Sunday, August 2, 2015

Opt Outs to Protect Your Privacy - Opt Out!!

World Privacy Forum’s Top Ten Opt Outs:

https://www.worldprivacyforum.org/2013/08/consumer-tips-top-ten-opt-outs

Top ten opt outs:

1. National Do Not Call Registry

2. Prescreened offers of credit & insurance

3. DMA opt outs

4. Financial institution opt outs

5. CAN SPAM

6. Credit freeze

7. FERPA

8. Data broker opt outs

9. Internet portal opt outs

10. Advertising opt outs, including RapLeaf & NAI

 -----------------------------

1. National Do Not Call Registry

What it does:

The National Do Not Call Registry is a national list of phone numbers that telemarketers aren't supposed to call.

If you put your home phone number on this list, telemarketers aren't supposed to call you. The Federal Trade Commission manages the Do Not Call Registry. Home & mobile numbers can be on the Do Not Call list, but you can’t opt out a phone at your place of business (unless you work from home using your home phone number.) Also, Do Not Call opt out doesn't stop you from being called by anyone you've done business with in last 18 months. If you make an inquiry of a merchant, the merchant can call you for 6 months. Charities & politicians aren't covered by Do Not Call list rules.

Under DNC rules, telemarketers are required to give consumers an easy & interactive way to opt out of pre-recorded telemarketing calls, for example, an opt out through a voice command or a keypress. If telemarketing calls are left on an answering machine, pre-recorded message must contain a toll-free number that allows you to call the number & opt out immediately. Any types of telemarketing calls already subject to Federal Trade Commission’s rules for telemarketers are subject to new amendments. HIPAA-covered businesses, like doctors & hospitals, are still exempt, as are political calls, & some calls made by banks or telephone companies. Even if you have an established relationship with a business, if they leave you a pre-recorded message, they have to offer you an opt out, as long as they aren't exempt from rules.

How to opt out:

You can get on Do Not Call List by phone (call from number you want to get opted out) or you can sign up online. We prefer phone opt out, not online service. To opt out online you must provide an email address for verification, & your email address will be kept & can be shared with other federal, state, or local agencies “for any regulatory, compliance, or law enforcement purpose.”
  • Opt out by phone: Call 1-888-382-1222
  • Opt out online: https://www.donotcall.gov/default.aspx
  • To opt out of pre-recorded telemarketing calls from companies who already have a business relationship with you, you should be able to activate a voice or keypress command to opt out. If  pre-recorded telemarketing call is left on a voice mail service or machine, the message should include a toll-free number to call where you can then use an automated system to opt out immediately.

More about Do Not Call List:

See FTC info page:
http://www.ftc.gov/donotcall
See FTC page on prerecorded telemarketing calls:
http://www.ftc.gov/opa/2008/12/tsramendments.shtm

2. Opt out of prescreened offers of credit & insurance (5 years or permanently, at your choice)

What it does:

Opting out of prescreened offers will stop you from receiving offers for credit & insurance.
Prescreened (sometimes also called “preapproved” or “prequalified”) offers come in one of 2 ways from credit reporting files maintained by credit bureaus:
  1. A creditor or insurer may ask a credit bureau for a list of consumers who meet certain criteria, for example, a minimum credit score.
  2. A creditor or insurer may submit a list of names to a credit bureau to screen for consumers who meet certain criteria.
The result of opt out is that you will not receive prescreened credit card or insurance offers. Many of these offers come in mail. If you don't want these offers, or if you're concerned about someone else picking up your prescreened offers, you may want to opt out. If you do want offers or don’t receive many, you may not find this opt out important.

How to opt out:

(Note: you will be asked to give your Social Security Number to complete this opt-out.)
  • Opt out by Phone: 1-888-5OptOut (1-888-567-8688). This is an automated phone system. You will have 3 choices: you can remove your name for 5 years, add your name back in, or permanently remove your name. When you call in, you will be asked to verify & provide some information such as your name & home phone number. You'll also be asked for your Social Security Number.
  • Opt out online: https://www.optoutprescreen.com/?rf=t Note: If you've previously opted out of pre-screened offers, you can also opt back in through this web site.

More about opting out of pre-screened offers of credit:

See FTC Privacy Choices for your Financial Information:
http://www.consumer.ftc.gov/articles/0222-privacy-choices-your-personal-financial-information
See FTC Prescreened Offers of Credit & Insurance page:
http://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers
See FDIC Financial Privacy page:
http://www.fdic.gov/consumers/privacy/faqs/index.html
See Privacy Rights Clearinghouse:
http://www.privacyrights.org/ar/FTC-OptOutPrescreen.htm

3. Direct Marketing Association Opt out Services (DMA opt outs)

What it does:

The DMA is largest U.S. association of marketers – invoking DMA opt outs can diminish receiving marketing mail & catalogs.
Only businesses that are members of the DMA will comply with an opt out request through the DMA programs. The DMA offers several flavors of opt outs. It offers a Mail Preference Service opt out, an email list opt out, & an opt out that lets you remove names of deceased people from mailing lists. The Mail Preference Service shouldn't affect your receipt of mail & catalogs from companies that you already do business with.

How to opt out:

You can opt out of DMA lists by visiting DMA web site. One of lists requires a $1.00 fee if you mail in the opt out via postal mail.
  • Mail Preference Service, usable by anyone. This service is called EDDM, or every door direct mail opt out, & US Postal Service & DMA have worked together to create this service. This opt out reduces mail such as catalogs, etc. It also gets your name off of some prospect mailing lists. Online form: https://www.dmachoice.org/register.php. Opting out is free if you opt out online. You can opt out via postal mail for $1.00.
  • DMA Email List Opt out. This list will get you off of some mailing lists & may help reduce some unwanted commercial email. Online form: https://www.dmachoice.org/index.php#  Good for 5 years. This list will not act as a total cure for spam.
  • Deceased Do Not Contact List. By signing up for this list, you'll remove names of deceased individuals from marketing lists. Online form:https://www.ims-dm.com/cgi/ddnc_form.php.There is no fee for list, but you'll be asked for a credit card number to verify your identity.
  • DMA Do Not Contact Service for Caregivers: For those seeking to remove names of individuals in their care from commercial marketing lists. Online form:https://www.ims-dm.com/cgi/dncc.php.

More about DMA opt outs:

If you opted out & are still getting mail or email from DMA members, you can file a complaint with  DMA by emailing them at privacypromise@the-dma.org. However, remember that it can sometimes take one month or more until putting in an opt out will have an effect, depending on type of list. Be patient.
See information about all DMA lists:
https://www.dmachoice.org/static/learn_more.php
See Information about US Postal Service & DMA mailing opt out list, detailed:
http://postandparcel.info/50011/news/companies/opt-out-tool-launched-for-usps-simplified-direct-mail-service

4. Bank/Financial Institutions opt out (This section applies to banks, credit card companies, brokerage firms, insurance companies, & other financial institutions.)

What it does:

If you opt out, you limit extent to which a financial institution can provide your personal financial information to non-affiliates.
The financial institution opt outs are among most important to understand, but they can also be challenging to understand. If you don’t opt out, assumption is that financial institution can share your data in some circumstances. To quote from FDIC:
Unless you opt out, your financial company can provide your personal financial information (for example, information on kinds of stores you shop at, how much you borrow, your account balances, or dollar value of your assets) to non-affiliates for marketing & other purposes. (FDIC Privacy Choices page, http://www.fdic.gov/consumers/privacy/privacychoices/index.html#yourright)
A non-affiliate is generally defined as a company that is unrelated to your financial company. The FDIC notes that a non-affiliate may include “Service providers …., joint marketers–companies that have an agreement with your financial company to offer you other financial products or services, or other third-party non-affiliates–which could include companies that may want access to your financial company’s mailing list to tell you about other products & services.” (FDIC Privacy Choices page.)
There is a great degree of variability between financial institutions. Some don't share customer information with non-affiliates, so they don't offer an opt out. Some take an extra step & offer customers ability to opt out of both unaffiliated & affiliated marketing. Because type of available opt outs vary from institution to institution, you'll need to read privacy notice closely. Financial institutions are required to provide privacy notices. These notices can sometimes be difficult to understand. The opt outs are controlled in part by Gramm-Leach-Bliley Act, a federal law that provides some privacy protections for customers of financial institutions.

How to opt out:

You may have received a privacy notice in mail from your bank or other financial institution. If you missed it, simply ask for a copy of  company’s privacy notice. They're required to have one. The privacy notice may also be posted on financial institution’s web site. Read notice closely, & follow company’s directions for opting out. You can opt out at any time. By law, you're required to opt out in way financial institution determines you should, whether by letter or phone or online. We haven't listed all financial institutions here, just some of largest.
  • Citibank: Opt out by phone: 1-888-214-0017  The Citi menu will prompt you through your choices. No affiliate online opt out found. To see privacy notice, go to https://online.citibank.com/US/JRS/portal/template.do?ID=Privacy & click on Citi bank consumer privacy notice for more information. Note: The Citi privacy policy will allow you to opt out of online marketing & cookies. But this opt out isn't same as affiliate opt out.

More about financial institution opt outs:

See FDIC’s Your Rights To Financial Privacy Page, includes information about opt outs:
http://www.fdic.gov/consumers/privacy/yourrights/index.html
See FTC’s Privacy Choices for your Personal Financial Information:
http://www.consumer.ftc.gov/articles/0222-privacy-choices-your-personal-financial-information
See FDIC’s Privacy Choices page, this page has an excellent section on opt out:
http://www.fdic.gov/consumers/privacy/privacychoices/index.html#yourright
See FDIC’s Financial Privacy Page FAQ:
http://www.fdic.gov/consumers/privacy/faqs/index.html
See Privacy Rights Clearinghouse How to Read Opt Out Notices page:
http://www.privacyrights.org/fs/fs24a-optout.htm.

5. Use the CAN-SPAM Opt out

What it does:

The federal CAN-SPAM Act requires that a commercial emailer give each email recipient an opt out method.
A commercial emailer must provide a return email address or another Internet-based response mechanism that allows a recipient to ask emailer not to send future email messages to recipient’s email address. The law requires that commercial email be identified as an advertisement & include  sender’s valid physical postal address. The message must contain a clear & conspicuous notice that message is an advertisement or solicitation & that recipient can opt out of receiving more commercial email. It also must include a valid physical postal address.
The federal spam law doesn’t work very well to deter most spam. However, any legitimate company using email for advertising is likely to comply. If you receive an email from someone you recognize as a legitimate company & it has an opt out, you can stop that company from emailing you again. This is a very powerful tool because it flatly prohibits more commercial email from that sender to your email address.

How to opt out:

Check to make sure email is a CAN-SPAM compliant email. Some emails offer opt outs, but opt outs are fake. How to tell difference?
  • First, a CAN-SPAM compliant email will be labeled as an advertisement.
  • Second, it will include a valid postal address for sender.
  • Third, it will include a workable opt out link of some type.
If all 3 elements are present in e email, then there is at least a chance thate opt out is offered in good faith. You have to use your own judgment about each email. Transactional emails are not required to offer an opt out. For example, if you place an online order with an Internet merchant, message confirming your order, informing you of shipping date, etc., need not offer an opt out. But if you get a message a month later announcing a sale, that commercial email should include an opt out.

More information about CAN SPAM:

See FTC CAN SPAM resource mini-site:
http://www.ftc.gov/spam

6. Credit Freeze (also Security Freeze)

What it does:

A credit freeze (sometimes called a security freeze) lets you stop disclosure of your credit report by a credit bureau.
The result of a credit freeze should be that neither you nor anyone else can open a new credit account in your name. (A freeze will not stop your existing credit cards from working.) A credit freeze can also prevent insurance companies or employers from obtaining your credit data. That’s why if you're actively seeking new employment or insurance, you may want to think carefully about enacting a credit freeze unless you're currently a victim of identity theft.
The credit freeze is widely considered by consumer & privacy advocates as a potent measure to prevent some forms of identity theft. A credit freeze can be especially helpful to individuals who are having persistent problems with identity theft. Credit freeze isn't for everyone, & not everyone has right at this point to set a credit freeze.
The way a credit freeze works is that access to your consumer credit report & your credit score are locked when you put a freeze on files. A lender or merchant will normally not issue new credit if it can't access your credit report or score. The benefit of a freeze is that you can stop thieves from getting credit in your name. The downside is that you're also stopped from getting credit unless you “thaw” the freeze. You can unlock your security freeze by using a PIN to unlock access to credit file. Some states require “thaw” to take no longer than 15 minutes. Some allow longer times.
The ability to freeze your credit is available nationwide through credit reporting bureaus. There is some variability in cost & details state-by-state due to variance in state law. (For information about which states have a freeze law, see “More about credit freeze” below.)

How to opt out:

Here are 2 ways to find out how to opt out for your state:
1. The World Privacy Forum’s Credit Freeze page has a list of states that either have a credit freeze law, or have passed a law. Each state links to official state information page about how to place a credit freeze, or to another information source for that state. Many of official state information pages are excellent, & provide tips & sample letters. Even if you aren't in a state with a law, as of Nov. 1, 2007, you can still set a security freeze.
http://www.worldprivacyforum.org/credit-freeze
2. Consumer’s Union has an excellent & frequently updated page on all current state freeze laws & requirements, with a link on how to opt out for each state & sample letters.
http://consumersunion.org/research/consumers-unions-guide-to-security-freeze-protection

More about credit freeze:

See the FTC Credit Freeze page:
http://www.consumer.ftc.gov/articles/0279-extended-fraud-alerts-and-credit-freezes
See Consumer’s Union frequently updated page on all current state freeze laws & requirements, with a link on how to opt out for each state & sample letters.
http://consumersunion.org/research/consumers-unions-guide-to-security-freeze-protection
See the PIRG state freeze page:
http://www.pirg.org/consumer/credit/statelaws.htm Links to the state laws.
See California Office of Privacy Protection. Even if you don’t live in California, this is an excellent page to learn more about how credit freeze works. If you're a California resident, you'll find sample letters ready for you to print out.
http://oag.ca.gov/idtheft/facts/freeze-your-credit

7. FERPA opt out (students)

What it does:

The FERPA opt out stops schools from releasing student directory information (Name, home address, date of birth, & other information) without consent, with some limitations.
FERPA stands for Family Educational Rights & Privacy Act. If you're a K-12 student or a college student, or parent or guardian of a student under 18, you should know about FERPA opt out. While some parts of school records may be given out only with written consent, schools still have the right to give out what is called “directory information” without student consent, including potentially giving information out overe phone.
Directory information includes student’s name, school & permanent address, school & permanent home telephone number, school mail box address, major, dates of attendance, degree(s) received & dates of conferral, & other personally identifying information. There is some variability; some schools also consider weight & height of athletes, school email address, & participation in officially recognized activities to be directory information.
If there is a FERPA opt out form on file for student, the student can prevent public disclosure of his or her directory information. Then, only legitimate employers or law enforcement professionals or others with a legitimate interest should be able to access that sensitive directory information. Victims of domestic violence may find filing a FERPA opt out to be crucial to them.

How to opt out:

FERPA opt outs are often done with a FERPA form supplied by school. Usually school records offices will have FERPA information for you, or will know where to send you to find that information. Colleges & some other schools may post form online. For students under 18, parents have to sign FERPA forms. This will limit how students’ home address & other directory information can be released.
If you search the web for “FERPA” plus the name of your school, you may find detailed information about how to file a FERPA opt out for your school available online. FERPA opt outs may also be called “Restriction of Directory Information” at some schools. The US Department of Education has a good FERPA opt out sheet available for parents here: http://www2.ed.gov/policy/gen/guid/fpco/brochures/parents.html

More about FERPA opt outs:

See U.S. Department of Education’s FERPA site:
http://www.ed.gov/policy/gen/guid/fpco/ferpa/index.html
You can find more information about FERPA here, & you can find information about filing a complaint if you've opted out of FERPA & you believe school violated opt out.
See World Privacy Forum FERPA tips for jobseekers:
http://www.worldprivacyforum.org/2004/08/consumer-tips-resume-database-information
Scroll to tip #8.8. Data Broker opt outs

What it does:

Some commercial data brokers allow some categories of consumers to opt out of some limited uses & disclosures of personal information.
Commercial data brokers acquire, purchase, accumulate, & sell information about consumers. Many data brokers have large data files with some information on most Americans. The data brokers have multiple lines of business that use consumer data in different ways. Data brokers offer some very limited opt outs, & not all data brokers offer opt outs. If you're a victim of identity theft, a law enforcement professional, or a victim of domestic violence, opt outs may be important for you. Opt out policies can be challenging to find on the data broker sites. If these links below are stale,  let us know & we'll locate the new links for you.
We've mixed views on data broker opt outs. On one hand, we think that a consumer who opts out does a good thing by exercising those few options that are available. Each consumer opting out helps to preserve opt outs for all consumers. However, data broker opt outs are generally quite limited, & it is nearly impossible to tell just what effect an opt out will actually have. When you read  opt out offerings carefully, you'll see that they're often qualified. Consumers who are victims of identity thieves, victims of domestic violence, public officials, & others may have greatest interest in seeking what opt out options are available.

How to opt out:

Note: of data brokers in this list, Acxiom & Lexis Nexis are largest. If you're an identity theft victim, a law enforcement professional, or have a strong safety need to opt out of data broker databases, start with these companies first.
  • LexisNexis also permits certain individuals to opt-out of KnowX®, & Accurint®, 2 very powerful information databases. Public & elected officials, law enforcement officers (some cases) & private individuals who are victims of identity theft or who face a substantial risk of physical harm may opt out. Law enforcement officials will still have access to information in  Accurint databases. To learn more, see  http://www.lexisnexis.com/privacy/for-consumers/opt-out-of-lexisnexis.aspx.We note that this is one of the more challenging data broker opt outs. Here is what Lexis/Nexis says about this particular opt out:”This opt-out policy only applies to personal information that is available through LexisNexis-owned databases. Please note opting-out of our databases will not prevent other companies or public record agencies from collecting or disseminating your personal information.
The bases under which LexisNexis policy allows such an opt-out – in addition to any opt-outs required by law – are following: Public & elected officials, including law enforcement officers, may request to opt-out in cases where official is on a high-profile assignment, or under threat of death or serious bodily harm or in cases where opt-out opportunities are required by law.
Private individuals who are facing a substantial risk of physical harm or who are victims of identity theft may request to opt-out of having personal information about themselves made available through KnowX® & having personal information about themselves made available to subscribers to our Accurint® product (other than disclosures that may be made to our law enforcement subscribers). Individuals who request to opt-out for these reasons may submit their requests online or by mail.”
  • Intelius: To opt out online, go to https://www.intelius.com/optout.php. Intelius directs consumers to attach verification information, & provides step-by-step instructions. Fax a copy of your identification to (425) 974-6194
    Or Mail a copy of your identification to
    Intelius Consumer Affairs
    P.O. Box 4145
    Bellevue, WA 98009-4145
  • Details from Intelius:
    “The quickest & simplest way to have your information removed from our website is to send us a request online. You can also submit an opt-out request via fax or postal mail. Regardless of which method you choose, in order for us to suppress your personal information from appearing on our website, we need to verify your identity. To do this, we need proof of identity, consisting of either:
    a copy of a government-issued ID with any photo or ID number crossed out. Examples: driver’s license, U.S. passport, U.S. military ID card, state-issued ID card, or employee ID card from a state agency, or a notarized Identity Verification Form.
    We will only use this information to process your opt out request.
    If you opt-out online, be sure to include your email address so that we can notify you both when your request is received & when we’ve completed your opt out. http://www.intelius.com/privacy.php
  • US Search Profile Opt Out:  To opt out online, visit http://www.ussearch.com/privacylock. You will need to find the exact record or records you want suppressed & follow the instruction prompts on screen. You'll also need to have a state-issued ID or driver’s license to prove your identity. US Search doesn't offer opt outs via phone or email.
  • Mail: US SEARCH
    Privacy Officer
    PO BOX 4145
    Bellevue, WA 98009-4145
  • email address: cservice@USSearch.com or call (877) 340-0211 for assistance. 

More about data broker opt outs:

See WPF’s Data Broker Opt Out List 
See Privacy Rights Clearinghouse Info Brokers Opt Out page: http://www.privacyrights.org/ar/infobrokers-optout.htm
See CDT Opt Out Site: http://optout.cdt.org The CDT Opt out site was last updated in 2002, but it is still useful.

9. Internet & Social Media Opt Outs

What it does:

Some large online & social media sites allow a variety of opt outs. These opt outs can have varying effects, for example, some opt outs spare you from receiving unwanted email, other opt outs offer you ability to make posts private. The opt outs vary from simple to complex. We don’t take space to go into details about each opt out. Here, we point you in right direction & encourage exploration. The sites listed here offer plentiful options for opting out.

How to opt out:

We don’t take space here to go into details about each opt out. Some of sites offer complex opt outs which would require a lot of explanation. Here, we point you in right direction & encourage exploration. The sites listed here offer plentiful options for opting out.  The type of opt-out varies widely by service provider, & we recommend that you spend time familiarizing yourself with the opt outs available at each. The links below will lead you to more information about opt outs available.
  • Google: Click on Google’s privacy policy link at https://www.google.com/policies/?hl=en-US. From there, click on Google Account Settings to view & explore your opt-out options at the Google Dashboard. The video instructions are here, & are readily available via YouTube.  You'll need to have an account to view your Account Settings. You can also click on Account Editor to shape how your Google Profile will appear to others here. Note: If you don't have an account, you can click on Ad Settings to explore your choices for opting out & settings.
  • Twitter: You need to have an account to use privacy tools. In your Twitter account, click –> Edit Profile –>  Security & Privacy. The most important privacy settings for determining whether a tweet will be made public or not are located in privacy section. See screen shot below.
Screen Shot 2013-09-26 at 6.16.41 PM



Screenshot of Twitter privacy settings, (Sept. 26 2013.)
  • Facebook: You'll need to have a Facebook account to use privacy tools. In Facebook, go to Account –> privacy settings. In Privacy Settings, you'll see a series of options & choices for privacy preferences. These choices change from time to time, & they're complex. Take your time, read carefully, & ask questions. WPF has a series of Facebook Privacy Guides available here.
  • Ebay: After you've signed in to your Ebay account, you can make choices by finding  Preferences link under My Account.
  • Yahoo: Sign in to your Yahoo account & look for Options Link. Click on that link & then click on YAHOO! Delivers. You can then select or unselect what types of advertising email that you want by checking or unchecking boxes with descriptions. Note: if you don’t uncheck boxes, all boxes will be automatically selected, so watch this closely.

More about Internet portal opt outs:

We encourage you to read privacy policies of web portals. The opt outs can make a difference, & one of best ways to find out about opt outs that are available to you is to read privacy policy for that web site.

10. Online Advertising opt outs
Advertising opt outs refer primarily to advertising that is sent to you based on information collected online about you. This kind of advertising is called “targeted” or personalized advertising. Some of this advertising is controversial because it can be based on information consumers didn't realize was being collected about them for future use. While there are many potential places to opt out, we've selected 2 key opt outs, RapLeaf, & NAI.

RapLeaf Opt out

What it does:

RapLeaf builds detailed dossiers on consumers tied to their email addresses. The information is scraped from social networking sites like Facebook & combined with public record data, like voting records. RapLeaf dossiers have been used in political campaigns & by other businesses. RapLeaf states its opt out will delete you entirely from their system.
The privacy risks associated with RapLeaf profiles became highly visible through an October, 2010 Wall Street Journal expose of company. According to WSJ,
“Data gathered & sold by RapLeaf can be very specific. According to documents reviewed by Journal, RapLeaf’s segments recently included a person’s household income range, age range, political leaning, & gender & age of children in household, as well as interests in topics including religion, the Bible, gambling, tobacco, adult entertainment & “get rich quick” offers. In all, RapLeaf segmented people into more than 400 categories, the documents indicated.”
Based on what we've learned about RapLeaf’s activities, we recommend consumers take advantage of RapLeaf opt out.

How to opt out of RapLeaf:

  • Step one: you must accept third party cookies for Rap Leaf opt out to work, & have a working email address.
  • Step three: Submit your email address where you see “Permanently Opt Out.”There is an option to opt out of RapLeaf cookies only. We don't recommend this option, as it will not completely remove you from RapLeaf database.
  • Special note: if you're interested in finding out if you have a profile on RapLeaf, you can register with site to see it. If you do, we recommend that you also be sure to permanently opt out of RapLeaf.

More about RapLeaf opt out:

See Wall Street Journal, Digits blog, How to Get Out of Rapleaf’s System
See A Web Pioneer Profiles Users by Name, Emily Steele, WSJ.

Network Advertising Initiative opt out (NAI opt out)


What it does:

The Network Advertising Initiative (NAI) offers a centralized opt out system that allows Internet users to avoid some types of tracking of their web activities.
Some online ads appear on multiple web sites — these ads are generally called network ads. If you browse with cookies turned on (as many people do) at a couple or more of web sites with network ads, or make some purchases or register at those sites, then your activities may in some situations be tracked. In some cases, things you do online can be linked back to you personally by name or email address & then merged with other information about you.
If you opt out of NAI tracking, it means that companies that have tracking ads at multiple web sites will no longer assemble a file of all of the places you have visited, will no longer link your web activities with you personally, & will no longer merge web activities connected with their ads with other information about you. This is how NAI describes it:
While advertising networks do collect data on consumers who view their advertising, this data is often anonymous. However, profiles derived from tracking consumers’ activities on  Web can be linked or merged with “personally identifiable information” (PII). It can also be combined with offline purchase data or information collected via a survey, census, or registration form. These activities are most often invisible to consumers.
(http://www.networkadvertising.org/managing/faqs.asp)
The NAI opt out uses what is called an “opt out cookie” to tell advertisers not to track you. This opt-out can seem counter-intuitive: you accept a cookie on your computer to make sure you aren’t tracked using cookies.
How to opt out:
  • Step one: You must accept third party cookies for this opt out to work. Open your web browser & check cookie settings to accept all cookies.
  • Step two: Open following page: http://www.networkadvertising.org/managing/opt_out.asp. You'll see a prominent Consumer Opt Out area that shows you how many opt outs you currently have enabled. You can choose to opt out of all companies by clicking Choose All Companies button. The NAI opt out is relatively simple & straightforward, & is greatly improved from past versions.
  • Note: After you've opted out, if you remove opt out cookies from your computer, opt out must be repeated. We reiterate: this opt out may be helpful & useful, but it also can be challenging.

More about NAI opt out:

See the NAI Frequently Asked Questions Page: http://www.networkadvertising.org/managing/faqs.asp.
See World Privacy Forum cookie page: http://www.worldprivacyforum.org/cookieoptout.html

more TOP REPORTS
  • New WPF Report — The Scoring of America: How Secret Consumer Scores Threaten Your Privacy & Your Future
    To score is human. Ranking individuals by grades & other performance numbers is as old as human society. Consumer scores — numbers given to individuals to describe or predict their characteristics, habits, or predilections — are a modern day numeric shorthand that ranks, separates, sifts, & otherwise categorizes individuals &d also predicts their potential future actions. This new report by Pam Dixon & Robert Gellman explores this issue of predictive scores and privacy.
  • WPF Report — Paying out of Pocket to Protect Health Privacy: A New but Complicated HIPAA Option; A Report on HIPAA Right to Restrict Disclosure
    This Jan. 30, 2014 report discusses a new right to restrict disclosure of health information under updated HIPAA health privacy rule. The new provision called “Pay Out of Pocket,” also called “Right to Restrict Disclosure” gives patients the right to request that their health care provider not report or disclose their information to their health plans when they pay for medical services in full. Navigating new right will take effort & planning for patients to utilize effectively. This substance of this report is about  new patient right to restrict disclosure, &d how patients can use it to protect health privacy.
  • WPF Report – Data Brokers & Federal Government: A New Front in Battle for Privacy Opens, Part III in a series
    This report focuses on government use of commercial data brokers, implications for that usage, & what needs to be done to address privacy problems. The government must bring itself fully to heel in area of privacy. If it is going to outsource its data needs to commercial data brokers, it needs to attach privacy standards it would've been held to if it had collected data itself. Outsourcing isn't an excuse for evading privacy obligations.

Child Identity Theft - Identity Theft of Children

Child Identity Theft - Identity Theft of Children:

Sadly, even children are vulnerable to identity theft.

Their Social Security Numbers and other personal data are being stolen:

http://www.zdnet.com/article/identity-thefts-next-frontier-your-kids-6001046816

Protecting Your Children's Identity:

http://www.protectmyid.com/identity-theft-protection-resources/types-of-fraud/child-identity-theft.aspx

At the Identity Theft Victims Network - Children's Identity Theft:

http://identitytheftnetwork.org/gethelp/i-was-a-child-victim

Identity Theft Map of the United States - Clickable Interactive for State Resources:

http://identitytheftnetwork.org/resource-map

 Credit Card Protection Envelopes:

http://identitytheftnetwork.org/toolkit/outreach-materials

Template - Card Protection Wallet Sleeve:  
 
Develop a unique outreach tool that both grabs the public’s attention & is useful in preventing identity theft. The template wallet card below, can be used to create protective credit card envelopes. These envelopes provide protection against identity thieves who may use radio frequency identification devices (RFID) to ‘read’ the information on credit cards in wallets & purses of unsuspecting victims. Consider customizing this template with the phone number of your local organization or agency that services victims of identity theft.

View Wallet Card Template

Identity Theft - Domestic Violence

In many cases, domestic violence perpetrators use identity theft against their victims and/or their victims’ children as a method of power and control.  Perpetrators use identity theft to perpetrate their abuse. In many cases, the abuser uses credit cards, bank accounts, or other financial accounts to ruin the victim’s credit, or uses the victim’s personal information to damage their reputation or cause them further harassment, for example on online social networking sites.  

Help for Senior Citizens who are Victims of Identity Theft:

http://ovc.ncjrs.gov/news/pdf/OVC_NPU_Feb_2012.pdf

Step-by-step Identity Theft Recovery Instructions:

Family Secrets: Parents Prey On Children's Identities As Victims Stay Silent:  Article on huffingtonpost.com:

Even parents violate their own children's identities! 

http://www.huffingtonpost.com/2011/11/11/child-identity-theft-parents-credit-fraud-debt_n_1010093.html 




Radio Frequency Identification (RFID) and You

How to Protect Your RFID - Enabled Personal Identity & Credit Cards:

http://www.rfidconnect.com/BlogDetails.aspx?id=a576454d-078f-491e-80ce-afa3c6182811

At the above website, the blogger states that the blog "is dedicated to the downside of RFID Chips being used for Identification,Banking,Passports,Drivers License,Personal & Corporate ID Systems. People are people not assets. Experts warn RFID Risks Outweigh Benefits."

They also have an RFID Journal:

http://www.rfidjournal.com

and on their Internet of Things, this article:

NSA Offers Block Ciphers to Help Secure RFID Transmissions

The SIMON & SPECK block cipher families are free to use & enable the encryption of transmitted RFID data in any frequency.


RFID Chips are placed on many items that consumers purchase and use.  Above are some examples of tags, cards, etc. that bear RFID chips.

Hidden RFIDs:
 





Identity Theft - FBI, News, Resources, State Laws, Online Training & More



Federal Bureau of Investigation (FBI) - Identity Theft:

https://www.fbi.gov/about-us/investigate/cyber/identity_theft

Identity Theft News - Actual Cases - at the FBI website: 

https://www.fbi.gov/collections/identity-theft


Identity Theft Resources in All States of the United States:

This site has a map where you click on a state to learn about specific rules & regulations concerning identity theft in each state. 

http://www.idtheftcenter.org/id-theft/state-resources.html

The World Privacy Forum is an excellent website:

https://www.worldprivacyforum.org

At their website they have a map showing where the most medical identity thefts have occurred in the United States:

https://www.worldprivacyforum.org/2011/08/medicalidentitytheft-map

The World Privacy Forum published an excellent report titled:

"The Scoring of America: How Secret Consumer Scores Threaten Your Privacy & Your Future"

Here is a link to that report:

https://www.worldprivacyforum.org/2014/04/wpf-report-the-scoring-of-america-how-secret-consumer-scores-threaten-your-privacy-and-your-future

At the Office for Victims of Crime -- Online Training that People Worldwide are Taking:

Identity Theft Victim Assistance Online Training:  Supporting Victims' Financial & Emotional Recovery:

Launched in November 2009, Identity Theft Victim Assistance Online Training: Supporting Victims' Financial & Emotional Recovery is a user-friendly e-learning tool that will teach victim service professionals & allied professionals knowledge & skills to more effectively serve victims of identity theft & assist with their financial & emotional recovery.

https://www.ovcttac.gov/views/TrainingMaterials/dspOnline_IdentityTheft.cfm 

Online Training

Online interactive trainings for victim service providers & professionals to complete at their convenience.



3-4 hours Register
24 hours Register

Other Online Training They Offer:

Online Elder Abuse Training for Legal Service Providers
Training for legal aid & other civil attorneys to identify & respond to elder abuse.

Other Training Opportunities

National Victim Assistance Academy
Self-paced online training & Web-based facilitated training.
Training by Request
Trainers & materials come directly to you at no cost.
Customized Training & Technical Assistance
Specialized training & technical assistance (TTA) to meet your organization’s needs.
Instructor Materials
Downloadable training materials for presenters who are providing training in specialized topic areas.
Webinars
Brief online training sessions or conferences for victim service providers & allied professionals.





 

 


 

 

Resources for Consumers - Identity Theft

Identity Theft & Data Security - Federal Trade Commission:

https://www.ftc.gov/news-events/media-resources/identity-theft-and-data-security

They provide these links:

Policy on Identity Theft & Data Security:

https://www.ftc.gov/news-events/media-resources/identity-theft-data-security/policy

Filing a Complaint:

https://www.ftc.gov/news-events/media-resources/identity-theft-and-data-security/filing-complaint

 List a Phone Number on the Do Not Call Registry:

https://www.ftc.gov/faq/consumer-protection/list-number-national-do-not-call-registry

National Do Not Call Registry:

https://www.donotcall.gov

Phishing Scams & How to Spot Them:

Phishing is a type of online scam that targets consumers by sending them an e-mail that appears to be from a well-known source – an internet service provider, a bank, or a mortgage company, for example. It asks the consumer to provide personal identifying information. Then a scammer uses the information to open new accounts, or invade the consumer’s existing accounts. There are several tips consumers can follow to avoid phishing scams, such as not responding to e-mails or pop-up messages that ask for personal or financial information.

https://www.ftc.gov/news-events/media-resources/identity-theft-and-data-security/phishing-scams

Stop Fraud - US Government Financial Fraud Enforcement Taskforce:

http://www.stopfraud.gov/protect-identity.html

At the Stop Fraud website, they offer this list of resources for consumers:

Resources on How to Protect Yourself

Statement of Rights for Identity Theft Victims

Basic rights for identity victims & steps to report the crime & limit the loss.

Identity Theft & Your Social Security Number

Specific information concerning protecting your social security number & what to do if someone else is using it.

Identity Theft and Your Tax Records

IRS policies & contact information if you suspect identity fraud in connection with your tax records.

Medical ID Theft

Brief review of medical fraud, its implications, & how to protect yourself.

Medical Identity Theft

Could identity thieves be using your personal & health insurance information to get medical treatment, prescription drugs or surgery?

Take Charge: Fighting Back Against Identity Theft

The FTC’s comprehensive guide for victims of identity theft. Includes the ID Theft Affidavit.

To Buy or Not To Buy: Identity Theft Spawns New Products & Services to Help Minimize Risk

Pamphlet listing some services to minimize the risk of or mitigate the damage done by identity theft.

Your Access to Free Credit Reports

Guide to ordering your free credit reports from annualcreditreport.com

Related Organizations & Web Sites

Don't Be an On-line Victim: How to Guard Against Internet Thieves & Electronic Scams

Video with tips to protect oneself.

Federal Bureau of Investigation (FBI): Identity Theft

This section of the FBI Web site presents data & resources related to identity theft.

Identity Theft Resource Center

The Identity Theft Resource Center® (ITRC) is a national, non-profit organization established to support victims of identity theft in resolving their cases, & to broaden public education & awareness in the understanding of identity theft. It is the on-going mission of the ITRC to assist victims, educate consumers, research identity theft & increase public & corporate awareness about this problem.

OnGuard Online

This Web site provides practical tips from the federal government & technology industry to help consumers guard against Internet fraud, secure their computers, & protect personal information.

Privacy Rights Clearinghouse

A nonprofit consumer education and advocacy project whose purpose is to advocate for consumers' privacy rights in public policy proceedings & empower consumers to take action to control their own personal information by providing practical tips on privacy protection.

Federal Trade Commission: Identity Theft Web Site

This website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, & defend against identity theft.

Publications

Deter, Detect, Defend: Avoid ID Theft

Brochure from the FTC with quick steps to help protect yourself from identity theft.

ID Theft Complaint & Affidavit | en español

A voluntary form for filing a complaint with police department.

Chart Your Course of Action

Chart for you to use to keep track of steps taken to report  fraudulent use of your identity.

Identity Fraud -- Protect Yourself

This blog was created to provide links to information and resources for those who want to protect their identity, and for those who have experienced identity fraud.

I will add links and update this blog as I find qualified information and links that would be helpful to others, including laws applicable to identity fraud.



Identity Theft Recovery Steps - Federal Trade Commission:


and:


Know Your Rights – Federal Trade Commission:


Identity Theft Warning Signs – Federal Trade Commission:


Action to Take if Your Information is Lost or Stolen – Federal Trade Commission:


Identity Theft & Fraud - US Department of Justice:


The US Department of Justice website has this information for the public:

What Should I Do If I've Become a Victim of Identity Theft?

If you think you've become a victim of identity theft or fraud, act immediately to minimize the damage to your personal funds & financial accounts, as well as your reputation. Here's a list -- based in part on a checklist [external link] prepared by the California Public Interest Research Group (CalPIRG) [external link] & the Privacy Rights Clearinghouse [external link] -- of some actions that you should take right away:

1. Contact the Federal Trade Commission (FTC) to report the situation, whether Online,

2. By telephone toll-free at 1-877-ID THEFT (877-438-4338) or TDD at 1-866-653-4261, or

3. By mail to Consumer Response Center, FTC, 600 Pennsylvania Avenue, N.W., Washington, DC 20580.

Under the Identity Theft & Assumption Deterrence Act , the Federal Trade Commission is responsible for receiving & processing complaints from people who believe they may be victims of identity theft, providing informational materials to those people, & referring those complaints to appropriate entities, including the major credit reporting agencies & law enforcement agencies. 

For further information, check the FTC's identity theft Web pages . You can also call your local office of the FBI or the U.S. Secret Service to report crimes relating to identity theft and fraud.

You may also need to contact other agencies for other types of identity theft:

1. Your local office of the Postal Inspection Service if you suspect that an identity thief has submitted a change-of-address form with the Post Office to redirect your mail, or has used the mail to commit frauds involving your identity;

2. The Social Security Administration if you suspect that your Social Security number is being fraudulently used (call 800-269-0271 to report the fraud);

3. The Internal Revenue Service if you suspect the improper use of identification information in connection with tax violations (call 1-800-829-0433 to report the violations).

Call the fraud units of the 3 principal credit reporting companies:

Equifax: [external link]

1. To report fraud, call (800) 525-6285 or write to P.O. Box 740250, Atlanta, GA 30374-0250.

2. To order a copy of your credit report ($8 in most states), write to P.O. Box 740241, Atlanta, GA 30374-0241, or call (800) 685-1111.

3. To dispute information in your report, call the phone number provided on your credit report.

4. To opt out of pre-approved offers of credit, call (888) 567-8688 or write to Equifax Options, P.O. Box 740123, Atlanta GA 30374-0123.

Experian [external link] (formerly TRW)

1. To report fraud, call (888) EXPERIAN or (888) 397-3742, fax to (800) 301-7196, or write to P.O. Box 1017, Allen, TX 75013.

2. To order a copy of your credit report ($8 in most states): P.O. Box 2104, Allen TX 75013, or call (888) EXPERIAN.

3. To dispute information in your report, call the phone number provided on your credit report.

4. To opt out of pre-approved offers of credit & marketing lists, call (888) 5OPTOUT or write to P.O. Box 919, Allen, TX 75013.

Trans Union [external link]

1. To report fraud, call (800) 680-7289 or write to P.O. Box 6790, Fullerton, CA 92634.

2. To order a copy of your credit report ($8 in most states), write to P.O. Box 390, Springfield, PA 19064 or call: (800) 888-4213.

3. To dispute information in your report, call the phone number provided on your credit report.

4. To opt out of pre-approved offers of credit & marketing lists, call (800) 680-7293 or (888) 5OPTOUT or write to P.O Box 97328, Jackson, MS 39238.

Contact all creditors with whom your name or identifying data have been fraudulently used. For example, you may need to contact your long-distance phone company if your long-distance calling card has been stolen or you find fraudulent charges on your bill.

Contact all financial institutions where you have accounts that an identity thief has taken over or that have been created in your name but without your knowledge. You may need to cancel those accounts, place stop-payment orders on any outstanding checks that may not have cleared, & change your Automated Teller Machine (ATM) card, account, & Personal Identification Number (PIN).

Contact the major check verification companies (listed in CalPIRG-Privacy Rights Clearinghouse checklist [external link]) if you’ve had checks stolen or bank accounts set up by an identity thief. In particular, if you know that a particular merchant has received a check stolen from you, contact the verification company that merchant uses.

Find Out More About Identity Theft & Fraud

A number of government & private organizations have information about various aspects of identity theft & fraud: how it can occur, what you can do about it, & how to guard your privacy. To help you learn more about the problem & its solutions, we've attached a list of Web sites that you might find interesting & informative on identity theft & related topics.

Note: All Web sites to which these pages cross-link are included as a service for the reader. Cross-links to non-governmental sites don’t constitute an endorsement or approval of their content, or of the organizations responsible for that content, by the Department of Justice.

Government

United States:

California Department of Consumer Affairs
Federal Bureau of Investigation
Federal Trade Commission - Congressional Testimony
Federal Trade Commission - Fighting Back Against ID Theft
United States Postal Inspection Service
United States Secret Service

Canada:

Ontario Information & Privacy Commissioner [external link]

Non-Government

United States:

American Association of Retired Persons [external link]
Better Business Bureau - Alert [external link]
Better Business Bureau -- Eastern Massachusetts/Maine/Vermont [external link]
CalPIRG [external link]
Center for Democracy & Technology [external link]
National Association of Attorneys General [external link]
National Consumers League [external link]
National Fraud Information Center [external link]
Privacy Rights Clearinghouse [external link]

Other Helpful Organizations:

Non-Profit ID Theft Center – Free No-Cost Assistance: