debcook

There is a small flash drive like device that can protect you from online hackers and key loggers. It uses much of the same technology as a smartcard. Think of the way an ATM works. The card stays in your possession and is required to log in – in addition to the PIN that the ATM recognizes.

With the ID Vault software loaded on your computer you are prompted to set up your account login information when you plug the ID Vault into a USB port. Banking, investment, shopping and email accounts are some of the options you have. Over 7000 websites are approved by ID Vault and if you attempt to log into a fraudulent site your login will be disallowed. Typically fraudulent websites are those that you are urged to open from an email.

Your personal login information is stored on the device itself. If you loose it no one else can access your information unless they have your PIN. You can log into any website without the ID Vault – you just will not be protected and you will not be covered by the $1,000,000 identity theft guarantee.
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After the first year there is a subscription fee that covers support and software updates. I think that the price of $39.99 per year is reasonable for the peace of mind. When I travel I do not have the security of my own home network. Hotspots and networks of friends and family may not be secure. With the ID Vault plugged in there is no need to type in usernames and passwords. Even the PIN is not typed in – you click on an on the screen keypad.
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I like that my information is stored on a device that I have control of. It is better than having it stored somewhere in cyberspace where it could be compromised.