Privacy Policy

How Dr. Detail Protects Your Identity

Your privacy is our priority and Dr. Detail is committed to protecting you

• We do not sell customer information to anyone.
• We use encryption technology to protect sensitive information that is transmitted over the Internet.
• We control access to your information inside our company by limiting employee access to systems and data.
• We ensure all employees are trained to safeguard your information.
• We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate.
• Our most important asset is our relationship with you. We understand that you have entrusted us with your private financial information, and we do everything we can to maintain that trust.

Dr. Detail understands that you have entrusted us with personal information that is both important and confidential. We take our responsibility to protect your information extremely seriously.

Dr. Detail updates its security and privacy standards to guard against identity theft and provide security for your account information. We constantly re-evaluate our security and privacy policies and adapt them as necessary to deal with new challenges.

Dr. Detail's account protection efforts fall into but are not limited to these categories:

Website Security - Secure transmission connection to our Dr. Detail Web sites

We use Secure Sockets Layer (SSL) technology and encrypted "cookies" to establish and maintain a secure transmission connection and encrypt data passing between your computer and our systems. This is designed to prevent anyone from intercepting or viewing your personal information. Our Secure Sockets Layer (SSL) Certificate enables you to protect transactions and other activity on your Web site with as much as 256-bit Secure Sockets Layer (SSL) encryption.

From the time you access Dr. Detail, communications between your computer and Dr. Detail are encrypted using Secure Sockets Layer (SSL) technology, a secure communication protocol that protects your privacy. SSL enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.

To support this technology, you need a recent version of an SSL-capable, 128-bit browser, such as Netscape, Microsoft Internet Explorer, or AOL. These browsers will activate SSL automatically whenever you access Dr. Detail.

Look for the padlock! To ensure that SSL encryption is protecting your private communications, look for a small picture of a padlock on the browser frame. Another indicator is the URL prefix "HTTPS". See below.

HTTPS indicator
Located in the URL address in all browsers.   

Internet Explorer
The padlock appears in the lower right corner of the browser frame.

Mozilla Firefox
The padlock appears to the right of URL in the address bar as well as in the lower frame of the browser

Apple Safari
The padlock appears in the upper right hand corner of the browser frame.

Netscape
The padlock appears in the lower right hand corner of the browser frame.

Email Security - Policies to fight "phishing" and other email-related security challenges

Dr. Detail is constantly re-assessing its email security and log in standards to provide protection against new and changing security challenges.

Recently there has been rapid growth in email-related information security challenges such as "phishing" or "spoofing" schemes. These fraudulent techniques attempt to fool you into giving up your personal data by impersonating legitimate communications from financial service providers.

In terms of email delivery, "spam" is unsolicited bulk email. Spam is generally considered junk email and can be a continuing annoyance to its recipients. It is considered poor netiquette to send spam. Because of the rapid proliferation of increasingly innovative spammers, advanced spam-filtering technology, such as Spam Xploder, which is featured in all of our email accounts, is becoming increasingly pervasive.

Domain-verification technologies, in cooperation with Internet service providers, enable clients to verify that emails claiming to have come from Dr. Detail actually did come from Dr. Detail. 

Standardization of Dr. Detail emails and adherence to industry anti-phishing best practices. We continually re-design our email policies to incorporate the latest tools and standards aimed at preventing phishing.

Transaction Monitoring, Employee Oversight and Access Control

- Watching for unusual account behavior

We have internal transaction monitoring systems in place to identify potentially suspicious and fraudulent activities. These systems are combined with strict controls on employee access to account information, creating a further layer of protection for your information.

We use transactional monitoring tools to detect suspicious account activity. When these systems flag a questionable transaction we contact the client to be sure the transaction is legitimate and that it will be processed safely and rapidly. This transaction monitoring further strengthens the security we provide for your financial and personal information.

Training - Employee training

Dr. Detail employees are trained to safeguard your personal information.

We take precautions to ensure that your account and personal information at Dr. Detail are accessed only by employees who are authorized and monitored. This is done through access controls and training, as well as procedural safeguards. Employees are trained in our notifications policy and are required to promptly report any potential breach.  Potential incidents are tracked, assessed and investigated. When necessary outside law enforcement agencies become involved.

Steps You Should Take

Client Security Practices

Your participation is an important component of all of our security efforts. We believe it is essential that we work in close cooperation with you as our client to maintain the highest levels of security. We recommend that you adopt these best practices:

Protecting the security of your computer

• Keep your computer and browser software current with security updates.
• Install and update anti-virus and anti-spyware software and use personal firewalls to protect your computer.
• Be alert to the threats posed by malware--short for malicious software, this form of software is designed specifically to damage or disrupt a system, or to secretly record information such as keystrokes. Malware types include key logging tools, trojan horses, hijacking programs, and dialer programs that may reside on your personal computer. While these threats constantly evolve, you can help protect your personal information and computer by using a personal firewall, maintaining up-to-date anti-spyware and anti-virus programs, and by immediately reporting any suspicious activity involving your personal information.
• Do not enable any application features that would automatically log you in to Dr. Detail.
• For more information on how to protect your personal computer, including links to vendors providing anti-virus and anti-spyware software, please visit the Federal Trade Commission's computer security site at http://onguardonline.gov. Microsoft Corporation provides additional information specific to the Windows operating system at http://www.microsoft.com/security/. Users of Apple computers can find security information at http://www.apple.com/support/security/.

Using your computer safely

• Your username and password are for your use only. Do not share them with anyone.
• Check to make sure you are interacting with a secure Web site see above.
• Always log off after accessing your Dr. Detail account. This prevents someone else from accessing your account if you leave your computer unattended while the session has not yet "timed out," or automatically shut down.
• Be careful about using third-party computers or computers that you are not familiar with, such as those in Internet cafés.
• If you do use a third-party computer, be particularly careful to ensure you have fully logged out. Dr. Detail's systems are set to prevent browsers from saving account information in a computer's Internet cache, but as an extra precaution you may want to clear the cache of any public computer on which you have accessed your Dr. Detail accounts. Please check the browser's help section to learn how to manually clear its Internet cache.

Reading your statements:

• Review your statement carefully.

Recognizing and fighting fraud

• Do not provide personal or financial information in response to an email request or by clicking on a link, unless you are able to verify the authenticity of the site to which you are taken through the SSL padlock or other means.
• Note that Dr. Detail will never ask you to provide personal financial information in an email.
• Do not open an email from a sender that your do not recognize. Be particularly cautious of any attachments to emails from unrecognized sources.
• Immediately report any unusual activity regarding your Dr. Detail accounts to our representatives at 800-724-7526.

How to Protect Against Phishing

What Is Phishing?

Phishing is the illegal attempt to mislead consumers into providing personal or financial information, including account numbers, passwords and Social Security numbers, via email or through fraudulent Web sites.

The most frequent phishing attacks occur through email disguised to appear as though it came from a reputable financial institution or company.

Most phishing attempts urge you to update or validate your account information, typically through a link in an email directing you to a fake Web site that appears to be legitimate.

How To Spot a Phishing Attack

There are many phishing attacks active on the Internet. Here are a few of their lines and lures:

• An email contains an "urgent" or "shocking" tone requesting your immediate action on an account-related matter. Phishers frequently succeed by getting consumers to act quickly without thinking.
• An email is sent from a user falsely claiming to be a legitimate company with an attachment. An unsolicited email attachment more than likely contains a virus. Do not open it.
• A pop-up window appears from a user falsely claiming to be a legitimate company's Web site asking for personal information.

Learn More About Phishing Scams or Identity Theft

Additional information can be found at http://www.antiphishing.org/ or http://www.consumer.gov/idtheft/ .

If you believe that any communications with or from Dr. Detail resulted in identity theft, call us immediately at 714-870-8555.

What To Do If You Are A Victim of Identity Theft

If you are a victim of identity theft, here are some recommended steps:

Contact the fraud departments of each of the 3 major credit bureaus:

Equifax Report Fraud 800-525-6285 Order Credit Report 800-525-6285 Web address http://www.equifax.com Address PO Box 740241 Atlanta, GA 30374-0241

Experian Report Fraud 888-397-3742 Order Credit Report 888-397-3742 Web address http://www.experian.com Address PO Box 9530 Allen, TX 75013

Trans Union Report Fraud 800-680-7289 Order Credit Report 800-916-8800 Web address http://www.transunion.com Address PO Box 6790 Fullerton, CA 92634-6790

• Report the identity theft and request a "fraud alert." This ensures that you will be contacted before any new account is opened and/or an existing account is changed.
• Request copies of credit reports. Review the reports carefully and identify any new accounts that may have been opened. Pay particular attention to the section of the report that lists "inquiries" from new companies. Contact these companies immediately and have them remove any pending or new accounts from their system. Note: Credit bureaus must provide free copies of credit reports to victims of identity theft. Contact the fraud departments of creditors to dispute unauthorized charges (e.g., credit card issuer, phone companies, utilities, banks, other lenders.) Describe your identity theft problem and follow up with a letter.
• Contact the fraud departments of creditors to dispute unauthorized charges (e.g., credit card issuer, phone companies, utilities, banks, other lenders.) Describe your identity theft problem and follow up with a letter.
• File a report with your local police department and ask to file a report. This may help when clearing your credit.
• File a complaint with the Federal Trade Commission (FTC). The FTC handles complaints from victims of identity theft, provides information to those victims, and refers complaints to appropriate entities, including the major credit-reporting agencies and law enforcement agencies.

By phone: 877-ID-THEFT

Online Complaint Form: http://www.consumer.gov/idtheft

Other Resources to Learn More about Identity Theft:

• Federal Trade Commission - IDTheft -- http://www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm
• Federal Trade Commission - Phishing -- http://www.ftc.gov/bcp/conline/pubs/alerts/phishingalrt.htm
• Identity Theft Resource center -- http://www.privacyrights.org/
• Identity Theft Prevention and Survival -- http://www.identitytheft.org/
• Social Security Administration -- http://www.ssa.gov/oig/guidelin.htm
• Justice Department -- http://www.usdoj.gov/criminal/fraud/idtheft.html
• Postal Inspection Service -- http://www.usps.com/websites/depart/inspect/

Please note, these links are being provided as a service convenience. Dr. Detail is not affiliated with any of these organizations and cannot guarantee their accuracy, effectiveness and/or completeness.