Effective Date: January 1, 2022
Identity Fraud, Inc. (“IFI” or “We”) is a unique and innovative privacy and security solutions company that operates as a licensed insurance intermediary in the USA. We are in the business of helping you protect your data by promoting prudent cyber and data theft risk management practices. IFI is committed to protecting your privacy and the privacy of its clients. This Privacy Notice describes how IFI collects, uses, and discloses personal information. This Notice applies to any personal information you provide and any personal information we collect from other parties, including your employer or sponsor.
IFI collects personal information when:
In the course of interacting with you or providing our products and services, including identity theft related resolution services, IFI may collect information from you or other sources, including your employer or sponsor, which may include the following:
We process personal information that is provided by you or our clients in order to perform our services. The processing of your personal information depends on the type of services we provide, applicable laws, regulatory guidance and professional standards. Where IFI processes your personal information on behalf of a client, such as your employer or sponsor, it is the client’s obligation to ensure that you understand that your personal information will be disclosed to IFI.
All processing of your personal information is justified under a “lawful basis” for processing, including the following:
IFI does not knowingly collect information from children who have not reached the age of consent under relevant data privacy laws. If we learn that we have collected personal information from a child who has not reached the age of consent, we will delete it immediately. We may, however, collect information about children that may be victims of identity theft or cyber related incidents and in an effort to provide a remedy for their incident.
As you navigate through and interact with IFI’s websites, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
The information IFI collects automatically is only statistical data that helps IFI improve its websites and deliver a better and more personalized service, including by enabling IFI to:
The technologies IFI uses for this automatic data collection may include:
IFI does not collect personal information automatically, but it may tie this information to personal information about you that it collects from other sources or that you provide to IFI.
IFI collects and processes personal information in connection with providing its clients with various services, each of which may be subject to minimum or maximum retention periods, as required by law or IFI’s Record Retention Policy.
IFI also maintains personal information supplied by former clients, and IFI also manages this information in accordance with its Record Retention Policy.
We may share your personal information with IFI’s subsidiaries and affiliates as part of the process of providing services to you or to fulfill the purpose for which you provided it. We may also share your personal information with contractors, service providers, and other third parties that you or IFI has engaged to perform services for you or to otherwise support IFI’s business operations. For example, we may disclosure your information to our and your insurer in the event of an insurance claim. These third parties are contractually bound to keep personal information confidential and use it only for the purposes for which IFI discloses it to them.
IFI may also disclose your personal information to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of IFI’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by IFI is among the assets transferred.
IFI may also disclose your personal information to comply with any court order, law, or legal process, including to respond to any government or regulatory request, to enforce or apply our Terms of Use, or if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of IFI or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection.
You may be a victim of identity theft or experience a cyber related incident anywhere in the world. For certain services offered by IFI, personal information may be transferred outside of IFI or to third parties that may operate outside of the United States, the United Kingdom, or the European Union. Personal information may be transferred, processed, or stored in countries that are not regarded as ensuring an adequate level of protection for personal information under European or other international or local law. When personal information is transferred to those countries, we put in place standard contractual clauses and other safeguards to help ensure your personal information is protected. For more information about the safeguards we have put in place, please contact us.
IFI protects personal information using physical, electronic, and procedural safeguards that are specifically designed to meet or exceed the requirements of applicable laws. All IFI employees receive training on the importance of protecting personal information, and only authorized employees have access to personal information. Subcontractors and agents are contractually bound to maintain protection of personal information and are not permitted to use the information for any unauthorized purpose.
You have certain rights related to the processing of your personal information, including.
Individuals within the European Union and California residents may have additional personal information rights and choices. Please see Your Rights under GDPR and Additional Information for California Residents for more information.
The General Data Protection Regulation (“GDPR”) affords certain rights to individuals in the European Union. Specifically, individuals in the European Union are entitled to the following:
The right to be informed – You have the right to know what personal information IFI processes, how it processes that personal information, and who else may have access to your personal information.
The right to access – You have the right to request that IFI provide you with a copy of your personal information held by IFI. IFI may charge you a small fee for this service.
The right to rectification – You have the right to request that IFI correct any information you believe is inaccurate. You also have the right to request that IFI complete any information you believe is incomplete.
The right to erasure – You have the right to request that IFI erase your personal information, under certain conditions.
The right to restrict processing – You have the right to request that IFI restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to IFI’s processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that IFI transfer the personal information that it has collected about you to another organization, or directly to you, under certain conditions.
If you make any such request, IFI has one month to respond to you. If you would like to exercise any of these rights, please contact IFI by email at memberservices@identityfraud.com or by mail at IFI Corporate Headquarters as follows: Attention: Privacy Officer, Identity Fraud, Inc., 1990 N California Blvd, FL 8, Walnut Creek, CA 94596.
International Data Transfers – IFI may transfer personal information it has collected from you or about you outside of the European Economic Area (“EEA”). Please be aware that countries outside of the EEA may not have the same level of data protection as your country.
Under California’s “Shine the Light” law, you have the right to request and obtain from us once a year an account of your Personal Information we disclosed to third parties for direct marketing purposes. You will receive a notice that will include the categories of Personal Information that was shared (if any) and the names and addresses of all third parties with which the information was shared (if any). IFI does not use technology that accommodates do-not-track signals from your browser. If you are a California Resident and would like to make a request, please contact us via email at memberservices@identityfraud.com.
The California Consumer Privacy Act of 2018 (the “CCPA”) provides California residents with rights to receive certain disclosures regarding the collection, use, and sharing of “Personal Information,” as well as rights to access, delete, and restrict the sale of Personal Information that IFI may collect about its clients, customers, or visitors to its websites. The CCPA defines “Personal Information” as “information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.” Personal Information does not include deidentified or aggregated consumer information. If you are a California resident, you have a right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.
In the 12-months preceding the date the information in this section was last updated, IFI has collected the following categories of Personal Information about consumers, as defined by the CCPA: Identifiers (such as name, postal address, and Internet Protocol (IP) address); Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)); Customer Records Information (such as name, address, and credit card or debit card number); Protected classification characteristics under California or federal law; Internet or Other Electronic Network Activity Information (such as information regarding a consumer’s interaction with our website); and Professional or Employment-Related Information.
IFI obtains these categories of information from you and from our clients to whom we provide services.
In the 12-months preceding the date the information in this section was last updated, IFI has disclosed the following categories of Personal Information about consumers for a business purpose, as defined by the CCPA: Identifiers (such as name, postal address, and Internet Protocol (IP) address); Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)); Customer Records Information (such as name, address, and credit card or debit card number); Protected classification characteristics under California or federal law; Internet or Other Electronic Network Activity Information (such as information regarding a consumer’s interaction with our website); and Professional or Employment-Related Information.
We disclose the categories of personal information listed above to our service providers in connection with the products and services we provide to our customers. We also disclose the categories of personal information listed above to obtain quotes or proposals or to underwrite insurance.
We may use or disclose the personal information we collect to:
IFI does not sell Personal Information as defined under the CCPA and will not do so in the future without providing you with notice and an opportunity to opt-out of such sale as required by law. Please note that your right to opt out does not apply to IFI’s sharing of data with service providers, with whom IFI works and who are required to use the data only to perform the services they provide to IFI.
California residents have the right to request that IFI disclose what Personal Information it collects, uses, and sells, as well as the right to request that IFI delete certain Personal Information that it has collected from you. Once IFI receives and confirms your verifiable request, it will disclose to you, based on the nature of your request: the categories of Personal Information it has collected about you; the categories of sources for the Personal Information it has collected about you; IFI’s business or commercial purpose for collecting that information; the categories of third parties with whom it shares that information; and/or, at your request, the specific pieces of Personal Information IFI collected about you.
IFI may deny your request to delete your Personal Information if retaining the information is necessary for IFI or its service provider(s) to:
If IFI denies your request, it will provide you with an explanation of our reason(s) for doing so.
You may contact IFI using the contact information in the Questions and Complaints section below. An agent may submit a request on your behalf, but you must verify that your agent is authorized to do so.
IFI allows you to send an email request or query regarding IFI employment opportunities to our human resources team at hr@identityfraud.com. Applications and other materials submitted through email may or may not be processed by IFI in a timely fashion. By submitting a request or query through email, you consent to the processing of your personal information.
This Privacy Notice describes the data privacy and protection policies of IFI.
In addition, identityfraud.com and our related subsites and cobranded sites may contain links to other websites. This Privacy Notice only addresses your information that is received by IFI. You are encouraged to review the privacy policies of each website you visit.
This Notice may be changed at any time. Unless stated otherwise, all changes that occur will become effective immediately. The date the privacy policy was last revised is identified at the top of the page. By continuing to access IFI websites, you agree to accept all terms and conditions outlined in this Notice.
If you have any questions or complaints about this Notice, or about our data privacy or security policies in general you may email your comments to memberservices@identityfraud.com or contact us by mail at IFI Corporate Headquarters as follows: Attention: Privacy Officer, Identity Fraud, Inc., 1990 California Blvd, FL 8, Walnut Creek, California 94596, or by telephone at 1- 866-443-3728 (866-4-IDFRAUD).
