Spam protection – Anti Spam League Wed, 04 May 2022 23:56:06 +0000 en-US hourly 1 Spam protection – Anti Spam League 32 32 Become Personal – Data Protection Landscape in the UAE | Hogan Lovells Wed, 04 May 2022 17:20:39 +0000

Key provisions

The DP Act applies to the whole of the United Arab Emirates, with the exception of the financial free zones (which fall outside the scope of this article). The DP Act attempts to create a data protection framework for the UAE that complies with global “best practices” in data protection and data privacy, including the European General Data Protection Regulation ( GDPR). While the law entered into force on January 2 this year, entities controlling and processing data have a grace period of six months from the date of introduction of the regulations implementing the law on Data protection. As with many laws in the UAE, the DP Act provides a broad regulatory framework while relying on Executive Regulations to complete the details of how the law should operate in practice. The executive regulation was scheduled for March 2022 but in April 2022 it was still expected. The DP Act will be administered by the UAE Data Office, which was recently established under UAE Law Number 44 of 2021. The UAE Data Office is not yet fully operational.

The DP law has an “extraterritorial” scope similar to the GDPR. It applies to all companies that process personal data in the UAE (for data relating to data subjects inside and outside the UAE) or that are based outside the UAE but process personal data relating to data subjects who are located inside the UAE. . Data excluded from the application of the law includes health data, government data, banking and credit data. As shown below, the DP Act will work alongside certain industry-specific regulations that control discrete categories of data.

Article 4 of the DP Act establishes that the processing of data requires the consent of the data subject, unless one of the limited exceptions applies to allow the processing on another legal basis. The exceptions are similar to those covered by the GDPR and include processing that is necessary to protect the public interest, to protect the interests of the data subject or to perform a contract to which the data subject is a party. Interestingly, no exception allows processing on the basis of a legitimate interest. However, the law on the DP offers the possibility of introducing other grounds within the framework of the executive regulation. As such, we can see these grounds expanded to include this relatively more flexible basis for valid processing of personal data.

As with the GDPR and other similar legislation, international data transfers can take place without consent under the DP law if the country to which the data is transferred has an adequate level of protection. This requirement will be met when the country has enacted special personal data legislation or has entered into a bilateral or multilateral data protection agreement with the UAE. It is expected that the UAE Data Office will be able to provide additional guidance on these jurisdictions once it is fully operational. Data may be transferred internationally, whether or not the recipient jurisdiction has an adequate level of protection, provided that the data subject has consented to such transfer and that it does not conflict with the interests public and security services of the UAE.

The path to protection

Historically, UAE-based residents have enjoyed very little protection when it comes to the collection and use of their personal data. While the UAE Constitution includes the right to privacy as a fundamental principle and the UAE Penal Code prohibits the publication of an individual’s private or family life, these are totally insufficient to give individuals real control over how their data is used, especially in an increasingly digital age. As any resident can attest, this is reflected in the alarming number of unsolicited marketing calls, text messages, emails and even WhatsApp messages received regularly from local businesses.

More recently, the Electronic Transactions Act prohibits unauthorized access and disclosure of electronic records or communications, while the Cybercrime Act was introduced to address hacking/identity theft issues. The Telecommunications Regulatory Authority has also introduced an anti-spam policy, albeit with limited effectiveness as it places the enforcement responsibility on the telecom operators (i.e. Du and Etisalat) without impose penalties on companies generating spam.

Industry-specific data protection regulation has also increased, particularly in healthcare and finance. On the other hand, the DP law also closely followed a new consumer protection law in 2020. The consumer protection law establishes the right of consumers to the protection of their data. The law also prohibits the use of this data for marketing purposes without an individual’s consent. However, as with the DP Act, we have yet to see the Consumer Protection Act Implementing Regulations, which should provide more detail on how these principles will be implemented.

Impact in practice?

The introduction of significant regulatory controls in this area is a welcome change for a country striving to consolidate its position in the global economy. However, the question remains how effective these legal reforms will be and what impact, if any, will be felt by individuals in terms of control over personal data. While these changes lay an important foundation for adequate personal data protection in the UAE, further legislative development must be prioritized before individuals see a noticeable impact in practice.

As mentioned above, the DP law will only be applied in practice six months after the introduction of the executive regulation. Also, no specific timeline has been given as to when the UAE Data Office (as a key regulator) will be fully operational. Coupled with the delay in consumer protection law enforcement regulations, these issues provide a very uncertain timeline as to when we can see these developments implemented in a meaningful way. The far-reaching nature of these reforms will ensure that developments will be watched and analyzed with great interest by many. In the meantime, residents of the United Arab Emirates will unfortunately have to continue to screen these unsolicited marketing calls and delete unwanted spam.

New free service for cardholders Wed, 20 Apr 2022 18:31:54 +0000

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  • 11.6 billion fraudulent text messages were sent to Americans in March 2022.
  • Scammers obtain your personal information from websites that legally sell data such as your email address and phone number.
  • Discover is launching a free service that will remove your information from 10 of the most popular people-finding websites.
  • Read the Insider’s guide to the best credit cards.

Discover has started rolling out a great feature that can significantly reduce the chances of its customers becoming victims of identity theft.

Discover Online Privacy Protection is a free service that proactively seeks out and destroys your personal data from 10 popular information-gathering websites. This means you will receive fewer spam calls and fake emails. You can sign up for Online Privacy Protection with just a tap of your smartphone.

Discover presents online privacy

According to an analysis by Teltech, Americans received 11.6 billion fraudulent text messages in March 2022 alone. Scammers and spammers use various websites to collect your information and call, text or email you.

Online Privacy Protection will automatically remove information such as your name, home address, age, phone number and email address from the following websites:


These 10 sites legally collect and sell your information. Discover Online Privacy Protection will re-scan these sites approximately every 90 days to ensure that your data has not reappeared. It can save you many hours and headaches trying to delete this information yourself.

Read more: Credit card fraud is more common than you think, but you can protect yourself with 5 simple steps

Who is eligible for online privacy protection?

Regular APR

12.24% – 23.24% variable

Recommended credit score

good to excellent

Regular APR

12.24% – 23.24% variable

Recommended credit score

good to excellent


  • Earn 5% Cash Back at Gas Stations and Target on up to $1,500 in purchases after signup from April 1 through June 30, 2022, then 1% thereafter
  • Discover will match your cash back at the end of your first year of account
  • No annual fee

The inconvenients

  • Limit the amount of bonus cashback you can earn each quarter
  • If the quarterly categories are not for you, you can earn more money with another card

Read our review
Read our review A long arrow pointing to the right

More information

  • Introductory offer: Unlimited Cashback Match – only at Discover. Discover will automatically match any Cash Back you have earned at the end of your first year! There are no minimum spend or maximum rewards. You could turn $150 in cash back into $300.
  • Earn 5% cash back on your everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay with PayPal, up to the quarterly maximum when you activate.
  • Plus, automatically earn unlimited 1% cash back on all other purchases.
  • Redeem cashback of any amount, anytime. Rewards never expire.
  • Redeem your rewards at checkout on
  • No annual fee.
  • Discover is accepted nationwide by 99% of places that accept credit cards.
  • Click “Apply Now” to view rewards, FICO® credit score requirements, Cashback Match(TM) details and other information.

Introduction AVR

0% intro APR for 15 months on purchases and balance transfers

If you have the Discover mobile app, you will have the option to register for Online Privacy Protection. Only Discover credit card and bank customers are eligible for this benefit. In other words, you can’t use it if you don’t have an account with Discover.

Learn more: Simple ways to protect your data that don’t take a lot of time, but could have huge security benefits

All Discover credit cards have no annual fee. The most popular cards include:

  • Discover it® Cash Back – Earn 5% cash back in categories that rotate quarterly on up to $1,500 in combined spend when you activate (then 1%) (April 1 through June 30, 2022, you can earn 5 % cash back at gas stations and Target up to $1,500 in purchases after sign-up, then 1%). You’ll also get 1% cash back on all other qualifying purchases.
  • Discover it® Miles — Earn 1.5x miles (1.5%) on all your purchases.
  • Discover it® chrome — Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined spend each quarter (1% thereafter). You’ll also get 1% cash back on all other qualifying purchases.

Read more: Best Discover credit cards

These cards do not come with a sign-up bonus per se, but for Discover it® Cash Back and Discover it® chrome, Discover will match any cash back you have earned after the first 12 months of opening the account. For Discover it® Miles, Discover will correspond to all the miles you have earned at the end of your first year. That could be hundreds of dollars, depending on how often you use your card.

Discover cards already offer great security features such as the ability to freeze your account if you misplace your card. It also offers identity alerts that search the internet for security holes where your social security number has been revealed. Online Privacy Protection is a nifty perk that bolsters Discover’s suite of security benefits – making Discover credit cards more attractive than ever.

Capital One Venture X Cell Phone Protection Details Sat, 13 Nov 2021 08:00:00 +0000
In the interest of full disclosure, OMAAT earns a referral bonus for anyone approved through some of the links below. These are the best publicly available deals (terms apply) that we have found for each product or service. The opinions expressed here are solely those of the author, and not those of the bank, credit card issuer, airline, hotel chain or product manufacturer / service provider, and are not ‘have not been reviewed, approved or otherwise approved by any of these entities. Please see our Advertiser Policy for more details on our partners, and thank you for your support!

Link: Apply Now for the Capital One Venture X Rewards Credit Card (this is the best publicly available offer for the card, and we appreciate your support if you use our link)

There’s a lot to learn about the new Capital One Venture X Rewards credit card, given that it marks Capital One’s entry into the premium credit card space. A lot of people apply (and are approved) for the card, so there are a lot of benefits to be discovered.

In this article, I wanted to take a closer look at Capital One Venture X’s cell phone insurance policy, which sets it apart from some other premium credit cards. Let me note up front that you will want to check out the Complete Guide to Capital One Visa Infinite Benefits for all the details as they are subject to change and there are other restrictions.

How Venture X Cell Phone Protection Works

Capital One Venture X will reimburse you up to $ 800 in the event your cell phone is stolen or damaged. This is extremely valuable, given the high price of cell phones these days and the ease with which they can be damaged. Let’s go over the basics of this blanket:

  • This benefit applies if you are a Capital One Venture X cardholder and charge your monthly cell phone bill to your card for the billing cycle before the month in which the incident occurs; coverage applies to all lines listed on the invoice
  • You can use the cell phone protection benefit up to two times in any 12 month period, and you can get up to $ 800 per claim.
  • There is a $ 50 deductible per claim
  • The advantage is additional coverage, so it applies when there is no coverage by another insurance policy; if you have another insurance policy, the service will reimburse you for the deductible
  • You can be reimbursed at the lesser of the cell phone supplier’s suggested retail value for a similar replacement model or the actual cost of replacing the phone.
  • If your cell phone is stolen as a result of criminal activity, you must file a police report within 48 hours of the event

When does Venture X cell phone coverage apply?

What is and is not covered by the Capital One Venture X Cell Phone Insurance Plan? At the most basic level, cell phone protection covers damage, theft or unintentional and accidental separation of your cell phone (this applies when the location of the phone is known, but recovery is not possible). Cosmetic damage is not covered by this benefit.

When does Venture X cell phone protection not apply? There is no coverage for:

  • Accessories for mobile phones, other than the battery or the standard antenna supplied by the manufacturer
  • Cell Phones Purchased for Resale, Business or Commercial Use
  • Lost or “mysteriously disappearing” cell phones (meaning the phone has gone unexplainedly missing without proof of wrongdoing)
  • Cell phones stolen from luggage unless carried in the hand
  • Mobile phones rented, borrowed or part of prepaid-type plans
  • Cosmetic damage to the cell phone, or damage that does not impact the capabilities and functionality of the cell phone

How do I file a Venture X cell phone insurance claim?

What is the process for filing a claim with the Capital One Venture X mobile phone protection feature?

  • Within 60 days of the date of the damage or theft, notify the Benefits Administrator at 1-844-288-2140; preliminary questions will be asked and a complaint form will be sent to you
  • You must return the completed and signed claim form and requested documents within 90 days of the date of the damage or theft
  • You will need to submit the completed and signed claim form, a copy of your cell phone bill showing payment was made with your card, a copy of the device summary page of your cell phone bill to show that the specific phone is linked to your account, and a police report (assuming the claim is due to theft or criminal action)
  • The Benefits Administrator can choose to repair or replace your cell phone; generally, you will be refunded within 10 business days of your request being approved

How does cell phone coverage compare to that of other credit cards?

The two main competitors of Capital One Venture X are the Chase Sapphire Reserve® Card (valuation) and the Platinum Card® from American Express (valuation). How does the coverage of the two cards compare?

  • The Chase Sapphire Reserve does not offer cell phone protection
  • The Amex Platinum offers cell phone protection, and the terms are pretty much the same – you can get $ 800 per claim, up to $ 1,600 per 12 month period, there’s a $ 50 deductible and cosmetic damage. are not covered

Should you pay your cell phone bill with the Venture X?

When deciding which credit card to put your cell phone bill on, you should consider:

  • Which card offers the most points per dollar spent on your cell phone bill; since you have to pay your bill with the card to get the coverage, this is an important consideration
  • Which card offers the best protection for your needs, which might include taking into account maximum policy coverage, deductible, etc.
  • While some people probably use personal and business cards more interchangeably than they should, you need to make sure you are using the correct type of card here; for example, when you file for cell phone protection with a business card, you will need to confirm that everyone on your bill has a line of business, and you don’t want to lie

When you consider all of these factors, I think there is a compelling case for putting your cell phone spending on the Capital One Venture X:

  • While the Venture X does not offer a bonus category for mobile phone spending, the card does offer the best return on daily spending of any card, which I estimate at a return of 3.4%; it’s better than the Amex Platinum which only offers 1x Membership Rewards points per dollar spent, which I evaluate at a yield of 1.7%
  • There is no other personal credit card (at least to my knowledge – correct me if I’m wrong) that offers a better combination of a good return on mobile phone expenses and coverage as well. solid
  • When it comes to business credit cards, the Ink Business Preferred® (review) credit card offers up to 3x Ultimate Rewards points on cell phone spending (which I rate at 5.1% return) , and the card also offers cell phone protection, with a limit of $ 1,000 per claim and a deductible of $ 100

I would love to hear what OMAAT readers think here: is the Capital One Venture X the best personal card to pay your cell phone bill in terms of the combination of the points you can earn and the quality of the cover, or is there another card I’m missing?

At the end of the line

The Capital One Venture X offers a Cell Phone Protection Plan, which can help you if your phone is stolen or damaged. This plan can reimburse you for up to $ 800 per claim, with a deductible of $ 50. When you combine the great protection of the card with the solid return on your daily expenses, it might be worth putting your cell phone bill on that card.

What do you think of Capital One Venture X cell phone protection? Do you plan to put your cell phone bill on this card, or which card do you plan to use?

CISA provides ransomware protection advice to agencies Thu, 04 Nov 2021 15:31:50 +0000

CISA offers ransomware advice as attacks evolve

The CISA guide includes the following recommendations:

  • Keep encrypted data backups offline and regularly test backups
  • Create, maintain and implement a basic cyber incident response plan, resilience plan and associated communication plan
  • Mitigate Internet vulnerabilities and misconfigurations to reduce the risk of actors exploiting this attack surface
  • Reduce the risk of phishing emails by activating powerful spam filters and implementing a cybersecurity awareness and training program
  • Practice good cyber hygiene by keeping antivirus and antimalware software and signatures up to date, implementing application whitelisting, ensuring privileged users and accounts are restricted, using multi-factor authentication and implementing other CISA cybersecurity best practices

“Over the past year, we have seen an upsurge in ransomware attacks among state, local, tribal and territorial governments, as well as small and medium-sized businesses,” said Boyden Rohner, CISA associate director for vulnerability management. “This is an epidemic that affects cities, police, hospitals, schools, manufacturing targets and critical infrastructure, and ransomware players do not discriminate on the basis of industry or location. size of the organization. “

Recent ransomware attacks against state and local agencies include incidents in Joplin, Missouri, targeting the Alaskan justice system and the Washington, DC Metropolitan Police Department.

Even when they are not in the national news, these attacks occur across the country and impact daily life.

“We have seen horrific examples of compromised state DMV systems, and people cannot renew their driver’s licenses. Local governments are affected by ransomware and they cannot process marriage licenses, death certificates, ”said Matt Pincus, director of government affairs at the National Association of State Chief Information Officers.

RELATED: Learn how to create an effective incident response plan.

This creates growing concerns for people, who may think, “I will not be able to go to school, I will not be able to get treatment in a hospital, I will not be able to do anything with my condition or my government. local, ”Pincus says.

Traditionally, malicious actors have demanded a ransom in exchange for decryption; The CISA guidelines explain that threats have evolved to become “more destructive and more impactful”. Today, a growing number of hackers are exfiltrating data, including personally identifiable information, and threatening to sell or disclose it if organizations don’t pay.

“Malicious actors are evolving their ransomware tactics to take advantage of unpatched systems, lack of network segmentation, and trust relationships within systems,” Rohner explains.

TO EXPLORE: Ransomware and phishing remain the top cybersecurity concerns for agencies.

Cyber ​​hygiene is essential to the security of the agency

In NASCIO’s latest report on its annual survey of state CIOs, respondents overwhelmingly cited ransomware attacks as their top concern for government continuity. Twenty percent said their state has experienced a cyber incident since the pandemic-induced switch to remote working, coupled with the increasing adoption of new technologies, which has increased the risk to state systems, the government said. report.

NASCIO fully supports the measures outlined in the CISA guidelines, said Pincus, who underscored the federal agency’s recommendation to implement a user education and training program on cybersecurity.

“I can’t tell you how important this is to state CIOs,” he says. “A lot of cybersecurity and ransomware attacks all happen because of human error. You click on a link, and guess what? You have compromised your entire state network. You have compromised your entire local government.

MORE FROM STATETECH: How to fight ransomware with a unified approach to IT modernization.

Adopt a “pan-state approach” to cybersecurity

Pincus says states likely already have these types of safeguards in place, but he advises officials to also work with local government agencies, such as school districts and hospitals, on cybersecurity security.

“I think it boils down to what we call a ‘holistic approach’, which is every state agency, every local government agency, the National Guard, CISA – everyone has a role to play,” he says. .

This is happening in states like North Carolina, where officials formed a joint cybersecurity task force in 2018 that includes several state departments and the National Guard. It is also home to the North Carolina Local Government Information Systems Association, which deploys trained response team members to jurisdictions experiencing cybersecurity incidents to help provide free response and recovery resources. The National Guard offers free services such as vulnerability assessments and employee training that counties can also take advantage of.

“There are a number of different opportunities that can be exploited locally: engaging in strong cyber hygiene, strong passwords,” says Rob Main, North Carolina’s new chief risk officer. “Often you can implement MFA at no cost depending on your current network operating environment. “

It all goes back to user training, according to Main. “It kind of follows the ‘See something, say something’ pattern,” he says,

Rohner of CISA says these proactive measures are essential because “the battle against ransomware doesn’t start the day you get hit.”

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