 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:

  1. submit to EZShield the EZShield Identity Restoration incident form;
  2. complete and execute a limited power of attorney form;
  3. provide proof of the criminal complaint filed with the applicable law enforcement authority; and
  4. provide other documents as required by EZShield in its discretion.

Resolution specialists are available to assist in:

  1. notifying and requesting government-issued identification such as a state's Driver's License, Social Security card, or Passport;
  2. notifying and requesting government-issued identification such as Employer Identification Number, licenses and other corporate documents;
  3. reviewing customer's credit reports through the three national credit bureaus (Equifax, Experian and TransUnion) to identify evidence of the fraud or identity theft event;
  4. reviewing customer's Dun & Bradstreet and Experian business reports;
  5. notifying banks, credit card companies and merchants as directed by customer to freeze or close any business accounts compromised by or resulting from lost cards, fraud and/or identity theft event;
  6. notifying the Federal Trade Commission and filing a complaint to report the identity theft event;
  7. reviewing the status of notification and correction requirements
  8. and otherwise coordinating with credit bureaus, banks, credit card companies, government agencies, and/or merchants

End2End Defense® in-depth restoration process

Our 32-point checklist is designed to isolate and assist in 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 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.

24/7 live support and one-on-one assistance from a dedicated, certified Resolution Specialist 8am to 8pm EST, Monday through Friday.

SERVICE LEVEL DEFINITIONS

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:

  1. During the term, the authorized person is the victim of an identity theft event; and
  2. such authorized person's identity theft event is directly associated with customer's identity theft event; and
  3. the authorized person submits the required documentation to EZShield and cooperates in the delivery of the Service as reasonably requested by EZShield.

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