Overview of PrivacyGuard
PrivacyGuard is a comprehensive suite of identity and cyber protection services designed to help users prevent, detect, and resolve identity and cyber threats. Here’s a detailed look at what the product does and its key features:
Core Functionality
PrivacyGuard’s primary function is to monitor and protect users’ personal and financial information. This includes monitoring credit scores and reports from the three major credit-reporting agencies: Experian, Equifax, and TransUnion. The service provides daily or monthly updates on credit scores and reports, ensuring users stay informed about their credit health.
Identity Monitoring
PrivacyGuard offers extensive identity monitoring features, including:
- Social Security Number Monitoring: Tracks and analyses public records and data sources to identify any fraudulent activity associated with users’ Social Security numbers.
- Dark Web Monitoring: Continuously scans black market websites for users’ personal information, such as Social Security numbers and up to 10 credit/debit cards.
- Public Records Monitoring: Monitors changes to public records, including criminal records, bankruptcy filings, and other relevant data.
- Driver’s Licenses and Passports: Monitors these documents for any unauthorized use.
- Bank Account and Credit/Debit Card Monitoring: Alerts users to any suspicious activity on their financial accounts.
Additional Protection Features
- Email, Phone, Name, and Birthday Monitoring: Tracks these personal details across the internet and public directories to prevent identity theft.
- USPS Address Changes: Notifies users of any changes to their mailing address.
- Identification/Application Verification: Alerts users if their identity is used in fraudulent activities or account takeovers.
Alert and Notification System
PrivacyGuard provides instant notifications via email or SMS for any detected suspicious activity, ensuring users are promptly informed and can take immediate action.
Comprehensive Plans
PrivacyGuard offers three main subscription plans:
- Identity Protection: Focuses on identity monitoring and recovery, without credit score or report features.
- Credit Protection: Concentrates on credit monitoring, including credit scores and reports.
- Total Protection: Combines both identity and credit monitoring, offering the most comprehensive protection, including up to $1 million in identity theft insurance.
Additional Services
- Stolen Wallet Protection: Helps users cancel and replace all cards in their wallet if it is stolen or lost.
- Medical Identity Fraud Protection: Monitors medical identification information and alerts users to any unauthorized use.
- Emergency Travel Assistance and Lost and Stolen Wallet Protection: Provides additional support for users during travel or in case of lost or stolen personal items.
- Annual Public Records Report: Compiles data from public sources such as real estate files, courts, criminal records, bankruptcies, mortgages, and judgments.
Security and Privacy
PrivacyGuard ensures robust security measures, including:
- Multi-Factor Authentication: Allows access to the app via fingerprint or face recognition.
- Encryption: Protects data both in transit and at rest.
- Compliance with Regulations: Adheres to strict standards such as PCI DSS and ISO/IEC 27001 to safeguard customer data.
In summary, PrivacyGuard is a robust identity and cyber protection service that offers a wide range of features to protect users’ personal and financial information, providing peace of mind through comprehensive monitoring, alert systems, and recovery assistance.