Last revised 7/14/2020
The Site combines multiple layers of protection and goes beyond basic credit monitoring for identity defense. The Site offers comprehensive protection that reviews your credit and non-credit identity records in order to protect your identity.
- WHAT INFORMATION DOES THE SITE COLLECT AND WHY?
The information you provide will be used solely for the purpose of providing you with the products and services you have requested and for administering AlwaysChecking to you, for internal business purposes, product or service development, product and service improvement, and/or statistical analysis.
The Site may collect personal information from which you can be identified, such as your name, date of birth, postal and e-mail address, phone number, national identifier or social security number (as applicable) and credit card details.
This data will be used to access and monitor various data sets that you request it to monitor as part of your identity protection service and for the prevention and detection of fraud. When you close your account, this information about you may continue to be shared in accordance with legal and regulatory requirements.
In some instances, the Site may ask information from you about others (such as your child’s information) and will only use that information for the specific reason for which it was provided.
- WILL YOUR INFORMATION BE DISCLOSED OR SHARED?
In order for the Site to provide you with identity protection services and for the prevention and detection of fraud, your personal information will be shared with third parties who perform services on our behalf. These companies are authorized to use your personal information only as necessary to provide these services. Depending on the service you have requested, your name, e-mail address, national identifier or social security number (as applicable), income, account balances, payment history and credit history from credit bureaus may be shared. The Site will only disclose to us that you are using the service and will not share with us any information that you provide to the Site.
In certain situations, your personal data may be required to be disclosed in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
As may be required by law, your personal information may also be disclosed, for example, to comply with a subpoena, or similar legal process, when there is a good faith belief that the disclosure is necessary to protect our (or our service providers’) rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
In addition, in the event of a merger, acquisition, or any form of sale of the Site, or some or all of CSID’s assets to a third party, your personal information may be disclosed to the third parties concerned or their professional advisors. In the event of such a transaction, the personal information held by the Site may be among the assets transferred to the buyer so that the buyer may continue providing the AlwaysChecking service.
- IS YOUR INFORMATION SECURE?
The Site has appropriate physical, technical and organizational measures in place to protect your data that comply with relevant legal and best practice requirements. When you enter sensitive information (such as a credit card, social security number or login credentials) as part of the enrollment process, the Site encrypts the transmission of that information using secure socket layer technology (SSL).
When you submit information to the Site, you should be aware that your information is transmitted across the Internet and that no method of transmission over the Internet is 100% secure. Although the Site takes reasonable security measures to protect your information when received, you also need to ensure you take appropriate steps to protect your information.
- INFORMATION RELATED TO DATA COLLECTED FOR PEOPLE’S UNITED
The Site may transfer to us certain of your personal information required to identify you as a user of the AlwaysChecking service. As described above, the Site may also transfer your personal information to third parties who perform the services on our or the Site’s behalf or help provide the AlwaysChecking service. If you would no longer like to be contacted by us, please contact us directly.
An individual who seeks access, or who seeks to correct, amend, or delete enrollment data on the Site should direct his or her query to us, who will request that our service provider edit that enrollment data on the Site.
The Site, and the third parties engaged to perform analytics services, automatically collect certain general information when you access the Site, via Cookies, Log Files, Web Beacons, and other tracking technologies (the “Tracking Technologies”). These Tracking Technologies are used to administer and improve the Site and the content on it, including to track user movements around the Site, to gather usage information and statistics about how the Site is used, to permit users to log in or enroll in services, to store user preferences, and to customize content. Cookies are not used for marketing or advertising purposes.
Information automatically collected from you may be combined with other information collected about you to improve services offered to you, to improve, analytics, or website functionality, and to develop new products and services. The following are some examples of information that may be collected:
- AlwaysChecking web site pages you view
- AlwaysChecking emails that you open or forward
- AlwaysChecking links you click on
- AlwaysChecking forms you complete
In connection with the use of the Site, for example during the enrollment process or upon log into the website portal, information about your computer, such as the device ID and other accompanying technical attributes and characteristics, may be accessed, retained and used solely to analyze trends, track users’ movements on the web site, and to gather demographic information about the user base as a whole. If you access the Site through a mobile device, information about your device may also be collected, such as the device ID or another identifier as permitted by the manufacturer.
Our service provider, and the third parties engaged to perform analytics services, use both session ID cookies and persistent cookies. Specifically, the Site uses session-based cookies in order to track internal metrics of site usage. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. Persistent cookies also enable the Site to track and target the interests of users to enhance the experience on the Site. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, this may prevent you from taking full advantage of the website.
As is true of most websites, the Site gathers certain information automatically and stores it in log files. This information may include Internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. The Site does not link this automatically collected data to other information collected about you.
Third parties with whom our service provider partners to provide certain features on the Site also use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5.
People's United Bank
850 Main Street
Bridgeport, CT 06604
You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute, but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.
*VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes.
**The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.