It may be tempting to look for new ways to manage personal finances. For example, one of the latest credit options is to use a so-called “buy-now, pay-later” app, which can fund your purchase today and act as a digital layaway platform until you can fully repay the debt. Considering this type of app is [...]
The risk of identity theft is a concept that most of us are probably familiar with given the rise of cybercrime and data breaches. Yet a new report by Identity Theft Resource Center and DIG. Works has revealed that most employees do little to protect themselves when they learn their personal information has been [...]
Have you ever received a call to update your car warranty, but you have no car? Did the message sound like a recording? Well, that’s a robocall or an automated call. A robocall is a pre-recorded message delivered by a computerized dialer. These calls are often associated with telemarketing companies and political parties. But, [...]
Americans are expected to spend $1.2 trillion this holiday season, with the majority of shoppers planning to buy most of their gifts online. Unfortunately, all that online spending is a huge motivator for scammers. Cyber-criminals set up fake shopping websites with the aim of selling consumers knockoff goods, stealing their information, or just taking their [...]
Gift cards can make for great gifts. They show your loved ones that you know their interests and give them the option to pick something of their own choice. They're an ideal gift for the upcoming holiday celebrations because they're an excellent way to work around product shortages and shipping delays. Problems with the [...]
Would you believe that incidents of identity fraud increased by more than 40% from 2019 to 2020? A report created by GIACT titled U.S. Identity Theft: The Stark Reality found financial loss related to identity theft rose by approximately 42% in 2020. With that huge increase, how can you protect yourself? The answer is [...]
During the holiday season, many begin looking to earn some extra cash by picking up some seasonal work. But all may not be merry and bright with scammers ramping up during the holidays. Along with legitimate “Now Hiring” signs dotting retail stores and restaurants across the United States, job ads are popping up in social [...]
A hospital in Worcester, Massachusetts, disclosed an email hack of its employee email system, which may have exposed the personal information of thousands of patients. Earlier this month, UMass Memorial Health alerted patients who were affected by the hospital data breach, according to the AP News. In a notice to affected patients, the hospital [...]
Private companies and large government agencies aren’t the only organizations that need to prioritize cybersecurity. Kindergarten through 12th-grade schools are also targeted by cybercriminals with hacks, ransomware, phishing scams, data breaches and more. According to the K-12 Security Information Exchange, last year set a record of cyber incidents in schools, with 408 disclosed incidents. [...]
With the increased global use of social media, there are more opportunities than ever for scammers to steal identities or perpetrate fraud online. It can even put your family at physical risk. For example, did you know that your status updates posted on Twitter, Facebook, Instagram and many other social media sites can be [...]
If you’re a sole proprietor or independent contractor, there’s a good chance you’ve used your Social Security number (SSN) to conduct business. Whether you’re filing taxes, applying for a business credit card or other general business activities, sole proprietors often have to use a SSN when there isn’t an alternative. Unfortunately, using your SSN [...]
Personal medical documents are valuable assets. Unfortunately, that means criminals are after those documents, too. Medical documents may contain personal information that includes your name, location, contact information, insurance policies, Social Security number and history of medical treatment. Criminals can use this information to open fraudulent accounts or even receive medical treatment using your identity. Your [...]
Cloudstar, one of the title industry's primary cloud providers, remains compromised after a recent ransomware attack disrupted its services. The company also provides services to real estate, legal, insurance, financial services, petrochemical and the oil and gas industries. The Victim of a Ransomware Attack Here’s what happened, according to a notice on the Cloudstar [...]
With cybercrime on the rise, your personal information is at risk now more than ever. One of your best lines of defense is monitoring your credit report. You’re able to check your free credit report annually from the three major credit bureaus. And there’s nothing wrong with using this free service to review your [...]
Just about any type of payment you make can be done without paper checks these days. You can pay your bills through online portals, shop with credit cards or mobile payment apps and send money to your friends and family with Venmo or Zelle. But many people and businesses still rely on paper checks [...]
The shift to remote work during the pandemic brought with it a more relaxed approach to how employers view the idea of employees using their own devices. It is likely that as workers begin returning to the workplace, they may be able to keep using their own devices. While there are certainly some pros [...]
Volkswagen Group of America has revealed a data breach impacting more than 3.3 million customers after a vendor exposed unsecured data online, according to NBC News. The automaker said an unauthorized third party obtained personal information about customers and interested buyers from a vendor used for digital sales and marketing by its Audi Volkswagen [...]
Employment scammers try to trick job seekers using the same methods that real employers do – with job ads online, in newspapers and even on TV or radio. They may even reach out to individuals directly via email, phone or social media. These scammers dangle the carrot of employment, but they actually want to get [...]
The recent Verizon Data Breach Investigations report shows that global cybercrime is on the rise. It’s a frightening prospect at first glance, but the good news is that the best line of defense may not be as complicated as you think. The Verizon report, which gathers information on 5,358 breaches from around the world, highlights [...]
Every move you make on the internet can be seen by your internet service provider, or ISP. Whether browsing, downloading files or uploading documents, activities are constantly tracked by ISPs for a number of reasons. Why it is obvious that tracking is done to monitor illicit activity, there are other reasons why ISPs are tracking [...]
Although the pace of layoffs and new applications for unemployment benefits has slowed, fraud attempts have not. Scammers continue to use the COVID-19 pandemic as an opportunity to file fraudulent unemployment claims, often using someone else’s identity. These schemes are widespread and affect most states. Last year, The Federal Trade Commission (FTC) received more [...]
Passwords are your first line of defense for protecting your digital identity. In this guide, we’ll discuss some of the biggest password security risks you face and some things you can do to better protect your digital identity.
The mail contains some of the most sensitive information that you can have: your name, address, contact information, bank account number and routing number on mailed checks, financial statements and much more. Despite this vulnerability, unlocked mailboxes and easily-opened paper envelopes leave mail especially vulnerable to thieves. Criminals can use the information contained in your [...]
Account takeover is a form of identity theft in which a malicious third party gains access to or “takes over” an online account. In this guide, we define how account takeover happens, how it affects consumers and businesses and what you can do to help protect yourself from it.
When creditors sell your unpaid debt to a collection agency, the debt collector can call you directly to try and collect what you owe. But criminals posing as legitimate debt collectors may also target you, using deception or intimidation to collect debts you don’t owe, or they have no authority to collect. Top 4 Debt [...]
Check scams are staging a comeback as criminals continue to seize on the confusion the COVID-19 pandemic has created in people’s lives and finances. Recently, Wells Fargo sent a message to bank customers warning them to be on the lookout for check scammers. One age group in particular – the 18 to 24 group [...]
The recent Federal Bureau of Investigations Internet Crime Report shows that cybercrime has spiked, leaving hundreds of thousands of victims and costing more than $4 billion. The FBI received a record number of reports last year totaling 791,790, a 69% growth from 2019. Moreover, losses due to internet crime increased by $700 million, growing from [...]
The deep web and dark web both aren't listed by search engines such as Google and Yahoo, but the dark web can contain illegal activity.
Your digital identity encompasses all the information that exists about you in digital form. In this article will dive into detail about what it is and how you can protect it.
When an identity thief has purchased your personal information from a data breach, they can use it for all manner of malicious purposes. One common use is tax identity theft. This means a criminal might have purchased your bank account details and tax documents online and then have authenticated access to your bank account. Then [...]
You may have noticed that nestled in with baby announcements, social-distancing birthday photos and dog snaps, social media posts are now also featuring people celebrating getting their COVID-19 vaccinations. It’s natural that after a year of living under pandemic restrictions people are eager to share their experiences with the shot. One thing you should [...]
Identity theft insurance is a type of insurance policy that can help victims recover from losses caused by identity theft. It may be offered as a standalone policy, or as a benefit with other types of insurance or identity protection plans. Not all identity theft insurance policies offer the same level of coverage. If you’re [...]
Life is hectic and it’s easy to miss details sometimes, even when that detail happens to be a bill coming due. Making your payments on time can be tough when you’re having financial troubles or simply juggling a lot of responsibilities. It’s important to pay your bills on time to protect your credit health. [...]
The news cycle has been dominated by the COVID-19 pandemic, the presidential election, nationwide protests and a whole lot more. With all that transpired over the last few months, and even with the SolarWinds cyberattack making headlines, it might be easy to forget that data breaches and hacks continue to expose the personal information [...]
As the COVID-19 vaccine continues to become available to more people, be aware of potential phishing scams related to the vaccine. It’s important to stay vigilant to certain warning signs prevent you from being a phishing scam. Two vaccines to prevent coronavirus infections have now been granted authorization for emergency use. Every day thousands of [...]
Identity theft has been around for a long time, and it continues to evolve and adapt with the times. With the variety of scams out there, it’s easy to get bogged down in rumors and half-truths. When it comes to identity theft, you need to avoid believing misinformation and spreading it to others. Here [...]
The start of a new year is a great time to reassess your financial health and implement habits that help positively impact your credit profile. Monitoring your credit report and identity is the best place to start your financial resolutions since it can have a ripple effect in other aspects of your life as the [...]
Cybersecurity experts are still trying to determine the scale of damage wrought by a recent cyberattack using SolarWinds software on the U.S. government and Fortune 500 companies. The attack aimed at the U.S. Treasury and Commerce departments as well as international companies continued for months until it was discovered by FireEye, a cybersecurity company that [...]
Every day, criminals scour the internet for personal information they can use to commit fraud and identity theft. In this digital age, individuals need to take steps to protect their privacy and information from fraudsters. This is as true for children as it is for adults, as kids can be victims of identity theft well [...]
To use a credit card for establishing credit, you need to have at least one open card that can be reported to the credit agencies. But beyond that, there’s no definitive number of cards you need to have in your wallet for good credit. While your credit cards directly impact your credit, the number of [...]
As unemployment numbers continue to climb, so do fake employer scams that are preying on those searching for work. In fact, there have been triple-digit increases in fake employer scams that aim to gain access to personal and financial information during the COVID-19 pandemic. Online human resources schemes where criminals pose as potential employers have [...]
Anyone can fall victim to credit card fraud. Take television personality Sharon Osborne, for instance. “The Talk” host recently shared with viewers she and rocker husband Ozzy were credit card fraud victims, according to FOX News. Osbourne revealed, “Someone rang up charges and maxed out Ozzy's card and my card. I called through to the [...]
According to the Federal Reserve, synthetic identity theft is one of the fastest growing forms of identity theft in the country. Synthetic identity theft occurs when a criminal uses a combination of real and falsified data to create a fictional identity for financial gain and other fraud. Children are particularly appealing victims for synthetic [...]
A malware attack is suspected in a recent Barnes & Noble data breach that exposed customer information. The attack also led to some customers not being able to access their e-reader Nook libraries and the temporary shutdown of cash registers at the bookstores’ physical locations. Barnes & Noble officials said the cyberattack took place earlier [...]
No one is completely safe from identity theft – not even after they die. In a form of identity theft known as “ghosting”, criminals can use a deceased person’s personal information to file false tax returns, claim Social Security benefits, open fraudulent loans and credit cards and more. Millions of deceased Americans have their [...]
Every day we use our personal information for access to online accounts, smart devices and other resources. This happens so frequently that the sensitivity of credential information can be taken for granted. A recent study by password management company LastPass found that a staggering 61 percent of business users reuse the same passwords for [...]
A ransomware attack has exposed the commercial and personal employee data of Artech Information Systems, one of the largest IT staffing agencies in the nation. The data breach occurred Jan. 5 – 8 after a bad actor gained access to company servers through an employee user account, according to Bleeping Computer. Company officials said [...]
A former Uber executive has been charged with covering up a data breach affecting 57 million app users and drivers. Joe Sullivan, Uber’s former chief security officer, is facing obstruction of justice and other charges stemming from a 2016 data breach. The breach occurred when two men hacked a third-party server to steal the personal [...]
Medical records are a prime target for cybercriminals, and data breaches are a frequent occurrence in the health care industry. These records are valuable because they may contain a large variety of personal information, including your name, address, insurance information, Social Security number (SSN) and medical history. Medical records can be used to commit [...]
The COVID-19 outbreak has brought a lot of uncertainty into the lives of many Americans. Over the span of just a few months, the number of unemployed individuals rose by 14 million. In response, many people have turned to the “gig economy” for supplemental income. The Labor Market The gig economy refers to the share [...]
Scammers are now targeting Google and Amazon customers the most frequently with brand phishing attacks, according to a new report. A recent study by security company Check Point found that Google and Amazon customers tie for the most phishing attacks aiming to steal their personal information at 13% of total attacks during the second quarter [...]
Across the country, states have implemented contact tracing programs to help track the spread of the coronavirus. Contact tracing is the process of finding individuals who have come in contact with a person who has COVID-19, learning about their movements and asking them to quarantine or monitor their symptoms. Contact tracers are hired by [...]
This fall, college students are returning to school or logging on from a distance during a time of deep economic insecurity. While the coronavirus pandemic may have devastated some job opportunities, there are still ways for college students to work on establishing financial independence before they graduate. Having a strong credit history can help students [...]
As headlines focus on coronavirus-related scams, the related healthcare industry also continues to be a top target for cybercriminals. This year alone more than 3 million patient records have been exposed, according to Health It Security. Top 5 Healthcare Data Breaches This Year 1. Health Share of Oregon More than 654,000 patients had their [...]
According to data from the U.S. Census Bureau, a record 32 million adult Americans lived with their parents or grandparents as of April. The pandemic is one likely culprit, but other factors – including housing costs and high student debt – have contributed to this phenomenon for years. Moving back in with your parents [...]
There’s no surprise that COVID-19 has impacted people and businesses in all kinds of negative ways within the past couple of months. Unemployment rates have risen quickly, and many businesses have had to close due to inactivity. To help those looking for additional income, here is a list of survey-taking jobs that are easy to [...]
How expensive is a data breach for a big company? A recent report by Audit Analytics provides insight to this question in a study that sampled 639 cybersecurity breach incidents at public companies in the last nine years. The report, “Trends in Cybersecurity Breach Disclosures,” found the cost of a data breach directly relates to the life cycle of an incident and on the sensitivity of the compromised customer information. According to the study, the longer the [...]
Whether you’re giving money to help those in need during the coronavirus pandemic or supporting political activism, donating to charity is a worthy endeavor. If you’re donating to charity for the first time or you’ve been supporting your favorite causes for years, it’s a good idea to ensure your donation is safe and the [...]
Business clients applying for Paycheck Protection Program (PPP) loans with Bank of America may have had their personal and business information exposed in a data breach, according to a letter the bank sent to affected customers. The data breach occurred on April 22 as Bank of America uploaded customers’ PPP loan applications to the [...]
The FBI and Cybersecurity and Infrastructure Security Agency have issued a warning that China is attempting to hack the networks of U.S. organizations, pharmaceutical companies and health care professionals working on coronavirus vaccines and research. The federal agencies called research institutions, companies and others working on the COVID-19 response “prime targets” for Chinese cyberattacks. [...]
Protecting your identity is an essential aspect of maintaining healthy credit and financial security. This is especially true in the age of COVID-19 scams, data breaches, cybersecurity threats and identity theft, when becoming a victim of fraud can do lasting damage to your credit and finances. The longer that identity theft continues unnoticed, the [...]
Scammers have been registering coronavirus-related domain website names daily in order to commit fraud, according to new reports. Since the start of the COVID-19 pandemic, cybercriminals have been registering malicious sites with names that include “coronavirus” and “COVID-19”. They also are using combinations of the pandemic names and the word “vaccine”. Reports are showing malicious [...]
A data breach in the Small Business Association (SBA) loan application portal may have exposed the personal information of thousands of businesses last month as they submitted emergency loan applications during the COVID-19 pandemic, according to the Washington Post. The SBA has seen a large influx of applications from struggling businesses seeking emergency loans [...]
With hackers and scammers going to unprecedented lengths to steal information during the coronavirus pandemic, it’s important to know about tools you can use to help make it more difficult for criminals to access your information. While data security and identity theft are complicated issues, taking steps to reduce your exposure doesn’t have to [...]
As the COVID-19 pandemic has shown us, having an emergency savings fund is important for handling unexpected expenses. From job loss to reduced income to other unplanned issues, it is important to save up a few months’ worth of expenses to weather financial storms. Building a strong emergency savings fund takes more than slipping [...]
The coronavirus (COVID-19) pandemic has caused enormous financial insecurity across the country, with more than 10 million Americans applying for unemployment last month alone. If you’ve been financially affected, you’re probably worried about how you’re going to pay your bills. Timely bill payments aren’t just important to maintain your housing, services and other essentials. You [...]
As many of us are working from home during the coronavirus (COVID-19) pandemic, now is the time to be especially vigilant when it comes to protecting personal and business data online. Here are three tips to help secure your data. 1. Use a virtual private network (VPN). Securing employee access with a VPN can give [...]
The coronavirus pandemic has already dealt a severe blow to the American economy and has caused financial insecurity for countless citizens. The situation seems poised to get worse before it gets better. If you’re experiencing financial hardship – such as a job loss or reduced income – because of COVID-19-related circumstances, there are local, state [...]
After doing your taxes, you might find out you owe a hefty tax bill to the IRS. Millions of people owe the IRS every tax season and coming up with the money all at once can be a big financial burden. While you probably won’t be able to get out of paying the IRS, [...]
FICO® has announced its newest credit score models – the FICO Score 10 and FICO Score 10T – with a focus on consumer personal loans and credit trends. The new FICO Scores aim to reward those who pay lenders on time and give lenders more precision and predictability powers when making lending decisions, said [...]
Microsoft recently announced a data breach affecting one of its customer databases and exposing millions of records, including the personally identifying information (PII) of some customers who may have used Microsoft support since 2005. Between Dec. 5 and Dec. 31, a change made to an internal customer support database’s network security contained misconfigured security [...]
Planning a debt-free vacation is ideal. But traveling is costly, and the expenses can really stack up when it comes to vacations. Many people end up piling debt onto their credit cards just to travel to exciting destinations or get some rest and relaxation. If you want to plan a vacation this year without [...]
Hackers are becoming more and more sophisticated in their phishing email attempts to steal personal and company data. The number of data breaches caused by phishing is increasing with hackers finding their way into a company’s network using phished information such as employees’ stolen credentials, according to a recent report from cybersecurity organization Crowdstrike. [...]
If you went into debt shopping for the holidays, you’re probably not alone. Many American consumers plan to put at least some of their holiday spending on their credit card to pay off later. But putting too much holiday debt on your credit card can be bad for your wallet and your credit. Large [...]
There is a general lack of awareness surrounding credit, as American consumers’ knowledge about credit scores has been on a steady decline since 2012. And when you aren’t informed about your credit, it can be easy to believe misinformation and even spread it to others. Unfortunately, believing falsehoods about your credit can lead you to [...]
Landry’s Inc., the parent company of more than 600 restaurants, hotels and casinos, has announced a data breach exposing customers’ card payment information. Company officials reported a hacker accessed and installed malware to their network supporting payment processing, which is used by servers to swipe and charge customer credit cards. They said encryption technology [...]
Pennsylvania Attorney General Josh Shapiro announced a $110,000 settlement with the traveling websites Orbtiz and Expedia after a data breach that put the credit card information of almost 21,000 state residents at risk. Shapiro lead an investigation into the data breach that discovered a hacker was able to add malware to steal credit card payment [...]
The highest profile data breaches and cyberattacks often involve big businesses with millions of customers. But private companies aren’t the only organizations that are vulnerable to cybercrime – local governments are also popular targets for criminals. According to Verizon’s 2019 Data Breach Investigation, 16% of all 2018 data breaches involved public sector entities including [...]
This holiday season alone, retail industry professionals expect Americans to spend more than $1 trillion. Criminals see this increased spending as an opportunity to rip off consumers, steal their money, and obtain their personal data to commit fraud and identity theft. It pays to be vigilant. Here are four types of scams to watch [...]
These days, many banks and service providers offer automatic payments to make paying your bills a little easier. This feature lets the companies you do business with automatically charge your credit card or debit your bank account on a predetermined date every month. While automatic payments can remove many of the headaches associated with [...]
The head of cybersecurity at Capital One has been removed following this summer’s data breach that exposed the personal information of more than 100 million customers. Michael Johnson has transitioned from Capital One’s chief information security officer to a new role as senior vice president and special advisor for cybersecurity, according to the company. The [...]
The 7-Eleven Fuel app suffered a data breach in Australia last week that exposed users’ personal details. The app uses customer location and pricing data to help drivers find the best gas prices at local 7-Elevens, and lock in the low prices by prepaying. A customer reported the breach to 7-Eleven when he discovered [...]
A SIM swap scam occurs when thieves have gained enough of your personal information to convince a wireless provider to transfer your phone number to a new SIM card that is in their control. Once they have your phone number, they will try to access your accounts, including email, banking and even social media, and [...]
When people hear the term “spoof” they often think of a humorous parody of a song, movie, or real situation. It’s all about imitation — just like it is in the context of cybersecurity. But when it comes to cybersecurity, the imitation isn’t about humor or entertainment. In this context, spoofing refers to the [...]
Email and phone phishing scams are commonplace in the modern age. Their goal is to trick you into providing personal information, such as bank account numbers or personally identifying data, that can be used to commit fraud or identify theft. But thanks to spam filters and call screening, many phishing scams now go ignored. [...]
An energy firm is out almost $250,000 from a high-tech phone scam that used artificial intelligence to mimic the boss’s voice. The CEO of the unnamed company, based in the United Kingdom, thought he was on the phone with his boss from the company’s German headquarters and following directions when he transferred about $243,000 [...]
A new phishing scam is using false two-factor authentication to take over Instagram accounts. The scam, recently discovered by researchers, starts with emails stating the recipients have had a login attempt into their Instagram accounts. The email states if the recipients did not attempt to log into their accounts they need to log in [...]
Many retailers, from online sellers to department stores and smaller chains, have their own version of a store-branded credit card. Chances are that you’ve been offered one in exchange for a discount off your purchase at some point. While retailers often try to lure customers at the cash register with savings, store credit cards aren’t [...]
Five men have been charged with stealing millions of dollars from military members and veterans as part of an international identity theft and fraud ring that used stolen personal information to gain access to Department of Defense and Veterans Affairs benefit sites. The U.S. Department of Justice has charged Frederick Brown, Robert Wayne Boling [...]
The numerous recent data breaches have exposed the personal information of millions of people and put them at risk of having their information bought and sold on the dark web. The dark web is where cybercriminals go to anonymously buy and sell information – such as names, passwords, credit card numbers, and Social Security [...]
Officials of the credit monitoring site Credit Karma are blaming a “technical issue” for a data breach that exposed users’ credit and personal information to other site users. Users began posting to Reddit and Twitter this week to point out the issue, saying when they logged into the site they were given access to [...]
The dark web has been around for a long time, but it’s recently risen in pop culture — and for many people, it’s a relatively new concept. Increasingly frequent data breaches and cases of identity theft have put the dark web on our radars, but the subject remains strange and unclear to many people. As [...]
You already know that a decent credit score can help you get approved for the credit cards, loans, and other financial products you need. The better your credit score, the better your odds of securing approval. But there are other financial incentives to building a good credit score – it can actually save you a [...]
Now is the time to protect yourself against account fraud and identity theft, which can do massive damage to your credit and finances. Luckily, you don’t have to be a finance guru or cybersecurity wizard to better protect your money and identity. Here are four realistic anti-fraud changes you can make immediately to protect yourself: [...]
With the Black Hat and DEF CON conventions – the mecca for both information security professionals and hackers alike – taking place in Las Vegas this month, one major industry focus this year is aviation software vulnerabilities. Black Hat, which runs Aug. 3 – 8, features a presentation on the Boeing 787 software system [...]
Missing a monthly bill payment carries consequences more severe than late fees and embarrassment. Late payments can cause long-term damage to your credit score and affect your ability to qualify for loans and other financial products. You should always try to make your payments in full and on time to avoid these consequences, as your [...]
An ex-Amazon employee has been arrested for allegedly hacking the account information of more than 100 million Capital One customers. Paige Thompson, of Seattle, is accused of exposing customers’ personal information – including names, addresses, credit scores, bank account numbers, Social Security numbers, and Canadian Social Insurance numbers – and attempting to share the information [...]
When it comes to consumer protection and security, not all credit cards are created equal. While all credit cards do offer basic security features, some cards go above and beyond to protect cardholders. If you’re looking for a new credit card, you should make sure the credit card issuer is prepared to provide protection. Here [...]
Equifax is expected to pay about $700 million for a data breach that put almost half the U.S. population’s personal information at risk, according to the Wall Street Journal. The credit-reporting firm is working to finalize an agreement that includes a $700 million settlement with the Federal Trade Commission, Consumer Financial Protection Bureau, numerous [...]
Social media giant Facebook has agreed to a $5 billion fine – the largest in Federal Trade Commission history – for violating users’ privacy. The record-breaking fine comes after the FTC began investigating the company last spring after political consulting firm Cambridge Analytica gained access to almost 87 million Facebook users’ data without their [...]
