Thursday, 5 October 2017

Opciones Binarias De Robo De Identidad


Etiquetado con opciones binarias de robo de identidad


Es fantástico que Anyoption acepte BitCoins como forma de pago, pero ¿qué es exactamente BitCoins?


Bit Coins es una moneda en línea descentralizada que no pertenece a ningún banco, institución o corporación. Bit Coins es un E-wallet de código abierto que le permite a los usuarios el cifrado completo para cualquier transacción entrante y saliente. Los principales beneficios del uso de las monedas bit es la confidencialidad para los usuarios, sin límites arbitrarios o tasas, sin necesidad de un banco y fácil de usar los intercambios que actúan como mediadores entre las monedas comunes y monedas bit. De hecho, si lo comparas con PayPal y Money Bookers, los usuarios pueden ahorrar cientos de dólares anualmente al transferir y aceptar el pago a través de la monedero de monedero.


Las monedas de bits se pueden usar para financiar su cuenta con la plataforma Anyoption mientras mantiene el cifrado completo y le ahorrará comisiones de transacción innecesarias. Creo que la reciente expansión de Anyoption en este creciente mercado de divisas digitales atraerá la atención de muchos usuarios actuales de Bit Coin que están en los 100.000 y ahora la cifra está creciendo. Si usted tiene alguna preocupación por su privacidad, robo de identidad o simplemente no confía en la seguridad SSL estándar proporcionada como una práctica estándar, esta nueva forma de moneda en línea descentralizada podría ser la mejor solución.


Anyoption siendo el líder y pionero de la industria parece establecer las reglas para el resto a seguir. Muchas de las características y funciones desarrolladas por Anyoption se incorporaron posteriormente a otros Brokers de Opciones Binarias. Es sólo natural que en los próximos meses nos daremos cuenta cada vez más corredores aceptando las monedas de bits como una opción de financiación que traerá aún más el punto luz a esta moneda digital revolucionaria.


Bit Coins ahora se utiliza con muchos de los portales de compras populares, redes de juegos e incluso en la web profunda debido a que se encuentra en la parte superior de la línea de & # 8217; Cifrado, las transacciones permanecen sin ser detectadas haciendo que el mercado Bin Coin sea una entidad de la misma que no esté sujeta al escrutinio de ninguna agencia gubernamental de aplicación. La moneda de bits se considera un avance revolucionario y sigue ganando popularidad como más y más empresas permiten el uso de esta moneda extraordinaria.


$ 20 a $ 100 Corredores de depósito mínimo!


3 Tipos de opciones binarias Fraude identificado por la SEC


3 Tipos de opciones binarias Fraude identificado por la SEC


La Comisión de Bolsa y Valores de los Estados Unidos nunca ha sido especialmente amigable con el mundo de las opciones binarias. De hecho, el gobierno de Estados Unidos ha sido a menudo bastante tiránico cuando se trata de regular las actividades de inversión privada. Sin embargo, tienen alguna literatura de calidad y algunos buenos consejos cuando se trata de comercio. Mientras exploraba sus materiales en el comercio de opciones binarias, me encontré con tres diferentes formas de fraude que la SEC identifica. La SEC no le dice a los inversionistas directamente para evitar el comercio de opciones binarias, pero sí recomiendan que los inversionistas tomen conciencia de posibles problemas y hagan todo lo posible para evitar ser víctimas de fraude.


1. Corredores que bloquean retiros


La primera categoría de fraude que la SEC identifica es bastante simple. Usted deposita dinero con una compañía de opciones binarias, y luego intenta retirar dinero, y no puede. A veces, los corredores involucrados con este tipo de estafas incluso saldrán de su camino para animarle a depositar más dinero antes de descubrir que no van a devolverlo. Pueden llamarle agresivamente por teléfono e intentar convencerle de los beneficios de agregar más fondos. A continuación, intentará retirar su dinero y encontrar sus órdenes de retiro repetidamente cancelado, y sus llamadas telefónicas y correos electrónicos se ignoran. Usted tratará de conseguir su dinero, sólo para ser señalado hacia pasajes oscuros en los términos y condiciones, o simplemente no podrá encontrar a nadie en la empresa que se comunicará con usted en absoluto.


Cómo evitar este tipo de estafa:


Haga su investigación antes de siquiera pensar en el depósito de dinero con cualquier empresa. Lea las revisiones de los clientes y busque en la web las quejas. Los clientes suelen reportar un comportamiento fraudulento en sitios como RipOffReport. com.


Lea TODOS los términos y condiciones y el FAQ a fondo. Tenga en cuenta los umbrales mínimos de retiro.


Deposite la cantidad mínima de dinero que puede obtener con sobre ese umbral y hacer un retiro de prueba antes de entrar en el comercio y la construcción de su cuenta.


Si recibe llamadas insistentes que le dicen que deposite más dinero, trate de eliminar sus fondos existentes inmediatamente y busque otro corredor.


2. Estafas de Robo de Identidad


Algunos corredores no sólo tratan de robar el dinero que deposita o gana, sino también tratar de robar su identidad (y, en última instancia, más dinero). Todos los corredores recopilar información sobre sus clientes, lo que puede hacer de este un desafío para evitar. Puede proporcionar la información de su tarjeta de crédito cuando deposita o retira dinero. También se le puede pedir que verifique su identidad enviando por fax copias de su licencia de conducir o tarjeta de crédito. O puede que le pidan su número de seguro social. La SEC recomienda no cumplir con las solicitudes de fax como estas. En caso de duda, si no desea utilizar su tarjeta de crédito con una empresa con la que no está familiarizado, quizás quiera utilizar un sistema de pago en línea que puede ayudar a proteger su identidad.


No todos los corredores que solicitan información personal son estafadores (después de todo, incluso las compañías legítimas le permiten usar una tarjeta de crédito), pero algunos lo son, y es mejor jugar con seguridad. Sea especialmente cauteloso con las compañías que no solicitan información personal cuando usted se registra y deposita dinero, pero la demanda antes de retirarse.


Cómo evitar esta estafa:


Como siempre, la investigación de cualquier empresa que está tratando a fondo antes de depositar dinero, y ver si hay alguna evidencia en línea que son estafadores.


Consulte las preguntas frecuentes y los términos de servicio para obtener información sobre los procedimientos de depósito y retiro. Si tiene alguna duda, llame al servicio de atención al cliente y verifique que no se le pedirá que comprometa su identidad para retirar dinero de su cuenta.


Este video de youtube. com también explicará cómo evitar todo tipo de robo de identidad en línea


3. Los corredores que manipulan los oficios


El tercer tipo de esquema es un poco más sutil que los otros dos, pero puede ser tan costoso con el tiempo. Los corredores manipulan a veces el software comercial para generar pérdidas. La versión más común de esta con es una situación donde un comercio expira una cantidad arbitraria de tiempo después de que fue fijado a, y entonces el comercio repentinamente expira fuera del dinero. Los comerciantes se quejan, preguntando por sus ganancias, y el corredor se encoge de hombros y dice que no están sujetos a falta por errores técnicos. Esto puede suceder repetidamente antes de que un comerciante se dé cuenta de que hay un problema.


Otros aspectos de un comercio también pueden ser manipulados. Los pagos pueden cambiar repentinamente por ninguna razón obvia. Incluso los precios pueden ser alterados. Esté atento a este tipo de estafas, pero no olvide que la razón más común para perder un comercio suele ser porque usted hizo algo malo, y no su agente (en otras palabras, no incumbe la responsabilidad de sus propios errores en Su corredor).


Cómo evitar esta estafa:


Una vez más, leer las críticas! Siempre asegúrese de que los comentarios que está leyendo son dejados por terceros, y no por el corredor o sus afiliados. Después de un tiempo, usted encontrará que es fácil distinguir entre los dos. Cuanto más detallada sea la revisión y cuanto más completa sea la información, mejor. Si usted puede encontrar los pros y los contras reales, que es otro signo que está buscando en una revisión real.


Tenga en cuenta las acciones de su corredor mientras está negociando. Si usted nota algo inusual que va encendido con tiempos de la expiración, allí es probable un problema con el corredor. Una vez puede ser un error técnico (todavía poco probable), pero dos veces? Usted sabe el viejo refrán: "Tonto una vez, la vergüenza en usted, me engañe dos veces, la vergüenza en mí." Retire su dinero si usted puede, y encuentra a otro corredor que no esté manipulando comercios.


Las opciones binarias no son una estafa por sí mismo, sino que es una forma de comercializar instrumentos financieros. Pero hay un montón de estafadores que están presa de los comerciantes novatos. Sólo toma unos minutos para hacer su tarea en una empresa de opciones binarias. Otro paso que puede tomar es hablar con un representante de servicio al cliente y ver cómo se le trata. Si llama a una empresa y el representante es excesivamente agresivo, puede ser una señal para seguir adelante. Si recibe un servicio de atención al cliente cortés y una información transparente, es posible que haya encontrado un corredor de opciones binarias honesto y confiable. ¿No estás seguro por dónde empezar? Aquí está nuestra lista de corredores de opciones binarias confiables.


Acerca de


Acerca de, Privacidad, Términos, Exención de responsabilidad Gobierno de los EE. UU. Exención de responsabilidad obligatoria - Commodity Futures Trading Commission Futuros y opciones de comercio tiene grandes recompensas potenciales, pero también grandes riesgos potenciales. Debe ser consciente de los riesgos y estar dispuesto a aceptarlos para invertir en los mercados de futuros y opciones. No negocie con dinero que no puede permitirse perder. Esto no es ni una solicitud ni una oferta de compra / venta de futuros u opciones. No se está haciendo ninguna representación de que cualquier cuenta tenga o sea probable obtener ganancias o pérdidas similares a las discutidas en este sitio web. El desempeño pasado de cualquier sistema o metodología comercial no es necesariamente indicativo de resultados futuros. CFTC REGLA 4.41 - LOS RESULTADOS DE RENDIMIENTO HIPOTÉTICOS O SIMULADOS TIENEN CIERTAS LIMITACIONES. DESCONOCIDO UN REGISTRO DE RENDIMIENTO REAL, LOS RESULTADOS SIMULADOS NO REPRESENTAN COMERCIO REAL. TAMBIÉN, DADO QUE LOS COMERCIOS NO HAN SIDO EJECUTADOS, LOS RESULTADOS PUEDEN TENERSE COMPARTIDOS POR EL IMPACTO, EN CASO DE, DE CIERTOS FACTORES DE MERCADO, COMO LA FALTA DE LIQUIDEZ. LOS PROGRAMAS DE COMERCIO SIMULADOS EN GENERAL ESTÁN SUJETOS AL FACTOR DE QUE SEAN DISEÑADOS CON EL BENEFICIO DE HINDSIGHT. NO SE HACE NINGUNA REPRESENTACIÓN QUE CUALQUIER CUENTA TENDRÁ O ES POSIBLE PARA LOGRAR GANANCIAS O PÉRDIDAS SIMILARES A LOS MOSTRADOS.


Renuncia:


Tenga en cuenta: Todo el contenido de este sitio web se basa en nuestras experiencias escritores y editores y no están destinados a acusar a cualquier corredor con asuntos ilegales. Las palabras Scam, blacklist, fraudes, hoax, sucks, etc se utilizan porque todo el contenido de este sitio web está escrito en un formato ficticio, entretenimiento, satírico y exagerado y por lo tanto a veces desconectado de la realidad. Todos los lectores deben juzgar personalmente todo el contenido y los corredores por sus propios méritos. Además, los comentarios de los visitantes no están moderados, salvo el evidente vínculo de spam. La gente miente. Utilice su discernimiento. Descargo de responsabilidad: Opciones binarias comerciales es extremadamente riesgoso y puede perder toda su inversión. Sólo depósito y el comercio con el dinero que puede permitirse el lujo de perder. Siempre consulte las leyes, jurisdicciones y autoridades locales antes de realizar cualquier acción en Internet. El contenido de este sitio web NO es asesoramiento financiero y por el uso de este sitio usted acepta mantenerse 100% inofensivo por cualquier pérdida.


TEMA: Banc de Binario - Potencial de Robo de Identidad


BEWARE of - Banc de Binary - POTENCIAL PARA EL FRAUDE MASIVO Y EL ROBO DE IDENTIDAD


Envié lo siguiente a Banc de Binary - (BdB)


'Debido al hecho de que me han diagnosticado insuficiencia de Vertabrasilar (suministro de sangre restringido a la cabeza), mi especialista en medicina me ha advertido que se abstenga de hacer el trabajo de computadora. Esto me obliga a cerrar mi cuenta 9 / 90. '


Me dijeron que hiciera el retiro de mi cuenta, lo que hice, y me informaron de que se estaba procesando el retiro. Más de una semana después sin ninguna señal de la devolución de mis $ 500. Me registré con su línea de chat, y me dijeron que había cancelado la retirada - que no era correcto. Cuando me opuse a esto, revisaron y dijeron que el departamento de devoluciones había cancelado arbitrariamente mi solicitud de retiro, porque no había proporcionado la documentación necesaria. Por supuesto, convenientemente habían omitido informarme de los requisitos. Después de revisar los documentos que exigían, les envié inmediatamente el siguiente correo:


"Su representante me ha informado de que tengo que enviarle muchos documentos para lograr la retirada. Estos son precisamente los mismos documentos que las autoridades aquí en Australia dicen que nunca debemos suministrar a terceros debido a las posibilidades de robo de identidad.


Me parece extraño que aceptes fácilmente depósitos sin identificación, pero insiste en una cantidad excesiva en tener todos nuestros detalles para obtener un reembolso.


He abierto esta cuenta usando una tarjeta de crédito Visa. Lógicamente, si se devuelve a la misma tarjeta de crédito el reembolso se devuelve a la persona que pagó en primer lugar. Así que no veo ninguna razón por la que no debe devolver a la misma tarjeta de crédito, siempre y cuando le envíe una fotocopia de la misma con todos menos los últimos cuatro dígitos ennegrecidos. También estoy dispuesto a enviarle una copia de mi estado de cuenta bancaria que muestre el pago del depósito, que servirá de copia de la fotocopia de la tarjeta de crédito.


Esto fue para el equipo de Banc de Binary Disputes quien envió una nota en el sentido de que me regresarían dentro de un día laborable. No pudieron hacer esto, así que volví a plantear la cuestión una semana después. Nuevamente dijeron que volverían dentro de un día laborable. De nuevo no respondieron.


Son intenciones obvias de mantener mi dinero a menos que yo les proporcione documentos que pueden conducir fácilmente al ROBO DE IDENTIDAD. Uno tiene que preguntarse por qué?


A diferencia de los corredores de Forex de buena reputación que ofrecen una cuenta de práctica sin tener que tener una cuenta en vivo, BDB insisten en primero agarrar su dinero. Uno pensaría que si tenían un producto que era genuinamente potencialmente beneficioso para un cliente, serían solamente ansiosos de dejar a gente probar una cuenta de la práctica primero sin el compromiso del efectivo - pero no lo hacen. Una vez más uno tiene que preguntarse por qué? BdB aceptará con entusiasmo su dinero por cualquier método, incluso directamente desde una tarjeta de crédito, sin hacer preguntas, pero son muy reacios a devolver el dinero - lo que es lo más difícil posible. BdB aceptará con entusiasmo su dinero por cualquier método, incluso directamente desde una tarjeta de crédito sin hacer preguntas, pero son extremadamente reticentes a reembolsar su propio dinero a menos que proporcione ciertos documentos de una manera muy específica. Decir que estos documentos son necesarios para asegurar que el dinero se devuelve a la persona adecuada es muy sospechoso, sobre todo cuando el depósito se puede devolver directamente a la tarjeta de crédito de donde vino. Como habrás visto arriba, me ofrecí a respaldar esto con una copia de mi estado de cuenta bancaria mostrando la retirada original de $ 500 para el crédito a BDD. Creo que cualquier persona estará de acuerdo en que esto debería ser suficiente para asegurar que el dinero está siendo devuelto a la persona que lo envió a BDB en primer lugar. (Nota: Bdb intenta conseguir que los clientes depositen mucho más de $ 500, ofreciendo colocar grandes cantidades de dinero extra en sus cuentas, sin necesidad de devolver Bdb).


Entonces, ¿qué está pasando? Bueno, es obvio que BdB está construyendo una gran base de datos de los inversores TODOS que tendrán que proporcionar todos los documentos que normalmente se requieren para robar la identidad de alguien. Ahora debo aclarar que no he oído hablar de ningún tipo de Robo de Identidad relacionado con BdB en esta etapa. De hecho su negocio parece estar funcionando bastante provechoso si los comentarios de algunos participantes binarios de la opción son cualquier cosa ir cerca. Pero, ¿qué sucede con esta base de datos cuando las opciones binarias ya no son el sabor del mes y las opciones binarias BDB empiezan a declinar? Ellos (o cualquier inconformista en la oficina - dicen que perder su trabajo) tiene el potencial de crear un fraude masivo y una enorme interrupción y pérdida financiera en las vidas de los inversionistas, que han retirado dinero de BDP al proporcionar inconscientemente los documentos sospechosos.


TEN CUIDADO si te unes a Banc de Binary te estás preparando para un posible PESADILLA FINANCIERA. La vida de muchas personas ha sido totalmente arruinada por el ROBO DE IDENTIDAD.


Después de enviar lo anterior a BdB como un ejemplo de lo que podría razonarse de sus protocolos, volví a recibir una nota de que alguien estaría en contacto conmigo dentro de un día laborable. Otra vez no sucedió.


Entonces, ¿qué hace toda esta reticencia a los clientes de reembolso su propio dinero, sin primero obtener sus documentos potenciales de robo de identidad? Bueno, creo que refuerza el argumento de que la intención principal de Banc de Binary es crear una base de datos masiva con TODOS los documentos necesarios para ejecutar una operación de ROV de IDENTIDAD exitosa y muy rentable en el futuro.


Otra cosa que me hace más sospechoso es cómo BDB quiere recibir los documentos de retiro. Aquí, en Australia, al ABRIR una cuenta (más de una cierta cantidad) con un Banco, el Solicitante tiene que presentar una prueba de identidad. Esto es para detener el lavado de dinero. Uno puede elegir entre una serie de sugerencias que los documentos para producir. La gran diferencia es que el Solicitante aparece en el Banco y simplemente muestra estos documentos al cajero. En ningún momento se salen de la vista del Solicitante, y los documentos no son copiados por el Banco. Los retiros se realizan sin necesidad de producir identificación, basta con usar una contraseña seleccionada por el usuario.


Contraste esto con Banc de Binario. No están interesados ​​en quiénes son ustedes al abrir la cuenta. Lo hacen muy, muy fácil de depositar dinero, pero muy difícil en retirar su dinero. Los documentos de retiro que quieren (como me informaron a continuación) son los siguientes:


1. Pasaporte 2. Identificación del color (como el permiso de conducir) 3. Cualquier factura de servicios públicos o extracto bancario de los últimos tres meses que tenga su nombre completo y dirección completa como su identificación de color (esto es muy importante) 4. Si ha depositado el Dinero por tarjeta de crédito, también necesitaremos una copia de su tarjeta de crédito en color (espalda y frente: por favor, mantenga sólo los últimos 4 dígitos visibles)


Estos documentos sonaron inmediatamente mis campanas de alarma, porque éstos son los documentos precisos que las autoridades aquí en Australia dicen NUNCA se debe dar a terceros. Aún más alarmante es la insistencia en que todo esté en color. Cuando le pregunté esto me dijeron 'Todo debe estar a todo color o BdB no lo aceptará.' Ahora, ¿por qué en la tierra todos tienen que estar en color FULL. Sin duda, si BdB recibe los documentos en blanco y negro, el remitente tiene pleno acceso a los documentos, que consideran suficiente prueba de la propiedad de la cuenta.


¿Cuál es la razón del color FULL? Bueno, una respuesta obvia es que los documentos de color son mucho más persuasivos al robar la identidad de alguien, ya que se verá como originales.


Aún más motivo de preocupación es el número 4 anterior - la tarjeta de crédito. Ah, sí, dicen en blanco todos excepto los últimos 4 dígitos. Pero recuerde que ya tienen todos los dígitos de la misma tarjeta de crédito en el depósito original en su cuenta. Ahora quieren el color de la Tarjeta. ¿Cómo en la tierra el color de mi crédito demuestra mi propiedad en ninguna manera? Peor todavía BdB quiere fotocopias de la no sólo el frente, sino también la parte posterior de la tarjeta de crédito. Esto incluye mi firma y el número de SVC (Security Verification Code). Nunca he oído hablar de alguien más pidiendo la exposición TOTAL de todos los detalles de la tarjeta de crédito. El único otro sistema que coincide con esta exposición total de tarjetas de crédito, son los ladrones que ejecutan su tarjeta a través de una máquina de copia de la tarjeta cuando usted no está buscando cuando usted está haciendo una compra legítima en un restaurante o tienda al por menor. Todos sabemos que sólo toma un par de días para una copia exacta de tales detalles de tarjeta de crédito robados que se producen y en venta a otros ladrones y los estafadores.


Esto, por supuesto, destruye la dignidad de crédito de las víctimas por lo que es casi imposible volver a obtener una buena calificación crediticia. Pero mucho peor es la PÉRDIDA DE SU IDENTIDAD porque los estafadores pueden ir alrededor y acumular enormes deudas en su nombre. Recuerde que tienen todos los documentos necesarios a todo color, para demostrar que son usted. Esto puede destruir totalmente su propia vida - y la de sus familias. Asi que -


BEWARE of - Banc de Binary - POTENCIAL PARA EL FRAUDE MASIVO Y EL ROBO DE IDENTIDAD


El comercio de opciones binarias es increíblemente este y rápido. Si cree que el valor del activo que elija va a subir en el momento de la caducidad, a continuación, haga clic en CALL. Si cree que el valor del activo que ha elegido está disminuyendo al momento de la expiración, haga clic en PUT.


24 horas de negociación


Usted puede negociar en cualquier momento, las opciones binarias comerciales están disponibles 24 horas al día, y cinco días a la semana. Con las características únicas de Nextoption, puede operar incluso los fines de semana cuando los mercados están cerrados.


Cielo Los altos retornos se pueden hacer en minutos.


Pago Fijo y Riesgo Controlado


Cuando intercambias Opciones Binarias, la recompensa y el riesgo están predefinidos y siempre bajo tu control. Puede determinar las proporciones porcentuales de cada operación.


Amplia gama de activos negociados internacionalmente


Las opciones binarias de negociación con Nextoption, permite a los comerciantes elegir de hasta 200 activos incluyendo monedas, acciones, materias primas e índices. Los comerciantes pueden elegir múltiples activos con los que comerciar, o un solo activo que se centran más


No hay Comisión - No propagación


El precio, el pago o la devolución para el comercio sigue siendo el mismo si usted elige LLAMAR o PONER. Los comerciantes de Nextoption se benefician al comercio en línea sin comisiones u honorarios ocultados.


Las opciones binarias se pueden utilizar como una gran manera de cubrir su exposición en posiciones existentes en los mercados financieros.


El video interactivo y la biblioteca de libros electrónicos están diseñados tanto para principiantes como para principiantes


Las sesiones de negociación One-on-One y los servicios Exclusive Account Manager son accesibles para nuestros operadores en todos los niveles


Hasta un 85% de beneficios en sus inversiones


Nuestro usuario amigable, estado de la plataforma web de arte no requiere descargas


Con nuestras innovadoras aplicaciones iOS y Android, nuestros operadores nunca pierden una oportunidad comercial


Amplia gama de activos


Comercio con una amplia gama de activos negociados internacionalmente, incluyendo acciones, divisas, materias primas e índices


Herramientas Únicas de Gestión y Gestión de Riesgos


Usted puede controlar los índices de riesgo y recompensa en todo momento. Nuestras herramientas especiales de Stop Loss, Take Profit, Extend y Double Up están disponibles para todos los activos de NextOption


Eco Calendar, Market Review y todo lo que necesita para tomar decisiones comerciales firmes


¿Qué es una opción binaria?


Una opción binaria es un negocio con dos resultados posibles, basado en un activo, donde el precio, la caducidad y el pago se fijan al inicio del contrato.


¿Qué es un activo?


Un activo es la acción, la moneda, el índice o la mercancía en la que se basa el contrato de opción. (Ejemplo: el EUR / USD (el euro y el dólar estadounidense)) puede actuar como activo para una opción.


¿Qué es una opción Hi (up)?


Una opción Hi le gana un beneficio cuando el precio del activo en el momento de vencimiento es mayor que el precio de compra. Por ejemplo: Si compra Google (GOOG) en 618.48 a las 10:00 AM y elija que será mayor que 618.48 a las 11:00 AM. Si es mayor que 618.48 a las 11:00 AM & # 8211; Usted ha hecho un beneficio.


¿Qué es una opción baja (abajo)?


Una opción baja le gana un beneficio cuando el precio del activo en el momento de vencimiento es menor que el precio de compra. Por ejemplo: Si usted compra Google (GOOG) en 618.48 a las 10:00 AM y elija que será inferior a 618.48 a las 11:00 AM. Si es menor que 618.48 a las 11:00 AM & # 8211; Usted ha hecho un beneficio.


¿Qué hay de fuera del dinero?


En el caso de un & # 8216; Hi & # 8217; Opción fuera de la moneda significa que el precio del activo cerró por debajo del precio de compra. A & # 8216; Bajo & # 8217; Opción está fuera de la moneda cuando el precio del activo se cierra por encima del precio de compra. A & # 8217; Hi & # 8217; O & # 8216; Bajo & # 8217; Opción que está fuera del dinero se traducirá en una pérdida para el comerciante.


¿Qué hay en el dinero?


In-the-money significa que en el caso de un & # 8216; Hi & # 8217; Opción el precio del activo cerrado por encima del precio de compra. A & # 8216; Bajo & # 8217; Opción termina En-el-dinero cuando el precio del activo se cierra por debajo del precio de compra. A & # 8217; Hi & # 8217; O & # 8216; Bajo & # 8217; Opción que está en el dinero ganará el comerciante un beneficio.


¿Qué es el dinero?


En-el-dinero es cuando el precio del activo se cierra al mismo precio que se compró. En este caso, se le devolverá el importe total de la compra.


¿Cuál es el tiempo de vencimiento?


El tiempo de vencimiento es el tiempo predeterminado en el que una opción termina con el resultado del dinero o fuera del dinero.


¿Cuál es la fecha de caducidad?


El plazo de vencimiento es la fecha predeterminada en la que una opción se cierra con el resultado del dinero o fuera del dinero.


¿Cuál es la zona horaria del tiempo de vencimiento?


La hora en el sitio se basa en GMT


¿Cuál es el monto máximo del comercio?


El importe máximo del comercio es de $ 1000. No hay límite para el número de oficios que puede hacer. Por ejemplo: Si desea comprar Google (GOOG) por $ 2000, puede colocar 2 operaciones de $ 1000 cada una.


¿Cuál es el monto mínimo de comercio?


El monto comercial mínimo es $ 10


¿Cómo puedo ver mi historial de operaciones?


Todos sus oficios pueden ser vistos seleccionando el & # 8220; My Trades & # 8221; lengüeta. También puede ordenar sus operaciones.


¿Qué activos están disponibles?


Los activos que están disponibles para el comercio son una amplia gama de pares de divisas (Forex), commodities, índices y acciones.


¿Cómo funcionan los pagos?


Los pagos pueden ser entre 65% y 81% de la inversión inicial cuando una opción se cierra en el dinero.


¿Cómo puedo registrarme?


El registro es posible a través de la página Abrir cuenta. Rellene los siguientes datos: Nombre, Apellido, número de teléfono y correo electrónico. Para su comodidad, haga clic aquí para registrarse


¿Tengo que depositar dinero para el registro?


No, usted no tiene que depositar dinero para registrarse.


¿Hay una demo para su sitio?


Sí, puede registrarse para una cuenta demo y recibir $ 500 de dinero de juego para el comercio con.


¿Cómo puedo actualizar mi información personal?


Sus datos personales se pueden actualizar haciendo clic en & # 8220; Mi perfil & # 8221; Y luego haga clic en los Detalles personales & # 8221; lengüeta.


¿Cómo puedo ver mi saldo?


El saldo se muestra siempre en la parte superior de la página de negociación.


¿Cuál es la cantidad máxima de depósito?


El monto máximo del depósito es de $ 5000 por cada transacción. Usted puede hacer tantas transacciones como desee.


¿Cuál es el monto mínimo del depósito?


El monto mínimo del depósito es de $ 100 por transacción.


¿Cómo puedo depositar dinero?


Puede depositar dinero mediante transferencia bancaria o transferencia bancaria. Habrá opciones de financiamiento adicionales en el futuro.


¿Qué es un código rápido?


Un código SWIFT es el código de identificación único que se utiliza para transferir dinero entre bancos. Cada banco tiene su propio código SWIFT. Las transferencias de cables de banco no podrán procesarse sin un código SWIFT. Llame a su banco para obtener su código SWIFT para realizar un depósito o una solicitud de retiro mediante transferencia bancaria.


¿Son imponibles los pagos?


No cobramos impuestos de sus ganancias. Usted debe verificar sus reglas y regulaciones de impuestos locales.


¿Qué monedas puedo usar para financiar mi cuenta?


Puede financiar su cuenta con USD en este momento


¿Cómo puedo retirar mis beneficios?


Retiro de sus ganancias se puede hacer de varias maneras. Reembolsar su tarjeta de crédito, transferencia bancaria a su cuenta bancaria, o un cheque enviado a su dirección de facturación.


¿Puedo cancelar una solicitud de retirada?


Los retiros se pueden cancelar siempre y cuando no haya recibido la aprobación de retiro por correo electrónico.


¿Cómo sé que mis fondos son seguros?


Sus fondos están protegidos por SSL de Comodo y mantenidos en una cuenta separada por la compañía de facturación


¿Hay un monto mínimo de retiro?


Usted puede retirar cualquier cantidad hasta el saldo restante


¿Tengo que descargar algún software para poder operar?


No. Todas las plataformas están basadas en web y no se necesita descarga o instalación para el comercio.


He olvidado mi nombre de usuario o mi contraseña, ¿qué debo hacer?


Puede restablecer su contraseña haciendo clic en este enlace


¿Hay alguna manera de cambiar el idioma?


No en este momento


Términos y condiciones de la cuenta de cliente de Nextoption


1.1 El presente contrato de cliente (el "Contrato") es introducido por y entre Nextoption (la "Compañía") y la persona física o jurídica que ha solicitado abrir una cuenta de negociación en la plataforma de negociación de Opciones Binarias de la Compañía ), De acuerdo con los términos y condiciones detalladas en este acuerdo.


1.2 Negociación de Opciones Binarias ( "Trading"), significa que se está creando un contrato que le da al Cliente el derecho de estimar la dirección de cambio de precio de un activo subyacente, dentro de un determinado período de tiempo determinado por la Compañía. Este instrumento de negociación es diferente de la negociación en el comercio de "opciones" de una manera tradicional, ya que hay un rendimiento fijo que se determina al inicio del comercio, tales como: normalmente no hay orden Stop-Loss y otras características.


2. La Cuenta Comercial


2.1 Apertura de Cuenta - El cliente puede solicitar una cuenta a través del sitio web de la Compañía y la Compañía aceptará dicha solicitud de apertura de cuenta (la "Cuenta de Operación") bajo los siguientes términos: (i) la Compañía ha recibido confirmación de que el Cliente ha aceptado En el presente Contrato (tal confirmación puede hacerse comprobando el botón "I AGREE" o el enlace en el sitio web de la Compañía en Internet (el "Sitio Web") seguido de un formulario de solicitud completado (si procede) y de toda la información requerida por la Compañía El cliente confirma que la información del cliente es completa, exacta y completa. Si hay un cambio en la información proporcionada por el cliente, el cliente debe notificar inmediatamente a la compañía de cualquier cambio.


2.2 El uso de la Plataforma de Negociación se realiza a través de la Cuenta, mediante una licencia limitada otorgada por la Sociedad al Cliente. La licencia es personal, intransferible y es para personas mayores de 18 años (o mayores de edad, si la ley aplicable a las jurisdicciones del Cliente requiere una edad legal superior) y sujeto a este Acuerdo. El Cliente no transferirá, asignará o habilitará a otros para hacer uso alguno de la licencia, y / o le dará a los Clientes los códigos de acceso a la Cuenta de Operaciones. Cualquier daño causado al Cliente, a la Compañía ya cualquier tercero por incumplimiento de este Contrato por parte del Cliente, será de exclusiva responsabilidad del Cliente.


2.3 Activación de la Cuenta de Operación - La Cuenta será activada por la Sociedad tan pronto como la Compañía haya identificado los fondos acreditados por el Cliente a la Cuenta de Operación. La Sociedad podrá activar la Cuenta de Operación y permitir la negociación en la Cuenta de Operación sujeto a tales limitaciones, ya satisfacción de los demás requisitos que la Compañía pueda imponer. En los casos en que una Cuenta de Operación no esté activada o no esté congelada, no se podrá transferir fondos de la Sociedad con respecto a dicha Cuenta de Negociación ni a ninguna otra persona hasta que la Sociedad considere que se han cumplido todas las Normas Aplicables.


2.4 La Sociedad podrá actuar, según la sola discreción de la Compañía, como principal o como agente en nombre del Cliente en relación con cualquier Transacción celebrada de conformidad con el Contrato. Por lo tanto, la Compañía puede actuar como contraparte de la actividad de Negociación de Clientes. El Cliente confirma que actúa como el principal único y no como agente o fideicomisario en nombre de otra persona.


2.5 El Cliente por la presente declara y garantiza que su compromiso con la Compañía en este Acuerdo y su uso de los servicios de la Compañía están en pleno cumplimiento con la ley aplicable al Cliente.


3. Las Transacciones


3.1 La Plataforma de Negociación permite la negociación de Opciones Binarias en tipos de cambio de diferentes monedas, materias primas y cualquier otro instrumento financiero disponible por la Sociedad. La Plataforma de Negociación muestra cotizaciones indicativas de tipos de cambio de diferentes pares de instrumentos financieros, basados ​​en diferentes sistemas de información financiera, como los tipos de cambio más actualizados en los mercados de capitales internacionales. Para determinar las cotizaciones para diferentes períodos de tiempo, la plataforma está haciendo cálculos matemáticos de acuerdo con fórmulas conocidas y aceptadas de mercados de capital. Las dos Partes reconocen que debido a diferentes métodos de cálculo y otras circunstancias, diferentes plataformas y / o mercados de comercio pueden presentar cotizaciones de precios diferentes.


3.2 El cliente recibirá un pago predeterminado si su transacción de opción binaria expira en el dinero y perderá una cantidad predeterminada de su inversión en la transacción si la opción expira fuera del dinero. Las cantidades predeterminadas son un derivado de la garantía invertida en la transacción por el Cliente, y se publicarán en la Plataforma de Negociación. El grado en que la opción es in-the-money o out-of-the-money no importa como lo hace con las opciones tradicionales


3.3 El Cliente autoriza a la Compañía a confiar y actuar en cualquier orden, solicitud, instrucción u otra comunicación dada o hecha (o que se propone hacer) por el Cliente o cualquier persona autorizada en nombre del Cliente, sin más investigación en la parte De la Compañía en cuanto a la autenticidad, autenticidad o identidad de la persona que da o pretende dar tal orden, solicitud, instrucción u otra comunicación. El Cliente será responsable y estará obligado por todas las obligaciones contraídas o asumidas por la Compañía en nombre del Cliente como consecuencia o en relación con dichas órdenes, solicitudes, instrucciones u otra comunicación.


3.4 La Sociedad se reserva el derecho, pero no obligado a lo siguiente: a establecer, a su absoluta discreción, límites y / o parámetros para controlar la capacidad del Cliente para realizar pedidos o restringir los términos en los que se puede realizar una Transacción. Tales límites y / o parámetros pueden ser enmendados, aumentados, disminuidos, removidos o agregados por la Compañía.


3.5 Arbitraje / cancelación de órdenes y transacciones - La Sociedad no permite acciones o no acciones basadas en cálculos de arbitraje u otros métodos que se basen en la explotación de diferentes sistemas o plataformas mal funcionamiento, retraso, error, etc. own discretion, to cancel any transaction that has been executed due or in connection with an error, system malfunction, breach of the Agreement by Client etc. The Company's records will serve as decisive evidence to the correct quotes in the world capital markets and the wrong quotes given to the Client; The Company is entitled to correct or cancel any trade based according to the correct quotes.


3.6 Cancel Feature Abuse


Company offers a special cancellation feature that allows traders to cancel a trade within a few seconds of execution. Abuse of the cancellation feature can be considered market arbitrage and can result in forfeiture of profits. Company reserves the right to cancel a position if the cancellation feature is abused. The acceptable cancellation percentage cannot exceed 20% of the total number of executed trades. Cancelling more than 20% of the total number of executed trades is considered abuse of this feature and resulting profits may be forfeited from such abuse.


4.1 The Client may transfer funds to the Company with different methods of payment as permitted by the Company from time to time and in any currency (acceptable by the Company), and such funds will be converted and managed in the Trading Platform in US Dollars and/or Euro and/or GBP and/or CAD and/or AUD, as determined by the Company, according to an exchange rate determined by the Company’s according to the available market rates.


4.2 When making a bank transfer, the Client must send the Company an authentic SWIFT confirmation, stating full bank account details and proof that the bank account is registered under its name. Non-delivery of the SWIFT confirmation or in case that the details do not conform to the Client’s details registered at the Company may result in the funds not being credited to the Client’s Trading Account.


4.3 Whenever the Client transfers funds to the Company, those funds belong to the Company and will be treated by it as its own for the purpose of securing or covering the Client’s present, future, actual, contingent or prospective obligations, subject only to any contractual obligation of the Company to pay or return money to the Client according to the terms of this Agreement. The Client will not have a proprietary claim over money transferred to the Company, and the Company can deal with it in its own right. In determining the amount of collateral and the amount of the Company’s obligations to pay or return money to the Client, the Company may apply such methodology (including judgments as to the future movement of markets and values), as the Company considers appropriate.


4.4 The Funds deposited with the Company by the Client, together with any Profit or other Benefits the Client may be entitled to according to a specific agreement with the Company, shall be used as security to any Transaction, including Trading Losses, Commission and any other fee or debt owed by the Client to the Company, which will be automatically deducted from the Client’s equity in the Trading Account. The Client’s Funds shall not accumulate any interest or any other benefits. Trading in binary options that relate to a reference security shall not grant the Client any right to dividends, voting, allocations or any other Benefits, but may be subject to adjustments according to financial or corporate events which may have an effect the reference security, such as distribution of dividends, splits etc.


4.5 Repayment of any funds by the Company to the Client will be in the same currency and to the same account/credit card from which the funds were originally transferred, unless the Company has decided, by its own discretion, to return the funds to a different account of the Client.


4.6 The Client declares that all funds that it transfers to the Company do not derive from any criminal or other illegal activity and without any violation of any applicable anti money laundering laws and regulations.


4.7 The Client will have no claim against the Company and will not hold the Company responsible for any delay and/or differences originating from a credit company’s, banks or other financial institutions rates calculation and/or commission and/or any other debit.


4.8 Withdrawals – In case the Client gives an instruction to withdraw funds from the Trading Account, the Company shall pay the specified amount (less any transfer charges, if applicable) once a duly instruction has been accepted and at the moment of payment, the Client’s margin requirements have been met. Withdrawal procedure takes 7 business days once Client’s documentation submitted and approved. The Company may cancel the Client’s withdrawal order, if, according to the Company’s discretion, the remaining funds (after the withdrawal) shall not be sufficient to secure open Position(s) in the Trading Account.


4.9 The Company shall debit the Client’s Trading Account for all payment charges. If the Client has the obligation to pay any amount to the Company which exceeds the amount held in the Client’s Trading Account, the Client shall immediately pay such amount upon Company’s request.


4.10 The Company shall not provide physical delivery in relation to any Transaction. As mentioned above, Profit or loss is credited to or debited to or from the Trading Account (as applicable) once the Transaction is closed.


4.11 A trading volume of deposit X 20 is required in order to make a withdrawal and also bonus amount X 50 to withdraw the Bonus.


5. Fees & Charges


5.1 The Company does not charge brokerage fees or commissions for executing trades.


5.2 The Company charges a fee for transfers of funds standing to the credit of a Trading Account from the Company to the Client, currently equivalent to 35 units per transfer.


5.3 The Company may levy an additional charge(s) on transfers of funds to be credited to a Trading Account made by debit card or credit card.


5.4 The Company may introduce additional fees and charges, and may change any existing fees and charges, at any time, by giving the Client not less than 10 Business Days’ notice of such changes.


6. Account Statements


6.1 Trading Account balances and statements are displayed within the trading platform made available to the Client by the Company. Common terms definitions can be found on the Company’s Website.


7.1 In order to withdraw your bonus you must first complete a turnover of bonus amount x50.


7.2 Company may offer the Client Bonus as Credit or tangible gifts, from time to time, at its sole discretion.


7.3 Bonuses and profits that are based, even partially, on use of bonus credit, shall be forfeited in case the Company suspects any act of fraud or breach of the Company’s Terms and Conditions by Client.


8. Privacy and Data Protection


8.1 The Company shall hold some personal client information due to the nature of the Company’s business and relations with the Client. All data collected, whether on paper (hard copy) or on a computer (soft copy) is safeguarded in order to maintain the Client privacy.


8.2 The Company shall be permitted to disclose and/or use the Client Information for the following purposes: (a) internal use, including with affiliated entities; (b) As permitted or required by law; (c) protection against or prevent actual or potential fraud or unauthorized transactions or behavior (d) computerized supervision of Client’s use of the services, review and/or supervision and/or development and/or maintenance of the quality of services; (e) to protect the Company’s rights or obligation to observe any applicable law.


8.3 The Client hereby grants his/her permission to the Company to make use of his/her details in order to provide updates and/or information and/or promotion or marketing purposes through the Clients E-mail address or other contact information. Cancellation of this consent shall be done in writing by providing written notice to the Company, and shall apply to new publications that have not been sent.


8.4 The Client agrees and acknowledges that the Company may record all conversations with the Client and monitor (and maintain a record of) all emails sent by or to the Company. All such records are the Company’s property and can be used by the Company, among other things, in the case of a dispute between the Company and the Client.


8.5 Affiliation - the Company may share commissions and charges with its associates, introducing brokers or other third parties (“Affiliates”), or receive remuneration from them in respect of contracts entered into by the Company. Such Affiliates of the Company may be disclosed with Client’s information.


8.6 The Company’s Trading Platform, Website or other services may require the use of ‘Cookies’.


9.1 The Client represents that it has been solely responsible for making its own independent appraisal and investigations into the risks of any Transaction. The Client represents that it has sufficient knowledge, market sophistication and experience to make its own evaluation of the merits and risks of any Transaction. The Company does not advise its Clients in regard to the expected profitability of any Transaction, and any tax or other consequences. The Client acknowledges that he has read and understood the Risk Disclosure Document which sets out the nature and risks of Transactions to which this Agreement relates.


9.2 Where the Company does provide market commentary or other information: (a) this is incidental to the Client’s relationship with the Company. (b) It is provided solely to enable the Client to make its own investment decisions.


9.3 The Company shall not be responsible for the consequences of the Client acting upon such trading recommendations, market commentary or other information.


9.4 The Client acknowledges that the Company shall not, in the absence of its fraud, willful default or gross negligence, be liable for any losses, costs, expenses or damages suffered by the Client arising from any inaccuracy or mistake in any information given to the Client.


9.5 The Company is under no obligation to assess the appropriateness of any Transaction for a Client, to assess whether or not the Client has the necessary knowledge and experience to understand the nature of and risks associated with the Transactions. All risks related to the above are under the sole responsibility of the Client.


9.6 Any tax applying on the Client and/or results from the Client’s trading activity, including trading profits and/or trading losses and/or any charges and/or deductions, shall be under the Client’s full and sole responsibility. The Client shall personally report and pay any personal, federal, state and local tax liability he is obligated to, if applied. The Company serves as a mediator only and does not collect deduct, pay or withhold tax from the Client. The Company reserves the right, if ordered by an official entity, to deduct tax from the Client and deliver it to the proper tax authority as ordered by the official entity.


10. Closing an account and cancellation of the agreement


10.1 Either party may terminate this Agreement by giving 10 (Ten) business days written notice by email to [email protected]. of termination to the other party. Either party may terminate this Agreement immediately in any case of any breach of this Agreement or event of Default by the other Party. Upon terminating notice of this Agreement, Client shall be under the obligation to close all open positions, otherwise, the notice shall become void, or the Company shall have the right to close all open positions without assuming any responsibility. Such closer may result in outcome that would be less favorable for the Client.


10.2 Termination shall not affect any outstanding rights and obligations according to the applicable law and the provisions of this this Agreement.


10.3 Upon termination, all amounts payable by Either Party to the other Party will become immediately due.


11. Limitations of Liability and Indemnities


11.1 THE SERVICES OF THE COMPANY ARE PROVIDED “AS IS” AND “AS AVAILABLE”, AND COMPANY MAKES NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT ANY AFFILIATED SOFTWARE, SERVICES OR COMMUNICATION THAT MAY BE OFFERED OR USED BY THE CLIENT SHALL ALWAYS BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM TRADING OR THE USE OF THE COMPANY’S SERVICES, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.


11.2 Client acknowledges and agrees that the Trading Platform follows the relevant market, whether the Client is in front of his computer or not, and whether the Clients computer is switched on or not, and will exercises the order left by the Client if applicable.


11.3 The Client shall, upon first demand by the Company, compensate the Company from and against all liabilities, damages, losses and costs (including reasonable legal costs), duties, taxes, charges, commissions or other expenses incurred by the Company.


11.4 The Company shall have the right to set-off any amount owed by the Company to the Client, against any debt or other obligation of the Client towards the Company. In any event of Default of Client (voluntary or involuntary insolvency procedures against the Client) all debts, future debts and other obligations of the Client towards the Company shall become immediately due.


12. General Provisions


12.1 Amendments – The Company has the right to amend the Agreement without obtaining any prior consent from the Client. If the Company makes any material change to the Agreement, it will give at least 10 (Ten) Business Days’ notice of such change to the Client. Such amendment will become effective on the date specified in the notice. Unless otherwise agreed, an amendment will not affect any outstanding order or Transaction or any legal rights or obligations which may already have arisen.


12.2 Partial invalidity - If, at any time, any provision of this Agreement is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, neither the legality, validity or enforce ability of the remaining provisions of this Agreement nor the legality, validity or enforce ability of such provision under the law of any other jurisdiction shall in any way be affected or impaired.


12.3 Joint account - If the Trading Account is a joint account (on the name of more than one entity), then each of the entities in the Trading Account shall be authorized to represent the other entities towards the Company, with no requirement of any prior notice or approval from the other entities. Each of the entities in the Trading Account agrees that any notice or instruction given by the Company to any of the entities shall be considered as given to all the entities. In case of contradiction between instructions given to the Company by different entities, then the last instruction received by the Company will prevail.


12.4 Notices – Unless otherwise agreed, all notices, instructions and other communications to be given by the Company shall be given to the address or fax number provided by the Client, or via e-mail or other electronic means, details of which are provided by the Client to the Company. Any complaint shall be directed to the Company’s client services department, who will investigate the complaint and make every effort to resolve it. Such a complaint should be made to: [email protected]


12.5 Governing Law – These Terms and any relationship between the Company and the Client shall be governed by law applicable in Belize and subject to the exclusive jurisdiction of Belize courts. The Company shall have the right, in order to collect funds owed to the Company by Client or to protect the Company’s rights such as good-name, intellectual property, privacy etc. to immediately bring legal proceedings against the Client, in the Client’s residency and according to the Client’s residency applicable law.


12.6 No Right to Assign - No rights under this Agreement shall be assignable nor any duties assumed by another party except to/by an affiliate of The Company. Upon assignment to an Affiliate of the Company, the terms of this Agreement may be amended to fit any applicable regulation effective upon the assignee, and Client hereby consent in advance to such regulatory modifications to this Agreement. This Agreement shall be binding upon and inure to the benefit of the successors heirs of the Client.


12.7 Dormant Trading - If the Client will not perform any trading activity or his trading activity will be in very low volume, for the time period defined by the Company, or if the Client does not hold minimum funds in his Trading Account, defined by the Company, the Company may, charge the Trading Account with Dormant Trading commission, at a rate to be determined by the Company from time to time, close any open trade and/or the Client access to the Trading Account and/or terminate this Agreement.


12.8 Language, Notices and Complaints – All communications between the Company and the Client will be in English or in any Language, suitable both to the Client and the Company.


12.9 Force majeure – The Company shall not bear responsibility to any harm or any form which shall be caused to the Client in the event that such harm is the result of a force majeure and any outside event which is not in the control of the Company which influences Trading. The Company shall not bear any responsibility for any delay in communications and/or failure in the internet, including, without limitation, computer crashes or any other technical failure, whether caused by the telephone companies and various telecommunication lines, the ISP computers, the Company’s computers or the Customer’s Computers.


We wish you successful trading!


Nextoption General Risk Disclosure


Trading in Binary Options is considered a risky and speculative investment venue.


The relevant markets for Trading are characterized as high volatile markets, which inherits high risk in evaluating the outcome of a binary option. The Company is not and will not, in any way, be responsible to the outcome of any transaction executed by the Client.


Client should never fund his trading activities with retirement savings, loans, mortgages, emergency funds, funds set aside for purposes such as education or home ownership, or funds required for current income or present or future medical expenses.


Not following the rules and regulations applicable to Trading or any other applicable regulation may result in forced closure of positions (“Trades”), temporary freezing of the Client’s account, closing the account and/or other actions necessary for the protection of the Company.


The Client must be knowledgeable in the use and functionality of the Trading software provided by the Company, or by any third-party provider, in order to correctly interpret account information and to be able to place orders correctly.


The Company makes no warranty regarding the effectiveness, accuracy or efficiency of the Trading Platforms. From time to time, the Client may have difficulty accessing its account data due to a possible myriad of technical problems. The Company makes no warranty of merchant ability, no warranty of fitness for a particular purpose, and no other warranty of any kind, express or implied, regarding this service, data or information provided thereby, or any aspect regarding the order entry or execution services, except as required by applicable law, regarding possible damages, including, but not limited to, lost profits, trading losses or damages that result from reliance on inaccurate data, or delay or loss of access to customer account execution services.


Client should reconcile his account on a frequent basis. Any suspected discrepancies should be immediately brought to Company’s attention. All trade confirmations and monthly statements will be deemed accepted by you if not complained of upon receipt.


The trading services provided are intended to provide professional and non-professional Traders with a mechanism for execution of trades. The Company is neither registered investment advisers nor broker dealers.


Cease of Trading – Due to the fact that commerce system is based, among others, on networks for the exchange of information and the Internet, the commerce or any part thereof may be ceased and/or disrupted and etc. without prior notice or for reasons which are not under the Company’s control. The Company shall be permitted, inter ilia, to close or adjust Client’s open transactions.


Términos y Condiciones


Nextoption Client Account Terms and Conditions


1.1 This client agreement (the “Agreement”)is entered by and between Nextoption (the “Company”) and the person and/or legal entity that has applied to open a trading account at the Company’s Binary Options trading platform (the “Client”), according to the terms and conditions detailed in this agreement.


1.2 Trading in Binary Options (“Trading”), means that a contract is being created which gives the Client the right to estimate the direction of change in price of an underlying asset, within a certain time frame determined by the Company. This trading instrument is different from trading in trading in ‘options’ in a traditional way, since there is a fixed return that is determined at the outset of the trade, such as: there is usually no Stop-Loss order and other features.


2. The Trading Account


2.1 Account Opening – Client may apply for an account through the Company’s website and the Company will accept such account opening application (the “Trading Account”) under the following terms: (i) the Company has received confirmation that the Client has agreed to enter into this Agreement (such confirmation can be made by checking the “I AGREE” button or link on the Company’s Internet website (the “Website”), followed by a completed application form (if applicable) and all other Client’s information required by the Company to be provided. The Client confirms that Client’s information is full, accurate and complete. If there is a change in the information provided by the Client, the Client must notify the Company immediately of any such change.


2.2 Usage of the Trading Platform is done through the Account, by a limited license provided by the Company to the Client. The license is personal, non-transferable and is for persons who are older than 18 years old (or older legal age, if the law applicable to the Client’s jurisdictions requires a higher legal age) and subject to this Agreement. The Client will not transfer, assign, or enable other to make any use of the license, and/or give the Clients access codes to the Trading Account to anyone. Any damage caused to the Client, the Company and any third party due to breach of this Agreement by Client, shall be under the Client’s sole responsibility.


2.3 Activation of the Trading Account – The Account will be activated by the Company as soon as the Company has identified the funds credited by the Client to the Trading Account. The Company may activate the Trading Account and permit trading in the Trading Account subject to such limitations, and to the satisfaction of such further requirements as the Company may impose. Where a Trading Account is not activated or is frozen, no funds held by the Company in respect of that Trading Account may be transferred back or to any other person until the Company is satisfied that all Applicable Regulations have been complied with.


2.4 The Company may act, according to the Company’s sole discretion, as principal or as agent on the Client’s behalf in relation to any Transaction entered into pursuant to the Agreement. Therefore the Company may act as the counter party to the Clients Trading activity. The Client confirms that it acts as the sole principal and not as agent or trustee on behalf of someone else.


2.5 The Client hereby represents and warrants that his engagement with the Company in this Agreement and his use of the Company’s services are in full compliance with the law applicable to the Client.


3. The Transactions


3.1 The Trading Platform enables Binary Options trading in exchange rates of different currencies, commodities, and any other financial instruments made available by the Company. The Trading Platform displays indicative quotes of exchange rates of different financial instruments pairs, based on different financial information systems, as the most updated exchange rates in the international capital markets. For determining the quotes for different time periods, the platform is making mathematical calculations according to known and accepted capital markets formulas. It is acknowledged by both Parties that due to different calculation methods and other circumstances, different trading platforms and/or markets may display different price quotes.


3.2 The Client will receive a predetermined pay-out if his binary option transaction expires in-the-money, and he will lose a predetermined amount of his investment in the Transaction if the option expires out-of-the-money. The predetermined amounts are a derivative of the collateral invested in the transaction by the Client, and will be published in the Trading Platform. The degree to which the option is in-the-money or out-of-the-money does not matter as it does with a traditional options


3.3 The Client authorizes the Company to rely and act on any order, request, instruction or other communication given or made (or purporting to be given or made) by the Client or any person authorized on the Client’s behalf, without further inquiry on the part of the Company as to the authenticity, genuineness authority or identity of the person giving or purporting to give such order, request, instruction or other communication. The Client will be responsible for and will be bound by all obligations entered into or assumed by the Company on behalf of the Client in consequence of or in connection with such orders, requests, instructions or other communication.


3.4 The Company reserves the right, but not obliged to the following: to set, at its absolute discretion, limits and/or parameters to control the Client’s ability to place orders or to restrict the terms on which a Transaction may be made. Such limits and/or parameters may be amended, increased, decreased, removed or added to by the Company.


3.5 Arbitrage/cancellation of orders and transactions – The Company does not allow actions or non-actions based on arbitrage calculations or other methods that are based on exploitation of different systems or platforms malfunction, delay, error etc. The Company is entitled, by its own discretion, to cancel any transaction that has been executed due or in connection with an error, system malfunction, breach of the Agreement by Client etc. The Company’s records will serve as decisive evidence to the correct quotes in the world capital markets and the wrong quotes given to the Client; The Company is entitled to correct or cancel any trade based according to the correct quotes.


3.6 Cancel Feature Abuse


Company offers a special cancellation feature that allows traders to cancel a trade within a few seconds of execution. Abuse of the cancellation feature can be considered market arbitrage and can result in forfeiture of profits. Company reserves the right to cancel a position if the cancellation feature is abused. The acceptable cancellation percentage cannot exceed 20% of the total number of executed trades. Cancelling more than 20% of the total number of executed trades is considered abuse of this feature and resulting profits may be forfeited from such abuse.


4.1 The Client may transfer funds to the Company with different methods of payment as permitted by the Company from time to time and in any currency (acceptable by the Company), and such funds will be converted and managed in the Trading Platform in US Dollars and/or Euro and/or GBP and/or CAD and/or AUD, as determined by the Company, according to an exchange rate determined by the Company’s according to the available market rates.


4.2 When making a bank transfer, the Client must send the Company an authentic SWIFT confirmation, stating full bank account details and proof that the bank account is registered under its name. Non-delivery of the SWIFT confirmation or in case that the details do not conform to the Client’s details registered at the Company may result in the funds not being credited to the Client’s Trading Account.


4.3 Whenever the Client transfers funds to the Company, those funds belong to the Company and will be treated by it as its own for the purpose of securing or covering the Client’s present, future, actual, contingent or prospective obligations, subject only to any contractual obligation of the Company to pay or return money to the Client according to the terms of this Agreement. The Client will not have a proprietary claim over money transferred to the Company, and the Company can deal with it in its own right. In determining the amount of collateral and the amount of the Company’s obligations to pay or return money to the Client, the Company may apply such methodology (including judgments as to the future movement of markets and values), as the Company considers appropriate.


4.4 The Funds deposited with the Company by the Client, together with any Profit or other Benefits the Client may be entitled to according to a specific agreement with the Company, shall be used as security to any Transaction, including Trading Losses, Commission and any other fee or debt owed by the Client to the Company, which will be automatically deducted from the Client’s equity in the Trading Account. The Client’s Funds shall not accumulate any interest or any other benefits. Trading in binary options that relate to a reference security shall not grant the Client any right to dividends, voting, allocations or any other Benefits, but may be subject to adjustments according to financial or corporate events which may have an effect the reference security, such as distribution of dividends, splits etc.


4.5 Repayment of any funds by the Company to the Client will be in the same currency and to the same account/credit card from which the funds were originally transferred, unless the Company has decided, by its own discretion, to return the funds to a different account of the Client.


4.6 The Client declares that all funds that it transfers to the Company do not derive from any criminal or other illegal activity and without any violation of any applicable anti money laundering laws and regulations.


4.7 The Client will have no claim against the Company and will not hold the Company responsible for any delay and/or differences originating from a credit company’s, banks or other financial institutions rates calculation and/or commission and/or any other debit.


4.8 Withdrawals – In case the Client gives an instruction to withdraw funds from the Trading Account, the Company shall pay the specified amount (less any transfer charges, if applicable) once a duly instruction has been accepted and at the moment of payment, the Client’s margin requirements have been met. Withdrawal procedure takes 7 business days once Client’s documentation submitted and approved. The Company may cancel the Client’s withdrawal order, if, according to the Company’s discretion, the remaining funds (after the withdrawal) shall not be sufficient to secure open Position(s) in the Trading Account.


4.9 The Company shall debit the Client’s Trading Account for all payment charges. If the Client has the obligation to pay any amount to the Company which exceeds the amount held in the Client’s Trading Account, the Client shall immediately pay such amount upon Company’s request.


4.10 The Company shall not provide physical delivery in relation to any Transaction. As mentioned above, Profit or loss is credited to or debited to or from the Trading Account (as applicable) once the Transaction is closed.


4.11 A trading volume of deposit X 20 is required in order to make a withdrawal and also bonus amount X 50 to withdraw the Bonus.


5. Fees & Charges


5.1 The Company does not charge brokerage fees or commissions for executing trades.


5.2 The Company charges a fee for transfers of funds standing to the credit of a Trading Account from the Company to the Client, currently equivalent to 35 units per transfer.


5.3 The Company may levy an additional charge(s) on transfers of funds to be credited to a Trading Account made by debit card or credit card.


5.4 The Company may introduce additional fees and charges, and may change any existing fees and charges, at any time, by giving the Client not less than 10 Business Days’ notice of such changes.


6. Account Statements


6.1 Trading Account balances and statements are displayed within the trading platform made available to the Client by the Company. Common terms definitions can be found on the Company’s Website.


7.1 In order to withdraw your bonus you must first complete a turnover of bonus amount x50.


7.2 Company may offer the Client Bonus as Credit or tangible gifts, from time to time, at its sole discretion.


7.3 Bonuses and profits that are based, even partially, on use of bonus credit, shall be forfeited in case the Company suspects any act of fraud or breach of the Company’s Terms and Conditions by Client.


8. Privacy and Data Protection


8.1 The Company shall hold some personal client information due to the nature of the Company’s business and relations with the Client. All data collected, whether on paper (hard copy) or on a computer (soft copy) is safeguarded in order to maintain the Client privacy.


8.2 The Company shall be permitted to disclose and/or use the Client Information for the following purposes: (a) internal use, including with affiliated entities; (b) As permitted or required by law; (c) protection against or prevent actual or potential fraud or unauthorized transactions or behavior (d) computerized supervision of Client’s use of the services, review and/or supervision and/or development and/or maintenance of the quality of services; (e) to protect the Company’s rights or obligation to observe any applicable law.


8.3 The Client hereby grants his/her permission to the Company to make use of his/her details in order to provide updates and/or information and/or promotion or marketing purposes through the Clients E-mail address or other contact information. Cancellation of this consent shall be done in writing by providing written notice to the Company, and shall apply to new publications that have not been sent.


8.4 The Client agrees and acknowledges that the Company may record all conversations with the Client and monitor (and maintain a record of) all emails sent by or to the Company. All such records are the Company’s property and can be used by the Company, among other things, in the case of a dispute between the Company and the Client.


8.5 Affiliation - the Company may share commissions and charges with its associates, introducing brokers or other third parties (“Affiliates”), or receive remuneration from them in respect of contracts entered into by the Company. Such Affiliates of the Company may be disclosed with Client’s information.


8.6 The Company’s Trading Platform, Website or other services may require the use of ‘Cookies’.


9.1 The Client represents that it has been solely responsible for making its own independent appraisal and investigations into the risks of any Transaction. The Client represents that it has sufficient knowledge, market sophistication and experience to make its own evaluation of the merits and risks of any Transaction. The Company does not advise its Clients in regard to the expected profitability of any Transaction, and any tax or other consequences. The Client acknowledges that he has read and understood the Risk Disclosure Document which sets out the nature and risks of Transactions to which this Agreement relates.


9.2 Where the Company does provide market commentary or other information: (a) this is incidental to the Client’s relationship with the Company. (b) It is provided solely to enable the Client to make its own investment decisions.


9.3 The Company shall not be responsible for the consequences of the Client acting upon such trading recommendations, market commentary or other information.


9.4 The Client acknowledges that the Company shall not, in the absence of its fraud, willful default or gross negligence, be liable for any losses, costs, expenses or damages suffered by the Client arising from any inaccuracy or mistake in any information given to the Client.


9.5 The Company is under no obligation to assess the appropriateness of any Transaction for a Client, to assess whether or not the Client has the necessary knowledge and experience to understand the nature of and risks associated with the Transactions. All risks related to the above are under the sole responsibility of the Client.


9.6 Any tax applying on the Client and/or results from the Client’s trading activity, including trading profits and/or trading losses and/or any charges and/or deductions, shall be under the Client’s full and sole responsibility. The Client shall personally report and pay any personal, federal, state and local tax liability he is obligated to, if applied. The Company serves as a mediator only and does not collect deduct, pay or withhold tax from the Client. The Company reserves the right, if ordered by an official entity, to deduct tax from the Client and deliver it to the proper tax authority as ordered by the official entity.


10. Closing an account and cancellation of the agreement


10.1 Either party may terminate this Agreement by giving 10 (Ten) business days written notice by email to [email protected]. of termination to the other party. Either party may terminate this Agreement immediately in any case of any breach of this Agreement or event of Default by the other Party. Upon terminating notice of this Agreement, Client shall be under the obligation to close all open positions, otherwise, the notice shall become void, or the Company shall have the right to close all open positions without assuming any responsibility. Such closer may result in outcome that would be less favorable for the Client.


10.2 Termination shall not affect any outstanding rights and obligations according to the applicable law and the provisions of this this Agreement.


10.3 Upon termination, all amounts payable by Either Party to the other Party will become immediately due.


11. Limitations of Liability and Indemnities


11.1 THE SERVICES OF THE COMPANY ARE PROVIDED “AS IS” AND “AS AVAILABLE”, AND COMPANY MAKES NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT ANY AFFILIATED SOFTWARE, SERVICES OR COMMUNICATION THAT MAY BE OFFERED OR USED BY THE CLIENT SHALL ALWAYS BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM TRADING OR THE USE OF THE COMPANY’S SERVICES, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.


11.2 Client acknowledges and agrees that the Trading Platform follows the relevant market, whether the Client is in front of his computer or not, and whether the Clients computer is switched on or not, and will exercises the order left by the Client if applicable.


11.3 The Client shall, upon first demand by the Company, compensate the Company from and against all liabilities, damages, losses and costs (including reasonable legal costs), duties, taxes, charges, commissions or other expenses incurred by the Company.


11.4 The Company shall have the right to set-off any amount owed by the Company to the Client, against any debt or other obligation of the Client towards the Company. In any event of Default of Client (voluntary or involuntary insolvency procedures against the Client) all debts, future debts and other obligations of the Client towards the Company shall become immediately due.


12. General Provisions


12.1 Amendments – The Company has the right to amend the Agreement without obtaining any prior consent from the Client. If the Company makes any material change to the Agreement, it will give at least 10 (Ten) Business Days’ notice of such change to the Client. Such amendment will become effective on the date specified in the notice. Unless otherwise agreed, an amendment will not affect any outstanding order or Transaction or any legal rights or obligations which may already have arisen.


12.2 Partial invalidity - If, at any time, any provision of this Agreement is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, neither the legality, validity or enforce ability of the remaining provisions of this Agreement nor the legality, validity or enforce ability of such provision under the law of any other jurisdiction shall in any way be affected or impaired.


12.3 Joint account - If the Trading Account is a joint account (on the name of more than one entity), then each of the entities in the Trading Account shall be authorized to represent the other entities towards the Company, with no requirement of any prior notice or approval from the other entities. Each of the entities in the Trading Account agrees that any notice or instruction given by the Company to any of the entities shall be considered as given to all the entities. In case of contradiction between instructions given to the Company by different entities, then the last instruction received by the Company will prevail.


12.4 Notices – Unless otherwise agreed, all notices, instructions and other communications to be given by the Company shall be given to the address or fax number provided by the Client, or via e-mail or other electronic means, details of which are provided by the Client to the Company. Any complaint shall be directed to the Company’s client services department, who will investigate the complaint and make every effort to resolve it. Such a complaint should be made to: [email protected]


12.5 Governing Law – These Terms and any relationship between the Company and the Client shall be governed by law applicable in Belize and subject to the exclusive jurisdiction of Belize courts. The Company shall have the right, in order to collect funds owed to the Company by Client or to protect the Company’s rights such as good-name, intellectual property, privacy etc. to immediately bring legal proceedings against the Client, in the Client’s residency and according to the Client’s residency applicable law.


12.6 No Right to Assign - No rights under this Agreement shall be assignable nor any duties assumed by another party except to/by an affiliate of The Company. Upon assignment to an Affiliate of the Company, the terms of this Agreement may be amended to fit any applicable regulation effective upon the assignee, and Client hereby consent in advance to such regulatory modifications to this Agreement. This Agreement shall be binding upon and inure to the benefit of the successors heirs of the Client.


12.7 Dormant Trading - If the Client will not perform any trading activity or his trading activity will be in very low volume, for the time period defined by the Company, or if the Client does not hold minimum funds in his Trading Account, defined by the Company, the Company may, charge the Trading Account with Dormant Trading commission, at a rate to be determined by the Company from time to time, close any open trade and/or the Client access to the Trading Account and/or terminate this Agreement.


12.8 Language, Notices and Complaints – All communications between the Company and the Client will be in English or in any Language, suitable both to the Client and the Company.


12.9 Force majeure – The Company shall not bear responsibility to any harm or any form which shall be caused to the Client in the event that such harm is the result of a force majeure and any outside event which is not in the control of the Company which influences Trading. The Company shall not bear any responsibility for any delay in communications and/or failure in the internet, including, without limitation, computer crashes or any other technical failure, whether caused by the telephone companies and various telecommunication lines, the ISP computers, the Company’s computers or the Customer’s Computers.


We wish you successful trading!


Nextoption General Risk Disclosure


Trading in Binary Options is considered a risky and speculative investment venue.


The relevant markets for Trading are characterized as high volatile markets, which inherits high risk in evaluating the outcome of a binary option. The Company is not and will not, in any way, be responsible to the outcome of any transaction executed by the Client.


Client should never fund his trading activities with retirement savings, loans, mortgages, emergency funds, funds set aside for purposes such as education or home ownership, or funds required for current income or present or future medical expenses.


Not following the rules and regulations applicable to Trading or any other applicable regulation may result in forced closure of positions (“Trades”), temporary freezing of the Client’s account, closing the account and/or other actions necessary for the protection of the Company.


The Client must be knowledgeable in the use and functionality of the Trading software provided by the Company, or by any third-party provider, in order to correctly interpret account information and to be able to place orders correctly.


The Company makes no warranty regarding the effectiveness, accuracy or efficiency of the Trading Platforms. From time to time, the Client may have difficulty accessing its account data due to a possible myriad of technical problems. The Company makes no warranty of merchant ability, no warranty of fitness for a particular purpose, and no other warranty of any kind, express or implied, regarding this service, data or information provided thereby, or any aspect regarding the order entry or execution services, except as required by applicable law, regarding possible damages, including, but not limited to, lost profits, trading losses or damages that result from reliance on inaccurate data, or delay or loss of access to customer account execution services.


Client should reconcile his account on a frequent basis. Any suspected discrepancies should be immediately brought to Company’s attention. All trade confirmations and monthly statements will be deemed accepted by you if not complained of upon receipt.


The trading services provided are intended to provide professional and non-professional Traders with a mechanism for execution of trades. The Company is neither registered investment advisers nor broker dealers.


Cease of Trading – Due to the fact that commerce system is based, among others, on networks for the exchange of information and the Internet, the commerce or any part thereof may be ceased and/or disrupted and etc. without prior notice or for reasons which are not under the Company’s control. The Company shall be permitted, inter ilia, to close or adjust Client’s open transactions.


Política de privacidad


1.By accessing, visiting and/or using this Website or any other webpage thereon, you unequivocally and unreservedly express your binding agreement to any and all of these terms.


2. Protecting your privacy is one of our top priorities. This privacy policy sets out how we collect information regarding Website users, what we may do with it, and what you can do to protect your privacy.


3. This policy applies to all information collected to or submitted on Website. You may be able to execute financial transactions, make requests, submit data, register to receive materials, etc. Types of personal information that may be collected on Website include user’s name, home address, e-mail address, telephone number, bank account, credit card number, etc. whether pertaining to yourself, or to third parties, where you act on behalf of any such party. Information from various sources may be combined by Website. You may update part of your personal information from time to time by accessing your Site account and act according to the “updating your information” instructions therein. You hereby confirm that you aware to the fact that due to legal requirements some of your information detailed cannot be changed.


4. Website may also collect other types of information, as logged by Website’s servers, including your IP address, browser type and language, and the date and time of your visit, in order to infer certain user trends or to block certain users from accessing Website. Thus, Website may assign your computer one or more cookies which may collect information in order to facilitate access to Website and to personalize your online experience, and/or use standard or non-standard internet tools, such as web beacons or monitoring programs, which collect information that tracks your use of Website and enables it to customize our services and promotions.


5. Personal information given to us by you shall not be disclosed to any third party without your prior consent, unless such information: (i) is required to be disclosed to related companies of ours; (ii) was publicly known to us and/or made generally available in the public domain prior to the time of disclosure by you; (iii) becomes publicly known and made generally available after disclosure by you to us through no action or inaction of us; (iv) is required to be disclosed by law or regulation, in which case we shall give the you as much advance notice of the proposed disclosure as is practical (including a copy of any written request or order)in order to allow you to limit or restrict such disclosure; (v) is furnished or made known to us by a third party otherwise than in breach of any of our confidentiality obligation hereunder; is independently developed by us without reference to the information disclosed by you or was known to us, without restriction, at the time of disclosure by you, as shall be shown and evidenced by written documents; or (vii) is required to be disclosed in order for us to protect our rights.


6. In order to prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.


7. In order to protect child privacy, we never knowingly collect or maintain information from users under 18; no part of our website is structured to attract anyone under 18.


8. If you so wish, you may choose and ask not to receive emails and/or newsletters from the Website, and/or delete or decline cookies by changing your browser settings.


9. This privacy policy may be changed from time to time. We reserve the right, at any time, to amend, alter, modify or change, as we see fit, any term of this Privacy Policy our without any prior notice, and you hereby agree to conform to the current version as published in this site.


Seguridad


NextOption views its customers’ information security as being of the utmost importance, and therefore invests considerable resources for protecting customers’ information securely while enabling interaction with the site and utilizing the most advanced and powerful security procedures and encryption systems available worldwide.


Recommendations and guidelines for the use of this site Encrypted Communications


You should verify that either a closed lock is shown in the upper or lower section of the window, or a complete key (depending upon which browser version is installed on your computer). This symbol will appear when you execute transactions in your account. Double-clicking on the lock or key symbol will display the digital certificate issued to this site. Verify that the issuing organization is “GoDaddy” and that the certificate was issued to NextOption.


You access the system by entering a username and password. This data is personal and must not be divulged to others. While logging into the system using your personal identifying details, it is recommended that no unauthorized persons are in your vicinity who can view this information.


Your personal password must never be divulged to others, not even to service personnel. If anyone requests your password, do not disclose it and immediately notify customer service.


Never save your username or password on or near a computer.


Selection of password – You should choose a password that cannot be easily deciphered. Furthermore, your password should consist of random characters and digits.


Password replacement – You should change your password every three months. In the event that your password may have been revealed to others – immediately change the password.


End of Activity in the System


Exit the system by a press on “Logout”.


Information Security Resources in the NextOption System


Access to the site system is secured and controlled by a firewall that enables access only to those services that are required by the system.


Information transmitted between the site and your personal computer is encrypted using a 128 bit ssl encryption certificate that has been provided for the site by “GoDaddy”.


NextOption supervises and controls the systems’ communications, and records all activities taking place in the system.


Routine information security checks are carried out by our information security experts.


Identity verification in Binary Options


There have been many controversies and confusion among many newcomers to the online binary options trading world about the process of identity verification and the requirements imposed by binary options brokers. Most of the concerns are centered on the possibility of identity theft by unscrupulous brokers. So why do binary options brokers have to ask their clients to provide sensitive information like copies of your passport or driver license, credit card and utility bills?


Security Requirement


First of all, it should be stressed that all licensed and regulated binary options brokers are legally obligated to confirm the identity of clients before any funds can be paid out. This is because of the “Know Your Customer” (KYC) policy that was put in place to prevent money laundering. In fact this requirement is applicable to all financial institutions like banks, forex brokers, pawnshops, online casinos and not just particular to binary options brokers.


List of Documents Required


Normally when trying to verify your identity, the broker will request you to provide a list of documents such as:


Documents that confirms your identity


Normally binary options brokers will request that you submit to them a scanned copy of your driver license or passport. These documents are most widely requested because they include a picture of the owner of these documents as well as being government issued. Nevertheless, any government issued ID cards are also accepted by brokers as proof of your identity.


Documents confirming the client’s address


Another important document that binary options brokers require for verification purposes is a document that can confirm the client’s residence address. This can be any scanned copies of utility bills or bank statement. What is important here is that the document clearly states the address and contains the name of the client as stipulated in his passport or driver license.


Deposit Confirmation


Brokers will also require their clients confirm the deposit methods used by them to deposit their funds. If their clients have deposited their funds by credit cards, then they are required to furnish a copy of the credit card used to fund their trading accounts. However, if the deposit method is by way of an e-wallet then a screenshot showing the transaction will be required.


When sending a copy of your credit card, make sure you blank out the first 12 digits of your card number on the front side. On the backside, the 3 digits CVV/CVC code should also be blanked out. This helps to ensure that the credit card information that you sent to the broker cannot be used for any unauthorized transaction.


To get a screenshot of your e-wallet transaction, first press the “PrtSc” key to make a snapshot of your screen. Next, open any text or graphic editor and right click your mouse button to paste the image onto the text or graphic editor. Finally save the file and sent it to the broker.


As we can see from the above, the process of verification is a straight forward process. Normally, this step is required when you want to withdraw your funds for the first time. However, it is also possible that the broker require you to verify your identity immediately after you made your first deposit.


It should be remembered that this verification process is a requirement imposed by the regulators and is not done at the whims and fancy of the broker. And if you feel uncomfortable sending these information to your broker, then you should ask yourself why are you trading with them in the first place?


Disclosure Of Risk


BinaryOptionsLeader. com and all entities associated with it accept no responsibility for any loss or damage caused by reliance on the information contained within this website. This includes analysis, news, education material, and market quotes. Please be aware of the risks associated with trading the financial markets, do not invest more money than you can afford to lose. The risks involved in trading binary options can be high and may not be suitable for all investors. BinaryOptionsLeader is not responsible for any trading loss of its readers using the data contained on this site. Prices may be different and not always accurate to real-time prices. They are provided solely as a guide to trading.


Copyright 2017 Binary Options Leader ·


What are the warning signs of fraud?


Binary options trading is a legitimate form of online trading but the industry has witnessed a sharp rise in binary options scams in recent years and an increase in the number of complaints of fraud. Fraudulent schemes involving binary options trading platforms allegedly include refusing to credit client accounts or reimburse funds to clients after accepting money; identity theft (such as collection of credit card and driver’s licence data for unspecified uses); Y manipulación de software para generar operaciones perdedoras.


Of course there will always be an element of risk when you enter into any transaction, but you can help protect your interests by doing your homework and checking for warning signs of potential fraud. Watch out for the following red flags:


1. Be skeptical about promises that sound too good to be true: “You can make six figure profits within a year”. If it sounds too good to be true, it probably is!


2. Be wary of unsolicited phone calls, especially those from overseas salespersons or companies that are unfamiliar. Make sure that anyone offering binary options is properly regulated and has a reputable business history.


3. Be wary of high-pressure efforts to convince you to deposit or transfer cash immediately to the firm. If a binary options provider requests a photocopy of your credit card, do not provide this!


4. Be wary of automatic trading bot software or signal providers claiming high win rates (typically over 75%).


Beware of providers claiming to accept U. S. customers. It is unlawful to solicit and accept U. S. customers without being registered with the U. S. Commodity Futures Trading Commission (CFTC). There currently are only three designated contract markets offering binary options in the U. S. Cantor Exchange LP; Chicago Mercantile Exchange, Inc.; and the North American Derivatives Exchange, Inc. All other entities offering binary options to U. S. customers are doing so illegally. For more information, check the CFTC website .


Questions to ask


It’s important to ask the right questions about the company your dealing with. Some key points to keep in mind when choosing your provider are:


1. Regulation . Are you regulated? By whom?


2. Dispute resolution . Are you a member of an approved dispute resolution scheme? Which one?


3. Safety of funds . Are client funds segregated from the company’s own funds? What is your withdrawal policy?


4. Price transparency . How are prices determined? Do they reflect the underlying market price or is there a spread?


5. Flexibility . Am I able to close my position before expiration?


6. Bonus offers . What are the conditions attached to bonuses?


7. Train ing . How are you qualified to provide me this service?


Ask for all information in writing. Do not rely on oral promises or statements. Ask anyone not willing to comply why they are hesitant to do so.


Be smart about the money you do put at risk. Even when purchased through the most reputable dealer, binary options are extremely risky. If you are tempted to trade, make sure you understand these products and above all, only invest what you can afford to lose.


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BinaryOptions. com - El sitio de opciones binarias más informado, conocedor y educativo


Binary Options Brokers which Accept Debit Cards


1. Why use a Debit Card?


Possibly the most popular method to transfer money into an out of binary options trading account is the usage of debit cards. Most professional traders prefer this option because of its speed, security and reliability. For instance, funds can be credited to your account almost instantaneously. One of the major advantages of this technique is that you will be withdrawing funds straight from your own bank account.


As you will therefore be trading your own money; you will, no doubt, be more careful of the size of your investments by not risking more than you can comfortably afford. This particular benefit of debit cards starkly contrasts with those associated with credit cards which could readily seduced into adopting a more ‘gung-ho’ approach by depositing larger sums of borrowed money. You must strive to avoid such practices as you could quickly engulf yourself in serious debt if you continuously implemented such a strategy. Funding your binary options trading account using a debit card can prevent you from falling into such a trap.


In addition, several debit card payment processors, such as Visa, have recently instigated enhanced security systems that will guarantee the safety of all your transactions from identity theft and fraud. Consequently, many premier binary options brokers have negotiated special arrangements with major debit card providers ensuring that you will now obtain the most streamlined services possible.


Another important advantage of using a debit card as opposed to a credit card is that the former will not incur any interest charges. As the latter will definitely do so, you will experience much greater difficulty acquiring steady profits if you opt for this more expensive choice. For instance, even if you win after depositing funds by deploying a credit card; the interest charged with slice deeply into your profits. Alternatively, you will have total access to all your binary options winnings if you make investments using a debit card.


2. How to locate Brokers Supporting Debit Cards


You will discover that the majority of binary options brokers support transactions using debit cards. Possibly the best method of confirming whether those brokers, that attract your attention, satisfy this important stipulation is to read reviews on each one. You can locate such material by undertaking an appropriate internet search containing the name of your chosen Broker.


A major development that has recently occurred which has been definitely boosted the image and integrity of the binary options industry was the announcement by Visa that it was permitting the usage of its cards to deposit and withdraw funds from binary options accounts. As a direct result of this important event, the number of brokers now accepting debit cards, as one of their preferred methods for processing money electronically, has dramatically increased.


3. Binary options Brokers that accept Debit Cards


Here is a list of brokers that support this important payment processing option.


3.1. StockPair


StockPair is one of the most inventive binary option brokers existing on the binary options market today. The company was created in 2010 and it is located in Cyprus. Nextrade Worldwide Ltd operates the StockPair trading platform which provides real-time and accurate pricing; innovative visual facilities; is 100% web-based and is renowned for being very user-friendly. StockPair supports as many as six international languages including English, Spanish, Italian, French, Dutch and Arabic.


3.2. AnyOption


AnyOption is a primary binary option broker which created the original 100% web-based platform during the latter part of 2008. Consequently, this broker is deemed to be a pioneer in this relatively new business sector.


Unlike many of its rivals, AnyOption presents a frank and honest approach to binary options trading. For example, this broker does not promote lavish and unsustainable bonuses. In contrast, Anyoption aims to provide a straight-forward environment allowing its users to deposit and begin trading with minimum fuss. In fact, many professions evaluate AnyOptions conventional attitude as the corner-stone for its success.


3.3. 24Options


This broker has certainly attained an enviable reputation since its inception for exhibiting high transparency and integrity. This inspiring achievement is mainly due to 24Options acquiring the coveted status of full regulation. This professional image is boosted even further by a high-quality customer service and a user-friendly trading platform.


Since its launch during the latter part of 2009, 24Options has experienced increasing popularity which has specifically emulated from its exclusive and groundbreaking 100% web-based trading platform. This remarkable tool has been created to supply you with the optimum facilities at the correct time in compliance with ever-evolving market conditions.


RBOPTIONS


Since 2017, Canadian based brokerage RBOPTIONS has claimed to be one of the best binary options brokers in the industry, and after a thorough review, our findings prove them to be true to their word. Through a combination of a simple trading platform and transparent pricing, the brokerage enables both new and veteran traders to profit handsomely from the financial markets. Clients are also supported by a team of investment experts who provide high-caliber trading advice and excellent 24/7 customer service.


New Accounts RBOPTIONS aims to make the entire process of Binary Options trading easy. From opening an account to making withdrawals, every step is hassle free. As the brokerage has currently applied for regulation through CySec, the new account process meets strict regulatory guidelines to protect traders from fraud and identity theft, while complying with international standards for the prevention of money laundering. The verification documents can all be submitted by email, or uploaded online, allowing account activation within 1-2 business days.


Deposits RBOPTIONS gives traders a wide range of deposit methods, including MasterCard, Visa, Moneybookers (Skrill), and wire transfers. As an added benefit, funds sent in by Moneybookers are credited to your account as soon as 24 hours after the processing of your withdrawal request. New accounts can be activated with an initial deposit starting from as low as $250.


Withdrawals RBOPTIONS is one of the only Binary Options brokers to offer guaranteed same day credit card withdrawal approvals for verified Broker, and VIP clients (applies to non-bonus leveraged accounts only). When requests are received by 10am GMT, the brokerage will approve withdrawals and release the funds on the same day, no questions asked.


Withdrawals by wire are also handled in a timely manner, with funds available within 3-7 business days after the processing of withdrawals.


Bonuses RBOPTIONS also encourages new traders by granting a welcome bonus on deposits, ranging from 25-150% of the amount first placed into a new account. Serious traders can also take advantage of RBO rewards, consisting of high-end Apple products available to Gold, Broker, and VIP account holders.


Education RBOPTIONS offers a number of tools to learn how to trade Binary Options effectively. Every trader receives an e-book which covers the basics of placing a trade, along with a detailed explanation of Binary Options terminology. Demo accounts which mirror real-time trading conditions provide ample practice and speed up building proficiency. Daily market reviews by professional traders give account holders insights on trending instruments and current events which are likely to affect the markets.


Gold, Broker, and VIP level traders can benefit from additional value added services, including private trading lessons, monthly webinars, and the VIP mentorship program which assigns a personal broker focused solely on meeting your needs.


Trading Options RBOPTIONS clients can use the popular Spot Option trading platform to choose from both short-term and long-term trades, with time frames starting as short as 60 seconds. The brokerage gives some of the highest payouts in the industry, with an average of 85%.


The innovative “Buy Me Out” feature offers protection against losing trades, as you can partially recoup losses before the original window closes. Additionally, the feature can be used to take a smaller profit immediately if you wish to close out of a trade early.


Winning positions can be copied quickly with the “Double Up” feature which instantly creates a duplicate trade. And if an option appears to be a winner over the long haul, profitable trades can be “rolled over” to maximize earnings.


In a nod to the growing popularity of social trading, RBOPTIONS has added a “Spot Follow” feature, allowing you to search out master traders by preferred instrument, and then select the perfect candidates to follow. Copied trades can be customized on a per trader basis to create unique follow periods, investment amounts, and overall investment limits.


Review Summary With a clear trading platform, and strong commitment to ongoing education, we can definitely recommend RBOPTIONS to the novice Binary Options trader. Experienced investors will also benefit thanks to the brokerage’s hefty bonus and rewards programs, and comprehensive money management services.


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Try this link for more information related to binary options brokers as well as binary options broker reviews.


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OptionRally Overview


Capturas de pantalla


Basics


Caracteristicas


Review Last Updated 2017-01-13 15:41:30


Editor’s Note – Why does OptionRally suck in 50 words


Last time we’ve reviewed this broker my only complaint was the very small trading platform, and maybe the average low returns. Approx. 6 Months later, I’m feeling very disappointed with the amount of complaints concerning withdrawals, pricing, support and bonus terms. Basically, everything that a trader can complain about… Not a good sign when existing clients tell you to stay away from a broker.


Why doesn’t OptionRally suck in 50 words


OptionRally has one of the best educational materials that I ever saw in a binary broker, ranging from free videos to a comprehensive Glossary, daily and weekly market analysis and some actually good strategies. It really feels like this broker wants me to succeed, and is not just filling my head with crap. Thumbs up for that. Another good news is that OptionRally is now regulated by CySEC and they have recently updated their website appearance, making it flashier, in my opinion. Whether you like that or not, it’s up to you to decide.


OptionRally Full Review – Rallying The Markets


OptionRally. eu new address now appears on both cysec. gov and optionrally. eu: 1, Griva Digeni Street, ZAVOS KRIEL COURT, CY-3035 Limassol, Cyprus. The regulatory agency is of course the Cyprus Securities and Exchange Commission and the license number is 220/13, obtained in 07/11/2017. The company’s incorporation number is 301842 and their listed telephone number is 22 030 117. OptionRally. com is operated by TCM investments Ltd which is authorized and regulated by the Belize International Financial Services Commission under IFSC License number: IFSC/60/422/TS/15


OptionRally’s platform is a SpotOption technology very well implemented and all the information is easily available in what soon became clear to be a well organized website. Once I opened an account, the actual trading platform became larger and all its features became visible: 60 seconds, One Touch, Option Builder and Binary Meta. Also the assets became easier to choose and overall, it felt like a professional trading environment. The highest payout they offer is a respectable 81% and the refund can go up to 15% but they can both be modified through the Option Builder feature. Again, not bad trading conditions, but not exceptional either. OptionRally differentiates the trading accounts based on the minimum deposited amount and personally I find that to be a marketing trick, luring you with a higher first deposit bonus, an e-book or a dedicated account manager if you deposit more. Those are features offered by most brokers even for the minimum deposit, but OptionRally wants me to deposit a minimum of $1000 if I want an account manager or an e-book. Furthermore, they have an account named “Executive” which requires me to deposit any amount in the range of $5000 – $9999 and say that it is “Highly Recommended for beginners”. Allow me to disagree. That range of first deposit is way too high for a newbie and OptionRally should know better than to recommend something like that to a beginner. On a recent visit we noticed that they have removed from their website the information about the amount required to open each type of account. It could mean they want to change them or simply they don’t want anyone to know these amounts (no idea why they wouldn’t want this to be public). Update Jan 2017: I contacted their support to get the exact sums needed for each account and the answer was not surprising at all: they wanted to know my account number and when I told them I don’t have one they gave me a link to open one… duh. Just think about it: Client - Hey man, what is the minimum deposit for say… an Executive account? Customer Support – Hey, why don’t you open one and see then!?


Ok, I saved the best for last. This feature is a first for me when it comes to binary brokers: candlestick charts. Could it be that we start to see brokers actually emphasizing the importance of Technical Analysis and recognizing its advantages? The feature becomes available once you open an account, with no need of depositing but don’t get too excited yet: you cannot attach any indicators on the Basic Charts and you can’t even draw a simple trend line or S/R level. That is so primitive that I had to check my calendar to make sure I am in the year 2017. But what am I doing here? When I can simply use their latest feature; “Advanced Charts” that allows you to customize it to your own strategy and needs. At least OptionRally tries to advance a bit and that in my book is commendable. Thumbs up again. Update August 2017: Their Advanced Charts don’t work anymore and clicking on the link just gets you an error message. Could be a temporary problem but we cannot spend all our time on OptionRally’s website to see when they decide to fix one of their features. If at the time of reviewing a feature doesn’t work, then they don’t get any bonus points for it. Update January 2017: Nope, Advanced Charts are still “missing in action”. All you get is a Forbidden message. Maybe I need a live and funded account?


Is OptionRally a Scam?


I cannot decide 100% if they OptionRally is a scam or not, even though they’re seemingly regulated and legit. Recent developments have come to our attention: since the new update to their website, the amounts required for the different types of accounts are not displayed anymore you will have to talk to one of their representatives for exact information… but be prepared to not get that info before you open an account.


They also like to keep their clients in the dark… mostly. They don’t tell how much the client needs to deposit in order to open each type of account and throughout their Terms and Conditions they leave a lot of room for interpretation, thus overall I feel I am dealing with a slippery company. That being said, they are regulated by CySEC so they have at least a small amount of supervision but as we all know, CySEC is not the most feared binary options watchdog, so I can’t be overly enthusiastic about their regulation.


OptionRally Complaints


According to some complaints on the Internet, it seems like OptionRally closes accounts that show profit under the excuse of abusive trading patterns. I do not know what these patterns are or how OptionRally decides whether your patterns is abusive or not but it seems they don’t really like winners. Our OptionRally Review page is full of angry customers but some opinions also favor the brokerage so you might wanna check it out to get a feel of what people are saying about this brokerage. If you feel you have been mistreated, contact OptionRally and if the issue is not solved, use this link to file a complaint with their regulatory agency, CySEC.


OptionRally Bonus


Their bonus differs for each type of account, ranging from 15% of the value of the first deposit for the Mini Trading account and going as high as 25% for the VIP account. They also have additional, smaller bonuses for each future deposit. To withdraw the bonus amount you have to trade fifty (50) times the bonus in only 150 days according to their Terms & Condiciones. But if you receive some “special” bonuses, the volume you have to trade increases and it’s directly correlated to the type of bonus that you receive. Unfortunately this information is not available in their “Terms and Condition” and it was provided to me by Customer Support, a fact that I find disturbing because they can change it anytime saying that the Customer Support person made a mistake. For more information regarding bonuses and withdrawals, refer to section 32 of their Terms and Conditions.


OptionRally Withdrawals


Withdrawals are crucial for trading success and I hope you agree. OptionRally allows you to withdraw by Credit Card or wire transfer and the minimum amount is $100. They process a wire transfer withdrawal request within 48 hours but it could take up to 5-9 days until the money reaches your bank account and up to 10 working days if you choose to withdraw through Credit Card.


OptionRally Extras


For me the optional candlestick charts fall into the “Extra” category, as they are the first binary broker that I came across that offers this kind of chart. A noteworthy extra is the daily market review, which is actually up to date and they don’t feed me some market prediction 5 days old. I couldn’t really use that, could I? OptionRally also offers Pairs trading but they don’t explain how that works so I am not going to take any guesses but it could be a nice extra if they would enlighten their customers about the usage of the feature.


OptionRally Ratings


The Spotoption platform does a good job once again and OptionRally offers a big amount of information and educational material. Almost all the things needed to create a professional trading environment are present and easy to access. On the downside, the FAQ page is very short and missing viable information. Available in 7 languages.


Number of assets and expiry times 15/20


Their asset index is composed from 27 currency pairs, 2 commodities, 14 stocks, 3 indices and 1 pair (Gold vs. Silver). We have to note that since our last visit, overall their asset index has decreased significantly, except for the currency pairs, which are more now than before. The expiry times range from 60 seconds to 24 hours, weekly, monthly, yearly and with the possibility of trading One Touch Options.


Commissions, Support and Effective return 16/20


OptionRally charges no commission for opening an account or depositing but there is a $25 service fee for wire transfer withdrawals. The support is quick to respond and polite but they try to avoid some important questions. The return is a max of 81%, depending on the asset and type of option (One Touch can go up to 400% return), so not one of the best available, but good enough.


Deposit, Payment and Bonus 10/20


The minimum deposit is $250 and can be done through Credit Card or wire transfer. If you want to deposit more in your account, the minimum re-deposit is $250 which I consider too high. The minimum withdrawal is $100. The bonus differs (15% – 100%) according to the type of account you opened and you have to trade 50 times the bonus amount if you want to withdraw it. In the terms & conditions it is stated that you need to generate this volume within 150 days! This does not leave you much time for education as you need to start trading immediately.


Website Extras 15/20


The candlestick charts are a great addition and so is the daily market analysis. Pairs trading (Gold vs Silver for example) would make a great Extra, but nowadays almost all brokers offer pair trading so I cannot include it in this category. Lots of educational material.


OptionRally Ratings 73 + Regulated (+3) – *Low User Rating (-5) = 71/100


March 21, 2017 at 2:52 pm


Well after signing up and depositing 200 they rang me and insisted I deposit more. Now I know why. Once you deposit 1000 they hook you with a bonus making it so you cannot withdraw. then when I tested the platform, it is a very smart setup. once you enter a trade you cant get out of it like fx. This is basically a betting website, and who can tell me who wins in the casino? The casino! And because fx bounces up and down, if you try to scope out a long forecast, the price changes, which to me says SCAM. Basically you can’t win unless you just get lucky.


Good work OptionRally!


But to every one else, steer clear of them. If you want to trade, use a well known broker, and just trade fx, at least you can get out of a trade if it starts to go against you or hedge your trade. And a good broker won’t be adjusting the price feeds to suit their needs.


August 6, 2017 at 5:44 pm


What you basically is saying that you’re not a very bright person to say the least. The bonus can’t tie up your account but only the bonus sum for a withdrawal and that is understandable. You could always withdraw your original deposit sum (as long as you have it in your account) but the bonus has to be turned over the number of times equal to the percentage of bonus on top of your original deposit. It is like that everywhere. Your comment is childish as you calling them a scam while I suspect you’re actually having your own agenda. I am trading with them since Phixer and SportsMavin began to and never ever had any problems with anything. All I gotta do is talk to my account manager and he makes me feel like I own optionrally – so what are you basically talking about? Optionrally is like any other binary options trading company only with better service. Ces tu


February 7, 2017 at 2:39 pm


Brokers give you the bonus money and claim free money, but read the fine print, you have to trade 30 times the amount of the bonus to get that money and most brokers even tell you after the fact, if you get the bonus money you CANNOT WITHDRAWAL ANY OF YOUR MONEY until you make the number of trades(it seems it is this way with most brokers)so if you deposit $500 get $200 bonus you cannot withdrawal ANY money until you make at least $6,000 worth of trades


June 2, 2017 at 2:55 pm


You actually don’t have to take the bonus! The best way is to deposit the minimum required so you don’t have to wait that long to be able to withdraw. Then periodically deposit to make your investment more fruitful, however, I’d first make for sure that the broker is regulated; read the info in small print, coz not all brokers require 20 or 30 times the deposit for you to be allowed to withdraw! Check the different review sites, like StatsCrop. com; http://www. binaryoptionsthatsuck. com; website. informer. com; WOT; Alexa… and then choose a trustworthy broker. Once you’re sure your broker is honest, get a deal with them to get daily signals, they usually ask you to deposit $500, $1000 or more for it. Or you find yourself a software that gives you signals you can use to trade manually or one that trades for you on autopilot. The free softwares aren’t very accurate, some can cause you to lose money.


Good luck, Chris


Eduarda Andrade Says:


October 10, 2017 at 1:35 pm


Well, after all I read, I can only say I stopped receiving indicators, no answers to my mails and the impossibility of making the withdrawl of 247 euros when I made a deposit of 250. Politely I asked for explanations… zero answer! But in the beginning all was wonderful – personal broker, daily indicators….Haven’t aI got the reasons to get suspicious?


December 16, 2017 at 1:10 pm


I experience the same at OPTION RALLY, I think they are all the same. they will tell you that only 5% they will get on the winning trade, when Im trying to withdraw the profit they will approve only 50% of your amount of withdrawal from the winning trade I am a new on trading I did not deposit big amount, I was thinking if I can trust this company then that is the time I can deposit a big amount I won a loads of trade then they put in my account t my available withdrawal amount £975.00 they only gave me £300.00 pounds then they took all the money in my balance account. I tried to contact them thru chat live. and they told me that the manager will contact to me. no one return my call. other bad experience is the same to Marcus complain. I move to Titan Trading instead but still not sure to this broker, they will advice to withdraw the winning trade but still you cannot withdraw the full amount because of the active bonus, PLEASE DON’T EVEN BOTHER TO INVEST TO OPTION RALLY


THERE IS ANOTHER BROKER NAME BANC DE BINARY AND I THINK THIS ONE IS BIG COMPANY BUT IM NOT SURE IF THIS ONE YOU CAN TRUST. MY ADVICE MADE A BIG RESEARCH TO ALL THE BROKER. BEFORE DOING TRADE ALL OF THEM CAN ACCESS TO YOUR ACCOUNT AND GET THE MONEY.


For me the optional candlestick charts fall into the “Extra” category, as they are the first binary broker that I came across that offers this kind of chart. A noteworthy extra is the daily market review, which is actually up to date and they don’t feed me some market prediction 5 days old. I couldn’t really use that, could I? Option Rally also offers Pairs trading but they don’t explain how that works so I am not going to take any guesses but it could be a nice extra if they would enlighten their customers about the usage of the feature.


December 23, 2017 at 2:16 pm


I like so many others have been sucked into these scammers the Finace adviser I was given ( Leon Bale) has proved to be the most inefficient useless adviser I have ever known(though not from the Company point of view). Had I dealt in exactly the opposite way to his forecasts I would now be in the money.


October 14, 2017 at 10:15 pm


sounds like someone knows a lot about option rally heres the truth i know. they are the best scam artists ever they fancy talk you hook you up with an account manager who gets rude to you when you ask for a withdrawal and about bonus they give bonus but dont really say what is bonus. and there’s no information in website about turnover you need to reach in order to withdraw only your account manager knows it he lie about the turnover? different amount of turnover each day. I’m being really honest this broker is sooo shitt. customer service is useless and they are so rude when you ring them they hang up they put some music on and dont answer. sooooo shit. dont eer get trapped in this broker.


jealous guy Says:


June 17, 2017 at 4:33 pm


My US$9500 2nd deposits was unwithdrawable..that’s a lie when in fact they attached to the Bullshit Bonus so that I can’t withdraw my deposits which I never traded again after my Senior Manager Saul Goodman loss all my guided trade with him.


January 31, 2017 at 10:30 am


Hello would warn of the broker OptionRally is impossible to draw money. I have an account with $ 2,000 Automatically deny all withdrawals and do not allege any reason. From the beginning was all very confusing and nothing changing light conditions as were seeing the results of trade. I was offered $ 1,000 to enter 5 available risk transactions . I ordered the conditions of this offer in writing and I just sent a mail attached. which indicates that only give me 5 risk free operations . Operate for a few days doing my 5 operations that restored lost but I returned as bonds, even told me that the bonus could never retire only served to operate. It did not seem fair because in no time I was told this, then that is the point of risk-free. I kept running and got more benefits then requested my first withdrawal. I canceled automatically denied bond and all withdrawals. I am preparing the CySEC demand in Spain and the CNMV submit the case of fraud on the issuer of the credit card. I’m even thinking of putting a complaint in the Israeli police as they are there. My advice is stay away from this company only seeking your money go even farther stay away from binary options always struggles against the broker and there is no global liquidity and forex. All binary options brokers are market makers so we will always have conflicts as it benefits. Deputy screenshots requested withdrawals and transactions . Saludos


February 6, 2017 at 1:12 am


i deposited the minimum amount required and in the first call i received from the broker he requested that i put in annother $1000 as the $300 i had was not enough to make any profit. i didnt have any more money to trade so he gave me tips on how to make small profits with the money i had. unfortunately all the trades i was told to make ended up with me losing. i requested a withdrawal on the money i had remaining yet they never responded to my requests. and after 3 months of waiting for my money to be refunded and not trading in the meantime, i was charged an inactive fee when all i was trying to do for the full 3 months was try to get my money back. so bottom line is… DONT TRADE WITH OPTION RALLY. THEY WILL TAKE ALL THE MONEY YOU HAVE AND EVEN IN THE ODD CHANCE YOU DO MAKE A PROFIT, THEY WONT LET YOU SEE ANY OF IT. trust me … look for another reputable company. this one is not worth it.


Henrik Jahns Says:


February 20, 2017 at 11:29 am


do you really wanner earn money on 300 eur then i will recommend to use 1 years on study and reading fist…. no one becomes rich on 300 eur from one day to the other. you need mor money and a stronger brain….


February 11, 2017 at 10:13 am


I totally agree.


You cannot withdraw anything, you have to trade untill you lose everything you have deposited on your account.


I have lost upto now not far from 4.000 €


That is all folk.


I shall never recommend optionrally to somebody


February 13, 2017 at 8:49 pm


I have had the same request after request to deposit more and more money from option rally. Which I did, until I had a balance of $198 I then gave trading a break, when I came back to trade I had $1.78 in my account. I emailed them and told them to stop sending me emils and cancel my account. I got a phone call from my manager to explain that because I had not traded for a while, they had taken the money for maintenance, I called them a bunch of thieves to which I was told if I deposited a further $300 they would replace my $200 giving me $500 to trade…how very kind of them. Thank goodness I have read the comments here, because I nearly fell for it just to retrieve my lost $200. I also found that trades seem to have a loaded dice. Cheers Option Rally I hope my $200 burns a hole in you, I just don’t like thieves.


Henrik Jahns Says:


February 20, 2017 at 11:23 am


I use Optionrally to trade from, and its a great tradingplatform, the people are high educated and are really good at teaching new trades like my how to get profit….


I can se that binaroptionthatsucks writ that thy not are regulated, i can tell that thy are. thats no problem to finde, just google optionrally and reguleted and you will se….


I have joined 6 webinar and ever time learned alot… using bolling band, trade the calender ect.


Best regards Henrik Jahns


February 27, 2017 at 5:16 pm


I finally got my money back about 6weeks after I put in my withdrawal request, otherwise was a good platform.


February 28, 2017 at 3:25 am


Thks guys, I’m almost there to deposits money with them, but with the little information gathertogether, i think am OK, i don’t need optionrally neither to trade with them. Thks


March 4, 2017 at 9:29 pm


I have been trying to withdraw money from optionrally for weeks. i had my documents approved more than 2 weeks ago. I have had multiple requests cancelled after my documents were approved so someone is simply cancelling requests. i even put in another request thinking they forgot about my original request. I have tried sending emails to their account manager, support staff and even used their online chat support for help with the withdrawal and to close my account afterwards. They claim that my request will be send to the account manager and a rush will be placed on the withdrawal but no one had even bothered to contact me back. I have heard this from multiple support staff. I am thinking their accounting department is full of incompetent people. Why should I or anyone have to wait that long to withdraw money. why is it so easy to deposit yet so difficult to withdraw. They claim you can withdraw at any time which is clearly not true. i deposited 300 and shortly after some annoying broker called me asking me for more money. i was incredibly frustrated and annoyed. That was when i searched online to see reviews about the platform and i found terrible reviews. When that broker called again i told him i was going to withdraw and close the account. he was like why and kept on asking me questions about why. i told him it was for personal reasons because i was trying to be nice but really it was because i saw their horrible reviews online. so then the broker asked me more questions like what personal reasons which was so inappropriate and frankly none of his business. I not only have to wait a rediculous amount of time to get the withdrawal approved but also 5-10 days for the money to get back onto my card. WTF. I wish i would have never signed up with optionrally because of their incompetence, horrible service and withdrawal problems. this is rediculous. Someone please help if you can


March 25, 2017 at 3:23 pm


I guess it is humanly natural to talk out of your own bad experiences…but at least get your facts RIGHT buddies. Winners never talk like you guys do, believe me.


March 31, 2017 at 6:33 am


The request for personal documents for verification is a standard procedure based on anti-laundering legislation.


April 13, 2017 at 7:49 pm


Yes – that is true you need valid photo id to withdraw funds – not clear when they very quickly take your funds tho. Same with other binary brokers… I think forex get the id before they fully open your account properly? either way – read this and be informed. A painful lesson once caught in their ambiguous web having to payout for passport/driving licence etc.


Funny how they are unregulated, yet they comply (or seem to comply) with AML regulations. Contradiction? Or a ruse for identity theft?


I deposited 250, lost 40 and wanted to withdraw. I’ve been arguing with them for the right to withdraw my own funds for almost a week. I still can’t get them to let me. I’ve spoken to around five different people, all acting like they haven’t seen the rest of the emails and asking for the same information again, stalling. They are BAD! How dare they do this. IS there anywhere I can got to complain?


May 15, 2017 at 9:25 pm


I deposited with optionrally only because I was trying germanbinaryrobot which was a con, as it wasn’t making any profit as promised. I threaten to report both to the police, and my bank for fraud, and I think someone from germanbinaryrobot spoke to them, and told them to refund my money. I made contact with CYSEC in Cyrus where optionrally is registered. They can’t force optionrally to give your money back, but you can lodge an complaint against them. Anyone not been given a refund report it to your bank as FRAUD. Send e-mails to CTROPIS@CYSEC. GOV. CY Mr Costas Tropis. Remember if it sounds to good to be true usually means it’s a SCAM!


June 10, 2017 at 9:09 am


Well I had an email last year “for the First 34 Only” saying you could earn a full time living with just 40 minutes a day with no out lay and stupidly followed it thinking it was for real and ended up signing up with Option Rally without really wanting to and giving them $200. Then I couldn’t get my money back because they wanted all this other info that most scammers ask for and use with identity theft so I was reluctant to give it. So after a lot of deliberation I did send it and finally got my account opened. Then the guy Ben persuaded me that I should give it a go Then just didn’t have time to trade so when I finally got round to doing it they had taken all my money in so called fees. 2 lots of $99 on the same day. Actually it wasn’t fees at all. It was scamming someones money. Most companies would be happy that they have my money sitting there but not Option Rally. They just took it and said it was fees.


June 26, 2017 at 4:19 am


Hi OPtionrally has the smoothest talkers ever. I have submitted for a withdrawal on the 13/06/14 and till date all they do is say its being processed and contact your account manager, even though all documents are in order. Their strategy is you will loose the profit you make at some point so keep delaying the issue. The site is good but if you expect a withdrawal from your profit I suggest you go to some other binary, if you want to keep you money with them then go ahead. I have screenshots of my profits and my conversations with the live chat and also the emails with this guy called BEN FISHER if anyone is interested. I seriously recommend DO NOT deal with these scammers. I am going to post my comments as much as I can so honest people do not suffer their hard earned monies. If you would like to know more please email me at arjobhaumik0@gmail. com as I am so shattered with these con artists.


July 28, 2017 at 7:19 am


Cannot withdraw any money from my ‘account’? Have been trying since 27 May 2017 and still waiting….


August 2, 2017 at 7:59 pm


Optionrally is a totally scam group of people. We searched the address on their web site in London, but found no location. We are a group of friends and relatives who have dealt with these people. We deposited a total of $350,000. Our accounts have been closed. Money was totally stolen. No account manager are in touch with us all except for asking for more deposits. Some of our friends have successfully charged back their money. Others are still stuck. If you need more details you can contact me at. netfree9999@yahoo. com


JOHN EDWARDS Says:


August 16, 2017 at 3:46 am


With out a doubt, OptionRally is the worst company i have ever dealt with in my entire life. i had to open an account with them because i was going to use a different company’s software, this was a deal that the two company’s had made together. the deal was that i open an account with OptionRally and they where to activate the other company’s software, What they did though was put there own software onto the other company’s web site. I have lost count how meany times i have tried to contact them, but they are to ignorant to reply to any of my emails. I would highly recommend to any person, do not use this company unless you wish to be ripped off, there is also a comment made by some one above, that this company is not regulated.


August 19, 2017 at 9:55 am


I have to say that I go stung tonight. I really like this company until tonight I placed 2x trades. The first was GBP/USD and the second GBP/JPY. Both trades were placed at 08.30 gmt. Unfortunately the prices i was given for these trades was the price at 0833 gmt which was much lower and considering both trades were “puts”, wasn’t a good thing. I lost both trades. I have now spent the the last hour and a half on an online chat were I have been cut off 3 times. I did try to ring them on there Australian listed number but that just ring out. Not sure if there is anything I can do about this other than to close my account and go elsewhere, not that they would care.


August 26, 2017 at 6:29 pm


I received a phone call from this company saying I had signed up with them – they had my phone#, my e-mail, and who knows what else. I was unable to speak on the phone at the time and requested the rep e-mail me what he wanted to talk about. I should also mention the call came from an “unknown caller” which seems highly irregular for any real investment firm who would want to be known. When the e-mail came in the name of person they were addressing was wrong (even though my e-mail had my name in it) and the grammar/spelling was elementary. Aside from that, their general stats seem to be far from ordinary quoting them stating as high as 500% profits from these funds and approx 70-80% on EVERY WINNING trade. Nothing is for sure but in my opinion this sounds like a fairly sketchy “investor”


melaku gizaw taye Says:


September 6, 2017 at 3:09 pm


EMMA BRIGHT THE I. D number is not correct 10 or 9 there for sen in tome the correct I. D number & the Amount of the money please help me Thank you for your help concerning to me. Emma Bright your email that reach to me Aug..28/2017..can i ask as you said nearest to me is that right I am no understand what is the meaning of DO NOT TRANSFER TO CYPRUS NORTH IS this a problem the I. D NUMBER; 20486253 that my account number or as you said you Email me the MTCN NUMBER can you send in to me please explain to me please help me. Thank you melakugizaw40@yahoo. com telephone +251946726258


September 8, 2017 at 1:39 pm


I wished to withdraw my funds (MY funds, not any bonus) and received a notification that the withdrawal would be processed in 72 hours. It is now FOUR weeks later and I have received nothing, and they are not even bothering to reply to my emails. This morning I can’t even access their website – I wonder if they have closed down.


Barbara Knell Says:


September 14, 2017 at 9:10 am


Option Rally have upgraded their website, could you please look into reviewing them again?


Kind regards Barbara


October 8, 2017 at 11:37 am


I have to say They are real Scam. To be honest, I’m not only the traders of the platform but also the affiliate. they not only scam the traders but also the affiliate.


As a trader. once you deposit, they will send you 30%-60% bonus, but the bonus is in fact a trap because you get it then you can’t withdraw you funds, no matter you win or loose.


as a affiliate. i bring them 6 depositors in half month, one of them finished 1900$ turnover, the other also finished about 700$, they ask me to print the applification for the commission. but i never receive their payment it’s 3 month past.


SCAM, DONOT JOIN IT.


Leandro Santiago Says:


October 23, 2017 at 5:56 am


It a real shame being part of the broker website called “Optionrally”. They are constantly luring you to take that bigger bonus so you can’t withdraw your profits. They’ve got be kidding us saying “You need to reach the required turnover to be able to withdraw”. I’ve got luck that my credicard assistance refund me after I’ve made a deposit of $5.000.00 in that whorehouse. SOFs! They need to go press explanation to federal police. I hope they get caught for being unethicals.


Daniel Cardoso Says:


October 24, 2017 at 9:46 am


My experience with OptionRally is from a 8 months consumer. My opinion? They will cheat you as they did to me. As a newbie on trading i found OptionRally as one of the CySec brokers, and that was the reason why i’ve chosen them. The first managers i had was amazing guys, trying to trade safely and not loose all my money. Then they came up with that annoying thing of asking for more money, asking for more money… i fell on the trap. They came with a Tom Freeman manager and this guy made 3 good trades for me, after this he was calling me every single week to say that they had amazing oportunities… but as i was without money he said: “no one can lend you a credit card?”. I don´t know were i was, in my mind, i´ve made it. He lost 11k in one trade and said… “it´s just money Daniel, everything will be just fine…”. Since them i was trying to recover this money and just lost more and more… The main problem was this one: https://www. youtube. com/watch? v=eM3fZFR1dr0. You see the video for yourself. I was trying to make the Martingale strategy… but with this kind of “results”… i just lost more money… Now they just say it´s all my fault. Thank you OptioRally, now i will be in trouble for a few years to pay everything i lost with you…


George Kyros Says:


November 5, 2017 at 6:02 am


I started at option rally with the minimum deposit and my broker soon advised me to increase to $1000. not long before my broker advised me that with the downward trend of the market I should increase to $5000. I di this, and within two weeks have lost 1000 on recommended long term investments and am waiting until the end of this month to see if the other long term is going to pay or lose. So with a little over $3000 left in my account now they want to elevate me to VIP status (20,000). this is well above my risk ceiling and I am hesitant to take out a line of credit as per their suggestion. So far all money invested is mine, not borrowed. Broker has called in the big gun heavy closer. (I hate that). On the up side the education available is very good, my broker is very helpful and the various option available are attractive, but the high pressure tactics are starting to spoil the whole experience.


November 7, 2017 at 7:34 am


Dont deposit, send me your mail and i will give you chats and conversations i had with them for a month denying the withdrawal


March 6, 2017 at 11:09 pm


I have placed an order for withdrawl on 2 March still pending. do you have and idea what I can do to get my money back.


November 23, 2017 at 11:40 pm


Sorry, but we have been with Option Rally for 4 months. Initially, my wife started with a 5000 Euro balance, and built it up to 7000 Euros. An Option Rally broker there illegally fooled my wife into giving up her pin number and login information, saying that he would trade on her behalf to ensure that she doesn’t miss out on any good trading opportunities. This trusted broker then made a series of (what appears to be deliberate) losing bets, often losing 8 to 10 trades in a row, dropping the value of the trading account to under 2000 Euros. My wife was very upset. Then the broker put a lot of pressure on her to deposit more money, always calling her up and urging her to put in more money, and that he would add ‘bonus’ money to match her new deposits. So, she added another 1000, 1500, 2000 etc. of credit card money. He convinced her to give up her pin number again to trade on her behalf, then he made more losing trades, betting thousands of Euros at a time this time (two bets he made were 2500 Euros each!), and they all lost, dropping the account back to about 1000 Euros. So this trader deliberately made my wife lose about 7000 Euros by giving her bad betting advice. My wife was so upset, she wanted to stop trading, so Option Rally presented us with a new broker, who convinced her that she should recover all her losses again, if she put in another 3000 Euros, and that she would receive 3000 Euros in bonus money. As a special VIP trader. Wow, so she thought this offer was too good to refuse! (But I kept asking the broker: “What is the catch? Why are you giving away bonus money when you know we are losing a lot on our trades?” But she refused to answer and explain to us the conditions of accepting the bonus money – she just added it to our account, and went ahead and withdrew 3000 Euros from our credit card, which is about one month of savings for me and my wife). Ok, so I got suspicious and decided to read the fine-print (Legal pages on the website). It stated there that if you accept any bonus money, you cannot withdraw any of your money unless you trade 50 times the value of your bonus! That’s 50 x 3000 = 150,000 Euros that must be traded within 100 days! Otherwise, you cannot withdraw any money from your trading account. NO WONDER THEY DID NOT WANT TO MENTION THAT YOU COULD NOT WITHDRAW YOUR MONEY (unless you meet the 50 x turnover requirement) IF YOU ACCEPTED A BONUS, because these brokers knew full well, all this time, that it would be IMPOSSIBLE to trade 50 times the bonus value that they added to your account, within 100 days once the bonus is added, therefore, MAKING IT IMPOSSIBLE TO WITHDRAW ANY MONEY AT ALL FROM YOUR TRADING ACCOUNT! Plus, it is not real money going into your trading account anyway. That’s just ‘made up’ monopoly money! The real money is the credit card money that you deposit into their account, which you will never see again. All this time, my wife did not know that all her 3 months of trading effort, would all amount to nothing in the end, even after carefully and loyally following the trading advice of the Option Rally brokers. Both the Option Rally brokers were only too happy to give my wife the bonus money, knowing that if she accepted it, it would be IMPOSSIBLE for her to meet the 50 x turnover requirement necessary, to withdraw any money from her trading account. This is downright unethical, deceptive and unfair! Complete deception. Nothing but robbery, by hiding the conditions of accepting a bonus, because nobody would want to accept bonus money if it meant they would never be allowed to withdraw their money again. Therefore, avoid Option Rally if you can. They are a scam organization, and their brokers are very deceptive, cold-blooded liars and thieves, in my honest opinion. I have already blocked my wife’s credit cards and will pursue complete refunds of all the deposits we made with this scam company through our credit card company. These people at Option Rally should all go to jail for knowingly pressuring my wife into accepting the bonus money, because she desperately wanted to recover all her lost money from all the losing trades they had given her. WARNING: Do not trust brokers who refuse to give you a printed contract explaining all the rules of accepting bonus money, and how it affects your ability to withdraw money from your account. Sadly, Option Rally chose to empty our trading accounts, and con us into spending more money, knowing full well it is extremely difficult, if not nearly impossible, to trade 50 x the bonus amount (of fake play money) in 100 days of trading, simply because the odds are all against you – and you have a 55 or 60% chance of losing on every bet. They make it virtually impossible to make any profit and they hide their motives for giving you extra bonus money (because they know once you accept the bonus money, it will be almost impossible to withdraw your money – and that’s why they don’t want to tell you that, even if you ask them: “What is the catch?”, “What are the strings or new conditions attached?”, or “Why would you want to give me free bonus money?” ) My wife had no idea that by accepting the bonus money, she would never be able to withdraw any of her money ever again, because the 50x trading requirement is an impossible trading volume to reach within 100 days, an almost impossible condition to meet, before you can withdraw any money. They will not even let you withdraw any money that you deposited (into such a bonus account). Basically, Option Rally wants to give you bonus (play or trading) money, to make it impossible for you to withdraw your own money from your trading account. We have had nothing but bad experiences with Option Rally. Please spread the word.


December 2, 2017 at 12:13 pm


Optionrally never paid me and never responded to my withdrawal request. I have some funds available for withdrawal according to my account and my request is 100% according to Optionrally terms of service, but they don’t want to pay me. It is actually my own money that deposited already, but they neither pay me nor respond to my emails to tell why. In 2 session I had online chat and when it reached to legality of optionrally the customer service operator ended up the chat. Be ware of them, They get your money and never let you withdraw.


February 2, 2017 at 11:57 am


already informed senior manager Bobby I wasn’t interested. But he still persists, email me and keeps on calling me.


Please stop the call.


February 20, 2017 at 10:33 pm


HI I have to put out at your attenton my experience with they called themselves optionrally binary platform. I have deposited 275 usd with optionrally as advised by autobinary signals roger pierce and i am a member with them. I have used this account to follow automatically prosignals with roger pierce; but the eighy percent lost with this person my balance drop down till 42.5;at then i stopped to trade using prosignals - autobinary signals but after 02 months i checked my account with optionrally i discovered that my balance is equal to 0.000 usd . I contacted optionrally for more explication about taking the remaining 42.5 usd in my account but unfortunally they did not care to answear me;until now no response. I asked them not for the refund but for did not give notice about burning my account to cost nothing. My conclusion is ;this binary platform called optionrally dot not respect its customers and violate the human rights as implemented in all the wordwide conventions;any human being has the right to be informed about his case as example his account . I am upset bacause they take from my account 42.5 usd without noticed me about this operation and they did not respect me as one of their customers and also in my quality being a human being. I have decided to write this brief review not to give a verdict sentence concerning optionrally but to let people know one more information and they are the unique representent to give a judgement about optionrally. Thank you kenana


March 12, 2017 at 12:21 pm


when one of their telesales is promoting their services. i showed him some negative reviews. he start to curse me. so i ended the phone call. i wonder what kind of company it is. if they are cursing their potential customers, what they will do with their current clients. totally unprofessional. it seems not safe.


Carl Robinson Says:


March 21, 2017 at 4:18 pm


You say optionrally is regulated by CySec yet they do not respond to emails or calls either so thats why many scam platforms go there. They are registered under a different name and not optionrally so that should be made clear in your review!


optionrally are scammers and you get a few people who work for them trying to put everyone who complains down by trying to discredit their stories even though the victim has evidence.


March 22, 2017 at 9:51 am


Hey Carl, We’re not fans of OptionRally, but they are indeed regulated – http://www. cysec. gov. cy/en-GB/entities/investment-firms/cypriot/37625/ They operate under 2 different domains (like most regulated brokers) – one for EU citizens (.eu), and the other from the rest of the world (.com).


March 26, 2017 at 4:19 pm


April 9, 2017 at 3:41 pm


i can tell you just don’t go with optionrally. Its a BIG scum. I deposit 500 and they gave me “good” broker Jenifer Fox(if you believe that is real name)She make 12 trade and lost 10.Not just lost. When I checked how trade is going I realise that go wrong direction from beginning and then even more and more. It was obvious she wanted me to loss trade. And that was 10 times the same. Nobody answer when I wanted to know what is going on. Not even manager call him self Nicholas Bailey.


April 9, 2017 at 9:27 pm


Same here – exact same situation, these guys are dodgy.


Based on the promises I thought I would take a gamble with my $340 NZ – worked some overtime to pay the bill.


After making the desposit (and after clarifying with the dude on the phone that should I wish to make a withdrawl this would be entirley possible and that my doccuments have been verified no problem) I decided to make a withdrawl.


And this is where it gets funny – I was planning to invest much more and had several friends that were interested in this too but I just wanted to make sure they were legit.


And they are not, I have received several emails saying they will proces within 48hours but no return of my deposit. They just put you on loop if you refuse to earn money for them, clever scam – just avoid it, you will loose your money.


I REPEAT, unless you want to loose your money do not invest in this poxy scam company. I am just glad that I didint get more sucked in and waste time betting to earn a rediculous amount of money that I would ultimitley not be able to withdraw.


April 10, 2017 at 11:25 pm


i can tell you just don’t go with optionrally. Its a BIG scum. I deposit 500 and they gave me “good” broker Jenifer Fox(if you believe that is real name)She make 12 trade and lost 10.Not just lost. When I checked how trade is going I realise that go wrong direction from beginning and then even more and more. It was obvious she wanted me to loss trade. And that was 10 times the same. Nobody answer when I wanted to know what is going on. Not even manager call him self Nicholas Bailey.


Jonas Crawford Says:


April 14, 2017 at 2:50 pm


I can tell you straight in the eyes that you can deal with OptionRally without any hassle. You register an account, validate it through your email, deposit at least the minimum amount required or if you want an exclusive account go for it, if you want to earn more profit in a short span of time. Expect a phone call in less than 48 hours to meet your account manager who will surely assist you all the way. Just be sure to read the terms and conditions and be well-aware of all the risks involved in trading, so you won’t end up complaining like all the other guys here.


Herbert A Hughes Says:


April 17, 2017 at 1:37 am


Why would a broker try to crosscut another broker from another Company? Don’t they believe that people are wising up to the trick they try to play? I do not want to give a name but I will do so if pressed. From all reports, it does seem that there is a lot of work for everybody to be kept busy. I feel that as a new person entering the market that person should not be lied to, but truth should be told. I am hurt.


Maria Cillerova Says:


May 16, 2017 at 2:47 pm


My experience with Option Rally is a bad one. At the beginning everything was OK, they are regulated and the manager assisted at opening the account assured me that there wouldn’t be any problem in case I would ask for withdrawal. I read their Terms about withdrawal conditions and I thought that it was OK. To have an account manager I put 1000. But things showed to be not so nice and many problems occurred in a short time. My manager “helped” me to lose some trades ignoring money management and persuading me about his knowledge and experience. He sent me emails with informations about assets for daily trading. It didn’t work and I found out that the information was like those from investing. com and that there was no chance to profit. After maybe 3 weeks my account manager disappeared, he didn’t replayed to my emails. Later I got the information that he had to leave due to his bad work. I felt I was a trial hare. Than a new account manager called me but he wanted me to put another money to reach again 1000. I decided to ask for withdrawal on 05/05/15.I received a formal email in which they informed me that my request will being process within 48 hour. But my request is still only pending. I sent many emails to their support, compliance and withdrawal department. No response. I had three chats with their operator but each time he repeated the same stupid answer that my request must be approved by my account manager. Than he stopped chatting. I have no bonuses so any restriction can’t be put to my account.


I am not satisfied with their platform. Each time I opened it there was a warning that there is some error. I contacted technical operators several times following their advice but nothing has changed and they told me that I have to ignore the warning. By the way I think that prices are manipulated. After I noticed that, I chacked immediately after opening trade the Strike Rate in the history and there were differences. For instance Strate Rate was several points over the top of the chart. Once I put down Strake price from approval pop windows. At expiration time I thought I Won, but in the history was Los and when I compare Strake prices there was a difference. I immediately opened a chat but their answer was evasive.


Do you have some advice how to get money back from 0R. Maria


May 18, 2017 at 7:53 pm


You can complain at http://www. cysec. gov. cy/en-GB/complaints/cifs. aspx Good luck.


May 31, 2017 at 9:18 am


Well i am also a memeber at optionrally… i can read the complaints of many people and few are mentioning their good experience with them, last time i tried to close my account and to close it you need to do that during three months or else you’ll have to pay 100$ for not trading, then an account manager called me and told me to give a second try and i am doing so now, under the recommendation of my last account manager since they had been changed few times i deposited a new amount nearly 250$ cause i’m still playing it safe and they gave me a bonus on my deposit, but my acc mgr didn’t call me again after depositing the amount while he was so pushy so i deposit and then he disappeared. so i would like to ask those who had good expereience with them. whom can i contact so i can close my acc with them if that was possible. or is there any other way to do so… and with whom should i trade stocks and commodities …. name of a platform of company, and how can i withdraw my money from them Many thanks Guys


Prosper Adogu Says:


June 9, 2017 at 5:31 pm


I totally disagree with the talk that optionrally is genuine. To me its a big fraud. The company sweet-talked me into investing 1,100 USD and they claimed they gave me a bonus of 1500USD. Then a profit of 3,300 USD was recorded. I requested for withdrawal of 1000 USD but they turned it down and sent one Jenifer Fox to fritter away the profit with mindlessly wicked investment move (I think she did it deliberately). We incurred a loss of over 2000USD WITHIN 24 HOURS. Subsequent attempts by me to withdraw even 100USD was turned down with lots of flimsy excuses. Rather than grant my request for withdrawal, the same Fox called again and really wanted me to empty my my life savings into their company in the name of investment. That company is made up of big time rouges who have conspired to deprive innocent citizens of their hard earned money. I have refused to have anything to do with that fraud called option rally and I have handed them over to God who will surely do the battle for me. Let us wait and see what happens.


June 15, 2017 at 2:52 pm


I have been with them for almost 1 & a half year, is it normal for a trading company to ask you for a copy of your credit card the front and back, this to me looks dodgy. why would they want the 3 digit security code? In the beginning I was getting the hang of it, winning more then I was losing so they just automatically blocked me from trading. I also asked them to close my account so I can get my money back but they have said I can’t withdraw without giving my personal id, they have my card details because that was what I paid with. I don’t know why they have made it so difficult when it is a straight forward process. I have also left a message a few time for my broker to contact me, still waiting 3 months later


Peet Snyman Says:


June 17, 2017 at 5:44 am


Thy Make it sound so good. At firs need to deposit $350 then its not enough to trade with a senior broker. after a $1000 you get the broker then thy start badgering you for more to get contracts for a better return. What a lode of bull. the broker gives you 1 or 2 good trades. then thy knock you. $1800 and no return. not able to withdraw a sent.


Don’t recommend it at all.


Desmond Carolus Says:


June 18, 2017 at 2:32 pm


I JUST WANT TO KNOW WHY MUST I STRUGGLE TO GET MY MONEY REVERSED BECAUSE I NEVER USED THE ACCOUNT AND I HAVE SUBMITTED A WITHDRAWALL REQUEST 2 WEEKS AGO IM REALLY PISSED WHERE CAN I LODGE MY COMPLAIN


June 21, 2017 at 8:19 am


post your complaints in forxpeacearmy site and most probably the broker will respond because the officers there will try to contact them. just my 2 cents…


July 13, 2017 at 7:04 am


After doing research on OptionRally, I was skeptical about investing with them. Then I had a great experience with a broker named Anna Patrovsky. I talked to her about my concerns and she suggested I deposit a smaller amount of money and build up slowly so I decided to try them.


I haven’t earned a lot and I have had a couple small losses, but the winnings have outweighed the losses. I feel good knowing my money is there and at least I’m earning more than if it was in the bank. I already have successfully withdrawn some of my balance. I guess it’s a lot about who your broker is.


July 17, 2017 at 11:40 am


recently i saw there video for marketing their business where they claim that they will only take 7 people so they can help focus on them to make their first million in 3 months..wow..everyone like to believe is that true..how and what is the catch,,i am not an expert in binary options trading but logically it cant be true..when one is trying to get u in by showing such a large benefits without keeping you well informed,,i really doubt their intentions…no doubt they will be making many millions coz many will attracted to fund 250 to 10k$..any comments and advise will be welcome..


Janet Nicholson Says:


July 22, 2017 at 11:44 am


Basically i am really disappointed with Option Rally, I advised the Broker not too take funds out my Credit Card, Behind my back she organised a line of Credit. letting me believe it was from Option Rally to replace lost funds. She advised me off trades all lost. I then found two days later she had taken funds out of my Credit Card putting it well over its limit, so I also have a dispute with that Bank. I have had no reply or explanation from anyone else. up until then as a New Trader I was reasonably happy with Option Rally


August 11, 2017 at 9:23 pm


Why have I been asked to send a scan copy of both sides of my bank card Copy of driving licence and utility bill to get my money paid to me is it a Scam or what


Gladys Galea Says:


September 10, 2017 at 2:38 pm


i was lured in by my so called personal broker. Telling me the more I deposited the more trades can be made and therefore the more profit. Things were going well, profit was being made so I wanted to withdraw. Of course I couldn’t as I did take the bonuses. No sooner had I try to make a deposit with no luck but within 2weeks my broker placed trades and lost the rest of my money. I have not had any answers to emails. No replies on Skype and no one can tell me where my broker is. So my advice is stay well away. They lure you with all this bullshit talk build your trust then go in for the kill and bleed you dry. I lost a considerable amoun of money and have not heard a word from them since.


October 22, 2017 at 1:31 am


I have bad experience with the above broker. They adjust the valuve to make you lose and l recently found out they make the expiry rate read 00000 and later they make value to support the lose of thetrade. I lost more than $100 and have the prove. I realy aadvice you to stay away from this broker. They do not even care to reply the email when l requested a prove to what is happening. I do not get any support but only once been called asking me to deposit more else l will not get any training or recommendation and even when convened them to at least send one recommendation a week or a day they pass to me wrong recommendations to make me lose. I will say please stay away from this broker. Thank for reading.


October 25, 2017 at 5:39 am


I have submitted all the required documents in order to get refunded, I have asked to be contacted by the account manager, but, no response? All the documents has been approved by option rally, but, still no money has been transfered?


November 6, 2017 at 10:17 am


Guys, please, help me to share this video, it is my personal experience with OptionRally. Let’s help people not to fall on this trap: https://www. youtube. com/watch? v=yBMF7qJbLtA


Vintilescu Claudiu Says:


November 26, 2017 at 11:57 am


THis is my experience with them:


I did not have 200 USD to deposit, even though i was so close to decide to do it, when i would have gotten my money.


They contacted me on the 10th of November and we spoke and spoke and wanted to see if they are fraudulent or not. They don’t seem so, BUT :


The supposed “Account Manager” told me so much bullshit on our first talk.


To make this clear, i’m from Romania. Not a lot of people have a lot of money here. The girl there told me that 60% of Romanians work with OptionRally. THIS MEANS 10 MILLION PEOPLE.


IF we had 10 million people rich because of OptionRally, there were only proches on the streets. Not to mention that only 3k account were opened from Romania and i don’t know how many worked with them.


She pushed me to. LOAN, ask family, do anything just to deposit. THAT is really UNPROFFESSIONAL.


I was then put over to my “Personal Broker” who had a meeting with me at 5, i arrived at home at 5:20 and stayed stupid for 1 hour, in the meantime, at 4:59 he called me to make sure i will be available. SO Who does that. Money seekers, that’s who.


The “Personal Broker” was so abrubt in speaking, he wasn’t interested at all. He at the end of the “One dirrection ” conversation, as he was answering with short answers, decided i wasn’t of interest and began talking shit to me. Like ” haha ”. & # 8221; you do that ”. & # 8221; ok that’s good for you ” when i was saying other people do other stuff and why should i deposit for them ( a legitimate question given i wanted to get into this business and still DO ).


The next day, today 26.11.2017 i spoke again with my account manager which called me 4 times while i was at work, after i specifically asked not to call me when i’m at work. She began to talk to me just as the “personal broker did” With ATTITUDE.


SO FFS guys, it’s up to you. You need to note that i DID NOT have the money at the time and DID NOT want to LOAN or ASK FAMILY for them. That’s outrageous for a company of actual betting online to ask you to LOAN or ASK FROM FAMILY. For me this is despicable.


I was going to deposit eventually, but after “Account Manager” spoke last time with me on Skype, it was clear they just though they caught me and i would deposit.


I don’t know how this company works and how trading is, but support is rude and even if at first are friendly, after a while they are just other FOREX EMPLOYEES ( if you ever had a chance to speak with those too ).


THE REST IS UP TO YOU MY MONEY WANTING MONEY MAKERS FRIENDS.


November 26, 2017 at 2:09 pm


Hello We are well aware that some brokers are not on their best sales conduit and bother clients like you with endless phone calls or even emails. Our recommendation is: • Do not get lured in and do not invest, no matter how appealing it sounds. • Be blunt but polite and explain you are not at all interested in what they have to offer. • Contact your telephone service provider, asking them to red flag the numbers.


December 2, 2017 at 5:31 pm


Option rally really sucks! carefull with option rally. i deposit some dollars there and they put me problems to start trading, like your documents are not accepted because of tecnical issues like clear photo etc, some bst; buti insist and send it 2 times more and nohing happen. Then i lost all kind of possibility to trade there, is similar to scam because also you can withdraw money. i recommed to start far away option rally, really sucks.


December 10, 2017 at 6:19 pm


The ARAB Rally as option rally is not a real plate form they have their own network working in the back, as soon you will open the account few turns they will help you to open the position to win they suddenly you will find lossing and it will continue until all of you money will be gone, then their account manager will call you that he call not be acccount manager with small amount of deposit it should be not less than 1000$ to open parallel positions, but acctually this is all scam even he will convince you to deposite 500$ and he will give you bonus of 500$, here is the trick how innocent people get deceive, he will demand your password and for few turns he will stay you will then suddenly he will loss all your money and bring back in your account money as a bonus which 1000% you cannot demand as withdrawal, then there will no phone calls going to attended by them, slowly slowly they will disconnect the communcation, sometime will reply you as they are busy with other jobs, havig conferences in outside the country having big jobs but actaully they are eating the money of others. still as muslim they will deceive others and thinking that they will ever live on the money of other people by deceiving others. this is open message to all of the group of arab rally to return back money otherwise we will not leave them one day they will be in big trouble..


December 11, 2017 at 11:06 am


Joined optionrally 3 weeks ago, invested $1250 USD, I was granted a bonus of $1000(which you cant withdraw until your trading volume have reached $50000),Traded to reach to a balance of $2524 including the bonus amount. I have been trying to get only my $1250 deposited amount and close my account but no go. Optionrally keep cancelling my withdrawal requests, their support are not professional, arrogant, and close every avenue. Am I entitled to withdrew my money (only the $1250) I don’t want the bonus nor the winnings, I just want to get out.


December 17, 2017 at 9:31 am


Daniel, their expert analyst, rang me and said that my trader had approved some unlosable trades. she hadn, t but he instructed me whilst I placed the trades. All 9 trades lost and I was out of pocket us$38,000. How could an expert get them all wrong. It had to be a scam. From my account to theirs. Give them a big miss.


January 4, 2017 at 7:48 am


Same applies to me Peter. After I stopped depositing now this guy Alex gave me incorrect trades that wiped my account 12000$. I have a pendiing withdrawal of 700$ for 3 weeks now. My account manager is norwhere to be found. Their call center agents are the worse people you can deal with, they dont know a single thing


January 7, 2017 at 11:36 pm


Same here Peter although not to the same extent. I have lost 90% of my deposit after 2 months of trading cautiously ONLY according to their “Signals and Invites” instructions. Over these two months, I have had 44% success rate which of course eats away – you can NEVER succeed with this rate. At times, I would be better to go against their advice. The persons I dealt with were Michael Harris and Seth Julian..happy to name and shame.


laszlo kovacs Says:


January 6, 2017 at 6:51 am


good morning. i would like to know more information about option rally because i have received an e-mail from aussie method and when i want to register to the side it was totally different what i saw in the advertisement. i am just wondering if it is 100% free why i have to pay 250 GB pounds? can your answer me please because they are calling me day by day. thank you for your help.


January 15, 2017 at 10:29 am


I just joined option rally with initially USD250 but then after the broker pursuaded me, I top up USD 2500. The initial plan was to use the money for trading and my being a new here I was guessing trading stocks. But then the broker said I have potential to make money in binary. She is suggesting to put more money like USD 100k, which is too risky for me to take. Does anyone think I should just let my money to use for stock trading or should I put more money for binary?


February 9, 2017 at 7:48 am


I am sorry for replying so late to your comment. Hopefully you didn’t take the bait.


If you have deposited money then file for a credit card dispute at your bank and try and recover your money. It is called a charge back. File a case of fraud against this broker.


With regards to your question, remember binary options trading is far riskier than stock trading:


1.) Firstly trading stocks allows you to have ownership in the company. 2.) If stock prices fall be 20% today and the company is a strong multinational like Google or Disney, then you can just wait it out for your price to recover.


Binary options are tricky with regards to getting the direction right in a specified time frame. In other words you have to bet on the direction but short term fluctuations in prices can make this impossible to predict. For instance in many “60 seconds” binary options you win or loss can depend on the instance you pressed the button – a second too late and the fluctuations can make you lose.


That said, you are honestly better off doing stock trading. In fact my advice would actually be to not trade at all. Secure your investments with a reputable firm in your country and invest via collective investment schemes.


If you want to trade binary options badly (and again I would discourage you from doing so) then trade on Nadex (www. nadex. com)) which is an exchange, not a broker, where you can trade in a fully regulated environment. The exchange is miles better than some offshore broker with a virtual office in Cyprus, bank accounts in Seychelles and people with Israeli/Hungarian accents calling you for money.


January 20, 2017 at 11:19 am


I wish I could have started with another broker. Unfortunately they were the first where I’ve deposited money. They were everyday asking for more money, until I’ve made a 5k deposit. They gave me a VIP account manager, and according to my previews account manager he was the “top of the world” trader. As a newbie I was loosing money when he asked me for more 5k, to put in to a trade that would be 100% in the money. The result? He tooked 11k from my credit card, saying: “Hey, let’s take advantage of this money, they borrow you and you make money with their money…” I was so innocent that I trusted. The result? He lost the 11k in one trade. After this, he didn’t answer e-mails anymore. Never… since them I couldn’t recover from that situation.


February 9, 2017 at 7:36 am


Unfortunately this binary options industry is very shady. Even regulated brokers are sometimes scams (google interactive options scam to find out more).


My advice is this: if you deposited via credit card to this scam broker IMMEDIATELY contact your credit card and file a dispute of any deposit charges-get your money back!


It is called a credit-card charge back where you can actually recover your money. However take screenshots of your accounts and copies of where you tried to contact the broker without success. Open a case of “fraud” on the forms you need to fill in at your bank. Once investigated the bank can “reverse” the transaction and you can safely get your money back.


Any deposits up to 6 months ago can normally be recovered.


Many of us have fallen for binary options scams, I was a victim too, but because of another broker. I recovered my deposits and today I have blocked all their phone numbers and emails.


February 25, 2017 at 4:06 am


You guys are stupid if you buy into this “earn $500000 from just $300 in 30 days” bullshit… Just looking at their pop up ad pissed me off


uBinary is very popular choice for many traders. In recent years, some of the biggest companies who offer credit card payment like Visa have made an important decision, which is to improve the security systems so that all transactions of customers are protected against fraud and identity theft. Traders can rest assured that a lot of binary options broker have had some negotiations with Visa in order to obtain some special arrangements that would allow their traders the best streamlined services possible.


Many investors are using credit cards as a way of funding their binary options account. Normally, the initial deposits range from $50 to $1,000. Some of the most popular choices for credit card service include MasterCard, American Express and Visa. In the last couple of years, there are some more companies that have gained more popularity among traders.


Investing using credit cards is usually the best option when you trade with borrowed money. In this case, you should be careful when depositing money. You should always keep in mind two important things: do not wager more than you can afford to lose, and try to lower your expenses instead of increasing the profits.


Using credit cards, despite bringing a lot of benefits, still has some disadvantages. One of the biggest disadvantages includes the considerable interest charges. This may make some traders find it difficult to acquire steady profits.


So the question is how to choose a suitable binary options trader who allows funding via credit cards. In fact, most binary options brokers nowadays accept payments via credit cards, so you won’t have to worry a lot about this.


Mensaje de navegación


Usted está aquí: Inicio & raquo; Corredores binarios & raquo; Binary Options Brokers with Credit Card


July 17, 2017 6:52 am


Definitely one of the most popular methods to transfer money into your binary options trading account is via the usage of credit card. As a matter of fact many professional traders prefer this type of account funding due to its security, speed and reliability.


Credit cards are probably one of the safest ways thanks to which you can process money electronically and all you have to do is to choose your credit card provider. In addition, the company you have chosen have to have all the legal regulations, stipulations, etc. of the country they are located.


Recently, some of the biggest credit card payment processors such as Visa, decided it is time to take the security to a whole new level and present a new enhanced security systems guaranteeing the safety of transactions from fraud and identity theft. The good news is many binary options brokers have negotiated different special arrangements with Visa and other credit card processors ensuring they will obtain the best streamlined services possible.


Lots of investors out there are utilizing their credit cards in order to fund their binary options account with initial deposits, most often ranging between 500$ and 1000$. The most popular credit card processors you can use are MasterCard, American Express, Visa. However, there are a couple of more companies that has been gaining popularity in the last couple of years as well.


Since you will be trading with borrowed money, the best thing you can do is to invest using credit card. In such case, it is important for you to know you have to be really careful when it comes to deposits. Remember not to wager more than you can afford losing and you must always strive to lower your expenses rather than increasing the profits.


However, there is one main disadvantage when it comes to the usage of credit cards and it is the significant interest charges. Due to this fact you might experience great difficulty when it comes to acquiring steady profits.


The next thing you will probably be interested in is how to find suitable binary options trader that accepts account funding via credit card. The good news is that actually the majority of binary options brokers are accepting such payments and you will not have any problems finding the one that will meet your needs. Here is a list of some well-known brokers that you might want to try.


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Trading Tip: How to Choose the Binary Options Trading Software Which Best Suits You


Binary options trading is a growing phenomenon across the world. It is much simpler than other forms of trading and, with only two outcomes, it is easy for most people to grasp. The software tools are plentiful. Not every program may be right for you. That’s why you should know the main things to look for when deciding on an online trading platform.


Free, Web-Based Software


The less you have to pay, the better. Many trading platforms are web-based so you don’t have to download anything. Even better, they offer free binary options trading accounts. If you have to pay a membership fee that might be a red flag and you should avoid that site altogether.


Multiple Currency Support


It’s understandable if you would rather trade binary options in your country’s currency. The more stable and sophisticated brokers, like Binary Uno. support the U. S. dollar, Euro, British Pound Sterling, and other major world currencies. An international presence makes the software more versatile. Even if you are a beginner, you’ll have more flexibility going forward.


Seguridad


Encryption is an important feature, especially if you’re dealing with trading and money. A fixed-returns options platform with a good level of protection will fend off any online identity theft attempts. It should also back up information and prohibit anyone from unauthorized access to your account. There should also always be a maintenance crew available should the site go down or something else goes awry.


Atención al cliente


Binary Uno’s phone and email support are available no matter what level you trade on.


Expiry Periods


This depends on your preference and need for control. The bigger range of expiry periods, the more control you have on trades. You can therefore choose from trades that last only minutes to those that last much longer, even weeks.


Payment Options


Binary Uno with its professional binary options trading platform will give you various payment options.


You can see there are many attributes of binary options trading software to consider. Some are definitely what you need, such as security and multi-currency support. Others include variables that allow flexibility and control over trading.


SAFETY OF FUNDS


At GOptions. com . we put the safety of our customers’ funds first. We are traders ourselves and have been in the industry for decades and as such we know the sensitivity to your funds and it’s 100% legitimate. As such, what we do here at GOptions is employee the highest standards of compliance and technology to ensure client funds’ safety.


Top-tier security is vital in today’s era of identity theft. We have data security as a primary concern. Please be assured that your personal information and funds are kept private and secure at all times. This is possible due to our well trained team guaranteeing your trading will be private, secure and enjoyable on our trading platform .


We use the SSL encryption technology for credit card deposits. We assure you that your personal and financial information is kept safe and secure while you trade with us. The site is completely secure using SSL certificates (as seen in the footer) and provided by the very reputable GODADDY certificate service (serves to secure transactions and customer data) as well Incapsula (protect the site from hackers and other malicious attacks) A GOptions employee will never ask you for your account password.


Comience a operar con la plataforma móvil más profesional de todos modos, en cualquier momento, siempre en la Tienda de aplicaciones de Google Play Store


GOPCIONES: UNA DECLARACIÓN DE MISIÓN


La negociación de opciones binarias con GOptions es una experiencia que no se puede comparar con otros corredores. Tenemos una oferta sin igual para los comerciantes de todo tipo con una amplia gama de activos comerciales disponibles las 24 horas del día de domingo a viernes e incluso opciones disponibles los fines de semana.


Como un grupo muy apretado de los comerciantes profesionales de las opciones de la divisa y de la divisa, la compañía tiene un sentido agudo de eso que los clientes encuentran importante; calidad. Hoy no basta tener la mejor plataforma o los retiros más rápidos. Los clientes como ustedes buscan más de la correduría que el aspecto técnico de las cosas. Ahí es donde GOptions verdaderamente brilla como somos todos los comerciantes y como tal, cualquier problema que pueda tener, siempre se le proporcionará respuestas de un comerciante. Así GOptions, en muchos sentidos es una plataforma de comercio por los comerciantes para los comerciantes.


Todo lo que hemos hecho ha sido con el comerciante en mente. Así que cuando revise lo que tenemos disponible, verá una masiva 150 activos disponibles para el comercio de una serie de maneras. Usted puede operar una amplia gama de expiries que van desde 30 segundos a 300 segundos en nuestra plataforma TURBO Options. Esto permite que las necesidades comerciales rápidas se lleven a cabo con la ejecución rápida del relámpago.


Los comerciantes también pueden negociar las opciones tradicionales Alto / Bajo o Llamar / Poner con expiras que van desde 10, 20, 30, 60 minutos hasta las opciones de fin de día. Los pares que negocian y las opciones a largo plazo están hechos disponibles 24 horas al día también.


Opciones de Ladder: opciones binarias con transparencia, sólo en GOptions


Sin embargo, la mayoría de los operadores de opciones binarias seguramente se enamorarán de nuestras opciones de escalera. Qué opciones de escalera proporcionan es un medio de la transparencia ocultado de otra manera por la niebla de la tasación. Lo que queremos decir es que al revisar las opciones binarias de precios en GOptions en las opciones tradicionales de alto / bajo, es casi imposible medir el sesgo direccional real de los mercados basados ​​sólo en el precio. Bueno, eso es sólo cierto si pasas por el increíble uso de opciones de escalera. Usted ve, las opciones de la escala proporcionan la tasación en, por debajo y por encima del precio de mercado. Así que lo que usted puede ver es que GOptions ofrece a los operadores de opciones binarias un medio de medir la verdadera proclividad del mercado en cualquier momento.


A medida que el porcentaje de desembolso encabeza más alto para uno de los extremos en la escalera, puede estar seguro de que las fluctuaciones de precios son, por lo tanto, menos probable que la cabeza en esa dirección. En otras palabras, literalmente estamos diciéndole qué hacer a continuación. Al comprender mejor el comportamiento del mercado con métricas y herramientas reales, esperamos crear una mejor raza de comerciante. Para aquellos que no están familiarizados con algunas de las ofertas de GOptions, tenga en cuenta las siguientes opciones binarias de exclusión binaria: opciones binarias de 30 segundos, opciones binarias de 60 segundos, opciones de escalera y comercio de divisas. Estos están exclusivamente disponibles en las opciones binarias GOptions plataforma de comercio y para los comerciantes, esto debería ser simplemente una bendición. Las opciones binarias de 30 segundos, así como las opciones restantes de Turbo, son simplemente los medios más rápidos e impresionantes de negociar opciones binarias hoy en día en el mundo. Al mirar los lugares de negociación de opciones binarias disponibles, es fácil ver por qué GOptions es un líder en todas las categorías como un corretaje y esto en general.


GOptions: La puerta de entrada al beneficio:


30 Las segundas opciones, cuando se usan con estrategias apropiadas, son la forma más rápida de rentabilidad actualmente alcanzable. Para aquellos que buscan otros medios de crear operaciones rentables sin el ritmo furioso de las opciones de 30 Segundos, 300 opciones de segundo o cinco minutos podría ser una mejor opción. Una vez más, el único objetivo de Goptions es expandir su oferta hacia y más allá del borde sangrante del mundo comercial sin comprometer nunca los principios sagrados que hacen que el comercio sea verdaderamente rentable.


Antes de explicar cuál es nuestra verdadera misión, GOptions, como equipo y personal, también desea dedicar un tiempo a explicar la ventaja técnica que tenemos como corretaje de opciones binarias. GOptions es la única agencia de corretaje que ofrece opciones binarias totalmente automatizadas operando al más alto nivel utilizando el software integrado de terceros. Con estas conexiones increíbles, GOptions es capaz de proporcionar una gama aún más amplia y atractiva de servicios que pueden ayudar a crear aún más beneficios y oportunidades comerciales para los comerciantes sobre una base diaria. Auto comercio con GOptions es simplemente la forma más suave y más robusto para convertir su comercio en la máquina que tiene que ser.


Tómese su tiempo y lea cuál es la misión de GOptions para su clientela y para usted. GOptions presenta sus opciones binarias


Nuestra misión se basa en proporcionar el más alto nivel de servicio a un comerciante muy exigente. Como se explica, somos comerciantes nosotros mismos y como tal, nuestro objetivo principal es proporcionar el nivel de servicio tanto en un nivel técnico y personal, que es lo que queremos para nosotros.


Esta misión se presta en cada aspecto del negocio que dirigimos en el nombre de GOptions.


Ya sea en lo que respecta a la amplia gama de activos, las expiciones a las que brindamos acceso, un increíble espectro de métodos comerciales y todo el camino hacia el servicio que ofrecemos.


Cuando se trata de servicio, es realmente clave que el personal aquí tiene experiencia real y válida cuando se trata de los problemas del día. Nadie puede estar 100% todo el tiempo. Las cosas pueden y saldrán mal. La plataforma de comercio podría tener un problema o tal vez una llamada importante con uno de nuestros representantes fue de repente cayó. Es el papel de la correduría con un alto nivel de servicio y un compromiso con la excelencia para resolver el problema. Sólo podemos ser tan buenos como nuestra última solución.


Así que cuando usted tiene un problema relacionado con el comercio, ¿quién preferiría tratar con él? Por supuesto que desea probado y probado opciones binarias expertos y somos los únicos capaces de proporcionar esto al más alto nivel.


Se producirán disputas comerciales. La plataforma se bloqueará. La ejecución se ralentizará. La pregunta es: ¿quién está ahí para ti cuando las cosas se rompen? La respuesta: Lo somos. Esa es la misión que hemos decidido emprender y para lograr esto hemos hecho una difícil elección de contratar sólo a los comerciantes de la empresa. Eso significa que incluso la secretaria tiene experiencia comercial y significa que toda la ayuda que usted recibe de nosotros será del más alto nivel de agentes experimentados y representantes de servicio las 24 horas del día.


Hemos invertido en todos los aspectos de este corretaje y sólo podemos esperar que usted venga a encontrar el servicio que proporcionamos de la más alta orden y ajuste a sus necesidades. Como parte de la misión de proporcionar este nivel de servicio continuo, nos hemos comprometido a ofrecer a los operadores de opciones binarias la posibilidad de obtener los pagos más competitivos disponibles en el mercado. Sin embargo, lo hemos llevado aún más lejos con nuestra cuenta VIP de opciones binarias. Con él, los comerciantes binarios tienen acceso a los seguros comerciales que las redes del cliente el 10% de cualquier mes perdidos en efectivo de vuelta. Lo hacemos como parte de un reembolso basado en el volumen, pero eso no es todo. Los operadores de opciones binarias con status VIP también tendrán acceso a un pago mayor en cualquier activo de su elección. Acople esta ofrenda con todo lo demás que se ofrece y te das cuenta de que aquí es donde vive el comercio: GOptions, bienvenido a la máquina mala!


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Opciones de opciones binarias tiene algunos riesgos de pérdida de fondos parcial o total. Este hecho debe ser tenido en cuenta por cualquier comerciante que está planeando hacer beneficios por el comercio de opciones. GOptions aconseja a sus clientes leer nuestros términos y condiciones cuidadosamente antes de abrir posiciones en nuestra plataforma. El comercio de opciones binarias se basa en el precio de ejercicio y cómo se relaciona con el precio de vencimiento. Si la dirección elegida por el comerciante es correcta, el pago listado en la pantalla de negociación será el pago proporcionado al cliente como beneficio. Los operadores pueden operar, 30 segundos, 60 segundos, 120 segundos y opciones binarias a largo plazo. Escalera, pares, y el constructor de la opción también están disponibles para el comerciante. Por supuesto, se recomienda que los comerciantes elegir una estrategia adecuada de gestión del dinero que limita el total de operaciones consecutivas o total de la inversión pendiente. Se recomienda operar con los siguientes navegadores: Chrome y Firefox.


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The Autorité des marchés financiers (AMF) is the latest regulator to issue a warning about binary options trading.


The Quebe securities regulator Thursday warned investors to be cautious about a firm known as Banc de Binary, which is based in Cyprus and offers an online trading platform for binary options.


The AMF says that Banc de Binary is not registered, and doesn't have an exemption to solicit investors in Quebec. It also reports that it has received at least one complaint from an investor who traded through the firm's platform and was unable to recover his investment.


The regulator notes that Banc de Binary does not specifically solicit or target investors from Quebec. Indeed, it reports that the Ontario Securities Commission (OSC) put the company on its warning list last October, and the U. S. Commodity Futures Trading Commission (CFTC) filed a civil complaint in June, charging it with violating U. S. law by soliciting U. S. citizens and operating as an unregistered Futures Commission Merchant. (See I nvestment Executive . U. S. regulators charge Banc de Binary. June 6, 2017.)


The AMF cautions investors about fraudulent schemes involving binary options generally, noting that users of these platforms can face blocked access to their accounts, refusals to refund investments, identity theft, and the manipulation of software to generate losing trades.


"The currency market is complex and volatile. It is intended for investors who have the knowledge, time and resources to track it. Investors who do not have the knowledge and time needed to trade in this market could incur significant losses," it warns.


Forex Binary Options Broker Scams


Forex Binary Options Broker Scams 5.00 / 5 (100.00%) 1 vote


The world of binary options trading is not short of scammers. Few things beat the gut-wrenching feeling of having been scammed out of your hard-earned money by an unscrupulous binary options broker. Forex binary options broker scams alert is issued by organizations such as Commodity Futures Trading Commission (CFTC) OR Securities & Exchange Commission (SEC) to warn investors of lurking dangers in the binary options market. These organizations also adjudicate any reported scams by traders. Some independent third-party websites such as ForexPeaceArmy. com, BinaryOptionsThatSuck. com, ForexFraud. com play a watchdog role and warn investors of any brokers that might be scamming traders.


Common Binary Options Scams


Forex Binary Options Broker Scams


According to CFTC and SEC, a common binary options scam involves binary options platforms that overstate the average returns that an investor can realize from their payout structures. Some platforms have been designed in such a way that the probability that an option expires out of the money (100% loss on average) significantly outweighs the chances that the option expiring in the money (approximately 50% gain). When trading on such a platform, the trader is more likely than not to lose money.


CFTC and SEC say that the most binary options scams fall under 3 main categories: refusal to credit trader accounts or reimburse funds to customers; manipulation of software so as to generate a disproportionately high number of losing trades; and identity theft.


Under the first category, binary options brokers refuse to credit customer accounts or reimburse funds once they accept money from customers. Most traders who lodge this complaint are customers who deposit an initial sum of money into their accounts and are then encouraged by brokers, usually over the phone, to deposit an additional sum of money. When the customer later attempts to withdraw the original deposit or get a refund of their money, the broker cancels the customer’s withdrawal request, refuses to credit the customer’s account or simply ignores to respond to their emails or calls.


The second category involves the manipulation of binary options trading software so that it generates a disproportionately large number of losing trades. The software helps the platform distort binary options prices and payouts. For instance, when a customers’ trade is winning, the platform might extend the countdown to expiration arbitrarily until the trade ends up becoming a loss.


In the third category of binary options fraud involves identity theft. Some unscrupulous platforms collect customers’ private information such as driver’s license data or credit card information for unspecified use. It’s possible that these platforms later sell the information to criminals who use it to hack into customer’s bank accounts or other illegal activities. If a binary options broker asks for photocopies of your credit cards, or any other personal data, do not provide the information. The broker will obviously require a bare minimum of your identity information such as your name and your ID. The broker uses this information during withdrawals to certify that they are dealing with the right person.


As a trader, it’s advisable to keep an ear open for any forex binary options broker scams alerts. You can also visit reliable third-party websites that issue scam alerts to traders and check for blacklisted brokers.


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Plataforma de operaciones de opciones binarias


Ever since 2008, there has been an increased interest in binary options trading industry. In a short period of time, lot of people has found this online type of investment very appealing to earn money. This is why, nowadays, on binary options market exists a large number of brokers who offer their services to people worldwide.


For traders to achieve profitable binary options trading, it is important to choose the right broker with an excellent binary options trading platform, that will fulfill all what trader needs in the trading process. For both, new traders as well as experienced traders, choosing the right trading platform is crucial for successful binary options trading. In this article, you will be provided with important information on what to pay attention in order to find a reliable broker with quality platform.


A good trading platform is considered to be a key factor in binary options trading process. That is because it provides all trading instruments and services that traders can use while trading. It is advised to choose a broker who offers high developed trading platform which requires no download on trader’s computer.


Instead download, the whole trading process is done online on broker’s website. Binary options trading platform should be safe so that traders would feel comfortable if their funds are safe and secure on account. Most binary options brokers have trading platform equipped with 128-bit SSL encryption, which protects against online identity theft.


It is advised for traders to choose platform, which is unique and easy to use with a user-friendly interface, especially for traders beginners in order to simplify trading process. Another advantage that quality software has is a risk management so that traders can be aware of risk level during trading process.


This feature is very useful because trader can estimate his risk level even before he makes a trade, so he can know in any moment what can be his potential winning or loss. While choosing a broker, most experienced traders will recommend to search for a platform that offers return of at least 65% so that traders can have a great possibility to earn money. When traders start trading binary options, they want to have a wide range of trading tools and service on their disposal.


For this reason, many brokers offer platform with a variety of assets to choose from; commodities, currencies, stocks and indices. Besides that, platform should also offer a wide range of expiry dates. Also, most quality trading platforms support at least few currencies, such as: American Dollar, British Pound and European Euro.


One of the most important elements is withdrawal time in trading process. Traders should carefully read withdrawal policy and broker’s terms and conditions. Usually, it takes from 2-7 business days until traders receive their money, but it all depends on the chosen account type. Another factor important for traders, especially new ones, is a good customer support service. They should be available for traders on daily basis and assist them if they have any questions during trading process.


Assistance can be provided through email, live chat or telephone. In order for brokers to gather trader all around the world, it is advised to have a multilingual platform, that operates on several different languages. Last, but not least, platform should provide traders with many different payment methods, via credit cards or bank transfer.


How to Succeed in Binary Options Trading


How to Succeed in Binary Options Trading


Even though traders realise that there is a possibility of losing their cash when trading, they continue to do so. The reason for this is that they know if they choose correctly they will have huge financial gains. How do they know what will be a successful trade? Are there any tips or techniques available that show them how to make successful trades? With binary option trading there certainly is. Read further to find out what they are.


There are two fixed outcomes when trading in binary options: the investor either makes a profit or loses everything. OF curse the investor would prefer to have a high return on their investment rather than have a losing trade. For that reason alone it is necessary to have some basic tips on binary options trading that can help to make it successful.


Tip #1: Choose correct binary options platforms


Choose a binary options platform that does not require program downloads and is free to use. Nowadays almost all binary options platforms are totally web based so investors will not waste time downloading onto their computer. The vast majority of digital options platforms do not charge investors to open a binary options account.


Select a binary options platform that is offering returns of 65-70%. Because the payout is predetermined, investors are totally aware of the profit and loss outcome. No matter how much the underlying asset price changes, a binary option contract will pay a fixed return. Never use a platform that has insufficient safety measures. The major aspect required for safety in binary options is encryption. To prevent online identity theft a fixed returns binary platform equipped with encryption from a security provider should be chosen. Be certain that the platform and security section do not allow any unofficial access to the account.


Although most online traders prefer to deal in their own currency, it is better to choose a platform that trades in many different currencies. This type of platform has international appeal and shows firmness.


Tip #2: Do Research


Even though it is very easy to trade in binary options, it is necessary that an investor checks out all the relevant securities and markets. Traders need to know how the market fluctuates and how it affects the different aspects and phases of business. Although binary options trading are not directly influenced by these factors, it is still necessary to factor these events no matter how experienced a trader is. For traders to stay ahead of time they should study the market through reading the information sheets that regularly come out regarding the latest happenings.


Tip #3: Develop Trading Strategies


One of the many binary options tips to being successful is to have a well planned strategy. This is essential if the business is to succeed. Traders should make their own plans and strategies. Before beginning to trade, use a demo account to learn which plans work and to develop a trading strategy.


In today’s financial world, binary options trading are one of the easiest investment schemes used by traders. Even though it is very flexible, there are still some risks attached. For that reason, these tips should be used to help the investor become a successful trader.


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NETELLER Binary Options Brokers


Below is a list of recommend binary options brokers that allow deposits and withdrawals by NETELLER:


NETELLER is an eWallet payment systemwhich is used globally by millions of users and has proven to be very popular with binary options brokers worldwide. Initially established in Canada 1999 by Optimal Payments Limited, the NETELLER system allows users to both receive and send payments. Since 2004, NETELLER operates from the Isle of Man and formerly under the jurisdiction of the UK’s Financial Services Authority (FSA). Since the abolishment of the FSA, the regulatory jurisdiction now falls under the ambit of the Financial Conduct Authority (FCA) as authorised by the Electronic Money Regulations 2011 (900015).


Regulated by FCA, NETELLER conform to the all the strict regulatory requirements required under UK’s legislations. This includes having adequate safety measures in place to protect their clients from fraud or identity theft. In order for customers to access the NETELLER payment system, they need to have two access codes in addition to a password. Furthermore, the company also adopt internationally accepted protocols to protect against money laundering.


NETELLER is legally classified as a financial services provider. It only serves as a conduit for customers to receive or transfer funds. It does not provide loans and is required by law to segregate clients’ funds away from its operating funds. This is to ensure that the company have sufficient funds to pay all its clients simultaneously.


Today, with a market coverage over 180 countries, NETELLER has earned the trust and confidence of consumers and traders from all over the world. Individuals find that sending money through NETELLER is convenient, fast and safe. For businesses, NETELLER payment services help them to expand the markets which they can cover where traditional methods of fund transfer does not work. Apart from straight forward transfer of funds from one party to another, NETELLER also deals with the transfer of funds through credit/debit cards such as:’


CartaSi


EPS


Maestro Debit Card


Moneta ru


paysafecard


POLi


Przelewy24


Tickersurf


Visa Debit


Visa Electron


Visa MasterCard


Another thing to note about NETELLER is the fact that they also issue an internationally accepted MasterCard debit card call Net+ which customers can use to fund their eWallet. Hence, because of all the advantages that NETTELLER offers, it is not surprising to find many binary options brokers today accepting NETELLER as one of the main methods which their clients can use to deposit or withdraw funds.


How to uncover a binary options scam


Trading with binary options has become a popular way of earning a stable monthly income for many people, because this form of investment offers quick, if not instant returns. What is more, anyone can trade as long as they are of legal age and the only thing they need to do is open an online account on a trading platform. Unfortunately, the binary options industry has been plagued by scams for many years now and traders need to pay attention to this threat when choosing their broker. There are certain signs that give frauds away even though they pose as reliable brokers and in this article, you will learn how to distinguish a trustworthy broker from a scam. For instance, you can tell from the Boss Capital withdrawal policy that this broker offers state of the art services, because they process withdrawals in less than two days and they have not received any fund withdrawal complaint from their customers.


Check out binary options broker reviews


Considering the fact that numerous traders have been scammed in the past and the number is increasing, some professional traders have created online platforms dedicated to uncover binary options scams. These traders create blacklists with brokers that cannot be trusted after receiving complaints and investigating them for a long period. What is more, there are also websites where you can find broker reviews and see not only which trading platforms are safe to use, but also which broker offers the services you require. Make sure you read more than one review about a broker before opening an account, so as to ensure the information is truly accurate and reliable.


Check out the money withdrawal policy


Most traders only discover they have been scammed when trying to withdraw their funds. Scams will refuse to process the withdrawal by invoking a certain rule you have presumably broken or simply ignore the e-mails of the customer asking for an explanation after blocking their account. Considering the fact that scam brokers need to keep the façade on as long as possible, they will try to persuade customers that they are right to refuse withdrawals, so they set up hidden policy terms you unknowingly break. If the money withdrawal policy has hidden terms, unfavorable points or terms you cannot avoid breaking, it is more than likely that your broker is a scam. A reputable broker will try to offer high quality services, not focus on tricking their customers.


Pay attention to identity theft


Trading with binary options requires your personal information. While binary options brokers protect your private information with advanced encryption programs, scams will use that information to make money either by selling the data to ad companies or using it to trade in your stead. If your broker is using your funds without permission or you receive e-mails from companies and websites you have not subscribed to, you could be a victim of identity theft. This is why it is important to check the reliability of a broker before opening an account and it takes only a couple of minutes to visit several specialized websites.


More from my site


What to look for when choosing a binary options broker


Choose a top broker for your investment


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Three good reasons to check out binary options reviews


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101 guide to binary options trading


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About AutoTradingBinary


We are forex traders at heart, but the ROI from binary options is too high to disregard. Our expert traders manage your trading account and place profitable automated trades with 100% transparency.


Is Trading Binary Options Legitimate?


Now, without a doubt the growth in binary options trading over the last couple of years has been phenomenal. The beauty behind trading binary options is that they are easy to understand, defined/limited risk, defined payouts, non-leveraged and very low barrier of entry for traders. Are you wondering is trading binary options legitimate?


Sounds good right? So what’s the problem and is binary options worth it? The knocks on trading binary options are:


It’s seen as gambling and not real trading.


he brokers have the advantage.


A lot of brokers are not regulated and lack credibility.


It’s marketed as a way to get rich quick.


Of course, some of these concerns are legit while others can be dismissed. Let’s further investigate these claims.


They say that 90 percent of retail FX traders lose 90 percent of their money in 90 days who trade on margin account. In addition, most day traders lose money even with regulated binary options brokers. When trading binary options you are making a bet on whether a currency pair will be above a certain level or below a certain level. One thing is for sure, binary options are not an investment vehicle . Most short term traders focus on ‘ technical analysis ’, which is no different from successful binary options traders. If you’re trading binary options based on an indicator or pattern that has a “proven statistical edge” then it’s no different from day trading stocks, futures or currencies .


How about the brokers? It’s no secret that odds are stacked against the trader, anytime you risk more than you can potentially make the probability works against you. Depending on what you’re trading and who the broker is, the payout could range from 50% to 81%. Is this a problem? Again, if you’re trading and feel that you’ve got a statistical edge it shouldn’t be an issue. When trading vanilla options, there are transaction costs . the broker charges a commission . not only that but you have to overcome what you lose from the bid/ask spread. The broker offers a service and want to be compensated for that. It’s true that the majority binary brokers don’t hedge and are on the other side of your trade. However, the payout and the risk is pre-determined.


As you can see, the first two claims can be debated. Moving on…


In some countries, trading binary options is not allowed because the brokers are not regulated. There is a major debate on whether they are legal or not. Some view it as gambling, while others view it as trading . In some countries, like the USA, some FX broker platforms are considered illegal and they won’t accept US based customers.


Broker selection is one of the most important factors in your success as a binary options trader. Over the last couple years, some customers have had complaints with binary options brokers. What are these issues? Refusal to credit accounts or reimburse funds and identity theft. Obviously, this is very scary stuff. It’s important that you do a background check of your broker. The beauty is you can do a lot of research on brokers by doing a simple internet search, reading blogs, forums and watching YouTube. Unfortunately, a couple of bad apples are ruining it for reputable brokers. Things you should look for in a broker are reviews from customers or a reputable review source that trades through the broker platforms and grades them. You should be asking the right questions:


How are your funds protected?


How long has the firm been in business?


Who are the owners of the brokerage?


The less detail you have on the firm, the more skeptical you should be. If you deposit funds, where are the funds allocated? Is the bank reputable? Have customers had issues getting funds back?


Many brokers are making efforts to become regulated. The ones who offer the most security are the ones you should gravitate towards.


Winning and losing money trading binary options is very easy to do. Trading is very difficult, again, most successful binary options trader’s trade based on a statistical edge . with that said, binary strategies must be back tested and adjusted as market conditions change. Anyone bragging about how easy binary options trading is, should not be taken seriously. It’s very difficult to be consistently profitable. It requires hard work, research and a little bit of luck. Stay away from systems or brokers that promise easy money.


In conclusion, trading Forex binary options is not a scam . However, you have to do your homework on who to select as a binary options broker. There are scam businesses out there, but that doesn’t mean that the whole binary options industry is a scam. Find out if it’s legal for the broker to accept accounts from residents of your country.


Also, it doesn’t hurt to use a little common-sense; trading can be difficult, just because it’s easy to put on a trade doesn’t mean you’ll be successful. So do your homework first so that trades work for you and not the broker!


Binary Options Beginners Strategies


Binary options offer an innovative way of trading that is not as risky as other types of investments. The premise is simple: traders must decide whether an asset’s value will increase or decrease before its expiration day and time. If the prediction is right, traders make a profit. Otherwise, a percentage of the initial investment is lost. By learning a few binary Options beginners strategies one can improve their trading skills and get better results.


Choose your assets wisely


The number of assets available is overwhelming even to the most seasoned traders. As a beginner, you should start by picking a few assets you feel comfortable with and have an interest in studying. A bit of research can go a long way in making better predictions. Therefore, invest some time in learning about the asset of choice, as well as its trends over time and what some of the financial analysts are saying about its future direction. Stay current with news about your assets and any major economic decisions by visiting websites about the various markets. Starting with a few assets in your portfolio will allow you to focus and hone in your trading skills.


Try before you buy


Many brokers allow traders to test a demo or open a practice account. This allows you to get familiar with the platform and practice trading. Most practice accounts are free, although some may require a deposit. Along with the account, traders get a sum of fake money to be used in trades. With zero risk involved, this is an excellent way for new binary options traders to start climbing the steep learning curve.


Assess and choose a broker


Traders have access to many online binary options platforms. You must carefully select a reliable and dependable platform that will meet your trading needs. When assessing whether a platform is right for you or not, you should first consider how many assets are offered. Some platforms offer hundreds of assets while others have a specific specialty and only offer a few.


Traders want to maximize their return potential. As a beginner, you should consider using a platform that offers returns of at least 65-70 percent. Another factor to consider is how often you wish to deposit and withdraw money from your trading account. Many platforms have no restrictions on this but others have predetermined periods for each activity. Read the terms and conditions of various platforms to ensure that it meets your money management needs.


When dealing with financial transactions, security is always a concern. Traders should verify that the encryption level of the platform is of at least 128-bit SSL encryption. This is essential to protect personal data against online identity theft.


Customer service may not be at the forefront of your concerns for now, but should you require some assistance, you want to know that you will receive great service in a prompt and efficient manner. Many platforms offer an email as well as a phone service that should have a local number for your country of residence.


You are now ready to make your first trade


Once you have implemented the above-mentioned strategies, your next step is to dive in and make your first trade. After choosing an asset, make your prediction by selecting a type of option (call or put), select the amount you are willing to invest and wait for the position to expire to see your results.


You should always remember that as easy as it is to make money, it is just as easy to lose money. While trading binary options is a simple action, profiting from them takes dedication, knowledge, and practice. Make sensible choices and you will be well on your way to gaining confidence in your trading skills, making more profits, and getting ready to take your investments to the next level.


Nuestro corredor más recomendado


It’s not uncommon for traders to complain that they are not very clear with their fund withdrawing process. However, money withdrawal with TopOption actually involves only some simple and understandable steps while offering easy opportunities. Check out all the information regarding this platform’s withdrawal process below.


Taken into account the risks of identity theft or money laundering, the process of withdrawal requires traders first to provide some specific documents before they can make a request. The documents have to help verify the identity of the trader, ensuring the money will be transferred to the right person and the right account. After this verification has been completed, traders can withdraw their money any time easily. For more information, check out topoption review !


Making a TopOption Withdrawal Request


TopOption withdrawal process comes in a design that clearly shows their effort to provide clients with a user-friendly fund transferring method that links their online platform to any other account. The process includes some simple steps as follows:


Account login – the first step in the withdrawal is to sign in to your account where all the accumulated funds are recorded. After accessing the platform and seeing the user interface, just go to the My account tab.


Enter the Withdraw funds tab – after opening the My account page, look for the option of “Withdraw funds” on that page and click on it. You will then be directed to a new page.


Specify the amount – having gone through the two steps above, you will see on the interface the available funds that are currently in your account along with an empty tab meant for entering your desired amount to withdraw. Just type the amount in that empty tab but do remember to make sure that amount is not greater than your current available funds.


Submit the request – once you have completed all the steps above, all that’s left is to submit the request and wait for the platform’s financial department to process it. Note that the withdrawal amount will however be debited at the same time from your account. The deduction will equal the exact amount that was applied to be withdrawn as the platform requires no extra charges or fees.


Wait for request approval – within 7 days from the day the request was submitted, you will receive the money in your account given that it’s accepted. On the other hand, the amount will be credited to your account again in case the request is declined.


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Free Binary Options Robots


Whenever people hear of a service being offered free, they always begin to ask questions like, what’s the catch. The binary options market has had its moments of controversy since its emergence in the late 2000s. However, stability boosted by increased regulation has made things a lot orderly in the last couple of years.


Nonetheless, there are still a few cases here and there of people getting scammed, especially by when it comes to third party services and products, like the provision of binary options robots and trading signals. Generally, most of these services are offered free at no charge while others do charge a small premium to those who wish to enjoy more features by subscribing to pro/VIP versions.


Free Binary Options Robots:


Up to 20% Cash Back Promo


Free or $79 for Pro Version


Now, as we all know, most people opt for the free binary options robots, rather than the premium service unless they are fully convinced that the service offered is actually profitable to them. Therefore, these leaves the masses with a big question of: What’s the catch? How are these guys making money?


Such questions always raise the suspicion that the providers of such a service could be using other behind the scenes means to defraud users, for instant via identity theft. However, traders shouldn’t actually be worried when they see a service being advertised as free, but they should, nonetheless, ensure thorough screening to avoid falling into a trap.


You see, the thing is that there are genuine free binary options robots out there. It is pretty possible to establish how they make their profits, which means traders shouldn’t worry much when they come across such a provider.


How free binary options robots providers make money


One of the things that traders looking for free binary options robots should note is that none of them are stand-alone brokers. Most of them only offer the auto trading service, while others are products of notable brokers. Either way, they all have some connection with binary options brokers.


This connection creates the avenues for them to make money by referring new clients to those brokers. As you may have already noticed, all binary options brokers have affiliate programs. They offer different plans to different partners including profit sharing, CPA (cost per acquisition) and even at times CPC, for advertising and conversion purposes.


Whenever a new traders signs up for the free binary options robots service, they are required to sign up with one of the provider’s recommended binary options brokers. The free binary options robots service providers then receive a commission or CPA for bringing new clients to the broker.


As such, the end result is that the trader signs up with a broker, which he/she would have done either way, regardless of whether or not he/she got referred by the free binary options robot service provider. But in this case, the trader gets to enjoy trading at no charge using an auto trading system/binary options robot, while the provider of the robot gets rewarded for referring you to the broker.


It definitely sounds like a win-win case scenario for the trader here. However, some of these providers also do have a VIP service in which case, traders are either required to pay a certain fee on a monthly basis, or a one off-fee. In other cases (e. g. binaryoptionrobot. com), traders can continue to enjoy VIP features as long as they keep on referring new traders to sign up for the free service. How does that one sound?


Examples of free binary options robots


Free binary options robots are subdivided into two categories. There are those that are not owned by a particular broker, but rather have relationships with multiple brokers, and of course there those that are part of the product mix of a particular broker.


For instance, AlgoBit is a product developed and supplied by OptionBit, a broker regulated by GSEC (Gibraltar Securities and Exchange Commission), there is also AnyOption’s CopyOp and OptionWeb’s BestoCopy . among others.


As for those that have multiple broker relationships, we have Binary-Option-Robot. com . BinaryOptionRobot. com and BinaryHedgeFund. com . among others.


How much can you make with free binary options robots?


Since the service is widely provided at no charge, many would think that returns realized using free binary options are insignificant.


The truth is that premium binary options robots are likely to provide more success to traders due to the additional features included. However, even with free versions, traders can still realize significant returns if they pick their strategies well.


Most free binary options robots allow traders to make various choices, such as the amount to risk per trade, assets to trade, as well as, duration. So be sure to tweak your strategy for optimal gains. Traders using these free services have claimed to make as much as 81% in win-rates, which is a lucrative sum.


How to Choose the Right Binary Options Trading Platform?


There are a number of platforms for global trading, but the one platform where the trading business is practically booming is binary options, also known as digital options or fixed-return options. This isn’t surprising in the very least, as binary options trading platforms are some of the most stable and simple platforms ever.


How Do Binary Options Platforms Work?


Trades done by these platforms involve only two possible outcomes at best, i. e. all or nothing. The investor will be protected against any explosive losses, although this possibility is again limited due to the current contract’s value.


The popularity of this platform has reached an all time high, as a result of which, a number of new online trading platforms and programs are being offered to users. How can you know which trading software or program will actually help and which will not? Following are some features that you need to make sure that the trading program or software includes.


Choose a Platform That Is either Web-Based or Downloadable


When it comes to the binary option trading platform. it will be very easy to find programs that are completely web-based as well as software that has to be downloaded first on the computer. Both the options have their own advantages as well as disadvantages, although the software based platforms are much more popular than web-based ones.


Choose a Platform That Supports Different Currencies


Naturally, you would prefer trading in your own currency but a platform that offers support for a multitude of currencies is much more stable, sophisticated and has international presence. If you can find a binary options trading platform that provides ability to support trading in US dollar, the Euro and any other additional currencies, then that is a very good option.


Choose a Platform That Provides the Best Security Measures


Strong encryption methods are used in order to make a binary options trading platform safe for users. This means; when looking for a good platform to invest in, pick the one with the fixed-returns option and that which is equipped with a 128-bit SSL encryption. This will be your protection against online identity theft. In addition to this, the platform in question should have a reliable backup server for all your daily transactions and information, as well as provide a 24 hour maintenance and support center.


Choose a Platform That Lets You Withdraw Money Made At Any Time


You will have to check the withdrawals policy of the platform in question, before choosing it. Be sure that the platform allows you to easily withdraw or deposit money at any time you want. Similarly, those platforms that impose a withdrawal waiting period should be disregarded.


Look For a Platform That Allows Appropriate Expiry Periods


As a trader, you must have maximum control on your dealings and trades which is why choosing binary trading software that gives access to a wide range of options when it comes to expiry periods, is important.


Want to know more about binary options trading platform? You can do so by visiting ETX Capital today!


Binary options withdrawing funds – Broker Investigator


Perhaps the most common problem encountered by traders of online retail binary options and the topic on which we receive the most complaints by readers here at binaryoptionswire. com is the topic of withdrawing funds or profits from one’s account.


In theory, most brokers claim that the withdrawal process should be quick and secure, much like the process of making a deposit. In reality however things are often not so. This is perhaps not surprising as everyone is very willing to accept your money and very helpful in assisting you to part with it and deposit it into your account, while when the time comes to pay up all sorts of delays and other hiccups may arise. Some are justified and even rightly so imposed by brokers or market regulators in each jurisdiction to ensure traders’ protection, while others may not and may even be indicative of foul play on behalf of the broker. To help traders discern the truth and be able to identify what the real problem may be in their case, let us revisit some basics about the fund withdrawals when trading binary options online.


To be able to withdraw funds from your trading account the first prerequisite is that funds are available in it. This goes without saying but needs to stressed as is also the need to differentiate whether what you are asking to withdraw is unused funds that you have deposited, funds that represent the profits you have gained through successful trading or bonus money granted to you by the broker through a special promotion. We will discuss this further below.


So, provided you have funds available, then you need to submit a formal withdrawal request. The withdrawal procedure is pretty much uniform across most online binary options brokers so the basic guidelines of how this is done more or less apply to all cases irrespective of who your broker is. What usually differs is certain limitations that have to do with timeframes or the fees charged for withdrawals and you should make sure that you are clear what these are even before opening an account and definitely before making your withdrawal request.


Usually then, in order to request a withdrawal you need to be logged into your account and submit the request at the withdrawals area screen, specifying the amount you wish to withdraw. Usually you will also need to provide some proof of identification and this is an absolute must if it is the first time you are attempting to withdraw. Don’t be frustrated when a broker asks for such proof. Besides being forced to do by regulating bodies and international rules, especially with regards to Anti Money Laundering measures, seeking a valid proof of identification is in fact to your interest, because it means that your funds are protected and none else besides you, after proving you are indeed you, can gain access to them. If brokers were frivolous with this issue then your funds could have been stolen and vanish or you may have fallen victim of identity theft.


The accepted identification documents are usually the ones bearing a photo of the owner, such as a valid passport or driver’s license, complimented by proof of address which is usually in the form of a recent utility bill or a bank statement, where your current address is clearly shown. Moreover, in case the withdrawal is done via a credit card then photocopies of the credit card’s front and back showing the last four digits of the card number may need to be also submitted.


Once you submit all the necessary documentation and fill in any needed paperwork, then you can choose the withdrawal method you prefer and finalize your request in order to receive your funds. Many brokers offer withdrawals via a variety of methods such as credit cards, debit cards and e-wallet services, while others may only offer withdrawals via wire/bank transfers, which usually take longer and cost more. This information should be readily available even before you open your account, so check out what a broker accepts in terms of withdrawals methods before you commit to opening an account and depositing funds.


Moreover, bear in mind that brokers’ policies vary in terms of the minimum and maximum withdrawal limits they set. Honest brokers should not impose limitations when it comes to withdrawing your own funds, bonus funds are another story, but the truth is that such limits are often set and if you have already agreed to the broker’s terms and conditions on sign up, then you have no choice but to adhere to what you have already agreed on. In general terms, there are higher limits when withdrawing via wire transfer than when withdrawing via credit card.


The withdrawal method is also directly linked to the withdrawal fees being charged and to the time limits that may apply until your request is processed. Again both these issues also differ from broker to broker and you should check to know what applies in your particular case as there are many variations. Generally speaking however, credit and debit cards and e-wallets services are considered as quicker methods than wire/bank transfers, while one should also make allowance for the broker’s processing time as well.


There are also variations in terms of the fees being charged, but again usually bank/wire transfers cost more, while some brokers charge flat fees and others charge a percentage on the amount you withdraw. Moreover, most brokers base their policy on this matter on the type of account you hold with them, usually charging a higher fee for small account holders, while offering free withdrawals to those holding premium type accounts, which presuppose a higher initial deposit sum, as a further incentive to clients.


As hinted above, besides the handling time needed by the payment processor, there is another time period involved in the handling of your withdrawal that is the processing time of the broker itself. Withdrawals do not happen instantly and they are not automated processes, thus they actually need to be checked, evaluated and then approved by a staff member of your broker and the truth is that large brokers literally receive hundreds or even thousands of withdrawal requests every day. This may justify why sometime is needed to go through them all and why your withdrawal may be delayed. However, it is not surprising if a broker deliberately stalls your withdrawal process since brokers need to keep a tight control over the outflow of funds, since they wouldn’t want everyone withdrawing their money at the same time, as simply they wouldn’t be able to cover the sums needed.


This is why often after you submit a withdrawal request you might receive phone calls from your broker, trying, even if indirectly, to convince you to keep the money in your trading account instead of withdrawing it by offering you some kind of exclusive promotion just for you and just for that time. Moreover, it is not unheard of that brokers may claim not have received the documents you submitted or stalling the process in various ways expecting you to cool off and decide to leave the money in the account or get carried away and place further trades using those funds and ending up losing the sum you wanted to withdraw.


However, if your broker is honest and reliable and you have all the necessary paperwork in order then the only thing you will need to receive the funds you request to withdraw is some patience and resolve and it should work fine.


And now a final but necessary clarification. The usual problems with withdrawals arise when clients try to withdraw funds earned via special promotions and bonuses . As illustrated by the recently published case of IronFX and its Chinese clients whom the broker denied to pay because it claims they have breached the terms of such promotions and manipulated the system to fulfill the requirements in unacceptable ways, it is clear that brokers will never pay out any sum if they suspect that it was not legitimately earned and that is the product of some sort of exploitation such as software hack or something similar.


Moreover, all bonuses are stings attached, even if they appear as real money in your account. Therefore, do not expect to withdraw bonus money unless you have actually fulfilled the conditions set out by the broker in terms of, for example, the volume of trades you have made before you can withdraw.


So, as always, do not be carried away and overexcited by over generous bonus promotions and make sure you read and understand all the associated small print to be sure that you are certain to what you agree and you don’t have your exceptions disappointed.


Binary options – Learn to trade and profit


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Tips for trading in binary options


Choose a trading platform that pays out a minimum of 65 to 70 percent: one of the greatest advantages of online trading in binary options is that a payout is guaranteed. Being an investor entails that you are fully up to date to the consequences and results of possible profits or loss before the option runs out.


Only trade in binary options at bona fide brokers who give out compensation payout for an “out of money” result. This is a valuable option and very much worth the time examining it for a moment. There are brokers who return up to 15 percent on “out of money” results. It is good to know that in stead of losing the full payment there is a possibility of recovering part of it.


Choose a business premiss that offers a diversity of currencies: most merchants like to trade only in their own currency (the British Pound, in our case), but this is not necessarily the best option. Brokers who allow a range of different currencies are often more solid, have an international exposure and, because of a larger supply, better compensation. For example, think about trading in US dollars, Swiss Franks, the Euro or Japanese Yen.


Only trade at business premisses that use a safe and protected software. The most important requisite is that the platform where you would like to trade encrypts all transactions following the latest 128 bits technology. With this, identity theft is prohibited and your trading account is protected against illicit use.


New at Binary Options trading? Click here to check our page for beginners to get you on your way!


Risks of binary option trading and trading online


Let's start by mentioning that there are no other safety risks to online trading in binary options than there would be in the case of “normal” trading. Moreover, over 90 percent of the entrepreneurs does his/her business on the internet. The remaining ten percent that still places orders using a telephone basically also does this online, because the broker that takes the order will always place it online. So far the risks concerning safety.


Trading risk


Just like with any other product concerning the predicting of results, there is also a risk connected to this when trading in binary options. There is no guarantee that what a merchant predicts will actually prove to be correct. Therefore you will have to make sure to stay informed of the stock index and its changes.


Reading articles in the Financial Times (which is also available online) gives you a head start. You can always depend on the information to be accurate and reliable. The Financial Times generally does their research thoroughly and is well up in trade centres journalistically.


What are the most traded options in The United Kingdom and/or Europe?


It is hard to say which binary options are traded the most. This differs, each day is different, and of course it strongly depends on exchange rates of all sorts of related products. As you may know, the price of a currency is connected to the price of raw materials such as oil, gold and diamonds. Furthermore, there are a lot of external factors that can be of great influence on the stock changes. It is because of this that it is difficult to point out which options are traded the most.


Now it's time to start trading


After the basics, reading of the usefull tips and the short introduction of trading in binary options you now posses a solid base to carefully start trading. The most important thing now is to find your first broker. 365BinaryOption. com is the perfect broker to open your first account. They have a very large section dedicated about education, and offer several plans to help you succeed, like at least one weekly consult with a senior broker. Even the more experience traders experience huge benefits of such sessions.


Open here your account at 365BinaryOption. com and DOUBLE your money BEFORE your first trade, just to get you started


365BinaryOption has a very clear and easy-to-use website and the there is always someone from customer service available if you have any question. Make sure you have set your budget before opening your account and start carefully. There is no reason to rush, think twice before making a trade. Your patience will be rewarded.


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Binary Options Brokers that Accept the Discover Card


Binary Options Brokers that Accept the Discover Card


The Discover Card has gained popularity over the years and is considered to be by many Forex and binary options traders to be one of the more accepted credit cards used for depositing and/or funding your real money trading account. The benefits of using this card are not only numerous, but also very enticing. For example, they offer 5% cashback on charges made through the card every quarter, and you can use that to buy anything on Amazon for a discounted price. Additionally, there is no annual fee but most importantly there are no foreign transaction fees.


Additionally, you can use the gift cards, and enjoy identity theft protection. Binary options brokers accepting the Discover Card are Goptions and GTOptions. However this is subject to change and you may be required to use your Visa, or Amex card. Additionally, it’s always good to have an E-wallet such as Neteller or Paypal ready for use in case your card is declined by the broker .


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Identity Theft Protection Service Reviews


We compiled a list of 26 services and identified the top 8 products to review based on the 33 most important features.


What Identity Theft Protection Services Matter and Why


Identity Theft Recovery


Identity Theft Recovery details the services the identity theft protection company offers to help victims of ID fraud reclaim their identity. Many companies have fraud specialists standing by to assist consumers with repairing the damages caused by identity theft. They may also offer lost wallet protection to assist in canceling lost or stolen credit or debit cards.


The best ID protection services also provide identity theft insurance to cover the costs of reclaiming an identity and enable consumers to put fraud notifications on their accounts to inform the credit bureaus of the situation. Focusing on this category when selecting an identity theft protection service is a good idea because these are the tools that help consumers resume normal life following identity theft.


Most Important Identity Theft Recovery Features


Fraud Alert Reminders — The company will remind you when the fraud alert on your account is about to expire so you can renew it.


Fraud Specialist — The company provides access to fraud specialists to help you manage your fraud case.


Identity Theft Insurance — The company offers insurance to reimburse you for costs related to restoring your identity.


Lost Wallet Protection — The company offers assistance with canceling and replacing lost or stolen credit/debit cards.


Information Protection


Information Protection is an important category that indicates what types of personal information the identity theft protection service monitors. All of the best ID theft protection companies cover the basics like Social Security number, full name, address, and credit/debit cards. Some companies also monitor information from public records and any loans taken out in the consumer's name. This category is definitely worth paying attention to because it is essentially the foundation of identity theft protection services.


Most Important Information Protection Features


Address — The company protects against any unauthorized use of your address.


Bank Accounts — The company protects against any unauthorized use of your bank account information.


Credit/Debit Cards — The company protects against any unauthorized use of your credit or debit cards.


Loans — The company protects against any unauthorized loans made in your name.


Name — The company protects against any unauthorized use of your full name.


Public Records — The company monitors any information about you in public records.


Social Security Number — The company protects against any unauthorized use of your Social Security number.


Additional Services


Additional Services is a broad category covering all the extra tools and services offered by an ID theft protection company. Many offer credit monitoring and reports, and send alerts whenever any suspicious activity is noted. Families might be interested in child ID protection since identity thieves may attempt to steal children's personal information as well.


Medical identity theft is another common problem, where thieves use a person's health insurance to receive medical treatment. This category comprises a lot of extras and, depending on the individual, some of these features could be very important elements of their ideal ID theft solution.


Most Important Additional Services Features


Child ID Protection — The company protects against any unauthorized use of your children's personal information.


Credit Monitoring — The company monitors your credit reports for any suspicious activity.


Credit Reports — You can get access to your credit reports through the company.


Credit Scores — You can get access to your credit scores through the company.


Early Warning Alerts — The company provides early warning alerts following suspicious behavior.


Mailing List Removal — The company will remove your name from mailing lists to help protect your personal information.


Medical ID Theft Protection — The company monitors your medical benefits for any suspicious activity.


Security Freeze — You can place a security freeze on your credit reports if fraud or identity theft is suspected.


Apoyo


Support describes the different options consumers have to contact the identity theft protection service. Popular options include email and phone support. Live chat is another option that's great for convenience and quick communication, although it is less common than phone or email support.


Certain identity theft protection companies also have a strong presence on social networks like Facebook and Twitter, so consumers can reach out to them there. This category is fairly important because being able to speak to someone quickly is crucial in cases of potential ID theft.


Most Important Support Features


Email — The company has an email or ticket system dedicated to support.


Live Chat — The company offers live chat support.


Phone — You can contact the company by phone to get support.


Social Media — You can contact the company with questions through their social networks.


Learning Materials


Learning Materials explains the resources the ID theft protection service provides on its website to help consumers understand the company's service. This may include video tutorials explaining how to use certain functions in one's online account or a knowledge base of help articles.


Some companies also have an industry-related blog containing useful tips on how consumers can keep their identities safe and what to do in the event of a stolen identity. This category probably won't play a large role in most people's decisions but it can still be very useful, especially to those who are new to identity protection services.


Most Important Learning Material Features


Blog or Articles — A blog or relevant articles on identity theft protection are provided by the company.


FAQs — The company provides a list of answers to Frequently Asked Questions (FAQs).


Knowledge Base — The company provides a knowledge base of detailed help articles.


Mobile


The Mobile category details the availability of a mobile app and its features. The top identity theft protection services offer an app that's available on multiple platforms in addition to a mobile-friendly website. The apps typically enable users to access their identity theft protection account and view any alerts of suspicious activity.


Mobile shouldn't be a deciding factor when choosing an ID theft protection company, but it can be beneficial, particularly for those who spend a lot of time away from the computer.


Most Important Mobile Features


Access Account — You can access your account from a mobile device.


Alerts — You can view identity theft alerts from a mobile device.


Android App — The company has an Android-specific app.


Favorable Reviews — The company has a combined 3.5 stars or greater for their iPhone and Android apps.


iPhone App — The company has an iPhone-specific app.


Mobile Website — The company has a mobile-specific website.


Tablet — The company has a tablet-based app.


All Identity Theft Protection Service Reviews


FICO Ultimate 3B


Binary Options Anonymous is back and this time we plan to expose the Millionaire Shield SCAM! This review may save you a lot of money. Before we continue any further, you should know that we are not affiliated with any services, our only goal is to protect the industry. The Millionaireshield. com website was exposed in details on BinaryoptionsWatchdog. com (Millionaire Shield Review ) and the review uncovered the untold reality behind this elaborate money-making scheme.


The CEO of the software Steven Hulsman is not a real person. It’s a fake identity and his picture was purchased from ShutterStock. com. This website allows webmasters to gain access to a database of free stock pictures and today we decided to ask the same question that was asked in the previous review on Watchdog, exposing the Millionaire Shield scam. If the software was profitable, why did the creator of the Millionaire Shield software decide to create a fake identity? When a binary options software is profitable, the owner shouldn’t find it necessary to hide.


You may receive invitations by email solicitors, inviting you to join the Millionaireshield. com software and earn large sums of money with binary options. In an industry full of lies you must be very diligent with your choice of services and brokers. Our goal is not to promote any service or refer you to a different offer, but we do find it necessary to educate you and warn you that if you decide to invest your money with a software that’s based on lies, you will lose the money you deposit and after observing many signals services, we have no doubt that the Millionaire Shield is just another fraud.


Millionaire Shield Review on YouTube


Steven Hulsman doesn’t exist and the only blogs, email marketers and YouTube videos that are promoting the Millionaire Shield are doing it purely for money, without questioning the credibility of the services they choose to protect. As long as BinaryoptionsAnonymous. com is around, we will make sure to help as many people as we can from getting caught up in a ‘bait and switch’ theft operation


The Millionaire Shield by Steven Hulsman is now endorsed by fake news release sites and largely via email campaigns. Please help us get the truth out by sharing this important review, we will not stand by and watch Google fail to do their job by ranking the scam sites above those who seek to warn traders. We will use any means we can to overcome the incompetence by Google and make sure that our Millionaire Shield review will defeat your failed algorithms.


We will not point you to any services or brokers but we do recommend that you do a lot of research and trust us because we are the only blog that is not commercial in any way. Safe alternatives are out there but it’s up for you to find them. As we stated previously, we are back, we are Anonymous and we are coming for every scam we find. Avoid the Millionaire Shield and save yourself, your family and the people who depend on you to make smart, thoughtful financial decisions.


What is the name list LIcencse & Corredor Regulado


Binary Options Software Free Download mecanismo de elección puede ser un código de mercantilismo absolutamente controlado por la máquina que negocia mecánicamente las opciones binarias. Incluye un sistema de mercantilismo automático que generan señales proporcionadas por los indicadores de mercantilismo. Es el código de mercantilismo de opciones binarias más sencillo, es muy sencillo de usar como resultado de que no se necesita información previa.


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Binary Options Software Free Download El mecanismo de elección contiene los sistemas de mercantilismo más simples, estrategias y métodos para formar efectivo con opciones binarias. Conjuntamente tenemos una tendencia a medir cuadrados orgullosos de anunciar que el mecanismo de elección binaria se negocia en los corredores de opciones binarias más simples. Funciona mediante el mecanismo de elección binaria analizar la tendencia del mercado en tiempo real y calcular el precio de cada indicador de mercantilismo. Los indicadores ofrece señales de mercantilismo de un coche a la decisión o el lugar.


Opciones binarias de software libre de descarga mecanismo de elección ejecutar instantáneamente los oficios en el corredor de opciones binarias siguiendo las señales y, por tanto, el sistema de mercantilismo. Las opciones binarias de medida cuadrada de contratos de riesgo restringido apoyado un simple sí / no propuesta de mercado dando a los comerciantes formas de comercio de los principales mercados activos Con garantías comparativamente bajas.


Binary Options Unveiled


by ETF Base on July 5, 2017


For those interested in getting involved with day trading, the options out there can seem endless and overwhelming. Many first-time financial betters find success with binary options. an option where the outcome is all or nothing. In others words, the only possible outcomes are a) you earn money or b) you lose your defined stake. How Binary Options Work A “binary option” is the term used for an option where the trader can select a “long” position or a “short” position on the future value of a selected asset (which includes stocks, commodities, etc.). The trader simply needs to forecast whether the future price of their chosen asset will be higher or lower in a specific frame of time. Generally, binary options have a small time frame, with the majority of them ranging from one minute to thirty minutes, though they can go up to a week (whereas standard investments are normally held for months, or even years, before a return is seen). If their prediction is correct, the trader will be paid the accorded value; if they are incorrect, the trader loses the stake. Binary options are sometimes referred to as “digital options”. Advantages of Binary Options There are many advantages to binary options. Many first-time traders are drawn to their accessibility and their small time frames. The fact that you can trade using minimal amounts of money is also quite appealing, as it means that you can invest as little or as much as you can afford. With binary options trading, you can also calculate that amount that you are at risk of losing, therefore preparing you for a potential loss, and preventing you from losing more that you are able to afford. The simplicity of binary options is another major selling point; brokers traditionally make binary options as simply as possible so that the process can move quickly, meaning that there are only a few steps to take in order to get started. Furthermore, there is a wide range of internationally traded assets available in binary options, and brokers can offer different types of commodities, stocks, indices, and currencies, giving traders an extensive selection. Tips for Succeeding in Binary Options Trading No matter what form of financial betting you engage in, be sure to do your research. Understand the current trends, and stay up to date with the financial news. Online binary option trading is very popular, and there are many websites on the market, so choose wisely. Beginners should select a platform that provides a free membership and that is web-based; there should be no requirement to download any software. In addition, the chosen platform should have a clear policy on security, as theft identity is an issue in online binary options trading. Pick a trading platform that offers substantial returns. The industry average on investment returns is 61% to 75%. It is important to pick the right time frame in binary options trading; this can be a struggle, since your goal is to make the most money possible while tying up your money for the least amount of time necessary. Shorter times (such as 60 seconds) mean that your money is tied up for only one minute, allowing you to make multiple trades in a day, but it is also more exposed to market fluctuations. Longer time frames require more fundamental analysis, and a close assessment of the long term forecast.


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After you have finished the account opening process with Hirose UK, you will receive an email with your login details (ID and Password). Once you have received this email you will be able to login into your account and start trading.


The Welcome Bonus will be credited to your account within 1-2 business days.


We will send your REFERRAL LINK to your email address. With this link you can refer your friends to Hirose UK and get an aditional Bonus.


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*Please note that it takes about 24 hours to credit your Welcome Bonus to your account.


How to login into your LION BINARY OPTIONS Account?


There are different ways to login into your Binary Options Account:


1. Click on the LIVE Trading button placed on left side of the LION Binary Options Account site (see the image below)


After that, you will be redirected to the LION Binary Options platform. On the top of the platform window is located the ID and Password boxes. Please, enter your login details and click in the LOGIN button.


After clicking on the LOGIN button, you will be inside of your account menu and your balance will be shown in the top of the window. Now you can start to trade with LION Binary Options.


2. Click on "My Hirose Login" box located on the top of our website


After entering your ID and Password, your Hirose private account page will appear. In this window you have to click on "Sign - in" in the Binary Options menu (located on the down left of the window), and finally click on the box called "Open Binary Option Trading Panel". When you click there, the BO trading panel will open and then you can start to trade BO.


Here are some tips now just starting


Now that finally begins to operate binary options you should know that people who tend to have more profits are those who use or develop a STRATEGY .


If you make click in the following link you will see some strategies that Hirose UK offer to you as an example. By using those strategies you will be able to improve your decisions while operating:


However, having a good strategy is not the only important aspect when trading binary options. Another thing to keep in mind is how to develop that strategy. And at this point, something vital is the available capital.


Many people believe that to trade better Binary Options it is only necessary a good strategy, however, that is NOT correct . Another very important aspect is the available capital . If you have developed a very good strategy but you do not have enough money, it will become very difficult to make profits. Some strategies need to be invested enough capital to make it properly.


We're not talking about investing large amounts (remember that with HiroseUK you can trade from $1), we talk about invest enough money .


If you have a larger amount of funds in certain favorable situations can achieve greater benefits that otherwise cannot.


And if you have obtained negative results you will be able to you recover faster.


Best Binary Options TRADERS are those that invest enough money to have a good strategy .


Therefore, and especially considering our customers unfamiliar with Binary Options Hirose UK offers to you a number of Bonus that will allow you to receive absolutely free money so that you can complement your trading and develop better your strategies .


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With regard to Binary Options Trading, Hirose Financial UK Ltd. is licensed and regulated by the Gambling Commission (http://www. gamblingcommission. gov. uk/), reference number 35485. You can find our current licensed status here. Hirose UK supports responsible trading .


RISK WARNING. For Trading in Binary Options carries a high level of risk and may not be suitable for all investors. You may sustain a loss of some or all of your investment. Therefore, you should not invest money that you cannot afford to lose. For more information, please click Terms and Conditions which gives you a fuller explanation of some of the risks involved.


The information on this site is not directed at residents of the United States or any particular country outside the UK and is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. Hirose UK is unable to accept applications for live accounts from residents of Japan.


Hirose Financial UK Ltd. 27 Austin Friars, London EC2N 2QP Tel. +44 (0)20 7614 3580 FAX. +44 (0)800 860 0924 Email. info@hiroseuk. com


4 Helpful Tips To Those Just Starting Out With Binary Options


The world of binary trading can be an exciting venture, that is if you know what you are doing. You have to know what you are doing, so you can make the most of your experience. Lots of times, people walk away too early. ¿Por qué? They make some really bad choices early. It kind of sours them on the whole experience. Instead of learning from it and moving on, some people decide to walk away completely.


Are you going to be one of these people?


This is slightly rhetorical, because I know some of you want to stay. In order for you to get the most out of your experience and your money, here are few ground rules to follow:


If you are just starting out, it’s best to choose a good broker to work with. Pick someone who knows what he/she is doing. This is one of the reasons why some walk away. Some choose an inexperienced binary trade person. This tends to ruin it for people. There are lots of websites that can help you pick and choose. Do not make the mistake of going with someone who is just starting out. You will be the “blind leading the blind.” Pick someone who has been in the game for a long time.


Knowledge is power. Everything changes. The world of binary options trading is no different. Read up on the subject as much as you can. Get yourself acquainted with as many books as you can. Don’t like to read books? Go online and invest your time in the online videos and tutorials. The more you know in the beginning, the better off you will be. Do not let being a “newbie” hold you back. Never use this as an excuse or a crutch.


Stick with the plan. Binary options trading is considered a long-term thing, not something short-term. It’s easy to get pulled in by the “fads.” Do not get sucked in. Fads come and go, but the long-term is what builds your investments up. Stick with your goals.


Invest rationally. Many new investors get “over eager.” These people put more money down than they should. A person gets one big win. That big win is enough to make anybody lose their heads. This big win could also be a game changer. There is a time and place for logic, and this is one of those times and places. If you want to increase your chances of winning your trades, I’d suggest looking into binary trading signals to get an advantage.


ENDING NOTE


Binary options trading can work with you, you just need to make sound choices. Do not invest your emotions. This is one experience where your emotions need to be checked at the door. All you need is knowledge, courage, a good broker on your side. You also need good logical thinking. As long as you think long-term and not the other way, you should go far. Think of it as a journey through life. Just because you have one bad experience, doesn’t mean you call it a day. Learn to weather the highs and lows. Learn to ride it out. If you do all of this, you will go far.


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OptionsXO - Theft of funds


Freddie Rostand 25/01/2017 at 21:46


Haing deposited £1500 then requested a refund due to suspicions about OptionsXO, these have ben confirmed. OptionsXO refuse to refund any money. They also refuse to speak to me. They hang up the phone every time I call. There is no complaint facility on the website. There is no regulatory statement. all MiFID conditions breached.


Other complaints


9 complaints reported


2 complaints resolved


29587 USD average amount


Getting Rid of Excess Money: Binary Options


My son tells me that he’s been inundated with ads for phone applications to do binary option trading. His gut tells him that this is “incredibly dangerous” and looks to him like “making a game out of day trading that you can play on your phone.” He’s got a smart gut.


Don’t be intimidated by the phrase “binary option trading”—it just means gambling on stocks. Want to bet that Google stock will go up in the next hour? You can do that with binary options. It doesn’t matter how much the stock goes up. You either lose your bet, or you get it back along with some pre-set amount of winnings. It’s very similar to gambling on sports.


I poked around a few binary options web sites and they feel surprisingly similar to gambling and poker web sites. They use words like “investing” and “trading” but they’re really promoting gambling.


What’s the purpose of binary options, you may ask? Let’s start with regular stock options. One purpose of regular stock options is to control investment risk. Sophisticated investors who understand stock options well can use them to customize the overall risk levels of their portfolios. Less sophisticated investors (almost everyone) who use stock options are just gambling in ways they don’t really understand. Binary options take away the potential risk-management properties of regular options and leave just the gambling part.


Just in case you’re thinking that you might like to try binary options because you know more than your neighbours about stocks, don’t bother. You’ll never be betting against your neighbours. You’ll be betting against sophisticated sharks who will pick your bones clean.


So, if you have excess money that you need to get rid of, you can give binary options a go. But, before you do, please send me half the money—the binary options people can have the other half. I’m not greedy.


Home > FINRA > U. S Watchdog Warns of Binary Options Related Scams Home > US watchdog > U. S Watchdog Warns of Binary Options Related Scams


U. S Watchdog Warns of Binary Options Related Scams


WASHINGTON — The Financial Industry Regulatory Authority (FINRA) today issued a new Investor Alert, Binary Options: These All-Or-Nothing Options Are All-Too-Often Fraudulent . FINRA published the alert to warn investors that trading binary options can be extremely risky. Unlike other types of options contracts, binary options are all-or-nothing propositions. When a binary option expires, it either makes a pre-specified amount of money, or nothing at all, in which case the investor loses the entire investment. Trading binary options is made even riskier by fraudulent schemes, many of which originate outside the United States.


“Calls to the FINRA Securities Helpline for Seniors – HELPS TM suggest that scams involving binary options and their trading platforms are alive and well,” said Gerri Walsh, FINRA’s Senior Vice President for Investor Education. “Callers describe situations in which purported binary options trading firms don’t deposit investor funds into the investor’s account, deny requests to return funds, or require a fee be paid in order to receive a return of their investment assets. In at least one situation, a fraudster posing as a regulator accused the investor of engaging in illegal binary options trading and demanded payment of a fictitious fine.”


Senior Helpline calls suggest investors should be particularly wary of non-U. S. companies that offer binary options trading. These include trading applications with names that often imply an easy path to riches, and demo accounts that allow users to try their hand at binary options trading without risking personal assets. Such accounts can serve as bait to lure investors into sending money to fund a “real” trading account, or open the door to identity theft, by requesting an array of personal information.


Binary Options recommends investors take the following precautions before investing in binary options:


Use FINRA’s BrokerCheck® and the National Futures Association’s Background Affiliation Status Information Center (BASIC) to check the registration status and background of any firm or financial professional that you are considering.


Check the CFTC’s website to see if the binary options trading platform is a designated contract market—currently there are only three such markets offering binary options.


Use the SEC’s EDGAR system to check to see if the binary options trading platform has registered the offer and sale of the product with the SEC.


Check the SEC’s website regarding exchanges to determine if the binary options trading platform is registered as an exchange.


FINRA’s alert cautions that unless you can verify the registration status of the trading platform, products, firms and financial professionals, do not trade with them, do not send any money, and do not provide your personal information.


FINRA, the Financial Industry Regulatory Authority, is the largest independent regulator for all securities firms doing business in the United States. FINRA is dedicated to investor protection and market integrity through effective and efficient regulation and complementary compliance and technology-based services. FINRA touches virtually every aspect of the securities business – from registering and educating all industry participants to examining securities firms, writing rules, enforcing those rules and the federal securities laws, and informing and educating the investing public. In addition, FINRA provides surveillance and other regulatory services for equities and options markets, as well as trade reporting and other industry utilities. FINRA also administers the largest dispute resolution forum for investors and firms. For more information, please visit www. finra. org .


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Read in your language


Traders can fall into the hands of a fraudulent company sometimes, company pretending to offer the same services and level of customer care that the popular brokers offer their users. Depositing your money is easy with any company you signup with, yet the withdrawal process might quickly become a nightmare if you signup with the wrong broker. I am committed to keep the Binary Option scam up to date and I encourage users to drop there comment or email me chine4art2017@gmail. com if you have any major issues with your current broker.


One of the first signs to know a binary option that is scam is the lack of customer service and if the customer service team is unavailable during business/trading hours they probably won ’ t be around when you ask for your money back. Another way to identify a Binary Options Scam is by conducting a Google Search to find any negative testimonials and reviews on the company and it ’ s recommended that you background the company before you signup. It won ’ t help much to research the company after you already funded your account.


I signed up with a bonus and now I can ’ t withdraw my money, what can I do?


In many cases, traders without any online trading experience fall into the New Account Bonus Offers that restrict the trading account. This restriction is referred to as a “ Loyalty Offer ” which sounds better, yet in reality a bonus restricts your account to a trading volume requirement that is usually much higher than the deposit amount, locking your funds with the broker until you satisfy the condition. Does it mean you got scammed? If the representative explained the bonus restrictions and you still decided to take the bonus, it ’ s not a scam. If the broker sets you up with a bonus without asking you, it ’ s a scam. Over all I don ’ t recommend signing up with any special incentives and bonuses.


I want to request a withdrawal and they are asking me for a picture ID and my credit card information, Should I give them my personal information?


Some traders may confuse the standard identification procedure implemented by all brokers for the safety of the users for an identity theft scam of some kind, yet this is a necessary procedure to ensure that the customer requesting the withdrawal is the same account ’ s depositor. If a binary options broker asks you for your Social Security Number of any other sensitive information besides your ID. Utility bill and Credit Card Info this might be a binary options scam and you should never give out this information!


fraud cases and brokers involved with lawsuits. Many fake sites are attempting to destroy the good reputation of well established binary options brokers. Before signing up make sure to review the Blacklist carefully. If you are currently having issues with the mentioned brokers you can always file a credit card dispute as a last solution. if you would like to report a scam broker not listed on this page please feel free to contact us.


DO NOT SIGN UP WITH THE FOLLOWING BROKERS!!


Amber Options, Sycamore Options. EZ Binary, Safe24Options. TraderXP, Banc De Swiss, Vault Options, Royal De Bank, One Two Trade. Golden Binary, VIPBinary, Option Trader, Global Trader 365. NY Stock Options, Trader’s Room.


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Binary Options tips on how to choose the right binary options platform


Binary options . fixed return options or digital options trading is booming worldwide. It’s no surprise, given the simplicity and stability that this form of trading provides. Because the outcome is always black or white or “all or nothing” with binary options. the trader is protected at all times against indefinite amounts of losses, which are limited to the contract value of the commodity being traded in.


As a result of the new popularity of binary options, many new online trading platforms have recently emerged. Below is a list of features that we recommend you look out for when choosing the binary options platform that is right for you.


1.Choose a binary options platform that is free and requires no download.


We all prefer not to download any extra software to our PCs. The good news is there are binary options platforms that are 100% web based, so you don’t have to download anything to your computer. Most of these digital options platforms allow you to open a binary options account for free, so be wary of any website that asks you to pay a membership fee.


2.Trade binary options only on platforms that offer at least 65 – 70% returns.


One of the main benefits of binary options is that payout is determined in advance, when the buyer enters a contract to purchase an underlying asset. A binary options contract will pay you a fixed return, regardless if the underlying asset’s price movement was huge or minute. As long as binary options expire in the money by $0.001, you come out winning. With that said, it is best to choose a platform that offers 65-70% returns minimum. Anything lower than that just isn’t worth it.


3.Choose a platform that offers payback for binary options that expire out-of-money.


There aren’t many of these around but we can guarantee you that this is an extremely beneficial feature and is worthwhile scouting out. There are some binary options platforms that will pay a return percentage on options that expire out-of-money. For example, anyoption. com pays out a 15% return on out-of-money binary options results. It’s good to know that even if you lost out on the full return, you still get something back.


4.Select a platform that supports a multitude of currencies.


As online traders, we tend to feel more at ease when we can trade binary options in our own currency. Plus, a binary options platform that supports a variety of currencies shows stability, sophistication and international presence. Try to stick to digital options platforms that support at least the US dollar, Euro and British Pound Sterling. Any other additional currencies are a bonus.


5.Use a platform that employs good security measures


In order for any binary options platform to be safe, the most necessary element is encryption. Make sure you choose a fixed returns options platform equipped with 128 bit SSL encryption from a market leading security provider. It’s your only protection against online identity theft as you trade binary options. Also, read their security section and confirm that the platform prohibits unauthorized access to your account, backs up all your information and binary options transactions daily and commits to 24-hour maintenance should anything malfunction.


6.Make sure you can withdraw your money at any time.


Check your selected platforms’ policy on withdrawals and make sure that you can deposit and withdraw your money at all times. Stay away from platforms that instill a withdrawal waiting period or conditions on binary options earnings accumulated.


7.Confirm the platform has good customer support


You might be an expert binary options trader or just a beginner. The truth is, it really doesn’t matter. Good Customer Support is a must for any online digital options trader. Confirm that the trading platform you decide to use has support by phone and email. Many binary options sites have local phone numbers for ever country they service.


&dupdo; 2009 – 2010, admin. Todos los derechos reservados.


This entry was posted by admin on December 23, 2009 at 3:33 am, and is filed under binary options. Follow any responses to this post through RSS 2.0. You can leave a response or trackback from your own site.


Recovering from Identity Theft


What is most important when someone steals my identity?


It is very important to act fast:


Call one of the three credit reporting companies. Ask for an initial fraud alert. The initial fraud alert lasts for 90 days.


Ask all three credit reporting companies for a credit report. If your identity was stolen, the company must give you a free report.


Create an Identity Theft Report. The Identity Theft Report helps prove that you are a victim of a crime. The report helps you fix your credit report and settle your accounts.


Why is it important to do these three things so fast?


If you wait, the identity thief has more time to cheat you. Here is how these three steps help you:


An initial fraud alert helps stop anyone who tries to open a credit account using your information.


You need copies of your three credit reports. Your credit reports let you see if the thief opened other accounts in your name. You also can see if the thief bought things with your credit cards.


An Identity Theft Report helps you correct your credit report and your accounts. The report also can stop people from trying to make you pay for money the identity thief spent .


How do I create my Identity Theft Report?


Here is how to create your Identity Theft Report:


Complain to the FTC. When you finish, print a copy of the complaint. It will be called an Identity Theft Affidavit. An affidavit means you swear that everything in the report is true.


File a police report about the identity theft. Bring your Identity Theft Affidavit with you to the police. It will help them write the police report. Get a copy of the police report or the number of the police report.


Attach your FTC Identity Theft Affidavit to your police report. Now you have an Identity Theft Report.


What do I do next?


There is a lot to think about and do. Recovering from identity theft can take time. It helps to write things down.


Set up a file system to store:


the copies of your documents about the identity theft


letters that you send or get


calls that you make or get


What kinds of files should I keep?


Keep records of the letters you send or get and the conversations you have. You might need the records to prove that you already fixed something.


Save copies of your papers, receipts, and account statements


Keep a list of the companies you called and when you called them. Write the name of the person you spoke with, what you asked them to do, and what they agreed to do


Send a letter to the people you talked to. In your letter, confirm what they will do


When you mail things, ask for a return receipt. This means you will get a receipt in the mail. This is proof that you sent the letter and the company got it.


What happens when my initial fraud alert ends?


When you know your identity was stolen, you can put an extended fraud alert on your credit report. An extended fraud alert is good for seven years.


To ask for an extended fraud alert, contact each credit reporting company. You might have to give them a copy of your Identity Theft Report. Never send the original document. Send a copy.


How do I fix the mistakes in my credit report?


Write a letter to the three credit reporting companies. Get the mailing address when you call the fraud departments of each credit reporting company.


How do I fix the mistakes on my bills?


To correct your existing accounts:


Send a letter to each business that reported a charge you did not make


Use the address they tell you to use for “disputes”


Change the passwords and PINs on your accounts


How do I close accounts that I did not open?


Send a letter to each business that opened an account


Include a copy of your Identity Theft Report or the forms that they use


What should I say in these letters?


Your letter should:


explain that you are an identity theft victim


list the mistakes


tell why you disagree with the charges


include any proof that you did not make the charges or open the account


ask them to remove the fraudulent information or close the account


Ask the company to send you a letter that says:


the charge is removed from the account or the account is closed


the charge is removed from your credit report


you are not responsible for the charge


Lee mas


If someone stole your identity, act fast. Fast action can help reduce the damage identity theft can cause.


What should I do if a thief uses my information?


Step 1 . Place an initial fraud alert on your three credit reports


Call any one of the three credit reporting companies. That company must tell the other two.


Fraud departments of the credit reporting companies:


Equifax 1-800-525-6285


Experian 1-888-397-3742


Transunion 1-800-680-7289


Step 2 . Order your credit reports


Call all three credit reporting companies and order your credit report from each. Identity theft victims can get the reports for free.


You might know that some of your accounts are affected by identity theft. Contact those accounts now. Talk to someone in the fraud department of the company. Then write the company a letter.


Step 3 . Create an Identity Theft Report


Submit a complaint to the FTC. You can call or do it online.


By phone: Call 1-877-438-4338 (1-866-653-4261 TTY)


talk to a counselor. The counselor will ask questions to gather information about your complaint


ask the counselor to email you a link so you can print your complaint. Your completed complaint is called the “Identity Theft Affidavit”


go online to save or print your Identity Theft Affidavit.


Type your information into the online form, following the prompts on every screen.


Review all the information you typed


Click the button to submit your complaint. Your submitted complaint is called an “Identity Theft Affidavit”


Save the complaint reference number


Click the link to save the Identity Theft Affidavit to your computer


Print your Identity Theft Affidavit. Keep it in a safe place


File a police report. Take your FTC Identity Theft Affidavit with you


Get a copy of the police report or the number of the police report


Attach your FTC Identity Theft Affidavit to your police report. That is your Identity Theft Report. Keep it in a safe place


Lee mas


FTCAudioPlayer


British Option Review


In this review, I am going to take a close look at a rather new binary options broker called British Option . British Option is owned and operated by Pacific Sunrise UK Ltd who has their headquarters in London.


We will look at several items in this review. We will tell you about British Option, such as their history. We will examine their terms and conditions including withdrawals and bonuses. I will tell you if they offer a demo account and mobile trading, and lastly, I will offer my opinion on whether British Option is a scam .


We are not affiliated with British Option in any way. Our goal is to provide you with a reliable review so you can make the wisest decision on a binary options broker that you can attain signals and trade through.


Popular Spot Option platform


Long list of assets to trade on


Deposit & Métodos de retirada


Información del corredor


Fundada en: 2017


Company:Pacific Sunrise UK Ltd


Incorporated:


License:


Platform:Spot Option


Minimum Deposit:$250


Minimum Withdrawal:


Devoluciones: 85%


Minimum Trade:


Demo Credits:


About British Option


British Option is a binary options broker that utilizes the highly popular Spot Option platform . They are owned and operated by Pacific Sunrise UK Ltd who is based in London. The primary headquarters of Pacific Sunrise Ltd is in St Vincent and the Grenadines.


British Option offers their services in several languages including Arabic, Spanish and English. Traders have many types of formats they can trade in including:


British Option History


British Option has not been in service long. The website went live in late 2017. As I looked closer, I thought that British Option looked quite similar to another binary options broker. All of a sudden, it hit me. Pacific Sunrise Ltd also owns AA Option, and the British Option website is almost an exact duplicate of AA Option.


Is this good or bad? Personally, I see nothing wrong with it. It is no different than having the same stores at different locations.


British Option Terms And Conditions


As a person who is searching for a binary options broker, the wisest thing you should always do first is to study that broker's terms and conditions. The terms can tell a lot about a broker, and what your responsibilities are.


These are some of the terms and conditions I found in the British Option website:


It is your responsibility to know the laws and restrictions of your country before using British Option


Financial information on the website is not to be deemed financial advice


British Option has the right to cancel or refuse service for any legitimate reason


British Option follows all Know Your Client conditions, and expects your compliance


These are just a slight bit of the terms and conditions. Be sure and read them completely before creating an account.


British Option Withdrawal & Bonus Terms and Conditions


As I mentioned in the main terms and conditions, British Option follows the Know Your Client process. This means that before withdrawing funds, the trader must provide certain documents. These will consist of a valid photo ID, copy of credit cards with all but the last 4 numbers covered, a copy of a recent utility bill showing your name and address and a signed purchase history of online transactions.


While these may seem like a lot of items, it is a method to prevent money laundering and ID theft along with other crimes against humans and businesses.


If a trader accepts a bonus through British Option, the requirement is that you must make trades in the amount of 30 times the bonus amount before you can withdraw. So, if you receive a $100 bonus, you will have to make trades amounting to $3,000 before you can withdraw. It is wise to consider that closely before accepting any bonuses.


British Option Demo Account


I do not see where British Option offers any type of demo account. They do offer some binary options educational material so you can understand binary options trading better.


British Option On Mobile


British Option does offer mobile trading. You can attain the mobile application from the Apple App Store or the Google Playstore. From what I understand, their mobile application is very efficient.


British Option Scam Watch


British Option does have a professionally designed website, but they are not licensed or regulated. Personally, I do not consider British Option to be on the level of being a scam. but they are quite new and untested. I cannot find reviews or comments of either negative or positive aspects except from affiliates.


As I said earlier, British Option is almost an exact replica of AA Option and owned by the same company. If people have had troubles with AA Option, the same things will surely happen with British Option. On our review here about AA Option, there have been several complaints. It seems that AA Option was owned by a different company, or that company changed its name to Pacific Sunrise. Either way, they have a bad reputation and until they start doing business properly, I recommend staying clear of British Option.


If you have used this broker . please share your experience.


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Tips for Taxpayers, Victims about Identity Theft and Tax Returns


Podcasts ID Theft: Protect Yourself from Identity Theft English | Spanish ID Theft: Are You a Victim of Identity Theft? Español | Spanish


FS-2017-3, January 2017


The Internal Revenue Service is taking additional steps during the 2017 tax season to protect taxpayers and help victims of identity theft and refund fraud.


Stopping refund fraud related to identity theft is a top priority for the tax agency. The IRS is focused on preventing, detecting and resolving identity theft cases as soon as possible. The IRS has more than 3,000 employees working on identity theft cases – more than twice the level of a year ago. We have trained more than 35,000 employees who work with taxpayers to recognize and provide assistance when identity theft occurs.


Taxpayers can encounter identity theft involving their tax returns in several ways. One instance is where identity thieves try filing fraudulent refund claims using another person’s identifying information, which has been stolen. Innocent taxpayers are victimized because their refunds are delayed.


Here are some tips to protect you from becoming a victim, and steps to take if you think someone may have filed a tax return using your name:


Tips to protect you from becoming a victim of identity theft


Don’t carry your Social Security card or any documents with your SSN or Individual Taxpayer Identification Number (ITIN) on it.


Don’t give a business your SSN or ITIN just because they ask. Give it only when required.


Protect your financial information.


Check your credit report every 12 months.


Secure personal information in your home.


Protect your personal computers by using firewalls, anti-spam/virus software, update security patches and change passwords for Internet accounts.


Don’t give personal information over the phone, through the mail or on the Internet unless you have initiated the contact or you are sure you know who you are dealing with.


If your tax records are not currently affected by identity theft, but you believe you may be at risk due to a lost or stolen purse or wallet, questionable credit card activity or credit report, contact the IRS Identity Protection Specialized Unit at 800-908-4490 (Mon. - Fri. 7 a. m. - 7 p. m. local time; Alaska & Hawaii follow Pacific Time).


If you believe you’re a victim of identity theft


Be alert to possible identity theft if you receive a notice from the IRS or learn from your tax professional that:


More than one tax return for you was filed;


You have a balance due, refund offset or have had collection actions taken against you for a year you did not file a tax return;


IRS records indicate you received more wages than you actually earned or


Your state or federal benefits were reduced or cancelled because the agency received information reporting an income change.


If you receive a notice from IRS and you suspect your identity has been used fraudulently, respond immediately by calling the number on the notice.


If you did not receive a notice but believe you’ve been the victim of identity theft, contact the IRS Identity Protection Specialized Unit at 800-908-4490 right away so we can take steps to secure your tax account and match your SSN or ITIN.


Also, fill out the IRS Identity Theft Affidavit, Form 14039. Please write legibly and follow the directions on the back of the form that relate to your specific circumstances.


In addition, we recommend you take additional steps with agencies outside the IRS:


Report incidents of identity theft to the Federal Trade Commission at www. consumer. ftc. gov or the FTC Identity Theft hotline at 877-438-4338 or TTY 866-653-4261.


File a report with the local police.


Contact the fraud departments of the three major credit bureaus:


Equifax – www. equifax. com, 800-525-6285


Experian – www. experian. com, 888-397-3742


TransUnion – www. transunion. com, 800-680-7289


Close any accounts that have been tampered with or opened fraudulently.


Help if you have reported an identity theft case to the IRS and are waiting for your federal tax refund


The IRS is working to speed up and further streamline identity theft case resolution to help innocent taxpayers.


The IRS more than doubled the level of employees dedicated to working identity theft cases between 2011 and 2012. As the IRS enters the 2017 filing season, we now have more than 3,000 employees working identity theft issues. Despite these efforts, the IRS continues to see a growing number of identity theft cases.


These are extremely complex cases to resolve, frequently touching on multiple issues and multiple tax years. Cases of resolving identity can be complicated by the thieves themselves calling in. Due to the complexity of the situation, this is a time-consuming process. Taxpayers are likely to see their refunds delayed for an extended period of time while we take the necessary actions to resolve the matter. A typical case can take about 180 days to resolve, and the IRS is working to reduce that time period.


While the identity theft cases are being worked, the IRS also reminds victims that they need to continue to file their tax returns during this period.


For victims of identity theft who have previously been in contact with the IRS and have not achieved a resolution to their case, they can contact the IRS Identity Protection Specialized Unit, toll-free, at 800-908-4490. If victims can’t get their issue resolved and are experiencing financial difficulties, contact the Taxpayer Advocate Service toll-free at 877-777-4778.


It is a top priority for the IRS to help victims and reduce the time it takes to resolve their cases. In addition, the IRS continues to aggressively expand its efforts to protect and prevent refund fraud involving identity theft before it occurs as well as work with federal, state and local officials to pursue the perpetrators of this fraud.


For more information, see the special identity theft section on IRS. gov and IRS Fact Sheet 2017-2, IRS Combats Identity Theft and Refund Fraud on Many Fronts.


Page Last Reviewed or Updated: 18-Jun-2017


The Best Identity Theft Protection Services 2017


#1 IdentityGuard. com


We reviewed over a dozen identity protection companies and chose IdentityGuard as our top pick. Identity Guard offers comprehensive credit monitoring and id theft protection, along with standard social security number and credit report monitoring. They give you proactive tools to help protect against identity theft before it happens. With Identity Guard ® Total Protection ® you receive ZoneAlarm anti-virus protection, PrivacyProtect keystroke encryption plus ID Vault password protection. These tools have been developed to help protect your sensitive information from id thieves. Features like this put Identity Guard a step above their competition. If specific activity is detected on your Equifax ®. Experian ®. or Transunion ® credit file, Identity Guard will send a prompt alert via email, text or phone, plus they have a mobile app so you can access your account while on the go. There are 3 plan levels & price points from which you can choose. The best value being the Total Protection® plan. If you want a complete protection package at an affordable monthly price, we recommend you try IdentityGuard for yourself.


Best Service Features


Daily 3 Bureau Credit Monitoring & Threat Analysis + Fast Alerts


Bank, Credit Account, & SSN Fraud Monitoring


Free Mobile Application for iPhone & Android


ZoneAlarm Anti-Virus & Privacy Protect Keystroke Encryption Software


1 Million Dollars Identity Theft Insurance


Plans & precio


Identity Guard has affordable identity protection plans for nearly every budget. When you sign up today, you pay nothing! You get 30 days of FREE Total Protection . And you will save 20% off the monthly subscription price . if you choose to keep the service after the trial. No risk. No obligation. Try it for yourself today. Use the link below to sign up in less than a minute.


#2 LifeLock. com


LifeLock comes in a close second and is an extremely popular option for identity protection. With all LifeLock plans you receive 3 bureau credit and social security number monitoring, which are scanned daily for threats and fraudulent activity. They also monitor black market websites used by identity thieves to buy & sell your personal information. If your data appears on any of these sites, you receive an immediate alert. By working with the credit reporting agencies, LifeLock also helps to eliminate pre-approved credit card offers, which are a perfect target for identity thieves. One of the features we like best is their additional child I. D. theft protection feature, LifeLock Jr. Children have become a popular target for ID theft. LifeLock Jr. monitors your child’s identity for the same fraudulent activity that your LifeLock Ultimate plan provides. Add in the Lost Wallet Protection and up to 1 Million in ID Theft insurance and LifeLock is an excellent option for protection and credit monitoring.


Best Service Features


3 Bureau ID Theft Monitoring


Bank, Credit Account, & SSN Fraud Monitoring


Black Market Website Monitoring


LifeLock Jr. Child ID Protection & Monitoring


1 Million Dollars Identity Theft Insurance⊥


Plans & precio


LifeLock protection plans start at $8.95/month to $26.99/month for the Ultimate Plus plan. You can try LifeLock free for 30 days and receive 10% off your membership purchase.


#3 IdentityForce. com


IdentityForce takes a 3 tiered approach to identity protection. Monitor, Alert & Controlar. All of your important account sources are monitored daily with IdentityForce’s full spectrum monitoring technology. This allows them to be proactive in the detection of the illegal selling of your credit, personal & financial information. If they detect that your personal information is at risk, you will receive an instant notification from their early warning system. Alerts can be sent to your smart phone, computer or tablet. By having fast alert times, you can quickly react to the threat before it becomes a larger problem. IdentityForce believes in taking control of your credit. By knowing where and when your information is being used, you can protect sensitive information through technology. Keystroke encryption protection software, included with IdentityForce theft protection plans, can shield your pin numbers, credit card numbers and banking information from prying eyes. Combine all of this with 1 million dollars in theft insurance and 24/7 credit restoration services in the event your identity is stolen and you have an quality theft protection service you can trust.


Best Service Features


Full Spectrum Daily Account Monitoring Technology


ProActive Threat & ID Risk Alerting


Free KeyStroke Computer Encryption Software


27/7 Credit Restoration Assistance


1 Million Dollars Identity Theft Insurance


Plans & precio


Identity Force credit & identity monitoring plans start at $14.95/month after the free 14 day trial.


The UltraSecure plan runs $19.95/month and includes several additional benefits above the standard plan.


#4 Trans Union


The TransUnion identity protection plans also received a 4 star rating and ranked #4 on our list. The best part about using the TransUnion service is that you know you’re getting a quality id protection plan from a trusted company. TransUnion is one of the 3 major credit reporting bureaus and have been serving customers since 1968.


Best Service Features


Daily ID Monitoring + Fraud & Data Breach Alerts


Unlimited updates to your TransUnion credit score


Email alerting of credit changes


Free debt analysis software


Up to $1,000,000 in Identity Theft Insurance


Plans & precio


TransUnion knows the credit business. They’re one of the 3 major credit bureaus. They offer a high level of customer service and their identity protection services are priced competitively. The monthly membership is $19.95/month after buy your credit report & score for $1.00.


#5 ProtectMyID. com


ProtectMyId. com is the identity theft protection portion of Experian. As another of the 3 major credit reporting bureaus, you’re getting a high level of id theft protection along with peace of mind knowing that you with a company that has been in the credit and protection business since 1996. They have an A+ BBB rating and high customer service reviews.


Best Service Features


Owned & Operated By Experian Credit Bureau


Credit, Debit & ATM Card Monitoring & Protection


Identity Theft Resolution Agent Assistance


Credit report change alerts


Over 60 Years Experience & 200 Million Customers


1 Million Dollars Identity Theft Insurance


Plans & precio


ProtectMyID is backed by Experian and is a solid credit monitoring service. Their comprehensive id protection plan costs $19.95/month after the $1.00 7 Day trial.


A Discussion About Identity Theft and What To Expect


We realize you’re here doing research on identity theft protection services & plans. but we want to take just a minute to discuss a bit more about identity theft. If you can just take a moment and read this, you will have a better understanding of real world identity theft and the unfortunate aftermath that is causes. Obviously you’re starting to take the protection of your identity seriously if you’re looking into signing up for a protection plan. This is a wise decision, because even though an identity theft protection plan ultimately won’t stop a determined identity thief, it will allow you to find out about the crimes quickly and take action to stop a bad situation from becoming a complete nightmare.


The Worst Part of Identity Theft Is Not Knowing It Has Happened


When we talk to clients who have been victims of identity theft, we always ask them the same question. How many days had the fraud been going on before you found out? The normal response is about a week or more. This is too long. By that point, a manageable problem is now completely out of control. The most damage is done within the first few days after your information is stolen. Identity thieves will attempt to open as many lines of credit as they possibly can before it is detected as fraud. Retail credit cards, bank credit cards, wireless phone plans, auto loans, home loans, fraudulent tax refunds. These are the main types of fraud you will encounter if you ever have your identity is stolen. The longer it takes for you to find out, the longer the criminals are out their trying to use your address, birth date & social security to secure lines of credit, purchase goods and generally ruin your good credit rating. This isn’t a hypothetical situation. IT’S 100% FACT. Ask anyone who’s had their identity stolen!


Identity Theft Causes An Instant Credit Score Drop


This happens because the criminals are submitting applications for credit cards & other lines of credit with your social security number. These credit inquiries are costing you several points each time and can add up quickly. By the time you find out and check your credit report, your score could have already dropped 60+ points. Plus, these inquiries stay on your report for 2 years. You can request that the creditor alert the credit bureau and have the inquiries removed, but this is a time consuming process. Almost all identity protection services will take care of this for you when you are signed up with a plan. It’s why you’re paying them in the first place.


Prepare For Hours Of Damage Control


If you’re lucky enough to figure out your identity has been stolen after just a day or two, you’ should still be prepared to spend hours calling each of the companies where the criminals applied for credit. In many cases they will have filled out multiple online credit applications in your name, which are usually set to ‘pending’ status with the creditor. In order to make sure these applications don’t get approved, you will need to contact the fraud department of these companies and explain that your identity has been stolen in order to have the applications removed. This is a tedious process that takes a lot of time to complete. Identity monitoring services will handle this for you. It can take years or months to repair your credit. Identity theft protection companies will work with the credit bureaus to remove any negative items that were caused by the fraud.


The Reality of Identity Theft


We’re not trying to scare you. But the fact is that identity theft IS scary. You feel violated and even helpless that someone is out there with your information, and there is little you can do about it. Unfortunately, most people rarely give identity theft a second thought. It’s one of those things in life that that most believe “won’t ever happen to them”. Did you know that this year alone, over 12 million Americans will have their identity stolen. 4 million of those victims will have their social security number stolen 1. which is the most damaging form of identity theft. Identity theft costs consumers and businesses nearly 20 billion dollars annually, as well as endless amounts of time spent trying to repair the damage done by these crimes. Unfortunately, reported cases of identity theft have been on the rise in the past 5 years.


There are a lot of ways to help safeguard your identity, but we strongly recommend consumers sign up for identity protection services. with one of the major companies. There are more than a dozen companies that provide these id theft and credit monitoring services, however not not all provide the same level of protection. We have put together a list of what we believe are the best identity theft protection services currently available. If you do one thing today to help prevent an identity theft disaster, we suggest signing up with one of the following companies.


Identity Theft & Credit Monitoring


Identity theft is one of the most egregious non-violent crimes that can be committed against a person. This occurs when someone decides to take your personal information without your given permission or knowledge. In reality, this crime is more than a minor inconvenience. It is an all-out assault on your finances and credit history and it can take a considerable of time to restore both if you’re not careful. These unscrupulous thieves can deflate your bank account, inflate charges on your credit cards, file tax returns in your name and even go as far as giving your name, address and other false information during their arrest. Sadly, even children are not safe from this despicable act, so it may be wise to every now and then check to see if your child has a credit report in their name. Having a the best protection plan in place is a must if you want to help prevent your identity from falling into the wrong hands. Fortunately, there are a several things you can do to when considering your which service to use. Educating yourself on the signs of a possible or attempted theft is vital these days. The Electronic Fund Transfer Act (EFTA) and The Fair Credit Billing Act (FCBA) provides protection if your ATM, credit or debit cards are lost or stolen. Aside from specific credit protection companies, many banks also offer these same types of services. Be mindful to never give out your Social Security number to strangers and/or organizations unless you are positively certain of their authenticity. If you do become a victim, following the proper steps to get your life back on track is of the utmost importance.


Ways People Can Protect Against Identity Theft


As far as identity theft is concerned, it takes place whe another person obtains someone else’s personal information, like your Social Security number or credit card data to commit fraud as well as other crimes. The authorities estimate that there are millions of people from different parts of the world who are becoming victims of identity theft every year.


In response to the concerns regarding identity theft, there are numerous financial institutions and companies that have introduced products and services that can help in monitoring your credit, reimburse you for the funds or wages you lost and protect your identity. There are some employers that also offer their identity theft insurance that can help in reducing the amount of money and time spent in resolving the crime so it is best that you check with the benefits specialist of your company about your eligibility.


But as an individual, there are many things that you can do to safeguard yourself from cases of identity theft. Some of these ways include the following:


Guard Your Online Information


Today, many people do most of their banking and shopping online. With all the passwords and account numbers that float around, it is easy that someone will nab your personal information and use it to go on a shopping spree without your knowledge.


Clear your passwords and logins. It is particularly important if you are using a public computer. Change your passwords and logins every month.


Pay your online purchases using your credit card that has better guarantees under the federal law as compared to online payment services or using your debit card.


Stay alert for phishing, a kind of trick wherein pop ups or spam mimic legitimate businesses and banks to obtain your personal information that they can use to gain access to your accounts. See to it that you are on a familiar website that has security controls before you enter your personal data.


Monitor Credit Card and Bank Statements


Have a regular checking of all your accounts so that you know if something goes awry. Purchases that you did not make must be obvious, such as the purchase of a branded high end bag that you never made yourself.


Mailing Address Verification


Verify your mailing address with financial institutions and the post office. The identity bandits can fill out forms on change of address so that the delinquent credit notices will stay off your paper billing radar.


Credit Report Monitoring


By law, you are entitled to a free credit report annually from any of the three primary bureaus. Request for one every quarter and change bureaus every time you do so. You can also order this report directly through every agency.


Shred the Sensitive Documents


You may also want to buy yourself a shredder that you can use for regularly shredding any outdated bank statement, bills, credit card applications or anything that contains your personal information before you toss it to recycling or the trash bin. Most of the time, junk bin usually contains some personal details.


Will it make sense if you pay a plan if you have taken all the necessary precautions? Well, it will depend on your personal spending habits as well as your overall level of care and caution. You might also choose to invest in a reliable identity theft protection service when you:


Conduct lots of online shopping or banking;


Lack the time to monitor your personal information on your own;


Sickened by the thought of investing money and time for recovery from identity theft.


Identity theft can be avoided if you will be vigilant enough as far as your finances and personal information as concerned. Once you have detected any sign of fraudulent activity, make sure that you notify the financial institution where this fraudulent activity has taken place first so that your account will be safeguarded right away. Depending on the particular situation, you will need to file a complaint with the concerned authority as well as the local police department. See to it that you also investigate the rest of your accounts. Being proactive instead of reactive is important to protect yourself from the fraudulent activities of people who are only after your money.


Total Ratings 4.5 out of 5 based on 2158 ratings.


1 Based on projections from a 2017 Identity Fraud Report from Javelin Strategy & Research. http://www. identitytheftassistance. org/pageview. php? cateid=47


* The scores you receive with Identity Guard® are provided for educational purposes to help you understand your credit. They are calculated using the information contained in your Equifax‚ Experian and TransUnion credit files. Lenders use many different credit scoring systems‚ and the scores you receive with Identity Guard are not the same scores used by lenders to evaluate your credit.


Credit scores are provided by CreditXpert based on data from the credit reporting bureaus.


**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. 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.


⊥ **Service Guarantee benefits for State of Washington members are provided under a Master Insurance Policy issued by United Specialty Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at LifeLock. com/legal.


Product reviews that are posted come from user submissions and some that our team writes. We only write reviews for products that we find useful however we cannot verify the claims from third-party submissions.


Some pages on this site have been created to generate revenue.


This site generates revenue through banner advertisements and affiliate links on product reviews.


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404 means the file is not found. If you have already uploaded the file then the name may be misspelled or it is in a different folder.


Other Possible Causes


You may get a 404 error for images because you have Hot Link Protection turned on and the domain is not on the list of authorized domains.


If you go to your temporary url (http://ip/


username/) and get this error, there maybe a problem with the rule set stored in an. htaccess file. You can try renaming that file to. htaccess-backup and refreshing the site to see if that resolves the issue.


It is also possible that you have inadvertently deleted your document root or the your account may need to be recreated. Either way, please contact HostGator immediately via phone or live chat so we can diagnose the problem.


Are you using WordPress? See the Section on 404 errors after clicking a link in WordPress.


Missing or Broken Files


When you get a 404 error be sure to check the URL that you are attempting to use in your browser. This tells the server what resource it should attempt to request.


In this example the file must be in public_html/example/Example/


Notice that the CaSe is important in this example. On platforms that enforce case-sensitivity e xample and E xample are not the same locations.


For addon domains, the file must be in public_html/addondomain. com/example/Example/ and the names are case-sensitive.


Broken Image


When you have a missing image on your site you may see a box on your page with with a red X where the image is missing. Right click on the X and choose Properties. The properties will tell you the path and file name that cannot be found.


This varies by browser, if you do not see a box on your page with a red X try right clicking on the page, then select View Page Info, and goto the Media Tab.


In this example the image file must be in public_html/images/


Notice that the CaSe is important in this example. On platforms that enforce case-sensitivity PNG and png are not the same locations.


When working with WordPress, 404 Page Not Found errors can often occur when a new theme has been activated or when the rewrite rules in the. htaccess file have been altered.


When you encounter a 404 error in WordPress, you have two options for correcting it.


Option 1: Correct the Permalinks


Log in to WordPress.


From the left-hand navigation menu in WordPress, click Settings > Permalinks (Note the current setting. If you are using a custom structure, copy or save the custom structure somewhere.)


Select Default .


Click Save Settings .


Change the settings back to the previous configuration (before you selected Default). Put the custom structure back if you had one.


Click Save Settings .


This will reset the permalinks and fix the issue in many cases. If this doesn't work, you may need to edit your. htaccess file directly.


Option 2: Modify the. htaccess File


Add the following snippet of code to the top of your. htaccess file:


# BEGIN WordPress <IfModule mod_rewrite. c> RewriteEngine On RewriteBase / RewriteRule ^index. php$ - [L] RewriteCond % !-f RewriteCond % !-d RewriteRule. /index. php [L] </IfModule> # End WordPress


If your blog is showing the wrong domain name in links, redirecting to another site, or is missing images and style, these are all usually related to the same problem: you have the wrong domain name configured in your WordPress blog.


The. htaccess file contains directives (instructions) that tell the server how to behave in certain scenarios and directly affect how your website functions.


Redirects and rewriting URLs are two very common directives found in a. htaccess file, and many scripts such as WordPress, Drupal, Joomla and Magento add directives to the. htaccess so those scripts can function.


It is possible that you may need to edit the. htaccess file at some point, for various reasons. This section covers how to edit the file in cPanel, but not what may need to be changed.(You may need to consult other articles and resources for that information.)


There are Many Ways to Edit a. htaccess File


Edit the file on your computer and upload it to the server via FTP


Use an FTP program's Edit Mode


Use SSH and a text editor


Use the File Manager in cPanel


The easiest way to edit a. htaccess file for most people is through the File Manager in cPanel.


How to Edit. htaccess files in cPanel's File Manager


Before you do anything, it is suggested that you backup your website so that you can revert back to a previous version if something goes wrong.


Open the File Manager


Log into cPanel.


In the Files section, click on the File Manager icon.


Check the box for Document Root for and select the domain name you wish to access from the drop-down menu.


Make sure Show Hidden Files (dotfiles) " is checked.


Click Go . The File Manager will open in a new tab or window.


Look for the. htaccess file in the list of files. You may need to scroll to find it.


To Edit the. htaccess File


Right click on the. htaccess file and click Code Edit from the menu. Alternatively, you can click on the icon for the. htaccess file and then click on the Code Editor icon at the top of the page.


A dialogue box may appear asking you about encoding. Just click Edit to continue. The editor will open in a new window.


Edit the file as needed.


Click Save Changes in the upper right hand corner when done. The changes will be saved.


Test your website to make sure your changes were successfully saved. If not, correct the error or revert back to the previous version until your site works again.


Once complete, you can click Close to close the File Manager window.


This site is hosted by HostGator!


Build your website today and get 20% ¡apagado! Coupon code: "OFFER404"


To Catch an ID Thief – Dateline Exposes Internet Black Market


While millions are still asking “What is Identity theft?”. the criminals are in high gear. This must see clip from a Dateline MSNBC documentary points out the urgency of the situation.


As you can see the criminals move fast and everything from Social Security numbers, to credit cards and bank account numbers and passwords are readily available for sale in illegal internet black markets. Add to this the 120 million personal and private records that have been exposed in the last three years by data breaches and you can see why identity theft protection is something you should strongly consider purchasing today.


If you are not convinced that you need to protect yourself from Americas fastest growing crime then read our truth revealing article titled Identity Protection – Do I Really Need It . This often shared article separates the facts from the media propaganda and gives you the knowledge you need to make an educated decision.


If you’re ready to protect yourself from identity theft now but are still undecided on which service to use then please read our professionally researched reviews and choose the id theft company that best meets your needs and budget.


Identity Theft Labs also wants to make sure you are aware of three other tools, two that help stop identity theft and one that can indicate if you have become a victim. Before presenting these we do want to caution you and make sure you’re aware that there is no such thing as full proof identity theft protection. This is why identity theft companies offer insurance and/or service guarantees. It certainly is smart to take precautions and steps to protect yourself but it is down right foolish to think that because you’re being careful, or took this or that step that, it won’t happen to you. There never has been and never will be full proof id protection. Some people are simply far more vulnerable targets and you don’t want to be one of them.


Having said that, the first tool to be aware of is a fraud alert. Essentially a fraud alert requires creditors to take reasonable measures to verify your identity before approving any credit requests. This is often done by calling you at the number you place in your credit file beside the alert. Fraud alerts have to be renewed every 90 days unless you are already a victim and can provide proof to the credit bureaus, at which time they will extend it to 7 years.


Credit protection services such as LifeLock, TrustedID and Debix are no longer legally allowed to place these on your behalf. We still recommend you place a fraud alert on your credit file even though you have signed up with an identity protection service if your situation meets the spirit of the Fact Act in that you have a “good faith suspicion” (in other words you believe) “that you have or are about to become a victim of fraud or related crime including identity theft”. Fraud Alerts are a good tool to add to your arsenal as they help stop new credit accounts from being opened in your name. They don’t protect your existing accounts. Fraud alerts are free.


The second tool is to order and review your credit reports. You can order them for free from Annual Credit Report the only government mandated site and the only truly free service. Some experts recommend you stagger the reports, one from each bureau every four months, so that your never go too long without being notified of an identity theft situation. We agree, with the following caveat. If you suspect identity theft we suggest ordering all of them immediately as all issues don’t always populate across all three reports or bureaus. Of course, it should also be noted that ordering them does nothing at all unless you vigilantly review the information and investigate any suspicious activity.


The third tool is called a credit freeze. There is a fee that varies depending on which state you live in and the fee is payable to each of the three main credit bureaus. For most states the fee is $10 per bureau so it will cost you $30 minimum (there may be some incidentals such as postage – don’t use regular mail). A credit freeze does exactly that, it freezes your credit accounts. Creditors have no access to it and you won’t either, so if you want to finance a car or get a new credit card you will have to unfreeze your account which incurs another fee and a bit more leg work. After you have acquired the car and no longer need access to your credit then you can freeze your credit once again. A credit freeze offers better identity theft protection than a fraud alert but is more time consuming and has a far greater inconvenience and cost.


Credit freezes or fraud alerts can be placed at the 3 main credit bureaus which can be found on our resources page. You can also find their addresses and phone numbers on our What to do Step by Step for a Stolen Purse or Lost Wallet page. Unfortunately, the bureaus are not noted for their customer service so you may want to keep that in mind when phoning.


Remember, don’t bury you head in the sand with regards to identity theft. The fact that you are here signifies that you wont. A lot of people fail to take any action and far too many end up regretting it… just ask the 8-10 million American victims each year.


Regardless of your choice, whether it be do-it-yourself, a professional identity protection company, credit monitoring or some combination of these, the important thing is that you take action to protect yourself and your loved ones. Identity theft costs our economy $50 billion a year and an untold amount of personal crisis and despair. Take action today and enjoy the peace of mind that comes when you know your credit and identity are protected.


Be safe, take action now. Get started by reading one or our reviews.


Don’t forget to read our blog for prevention tips, educational articles as well as industry and company news.


Identity theft has topped the list of consumer complaints filed with the FTC for 13 consecutive years and there's no evidence that this year it won't make the list for the 14th. Just how many victims of identity theft are there each year? While we don't yet have the figures for 2017, a Javeline report puts the numbers from 2012 at 12.6 million.


Factor in the more than 70 million Americans impacted by the recent Target and Niemen Marcus data breaches, and it's clear why identity theft is a major concern for many Americans.


Earlier this week, word came out that Target was the victim of a massive hack that exposed the… Read more Read more


Identity theft takes many forms. Some of the most common include:


Credit card fraud


False applications for new credit


Fraudulent withdrawals from a bank account


Fraudulent use of telephone calling cards


Fraudulent use of an IP address in order to engage in illegal acts online


Fraudulent use of medical care


Social security fraud (for tax and employment fraud)


If you know or suspect that you are the victim of identity theft, there are steps you should take immediately to stop the theft and minimize the damage.


Put a Fraud Alert on Your Credit Report


A fraud alert puts a red flag on your credit report and notifies lenders and creditors that they should take extra steps to verify your identity before extending credit. To place a 90-day fraud alert on all three of your credit reports, you only need to contact one of the three credit reporting agencies (Experian. Equifax. or TransUnion ). When you place the initial alert, they will automatically notify the other two agencies for you.


Another option—and a more effective identity theft prevention measure—is to place a security freeze on each of your credit reports. A freeze prevents creditors (except those with whom you already do business) from accessing your credit report(s) at all. New applications will automatically be declined. With a security freeze in place, you will need to take extra steps if you wish to apply for new credit. Each agency has a procedure for temporarily "thawing" your file in order to allow a legitimate application to be processed and unlike a fraud alert, you'll need to contact each agency individually to place a freeze on each of your reports. See more information about security freezes here: Experian. Equifax and TransUnion .


When you place a fraud alert on your credit reports, you're entitled to a free copy of your credit report from each of the three agencies. Be sure to obtain them. If you find fraudulent items on your credit report(s), the simplest way to begin the dispute process is to click the item while viewing your credit report online. Some items must be disputed in writing and with supporting documentation. Hard inquiries cannot be disputed, but may give you a clue as to where a thief has applied for credit in your name.


Initial fraud alerts are free and remain in place for 90 days. In some cases, security freezes and extended fraud alerts incur a small fee, but these services are free to victims of identity theft.


Contact Any Institution Directly Affected


For example, if you know your credit card was stolen, report the theft to the credit card issuer. If your checkbook was stolen, contact your bank.


For this step it's really helpful if you've prepared a list of institutions and phone numbers in advance. You don't have to write account numbers down on the list–that would be just one more way for a thief to gain access to your personal information. But do keep a list of what's in your wallet, along with the contact information for each item.


Contact the Federal Trade Commission (FTC)


File an Identity Theft Affidavit and create an Identity Theft Report. You can file your report online, by phone (toll-free): 1-877-ID THEFT (877-438-4338); TDD (toll-free): 1-866-653-4261, or by mail—600 Pennsylvania Ave. Washington DC 20580.


The FTC will provide you with information about what to do next, depending on what type of fraud was (or may have been) committed.


File a Police Report


To complete the Identity Theft Report, you'll need to contact your local law enforcement office and report the theft. Be sure to get a copy of the police report and/or the report number. Both your police report and the FTC Identity Theft Affidavit combine to create your Identity Theft Report. Your Identity Theft Report will help you when working with the credit reporting agencies or any other companies the identity their may have used to open accounts in your name.


This week is International Fraud Awareness Week, and there's no better time to brush up on… Read more Read more


Protect Your Social Security Number


If your social security number was or may have been compromised, contact the Social Security Administration (800-269-0271) and the Internal Revenue Service (800-829-0433).


It's important to talk to the SSA if you have reason to believe your social security number has been compromised, even if you don't yet see any evidence of financial fraud. A thief could be planning to swipe your tax refund, or to obtain employment in your name.


In addition to these five steps, if you have reason to believe the identity thief may have submitted a fraudulent change-of-address to the post office or has used the U. S. mail to commit the fraud against you, contact the Postal Inspection Service , which is the law enforcement and security branch of the post office. Fill out the online form.


Identity theft is easy to accomplish and often hard to protect against, leaving many people… Read more Read more


For more information about how to prevent or recover from identity theft, the U. S. Department of Justice and the Federal Trade Commission offer a wealth of information and will walk you through the steps.


CORRECTION: This article was updated by the author on 1.30.14 to address the difference between a fraud alert and a security freeze.


Kimberly Rotter is a writer, businesswoman, and mother in San Diego, CA. She holds a Bachelor's degree in English, a Master's degree in Business Administration, and a Graduate Certificate in Distance Education. Kim and her husband own two homes, a couple of vehicles, and a few investments, and they live with minimal debt. Both are successfully self-employed, each in their own field. Learn more at RotterWrites. com.


3 bureau credit scores and a public record report each quarter


ZoneAlarm Internet security suite; anti-keylogging software; ID Vault software


[Editor's Note: Identity Guard ® is offering NextAdvisor. com visitors a special deal on the individual plan, including a 25% discount off the monthly fee and a free 30-day trial. There is no coupon code required to take advantage of this offer but you must click on a link from our site. So simply click on any Identity Guard link on NextAdvisor. com to take advantage of this discounted price.]


In our opinion, Identity Guard Total Protection ® is the most comprehensive identity theft protection service we have reviewed and it really lives up to its total protection moniker. Identity Guard has the most extensive fraud monitoring we've found and offers its whole service at a great price, especially the individual plan with NextAdvisor's 25% discounted offer. The service has a vast array of features that help protect you against the many ways identity thieves might attack, through your credit files, social security number, bank accounts, computer and more.


Identity Guard Total Protection offers three types of memberships: individual, couples and family, no annual contract or commitment required. The individual plan costs $14.99/month (including NextAdvisor's 25% discount) and can be tried free for 30 days before you make a financial commitment. Couples who would like to get protection together can sign up for the couples plan, which costs $22.99/month and covers two adults in the same household. The family plan allows two adults plus up to 15 children in the same household to receive coverage for the monthly price of $24.99. Neither the couple or family plans offer a 30-day trial, it should be noted.


Children added to a family plan will be protected under its kID Sure program. While it allows up to 15 children to be added, proof of legal guardianship is required and they must be under the age of 18 years old.


The signup process for Identity Guard is relatively quick — after choosing which plan is right for you, the site will guide you through a short series of screens asking for your information, including payment information. Once you completely answer the questions and have your information verified, your identity protection begins. Your credit scores and three-bureau reports are available online immediately upon signup. If you want hard copies mailed to you, however, you can call customer service number and get them at no extra charge.


To add another adult to your account, the primary member (the person who initially signed up) will receive an email with an enrollment link. Simply forward this email to the other adult in your household and they can sign up for their Identity Guard protection. Neither adult will have access to each other's information, for security purposes, though only the primary member can change billing information. Children can be added under the kID Sure Child Monitoring protection area by the primary member; only this person will be able to view children's information.


Identity Theft Protection


Identity Guard offers daily monitoring of your credit report at all three bureaus, which begins shortly after you complete the enrollment process. We find Identity Guard's thorough credit report monitoring to be a highly valuable tool because it alerts you in the event that there are certain changes detected in your name.


In addition to credit report monitoring, Identity Guard provides some of the most extensive fraud monitoring of any of our reviewed services. Identity Guard monitors public records for certain changes in your name, scans numerous databases for application or social security fraud, and monitors the Internet's black market for the use of your credit cards or other personal information. If Identity Guard notices certain changes to or presence of your registered personal information in its data sources, then the service will promptly send you alerts via email, phone calls or text messages. When you sign up your alerts are automatically set to email, however, you can opt to change the alerts when you sign into your account or call a customer service representative to assist you. We found these alerts to be a valuable service because if in fact the activity is fraud then you have more of an option and opportunity to catch the fraud before it gets too far.


Identity Guard also provides a selection of software to protect your computer. Privacy Protect, an anti-keylogging software, stops thieves from monitoring what you type when you're online. ID Vault software allows you to store your online account and credit card information for security while online shopping. And to top it off, ZoneAlarm Internet Security software. a total Internet security suite, provides antivirus and antimalware protection for your computer.


Other identity protection services Identity Guard offers are lost wallet protection (a representative from the Identity Theft Recovery Unit can cancel your credit card accounts and send you up to $2,000 advance from one of your accounts if you need it) and a personal public record report.


As mentioned above, Identity Guard also offers protection for children with its kID Sure Child Monitoring, which monitors for your child's information on criminal records, DMV records, utilities records, as well as scans for social security number exposure on the Internet black market. The children you sign up have to be under the age of 18, and you must be their legal guardian.


Identity Guard Total Protection aims to protect you and your family's identity across multiple fronts, including your credit, public records as well as Internet and computer use. While no protection can be 100% complete, Identity Guard offers the most comprehensive protection we've found.


Credit Report Monitoring Information


Similar to many credit report monitoring services, Identity Guard Total Protection completes daily scans of all three of your credit files and notifies you of certain changes. We were particularly impressed that it provided contact information for all of the creditors listed on our credit report, something few other services include. Identity Guard Total Protection gives you all three of your credit scores every quarter. It also has some very useful credit tools, such as the Credit Analyzer which allows you to see what effect taking different actions (such as paying off a balance or missing a statement) could have on your credit score. You can review your credit reports, as well as view your credit scores and look at a breakdown of the positive and negative factors shaping it.


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Prevent Identity Theft With Social Security Number Event Tracker


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1 Your CreditXpert® Scores™ are provided by CreditXpert Inc. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores you receive directly from those agencies or from other sources.


2 Daily monitoring will notify you of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then you will receive a monthly notification stating that no information has changed within your credit file.


3 Trilegiant Corporation, Trilegiant Insurance Services, Inc. and Alliance Marketing Association and their credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit reports, credit scores, Credit Alert® reports or other reports which you receive in connection with the PrivacyGuard service, including any liability for damages, direct or indirect, consequential or incidental.


PrivacyGuard is a service of Trilegiant Corporation in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the PrivacyGuard service. Any part of the service may be modified or improved at any time and without prior notice. PrivacyGuard is not available to residents of Rhode Island. PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, LLC.


Defend against identity theft with Instant Alerts. Fraudulent activity on your credit report can complicate your life and take ages to correct. Learn more about how to get better protection with instant email alerts regarding all credit inquiries.


TransUnion Credit Lock


Prevent identity theft with Credit Lock. Identity thieves can destroy your credit and compromise your financial wellbeing. Learn more about how easy it is to safeguard your report.


A credit report is your financial dossier. It is a record of your credit history that lenders use to determine your creditworthiness. Learn more about credit reporting, explore article archives, and educate yourself about this essential component of your financial health.


Educate yourself about what impacts your credit scores. Understand how your credit score plays a crucial role in major life decisions, from auto financing to buying a new home. Click here to explore our article archive.


Identity theft is a serious crime. Learn more about how to protect your personal information. Find easy tips for preventing identify theft, from locking your credit report to setting up better passwords.


Learn more about the importance of credit monitoring. With credit monitoring you can spot identity theft, correct inaccuracies and receive alerts when changes are made to your report. Keep yourself informed. Read more about how credit monitoring can contribute to your financial health.


Debt and Money Management


Develop the management skills to create and maintain your financial health. Read more about simple ways you can take control of your finances. Useful tips for making a budget, reducing your debt and building a brighter financial future.


You have three different credit reports, one for each of the three credit bureaus—TransUnion, Experian and Equifax. Information varies from bureau to bureau, so it’s important to monitor all three of your reports. Click here to learn more.


Annual Credit Report


You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport. com. Click here to learn more about how to interpret your credit reports.


Whether you’re a first-time homebuyer, second-mortgage seeker or refinancer, financing a home may be the most important investment you make. Learn more about one of the biggest financial decisions of your life.


Learn more about the different types of credit cards and how they can help you establish better credit for the future. Read more about how credit cards affect your credit rating. With our Featured Offers, find the card that best fits your lifestyle.


You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport. com. Click here to learn more about how to interpret your credit reports.


Credit Report Disputes


Learn how to dispute inaccurate and fraudulent information on your credit report. TransUnion offers the easiest and fastest way to resolve any and all inaccuracies on your record. Click here to file your dispute now.


If you are concerned about becoming a victim of fraud or identity theft, a Security Freeze might be right for you. Learn more about placing a freeze on your credit report to prevent lenders from accessing your TransUnion credit report entirely, which will prevent them from extending credit.


Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies per year. Click here to see if you qualify for additional free or reduced fare credit reports.


If you suspect you have been the victim of fraud, TransUnion makes it easy to send alerts to your creditors and the other credit bureaus. Click here to learn more about protecting yourself by sending out alerts now.


Fraud Victims Resources


We know how hard it is to be the victim of fraud. TransUnion makes it easier for you to handle the situation by placing fraud alerts and providing a list of institutions you will need to contact to clear your name, as well as other important resources. Click here to learn more.


Find your next credit card with TransUnion’s featured offers. Browse by category, interest rate, balance transfer offers, credit health needed, issuer and more!


Finance your home investment with the right mortgage—browse featured offers in your area and compare interest rates, APRs, estimated monthly payments and more!


See if you can save on auto insurance with TransUnion’s featured offers. Browse offers by zip code, age, current insurer and other categories to get your next quote.


Lock out identity theft with TransUnion's Credit Lock


What is Identity Theft? Identity theft is a serious crime where your personal information—anything from your name, your driver’s license, or Social Security Number—has been hijacked by an imposter who intends to commit fraud in your name. With your Social Security Number, someone can easily obtain false lines of credit and rack up significant debt in your name. With a stolen identity, someone might hide behind your name in a legal matter, leaving you with a false criminal record. Identity fraud is a major problem, and it happens more often than you might think. According to the Internal Revenue Service, 2.7 million people had their identities stolen in 2017.


How do I protect my identity when a data breach occurs? When it comes to major data breaches, one of the best identity protection habits you can have is to change your passwords on a regular basis. Make this a part of your monthly routine. Credit card information is seldom exposed in a data breach, but the same cannot be said for email addresses and passwords. Another simple step toward protection is to avoid using similar passwords, like password1 and password2 . Mix it up.


How can someone steal my identity? Your mail often contains sensitive information, like your Social Security Number, and criminals can obtain it by going through your trash. It’s important to destroy documents that include personal information before putting them in the garbage. Identity theft can also occur as the result of a lost or stolen wallet, in which case you should file a report with the local police, as well as your bank and credit card companies.


How do I find out if my identity has been stolen? Getting your credit report from TransUnion is an effective way to detect identity fraud. You can review your report for signs of suspicious activity, such as accounts opened in your name that you don’t recognize, or credit checks from companies with which you’ve never done business. This could be a sign that someone is applying for credit in your name. Better to catch them early. You can’t always prevent identity theft, but you can be proactive and minimize the damage. If you don’t review your credit report on a regular basis, months might go by before you find out that someone has stolen your identity. Imagine a collection agency contacting you about purchases you didn’t make, or the police showing up at your door with an arrest warrant for fraud you didn’t commit.


What do I do if my identity has been stolen? If you suspect that someone has stolen your identity, there are several things you need to do.


Report the theft Report the identity theft to the local police, the Federal Trade Commission and your State Consumer Protection Office or Attorney General. Contact the company or financial institution where the fraud occurred. Inform them that a false account has been opened in your name. For insurance fraud, contact your insurance company, and let them know that your identity has been stolen. For tax fraud, contact the IRS.


Freeze your accounts


Contact the three credit reporting agencies—TransUnion, Experian and Equifax—and place a freeze on your accounts. The freeze will block any further credit applications made in your name.


Report the situation to the fraud departments of all of your financial institutions (any and all banks with which you do business or have current accounts).


10 Myths About Non-Binary People It’s Time to Unlearn


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What’s the number one misconception about non-binary people? It’s that we don’t exist.


In fact, if you Google “genderqueer is,” here are the top fill-ins that come up: “bullshit,” “a fad,” and “not real.” Awesome.


But despite the many Googlers doubting us, we do exist — in multitudes! It’s just that there are very few spaces where we can be ourselves.


Although many think that we don’t exist, ironically, there are still harmful stereotypes about us. Today, we’re going to look at ones that come from the United States.


Many people grew up being told that all people were either male or female. They never imagined that instead of two binary options for gender, there is a whole planet of possibilities out there.


Now — finally! — people are becoming more aware of non-binary genders, which you can learn more about here. here. and here.


This article in particular, though, is for people who already are aware that a world of gender exists and who want to know more about non-binary people.


Hopefully, it will also help you understand sexism in general more deeply. Because, as Julia Serano puts it. there are two main roots of sexism: One is the privileging of masculinity and maleness over femininity and femaleness, and another is non-binary oppression — or forced conformity to binary gender expectations.


W hile non-binary people are most directly oppressed by binary prejudice, revamping our conceptions around binary gender frees everyone.


Non-binary people are so marginalized that our genders do not occur to most people, except as a bad joke. We have no high-profile role models or political representation. Most people in the feminist community — and even many in the trans community — omit us in discussions of gender justice.


Yet our gender identities (or lack of gender) are at the heart of sexist thinking. Understanding non-binary oppression is a key piece of the puzzle for understanding gender-based oppression overall. Unlearning misconceptions and stereotypes about non-binary people is a great place to start.


But first, a note on language: Not everyone who is non-binary identifies as trans. Not everyone who isn’t solely male or female identifies as non-binary either. And agender people sometimes dislike the words non-binary and trans because they have the implication of gender within them. In this article, I will use the phrase “non-binary” as an imperfect umbrella term for anyone who does not solely identify as male or female.


Myth #1: You Are Trying to Be ‘Special Snowflakes’ (Or ‘This Is Just a Fad’)


This stereotype comes with the assumption that we’re spoiled and looking for attention by trying to be unique.


In actuality, this is simply our experience of gender, and it has nothing to do with “fads,” although I like to think we can be a fashionable bunch!


Common phrases that adhere to this stereotype include, “You can still wear whatever you want and be a girl/boy,” and “Just pick one already.”


When people say these things, they overlook the difference between gender identity and gender expression. Non-binary people can express our genders in any way that works for us, but at the end of the day, our gender identities still don’t fit solely into “male” or “female.”


For a non-binary person, choosing between being male or female is simply not an option.


The range of non-binary gender identities is nearly boundless — and so are the words we use to describe ourselves. Here is a list of some of those words. Our diversity, far from invalidating our identities, is at the heart of who we are.


Myth #2: You’re Just Confused


Being non-binary does not mean that we’re confused about our genders. It simply means that our gender is not solely male or female, or that we have no gender.


Underlying this myth is the idea that because others are often confused by us, there is no way that we could actually be sure about being non-binary.


There also is the assumption that if we’re confused, then it’s okay for people to decide how to refer to us.


However, there is absolutely nothing wrong with being confused about your gender! Confusion is completely normal and a part of many trans people’s process.


What is unacceptable, though, is invalidating people’s genders because they’re still figuring things out. No matter what, others should affirm and respect our genders.


Myth #3: You Are a New Concept


Non-binary people have been around in all societies for a very long time. In mainstream American society, we simply have received no societal space or attention until recently. This reasoning is often backed up by the thought that “if I haven’t heard of it until now, it must not have existed until now.”


In fact, many cultures across the world have words for genders that are neither or both male or female, and a number of cultures have specific spaces for them .


This map. although it employs problematic imperialist language at times, is a good starting point to learn more.


Being non-binary is a normal and natural way of being and experiencing gender (or being agender). And it has been since—uh—forever.


Myth #4: You All Fit on a Spectrum, from ‘Masculine’ to ‘Feminine’


Many people like to say that the binary gender system only allows us two colors, when really the full possibilities of gender exist as a whole range of color .


This analogy is more useful than “spectrum” because it allows for all genders to be measured not by the amount at which they “measure up” to the two most common gender identities and expressions, but simply by the way they just are .


Sometimes the spectrum analogy is helpful. For example, it’s useful when someone is trying to describe their gender in relation to binary gender identities and expressions, or if their gender feels relatable to those things.


But gender has so many more possibilities than that. For some people, “spectrum” is just too small of a concept.


In terms of gender expression, “masculine,” “feminine,” and/or “androgynous” are words that work for some non-binary people. But there are also so many more ways for non-binary people to express themselves and to experience gender.


This is why it’s important to assume you don’t know someone’s gender identity and to always ask how to refer to someone.


Myth #5: You’re Genderqueer? That’s So Political!


We don’t tell binary people, “Oh, you’re a man? That’s so radical!” or “You’re a woman? That’s a divisive stand to take!”


Even though being a trans or cis man or a trans or cis woman certainly has political implications, it is first and foremost recognized as a gender identity.


People seem to think that we’re non-binary simply to spread a political message about gender — or to “smash the binary” in an ideological sense.


In reality, we are simply trying to live our lives as ourselves.


Being non-binary is first and foremost about gender identity.


When so many people deny who we are, our very existence can be political. We are (often, not always) political because our identities are so marginalized.


But our actual genders (or agender status) are simply an innate part of us.


Myth #6: You Want to Destroy Gender


This myth asserts that we are invalidating binary trans and cis people’s genders. It also ignores that many non-binary people do have genders themselves.


And sure – some non-binary people hate the whole idea of gender and the gender system, and therefore do identify with the idea of destroying gender. After all, the binary gender system has oppressed us literally out of our lives and ourselves.


Usually, though, the conversation is about building space for a whole world of genders. It’s not about disallowing binary people, trans or cis, from having binary genders.


Instead of destroying gender, many of us simply want more options for gender — or the option to not have one at all. We want a world that has been unnecessarily and painfully restricted to be opened up, in full color. We are creating a world where gender is joyful for all who experience it.


Myth #7: Your Pronouns Are Ridiculous


Trans people often have to fight for people to use the right pronouns. In addition to this, many non-binary people also have to fight against ridicule of their actual pronouns. People’s incredulousness often goes back to the idea that we are asking for special treatment.


Like with any pronoun change, people also tend to focus more on how difficult it is to accommodate the change rather than on how to make this as easy as possible for the person transitioning.


When there are unfamiliar pronouns involved, this reluctance can grow even more quickly. But instead, the focus should be on respecting the needs of the person who is transitioning. It can be a learning curve to get non-binary pronouns right. but respecting everyone’s genders is important.


Whatever pronouns anyone uses ( and there are so many possibilities! ), those pronouns are an expression of who they are. Some people use all or multiple pronouns, and some people use no pronouns.


Using “he/him/his” or “she/her/hers” pronouns does not always mean that someone is actually male or female. This is why it is better to introduce yourself with the combination of pronouns you use rather than calling them “male” or “female” pronouns.


And some non-binary people who use gender-neutral pronouns are happy with someone using any or many gender-neutral pronoun options. Some are not, for a large variety of reasons. So please be sure that you are clear on what the non-binary people in your life need.


When someone asks for a pronoun change, it’s to become more comfortable and happy. There’s nothing ridiculous about that!


For a discussion of why it is important to respect all pronouns, please check out this article.


Myth #8: You Don’t Medically Transition


Trans people have long been subjugated by the mental health and medical care systems in order to get the care they need. Trans women have had to express in typically feminine ways in order to get treatment, and the situation has been similar for trans men.


Non-binary people weren’t even recognized by the WPATH Standards of Care until a few years ago. when finally the mental health community said that a variety of gender-related treatment can be medically necessary for non-binary people.


Now that the Standards of Care have been updated, non-binary medical transition is slowly becoming more accessible .


However, research on non-binary treatment options is practically non-existent. and the possibilities are very limited. Physical transition for trans people in general is hard to access and poorly researched. With non-binary people, this problem is multiplied.


Just as with binary trans people, not everyone who is non-binary medically transitions. Some people don’t experience physical dysphoria; some do not have options that work for them; some people simply don’t want to; some people have been denied access.


Myth #9: Non-Binary Equals Intersex


These are two different things. Like, entirely.


Being non-binary is about having a gender identity that doesn’t fit neatly into “man” or “woman.” Being intersex is about being born with a physical sex that isn’t classified as typically male or female.


This idea that intersex and non-binary people are the same comes from the insistence that our gender identities must “match” our sexes, and therefore that the sexes of non-binary people must not be male or female (and therefore, supposedly, intersex).


Reducing people to their body parts is a basic form of transphobia — and sexism in general.


In addition, some well-intentioned people try to problematize the gender binary by saying that intersex people’s existence demonstrates that “man” or “woman” aren’t the only two options.


This flawed logic does more harm than good, however. The existence of a variety of sexes is unrelated to the existence of a variety of gender identities. This is because our bodies do not determine gender identity, even if they often influence the way we experience it.


Myth #10: You Don’t Experience Trans Oppression


In fact, we suffer significant impacts of anti-transgender bias and in some cases, are at higher risk for discrimination and violence than our binary transgender counterparts, according to this groundbreaking 2008 National Transgender Discrimination Survey.


This is probably due to the fact that binary prejudice is common in both the trans and the cis communities, leaving us with very few safe spaces and support systems.


These statistics also might be affected by the fact that a proportionally higher amount of people of color identified as non-binary since racism greatly increases the risks a trans person faces.


This survey found that, compared with binary trans people, we have higher rates of physical and sexual assault, police harassment, and working in the underground economy .


Non-binary people also attempt suicide at a slightly higher rate even than the already ridiculously high rate for trans people in general. 43% of us have attempted suicide . and that is deeply connected to the challenges we’ve discussed throughout this piece.


It is hard to live in a world where we are told we don’t exist and where we are punished and silenced for being visible.


Given the especially high levels of oppression non-binary people face in nearly every category, it is imperative that non-binary people are one of the foremost voices in conversations on gender justice.


There are ways you can help.


The biggest way you can combat non-binary oppression in your daily life is by including non-binary people any time a relevant conversation about gender comes up.


Ensuring that people are aware of non-binary experiences will go a long way towards making the world a freer, glitterier, happier place for all of our genders — and for those who have none at all.


About Adrian Ballou


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ITRC Fact Sheet 115 - When You Personally Know the Identity Thief What are your options when you know the imposter?


Case Examples:


Case 1: “My adult daughter used my information without my knowledge to open several credit cards and buy a car. She hasn’t paid on any of these accounts and now the bank and credit card companies want me to pay. What do I do? I don’t want to see her go to jail.”


Case 2: “My father has a gambling problem. He opened several checking accounts in both my name and my brother’s name. Then he wrote bad checks for his debt. He’s 68 years old and my family thinks we should just pay off the debt. I know that if we do, he’ll just do it again. What do you advise?”


Case 3: “My ex-husband is using my 8-year old son’s SSN to open credit cards. He even got a driver’s license using his information. How do I stop him?”


Case 4: “My friend apparently went through my papers one day and found my SSN. She has several credit cards that she applied for in both of our names. I found out when I applied for a card and it was denied. She says she will pay off the cards but can only afford $20 a month. The credit card companies want all of it now. I can’t afford to pay these off. It is more than $10,000. What do I do? She won’t sign a letter saying these are really her cards because she is afraid they will arrest her.”


Identity theft is a complex crime at best. When the imposter is someone known to you, the impact of the crime magnifies dramatically:


You essentially have three choices of action:


Proceed as if this was a regular case of id theft.


Make a police report (this is not the same as pressing charges against the person)


Cooperate with law enforcement’s investigation


Work with the creditors to see if a resolution can be made without police involvement


Pay the debt and live with the consequences


This guide will address some of these choices and possible solutions.


The Reality of the Situation


Let’s look at this situation from various points of view.


The law: If you do not report this case, there will be no police report, and no investigation. If you want the protection of the law as a victim of identity theft (and all the benefits you gain as a recognized identity theft victim), you must make a report. To get the protection of federal and conspirator unless you knew about the fraud and did nothing to stop it, or participated in the fraud yourself. If you refuse to make a report, you may risk appearing suspect when you try to clear the fraud activity (civil or criminal).


Credit card companies and financial institutions: The credit card companies and financial institutions want their money back. That is a reasonable expectation. It is your task to convince them that another person has taken over your accounts and/or opened new accounts in your name – all without your permission or knowledge. You will have to prove that you have not benefited financially from these accounts. Unfortunately, without a police report, your job will be much tougher. Credit card companies do not take victims seriously without a police report.


The victim: When you personally know the individual who has used your information, the emotional impact of identity theft dramatically increases -- the sense of violation and betrayal, embarrassment for yourself and the imposter, the abuse of trust, even your feeling of how you evaluate others.


You may feel that this decision is not cut and dry. That feeling is one that many family identity theft victims experience as they begin to explore their options. This decision has many ramifications, for you and for those who know both you and the imposter. And those who know both of you may put pressure on you to assume the responsibility for the crime to protect the criminal.


One victim put it this way:


“The person who stole my identity was a friend. When I first found out, I was angry at what she did to me, apparently without concern for my feelings or financial security. I reported the situation to the police and then spent the next few weeks worrying about her safety. Would she be arrested? Would she be angry with me? She did get arrested and pled guilty.


The day they took her from the courtroom in shackles was a very difficult day for me. I had a lot of mixed feelings. I knew she would not be able to hurt me for a while, that she would pay for her crime. People told me I should be celebrating. But how do you celebrate when you get to walk in the sunlight and the person you thought was a friend is behind bars, on a cot, alone and unable to feel the breeze on her face?


It took me a while to stop identifying with her. I also had to make peace with myself. I was not the cause of the crime. I was simply a way for her to get money. By going to the police, I had actually given her a gift – a chance to change her ways and get her life together. I finally realized this crime was not about me. It was about her and her problems. I was just an innocent bystander. She was not capable of understanding friendship.”


What If You Suspect the Imposter Is Someone You Know?


Normally, the steps you would take are on ITRC Fact Sheet FS 100 – Financial Identity Theft: the Beginning Steps and ITRC Fact Sheet FS 100A – More Complex Cases. To review:


The first step is to order copies of your credit reports from Experian, TransUnion and Equifax. These reports are free if you believe you are a victim of financial crime or have been refused credit or a job. Place a fraud alert on each of them.


File a police report, using the information from your credit reports as evidence.


Call all the companies or collection agencies listing an account that you have not personally opened or that show a pending application. Request they send you a copy of the application and transaction records. Remember, you must send a police report with this request.


Remember, you are not liable for this debt, and the company is taking advantage of the fact that you’re a family member if they insist that you pay.


Keep trying to get the company to remove the debt.


If you have a police report listing all the fraud accounts, the credit bureaus must block the fraudulent accounts from your credit reports within 30 days or provide you with a written response regarding why they will not.


Frequently Asked Questions:


What if I file a police report? Won’t everyone hate me?


The person who used your information showed a lack of concern for your safety and financial good health. The old saying, “I didn’t think it would really hurt you; the credit card companies just write off the loss,” cannot be allowed as an excuse. The cost of loss is passed on to all of us in higher prices and taxes. If you have approached that person and told them you have a problem they caused AND they don’t respond with an offer to make it completely right immediately, they’ve told you their answer. They don’t care about you and how this affects your life. Why would you continue to protect someone who is putting you at risk?


By contacting the authorities and cooperating fully, you have not caused this person to be arrested. They caused this by their own actions. In your heart, you must understand you did the right thing, sometimes the most difficult action you will ever take. Be careful if you think this person may become violent. Do not confront him/her. Let the police handle the situation and make sure you take the necessary steps to protect yourself.


My family wants me to forgive the imposter and they will help me pay off the bills slowly together. What are the consequences of this?


If the imposter and credit issuer will cooperate, have the account moved to the imposter’s SSN. Have the family work out an agreement in writing, signed by all parties, to put the debt in the imposter’s name to pay it off.


UNDERSTAND, if you pay the debt in your name, any negative information on your credit report will remain on your report for seven (7) years. You have assumed responsibility for the debt, and any negative credit worthiness consequences.


The imposter either will not admit guilt will admit guild but not sign any forms. I have conclusive proof of the crime. How should I proceed?


Proceed as in Question One or Three – the choice is yours. Either file a police report, or pay the bill.


The creditor won’t believe either the thief or me? Now what?


Assuming you have provided proof, have filed a police report and there is a notarized admission of guilt by the imposter, you need to speak with a higher level person that you are currently dealing with. Ask for the legal department if all else fails. See ITRC’s Fact Sheet FS 116 on dealing with collection agencies.


The perpetrator is my ex-spouse or soon to be ex-spouse. What is the best way to proceed?


If the person has opened up credit cards in your name, without your authorization, we recommend that you have your divorce attorney address this as part of the divorce proceedings or settlement. If the divorce is final, you may choose to deal with this, as in Question One above, or go back to your divorce attorney for additional court assistance. Send a copy of the divorce decree with a cover letter to the creditors and let them go after your ex-spouse. For more information you can read our ITRC Fact Sheet FS 115A - What if my spouse is stealing my identity?


Does mediation help?


Mediation is a form of civil action. This is an option if you don’t want to take criminal legal action. The mediator will attempt to create a structured solution and legally binding agreement as to the circumstances between the imposter, the creditors or collection agencies and you. However, the downside is that the collection notice or bill still remains on your credit report unless the creditor will transfer the account to the imposter’s Social Security Number (see question 3 above). If the party refuses to go to mediation, you have to decide – are you going to pay the bill, take them to small claims court and sue them for the amount owed or report them to the police?


Do I need legal assistance?


If your impostor has committed crimes in your name, you should definitely contact a criminal defense attorney and have him/her help you to clear your name from the FBI and state criminal records databases. See the ITRC Fact Sheet FS 110 - Criminal Identity Theft. If your family member committed financial fraud, and the creditors will not remove the fraud after you have written letters, you may need to hire a consumer law attorney. For referrals, contact the National Association of Consumer Advocates, your local or state bar association or other resources in The Identity Theft Survival Kit available at www. idtheft. org. It provides additional attorney-written letters on diskette dealing with this situation.


Whatever you decide to do, know the Identity Theft Resource Center is here to help you through this maze. Please call or email us at This email address is being protected from spambots. Necesita activar JavaScript para visualizarla. if you want additional help.


This fact sheet should not be used in lieu of legal advice. Any requests to reproduce this material, other than by individual victims for their own use, should be directed to This email address is being protected from spambots. Necesita activar JavaScript para visualizarla.


Copyright 2017, Identity Theft Resource Center®, all rights reserved. Created by ITRC


Options Click Non Payment Scam


By Petar Nola - December 20, 2017 9:47 am


Options Click is not on our broker list and they are potentially scamming many clients – we simply can’t know for sure. Here on Fair Binary Options we always encourage our members to deposit with brokers we recommend. Check out our trusted binary brokers list. The reason why we emphasize this is that if you signup via our site not only is the risk of theft by the brokers tiny but more importantly we are able to assist you should you ever have any problems.


Broker that do not comply and pay their clients will be removed and banned from Fair Binary Options and out network.


Trouble in paradise is a common phrase used when talking about a marriage and relationships. When our clients signup via our website we enter a relationship where you as our clients are the most important asset to our company. Without you we were not here! We will do whatever we can to make sure your funds are safe and have no problems with withdrawals. So far this year we helped several members to get their money back from brokers. When you are one person with problems your complaints are more often overheard than if we contact a partner to get help.


In most ‘fraud’ cases its not a matter of fraud but lack of competence, a simple mistake or some software bug that caused a payment delay. We had a member of FBO write us to ask for help since he has more than €4000 stuck on Options Click that ignores his payment requests. He has failed to get his money back for six months.


We signed up to Options Click partner program in order to a contact person at Options Click. We never heard from them. The company behind the scenes of Options Click is Spiral Solutions who are known from the casino industry to be a rouge company not afraid of stealing money from partners, laying off honest staff if they intervene with the company policies that encourage making profits as #1 priority.


In the screen shot below you can tell that our member of FBO have been rejected 2 times with a very long time delay. We have been reassured that his account is verified according to the policy of Options Click.


We fail to understand why Options Click will not pay their client. When they don’t its FRAUD & THEFT.


As you can tell from the screenshot our client have had his money stuck on Options Click since May. Here in December 2017 he still have not received his deposit back. We will still attempt to get a hold of Options Click but can’t make any guarantee that they will listen to reason and pay their client a member of FBO.


We strongly advise to stay away from Options Click!


Protect Your Identity, Your Credit and Your Time


Every hour of the day, criminals use tricks and sophisticated tools to try to break into people’s email, internet banking and records. Once they have them, an individual’s vital information – possibly even credit card numbers – can be used anywhere in the world.


Don’t run the risk of becoming a victim of fraud and identity theft. Nationwide identity theft coverage can help you protect your vital information, and keep you from having to spend countless hours trying to restore your credit and good name.


How does Nationwide identity theft coverage work?


Rápido. Just make one call to our identity theft protection hotline. Our experts will immediately take action to:


Quickly assess your situation to determine if fraud has occurred.


Stop damage to your credit within minutes of your authorization by directly contacting major credit bureaus.


Make all required phone calls to creditors, banks and agencies.


Assist you in replacing documents, including driver’s license, passport, Social Security card or other ID.


Provide an emergency cash advance if the theft occurs while you’re away from home (restrictions and limits apply).


Provide up to $25,000 in recovery for expense reimbursement with no deductible


Enjoy extra protection for your computer


If you enroll in credit monitoring, you’ll get additional coverage from our partner, Europ Assistance USA. This online data protection suite includes two tools to protect your sensitive data while you surf the Internet:


1. DataScrambler TM protects your keystrokes from being monitored. 2. PhishBlock TM warns you if you attempt to access a phishing site. This optional service works alongside traditional anti-virus software and can be downloaded and installed in 3 simple steps on up to 3 personal computers.


Enroll in credit monitoring for even more protection


Once you enroll in credit monitoring your credit report can let you know quickly when fraud has occurred. That’s why we partnered with Europ Assistance USA ® and TransUnion ® to provide credit monitoring to our ID theft customers. This optional service will email you when your credit report changes. Best of all, it’s free for one member on your ID theft policy.


Don’t spend countless hours trying to recover your stolen identity. Save time, money and frustration with identity theft coverage from Nationwide.


Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.


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Getting A Binary Options Tutorial: Practice Makes Perfect Profits


With any kind of investment, there are risks. Even with something as seemingly simple as binary options, wherein you only need to predict whether the value of an asset will go up or down, certain risks could have a huge impact on your profits. If your wager is based on the wrong information, if you don’t use the right strategies, if you fail to understand how the market works — these could all create a negative outcome for your trades.


In order to eliminate or diminish the risks in binary options trading, you need to know more — you need to get a proper binary options tutorial. Tutorials are sometimes offered by leading binary options consulting companies. You can gain access to basic education on trading by simply exploring the consulting firm’s website. If you wish to enhance your existing knowledge, you can sign up for mentorship and specific programmes designed to take your trading skills from beginner to skilled.


Such tutorials or lectures on binary options can be Web-based, which is when you download videos and/or documents created by experienced and expert binary options traders. These tutorials may be focused on more complex trading strategies and give you detailed steps on how to go about executing such strategies. If you’re looking to go from a mere $1,000 investment to a staggering $1 million profit, you may want to get access to such specialised tutorials. But make sure you get your information and guides from established sources that have a proven track record of delivering more wins for more traders.


For beginners looking to get their feet wet in binary options trading, there are several resources on the Web that offer free tutorials on any number of topics concerning the basics of binary options. These include: learning the first things you should do as a beginner trader such as choosing your trading platform and your broker; learning about the markets and the assets, from currencies to indices; managing your risks, and understanding every trading strategy.


Finally, it’s important to remember that while you’re learning about trading, you should also devote time to practicing what you’ve gained from every tutorial. It’s advisable to start with a practice account before you dive into binary options trading. A practice account allows you to execute what you’ve studied without having to use your money. You can get a feel for the act of trading and perhaps even shrug off the initial nervousness. So when you’re ready to make those predictions about the value of certain assets, you’ll be more composed to make good, profitable decisions.


Obtenga su copia GRATUITA de nuestro libro más vendido


Testimonios


Su visión y pasión para ayudar a otras personas que realmente quieren cambiar sus vidas es casi nada. Esta es, con mucho, las mejores opciones binarias de formación / educación y la plataforma de señalización que no sólo le enseña que usted puede hacer miles de dólares, pero lo que realmente necesita para ser un comerciante de éxito. Lo que he aprendido hasta ahora es una mina de oro. Lo único que lamento es que no descubrí a los expertos en opciones binarias cuando empecé a negociar opciones binarias y tener que reacondicionar mi mente de los hábitos que he recogido en el camino (no tan buenos hábitos). Espero tener éxito en el comercio y el crecimiento personal con ustedes. Recomendaría a los expertos en opciones binarias a cualquiera que esté realmente comprometido con el proceso.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Julian Baidoo


Desde que comenzó hace 3 meses mi cuenta ha triplicado más, apenas colocando comercios en los índices. Las señales que se envían son claras y fáciles de entender, incluso para alguien como yo que tiene muy poco conocimiento comercial. No puedo agradecer a los expertos en opciones binarias lo suficiente.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Chris Smith


Sólo quería hacerle saber que recibí la ayuda principal de los videos en el área del miembro. Me tomé de nuevo a mis días de colegio, me senté, centrado, la mano escribió las reglas de entrada de comercio, los revisó, revisó los videos y estoy en el buen camino. Es como usted ha dicho, nos corresponde asumir la responsabilidad de donde queremos estar.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Amanda Harman


Mi comercio está progresando muy bien gracias. Por cierto, los webinars son excelentes, los encuentro muy motivadores y siempre recoges algo que resulta útil.


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¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Alan P


Sólo quería decir gracias por toda su ayuda. Usted debe estar orgulloso de que está haciendo lo que tantas empresas pretenden hacer, realmente ayudar y educar a los demás para que sean capaces de producir resultados reales y probados. Gracias de nuevo.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Anita K


Los beneficios que estoy viendo diariamente son, de lejos, los más inmediatos y lucrativos que he experimentado. Recomendaría a los expertos binarios de la opción a cualquier programa excepcional de la negociación, educación de vanguardia, ayuda práctica y oportuna y GRITAR LOS BENEFICIOS.


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NUESTROS FELICES CLIENTES


Su visión y pasión para ayudar a otras personas que realmente quieren cambiar sus vidas es casi nada. Esta es, con mucho, las mejores opciones binarias de formación / educación y la plataforma de señalización que no sólo le enseña que usted puede hacer miles de dólares, pero lo que realmente necesita para ser un comerciante de éxito. Lo que he aprendido hasta ahora es una mina de oro. Lo único que lamento es que no descubrí a los expertos en opciones binarias cuando empecé a negociar opciones binarias y tener que reacondicionar mi mente de los hábitos que he recogido en el camino (no tan buenos hábitos). Espero tener éxito en el comercio y el crecimiento personal con ustedes. Recomendaría a los expertos en opciones binarias a cualquiera que esté realmente comprometido con el proceso.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Julian Baidoo


Desde que comenzó hace 3 meses mi cuenta ha triplicado más, apenas colocando comercios en los índices. Las señales que se envían son claras y fáciles de entender, incluso para alguien como yo que tiene muy poco conocimiento comercial. No puedo agradecer a los expertos en opciones binarias lo suficiente.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Chris Smith


Sólo quería hacerle saber que recibí la ayuda principal de los videos en el área del miembro. Me tomé de nuevo a mis días de colegio, me senté, centrado, la mano escribió las reglas de entrada de comercio, los revisó, revisó los videos y estoy en el buen camino. Es como usted ha dicho, nos corresponde asumir la responsabilidad de donde queremos estar.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Amanda Harman


Mi comercio está progresando muy bien gracias. Por cierto, los webinars son excelentes, los encuentro muy motivadores y siempre recoges algo que resulta útil.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Alan P


Sólo quería decir gracias por toda su ayuda. Usted debe estar orgulloso de que está haciendo lo que tantas empresas pretenden hacer, realmente ayudar y educar a los demás para que sean capaces de producir resultados reales y probados. Gracias de nuevo.


Obtenga su copia GRATUITA de nuestro libro más vendido


¡Coge tu copia de Unleash The Power ofBinary Options ahora!


Introduzca sus datos a continuación


Desarrollado por PopUp Domination


Anita K


Los beneficios que estoy viendo diariamente son, de lejos, los más inmediatos y lucrativos que he experimentado. Recomendaría a los expertos binarios de la opción a cualquier programa excepcional de la negociación, educación de vanguardia, ayuda práctica y oportuna y GRITAR LOS BENEFICIOS.


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Prevention Methods


The following preventative methods material is excerpted from Martin T. Biegelman’s book entitled Identity Theft Handbook: Detection, Prevention, and Security . Chapter 20 “Preventing Identity Theft: 21 Rules You Must Use” Published by John Wiley & Sons, Inc. and reprinted with their permission. Copyright y copia; 2009 by John Wiley & Sons, Inc. All rights reserved.


“Nothing will guarantee that you will never become an identity theft victim. With the widespread availability of personal information and the increasing exposure from data breaches, the risk is ever-present. But there is much you can do to protect yourself, your family, and your business…Robust prevention activities can limit your chances of becoming a victim of identity theft.”


The following is a robust set of proactive and reactive rules to fraud-proof and protect your good name. The “21 Rules You Must Use” are the most important things you need to do now and on an ongoing basis to prevent identity theft.


1. Safeguard Your Social Security Number (SSN) Social Security Numbers are the entry point for identity theft. They are the key to your personal and financial information. For this reason, it is not recommended that SSNs be carried in wallets or purses. You should also not write on a piece of paper your SSN to later place it in your wallet or purse. Question anyone who asks to know your SSN. Other personal identifying information to safeguard includes passport, birth certificate, driver license, voter registration card, alien registration card, and other forms of identification.


2. Protect Your Other Personal Information The first step in protecting your information is to properly secure personal information such as SSN, credit card numbers, bank and brokerage accounts, retirement accounts, birth certificate, voter registration card, alien registration card, and others. The following are other steps to take to protect your personal information.


Do’s


Always limit to whom you give your date of birth, mother’s maiden name, or other confidential information.


Do not be afraid to question why someone needs your personal information.


Minimize the amount of information you carry with you.


Remove old deposits slips, blank checks, and other confidential information that you do not need to carry from your wallet or purse.


Cancel credit cards that you don’t need


Check your credit cards after each use to make sure that you have received your own credit card back after making purchases.


Always guard passwords and PINs.


Limit the information on your personal checks to your name and address.


If you do not have a locking mail box, consider having your new or additional checks for your checking account mailed to your bank for pickup.


Do not leave in your vehicle, especially in plain view, any items with personal information such as insurance cards, vehicle registration, wallets, purses, or laptops.


Remove from your vehicle or hide from view your garage door opener because the garage door opener and vehicle registration with your home address provides thieves with the tools needed to locate and easily enter your house while you are away.


Do not do any of the following:


Give your credit card number or other personal information to people who call you, no matter how legitimate or enticing the offer may sound.


Carry more than two credit cards at any one time.


Write your personal identification number (PIN) on your automated teller machine (ATM) card.


Keep account information or passwords recorded on your cell phone or personal digital assistant.


Provide your address or telephone number on credit card transaction slips; some states prohibit retailers from asking such information.


Write your Social Security Number (SSN) and telephone number on your checks.


3. Review Your Credit Reports The best way to learn if you are a victim of identity theft is by carefully reviewing your consumer credit report on an ongoing basis. This minimizes potential damage because identity theft is detected earlier. The Fair Credit Reporting Act allows consumers to obtain a free copy of their credit report once a year per credit reporting bureau. To continuously self-monitor your credit from the three major credit bureaus, Equifax (www. equifax. com ), Experian (www. experian. com ), and TransUnion (www. transunion. com ) order one report in January, a second one in May, and the third one in September. You should also review the credit reports of your under age children just in case their personal information has been compromised by identity thieves.


The only official site available for consumers to request free credit reports is www. annualcreditreport. com/cra/index. jsp. Other web sites offer a “free” credit report, but it is run by one of the credit bureaus. Consumers must purchase a credit monitoring service in order to receive the “free” credit report.


4. Buy a Good Shredder and Use It The shredder is the easiest, relatively inexpensive, and best method to protect yourself from dumpster diving. By shredding items such as preapproved credit card offers, convenience checks, bank statements, canceled checks, deposit slips, receipt for prescriptions, and correspondence that mentions confidential information such as SSNs and other information, you are preventing someone from obtaining, from your trash, your personal information.


The best shredder to use is the one that confetti cuts the items because it is virtually impossible to reassemble compared to items cut into strips.


When mail arrives it is recommended that you shred unwanted credit card offers and other documents as soon as you can. It is also recommended that you do this every day.


5. Reduce Your Exposure to Mail Theft Mail theft is a significant threat to your identity. To protect your mail from theft, it is recommended that you use a locking mailbox. If this cannot be obtained, consider using a Post Office box or a box at a private mail receiving agency, such as The UPS Store. Other measures to protect yourself from becoming a victim of mail theft include:


Retrieve mail as soon as possible after delivery to the mail receptacle. Do not leave mail in your mailbox overnight or on weekends.


Use collection boxes or letter slots at the Post Office to mail letters instead of leaving them in your residential box for carrier pickup. This is especially true for outgoing mail containing payment checks because they are prime targets for mail thieves who can alter the checks and negotiate them. Thieves steal outgoing and incoming mail to obtain bank account number, bank routing number, names, addresses, SSNs, and other information.


Always remember that the red flag up on rural boxes can alert would-be crooks that there is mail in the box. To mail thieves, the red flag in the up position screams “steal me.”


If your employer allows it, take your outgoing mail to work and place it with the company’s outgoing mail.


If your mail receptacle has a locking device, make sure it works. If it does not, install either a new lock or a new secure mailbox with a sturdy lock.


Notify your post office to issue a hold on your mail during vacation or business trips so that mail does not accumulate in your mailbox. You can now do this online at https://holdmail. usps. com/duns/HoldMail. jsp


Report any suspicious activity around your mail receptacle, your letter carrier, his or her vehicle, other residential mailboxes, and collection boxes to your local police department and the Postal Inspection Service. Postal Inspectors actively investigate mail theft complaints.


Report nonreceipt of valuable mail as soon as possible by calling the bank or financial institution, credit card issuers, and the Postal Inspection Service.


6. Practice Computer and Internet Safety The internet is your entrance to the marketplace for the world from the comfort of your home or office. When it comes to identity theft and fraud, there are safety concerns to address because organized identity theft groups constantly try to remotely load spyware, malware, Trojan horses, and botnets on victim computers. These programs transmit your keystrokes and other stored computer files to suspects. To protect yourself and your computer, do the following:


Ensure that your computer has adequate firewall protection and current operating system software. In addition to that, make sure that you install updated antivirus and antispyware software.


Enable password protection on your personal computer. Use a password to log on to your computer and a password to get back on after your screen saver goes on if you leave your computer on.


Encrypt your home wireless computer network. Fraudsters will drive around residential neighborhoods and businesses to locate unsecured wireless networks. For tips, guidance, and software that helps improve the security of computers and networks for individuals and businesses go to www. microsoft. com/security


Always use strong passwords to protect against unauthorized access. Do not use words, names, or phrases that can be easily connected to an individual. The longer the password, the better. It should be at least eight characters in length; 14 characters or more is best. Random letters, numbers, punctuation, and symbols that are not repeated are the strongest. If you would like to check the strength of your password, Microsoft offers an excellent password checker, simply go to www. microsoft. com/protect/yourself/password/checker/mspx and enter your password. Be sure to change your password on a regular basis.


Always be suspicious of unsolicited emails asking for personal or financial information. These are called phishing scams. Suspect emails requesting information will contain an internet hyperlink that directs the victim to suspect Web site containing fields for victims to enter their personal information.


Legitimate requests for personal information are generally not conducted by email, therefore do not respond to emails from financial institutions requiring an update of personal and banking information. When you receive one of these emails, contact your bank, credit card agency, or other financial institution to verify that this information is needed. If they do, provide it via phone or in person not via email.


Do not use public computers in libraries, hotels, coffee shops, or other public venue for online financial transactions. Public computers may be infected with spyware and viruses that may subject you and your personal information to fraud and misuse.


Never open unknown attachments or download questionable software. Never open attachments or download any software from sites that you are not 100% certain of. The same goes for pop-ups. Criminals may offer you free music, antivirus protection, or other applications. If you fall for it and download this, spyware may be installed on your computer.


Never use your credit or debit card at any Web site unless it offers a secure transaction.


Although secure or encrypted transactions have an icon of a miniature lock that appears on the Web browser, highly skilled scammers can replicate the miniature lock on sites, giving the false impression of a secure site. For this reason, in addition to the miniature lock image, look at the URL address of the Web page, it should change from “http” to “https”. This indicates that the website is a secure site for you to input your personal information.


Deal only with reputable online merchants, and always use your credit card in case of fraud. By using your credit card rather than a debit card or check, you are covered for fraud losses, should they occur. Federal law limits consumer losses to a maximum of $50, but credit card companies rarely enforce this.


If you are in doubt, click off any suspicious Web site.


7. Be Cautious at ATMs Identity thieves have been known to place skimming devices over ATM slots to steal card account information. To protect your PIN number and other information, do the following:


Look for suspicious devices on the front of the ATM. Check for exposed wires, tape, or loose connections. Look for hidden cameras on the sides of the ATM that criminals use to records ATM passwords.


Do not use the ATM machine if the ATM card slot, keypad, or any part of the ATM does not look right or if you can move or remove them. Alert the bank representatives instead.


Be aware of people who may have too much interest in your ATM transaction. They may be shoulder surfers attempting to look over your shoulder to see your account balance or PIN. Use one hand as a shield to cover your other hand as you enter your PIN.


Be extra careful when using ATMs with an unfamiliar brand name and suspicious looking card readers. If in doubt about using a particular ATM, go to another one.


Do not leave your receipts at the ATM. These receipts often have the last four digits of your account and list your balance. The same goes for receipts at stores or gasoline stations. Why leave any amount of information for others to see? Take them with you and shred them when no longer needed.


8. Opt Out of Sharing Your Information In this information age, information about you is frequently shared with multiple business partners for product offerings, services, and promotions. You have the choice regarding how much information you want to share with marketing firms, companies, and certain government agencies. To help you “opt out” of information sharing related to credit bureaus, various state departments of motor vehicles, and direct marketers, the FTC created a one-page information site that provides detailed information and links. The URL address is www. ftc. gov/privacy/protect. shtm. At this site, the FTC provided a sample opt-out form letter.


To opt-out of direct mail marketing send a letter to: Direct Marketing Association Mail Preference Service PO Box 9008 Farmingdale, NY 11735-9008


Further information about opting out of direct mail marketing can be found at https://www. dmachoice. org/static/learn_more. php


To opt-out of telemarketing calls send a letter to: Direct Marketing Association Telephone Preference Service PO Box 9014 Farmingdale, NY 11735-9014


Further information about opting out of telephone marketing can be found at www. donotcall. gov/ .


To opt-out of receiving preapproved credit offers, call 1-888-5OPTOUT (1-888-567-8688). This one call covers all three credit bureaus. As an alternative, you can mail a letter to each credit bureau requesting that it not share personal information with others for promotional reasons. A sample opt-out letter can be found at www. ftc. gov/privacy/cred-ltr. htm. The mailing addresses for the three credit bureaus to request an opt-out are:


Equifax, Inc. PO Box 740123 Atlanta, GA 30374-0123


Experian Consumer Opt-Out 701 Experian Parkway Allen, TX 75013


Trans Union Name Removal Option PO Box 97328 Jackson, MS 39288-7328


9. Keep a Credit Inventory In case of loss or theft, prepare an inventory of everything you carry in your wallet or purse by doing the following:


Write down or photocopy the account numbers of credit cards, expiration dates, credit card verification numbers, the names of the issuers, and the 800 contact telephone number to call to cancel your existing accounts.


The credit card verification number on an American Express card is the four-digit number imprinted on the upper right side of the front of the card.


For MasterCard, Visa, and Diners Club, it is the last three numbers on the signature panel on the back of the card.


Do not keep this inventory in your wallet or purse. Keep it in a secure place in your residence.


Photocopy the fronts and backs of your credit cards as well as all other identification documents.


Keep a detailed list of all your bank and brokerage account numbers and numbers to call if you suspect they have been used fraudulently.


Back up your personal digital assistants (PDA); do not keep any personal or financial information on them. If you do, be sure to have them password protected.


10. Review Your Financial Statements Each Month To check that you have not become a victim of identity theft, it is important to do the following:


Thoroughly review and reconcile all the charges on each of your credit card accounts and other financial statements each month. Reconciling your accounts also enables you to find out whether you have been double charged or detect other mistakes that need to be corrected.


Cancel credit card accounts that you do not use or need. Bear in mind though that doing this may affect your credit score, especially if the card is one that you have had for many years.


Guard your checkbook. Report any lost or stolen checks to your bank or financial institution immediately.


Take a few minutes to review your canceled checks when they are returned with your monthly statement. Look to see if the payee name or amount paid was changed. Properly store or dispose canceled checks.


If you have had your checking or bank accounts compromised, contact the check guarantee company TeleCheck at 1-800-366-2425. Your account will be flagged so that counterfeit checks will be refused.


Know the billing cycles for your credit cards so that you know when to expect credit card, bank, and brokerage statements in the mail. Industrious fraudsters may “cherrypick” your mailbox after the mail carrier delivers your mail but before you pick it up. The indication will be that you did not receive the mail. This is more common with rural mailboxes or house letter boxes that do not have locking mechanisms. Identity thieves have been known to submit change-of-address orders to the Postal Service in order to obtain the mail of potential victims. The diverted mail is received at a location controlled by the scammer.


11. Destroy Your Old PC’s Hard Drive Before Discarding When discarding an old desktop or laptop, it is important to remove the hard drive or drives, if your computer has more than one, and physically destroy it. Drill holes through it or smash it with a hammer into little pieces. The same goes for PDAs, cell phones, flash drives, and other portable digital devices that you are discarding. It is not enough to wipe clean the hard drive because deleting a file does not completely erase it. Although the file is not visible in the directory, the data is still on the drive. Computer forensic experts have been able to recover information even on wiped drives. Identity thieves have been known to purchase used computers just for this purpose.


12. Be Careful with Product Warranty Cards Be careful of the information that you provide on product warranty cards that come with appliances or other type of home electronics that instruct you to complete it, send it via mail or email to the manufacturer. Often product warranty cards are postcards that, if returned, could potentially expose your information to anyone processing the card.


In most cases, these warranty cards are entered into marketing databases. The information gathered is sold by the manufacturer to various marketing firms. For the product warranty to be in effect, it is not necessary to submit the product warranty card because most manufacturers provide limited warranties on their products. Unless it is absolutely necessary, do not return any warranty card.


13. Review Your Social Security Earnings and Benefits Statements Carefully review your Social Security Earnings and Benefits Statements for accuracy as well as indications that someone else may be using your SSN. These U. S. government forms are usually mailed out approximately three months prior to one’s birthday.


If you suspect fraud involving your SSN earnings and benefits statements, contact the Social Security Administration’s Fraud Hotline at 800-269-0271. The Social Security Administration advises that you will not automatically receive a Social Security Statement if:


You are under age 25, or


You are already receiving Social Security benefits, or


A current mailing address is not on file, or


Your are age 62 or older and receiving Social Security benefits on someone else’s record, or


You are a Medicare beneficiary, or


You requested a statement within the past 11 months.


14. Use Privacy Screens Buy and use a privacy screen on your laptop when traveling, at coffee shops, and at other public spots. These screens ensure the privacy of your on-screen data by making it visible only to someone directly in front of the screen. Such screens can keep prying eyes off your personal documents especially when you are traveling in cramped spaces, such as on airplanes. Although privacy screens are very effective in limiting what others can see, it is always good to be vigilant. You may not want to work on an extremely sensitive document on an airplane or in a public place even if you have a privacy screen.


15. If It Sounds Too Good To Be True, It Is Do not fall for scam artists trickery that often use the mail, internet, and telephone for misrepresentation and deception. These fraudsters are trying to sell you the “sizzle but not the steak” and are intent on defrauding you.


Do not respond to emails soliciting advance-fee business arrangements. These solicitations ask recipients to provide bank account information in order to transfer a large sum of money. Recipients supposedly will be paid a percentage of the money as an administrative fee.


Do not respond to emails soliciting overseas reshipment arrangements. These solicitations also ask recipients to act as an import/export business and reship product (usually electronics) overseas. These products are usually fraudulently purchased and may involve credit card fraud and identity theft.


Do not respond to email solicitations where you will receive financial instruments, such as checks and money orders that you have to deposit in your bank account. In such cases, you are asked to send a portion back to the solicitor but are allowed to keep a percentage of the total funds as an administrative fee. The financial instruments are counterfeit.


Always be careful to whom you give your credit card number or other information, whether over the telephone or via the internet. If in doubt, do not give your number. No matter how fraudsters reach out to you, it is always wise to remember that if something sounds too good to be true, it usually is.


16. Watch Out for Skimming Criminals involved in identity theft will retrieve the data stored on your credit card by swiping your card on a credit card skimming device. These devices are small enough that they can be secreted in a subject’s pocket. The data is then downloaded to a computer and used for identity theft.


If you can, try to keep a restaurant server in sight or pay at the register. If in doubt, pay cash and avoid the use of cards. Wireless technology that will allow diners to swipe their cards in a handheld device at their table is slowly making its way to restaurants. This innovation will limit the opportunity for skimming.


17. Prevent Data Breaches To prevent and reduce data breaches follow these safeguards:


Limit the amount of sensitive data such as personally identifiable information (PII) stored on employee laptops.


Implement company policies around data storage, data breaches, laptop security, and use of encryption.


Install and require the use of encryption software on laptops that contain sensitive data.


Educate employees about the benefit of encryption and hold them accountable if they fail to use it.


If existing computers cannot enable encryption due to age or other limitations, replace them with newer ones that can.


Require employees to certify that they have encryption installed, are trained in its use, are using it, and understand the consequences for noncompliance.


Consider disabling USB ports and the use of portable digital devices as appropriate.


Use secure Internet locations at all times when traveling.


Do not use computers or digital copiers in hotel office centers.


Consider using biometric authentication, such as fingerprint scans, in order to log on.


Turn off computers when leaving the office at the end of the day.


Although the use of cable locks to secure laptops is better than using nothing, it is better to lock the computer in a desk or cabinet.


Secure peripherals such as backup drives, flash drives, and other storage sites used for data.


Do not leave laptops in a hotel room when traveling. Lock them in the room safe or the hotel safe if possible. At last resort, place them in locked luggage. The vulnerability of laptops to theft is but one more reason for encryption.


18. Place Fraud Alerts Fraud alerts are notifications placed on credit reports to alert creditors that a person’s personal and financial information may have been compromised. This allows creditors to personally contact the registrant and verify all credit applications prior to approval. Credit bureaus have made it easier to place fraud alerts on a consumer’s credit file but have no way to enforce action on a fraud alert request. These are two types of fraud alerts:


Initial fraud alert – stays in effect for at least 90 days and is used when there is a suspicion of account compromise and identity theft, such as responding to a phishing scheme. Consumers are entitled to one free credit report from each of the three major credit reporting agencies after requesting an initial fraud alert.


Extended fraud alert – stays in effect for seven years and is used after confirmation of identity theft victimization. To be eligible for extended fraud alerts, consumers must provide credit reporting agencies with a copy of an identity theft report filed with a local, state, or federal law enforcement agency. Consumers are entitled to one free credit report from each of the three major credit reporting agencies after requesting an extended fraud alert.


19. Use Credit Freezes Credit freezes blocks your credit from potential misuse and identity theft because credit freezes block a prospective credit card issuer or lender from issuing new credit in a person’s name without obtaining specific approval from that person. A credit freeze prevents credit bureaus from issuing your credit score. Without that information, few if any lenders will issue credit. It effectively blocks the issuance of instant credit, as is often seen when stores offer big discounts on purchases if a new credit card is opened at the same time.


20. Stay Informed The best way to prevent identity theft is to stay informed about the problem. To help individuals and businesses stay informed, the Federal Trade Commission (FTC) created a brochure entitled: Deter Detect Defend: Avoid ID Theft. The brochure contains helpful tips, telephone numbers, web sites, and steps to take to prevent identity theft. That information can also be found at www. ftc. gov/idtheft .


21. If you Become a Victim If you learn that you have become a victim of identity theft, do the following:


Immediately contact the fraud departments of the three major credit bureaus (Equifax, Experian, and Trans Union) to let them know about your situation.


Request these companies to place a fraud alert in your file as well as a credit freeze. For more information see step 18 Place Fraud Alerts.


Order copies of your credit report from the three credit bureaus to determine the extent of your victimization.


Thoroughly review your report for fraudulent activity. Look for accounts opened and listed “inquiries.” The listed inquiry gives you an indication that there are opened or about to be opened accounts.


Contact those affected accounts for reporting. To protect yourself from fraud, close those accounts.


Contact your credit card companies and financial institutions to let them know about your situation. Order new cards and account numbers.


Several months later, request another credit report to confirm that the credit bureaus made the necessary corrections by removing the fraudulent accounts. This will also allow you to check if there is any other suspicious activity.


Report the crime to the local police. This will establish the criminal activity and the facts. It is important that you obtain a copy of the report from the police because the credit bureaus, credit card companies, and other financial institutions will ask for a copy.


Make a report to the federal law enforcement agencies focused on identity theft crimes such as the U. S. Postal Inspection Service and the U. S. Secret Service.


File an identity theft complaint with the Federal Trade Commission (FTC) at https://www. ftccomplaintassistant. gov/. Although the FTC does not conduct criminal investigations, it provides detailed information and assistance to victims to resolve financial and other problems resulting from victimization.


Take identity theft seriously, it is not enough to report the fraud by telephone because the representative of the financial institutions that you contacted may move from job to job, or some other situation may happen.


It is important to document the events in writing and to create a paper trail that you can refer to if necessary.


Do not assume that your job is done once you report the occurrence to law enforcement, your banks, credit card companies, and the major credit bureaus. You must continuously follow up, possibly for years, to ensure that your identity is not still being fraudulently used. It is your responsibility to monitor your accounts and history.


Top of Page


The Crime of Identity Theft


As the world becomes increasingly digitized, more people are using the personal information of others to commit crimes such as identity theft. Identity theft is a crime that occurs when someone uses a victim’s personal information to pose as the victim in order to obtain goods, services, or anything else of value.


The Federal Trade Commission reports that in 2009 approximately 13.9 million Americans had their identities stolen. The amount of money lost to identity theft measures in the billions of dollars every year, and about one out of every 20 consumers will have their identities stolen this year. Identity theft even extends beyond the grave, as some thieves take the identities of deceased victims.


Identity theft, though very common, is a relatively new crime. In the past, states categorized this type of behavior as false impersonation, forgery, theft by deception, or by other crimes. Today, some states still use these laws to punish identity theft crimes, while other states have enacted specific identity theft laws that target this type of behavior.


Identity Theft Crimes


Identity thieves target specific forms of personal identity. They use sensitive personal information, such as your Social Security Number, bank account numbers, email passwords, and credit card numbers to their own benefit.


For example, a common scam might involve phoning you and claiming to be a representative of your bank. The caller asks you to “confirm” your bank account details by providing your social security number, date of birth, and other important details. A week after providing this information, you learn that someone has emptied your account of all its money. A couple of months later you also find out that someone used your information to obtain credit cards under your name. You now have no money in the bank and owe $10,000 on credit cards you never applied for. You are the victim of identity theft.


Criminal Behavior


State identity theft laws cover a wide range of behaviors. At their heart, these crimes all involve someone using your personal information without your consent for their own purposes or gain. Identity theft can occur when:


Someone working for your bank accesses your account information and sells it to a buyer.


A stranger sees you drop your credit card and decides to pick it up and use it to buy something.


Someone sends you an email posing as the IRS, ordering you to submit your personal information or be audited.


Someone uses a computer to access your email account, find personal information in your emails, and use that information to open a cell phone account.


Your local garbage collector finds some of your personal documents in the trash and uses the information to obtain a credit card.


Personal Identifying Information


One key piece to identity theft crimes is the use of specific kinds of information, commonly known as personal identifying information. Though state definitions differ slightly, personal identifying information includes your name, date of birth, credit card numbers, SSN, financial records, credit report data, state identification or driver’s license numbers, telephone numbers, addresses, names of relatives, photographs, or anything else that you can use to identify yourself.


Fraudulent Intent


You can commit identity fraud even if you never actually benefit from your actions. Identity theft occurs when you obtain, possess, or use someone else’s information with the intent to later fraudulently use that information to your benefit.


For example, let’s say you are a waiter and a customer gives you a credit card to pay the bill. If you write down the credit card numbers with the intent to later use them to purchase something for yourself, you have committed identity theft even if you never actually buy anything.


Penalties


Like all criminal laws, identity theft laws differ from state to state, and there are also federal identity theft laws that have their own penalties. Being convicted of an identity theft crime can lead to one or more of the following penalties:


Incarceration. A conviction for an identity theft crime can result in a significant incarceration sentence. In general, a conviction for misdemeanor offense can lead to up to a year in jail, while felony sentences can result in several years or more in prison.


Fines. It’s common for courts to order someone convicted of identity theft pay a fine. Misdemeanor fines can sometimes reach in excess of $1,000, while felony fines can easily exceed $5,000.


Restitution. If the identity theft results in a victim losing money or suffering financial harm, courts will also typically order restitution. Restitution is designed to compensate the victim for his or her loss, while fines are designed to penalize the perpetrator. Restitution awards vary, depending on the circumstances of each case.


Probation. For first-time offenders of identity theft crimes that do not result in significant harm, it’s possible a court might impose a probation sentence in addition to, or separate from, other penalties. Probation usually lasts at least a year, but sentences of three or more years are also common. People on probation have to comply with specific court imposed restrictions, such as reporting to a probation officer, paying all restitution and fines, and not committing other crimes.


Legal Advice


Being charged with an identity theft crime is a very serious situation. Depending on your circumstances, being convicted of identity theft can lead to large fines and years or more in prison. Talking to a local criminal defense attorney as soon as you learn that you are being investigated for, or charged with, an identity theft crime is essential to protecting your rights throughout the criminal justice process. An area lawyer who has experience with identity theft cases and who has represented clients in local courts is the only person capable of giving you legal advice about your case.


Identity Theft Laws by State


Follow the links below to find information in your state regarding identity theft laws.


Common menu bar links


(Movie reel moving)


Identity theft doesn't just happen in the movies…


(Map of Canada and clock)


It affects millions of people each year and can just as easily happen to you.


(Blinking eye, pictures of wallet, credit card and check book)


In a blink of an eye your personal information can become, well, not so personal.


(Hands holding binocular and sign falls in from top saying "Not so Personal")


(Robber walking in with a flashlight toward a computer screen with personal information)


(Police line tape and person looking sad)


Identity thieves steal your credit and good name to commit crimes that can ruin the rest of your life…


(Id tags drop in with a picture of a file folder, check book, credit card, and shopping cart)


With your identity, they can easily open new bank accounts, obtain credit cards and loans for major purchases or binge shopping.


(Canada flag flapping, picture of passport, and person standing in front of a hospital looking sad)


They can even use your identity to get passports and government support!


(Credit card, passport, and check book fly in. Safe appears over top of the items then they are moved into the safe)


Keep your personal information from falling into the wrong hands.


(Computer screen with Sin, date of birth and credit card numbers on it that are Xs only. Zoom out to see a person sitting on a computer, and a robber sitting in front on another computer)


Carry the least possible ID with you and never give out personal information unless you know who you're giving it to and why.


(Map of Canada with people popping up all over it. A button appears with the words "Take Charge")


Identity theft is on the rise and can easily happen to anyone… So take charge… Don't let it ruin your life.


(© HER MAJESTY THE QUEEN IN RIGHT OF CANADA as represented by the Royal Canadian Mounted Police)


(RCMP wordmark with the web site address rcmp. ca)


View a high resolution version of the video on the RCMP YouTube channel


Recognize it


What is Identity Theft?


Identity theft refers to the preparatory stage of acquiring and collecting someone else's personal information for criminal purposes. As of January 8, 2010. Senate Bill S-4 became law, making it illegal to possess another person's identity information for criminal purposes.


What is Identity Fraud?


Identity fraud is the actual deceptive use of the identity information of another person (living or dead) in connection with various frauds (including for example personating another person and the misuse of debit card or credit card data).


Facts


Identity theft techniques can range from unsophisticated, such as dumpster diving and mail theft, to more elaborate schemes.


Technology, mainly the Internet, facilitates more elaborate schemes, such as skimming, phishing, and hacking as criminals gather profiles of potential victims. Computer spywares and viruses, designed to help thieves acquire personal information, are an emerging trend.


Victims of identity theft or fraud can experience financial loss and difficulty obtaining credit or restoring their "good name".


The Canadian Anti-Fraud Centre (CAFC) maintains statistics on the complaints they receive.


In 2009, the CACF received identity fraud reports from 11,095 Canadian victims, totaling a loss of more than 10 million dollars. This represents an increase of more than 1 million dollars of what was reported in 2008. Payment card fraud was the most commonly reported incident, and yet, many instances of identity theft and fraud go unreported.


Information sought


Identity thieves are looking for the following information:


nombre completo


fecha de nacimiento


Social Insurance Numbers


full address


Nombre de soltera de la madre


username and password for online services


driver's license number


personal identification numbers (PIN)


credit card information (numbers, expiry dates and the last three digits printed on the signature panel)


bank account numbers


firma


número de pasaporte


The new legislation on identity theft provides a complete list of identity documents.


The new section 402.1 of the Criminal Code lists the definition and examples of identity information.


What your information could be used for


Criminals can use your stolen or reproduced personal or financial information to:


access your bank accounts


open new bank accounts


transfer bank balances


apply for loans, credit cards and other goods and services


make purchases


hide their criminal activities


obtain passports or receive government benefits


Using identity theft to facilitate organized criminal and terrorist activities also appears to be a growing trend.


How can you find out if your identity was stolen


The best way to find out is to monitor your hard copy or on-line financial accounts frequently and to check your credit report regularly for any unusual activities. If you receive calls from collection agencies about unfamiliar accounts, or if you applied for credit and were unexpectedly turned down, you should investigate further.


Report it


If you suspect or know that you are a victim of identity theft or fraud, or if you unwittingly provided personal information or financial information:


Step 1 - Contact your local police force and file a report.


Step 2 - Contact your bank/financial institution and credit card company


Step 3 - Contact the two national credit bureaus and place a fraud alert on your credit reports.


Equifax Canada Toll free: 1-800-465-7166


TransUnion Canada Toll free: 1-877-525-3823


Step 4 - Always report identity theft and fraud. Contact the Canadian Anti-Fraud Centre


Stop it


Prevention is the best way to deal with this crime:


Identity theft can occur over the Internet or telephone, or via fax or regular mail. Therefore, be particularly wary of unsolicited e-mails, telephone calls or mail attempting to extract personal or financial information from you.


Ask yourself if you really need all of the identity documents you carry in your wallet or purse. Remove any you don't need and keep them in a secure place instead.


Periodically check your credit reports, bank and credit card statements and report any irregularities promptly to the relevant financial institution and to the credit bureaus.


During transactions, it's safer to swipe your cards yourself than it is to allow a cashier to do it for you. If you must hand over your card, never lose sight of it.


Always shield your personal identification number when using an ATM or a PIN pad.


Memorize all personal identification numbers for payment cards and telephone calling cards. Never write them on the cards.


Familiarize yourself with billing cycles for your credit and debit cards.


Trash bins are a goldmine for identity thieves. Make sure you shred personal and financial documents before putting them in the garbage.


When you change your address, make sure you notify the post office and all relevant financial institutions (your bank and credit card companies).


Date Modified: 2017-12-04


Fraud and Identity Theft Protection: The Best Payment Options to Keep Your Identity Safe


You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here's how we make money .


Checks, debit cards and credit cards all make you vulnerable to fraud and identity theft. This is because so much of your personal identifying information is connected to these “virtual” forms of payment. The only way to truly protect yourself from identity theft and fraud with monetary transactions is to always pay in cash.


As cash may not always be a viable or convenient option, knowing how each form of payment can make you vulnerable—and the measures you can take to strengthen your security—is important to protecting your identity, and your bank account.


Personal Checks


Checks are one of the oldest surrogates for minted money, and checks have been used in some form since banking systems began to evolve in ancient societies. They’ve come a long way since their inception—modern checks have many security features to make them more secure and reliable. However, checks do still carry inherent flaws that make them vulnerable to identity theft and fraud. One huge drawback of checks is that they usually have your name, address, account and routing numbers printed clearly on them. Many scams involving checks result from either “washing” the check, where chemicals are used to dissolve the ink on a check, or recording account information. Check washing isn’t as easy as it used to be because of hidden security features within checks; however, it is recommended to always use black ink with checks as well as a gel based ink, both of these measures combined will make check washing more difficult.


Because of the personal information printed on a check, a certain amount of trust goes into paying with one. Always know the person or business you are giving a check to. Never write a check to an individual you don’t know, such as in a person-to-person transaction arranged on Craigslist. Once your account number becomes available to an identity thief, it can be used for a variety of nefarious practices.


Credit and Debit Cards


Many people may believe that using a debit card or credit card is a secure way to make purchases, because the card never leaves your possession, and because more sophisticated technology is involved. This is simply not the case. Just as with a check, it is important to know whom you are giving your credit card information to, and that the systems being used to take your information are safe. One common scam is to attach “skimmers” to card machines to record card information and even keystrokes used afterwards—like your pin number or the zip code associated with the account. Look for any odd or extra attachments to credit and debit card machines, and do not use them if they look like they may have been tampered with.


This can become a problem when you’re paying for something at a restaurant, because your card usually goes out of your sight, meaning it’s easy for someone write down the card number, expiration date, and the security code on the back. The card can then be used for making payments online where a physical card is not needed—however, usually other information, like your billing address, will be required to validate the card.


Online Payment Platforms


Hacking websites in order to collect and disseminate the personal information stored on them has become both a grave concern and a common occurrence. When it comes to online payment, encryption and reputation are vital. At the bottom of any website requesting payment information from you, there should be a seal that says “TRUSTe,” or another seal from a reputable online system. What the seal means is that the site has been accepted and verified by a third party and complies with Federal Trade Commission regulations regarding privacy and security. PayPal is a good option when paying online, because they store your information in an encrypted data bank, meaning you will not have to provide your card or bank information to other sites that don’t use encryption techniques. Once your private data is saved in PayPal’s secure system, you can use your PayPal account to pay at a number of websites, so you don’t have to directly provide them with your raw data.


NerdWallet’s Recommendations


When you do pay with a check, think twice before sending it in the mail. Identity thieves can and do go through mail, looking out for envelopes addressed to places you’re likely to send a check (such as the electric company), and then steal the check inside. Consider getting a money order or cashier’s check. These options are the same as cash and don’t contain any of your personal information. They can still get stolen, but it will be a one-time loss, rather than the ongoing severe losses that can come from identity theft. Utility bills can also usually be paid online using secure servers.


Never have a site store your personal information and credit card number, no matter how convenient it is. Many companies—even ones you know well—don’t always encrypt the information and are vulnerable to hacks. When paying on a site, always look for “https” at the beginning of a web address. The “s” means that the information is being sent over a secure server and has added protection for your personal information.


Always check bank statements for irregularities and report them to your bank immediately. This is the first and main source of detecting fraud or identity theft. Many states have different durations of time that you can report a fraudulent transaction from your account under the Uniform Commercial Code, and can even be as short as 30 days after you receive your statement. If you notice a fraudulent transaction, report it to your bank and then take the steps laid out in our earlier post .


Expert Recommendations:


William Tran, Field Marketing Manager of Secure Transactions for Gemalto North America, had this analysis of evolving payment methods:


“Both consumers and financial institutions are motivated to migrate toward digital payment methods because the infrastructures being employed to make digital transactions possible are based on greater convenience and security—something we can all get behind. The digital shift in payment methods makes sense if you consider the information exchanged when paying by check: consumers essentially hand over a small piece of paper that contains key pieces of information about them, including financial information like a checking account and routing number, maybe an address and phone number, with no control of what happens to that check after it exchanges hands. This makes checks a hotbed for criminal activity and increased instances for check fraud or identity theft. Plus, we can all probably agree that writing a check is a miserable way to pay. On top of that, checks are not universally accepted – try writing a personal check to pay for a subway ticket in Paris.”


Nikki Junker, social media manager of the Identity Theft Resource Center. warned online shoppers to be aware of security issues:


“Online shopping can lead to many types of scams. We recommend that people buy from companies that have a good reputation and they trust. If in doubt, consumers can check the company out with the Better Business Bureau online. It is also important to remember that if something seems too good to be true than it probably is. Once online shoppers have made a purchase it may be impossible to get their money back, so they should make sure they are not being scammed before they make the purchase. They should also be sure to use a credit card that is not attached to an ATM or Debit card.”


James Munton. author of “The Con: How Scams Work and How to Protect Yourself,” had this advice:


“PayPal is a reputable payment processor. Unfortunately, con artists often use the PayPal name to try and lure people into responding to phishing emails. Always go directly to the PayPal site to complete transactions; do not click on links in emails, even if they look legitimate. Be wary of online payment sites that you have never heard of. Most legitimate sellers who use third party sites will accept PayPal payments.”


Identity Theft Protection


Learn to Protect Your Identity Today.


Identity theft is skyrocketing in the United States; the FTC (Federal Trade Commission) reported that there were as many as 9 million American identity thefts each year, and this figure includes 400,000 children. Unfortunately, identity crime is still growing, and many identity theft cases aren't even realized for over 4 years, after the damage has been done.


How Do Identity Theft Protection Services Protect You?


Identity thieves are getting smarter. However, with constant monitoring of your credit and a proactive watch for suspicious activity, you can protect yourself from identity theft damages that can cost thousands of dollars and years to repair. Identity theft services work to monitor your credit and scan the Internet black markets for sales of your credit card information and other private documents. Different online theft protection services offer different levels of monitoring, so be sure to check out our reviews to see what each service has to offer.


What most identity theft companies do:


1. Fraud Alerts 2. Credit Card List, Offer List, and Junk Mail List Removal 3. Credit Reports and Monitoring 4. Database Monitoring 5. Guarantee in Restoring your Identity if Stolen 6. Identity Theft Insurance 7. Credit Card Monitoring 8. Lost Wallet Protection 9. Medical Identity Theft


What do identity protection services protect you from?


Identity thieves often try to open new accounts and take out loans under your name. This can severely hurt your credit, and this may result in loan rejections, and loss of employment. ID theft protection services help to prevent:


1. Unauthorized New Bank Accounts Opened Under Your Name 2. New Applications for Credit 3. Address Changes 4. Public Record Changes 5. Negative Marks On Your Credit


Which credit protection service should you choose?


We believe that each identity theft protection service has its own strengths and weaknesses. Some services offer features that others can’t. Some services offer better family plans, and some offer better individual plans. We’ve reviewed and compared each service for you on this website. We do make recommendations, however you still must check to make sure those features are what you are looking for.


Return to Comparison Chart


Is identity-theft insurance a waste of money?


Consumers these days are more worried about fending off hackers than pickpockets. Companies are capitalizing on these fears by pitching the digital-age equivalent of a can of Mace: ID theft insurance.


But before buying such protection, experts warn consumers should find out what the particular policy covers, experts say: When you wreck your car or set your house on fire, auto and homeowners insurance cover the repairs. When a fraudster drains your bank account, identity-theft insurance doesn’t replenish it — your bank’s zero-liability policies should take care of that. Nor can some variations of the product, advertised as crediting monitoring and protection services, actually insulate you from a hack.


More than 2 million electronic records have been breached since January, and some 864 million have been since 2005, according to the nonprofit Privacy Rights Clearinghouse, which keeps an online tally. Cyber attacks are a problem for everyone, from big-box retailers like Target TGT, -0.37% to government offices such as the California Department of Motor Vehicles and the Malibu wine shop that reported unauthorized access to customers’ credit card information last week.


Experts say consumers searching for protection may find ID-theft insurance falls way short. The insurance, which is commonly tacked onto existing home, auto and travelers policies, costs between $25 and $60 annually, according to the National Association of Insurance Commissioners. That figure increases if you purchase it separately.


Such policies cover expenses people might accrue while repairing their credit record, like the cost of postage, phone calls, lost wages (if you need time off work) and legal bills. But the chances of facing out-of-pockets costs are slim: 80% of the 12.6 million victims in 2012 didn’t incur any, according to a Javelin Strategy & Research survey.


Some policies also connect victims with a case manager to help them clean up the mess. In the vast majority of identity theft cases, though, that process means a simple call to the bank. For 85% of victims in 2012, the identity theft they experienced involved misuse of an existing credit card or bank account. It took more than half of victims a day or less to resolve problems, according to the Bureau of Justice Statistics.


In some ways, buying ID-theft insurance is like hiring a wedding planner. You can pay someone to call florists and caterers, and in this case, contact your bank to cancel a card, or you can do it yourself.


Is Amazon Prime worth $99 a year?


Amazon announced a price increase for its Amazon Prime service, lifting the annual fee to $99 from $79. MarketWatch’s Catey Hill discusses how to know if the rate increase is worth it for you.


“People shouldn’t be mesmerized by the insurance that may be provided. It’s more important to look at how the service actually works and what it does for you,” says Susan Grant, director of consumer protection at the Consumer Federation of America. “Are you looking for somebody, for instance, who’s going to do everything for you if you have a problem, or are you confident that if somebody gives you advice, you’d just be able to do it yourself?”


There are a number of protections people can get for free. For instance, credit experts recommend consumers set up custom alerts with their banks and credit card companies to receive emails or texts for transactions. People should also review their online statements daily and check their credit reports from each of the three bureaus, Equifax, Experian and TransUnion, once every 12 months. And consumers can put a “security freeze” on their account with the credit bureaus for a small fee (usually less than $10), which can help prevent a fraudster from opening a new line of credit in your name. Or people can sign up for free fraud alerts, which require businesses to take extra steps to verify your identity before opening new accounts or increasing a credit limit.


And there are other free resources available as well. The Identity Theft Resource Center offers a free ID theft victim hotline. Eva Velasquez, president and CEO of the San Diego-based nonprofit, says consumers should check their homeowners insurance policies because ID theft insurance may already be included and take advantage of resources that are free. Banks and credit card companies already watch accounts for fraud, and paying for another monitoring service doesn’t guarantee security.


“How much more are those analytics going to be catching? I really don’t know and I’m not sure that as a consumer you could really gauge that,” she says.


These companies likely make “obscene profits” on ID theft policies, which are “based on your irrational fears,” says University of Pennsylvania professor Tom Baker, co-authored a paper called “Do You Want Insurance With That? Protecting Consumers From Add-On Insurance Products” at the Connecticut Insurance Law Journal in January 2017.


“From an economic theory concept, people shouldn’t be buying any kind of peace of mind insurance,” he says. “We think about the consequences of identity theft. They’re very upsetting, but they’re not expensive.”


Insurers say the products are helpful to consumers. Nationwide’s ID theft insurance, which homeowner’s policyholders can purchase as a $45 rider, covers up to $25,000 in recovery expenses from identity fraud. Experts on their hotline walk victims through the steps they take to correct their records.“The resolution specialist is really helpful. They will give them a step-by-step instruction,” said Deidre Abbitt, the company’s identity theft product manager.


As for credit-monitoring services, they do just what their name implies. They monitor your credit to warn you if a scammer tries to open an account in your name. What they can’t do, experts say, is stop that from happening.


LifeLock, a credit monitoring company, agreed to pay the Federal Trade Commission $12 million in fines for deceptive claims that it could always prevent identity theft. The commission also found that LifeLock wasn’t adequately protecting its own customers’ data.


Another provider, Identity Guard, offers credit-monitoring and alert packages that cost from $120 to $300 annually. Its services include scanning the black market and public records for your information and software that encrypts your keystrokes.


“For a lot of people, it’s just piece of mind. I have life insurance. I hope I never need it, but I’m going to have it,” says Steve Schwartz, president of Identity Guard, referring to headlines about the U. S. surveillance activities and big data breaches at retailers like Target and Neiman Marcus. “We don’t tell people that everybody needs to have this service.”


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Identity Theft Protection Plans


Help monitor your credit


Choose the plan that’s right for you


Wells Fargo’s optional Identity Theft Protection plans can help you monitor your credit and provide a daily check for inaccuracies that could indicate identity theft. They can alert you to suspicious changes to your credit, such as unauthorized credit account openings. When you purchase a Wells Fargo Identity Theft Protection plan, you’ll be able to:


Benefit from daily monitoring of your information from all three major Credit Bureaus .


Stay on top of your credit by receiving convenient updates and alerts when certain changes occur .


Save time navigating the process with help from Fraud Resolution Representatives if identity theft happens .


Access information to help you reduce potential losses by finding out early if identity theft takes place.


Compare Identity Theft Protection plans


Help monitor your credit profile with an optional Identity Theft Protection plan. You'll get access to the tools and support you need such as daily monitoring of your Triple-Bureau (Experian, Equifax and TransUnion) credit activity, timely alerts when certain changes appear in your Credit Report(s), and resources to help you recover from identity theft.


Compare Identity Theft Protection plans available from Wells Fargo and choose the one that works for you.


Quick Comparison


Product Benefits and Features


With Wells Fargo Identity Theft Protection, when you purchase your plan online, you can:


Get online access to your Credit Report(s) and PLUS Score(s) .


Daily monitoring of your Triple-Bureau (Experian, Equifax, and TransUnion) Credit Activity. It can take up to 14 days after date of purchase to establish monitoring.


Receive email alerts on reported changes to your credit information.


Get quarterly statements with updated PLUS Score(s). Score Factors, Alerts History, and more.


Receive personalized support and access to Fraud Resolution Representatives if you need experienced guidance recovering from identity theft.


Receive assistance through Lost Card Recovery to help you cancel and replace lost or stolen debit and credit cards.


Be reimbursed up to $10,000 for certain expenses covered under identity theft insurance.


If you’re looking for Wells Fargo Identity Theft Protection benefits, plus additional tools, consider Wells Fargo Enhanced Identity Theft Protection .


Wells Fargo Enhanced Identity Theft Protection gives you all the benefits of Wells Fargo Identity Theft Protection. along with additional tools to help you understand your credit and reach your financial goals. You’ll also receive more frequently updated and detailed information.


In addition to the benefits of Wells Fargo Identity Theft Protection, with Wells Fargo Enhanced Identity Theft Protection, you can also:


Get monthly access to your Credit Report(s) and PLUS Score(s) .


Keep track of the history of your PLUS Score(s) and compare to the national average with the PLUS Score Tracker.


Receive Experian PLUS Score Change Alerts when your Credit Status changes or customize your alerts.


Use the Experian PLUS Score Simulator to see how behavior changes — such as paying off or opening a new credit card, reducing a debt, or missing monthly payments — may affect your Experian PLUS Score(s).


Wells Fargo Identity Theft Protection questions


Wells Fargo Identity Theft Protection (ITP) is an optional product that provides access to credit information and credit activity including Credit Report(s) from up to all three major Credit Bureaus and PLUS Score(s) provided by Experian, a vendor. Credit information is monitored daily for certain changes and a notification is sent if any of the changes are reported from the Credit Bureau(s). Quarterly statements summarizing changes that have occurred in the previous three months will be sent to Wells Fargo Identity Theft Protection customers.


Wells Fargo Enhanced Identity Theft Protection includes all of the same benefits and services as Wells Fargo Identity Theft Protection. You’ll also be eligible to access your Credit Report(s) and PLUS Score(s) monthly . as well as additional tools such as PLUS Score Tracker, Experian PLUS Score Simulator, and Experian PLUS Score Alerts.


You’ll receive your benefits in one of two ways, depending upon what plan you purchase and how you purchase your plan:


Purchase by Phone – Call 1-877-224-3413 to purchase Identity Theft Protection. If you purchase by phone, you’ll receive your benefits by U. S. Mail. Purchasing by phone isn’t available for Enhanced Identity Theft Protection.


Purchase Online – If you’d like to purchase Identity Theft Protection or Enhanced Identity Theft Protection online, it’s important to use your own valid email address . Benefits will be delivered online and to the email address you provide.


If you become a victim of identity theft, Fraud Resolution is available to guide you through the process of restoring your credit. With Fraud Resolution you’ll get:


Personalized support and access to a Fraud Resolution Representative to support you every step of the way and provide on-going assistance through the recovery process.


Up to $10,000 in Identity Theft Insurance to help cover costs you might incur in recovering from identity theft, such as certain legal fees.


Wells Fargo Identity Theft Protection and Wells Fargo Enhanced Identity Theft Protection customers who need Fraud Resolution support, please sign on and go to the Fraud Resolution page.


Most consumers with a credit history have a file at each of the three major Credit Bureaus: TransUnion, Equifax, and Experian. Credit Bureaus collect and report credit account information including loan amounts or credit card limits, balances, and payment statuses. They also track requests or inquiries for your credit data. All of this information is combined to create your Credit Report at each Credit Bureau.


Your credit score is a numeric rating scale that many lenders and banks use to classify your credit worthiness and the relative likelihood that you will default — or not — on a credit obligation. Credit scores are developed using the information in your Credit Report. The higher your credit score, the better your credit rating.


A PLUS Score(s) is what you’ll receive when you purchase a Wells Fargo Identity Theft Protection plan. Your PLUS Score(s) is provided for educational purposes which is calculated on the PLUS Score model and indicates your relative credit status. This isn’t the score used by lenders and can vary from the scores used by lenders (e. g. FICO or VantageScore).


There are many types of credit scores. Here are a few examples:


PLUS Score (s). which is what you’ll receive when you purchase a Wells Fargo Identity Theft Protection plan, is an example of a score available for consumer purchase. Scores available for consumer purchase are currently sold primarily as educational scores and can differ from those used by lenders .


FICO ® Scores were developed by Fair Isaac Corporation and are the most widely used generic scoring models by financial institutions .


VantageScore Solutions builds its models using development databases that combine data from the three major Credit Bureaus and are used by some lenders.


There is no single score, and in some cases you may be unable to know the exact score a particular lender will use to evaluate your credit.


The information in the Credit Report comes from Experian, Equifax, and/or TransUnion — the nation's three major Credit Bureaus. As a benefit of Wells Fargo Identity Theft Protection plans, the data is merged into one comprehensive report that gives a picture of your complete credit history. All information is kept strictly confidential. The PLUS Score(s) provided by Experian, a vendor, will help you better understand your credit.


For help understanding your report or identifying potential issues, you can call Customer Service at 1-877-364-9343. Monday – Friday, from 7:00 am – 8:00 pm, Saturday, from 7:00 am – 5:00 pm, or Sunday, from 9:00 am – 5:00 pm, Central Time. Once you have identified any discrepancies, you will be provided with the tools and support necessary to help you submit your dispute(s) to the appropriate Credit Bureaus.


Wells Fargo Identity Theft Protection customers receive a one-time Credit Report from up to all three major Credit Bureaus (Experian, Equifax, and/or TransUnion) delivered by U. S. Mail or available online, depending on how the customer purchased their plan.


Wells Fargo Enhanced Identity Theft Protection customers have access to their Credit Report online and can access a new Credit Report once every 30 days.


If you have purchased an Identity Theft Protection product, you can call Customer Service at 1-877-364-9343. Monday – Friday, from 7:00 am – 8:00 pm, Saturday, from 7:00 am – 5:00 pm, or Sunday, from 9:00 am – 5:00 pm, Central Time. A Fraud Resolution Representative will assist you with compiling and organizing the paperwork required to document the fraud and help you inform the Credit Bureaus of the fraudulent transactions, notifying your creditors and financial institutions of the situation, and researching or investigating the potential damage to your identity.


In addition, if you suspect fraudulent activity on your Wells Fargo accounts, you can receive assistance by visiting the Fraud Information Center .


No. Purchasing the Wells Fargo Identity Theft Protection plans won’t affect your credit or credit score.


Your Credit Report contains a profile of your positive and negative credit history from up to all three major Credit Bureaus (Experian, Equifax, and/or TransUnion), including lines of credit, loans, liens, bankruptcies, and credit card accounts that have been opened in your name. The Credit Report also lists companies or individuals who have viewed your credit information.


If you purchased a Wells Fargo Identity Theft Protection plan, you’ll receive notifications of changes to your credit information by email if you purchased online or by U. S. Mail if you purchased over the phone.


Call Customer Service at 1-877-364-9343. Monday – Friday, from 7:00 am – 8:00 pm, Saturday, from 7:00 am – 5:00 pm, or Sunday, from 9:00 am – 5:00 pm, Central Time.


Already a customer?


Access your Credit Report(s) and PLUS Score(s) online.


Annual Credit Report


You can get a free Credit Report annually from each of the three major Credit Bureaus through annualcreditreport. com. even if you choose not to purchase one of our plans.


For daily credit monitoring, consider purchasing an Identity Theft Protection plan from Wells Fargo.


More Identity Theft Information


For more information related to credit monitoring, visit the Consumer Federation of America’s site, idtheftinfo. org .


Daily Credit Monitoring will notify members of new inquiries, new accounts, certain new derogatory information, public records, potentially negative information, cards reported lost or stolen or change of address that have been added to their Credit Reports as reported by any of the three major Credit Bureaus.


Your PLUS Score(s) provided for educational purposes is calculated on the PLUS Score model and indicates your relative credit status. This is not the score used by lenders and can vary from the scores used by lenders (e. g. FICO or VantageScore).


Up to $10,000 identity theft insurance coverage is available through this product. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc (collectively, the "Company") under group policy #7077867. 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. Please refer to the Summary of Benefits document included in the welcome materials or online.


Even without a credit monitoring service, you are entitled by law to a free report every 12 months from each of the three major Credit Bureaus. Information regarding these and other Fair Credit Reporting Act rights is available at the Federal Trade Commission website .


For more information about the difference between consumer purchased scores, like the ones available with Wells Fargo Identity Theft Protection plans (PLUS Score(s)) and lender purchased scores, read this report from the Consumer Financial Protection Bureau .


Wells Fargo Identity Theft Protection plans are not credit counseling services and do not promise to help you obtain a loan or improve your credit record, history, or rating. Identity Theft Protection plans are not FDIC insured .


© 1999 - 2017 Wells Fargo. Todos los derechos reservados. NMLSR ID 399801


Types of Identity Theft Protection


Take Control of Your Credit and Identity by Making Informed Decisions


Do you know which (if any) identity theft protection service is worthy of your money or trust? When institutions or industries grow "too big to fail" all too often they've become too big to trust and too big to manage your finances or personal and sensitive data. Consumer Reports Money Adviser reminds us that things aren't always as they seem. You don't have to buy identity theft protection to protect your identity. But if you are interested in paying for a protective or restorative service, it's important to fully research your options in order to make informed decisions based on accurate information. Don't rely on slick advertising campaigns or strategic marketing mantras. They're good at talking the talk, but not-so-good at walking it.


To reduce or minimize the risk of becoming a victim of credit card fraud, identity theft or cyber relate crimes there are some basic steps you can take.


Here are a few options that may help you decide which (if any) of today's anti-fraud alternatives can best fit your needs;


There are two types of fraud alerts: an initial alert, and an extended alert.


* An initial fraud alert stays on your credit report for at least 90 days. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial alert is appropriate if your wallet has been stolen or if you've been taken in by a "phishing" scam. With an initial fraud alert, potential creditors must use what the law refers to as "reasonable policies and procedures" to verify your identity before issuing credit in your name. However, the steps potential creditors take to verify your identity may not always alert them that the applicant is not you. When you place an initial fraud alert on your credit report, you're entitled to order one free credit report from each of the three nationwide consumer reporting companies, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports.


* An extended fraud alert stays on your credit report for seven years. You can have an extended alert placed on your credit report if you've been a victim of identity theft and you provide the consumer reporting company with an Identity Theft Report. An automated Identity Theft Report, such as the printed ID Theft Complaint available from this Web site, should be sufficient to obtain an extended fraud alert. With an extended fraud alert, potential creditors must actually contact you, or meet with you in person, before they issue you credit. When you place an extended alert on your credit report, you're entitled to two free credit reports within twelve months from each of the three nationwide consumer reporting companies. In addition, the consumer reporting companies will remove your name from marketing lists for pre-screened credit offers for five years unless you ask them to put your name back on the list before then.


To place either of these alerts on your credit report, or to have them removed, you will be required to provide appropriate proof of your identity: that may include your Social Security number, name, address and other personal information requested by the consumer reporting company.


As mentioned, depending on the type of fraud alert you place, potential creditors must either contact you or take reasonable steps to verify your identity. This may cause some delays if you're trying to obtain credit. To compensate for possible delays, you may wish to include a cell phone number, where you can be reached easily, in your alert. Remember to keep all contact information in your alert current.


What does a fraud alert not do?


While a fraud alert can help keep an identity thief from opening new accounts in your name, it's not a solution to all types of identity theft. It will not protect you from an identity thief using your existing credit cards or other accounts. It also will not protect you from an identity thief opening new accounts in your name that do not require a credit check - such as a telephone, wireless, or bank account. And, if there's identity theft already going on when you place the fraud alert, the fraud alert alone won't stop it. A fraud alert, however, can be extremely useful in stopping identity theft that involves opening a new line of credit.


A credit freeze is different from a fraud alert in a number of ways. A freeze generally stops all access to your credit report, while a fraud alert permits creditors to get your report as long as they take steps to verify your identity.


A credit freeze is free to identity theft victims who have a police report proving they have been victims of identity theft. For individuals who are not victims of an identity theft, the cost is $10 per credit bureau, or $30 for all three bureaus to freeze your credit. To place a freeze on your credit file, you must write to each of the three credit bureaus, provide your identifying information and include your payment to each bureau. Freezing will prevent you from opening a new account yourself, applying for a job, renting an apartment, or buying insurance, if your credit report needs to be accessed by a creditor. Once your file is frozen, if you want to open a new credit account, refinance, or get a new loan, you must "thaw" your credit file. That costs money too. Credit freezes can't block thieves from accessing your current credit cards or bank accounts.


Who can access my credit report if I place a credit freeze?


If you place a credit freeze, you will continue to have access to your free annual credit report. You'll also be able to buy your credit report and credit score even after placing a credit freeze. Companies that you do business with will still have access to your credit report - for example, your mortgage, credit card, or cell phone company - as would collection agencies that are working for one of those companies. Companies will also still be able to offer you pre-screened credit. Those are the credit offers you receive in the mail that you have not applied for. Additionally, in some states, potential employers, insurance companies, landlords, and other non-creditors can still get access to your credit report with a credit freeze in place.


Can I temporarily lift my credit freeze if I need to let someone check my credit report?


If you want to apply for a loan or credit card, or otherwise need to give someone access to your credit report and that person is not covered by an exception to the credit freeze law, you would need to temporarily lift the credit freeze. You would do that by using a PIN that each credit reporting agency would send once you placed the credit freeze. In most states. you'd have to pay a fee to lift the credit freeze. Most states currently give the credit reporting agencies three days to lift the credit freeze. This might keep you from getting "instant" credit, which may be something to weigh when considering a credit freeze.


What does a credit freeze not do?


While a credit freeze can help keep an identity thief from opening most new accounts in your name, it's not a solution to all types of identity theft. It will not protect you, for example, from an identity thief who uses your existing credit cards or other accounts. There are also new accounts, such as telephone, wireless, and bank accounts, which an ID thief could open without a credit check. In addition, some creditors might open an account without first getting your credit report. And, if there's identity theft already going on when you place the credit freeze, the freeze itself won't be able to stop it. While a credit freeze may not protect you in these kinds of cases, it can protect you from the vast majority of identity theft that involves opening a new line of credit.


Identity Theft Protection & Restoration Services


Recent headlines about data breaches and losses of personal information have prompted many companies to advertise products or services to help consumers prevent or minimize their risk of identity theft.


The Federal Trade Commission (FTC), the nation's consumer protection agency, says before you pay for an identity theft prevention product or service, make sure you understand exactly what you're paying for. Many people find value and convenience in paying an outside party to help them exercise their rights and protect and recovery their name and date.


Knowing and understanding your rights can help you determine whether--or which--commercial product or service on the market today may be appropriate for you.


Neither a fraud alert nor a credit freeze can stop a criminal from using your name to commit other non-credit related crimes. Remember, your identity is much more than just your credit report. There's no protection that's one hundred percent fool-proof against identity theft. Ninguna.


Make an informed decision as to which, if any, services are worthy of your trust and your money.


Whether you freeze your credit, flag it with fraud alerts, purchase credit monitoring or identity protection services, it is still impossible to be certain that you will never become a victim of credit card fraud, identity theft, scams, predatory practice or cyber related crimes.


Credit monitoring services are heavily advertised, and many people have the impression that these services alone will provide a high level of protection against identity theft. This is a serious and potentially harmful misconception.


Credit monitoring is offered by most banks and all three credit bureaus. Sometimes the service only includes monitoring one bureau's report, which is a problem, since many creditors don't report to all three bureaus. The credit report you are monitoring may not be the one a fraudulent account is reported to.


Another problem with credit monitoring services is that they're designed to inform you of any changes to your credit report; this sounds good, but what many consumers don't realize is that the data in credit reports may not be recorded in "real time." If you purchase something on credit today-do you know when the creditor will report your activity to the credit bureaus? Or when the credit bureaus will update you file? Credit monitoring services are reactive in nature-not proactive. The services are designed to let you know about a problem only after it occurs. If you are considering credit monitoring, find out if it they monitor all three bureaus, if the monitoring is done in real time and whether or not they offer identity and financial recovery services, should an ID theft occur.


For more tips and information about today's type of identity theft crimes and fraud prevention awareness see: Identity theft Protection Blog Posts .


Choose your Binary Options broker wisely!


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Is FinPari a Scam or You Can Trust This Broker? Read the 100% Full & Unbaised Scam Investigation! FinPari Minimum Deposit & Promo Code. - Read More.


FTrade is a fairly new binary options broker that was established in 2017. They are owned by Binext Global Ltd and located at 201 Rogers Office Building. - Read More.


Established in 2011, GFM Trader is an online binary options broker that is based in London, UK. We have heard that this company has been established by traders so. - Read More.


There is no evidence of trading available about this binary options broker that proves if it is actually worth your investment. Our team was unable to find a. - Read More.


Is GOptions Regulated and Safe Broker or is it a Scam? How to Get 5 Risk Free Trades and PayOuts Up to 90%? Withdrawal Terms, Complaints and Minimum Deposit - Read More.


Is HighLow a Safe and Trusted Broker or Is It a Scam? Check This 100% Unbiased HighLow Review. Minimum Deposit, Promotions and PayOuts - Read More.


Huge Options is one of the latest binary options brokers in the industry. The broker was launched in 2017 and is owned by Huge Ltd and is. - Read More.


ICOption is not a new player on the market, but there are a number of things that raise suspicion about them. Information about the company is not available on their website and we also. - Read More.


Imperial Options is a relatively new binary options broker on the market. Within this short time frame they’ve created quite a buzz. This is why we did some research to. - Read More.


Our team conducted a thorough research of the binary options broker In2Markets. After testing their deposit and withdrawal procedures, their trading platform and. - Read More.


Inside Option is a binary options broker with a trading platform that has expertise in helping people to trade binary options, a particular type of time sensitive. - Read More.


Interactive Options has been a binary options broker since 2017. On their website it’s stated that they are owned by Pegase Capital Ltd and it is. - Read More.


IQ Option was created in the year of 2017 and operated by Alta Vista Trading Limited located in Seychelles. The IQ option brings a new. - Read More.


Can Ivory Option Be Trusted or Is It a Scam Broker? Check Out Ivory Option Minimum Deposit, Features & Withdrawal Terms! - Read More.


Magnum Options Traders Share 100% True Experience. Is Magnum Options a Scam? – We Found Out The Truth! Complaints, Withdrawal Problems & Minimum Deposit - Read More.


The Market Options broker is situated in 6 London Street, second floor, Paddington, UK. Having such a prominent address for contact usually suggests that. - Read More.


Finding a good binary options broker is no easy task and given the fact that there are so many of them operating online, it takes a lot of insight and experience to. - Read More.


In the last few years there have been many new binary brokers joining the market. Master Option is among those few. It is owned by a company named BBM services. - Read More.


Max Options is a broker based in Switzerland. MaxOptions has not managed to become regulated for many years. This broker does not offer any. - Read More.


MayFair Option are brokers for binary option trades and considered as one of the best brokers having well established compliance service analyzed by. - Read More.


Our team of experts took a careful look at all the services offered by NADEX. After testing their deposit and withdrawal procedures, the trading platform and. - Read More.


No1Options is a binary options broker established in 2017. It is owned by SHOF Marketing Ltd, with a physical address at 201 Rogers Office Building, Wallace. - Read More.


OBMarkets is 100% Scam Binary Options Broker! WARNING Issue, Withdrawal Problems and Complaints. Scam Investigation Results. - Read More.


Olymp Trade is a binary option broker established in 2017 with similar features and platform developed for trading online. The broker’s site is available only in. - Read More.


OneTwoTrade is a binary options broker founded in 2011 and it is owned by Up&Down Marketing Limited, located in Malta. They are licensed by LGA and. - Read More.


Opteck broker has been operating since 2011 and brought a reputation to the binary option trading company. It offers “free registration” (why free?) and. - Read More.


Option500 is quite a new binary options broker, but it already gained some kind of reputation. Simplicity of trading – these words are supposed to be the main features of. - Read More.


Is OptionBit a Scam Binary Options Broker? Check This 100% Unbiased and Full OptionBit Review. Withdrawals, Regulation and Bonuses - Read More.


OptionFair gives a fair chance to all its traders for learning the market, by giving them a chance to trade with a demo account as well. Having a demo trading. - Read More.


Read 100% Expert and Full Review of OptioNow. Can You Get Risk Free Trades and 100% Bonus? Minimum Deposit & Complaints - Read More.


Is OptionRally Broker To Trust Or a Scam To Avoid? Find Out in This 100% Detailed OptionRally Review. Complaints, Withdrawals, Bonus Policy – Full Scam Investigation - Read More.


OptionRidge is a binary options trading broker that offers a variety of trading options. They have assets to choose from which includes a variety of stocks, indices. - Read More.


Option Stars is a relatively new binary options trading broker. The company was founded in 2017 and it is owned by Novox Capital Ltd. The company is based in Nicosia, Cyprus. - Read More.


To meet the needs and requirements of diverse groups of traders OptionWeb has designed 6 different account types. The Starter, Standard, Silver, Gold and. - Read More.


OptionXO Scam Review – 100% Honest and Objective! What Professional Traders Share About OptionXO? See Withdrawals, Complaints & Bonuses. - Read More.


OptionXL is one of the new binary option brokers of the industry today. They have got a software known as the Spotoption which is recognized by over 4 languages i. e. Arabic, English, French. - Read More.


Porter Finance Review – The Truth Revealed! Is Porter Finance Legit? 100% Real Expert Experience. Withdrawal, Minimum Deposit & Bonuses. - Read More.


PWR Trade is a binary options trading broker. Their trading platform is powered by SpotOption with features that traders can take advantage of. The platform is. - Read More.


RedWood Options Scam Review – The Truth Revealed! Is RedWood Options Legit? 100% Real Experience. Withdrawal, Minimum Deposit & Bonuses. - Read More.


Safe Option is a broker on the market of binary options trading platforms. They provide online trading services to anyone interested in investing with them. - Read More.


When it comes to payments, SafeKlik offers a limited number of options. These include credit cards, debit cards and bank transfers. Currently, they don’t offer. - Read More.


It is generally advisable that when you see a binary options website which has phrases like “Get 100% bonus”, you should stay away from it. Consider it this way: Does any. - Read More.


These days many promotional reviews are available on the Internet. These may lead you to think that Spear Trader is one of the best binary options trading platform. But don’t be fooled. - Read More.


Is SpotFN a Scam or is it a Regulated Broker? Read 100% Honest & Detailed SpotFN Review. Complaints and Withdrawal Issues. - Read More.


Check This 100% Detailed StockPair Review by Experts. Find Out – Is StockPair Regulated or is it a Scam? Minimum Deposit, PayOut & Bonus Terms - Read More.


Those who are looking for a platform to start trading might have come across StratXMarkets. Is this system even reliable? Will I be wasting my time and money if. - Read More.


Can SwiftOption be Trusted or is it a Scam? Check the 100% Exclusive & Detailed SwiftOption Review! Withdrawal & Demo Account at SwiftOption - Read More.


Is TopOption a Scam or a Legit Broker? Read 100% Real Experts Review & Scam Investigation. Bonuses, Withdrawal Issues & Complaints - Read More.


TradEqual is a Binary Options Exchange Platform Is TradEqual Legit or is it a Scam to Avoid? Read 100% FREE & Detailed TradEqual Review Write & Sell Profitable Binary Options - Read More.


TradeRush Full Scam Review by Pro Traders. The 100% Truth Exposed – Is TradeRush Scam or Legit? Withdrawal, Minimum Deposit & Promotions - Read More.


Check This 100% Detailed Review of TradeThunder. Binary Options Broker Established in 2017. US traders Accepted. Complaints, Withdrawals & Promotions - Read More.


Launched in 2005, TradeKing is a US stocks and options broker that is based in Florida. According to the founders, TradeKing is a compelling new alternative that can. - Read More.


Is TR Binary Options a Trusted or a Scam Broker? Check 100% FREE & Detailed TR Binary Options Review – Minimum Deposit, Withdrawals + Bonuses - Read More.


Is TropicalTrade a Scam or Trusted Binary Broker? Read 100% FREE & Detailed TropicalTrade Review. TropicalTrade Minimum Deposit & Withdrawal - Read More.


In this review, we will take a look at Ubo Capital to find out the truth about it. It is fairly new in the industry and that is why many people wish to know more about it. It is owned by. - Read More.


Launched in 2011 and owned by UTrader Day Dream Investments Ltd, UTrader is an experienced binary options trading broker. Their trading platform is. - Read More.


V8Options provides a binary options trading platform for your investment. It has got a well designed website, but that has got a low user experience because of its not so easy navigation. This actually. - Read More.


Verum Option, owned by Coylton Services LP, is a Russian binary options broker that also accepts traders from around the world with the exception of several countries like. - Read More.


VIPOptions is an online binary options broker that was founded by a team of traders in 2011. They provide traders with a range of assets from categories including. - Read More.


Binary options trading allow you to trade online where you make investments with minimum risks and get potentially high profits. VXmarkets is a platform that offers binary options trading. - Read More.


The WMOption’s trading platform leaves a lot to be desired with it’s not very user friendly interface. You first have to choose an. - Read More.


ZoomTrader is a binary options broker that provides an easy to use, but technologically advanced and powerful trading platform to traders around the world. As ZoomTrader’s goal is to make. - Read More.


Is-Scam Free E-book “How To Avoid Scams”


To learn more, Download our free e-book “How to Avoid Binary Scams”. To do so, simply subscribe to our newsletter and get access to Exclusive content & Scam Alerts.


Bottom Line:


Trading Binary Options Online is a convenient way of making money on the Internet. However, you need to be very careful when choosing a binary option broker. We have an extensive article on how to choose a binary broker, see here .


Many of the binary offers are advertised via email. If you are not sure about your offer, you can sign up and receive our regular scam investigations .


To ensure 100% Safe Trading experience, we recommend you to choose one of the Scam Free brokers listed above OR Proceed to Safety by registering with the top #1 safe Broker Trusted by Is-scam. com


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Paid Identity Theft Protection Plans – What Are You Really Buying?


Identity theft protection plans can be divided into 6 general categories:


Monitoring


Fraud Alert


Credit Freeze


Reimbursement Insurance


Resolution


Restauracion


Shopping for Identity theft protection is much like buying home owners insurance. The time to fully understand what is protected, and what isn’t protected is before you make your buying decision. You not only need to know the policy benefits, but also the policy limitations.


Understanding the differences between the 6 general categories will be helpful, so let’s get to the details. Once you understand the details, make sure you compare actual plans to match their offerings with your needs. Once you know what to look for, some of the plans may surprise you.


Monitoring


These are paid services offered by financial institutions or credit companies that do exactly what they say – They monitor your credit activity, and notify you when there is activity in your account.


Credit monitoring is a valuable early warning. The TV advertising myth makes it look like it is all you need and if you have an identity theft problem, just give XYZ Bank a call and they will help you.


What it does not cover – restoration assistance if you are a victim. What they really provide is a resolution service.


Fraud Alerts


A key provision of the Fair and Accurate Credit Transactions Act of 2003 is the consumer’s ability to place a fraud alert on a credit card account or credit bureau listing when an fraudulent account activity is either experienced or suspected.


The alert requires any creditor that is asked to extend credit to contact the consumer by phone and verify that the credit application was not made by an identity thief.


This provision is meant to be used by individual consumers who suspect identity theft. It is a free service, and needs to be renewed every 90 days.


Many startup companies offer paid id theft protection based primarily on fraud alerts. That is what companies like Lifelock, and Identity Truth offer.


There are a couple of caveats when you pay a company to protect you via the fraud alert system. First, fraud alerts are intended for individuals to use to protect themselves.


Second, there are built in vulnerabilities. Creditors are supposed to call you before issuing any new credit. That can be left open to interpretation. Did they make a call, and you weren’t there, so they proceed to issue credit? How do you prove they called you?


Third, fraud alerts only monitor direct credit activity. Less than 30% identity theft is directly related to credit.


Credit Freeze


Credit Freeze is not the same as fraud alert. A Credit Freeze will prevent access to your credit report, allowing you to control which companies may see your credit report. However, there are certain exemptions to the Credit Freeze allowed by state law that allows companies to view your report even though it is frozen.


Each state has its own rules involving credit freeze. And there is a price attached, and it differs from state to state. There is a charge to place the freeze, and a charge to lift the freeze. Alabama, Missouri, and Michigan are the only states without a credit freeze, but the credit bureau’s voluntary credit freeze is still available in these 3 states.


Reimbursement


This is a form of insurance coverage where you must read the fine print. Typical reimbursement policies only reimburse your actual expenses, such as mailing costs, phone costs, any actual, documented expenses in sending out affidavits, or hiring legal help.


What most reimbursement does not cover – the amount of actual financial fraud, and time missed from work.


Also, if you need to bring a creditor to trial to prove you are an ID theft victim, and not responsible for payments owed, you could lose your case if you are outside the 60 day time limit of reporting identity fraud to your credit card company.


What does this really mean for you? Not only may you be liable for paying off the fraudulent amount, but your reimbursement insurance may not cover your attorney fees, because the court verdict says you were at fault.


If you have full identity restoration, reimbursement insurance will not be much of an issue, because the majority of expenses in straightening out your identity will be automatically covered under restoration terms.


Resolution


Resolution service basically points you in the right direction. They may send you a packet of instructions, with affidavits to fill out, or tell you how to contact the FTC, which can provide an actual 30 page book of instructions and affidavits you can copy.


What it really means to you – if you are a victim of ID theft, you will be in charge of all the phone calls and paperwork, notarized affidavits, correspondence, etc. This is what the FTC means when it talks about up to 600 hours to straighten up the mess, at the cost of $1400 per incident. (An average identity theft incident requires about 116 hours of phone calls, paperwork, etc.


Restauracion


Restoration is a service that assigns an agent to do the majority of the contact and investigative work for you. Restoration will require you sign a limited power of attorney, because you are giving an agent the right to act in your behalf.


Restoration should be the “meat” of any identity theft plan you use. ¿Por qué? Even though some companies make exaggerated claims that their service will absolutely protect your identity – the truth is – there are always loopholes, and vulnerabilities in systems and your identity can still be stolen, even when you pay for protection.


In the event that the worst happens – do you want an experienced investigative agent working for you, or do you want to do the work yourself?


Now that you understand the categories, check out the plans here.


If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!


Los comentarios están cerrados.


"Identity Theft Statistics are spinning out of control. Your personal information is on file everywhere and thieves are stealing it to not only establish credit, but they use it for employment, insurance, benefits and social security fraud. It's crucial to have a thorough protection plan that helps minimize your risk, and takes over all the time consuming work if you do become a victim. Other programs offering credit monitoring and fraud alerts only deal with part of the problem. I worked with Zander Insurance to help make sure their program was the most comprehensive and affordable plan available. That's why I bought it for my family, my team members and recommend it for all my listeners and their families." - DAVE RAMSEY


Identity Theft: Helpful Links


Noted below are numerous free consumer services and website links that may be beneficial to you in your effort to combat Identity Theft. Each service by itself does not represent a viable method to eliminate or reduce Identity Theft. However, used in conjunction with the Zander Insurance Identity Theft Protection Plan, these services help enhance your preventative measures and assure you are well protected if you do become a victim.


Annual Credit Report. com


This site allows you to request your free consumer credit report once a year from each of the nationwide consumer credit report companies: Equifax, Experian and TransUnion. We strongly recommend a self monitoring method of accessing your free credit reports throughout the year. However, since not all lenders access credit bureau reports prior to extending credit and identity theft involves much more than just credit related fraud (i. e.; employment, medical, criminal, benefit and social security fraud) monitoring your credit report has significant limitations and is not an effective tool by itself. Remember that your spouse is eligible for the same free consumer services and checking both of your reports, if applicable, is highly recommended. In addition, please be aware that access to your credit report is free and that none of the services offered additionally at www. annualcreditreport. com or the credit bureau sites are necessary to retrieve your free report.


Instructions For Obtaining Your Free Credit Report


Go to www. annualcreditreport. com. Identify your state and click request "report. Complete all fields for your demographic information. Select the credit bureau you would like to use (we recommend that you choose one of the three and reserve the other two for later dates). Follow the steps and you will need to accept the terms, and confirm your identity. It will then give you an option to purchase your credit score. Click "NO THANKS, just my report? Your credit report will appear and be available to view and print a copy for your records.


YOU DO NOT EVER NEED TO SUBMIT YOUR CREDIT CARD INFORMATION TO GET YOUR FREE CREDIT REPORT FROM THIS WEBSITE


Opt Out Pre Screen. com


Optoutprescreen. com lets you opt out of receiving pre-approved, unsolicited credit and insurance offers that come in the mail. You are given the choice of opting out for five years or you can opt out of firm offers permanently. Opt Out reduces the volume of mail you receive which in turn reduces the probability or risk of becoming a victim of fraud.


National Do Not Call Registry


By registering with this service, you will drastically reduce the number of annoying phone calls you get from telemarketers which will ultimately reduce your risk of falling for a scam. The FTC requires all telemarketing firms to check the list every three months. Telemarketing firms are required to clean their telemarketing leads from all registrants of the do not call list.


Federal Trade Commission (FTC)


This website is a one-stop national resource to help you deter, detect, and defend against identity theft. On this site, consumers can learn how to avoid identity theft, and learn what to do if their identity is stolen.


FRAUD ALERTS


You can add a fraud alert message to your credit report to help protect your credit information. Fraud alert messages should notify potential credit grantors to verify your identification before extending credit in your name in case someone is using your information without your consent. You can place a fraud alert online or you can call the credit bureau directly.


Online: www. experian. com. At the bottom of the page under "Consumer Assistance" click on Fraud Alert. "Add an Initial Security Alert for 90 days" You will need to complete the form and verify your identity. You will also be provided access to your credit report. We recommend you print it and review it carefully. The other two credit bureaus will automatically be notified on your behalf.


Phone: Call Equifax at 1-888-766-0008. Follow the instructions to place your fraud alert. They will also notify the other two credit bureaus on your behalf.


CHILD IDENTITY THEFT INQUIRY


Children are a target for identity theft because the theft of a child's identity could go undetected for years. Identity theft could affect your child's future credit and employment history if thieves obtain credit accounts - or even get jobs - using your child's identity.


Transunion now provides a secure online form that you can complete and submit to find out if your child has a credit file. Once you submit the form you will receive an email reply within 24 hours letting you know if there is a credit file with your child's Social Security number.


SECURITY FREEZE


A security freeze is an extreme measure for preventing identity theft and can be costly and inconvenient. It may also hinder your ability to immediately obtain credit to make major purchases. A security freeze must be submitted in writing to one of the three credit bureaus with proof of identification.


Equifax Security Freeze, P. O. Box 105788, Atlanta, Georgia 30348


Experian, P. O. Box 9554, Allen, Texas 75013


TransUnion LLC, PO BOX 2000, Chester, PA 19022-2000


Señales de opciones binarias


Binary Options Forecasts


Binary or digital options are trading options that provide fixed returns on the correct prediction of the movement of an asset in the market. Every trader that enters the market has the primary aim to make profits. Knowing what binary options are is not enough to ensure profits.


The trader must learn how to correctly predict the movement of the asset to really have a chance to gain some “in the money” payouts on his investment. That is where we come in – to aid traders in making the right decisions while predicting the price movement of assets.


BinaryOptionsForecasts. com provides prediction signals on assets and these signals assist traders while trading in the market, higher than the educated guesses of a single trader and much higher than a gamble made by trader new to the market.


The details of the asset, entry price, the option to be purchased on that asset (Call or Put) and the expiry time – all of the essential details are provided by the website to guide you through the trading process.


As a new trader with dreams of making it big in the binary options market, you cannot guarantee your chances at making profits. It is better to rely on a more accurate analysis of the market to help you make the right choice. An approximate accuracy of 70% is quite lucrative in the stock market.


Although there is a chance of losing that investment, but that can never be removed and it is all about increasing your chances at earning profit. The website eliminates much of the guesswork part of trading by specifying what and when to trade.


BinaryOptionsForecasts. com is just a better strategy to utilize binary options due to the aforementioned advantages. It is a companion you can use while making binary options trades.


Identity Guard Review


The Good


Multiple plans that fit any budget


With three different plans available, with prices ranging from under $10 per month to around $24.99 per month, Identity Guard has a package that's right for any budget and set of needs. If you're simply looking to be proactive, you may be able to get by on the Essentials plan. If you're looking for more comprehensive protection -- say you've already been a victim -- you can't beat Identity Guard's Platinum package. With this plan, you get personal identity and credit monitoring, triple-bureau reports and scores, computer protection software, and lost wallet protection.


Easy-to-navigate account


From the home page of your Identity Guard account, you can view your credit scores, any new alerts, and information about your plan. Using tabs at the top of the screen, you can view your credit details and recent updates, along with more detailed results of the latest Internet scans for your personal information. You can also view your child ID information from your online account. The “Get Support” tab includes useful articles about protecting yourself from identity theft and what steps to take if you become a victim of fraud. The phone number for Identity Guard's fraud resolution specialists is also conveniently located on this page.


Stay connected on the go


Identity Guard's mobile app, available for iPhone, Android, and BlackBerry, helps you stay connected to all aspects of your account so you're always aware of any changes. The app provides you with detailed information about your credit reports and any recent alerts that have shown up on your account. You also have access to the latest news and FAQs about credit reports and identity theft if you're interested in learning more about how to protect yourself.


Computer protection software included


Identity Guard provides you with anti-spyware software, including antivirus and PrivacyProtect®, which encrypts your keystrokes and prevents keyloggers from seeing data. ID Vault® password protection software encrypts all your passwords so identity thieves can't access them. It then saves all your information and logs you into your accounts so you don't have to remember the passwords yourself. These offerings aren't typical for most identity theft protection services, but they're very useful tools that help keep your information from falling into the wrong hands.


Discounts for Costco members


If you're a Costco member, you could save up to $10 per month when you sign up for Identity Guard's Total Protection plan. This plan includes identity and credit monitoring, credit reports and scores from all three credit bureaus, lost wallet protection, and identity restoration assistance. The Total Protection plan is a great deal to begin with, but if you add in the discount, you may be getting one of the best bargains available for identity theft protection.


The Bad


No medical ID protection


Although Identity Guard does monitor information like your credit cards, Social Security number, and bank accounts, they don't look after your medical information. Medical ID theft, when thieves use your personal and insurance information to receive medical procedures, is becoming more and more common. Medical ID protection is not a staple of most identity protection software, but several identity theft protection companies in the industry do protect against this type of fraud. If you're concerned about medical identity theft, a company like Identity Force might be a better fit.


Doesn't help you take your name off mailing lists


Having your name removed from mailing lists is a preventative ID protection strategy because identity thieves can gain access to your personal information from offers you're sent in the mail. Identity Guard isn't the only company that doesn't provide this service, but it'd be great to add mailing list removal to their offerings for customers who want it.


The Details


Identity Theft Insurance: Up to $1 million


Monthly Price: $9.99 - $24.99


Types of Monitoring: Personal, Family


precio


The Absolute Basics of Binary Options Trading


or copy the link


If you’re looking for different ways of investing, then it’s likely that you’ve come across the concept of binary options trading or simply binary trading. Binary trading is different from other methods of trading and investment.


Many traders actually find binary options easier to trade in than forex, futures, and even stocks. Here’s a small primer on binary options trading designed to give you a better understanding of the concept.


¿Qué es el comercio de opciones binarias?


Binary options trading, as the name suggests, is a form of trading where you have only two options available to you. For example, in all other forms of financial trading such as forex or stocks, you have to project on the increase or decrease of prices.


This means that there’s no limit to how much a stock’s prices can fall or rise. If you buy a stock for $1, you can choose to keep it till it’s worth $100 or sell it the moment it becomes $2.


This isn’t the same in binary options, where you can only put money on a unit either rising or falling. To what extent the prices rise or fall is irrelevant as far as you’re concerned.


How Does Binary Options Trading Work?


When you see a binary options trading platform, like you’ll see on ETX Capital. you’ll see multiple financial instruments like stocks, forex, and even commodities. Your only two options will be to either ‘call’ or ‘put’. If your analysis or prediction says that the prices will rise, then you pick ‘call’. On the other hand, if you think the value will fall, then you pick ‘bid’.


How Do You Profit In Binary Options Trading?


For every instrument on the platform, you’ll see an available profit percentage. If your prediction goes right for a certain financial instrument, then you stand to gain the mentioned percentage of the money you put up.


So, if you put $100 on your prediction and the provided percentage mark-up is 70 percent, then you get $170 after your prediction goes right. On the other hand, if your prediction is wrong, then you lose your $100.


What Are The Benefits Of Binary Options Trading?


The biggest benefit of binary options trading is that you don’t have to fuss about predicting exact pricing movements. You can simply analyse the market and figure out whether the prices will rise or fall.


Risk management is also easier in binary options trading because you know exactly how much money you stand to gain or lose, when the results come out. Since you’ll know what the risks are and the profit potential is you’ll be better able to protect your financial assets.


Social Security


Avoid Identity Theft: Protect Social Security Numbers


In an effort to curtail identity theft, the Social Security Administration (SSA) is initiating a public information program to encourage the use of alternate identifiers in place of the Social Security Number (SSN.) Many organizations including businesses, government agencies, medical facilities and educational institutions continue to use the SSN as the primary identifier for their record keeping systems. We are seeking your support, as well as the support of the general public, in helping to ensure the integrity of individual SSNs.


Identity theft is one of the fastest growing crimes in American society. The routine and often indiscriminate use of SSNs as identifiers creates opportunities for individuals to inappropriately obtain personal information. Repetitive use and disclosure of SSNs in organizational record keeping systems, multiplies the susceptibility of persons to potential identity theft. Through misuse of SSNs, individuals are subject to the danger of identity theft and its repercussions. Access to an individual’s SSN can enable an identity thief to obtain information that can result in significant financial difficulties for the victim. While this can be disruptive for the individual, it can also lead to civil liability for the organization and its individual employees if someone is harmed by information that has been made available to others.


ALTERNATE IDENTIFIERS: NOT NECESSARILY A FOREIGN CONCEPT


An organization’s collection and use of SSNs can increase the risk of identity theft and fraud. Each time an individual divulges his or her SSN, the potential for a thief to illegitimately gain access to bank accounts, credit cards, driving records, tax and employment histories and other private information increases. Because many organizations still use SSNs as the primary identifier, exposure to identity theft and fraud remains.


We strongly urge all organizations that use SSNs as the identifier in their record keeping systems to use alternate identifiers. In recent years, a number of nationally known professional businesses and schools have moved from an SSN-based identification system to an alternate employee/student identifier. In fact in our region, which includes Maryland, Pennsylvania, Virginia, West Virginia, Delaware and the District of Columbia, many places have found the cost of this conversion to be reasonable. Some have also stated that the increased peace of mind for all concerned has made any costs worthwhile.


A good example for using an alternate identification number relates to foreign-born students. Foreign students who do not have jobs or valid job offers are no longer eligible for SSNs under SSA regulation changes published in September 2004. Various educational institution record systems had to be changed to handle these students under alternate ID numbers.


BEST PRACTICES


Assign another primary identifier


Organizations should avoid using Social Security numbers (SSNs) as identifiers for any type of transaction. The SSN should only remain in a database as a secondary identifier. Organizations should exercise limited use of an individual’s SSN. For example, when it is necessary for a school to verify students’ identities when processing financial aid applications, use of an alternate identifier, other than the SSN, can reduce the risk of unauthorized disclosure of SSNs.


Inform Your Members


When identity data is required by your organization, you should provide the option of using another number as a personal identifier, and address the importance of privacy of individual records. This topic should be discussed on organizational websites that are accessible to all members.


Organizations that require identity information can also place a statement on the data request form regarding the state’s Public Information Act.


There are notably more articles in publications outlining the concerns and possible solutions to identity theft. Take action before something happens to inform your clients about alternate identifier systems.


Organizations that maintain SSNs in their system of records should consider encryption of this data. Encrypting data is a good way to protect sensitive information. It ensures that the data can only be read by the person who is authorized to have access to it.


The federal government has required encryption of sensitive data stored on its laptops since the 2006 theft of computer equipment that contained data on 26.5 million veterans. Many organizations in business sectors such as banking and healthcare employ various types of encryption software and firewalls to safeguard data they maintain.


Use Employee Disclosure Statement


You can take action to decrease the risk of improper SSN disclosure by staff and employees. Require that personnel handling documents containing confidential information sign a disclosure statement.


For example, some educational institutions include references to the Family Educational Rights and Privacy Act (FERPA) and the fact that the handler of such documents may be subject to criminal prosecution and civil penalties, as well as disciplinary action by their employer, if they improperly disclose confidential information.


Establish Staff Responsibility


Some organizations have taken the progressive step of creating a Chief Privacy Officer position for oversight of all issues involving record security, including protection of SSNs maintained in the organization’s files.


Comply with State Regulations


Many states have enacted laws that place certain restrictions on the use of SSNs. Check with your state to see what is required.


PRACTICES TO AVOID


Never list an SSN when posting a paper record on a public bulletin board


Never send SSNs via an electronic format


Never have a computer log-in system where a person has to use their SSN


Never use SSNs on ID cards


Never send SSNs on postcards


Never store SSNs on unprotected computer systems


Never carry a Social Security Number card on your person


RESOURCES: PREVENTING IDENTITY THEFT AND EFFECTIVELY RESPONDING


The issue of improper or unnecessary use of SSNs is still very much on the public’s radar. The Office of the Inspector General (OIG) returned to this issue in a 2011 field hearing concerning use and protection of SSNs and child identity theft. and has audited use and protection of SSNs by hospitals. schools and prisons, not to mention SSA itself.


You can find other recent OIG Audit reports at http://oig. ssa. gov/audits-and-investigations/audit-reports/all . Also, there have been several bills in Congress on the general issue of use of SSNs as identifiers which, if passed, could make the issue very current again http://thomas. loc. gov/.


There are a number of resources which provide additional information on dealing with identity theft and how to prevent it, including:


FTC is the lead federal agency on identity theft. Their website is http://www. consumer. gov/idtheft/


SSA offers a great deal of information on SSNs on our internet site at http://www. ssa. gov/ssnumber/.


If you represent an educational institution and you are a member of the American Association of Collegiate Registrars and Admissions Officers (AACRAO), the Middle States Association of Collegiate Registrars and Admissions Officers (MSACRAO), or a similar organization explore your group’s resources on the topics of FERPA compliance and protection of SSNs.


To obtain additional information, please visit www. socialsecurity. gov.


If you have questions or would like a presentation on Protecting the Social Security Number or on a variety of other Social Security topics, please contact your local Public Affairs Specialist listed at the Philadelphia Region Public Affairs web page


This is the official web page of the Philadelphia Region, U. S. Social Security Administration. If you have comments about the design or function of this web page, you may contact the Webmaster. Because the Internet is not secure, please do not send any personal information, especially social security numbers, in your feedback.


Monitoring Services: Stay Informed of Important Activity


AllClear Credit Monitoring


AllClear Credit Monitoring keeps you informed of new credit activity by sending alerts when banks and creditors use your identity to open new accounts. Our patented technology eliminates repetitive and non-urgent email alerts common with other products, ensuring that you know just when to take action. May include Triple Bureau Option. 1


AllClear Credit Monitoring includes:


Identity Repair . Because Identity Repair is so important, we include it with all of our services. If you become a victim of identity theft, a dedicated investigator will help repair your identity.


Identity Theft Monitoring . This service operates in partnership with the National Cyber-Forensics & Training Alliance (NCFTA), which runs a global clearinghouse for stolen credentials. Federal law enforcement agencies, other government agencies, businesses, and academia find compromised consumer data through research and fraud prevention work and report the information to the NCFTA. When we receive compromised data from the NCFTA that matches yours, we alert you.


Fast and Secure Phone Alerts . Our exclusive, patented 2 alert technology keeps you informed of how your identity is being used. Your secure Voice Key also confirms that calls from AllClear ID are legitimate—not a phone scam or potential thief.


Immediate Support from an AllClear Investigator . If you receive a secure phone alert and suspect fraud, simply press the * key, and you will be connected immediately to one of our expert investigators.


$1 Million in Identity Theft Insurance Coverage . Provides reimbursement of certain fees, lost wages, and fraud losses related to identity recovery. There is no deductible for this insurance. 3


Lost Wallet Protection . AllClear Investigators help cancel and replace your credit and debit cards if your wallet is lost or stolen.


ChildScan Monitoring is available for those under 18. Databases are scanned to detect unauthorized use of a child’s Social Security number. In the event of fraud, the parent or guardian receives an alert, and an AllClear Investigator will conduct a full inquiry and help repair the child’s identity.


How to Enroll in Monitoring Services


Enrollment is required to use monitoring services, and you must provide your personal information to AllClear ID to enroll.


Check your notification letter, flyer, or email for enrollment instructions.


Go to the website or call the phone number specified in your notification to complete the enrollment process using your redemption code.


After enrollment is complete, additional steps are required to activate your phone alerts.


There is no deadline to enroll, but services are valid only during your coverage period.


Renewing Monitoring Services:


About 1 month before your service expires, you will receive an email or phone call from AllClear ID asking if you wish to renew. If you choose to continue your services after the original coverage period has expired, you will be asked to enter payment information.


AllClear Identity Theft Monitoring


How do I know if I have access to monitoring services?


Identity Guard Vs Lifelock


Will The Best Identity Theft Service Please Stand Up?


This is a comparison between the flagship services of Lifelock and Identity Guard: Lifelock’s Ultimate Plus and Identity Guard’s Platinum .


One reason we won the cold war is we simply outspent the Soviet Union. It was nearly impossible for an economy based on centralized planning to keep up with a capitalist economy. Things like tanks, ships, and fighter jets are notoriously expensive to buy and maintain and the Soviet Union literally bankrupt themselves trying to keep up. (The real nail on the coffin was Reagan’s Star Wars Initiative.)


Identity Guard and especially Lifelock have taken the United States playbook and must be outspending their competition at some obscene ratio. Their advertisements are everywhere: on the web, television, print media, and on the radio. One of the likely reasons you’ve found this page is you’re considering an identity theft service and have heard about Lifelock or Identity Guard. That’s the power of branding.


Lifelock


In its early days Lifelock revolved their protection services around setting and renewing fraud alerts. Several lawsuits later, Lifelock has adopted a more detection focused approach much like Identity Guard’s Total Protection and Platinum.


Lifelock introduced Command Center in December 2009 amid much fanfare and it’s a much needed upgrade from their original service. This service eventually evolved into Lifelock Advantage and Lifelock Ultimate Plus. Lifelock will now scan public databases, court records, and even sex offender registry reports for your information.


With this new service Lifelock is essentially admitting that’s it’s near impossible to prevent identity theft and instead focuses on an early warning system to prevent the theft from getting beyond your control to resolve it.


Identity Guard


Identity Guard of course has been singing this tune all along. While Lifelock probably has more brand recognition, Identity Guard from Intersections Inc. has been successfully fighting identity theft for more than 18 years and for some of the biggest names in financial services.


So how do these two detection services compare?


Compare plans


Precio


Promoción


3 Bureau Credit Score


Credit Score Updates


3 Bureau Credit Reports


Credit Reports Updates


Credit Bureau Monitoring


Address Protection


Scans for Social Security Number


Scans for Credit Cards


Monitors Bank Accounts


Monitors Public Records


Darknet Monitoring


PC Keyboard Encryption


PC Anti-Virus Software


Ultimate Plus


Platinum


If you’ve done any research you’ll realize most comparison charts can be manipulated to highlight or hide selected features.


Although we are licensed affiliates of both Lifelock and Identity Guard, we are sincere about providing our readers with objective and accurate information. There are several Lifelock features such as Data Breech reporting that we’ve omitted because we feel that while they may provide for great marketing copy, the utility to consumers is negligible.


We have chosen to highlight what we believe is the largest difference between the two largest identity protection competitors and illustrate the value of choosing Identity Guard over Lifelock.


The Importance of Monitoring Your Credit Score and Credit Report


If we can agree that it’s impossible to prevent identity theft then it’s not a large step to realize the value of frequent updates. While Lifelock Ultimate Plus checks your credit report and score, it only updates them once a year. Identity Guard updates them monthly . It’s a significant difference that can have an immense effect on the damage identity thieves can inflict.


While Lifelock makes a big deal about scanning public records, sex offender reports, and now data breaches, these may initially sound impressive but if you did a little bit deeper, the actually benefit to consumers is dubious.


For example, the new Data Breach notifications is simply letting you know about data breaches as they’re reported in the news. A feature anybody can simply duplicate by setting up a google alert.


It’s the same with Sex Offender Registry Reports. You receive reports when sex offenders move into your zip code. While helpful, it’s nothing you can’t accomplish be visiting free public sites and something that’s at best tangentially related to preventing or monitoring identity theft.


So Why Doesn’t Lifelock Offer Credit Monitoring?


While it’s true that identity theft occurs beyond your credit report, experts agree the best way to detect identity theft is through monitoring your credit report.


So why does Lifelock leave this important feature out? Only Lifelock knows but I’d hazard a guess it has something to with the costs involved. Identity Guard pays the three major credit reporting agencies (TransUnion, Equifax, Experian) for access to the credit reports. Somebody in Lifelock’s management decided to pursue detection technology outside your credit report.


It’s not hard to understand the strategic thinking behind this decision. This way Lifelock isn’t beholden to the credit reporting agencies it has a somewhat fractious relationship with and can offer consumers services unique to Lifelock instead of a clone of more traditional protection services.


But by not offering credit monitoring services is Lifelock shortchanging their customers? I think so.


Will an identity thief will be better detected by monitoring court records and sex offender registry reports or by the daily monitoring of all three credit reports? There’s a strong financial incentive for identity thieves to profit and if that’s the case, your credit report is where they’re going to be doing the most damage.


*I was contacted by Identity Guard to correct some inaccurate information. Identity guard DOES monitor payday loan activity and sex offender registry reports through ID Analytics. In addition, public records and court records are also scanned within the Public record Monitoring feature. Looks like some of Lifelock Ultimate Plus’s unique features aren’t so unique after all.


Opinion


Lifelock built its entire protection service around placing and renewing fraud alerts. Lifelock was doing this when nobody else was and if imitation is the sincerest form of flattery, then Lifelock should be flattered.


There are numerous companies that imitate what Lifelock does. They were also the first to offer a million dollar guarantee which everybody also copied. Throw in a CEO who publicly announces his social security number in the press and dares identity thieves to steal it, and it’s no wonder Lifelock is the market leader. Lifelock has brilliant marketing and it resonates with consumers. But while all this may sound lovely at a shareholder meeting, is it truly effective? Is it better than credit monitoring?


If it’s Lifelock or nothing, by all means choose Lifelock. Get some measure of protection for your identity. But if its a choice between monitoring everything outside your credit report and monitoring your credit report, I choose credit monitoring.


There is simply no way to guarantee the security of your personal information. Monitoring your credit file daily for any changes is the best way to protect your identity, your property, and your life.


How Do We Evaluate Identity Theft Services?


There are thousands of review sites reviewing everything from diet pills to mobile phones. At IDProtectionGuide. net, we focus all our resources and expertise on one subject, analyzing, comparing and reviewing identity theft services. Find our more about how we test.


Write For Us


At IDProtectionGuide, we want to position ourselves as the ultimate resource for identity theft services. The only way we know how to do that is by offering our readers the best information out there and that means involving the experiences of our community. Más información


© 2008 - 2017 IDProtectionGuide is a service from the unignorance family of consumer websites. Todos los derechos reservados.


Opciones binarias


It’s time for new and exciting trading opportunities! NordFX is pleased to announce the launch of its Binary Options platform ( binary. nordfx. com ).


Binary options are both a very simple and high-yielding tool. All you need to do is invest, select an asset and make a prediction whether the price for the asset will go up or down by a certain time (expiry).


Trading binary options with NordFX, you get:


Minimal deposit $1 / 1€


Easy-to-understand trading principles


Potential profits known as you open a position


6 types of options: Binary Options, One Touch, 60 Seconds, Pairs, Long Term, Ladder


A wide range of trading assets: currencies, stocks, commodities and indices


Newsfeed to be updated on all key market events and make educated decisions


High returns, ease of use, controlled risks set binary options apart and make them an excellent and quite safe way to enter the financial market for the first time.


NordFX stays true to its priority to offer you the best and the latest on the market, and we trust that with our binary options platform your trading will become ever more engaging, diverse and profitable.


Sign up and enjoy quick and easy returns!


Almost 10 million Americans become victims of identity theft each year. I became a victim in 2001. I've researched identity theft extensively to protect myself and help others. I want to help you avoid this nightmare.


Your odds of becoming a victim are greatly reduced with knowledge, awareness, and detection. Take action now to avoid becoming the next identity theft victim.


Book the real Danny Lents to speak to your group about identity theft:


Seminar Flyer ( pdf file )


Identity Theft Preventive Measures


You can never be 100% protected from identity thieves, but you can do a lot to make it difficult for thieves to get your information. Early detection is the key. An average of 12 months pass by before most people realize they are victims of Identity Theft.


Visit www. MyIdScore. com to get a free assessment of your ID theft risk. ID Analytics searches their real-time database that includes billions of records to look for unusual activity. This service cannot rule out all potential ID theft activity but it can serve as a possible warning if there is unusual activity using your name. You do not have to enter your social security number


Free Annual Credit reports


Credit bureaus, also known as Credit Reporting Agencies, maintain your credit history files. Order your credit report at least once each year from all three of the major credit bureaus to detect evidence of identity theft. Reviewing your credit report is the best tool to detect identity theft.


Thanks to the Fair and Accurate Credit Transactions Act (FACTA), all Americans can receive one free credit report from each bureau annually. Identity theft victims can receive two copies from each bureau in the year the theft occurs. ordered online, by phone, or by mail.


Online: www. annualcreditreport. com ( Don't confuse this with other web sites that claim to offer 'free credit reports'. Some sites claim a free service that automatically converts to a monthly fee if you don't cancel your membership after a trial period. Also be aware of sites with slightly misspelled versions of the web site name. The Federal Trade Commission has an informative web site about the free annual credit report at this link .)


Mail: Mail the request form to: Annual Credit Report Request Service P. O. Box 105281 Atlanta, GA 30348-5281


You can order all three free credit reports at the same time, but it's a better idea to stagger your credit report orders to get a snapshot throughout the year. Your spouse should order their credit reports between your orders as shown in this figure. Schedule reminders in your phone right now.


Review your credit reports thoroughly for suspicious charges and credit inquires that represent attempts to open an account in your name. Incorrect addresses are also a clue a thief may have attempted to get a credit card in your name.


Additional Credit reports


The three major credit bureaus are Equifax, Experian, and TransUnion. Each bureau will sell you credit reports for a small fee if you want additional credit reports after ordering your free reports. You can order additional credit reports through a credit bureau web site, by phone, or by mail as shown below.


You can request additional free credit reports when you submit fraud alerts .


Credit Bureau Contact Info


Order Credit Reports Online: www. equifax. com Phone: 1-800-685-1111 Mail: P. O. Box 740241 Atlanta, GA 30374-0241


Report Fraud Phone: 1-800-525-6285 Mail: P. O. Box 740241 Atlanta, GA 30374-0241


Order Credit Reports Online: www. experian. com Phone: 1-888-EXPERIAN (397-3742) Mail: P. O. Box 2104 Allen TX 75013


Report Fraud Phone: 1-888-EXPERIAN (397-3742) P. O. Box 9532, Allen TX 75013


Order Credit Reports Online: www. transunion. com Phone: 1-800-916-8800 Mail: P. O. Box 1000 Chester, PA 19022


Report Fraud Phone: 1-800-680-7289 Mail: Victim Assistance Division P. O. Box 6790 Fullerton, CA 92634


Fraud Alerts and Credit Freezes


Fraud alerts and credit freezes make it harder for your thief to get new credit in your name.


Fraud alerts place an ID theft warning statement and your phone numbers at the bottom of your credit report. A creditor is required by law to contact you before issuing credit. This will give you an opportunity to stop your thief. A fraud alert will provide you with an opportunity to order one free credit report from each of the three credit bureaus anytime within 12 months after the fraud alert date. This is in addition to the free annual reports, which means you can get a total of 6 free credit reports a year. You can order a free report every two months, kind of like a free version of a credit monitoring service! Click this link for more information about fraud alerts.


A credit freeze. also known as a security freeze, provides a method to prevent anyone from looking at your credit report without your involvement. You have to provide a personal identification number (PIN) to the credit bureau to "thaw" out your credit report and allow access by someone you authorize. This will stop your thief from applying for new credit where a merchant requires a credit report to authorize credit.


Free Specialty Reports


The FACT act has made other specialty reports available free of charge.


Stop those pre-approved credit card offers


Are you getting tired of all those pre-approved credit card offers in your mailbox? Your identity thief loves to steal them from your mailbox. You can stop them today.


Creditors pre-screen your credit history with the one or more of the credit bureaus before they mail a pre-approved credit card offer to you. That's where you have the power. You can stop the credit bureau pre-screening by calling 1-888-5OPTOUT (1-888-567- 8688). The three major credit bureaus use the same toll-free number to let consumers choose not to receive pre-screened credit offers. Make the call for each person in your family. You can also opt out through a single web site.


You will be able to


Opt-in ( an unwise decision )


Opt-out for five years


Opt out permanently ( a very wise decision )


Passwords


Put passwords on your credit card, credit union, retirement, and phone accounts and with any other financial relationship you have. Don't confuse this idea with the passwords you might use when logging into a web site. These passwords are used when you call or visit a business. For example, your bank should not talk to you on the phone or at the teller without asking your for this password.


Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers. Test the businesses occasionally to ensure they continue to ask for your password.


You definitely want to avoid the situation where the identity thief sets up a password of his choosing with your financial institutions. Imagine the surprise when you call your credit card company and they inform you that they can't share information with you without the password! It has happened. Put passwords on your accounts before the thief has an opportunity to do it.


Guard your mail from theft


Deposit outgoing mail in post office collection boxes or at your local post office. Promptly remove mail from an unlocked mailbox. Replace curbside mailboxes with lockable boxes. Your postman won't be able to pick up mail from your box but he'll still be able to deliver it.


Contact the post office to request your mail be held at the post office if you will be away for a while. You can request a mail hold online at https://dunsapp. usps. gov/HoldMail. jsp or call 1-800-275-8777.


Pick up check orders from your credit union instead of having them mailed to your house.


Be aware of when monthly bills, statements, and other sensitive information normally arrive in your mailbox. Missing mail could be an indicator that identity thieves are stealing your mail. A missing credit card bill could mean your thief has taken over your credit card account and changed your billing address. Contact the credit card issuer if you apply for a credit card and it doesn't arrive in the mail within a reasonable amount of time.


Protection against insiders


Contact your employer and businesses that maintain records on you. Find out who has access to your personal information and how it is handled. Verify that they keep your records in a secure location.


Does your dentist leave patient records unlocked after business hours giving full access to the cleaning crew? Ask your dentist why he/she feels comfortable putting you at risk. Don't accept the answer " my cleaning crew is bonded". Thieves are not concerned about that. A bonded crew may protect your dentist but it won't protect you.


Protect Your Computer


Learn about potential threats and ways to protect your computer. Visit StaySafeOnline. org to learn more about computer use safety.


Avoid Phishing Attempts


A fisherman doesn't catch all the fish in the sea when he casts his net but he will capture enough to make it worthwhile. Identity thieves can also 'cast a wide net' for ph ishing by sending out thousands of emails with the press of a button. The emails contain bait to lure the unsuspecting victims. The phishing emails try to instill a sense of urgency or tempt you with amazing opportunities to get rich quick.


Don't click on links in emails or reply to them if you don't know the sender or you suspect a phishing attempt.


Fake web sites are also used for phishing attempts. Some phishing sites use typosquatting to trick an unsuspecting user. The identity thieves will register domains with web addresses very close to commonly used web sites to collect passwords, credit card numbers, social security numbers and other interesting pieces of information. The World Privacy Forum identified 96 domains that are similar to www. annualcreditreport. com.


Your web browser has settings to help you avoid phishing web sites by comparing links to databases of known phishing sites.


IE7 - Select Tools >Phishing Filter > Turn On Automatic Web site Checking and then press OK


FireFox - The phishing filter is enabled by default using a downloaded list of known phishing sites. You can use Google's updated list of phishing sites by selecting Tools > Opciones & gt; Security and then selecting 'Check by asking Google about each site I visit'.


Protect your social security number


The Social Security Act was enacted in August 1935. A byproduct of this legislation was the decision to assign every citizen who qualified for social security benefits and/or contributed a social security tax the unique record identifier that is widely known as the Social Security Number. The intention from the beginning was that the SSN be a primary identifier only within the Social Security Administration. ¿Que pasó?


Your social security number is used everywhere today. It's the perfect unique identifier used by computer databases in all aspects of business. Sadly, the SSN is even used as a student ID in many universities. The ubiquitous use of the SSN is exactly what makes it so valuable to the identity thief.


Give your SSN only when absolutely necessary. Sometimes businesses want your SSN for simple record keeping. Ask to use other types of identifiers when possible.


Don't put your SSN on your checks and don't let a merchant do it either.


Don't carry your social security card; leave it in a secure place.


Ask businesses not to print your SSN on documents sent through the mail.


Don't list sensitive information on social networking sites like MySpace, Facebook, or LinkedIn.


If a business/organization insists you provide your SSN, ask about their data protection policies and how they handle data breaches.


Protect the deceased


Keep some information out of the obituary.


Use year of birth instead of month, day, and year.


Don't put addresses. ( ID thieves and burglars like this info ).


Notify the Social Security Administration of the death.


Call 800-772-1213


The hearing impaired can call 800-325-0778


Cancel all credit cards and other financial accounts in the deceased's name.


Use certified mail to send copies of the death certificate to all three credit bureaus and request that a "deceased" alert be added to their credit report. Equifax Office of Fraud Assistance PO Box 105069 Atlanta, GA 30348 Experian PO Box 9530 Allen, TX 75013 TransUnion PO Box 6790 Fullerton, CA 92834


Cancel driver's license to prevent duplicates from being issued.


Order a credit report for the deceased several weeks after their death to check for suspicious activity.


Destroy Your Hard Drive - Computer & Copy Machine


Don't throw away your computer without completely destroying the data on the hard drive.


Digital copy machines contain hard drives too. Has your copy machine ever been used to copy, scan, or print documents with sensitive information? Read "Copier Data Security: A Guide for Business from the Federal Trade Commission.


What's in your wallet or purse?


Minimize the identification information and the number of credit cards you carry to what you'll actually need. What will your identity thief get if he stole your wallet or purse right now? Take some time now to make copies of the important items - credit cards, ID cards, ATM cards, etc. Make a contact list of the fraud departments for each account.


Do you really need to carry two or more credit cards?


You rarely need your social security card - please don't carry it with you.


Monitor and Protect Financial Accounts


Check your bank and credit card statements thoroughly and frequently. Online accounts make this job much easier and increase your odds of early detection.


Sign up with your bank and credit card company to email alerts or text alerts to your cell phone.


Use virtual credit card numbers when possible. Many credit card companies offer this service where you can create a temporary credit card number online. You choose the expiration date and credit limit. Your account will still be charged but a thief would have limited capacity to abuse the temporary number. You have limited liability with credit purchases so you may not put much value in the virtual credit card number. It's still a good idea to make life harder for the thief. Also consider that losses absorbed by the credit card companies will eventually be passed on to consumers.


Consider the following if you have to use checks:


Check printing ideas


Use initials for your first and middle name. The thief may have to guess at your name when forging your check.


Use your cell phone instead of your home number.


Never print your social security number or drivers license number.


Use a P. O. Box address if you have one instead of your home address.


When writing a check to pay a credit card account, only list the last 4 digits on the For line.


Have check orders delivered to your bank or credit union for pick-up instead of your home mailbox.


Protect Your Paper Documents


You have documents everywhere -- in your car, your home, your desk drawer at work. Lock up any documents containing identifying information. Don't make it easy for others to have access in open view or in an unlocked container.


Shred, Shred, Shred


Get in the habit of using a cross-cut shredder to shred all documents with information you're not willing to share with others. Inquire about the shredding policies of businesses that maintain information about you. Put your garbage on the curb on the day of collection. Don't allow a thief to have access to your garbage during the cover of darkness.


Medical Identity Fraud


Medical identity theft happens when someone uses your identity to get medical care, prescriptions, insurance, and other medically related services.


Visit the Medical Identity Fraud Alliance to learn more about medical identity theft and ways to avoid the crime.


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wiseGEEK: What are the Best Options for Identity Theft Protection?


Identity theft protection is a way of reducing your risk of becoming a victim of financial fraud. There are services that you can hire or a series of steps that you can take to reduce your risk. Identity theft occurs when someone uses your identity, credit report or property to obtain credit or financial instruments, such as loans or lines of credit.


There are three steps that you can take to increase your identity theft protection. reconcile your accounts regularly, use cash, and shred your personal documents. The steps necessary are simple, but require personal discipline to complete every month. Reconciling your bank account and credit cards is a fairly simple process, but one that most people avoid doing. The process is quite simple and involves two steps: keeping payment receipts and checking them against your monthly account statements. At the end of each month, set aside one hour to review your statements for additional activity.


Print out your account statements and check every single transaction against your receipts. Mark off the total value and date against the receipt. Check for any transactions that you do not have a receipt for. Contact the credit card company and ask for a copy of the receipt. This simple process can be done each month to track account activity to find unauthorized transactions and improve your identity theft protection.


Use cash to make your purchases. Identity theft requires information that is readily available in electronic transactions, but not with cash. The use of cash reduces your exposure to illegal data capture devices, Carry only a minimal amount of personal identification with you. If your wallet or purse is stolen, report it immediately.


Reduce your risk of identity theft by shredding all personal documents before throwing them out. Identify thieves often obtain personal information, such as your name, drivers license, address and other personal data from your trash. Purchase a small home shredder, use it for all documents with your name, and address on it.


There are services available from credit cards, banks and credit reporting firms that provide identity theft protection. These services charge an average of $15 US Dollars (USD) per month for monitoring every credit card and bank account that you have. Investigate these services before signing a contact to determine the exact level of support they are providing. Look for a liability amount to find out the level of coverage provided. Read the details of the contract very carefully, as many of these services have a minimum contract length of three months.


Exploring Identity Theft Insurance Options


Identity theft is rampant – 10 million people reported the crime in 2008. As the crime has increased, so has potential solutions in the marketplace. A variety of insurance and other protection programs have been released the last several years and you should fully research them to make an educated decision before purchasing identity theft insurance.


Recent headlines about data breaches and losses of personal information have prompted many companies to advertise products or services to help consumers prevent or minimize their risk of identity theft.


The Federal Trade Commission (FTC), the nation’s consumer protection agency, says before you pay for an identity theft prevention product or service, make sure you understand exactly what you’re paying for. Many people find value and convenience in paying an outside party to help them exercise their rights and protect their information. At the same time, some rights and protections you have under federal or state laws can help you protect your identity and recover from identity theft at no cost. Knowing and understanding your rights can help you determine whether — or which — commercial products or services may be appropriate for you.


Fraud alerts


A fraud alert is a signal placed in your credit report or credit file to warn potential creditors that they must use what the law calls “reasonable policies and procedures” to verify your identity before they issue credit in your name. Fraud alerts may be effective at stopping someone from opening new credit accounts in your name, but they may not prevent the misuse of your existing accounts.


Under the federal Fair Credit Reporting Act (FCRA), you may be entitled to two kinds of free fraud alerts: initial and extended .


You may ask a consumer reporting company to place an initial fraud alert on your credit report if you suspect you have been, or are about to be, a victim of identity theft. This may be appropriate after your wallet or another source of personal information is lost or stolen. An initial fraud alert is good for 90 days, and can be renewed when appropriate. To place an initial fraud alert, call the toll-free fraud number of any one of the three national consumer reporting companies. The company you call is required to contact the other two; they, in turn, will place an alert on their versions of your report. Expect to receive a confirmation from each of the companies.


Experian: 1-888-EXPERIAN (397-3742)


When you place an initial fraud alert on your credit report, you’re entitled to order one free credit report from each of the consumer reporting companies; if you ask, only the last four digits of your Social Security number will appear on your reports.


If you have been a victim of identity theft, you may ask for an extended alert, which stays on your credit report for seven years. To get an extended fraud alert placed on your report, you will need to contact one of the credit bureaus, and provide an Identity Theft Report, such as a police report or other report to a law enforcement agency, including a report to the FTC. If your credit report has an extended alert, potential creditors must contact you in person, or by phone or some other method you have provided before they can issue credit in your name. When you place an extended alert on your credit report, you’re entitled to two free credit reports from each of the consumer reporting companies within 12 months. In addition, the consumer reporting companies must remove your name from marketing lists for pre-screened offers of credit for five years — unless you ask them to put your name back on the list.


Credit Freezes


A credit freeze allows you to restrict access to your credit report. If you place a freeze on your report, potential creditors and certain other people or businesses can’t get access to it unless you lift the freeze temporarily or permanently. For more information about credit freezes, check with your state attorney general’s office or visit www. naag. org .


Limiting access to your credit report makes it more difficult for identity thieves to open new accounts in your name. That’s because most creditors will need to view a credit file before opening a new account; if they can’t see the file, they may not extend the credit. Still, a credit freeze may not prevent the misuse of your existing accounts or certain other types of identity theft.


A credit freeze is different from a fraud alert in a number of ways. A freeze generally stops all access to your credit report, while a fraud alert permits creditors to get your report as long as they take steps to verify your identity. The availability of a credit freeze depends on state law or a consumer reporting company’s policies; fraud alerts are federal rights intended for consumers who believe they may have been, or actually have been, victims of identity theft. And some states charge a fee for placing or removing a freeze, although it is free to place or remove a fraud alert.


Most states have laws that allow consumers to place a credit freeze with consumer reporting companies. In many of these states, any consumer can freeze their credit file; in others, only identity theft victims can freeze their files. The cost of placing a credit freeze and the lead times vary. In many states, credit freezes are free for identity theft victims; other consumers typically are charged about $10 per credit reporting company. Contact your state attorney general for the particulars of your state’s freeze laws. To place a freeze, contact each of the nationwide consumer reporting companies because a credit freeze placed at one company is not referred to the other companies. And be aware that the three major credit reporting companies have begun offering credit freezes directly to consumers — for a fee — regardless of whether their state has a freeze law.


Placing a credit freeze does not affect your credit score, keep you from getting your free annual credit report, or keep you from buying your credit report or score. It doesn’t prevent you from opening a new account yourself, applying for a job, renting an apartment, or buying insurance, either. In these situations, the business usually needs to review your credit report. You can ask the consumer reporting company to lift your credit freeze temporarily, or remove it altogether. But the cost and lead times to lift or remove a freeze vary, so it’s wise to check with your state authorities or with a consumer reporting company in advance if possible.


Free Credit reports


Federal law gives every consumer the right to one free credit report from each nationwide consumer reporting company every 12 months. Staggering these reports — that is, getting a report from a different company every few months — can help you monitor activity on your credit reports. For more information, or to request your free credit reports, visit www. annualcreditreport. com .


Identity Theft Protection Products and Services for Sale


Identity theft protection companies offer a range of products and services for sale. Some allow you to “ lock ,” “ flag ,” or “ freeze ” your credit reports. Often, the companies advertising these services simply are offering to place a fraud alert or credit freeze on your report. These services also may renew or update your alerts or freezes automatically, as long as you continue to pay. Under the law, initial fraud alerts and renewals are available for free if you have reason to believe you have been — or are about to be — a victim of identity theft.


Some companies, including consumer reporting companies, offer subscriptions to credit monitoring services. These services track your credit report, and generally send you an email alert reflecting recent activity, such as an inquiry or new account. Typically, the more frequent or more detailed the report, the more expensive the service.


Some companies offer services to help you rebuild your identity in the event of identity theft. Typically, these services operate by obtaining a limited power of attorney from you, which enables the company to act on your behalf when dealing with consumer reporting companies, creditors, or other information sources.


Many companies may offer additional services, including removing your name from mailing lists or pre-screened offers of credit or insurance, representing your legal interests, “guaranteeing” reimbursement in the event you experience a loss due to identity theft, or helping you track down whether your personal information has been exposed online. Before you agree to pay for any of these services, read the fine print. You can get some of them yourself at no cost: for example, if you decide you don’t want to receive pre-screened offers of credit and insurance, you can opt out for five years or permanently by calling toll-free 1-888-5-OPTOUT (1-888-567-8688) or visiting www. optoutprescreen. com .


There are a variety of options for identity theft insurance. Make sure you understand exactly what the firm is offering before you commit to a monthly fee for a service you may or may not need.


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The Best UK Binary Options Brokers


Top Brokers For UK Traders


Binary Options are very popular in the UK. This method of trading owes its roots to this region, with several brokers first starting their operations here. New traders are spoiled for choice. They can can pick from a huge universe of brokers.


There are no restrictions placed on the contracts or assets that can be traded. In a brokers asset Index you will find a comprehensive range of Currency Pairs, Indices. Stocks and popular Commodities. You can also trade all popular contracts including Higher/ Lower, Touch, Boundary, Pairs and 60 seconds binary contracts .


Best UK Binary Options Brokers


Banc De Binary & # 8211; With such a range of brokers on offer to UK traders a company has to stand out to make our pick. Banc de Binary is a top broker that is regulated and well established. It offers pretty much all of the features a trader could want. Good pricing and a wide range of assets make it a sensible choice. It also has responsive support should you need it.


24Option – Offering a platform based on the Techfinancials platform, 24Option is head to head with the leading brokers. It offers a good trading environment, excellent pricing and advanced trading features. Like our other recommended brokers it also provides mobile trading apps.


Account Opening


Getting started is easy. Completion of a simple online form is all that is need to take advantage of the free registration that brokers offer. The data protection act in the UK and strict regulation will that a broker will require some ID from you before you can withdraw from your account. This is a onetime process however. It is designed to prevent money laundering, identify theft and other scam activates.


Despite the popularity of binary trading in the United Kingdom, not all brokers offer the ability to run an account in GBP (Great British Pounds). Those that do will require you to designate GBP at the time of account opening.


Apoyo


Competition among broker has intensified in recent times. You will now find that many are offering VIP level accounts. These offer greater trading features and bonuses. Many ‘higher level’ accounts also give access to personal trading assistants, free analysis and advanced bonuses. A common bonus is the ‘risk free trade’. This lets you trade with no risk of loss for one trade.


In general even standard level accounts have seen an increase in the level of support provided. As well as offering materials to assist the trader, it is now easier than ever to contact your broker. As well as email support teams, you can contract brokers via online chat and telephone. Many offer toll free numbers with dedicated assistants ready to help in your region.


Financial Regulation In the United Kingdom


The UK market offers some of the strictest levels of regulation in the world. Financial operations are overseen by the Financial Conduct Authority (FCA). This body holds responsibility for all financial activity in the United Kingdom. It helps to ensure that activities of companies operating or offering services to UK domiciles are legal and carried out in an honest manner.


Many brokers offering services within the UK fall under the remit of financial authorities that are trusted and recognized by the FCA. This includes the Cypress Securities and Exchange Commission (CySEC). As a member state of the EU, this affords British investors similar levels of financial safeguards.


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Comparing LifeLock to Other Identity Theft Services


Concerned about identity theft? If so, you have come to the right place. Unfortunately identity theft has become all too common. But, how could you possible know before it’s too late? You wouldn’t, so that is why identity theft protection service companies have become necessary these days. Lifelock continues to be a leader in the identity theft service industry and is still a great choice, however, there are other great options too. The best way to know which is right for you is to compare their main features. Have a look at the identity theft comparison chart to compare the best identity theft services available.


Free 30-day trial; $14.99/mo (after our limited time 25% discount)


Monitors 3-bureau credit report, credit cards, public records, social security number, bank accounts, applications, Internet security


$1,000,000 insurance


All 3 bureau credit scores and a public record report each quarter


ZoneAlarm Internet security suite; anti-keylogging software


Overall, Identity Guard is the most complete identity theft protection service reviewed.


TrustedID Review


TrustedID – The Company


TrustedID burst on to the scene in 2005 and has been a leader in providing identity theft protection to consumers ever since. Originally funded by two leading venture capital firms: Draper Fisher Jurvetson and Opus Capital Ventures, TrustedID is one of only two identity theft protection companies recognized by The Identity Theft Resource Center, a nationally respected non-profit organization dedicated exclusively to the understanding and prevention of identity theft. In July of 2017 TrustedID was purchased by Equifax.


The service has been highlighted in the Wall Street Journal, the New York Times, Newsweek and Time magazine and CNNMoney. com. TrustedID wass also endorsed by financial expert Suze Orman and Javelin Strategy and Research rated TrustedID best in class. That’s two powerful testimonials and our opinion doesn’t differ… they are definitely a premier identity theft protection company.


TrustedID’s flagship service IDEssentials™ includes instant access to your 3-Bureau credit report, score and daily monitoring of your credit activities as well as everything listed below.


About IDEssentials


With its IDEssentials product, TrustedID helps protect consumers from identity theft. In total it provides over a dozen services and in the unlikely event identity theft occurs, or unbeknownst to you has already occurred, their certified identity protection specialists are available 24/7. It is a comprehensive and proactive identity protection plan that helps prevent thieves from damaging your credit and good name. Details are as follows.


Identity Threat Score and Monitoring Service


New to Trusted ID is an identity threat score that assesses an individual’s risk of identity theft by constantly monitoring millions of records on thousands of public and private databases where your personal and financial information is stored. Their system uses advanced technology to analyze this information for patterns that could indicate you have been or are about to become a victim of identity theft.


Based on your score, which is calculated on a scale of 0 to 1000 with 0 being safe and 1000 indicating your identity is at extreme risk. Every time they detect activity that may affect your risk, they will alert you with the details and provide you a new Identity Threat Score. Plus, they will automatically recalculate your score every month to reflect any new activity.


TrustedID has dramatically expanded the amount of information monitored to detect changes in your identity and the new and recently improved Identity Threat Score offers increased accuracy. You will be able to view score details, including, in many cases, the specific events affecting your score such as new cellular account opened, payday loan initiated or checks ordered from your bank – information that does not get reported to the credit bureaus.


If you have a medium to high score, a sudden negative change, or see anything unusual or suspicious you should contact TrustedID’s On-Call Protection Specialists who will provide assistance in ensuring that necessary steps are taken to lower your risk and proactively protect your identity. In fact, that’s why they are there…. to answer any questions about your score and to assist in the event that your score and monitoring reveal any unusual activity. When you have access to specialists you would be well advised to use them.


Stay ahead of identity thieves


You will receive an email if TrustedID notices any unusual activity on your file as soon as it occurs to help thwart any attempts to compromise your information, or if it finds your information online in a place where it shouldn’t be. They do this by routinely scanning the black market internet, where your personal information is bought and sold by thieves, for things like you Social Security number, credit card and bank account numbers, and your name and address.


Other Key Benefits


*Credit Reports TrustedID will order your credit reports for all three major bureaus so you can review them for accuracy and any unusual or suspicious activity.


*Stop unsolicited credit checks As it stands, credit card companies have permission to check your credit report to send you preapproved credit offers. As part of standard service, TrustedID will remove your name and information from solicitors’ lists so that you will no longer receive these offers and third parties will not have access to your private credit information. The service will also reduce other types of junk mail.


*Medical Benefit Check Also included is a review of your medical benefit statements to ensure that you and your family are the only ones being treated with your medical benefits.


*Computer Protection TrustedID includes Anti-Spyware, Anti-Phishing and Key-logging protection software that works with other internet security software to help protect your computer and thus you from unscrupulous attacks.


*Facebook Privacy Manager Helps protect your Facebook account by ensuring your privacy settings are not providing information that may put you at further risk for identity theft.


Feel secure with $1,000,000 Service Warranty


TrustedID offers a service warranty backed by AIG and Lloyd’s of London for up to a million dollars to cover out of pocket expenses if identity theft does occur while you’re using the service. This money can be used to cover expenses you incur in recovering your good name, such as application fees for new credit, legal fees, and any missed work due to problems with your employment qualifications or need to restore your identity. Lost wages are paid to a maximum of 4 weeks or $5,000.


TrustedID does not outsource their restoration services so you will also gain access to professional company-provided services to help you restore your identity as quickly and efficiently as possible. This is far more important then most people realize and certainly appreciated by anyone who falls victim. As with any insurance or warranty you should check the full details on the company site.


Credit Monitoring, Reports and Scores Done Right!


IDEssentials, TrustedID’s award winning identity protection service includes all of the the features above but also adds credit monitoring, reports and scores from all 3 bureaus.


TrustedID monitors your credit daily at all 3 bureaus (Equifax, Experian and TransUnion) providing you with notification of any pertinent changes. They also give you a credit report from each bureau so that you can ensure it is accurate and there are no signs of identity theft. For those interested in monitoring their credit score in addition to identity theft protection you will be happy to know that your score from each bureau is also provided.


precio


The price is $170 per year or $300 per year for family protection. Monthly pricing is also available but you do save a bit with a yearly subscription.


IDEssentials includes a 14 day free trial accessed by clicking this link . Link will bring you to TrustedID’s secure website where you can choose to enroll monthly or yearly.


The family plan includes protection for all adults and children living under the same roof with the exception of credit monitoring services, scores and reports which are available for only two adults – still, this is a great cost-savings when you compare it to other credit monitoring and score providers. In fact, at $300 per year it’s the lowest priced comprehensive offering available and a fantastic deal.


Additional Options/Services/Notes


Thwart unauthorized credit accounts


With TrustedID’s Fraud Alert Reminder service, they help you ensure your fraud alerts are renewed with the credit bureaus every 90 days. A fraud alert can be placed by anyone who has a legitimate belief that they have or will become a victim of identity theft. A fraud alert makes it very difficult for thieves to open credit accounts in your name without your permission.


Simply put, a fraud alert placed on your credit file legally requires all creditors to verify your identity (often done by calling the phone number in your file) before approving any credit request whether it be a loan, credit card, or utility subscription. This can allow you to stop unauthorized account activity before it happens. The only downside is that it can be a bit of a hassle for those who require credit with any frequency, but it is optional and highly recommended by us for anyone who believes they are an identity theft victim or under attack.


Put your credit under lock and key


TrustedID is also the only company that allows you the ability to “freeze” your credit at your discretion for an additional fee. You could do this yourself but having one centralized place to handle freezing and unfreezing your accounts at all 3 bureaus does streamline the process. Pricing for CreditLock varies by state.


A word on TrustedID’s customer service


TrustedID has a 24-hour customer service line staffed by experts in the field. A road test of their toll-free customer service number revealed that their call center is not outsourced, all staff are Americans and the quality of service is excellent.


The customer service team was found to be very professional with extensive product knowledge and a willingness to answer all questions thoroughly and go the extra mile where necessary. They were also determined to find the right product for the consumer’s needs only suggesting the additional CreditLock service where it was apparent the consumer may need it due to increased risk.


Over nine million people have their identities stolen every year, according to a study by the Better Business Bureau and Javelin Strategy & Research. Do not let this grave inconvenience and potential financial hardship happen to your family.


Protect yourself, and your loved ones, from identity theft today.


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Identity Theft Protection


If somebody steals your Identity they can use it to gain access to your bank accounts and savings, create new debts in your name and commit other criminal offences for which you could be arrested and even jailed. Market Pro Secure provides two identity theft protection options - proactive and active. With proactive ID prevention your personal information is locked so that you alone can approve when and how it is used. Active protection will report Identity theft activity using your details but will not actually block it.


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LifeLock Proactive ID Theft Prevention 1


10% OFF Annual Subscription LifeLock is a proactive identity theft protection agency that locks down subscriber's private information. Nobody other than the individual covered can approve its use. Subscribers will also periodically receive credit reports from Equifax, Experian and TransUnion at no additional cost and their ID protection is backed up by a $ 1 Million guarantee. Registration requires a valid credit card. Lee mas


30-day free trial + 10% off coupon . The industry's most complete Identity Theft Protection service. The LifeLock ULTIMATE includes - The ULTIMATE in identity theft protection; 24/7 online access to your monthly TransUnion credit score; Daily monitoring of all three Credit bureau reports; LifeLock's $1 Million Total Service Guarantee* and Checking and Savings account application alerts


1 Registering with Market Pro Secure online you will get 10% OFF Annual Subscription instantly. LifeLock provides $1 Million Guarantee if the client ID is stolen. 2 Service Guarantee benefits for State of Washington members are provided under a Master Insurance Policy issued by United Specialty Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at LifeLock. com/legal.


Important information about Identity Theft Service Offers


The services are available for US residents only.


Subscribe to get "99 Ways to Save Money" ebook!


IDENTITY THEFT


Contact your U. S. Trust ® advisor to learn more about this topic.


The more you have, the more you're targeted, the more you can lose. Do you need more reasons to read this?


"I didn't think it could happen to me." When it comes to identity theft, that's a common refrain. Unfortunately, this type of fraud is on the rise, with more opportunities available for thieves in today's complex financial and electronic environment. And younger people are some of the most frequent targets.


Identity Theft: Just how easy is it to steal you?


Identity theft occurs when someone uses your name, Social Security number, date of birth or other identifying information without your authorization, with the intent to commit fraud. By stealing your personal information or even your child's, a thief can open credit cards, take out loans, empty bank accounts and ruin your credit and reputation. And with so many ways to find your personal information, from online hacking to dumpster diving, it's not difficult for identity thieves to get what they want.


How much money is lost to identity theft each year? 1


That's right!


Identity theft victims suffer nearly $25 billion in direct and indirect losses each year. That's more than the loss experienced from burglary, motor vehicle theft, and other property theft — combined.


Good guess, but it's actually $25 billion.


Identity theft victims suffer nearly $25 billion in direct and indirect losses each year. That's more than the loss experienced from burglary, motor vehicle theft, and other property theft — combined.


Number of Americans the Department of Justice estimates have their identities stolen each year. 2


Did you know affluent people are more likely to be identity-theft victims than those that are non-affluent? 2


See how much more


Why do you need to protect yourself?


While just about anyone can be a victim of identity theft, there are certain groups that are more likely to be targeted, and the young and wealthy are among them. In fact, the Department of Justice reports that the affluent are twice as likely to be targeted by identity thieves posing as representatives from financial institutions. 2 And once someone steals your identity, it can cost thousands of dollars or more and take hundreds of hours to resolve. So what should you do? Start by understanding the different types of identity theft, so you know where you need to be on alert. Here's an overview:


Thieves call or email, posing as financial companies asking for personal information.


Thieves search your trash or mailbox looking for financial statements.


Dishonest store employees steal credit/debit card numbers using a "skimmer" device.


Thieves call with offers or claims that you've won a prize and request your personal information.


Phony credit card check


Similar to phishing, a person calls posing as a credit card company employee and asks you to confirm your card number and other details.


Popular sites are searched for personal details.


This type of computer virus is used to steal personal data from your computer.


Thieves invade email, online accounts, computer networks, systems and databases to get your information.


Thieves observe you typing in a PIN or password at an ATM or other public place.


Where does identity theft most frequently take place during travel? 3


How can you avoid being a victim?


Education and vigilance are the best defenses against identity theft. Knowing what you need to look out for and making sure you routinely monitor and safeguard your personal information is essential. Here are some of the dos and don'ts to keep in mind:


click on links in unsolicited emails. They may take you to fraudulent sites asking for your personal data.


give information to just anyone. Know who's requesting it.


trust caller ID. Scammers can manipulate it to say anything.


carry your Social Security card. If you're robbed, you don't want it in a thief's hands.


buy a paper shredder. Rummaging through trash is a common form of identity theft.


check your credit report. Confirm its accuracy at each of the three major reporting agencies - Equifax. Experian and TransUnion .


install virus protection on your computer and keep the software up to date.


store important documents, such as bank statements and checks in a locked place.


consider getting ShopSafe ® from Bank of America as an extra layer of protection.


talk to a U. S. Trust advisor if you have questions about protecting your identity.


Keep an eye on your children and their social security numbers.


Stealing their ID is on the rise. 4


By buying dormant Social Security numbers, usually those assigned to children who've never used them, identity thieves establish phony credit and run up huge debts. 5


Younger consumers


are more likely to use debit cards for purchases online as well as in bars and restaurants, increasing the risk of theft. 5


So use your credit card instead to protect yourself.


What do you do if your identity is stolen?


If you think you've been a victim of identity theft, review your credit reports and place a fraud alert on them by contacting the three consumer reporting companies - Equifax. Experian and TransUnion. You should also close accounts that you know or suspect have been tampered with or opened fraudulently. Let the authorities know by filing a complaint with the Federal Trade Commission at 1-877-ID-THEFT, as well as with your local police. And of course, talk to a U. S. Trust advisor.


Prepare for your future now


To learn more about the Financial Empowerment Program and how to get started, please contact your family's U. S. Trust ® advisor.


2. Department of Justice, Javelin Strategy and Research, 2017


3. Experian's ProtectMyID ® Travel Report, June 2017


5. National Conference of State Legislatures, "Identity Theft Strikes Young," May, 2017


ShopSafe® is a registered trademark of FIA Card Services, N. A. The ShopSafe feature may not be available for all products and services. Privacy Assist® is a registered trade name of FIA Card Services, N. A.


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This sample research paper on identity theft features: 6900+ words (25 pages), an outline . APA form. Free Term Papers • Free Research Papers . Informative Speech On Identity Theft I. Introduction A. For example, if you research identity theft . you will find information on many. Outline for Fiv. Feb 7, 2006 . Identity Theft . Outline of Federal Statutes and Bibliography of. Identity Theft . … custom example telling about identity theft issues in social working and write a great essay yo. Jan 16, 2017 . Congressional Research Service. 7-5700. Identity theft has remained the dominan.


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How Wells Fargo Trilegiant Enhanced Identity Theft Protection Works


Identity theft has left millions destroyed. Where you know how difficult it may be to see your good name being used for illicit purposes, the hackers have no mercy and are attacking countless people round the globe every hour on the hour. The theft involves losing your identity in the form of your name, address, social security number, credit card number and other such information which can then be easily used by the hackers. In order to protect people from scary scams, some kind of protection is a must. In other words, subscribing to a protection program is something you cannot do without if you are an active user of your bank accounts and the internet.


Many independent companies are now providing protection to customers against identity theft. Wells Fargo is a famous company which is also offering protection services all around the world. The company offers a variety of protection plans which means you can choose the one that is right for you and also within your budget. Most people do not believe in such plans mainly because they think it costs too much and is does not bring the same in return. However, it is not so. With Wells Fargo you stay protected in case you are attacked.


In reality the monthly premium for the plan is not as high and is inexpensive to what you may lose. Wells Fargo corporation offers protection plans which include credit monitoring. This means that your account will be well guided and you will be notified in case any unauthorized access is observed. In an emergency like identity theft, having a protection service is crucial. You will also be provided with monthly credit reports which will give you a good idea of how you have managed your purchases. Upon receiving the report, it is advised that you go through it carefully and see whether there is any entry which is not a result of your transactions.


Trilegiant is also another corporation which works for customer protection and will also cater to identity theft. Since the theft is growing rapidly, consulting a reputable company such as Wells Fargo has become the need of the hour. Moreover, such plans will also enable you to keep a check on credit scores so as to know what your credit standing is. If you want to maintain financial stability and keep your private data from falling into wrong hands, theft protection is the best option you can make use of.


Besides subscribing to a protection program. there are other measures you can take to keep from becoming a victim of the theft. When you receive a bank statement, analyze it closely and check for any suspicious activity. Also, never trash your important documents without shredding them. Furthermore, be careful about who you provide your private information too. Letting others know about your private data is the most easiest way to lead yourself to threat. Inquire with your banking company as well to know if they offer some kind of protection or cover against theft.


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You Don’t Need to Pay Lifelock to Protect Yourself From Identity Theft


If you’ve read Greg’s post on computer malware, you may we wondering about other ways to protect yourself from the growing problem of identity theft. No, you don’t need to sign up with a company like Lifelock or one of the many credit monitoring services. (In fact, given the news around Lifelock, you can even say that it’s a bit of a scam itself.) The fact is that for low or no cost, you can get essentially the same protections that these companies are charging monthly fees by following these tips.


Guard your information. The first step in stealing your identity is for the identity thief to get your name and sensitive financial information like your Social Security or credit card numbers in order to get loans in your name or make withdrawals from your bank account. Here are some ways to protect that information:


1) Shred any documents with sensitive information on it before throwing them out.


2) Be careful of using your credit or debit cards at locations like remote gas stations or ATMs since thieves can attach skimming machines to them that steal your card info.


3) Verify that emails are coming from your financial institution before entering financial information and account passwords.


4) Keep a record of your credit card information so that you can quickly cancel a card that is lost or stolen.


5) If you have cards with Radio Frequency Identification or RFID, consider protecting them from scanners with an RFID safe wallet or credit card shield.


6) Avoid using your debit or credit cards in places like restaurants when they’re taken out of your sight.


7) Take steps to protect your computer and smartphone from malware.


Protect your credit. Even the best precautions won’t always work to prevent a thief from accessing your information. The second line of defense is to prevent the thief from using that info to open a line of credit in your name. You can do that by setting a credit security freeze with each of the three credit bureaus. Since it prevents new creditors from accessing your credit file unless you specifically grant them access, it’s stronger than a fraud alert. Each state has slightly different procedures and fees. Where I live in California, placing and lifting the freeze is free for identity theft victims, $5 for people over 65, and $10 for everyone else and it stays active until you remove it.


Monitor your credit. If all else fails, you’ll want to catch the consequences of identity theft as soon as possible so you can quickly get it fixed. At the very least, look at your bank and credit card statements regularly for any fraudulent charges. You can also get free credit monitoring through creditkarma. which alerts you if there are any changes in your credit file like a new loan opened in your name. After all, a new loan probably won’t show up on your current statements. If you do find yourself a victim, you can learn about the steps to take here .


Take action. When you consider the costs in time, money, and stress of dealing with identity theft, it’s definitely worth taking these precautions. The problem is that it’s too easy to get complacent about something that you think won’t happen to you. But I’m sure the 1 out 18 US households that become victims each year probably thought that things like this only happen to “other people” too. So in addition to protection yourself and your family, feel free to share this post with your friends and followers on Facebook and Twitter. If just 18 of them read it, odds are that you’ll save one of them from becoming another victim.


In U. S. v. Charles the defendant was found in possession of prepaid debit cards that were loaded with tax-refund monies sent by the I. R.S. in response to fraudulent tax returns. Charles pleaded guilty to the federal crimes of trafficking in access devices and aggravated identity theft. The identity theft count carries an additional two-year sentence that runs consecutively to another other predicate crime involving the unauthorized transfer, possession, or use of the identity of another. The applicable sentencing guidelines provision for the access device count, section 2B1(b)(11)(B), has a two-level increase for the production or trafficking of unauthorized devices The district court found that the enhancement was warranted because the Charles transferred one of the prepaid debit cards to his codefendant and thereby "trafficked" an unauthorized access device.


On appeal, Charles challenged the two point enhancement arguing the district court erred in refusing to submit the applicability of the enhancement to a jury pursuant to Alleyne v. U. S. The court rejected his Alleyne argument because the two level increase only affected Charles' guidelines calculation and not his statutory mandatory minimum or maximum sentence. Alleyne holds that a court cannot make a judicial finding of a fact at sentencing where the fact is an element of a crime that increases the maximum sentence. Alleyne preserved a sentencing court's fact finding authority concerning facts that impact the statutory punishment.


However, the court of appeals did find that the two level increase for trafficking was error. U. S.C. § 1028A(a)(1). The guidelines applicable to U. S.C. § 1028A is USSG 2B1.6 which specifically provides that the sentencing guideline for the identity theft offense is the two year consecutive sentence mandated by statute. The Application Notes of the guidelines explain that if a sentence under section 2B1.6 is imposed in conjunction with a sentence for an underlying offense, the court should not apply any specific offense characteristic for the "transfer, possession, or use of a means of identification when determining the sentence for the underlying offense." Because Charles already received the mandated two-year consecutive for aggravated identity theft, the Application Note to section 2B1.6 precluded the two level increase for transferring the debit card to the codefendant.


The government's alternative argument was that the court should affirm the two-level increase because the record supported a finding that Charles "produced" unauthorized access devices. Section 2B1.1(b)(11)(B) also applies a two level increase in the guidelines offense level when the offense involves "the production of any unauthorized access device." Section 2B1.6 does not prohibit the two level enhancement based on the production of the unauthorized access device. At sentencing, the government argued that there was production and asked the district court for a ruling on that ground, but the district court ruled solely on the "trafficking" ground and declined to rule on the government's "production" argument. Because the court of appeals did not have the benefit of fact finding on this issue, the court remanded to the district court to address the issue of production.


In U. S. v. Philador the two defendants pled guilty to conspiracy to steal government funds in violation of 18 U. S.C. §371 and to the charge of theft of government funds in violation of 18 U. S.C. §641. Their offenses involved a scheme to submit fraudulent tax returns to the Internal Revenue Service using stolen social security numbers. They then received refund checks from the government and deposited the funds into various corporate accounts of companies they controlled. The presentence investigation report recommended a six-level enhancement to their offense level pursuant to guidelines section §2B1.1(b)(2)(c) because it claimed the offense involved 250 or more victims. Only twenty-six of the taxpayer victims had been positively identified by the government. The defendants objected to the enhancement, and while they conceded there were more than 250 social security numbers used to file over 250 fraudulent tax returns, the defendants argued that the government failed to meet its burden because the government failed to show by a preponderance of the evidence that 250 of the social security numbers were authentic and belonged to living people.


In rejecting the defendant's argument, the 11th Circuit found the district court did not err in finding there 250 victims. There was no dispute that over 250 social security numbers were used to cause the Internal Revenue Service to issue fraudulently submitted returns. Because the Internal Revenue Service issued refunds for tax returns associated with those numbers, the district court made the "legitimate" inference that social security numbers corresponded to actual persons. The 11th Circuit has stated in prior cases that it is not necessary for the government to show that in the context of a government issued identification the government verifies an individual's identity before it issues a driver's license or a passport. It is reasonable to conclude that the government routinely obtains an applicant's identity to verify the authenticity of that identity. Here the district court could infer, based on common sense and ordinary human experience that the Internal Revenue Service verifies identifying information, like social security number, before issuing a tax refund. The fact that the Internal Revenue Service paid the refund to the defendants indicates that the social security number used to procure the refunds are associated with real people and the district court's conclusion was not erroneous.


Additionally, the district court did not err in applying the six-level enhancement without first finding the victims were living. A victim in this context under the sentencing guidelines a victim is a person whose means of identification was used unlawfully. A means of identification is limited to an actual, and not fictitious, individual. The 11th Circuit found the plain meaning of the phrase "actual" does not distinguish between living and deceased persons. Therefore it was not necessary for the district court to make this finding.


This case represents a type of identity theft involving the use of another individual's social security numbers to file a tax return which results in the Internal Revenue Service issuing the refund to the wrong person. Prosecutions of this nature have become more common in federal courts in Miami, Tampa, Orlando, and Jacksonville, as well as other Florida communities because tax returns can be filed on-line.


In U. S. v Washington the defendant pleaded guilty to conspiracy to traffic in unauthorized credit cards and using and trafficking in unauthorized credit card numbers in violation of 18 U. S.C. § 1029. The presentence investigation report recommended an enhancement under sentencing guidelines § 2B1.1(b)(2)(C) because the number of victims exceeded 250, the threshold number for a 6-level enhancement. Washington disputed the number of victims and requested that the government identify the victims by name. The defendant noted the government only identified 70 banks and financial institutions and requested hard evidence of the 250 or more victims. He also disputed the length of time he was involved in the conspiracy. At the sentencing hearing, the government did not present any evidence identifying 250 or more victim and only argued that there were thousands of individuals who had their credit cards stolen. The district court ruled for the enhancement noting that it previously applied the enhanced the codefendants' sentences.


The 11th Circuit held that the government has the burden of introducing sufficient and reliable evidence to prove the necessary facts by a preponderance of the evidence. The government did not meet its burden because it did not introduce any evidence to support the enhancement. While the government told the sentencing court there were over 250 individuals who have been victims of stolen credit card information and other related account information during the time the defendant was involved in the scheme, the representation was insufficient. Absent a stipulation by the parties, an attorney's factual assertions at a sentencing hearing do not constitute evidence that the district court can rely upon in the face of challenged conclusions of the presentence investigation report. Even though the district court had applied the enhancement to the coconspirators, those findings could not serve as a basis for applying the enhancement to the defendant because the defendant objected. The defendant should have been given an opportunity to rebut the evidence or to generally cast doubt on its reliability. Furthermore, the defendant was not a participant of the conspiracy during the entire duration and without the information about the identities of the victims and the dates of the theft of their credit card information, the government failed to meet its burden of showing that the fraud scheme involved more than 250 victims during the time of the defendant's involvement.


On remand, the 11th Circuit ruled that the government would not be allowed to prove that there were more than 250 or more victims for whom the defendant was responsible. The 11th Circuit found that the government was aware of the defendant's objection and nothing prevented the government from putting on the evidence at the sentencing hearing. A party that carries the burden on a contested sentencing issue will generally not get the opportunity to try again on remand if the evidence is found insufficient on appeal. While the 11th Circuit has the discretion to permit the government a "second bite at the apple," normally a remand for further proceedings is inappropriate when the issue was already before the district court and the parties had an opportunity to introduce evidence. Here the government failed to introduce any evidence concerning the number of victims.


Please read more about identity theft and credit card fraud - one of the biggest areas of white collar crimes being charged in the federal and state courts.


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In U. S. v. Cruz. the defendant and her brother obtained credit cards numbers which they purchased from a waiter working at a Flanigan's restaurant in Hialeah, Florida. Using a credit card skimming device, the waiter sold the skimmed numbers to a codefendant who was married to Cruz. Cruz's sister also a codefendant worked at a Target. At one point after a complaint by a customer about an authorized purchase of $200 on the credit card, Target security began to focus on the sister. While working the register they observed her and became suspicious because she was continuously selling to the same man buying stacks of gift cards and other merchandise. She sold 65 gift cards and 50 "other" other transactions involving the same two customers. After she was interview by Metro-Dade Police, she admitted selling to her brother who came into the store to use credit cards she knew to be fraudulent and did not belong to him.


They were convicted of aggravated identity theft. The identity statute, 18 U. S.C. §1028(a)(1) mandates a 2 year additional consecutive sentence for a defendant convicted of a predicate crime if during (or in relation to) the commission of the predicate crimes, "the offender knowingly transfers, possess, or uses, without legal authority, a means of identification of another person." The 11th Circuit found that the defendant's underlying offense of using an unauthorized access devise (section 1029) was a predicate offense for purposes of §1028A and were subject to the 2 year consecutive sentence in addition to the guidelines sentence. In calculating the guidelines sentence, the district court gave them a two - point increase for the use of a device-making equipment under U. S.S. G. §2B1.1(b)(10)(A)(i).


The defendants argued this was double counting and found support in the commentary of U. S.S. G. §2B1.6 which limits the application of §2B1.1(b)(10) to avoid double counting. That section states that the guidelines sentence for an aggravated identity theft conviction under §1028 is the statutory term of imprisonment. The commentary prohibited applying any specific offense characteristics for "the transfer, possession, or use of a means of identification when determining the sentence for the underlying offense" because the sentence under 2B1.6 accounts for this relevant conduct. The defendant interpreted this commentary to prohibit a guidelines enhancement for relevant conduct that includes the use of a device-making equipment. The 11th Circuit did not agree and found that §2B1.6 allows for an enhancement for the use of device-making equipment. The court interpreted the commentary of §2B1.6 to prohibit the enhancement where the relevant conduct pertains to the transfer, possession or use of a means of identification. Here, the defendants' enhancements were premised on relevant conduct related to the device-making equipment. The court found the commentary did not prohibit this relevant conduct from serving as the basis for the increase. The evidence supported the enhancement given the sister's knowledge her codefendant brother bought merchandise using credit cards that did not belong to him. There was also circumstantial evidence that the sister knew about the skimmer because she lived at the same address where it was found.


The issue here is whether the unauthorized transfer of an individual's identifying information to another party involves the actual use of that information for a fraudulent purpose such that the individual whose identifying information was transferred is as victim under U. S.S. G 2B1.1(b)(2)(B). This sentencing guideline provides for a 4 level enhancement if the offense involved at least 50 but less than 250 victims. The defendant in U. S. v. Hall pleaded guilty to bank fraud conspiracy, identity theft and access device fraud and wrongfully obtaining and transferring individually identifiable health information for personal gain. The district court applied a four level enhancement because the offense involved more than 50 but less than 250 victims. Hall challenged the enhancement arguing that the unlawful transfer or sale of identifying information does not equate to the actual use of identifying information for a fraudulent purpose. The conspirators actually used 12 of the 141 individuals to obtain fraudulent credit cards the so Hall claimed there were less than 50 victims and the 11th Circuit agreed.


Hall worked as an office assistant in a Coral Springs doctor's office where she had access to patients' dates of birth, social security numbers and other protected information. She received $200 for each individual's information she provided to the coconspirators. She received only $200 though sent the codefendants 65 to 141. Her conspirators used 12 of the patients' personal information to obtain fraudulent credit cards. The government's position was that all 141 patients whose information was transferred were victims.


The 11th Circuit found that while the 12 individuals were victims, the remaining individuals whose information was merely transferred were not victims under the Application notes which define victims as "any person who sustained any part of an actual loss. who sustained bodily injury as a result of the offense." Under this enhancement, whether an individual was a victim depends on whether their identification was used. The conspiracy's purpose was to obtain cash advances and purchase using fraudulent credit cards. Hall's mere transfer of the personal identifying information, without more action, did not involve using the information to procure fraudulent credit cards and cash and the personal information was not used until the coconspirators secured the credit cards.


The 11th Circuit noted that another specific offense characteristic under §2B1.1 provides for a two level enhancement for the defendant because the offense involved "the unauthorized transfer or use of any means of the identification unlawfully to produce or obtain any other means of identification." The district court applied this enhancement. The 11th Circuit found that the Commission's use the terms "use" and "transfer" in the guidelines means it intended for each term to have a particular, non-superfluous meaning. The court reasoned that the Sentencing Commission would not have used the two distinct words if they intended "use" to cover "transfer." The court would not broaden the meaning of use. The guideline and the application notes indicate that the mere transfer of unauthorized identifying information is not the equivalent to the actual use of the identifying information for a fraudulent purpose.


The issue in U. S. v. Zuniga-Arteaga is whether the defendant can be convicted of aggravated identity theft under 18 U. S.C. §1028A(a)(1) where the person whose identity was stolen is no longer living. The 11th Circuit Court of Appeals held in this decision that the person whose identity was stolen does not have to be a living person. Using a fictitious name, the defendant first attempted to enter to the U. S in 1995, she had claimed to be born in Texas but she was returned to Mexico when immigration officers discovered she was not the person she claimed. Subsequently she returned to the U. S. and arrested for drug offense. She gave the name M. S.G. (the opinion only gives the initials) and provided false identification. At her initial appearance in the drug case, she admitted she was Zuniga-Arteaga, the person named in the indictment. Eventually she was convicted in federal court of drug conspiracy and sentenced. Some eight years later I. C.E. agents encountered her at the federal prison while serving her sentence where she claimed to be MSG born in Mercedes Texas. She gave ICE agents a date of birth belonging to MSG who lived and died prior to the defendant's use of the name. On two subsequent occasions she told ICE agents that she was MSG and presented ICE agents with a valid birth certificate for MSG. Meanwhile law enforcement officials found the defendant was not MSG and eventually located MSG's brother who told them MSG died as a child in 1960.


The defendant was indicted for falsely representing herself as a U. S. and with using the means of identification of another person in relation to the 18 U. S.C. §911 offense, making this aggravated identity theft, in violation §1028A(a)(1). This section makes it a crime for anyone to knowingly transfer, possess, or use, without lawful authority, a means of identification of another person, in relation to the any of the felony violations listed in the statute.


The defendant argued she could not be convicted of the aggravated felony because the term person in the statute refers to the living and does not cover theft of the identity of a person who has died and her use of M. S.G. identity falls outside the scope of the statute. In attempting to determine whether Congress meant the word "person" to include living as well as dead person, the 11th Circuit considered the context the word was used. The Court found that the term "means of identification" was not meant to be limited to living persons. A further analysis of other provision in the statute convinced the court that Congress intended the term "person" in section1028 to include living and dead individuals. Furthermore, the 11th Circuit concluded that the purpose of the statute is supported by this interpretation because the theft of deceased person's identities is not a victimless crime and has a real consequence for the living such as the beneficiaries of the decedents and businesses who are misled into relying on the stolen identity information. The Court also concluded that Congress likely recognized this form of identity theft needed deterrence because stolen identities of real people have a broad range of uses, for example, using a real persons birth certificate to obtain and authentic passport and freely enter and depart the U. S. A dead person is not going to create conflicting paper trail or notice strange activity on their credit reports.


In U. S. v. Doe. the defendant John Doe went to the Miami passport agency office to apply for a passport presenting drivers license, birth certificate and other identifying documents in the name of Laurn Daniel Lettsome. Doe was not Lettsome. When the passport agency official became suspicious, Doe was asked to return with more identification document. He then returned and suspecting fraud, the passport officials located the real Lettsome and discovered he was not the person who had applied for a passport. The defendant was called "John Doe" in this case because the government claimed it did not know his true identity.


Doe was charged with making a false statement in a passport application and two counts of aggravate identity theft. Doe pled guilty to making a false statement in a passport application but went to trial on the aggravated identity theft, claiming that the government failed to prove beyond a reasonable doubt that Doe knew the false identification he was using belonged to a real person. The aggravated identity theft conviction provides for a mandatory two year sentence for possessing an identification of another person.


In the benchmark decision of Flores-Figueroa. the U. S. Supreme Court required the government to show the defendant knew the identification used belonged to another person. The Supreme Court acknowledged there were many ways the government could show this through circumstantial evidence. Following this decision, the 11th Circuit Court of Appeals affirmed an aggravated identity theft conviction where it was shown the defendant had been successful in obtaining a drivers license or passport using the victim's personal information. There was no need to show the defendant had knowledge of the rigorous verification process.


Here, the appellate court found circumstantial evidence that Doe knew the identification belonged to a real person by Doe's repeated and successful testing of the authenticity of the victim's identifying information prior to the crime, and by his using the birth certificate and social security card to obtain drivers license in two jurisdictions - the Virgin Islands and from the state of Florida. Doe also opened a bank account and obtained a credit card in the false name.


Even though the government did not present direct evidence that Doe knew of the verification process to which he subjected Lettsomes' identifying documentation, the Eleventh Circuit precedent makes clear that it was not required to do so. A rational jury could have inferred based on ordinary human experience that federal and state governments routinely verify the authenticity of the identifying documentation. Also, the passport application say that documents and statements presented are all subjected to verification. Doe's conduct could be understood to mean that he had unfaltering confidence in his ability to obtain a U. S. passport using Lettsome's identification.


Evidenced showed Doe showed no trepidation about the possibility that Lettsome's identifying information (his Virgin Islands D. L. and Florida D. L.) were not genuine. A rational jury could conclude beyond a reasonable doubt that Doe never doubted for a moment that Lettsome identifying information belonged to a real person. Otherwise, the increased scrutiny from an official, on Doe's first visit to the passport agency would have given Doe great pause about continuing the effort to obtain a passport.

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