GARLIK

Computer software for the management and monitoring of personal data; apparatus for use in data security control, namely, computer software that encrypts data; apparatus for determining, verifying or validating identity, namely, electronic card readers for identity cards; electronic ID cards for use in security screening

Advisory services concerning data management services for use in debt collection, namely, advisory services about the use of electronic data collection in the debt collection field; advertising services; business management, consultancy and administration; data management services, namely, monitoring consumer credit reports and providing updates and alerts as to any changes therein

Underwriting extended warranty contracts in the field of authorization, authentication, encryption and certification services, used to provide security in electronic transactions and communications, underwriting warranty programs in the field of authorization, authentication, encryption and certification services, used to provide security in electronic transactions and communications; consultancy, information and advisory services relating to the aforesaid; credit bureau and credit agency services; credit screening for credit cards, credit screening for mortgage application purposes; preparation and provision of credit reports; evaluating the creditworthiness of potential borrowers for banks; assessing the credit risk posed by potential borrowers for banks; information services relating to credit provided on-line from a computer database, the Internet, electronic mail, text message or telephone message

Consultation in the field of identity theft, namely, advisory services about the use, abuse or theft of personal and financial information, fraud prevention in the field of credit cards, identity validation, namely, personal and financial identity monitoring services; identity verification, namely, providing authentication of personal identification information via secure storage and transmitting such data via the Internet; fraudulent credit application detection services; data management services for use in collecting personal data, namely, electronic data collection for use in the prevention of identity fraud