And, Mint has an online version www. As a finance aggregation app, Mint helps users create and manage budgets by using the information from bank accounts, bills, credit or debit cards, and PayPal PYPL - Get PayPal Holdings Inc Report and other accounts to track how much money users are taking in and how much they spend.
Once users create an account, they can enter information from almost any U. They can also enter credit or debit card information plus any bills they would like to be reminded to pay or track. Additionally, they can also track loans and investments through the app, including k s and IRAs. To help users better track and spend, Mint downloads several months of data from accounts, including transactions.
Among other features, Mint allows users to track cash and ATM transactions to ensure they are keeping an eye on all of their spending.
With all the funds accounted for, Mint lets users categorize different areas of spending, and the customization feature allows for tagging certain transactions to get a more in-depth analysis of the transaction. Mint's main categories include overview, transactions, bills, budgets, goals, trends, investments, and ways to save. From there, users can set up alerts for bills or other financial goals. As its main draw, Mint's budgeting feature allows users to create categories that track their own budgets based on their financial and transaction history and data.
The budgets can be set by the week, month or other longer periods of time. And if users go over budget in a particular area or are late on a bill payment, Mint can send reminder alerts or other notifications -- a draw for users who lack discipline. To promote saving, Mint recommends credit card deals, insurance and a variety of other financial deals.
However, they are offering free credit monitoring and fraud protection services through Experian. Mint Mobile warns users affected by the Mint Mobile data breach to protect other accounts that use their phone numbers for validation purposes and reset account passwords since threat actors could have used the ported numbers for additional attacks.
Organizations that need comprehensive breach information for business planning or due diligence can access as many as 90 data points through one of the three paid notified subscriptions. If you believe you are the victim of an identity crime or your identity has been compromised in a data event, you can speak with an ITRC expert advisor at no cost by phone Choose the email lists you'd like to sign up for below by checking the boxes.
Blog - Latest News. A data breach of telecommunications company Mint Mobile occurred after some phone numbers were ported and data was accessed. The Mint Mobile data breach is one of the latest data events to affect a telecommunications company, highlighting the risk of mobile breaches.
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Within Mint, the data is even more secure, as they utilize one of the highest encryption levels out there, bit, to completely scramble your data and hide it from prying human eyes.
Now, as great as these protections are, there is no way to completely eliminate the risk that someone might be able to hack into your Mint.
So, what happens if someone does get into your Mint. First, all they have access to is the data itself, not your bank credentials. Therefore, they would know how much you have in your checking account and how much you spend eating out, but could not actually move any money out of your account. In addition, account numbers, Social Security numbers, and other sensitive data are not available inside the Mint.
Further, within Mint there is no ability transfer funds or move money. For all these reasons, your Mint. This information is protected within a special division of Intuit called Customer Central, which handles the actual data aggregation part of the Mint service.
The Customer Central servers are located in a separate, highly protected, datacenter within the Intuit corporation that holds the bank account credentials themselves in a bit encrypted database.
In addition, these servers are not directly accessible by the internet , but are protected under layers of security software, checking and double-checking the identity of anyone requesting data from server. In addition, they pay outside security firms and white-hat hackers to routinely test their systems for vulnerabilities, so that they can catch any holes and patch them before the hackers get in.
Ok, so Mint has done seemingly everything it can do to protect account credentials. But even still, there is that risk, no matter how infinitesimally small, that a hacker could get in. The most important question is what happens if they do? First, we already know that credit card fraud is protected by the credit card companies ; they will reimburse you for fraudulent charges that you did not authorize.
If funds are stolen, what recourse would you have? Many banks want to discourage the use of aggregators such as Mint. Whatever the reason though, several banks, such as Chase , Capital One, and Fidelity have explicitly stated that sharing your credentials with a third party means you may be on the hook for stolen money.
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