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You can tell UpYourImage.com not to share this information internally within the different divisions of UpYourImage.com, as explained further below.

In addition, UpYourImage.com may share customer and client information with companies that work for UpYourImage.com in order to provide marketing support and other services, such as a service provider that distributes marketing materials, professional service and supply vendors, clinical practice guidelines and texts, best practice materials, etc.  These companies may help us to market UpYourImage.com products and services or other products and services that UpYourImage.com believes may be of interest to our customers and clients.  Please note that some of UpYourImage.com other divisions may provide marketing support and other services for UpYourImage.com as well.

UpYourImage.com may share identification information, transaction and experience information as well as other general information UpYourImage.com collects in the ordinary course of business with customers and clients with banks and credit card companies that UpYourImage.com uses in the ordinary course of business transactions.  These may be shared with credit reporting agencies and entities.  This may include the following:

1. Credit card account information provided by you to UpYourImage.com for products and services may be shared with third parties – banks, credit card processing companies and credit reporting agencies.
2. Sponsored Account information may be shred with third parties.  Sponsored account are non-financial, non-credit card accounts or services provided by UpYourImage.com in the ordinary course of business that may be endorsed, co-branded or sponsored by other organizations.  Examples of these organizations may include clinical and scientific textbook publishers, digital imaging services, office and clinical supply service vendors, other retailers and affinity organizations.  UpYourImage.com will let you know whether a product or service is a Sponsored Account by the appearance of the UpYourImage.com name or logo on the sponsoring organization’s information and materials, statements, applications and online forms and supplies.
3. UpYourImage.com may share information collected about clients and customers collected in the ordinary course of business with selected third parties, including:
   • Financial service companies (such as health, life and disability insurers and office/premise casualty and professional liability carriers sponsored or endorsed by UpYourImage.com, mortgage brokers and other organizations and suppliers with whom UpYourImage.com has an agreement to jointly market services and products);
   • Non-financial companies (such as professional retailers and clinical service vendors, travel companies and membership organizations); and
   • Other companies (such as professional not-for-profit associations and membership organizations).

Information shared is limited to the information described in this section.  Customers and clients can elect to opt out of this sharing by following the instructions in the section below – Information Sharing: Honoring Your Preferences.

1. When permitted or required by law as noted elsewhere above;
2. With UpYourImage.com service providers as noted elsewhere above;
3. With companies with whom UpYourImage.com has joint marketing agreements.

If you elect not to receive any direct marketing offers by postal mail, telephone and/or e-mail, please note that UpYourImage.com may continue to contact you as necessary to service any existing accounts for products and services you have with UpYourImage.com, and for other non marketing purposes.

Each customer may opt out of each direct marketing option individually.  Since some marketing programs may already be in progress, it may take a few weeks for your preferences to be fully effective.

1.  Notifying UpYourImage.com at info@UpYourImage.com.com and entering the information on the UpYourImage.com Web site.
2. Calling UpYourImage.com at (888) 315-3899.
3. Talking to an UpYourImage.com representative or principle

When you contact UpYourImage.com, please be prepared to provide the following information:

• Your name – First Name, Middle Initial, and Last Name
• Address, City, State and Zip Code
• Telephone number and fax number (if applicable)
• E-mail address (if applicable)
• UpYourImage.com Clients – Accounts or reference numbers to UpYourImage.com products and programs

UpYourImage.com Customers – Accounts or reference numbers to UpYourImage.com products purchased

If any of these pieces of information change, other than your account number, please notify us to ensure that your preferences are consistently honored.  Once you have informed UpYourImage.com of your preferences, UpYourImage.com will continue to honor them.  You do not need to take any further action.

• Carry only the minimum amount of identifying information you require.
• Carry your wallet in your front pocket, if possible.
• Insist on identifiers other than your Social Security number.  Request that your health insurer, employer, broker and others use an identifier or randomly selected numbers instead of your Social Security number.
• Pay attention to billing cycles and statements.  Inquire if you do not receive a bill you expected.
• Review your account statements thoroughly and report any suspicious activity to the appropriate entity – bank, credit company, UpYourImage.com, etc.
• Report lost or stolen checks, credit or debit cards immediately.
• Never provide personal information over the phone unless you have initiated the call and know with whom you are speaking.
• Do not preprint your driver’s license or Social Security number on checks.
• Safeguard all of your bank cards – ATM credit and debit cards.
• Protect your PINs and other passwords. Memorize your PINs (personal identification numbers) and refrain from writing PINs, your Social Security number or credit card numbers where they might be found. Do not share them with anyone unless it’s for a service or transaction you request and your are confident that the other party will protect the information as you would.
• Store all of your account statements and accounts in a safe place.
• Check notices from the IRS that indicate you haven’t paid taxes on certain earnings, which may indicate someone is working under your Social Security number.
• Obtain and review your credit report from all three credit reporting and tracking bureaus at least once every year.  Make sure all of the information is up to date and accurate; that there are no new loans (e.g., home, car, credit card or school) taken out in your name or new credit card accounts you didn’t open. Have information relating to fraudulent transactions deleted.
• Tear up or shred old receipts and account statements, and any pre-approved credit offers to which you are not going to respond before throwing them away.
• Reducing Direct marketing from companies - You are encouraged to contact the following agencies if you want to reduce the amount of advertising you receive from vendors of all types:
• Credit Reporting Industry
  To have your name taken off all pre-approved credit solicitations call the credit reporting industry Prescreening Opt-Out Number at 1-888-5OPTOUT (1-888-567-8688).
• National Do Not Call Registry
  UP YOUR IMAGE supports the National Do Not Call Registry.  To have your phone number added to the National Do Not Call Registry, call 1-888-382-1222 or register at donotcall.gov.  While this will stop most calls, you may still receive calls from businesses
  where you are the customer.

  If you think you have been a victim of identity theft or fraud, take immediate action and keep records of your correspondence and telephone and other conversations – to whom you reported the incident, the date, time of day and account of what you reported, what the listener advised and the context of the conversation. While the steps you should take will vary with your individual circumstances, four basic actions are appropriate in almost every case:

1. Contact the fraud departments of any one or all three major credit bureaus to place a fraud alert on your account or credit line.  It is a relatively quick process that can be done by telephone via the credit bureaus’ automated systems.  You will need to key in your Social Security number and other identifying information.  You will be asked to give your telephone number and it is recommended that you give your cell-phone number if you have one so that the credit bureaus can reach you easily.
   1. Equifax (www.equifax.com): 1-888-766-0008 - PO box 740241, Atlanta, GA 30374-0241
   2. Experian (www.experian.com) 1-888-397-3742 - PO Box 9532, Allen, Texas 75013
   3. Trans Union (www.transunion.com) 1-800-680-7289 - PO Box 6790, Fullerton, CA 92834

A fraud alert tells companies that they should call or contact you to verify your identity whenever they check your credit report with the intention of opening an account in your name or making any changes to an existing account.

A fraud alert is free and the bureau should send you a confirmation letter within a week with instructions about how to order a free credit report.

A fraud alert is good for ninety (90) days.  It is recommended that you renew the alert a couple of weeks before it is due to expire, every three months for at least a year since identity thieves may take their time before using your information.  Putting a fraud alert on your credit reports may delay the grant of instant credit but it should not lower your credit score or prevent you from getting a loan.

2. Contact the creditors for any accounts that have been tampered with or opened fraudulently.
3. File a report with your local police department, or the police in the community where the identity theft took place, and get a copy of the police report for your records.
4. File a complaint with the Federal Trade Commission (FTC).  Complaints can be filed by telephone, 1-877-IDTHEFT, (1-877-438-4338), or through the FTC’s identity theft Web site at www.consumer.gov/idtheft.
5. Change your bank account numbers.  If you use direct deposit and the data stolen had to do with compensation issue, you might want to change your bank account numbers.  When changing your account(s), make sure you use a password and PIN that is not your mother’s maiden name, your birth date, your Social Security number or any part of it, or any other easily guessed code.  Once your account is changed, you should receive a new ATM or debit card as well as new checks.  Make sure to shred your old checks as soon as possible.  Be sure to alert any company whose bills you pay directly from your bank account about the change in your account numbers.