I and many others aways read
as you say there's no real, actual or meaningful in those words except words themselve. Any of AVs do that - protect you from malware.
no, a simpe AV can not protect you in a depth like FSIS (and similiar Computer&Internet Security Proramms) in the market. Esp. program free of charge do not offer in depth inspection of URLs, and activity on the system.
To make things short "F-Secure Internet Security is much more than a simple Antivirus!" and it is not "only AV+ Firewall"
But let us know, what would you expect when you read "protection against ID theft"
Internet security in this scanerio is Good AV+Firewall+Parental Control.
I'm expecting it will do some magic to protect ID of customer. Which is already unrealistic. More realistic what I expect is that customer will use encription (some kind of it) when you do fill account info on webpages and not only.