Page 34 - Leisure Living Magazine June 2019

Personal Information
Continued from page 33
ly; financial institutions are generally required to rectify an unauthorized transaction when a cus- tomer reports such a transaction to the financial institution as unauthorized within a reasonable period of time.
Q: What should I do when I receive a notice of a data breach affecting information I’ve provided?
A: The law of 47 states (including Ohio) and the District of Columbia requires parties that hold or process personal information to notify those affected by a data breach in certain circumstances. Some businesses also provide notification of a breach even when the law does not require it. If you receive a breach notice, do not ignore it! The notice means there is a real possibility that your personal information has been compromised or, at least, that it is at risk. Read the notification closely, and if you have
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Since 1894, Ameriprise Financial has helped millions of Americans feel more confident about their financial future. As an Ameriprise financial advisor, I remain true to our vision of always putting clients first.
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Elmlinger & Associates
A financial advisory practice of Ameriprise Financial Services, Inc. 419.624.0606
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questions, follow up with the party that provided the notice.
The letter you receive should provide contact information. The communication may offer you free credit monitoring or similar services. You should consider taking advantage of the offer, but you should carefully review the terms on which the service is offered. Several of the credit-moni- toring services require you to waive certain rights and remedies, although not all do. Finally, you should even more diligently review all of your account, medical insurance and other records to look for suspicious activity or transfers.
Q: Where can I turn for help?
A: Both the Federal Trade Commission and the Ohio Attorney General have made identity theft an enforcement priority. If you suspect that your personal information has been lost or used to steal your identity, you can contact those agencies at the following locations: Federal Trade Commission, Eaton Center, Suite 200, 1111 Superior Avenue, Cleveland, OH 44114; phone: (216) 263-3410 or (877) IDTHEFT; or
Ohio Attorney General, Consumer Protection Section, Identity Theft Unit, 30 E. Broad Street, 14th Floor, Columbus, OH 43215-3428; phone: (800) 282-0515.
This “Law You Can Use” column was provided by the Ohio State Bar Association. It was prepared by Dayton attorney Gregory M. Gantt. Articles appearing in this column are intended to provide broad, general information about the law. Before applying this information to a specific legal problem, readers are urged to seek advice from an attorney.
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