Every day you hear about another security breach of a company that accepts payments, prompting all of its’ customers to worry about their identity. Turn on the news, and you’ll hear that identity theft is on the rise. Let’s face it – identity theft is a real concern for everyone. According to the Federal Trade Commission, 9.9 million people a year are affected by identity theft, and every minute, another 19 people have their identity stolen in some way.

Identity theft can take several different forms. It happens when someone uses your personal information without your permission. With your name, address, social security number, and date of birth, a thief can open new lines of credit, steal money from your bank accounts, get medical care, and even get a job.

With announcements starting in 2011, by now, you’ve learned that debit and credit cards are transitioning to chip technology. You may even have received one or two for your own personal accounts by now. As of October 1, 2015, point-of-sale machines at all U.S. retailers needed to be able to handle chip technology.

Why is this important? Because as of October 1, the liability for credit card fraud shifted from banks to retailers.

Our very own Carolina Panthers won their last game and are headed to the Super Bowl! Everyone is excited and proud, and you’re looking forward to inviting your friends over to watch the big game.

You’ve got a new TV. The beer is already chilling in the fridge, and your liquor cabinet is stocked up. There will be a ton of good food, too. You’re going to invite your best buds and a few people from work to watch the big game.

Before you get too excited and invite everyone you know, keep a few things in mind.