You can make sure your success with PDPF PDF Questions containing boot camp provide most recent, legit and up to date Pass4sure Practice Test with Actual Exam Questions and Answers for newest topics of EXIN PDPF Exam. Practice our actual Questions and Answers to enhance your knowledge and pass your exam with High score. We are making sure your success in the Test Center, covering each of the subjects of exam and improve your Knowledge of the PDPF exam. Pass with our exact questions.

Exam Code: PDPF Practice test 2023 by team
PDPF Privacy and Data Protection Foundation

Exam Detail:
The Privacy and Data Protection Foundation (PDPF) test is designed to assess candidates' knowledge and understanding of privacy and data protection concepts, regulations, and best practices. It focuses on the fundamentals of privacy and data protection in various jurisdictions. Here are the test details for the PDPF certification:

- Number of Questions: The test typically consists of multiple-choice questions. The exact number of questions may vary, but typically, the test includes around 40 to 60 questions.

- Time Limit: The time allocated to complete the test is 60 minutes (1 hour).

Course Outline:
The PDPF certification course covers essential courses related to privacy and data protection. The course outline typically includes the following areas:

1. Introduction to Privacy and Data Protection:
- Understanding the importance of privacy and data protection in today's digital age.
- Overview of privacy principles, data protection laws, and regulatory frameworks.

2. Personal Data and Data Subjects:
- Identifying what constitutes personal data and understanding different types of data subjects.
- Knowledge of data classification and data anonymization techniques.

3. Legal and Regulatory Frameworks:
- Understanding key data protection laws and regulations, such as the General Data Protection Regulation (GDPR) and other relevant national or regional laws.
- Knowledge of the rights and obligations of data controllers, data processors, and data subjects.

4. Privacy Governance and Accountability:
- Understanding privacy governance frameworks and mechanisms.
- Knowledge of privacy policies, procedures, and privacy impact assessments (PIAs).

5. Privacy in Practice:
- Understanding privacy by design principles and best practices.
- Knowledge of data breach management, incident response, and notification procedures.

6. International Data Transfers:
- Understanding the legal requirements and mechanisms for transferring personal data across borders.
- Knowledge of standard contractual clauses, binding corporate rules, and other data transfer mechanisms.

Exam Objectives:
The objectives of the PDPF test are as follows:

- Assessing candidates' understanding of the fundamental concepts and principles of privacy and data protection.
- Evaluating candidates' knowledge of relevant legal and regulatory frameworks, including GDPR and other applicable laws.
- Testing candidates' knowledge of privacy governance, accountability, and best practices in data protection.
- Assessing candidates' understanding of privacy in practice, including data breach management and incident response.
- Evaluating candidates' knowledge of international data transfers and associated legal requirements.

Exam Syllabus:
The specific test syllabus for the PDPF certification covers the following topics:

1. Introduction to Privacy and Data Protection
2. Personal Data and Data Subjects
3. Legal and Regulatory Frameworks
4. Privacy Governance and Accountability
5. Privacy in Practice
6. International Data Transfers

Privacy and Data Protection Foundation
EXIN Protection answers
Killexams : EXIN Protection answers - BingNews Search results Killexams : EXIN Protection answers - BingNews Killexams : Framed answer today – here’s the solution for August 22

The last couple of years have seen a huge rise in browser-based puzzle games, tasking players with working out a certain kind of answer using limited guesses. Framed is one of the newest, following in the footsteps of Wordle, but offering a slightly different twist. You’ll still need to work out the answer using limited information and only six tries, but it’ll be movies that you’ll be guessing.

You see, Framed focuses on individual frames, or stills, of an ever-changing roster of movies. Some show a fair amount of action at the start, while others will take careful analysis and decent trivia knowledge to crack. With each wrong guess, a new still is revealed, hopefully adding enough extra information and context for you to guess the correct movie title.

With only six guesses at your disposal, you may need a little help guessing today’s Framed answer. To supply you a hint, we’ve included some clues that will tease the title of the movie picked as today’s puzzle. If you’ve already failed today’s puzzle, or would just like to know the answer, we’ve detailed that as well.

Framed hint for today

Today’s puzzle is an American biographical drama film.

  • Released in 2013
  • Directed by Jean-Marc Vallée
  • Stars Matthew McConaughey, Jared Leto, Jennifer Garner

Framed answer for today (August 24)

The answer for Framed today is Dallas Buyers Club. This is the answer for August 24 with a brand new puzzle tomorrow. Check back in if you need any help!

How to play Framed

To play Framed you just need to follow these steps, in your browser of choice. Note that any Framed versions you find elsewhere on app stores or other storefronts are likely to be fakes.

  • Go into your browser and visit
  • Take a look at the still for today
  • Make a guess, if it’s correct, you will see the rewards screen
  • If incorrect, you have five more chances, each showing a new still.

Previous Framed answers

Sometimes, when trying to solve the Framed puzzle of the day, it can be extremely advantageous to know previous answers. Here are the answers from the last few days.

  • Coming 2 America
  • Collateral
  • Blazing Saddles
  • Baywatch
  • Jack Reacher
  • The Interview
  • The Impossible
  • Gangs of New York
  • Friday
  • Batman
  • Hustle & Flow
  • Hook
  • This Is England
  • Saturday Night Fever
  • Xanadu
  • Watchmen
  • Mary Poppins
  • Hitman: Agent 47
  • Gattaca
  • The Fugitive
  • Disclosure
  • Anything Else
  • Contagion
  • Begin Again
  • The Age of Adaline
  • A Star Is Born
  • Spaceballs
  • Batman & Robin
  • After Yang
  • Man On The Moon
  • Norma Rae
  • Mr. & Mrs. Smith
  • Enter The Dragon
  • Girl, Interrupted
  • Army Of The Dead
  • Deep Cover
  • Cruella
  • Pulp Fiction
  • Dune
  • Commando
  • Avatar: The Way of Water
  • Blade
  • Atomic Blonde
  • American History X
  • Bad Grandpa
  • Capote
  • Man With A Movie Camera
  • Battleship
  • Driving Miss Daisy
  • Barry Lyndon
  • Clueless
  • Bill and Ted’s Excellent Adventure
  • Bedknobs and Broomsticks
  • Beetlejuice
  • At First Sight
  • Crocodile Dundee
  • The Bling Ring
  • Dumbo
  • Falling Down
  • Star Wars: The Force Awakens
  • The Lion King
  • Big
  • Army Of Darkness
  • James And The Giant Peach
  • Creed
  • The King’s Man
  • Bad Times at the El Royale
  • The Curious Case Of Benjamin Button
  • Aquaman
  • Cloud Atlas
  • Cujo
  • The Godfather Part III
  • Game Night
  • Philadelphia
  • El Camino: A Breaking Bad Movie
  • Dog Day Afternoon
  • Dial M For Murder
  • Cast Away
  • Charlie and the Chocolate Factory
  • The Fifth Element
  • The Chronicles of Narnia: The Lion, the Witch and the Wardrobe
  • The Departed
  • Deadpool 2
  • Red Sparrow
  • Limitless
  • Hacksaw Ridge
  • Battle Royale
  • Big Trouble in Little China
  • A Wrinkle in Time
  • Adaptation
  • Jumanji: Welcome to The Jungle
  • Ed Wood
  • The Menu
  • The Green Knight
  • Fences
  • Furious 7
  • Dick Tracy
  • Deep Blue Sea
  • The Village
  • Independence Day
  • Pride
  • Shrek
  • Trainspotting
  • Hellboy
  • First Man
  • Almost Famous
  • Snowpiercer
  • The Great Muppet Caper
  • The Last Samurai
  • Crazy, Stupid, Love
  • Anchorman 2: The Legend Continues
  • The Ballad Of Buster Scruggs
  • A Million Ways To Die In The West
  • Looper
  • Miami Vice
  • Inherent Vice
  • Gods of Egypt
  • The Fly
  • Chappie
  • The Big Year
  • Brave
  • Bridge of Spies
  • Anna Karenina
  • Toy Story 2
  • Speed Racer
  • Fifty Shades of Grey
  • Cleopatra
  • Con Air
  • Car Wash
  • A.I. Artificial Intelligence
  • Garden State
  • The Best Exotic Marigold Hotel
  • Beauty and the Beast
  • Ben-Hur
  • The Place Beyond The Pines
  • Sound of Metal
  • Before Sunrise
  • Centurion
  • Aloha
  • Elysium
  • Hercules
  • The French Dispatch
  • Free Guy
  • Legally Blonde
  • War of the Worlds
  • Assassin’s Creed
  • Peter Pan
  • Red
  • Queen of Katwe
  • Ready Player One
  • Synecdoche, New York
  • Walk the Line
  • Shang-Chi and the Legend of the Ten Rings
  • Boyz n the Hood
  • Close Encounters of the Third Kind
  • Lemony Snicket’s A Series of Unfortunate Events
  • Out Of Africa
  • The Equalizer
  • Rain Man
  • Ender’s Game
  • The Girl On The Train
  • I Know What You Did Last Summer
  • Attack The Block
  • Everything Everywhere All At Once
  • Riddick
  • Team America: World Police
  • Milk
  • Mars Attacks!
  • World War Z
  • Kiss Kiss Bang Bang
  • The Graduate
  • I, Tonya
  • The Hunt For Red October
  • The Color Purple
  • Pirates Of The Caribbean: Dead Man’s Chest
  • The Wiz
  • Lawrence Of Arabia
  • Apollo 13
  • Dodgeball: A True Underdog Story
  • Erin Brockovich
  • Drumline
  • Spider-Man: Into The Spider-Verse
  • The Darjeeling Limited
  • Zero Dark Thirty
  • Glory
  • The Founder
  • A Fish Called Wanda
  • Prometheus
  • Ali
  • Napoleon Dynamite
  • Do The Right Thing
  • The King Of Comedy
  • Edward Scissorhands
  • Under The Skin
  • Man Of Steel
  • 8 Mile
  • Akira
  • You’ve Got Mail
  • Amélie
  • Fantastic Beasts And Where To Find Them
  • GoldenEye
  • Basic Instinct
  • Step Brothers
  • Little Miss Sunshine
  • Sin City
  • Jarhead
  • Fast & Furious 6
  • Lost In Translation
  • Coraline
  • I, Robot
  • Finding Nemo
  • The English Patient
  • Marathon Man
  • Heat
  • The American
  • Forrest Gump
  • Ex Machina
  • Indiana Jones and the Temple of Doom
  • The Iron Giant
  • The Aviator
  • Flash Gordon
  • Batman v Superman: Dawn Of Justice
  • In Time
  • Face/Off
  • Cake
  • Alien
  • The Royal Tenenbaums
  • My Neighbour Totoro
  • Due Date
  • Nightcrawler
  • Billy Elliot
  • Vertigo
  • Lady Bird
  • Manchester By The Sea
  • Top Gun
  • 300: Rise Of An Empire
  • Harry Potter And The Goblet Of Fire
  • Home Alone
  • Shazam
  • Babe
  • The Polar Express
  • Elf
  • Die Hard
  • It’s A Wonderful Life
  • Inside Out
  • In Bruges
  • The Purge
  • Argo
  • Mean Girls
  • Batman Returns
  • Side Effects
  • Chicago
  • Dumb And Dumber To
  • Any Given Sunday
  • The Nightmare Before Christmas
  • House of Flying Daggers
  • Black Widow
  • Manhattan
  • The Great Gatsby
  • Bend It Like Beckham
  • Australia
  • Chef
  • About A Boy
  • There Will Be Blood
  • Cars
  • The Da Vinci Code
  • Drive
  • Warcraft
  • Hocus Pocus
  • Pain & Gain
  • Koyaanisqatsi
  • Mamma Mia
  • The Hateful Eight
  • Paul
  • Wayne’s World
  • Willy Wonka and the Chocolate Factory
  • The Shape of Water
  • Quantum Of Solace
  • The Princess Bride
  • The Hunchback of Notre Dame
  • Cool Hand Luke
  • Ted
  • 21 Jump Street
  • The Sound Of Music
  • Moneyball
  • The Hunger Games
  • Rogue One: A Star Wars Story
  • Ferris Bueller’s Day Off
  • Iron Man
  • Men In Black
  • Gravity
  • The Mask
  • Escape From Alcatraz
  • Gladiator
  • Hugo
  • Ghostbusters
  • Halloween 2
  • Frankenstein
  • The Hangover
  • The Muppets
  • Annie
  • Bronson
  • The Amazing Spider-Man
  • A Nightmare On Elm Street
  • Marriage Story
  • The Thing
  • Grease
  • Frozen
  • Amistad
  • Saw
  • Armageddon
  • Memento
  • Anaconda
  • The Incredibles
  • Fast Times At Richmond High
  • Austin Powers: International Man Of Mystery
  • The World’s End
  • Chariots Of Fire
  • A Few Good Men
  • Perriort Le Fou
  • Zoolander
  • The Tree Of Life
  • Chitty Chitty Bang Bang
  • Juno
  • Harry Potter and the Chamber of Secrets
  • Dunkirk
  • The Matrix
  • School Of Rock
  • Fantastic Mr. Fox
  • Ad Astra
  • American Hustle
  • Tropic Thunder
  • Casino Royale
  • Caddyshack
  • Dredd
  • Fantasia
  • Sicario
  • RoboCop
  • I Am Legend
  • Deadpool
  • Cool Runnings
  • 2001: A Space Odyssey
  • Monty Python’s Life Of Brian
  • A Beautiful Mind
  • Titanic
  • Beverly Hills Cop
  • Air Force One
  • King Kong
  • Rocky
  • The Theory of Everything
  • The Gentlemen
  • Now You See Me
  • The Notebook
  • Dead Poets Society
  • Captain Phillips
  • Aladdin
  • When Harry Met Sally
  • The Mummy
  • The Martian
  • Hero
  • The Secret Life Of Walter Mitty
  • La La Land
  • Braveheart
  • The Revenant
  • Who Framed Roger Rabbit
  • Slumdog Millionaire
  • Crouching Tiger, Hidden Dragon
  • Mud
  • The Lego Movie
  • Gremlins
  • The King’s Speech
  • Mrs. Doubtfire
  • Moulin Rouge!
  • The Hurt Locker
  • Galaxy Quest
  • Armadeus
  • Free Solo
  • The Goonies
  • Black Swan
  • The Social Network
  • Talladega Nights: The Ballad Of Ricky Bobby
  • Sleepless In Seattle
  • Thor: Ragnarok
  • Arrival
  • Jojo Rabbit
  • Her
  • The Big Short
  • The Breakfast Club
  • Sunset Boulevard
  • Notting Hill
  • We’re The Millers
  • Rango
  • Knives Out
  • Catch Me If You Can
  • The Shining
  • 12 Years a Slave
  • Fruitvale Station
  • Monty Python and the Holy Grail
  • The Dark Knight
  • Whiplash
  • Seven
  • Baby Driver
  • Into the Wild
  • The Cabin In The Woods
  • Color Out of Space
  • The Grand Budapest Hotel
  • Saving Private Ryan
  • Zodiac
  • Back to the Future
  • Minari
  • Uncut Gems
  • Bad Boys II
  • Interstellar
  • Up
  • American Psycho
  • Bad Education
  • Howl’s Moving Castle
  • Inglorious Basterds
  • The Godfather.
  • Apocalypse Now
  • Children of Men
  • Big Hero 6
  • The Proposal
  • Parasite
  • Crazy Rich Asians
  • Soul
  • 28 Days Later
  • About Time
  • Birds of Prey (or Harley Quinn: Birds of Prey)
  • The Lighthouse
  • Kong: Skull Island
  • Joker
  • Eyes Wide Shut
  • Bird Box
  • Isle of Dogs
  • Midsommar
  • Goodwill Hunting
  • 10 Cloverfield Lane
  • Indiana Jones and the Last Crusade
  • Moonlight
  • Guardians of the Galaxy
  • Requiem For a Dream
  • Les Miserables
  • No Country For Old Men
  • 1917
  • The Imitation Game
  • Godzilla: King of the Monsters
  • The Godfather Pt II
  • Brokeback Mountain
  • The Truman Show
  • Dawn of the Planet of the Apes
  • Inception
  • 300
  • Alien Resurrection
  • District 9
  • A Quiet Place
  • Birdman
  • WALL-E
  • Gone Girl
  • BlacKkKlansman
  • Jackie Brown
  • Pineapple Express
  • Hereditary
  • Pan’s Labyrinth
  • A Fist Full of Dollars
  • One Hour Photo
  • Schindler’s List
  • The Exorcist
  • Bladerunner 2049
  • Back to the Future Part II
  • Black Panther
  • Shutter Island
  • O’ Brother Where Art Thou?
  • The Witch
  • Django Unchained

That’s all you need to know about Framed, and the answer for today. For more puzzle-game goodness, check out our hints for today’s Heardle.

Mon, 21 Aug 2023 12:08:00 -0500 en-GB text/html
Killexams : TJUL: Interested In The S&P 500 With Downside Protection? This Fund Could Be The Answer No result found, try new keyword!The Innovator U.S. Equity Defined Protection ETF is a new exchange-traded fund. The fund utilizes an options collar strategy to eliminate any downside risk in the S&P 500 (outside of annual fees ... Fri, 28 Jul 2023 17:58:00 -0500 en-us text/html Killexams : What Are Consumer Protection Laws?

Consumer protection laws are made to protect consumers from fraudulent business practices, defective products, and dangerous goods and services. They play an important role in a reliable market economy, helping to keep sellers honest, with no threat of unpleasant surprises.

Consumer protection laws in the U.S. comprise various federal and state laws, each of which governs a particular area of the economy. The government oversees consumer protection through the Federal Trade Commission (FTC), while states use a variety of agencies and statutes to enforce consumer protection and sometimes expand on these laws. Not all jurisdictions protect consumers in the same way, with some being more pro-consumer than others.

Key Takeaways

  • Consumer protection laws exist to prevent dangerous or unethical business practices, such as false advertising or faulty products.
  • They play an important role in a reliable market economy, helping to keep sellers honest, with no threat of unpleasant surprises.
  • For most consumer goods, the Federal Trade Commission (FTC) regulates warranties and service contracts.
  • States use agencies and statutes to enforce consumer protection and may expand on federal laws, with some being more pro-consumer than others.
  • In finance, consumer protection laws seek to prevent predatory lending, housing discrimination, securities fraud, privacy violations, and other unethical practices.

Consumer Warranties and Service Contracts

Whenever you buy merchandise, it comes with a warranty. This is a guarantee that it will serve the purpose it was purchased for—in other words: It will function.

Express and Implied Warranties 

The two basic types of warranty are express and implied. An express warranty is a promise from the seller, either written, oral, or expressed in an ad, promising that the item will perform its function for a specified period. Whether the item purchased is new or used, an express warranty is a guarantee that the item will work. However, not all items come with an express warranty.

The law automatically provides the second type of warranty, the implied warranty. Implied warranties are a part of all retail sales of new and used consumer goods. The retailer of an item implies that the item will work properly and be of average grade and quality, as long as it is used for the purpose it was sold. For example, a refrigerator will keep things cool as long as you are not trying to cool the entire room, and a blender will blend as long as you are not blending rocks.

Whenever you buy something, it's important to get warranty specifics in writing. Find out what the warranty covers. Does it include service fees if the item needs to be repaired? How long is the warranty? According to the FTC, an implied warranty can last as long as four years, but the genuine time period can vary according to the state.

Dealing With Warranty Breach

If a warranty is breached, get the item replaced or repaired by the seller. If that doesn't work, try resolving the dispute through mediation. If that fails, you have the right to sue the manufacturer or seller.

Service contracts cannot be canceled after you've signed them, but according to the FTC, there is a cooling-off period in which, under certain circumstances, you might be able to void a contract. Contact the agency at for information on the right way to approach your particular situation.

To file a complaint about a seller or manufacturer, you can contact the FTC, Consumer Product Safety Commission, or call up your local prosecutor and ask for the consumer fraud division. If you were defrauded by a telephone solicitor or fell into a TV advertiser's trap, the Federal Communications Commission (FCC) is the place to turn for help.

How to Get a Free Credit Report

Under the Fair and Accurate Credit Transactions Act (FACTA), you are entitled to a free copy of your credit report, at your request, once every 12 months. Financial institutions use the information contained in this report to determine the risk in lending to you. Consumers usually find out about this report only after there has been negative information reported (mishandled accounts, erroneous data, and so on). You can get your free credit report at

Key Consumer Protection Laws

Federal Securities Act

One of the most important consumer protections in finance is the Securities Act of 1933, which was enacted during the Great Depression. The act strictly limits the sale of investment contracts (referred to as "securities") and requires issuers to disclose the details of their financing and business plans. The act also established the Securities and Exchange Commission (SEC), which enforces securities laws and punishes violations.

Fair Credit Reporting Act

The Fair Credit Reporting Act was passed in 1970 to regulate the collection of credit information, which is frequently used to determine mortgage and lending rates. The law limits who can access a consumer's credit history, and prohibits lenders from providing outdated or inaccurate information. The law also allows consumers to read their own credit reports, and to contest any inaccurate information.

Dodd-Frank Act

The Dodd-Frank Wall Street Reform and Consumer Protection Act, usually shortened to the "Dodd-Frank Act," was a sweeping reform of U.S. financial regulations in the wake of the 2008 financial crisis.

The act stepped up oversight of banks and financial institutions, particularly those deemed to have been responsible for the Great Recession. It created the Financial Stability Oversight Council, with the ability to break up banks that were "too big to fail" or to increase their reserve requirements. It also established the CFPB, which regulates subprime mortgages and other predatory lending practices.

The Fair Housing Act

The Fair Housing Act protects buyers and renters of housing from being discriminated against by sellers, landlords, or financial institutions.

The Fair Debt Collection Practices Act (FDCPA)

This law limits the actions of third-party debt collectors when attempting to collect debts on behalf of another person or entity. It outlines when and how often a third-party debt collector can contact a debtor, with noncompliance by debt collectors resulting in lawsuits.

Section 5 of the Federal Trade Act

Section 5 of the Federal Trade Commission Act, sometimes just referred to as “Section 5,” demands that consumers be treated fairly and not deceived or put at risk by businesses. That includes:

  • Causing substantial injury to a consumer
  • A statement, omission, or practice likely to mislead consumers

Telephone Consumer’s Protection Act (TCPA)

This act ensures that consumers are not deceived and harassed by telemarketers. Thanks to the TCPA, a national do-not-call list was created.


The Controlling the Assault of Non-Solicited Pornography And Marketing Act of 2003 is a law that governs email communication. It establishes requirements for commercial messages, including not using false or misleading headers and subject lines, identifying messages as ads, and providing a postal address and information on how to opt out of being contacted in the future. Recipients have the right to stop being contacted, and penalties will be dished out to those who violate the act’s rules.

The Gramm-Leach-Bliley Act (GBLA)

The GBLA, among other things, requires all U.S. financial institutions to reveal in writing how they handle, share, and protect consumers’ information.

The Children’s Online Privacy Protection Act

This act governs what information websites directed to children under 13 years of age can collect from their visitors.

There are many other acts worth learning about that apply in certain situations, including the Home Owner Protection Act, the Electronic Funds Transfer Act, and the Fair Credit Billing Act.

Be Aware of Scams

Scam artists generally take advantage of whatever is happening at a particular point in time. In the wake of the housing bust of 2008, for example, there were a lot of phony foreclosure rescues that caused people to lose the equity in their houses to so-called rescuers.

There also has been an increase in scam attempts through automated phone calls. During the COVID-19 pandemic, the FTC began receiving reports of scammers posing as government officials, using the promise of unemployment benefits to extract Social Security numbers, private bank accounts, or other sensitive information.

Consumer protection laws exist to protect consumers and make us feel more confident about buying things; however, having this protection doesn't mean we shouldn't care about getting scammed. It's better for everyone if a complaint is not necessary.

Tips include using credit cards rather than debit cards for online shopping and closely reviewing every item on your monthly bills. Customers should also use a separate email account for their online shopping. This method helps avoid spam. Also, never respond to emails asking you to "confirm" accurate transactions after you shop because they can be phishing scams.

What Are Online Consumer Protection Laws?

There are many such laws in the U.S. to shield consumers from fraud, faulty products, or data privacy invasion. One example is the Restore Online Shoppers' Confidence Act, or ROSCA, which prohibits the sale of user data by third-party payment processors. It also regulates "negative option" contracts, in which a consumer's inaction is interpreted as an intention to pay for a service. Although ROSCA does not prohibit negative options, it does enact certain requirements to ensure that the buyer has informed consent.

How Do Consumer Protection Laws Apply to Mortgage Lending?

Consumer protection laws safeguard borrowers against discrimination and predatory lending practices. The Fair Housing Act prohibits discrimination on the basis of race, sex, religion, national origin, and several other categories. This prohibition applies at every stage of the mortgage application process.

In addition, the Dodd-Frank Wall Street Reform Act prohibits several aspects of predatory lending, such as undisclosed mortgage terms and steering clients to those mortgage products that carry a higher commission.

What Are Consumer Protection Laws for Bankruptcy?

The Bankruptcy Abuse Prevention and Consumer Protection Act has several provisions to limit abuse of the bankruptcy system, including an income threshold for Chapter 7 bankruptcy for individuals. It also protects IRAs from bankruptcy liquidations, so a person who declares bankruptcy will not have to lose their retirement savings.

What Are Consumer Protection Laws That Protect Your Privacy?

The Fair Credit Reporting Act limits the use of consumers' credit history, such as bill payments and borrowing history. Also, the Financial Modernization Act of 1999 (also known as the Gramm-Leach-Bliley Act) establishes protections for personal financial information and requires banks to disclose clearly how private information will be used.

The Bottom Line

The modern economy is dependent on consumer protection laws. These rules help eliminate bad businesses as well as supply consumers peace of mind and encourage them to spend more. Over the past few decades, the number of laws has continued to grow and evolve to reflect new technologies and business practices. And thanks to the Internet and other technologies, consumers are better informed of their rights than ever before.

Thu, 06 Nov 2014 01:09:00 -0600 en text/html
Killexams : Portfolio Protection Vehicles & Services

ConsumerAffairs is not a government agency. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. Our content is intended to be used for general information purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers.



Home Warranty disclosure for New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.

Consumers Unified, LLC does not take loan or mortgage applications or make credit decisions. Rather, we display rates from lenders that are licensed or otherwise authorized to work in Vermont. We forward your information to a lender you wish to contact so that they may contact you directly.

Copyright © 2023 Consumers Unified, LLC DBA ConsumerAffairs. All Rights Reserved. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission.

Fri, 18 Aug 2023 12:00:00 -0500 en text/html
Killexams : Best antivirus 2023: Keep your Windows PC safe from spyware, malware, and more

Antivirus software has become a necessary tool in today’s online world. Even the most tech-savvy and cautious among us can drop their guard at times or be tricked into exposing themselves to a malware vulnerability. Antivirus protection is an essential backup against such threats. 

We’re not suggesting that PC security software is fool-proof, but it does a great job of protecting your computer against harmful malware and ransomware. Most systems come with security software baked into the OS, but this is often the bare minimum you need. Choosing to purchase more robust antivirus software will provide you with features such as an advanced firewall, sandbox environments for suspicious programs, and multi-device protection, among other things. Choosing to pay for these additional features will benefit anyone who actively uses email, clicks on links, and downloads programs.

When testing antivirus suites, we look for software that strikes a balance between excellent protection, a worthwhile selection of features, and minimal performance impact on your PC. For more information, you can read about how we test antivirus suites below our picks. 

Using a Mac? Our colleagues at Macworld have tested the best Mac antivirus.

Norton 360 Deluxe – Best antivirus for PC overall


  • Many extra features
  • Very good protection


  • Performance impact was surprisingly higher this time around

Price When Reviewed: $49.99 for the first year

Norton Security Premium is no more, but our pick for best AV has stayed in the family, with Norton 360 Deluxe. There aren’t a lot of fundamental changes to the suite compared to previous iterations, which also means its just as solid. The pricing now covers fewer devices, a total of five, but you get a good number of extra features such as Dark Web Monitoring and VPN access, making for an overall excellent value.  

Read our full Norton 360 Deluxe review

Avast One – Best overall runner-up


  • Good new design
  • Well priced
  • Excellent performance


  • Smart scan requires too much user intervention
  • Avast asks to install Google Chrome

Price When Reviewed: $29.99 / 5 devices I $48.99 / 30 devices

Avast really upped its game with this top-tier product. The Avast One suite offers an improved design, excellent performance, and even more features to help offset its premium price. The individual plan covers five devices.

Read our full Avast One review

AVG Internet Security – Best budget antivirus suite


  • Highly-rated antivirus protection
  • Vastly improved interface


  • Some PCs may see a performance impact during heavy workloads
  • Network Inspector is a little rudimentary

Price When Reviewed: $59.99

AVG Internet Security does an excellent job of protecting your PC, even if its interface could stand a polish. Nevertheless, with unlimited installs for $70 per year, it’s hard to beat this popular security solution when it comes to value.

Read our full AVG Internet Security review

Trend Micro Maximum Security – Best antivirus for beginners


  • Mute Mode is an excellent feature for power users
  • PC Health Checkup helps clean-up your PC


  • Some of the privacy features didn’t work reliably
  • Data theft prevention not as robust as it could be

Price When Reviewed: 5 devices: $49.95/yr

Many antivirus suites create an interface that’s as simple as possible for users to understand—but sometimes the software becomes too stripped down. That’s why our recommendation for novices is Trend Micro Maximum Security.

This antivirus suite, which provides highly rated protection, strikes a nice balance between complexity and simplicity: Four category icons at the top let you dive deeper into the suite, but if all you need to do is a scan, that option is right there in the center of interface. You can’t miss it. 

Overall, no matter what you need to get done in Maximum Security, the interface doesn’t leave you with any guesswork.

Read our full Trend Micro Maximum Security review

McAfee Total Protection – Best for privacy


  • Good protection
  • Nice features like file shredder and home network analyzer


  • Mixed impact on performance
  • New app design is a little scattered

Price When Reviewed: 5 devices: $89.99/yr

With its latest version, McAfee puts an emphasis on identity and privacy. While still offering its trademark malware protection, features like Identity Protection Service and a VPN for obscuring your online tracks, as well as app update checker address today’s added concerns.

Read our full McAfee Total Protection review

Panda Dome Complete – Most feature-rich offering


  • Very easy-to-understand mobile-like interface
  • Contains some basic smart home network monitoring
  • Month-to-month pricing option


  • Good performance results but currently limited in third-party testing

Price When Reviewed: 1 device: $64.49 I 3 devices: $71.99 I 5 devices: $78.74 I 10 devices: $121.49

All of the deluxe antivirus suites offer extra tools as part of their package, but if we had to pick one that stands out in this respect, it’d be Panda Dome Complete. It has the usual PC maintenance utilities such as a disk defragmenter for hard drives and a startup apps manager. But it also has a VPN, Wi-Fi network scanning, a process monitor, a virtual keyboard, an application control feature, and more.

It also makes it very easy to find everything since it uses a tiled interface on a single screen, and the protection is good too. Granted, you’ll pay more for Panda Dome Complete than some other worthwhile AV programs, but it offers lots of value for power users.

Read our full Panda Dome Complete review

Windows Security – Best free antivirus


  • Built into Windows 10 and 11
  • Settings are easy to review and customize
  • Integrates with other security aspects of Windows


  • Tends toward false positives, especially with SmartScreen
  • Lacks the advanced features found in third-party products

Price When Reviewed: Included with Windows 10 and 11

If Windows is already working, why add anything else? If its built-in security suite, Windows Security, performs on par with the best of the free AV options—as we discovered in our roundup of the best free antivirus—why add the extra baggage of a third-party program? Sure other AV programs might offer marginally better protection, but not enough to outweigh the convenience of rolling with Microsoft’s home-grown offering. Windows Security also has ransomware protection, which many free options don’t. Plus, you avoid the nuisance of a third-party suite’s regular upgrade notifications. To learn more, see our video on How to use Windows Security.

However, if you’re looking for more features, such as online privacy tools, a VPN, or encrypted cloud backup, you may want to use a third-party program instead as these are not currently available in Windows Security. Nonetheless, it’s a free program that already comes pre-installed in most Windows machines and it does a good job of keeping you protected from most threats.

Read our full Windows Security review

What to look for in an antivirus suite

There are three basic requirements that an antivirus suite needs:

  • High detection rate for malware and other threats
  • Low impact on system resources
  • An easy-to-use interface

That’s not all to consider, however. These days, many security suites come with extras such as a backup service for your most essential files, Android apps for mobile security, a more advanced firewall, family protection (read: child restriction) features, and the right to use the program on multiple PCs. Whether you need those extras depends on your personal situation.

How we test

First, we take a look at the interface to determine how easy or complicated it is. Does the interface make it easy to get at essential tools like PC scans and password managers, for example, or is everything buried under multiple clicks? Are there elements that look like they should be clickable but aren’t? Are alerts interactive or purely informational, and does that make sense in context?

We also examine the features on offer. Every good antivirus suite should have the basics like scanning and real-time protection, but many vendors offer elements that go beyond basic security like password managers or firewalls. We try to discern whether any of these extra features are particularly useful, or just frills that look nice but don’t serve a practical purpose.

To test the suite’s demand on system resources, we run two benchmarks. The first is PCMark 8’s Work Conventional test, which simulates a variety of workloads including editing spreadsheets, browsing the web, and running video chat. 

We run the benchmark before the security suite is installed. Then we install the software, have it run a full scan on our Windows 10 test machine, and start a second run of the benchmark at the same time. Then we compare the overall scores to see if the decline between the two benchmarks is significant.

As a harsher stress test, we also use Handbrake to transcode a video before and after installing the A/V. On most home PCs, this encoding task utilizes 100 percent of the CPU. We then compare transcoding times to see if there’s any significant decline.

Our test machine is an Acer Aspire E15 with an Intel Core i3-7100U, 4GB RAM, and a 1TB hard drive. Each security suite is tested on a clean install of Windows 10 Home.

As for the antivirus suite’s detection capabilities, we’ll rely on the opinions of security researchers dedicated to this task. We’ll take into consideration reports from outlets such as A-V Comparatives, A-V Test and SE Labs. 

We’ll also take pricing into account and what you get for it. 

Whenever possible we’ll review security suites using a free trial to get a sense of what consumers see when they first try out a new product.



Will antivirus software slow down my computer?

The short answer is maybe, but probably not. Antivirus software scans files and programs to ensure there is no malware or other harmful threat present. The longer the time frame between each scan, the more files the program will need to check. These intensive scans may have some noticeable effect on your computer speed. It’s therefore recommended that you schedule your scans to run more frequently or even at night so as to not impact your computer usage.

While antivirus software can affect the speed of your computer, it is most likely not the only factor—or even the most prominent. Other factors such as unnecessary startup and background programs, insufficient RAM, or even undiagnosed malware can have more drastic effects on your computer speed than a simple antivirus scan.


Should you pay for antivirus?

It really comes down to what features are most important to you in an antivirus software. Do you just need a program that will scan, detect, and remove malware? Then go with a free version. But if you are looking for more advanced features such as the ability to block webcam hacking, run suspicious apps in a sandbox environment, and permanently delete sensitive files, then you should seriously consider upgrading to a paid premium antivirus service. 

Overall, premium antivirus software is better suited to more complete coverage against threats—especially for inexperienced users. Children and seniors are particularly vulnerable to modern threats and therefore paid antivirus apps, which allow for multiple-device protection, may be a better option for families.


What should I do if my antivirus detects a threat?

In a perfect world, your antivirus software will halt and clean the infected files for you. However, this largely depends on which antivirus program you are using.

In general, the antivirus will send a warning to you and try to quarantine the infected file in order to keep it from spreading. Once isolated, the software will supply you the option to try to remove the infection or delete the file altogether.


What is the difference between a full scan and a quick scan?

A full scan performs a comprehensive and thorough check of your whole system. It usually checks your system memory, startup programs, system backup, email databases, hard drives, and any removable storage drives.

A quick scan only checks a few areas including startup programs, system memory, and boot sectors. It may not detect all malware, but it can usually supply you an idea if your computer has a virus.

As to when you should do either, we recommend a full scan once per week, during computer usage downtime (such as late at night). A quick scan can be done anytime you like; however, it is usually only necessary if you notice suspicious activity on your PC.


Do I need to update my antivirus software?

Absolutely! Keeping your antivirus software up-to-date is crucial in helping you to avoid the most accurate threats.

That being said, most antivirus software today—whether free or paid—will default to automatic updates. This way you don’t need to worry about manually updating your software. It may still be worth checking to confirm that your antivirus is running the most up-to-date version from time to time.

Wed, 19 Apr 2023 04:10:00 -0500 en text/html
Killexams : Best identity theft protection services of August 2023

Identity thieves have become increasingly sophisticated in how they target and take advantage of their victims, and consumers can use all the help they can get to protect against fraud and resolve it quickly when it happens. The best identity theft protection services offer comprehensive protection that includes credit monitoring, insurance protection, strong security and more. However, to get service you can trust, you typically need to pay for it.

We analyzed the top identity theft protection services in this category, from a variety of issuers, to curate a list of the very best.

Best identity theft protection services of August 2023

Compare the best identity theft protection services

Best identity theft protection services: Aura Individual

Plan highlights

Aura offers all-in-one protection that includes three-bureau credit monitoring without an upsell, $1 million in identity theft insurance coverage and quick fraud alerts — according to the company, it’s up to 250 times faster than the competition in notifying you of potential identity theft although we weren’t able to verify that. Other notable features include antivirus protection, a virtual private network (VPN), a password manager, identity monitoring and financial account monitoring.

Price: $12/mo or $108 if billed annually.
ID theft insurance: $1 million.
Credit bureau monitoring: All three.

Best for for comprehensive individual coverage: Norton 360 with LifeLock Ultimate Plus Individual 

Plan highlights

If you want maximum insurance coverage, the Ultimate Plus Individual plan from LifeLock is a strong choice. You’ll get separate $1 million limits for stolen funds reimbursement, personal expense compensation and coverage for lawyers and experts. The plan also includes three-bureau credit monitoring, financial account alerts that include investment accounts, home title monitoring and more.

Costs: $29.99 monthly for the first year, then $34.99 after that; $299.88 annually for the first year, then $349.99 after that.
ID theft insurance: Up to $3 million, including $1 million each for stolen funds. reimbursement, personal expense compensation and coverage for lawyers and experts.
Credit bureau monitoring: All three.

Best for large families: Aura Family 

Plan highlights

Most identity theft protection services offer family plans, but Aura is the only one on our list that doesn’t limit how many children you can include. You can also add up to five adults to your plan, and each will get $1 million in identity theft insurance coverage. In addition to all of the features of the individual plan, Aura Family also includes parental controls for mobile devices.

Price: $30/mo or $300 if billed annually.
ID theft insurance: Up to $3 million, including $1 million each for stolen funds. reimbursement, personal expense compensation and coverage for lawyers and experts.
Credit bureau monitoring: All three.

Best for couples without children: Aura Couple 

Plan highlights

Many of the best identity theft protection services offer only individual and family plans. With Aura, there’s a middle option designed for just two adults. With Aura Couple, each adult will get $1 million in identity theft insurance, along with all of the features of the Aura Individual plan at a slightly lower cost than what you’d pay for two individual plans.

Costs: $20/mo or $204 if billed annually.
ID theft insurance: Up to $2 million ($1 million per adult).
Credit bureau monitoring: All three.

Best for full-service remediation: Allstate Premier Individual

Plan highlights

If you become a victim of identity theft, Allstate manages the entire recovery process from start to finish. In addition to up to $1 million in expense coverage, the plan also provides stolen funds reimbursement, including up to $50,000 for your health savings account and 401(k) account. You’ll also get monitoring of all of your financial accounts to help you detect any potential fraud, your digital footprint and the dark web for potential threats.

Price: $17.99 per month.
ID theft insurance: $1 million plus stolen funds reimbursement.
Credit bureau monitoring: All three. 

Best for families on a budget: McAfee+ Advanced Family 

Plan highlights

If you want coverage for your family, but you can’t afford the Aura and LifeLock family plans, McAfee+ Advanced Family may be a good fit. It’s a more basic option with credit monitoring for just one credit bureau, but you’ll get $1 million in identity theft insurance coverage for each adult, and you can add up to four children to the plan. Other features include financial account monitoring, lost wallet protection, VPN access, parental controls on mobile devices and more. 

Price: $109.99 for the first year, then $269.99 after that.
ID theft insurance: Up to $2 million ($1 million per adult).
Family plan: Yes.

Best for comprehensive family coverage: Norton 360 with LifeLock Ultimate Plus Family 

Plan highlights

The Ultimate Plus Family plan from LifeLock offers all of the same features as the individual plan, but for two adults instead of one. It also includes up to $25,000 in stolen funds reimbursement for each child — you can add up to five to the plan — as well as credit file detection for the children. Identity and Social Security number alerts are available for all family members.

Plan : $48.99 monthly for the first year, then $81.99 after that; or choose $491.88 annually for the first year, then $819.99 after that.
ID theft insurance: Up to $3 million per adult, including $1 million each for including stolen funds reimbursement, personal expense compensation and coverage for lawyers and experts.
Family plan: Yes.

What do identity theft protection services do?

Identity theft protection services monitor a variety of websites and databases for any indication that your personal information has been stolen or used. In particular, you may receive a notification if your information has been shows up on one of the following:

  • The dark web (this is an area of the internet that is intentionally hidden from public access and requires special software to access). 
  • Social media.
  • Loan or credit card applications.
  • New bank accounts.
  • Court or arrest records.
  • U.S. Post Office address change requests.

The best identity theft protection services may also offer credit monitoring services. If your personal information is stolen and used without your authorization, you’ll typically get ID theft insurance, which can cover legal and related fees associated with restoring your identity, as well as recovery services to guide you along the way.

How to spot and prevent identity theft

There are three different types of identity theft, and it’s important to know how each one works, so you can spot the signs early on.

Financial identity theft

The most common form of identity theft, this type may involve any aspect of your financial situation, including:

  • Using your Social Security number to open a new credit card, loan or bank account.
  • Stealing your credit card information and using it without your permission.
  • Accessing your bank or investment accounts and making unauthorized withdrawals or transfers.
  • Filing a fraudulent tax return to receive a refund. 

In some cases, you may not be aware that you’ve been a victim of financial identity theft until you receive a notice about a new account you didn’t open, a statement for a financial account you don’t recognize, unauthorized charges on a bank account or credit card or a notice of a duplicate tax return.

Here are some steps you can take to prevent financial identity theft:

  • Safeguard your Social Security number and avoid sharing it with anyone. Some ways to do this include locking your Social Security card in a filing cabinet or safe and never sending your SSN over email, text or message. 
  • Use different passwords for each financial account and a password manager to keep track of them (Note: the best password managers typically come at a cost of around $50 per year).
  • Set up two-factor authentication or biometric (think face or fingerprint) authentication on all of your accounts and mobile apps.
  • Review your financial account transactions regularly — once a week is a good cadence to shoot for.
  • Consider setting up alerts for charges on your credit cards and bank account.
  • Request electronic statements instead of having paper statements mailed to you. Identity thieves may steal your mail and use information like your name and address to build a profile to fraudulently open accounts in your name. 
  • Watch out for phishing emails and text messages, which may appear to come from a reputable source but can steal your information.
  • Review your three credit reports from Equifax, Experian and TransUnion regularly.
  • File your tax return early.

Medical identity theft

This type of identity theft occurs when a fraudster uses your personal information to access medical services, such as a visit to the doctor, prescription drugs or even an insurance claim.

You may become aware of medical identity theft if you receive a bill or an insurance claim for medical services you never received and don’t recognize. If this occurs, contact your insurance company and the medical provider immediately to report the fraud and learn about the steps you can take to avoid having to deal with the costs.

You can prevent medical identity theft by safeguarding your Social Security number and medical records, and watching out for phishing emails and scam phone calls asking for your medical information.

Online identity theft

Social media platforms are a mainstay in American society, but if you’re not careful, cybercriminals can use the information you share to steal personal information or to perpetuate fraud in your name. 

To prevent online identity theft, take these steps:

  • Make your social media profiles private, so only your friends and family members can view key information about you.
  • Avoid oversharing, particularly when it comes to personal details.
  • Only accept social media follow and friend requests from people you know and trust.
  • Avoid using location services to highlight places you frequently visit.

Is identity theft protection right for you?

You may consider paying for identity theft protection if you’ve been a victim of identity theft, or you believe you’re at a high risk of becoming a victim due to a accurate data breach or other event. It can also be worth it if you don’t have the time to keep track of everything on your own and need some help.

Before you opt for identity theft protection, however, make sure you can fit the cost into your budget. 

Identity theft protection vs. Credit monitoring

While identity theft and credit monitoring share the game goal — to protect you from identity thieves — identity theft goes above and beyond what you’ll get with a basic credit monitoring service. In fact, many of the best identity theft protection services include credit monitoring in one form of another in their plans.

But while credit monitoring only includes information related to your credit scores and credit reports, identity theft protection provides more comprehensive monitoring, which may include all of your financial accounts, dark web scans and more. 

Additionally, identity theft protection services may also provide resources and insurance in the event that someone manages to steal and use your personal information.  

Choosing the best identity theft protection service

There’s no single best identity theft protection service for everyone, so it’s important for you to understand your situation and needs to determine the best fit for you. Here are some factors to consider as you shop around and compare your options:

  • Your budget: ID theft protection services charge varying subscription rates, depending on the plan tier you choose. Consider how much you can afford to pay each month without putting a strain on your financial situation and what you’d get with your budget.
  • Plan options: Depending on which type of plan you’re looking for—whether you want identity theft protection for yourself, for you and your spouse or for your entire family— some ID theft protection services may be better suited to your needs than others.
  • Features: Take a look at the different features each service provides to find the best fit. For example, some may offer you access to your FICO score, which is widely used by major lenders, while others may provide a VantageScore, which uses a different formula to calculate your score. There may also be varying levels of ID theft insurance, alerts and depth of monitoring.


Our team has spent hours analyzing identity theft protection companies and their plans. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering this syllabu informed us as we developed these rankings. We considered the following attributes when ranking company plans:

  • Price, including any discounts for paying yearly vs. monthly.
  • Free trials to test a plan out.
  • ID theft insurance coverage amount.
  • Credit bureau monitoring and if the plan covered 1,2 or all 3 bureaus.
  • Any and all other types of identity-related protections like bank account monitoring, home title monitoring, social media account monitoring etc.

Frequently asked questions (FAQs)

There are many different ways you can determine that your identity has been stolen, but the signs can depend on the type of identity theft. Here are some of the most common indicators that someone has managed to steal and use your personal information without your knowledge or permission:

  • Your credit score has dropped suddenly and significantly.
  • Your loan or credit card application was denied for reasons that don’t make sense to you.
  • You’ve received information about an account opened in your name that you don’t recognize.
  • You’ve received notification from a company you do business with that your information has been stolen in a data breach.
  • You’re receiving calls from a creditor or debt collector about a debt that doesn’t belong to you.
  • You’ve received medical bills for services or prescription drugs that you didn’t receive or use.
  • The IRS notifies you of a duplicate tax return when you try to file yours.

There’s no surefire way to prevent identity theft in all of its forms, but there are some steps you can take to make it more difficult for scammers to access your personal information for nefarious purposes. Here are some things you can do to get started:

  • Use complex passwords and a separate password for each of your online accounts.
  • Make sure a website is secure before providing any information online — the web address should start with HTTPS and not HTTP.
  • Watch out for phishing emails, which may appear to be from a reputable company but may ask for personal information or ask that you open a link or an attachment that can install malware on your device.
  • Use multifactor authentication and biometric authentication to safeguard your online accounts and mobile apps.
  • Use a passcode for your mobile devices.
  • Consider using antivirus and malware protection software on your computer.
  • Use a virtual private network (VPN) when transmitting personal data on a public Wi-Fi network.

The cost of identity theft protection can vary depending on which company and plan you choose. In general, though, you can expect to pay anywhere from about $10 to $80 per month, depending on the company and tier.

In many cases, identity theft protection services also include credit monitoring. However, depending on which plan you choose, you may not have full access to your credit reports and scores.  Your can request your credit report from — the official site for requesting your free annual credit report. Be aware that since onset of the pandemic, the credit bureaus are offer free credit reports weekly (rather than annually) through 2023.

Another free option is to visit each of the bureaus’ websites (Experian, Equifax and TransUnion) to request copies of your credit report.

Depending on how thorough you want your credit monitoring to be with an id theft protection company, shop around and compare the top options to find the best fit for you.

¹$1,000,000 Identity Theft Insurance for Eligible Losses: Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc.. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the genuine policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

²Free Trial Offer: Offer valid for new customers only and free trial offer can only be redeemed once per customer. Full access to plan features depends on identity verification and credit eligibility. You will be billed the relevant fees for your selected services after expiration of your free trial on an auto-renewal basis, unless you cancel your free trial at least 24 hours prior to the expiration.

³60-day Money-Back Guarantee: 60-day money back guarantee is only available for our annual plans purchased through our websites or via our Customer Support team. You may cancel your membership online and request a refund within 60 days of your initial purchase date of an eligible Aura membership purchase either through your Aura Account Membership portal or by calling us at 1-855-712-0021. If you signed up for Aura through a free trial, then your membership purchase date will be the date you signed up for your free trial, and you will have 60 days from the date you signed up for your free trial to cancel and request a refund. If you switched to a new annual plan within 60 days of your initial Aura annual subscription, you may still qualify for the Money Back guarantee (based upon your initial annual plan purchase date).

⁴Child members on the family plan will only have access to online account monitoring and social security number monitoring features. All adult members get all the listed benefits.

No one can prevent all identity theft or monitor all transactions effectively.

Mon, 31 Jul 2023 15:05:00 -0500 en-US text/html
Killexams : Smart Answers: GenAI tool makes it quicker and easier to find the info you need on Macworld

Today Macworld is launching Smart Answers, a chatbot tool that helps you get more from our content. It’s built using Generative AI and content written by our human editors.

The way we interact with content is changing. It wasn’t so long ago you would have sifted through a printed magazine for advice on the latest consumer technology, yet it felt like a revolution when those old mags switched over to digital- and online editions. These days, everything you could ever want to read is on the internet – or more likely watch on YouTube or TikTok.

The difficulty comes in finding trustworthy, up-to-date information that precisely and immediately answers your question, and most of us tend to rely on search engines and algorithms to figure that out for us, with varying degrees of success. But faced with a page full of links to visually similar content, you’re still a step away from the information you need – two, in fact, if you need to further refine your query.

Smart Answers is our new reader service that turns content discovery on its head. You control the questions, the answers, and the delivery. It’s like having a Macworld editor at your beck and call, allowing you to request and receive specific content on demand. So why wait for the content to find you?

Try Smart Answers

We’ve worked in partnership with to develop Smart Answers, a GenAI tool (see What is GenAI?) that draws only on Foundry‘s complete catalog of English-language content (written by humans) to answer your natural-language questions. You’ll not only benefit from the expert knowledge of Macworld editors, but those of PCWorld, Tech Advisor and TechHive too, collectively covering the entire consumer technology sphere.

Smart Answers is fast and efficient, which means you don’t have to scroll through pages of information to find what you need. You can ask it anything, from what is the best Apple Watch for diving to which printer should you buy for your home office, or even when is the next iPhone coming out or how do you speed up your Mac. You’ll get an answer in seconds.

It’s like having a Macworld editor at your beck and call… why wait for the content to find you?

Ask it a follow-up question too, if you like, or browse the recommended practicing for more detail on the topic. Smart Answers is clever enough to work out what you may want to ask next, and it will even show you the best pricing for related products and services to avoid you having to search it out yourself.

Smart Answers has been trained on the type of tech-related questions our readers are likely to ask. Ask it a silly or irrelevant question and you’ll either get a silly or irrelevant answer or no answer at all. Our priority is to ensure Smart Answers is able to adequately respond to questions on the courses we do cover.

Though Smart Answers is intrinsically linked to our editorial content, our editorial function stands independently. No article published on this site has been created using GenAI.

Extensive testing has been conducted by our editors over a period of many months, with our feedback used to retrain the model. We wouldn’t be rolling this out today if we were not confident that the answers it provides are as trustworthy as if they had come direct from our editorial team.

This cycle of testing, feedback, and retraining is ongoing and will be important as we continue to add functionality to Smart Answers. Today our Smart Answers page goes live, but over the coming week, you will also find a Smart Answers block on our home page and within our articles (if you don’t have an ad blocker turned on and have accepted cookies then you should see one right above this paragraph). And this is just the start of a process that will ultimately put you in charge of your own content experience across Foundry-owned sites.

Of course, the real testing comes from you. We’ll be analyzing all search data collected by Smart Answers, and cross-checking the quality of responses, but we’d also love to hear your feedback. You can get in touch with our Editorial Director (EMEA & LatAm) Marie Black or Director of Product and Data Neil Bennett over email. Smart Answers is available in key regions around the world.


How does Smart Answers work?

Smart Answers is based on a GenAI platform, built by our partner Unlike ChatGPT, Google Bard and other GenAI tools that source their information from all over the web, Smart Answers has been trained only on content written by Foundry journalists. It responds to queries posed in natural language with a summarized answer and links to related information.


What is GenAI?

Short for Generative AI, GenAI is a type of artificial intelligence that is able to mimic the neural networks of the human brain and, through machine learning of existing content, generate entirely new content in the form of text, images, video and audio. When given a prompt, such as a piece of natural-language text, the computational power of GenAI allows it to deliver an answer much faster than can the human brain.


Can I trust Smart Answers?

Yes. Smart Answers provides answers based on articles written by Foundry journalists and does not use data from any external sources, which could be unreliable or subject to copyright concerns. Extensive testing has gone on behind the scenes to help train the model, so we are satisfied that it is able to provide reliable information. We’ve also worked hard with partner to eliminate ‘hallucinations’ – these are misleading or wholly incorrect answers that may be given when the answer is not known or the data required to answer the question is incomplete. If Smart Answers is unable to answer your question, it will tell you so.


Is Smart Answers a threat to our editorial team?

Absolutely not. Smart Answers cannot exist without the expert content written by Foundry journalists. Its ability to stay useful and relevant is entirely dependent on it being able to learn from their content, and thus it is not the first step in some evil plan to replace our team of editors and cut costs. Smart Answers is a supplementary service for our readers, designed to aid content discovery and enhance the user experience. Though we will make revenue from any adverts displayed on the page and earn commission on links to purchase some products and services, Smart Answers also costs us money to develop and run.


Is Smart Answers being used to create editorial content on Macworld?

No. Editorial articles feed into Smart Answers, but Smart Answers is not used for the creation of editorial articles. In the future we may use query data for article or FAQ syllabu suggestions.


What data is Smart Answers collecting?

We are recording queries submitted via Smart Answers to help us understand in what information our readers are interested. Smart Answers also collects anonymized user data that allows us to better understand the interests and intent of readers visiting Foundry websites. Learn more about Foundry’s Privacy Policy, and’s Privacy Policy.

Thu, 03 Aug 2023 11:56:00 -0500 en text/html
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Killexams : TJUL: Interested In The S&P 500 With Downside Protection? This Fund Could Be The Answer
Data analysis, marketing strategy or statistics by business development leaders planning company growth. Hands of finance managers in a meeting talking about financial performance in an office

Kobus Louw


The equity markets have rallied incessantly this year, with most averages now recording double-digit returns:

With the CNN Fear & Greed index at 'Extreme Greed' levels, many market participants are hesitant to add further equity exposure at these levels, and

Fri, 28 Jul 2023 13:20:00 -0500 en text/html
PDPF exam dump and training guide direct download
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