Do you find it hard to say no? Well in the case of your personal privacy you need to learn how to use that word. Never provide sensitive information over the phone. This goes for social security number, home address, mother's maiden name or bank account number. These suggestions may seem like no-brainers, but in the heat of the moment you might feel the pressure to be polite and oblige. An easy phrase to refuse information disclosure is, "I'm concerned about my privacy and don't feel comfortable disclosing that information over the phone..." Be persistent- your information is your own and you have the right to keep it safe.