This is to notify you of an incident involving data housed on the systems of TIO Networks USA, Inc. and its affiliates, including Softgate Systems, Inc.; Softgate Systems of California, Inc.; and Global Express Money Orders, Inc. (“TIO”). TIO provides technology that helps customers pay bills through self-service kiosks, at retail locations, and through mobile and web applications.

In addition, TIO’s services are used by some of the companies that provide you services – like your utility company or telecom company – so you might not know that the company is using TIO. When you pay for services, TIO makes sure your payment gets to the company.

You may be affected if

What Happened?

TIO Networks was acquired by PayPal Holdings, Inc. (“PayPal”) on July 18, 2017. On November 10, TIO’s operations were suspended after the discovery of security vulnerabilities in its systems. The investigation to date has uncovered evidence of unauthorized access to the TIO network, including locations that stored personal information of some of TIO’s customers and customers of the companies that TIO services. We have no proof, however, that your data was accessed, acquired, or misused. The PayPal platform, which is separate from the TIO network, is not impacted by this situation in any way and PayPal’s customers’ data remains secure.

What Information Was Involved?

Although we have no proof that your data was accessed, acquired, or misused, we are notifying you in an abundance of caution because the TIO servers involved in this incident stored data such as customer names, contact information, and subscriber/billing account numbers. The TIO systems also stored personal information such as payment card information, bank account information, Social Security and other government identification numbers, and account usernames and passwords.

Our evidence of the earliest possible date of intrusion dates back to at least 2014, and data on TIO's systems prior to that date may have been affected. We continue to investigate the earliest evidence of unauthorized access.

What We Are Doing

We sincerely regret this incident and are working hard to protect you and your personal information. In addition to suspending its services, TIO contacted the appropriate law enforcement and other authorities, and has brought in outside cybersecurity experts to investigate.

We are also providing you with one year of complimentary identity protection that includes credit monitoring, identity theft insurance, and assistance with combating identity theft and fraud should any be detected.

If you are an affected customer for whom we have contact information, we will contact you by mail or electronic mail to provide further information and an activation code for enrolling in identity protection services. If you have been notified that your information was affected, please call 1-855-272-6796 if you wish to activate your identity protection by phone instead of online. Be prepared to provide the engagement number and the activation code referenced in your notification letter.

If you suspect you may have been affected, you may enroll in identity protection services by calling 1-855-272-6796 or (479) 788-5000 (toll) for international callers. You will be prompted to provide the engagement number DB04410 and the activation code 22YKKH7CV.

Visit to activate and take advantage of your identity protection.

You have until March 31, 2018 to activate your identity protection.

What You Can Do

You should remain vigilant for instances of fraud or identity theft by reviewing your account statements and closely monitoring your credit reports, which are available to you free of charge. You may obtain a free copy of your credit report once every 12 months from each of the three nationwide credit reporting agencies. Contact information for these agencies is as follows:

Equifax : P.O. Box 740241, Atlanta, GA 30374,, 1-800-525-6285

Experian : P.O. Box 2104, Allen, TX 75013,, 1-888-397-3742

TransUnion : P.O. Box 2000, Chester, PA 19022,, 1-800-680-7289

Annual Credit Report . You may also order a free annual credit report by visiting or calling 1-887-322-8228.

Fraud Alert . You may place a fraud alert in your file by contacting one of the three nationwide credit reporting agencies listed above. A fraud alert tells creditors to follow certain procedures, including contacting you before they open any new accounts or change your existing accounts. For that reason, placing a fraud alert can protect you, but also may delay you when you seek to obtain credit.

Security Freeze . You have the ability to place a security freeze on your credit report. A security freeze will prevent new credit from being opened in your name without the use of a PIN number that will be issued to you when you initiate the freeze. A security freeze is designed to prevent potential creditors from accessing your credit report without your consent. As a result, using a security freeze may interfere with or delay your ability to obtain credit. You must separately place a security freeze on your credit file with each credit reporting agency. To place a security freeze, you may be required to provide the credit reporting agency certain identifying information, including your full name; Social Security number; date of birth; current and previous addresses; a copy of your state‑issued identification card; and a recent utility bill, bank statement, or insurance statement.

Federal Trade Commission . If you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you should immediately contact the Federal Trade Commission and/or the Attorney General’s office in your home state. You can also contact these agencies for information on how to prevent or avoid identity theft. You may contact the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue, NW, Washington, DC 20580,, 1-877-IDTHEFT (438-4338).

Federal Fair Credit Reporting Act Rights : The Fair Credit Reporting Act (FCRA) is federal legislation that regulates how consumer reporting agencies use your information. It promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. As a consumer, you have certain rights under the FCRA, which the FTC has summarized as follows: you must be told if information in your file has been used against you; you have the right to know what is in your file; you have the right to ask for a credit score; you have the right to dispute incomplete or inaccurate information; consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to your file is limited; you must give your consent for reports to be provided to employers; you may limit “prescreened” offers of credit and insurance you get based on information in your credit report; you may seek damages from violators. Identify theft victims and active duty military personnel have additional rights. For more information about these rights, you may go to or write to: Consumer Response Center, Room 13-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

For More Information

We sincerely regret any inconvenience this incident may cause you. If you have any questions regarding this incident or if you desire further information or assistance, you may contact us in writing at 2211 N 1st St, San Jose, CA 95131, or by phone at 1-855-272-6796.

Call Center Hours: Monday to Friday 6:00 AM – 6:00PM (Pacific), and Saturday to Sunday 8:00 AM – 5:00 PM (Pacific).

You can also view state-specific information here.

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