eFUNDhub.com LLC – U.S. Online Privacy Notice

Status: May 29, 2018

eFUNDhub.com LLC – U.S. Online Privacy Notice Last updated May 29, 2018 This U.S. Online Privacy Notice (Notice) applies to this eFUNDhub.com LLC online interface (i.e., website or mobile application) and any eFUNDhub.com LLC U.S. affiliate or subsidiary online interface that links to this Notice, (each, a Site, and, collectively, Sites).

The term “eFUNDhub.com LLC” or “we” or “us” or “our” in this Notice refers non-banking U.S. affiliates or subsidiaries of eFUNDhub.com LLC that link to this Notice. This Notice describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.

eFUNDhub.com LLC provides other online interfaces not covered by this Notice. If you visit or access your accounts from one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used and shared.

For visitors to this Site, we will use and share any information that we collect on this site from or about you in accordance with the eFundHub.com U.S. Consumer Privacy Notice.

How We Use Personal Information We may use Personal Information

  • to respond to your inquiries and fulfill your requests;
  • to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
  • to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;
  • to personalize your experience on the Site;
  • to allow you to apply for products or services and evaluate your eligibility for such products or services;
  • to verify your identity and/or location in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information;
  • to allow you to participate in surveys and other forms of market research, sweepstakes, contests, and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
  • to allow you to use some Site tools. Information that you enter into one of these tools may be stored for future access and use. You have the option not to save the information;
  • collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have;
  • for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
  • for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
  • to allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services.

How Personal Information is Shared

Please see the eFUNDhub.com LLC U.S. Consumer Privacy Note for information on how Personal Information may be shared and how you may be able to limit certain types of sharing.

Other Information We Collect Online

Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.

How We Collect and Use Other Information

We and our third-party service providers may collect and use Other Information in a variety of ways, including:

  • Through your browser or device: Certain information is collected by most browsers and/or through your devices, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version, and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.
  • Using cookies: Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the Site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Site and to assist us with resolving questions regarding the Site. We also utilize cookies for advertising purposes. Please see the Advertising section below for more information. You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.
  • Other technologies including pixel tags, web beacons, and clear GIFs: These may be used in connection with some Site pages, downloadable mobile applications, and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, to personalize/tailor your experience while engaging with us online and offline, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our Site. Please see our Advertising section below for more information regarding our use of other technologies.
  • Flash objects: As part of our solutions for online authentication, we use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Site. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. We do not use Flash objects for any online behavioral advertising purpose. Deleting cookies does not delete Flash objects. You can learn more about Flash objects – including how to control and disable them – through the Adobe interface. If you choose to disable Flash objects from our Site, then you may not be able to access and use all or part of the Site or benefit from the information and services offered.
  • IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many websites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Site. Please see the Advertising section below for more information.
  • Aggregated and De-identified Data: Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

Additional Information

Third party widgets – we may allow certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Sites where these widgets are placed. You may wish to review the information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below.

Advertising

eFUNDhub.com LLC may advertise online according to the legal requirements (e.g., pages within our Sites and mobile apps through managed social media presences, and on other sites and mobile apps not affiliated with eFUNDhub.com LLC) and offline (e.g. associates). In order to understand how advertising performs, we may collect certain information on our Sites and other sites and mobile apps through our advertising service providers using cookies, IP addresses, and other technologies. The collected information may include the number of page visits, pages viewed on our Sites, search engine referrals, browsing activities over time and across other sites following your visit to one of our Sites or apps, and responses to advertisements and promotions on the Sites and on sites and apps where we advertise.

eFUNDhub.com LLC uses information described in this Notice to help advertise our products and services, including prescreened offers of credit, in a variety of ways. We may use such information to:

  •  Present tailored ads, to you including:
    • Banner ads and splash ads that appear as you sign on or off of your online accounts on our Sites, within mobility applications
    • E-mail, postal mail, and telemarketing, and,
    • On other sites and mobile apps not affiliated with eFUNDhub.com LLC;
    • Analyze the effectiveness of our ads; and
    • Determine whether you might be interested in new products or services

How we tailor ads: Relationship-based advertising

In order to help make our advertising informative and useful, we may use information about your relationship with us to help determine which advertisements or offers to present to you.

Online Behavioral Advertising

We or our advertising service providers may use certain information about your activities on our Sites, such as pages visited and search keywords entered to help determine which of our advertisements or offers may be of interest to you. We limit access and collection of information for specific purposes by advertising service providers. We may use this online information for online and offline advertising.

Advertising on third-party sites and mobile apps

eFundHub contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third party sites and mobile apps to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third Party sites and mobile apps are not subject to eFundHub Privacy Notices. Please visit the individual sites and mobile apps for additional information on their data and privacy practices and opt-out policies.

Online Behavioral Advertising on third-party sites and mobile apps

Some of our tailored ads are online behavioral advertising and may be served using data collected by third-party providers. Ads served on our behalf by these companies do not contain unencrypted Personal Information and we limit the use of information by companies that serve our ads. To learn more about this practice and your choices in connection with it, see the section Advertising Choices below

Advertising Choices

You may set your choices for advertising in the following ways:

Online Behavioral Advertising: If you prefer we not use information based on online Site behavior to provide online and offline tailored content and advertising, you may opt out of online behavioral advertising, contact info@eFundHub.com. Opting out also means that the online content and advertising you receive on our non-servicing sites (i.e. before sign-in) will be untailored and will not be based on your online behavior or your relationship.

Please note that if you opt out of this advertising, you may still receive untailored advertising from eFundHub. When accessing online account servicing areas (i.e. after sign-in), you may receive tailored content and advertising based on your account relationships. In addition, financial advisors/Client Managers may continue to use information collected online as described in this Notice to provide details on products and services in accordance with account agreements. See Important Reminder section below.

Managed Marketing: If you prefer we not deliver you marketing offers in an email, postal mail or through telemarketing you may manage your direct marketing:

Important Reminder

In order for online behavioral advertising opt-outs from our Sites and on other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, log in under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser’s security settings to validate whether scripting is active or disabled.

Linking to other sites

We may provide links to third-party sites, such as credit bureaus, service providers or associates. If you follow links to sites not affiliated or controlled by eFundHub, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. eFundHub does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Social media sites

eFUNDhub.com LLC may provide experiences on social media platforms including, but not limited to, Facebook®, Twitter®, YouTube® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post on official eFUNDhub.com LLC managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.

Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official eFUNDhub.com LLC social media pages, you are also subject to eFUNDhub.com LLC’s Privacy Notices, Social Media User Terms, and Community Guidelines

 

Security

To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party service providers to ensure information remains confidential and secure. Please visit eFundHub/security for additional information.

Using other aggregation websites

Other companies offer aggregation websites and services that allow you to consolidate your financial information from different sources so that you can view all your account information at one online location. To do this, an aggregation provider may request access to Personal Information, such as financial information, usernames, and passwords. You should use caution and ensure that the aggregator company has appropriate policies and practices to protect the privacy and security of any information you provide or to which they are gaining access. We are not responsible for the use or disclosure of any Personal Information accessed by any company or person to whom you provide your Site username and password.

If you provide your Site username, password or other information about your accounts with us to an aggregation website, we will consider that you have authorized all actions initiated by an aggregation website using access information you provide, whether or not you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website cannot continue to access your account.

Making sure information is accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use the Contact Us option on our Site, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials.

Protecting children’s privacy online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).

Protecting individual health information

To the extent that we receive, maintain, or process an individual’s protected health information, eFundHub.com LLC may disclose that information as authorized by and in accordance with applicable federal and/or state law.

Updates to this Privacy Notice

This U.S. Online Privacy Notice is subject to change. Please review it periodically. If we make changes to the U.S. Online Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.

 

Security Information

Contact our security and fraud department:

If you need to report identity theft or fraud, or if you have questions, please call 1-239-214-8290.

Forward Suspicious Email to Us Thank you for bringing this suspicious email to our attention. eFUNDhub.com LLC takes any attempts to fraudulently use our brand or impersonate an eFUNDhub.com LLC representative very seriously. Our team reviews all submissions; we will only reply to your message if we require additional information.

 

Cookie Guide

The use of cookies and similar technologies is a common internet practice. We have developed this Cookie Guide to provide very general information on cookies and similar technologies (including pixel tags, web beacons, clear GIFs and Flash objects). The eFUNDhub.com LLC Online Privacy Notice provides detailed information on how we use cookies.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are useful in a number of ways, including allowing a website that you use to recognize your device, keep track of pages visited and even remember your preferences. Cookies can expire at the end of a browser session (these are called “session” cookies) or they can be stored longer (these are called “persistent” cookies).

Cookies can be used in the following ways:

Functionality cookies enable you to move around a website and use its features, including accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided. These cookies also allow a website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you may have customized. They may also be used to provide services you have asked for such as watching a video or commenting on a blog.

Performance cookies are used to improve how a website works. They collect information about how visitors use a website, for instance, which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a particular individual visitor, as the information is aggregated only.

Targeting or Advertising cookies are used to deliver advertisements that may be relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information may be shared with other organizations such as advertisers.

What are similar technologies?

Pixel tags, web beacons and clear GIFs (graphics interchange format) are tiny files used to monitor navigation on a website and may be used with cookies. Flash objects (local shared objects) are small files stored on your device by a website using Adobe’s Flash player technology.

How can users manage cookies and similar technologies?

You may be able to control your acceptance of cookies and similar technologies on a website, and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. If you do not accept cookies, you may experience some inconvenience in your use of some sites and online products. For example, a website may not be able to recognize your device and you may need to answer challenge questions or provide additional information each time you log on. Deleting cookies does not delete Flash objects. You can learn more about Flash objects including how to control and disable them on the Adobe website.

You can find additional information on cookies and similar technologies used on various websites through your browser or other internet resources.

 

US Consumer Privacy Notice

What does eFUNDhub.com LLC do with your Personal Data?

Why?

Financial companies choose how they share your personal information. Under federal law, that means personally identifiable information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us.

This information can include:

  • Name, Address
  • Phone, Fax, E-Mail, Website
  • investment facilitation experience

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons eFUNDhub.com LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your Personal Information

  • For our everyday business purposes — Yes
  • For our marketing purposes — Yes
  • For joint marketing with our associates – Yes
  • For our affiliates’ everyday business purposes — Information about your experiences – Yes
  • For our affiliates’ everyday business purposes — Information about your identity – Yes
  • For nonaffiliates to market to you — No, we don’t share

To limit our sharing

  • Visit us online: eFUNDhub.com LLC | Privacy & Security Policy
  • Call 239.214 8290 or E-Mail us at info@efundhub.com

Please note: If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

 

Social Community Guideline

We have may an active social media presence to help us stay in touch with you and serve you better. We encourage everyone to use common courtesy, be respectful of others and follow our guidelines to foster healthy social communities and to protect your privacy.

  • facebook
  • Twitter
  • YouTube
  • Instagram
  • LinkedIn
  • Google+
  • Pinterest

 

Social Media User Terms

eFUNDhub.com LLC Social Media Terms of Use

Terms of Use

These terms govern our social media-based websites, accounts, pages, and applications (or collectively, our “sites”) that belong to, or are managed by eFUNDhub.com LLC. By accessing our sites, you are agreeing to be bound by these terms, all applicable laws and regulations, and any other applicable policies, terms, and guidelines established by Bank of America and those of any third parties that host our sites (such as Facebook or Twitter). If you do not agree with any of these terms, do not use or access our sites.

User Limitation

You agree to comply with all of eFUNDhub.com LLC’s Social Media Community Guidelines with regard to any content that you post/share on our sites, and you agree to our right to moderate and delete any content at our sole discretion. You also agree that your activities on our sites will not violate any applicable law, regulation or terms of any existing agreements you may have with Bank of America. Any unauthorized use of our sites or misuse of any information posted to a site is strictly prohibited.

Copyright/ Use License

The content provided in our sites is owned or licensed by eFUNDhub.com LLC unless otherwise indicated. Permission is granted to temporarily download one copy of eFUNDhub.com LLC-provided content on eFUNDhub.com LLC’s sites for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license, you may not:

  • modify or copy the materials except as otherwise provided;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • remove any copyright or other proprietary notices from the materials; or
  • transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by eFundHub.com at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

eFUNDhub.com LLC’s Unsolicited Idea Submission Policy

eFUNDhub.com LLC and its associates do not accept or consider unsolicited ideas, including ideas for new or improved products, processes or technologies, product enhancements, advertising and marketing campaigns, promotions or new product names. Please do not send any original materials, suggestions or other items. The sole purpose of this policy is to avoid potential misunderstandings or disputes when Bank of America’s products or marketing efforts might seem similar to ideas submitted to the Bank. If, despite our request not to send us your ideas, you still do, then regardless of what your communication states, the following terms shall apply to your idea submission.

Terms of Ideas Submissions

You agree that: (a) your ideas will automatically become the property of eFUNDhub.com LLC, without compensation to you, (b) eFUNDhub.com LLC can use the ideas for any purpose and in any way, and (c) any information you provide will be considered non-confidential.

Disclaimer The materials on eFUNDhub.com LLC’s sites are provided “as is.” eFUNDhub.com LLC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, eFUNDhub.com LLC does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its sites or otherwise relating to such materials or on any sites linked to these sites. The information and content provided on our sites are intended for informational purposes, not as an offer to sell or the solicitation for the purchase products or services of eFUNDhub.com LLC, or any other issuer or company. eFUNDhub.com LLC is not responsible for any content posted by users, including posts made by employees or agents who have not authorized administrators of our sites. Content posted by others is not edited by eFUNDhub.com LLC and does not necessarily represent the views or positions of eFUNDhub.com LLC.

Privacy

With respect to content collected through our sites, eFUNDhub.com LLC follows the applicable privacy policies of the third-party hosts of our sites. Please note that when visiting any Bank of America site, you are also subject to the terms and conditions of Bank of America’s privacy notices, as well as the terms of service and privacy policies of third-party hosts, when applicable.

Limitations/Indemnification

In no event shall eFUNDhub.com LLC, its affiliates or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on eFUNDhub.com LLC’s sites, even if eFUNDhub.com LLC has been notified orally or in writing of the possibility of such damage. eFUNDhub.com LLC will not be responsible in any way for loss or damage that results from your failure to comply with these terms or other applicable guidelines, or from any technical, human or software errors or failures found within our sites. You agree to indemnify, defend and hold harmless eFUNDhub.com LLC, its parent, subsidiaries, officers, employees, and associates from any and all liability with respect to any claims from any third parties arising from your use of our sites or violation of these terms or applicable guidelines.

Third-Party Links

eFUNDhub.com LLC has not reviewed all of the third-party sites linked to its sites and is not responsible for the contents of any such linked site. The inclusion of any third-party link does not imply endorsement by eFUNDhub.com LLC. Use of any such linked web site is at the user’s own risk. You understand that when going to a third-party website, that site is governed by the third party’s privacy policy and terms of use, and the third party is solely responsible for the content and offerings presented on its website.

Site Modification or Termination

eFUNDhub.com LLC may modify the features, content, and functionality of its sites, or terminate entirely any of its sites, at any time without prior notice or liability to you. Modification or termination of these terms will not affect, or result in the termination or modification, of any other existing agreements you may have with eFUNDhub.com LLC.

Site “Terms of Use” Modifications

eFUNDhub.com LLC may revise these terms of use for its sites at any time without notice. By using these sites you are agreeing to be bound by the then current version of these terms of use. Any modifications to these terms shall be effective as of the date posted.

Relationship

Your accessing of our sites in no way shall be deemed to create an agency or employee-employer relationship of any kind between you and eFUNDhub.com LLC, nor do these terms extend rights to any third party. You also agree that in the course of your accessing and using our sites, that no relationship is formed between yourself and eFUNDhub.com LLC that is either confidential or fiduciary in nature beyond any existing relationship you may have with us.

 

eFUNDhub.com LLC – Security Center

Here’s what you need to know (and do) to stay as safe as possible

How to protect your eFUNDhub.com LLC account and identity

What you need to know:

  • Client security is our top priority, and every partner and colleague is held to strict privacy and information security rules
  • Our global information system monitors 24/7 for potential threatsWe’ll never ask you to send us personal information such as a card PIN, Social Security or Tax ID over text or email. If you do receive a request like this or any other suspicious phishing email, please forward it to us at abuse@eFundHub.com. We will only reply to your message if we require additional information.

How to protect your privacy

  • Our privacy notices explain how we collect, use and share information. You can manage marketing and limit certain information by updating your individual eFUNDhub.com LLC privacy choices.
  • Review the U.S. Online Privacy Notice and the U.S. Consumer Privacy Notice

How you can protect your identity

What you need to know:

  • Identity theft occurs when someone uses your personal information to commit fraudulent acts
  • Common signs of identity theft include:
  • Unauthorized withdrawals from your bank account
  • Bills for unfamiliar debt or failure to receive bills
  • Suspicious charges on your bank account
  • New bank accounts or loans you didn’t apply for
  • Being denied credit unexpectedly
  • The IRS notifies you that more than 1 tax return was filed in your name, or that you have income from an employer you don’t work for

What you need to do:

  • Review your bank statements for unusual transactions or suspicious charges
  • Be sure to keep your contact information (especially your cell phone number and email address) current.
  • Review our fraud prevention checklist for steps you can take to help establish a strong defense against fraud
  • Learn more about online security and privacy
  • Make the default ID for your internet router unique to you; change the password to make it more difficult for hackers to access your network

How you can help protect your computer

What you need to know:

Taking proper precautions helps to make sure your personal and financial information — as well as your identity — remains safe.

What you need to do:

  • Use a strong, unique password for each of your accounts. Memorize them and use multi-factor authentication where available. Learn more about creating strong passwords
  • Only download software or applications from well-known or reputable sources, such as Samsung, Apple, Google Play or Microsoft. Check the logos, developer names and reviews to spot fake applications. Scammers count on users being too busy to see differences that can make fake software easier to spot.
  • Install any operating system and software updates (sometimes called patches or service packs)
  • Turn off Wi-Fi and Bluetooth services when you’re not using them, and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like VPN software.
  • Back up your data regularly. If you use online or cloud storage, be sure you understand your provider’s privacy and security policies and keep your access codes safe.
  • Use the administrator login on your home computer only for creating new users and installing software. If you use administrator accounts when browsing the internet, banking or reading email, the risk of malicious code entering your computer without detection is much greater. Create standard user accounts for yourself and everyone in your family to limit your exposure.
  • Review our fraud prevention checklist for steps you can take to help establish a strong defense against fraud

How you can help protect your smartphone

What you need to do:

  • Be sure to keep your contact information (especially your cell number and email address) current
  • Set a security code/PIN or fingerprint sign-in and enable remote wipe and find my phone features to make sure you’re covered if your phone is lost
  • Only download software or applications from well-known or trusted sources–and never click a link from an unknown source or sender
  • Install system and software updates (sometimes called patches or service packs)
  • Turn off Wi-Fi and Bluetooth services when you’re not using them, and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like VPN software.
  • Never root or jailbreak your own mobile device to gain access to unofficial applications. This practice may lead to security vulnerabilities and the inability to apply future software updates from the vendor.
  • Review our fraud prevention checklist for more helpful steps

How you can identify and avoid scams

What you need to know:

  • We work hard to ensure that any eFUNDhub.com LLC content you’re receiving is really from eFUNDhub.com LLC
  • We’ll never ask you to send us personal information such as an account number, card PIN or Social Security or Tax ID over text or email. If you do receive a request like this or any other suspicious phishing email, please forward it to us at abuse@eFundHub.com. We will only reply to your message if we require additional information.

What you need to do:

  • If you receive a suspicious call, text or email from someone claiming to be from eFUNDhub.com LLC, do not respond, click links or open attachments. If this has happened to you, contact us right away at 239.214.8290.
  • Learn how to spot email scams and how to help protect yourself from tax scams. If you have older family members or friends, learn how to spot and help prevent elder abuse.

Help protect yourself and your loved ones from the elder and at-risk person fraud by learning how to spot signs of elder financial abuse

How you can help protect your business

What you need to know:

  • There’s a growing type of fraud called business email compromise. Learn about business email compromise on the FBI website
  • Business identity fraud has become surprisingly common because of the easy accessibility of business information, including website data, company name and staff rosters

What you need to do:

  • Minimize the risks by using your work computer for business, checking your domain name regularly and reviewing your business credit report Know your customers’ habits, including their payment amounts, reasons, and details. Look out for any significant changes to those habits – they might signal a fraud issue.
  • Ensure all business data is securely and regularly backed up. Test the recovery function of your backup procedures regularly to make sure your data is always retrievable.
  • Develop a plan for cybersecurity and fraud disaster recovery. For more fraud prevention best practices for small businesses, check out Federal Trade Commission (FTC).
  • Engage a trusted advisor to review your security controls and policies on at least an annual basis