Getting a credit application approved, transferring money from one account to another, renewing your driver's license, getting a prescription from your doctor at your local pharmacy. Think about how easily and quickly you can do these things today. A downside of this convenience is that there are so many places and opportunities for your personal information to be changed, stolen or reported inaccurately. Help prevent this misuse with these tips:

• Look for privacy statements on websites, sales materials, and forms you fill out. If a website claims to follow a set of established voluntary standards, read the standards. Don't assume they provide the level of privacy you want.
• Ask what information will be collected and how it may be used. Only do business with those with privacy practices that meet your approval.
• Never give anyone your passwords or PIN numbers. Con artists might try to trick you into giving this information.
• Do not give personal information to those you don't know. A credit card number, savings or checking account number, or Social Security number in the wrong hands can be used to steal from you or to steal from others in your name.
• Don't give retailers information that isn't required. You don't have to give numbers other than the one you are using for payment. Some states bar merchants from asking consumers to provide additional information on checks or credit card slips. At the supermarket, find out whether a clerk can give you the discount without using the store's discount card.
• Be selective about what you put on warranty registration forms. The company only needs the purchase date, model/serial numbers, and how you can be contacted if there is a product recall. Questions not related to your purchase such as your income and hobbies can be ignored.
• Talk about privacy with others in your home. Everyone, even children, should understand what information is not appropriate to share on the phone, while using a computer, and in other situations.

Check with your state or local consumer agency to find out whether there are any state laws that help protect your privacy. Some companies and industry groups have also adopted voluntary policies that address privacy concerns.