Notice: Your use of this service means that you have accepted these terms in their entirety. If you do not agree with these terms in their entirety, please terminate the service.
III. Services; Obligations
You also confirm your authorization for CYBERSCOUT and the Third Party Providers, to obtain your credit profile and to access your credit report for your own use, to confirm your identity to avoid fraudulent transactions in your name, and to provide ongoing monitoring of your credit file while your membership is active. You further authorize CYBERSCOUT and the Third Party Providers to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the Services and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts. You authorize CYBERSCOUT and the Third Party Providers to obtain and monitor such information solely in connection with the ID Protection Service, to provide Credit Reports, and provide Alerts of changes to your credit profile data.
You may opt-in to receive alerts via SMS (text) on your mobile device. This program is limited to participating wireless carriers. As always, your carrier’s message and data rates may apply for any messages you send or receive. By opting-in to receive alerts by text, you agree that CYBERSCOUT and the Third Party Providers are not liable for any such charges you incur.
After selecting to receive SMS alerts on the FraudScout website, you will receive an opt-in confirmation text. To confirm your opt-in, please reply with YES to 73261. To discontinue receiving SMS messages from us, text STOP to 73261. For additional help, text HELP to 73261 or contact firstname.lastname@example.org or call 1-877-432-7463.
While enrolling for the Services, we will ask you for the following types of information: contact information (such as name, address, phone number, and e-mail address); sensitive information (such as date of birth, driver’s license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you any agreed upon fees for our Services, and to fulfill our obligation to provide our Services to you, including communicating with third parties as necessary to provide such Services, such as identification verification companies, consumer reporting agencies, credit bureaus, payment validation companies, law enforcement agencies, or others.
You agree that you will use the Services to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities.
V. Disclaimer of Warranties and Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE".
CYBERSCOUT, COMPANY, AND THE THIRD PARTY PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: (1) THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT; AND (2) ANY WARRANTY THAT THE SERVICES ARE ACCURATE, TIMELY, COMPLETE, OR CURRENT. CYBERSCOUT, COMPANY, AND THE THIRD PARTY PROVIDERS SHALL NOT BE LIABLE FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY USE OF THE SERVICES OR THE DATA THEREIN.
We are not a credit repair organization, or similarly regulated organization under other applicable laws, and do not provide credit repair advice. We pride ourselves on providing high quality personalized identity theft management and resolution services. However, we are not obligated or responsible for providing assistance for any request based on (a) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, or by any authorized representative of you, whether acting alone or in collusion with you or others, (b) authorized charges that you have disputed based on the quality of goods or services, (c) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions, (d) charges or activity that you personally conducted, transacted or otherwise participated in (e) losses, damages or expenses that were incurred or commenced and known or discovered prior to the use of ‘Services’, (f) charges, accounts, or activity that you personally conducted, transacted or otherwise participated in or (g) situations arising from any civil dispute matter. We reserve the right not to provide you with any fraud resolution assistance in the event CYBERSCOUT determines that you knew, or should reasonably have known, of an act of Identity Theft that commenced prior to your use of ‘Services’. If at any time you cancel your membership, CYBERSCOUT is no longer obligated to provide any additional fraud resolution assistance.
CYBERSCOUT, COMPANY, AND THE THIRD PARTY PROVIDERS MAKE NO WARRANTY THAT (i) PAST IDENTITY FRAUD WILL BE RESOLVED, IN WHOLE OR IN PART, (ii) FUTURE IDENTITY FRAUD WILL BE PREVENTED, (iii) THE SERVICES WILL MEET REQUIREMENTS OF THE CUSTOMER OR THE FAMILY MEMBER, (iv) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (v) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, OR (vi) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED THROUGH THE SERVICES OR VIA CYBERSCOUT WILL MEET THE EXPECTATIONS OF THE CUSTOMER.
VI. Limitation of Liability
SUBJECT TO PARAGRAPH V.A ABOVE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT CYBERSCOUT, COMPANY, AND THE THIRD PARTY PROVIDERS SHALL NOT BE LIABLE TO YOU FOR:
ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO, ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSS; OR
ANY LOSS OR DAMAGE WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE AS A RESULT OF:
ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY OR EXISTENCE OF ANY ADVERTISING, OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY ADVERTISER OR SPONSOR WHOSE ADVERTISING APPEARS ON THE SERVICES OR SITE;
ANY CHANGES WHICH WE MAY MAKE TO THE SERVICES, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE SERVICES (OR ANY FEATURES WITHIN THE SERVICES);
THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE, ANY CONTENT AND OTHER COMMUNICATIONS DATA MAINTAINED OR TRANSMITTED BY OR THROUGH YOUR USE OF THE SERVICES;
YOUR FAILURE TO PROVIDE US WITH ACCURATE ACCOUNT INFORMATION; OR
YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL.
THE LIMITATIONS ON OUR LIABILITY TO YOU IN PARAGRAPH VI.A ABOVE SHALL APPLY WHETHER OR NOT THE PARTIES HAVE BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES ARISING AND SHALL APPLY IN ANY ACTION ARISING FROM OR RELATED TO THE USE OR PERFORMANCE OF THE SERVICES OR FROM DATA LOSSES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), INTENDED CONDUCT OR OTHERWISE. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING THE FAILURE OF ANY ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.
Without limiting the foregoing, under no circumstances shall we or our partners be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, acts of terrorism, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.
VII. International Use
Because you can access this Site and use the Services internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States or the country of your residence. Services and products are only available to United States citizens, green-card holders or any person with a valid Social Security Number issued by the United States
VIII. Applicable Law
The materials related to the Services are designed for use by residents of the United States and its territories and possessions. We perform the Services through our corporate headquarters within the State of Arizona. This Agreement shall be governed, interpreted, and enforced according to the laws of the State of Arizona, regardless of Arizona’s conflict of laws provisions.
YOU UNDERSTAND THAT COMPANY IS NOT PROVIDING ANY OF THE SERVICES, AND AS SUCH, YOU AGREE TO INDEMNIFY AND HOLD COMPANY HARMLESS AGAINST ANY SERVICE YOU OBTAIN HEREUNDER.
X. Your passwords and account security
You agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services.
Accordingly, you agree that you will be solely responsible to us for all activities that occur under your account.
If you become aware of any unauthorized use of your password or of your account, you agree to notify us immediately.
XI. Ending your relationship with Us
If you want to terminate your legal agreement with us, you may do so by (a) notifying us at any time and (b) closing your accounts for all of the Services which you use, where we have made this option available to you. Please contact our customer service department to close your account.
We may at any time, terminate our legal agreement with you if:
We are required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or
The provision of the Services to you by us is, in our opinion, no longer commercially viable.
We are not responsible for delay or failure to perform due to causes beyond our reasonable control.
Any rights not expressly granted herein are reserved.
XIII. Cancel Policy
To cancel service, you must call Customer Service at 877-432-7463 and request a cancellation of service and/or a refund. Once enrollment has been completed:
A. If your account has yearly billing:
1. We bill a renewal fee on the anniversary date of purchase unless your subscription is cancelled on or before 30 days of the anniversary date.
2. The following pro rata policy shall apply:
Within 30 days: 75% of fees paid
Within 60 days: 50% of fees paid
Within 90 days: 25% of fees paid
After 90 days: Not eligible for a refund
B. If your account has monthly billing:
1. All collected fees are non-refundable.
2. If your request is made 48 hours or more before your next credit card billing date, the next monthly fee will be cancelled along with the subscription of services.
3. If your request is made with less than 48 hours of your next credit card billing date, your credit card will be charged for the next month and subscription of services will be cancelled. The fee for the month after next and all other subsequent months will be cancelled.
If you enrolled in FraudScout using a credit card with monthly billing and wish to switch to another offered monitoring bundle, you may do so on your FraudScout website (go to “Edit My Profile” and then the “Subscription” tab). We will immediately begin charging your credit card at the full monthly rate for the new bundle -- We will not prorate the monthly fee or refund any payments you made prior to switching bundles. The change will also be applied to any household members on your account. Switching is not permitted if your account has yearly billing.
* * *
THE FOLLOWING PROVISIONS APPLY ONLY TO “THREE BUREAU PRODUCTS AND SERVICES” PROVIDED BY TRANSUNION INTERACTIVE, INC.:
TransUnion Interactive, Inc. Service Agreement For Three Bureau (3B) Products and Services
Important Credit Monitoring Information
Credit Monitoring (including TransUnion Credit Monitoring Basic, TransUnion Credit Monitoring, and other credit monitoring products offered on or through this site) is provided by TransUnion Interactive, Inc. Credit Monitoring monitors one or more of your credit files, depending upon the type of Credit Monitoring you purchase, which are separately owned and/or maintained by each of the applicable credit bureaus: TransUnion LLC, Experian, and Equifax. Credit Monitoring monitors the credit file most closely identified with you based on multiple identifying factors such as first, middle and last names, current and former addresses, Social Security number and date of birth. Credit Monitoring may not advise or alert you if an item of identifying information about you (including your name or address or Social Security number) is contained in the applicable credit bureau’s credit file of another person, and will not provide you with any information contained in another individual’s credit file. Credit Monitoring does not monitor, compare or cross-reference your credit file(s) with the credit files(s) of any other person.
Please remember that there are different processing times for the commencement of monitoring at each credit reporting bureau, therefore you may not be enrolled in all of them at the same time. Monitoring with TransUnion LLC usually begins within 48 hours of enrollment. Monitoring with Equifax and Experian takes on average approximately 4 days to begin, though in some cases monitoring cannot be initiated during the trial period (if a trial period applies). TransUnion Interactive does not control and is not responsible for the enrollment process.
Your order of any three bureau credit monitoring product is conditioned upon successful enrollment by at least one credit bureau in its credit monitoring product. If no credit bureau is able to enroll you in its credit monitoring program, your order will be cancelled, and you will not receive alerts or monitoring of changes to any of your credit files. In the event that one or two credit bureaus, but not all three bureaus, are able to enroll you in their credit monitoring, credit monitoring will be provided by the bureau or bureaus that were able to enroll you; you will not receive alerts or monitoring of changes to the credit files of the bureau or bureaus that were not able to enroll you in their respective credit monitoring programs.
In the event you order a three-bureau credit monitoring product through this site (the “Site”), by placing your order, you agree that, if fewer than all three credit bureaus enroll you in their credit monitoring, TransUnion Interactive is authorized to monitor only the credit files at the bureau or bureaus that enrolled you. Any such credit monitoring will be provided at the price agreed upon; you will not be eligible for a price reduction, discount or refund. TransUnion Interactive will notify you in the event that fewer than all three credit bureaus enroll you in credit monitoring, but such notification may not occur during your trial period, if any.
Images, text, screens, web pages, materials, data, content and other information (“Content”) used and displayed on the Site, including but not limited to TransUnion®, TransUnion Interactive®, TrueCredit®, TrueCredit® and Design, and Manage Your Credit Manage Your Life™ are the property of TransUnion Interactive or its licensors and are protected by copyright, trademark and other laws. In addition to its rights in individual elements of the Content within the Site, TransUnion Interactive owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TransUnion Interactive or the owner of the Content.
ALL THREE BUREAU (3B) PRODUCTS AND SERVICES, INCLUDING, WITHOUT LIMITATION, MONITORING, ALERTS, REPORTS AND SCORES, MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, ARE PROVIDED TO YOU “AS IS”. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER TRANSUNION INTERACTIVE NOR ITS AFFILIATES OR DATA SUPPLIERS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE SITE, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES OR THAT OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, TRANSUNION INTERACTIVE AND ITS AFFILIATES AND DATA SUPPLIERS DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, MEMBERSHIPS, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING THIS SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER TRANSUNION INTERACTIVE NOR ITS AFFILIATES AND DATA SUPPLIERS HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.
Registration and Accurate Information
If you decide to register on this Site to purchase three bureau products and services, you may be required to register, provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify TransUnion Interactive promptly of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your TransUnion Interactive account and your right to use the Site. Online access to consumer credit report information is subject to verification of the identity of the user.
By using this Site, you agree that TransUnion Interactive and its affiliates may use and share your personal information in accordance with the terms of TransUnion Interactive’s Privacy Statement. TransUnion Interactive’s privacy statement can be reached at the following link: https://membership.tui.transunion.com/tucm/support.page?panel=privacy.
Fair Credit Reporting Act
The Fair Credit Reporting Act allows you to obtain from each credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through our Site are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.
Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies. For more information visit the credit report section in the Learning Center, available from most pages of the Site.
You are entitled to receive a free copy of your credit report from a credit reporting agency if:
You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency.
You have been denied house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency.
You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
You certify in writing that you are a recipient of public welfare assistance.
You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.
In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.
The Fair Credit Reporting Act provides that you may dispute inaccurate or incomplete information in your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM TRANSUNION INTERACTIVE IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE THREE NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.
It may be the policies of Equifax, Experian and/or TransUnion to provide a complimentary copy of the consumer credit report under circumstances other than those described above. If you wish to contact Equifax, Experian or TransUnion to obtain a copy of your credit report directly from such agency or if you wish to dispute information contained in an Equifax, Experian or TransUnion credit report file, see the contact information and dispute process description contained in the Learning Center or from the inaccuracies tab on your credit report. The form of credit report and related disclosures provided directly by such agencies to you may differ from those provided by TransUnion Interactive.
TransUnion Interactive’s online credit report has been specially designed for consumer ease-of-use. Color illustrations, analysis information and helpful links on TransUnion Interactive’s credit report make it easy for you to understand and manage your credit.
The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Delaware, USA, and applicable federal law, without regard to any conflict of law provisions. TransUnion Interactive can provide credit reports only for individuals who have established credit in the United States. Those who choose to access three bureau products and services through this Site from outside the United States do so on their own initiative and are responsible for compliance with local laws. You agree that any and all disputes arising under this Agreement or out of TransUnion Interactive’s provision of three bureau products and services to you, if submitted to a court of law, shall be submitted to the state and federal courts of New Castle County, Delaware, USA.
Policy Regarding Children
We define children as individuals under the age of 16. The Site is not intended for the use of children and we do not intend to collect information about children through the Site. You must be at least 18 to access any three bureau products and services through this Site.
v1 - February 11th 2019
Who is CyberScout and what do we do?
This policy1only applies to all US based CyberScout entities including CyberScout LLC (US), CyberScout Claims LLC (US), and CyberScout Consulting LLC (US). All of the above companies shall be collectively referred to in this policy as “CyberScout.”
CyberScout provides identity management services including identity monitoring services and resolution of identity fraud and account takeover situations for consumers and individuals. Our services are provided on an institutional basis and are not available direct to the public, though members of the public can purchase services when referred to CyberScout by another company they are employed with or do business with refers them. This means that services are made available to the public and to you through insurance providers, financial institutions, employee benefits providers and other entities that have paid us to be able to refer individuals like you to CyberScout for assistance with your fraud or identity theft situation.
How Does CyberScout Approach Data Collection?
CyberScout's policies are to inform you any time we may be about to collect any personal information about you, regardless of whether it is online, in person or over the telephone. This means that any time you are asked to reveal personal information about yourself to CyberScout or to a CyberScout affiliate, we'll always do our best to inform you:
why we need to collect the information;
what we intend to do with it;
who, if anybody, we intend to share it with and why.
At that time, we will give you the option to either:
affirmatively consent to that collection of information and proceed with providing it to us for its intended purpose to redeem a service or product; or
stop what you are doing and discontinue providing us with that information at the risk that the relevant service or product may not be able to be provided to you.
What role do the U.S./E.U. Privacy Shield and U.S./Switzerland Privacy Shield programs play in CyberScout’s approach to privacy and data collection?
European Union/Swiss Residents and U.S.-E.U./U.S.-Swiss Privacy Shield details
CyberScout Chief Privacy Officer and Custodian of Personal Records (Records@CyberScout.com) or if you would rather send your inquiry or complaint via standard mail/post to the nearest CyberScout offices:
United States Mailing address: 7580 N Dobson Rd, Suite 201 Scottsdale, AZ 85256 USA
CyberScout has further committed to refer unresolved privacy complaints under the EU-US Privacy Shield and the Swiss-US Privacy Shield Principles to the BBB EU PRIVACY SHIELD, a non-profit alternative dispute resolution provider located in the United States and operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit www.bbb.org/EU-privacy-shield/for-eu-consumers/ for more information and to file a complaint. In certain circumstances you have a right to invoke binding arbitration before the Privacy Shield Panel as a last resort in resolving your issues.
What Kind of Personal Information Does CyberScout Collect?
In your relationship with CyberScout you are the Data Controller. CyberScout provides identity theft, fraud remediation, security breach notification, identity monitoring and other support services to individuals (hereinafter referred to collectively as ‘consumer services’) via their employer, insurance provider, financial institution or other third party business. CyberScout does not solicit business directly from any individuals as it is a business-to-business entity.
However, if you have been referred to CyberScout for any consumer services CyberScout may collect any relevant information needed to assist you with enrollment in services, fulfillment of identity monitoring or fraud remediation case management. The types of information we may collect to assist you may include but is not limited to: name; address; government issued ID numbers (Social Security Numbers, Social Insurance Numbers, National Insurance Number, Passport Number, etc.); compromised or fraudulent financial or other account information; tax information; or any other information necessary to assist you with the consumer services you have chosen to utilize through CyberScout.
Please note that any and all information collected is provided directly by you during interviews with a case manager or during the online or telephone enrollment process. The information provided by you to CyberScout may be used to help populate letters and fraud victim affidavits and documents provided to you to sign and execute accordingly. You are in control of any ‘sharing’ of this information with third parties by CyberScout. This sensitive and personal information in the form of letters and communications would be sent by you directly to law enforcement, fraud departments, collection agencies, regulators, attorneys and/or any other necessary third parties required to help resolve your fraud or identity theft situation.
CyberScout also provides special monitoring services including cyber monitoring and credit monitoring. These special monitoring services are provided to help you detect fraudulent activity on your personal accounts as well as track the use of your account information and personal information by fraudsters and criminals. In certain situations in order to sign up for these services you may be asked to provide certain personal information. This information is used to (1) verify your identity for security purposes and (2) for CyberScout to know what information you want us to monitor for fraud and other illicit uses. Examples of data you may want to monitor could include account numbers or government issued ID numbers. Any information being monitored by you would have to be provided by you to CyberScout.
CyberScout collects information from its employees in connection with our employer-employee relationship. This information is limited to information necessary to pay our employees, provide them with benefits and to comply with tax and other government reporting requirements applicable in each jurisdiction. For additional information on E.U. Employee data transfers and privacy please refer to the section in this policy with the heading “What are CyberScout’s Policies Regarding Transfer of E.U. Employee Data to the U.S.?”
CyberScout acknowledges the individual’s right to access their personal data. If you haven't provided us with information about yourself in the past, we don't have information about you. However, if you have provided information to CyberScout and would like to know what information we currently have about you, feel free to contact CyberScout's custodian of personal records to provide you with access to any information CyberScout has about you. In addition, should you note any inaccuracies in the information we have about you, you have a right to correct that information or to even have the information deleted.
CyberScout may be required to disclose an individual’s personal information in response to a lawful request by public authorities including but not limited to meeting national security or law enforcement requirements and/or requests.
Does CyberScout Share Personal Data with Third Parties?
In your relationship with CyberScout you are the Data Controller. You have full control of what information, if any you provide about yourself to CyberScout. However, in our efforts to service you CyberScout may utilize 3rd party vendors or agents and their solutions to provide you with certain services and support. While most services and the data collected in carrying out that service is managed in house by CyberScout, some services must be provided by outside vendors. These limited situations are when CyberScout is required to share data in order to help provide these services.
For instance if you were to be offered or provided any special monitoring services including cyber monitoring and/or credit monitoring which is available in both the U.S. and certain limited markets outside of the U.S., specific information such as that used (1) to verify your identity for security purposes and/or (2) specific information or data you may want to monitor including but not limited to account numbers or government issued ID numbers; that information would be shared with relevant CyberScout services vendors to provide you with this monitoring. CyberScout limits the purposes of this sharing with its vendors to providing the monitoring service they were contracted to provide. That data is not shared for marketing or resale purposes by our vendor(s) and any such activity would be a violation of CyberScout’s agreements with any such vendor(s).
CyberScout offers individuals an opportunity to opt-out of having their data shared with third parties by simply not signing up for monitoring and other services that, by definition, involve the sharing of personal information with third parties. Individuals are presented at time of sign up with the request for them to provide and submit this personal information to be verified and monitored as part of the service. The request is in response to them redeeming a service with the understanding that the basis for the services involves sharing of this information individuals can opt out of this sharing by simply not enrolling in these services.
CyberScout does not share or sell any of the personal information provided to CyberScout with any third party organizations for the purposes of marketing or further reselling of your data. Information is only shared if necessary to provide you services.
Category 1: Strictly necessary cookies. These cookies are essential to allow us to provide services that you have requested. Category 1 cookies used by CyberScout Websites: Login status – To identify you as being logged in to our website. Load balancing – Cookies may be used to distribute traffic across our web servers – to ensure that our websites perform well and give you the best possible experience. User subscription data – Subscription cookies allow us to ensure that you can access resources that you have registered for.
Category 3: Functionality cookies. These cookies allow us to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more relevant features. Category 3 cookies used by CyberScout websites: User preferences – Preference cookies remember settings you’ve applied to this site such as layout, default views, search filters. Login information – Login cookies may be used to communicate your login details across pages of this website. This data is encrypted and not shared with third parties. User profile data – Email addresses, address and contact information. CyberScout uses a third party solution to collect this information for CyberScout and CyberScout purposes only. The user profile data collected by CyberScout is collected by Marketo on CyberScout’s behalf and is provided directly to CyberScout. This data is not shared with third parties and is used to better provide additional services like newsletters and use of user specific online tools and resources.
What are CyberScout’s Policies Regarding Transfer of E.U. Employee Data to the U.S.?
CyberScout has employees that are citizens of European Union countries and respects the unique privacy and data protection rights those employees have under applicable national and E.U. laws and regulations. While CyberScout limits the HR data transferred about its E.U. based employees to the extent possible, some information must be shared between CyberScout’s European operations and CyberScout’s U.S. operations for those HR related functions that cannot be managed in their respective E.U. countries.
CyberScout’s participation in the U.S.-E.U. Privacy Shield Program, as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from E.U. member countries to companies in the United States, requires that CyberScout have in place appropriate independent recourse mechanisms (IRMs) for dispute resolution.
CyberScout has consented to work with applicable E.U. Data Protection Authorities (E.U. DPAs) to serve as an IRM for dispute resolution surrounding HR specific data transfer, data protection and privacy disputes. Therefore, should your concerns around the transfer or treatment of your personal HR data by CyberScout’s U.S. entity not be properly addressed by CyberScout’s HR staff or privacy staff, you have the right to access and utilize the E.U. DPAs’ Dispute resolution panel as your IRM for the dispute. CyberScout will adhere to the decisions of the E.U. DPAs’ Dispute resolution panel and IRM.
Where can I go for any additional questions or inquiries around CyberScout policies that have not been answered or provided here?
CyberScout does its best to provide clear and transparent information and policies around its privacy and data sharing practices. If you have additional questions not covered by this policy, please feel free to contact us for more information via E-mail at Records@CyberScout.com