IDyou has built-in workflows that follow the ARNECC rules for VOI which is published in the Model Participation Rules.
These workflows will guide you through the required IDs needed to meet the regulation.For more information, click here and navigate to see the table on page 53.
The cost of IDyou is free when a loan is originated through a participating lender because the fee is covered by the lender.
Otherwise the cost is $10.For a list for the participating lenders can be found here
No, you do not have to be a client of MSA National to use IDyou.
If you are a broker/banker/loan writer, you can use IDyou to conduct VOI for most lenders, irrespective of whether or not MSA is the lenders panel solicitor.If you are a lender and want to make IDyou available to your loan writers, please contact MSA National on 02 8719 4000.
After you have completed the customer’s profile, IDyou will give you the option to send an email to your customer being verified. The email received by the customer contains a link the IDyou web-app.Refer to Remote User Guide.
With IDyou, you can verify your customer’s identity in any location and from any device that has an internet connection.If you are unable to arrange to meet in-person with your customer, you can use the remote option to conduct verification over a video call. Click here for more details on Remote VOI.
IDyou has a large signing panel to sign your name as part of the verification process.Stylus pens are the preferred way to sign, but you can also use your computer mouse or finger depending on the device you are using.
Photos that are taken with IDyou are not stored on your device and cannot be accessed in your photo gallery.During the process, you have the option to re-take or use that photo.
All photos taken with IDyou are saved and encrypted within the web-app until verified.All the pictures are deleted once verified.
Each photo provides a preview to allow you to check the quality each time.If it is not clear, simply retake the image.
How do you ensure the security of my submitted documents? MSA complies with the ISO27001 Certification for storing data.
Documents that are entered into IDyou are transmitted and stored securely in a write-only, ISO27001 certified private cloud provided database.
This database is only accessible for reading access via a private VPC, to a few highly privileged administrators.
All Data At Rest is secured using the industry-certified AES256 encryption, and all Data In Transit is secured end-to-end, using the industry-certified TLSv1, TLSv1.1, and TLSv1.2 standards, and offers the highest level of protection possible.All documents ordered as part of the report are encrypted on the server using AES256. All transport between the app and servers is secured using SSL.
All information on IDyou is encrypted, meaning your customer’s information is safe at all times.When you log onto IDyou on your new device, you will instantly gain access to your VOI library.
If you still have the email with the link that customer’s VOI report, open the email, click on the download report link and enter the security code.Note, the security code expires after 72 hours. If it has been more than 72 hours since the VOI was conducted, select Reset Report Links to generate a new security code.
When you submit a verification, you’ll receive a security code that will allow you to access the VOI report through a secure email link.
The link will expire after 72 hours for security reasoning.To reset an expired link, select the completed report in the verified menu and select Reset Report Link.
No; once you verify your customer’s identity all pictures are removed from your IDyou account.
You will be able to see a list of verified reports that summarises the order, including the customer’s name, who did the verification, the order ID and the documents that were supplied.There is also a code you can use to access the PDF of the report for a limited time.