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It is insurance that protects your privacy and that of your family by covering expenses and financial losses and providing service in the event of an incident such as identity theft, cyber extortion, online fraud, etc.
The transfer of your personal funds to a third party other than the intended recipient, as the former is fraudulent, whether from your bank account or your credit card.
The financial loss resulting from that transfer. Expenses for purchases where the item is not received within 14 days, or for sales where the amount is not received within 14 days due to the fact that it is a fraudulent website, with the sublimits applied to economic losses.
Impersonation or deliberate use of your identity on the Internet by a third party to commit criminal activities, such as fraud and scams, in order to obtain financial or other benefits in your name.
Expenses incurred by the insured party as a result of alleged identity theft. It does not cover any financial loss.
Unauthorised use or transmission of malicious code to the home electronic device.
Support and expenses to restore the system and recover your data.
Extortion threat: Alteration, damage, theft or misuse of your data, as well as its unauthorized use, or denial of access to any electronic device in your home accompanied by financial blackmail in exchange for not revealing your data publicly or regaining access to the device.
Losses and expenses incurred in ending the extortion threat.
Repeated harassment using digital technologies, on social networks, messaging or gaming platforms and mobile phones, aimed at scaring, angering or embarrassing the insured party.
Costs incurred as a direct result of cyberbullying (lawyers, psychologists, replacement salaries, relocation expenses, professional services companies, etc.).
False or unauthorised references and personal data about you on the Internet.
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...more than 60% of global email traffic in 2018 contained malicious code and was involved in more than 90% of cyberattacks? Cyberattacks were ranked as the fifth top-rated risk in 2021. This risk will continue to grow in 2022, as cyberattacks are expected to double by 2025.
...phishing attacks are becoming increasingly sophisticated and attacks targeting mobile devices have increased by around 85% per year since 2011? Phishing attacks rose by 29% globally in 2021 and reached a record 873.9 million. The sector hit hardest was commerce, with a more than 400% increase in attacks.
...more than 38,000 security incidents were handled in 2018, an increase of 44% compared to 2017? The Instituto Nacional de Ciberseguridad (INCIBE) handled 109,126 cybersecurity incidents in 2021 through its Centro de Respuesta a Incidentes de Seguridad (INCIBE-CERT).
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