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Mobile banking and finance apps have become increasingly popular in recent years. These apps provide a quick and convenient way to see checking and savings account balances and make and receive payments.
It’s no surprise that many people use these third-party apps to manage their finances. In 2021, the U.S. saw 573.1 million finance app downloads, a 19% increase from the previous year.
However, despite its benefits, mobile banking isn’t immune to risks. This article will discuss the safety and security of mobile finance apps and give you a few pointers to protect yourself while using these apps.
Yes, mobile banking is a pretty safe way to manage your finances; however, there can still be some risks associated with it, including fraud and scams.
If you’re careful, there are plenty of ways to protect yourself while using this incredibly easy banking method.
Here are a few tips to help you improve the safety of your online financial accounts.
A bank’s website will often include links to their mobile apps that provide related mobile banking services, along with details about the app’s features and how users can use it. You should use a trusted platform when installing the app, like the App Store for iPhone or iOS users or the Google Play Store for Android users.
You should also take time to go through reviews and related information about the app before downloading it to ensure its legitimacy. If you have any doubts, clarify the issue with your bank before downloading what could be a fake banking app.
While this may seem obvious, the reality is that many people don’t pay enough attention to their passwords. To create a strong password, you should use a combination of uppercase and lowercase letters, numbers, and special characters in no particular order or pattern.
In addition, security experts recommend long, complex passwords to exponentially increase the time it takes to crack them. It also helps to have unique passwords for each of your accounts.
If you’re concerned about remembering and managing multiple passwords, you can use a reputable and secure password manager like McAfee True Key to store your passwords.
Many services nowadays offer two-factor or multifactor authentication. This function refers to the additional layers of security against hackers. On top of a traditional username-password login, users are required to identify themselves with a code that’s sent to their cellphone or email.
By confirming the user’s identity this way, organizations eliminate a degree of uncertainty. While it isn’t foolproof, two-factor or multifactor authentication helps increase security. It’s worth checking if your finance app offers this feature.
Public Wi-Fi networks are convenient in urgent situations; however, they often come with a warning saying the network is unsecured. This means that the network is unencrypted, making it easy for hackers to access your personal information. The best practice is to avoid using public Wi-Fi networks, especially when carrying out any form of financial transaction.
If you need to make purchases or send and receive money while on the move, though, you’ll want to consider a virtual private network (VPN) like McAfee Secure VPN. The VPN provides a secure network even when using public Wi-Fi by hiding your IP address and encrypting your data.
The easiest way to protect your finances is to keep a vigilant eye on all of your transactions. However, security notifications from your bank are a great added measure. Most credit card companies allow you to turn on transaction alerts for various services, such as balance transfer requests, international purchases, and exceeded credit limits, which can help you recognize any suspicious activity on your account.
It’s also important to remember that financial institutions will never contact you over the phone or through email to ask for your banking information. If you receive such a message, it’s most certainly a scam. A common way people get duped is through calls or emails claiming they’ve won a prize and need to share personal account details to receive the money. Never share your bank account details, passwords, or one-time codes with strangers.
Always check with your bank to confirm any activity that seems out of the ordinary. In addition to alert notifications, banks can also send helpful tips to protect your account against fraud.
McAfee Security for Mobile is an award-winning cybersecurity tool that helps address the issues mentioned above and more. It’ll scan your device for malware, suspicious websites, and unsecured Wi-Fi networks so you can use social media or shop online with complete peace of mind.
It also comes with other features, like system cleaning services that clean junk from your phone’s storage. These features can boost battery life and help locate your phone if it’s ever stolen or misplaced.
Mobile and online banking both have their benefits and drawbacks, but which is the safer option? Experts often have varied opinions on the matter.
Some people believe it might be easier to download malware on a computer unknowingly, as it’s tricky to judge the authenticity of a website or malicious links. Users typically download apps from reputed app stores when using mobile devices, which lowers the risk.
On the other hand, professionals believe that both methods are equally safe. The choice depends on the network available to the user, as private networks are significantly less susceptible to hacking than public ones. Some users may prefer computers to mobile phones simply because they find it easier to perform tasks on a bigger screen.
Both internet and mobile banking are convenient and offer a quick way to manage your personal finances, as you don’t have to travel to a physical bank or carry large amounts of cash in your wallet.
However, while mobile banking is generally considered a safe method of managing your finances, it can have some vulnerabilities that scammers may try to take advantage of.
Following the tips mentioned above — like using a private network, not sharing personal details with anyone, and using a comprehensive mobile security tool like McAfee Security for Mobile — can make all the difference.
The tool’s security features include safe browsing, a secure VPN, and antivirus software. This means you can use your mobile finance apps confidently knowing McAfee is looking out for you.
The post How to Know If Your Mobile Finance Apps Are Safe appeared first on McAfee Blog.
The explosion of e-commerce sites has changed how we shop today, providing access to millions of online stores with almost unlimited selections.
Just as you would take basic precautions in a brick-and-mortar store — perhaps hiding your PIN number while paying and making sure the business is legitimate — you should also practice safe shopping habits online.
Here are eight ways you can avoid fake websites and other online scams and ensure that you’re dealing with legitimate companies and safe online stores.
One of the best ways to tell if an online store is legit and avoid debit and credit card scams, domain name and subdomain name takeovers, and other problems is with a free and effective download like McAfee WebAdvisor.
This smart tool helps you surf and shop with confidence, protecting you from malicious sites that can contain:
McAfee WebAdvisor is a free browser extension that downloads quickly and installs easily, working in the background automatically to protect you from malware and phishing as you surf, search, and enjoy online shopping.
McAfee WebAdvisor works with Windows 10, 8.1, 8, and 7 (32- and 64-bit) computers and is compatible with these browsers:
Here are other ways to make sure you know when you’re dealing with scammers online.
When checking an e-commerce site’s credentials, start with the address bar. Often, hackers will use URLs that are very close to the real site’s URL but not quite the same. Look for typos or use Google to see if a search takes you to the same page. Also, look for a padlock icon in the address bar.
Click the padlock and look at the drop-down menu that provides information, such as if the site has a valid certificate like SSL (verifying that the web address belongs to the company), how many cookies are in use, other site settings, and whether your information is safe when sent to this site.
The protection is pretty good but not perfect since some cybercriminals have been able to replicate these padlocks or take over legitimate sites that have them.
Trust seals, such as the TrustedSite certification, are stamps created by a certificate authority (CA) to confirm the legitimacy of a site. A trust seal tells visitors that they are on a safe site and the company that displays the mark prioritizes cybersecurity. Click on it, and you should be taken to a webpage that verifies the authenticity of the trust seal.
Google’s Safe Browsing technology crawls through billions of web addresses every day on the lookout for unsafe websites. The technology discovers thousands daily — often legitimate sites that have been compromised. Warnings for unsafe sites pop up in your browser and on the Google search engine. You can also search specific URLs to see if a site has been compromised.
It’s worth checking a company on social media to see if they appear to have a genuine following and legitimate posts. The Better Business Bureau (BBB) also has suggestions for spotting fake social media accounts, including those on LinkedIn, Facebook, Twitter, and Instagram. You should look for:
Another way to test the legitimacy of an online retail store is to check its contact information. Does it have a physical address, phone number, and email contact? Does the email address on the contact page have the company domain name in it, or is it generic (like a Gmail address)? If you send an email, does it get delivered?
Check to see if the e-commerce site looks as if it has been professionally produced or whether it has been thrown together with slapdash results. Are there typos, grammar errors, poor-quality images, and a sloppy design? Does it have a poorly worded return policy or no return policy at all?
All the things that undermine the professional appearance and authenticity of a site should be red flags and convince you that you’re on a scam website.
If the online company is a legitimate website (not a scam site) and has been around for a while, there should be authentic third-party reviews from previous customers. Review sites include Google My Business, Amazon, and Yelp.
If the reviews are uniformly bad, on the other hand, you have another type of problem to confront.
Since virtual shopping is fast becoming the new norm, it’s important to guard against cybercriminals that are increasingly targeting retailers and their customers. A great way to shop with confidence is to use McAfee WebAdvisor, which is available as a free download.
The web browser extension works tirelessly in the background to protect you as you browse and buy. Think of it as a gift to yourself so you can use the internet to its full potential while keeping your information protected.
The post 8 Ways to Know If Online Stores Are Safe and Legit appeared first on McAfee Blog.
The great thing about the internet is that there’s room for everyone. The not-so-great part? There’s plenty of room for cybercriminals who are hungry to get their hands on our personal information.
Fortunately, internet scams don’t have to be a part of your online experience. In this article, we’ll tell you about some of the most common internet schemes and how you can recognize them to keep your identity safe.
Scams are scary, but you can prevent yourself from falling for one by knowing what to look for. Here are a few tell-tale signs that you’re dealing with a scammer.
If you get a message that you’ve won a big sum of cash in a sweepstakes you don’t remember entering, it’s a scam. Scammers may tell you that all you need to do to claim your prize is send them a small fee or give them your banking information.
When you enter a real sweepstakes or lottery, it’s generally up to you to contact the organizer to claim your prize. Sweepstakes aren’t likely to chase you down to give you money.
Scammers will often ask you to pay them using gift cards, money orders, cryptocurrency (like Bitcoin), or through a particular money transfer service. Scammers need payments in forms that don’t give consumers protection.
Gift card payments, for example, are typically not reversible and hard to trace. Legitimate organizations will rarely, if ever, ask you to pay using a specific method, especially gift cards.
When you have to make online payments, it’s a good idea to use a secure service like PayPal. Secure payment systems can have features to keep you safe, like end-to-end encryption.
Scammers may try to make you panic by saying you owe money to a government agency and you need to pay them immediately to avoid being arrested. Or the criminal might try to tug at your heartstrings by pretending to be a family member in danger who needs money.
Criminals want you to pay them or give them your information quickly — before you have a chance to think about it. If someone tries to tell you to pay them immediately in a text message, phone call, or email, they’re likely a scammer.
Many scammers pretend to be part of government organizations like the Internal Revenue Service (IRS). They’ll claim you owe them money. Criminals can even use technology to make their phone numbers appear legitimate on your caller ID.
If someone claiming to be part of a government organization contacts you, go to that organization’s official site and find an official support number or email. Contact them to verify the information in the initial message.
Scammers may also pretend to be businesses, like your utility company. They’ll likely say something to scare you, like your gas will be turned off if you don’t pay them right away.
Most legitimate organizations will thoroughly proofread any copy or information they send to consumers. Professional emails are well-written, clear, and error-free. On the other hand, scam emails will likely be full of grammar, spelling, and punctuation errors.
It might surprise you to know that scammers write sloppy emails on purpose. The idea is that if the reader is attentive enough to spot the grammatical mistakes, they likely won’t fall for the scam.
There are certain scams that criminals try repeatedly because they’ve worked on so many people. Here are a few of the most common scams you should watch out for.
A phishing scam can be a phone or email scam. The criminal sends a message in which they pretend to represent an organization you know. It directs you to a fraud website that collects your sensitive information, like your passwords, Social Security number (SSN), and bank account data. Once the scammer has your personal information, they can use it for personal gain.
Phishing emails may try anything to get you to click on their fake link. They might claim to be your bank and ask you to log into your account to verify some suspicious activity. Or they could pretend to be a sweepstakes and say you need to fill out a form to claim a large reward.
During the coronavirus pandemic, new phishing scams have emerged, with scammers claiming to be part of various charities and nonprofits. Sites like Charity Navigator can help you discern real groups from fake ones.
These scams also became much more prominent during the pandemic. Let’s say you’re preparing to fly to Paris with your family. A scammer sends you a message offering you an insurance policy on any travel plans you might be making. They’ll claim the policy will compensate you if your travel plans fall through for any reason without any extra charges.
You think it might be a good idea to purchase this type of insurance. Right before leaving for your trip, you have to cancel your plans. You go to collect your insurance money only to realize the insurance company doesn’t exist.
Real travel insurance from a licensed business generally won’t cover foreseeable events (like travel advisories, government turmoil, or pandemics) unless you buy a Cancel for Any Reason (CFAR) addendum for your policy.
Grandparent scams prey on your instinct to protect your family. The scammer will call or send an email pretending to be a family member in some sort of emergency who needs you to wire them money. The scammer may beg you to act right away and avoid sharing their situation with any other family members.
For example, the scammer might call and say they’re your grandchild who’s been arrested in Mexico and needs money to pay bail. They’ll say they’re in danger and need you to send funds now to save them.
If you get a call or an email from an alleged family member requesting money, take the time to make sure they’re actually who they say they are. Never wire transfer money right away or over the phone. Ask them a question that only the family member would know and verify their story with the rest of your family.
You get an email from a prince. They’ve recently inherited a huge fortune from a member of their royal family. Now, the prince needs to keep their money in an American bank account to keep it safe. If you let them store their money in your bank account, you’ll be handsomely rewarded. You just need to send them a small fee to get the money.
There are several versions of this scam, but the prince iteration is a pretty common one. If you get these types of emails, don’t respond or give out your financial information.
Your online experience is rudely interrupted when a pop-up appears telling you there’s a huge virus on your computer. You need to “act fast” and contact the support phone number on the screen. If you don’t, all of your important data will be erased.
When you call the number, a fake tech support worker asks you for remote access to your device to “fix” the problem. If you give the scammer access to your device, they may steal your personal and financial information or install malware. Worse yet, they’ll probably charge you for it.
These scams can be pretty elaborate. A scam pop-up may even appear to be from a reputable software company. If you see this type of pop-up, don’t respond to it. Instead, try restarting or turning off your device. If the device doesn’t start back up, search for the support number for the device manufacturer and contact them directly.
Scammers will often pose as popular e-commerce companies by creating fake websites. The fake webpages might offer huge deals on social media. They’ll also likely have a URL close to the real business’s URL but slightly different.
Sometimes, a criminal is skilled enough to hack the website of a large online retailer. When a scammer infiltrates a retailer’s website, they can redirect where the links on that site lead. This is called formjacking.
For example, you might go to an e-commerce store to buy a jacket. You find the jacket and put it in your online shopping cart. You click “check out,” and you’re taken to a form that collects your credit card information. What you don’t know is that the checkout form is fake. Your credit card number is going directly to the scammers.
Whenever you’re redirected from a website to make a payment or enter in information, always check the URL. If the form is legitimate, it will have the same URL as the site you were on. A fake form will have a URL that’s close to but not exactly the same as the original site.
These scams are similar to tech support scams. However, instead of urging you to speak directly with a fake tech support person, their goal is to get you to download a fake antivirus software product (scareware).
You’ll see a pop-up that says your computer has a virus, malware, or some other problem. The only way to get rid of the problem is to install the security software the pop-up links to. You think you’re downloading antivirus software that will save your computer.
What you’re actually downloading is malicious software. There are several types of malware. The program might be ransomware that locks up your information until you pay the scammers or spyware that tracks your online activity.
To avoid this scam, never download antivirus software from a pop-up. You’ll be much better off visiting the website of a reputable company, like McAfee, to download antivirus software.
Dealing with credit card debt can be extremely stressful. Scammers know this and try to capitalize off it. They’ll send emails posing as credit experts and tell you they can help you fix your credit or relieve some of your debt. They might even claim they can hide harmful details on your credit report.
All you have to do is pay a small fee. Of course, after you pay the fee, the “credit expert” disappears without helping you out with your credit at all. Generally, legitimate debt settlement firms won’t charge you upfront. If a credit relief company charges you a fee upfront, that’s a red flag.
Before you enter into an agreement with any credit service, check out their reputation. Do an online search on the company to see what you can find. If there’s nothing about the credit repair company online, it’s probably fake.
Admitting that you’ve fallen for an online scam can be embarrassing. But reporting a scammer can help stop them from taking advantage of anyone else. If you’ve been the victim of an online scam, try contacting your local police department and filing a report with the Federal Trade Commission (FTC).
Several other law enforcement organizations handle different types of fraud. Here are a few examples of institutions that can help you report scams.
Fraudsters shouldn’t stop you from enjoying your time online. Just by learning to spot an online scam, you can greatly strengthen your immunity to cybercrimes.
For an even greater internet experience, you’ll want the right tools to protect yourself online. McAfee’s Total Protection services can help you confidently surf the web by providing all-in-one protection for your personal info and privacy. This includes identity protection — which comes with 24/7 monitoring of your email addresses and bank accounts — and antivirus software to help safeguard your internet connection.
Get the peace of mind that comes with McAfee having your back.
The post How to Recognize an Online Scammer appeared first on McAfee Blog.
Online banking puts the ability to pay bills, check your balance, or transfer money at your fingertips. Unfortunately, it can also make you vulnerable to scammers who may try to trick you into giving them access to your account.
By remaining vigilant, though, you can avoid common scams. This article discusses mobile banking scams and how to avoid them.
Online banking can be super convenient — for both you and cybercriminals. And hackers may use a variety of tactics to gain access to your accounts. Most of these involve tricking you into giving them your account information.
With this type of online scam, fraudsters may send a text message or email that looks like it’s from your bank. Often, the message will ask for immediate action, such as confirming your information to keep the account from being closed.
The message might even include a link to the bank, but it actually goes to a fraudulent website designed to look like the bank’s website. When you enter your account information, the scammers record it.
Sometimes, the email asks you to call a fake customer service number. If you do, you’ll speak to someone who tries to get you to give over sensitive information, like your date of birth or Social Security number (SSN).
Occasionally, scammers already have some of your personal information. To gain your trust, they might mention personal details like your date of birth or the last four digits of your SSN. They may have learned this information from your social media posts or accessed it in a data breach.
Another way hackers may try to access your bank account is to steal or guess your password. If they can log into your account, they can use your sensitive information for personal gain, otherwise known as identity theft. They can then open credit card accounts in your name, purchase merchandise, or transfer money out of your account.
Cybercriminals use technology to guess billions of passwords per second. However, it’s more difficult to guess long passwords with a combination of letters and numbers.
For example, a computer can instantly guess a password consisting of eight letters. Adding one uppercase letter extends the time it takes to crack a password to 22 minutes. In contrast, a 12-character password with an uppercase letter, a number, and a symbol would take the computer 34,000 years to crack.
When you click a link or attachment in an email or download fake antivirus software, your device can become infected with malicious software or malware. A virus can let hackers view data from your device and use it to access your financial information or bank accounts.
Consider getting antivirus software to help protect your devices, like what’s offered through McAfee Total Protection. Our award-winning antivirus software provides 24/7 real-time threat protection against online threats like malware, viruses, ransomware, and phishing, across Apple and Android systems.
Public Wi-Fi gives you convenient, free access to the internet in restaurants, airports, and department stores. But it can also be easy for hackers to see your private information on an open network that doesn’t require a password.
If you log into your online bank account, your login information could be exposed, making you vulnerable to bank fraud. Shopping online with public Wi-Fi could also expose your credit card information.
Fortunately, you can protect yourself from cybercriminals with sensible precautions and a healthy dose of suspicion. Use the tips below to help safeguard your accounts from online banking scams.
McAfee Total Protection provides all-in-one protection for your personal information and privacy. You’ll have coverage for all of your laptops, tablets, and smartphones on most operating systems — Windows, macOS, Android, or iOS. In addition to premium antivirus software, you get identity monitoring and a secure VPN that shields your data when using public Wi-Fi.
You can better recognize phishing emails once you understand how banks communicate with customers. There are certain things legitimate banks never do. If you get a message like that, assume it’s fraudulent. Some other tips include:
At some point, almost everyone has used the same password for different websites. But this is one of the simplest ways for hackers to get into your accounts. If they figure out the password for one, they can sometimes access your other accounts.
The most common passwords are:
Use unique passwords for each website. They should be 12 characters long and include numbers, lowercase letters, uppercase letters, and symbols. McAfee Total Protection includes a password manager to help generate and store your passwords in a single location.
If you get an email about an issue with your bank account, you can always go directly to your bank’s website. Don’t click any links in a text or email — just go directly to your bank’s website to check your account. Similarly, if you get a phone call, dial your bank directly using the official telephone number.
Use two-factor authentication when logging into websites for your financial institutions. You’ll get a one-time code by text or email to use each time you log into your account.
When you log onto public Wi-Fi, anyone can see your internet activity. For that reason, you shouldn’t log into your bank account with public Wi-Fi unless you’re using a virtual private network (VPN).
McAfee Secure VPN protects your privacy by turning on automatically for unsecured networks. Your data is encrypted so it can’t be read by prying eyes. The VPN also keeps your online activity and physical location private and secure from advertisers.
Review your bank statements carefully each month to ensure there are no unauthorized transactions. Contact your bank immediately if you see any payments or withdrawals that you don’t recognize.
Being vigilant and understanding how scammers work can help you avoid online banking scams. For an additional layer of security, use McAfee Total Protection. Our comprehensive cybersecurity services protect all of your devices with award-winning antivirus, a secure VPN for safe Wi-Fi connections, and advanced identity monitoring. There’s even a team of security experts available to assist you around the clock.
With McAfee, you can bank online with ease knowing your personal data is secure.
The post Types of Online Banking Scams and How to Avoid Them appeared first on McAfee Blog.
It’s difficult to imagine what life was like before the internet. We log in daily to pay bills, shop, watch movies, and check out what friends and family are up to on social media. While the internet has made life easier, we may not consider how our online activities can make personal information — such as our Social Security numbers (SSNs) or bank account and credit card numbers — vulnerable to cybercriminals on the dark web.
Fortunately, you can find out if your information is on the dark web and keep tabs on your sensitive information with extensive dark web monitoring, offered through McAfee’s Identity Protection services.
This article explains what the dark web is, how to find out if personal details have reached the dark web, and how to protect your sensitive information.
Unlike the surface web we use for things like shopping and online banking, the dark web is part of the internet that’s not indexed by search engines. It can only be accessed with special web browsers. A few widely known networks include Tor, I2P, and Riffle.
Cybercriminals can browse, sell, or trade on dark websites with confidence and complete anonymity. Because of its highly layered encryption system, hackers can communicate without giving away their location, IP address, or identity.
Data can end up on the dark web in several ways, including through data breaches, using public Wi-Fi, visiting a nonsecure website, and leaving an offline paper trail.
A cybercriminal may hack into company databases and take personal data, such as email account addresses, passwords, and phone numbers. And while we all love to work at our favorite coffee shop, using an unsecured Wi-Fi network can leave our personal information in public view.
That’s why using a virtual private network (VPN) like McAfee Secure VPN, which comes with bank-grade encryption to scramble your data, can be a good idea. You’ll also only want to visit encrypted webpages when browsing online — keep an eye out for URLs beginning with HTTPS rather than HTTP. The “S” means added security for you. Lastly, shred paper containing your personal information or lock it away until you can.
With identity monitoring through McAfee Identity Protection, you’ll receive notifications if we find your personal information on the dark web. Our extensive monitoring service keeps tabs on up to 60 unique types of personal data and can notify you up to 10 months sooner than similar services. Plus, you get peace of mind with up to $1 million of ID theft coverage and hands-on restoration support to help reclaim your identity after identity theft.
While you can’t remove your information once it’s on the dark web, there are plenty of steps you can take to help protect yourself and prevent your data from falling into the wrong hands. You can:
No one wants their information to end up on the dark web. Fortunately, you can do a few things to minimize your risk of exposure. Here are some tips you can use to keep your data safe.
Identity protection software from McAfee can help keep your information out of the hands of cybercriminals. Some features of McAfee identity protection include expert security support, award-winning antivirus protection, a password manager, and firewall protection. Choose the plan that works best for you and keep tabs on your personal information.
This extra layer of security double-checks your identity when signing into an online account. You enter your password as usual and a unique six-digit, one-time code is sent to a trusted device via text. This added step can help improve the security of your personal information.
When creating or updating your account passwords, make sure to choose ones that are difficult to guess. Avoid using a pet’s name, your name, or other personal information that others can guess. It goes without saying, but don’t share any of your passwords.
Shared content can tell a lot about someone. Have you ever shared the make and model of your first car, your favorite movie or band, or your high school graduation year? This information helps unsavory characters figure out online passwords and security questions.
There are a lot of cool apps out there, and many are harmless. However, some may request access to your location, photos, contact list, and even microphone. Certain apps, especially those filled with malware, can then collect your data and share it with others. Fortunately, Android devices and Apple iPhones allow you to change your permission settings for apps.
With so many emails arriving in our inboxes, we may not always pay close attention to what we’re opening. However, scammers may use phishing emails in an attempt to access your personal information. Sometimes, these emails are obvious, but they can also look legit and appear as a trusted company, such as your bank or credit card company. If something seems amiss, such as a billing error or an invoice, log in through the company’s website rather than click links inside the email.
No one wants their information on the dark web. Thankfully, there are several things you can do to keep your personal information secure, including all-in-one protection from McAfee.
McAfee Total Protection comes with advanced identity monitoring, which provides faster and broader detection for your identity, plus premium antivirus software, safe browsing, and Secure VPN.
With easy setup and extensive monitoring, you can maintain your digital identity and gain peace of mind.
The post A Guide to Finding Out If Your Information Is on the Dark Web appeared first on McAfee Blog.
If you’re like most people, you probably use your computer for most of your online activities. It’s amazing what the internet can do to make our lives easier. But if you’ve spent any time online, you know the internet also comes with some risks.
Malware (or malicious software) is one risk of living a connected life. Whether it comes from infected websites, innocent-looking email attachments, or applications and tools you think you can trust, malware can expose your private information to cybercriminals who may use it for personal gain.
If you suspect that malicious software has infected your device, it’s important to remove it quickly to protect yourself.
Though dealing with malware can be scary, there are a few things you can do. This article will explain how malware can infect devices and how you can remove it from them.
There are many types of malware, which do their work in different ways. They can include viruses, worms, Trojans, spyware, adware, ransomware, and more.
Some common ways that Windows PCs, Macs, tablets, and smartphones can get infected include:
Malware can affect you in a variety of ways. For example, malware can allow hackers to steal your private information, uncover passwords, cause financial issues for you or your company, delete files, and render your device unusable.
Malware can also move from your computer to other devices, so you may unwittingly infect friends, family, or co-workers. It can gobble up your computer’s memory, slow its operation to a snail’s pace, and more.
For these reasons, it’s a good idea to find out how to remove malware and learn to protect yourself from it in the first place.
The Federal Trade Commission (FTC) Consumer Information points out some ways to know if malware has infected your device, including if it:
If you think your computer, smartphone or tablet has been infected by malware, the first step is to stop shopping, banking, and doing other things online that involve usernames, passwords, or other sensitive information until you have the problem resolved.
If you don’t have an antivirus program on your device, it’s a good idea to get one. McAfee’s antivirus software provides award-winning protection for your data and devices. It’s important to get antivirus software from a trusted name because some malware can even masquerade as security software.
It’s also important to make sure that your operating system for your different devices and applications are up to date. Older programs and apps might not have the latest security features — cybercriminals are constantly devising new ways to get people’s information — and outdated software can have a harder time fighting off infection.
Once your cybersecurity software is in place, you should:
If you have a PC with Windows 10 or 11, you already benefit from free virus threat protection with Microsoft Windows Defender. Windows Defender, or built-in Microsoft security, compares new files and programs against a database of known malware. It keeps an eye out for signs that an attack is underway, such as the encryption of key files.
Defender can run in active, passive, and disabled mode. In active mode, it’s the primary antivirus app on the device. This means the program will scan files, remedy any threats, and show detected threats in your organization’s security reports and in the Windows Security app.
Microsoft Defender will automatically turn off if you have another antivirus app installed and turned on. Microsoft Defender will turn back on automatically if you uninstall the other app.
In passive mode, Microsoft Defender isn’t used as the primary antivirus app on the device. It’ll scan files and report any threats but it won’t remedy those threats. Finally, Microsoft Windows can’t detect or address threats if it is disabled or uninstalled.
You can run quick and advanced scans in Windows Security. If you’re worried that a specific file or folder has been compromised, you can also run a manual scan by:
You’ll see the scan results and options for dealing with any potential threats.
Microsoft Defender is also available to protect Android smartphones from viruses and malware. It can also help against phishing and phishing and scans your Android device automatically to track and identify potentially unwanted, and dangerous, applications on your device.
Apple users, as well, have built-in antivirus software to help detect and fight off malware. Malware is commonly distributed across macOS systems by being embedded in a harmless-looking app.
Luckily, settings in Security & Privacy preferences allow you to designate the sources of software installed on your Mac. Just follow these steps:
Apple iPads and iPhones have strong built-in security and privacy protections, so it is up to the user on whether or not they want to install antivirus for additional malware protections. Apple boasts a “walled-garden” approach–meaning that their operating system is closed to outside apps and games not affiliated with their official app store unless you jailbreak the device.
Remember that while cybersecurity features built into devices are a great starting point, they’re not always comprehensive. That’s where antivirus software, like McAfee Total Protection, can help. It offers continuous protection against malware, viruses, phishing, ransomware, and other online threats. It also automatically updates so you don’t need to worry about manual upgrades.
The security software also includes alerts before you connect to risky websites and offers one-click fixes to help you stay safe online.
Antivirus software like McAfee works to block malware from infecting your computer, smartphone, or tablet. If malware somehow does get through, it can act as a powerful malware scanner by searching every file on your device for infections.
It can troubleshoot, look for vulnerabilities, and compile a list of infected software that can be quarantined (or isolated) to prevent it from doing harm and deleted at the end of the virus scan using removal tools.
McAfee’s anti-malware software updates its virus database by using an automatic web crawler that scans the internet, identifies online threats like malicious software, and figures out how to delete them.
McAfee antivirus uses this data to automatically update your device’s protective set-upl, providing strong protection so nothing harmful gets in.
Besides desktop computers, McAfee provides mobile security for both Android and Apple devices. For example, when you use your iPhone or Android phone on a public Wi-Fi system, McAfee’s Wi-Fi privacy protection (VPN) in effect turns the public network into a private one, where you can surf safely. Of course, its antivirus app regularly scans for threats and malware while actively blocking them in real time, keeping your mobile devices protected.
McAfee offers a variety of plans tailored to fit your needs and budget so your computer and other devices — including Android smartphones, Apple iPhones, and various tablets — are protected from malware and other online threats.
McAfee is a leader in consumer security, and our antivirus software is used on more than 6 million devices. It’s easy to install and use, provides 24/7 real-time threat protection, and comes with a Virus Pledge — a money-back guarantee that it’ll remove all viruses from your protected devices.
You can get antivirus software as part of McAfee’s Total Protection services. This includes all-in-one protection for your personal info and privacy, with identity restoration assistance and up to $1 million of identity theft coverage for data breaches. You also have access to identity monitoring, safe browsing, and a secure VPN.
With McAfee, you can turn apprehension about malware into the peace of mind that comes from proper protection.
The post How to Quickly Remove Malware in 2022 appeared first on McAfee Blog.
If your PC runs on Windows 10, you’re in very good company. The Microsoft operating system is the most widely used OS in the world. Many Windows 10 users have also been upgraded to Windows 11 through a rollout that began in 2021. Microsoft plans to complete the Windows update by mid-2022.
Unfortunately, its success as a widely used operating system makes Windows attractive to hackers. And if malicious software like malware can make a home in Windows, there are a lot of targets. So, this might raise the question of how best to protect your Windows 10 or 11 device.
Should you just use Windows Defender — Microsoft’s free version of antivirus software — or buy additional protection?
Read on to learn what Microsoft Defender covers and how additional virus protection can secure all of your connected devices.
For years, Microsoft has offered anti-malware protection, but the current version provides effective security against viruses. Windows Defender is a free antivirus tool that’s built into the Windows operating system.
While it’s considered one of the best free antivirus software programs, it doesn’t have any extra features that might come with paid security software. If you’re just looking for good antivirus software, though, Windows Defender can get the job done.
If you’re not using third-party antivirus protection, you’ll want to make sure that your Windows Defender antivirus coverage is working on your computer. Here’s how to check:
To make sure your Windows security is running, follow these steps:
With built-in coverage, you may wonder if you should invest in paid antivirus software. The answer is, of course, yes! It can be a good idea to get another antivirus solution because blocking malware and viruses should just be one part of your threat protection.
Today’s cybercriminals are using elaborate ruses to try to access your personal information, such as your bank and credit card numbers. And some of their scams might even target your devices with risky apps or links on social media.
As they always say, it’s better to be safe than sorry! Having another antivirus program can make sure you have real-time protection and access to the latest security features.
There are a lot of antivirus protection programs out there, but they aren’t all created equal. When looking for the best antivirus software for your needs, here are some things to consider for your devices running on Windows 10 or 11.
If you have a Windows PC, use an iPhone, and your tablet runs on Chrome, it helps to have an antivirus app that works across multiple operating systems. The good news is that McAfee Total Protection is compatible with Windows, Mac, iOS, and Android devices, so you can continue enjoying all of your different devices without losing protection.
For greater cybersecurity, antivirus software should defend against a variety of online threats like viruses, spyware, and ransomware. And that’s exactly what you get with McAfee Total Protection. Our antivirus software can also help you avoid phishing attacks, which are fake messages to trick you into providing information or clicking a malicious link. The software will give you a warning when it recognizes a risky link, website, or file.
Functionality is another thing you’ll want to consider when looking for antivirus software. If the program isn’t easy to use to begin with — especially if you want to easily manage multiple devices — what good will it do you?
But you don’t have to worry with McAfee Total Protection, which allows you to connect and manage all of your computers and mobile devices from one single dashboard.
To keep your devices free from online threats like malware, good antivirus software will scan your files for threats. McAfee Total Protection provides 24/7 protection with real-time, on-demand, and scheduled scanning of files and applications.
McAfee Total Protection was developed with an understanding of how cybercriminals operate. Scammers may use a variety of tactics to try to steal your personal information, so our all-in-one protection also includes:
Using Microsoft’s built-in antivirus software can protect your Windows devices from viruses and malware. But to really keep your network and all of your devices secure, it’s good to rely on comprehensive protection like McAfee Total Protection. With services like identity monitoring, safe browsing, and a secure VPN, you can enjoy the internet without worry.
The post Does Windows 10 or 11 Need Antivirus Software? appeared first on McAfee Blog.
The growing number of internet crimes targeting senior adults is mind-blowing.
In 2021, more than 92,000 people over the age of 60 reported losses of $1.7 billion, according to IC3, the FBI’s Internet Crime division. That number reflects a 74 percent increase in losses from 2020.
These numbers tell us a few things. They tell us that scamming the elderly is a multi-billion-dollar business for cybercriminals. It also tells us that regardless of how shoddy or obvious online scams may appear to anyone outside the senior community, they are working.
However, information is power. Senior adults can protect their hard-earned retirement funds and government benefits by staying informed, adopting new behaviors, and putting tools in place designed to stop scammers in their tracks. And, when possible, family, friends, and caregivers can help.
The FBI said confidence fraud and romance scams netted over $281 million in losses.
The top four types of scams targeting seniors: Romance scams (confidence scams), fake online shopping, false utility representatives, and government agent imposters. Here’s how to make a few shifts to mindset and your daily routine and steer clear of digital deception.
Just as the seasons change in our lives, so too must our behaviors when connecting to people and information via our devices. Cybercriminals target older people because they assume they aren’t as informed about schemes or technically savvy as younger people. Senior adults and their loved ones can work daily to change that narrative. With the right mindset, information, and tools, seniors can connect online with confidence and enjoy their golden years without worrying about digital deception.
The post Seniors: How to Keep Your Retirement Safe from Online Scams appeared first on McAfee Blog.
Whether you think you might have a virus on your computer or devices, or just want to keep them running smoothly, it’s easy to do a virus scan. How to check for viruses depends on the software and device you have, so we’ll go through everything you need to know to run a scan effectively and keep your computers, phones and tablets in tip-top shape.
First, let’s cover a few of the telltale signs your device might have a virus. Is your computer or device acting sluggish or having a hard time booting up? Have you noticed missing files or a lack of storage space? Have you noticed emails or messages sent from your account that you did not write? Perhaps you’ve noticed changes to your browser homepage or settings? Or maybe, you’re seeing unexpected pop-up windows, or experiencing crashes and other program errors. These are all examples of signs that you may have a virus, but don’t get too worried yet, because many of these issues can be resolved with a virus scan.
Each antivirus program works a little differently, but in general the software will look for known malware that meets a specific set of characteristics. It may also look for variants of these known threats that have a similar code base. Some antivirus software even checks for suspicious behavior. If the software comes across a dangerous program or piece of code, it removes it. In some cases, a dangerous program can be replaced with a clean one from the manufacturer.
The process of checking for viruses depends on the device type and its operating system. Check out these tips to help you scan your computers, phones and tablets.
If you use Windows 10, go into “Settings” and look for the “Updates & Security” tab. From there you can locate a “Scan Now” button.
Of course, many people have invested in more robust antivirus software that has a high accuracy rate and causes less drain on their system resources, such as McAfee Total Protection. To learn how to run a virus scan using your particular antivirus software, search the software’s help menu or look online for instructions.
Mac computers don’t have a built-in antivirus program, so you will have to download security software to do a virus scan. There are some free antivirus applications available online, but we recommend investing in trusted software that can protect you from a variety of threats. Downloading free software and free online virus scans can be risky, since cybercriminals know that this is a good way to spread malware.
Whichever program you choose, follow their step-by-step instructions on how to perform a virus scan, either by searching under “help” or looking it up on their website.
Yes, you can get a virus on your phone or tablet, although they are less common than on computers. However, the wider category of mobile malware is on the rise and your device can get infected if you download a risky app, click on an attachment in a text message, visit a dangerous webpage, or connect to another device that has malware on it.
Fortunately, you can protect your devices with mobile security software. It doesn’t usually come installed, so you will have to download an application and follow the instructions.
Because the Android platform is an open operating system, there are a number of antivirus products for Android devices, that allows you to do a virus scan.
Apple devices are a little different because they have a closed operating system that doesn’t allow third parties to see their code. Although Apple has taken other security precautions to reduce malware risks, such as only allowing the installation of apps from Apple’s official app store, these measures aren’t the same as an antivirus program.
For more robust protection on your Apple devices, you can install mobile security software to protect the private data you have stored on your phone or tablet, such as contacts, photos and messages.
If safeguarding all your computers and devices individually sounds overwhelming, you can opt for a comprehensive security product that protects computers, smartphones and tablets from a central control center, making virus prevention a breeze.
New online threats emerge every day, putting our personal information, money and devices at risk. In the first quarter of 2019 alone McAfee detected 504 new threats per minute, as cybercriminals employed new tactics. That’s why it is essential to stay ahead of these threats by using security software that is constantly monitoring and checking for new known threats, while safeguarding all of your sensitive information. Virus scans are an essential part of this process when it comes to identifying and removing dangerous code.
Most antivirus products are regularly scanning your computer or device in the background, so you will only need to start a manual scan if you notice something suspicious, like crashes or excessive pop-ups. You can also program regular scans on your schedule.
Of course, the best protection is to avoid getting infected in the first place. Here are a few smart tips to sidestep viruses and other malware:
The post How To Do A Virus Scan appeared first on McAfee Blog.
While biometric tools like facial ID and fingerprints have become more common when it comes to securing our data and devices, strong passwords still play an essential part in safeguarding our digital lives.
This can be frustrating at times, since many of us have more accounts and passwords than we can possibly remember. This can lead us to dangerous password practices, such as choosing short and familiar passwords, and repeating them across numerous accounts. But password safety doesn’t have to be so hard. Here are some essential tips for creating bulletproof passwords.
Every year surveys find that the most popular passwords are as simple as “1234567” and just “password.” This is great news for the cybercrooks, but really bad news for the safety of our personal and financial information.
When it comes to creating strong passwords, length and complexity matter because it makes them harder to guess, and harder to crack if the cybercriminal is using an algorithm to quickly process combinations. The alarming truth is that passwords that are just 7 characters long take less than a third of a second to crack using these “brute force attack” algorithms.
Tricks:
Passwords that include bits of personal information, such as your name, address, or pet’s name, make them easier to guess. This is especially true when we share a lot of personal information online. But you can use personal preferences that aren’t well known to create strong passphrases.
Tricks:
If you reuse passwords and someone guesses a password for one account, they can potentially use it to get into others. This practice has gotten even riskier over the last several years, due to the high number of corporate data breaches. With just one hack, cybercriminals can get their hands on thousands of passwords, which they can then use to try to access multiple accounts.
Tricks:
If just the thought of creating and managing complex passwords has you overwhelmed, outsource the work to a password manager! These are software programs that can create random and complex passwords for each of your accounts, and store them securely. This means you don’t have to remember your passwords – you can simply rely on the password manager to enter them when needed.
Tricks:
Now that you’ve made sure that your passwords are bulletproof, make sure you have comprehensive security software that can protect you from a wide variety of threats.
Tricks:
The post 5 Tips For Creating Bulletproof Passwords appeared first on McAfee Blog.
There’s a digital counterpart for nearly everything we do, which means more of our personal information is online. And although this tends to make our lives easier, it opens the door for information to land in the wrong hands. Identity theft happens when someone uses your personal identifiable information (PII) for their own monetary or personal gain. Sensitive data like credit card numbers and Social Security numbers can be incredibly valuable if it gets into the wrong hands.
The good news is that you can take steps to minimize the risk of identity theft. This article breaks down some of the most interesting fraud statistics and trends about identity theft in the United States and offers ways to protect your personal data from cybercriminals.
The number of identity theft cases reported to the Federal Trade Commission (FTC) has increased in the last five years. According to the FTC’s Consumer Sentinel Network (CSN) report, the number of reported cases more than doubled from 2019 to 2020.
One possible reason for this upward trend is the coronavirus pandemic. Congress passed legislation that included more than $5 trillion in various government benefits. This money was helpful to out-of-luck Americans, but it was also extremely attractive to scammers who used the opportunity to create fake identities and steal unemployment checks. In fact, the most common type of identity theft this past year was government documents and benefits fraud.
What else do the numbers say about the rise in identity theft? Let’s take a closer look:
These statistics only scratch the surface, though. Keep reading to learn more about the latest identity theft data and what you can do to protect your personal information.
Identity theft is a huge issue in the United States, and it doesn’t seem to be going away anytime soon. Fraud reports show that the number of identity thefts in the U.S. continues to grow and grow. The graph below shows the number of identity theft reports from the first quarter of 2017 to the first quarter of 2021.
The reported instances of identity theft have risen sharply from just over 100,000 in the first quarter of 2017 to well over 500,000 in the first quarter of 2021. 2020 had the sharpest increase in reports, as cybercriminals did their best to capitalize on the pandemic to take people’s government benefits.
Not every state is affected by ID theft equally. Where you live can have a big impact on your likelihood of experiencing identity theft. The graph below shows the amount of identity theft cases reported to the FTC per 100,000 residents for each state in the U.S.
With a closer look, the five states with the most identity theft reports include Georgia, Louisiana, Illinois, Kansas, and Rhode Island, which takes the top spot. The number of reports in Rhode Island more than doubled in 2021, from 1,191 in 2020 to 2,857.
At the other end of the spectrum, South Dakota remained the state with the lowest occurrence of identity theft, with only 76 residents per 100,000 experiencing it.
Here’s a list of the 20 metro cities where you have the highest chance of having your identity stolen.
Anyone can become the victim of identity theft, in large part because so much of our information is online. However, certain age groups are more likely to experience different types of scams.
For example, baby boomers are more likely than Generation Z to benefit from government programs. This makes them more susceptible to scams like benefits fraud (where a criminal poses as someone else to steal government benefits).
On the other hand, younger generations like millennials have grown up with the internet, and activities like shopping online are more frequent. This makes them more susceptible to identity theft through credit card fraud.
Here’s a breakdown of the most common identity theft types from various generations:
There are several different types of identity theft, ranging from stolen financial information to compromised health care data. Some forms are pretty straightforward. For instance, credit card fraud occurs when somebody steals your credit card number and uses it to buy things. Others, like medical identity theft, might be a bit harder to recognize.
Here’s a list of five of the most common types of identity theft:
Although these are five of the most common types of identity theft, they can serve as umbrella terms for more specific forms of fraud. The diagram below shows the number of reported fraud cases of these various types of identity theft In 2021.
While the internet has made our day-to-day lives more convenient, it’s also made it much easier for scammers to steal our personal information. Identity theft has become increasingly more common in the United States over the past five years.
The more you use the internet, the more opportunities scammers have to steal your data and sell it on places like the dark web. Social media platforms, e-commerce businesses, banking companies, and a host of other online businesses can store your information for a variety of reasons.
If you use the internet for online shopping, for instance, there’s a good chance a large number of databases stored your personal and financial data. While businesses use your information to give you a better online experience, scammers can also access it to steal your identity.
The graph below shows the growth of different types of identity theft from 2017 to 2021.
Criminals use many tricks to get your information. Scammers or hackers might send phishing emails pretending to be the IRS, snoop around social media pages for password clues, get info through a data breach, or simply buy information on the dark web.
Here are a few things you can do if you believe you are the victim of identity theft:
The internet makes our lives easier in many ways. Although identity theft is rising, you shouldn’t let online scams prevent you from enjoying these digital conveniences. Identity thieves are an unavoidable part of using the internet, but you can greatly limit your risk of falling victim to cybercrime if you know what to watch out for and you’re smart online.
Recognizing the signs of identity theft can help you stay ahead of fraudsters, and investing in McAfee Identity Protection services can offer another layer of protection. When you sign up for our identity protection services, you get perks like $1 million in identity theft protection insurance and email address and bank account monitoring. With our help, you can continue to use the internet with confidence.
The post A Guide to Identity Theft Statistics for 2022 appeared first on McAfee Blog.
Passwords: we entrust our most important data to these strings of letters, numbers, and special characters. So, we should make sure our passwords are words or phrases that we can easily remember, right? While this might be the most convenient option, there are more secure ways to digitally lock up your most sensitive personally identifiable information (PII). In celebration of World Password Day, we’re diving into how you can practice top-notch password security without compromising convenience.1
Over the years, the password has remained a good first line of defense against cyberattacks. However, most of us tend to choose passwords based on memorable things from our lives, like family names or our pets’ birthdays. As it turns out, these details are easy for hackers to find on social media sites like Facebook or LinkedIn. It’s also human nature to opt for convenience, and for many people that means setting easy-to-remember and easy-to-guess passwords. Plus, out of convenience, people often reuse passwords across multiple accounts and services. The downside is that if one account becomes compromised, all accounts become compromised.
As an alternative to single-word passwords, many security experts advocate for passphrases over passwords. Passphrases are longer strings of words and characters that are easier for you to remember and harder for nefarious software and cybercriminals to guess than random strings of upper and lowercase letters, numbers and symbols. But, according to a study, the average American internet user was projected to have 300 online accounts by 2022.2 Can you imagine memorizing 300 different passphrases? We can all agree that sounds pretty unrealistic, so users tend to look for other solutions.
If the answer is yes, you may want to reconsider, as there are several risks associated with this practice. Although it’s convenient to have your browser save your passwords, they tend to do a lousy job of safeguarding your passwords, credit card numbers and personal details, such as your name and address.
Let’s take Google Chrome, for example. Unlike most dedicated password managers, Chrome doesn’t use a primary password to encrypt all your credentials. (Note that some browsers do use one, and are therefore more secure, though you’ll still need to trust your browser provider.) This makes your Chrome-stored passwords relatively weak to “local” attacks. For example, if someone gets hold of—or guesses—your Windows password, they can then see all the logins stored in your browser’s password manager.
Another consideration to note is that the security of all your accounts is tied to your browser account’s security. Let’s say you use the sync option to make your credentials available on all your devices. This means that logins are stored in the cloud and, though encrypted, if someone manages to hack into your browser account, they will gain access to all your logins.
What can you do to help ensure your online profiles are kept safe without spending hours managing a complex list of passwords? Here are some easy ways to lock down your digital life without sacrificing convenience:
A password manager is a software application that stores your passwords and other sensitive information. You can install it on computers or mobile devices and store all passwords in an encrypted file (or database). The best option is to use a password manager like McAfee True Key to store and create strong, random passwords for each site you visit. You’ll have one primary password that grants access to the rest of them—ideally, a long and random passphrase that you can remember. Once everything is set up, it should be seamless. As you log in to new sites, the password manager will offer to save your credentials for later use.
One of the best ways to protect your accounts against unauthorized access is to turn on two-factor authentication for every site that offers it. Using two-factor authentication means a site will prompt you for a unique security code, in addition to your password, whenever you log in to an account for which you have enabled this feature.
Two-factor authentication adds an extra layer of security by requiring another form of identification after you enter your username and password. Some services send a temporary passcode over a text message. Others require the user to approve login attempts from new devices using an app. If someone steals your device or gains access to your account details, they’re out of luck unless they also have access to this second piece of information. Two-factor authentication is available on a wide range of websites and can help keep your accounts safe from would-be hackers, so you should always use it when available.
A VPN, or virtual private network, encrypts your data and masks your online behavior from snooping third parties. When you go to a website, your computer connects to the server where the site is hosted, and that website can see a certain amount of data about you and your computer. With a VPN, you connect to a private server first, which scrambles your data and makes it more difficult for digital eavesdroppers to track what you’re doing online.
VPNs can provide users with greater peace of mind when on the go. Say you’re traveling on a business trip and need to connect to the Wi-Fi network provided by your hotel. Shifty characters often lurk on unprotected, free networks (such as those provided by hotels, coffee shops, airports, etc.) to lift PII from people handling sensitive emails, making banking transactions, or shopping online. encrypts your online activity with bank-grade encryption to protect your data from prying eyes. With a premium paid plan, you can protect up to five devices at once and enjoy unlimited data protection.
With your growing number of accounts all requiring passwords—emails, social media profiles, online banking—it’s no wonder that people tend to reuse passwords across multiple sites. This may be convenient, but it creates significant security risks if a suspicious actor manages to obtain one of your passwords and attempts to use it elsewhere. That’s why having strong passwords matters.
Do yourself a favor and opt for a dedicated password manager that will auto-save and store your credentials for you, so you only have one password to remember. Who says security and simplicity can’t coexist?
The post This World Password Day, Here’s How a Password Manager Can Simplify Your Life appeared first on McAfee Blog.
So is your smart speaker really listening in on your conversations?
That’s the crux of a popular privacy topic. Namely, are we giving up some of our privacy in exchange for the convenience of a smart speaker that does our bidding with the sound of our voice? After all, you’re using it to do everything from search for music, order online, and control the lights and temperature in your home.
What is your smart speaker really hearing—and recording?
Let’s take a look at what’s going on inside of your smart speaker, how it processes your requests, and what companies do with the recordings and transcripts of your voice.
More or less, smart speakers are listening to all the time. Each smart speaker has its own “wake word” that it listens for, like Alexa, Siri, or Google. When the device hears that wake word or thinks it hears it, it begins recording and awaits your verbal commands. Unless you have the microphone or listening feature turned off, your device indeed actively listens for that wake word all the time.
Here’s where things get interesting, though. There’s a difference between “listening” and “recording.” The act of listening is passive. Your smart speaker is waiting to hear its name. That’s it. Once it does hear its name, it begins recording for a few seconds to record your command. From there, your spoken command goes into the company’s cloud for processing by way of an encrypted connection.
There are exceptions to when your command may go to the company’s cloud for processing, like Siri on iPhones, which according to Apple, “You don’t sign in with your Apple ID to use Siri, and the audio of your requests is processed entirely on your iPhone.” Also, Google Assistant may process some requests without going to the cloud, like “When a user triggers a smart home Action that has a local fulfillment path, Assistant sends the EXECUTE intent or QUERY intent to the Google Home or Google Nest device rather than the cloud fulfillment.”
In the cases where information does go to the cloud, processing entails a few things. First, it makes sure that the wake word was heard. If it’s determined that the wake word was indeed spoken (or something close enough to it—more on that in a minute), the speaker follows through on the request or command. Depending on your settings, that activity may get stored in your account history, whether as a voice recording, transcript, or both. If the wake word was not detected, processing ends at that point.
Enter the issue of mistaken wake words. While language models and processing technologies used by smart speakers are constantly evolving, there are occasions where a smart speaker acts as if a wake word was heard when it simply wasn’t said. Several studies on the topic have been published in recent years. In the case of research from Northeastern University, it was found that dialogue from popular television shows could be interpreted as wake words that trigger recording. For example, their findings cite:
“We then looked at other shows with a similarly high dialogue density (such as Gilmore Girls and The Office) and found that they also have a high number of activations, which suggests that the number of activations is at least in part related to the density of dialogue. However, we have also noticed that if we consider just the amount of dialogue (in a number of words), Narcos is the one that triggers the most activations, even if it has the lowest dialogue density.”
Of interest is not just the volume of dialogue, but the pronunciation of the dialogue:
“We investigated the actual dialogue that produced Narcos‘ activations and we have seen that it was mostly Spanish dialogue and poorly pronounced English dialogue. This suggests that, in general, words that are not pronounced clearly may lead to more unwanted activations.”
Research such as this suggests that smart speakers at the time had room for improvement when it comes to properly detect wake words, thus leading to parts of conversation being recorded without the owner intending it. If you own a smart speaker, I wouldn’t be too surprised to hear that you’ve had some issues like that from time to time yourself.
As mentioned above, the makers of smart speakers make constant improvements to their devices and services, which may include the review of commands from users to make sure they are interpreted correctly. There are typically two types of review—machine and human. As the names suggest, a machine review is a digital analysis and human reviews entail someone listening to and evaluating a recorded command or reading and evaluating a transcript of a written command.
However, several manufacturers let you exercise some control over that. In fact, you’ll find that they post a fair share of articles about this collection and review process, along with your choices for opting in or out as you wish:
The quickest way to ensure a more private experience with your smart speaker is to disable listening—or turn it off entirely. Depending on the device, you may be able to do this with the push of a button, a voice command, or some combination of the two. This will keep the device from listening for its wake word. Likewise, this makes your smart speaker unresponsive to voice commands until you enable them again. This approach works well if you decide there are certain stretches of the day where your smart speaker doesn’t need to be on call.
Yet let’s face it, the whole idea of a smart speaker is to have it on and ready to take your requests. For those stretches where you leave it on, there’s another step you can take to shore up your privacy.
In addition to making sure you’re opted out of the review process mentioned above, you can also delete your recordings associated with your voice commands.
Managing your voice history like this gives you yet one more way you can take control of your privacy. In many ways, it’s like deleting your search history from your browser. And when you consider just how much activity and how many queries your smart speaker may see over the course of days, weeks, and months, you can imagine just how much information that captures about you and your family. Some of it is undoubtedly personal. Deleting that history can help protect your privacy in the event that information ever gets breached or somehow ends up in the hands of a bad actor.
Lastly, above and beyond these privacy tips for your smart speakers, comprehensive online protection will help you look out for your privacy overall. In the case of ours, we provide a full range of privacy and device protection, along with identity theft protection that includes $1M identity theft coverage, identity monitoring, and identity restoration assistance from recovery pros—and antivirus too, of course. Together, they can make your time spent online far more secure.
You’re the smart one in this relationship
With privacy becoming an increasingly hot topic (rightfully so!), several companies have been taking steps to make the process of managing yours easier and a more prevalent part of their digital experience. As you can see, there are several ways you can take charge of how your smart speaker uses, and doesn’t use, your voice.
It used to be that many of these settings were tucked away deep in menus, rather than something companies would tout on web pages dedicated to privacy. So as far as smart speakers go, the information is out there, and I hope this article helps make the experience with yours more private and secure.
The post Smarter Homes & Gardens: Smart Speaker Privacy appeared first on McAfee Blog.
As an avid internet surfer, you’ve most likely heard of cookies. No, we’re not talking about the ones filled with chocolate chips. We’re talking about the ones that allow you to log in to your favorite websites. Cookies may impact your online security, so check out these tips to manage them and keep your online accounts safe.
Ever wonder how a website saves the items you placed in your shopping cart last week, even though you closed the tab before making the purchase? This is made possible by cookies. According to the Federal Trade Commission, a cookie is information saved by your web browser. When you visit a website, the site may place a cookie on your web browser so it can recognize your device in the future. If you return to that site later, it can read that cookie to remember you from your last visit, keeping track of your activities over time.1
Cookies come in either the first-party or third-party variety. There’s no difference between the two in how they function, but rather in where and how you encountered them. First-party cookies belong to sites you visited first-hand in your browser. Third-party cookies, or “tracking cookies,” generally come from third-party advertising websites.
Although cookies generally function the same, there are technically two different types of cookies. Magic cookies refer to packets of information that are sent and received without changes. Historically, this would be used to log in to a computer database system, such as an internal business network. This concept predates the modern cookie we use today.
HTTP cookies are a repurposed version of the magic cookie built for internet browsing and managing online experiences. HTTP cookies help web developers give you more personalized, convenient website experiences. They allow sites to remember you, your website logins, and shopping carts so you can pick back up where you left off from your last visit. However, cybercriminals can manipulate HTTP cookies to spy on your online activity and steal your personal information.
Cookie hijacking (also known as session hijacking) is typically initiated when a cybercriminal sends you a fake login page. If you click the fake link, the thief can steal the cookie and capture anything you type while on the fraudulent website. Like a phishing attack, cookie hijacking allows a cybercriminal to steal personal information like usernames, passwords, and other important data held within the cookie. If you enter your information while on the fake website, the criminal can then put that cookie in their browser and impersonate you online. They may even change your credentials, locking you out of your account.
Sometimes, criminals initiate cookie hijacking attacks without a fake link. If you’re browsing on an unsecured, public Wi-Fi connection, hackers can easily steal your data that’s traveling through the connection. This can happen even if the site is secure and your username and password are encrypted.
Because the data in cookies doesn’t change, cookies themselves aren’t harmful. They can’t infect computers with viruses or malware. But if your cookies are hijacked as part of a cyberattack, a criminal could gain access to your browsing history and use cookies as the key to enter your locked accounts. For example, a hacker may steal your identity or confidential company information, purchase items in your online shopping carts, or loot your bank account.
Preventing cookie hijacking attacks can allow you to browse the internet with greater peace of mind. Follow these tips to not only safeguard your personal information but to also enhance your browsing experience:
Make it a habit to clear your cookie cache regularly to prevent cookie overload, which could slow your search speeds. Also, almost every browser has the option to enable/disable cookies on your computer. So if you don’t want them at all, your browser’s support section can walk you through how to disable them.
Although it’s convenient to not have to re-type your credentials into a website you frequently visit, autofill features could make it easier for a criminal to extract your data with cookie hijacking. Plus, autofill is risky if your physical device falls into the wrong hands. To browse more securely without having to constantly reenter your passwords, use a password manager like McAfee True Key. True Key makes it so you only have to remember one master password, and it encrypts the rest in a vault protected by one of the most secure encryption algorithms available.
Strong, unique passwords for each of your accounts, updated regularly, offer ample protection against hackers. Multi-factor authentication (MFA) adds yet another layer of security by double-checking your identity beyond your username and password, usually with a texted or emailed code. When your accounts offer MFA, always opt in.
Criminals can hijack your cookies if you’re browsing on an unsecured, public Wi-Fi connection. To prevent a criminal from swiping your data, use a virtual private network (VPN), a service that protects your data and privacy online. A VPN creates an encrypted tunnel that makes you anonymous by masking your IP address while connecting to public Wi-Fi hotspots. This is a great way to shield your information from online spies while you’re banking, shopping, or handling any kind of sensitive information online.
McAfee LiveSafe is an antivirus solution that protects your computer and mobile devices from suspicious web cookies by:
The post What Are Browser Cookies and How Do I Manage Them? appeared first on McAfee Blog.
Outfitting your smart home could get a whole lot easier this year.
A new industry standard called Matter aims to remove a big barrier in smart home technology, one that makes different smart home devices compatible with any smart home platform—something that wasn’t possible until now.
For years, different smart home devices have run on several different competing platforms, such as Amazon Alexa, Apple HomeKit, Google Assistant, or Samsung SmartThings. And put plainly, those different platforms didn’t work with each other. And that was unfortunate. After all, the vision for the smart home was to run everything from lights, appliances, doorbell cameras, and all kinds of connected things in your home from a central set of controls, regardless of device manufacturer or platform.
But that hasn’t been the case, and this lack of compatibility created some headaches for homeowners. They’ve had to choose between one smart home platform over another and then only use smart devices built for that platform. For example, if you’re running a bunch of devices on Apple HomeKit and find a great deal on a new Samsung smart refrigerator with Alexa built-in, you’re pretty much out of luck if you want those devices to all work together as one in your smart home. The result is that consumers have had to check the fine print to see what’s compatible with what when shopping for smart devices. Again, a real headache.
Matter aims to take care of that. It’s hailed as a unifying technology that will make all those devices work together. Right now, the first wave of Matter-enabled devices is on track for a mid-year launch, which means we may finally see that vision of a smart home come true—a place where all your connected stuff works together with just the sound of your voice or a tap on your phone.
With that, let’s take a closer look at the new Matter protocol and what it offers, along with a look at security and privacy for smart home devices in general.
Without getting too technical about it, Matter is designed to create a more energy-efficient, secure, and reliable network for your smart home devices. Additionally, it’s designed to run independently of your internet connection, so if your internet goes out, you can still control your smart devices locally—from the app or device of your choice.
The tech industry looks like they’re very much on board. Matter is led by the Connectivity Standards Alliance, a body of more than 200 technology companies working together to create this new standard. And if you’re wondering Amazon, Apple, Google, and Samsung are among the many members of this alliance. If the launch goes as planned, you can expect to see Matter-enabled devices and the Matter logo on several new products by the middle of the year.
Additionally, several companies have announced that they will provide an upgrade path for existing products so that their existing customers don’t have to scrap their current smart home devices to take advantage of Matter.
In all, the idea is exciting. What remains to be seen is how security and privacy matters are handled, not only by the network but by the devices on it.
As far as security goes, Matter uses a combination of encryption and blockchain technology to secure transmitted data and ensure that only the devices you trust can use the network. Considering that you may be heating your home, warming up your oven, or even locking your front door, security features like these only make sense.
Yet looking beyond Matter and thinking about connected homes more broadly, there are a few question marks when it comes to privacy.
Imagine for a moment what a highly connected home might look like—and all the data those connections will generate. That data will show what time of day your front door tends to unlock and lock when family members go to and from work, school, or what have you. It’ll also show when you tend to turn on your lights, cook your dinner, or turn on the house alarm for the night.
Over time, all this data can piece together a picture of your comings and goings during a typical week. Shy of a bad actor physically casing out your home over several days, data like this simply hasn’t existed until the age of the connected home. If that data goes unprotected or if the devices creating it don’t give you some control over it, the privacy risks will run high.
Moreover, data privacy policies come into play here as well. As consumers like us are very much aware these days, not every company treats your data the same way. Some companies have different policies around what data they may collect and then what they do with that data—like cloud sites for other smart devices, government agencies, insurance companies, law enforcement, data aggregators, data banks, social media sites, and others according to findings published by some industry groups. In a smart home that’s kitted out with devices from five, seven, or even more different manufacturers, that are multiple privacy policies in play—each of which may view and treat your private data in their own way. That’s potentially volumes of your data circulating out there, potentially in ways you aren’t aware of or that give you any control over its use.
Of course, the issue of data privacy is nothing new and certainly not specific to smart devices. Already, the dozens of different apps and services we use as we go about our day have their own data privacy policies as well. Devices in a smart home only add to that mix, which is worth considering in our already highly connected lives.
As I write this, Matter has yet to be released. Yet if you already have some smart devices in your home, you may be wondering how to make your connected home safer. Let’s take a look at a few of the things you can do to protect your smart devices and the home network they’re running on.
Many smart home devices use a smartphone as a sort of remote control, not to mention as a place for gathering, storing, and sharing data. So whether you’re an Android owner or iOS owner, protect your smartphone so you can protect the things it accesses and controls—and the data stored on it too.
Early on when the first sets of smart home devices rolled out, some found themselves open to attack because they come with a default username and password, which hackers often publish on the internet as part of massive listings. (Baby monitors are a classic example.) And it remains an issue today. When you purchase any IoT device, set a fresh password using a strong method of password creation. Likewise, create an entirely new username for additional protection as well.
Another device that needs good password protection is your internet router. Make sure you use a strong and unique password there as well to help prevent hackers from breaking into your home network. (A password manager as part of comprehensive online protection can help.) Also, consider changing the same of your home network so that it doesn’t personally identify you. (I’ve seen some fun alternatives to using your name or address, everything from movie lines like “May the Wi-Fi be with you” to old sitcom references like “Central Perk.”) Also check that your router is using an encryption method, like WPA2, which will keep your signal secure. If you haven’t done this sort of thing before, check the documentation that came with your router or with the internet provider if you rent or purchased it from them.
Online banks, shops, and other services commonly offer multi-factor authentication to help protect your accounts—with the typical combination of your username, password, and a security code sent to another device you own (often a mobile phone). If your IoT device supports multi-factor authentication, consider using it there too. It throws a big barrier in the way hackers simply try and force their way in with a password/username combination, which will make your device tougher to crack.
In addition to fixing the odd bug or adding the occasional new feature, app and device updates often address security gaps. Out-of-date apps and devices may have flaws that hackers can exploit, so regular updating is a must from a security standpoint. If you can set your smart home apps and devices to receive automatic updates, even better.
Smart homes show plenty of promise. Seeing a new and broadly adopted industry standard like Matter on the horizon may make them even more promising. Ideally, Matter will make it easier for people to bring more smart devices in their homes, and in a way that’s reliable and secure. Moreover, there are steps you can take now to help keep your smart home devices, and smart home in general, more secure as well.
Yet when it comes to thinking about a home full of smart devices, questions around privacy remain. Smart home devices offered by different manufacturers will have different privacy policies and thus use people’s data in different ways, which puts consumers like us in a position to understand the terms, conditions, and implications of each one. Yet with data privacy being such a hot topic for consumers, the industry, and regulators already, it remains to be seen what consumer-friendly standards are set for data collection in the years to come—both in and out of the smart home.
The post Smarter Homes & Gardens: Protecting the Smart Devices in Your Home appeared first on McAfee Blog.
We’re excited to announce the release of McAfee’s Personal Data Cleanup, a new feature that finds and removes your personal info from data brokers and people search sites. Now, you can feel more confident by removing personal info from data broker sites and keeping it from being collected, sold, and used to: advertise products to you, fill your email box with spam, and can even give criminals the info they need to steal your identity. Let’s look at why we’re offering McAfee Personal Data Cleanup, how it protects your privacy, and why it’s a great addition to the online protection we already offer.
There’s so much to enjoy when you live a connected life – free email, online stores that remember what you like, social media that connects you to friends and influencers. It’s a world of convenience, opportunity, and incredible content. It’s also a world where your data is constantly collected.
That’s right, companies are collecting your personal data. They’re called data brokers and they make money by selling information that specifically identifies you, like an email address. They sell this information to marketers looking to target you with ads. Criminals can also use it to build profiles in service of stealing your identity and accessing your accounts. This activity takes place behind the scenes and often without consumers’ knowledge. There are also data brokers known as people search sites that compile and sell info like home addresses, emails, phones, court records, employment info, and more. These websites give identity thieves, hackers, stalkers, and other malicious actors easy access to your info. Regardless of how your data is being used, it’s clear that these days a more connected life often comes at the cost of your privacy.
In a recent survey of McAfee customers, we found that 59% have become more protective of their personal data over the past six months. And it’s no wonder. Over the past two years, trends like telehealth, remote working, and increased usage of online shopping and financial services have meant that more of your time is being spent online. Unsurprisingly, more personal data is being made available in the process. This leads us to the most alarming finding of our survey – 95% of consumers whose personal information ends up on data broker sites had it collected without their consent.
We created Personal Data Cleanup to make it easy for you to take back your privacy online. McAfee’s Personal Data Cleanup regularly scans the riskiest data broker sites for info like your home address, date of birth, and names of relatives. After showing where we found your data, you can either remove it yourself or we will work on your behalf to remove it. Here’s how it works:
Ready to take back your personal info online? Personal Data Cleanup is available immediately with most of our online protection plans. If you have an eligible subscription, you can start using this new feature through McAfee Protection Center, or you can get McAfee online protection here.
The post Introducing Personal Data Cleanup appeared first on McAfee Blog.
No one likes the feeling that someone is looking over their shoulder when they work, shop or surf online. But this is just what crooks and scammers do without our knowledge using “spyware.”
Spyware is a piece of software that can covertly gather information on you. It can track the websites you visit and even record what you type on your keyboard, including passwords and credit card numbers.
So, now the bad guys don’t have to steal your wallet to get access to your personal and financial information. All they need to do is trick you into installing spyware on your computer or device. Or they could install it themselves on public or shared computers using a USB drive, or similar device.
One of the more common forms of spyware found on shared computers is called a “keylogger.” It can record everything you type and send it back to the cybercrook. That’s why you should avoid using shared computers in hotels or public libraries, since they can be easily compromised.
Most spyware masquerades as legitimate software, such as free games or mobile apps. In fact, researchers believe that over three years, 1 million Google Play users downloaded a single piece of spyware alone. It appeared to be an official “System Update” application, but actually monitored the users’ location information and text messages without their knowledge.
Spyware can also easily spread online in the form of dangerous links in emails, and on social media or torrent sites, which offer free access to online content. That’s why you need to be careful where you click.
Another common form of spyware is called “adware.” Adware is used to display advertisements on your computer, or redirect your search inquiries to an advertiser’s website. Although this isn’t as harmful as spyware designed to steal your information, it is still invasive and annoying.
Since spyware is so prevalent and potentially harmful, putting both your private information and privacy at risk, it’s important that you take steps to protect yourself.
The post What is Spyware? appeared first on McAfee Blog.
You may hear corporate cybersecurity experts hail the benefits of a VPN, or a virtual private network, to keep company information safe from ransomware attacks and cybercriminals seeking to steal valuable business secrets. It’s unlikely that everyday people, such as yourself, will be targeted by a ransomware scheme, so you may be puzzled about how a VPN can help someone like you be safer online. Luckily, with a VPN being very easy to install and use, you can indeed experience these three everyday benefits to keep your browsing activities safe from eavesdroppers seeking to profit from your online comings and goings.
The most widely known benefit of a VPN for daily use is to safeguard your device when it’s connected to a public Wi-Fi network. Coffee shops, libraries, hotels, transportation hubs, and other public places often provide courtesy internet service to visitors. Shifty characters often lurk on unprotected networks to lift personally identifiable information (PII) from people handling sensitive emails, making banking transactions, or shopping online. Public Wi-Fi eavesdroppers can lift credit card numbers, addresses, birthdays, and Social Insurance Numbers.
When you connect to public Wi-Fi that doesn’t have a lock icon, that’s a sign that you should toggle on your VPN. Also, even if you’re required to enter a password, be wary of any network you share with strangers.
A VPN can also hide your location data. How does this help you protect your browsing history? First, when you scramble your location, you’re likely to confuse ad networks trying to send you targeted ads. This will free your social media feeds and search engines from targeted ads that often are so accurate they seem like an invasion of privacy.
Second, hiding your location can protect you from cybercriminals looking to mine PII. VPNs make it impossible for criminals to discover your IP address. (The internet protocol address is what ties your device to a specific local network.) When they’re visible, criminals can trace IP addresses to reveal home addresses, full names, and phone numbers: all of which are key pieces of PII that, in the wrong hands, can jeopardize your identity.
While Canada and the European Union don’t allow ISPs (internet service providers) to even collect the browsing data of their customers, keep in mind that in some countries, like the U.S., ISPs can collect, store, share, and/or sell customer data. While advertisers are often the buyers of customer data, in the case of a breach, the more places your PII lives, the more likely it may be involved in a security incident. The goal is to limit the extent and number of places where your browsing history is stored.
VPNs can scramble your online movements to the point where not even ISPs can track it. Plus, when you log out, your device doesn’t keep a record of what you did while connected to the VPN. Incognito mode on your internet browser hides your IP address, but the websites you visit still collect cookies and store data about your online whereabouts, meaning that it’s not truly private browsing.
McAfee Safe Connect VPN encrypts your online activity to protect your data from prying eyes. With a premium paid plan, you can protect up to five devices at once with bank-grade Wi-Fi encryption. Feel more confident whenever you hop on the internet across all your connected devices with just one quick and easy step.
The post Why Everyone Needs a VPN appeared first on McAfee Blog.
Quick mental math challenge: How many Apple Watches can you buy with $118 billion dollars? If you guessed around 296 million watches congrats, you’re smarter than the writer of this blog! We had to use a calculator. The point is that’s the predicted size of the US wearable market by 2028 according to a recent report. That means for as much wearable tech as we have in our lives already, even more, is on the way.
If you own a piece of wearable tech it’s easy to understand why it’s so popular. After all, it can track our fitness, provide contextual help in daily life, and, in the case of hearing aids, even do cool things like sync with Bluetooth. As VR and AR gains a foothold who knows what other incredible tech might be headed our way by 2028? However wearable tech also comes with certain risks. The most prominent: cybercriminals potentially gaining access to your data.
The weakest link in the wearables space is your mobile phone, not the actual wearable device itself. That’s because wearables tend to link to your mobile device over a short-range wireless spectrum known as “Bluetooth.” This spectrum is used to send and receive data between your wearable device and your mobile. That makes your mobile a prime target for hackers.
Most commonly, hackers gain access to the data on your mobile through malware-laden apps. These apps are oftentimes designed to look like popular apps, but with enough differences that they don’t flag copyright suspicion.
Hackers can use these malicious apps to do a variety of things from making phone calls without your permission, sending and receiving texts, and extracting personal information—all potentially without your knowledge. They can also, with the help of your wearable, track your location through GPS and record any health issues you’ve entered into your wearable. The point is: once they have permissions to your mobile device, they have a lot of control and a lot of resources.
The hacker can then use this data to conduct varying forms of fraud. Need a special prescription from your doctor that happens to sell well on the black market? Well, so does the hacker. Going out for a jog in the morning? Good information for a burglar to know. These personal details just scratch the surface of information available for the taking on your mobile devices.
These types of threats aren’t limited to wearables, however. The Internet of Things—the phenomenon of devices connected to the Internet for analysis and optimization—encompasses all sorts of other electronic devices such as washing machines and refrigerators that can put your data at risk as well. But these life-changing devices can be secured through education and industry standards. Two things we’re working on day and night.
Of course, securing the weakest link in your wearables environment, your phone will go a long way towards keeping your data safe. But what happens when your computer, where you store backups of your smartphone, is compromised too? We’ve got you covered with McAfee LiveSafe service, our comprehensive security solution that provides protection for your entire online life.
The post The Wearable Future Is Hackable. Here’s What You Need To Know appeared first on McAfee Blog.
Have you ever been online and replied to a comment or post? Maybe it was on Reddit or on an influencer’s Instagram. Did other people reply to you, and were any of them unexpectedly hostile? When you’re online, a little hostility is sadly par for the course, but most people brush it off and move on to enjoy other aspects of life online. But what would you do if that unpleasant interaction went much farther than was reasonable? What if one day you discovered the most important parts of your identity had been maliciously and intentionally revealed online? Let’s talk about doxxing – what it is and how you can avoid becoming a victim of this kind of harassment.
Doxxing, derived from the hacker term “dropping docs”, is internet slang for revealing someone’s identity online for the purposes of harassing them. It usually goes way beyond simply revealing someone’s email address or name and may involve personal information like a home address or workplace, SSN, financial information, phone number, pictures, texts, IP address, and other important details. The tricky thing about doxxing is that aspects of it may not be a crime, depending on what you’ve made publicly available online. However, the context in which doxxing occurs is crucial. Often it’s the first step taken to incite more severe harassment. For instance, the doxxer may not plan on taking action against their target but instead hope that someone else does. When put up against a recent Pew Research report showing that 41% of U.S. web users experience harassment in some form, it’s clear that Doxxing is a dangerous trend online.
Doxxing is a problem that’s grown in scope simply because there’s so much more data about us being kept online. Third-party services, called data brokers, capture our account info, the sites we visit, how long we spent on them, and other kinds of metadata to create profiles they then resell to advertisers. If someone gets access to these troves of data, they can reveal extremely damaging information about an individual, or data that allows a person to be damaged. For instance, with a phone number and a current address, some criminals were able to call in SWAT teams on innocent individuals. Political dissidents are often doxxed by the governments their protesting against. And on a lighter note, the adult website Ashley Madison, which promotes extramarital affairs, had their members’ data leaked online, to the embarrassment of a few public figures.
The response should be very similar to the one you’d take if your wallet was stolen. Move fast, stem the loss, and begin remediation as soon as possible. Here are some broad steps that can be taken.
Of course, not being doxxed in the first place is the ultimate goal of a proactive online protection plan. Here’s what we recommend:
Identity theft protection services help protect your data, monitor your online accounts like emails, SSNs, and more. In addition to online monitoring, they should also offer insurance and even theft remediation if the worst should occur.
Before you tag your location, friends, or workplace in a photo think about who has access to this information. What’s gained or lost by sharing all that info? Also, security questions for your accounts should not use the name of your pet or your first-born child if you have posted those on Facebook.
Public Wi-Fi networks at coffee shops and airports may not be secure against hackers and snooping. That’s why we recommend using a VPN whenever you’re connected online. This powerful tool hides your activity and location whenever you’re online on an unsecured network.
Googling yourself is a great way to see if anyone is using your online identity in bad ways.
Social networks allow you to control who can see your data. Usually, with a few clicks, you can restrict what you show online to a great degree. For instance, makes your payments viewable to other users as a default, but can easily be changed to hide them from the public.
Using long, complex, unique passwords for every account is convenient and maybe the best way to prevent your information from being stolen. Yes, we said convenient because with a password manager you only need to remember one key to create and manage much longer ones for all your most important accounts.
The reality is that the more we live online, the more our identities will too. This does not mean we need to live a restricted life online. In fact, using comprehensive online protection, which features most of the tools above, we can remain free to enjoy life on our terms. Doxxing is something to be aware of, but with great protection, it’s far from anything we need to be worried about as we make the most of our lives online.
The post Doxxing, The Internet, and How You Can Lock Down Your Data appeared first on McAfee Blog.
There’s millions of dollars to be made in social media. For scammers.
New data from the U.S. Federal Trade Commission (FTC) suggests that Americans lost nearly three-quarters of a billion dollars to social media fraud in 2021, signaling that social media may be the most profitable method of scamming victims—marking an 18-fold increase over 2017.
And that’s just cases of reported fraud.
Of the roughly 95,000 cases tallied in 2021, the actual number of reports and losses are arguably much higher because fraud victims infrequently report these crimes to the FTC or other agencies. Likewise, few take advantage of the FTC’s resources for recovering from fraud. Instead, they’ll share the sad news with family or friends if anyone at all.
Despite the rise of these online crimes, there are several things you can do to increase your awareness of social media fraud—what it looks like and how it’s pulled off—along with other ways you can prevent scammers from targeting you and the ones you care about.
Several types of social media fraud abound, yet the FTC reports that three types of scams prevail:
These often involve bogus sites that promote opportunities to mine or invest in cryptocurrencies. Rather than use these sites to trade in legitimate cryptocurrencies, scammers use these as a front to collect funds. The funds are never invested and never returned. Thanks to social media, scammers have a quick and easy way to drive victims to such bogus sites.
By starting up a chat through an unexpected friend request or a message that comes out of the blue, a scammer develops a budding romantic relationship with a victim—and eventually starts asking for money. Public social media profiles are particularly attractive to scammers because they’re loaded with information that scammers can use to win a victim’s confidence or heart.
Using ads on social media, scammers drive victims to phony online stores that will take people’s money but that don’t deliver the goods. They’re simply a way for scammers to harvest cash from unsuspecting shoppers. These sites may impersonate reputable brands and stores or they may sell bogus products altogether. Either way, victims pay and receive nothing in return.
Together, these three types of scams accounted for the overwhelming majority of losses and reports of social media fraud, which are broken down in detail as follows:
As illustrated, investment and romance scams may get reported less frequently, yet they are among the costliest scams going on social media. Meanwhile, online shopping scams on social media are far more common yet rake in fewer dollars overall.
For one, reach. Nearly half of the global population uses social media today. That translates into billions of people who can be made into potential victims. Secondly, social media provides the tools to reach those people through the otherwise legitimate services and features available to the people and businesses that use social media to connect.
In the case of investment and shopping scammers, the ad platforms are of particular use. For romance scammers, direct messaging and profile pages are potential avenues for fraud.
Scammers use the highly targeted ad platform that social media companies use to generate revenue. With millions of detailed user profiles in their data stores, social media companies put that data to work in their ad platforms allow businesses to create ads designed to reach specific age groups, hobbies and interests, past purchases, and so on. Just as easily, a scammer can use the same tools to cook up bogus ads for their bogus products, services, and sites at a relatively low cost.
For example, a scammer could target older females with an interest in investing. From there, the scammer could narrow down that target profile to those who live in areas of the country with a desired average income level, and who have shown interest in investment products before. The scammers would create an ad that takes them to phony website designed to entice that target group into purchasing a bogus product, service, or crypto. The FTC reports that the median loss for an online shopping scam in 2021 was $118, while online investment scams on social media racked up a median loss of $1,800 per victim. These stats make a strong case for sticking to reputable and established retailers and accredited financial services.
In the case of romance scammers on social media, the posts and personal profiles that form the heart of social media offer con artists a treasure trove. With a potential victim’s life a relatively open book, full of birthdays, events, interests, and activities for all to see, scammers have the hooks they need to form a phony romantic relationship online—or at least make the attempt at one.
For example, a scammer reaches out to a potential victim with a friend request. With the profile and posts this romance scammer has at hand, they can spin all manner of intriguing, yet utterly false tales designed to gain the victim’s trust. With that trust established, they can follow up with a similarly intriguing story about needing “a little help” to cover some “unexpected expenses,” often in the form of a gift card or reloadable debit card—sometimes stringing out a series of requests over time. According to the FTC, the median loss for this type of romance scam in 2021 was around $2,000 per victim.
People worldwide spend an average of 145 minutes a day on social media. And with users in the U.S. spending just over two hours on social media a day, that’s a great deal of potential exposure to scams.
Yet, whether you’re using Facebook, Instagram, TikTok, or whatnot, here are several things you can do that can help keep you safe and secure out there:
Passwords mark square one in your protection, with strong and unique passwords across all your accounts forming primary line of defense. Yet with all the accounts we have floating around, juggling dozens of strong and unique passwords can feel like a task—thus the temptation to use (and re-use) simpler passwords. Hackers love this because one password can be the key to several accounts. Instead, try a password manager that can create those passwords for you and safely store them as well. Comprehensive security software will include one.
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting, which can help protect your privacy and give a possible scammer much less material to work with.
Be critical of the invitations you receive. Out-and-out strangers could be more than just a stranger, they could be a fake account designed to gather information on users for purposes of fraud. There are plenty of fake accounts too. In fact, in Q3 of 2021 alone, Facebook took action on 1.8 billion fake accounts. Reject such requests.
We’re increasingly accustomed to the warnings about phishing emails, yet phishing attacks happen plenty on social media. The same rules apply. Don’t follow any links you get from strangers by way of instant or direct messages. And keep your personal information close. Don’t pass out your email, address, or other info as well. Even those so-called “quiz” posts and websites can be ruses designed to steal bits and pieces of personal info that can be used as the basis of an attack.
When you’re purchasing online, do some quick research on the company. How long have they been around? Have any complaints been recorded by your attorney general or local consumer protection agency? When you meet someone new, do a reverse image search on their profile pic to see where else it appears. Look up their name in search as well. If the results you find don’t match up with the person’s story, it may be a sign of a scam.
Online protection software can protect you from clicking on malicious links while on social media while steering you clear of other threats like viruses, ransomware, and phishing attacks. It can look out for you as well, by protecting your privacy and monitoring your email, SSN, bank accounts, credit cards, and other personal information. With identity theft a rather commonplace occurrence today, security software is really a must. Additionally, our online protection software can also provide you with an online Protection Score that shows you just how safe you are. From there, it calls out any weak spots and then walks you through the steps to shore it up with personalized guidance.
It’s unfortunate seeing a resource we’ve come to know and love over the past years get taken advantage of this way. Yet taking the steps outlined above can go a long way to prevent it from happening to you or someone you love.
One important note is to strongly consider filing a report if you believe you’ve been a victim of a social media scam. While some of the scammers behind these crimes are small-time operators, there are larger, almost business-like operations that conduct these crimes on a broader and sometimes international scale. So whether filing a report will help you recover some or all your losses, it can provide information to businesses and agencies that can help keep it from happening to others.
For more on online theft and fraud, and how you can spot and report it, check out our article on the topic. Doing so may help you, and someone else as well.
The post The Gold Rush of Fraud: Why Scammers Have Flocked to Social Media appeared first on McAfee Blog.
For years now, the popularity of online dating has been on the rise—and so have the number of online romance scams that leave people with broken hearts and empty wallets.
According to the U.S. Federal Trade Commission (FTC), the reported costs of online romance scams jumped 50% from 2019 to 2020, to the tune of $304 million. And that’s not entirely because 2020 was a pandemic year. From 2016 to 2020, the volume of reported cases tripled, while reported losses nearly quadrupled. Over that period, online romance scams are not only becoming more common, but they’re also becoming more costly.
Dating and romance scams aren’t limited to online dating apps and sites, they’ll happen on social media and in online games as well. However, the FTC reports that the scam usually starts the same way, typically through an unexpected friend request or a message that comes out of the blue.
With that initial introduction made, a chat begins, and a friendship (or more) blossoms from there. Along the way, the scammer will often rely on a mix of somewhat exotic yet believable storytelling to lure the victim in, often involving their job and where they’re working. Reports say that scammers will talk of being workers on an offshore oil rig, members of the military stationed overseas, doctors working with an international organization, or working in the sort of jobs that would prevent them from otherwise easily meeting up in person.
With the phony relationship established, the scammer starts asking for money. The FTC reports that they’ll ask for money for several bogus reasons, usually revolving around some sort of hardship where they need a “little help” so that they can pay:
The list goes on, yet that’s the general gist. Scammers often employ a story with an intriguing complication that seems just reasonable enough, one where the romance scammer makes it sound like they could really use the victim’s financial help.
People who have filed fraud reports say they’ve paid their scammer in a few typical ways.
One is by wiring money, often through a wire transfer company. The benefit of this route, for the scammer anyway, is that this is as good as forking over cash. Once it’s gone, it’s gone. The victim lacks the protections they have with other payment forms, such as a credit card that allows the holder to cancel or contest a charge.
Another way is through gift cards. Scammers of all stripes, not just romance scammers, like these because they effectively work like cash, whether it’s a gift card for a major online retailer or a chain of brick-and-mortar stores. Like a wire transfer, once that gift card is handed over, the money on it is highly difficult to recover, if at all.
One more common payment is through reloadable debit cards. A scammer may make an initial request for such a card and then make several follow-on requests to load it up again.
In all, a romance scammer will typically look for the easiest payment method that’s the most difficult to contest or reimburse, leaving the victim in a financial lurch once the scam ends.
When it comes to meeting new people online, the FTC suggests the following:
Scammers, although arguably heartless, are still human. They make mistakes. The stories they concoct are just that. Stories. They may jumble their details, get their times and dates all wrong, or simply get caught in an apparent lie. Also, keep in mind that some scammers may be working with several victims at once, which is yet another opportunity for them to get confused and slip up.
As mentioned above, some romance scammers troll social media and reach out through a direct message or friend request. With that, there are three things you can do to cut down your chances of getting caught up with a scammer:
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting, which can help protect your privacy and give a romance scammer less information to exploit.
Be critical of the invitations you receive. Out-and-out strangers could be more than a romance scammer, they could be a fake account designed to gather information on users for purposes of cybercrime, or they can be an account designed to spread false information. There are plenty of them too. In fact, in Q3 of 2021 alone, Facebook took action on 1.8 billion fake accounts. Reject such requests.
Security software can protect you from clicking on malicious links that a scammer may send you online, while also steering you clear of other threats like viruses, ransomware, and phishing attacks in general. It can look out for your personal information as well, by protecting your privacy and monitoring your email, SSN, bank accounts, credit cards, and other info that a scammer or identity thief may put to use. With identity theft a rather commonplace occurrence today, security software is really a must.
If you suspect that you’re being scammed, put an end to the relationship and report it, as difficult as that may feel.
Notify the FTC at ReportFraud.ftc.gov for support and next steps to help you recover financially as much as possible. Likewise, notify the social media site, app, or service where the scam occurred as well. In some cases, you may want to file a police report, which we cover in our broader article on identity theft and fraud.
If you sent funds via a gift card, the FTC suggests filing a claim with the company as soon as possible. They offer further advice on filing a claim here, along with a list of contact numbers for gift card brands that scammers commonly use.
Lastly, go easy on yourself. If you find yourself a victim of online dating or romance fraud, know that you won’t be the first or last person to be taken advantage of this way. By reporting your case, you in fact may help others from falling victim too.
The post Phony Valentines: Online Dating Scams and How to Spot Them appeared first on McAfee Blog.
When you logged on to your computer this morning, data privacy probably wasn’t the first thing you were thinking about. The same goes for when you opened your phone to catch up on social media and check emails, turned on your smart TV for a family movie night, or all the other ways we routinely use our connected devices in our everyday lives.
Although we live in an increasingly connected world, most of us give little thought to data privacy until after our personal information has been compromised. However, we can take proactive steps to help ourselves and our loved ones navigate this environment in a safe way. On January 28th – better known as Data Privacy Day – we have the perfect opportunity to own our privacy by taking the time to safeguard data. By making data privacy a priority, you and your family can enjoy the freedom of living your connected lives online knowing that your information is safe and sound.
Did you know that there is a difference between data security and data privacy? Although the two are intimately intertwined, there are various characteristics of each that make them different. National Today3 provides a useful analogy to define the two:
At this point, we already know not to share our passwords or PIN numbers with anyone. But what about the data that is collected by companies every time we sign up for an email newsletter or make an online account? Oftentimes, we trust these companies to guard the personal data they collect from us in exchange for the right to use their products and services. However, the personal information collected by companies today is not regarded as private by default, with a few exceptions. For this reason, it’s up to us to take our data privacy into our own hands.
Because we spend so much of our day online, plenty of our information is available on the internet. But what happens if one of your favorite online retailers experiences a data breach? This is the reality of the world we live in today, as data breaches have been on the rise and hackers are continuously finding clever, new ways to access our devices and information.
Thanks to the COVID-19 pandemic, we’ve become more reliant on technology than ever before. Whether it be for distance learning, online shopping, mobile banking, or remote work, we’ve all depended on our devices and the internet to stay connected. But with more time online comes more opportunities for cybercriminals to exploit. For example, with the massive increase in remote work since the onset of the pandemic, hackers have hijacked online meetings through a technique called ‘Zoombombing4.’ This occurred after the online conferencing company shared personal data with Facebook, Google, and LinkedIn. Additionally, the number of patient records breached in the healthcare industry jumped to 21.3 million in the second half of 2020 due to the increase in remote interactions between patients and their providers5.
When it comes to data breaches, any business is a potential target because practically every business is online in some way. When you put this in perspective, it’s important to consider what information is being held by the companies that you buy from. While a gaming service will likely have different information about you than your insurance company, you should remember that all data has value, and you should take steps to protect it like you would money.
Your browsing history and personal information are private, and we at McAfee want to keep it that way. By using McAfee Secure VPN, you can browse confidently knowing that your data is encrypted.
To further take control of your data privacy, monitor the health of your online protection with McAfee’s Protection Score. This tool provides simple steps to improve your security and allows you to know how safe you are online, which is the first step towards a safer, more confident connected life. Check your personal protection score here.
Here are a few more tips to keep you on top of your data privacy game:
1. Update your privacy and security settings. Begin with the websites and apps that you use the most. Check to see if your accounts are marked as private, or if they are open to the public. Also, look to see if your data is being leaked to third parties. You want to select the most secure settings available, while still being able to use these tools correctly.
2. Lock down your logins. Secure your logins by making sure that you are creating long and unique passphrases for all your accounts. Use multi-factor identification, when available.
3. Protect your family and friends. You can make a big difference by encouraging your loved ones to protect their online privacy. By helping others create solid safety habits as they build their digital footprints, it makes all of us more secure.
Follow the conversation this Data Privacy Day by following #PrivacyAware and #DataPrivacyDay on social media.
The post It’s Data Privacy Day: Here’s How to Stay Protected in 2022 appeared first on McAfee Blog.
Social media is part of our social fabric. So much so that nearly 50% of the global population are social media users to some degree or other. With all that sharing, conversing, and information passing between family and friends, social media can be a distinct digital extension of ourselves—making it important to know how you can protect your social media accounts from hacks and attacks.
Beyond the sheer number of people who’re on social media, there’s also the amount of time we spend on it. People worldwide spend an average of 145 minutes a day on social media. With users in the U.S. spending just over two hours on social media a day and users in the Philippines spending nearly four hours a day, that figure can vary widely. Yet it’s safe to say that a good portion of our day features time scrolling and thumbing through our social media feeds.
Given how much we enjoy and rely on social media, now’s a fine time to give your social media settings and habits a closer look so that you can get the most out of it with less fuss and worry. Whether you’re using Facebook, Instagram, TikTok, or whatnot, here are several things you can do that can help keep you safe and secure out there:
Passwords mark square one in your protection, with strong and unique passwords across all your accounts forming primary line of defense. Yet with all the accounts we have floating around, juggling dozens of strong and unique passwords can feel like a task—thus the temptation to use (and re-use) simpler passwords. Hackers love this because one password can be the key to several accounts. Instead, try a password manager that can create those passwords for you and safely store them as well. Comprehensive security software will include one.
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting, which can help protect your privacy.
Be critical of the invitations you receive. Out-and-out strangers could be more than just a stranger, they could be a fake account designed to gather information on users for purposes of cybercrime, or they can be an account designed to spread false information. There are plenty of them too. In fact, in Q3 of 2021 alone, Facebook took action on 1.8 billion fake accounts. Reject such requests.
Nothing says “there’s nobody at home right now” like that post of you on vacation or sharing your location while you’re out on the town. In effect, such posts announce your whereabouts to a broad audience of followers (even a global audience, if you’re not posting privately, as called out above). Consider sharing photos and stories of your adventures once you’ve returned.
It’s a famous saying for a reason. Whether your profile is set to private or if you are using an app with “disappearing” messages and posts (like Snapchat), what you post can indeed be saved and shared again. It’s as simple as taking a screenshot. If you don’t want it out there, forever or otherwise, simply don’t post it.
We’re increasingly accustomed to the warnings about phishing emails, yet phishing attacks happen plenty on social media. The same rules apply. Don’t follow any links you get from strangers by way of instant or direct messengers. And keep your personal information close. Don’t pass out your email, address, or other info as well. Even those so-called “quiz” posts and websites can be ruses designed to steal bits and pieces of personal info that can be used as the basis of an attack.
Sadly, social media can also be a place where people pull a fast one. Get-rich-quick schemes, romance cons, and all kinds of imposters can set up shop in ads, posts, and even direct messages—typically designed to separate you from your personal information, money, or both. This is an entire topic to itself, and you can learn plenty more about quizzes and other identity theft scams to avoid on social media.
Some platforms such as Facebook allow users to review posts that are tagged with their profile names. Check your account settings and give yourself the highest degree of control over how and where your tags are used by others. This will help keep you aware of where you’re being mentioned by others and in what way.
Security software can protect you from clicking on malicious links while on social media while steering you clear of other threats like viruses, ransomware, and phishing attacks. It can look out for you as well, by protecting your privacy and monitoring your email, SSN, bank accounts, credit cards, and other personal information. With identity theft a rather commonplace occurrence today, security software is really a must.
Now you can point to a number that shows you just how safe you are with our Protection Score. It’s an industry first, and it works by taking stock of your overall security and grading it on a scale of 0 to 1,000. From there, it calls out any weak spots and then walks you through the steps to shore it up with personalized guidance. This way, you’re always in the know about your security, privacy, and personal identity on social media and practically wherever else your travels take you online.
The post How to Protect Your Social Media Accounts appeared first on McAfee Blog.
We live online these days, sharing everything from vacation pictures to what we eat for breakfast on the internet. The internet is also useful for daily activities, like buying groceries or paying bills.
While it’s convenient to connect with people and complete tasks online, cybercriminals are eager to use the internet to steal financial or personal data for their personal gain — otherwise known as identity theft. This is a criminal act and can affect your credit score in a negative way and cost money to fix. It can also affect employment opportunities since some employers conduct a credit check on top of drug testing and a criminal history check. Identity theft victims may even experience an impact to their mental health as they work to resolve their case.
The good news is that being able to recognize the signs of identity theft means you can act quickly to intervene and minimize any effects in case it happens to you. You can also protect yourself by using preventive measures and engaging in smart online behavior. This article provides essential information about identity theft, giving you the tools you need to become an empowered internet user and live your best life online.
The internet is a great place to be, but identity thieves hope to catch you off-guard and seek access to your personal information for their benefit. This could include private details like your birth date, bank account information, Social Security number, home address, and more. With data like this, an individual can adopt your identity (or even create a fake identity using pieces of your personal profile) and apply for loans, credit cards, debit cards, and more.
You don’t have to be kept in the dark, though. There are several signs that your identity has been stolen, from a change in your credit score to receiving unfamiliar bills and debt collectors calling about unfamiliar new accounts. If you suspect that you’ve been affected by identity fraud, you can act fast to minimize what happens. Here’s what to do.
Start by contacting law enforcement to file a report. Your local police department can issue a formal report, which you may need to get your bank or other financial institution to reverse fraudulent charges. An official report assures the bank that you have been affected by identity fraud and it’s not a scam.
Before going to the police, gather all the relevant information about what happened. This could include the dates and times of fraudulent activity and any account numbers affected. Bringing copies of your bank statements can be useful. Also, make note of any suspicious activity that could be related. For example, was your debit card recently lost or your email hacked? The police will want to know.
You should also notify any businesses linked to your identity theft case. Depending on the type of identity theft, this could include banks, credit card companies, medical offices, health insurers, e-commerce stores, and more. For example, if someone used your credit card to make purchases on Amazon, alert the retailer.
Medical identity theft is another good example. In this case, a fraudster may assume your identity to gain access to health care services, such as medical checkups, prescription drugs, or pricey medical devices like wheelchairs. If someone uses your health insurance to get prescription drugs from a pharmacy, for instance, make sure to alert the pharmacy and your insurer.
The Federal Trade Commission (FTC) is a government body that protects consumer interests. You can report identity theft via their portal, IdentityTheft.gov. They’ll then use the details you provide to create a free recovery plan you can use to address the effects of identity theft, like contacting the major credit bureaus or alerting the Internal Revenue Service (IRS) fraud department. You can report your case online or by calling 1-877-438-4338.
A common consequence of identity theft is a dip in the victim’s credit score. For example, a cybercriminal may take out new lines of credit in the victim’s name, accrue credit card debt, and then not pay the balance. For this reason, contacting the credit monitoring bureaus is one of the most important steps to take in identity theft cases.
There are three main agencies: TransUnion, Equifax, and Experian. You can get a free credit report from each agency every 12 months via AnnualCreditReport.com. Check the report and note all fraudulent activity or false information and flag it with the relevant bureau’s fraud department. You should also initiate a fraud alert with each agency.
A fraud alert requires any creditors to verify your identity before opening a new line of credit. This adds an extra layer of security. An initial fraud alert lasts for 90 days. Once this expires, you can prolong your protection via an extended fraud alert, which will remain valid for seven years. You can notify one of the big three bureaus to set it up. They are then required to notify the other two bureaus.
A credit freeze is another smart move, which you can do through each of the three major credit bureaus. You can either call them or start the process online. This prevents people from accessing your credit report. Lenders, creditors, retailers, landlords, and others may want to see your credit as proof of financial stability. For example, if someone tries to open a phone contract under your name, the retailer may check the credit report. If there is a credit freeze in place, they won’t be able to view it and won’t issue the contract. If you need to allow someone access to your credit report, you can temporarily lift the freeze.
Identity theft is often linked with leaked or hacked passwords. Even if you aren’t sure whether your passwords have been compromised, it’s best to play it safe. Change passwords to any affected accounts. Make sure to use strong passwords with a mix of numbers, letters, and symbols. Further, if there’s a chance to activate two-factor authentication on your accounts, this can provide added protection going forward.
Ideally, you’ll never become the victim of identity theft, but things can happen. Cybercriminals work hard, but you can stay one step ahead by taking a few preventative measures. These include:
You can further protect yourself with antivirus software like McAfee’s Total Protection plan. This can help protect your devices against spyware and viruses. You can also enhance your network security with a firewall and virtual private network (VPN). A firewall controls traffic on your internet network based on predefined security parameters, while a VPN hides your IP address and other personal data.
Don’t let concerns about identity fraud keep you from enjoying all the conveniences and perks the internet offers. McAfee’s identity theft protection services can help you stay connected while keeping you safe. Tailor your package to your household’s needs to get the safeguards you want, like ID theft coverage, VPN, and 24/7 monitoring. Our Total Protection plan also comes with $1 million in identity theft coverage to cover qualifying losses and hands-on support to help you reclaim your identity.
With McAfee by your side, you can stay online confidently.
The post What to Do If Your Identity Has Been Stolen appeared first on McAfee Blog.
If there’s a particularly clear picture that’s developed over the past couple of years, it’s that our privacy and our personal identities are worth looking out for. With that, we have your back. And here’s why.
In the U.S., reported cases of identity theft continue to rise. In the first half of 2022, the Federal Trade Commission (FTC) reported more than 600,000 cases of identity theft, with more than 230,000 of those reported cases involving credit card theft.
And that’s just what’s been reported in the U.S. Far more crime goes unreported, and it is estimated that the cost of identity theft and fraud goes well into the billions of dollars.
Yet behind each stat is a person, a family, and a household that dealt with anything from a financial headache to a major life event no thanks to identity theft and fraud. Accordingly, we’re seeing to it that every person has the tools to prevent this from happening to them.
Here’s a little bit about our approach. We looked at some of the key areas where people’s private information can be vulnerable and rolled out a set of features and services that can help make you safer than before. They’re all part of McAfee+, our latest line of comprehensive online protection. Depending on your plan and location, the following offer protections that can look after you, your privacy, and your identity—along with your devices and the things on them too.
Unsecured networks can leave us vulnerable, like when we use public Wi-Fi. What’s at issue is that a cybercriminal can potentially capture your login credentials and other personal information as you use a public network in a hotel, airport, coffee shop, library, and so forth.
So, we made sure to include a Virtual Private Network (VPN) to keep your information protected from prying eyes. It does this easily by detecting when you’re on a public network and automatically turning on your VPN. The VPN then scrambles or encrypts, your data as it flows over the network. Unlike some VPNs that require advanced settings to shield your data, our app offers seamless security.
Given that data breaches large and small continue to occur with more regularity than any of us would like, always-on monitoring of your private information is key.
Whether one of your personal accounts is hacked–or worse–another website somehow gets ahold of your data and subsequently gets breached, your data may end up on the dark web. This is where cybercriminals buy and sell information.
To detect these dangerous leaks, we included dark web monitoring, which alerts you if your log-in credentials have been exposed. It can even provide you with a link to the site that uses those credentials when the information is available. This allows you to swiftly reset your passwords, mitigating the risk.
We’ll scan some of the riskiest data broker sites and show you which ones are selling your personal info. We’ll also provide guidance on how you can remove your data from those sites and with select products, we can even manage the removal for you.
Recovering from identity fraud or theft can be expensive. Not to mention time consuming. We’ll help relieve the burden with $1M coverage for lawyer fees, travel expenses, lost wages, and more.
Should the unfortunate happen to you, we have your back. In several ways. We offer licensed recovery experts who can work with you any time, around the clock, all year long. These pros can use a limited power of attorney to do the heavy lifting for identity recovery, taking all necessary steps to repair identity and credit.
Our all-new ransomware coverage is now available, ready to help just in case—all backed by expert advice to help you find the quickest and best possible path to recovery. In addition to eligibility for up to $25,000 in reimbursement due to ransomware losses, our team of experts can help you, determine the severity of a ransomware attack and learn what immediate action steps you can take.
Knowing your safe and staying that way just got far simpler. With a colorful view, you can see exactly what your Protection Score is at a glance, which compiles your overall levels of security, privacy, and identity theft protection. Better yet, if it spots gaps in your protection, it guides you through straightforward fixes that can make you safer than before.
It’s an industry first, and something we all deserve—the ability to clearly see exactly how secure you are and to quickly shore up your protection whenever it’s needed.
Everyone has credit, and everyone needs to protect it. McAfee’s Credit Monitoring does just that. Whether the suspicious change in your report is big or small, we can help you detect it—and take the right steps to correct it.
You can put proactive protection in place by stopping unauthorized access to existing credit card, bank, and utility accounts or from new ones being opened in your name. Security freezes stop companies from looking at your credit profile, which halts the application process for loans, credit cards, utilities, new bank accounts, and more. A security freeze won’t affect your credit score.
Also on our list, we wanted to make personal protection easy to use and available across all your compatible devices. So, whether you’re out with just your phone, or at home working at your PC, you have access to your protection, and can even pick up where you left off on a different device.
Ultimately, that’s what any of us want—to enjoy the internet with confidence, knowing that whatever it is we’re doing online is secure.
The way we use the internet continues to evolve. After all, it wasn’t long ago that the idea of using a phone to see who’s at the front door may have seemed a bit odd. Let alone having a little chat with the speaker on your kitchen counter. Yet that’s where we are today. And as the internet evolves, so will we. The protection we offer will cover your increasingly connected life in whatever shape that takes.
No question about it. We’re committed to protecting you, your privacy, your identity, and certainly your devices too—and making all of it simple.
Here’s to a happy and secure year!
The post Protecting Your Privacy This Year appeared first on McAfee Blog.
It happens with more regularity than any of us like to see. There’s either a headline in your news feed or an email from a website or service you have an account with—there’s been a data breach. So what do you do when you find out that you and your information may have been caught up in a data breach? While it can feel like things are out of your hands, there are actually several things you can do to protect yourself.
Let’s start with a look at what kind of information may be at stake and why crooks value that information so much (it’s more reasons than you may think).
The fact is that plenty of our information is out there on the internet, simply because we go about so much of our day online, whether that involves shopping, banking, getting results from our doctors, or simply hopping online to play a game once in a while.
Naturally, that means the data in any given breach will vary from service to service and platform to platform involved. Certainly, a gaming service will certainly have different information about you than your insurance company. Yet broadly speaking, there’s a broad range of information about you stored in various places, which could include:
As to what gets exposed and when you might find out about it, that can vary greatly as well. One industry research report found that 60% of breaches were discovered in just days from the initial attack while others could take months or even longer to detect. Needless to say, the timeline can get rather stretched before word reaches you, which is a good reason to change your passwords regularly should any of them get swept up in a breach. (An outdated password does a hacker no good—more on that in a bit.)
The answer is plenty. In all, personal information like that listed above has a dollar value to it. In a way, your data and information are a kind of currency because they’re tied to everything from your bank accounts, investments, insurance payments—even tax returns and personal identification like driver’s licenses.
With this information in hand, a crook can commit several types of identity crime—ranging from fraud to theft. In the case of fraud, that could include running up a bill on one of your credits cards or draining one of your bank accounts. In the case of theft, that could see crooks impersonate you so they can open new accounts or services in your name. Beyond that, they may attempt to claim your tax refund or potentially get ID issued in your name as well.
Another possibility is that a hacker will simply sell that information on the dark marketplace, perhaps in large clumps or as individual pieces of information that go for a few dollars each. However it gets sold, these dark-market practices allow other fraudsters and thieves to take advantage of your identity for financial or other gains.
Most breaches are financially motivated, with some researchers saying nearly 90% of breaches are about the money. However, we’ve also seen hackers simply dump stolen information out there for practically anyone to see. The motivations behind them vary, yet could involve anything from damaging the reputation of an organization to cases of revenge.
A list of big data breaches is a blog article of its own, yet here’s a quick list of some of the largest and most impactful breaches we’ve seen in recent years:
Needless to say, it’s not just the big companies that get hit. Healthcare facilities have seen their data breached, along with the operations of popular restaurants. Small businesses find themselves in the crosshairs as well, with one report stating that 43% of data leaks target small businesses. Those may come by way of an attack on where those businesses store their records, a disgruntled employee, or by way of a compromised point-of-sale terminal in their store, office, or location.
In short, when it comes to data breaches, practically any business is a potential target because practically every business is online in some form or fashion. Even if it’s by way of a simple point-of-sale machine.
When a business, service, or organization falls victim to a breach, it doesn’t always mean that you’re automatically a victim too. Your information may not have been caught up in it. However, it’s best to act as if it was. With that, we strongly suggest you take these immediate steps.
Given the possibility that your password may be in the hands of a hacker, change it right away. Strong, unique passwords offer one of your best defenses against hackers. Update them regularly as well. As mentioned above, this can protect you in the event a breach occurs and you don’t find out about it until well after it’s happened. You can spare yourself the upkeep that involves a password manager that can keep on top of it all for you. If your account offers two-factor authentication as part of the login process, make use of it as it adds another layer of security that makes hacking tougher.
If you spot unusual or unfamiliar charges or transactions in your account, bank, or debit card statements, follow up immediately. That could indicate improper use. In general, banks, credit card companies, and many businesses have countermeasures to deal with fraud, along with customer support teams that can help you file a claim if needed.
If you haven’t done so already, consider signing up for a service that can monitor dozens of types of personal information and then alert you if any of them are possibly being misused. Identity protection such as ours gives you the added benefit of a professional recovery specialist who can assist with restoring your affairs in the wake of fraud or theft, plus up to $1 million in insurance coverage.
Our advice is to take a deep breath and get to work. By acting quickly, you can potentially minimize and even prevent any damage that’s done. With that, we have two articles that can help guide the way if you think you’re the victim of identity theft, each featuring a series of straightforward steps you can take to set matters right:
Again, if you have any concerns. Take action. The first steps take only minutes. Even if the result is that you find out all’s well, you’ll have that assurance and you’ll have it rather quickly.
The post What to Do If You’re Caught Up in a Data Breach appeared first on McAfee Blog.
What’s the difference between identity fraud and identity theft? Well, it’s subtle, so much so that it’s easy to use them nearly interchangeably. While both can take a bite out of your wallet, they are different—and knowing the differences can help you know understand what’s at stake.
Let’s start with an overview and a few examples of each.
So there’s that subtle difference we mentioned. Identity fraud involves misuse of an existing account. Identity theft means the theft of your personal information, which is then used to impersonate you in some way, such as opening new accounts in your name.
Above and beyond those definitions and examples, a couple of real-life examples put the differences in perspective as well.
As for identity fraud, individual cases of fraud don’t always make the headlines, but that’s not to say you won’t hear about it a couple of different ways.
The first way may be news stories about data breaches, where hackers gain things like names, emails, and payment information from companies or organizations. (Chipotle, RobinHood, and T-Mobile being recent examples.) That info can then end up in the hands of a fraudster, who then accesses those accounts to drain funds or make purchases.
On a smaller scale, you may know someone who has had to get a new credit or debit card because theirs was compromised, perhaps by a breach or by mistakenly making a payment through an insecure website or by visiting a phony login page as part of a phishing attack. These can lead to fraud as well.
Identity theft took on new forms during the pandemic, such as was the case of a Rhode Island man charged with nearly half a million dollars in a pandemic unemployment fraud case. Authorities allege that the man-made 85 unemployment claims in 2020 using the identities of several other people.
Similarly, a Massachusetts man was sentenced for filing fraudulent claims for relief funds, as well as open store credit accounts using fake identities. Court proceedings alleged that the personal information used to commit this fraud came from several sources, including information stolen from a realty company that collected that information from potential renters.
Identity theft can stem from the workplace as well, such as the sentencing of a Maryland man who used stolen lists of personal information from his former employer. From there, he was found guilty of garnering more than a million dollars in funds from food assistance programs and fraudulent car loans.
Identity theft can run far deeper than these examples. Because it effectively allows someone else to pose as you, an identity thief can do more than drain your accounts. They can also claim health insurance benefits, file taxes in your name, or possibly purchase the property. Further, an identity thief can potentially get a job, driver’s license, or other forms of ID in your name, which could ruin your credit history, reputation, or even create a police record in your name.
So while both identity fraud and identity theft are certainly something you want to prevent, identity theft holds the potential to affect far-reaching aspects of your life—which marks a distinct difference between the two.
It usually starts with someone saying anything from, “That’s strange …” to “Oh, no!” There’ll be a strange charge on your credit card bill, a piece of mail from a bill collector, or a statement from an account you never opened—just to name a few things.
With that, I have a few recent blogs that help you spot all kinds of identity crime, along with advice to help keep it from happening to you in the first place:
While there are differences between identity fraud and identity theft, they do share a couple of things in common: you can take steps to prevent them, and you can take steps to limit their impact should you find yourself faced with one or the other.
The articles called out above will give you the details, yet staying safe begins with vigilance. Check on your accounts and credit reports regularly and really scrutinize what’s happening in them. Consider covering yourself with an —and act on anything that looks strange or outright fishy by reporting it to the company or institution in question.
The post What’s the Difference Between Identity Fraud and Identity Theft? appeared first on McAfee Blog.
Most of us use the internet every day, so we’re comfortable sharing a lot of information online. However, cybercriminals want us to get a bit too comfortable so they can take our personal or financial data and use it for their benefit. This is called identity theft, and it can cost people money and may dip their credit score.
Fortunately, you can help minimize what happens by knowing the signs of identity theft and taking fast action when you recognize them. Find out how below.
Being online comes with many benefits, but it can also come with some risks. Identity theft usually begins with the criminal accessing sensitive personal data, such as Social Security numbers, birth dates, home addresses, bank account information, and driver’s license details. The fraudster can then take this information to fake your identity, using it to take out credit cards, apply for loans, and more.
Here’s a quick look at some ways identity thieves can get their hands on your valuable data:
There are many ways thieves can get their hands on your data. Luckily, there are ways you can protect yourself against these methods. For example, you can protect your computer, tablet, or mobile device against hackers by equipping it with a strong password and safeguarding against phishing by adding a firewall and utilizing a virtual private network (VPN) like those offered by McAfee.
With some best practices, you can protect your data and help safeguard you and your family against identity theft. One way to continue living your best life online is to watch for potential warning signs of identity theft. This ensures you can take fast action and minimize the effects if you’re targeted. Here are some essential signs to look out for.
Financial identity theft is one of the most common types of identity theft, and credit cards are a popular target. The rise in online shopping has made credit card fraud even more common.
Your online banking portal or app should allow you to set up alerts to email, call, or text you about suspected fraudulent credit card charges. If you get an alert, someone may have taken your identity.
If you apply for a loan or line of credit and your application is denied, dig deeper. A rejection could indicate that your credit score is lower than you thought, possibly due to fraudulent activity. For example, someone may use your information to get new credit cards and not pay them off, leaving you responsible.
Changes in your credit score can indicate identity theft. For example, if someone takes out utility bills in your name and doesn’t pay them, your credit score may dip. Checking your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) can help pinpoint the problem.
The Federal Trade Commission (FTC) allows U.S. consumers to get a free credit report every 12 months. Just visit AnnualCreditReport.com to get a copy of yours from the credit reporting agencies. You can also pay for credit monitoring services to track your score.
Once identity thieves obtain enough data, including your name and address, they might be able to open new accounts and credit cards. When you check your credit report, keep an eye out for new accounts that you didn’t open. Another red flag is if you start getting bank statements or bills addressed to you for accounts you don’t recognize.
Companies are required to notify customers of data breaches that could impact them. For example, if you save your payment information and home address on a music streaming provider’s website and their database is hacked, identity thieves may get your data. Keep an eye out for notifications and read the news. The McAfee blog is another great resource for information on data breaches.
If debt collectors start calling, be cautious, especially if they’re referring to accounts you aren’t familiar with. Don’t provide personal information to any collection agencies that call, as this can be a potential phishing scam. However, it’s a good idea to follow up on these cases by checking your credit report for new accounts. You could be liable if someone opened accounts under your name and didn’t pay them.
Medical theft occurs when a fraudster imitates another person to get health care or supplies. For example, a person might use your identity to get prescription medication at a pharmacy. If you get unfamiliar medical bills, follow up. Incorrect medical records could impact your insurance premiums or interfere with your ability to get the care you need in the future.
This could be an indicator of synthetic identity theft. This occurs when a fraudster creates a fake identity using various people’s real information. For example, they may use your address and Social Security number and another person’s photo to create a fake persona that’s creditworthy. They can then take out credit cards in that fake person’s name.
If you receive a confirmation of an annual tax filing before you’ve filed, take note. Criminals may try to file a tax return for another person to access their tax refund. Alternatively, you may find that you’re unable to e-file your taxes, which can occur if someone else has already filed under your name.
No one wants their identity stolen, but it’s still good to be prepared if it does happen. If you notice the above red flags, here are some steps you may need to take:
You may also want to visit IdentityTheft.gov to report identity theft and find resources to help guide your recovery plan.
Worries about identity fraud shouldn’t prevent your household from enjoying the benefits of a connected world. McAfee’s identity theft protection services can help you enjoy everyday conveniences while keeping you safe. Packages can be tailored to your needs, including 24/7 monitoring, ID theft coverage, VPN services, and more. It’s guided online protection made easy.
The post 9 Ways to Determine If Your Identity Has Been Stolen appeared first on McAfee Blog.
Did you just get word that your personal information may have been caught up in a data breach? If so, you can take steps to protect yourself from harm should your info get into the hands of a scammer or thief.
How does that information get collected in the first place? We share personal information with companies for multiple reasons simply by going about our day—to pay for takeout at our favorite restaurant, to check into a hotel, or to collect rewards at the local coffee shop. Of course, we use our credit and debit cards too, sometimes as part of an online account that tracks our purchase history.
In other words, we leave trails of data practically wherever we go these days, and that data is of high value to hackers. Thus, all those breaches we read about.
Whether it’s a major breach that exposes millions of records or one of many other smaller-scale breaches like the thousands that have struck healthcare providers, each one serves as a reminder that data breaches happen regularly and that we could find ourselves affected. Depending on the breach and the kind of information you’ve shared with the business or organization in question, information stolen in a breach could include:
What do crooks do with that data? Several things. Apart from using it themselves, they may sell that data to other criminals. Either way, this can lead to illicit use of credit and debit cards, draining of bank accounts, claiming tax refunds or medical expenses in the names of the victims, or, in extreme cases, assuming the identity of others altogether.
In all, data is a kind of currency in of itself because it has the potential to unlock several aspects of victim’s life, each with its own monetary value. It’s no wonder that big breaches like these have made the news over the years, with some of the notables including:
As mentioned, these are big breaches with big companies that we likely more than recognize. Yet smaller and mid-sized businesses are targets as well, with some 43% of data breaches involving companies of that size. Likewise, restaurants and retailers have seen their Point-of-Sale (POS) terminals compromised, right on down to neighborhood restaurants.
When a company experiences a data breach, customers need to realize that this could impact their online safety. If your favorite coffee shop’s customer database gets leaked, there’s a chance that your personal or financial information was exposed. However, this doesn’t mean that your online safety is doomed. If you think you were affected by a breach, you can take several steps to protect yourself from the potential side effects.
One of the most effective ways to determine whether someone is fraudulently using one or more of your accounts is to check your statements. If you see any charges that you did not make, report them to your bank or credit card company immediately. They have processes in place to handle fraud. While you’re with them, see if they offer alerts for strange purchases, transactions, or withdrawals.
Our credit monitoring service can help you keep an eye on this. It monitors changes to your credit score, report, and accounts with timely notifications and guidance so you can take action to tackle identity theft.
Breached and stolen information often ends up in dark web marketplaces where hackers, scammers, and thieves purchase it to commit yet more crime. Once it was difficult to know if your information was caught up in such marketplaces, yet now an identity monitoring service can do the detective work for you.
Our service monitors the dark web for your personal info, including email, government IDs, credit card and bank account info, and more. This can help keep your personal info safe with early alerts that show you if your data is found on the dark web, an average of 10 months ahead of similar services. From there, you’ll get guidance that you can act on, which can help protect your info and accounts from theft.
If you suspect that your data might have been compromised, place a fraud alert on your credit. This not only ensures that any new or recent requests undergo scrutiny, but also allows you to have extra copies of your credit report so you can check for suspicious activity. You can place one fraud alert with any of the three major credit reporting agencies (Equifax, Experian, TransUnion) and they will notify the other two. A fraud alert typically lasts for a year, although there are options for extending it as well.
Freezing your credit will make it highly difficult for criminals to take out loans or open new accounts in your name, as a freeze halts all requests to pull your credit—even legitimate ones. In this way, it’s a far stronger measure than placing a fraud alert. Note that if you plan to take out a loan, open a new credit card, or other activity that will prompt a credit report, you’ll need to take extra steps to see that through while the freeze is in place. (The organization you’re working with can assist with the specifics.) Unlike the fraud alert, you’ll need to contact each major credit reporting agency to put one in place. Also, a freeze lasts as long as you have it in place. You’ll have to remove it yourself, again with each agency.
You can centrally manage this process with our security freeze service, which stops companies from looking at your credit profile, and thus halts the application process for loans, credit cards, utilities, new bank accounts, and more. A security freeze won’t affect your credit score.
Ensure that your passwords are strong and unique. Many people utilize the same password or variations of it across all their accounts. Therefore, be sure to diversify your passcodes to ensure hackers cannot obtain access to all your accounts at once, should one password be compromised. You can also employ a password manager to keep track of your credentials, such as the one you’ll find in comprehensive online protection software.
If the unfortunate happens to you, an identity theft coverage & restoration service can help you get back on your feet. Ours offers $1 million in coverage for lawyer fees, travel expenses, and stolen funds reimbursement. It further provides support from a licensed recovery expert who can take the needed steps to repair your identity and credit. In all, it helps you recover the costs of identity theft along with the time and money it takes to recover from it.
You can take this step any time, even if you haven’t been caught up in a data breach. The fact is that data broker companies collect and sell thousands of pieces of information on millions and millions of people worldwide, part of a global economy estimated at $200 billion U.S. dollars a year. And they’ll sell it to anyone—from advertisers for their campaigns, to scammers who will use it for spammy emails, texts, and calls, and to thieves who use that information for identity theft.
Yet you can clean it up. Our personal data cleanup service can scan some of the riskiest data broker sites and show you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites and, with select products, even manage the removal for you.
Comprehensive online protection software will offer you the tools and services listed above, along with further features that can protect you online. That includes a VPN to keep your time online more private from online data collection while protecting it from thieves who’re out to steal credit card and account information. It also includes web browsing protection that can warn you of sketchy websites and malicious downloads that look to steal your information. In all, it’s thorough protection for your devices, privacy, and identity. And in a time of data breaches, that kind of protection has become essential.
The post How to Protect Yourself From Identity Theft After a Data Breach appeared first on McAfee Blog.
We’re online more than ever, in large part because it allows us to take advantage of online conveniences like bill pay and booking appointments. But these many benefits might also leave us exposed to risks, like identity theft.
Identity theft is characterized by one person using another’s personal or financial data for their benefit. Cybercriminals may take information like a person’s name, birthday, Social Security number, driver’s license number, home address, and bank account information and use it for their benefit. A name and matching financial information, for instance, can be used to apply for credit cards or open new accounts.
The good news is that you can safeguard yourself and your family with some best practices — allowing you to enjoy your best life online and worry less about cybercriminals. Share these 10 tips with your family to help keep your entire household safe.
A good habit to get into is to password-protect your computer, tablet, and mobile devices through unique, strong passwords. These devices are home to some of your most sensitive information, including everything from emails to apps that connect to your bank accounts. So, if these devices fall into the wrong hands, a password makes it harder to access your personal data.
Take some time to come up with your passwords, though. It’s important to create strong passwords that hackers can’t guess. A strong password will include a mix of symbols, numbers, and letters. Steer clear of simple passwords like “123456” (it might seem obvious, but this is one of the most common passwords people use). Also, avoid including information that other people can guess, like your birthdate, home address, or name.
Don’t forget to use different passwords for different accounts. If you use the same password across multiple accounts, and a fraudster gains access to one account, they may access the others. Fortunately, McAfee’s identity protection services include a password manager, which can help secure your account credentials across multiple devices. This tool encrypts passwords, storing them safely and making it easy to keep track of them.
Identity thieves are skilled at leveraging new technologies. Phishing is one great example of this. Phishing involves criminals masquerading as trustworthy entities, such as government agencies or banks, and using this trusted position to get sensitive information. Phishing scams started with traditional mail. They’re now also done via phone, text, and email.
As a general rule of thumb, never give out any personal information when contacted by a business, bank, or another entity. Also, make sure your email spam filters detect phishing attempts. Never open emails from people you don’t know, and don’t download email attachments without knowing what they are. Some phishing emails include malware, which can infiltrate your device and access personal data. A McAfee Total Protection plan is an all-in-one protection solution that can help you detect and avoid malware.
Fraudulent websites may also use phishing techniques. A website may look similar to the legitimate website of a mortgage lender, bank, or credit card company but might be a fraudulent platform seeking to get information from consumers. Always verify that any website you visit is the legitimate website of the institution, and consider McAfee antivirus software, which offers a safe browsing solution.
When financial identity theft occurs, this can also impact financial institutions like banks and lenders. So, they’re eager to prevent fraud, as well. One way they do this is through fraud alerts. You can set up your online banking to issue fraud alerts — for example, via an email, text message, or phone call — if your bank suspects suspicious activity on your account.
In some cases, a bank will also freeze your account until you verify whether the activity is legitimate. This is a common tactic used to protect against credit card fraud. Geo-control is one example: If you live in the U.S., but a German IP address uses your credit card, your credit card provider will likely issue an alert. You can also set up alerts for certain transaction amounts or types.
Your credit report is one of the most powerful tools you have at your disposal for catching identity thieves and stopping them in their tracks. You’re entitled to a free credit report every 12 months via AnnualCreditReport.com, an initiative of the Federal Trade Commission (FTC). You can get a free copy of your report from each major credit bureau: Experian, Equifax, and TransUnion.
Review your report thoroughly, checking for inaccuracies. When credit monitoring, check your:
If you find any discrepancies, contact the appropriate credit reporting company. You should also contact the relevant financial institution and visit IdentityTheft.gov. You can report the suspected identity theft and find resources to help you recover.
Social media is great for connecting with others online, but it does open the door to some vulnerabilities. Be careful about what you post, and steer clear of sharing personal details like your home address, children’s names, pet’s names, or birthdays, which some people use as passwords. If a social media platform offers two-factor authentication, opt in.
Images are another touchy subject. Never post photos that include private data, like a picture of your passport or vaccine card. Consider what’s in the background of any photos — from your home (with a house number) to mail with your address. Finally, you may want to set your visibility to private on all social media accounts, limiting who can view them. And even if your account is private, you should still follow the above tips.
Some identity thieves get people’s personal information by dumpster diving. One solution? Invest in a paper shredder. You’ll be able to shred documents into tiny bits that are hard to piece together, making it that much harder for someone else to piece together any personal information they contain.
Here are some documents worth shredding:
If you’re not sure whether something needs to be shredded, go ahead and destroy it. It only takes seconds, and you’re better off safe than sorry.
Whether you use a computer, tablet, or mobile device for many of your online activities, like paying bills, these devices contain a lot of personal data. So, it’s good to protect them from hackers. Install antivirus software like McAfee’s to protect against viruses and spyware. It would be best if you also had a firewall, which is a network security system that controls the incoming and outgoing network traffic based on set security parameters.
To take your device security a step further, you may also want to invest in a virtual private network (VPN). This helps hide your online activity. It can safeguard against hackers on public networks but is also worth using at home. It hides details like browsing activity, personal data, and IP address from potential snoops. McAfee also offers VPN services.
While your computer, tablet, or mobile device may hold a great deal of personal data, you likely also have hard copies of sensitive documents worth protecting. Documents like your birth certificate, Social Security card, and passport contain valuable information that identity thieves can use for personal gain, so you want to make sure they’re kept in a safe space.
Don’t simply shove these documents into your desk drawer. It’s best to keep them in a locked, fireproof home safe with a secure code. To keep things organized, put each document in a protective plastic sleeve and put the sleeves in a binder. This can be useful if you have a large family and need to keep track of everyone’s data.
Sophisticated hackers don’t just target individuals. They may also try to infiltrate businesses, government agencies, higher education institutions, health care facilities, and any other organization that gathers sensitive consumer information. If an entity is subject to a data breach, they’re legally required to notify any consumers who may have been impacted.
However, it’s still good to inform yourself about potential breaches that may affect you. Larger-scale data security risks are usually reported in the media. We also post about data breaches on the McAfee blog. If an entity you do business with has been affected, change your passwords and the passwords of any related accounts immediately.
Knowing possible signs of identity theft can help you catch it early so that you can continue to enjoy your time online. Educate yourself and your family about these warning signs, ensuring everybody stays safe. Here are some possible indications identity thieves have targeted you:
The internet keeps all of us connected, but that’s why identity theft protection is important. With people increasingly connected, doing more, and sharing more online, cybercriminals can pinpoint weaknesses and take advantage. Hackers are ready to leverage your information for personal gain, and identity theft is no exception.
McAfee is here to help. McAfee’s identity protection services provide 24/7 monitoring of your email addresses and bank accounts, providing up to $1 million worth of ID theft coverage. You deserve to enjoy the comfort offered by the internet without stressing about identity theft. Implement the best practices above in your household so that you and your loved ones can stay connected with confidence.
The post 10 Ways to Protect Your Identity appeared first on McAfee Blog.
The internet provides plenty of fun and exciting opportunities for you and your family, from sharing on social media to online shopping. To help you enjoy every minute of it, though, it’s good to be aware of what less savory characters are up to.
And they sure have been busy. In fact, the U.S. Federal Trade Commission (FTC) received 2.1 million fraud reports in 2020. What is identity theft? Well, it’s the fraudulent use of another individual’s name and details for personal gain.
Those affected by identity fraud may see a dip in their finances and credit scores. They may also deal with anxiety around financial security going forward. However, while it’s important to be aware of the threat of identity theft, this shouldn’t be cause for alarm. There are plenty of tools and techniques that can help protect you and your family so you can continue to enjoy everything modern technology has to offer.
The first step in protecting yourself? Educate yourself. Understanding the different types of identity theft can help you safeguard yourself and your loved ones so that you can continue all your favorite online activities. Here we’ll define and explore the different types of identity theft to watch out for.
We’ve all probably heard of identity theft, but what is it? Identity theft is when someone uses another person’s financial or personal data, usually for monetary gain. This means a fraudster may take sensitive information like names, birthdates, Social Security numbers, driver’s license details, addresses, and bank account numbers or credit card numbers. They might then use this information to make purchases, open credit cards, and even use health insurance to get medical care.
A little knowledge can go a long way in stopping cybercriminals in their tracks — especially since they’re becoming more sophisticated and coming up with new schemes every day.
Here are five common types of identity theft to help you stay one step ahead of hackers.
Financial identity theft is when one person uses another’s personal data for financial benefit. This is the most common form of identity theft (including the credit card example described above). Financial identity theft can take multiple forms, including:
The good news is that it’s easy to protect yourself against financial identity theft by checking your bank accounts, credit card statements, and bills. If you see an unexplained charge, contact your credit card company or bank immediately to report it. Also, check your credit report for changes in your score. An unexplained decrease in your score could mean fraudulent activity. You can do this through AnnualCreditReport.com, where you can get a free credit report every 12 months from each of the three major credit bureaus.
Another idea is to place a one-year fraud alert on your credit reports to keep people from opening new accounts in your name. This encourages creditors and lenders to take extra precautions to verify your identity before granting any loans or credit increases. You can also place a security freeze on your credit report, which blocks others from accessing it to extend credit.
This might not seem like a real form of identity theft, but it happens. Medical identity theft is when a criminal poses as another person to obtain health care services. In fact, fraudsters may use your name and insurance information to:
This can result in you having bills for prescriptions, services, or devices you didn’t need, ask for, or even receive. Your health care and insurance records may even have these things added to them. An inaccurate medical record can make it harder for you to get the care you need in the future and even impact insurance coverage.
Fortunately, you can help minimize the risk of medical identity theft by regularly reviewing your medical claims. Contact your insurer if you see unfamiliar procedures, prescriptions, or services. You’ll also want to let your health care provider know so that they can ensure your medical files are correct. Finally, consider filing a complaint with the U.S. Department of Health and Human Services (HHS).
Criminal identity theft occurs when a person arrested by law enforcement uses someone else’s name instead of providing theirs. They might be able to pass this off by creating a fake ID or using a stolen ID, like your driver’s license, to show to the police. This type of fraud can be difficult to detect until the consequences are evident, like:
You can help protect yourself against criminal identity theft by safeguarding your ID. If your license or state-issued ID is lost or stolen, report it to the local Department of Motor Vehicles (DMV) and law enforcement. Also, limit the information you share online (and encourage family members to do the same). For example, if your teen got their first driver’s license and wants to share a pic of it on social media, explain why this isn’t a good idea.
As one of the fastest-growing types of financial crime in the U.S., synthetic identity theft involves creating fake identities using real people’s information. Fraudsters may use data like birthdates, addresses, and Social Security numbers from real people, blending them to create a fake profile. They can then use this persona to apply for loans or credit cards or commit other financial crimes. Kids and older adults tend to be vulnerable to this type of fraud since they rarely use their SSNs.
The most important thing about synthetic identity theft is knowing the signs and acting fast. Keep an eye out for any mail with your address on it but addressed to a different name and phone calls or mail about new credit accounts. You can further protect yourself by regularly checking your credit reports for unexplained changes and placing a security freeze on them.
There are also identity monitoring services available, which scan the internet, including the dark web, for breached Social Security numbers. If you suspect you or a loved one is the victim of synthetic identity theft, contact the relevant financial institutions to alert them.
We all want to protect our children from bad actors, especially when it comes to identity theft. Child identity theft involves using a minor’s information to commit financial fraud, like opening a new account or line of credit under the child’s name. The thief may even use the child’s identity to get a driver’s license, apply for government benefits, or buy a house. This is often easier than targeting an adult because most kids don’t have credit reports or financial accounts, making them a clean slate.
Unfortunately, child identity theft is often perpetrated within the family by a relative who has access to the child’s data like their birthdate and address. And many children don’t realize they’ve been targeted until they’re older — for example, when they try to take out a student loan. By this point, the issue may have been escalating for years. So, it’s important as a parent to be aware of child identity theft.
The best way to do this is to check whether your child has a credit report with any of the three big credit bureaus (TransUnion, Equifax, and Experian). If so, review the report and report any fraudulent activity. You can also place a freeze on your child’s credit report to help minimize the risk of future fraud.
No one wants to be left in the dark when it comes to identity theft, so knowing the signs can help you spot it and take action quickly. This can help stop fraud in its tracks, minimizing both immediate damage and long-term repercussions. Some warning signs that may indicate identity theft include:
You can also increase your odds of recognizing identity theft with tools like McAfee’s identity protection services. Our continual monitoring can keep tabs on over 60 types of personal information, which allows us to quickly identify security issues, alerting you to potential breaches so that you can fix them. We’ll also notify you up to 10 months sooner than similar services. By combining the best practices described above with a comprehensive identity protection service, you can worry less about identity theft and spend more time enjoying the internet.
The internet makes daily life easier in many ways. You can now learn, work, play, and shop online. You shouldn’t have to forego these conveniences because of the threat of identity theft.
McAfee’s identity theft protection services can help keep you and your loved ones safe. McAfee uses extensive monitoring and an early detection system to notify you of potential risks or breaches. You’ll also have access to 24/7 online security experts and up to $1 million of identity theft coverage. Get the peace of mind you need to continue using the internet with confidence.
The post 5 Common Types of Identity Theft appeared first on McAfee Blog.
Protecting your devices with antivirus is a great start, yet it’s only one part of staying safer online. With the way scammers and thieves target people today, you need to protect yourself too—specifically your identity and privacy.
Threats have evolved over the years. While hackers still wage malware attacks on computers, tablets, and smartphones, the devices aren’t the ultimate target. You are. The personal and private information created and kept on your devices have tremendous value because scammers and thieves can use it to steal your identity, open credit cards in your name, and commit all kinds of identity theft and fraud.
Yet just as using antivirus protection can keep you safer online, using privacy and identity protection will keep you far safer still. Let’s look at how all three can work in concert.
Privacy protection focuses on keeping your information from getting into the hands of advertisers, cybercriminals, and data brokers who want to use it for their benefit. To boost your online privacy, consider a few thoughtful additions to your daily browsing, email, and social media routine.
First, think carefully about your social media habits. Do you post everything about your day and childhood, pin your location, and share photos of documents that include your full name, birthday, or address? You may want to consider cutting back on what you broadcast on the internet, especially if your account is public for anyone to view.
Unfortunately, while your friends and family may love your status updates, cybercriminals love them more. After only minutes of snooping, cybercriminals can glean enough personal details about you to impersonate you or target a social engineering attempt at you. To keep your private information more private, limit what you share on social media, pare down your follower and friend lists to only the closest people, and if your social media account platform supports it set your account to private.
One more way to protect your privacy is to use a virtual private network (VPN). A VPN allows you to remain far more anonymous online by shielding your location and device information, along with the data passing along your connection—which includes things like your passwords, account information, and other sensitive info.
A VPN offers further protection when you’re logged on to a public network, like those in coffee shops, libraries, and transportation hubs. Cybercriminals often lurk on non-password-protected Wi-Fi networks and eavesdrop on people paying bills or online shopping to steal their credentials.
However, criminals aren’t the only ones who intrude on your privacy. Online data brokers collect thousands of data points on millions of people, then post bits of that information for anyone to see and offer far more detailed information for a price.
Who buys this information? More legitimate purposes include people conducting background checks, journalists, law enforcement, and, largely, advertisers. With such in-depth information, advertisers can target highly specific audiences with their ads, all based on personal information that can include shopping habits from customer loyalty cards, health data from fitness apps, and information scraped from public social media posts—just to name a few of the umpteen sources they draw from.
Yet data brokers won’t discriminate. They’ll sell to scammers and thieves as well, who can then use that personal information to help them commit identity fraud and theft.
However, you can do something about this. Personal data cleanup can scan some of the riskiest data broker sites and show you which ones are selling your personal info. It can also provide guidance on how you can remove your data from those sites and can even manage the removal for you. And because data brokers continually update their data, personal data cleanup will continue to monitor those sites and help you get your information removed should it crop up again.
In all, if you feel that your privacy shouldn’t be up for grabs, a personal data cleanup service can
Another form of protection focuses on keeping you safer from identity theft and fraud. Here, thieves will steal personal and account information to rack up charges on existing credit and debit cards, open entirely new accounts and lines of credit, or impersonating the victim themselves for employment, health insurance coverage, or to commit other crimes in someone else’s name.
A few forms of identity crime include:
This list provides just a few examples, yet in all its forms, identity crime can affect your finances, credit score, and ability to secure loans, a mortgage, or future credit cards.
One way to keep your identity secure is to guard your PII carefully. Never give out your Social Security Number unless it’s necessary—such for employment, opening bank and credit accounts, applying for public assistance, filing tax returns, or obtaining a driver’s license. While other businesses may ask you for your Social Security Number for identification purposes, you are not legally bound to provide it. You can ask to provide an alternate form. Also, never share it over email or text where it can be potentially intercepted.
Beyond your Social Security Number, you can take steps to protect the many other forms of personal information you have. An identity monitoring service can keep tabs on everything from email addresses to IDs and phone numbers for signs of breaches so you can take action to secure your accounts before they’re used for identity theft. Likewise, credit monitoring can watch for unusual credit activity that could be an indicator of identity theft as well.
Should the unfortunate occur, identity theft & recovery coverage like ours can help you get back on track in several ways. First, it provides $1 million in identity theft coverage that covers travel expenses, legal fees, and stolen funds reimbursement. Additionally, it provides the assistance of a licensed identity theft recovery pro who can help you repair your identity and credit.
The third form of protection involves our devices, like computers, tablets, and phones—protecting them from both physical and digital threats.
The first step you can take is to use a password, PIN, facial recognition, or other form of lock to keep your devices safer in the event of loss or theft. With this protection, your device is effectively an open book, providing a thief with access to all manner of personal information, accounts, and apps.
Taking this protection a step further is learning to remotely locate your devices and then lock or wipe them. Many laptops and mobile devices offer location tracking services to help find a lost device—and yet others allow the owner to remotely lock or even wipe the contents of that device if they fear it’s lost for good or fallen into the wrong hands.
It’s all rather straightforward, and device manufacturers have put up helpful web pages that can walk you through the process:
Another good step you can take is to back up your files, whether with an online cloud service, a physical external drive, or both. By storing your files in the cloud, you can recover them quickly if your device is stolen and you have to remotely wipe its contents. Storing them on an external drive also lets you recover your files if your device is stolen, however, you’ll want to keep it in a secure location so that it can’t be stolen as well. Options include a fireproof safe where you keep other valuables or even a safe deposit box. The drawback is that you will have to back up files manually and regularly whereas cloud backup is practically automatic when you’re connected to the internet.
Another component of device security is defending against malicious software. Viruses and malware can make their way onto your devices through several avenues, including sketchy websites, dishonest downloads, phishing schemes, and clicking on ads. The challenge is that several of these avenues can look rather legitimate at first glance. Sophisticated hackers, scammers, and thieves have learned how to make their bogus websites and search results look like the real thing. One way you can prevent making a bad click or downloading an attachment loaded with malware is to use web advisor software that can protect you while you browse.
And finally, yes, antivirus is a must now just as it’s ever been. When kept up to date with the latest updates, it can prevent malware from getting onto your devices—plus scan, detect, and delete viruses and malware from your devices should they make their way onto them.
The threats out there are many, and they go beyond threats to your devices. Hackers, scammers, and thieves are quite interested in you. Your accounts, your personal information, and anything they can grab to commit theft or fraud. Protecting yourself today calls for not only protecting your devices but your privacy and identity too.
Comprehensive online protection software like ours covers all three—privacy, identity, and devices. It includes the protections mentioned above, plus dozens of features more such as ransomware coverage, credit freezes, security locks, and an online protection score that shows you just how safe you are, along with suggestions that can make you safer still.
In all, it gives you far more control over your privacy and personal information, control that should rest in your hands, and not in the hands of data brokers, hackers, scammers, and thieves.
The post Privacy, Identity, and Device Protection: Why You Need to Invest in All Three appeared first on McAfee Blog.
Before you take the fun-looking quiz that popped up in your social media feed, think twice. The person holding the answers may be a hacker.
Where people go, hackers are sure to follow. So it’s no surprise hackers have set up shop on social media. This has been the case for years, yet now social media-based crime is on the rise. In 2019, total reported losses to this type of fraud reached $134 million. But reported losses hit $117 million in just the first six months of 2020, according to the U.S. Federal Trade Commission (FTC).
Among these losses are cases of identity theft, where criminals use social media to gather personal information and build profiles of potential victims they can target. Just as we discussed in our recent blog, “Can thieves steal identities with only a name and address?” these bits of information are important pieces in the larger jigsaw puzzle that is your overall identity.
Let’s uncover these scams these crooks use so that you can steer clear and stay safe.
“What’s your spooky Halloween name?” or “What’s your professional wrestler name?” You’ve probably seen a few of those and similar quizzes in your feed where you use the street you grew up on, your birthdate, your favorite song, and maybe the name of a beloved first pet to cook up a silly name or some other result. Of course, these are pieces of personal information, sometimes the answer to commonly used security questions by banks and other financial institutions. (Like, what was the model of your first car?) With this info in hand, a hacker could attempt to gain access to your accounts.
Similarly, scammers will also post surveys with the offer of a gift card to a popular retailer. All you have to do is fork over your personal info. Of course, there’s no gift card coming. Meanwhile, that scammer now has some choice pieces of personal info that they can potentially use against you.
How to avoid them: Simply put, don’t take those quizzes and surveys online.
The list here is long. These include posts and direct messages about phony relief funds, grants, and giveaways—along with bogus business opportunities that run the gamut from thinly-veiled pyramid schemes and gifting circles to mystery shopper jobs. What they all have in common is that they’re run by scammers who want your information, money or both. If this sounds familiar, like those old emails about transferring funds for a prince in some faraway nation, it is. Many of these scams simply made the jump from email to social media platforms.
How to avoid them: Research any offer, business opportunity, or organization that reaches out to you. A good trick is to do a search of the organization’s name plus the term “scam” or “review” or “complaint” to see if anything sketchy comes up.
If there’s one government official that scammers like use to put a scare in you, it’s the tax collector. These scammers will use social media messaging (and other mediums like emails, texts, and phone calls) to pose as an official that’s either demanding back taxes or offering a refund or credit—all of which are bogus and all of which involve you handing over your personal info, money, or both.
How to avoid them: Delete the message. In the U.S., the IRS and other government agencies will never reach out to you in this way or ask you for your personal information. Likewise, they won’t demand payment via wire transfer, gift cards, or cryptocurrency like bitcoin. Only scammers will.
These are far more targeted than the scams listed above, because they’re targeted and often rely upon specific information about you and your family. Thanks to social media, scammers can gain access to that info and use it against you. One example is the “grandkid scam” where a hacker impersonates a grandchild and asks a grandparent for money. Similarly, there are family emergency scams where a bad actor sends a message that a family member was in an accident or arrested and needs money quickly. In all, they rely on a phony story that often involves someone close to you who’s in need or in trouble.
How to avoid them: Take a deep breath and confirm the situation. Reach out to the person in question or another friend or family member to see if there really is a concern. Don’t jump to pay right away.
This is one of the most targeted attacks of all—the con artist who strikes up an online relationship to bilk a victim out of money. Found everywhere from social media sites to dating apps to online forums, this scam involves creating a phony profile and a phony story to go with it. From there, the scammer will communicate several times a day, perhaps talking about their exotic job in some exotic location. They’ll build trust along the way and eventually ask the victim to wire money or purchase gift cards.
How to avoid them: Bottom line, if someone you’ve never met in person asks you for money online, it’s a good bet that it’s a scam. Don’t do it.
Now with an idea of the bad actors are up to out there, here’s a quick rundown of things you can do to protect yourself further from the social media scams they’re trying to pull.
Above and beyond what we’ve covered so far, some online protection basics can keep you safer still. Comprehensive online protection software will help you create strong, unique passwords for all your accounts, help you keep from clicking links to malicious sites, and prevent you from downloading malware. Moreover, it can provide you with identity protection services like ours, which keep your personal info private with around-the-clock monitoring of your email addresses and bank accounts with up to $1M of ID theft insurance.
Together, with some good protection and a sharp eye, you can avoid those identity theft scams floating around on social media—and get back to enjoying time spent online with your true family and friends.
The post Quizzes and Other Identity Theft Schemes to Avoid on Social Media appeared first on McAfee Blog.
With the holidays on the horizon, spirits are high—and it’s those same high spirits that hackers want to exploit. ‘Tis the season for clever social engineering attacks that play on your emotions, designed to trick you into giving up personal info or access to your accounts.
Social engineering attacks unfold much like a confidence scam. A crook takes advantage of someone’s trust, applies a little human psychology to further fool the victim, and then pulls off a theft. Online, a social engineering attack will likely involve a theft attempt of personal or account information that the crook can then use to make purchases, drain accounts, and so forth.
Not at all in the holiday spirit, right? Let’s take a look at some of their top tricks so that you can spot and avoid them.
As said, spirits can get high this time of year. There’s looking forward to gatherings with family and friends, the fun that comes along with hunting for that perfect gift, and the excitement of the holidays overall. And that’s what hackers count on—people getting caught up in the rush of the holidays, to the point where they may not look at emails, offers, shipping notices, and such with a critical eye. That’s how the scammers get their foot in the door.
Some of their favored tricks can look a little like this:
What are the holidays without that trendy “must-get” gift item, the one that’s seemingly out of stock no matter where you look? Scammers are keen on these items as well and will prop up phony ads and storefronts that pretend to sell those items but really don’t. Instead, they’re just a shady way for them to steal your debit or credit card information—or to lift a few bucks out of your pocket in return for nothing.
One way to keep from getting burned by one of these scams is to follow the old adage, “If it looks too good to be true, it probably is.” In this case, crooks are using feelings of scarcity and urgency to get you to bite. Here’s where you can take a moment before you click to do some research.
Answers to these questions can separate the good businesses from the bogus ones.
Like the above, crooks will create a sense of urgency about a hot holiday item or limited time offer. The twist comes when they request payment via a gift card rather than by credit or debit card or other legitimate online payment methods. This request is highly deliberate because gift cards are much like cash. Once the money on the card is spent, it’s gone, and these cards do not offer the same protections that come with other payment methods.
You can avoid this one easily. If anyone asks you to use a gift card as payment, it’s a scam. Gift cards are for gifts, not payment, says the Federal Trade Commission (FTC). If you come across such a scam, you can report it to the FTC as well.
Donating to a charity in someone else’s name is often a popular gift. Much the same, giving a donation to a worthy cause feels particularly good this time of year. Once again, scammers will take advantage of these good intentions by propping up phony charities designed to do nothing more than dupe you out of your money. Whether that’s a flat-out phony charity or one of the many other scam charities that have been known to pocket 90 cents of every dollar donated, this is the time of year to be on the lookout for both.
The advice here is much the same as the advice for avoiding phony businesses and retailers. Do your homework. The Better Business Bureau maintains a listing of charities that can help you make good donation choices. Also, your state government’s charity officials can help you separate good charities from bad—and even file a report if you suspect a scam is at play.
And once again, if a charity is asking for donations in the form of cash, gift cards, or wire transfer, just say no. That’s a surefire sign of a scam.
Scammers know you have packages in transit this holiday season, loaded with gifts that you’re eagerly tracking. Enter another classic scam—the phony shipping notice. The idea is that you already have so many packages on their way that you won’t think twice about opening an email with a “shipping notice” that comes in the form of an attachment. Of course, that attachment is a fake. And it’s loaded with malware.
Too bad for scammers, though. This is another one you can steer clear of rather easily. Don’t open such attachments. Shipping companies will almost certainly send along notices and invoices in the body of an email, not as an attachment. If you have a question, you can always visit the shipper’s website and look up your tracking info there. Likewise, follow up with the customer service department of the company that you purchased the item from in the first place.
While the holidays are a special time for scammers too, there are several things you can do to up the level of your protection now and year ‘round. A quick list includes:
No doubt, the holidays have a feel all to themselves, one which hackers and crooks want to take advantage of. They’ll craft their tricks accordingly and try to twist the good times that roll around at the end of the year into scams that capitalize on your good intentions. As you can see, it’s not too tough to spot them for what they are if you pause and take a moment to scrutinize those emails, offers, and sales. And that’s the thing with the holidays. We can all feel pinched for time at some point or other during this stretch. Look out for their pressure tactics and seemingly clever ways of using social engineering to rip you off. That way, you can spend the holidays focusing on what’s important—your friends and family.
The post Social Engineering: Tis the Season for Tricky Hackers appeared first on McAfee Blog.
How does that information get collected in the first place? We share personal information with companies for multiple reasons simply by going about our day—to pay for takeout at our favorite restaurant, to check into a hotel, or to collect rewards at the local coffee shop. Of course, we use our credit and debit cards too, sometimes as part of an online account that tracks our purchase history.
In other words, we leave trails of data practically wherever we go these days, and that data is of high value to hackers. Thus, all those breaches we read about.
Whether it’s a major breach that exposes millions of records or one of many other smaller-scale breaches like the thousands that have struck healthcare providers, each one serves as a reminder that data breaches happen regularly and that we could find ourselves affected. Depending on the breach and the kind of information you’ve shared with the business or organization in question, information stolen in a breach could include:
What do crooks do with that data? Several things. Apart from using it themselves, they may sell that data to other criminals. Either way, this can lead to illicit use of credit and debit cards, draining of bank accounts, claiming tax refunds or medical expenses in the names of the victims, or, in extreme cases, assuming the identity of others altogether.
In all, data is a kind of currency in of itself because it has the potential to unlock several aspects of victim’s life, each with its own monetary value. It’s no wonder that big breaches like these have made the news over the years, with some of the notables including:
Facebook – 2019: Two sets of data exposed the records of more than 530 million users, including phone numbers, account names, and Facebook IDs.
Marriott International (Starwood) – 2018: Half a million guests had names, email and physical mailing addresses, phone numbers, passport numbers, Starwood Preferred Guest account information, dates of birth, and other information about their stays exposed.
Equifax – 2017: Some 147 million records that included names, addresses, dates of birth, driver’s license numbers, and Social Security Numbers were exposed, along with a relatively small subset of 200,000 victims having their credit card information exposed as well.
As mentioned, these are big breaches with big companies that we likely more than recognize. Yet smaller and mid-sized businesses are targets as well, with some 43% of data breaches involving companies of that size. Likewise, restaurants and retailers have seen their Point-of-Sale (POS) terminals compromised, right on down to neighborhood restaurants.
When a company experiences a data breach, customers need to realize that this could impact their online safety. If your favorite coffee shop’s customer database gets leaked, there’s a chance that your personal or financial information was exposed. However, this doesn’t mean that your online safety is doomed. If you think you were affected by a breach, there are multiple steps you can take to help protect yourself from the potential side effects.
One of the most effective ways to determine whether someone is fraudulently using one or more of your accounts is to check your statements. If you see any charges that you did not make, report them to your bank or credit card company immediately. They have processes in place to handle fraud. While you’re with them, see if they offer alerts for strange purchases, transactions, or withdrawals.
File a police report and a Federal Trade Commission (FTC) Identity Theft Report. This will help in case someone uses your Social Security number to commit fraud, since it will provide a legal record of the theft. The FTC can also assist by guiding you through the identity theft recovery process as well. Their site offers a step-by-step recovery plan that you can follow and track your progress as you go.
If you suspect that your data might have been compromised, place a fraud alert on your credit. This not only ensures that any new or recent requests undergo scrutiny, but also allows you to have extra copies of your credit report so you can check for suspicious activity. You can place one fraud alert with any of the three major credit reporting agencies (Equifax, Experian, TransUnion) and they will notify the other two. A fraud alert typically lasts for a year, although there are options for extending it as well.
Freezing your credit will make it highly difficult for criminals to take out loans or open new accounts in your name, as a freeze halts all requests to pull your credit—even legitimate ones. In this way, it’s a far stronger measure than placing a fraud alert. Note that if you plan to take out a loan, open a new credit card, or other activity that will prompt a credit report, you’ll need to take extra steps to see that through while the freeze is in place. (The organization you’re working with can assist with the specifics.) Unlike the fraud alert, you’ll need to contact each major credit reporting agency to put one in place. Also, a freeze lasts as long as you have it in place. You’ll have to remove it yourself, again with each agency.
Ensure that your passwords are strong and unique. Many people utilize the same password or variations of it across all their accounts. Therefore, be sure to diversify your passcodes to ensure hackers cannot obtain access to all your accounts at once, should one password be compromised. You can also employ a password manager to keep track of your credentials, such as one you’ll find in comprehensive online protection software.
A solution such as this will help you to monitor your accounts and alert you of any suspicious activity. Specifically, our own Identity Protection Service will monitor several types of personally identifiable information, alert you of potentially stolen personal info, and offer guided help to neutralize the threat. Also, it can help you steer clear of some types of theft with preventative guidance that can help keep theft from happening in the first place. With this set up on your computers and smartphone you can stay in the know and address issues immediately.
To use your credit card safely online to make purchases, add both a VPN and password manager into your toolbox of security solutions. A VPN keeps your shopping experience private, while a password manager helps you keep track of and protect all your online accounts. Again, you’ll find a VPN as part of comprehensive online protection software.
The post Affected by a Data Breach? Here Are Security Steps You Should Take appeared first on McAfee Blogs.
You may have spotted the news last week that U.S. federal prosecutors brought charges against the former chief security officer of Uber. At issue was a breach that occurred in 2016, where prosecutors allege that he covered up a $100,000 payoff to the hackers responsible for the attack. The specific charges are obstructing justice and concealing a felony for the alleged cover-up.
While the breach itself is relatively old news and the company has since paid a $148 million settlement along with an agreement to regular audits of its privacy and security systems, this is a reminder that breaches happen. What’s more, it may be some time before you become aware of them, even in instances when companies move quickly, transparently, and in your best interest.
According to research we recently published, nearly three-quarters of all breaches have required public disclosure or have affected financial results, up five points from 2015. Additionally, industry studies show that it can take roughly nine month on average to identify and contain a breach. Yes, that’s more than nine months, and a lot can happen to your credit in that timeframe. Thus the onus is on us to be vigilant about our own credit.
Here’s a quick list of things you can do right now to keep on top of your credit—and that you can do on an ongoing basis as well, because that’s what it takes to keep tabs on your personal info today.
Closely monitor your online accounts: Whether it’s your credit card statements, banking statements, or your individual accounts for services like Uber, review them closely. If you see any suspicious activity, notify the institution or service and put a freeze on your account(s) as needed. Even a small charge can indicate a bigger problem, as that means your information is out there in the wild and could be used for bigger purchases down the pike. In the event you feel your Uber account has been compromised, you can contact them via their “I think my Uber account has been hacked” page.
Update your settings: That includes your privacy settings in addition to changing your password. As far as passwords go, strong and layered passwords are best, and never reuse your credentials across different platforms. Plus, update your passwords on a regular basis. That’ll further protect your data. Using a password manager will help you keep on top of it all, while also storing your passwords securely.
Enable two-factor authentication: While a strong and unique password is a good first line of defense, enabling app-based two-factor authentication across your accounts will help your cause by providing an added layer of security.
Check your credit: Depending on where you live, there are different credit reporting agencies that keep a centralized report of all your credit activities. For example, the major agencies in the U.S. are primarily Equifax, Experian, and TransUnion. Likewise in the U.S., the Fair Credit Reporting Act (FCRA) requires these agencies to provide you with a free credit check at least once every 12 months. It’s a relatively quick process, and you might be surprised what you find—anywhere to incorrect address information to bills falsely associated with your name. Get your free credit report here from the U.S. Federal Trade Commission (FTC). Other nations provide similar services, such as the free credit reports for UK customers.
Freeze your credit: Freezing your credit will make it impossible for criminals to take out loans or open up new accounts in your name. To do this effectively, you will need to freeze your credit at each of the three major credit-reporting agencies (Equifax, TransUnion, and Experian).
Consider using identity theft protection: A solution like McAfee Identify Theft Protection will help you to monitor your accounts and alert you of any suspicious activity in addition to the activities I’ve listed above. Additionally, you can use a comprehensive security solution such as McAfee Total Protection to help protect your devices and data from known vulnerabilities and emerging threats.
For all the technology we have at our fingertips, our best defense is our eyes. Keeping a lookout for fishy activity and following up with family members when unfamiliar charges show up on your accounts will help you keep your good name in good standing.
The thing is, we never know when the next data breach might hit and how long it may be until that information is discovered and finally disclosed to you. Staying on top of credit has always been important, but given all our apps, accounts, and overall exposure these days, it’s a must.
To stay updated on all things McAfee and for more resources on staying secure from home, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Uber Data Breach and How to Protect Your Info appeared first on McAfee Blog.
If you find that your email has been hacked, one of your immediate reactions is wondering what you should next.
The answer: take a deep breath and jump into action. There are five steps can help you prevent or minimize any damage done by a compromised account.
So why do hackers go after email accounts? Fact is, that email account of yours is a treasure trove. There’s a good chance it contains years of correspondence with friends and family, along with yet more email from banks, online retailers, doctors, contractors, business contacts, and more. In all, your email packs a high volume of personal info in one place, which makes your email account a top prize for hackers.
Let’s take a look at how you can take back control of your email account, along with some things you can do to keep it from getting hacked in the first place.
This one speaks for itself. You go to check your email and find that your username and password combination has been rejected. You try again, knowing you’re using the right password, and still no luck. There’s a chance that a hacker has gotten a hold of your password, logged in, and then changed the password—thus locking you out and giving them control of your account.
Hackers often compromise email accounts to spread malware on a large scale. By blasting emails to everyone on your hacked contact list, they can reach dozens, even hundreds, of others with a bogus email that may include an attachment that’s infected with malware. And no doubt about it, some of those emails can look a little odd. They don’t sound or read at all like the person they’re trying to impersonate—you—to the extent that some of your contacts may ask if this email really came from you.
On the flip side, this is a good reason to never open attachments you weren’t expecting. Likewise, if you get a somewhat strange email from a friend or business contact, let them know. You may be the first indication they get that their email has been compromised.
A sluggish device could be a sign of malware in general. The thing with malware is that it tends to act like a system and resource hog, which may cause your device to run slowly, to turn off and on again suddenly, or even run hot. In some cases, the malware is logging keystrokes on your computer or taps on your phone to siphon off things like usernames and passwords so that a hacker can take control of the accounts associated with them—such as your email, not to mention your bank accounts. This makes a strong case for antivirus and antimalware protection that’s automatically kept up to date to protect against the latest threats.
Change your password for your email account if you can. Make it a strong, unique password—don’t reuse a password from another account. Next, update the passwords for other accounts if you use the same or similar passwords for them. (Hackers count on people using simpler and less unique passwords across their accounts—and on people reusing passwords in general.) A password manager that’s included with comprehensive online protection software can do that work for you.
In the case where you’ve been locked out of your account because you think the hacker has changed the password, your email provider should have a webpage dedicated to recovering your account in the event of a lost or stolen password. (For example, Google provides this page for users of Gmail and their other services.) This is a good reason to keep your security questions and alternate contact information current with your provider, as this is the primary way to regain control of your account.
As mentioned above, a big part of the hacker’s strategy is to get their hooks into your address book and spread malware to others. As quickly as you can, send a message to all your email contacts and let them know that your email has been compromised. And if you’ve done so, let them know that you’ve reset your password so that your account is secure again. Likewise alert them that they shouldn’t open any emails or attachments from you that were sent during the time your account was compromised.
Also as mentioned above, there are several ways that a hacker can get a hold of your email account information—one of them by using malware. Give your device a thorough virus scan with comprehensive online protection software to ensure your device is free from malware. Set up a regular scan to run automatically if you haven’t already. That will help keep things clean in the long run.
Sometimes one bad hack leads to another. If someone has access to your email and all the messages in it, they may have what they need to conduct further attacks. Take a look at your other accounts across banking, finances, social media, and other services you use and keep an eye out for any unusual activity.
More broadly speaking, your email account is one of the several pieces that make up the big picture of your online identity. Other important pieces include your online banking accounts, online shopping accounts, and so on. No question about it, these are things you want to keep tabs on.
With that, check your credit report for any signs of strange activity. Your credit report is a powerful tool for spotting identity theft. And in many cases, it’s free to do so. In the U.S., the Fair Credit Reporting Act (FCRA) requires the major credit agencies to provide you with a free credit check at least once every 12 months. Canada provides this service, and the UK has options to receive free reports as well, along with several other nations. It’s a great idea to check your credit report, even if you don’t suspect a problem.
Beyond keeping tabs on your identity, you can protect it as well. Online identity protection such as ours can provide around-the-clock monitoring of your email addresses and bank accounts with up to $1M of ID theft insurance in the event your identity gets compromised. Additionally, it can put an identity recovery pro on the case if you need assistance in the wake of an attack or breach. Taking a step like this can help keep your email account safer from attack in the first place—along with many others as well.
The post My email has been hacked! What should I do next? appeared first on McAfee Blog.
Can thieves steal identities with only a name and address?
In short, the answer is “no.” Which is a good thing, as your name and address are in fact part of the public record. Anyone can get a hold of them. However, because they are public information, they are still tools that identity thieves can use.
If you think of your identity as a jigsaw puzzle, your name and address are the first two pieces that they can use to build a bigger picture and ultimately put your identity at risk.
With that, let’s look at some other key pieces of your identity that are associated with your name and address—and what you can do to protect them.
For starters, this information is so general that it is of little value in of itself to an identity thief. Yet a determined identity thief can do a bit of legwork and take a few extra steps to use them as a springboard for other scams.
For example, with your name and address a thief could:
There are volumes of public information that are readily available should someone want to add some more pieces to your identity jigsaw puzzle, such as:
In the U.S., the availability of such information will vary from state-to-state and different levels of government may have different regulations about what information gets filed—in addition to whether and how those reports are made public. Globally, different nations and regions will collect varying amounts of public information and have their own regulations in place as well. More broadly, though, many of these public databases are now online. Consequently, accessing them is easier than the days when getting a hold of that information required an in-person visit a library or public office.
Thieves can gain additional information about you from other online sources, such as data brokers. And data brokerage is a big business, a global economy estimated at $200 billion U.S. dollars a year. What fuels it? Personal information, representing thousands of data points on billions of people scraped from public records, social media, smartphone apps, shopper loyalty cards, third-party sources, and sometimes other data broker sites as well.
The above-the-board legal intent of data broker sites is to sell that information to advertisers so that they can create highly targeted campaigns based on people’s behaviors, travels, interests, and even political leanings. Others such as law enforcement officials, journalists, and others who are conducting background checks will use them too.
On the dark side, hackers, scammers, and thieves will buy this information as well, which they can use to commit identity theft and fraud. The thing is, data brokers will sell to anyone. They don’t discriminate.
Phishing attacks aren’t just for email, texts, and direct messages. In fact, thieves are turning to old tricks via old-fashioned physical mail. That includes sending phony offers or by impersonating officials of government institutions, all designed to trick you into giving up your personally identifiable information (PII).
What might that look like in your mailbox? They can take the form of bogus lottery prizes that request bank information for routing (non-existent) winnings. Another favorite of scammers are bogus tax notifications that demand immediate payment. In all, many can look quite convincing at first blush, yet there are ready ways you can spot them. In fact, many of the tips for avoiding these physical mail phishing attacks are the same for avoiding phishing attacks online, which we outline in detail here.
Recently, I’ve seen a few news stories like this where thieves reportedly abuse the change-of-address system with the U.S. Postal Service. Thieves will simply forward your mail to an address of their choosing, which can drop sensitive information like bank and credit card statements in their mailbox. From there, they could potentially have new checks sent to them or perhaps an additional credit card—both of which they can use to drain your accounts and run up your bills.
The Postal Service has mechanisms in place to prevent this, however. Among which, the Postal Service will send you a physical piece of mail to confirm the forwarding. So, if you ever receive mail from the Postal Service, open it and give it a close look. If you get such a notice and didn’t order the forwarding, visit your local post office to get things straightened out. Likewise, if it seems like you’re missing bills in the mail, that’s another good reason to follow up with your post office and the business in question to see if there have been any changes made in your mail forwarding.
So while your name and address are out there for practically all to see, they’re largely of little value to an identity thief on their own. But as mentioned above, they are key puzzle pieces to your overall identity. With enough of those other pieces in hand, that’s where an identity thief can cause trouble.
Other crucial pieces of your identity include:
Let’s start with the biggest one. This is the master key to your identity, as it is one of the most unique identifiers you have. As I covered in my earlier blog on Social Security fraud, a thief can unlock everything from credit history and credit line to tax refunds and medical care with your Social Security or tax ID number. In extreme cases, they can use it to impersonate you for employment, healthcare, and even in the event of an arrest.
You can protect your Social Security Number by keeping it locked in a safe place (rather than in your wallet) and by providing your number only when absolutely necessary. For more tips on keeping your number safe, drop by that blog on Social Security fraud I mentioned.
Thieves have figured out ways of getting around the fact that IDs like these include a photo. They may be able to modify or emulate these documents “well enough” to pull off certain types of fraud, particularly if the people requesting their bogus documents don’t review them with a critical eye.
Protecting yourself in this case means knowing where these documents are at any time. (With passports, you may want to store those securely like your Social Security or tax ID number.) Also be careful when you share this information, as the identifiers on these documents are highly unique. If you’re uncomfortable with sharing this information, you can ask if other forms of ID might work—or if this information is really needed at all. Also, take a moment to make copies of these documents and store them in a secure place. This can help you provide important info to the proper authorities if they’re lost or stolen.
With data breaches large and small making the news (and many more that do not), keeping a sharp eye on your accounts is a major part of identity theft prevention. We talk about this topic quite often, and it’s worth another mention because protecting these means protecting yourself from thieves who’re after direct access to your finances and more.
Secure your digital accounts for banking, credit cards, financials, and shopping by using strong, unique passwords for each of your accounts that you change every 60 days. Sound like a lot of work? Let a password manager do it for you, which you can find in comprehensive online protection software. By changing your strong passwords and keeping them unique can help prevent you from becoming a victim if your account information is part of a breach—by the time a crook attempts to use it, you may have changed it and made it out of date.
In addition to protecting the core forms of identity mentioned above, a few other good habits go a long way toward keeping your identity secure.
By protecting your devices, you protect what’s on them, like your personal information. Comprehensive online protection software can protect your identity in several ways, like creating and managing the strong, unique passwords we talked about and providing further services that monitor and protect your identity—in addition to digital shredders that can permanently remove sensitive documents (simply deleting them won’t do that alone.) Further, it can monitor your identity and monitor your credit, further protecting you from theft and fraud.
Identity theft where thieves dig through trash or go “dumpster diving” for literal scraps of personal info in bills and statements, has been an issue for some time. You can prevent it by shredding up any paper medical bills, tax documents, and checks once you’re through with them. Paper shredders are inexpensive, and let’s face it, kind of fun too. Also, if you’re traveling, have a trusted someone collects your mail or have the post office put a temporary hold on your mail. Thieves still poach mail from mailboxes too.
Getting statements online cuts the paper out of the equation and thus removes another thing that a thief can physically steal and possibly use against you. Whether you use electronic statements through your bank, credit card company, medical provider, or insurance company, use a secure password and a secure connection provided by a VPN. Both will make theft of your personal info far tougher on identity thieves.
A VPN is a Virtual Private Network, a service that protects your data and privacy online. It creates an encrypted tunnel to keep you more anonymous online by masking your IP address, device information, and the data you’re passing along that connection. In this way, it makes if far more difficult for advertisers, data brokers, and bad actors to skim your private information—in addition to shielding your information from crooks and snoops while you’re banking, shopping, or handling any kind of sensitive information online.
Give your statements a close look each time they come around. While many companies and institutions have fraud detection mechanisms in place, they don’t always catch every instance of fraud. Look out for strange purchases or charges and follow up with your bank or credit card company if you suspect fraud. Even the smallest charge could be a sign that something shady is afoot.
This is a powerful tool for spotting identity theft. And in many cases, it’s free to do so. In the U.S., the Fair Credit Reporting Act (FCRA) requires the major credit agencies to provide you with a free credit check at least once every 12 months. Canada provides this service, and the UK has options to receive free reports as well, along with several other nations. It’s a great idea to check your credit report, even if you don’t suspect a problem.
If the thought of your personal info being bought and sold puts you off, there’s something you can do about it. Our Personal Data Cleanup service can scan some of the riskiest data broker sites and show you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites, and with select products, it can even manage the removal for you.
While thieves need more than just your name and address to commit the overwhelming majority of fraud, your name and address are centerpieces of the larger jigsaw puzzle that is your overall identity.
And the interesting thing is your puzzle gets larger and larger as time goes on. With each new account you create and service that you sign into, that’s one more piece added to the puzzle. Thieves love getting their hands on any pieces they can because with enough of them in place they can try and pull a fast one in your name. By looking after each piece and knowing what your larger jigsaw puzzle looks like, you can help keep identity thieves out of your business and your life.
The post Can Thieves Steal Identities With Only a Name and Address? appeared first on McAfee Blog.
Spyware is tricky. Some types notify users that they’re monitoring activity. Others function in stealth mode and use the information they collect for nefarious purposes. Spyware is a type of software that collects data about online users and reports it to a company or an individual. What just about everyone can agree on is that anonymous browsing is looking more and more appealing and is likely the way of the future.
Here’s more about the types of spyware, which types are legal, and how you can scrub your device and live more confidently online.
Here are a few types of spyware and facts about each:
Is it legal? Definitely not!
What is its purpose? Criminal
Keyloggers are the most intrusive of the spyware variations. It does exactly as its name suggests: It takes note of keyboard strokes, logs them, and reports to the owner of the nefarious software. Once the cybercriminal has digitally looked over your shoulder at your online activity, they make note of your passwords, walk into your online accounts, and pilfer your private personal information. They could use this information to gain entry to your online bank accounts or steal your identity.
Keyloggers are downloaded onto devices (cellphones, tablets, laptops, or desktop computers) without the user’s knowledge. Cybercriminals can hide them within email attachments or in malicious web pages. So, the best way to steer clear of keyloggers is to never download attachments you’re unsure about and don’t visit sites that seem unprofessional. One rule of thumb is to mostly stick to URLs that begin with https and include a lock icon. These sites are almost always secure.
To determine if your device is infected with a keylogger, check your system’s performance. Is your device running slowly? See if there are any spikes in activity or unknown programs running in the background. This could indicate that your device is hosting a malicious program.
Is it legal? Sometimes
What is its purpose? Advertising and criminal
Adware is categorized as a type of spyware. It tracks users’ online activity and spits out targeted pop-up advertisements. If you have the pop-up blocker enabled on your browser, you’ll likely be spared from the annoyance. Additionally, pop-ups can slow your device, so that’s another reason to turn on the pop-up blocking feature. Legitimate adware often asks users to opt into targeted ads.
Adware turns malicious (and illegal) when it contains malware. Sometimes cyber criminals hide malware within pop-ups. It’s easy to accidentally hit a link within a pop-up when you’re aiming quickly for the X to close it.
It’s easy to spot a device with an adware infestation. First, the number of pop-ups will be out of control. Also, the device will crash often, run very slowly, and have a short battery life. An antivirus program will likely be able to identify and remove the culprit. You can also check out your system monitor and end tasks that are draining your device’s power.
Is it legal? Yes
What is its purpose? Advertising
Cookies are delicious, especially to advertisers who use them to better target ads and make profits selling collected user data to third-party companies. Cookies are sometimes categorized as spyware, because they log the websites you visit and report them. You may notice the banners on websites that ask you to accept cookies.
Many users today are uneasy with sharing their online activity with strangers and advertisers. Sometimes the ads that pop up on your social media feed or in sidebars seem a little too targeted and it feels like someone is listening in to your conversations and attempting to make a profit from them.
How to Browse Free of Spyware
To scrub cybercriminals from your devices and confuse advertisers, consider the following steps you can easily add to your daily routine:
The post How to Live a Digital Life Free of Spyware appeared first on McAfee Blog.
What do social media companies really know about you? It’s a fair question. And the quick answer is this: the more you use social media, the more those companies likely know.
The moment you examine the question more closely, the answer takes on greater depth. Consider how much we use social media for things other than connecting with friends. While that was the original intent behind social networks, the role of social media has since evolved into something far more expansive. We use it to get our news, stay up to date on when artists will drop a new release, and sometimes reach out for customer service on a company’s social media page. In some cases, we use our social media accounts to log into other sites and apps or we even make payments through social media.
Taken together, all of those likes, taps, clicks, links, and time spent reading or watching videos can add up and paint a detailed picture of who you are.
Why are they collecting all this information? Largely, it’s for two reasons:
1. To make improvements to their platform, by better understanding your behavior and ways you like to use their service.
2. To create an exacting user profile that advertisers can use for targeting ads that they think will interest you.
That’s the exchange in play here. You use the company’s social media service for free, and in return, they gain rights to gather specific information about you, which you consent to by agreeing to their terms of service.
Let’s get into the details of what social media companies may collect and know about you—along with ways you can limit the data and information they gather.
Different social media platforms have different user agreements that cover what types of information they collect and use. For starters, we’ll speak broadly about social media companies in general, and then we’ll weave in a few specific examples along the way. Generally, they may know:
We collect information about how you use our Products, such as the types of content you view or engage with; the features you use; the actions you take; the people or accounts you interact with; and the time, frequency and duration of your activities.
When you communicate with others by sending or receiving Direct Messages, we will store and process your communications and information related to them. This includes link scanning for malicious content, link shortening to http://t.co URLs, detection of spam, abuse and prohibited images, and use of reported issues. We also use information about whom you have communicated with and when (but not the content of those communications) to better understand the use of our services, to protect the safety and integrity of our platform, and to show more relevant content.
If you use our Products for purchases or other financial transactions (such as when you make a purchase in a game or make a donation), we collect information about the purchase or transaction. This includes payment information, such as your credit or debit card number and other card information; other account and authentication information; and billing, shipping and contact details.
By the way, none of this is secret. What I’ve listed here can be found by simply reading the terms of use posted by various social media companies. Note that these terms of use can and do change. Checking up on them regularly will help you understand what is being collected and how it may be used.
This nearly goes without saying, yet another layer of data and information collection comes by way of the pictures and updates you post. Per Instagram (as of October 2021):
We collect the content, communications and other information you provide when you use our Products, including when you sign up for an account, create or share content, and message or communicate with others. This can include information in or about the content you provide (like metadata), such as the location of a photo or the date a file was created.
Another consideration is how the content you interact with on other sites may be shared with social media companies in return. Some social media companies partner with other third parties to gather this data, which is used to round out your user profile in yet more detail. That information can include purchases you made, how often you visited that third party’s site, and so on.
In the case of Facebook, they refer to this as “Off-Facebook Activity.” In their words:
Off-Facebook activity includes information that businesses and organizations share with us about your interactions with them. Interactions are things like visiting their website or logging into their app with Facebook. Off-Facebook activity does not include customer lists that businesses use to show a unique group of customers relevant ads.
The good news here is that you can take control of the Off-Facebook Activity setting with a few clicks.
No doubt about it, the content you create and interact with, both on the social media sites and sometimes off of them as well, can generate information about you that’s collected by social media companies.
Short of deleting your accounts altogether, there are several things you can do to take control and limit the amount of information you share.
For example, you can visit your Facebook Settings, Instagram Settings, and Twitter Settings, which each gives you options for managing your information—or download it and even delete it from their platform outright if you wish. (Note that this will likely only delete data associated with your account. Content you posted or shared with other people on their accounts will remain.)
As noted above, this isn’t an absolute fix because social media companies can infer your location other ways. Yet taking this step gives them one less piece of exacting information about you.
Each platform will have its own settings and options, so give them a look. Here, you can determine which information advertisers are allowed to use to serve up ads to you, set rules for facial recognition, enable or disable location history, and much more. If possible, do this from your computer or laptop rather than your smartphone. Often, the account controls that you can access from a computer browser are far more comprehensive than the ones in a mobile app.
Using direct messaging on social media platforms may tell social media companies even more about you and who you interact with. When possible, think about using text messaging instead or other means of communication that aren’t tied to a social media company.
Some apps and sites will allow you to use your social media login instead of creating a new one. While convenient, this can provide the social media company with more information about you. Additionally, if your social media account is compromised, it could compromise the other accounts that are tied to it as well. Check your settings and look for “Apps and Websites” to see what’s connected to your social media account, what’s being shared, and how you can disable it.
Protection like ours will include a VPN, which anonymizes your online activity and thus may shield you from certain types of information collection, such as your location. Additionally, using online protection software is simply a good move because it can create and store strong, unique passwords for you, steer you clear of risky sites, protect your identity, and make your time online safer overall.
The very nature of social media is sharing and exchanging. That’s the draw it has—the way it keeps us connected to the people, pastimes, and things we care about. Yet that exchange runs deeper. In return for using these free services, social media companies collect information on us which they use to improve their platforms and generate revenue. It’s all there for you to see in the various terms of use associated with your social media accounts. In short, using social media means sharing information about yourself with social media companies.
Yet you can do several things to reduce the amount of information that social media companies know about you. By spending some time on the account and privacy settings for each of your social media accounts, you can determine what information you’re providing to them and get a much better sense of what social media companies know about you.
The post What Do Social Media Companies Know About You? appeared first on McAfee Blog.
In the hands of a thief, your Social Security Number is the master key to your identity.
With a Social Security Number (SSN), a thief can unlock everything from credit history and credit line to tax refunds and medical care. In extreme cases, thieves can use it to impersonate others. So, if you suspect your number is lost or stolen, it’s important to report identity theft to Social Security right away.
Part of what makes an SSN so powerful in identity theft is that there’s only one like it. Unlike a compromised credit card, you can’t hop on the phone and get a replacement. No question, the theft of your SSN has serious implications. If you suspect it, report it. So, let’s take a look at how it can happen and how you can report identity theft to Social Security if it does.
Yes. Sort of. The Social Security Administration can assign a new SSN in a limited number of cases. However, per the SSA, “When we assign a different Social Security number, we do not destroy the original number. We cross-refer the new number with the original number to make sure the person receives credit for all earnings under both numbers.”
In other words, your SSN is effectively forever, which means if it’s stolen, you’re still faced with clearing up any of the malicious activity associated with the theft potentially for quite some time. That’s yet another reason why the protection of your SSN deserves particular attention.
There are several ways an SSN can end up with a thief. Some involve physical theft, and others can take the digital route. To what extent are SSNs at risk? Notably, there was the Equifax breach of 2017, which exposed some 147 million SSNs. Yet just because an SSN has been potentially exposed does not mean that an identity crime has been committed with it.
So, let’s start with the basics: how do SSNs get stolen or exposed?
That’s quite the list. Broadly speaking, the examples above give good reasons for keeping your SSN as private and secure as possible. With that, it’s helpful to know that there are only a handful of situations where your SSN is required for legitimate purposes, which can help you can make decisions about how and when to give it out. The list of required cases is relatively short, such as:
You’ll notice that places like doctor’s offices and other businesses are not listed here, though they’ll often request an SSN for identification purposes. While there’s no law preventing them from asking you for that information, they may refuse to work with you if you do not provide that info. In such cases, ask what the SSN would be used for and if there is another form of identification that they can use instead. In all, your SSN is uniquely yours, so be extremely cautious in order to minimize its potential exposure to theft.
Let’s say you spot something unusual on your credit report or get a notification that someone has filed a tax return on your behalf without your knowledge. These are possible signs that your identity, if not your SSN, is in jeopardy, which means it’s time to act right away using the steps below:
File a police report and a Federal Trade Commission (FTC) Identity Theft Report. This will help in case someone uses your Social Security number to commit fraud, since it will provide a legal record of the theft. The FTC can also assist by guiding you through the identity theft recovery process as well. Their site really is an excellent resource.
Get in touch with the fraud department at each of the businesses where you suspect theft has taken place, let them know of your situation, and follow the steps they provide. With your police and FTC reports, you will already have a couple of vital pieces of information that can help you clear your name.
Check your Social Security account to see if someone has gotten a job and used your SSN for employment purposes. Reviewing earnings associated with your SSN can uncover fraudulent use. You can also contact the Social Security Fraud Hotline at (800) 269-0271 or reach out to your local SSA office for further, ongoing assistance. Likewise, contact the Internal Revenue Service at (800) 908-4490 to report the theft and help prevent someone from submitting a tax return in your name.
As we’ve talked about in some of my other blog posts, identity theft can be a long-term problem where follow-up instances of theft can crop up over time. However, there are a few steps you can take to minimize the damage and ensure it doesn’t happen again. I cover several of those steps in detail in this blog here, yet let’s take a look at a few of the top items as they relate to SSN theft:
By placing a fraud alert, you can make it harder for thieves to open accounts in your name. Place it with one of the three major credit bureaus (Experian, TransUnion, Equifax), and they will notify the other two. During the year-long fraud alert period, it will require businesses to verify your identity before issuing new credit in your name.
A full credit freeze is in place until you lift it and will prohibit creditors from pulling your credit report altogether. This can help stop thieves dead in their tracks since approving credit requires pulling a report. However, this applies to legitimate inquires, including any that you make, like opening a new loan or signing up for a credit card. If that’s the case, you’ll need to take extra steps as directed by the particular institution or lender. Unlike the fraud alert, you’ll need to notify each of the three major credit bureaus (Experian, TransUnion, Equifax) when you want the freeze lifted.
Once every 12 months, you can access a free credit report from Experian, TransUnion, and Equifax. (And as of this writing during the pandemic, this can be done for free on a weekly basis, which is great news.) Doing so will allow you to spot any future discrepancies and offer you options for correcting them.
Using a service to help protect your identity can monitor several types of personally identifiable information and alert you of potentially unauthorized use. Our own Identity Protection Service will do all this and more, like offering guided help to neutralize threats and prevent theft from happening again. You can set it up on your computers and smartphone to stay in the know, address issues immediately, and keep your identity secured.
Of all the forms of identity theft, the theft of a Social Security Number is certainly one of the most potentially painful because it can unlock so many vital aspects of your life. It’s uniquely you, even more than your name alone – at least in the eyes of creditors, banks, insurance companies, criminal records, etc. Your SSN calls for extra protection, and if you have any concerns that it may have been lost or stolen, don’t hesitate to spring into action.
The post How to Report Identity Theft to Social Security appeared first on McAfee Blog.
When it comes to identity theft, trust your gut when something doesn’t feel right. Follow up. What you’re seeing could be a problem.
A missing bill or a mysterious charge on your credit card could be the tip of an identity theft iceberg, one that can run deep if left unaddressed. Here, we’ll look at several signs of identity theft that likely need some investigation and the steps you can take to take charge of the situation.
Unfortunately, it can happen in several ways.
In the physical world, it can happen simply because you lost your wallet or debit card. However, there are also cases where someone gets your information by going through your mail or trash for bills and statements. In other more extreme cases, theft can happen by someone successfully registering a change of address form in your name (although the U.S. Postal Service has security measures in place that make this difficult).
In the digital world, that’s where the avenues of identity theft blow wide open. It could come by way of a data breach, a thief “skimming” credit card information from a point-of-sale terminal, or by a dedicated crook piecing together various bits of personal information that have been gathered from social media, phishing attacks, or malware designed to harvest information. Additionally, thieves may eavesdrop on public Wi-Fi and steal information from people who’re shopping or banking online without the security of a VPN.
Regardless of how crooks pull it off, identity theft is on the rise. According to the Federal Trade Commission (FTC), identity theft claims jumped up from roughly 650,000 claims in 2019 to nearly 1.4 million in 2020—practically double. Of the reported fraud cases where a dollar loss was reported, the FTC calls out the following top three contact methods for identity theft:
However, phone calls, texts, and email remain the most preferred contact methods that fraudsters use, even if they are less successful in creating dollar losses than malicious websites, ads, and social media.
Identity thieves leave a trail. With your identity in hand, they can charge things to one or more of your existing accounts—and if they have enough information about you, they can even create entirely new accounts in your name. Either way, once an identity thief strikes, you’re probably going to notice that something is wrong. Possible signs include:
As you can see, the signs of possible identity theft can run anywhere from, “Well, that’s strange …” to “OH NO!” However, the good news is that there are several ways to check if someone is using your identity before it becomes a problem – or before it becomes a big problem that gets out of hand.
The point is that if you suspect fraud, you need to act right away. With identity theft becoming increasingly commonplace, many businesses, banks, and organizations have fraud reporting mechanisms in place that can assist you should you have any concerns. With that in mind, here are some immediate steps you can take:
Whether you spot a curious charge on your bank statement or you discover what looks like a fraudulent account when you get your free credit report, let the bank or business involved know you suspect fraud. With a visit to their website, you can track down the appropriate number to call and get the investigation process started.
Some businesses will require you to file a local police report to acquire a case number to complete your claim. Even beyond a business making such a request, filing a report is still a good idea. Identity theft is still theft and reporting it provides an official record of the incident. Should your case of identity theft lead to someone impersonating you or committing a crime in your name, filing a police report right away can help clear your name down the road. Be sure to save any evidence you have, like statements or documents that are associated with the theft. They can help clean up your record as well.
The FTC’s identity theft website is a fantastic resource should you find yourself in need. Above and beyond simply reporting the theft, the FTC can provide you with a step-by-step recovery plan—and even walk you through the process if you create an account with them. Additionally, reporting theft to the FTC can prove helpful if debtors come knocking to collect on any bogus charges in your name. You can provide them with a copy of your FTC report and ask them to stop.
You can place a free one-year fraud alert with one of the major credit bureaus (Experian, TransUnion, Equifax), and they will notify the other two. A fraud alert will make it tougher for thieves to open accounts in your name, as it requires businesses to verify your identity before issuing new credit in your name.
A credit freeze goes a step further. As the name implies, a freeze prohibits creditors from pulling your credit report, which is needed to approve credit. Such a freeze is in place until you lift it, and it will also apply to legitimate queries as well. Thus, if you intend to get a loan or new credit card while a freeze is in place, you’ll likely need to take extra measures to see that through. Contact each of the major credit bureaus (Experian, TransUnion, Equifax) to put a freeze in place or lift it when you’re ready.
This can run the gamut from closing any false accounts that were set up in your name, removing bogus charges, and correcting information in your credit report such as phony addresses or contact information. With your FTC report, you can dispute these discrepancies and have the business correct the record. Be sure to ask for written confirmation and keep a record of all documents and conversations involved.
If you receive a notice from the IRS that someone used your identity to file a tax return in your name, follow the information provided by the IRS in the notice. From there, you can file an identity theft affidavit with the IRS. If the notice mentions that you were paid from an employer you don’t know, contact that employer as well and let them know of possible fraud—namely that someone has stolen your identity and that you don’t truly work for them.
Also, be aware that the IRS has specific guidelines as to how and when they will contact you. As a rule, they will most likely contact you via physical mail delivered by the U.S. Postal Service. (They won’t call or apply harassing pressure tactics—only scammers do that.) Identity-based tax scams are a topic all of their own, and for more on it, you can check out this article on tax scams and how to avoid them.
Another downside of identity theft is that it can mark the start of a long, drawn-out affair. One instance of theft can possibly lead to another, so even what may appear to be an isolated bad charge on your credit card calls for keeping an eye on your identity. Many of the tools you would use up to this point still apply, such as checking up on your credit reports, maintaining fraud alerts as needed, and reviewing your accounts closely.
With all the time we spend online as we bank, shop, and simply surf, we create and share all kinds of personal information—information that can get collected and even stolen. The good news is that you can prevent theft and fraud with online protection software, such as McAfee+ Ultimate.
With McAfee+ Ultimate you can:
In all, it’s our most comprehensive privacy, identity, and device protection plan, built for a time when we rely so heavily on the internet to go about our day, whether that’s work, play, or simply getting things done.
Realizing that you’ve become a victim of identity theft carries plenty of emotion with it, which is understandable—the thief has stolen a part of you to get at your money, information, and even reputation. Once that initial rush of anger and surprise has passed, it’s time to get clinical and get busy. Think like a detective who’s building – and closing – a case. That’s exactly what you’re doing. Follow the steps, document each one, and build up your case file as you need. Staying cool, organized, and ready with an answer for any questions you’ll face in the process of restoring your identity will help you see things through.
Once again, this is a good reminder that vigilance is the best defense against identity theft from happening in the first place. While there’s no absolute, sure-fire protection against it, there are several things you can do to lower the odds in your favor. And at the top of the list is keeping consistent tabs on what’s happening across your credit reports and accounts.
The post Top Signs of Identity Theft appeared first on McAfee Blog.
What was the first online service that you signed up for? Perhaps it was your middle school email address (“soccerloveR1450@hotmail.com” anyone?) or your very first Tumblr or Myspace account. Whatever it was, it’s likely that you haven’t used these accounts in years — but did you ever actually delete the account?
Over the past decade, you’ve likely collected various online accounts that you no longer use. But just because you stop using an account doesn’t mean that it doesn’t exist — and your data is likely still floating around on the World Wide Web. These old “zombie” accounts haunt your digital graveyard and are easy pickings for cybercriminals.
Today, most websites and apps either require or strongly encourage their visitors to create user accounts. Almost always, exchanging an email address for an exclusive offer seems a fair tradeoff. As a result, consumers quickly accumulate accounts, many of which they may not even remember creating.
According to Digital Guardian, 70% of consumers have more than 10 password-protected online accounts, and 30% have too many to keep track of. These accounts are comprised of free trials, stores that you no longer purchase from, one-time accounts that you create to buy something, gaming platforms, and apps that you only used a few times. While they may have once served a purpose, you no longer need them.
The problem with zombie accounts is that they contain credentials at risk of exposure. Say that you sign up for a free week trial of a meal kit delivery service. When creating your account, you include information like your email address, password, phone number, delivery address, and credit card information. Once your trial expires, you decide not to sign up for a membership, but your account information remains online. If the meal kit company is involved in a data breach, your personal data could be leaked and exploited by cybercriminals. And if you happen to reuse the same credentials across multiple accounts, a criminal could use credential stuffing techniques (where they use email and password combinations to hack into online profiles) to break into your other accounts.
So, how can you keep protect your online data and prevent a zombie account apocalypse? Follow these cybersecurity best practices to help keep your information secure:
Don’t remember which accounts you made and no longer use? No worries! If you browse with Google Chrome, check under chrome > settings > passwords. This will show all the accounts and passwords you’ve used and saved. Other browsers like Firefox and Safari have similar settings. If you use a password manager, this will also keep a record of your credentials. Once you’ve identified the online accounts you no longer used (or completely forgot you had), close the account for good! This may take some patience, as some websites require multiple steps to close an account. But it will be worth knowing that your information is safer from online exposure.
Having a strong, unique password for each of your online accounts helps protect them from credential stuffing. By using different passwords for your online accounts, you can take comfort in knowing that the majority of your data is secure if one of your accounts is vulnerable.
If you realize a company you buy from fell victim to a data breach, start investigating. A tool like McAfee Identity Protection Service can help you monitor multiple email addresses that allow you to see if you were impacted by a breach. If your credentials were potentially exposed, update them on the company’s website immediately.
Multifactor authentication is an online safety measure where more than one method of identity verification is needed to access the valuable information that lies within password-protected accounts. This can prevent a criminal from breaking into your online profile by providing an added layer of security.
McAfee Total Protection will help protect your personal information and privacy and provides identity restoration services and invaluable peace of mind. Ninety-two percent of Canadians are concerned about the protection of their privacy and 37% are extremely concerned, reports the Canadian Centre for Cybersecurity. All it takes is a few changes to your online habits and arming yourself with the right tools to feel secure about your online presence.
The post Don’t Let Old Accounts Haunt You: How to Maintain Your Digital Graveyard appeared first on McAfee Blog.
When you’re online, the world is at your fingertips. You can do amazing things like stream the latest movies while they’re still in theaters! Or you can enjoy the convenience of online shopping and avoiding the DMV by renewing your driver’s license remotely. This is possible because we’re able to communicate with these organizations through many different channels and we trust them. Unfortunately, many bad actors have taken advantage of this trust and the ease of communication to up their game when it comes to social engineering.
What is social engineering? One of the more famous examples of social engineering was the Nigerian Prince email scam. In this example, hackers relied on a novel, too-good-to-be-true story of a prince looking to transfer some of his fortune if only he could use your bank account number. The Nigerian Prince is a running joke these days, the internet version of “if you believe that, then I have a bridge to sell you,” but its original success made scammers realize they were onto something big.
Modern social engineering campaigns closely resemble communications from legitimate organizations. They’re carefully designed, may be grammatically correct, and appear in completely plausible scenarios. However, they’re all after the same thing – information to gain access to an organization or individual’s accounts.
Phishing is a type of social engineering that uses email or websites to convince people to give up their personal information, under the guise of a plausible reason. Instead of a Nigerian prince asking for a bank account number, an email posing as your bank may ask for you to confirm your account information. Often these emails are tied to circumstances that demand your attention and reflect a sense of urgency. Needless to say, many recent phishing scams have played into COVID-19 pandemic fears and economic concerns. Here are a few other scams related to phishing to watch out for:
First, does the message you’ve received contain any of the following:
If so, check for these tell-tale signs used by phishing scams
If the email you’re suspicious of has several of the above warning signs, chances are you’ve spotted a phishing email. Still not sure what we’re talking about? Check in your email’s spam and you’ll probably see some obvious examples of phishing right away. Spam doesn’t catch everything though, and the best phishing scams can be very difficult to separate from the legitimate emails. With that in mind, we’ve pulled together some safety precautions that will help keep you safer, from phishing emails.
The post Staying safer online from phishing and other attacks appeared first on McAfee Blog.
A good time to check if someone is using your identity is before it even happens.
One of identity theft’s several downsides is how people discover they’ve become a victim in the first place—by surprise. They go to rent an apartment, open a line of credit, or apply for financing, only to discover that their finances or reputation has taken a hit because of identity thief.
And those hits add up, particularly when you look at the dollars involved. In 2020, the Federal Trade Commission (FTC) reported $3.3 billion in financial losses from 4.7 million reported cases of fraud, a 45% increase over the year prior. Of those reports, identity theft was the leading fraud category, accounting for 29% of fraud incidents.
Plenty. Depending on the type and amount of information an identity thief gets their hands on, they can harm your finances and reputation in several ways, including:
Rather than ending up with a rude and potentially costly surprise of your own, you can get ahead of thieves by checking to see if someone is using your identity before it’s a problem or before it really takes root.
Major data breaches that expose personal information seem to hit the headlines with some regularity, not to mention the many, many more that don’t get national or international press coverage. Most recently we have the Neiman Marcus breach, where this major retailer alerted 4.6 million customers that “an unauthorized party obtained personal information associated with certain Neiman Marcus customers’ online accounts.”
And as it is with many such breaches, it took quite some time before the theft of information was discovered. Per Neiman Marcus, it’s believed that the breach occurred in May 2020 and only discovered in September of 2021. Potentially compromised information included:
Whether or not you have reason to suspect that your information got caught up in this recent large-scale breach, it serves as a good reminder that any time is the right time to check up on your identity. Acting now can save headaches, potentially big headaches, later.
Quite a bit of identity theft prevention begins with taking stock of the accounts and services you have in your name. This ranges anywhere from bank accounts to public utilities and from credit cards to loans, all of which contain varying degrees of personal information about you. With a sense of where your personal identity is being used, you can better look for instances where it’s being misused.
Ways you can spot for possible identity theft include:
If you stop receiving a bill that normally comes to you, such as a utility bill or for a department store credit card, that could be a sign that a thief has changed the mailing address and has potentially hijacked your identity.
This is rather straightforward, yet it reminds us how important it is to look at our statements closely. Charges that you didn’t ring up or that seem slightly higher than normal are a surefire sign that you should follow up with the bank or company involved and let them know of possible fraud.
In the U.S., you have annual access to free credit reports from the major credit reporting agencies. Not only will this give you a sense of your credit score, but it will also show the credit that’s open in your name, along with addresses associated with your identity. Spotting an account that you haven’t signed up for or seeing an address of a residence that you’re not renting are other common signs that your identity may have been compromised.
With the number of accounts many of us have these days, a credit monitoring service can help you stay on top of what’s happening in your name. Often offered through banks, credit unions, and even insurance providers, credit monitoring can alert you in several instances, including:
Overall, credit monitoring can act as another set of eyes for you and spot potential identity issues. Different services provide different levels of monitoring, so consider reviewing a few options to find the one that works best for you.
One like our own Identity Protection Service will monitor several types of personally identifiable information, alert you of potentially stolen personal info, and offer guided help to neutralize the threat—in addition to offering several preventative steps to help keep theft from happening in the first place. With this set up on your computers and smartphone you can stay in the know and address issues immediately.
Along with keeping an eye on what’s happening with your identity online and elsewhere, there are a few more things you can do to make it tougher for thieves to steal your identity.
Given all the banking and shopping we do on our computers and phones, installing and using comprehensive online protection software is a must these days. It puts several layers of security in place, such as creating complex passwords automatically, shielding credit card info from prying eyes, and protecting your privacy and data online by connecting with a VPN. In short, online protection software acts as a solid first line of defense.
As mentioned above, comprehensive online protection software often includes a password manager that can generate strong, unique passwords for each of your accounts and remember them for you. It’s extra protection that makes life a lot easier for you by managing all the accounts you’re juggling. Also, use MFA (multi-factor authentication) on the accounts that give you the option, which makes it harder for a thief to crack your accounts with a password alone.
Sensitive documents come in all forms. Top-of-the-line examples include things like tax returns, bank statements, and financial records. Yet there are also things like your phone and utility bills, statements from your doctor’s office, and offers that come to you via mail. Together, these things can contain personal information such as account numbers, your full Social Security Number, the last four digits of your Social Security Number (which can still be useful to thieves), and other information that may uniquely identify you. You’ll want to dispose of sensitive documents like these so that they can’t be harvested by hackers.
For physical documents, consider the low-cost investment of a paper shredder to help ensure they don’t fall into the wrong hands when you are done with them. (And let’s face it, they’re fun to use!) For digital documents, simply deleting a file is not enough – online protection software is a great resource that often includes a digital document shredder, designed to render the data practically unusable when you’re ready to trash the file.
Your Social Security Number is one of the most prized possessions a thief can run away with because it is so closely associated with you and things like your tax returns, employment, and so on. Keep it stored in a safe location rather than on your person or in your wallet. Likewise, be careful about giving out your SSN. While organizations like the IRS, your bank, and employer require it, there are other organizations who do not—but may ask for it anyway. (Doctor’s offices are a prime example.) If you get such a request, ask them what they intend to use it for and then ask if another form of identification will work instead.
Phishing attacks are one of the primary ways identity thieves steal personal information. Whether they come via a direct message, on social media, or through email, text, or phone calls, thieves use them to harvest your personal info by posing as a legitimate organization—such as in this recent IRS phishing scam. Phishing is a topic all unto itself, and you can check out this quick read to see how you can spot phishing scams and protect yourself from them.
Like any criminal, identity thieves do their dirtiest work in the shadows—quietly stealing money under your nose, or worse, as we outlined above. By shining a light on your identity and keeping regular track of what’s happening with it, you can spot unusual activity right away. Even the small stuff is important. A co-worker of mine once saw an incorrect address listed on his credit report. Turned out, that address was used to rack up several large charges at a retailer, which he was able to fix with the aid of the credit reporting agency and the retailer in question.
No doubt about it. Identity theft is indeed on the rise, and your best bet to avoid such a nasty surprise is to keep an eye on your digital identity the same way you keep an eye on your actual wallet.
The post How to Check if Someone is Using Your Identity appeared first on McAfee Blog.
The latest gadget on the tech and fashion streets is Ray-Ban Stories, a sunglasses collaboration between Facebook and Ray-Ban. These pair of shades feature two cameras that capture video, audio, and photos and sync to a mobile app. Social media fanatics are excited about this new ability to capture and share hands-free content.
Do gadgets like Ray-Ban Stories make you immediately think, “Cool, but what about the security and privacy red flags?” If so, you may be suited to a career in cybersecurity. Everyone benefits from implementing cybersecurity best practices into their daily lives, and those who enjoy a career in the field experience many benefits.
Check out these four benefits of a career in cybersecurity and discover if this might be the path for you.
One of the best things about working in cybersecurity is you go to work every day knowing that you’re helping people. Nightly news broadcasts are littered with reports of major disruptions caused by cyberattacks, such as the Colonial Pipeline incident. Sometimes, even people’s lives are at stake in the cybersecurity realm, as in the case of connected pacemaker security vulnerabilities.
Cybersecurity professionals can feel good that their work gives people the confidence to go about their daily lives without worrying. The fear of identity theft, phishing, and malware stop people from enjoying their connected devices and the internet to the fullest. Technology is capable of incredible feats, and everyone should be able to use it enthusiastically.
Saving the world from cybercriminals is financially rewarding as well as personally rewarding. Cybersecurity professionals are in high demand as nearly every business in every sector is at risk of a breach, DDoS, or ransomware attack at any time. Average entry-level positions begin over $80k CDN. Seasoned professionals can make six figures. Additionally, cybersecurity professionals are in high demand, so you will likely enjoy solid job security.
3. Work in a Global Industry
Another benefit of a career in cybersecurity is the opportunity to work in a global industry. You’ll get to meet coworkers and clients all over the world. The diversity of outlooks and backgrounds can make every day a learning experience.
If you’re a keen traveler, working in cybersecurity allows you to explore the world. First, much of the work you would be completing can be done remotely. As long as you have a secure and strong internet connection and are OK with time zone differences, you may be able to work from anywhere. Also, there are opportunities for trips to international conferences and meetups with satellite offices or clients.
Working in a global industry means that you can be a cybersecurity ambassador for your home country. For example, if your home country has devised an innovative new technology, you may have the opportunity to teach others abroad. Or, if another country has developed an exciting new technology, you can learn about it and perhaps tailor it to your location.
Cybersecurity is a highly specialized field, which means there is definitely a branch of it that plays to your strengths and interests you. Also, if you get tired of one aspect of the field, you can likely stay with your same company but move to a different department.
Here are a few areas of cybersecurity specializations that may speak to you:
McAfee can help you achieve your cybersecurity career aspirations. It’s an exciting, fast-paced field, and McAfee is at the forefront of new innovations. Check out current McAfee career openings and embark on your new career today!
The post How to Start a Career in Cybersecurity appeared first on McAfee Blogs.
When it comes to crime, what do people worry about most? Having their car stolen? A break-in while they’re not at home? Good answers, but not the top answer by a long shot. In this U.S.-based survey, hacker-related crime weighed in at 72%, with a home burglary at 35% and auto theft at 34%, indicating that people’s concerns about cybercrime are very much front and center.
The good news is that plenty of cybercrime can be prevented, or at least made less likely, provided you protect yourself online, much in the same way you take steps to protect your car or home. And that’s the focus of this year’s Cybersecurity Awareness Month. With the theme of “Do Your Part. #BeCyberSmart,” it reminds us of how we can take charge of our own safety—the ways we can look out for ourselves and others as we enjoy our time online.
Throughout October, we’re participating in Cybersecurity Month here on our blogs and across our social media channels, posting a host of ways that you can help keep cybercrooks away from your digital doorstep. Each week, we’ll tackle a different aspect of online protection:
Maybe it comes as no surprise to hear it, yet one recent study shows the average person spends nearly eight hours a day online. With that, we’re taking this week to focus on the family, how they spend their time online and how they can be safer when they do.
Whether they come by email, text, or DM, phishing attacks account for the most common types of reported cybercrime, according to the FBI Internet Crime Complaint Center. This week, we’ll show you how you can indeed fight the phish!
This sentiment sums up the best of the internet in so many ways. Getting out there, discovering, catching up with friends online. Our focus this week is helping you enjoy it all without any of the bad apples out there spoiling your fun.
We wrap it up with a look at some of the top priorities so everyone in the family can #BeCyberSmart—online banking, app scams, privacy, identity theft, and more—along with plenty of straightforward tips that can help you stay safer.
We hope our posts throughout Cybersecurity Awareness Month help you get a little sharper and feel a little safer so you can enjoy your time online, free from hassles or headaches. Look for more from us throughout October!
The post Cybersecurity Awareness Month: Taking Charge of Your Safety Online appeared first on McAfee Blog.
You open your laptop and see an email from a healthcare organization that you don’t recognize. The subject line reads “URGENT – PROOF OF VACCINATION NEEDED.” Impulsively, you open the email and click on the link. You’re redirected to a website that asks you to enter your name, date of birth, Social Security Number, and a photo of your vaccine card. Scrambling, you enter the information and click “Submit.”
As you continue to adapt your lifestyle to the ongoing public health precautions, it’s important to consider how these precautions can affect your digital health as well. According to the Washington Post, pandemic-related email scams are on the rise, especially with the delta variant surging. McAfee Labs’ April 2021 Threats Report found that COVID-19-themed cyber-attack detections increased 114% in Q3 and Q4 of 2020. Research also shows that COVID-19 phishing attempts in June 2021 increased 33%. With confusion around proof of vaccination and booster shots emerging, it’s likely that cybercriminals will take advantage.
As employers re-evaluate their return-to-office plans, some are requiring proof of vaccination or negative COVID-19 test results. This creates a new opportunity for cybercriminals to exploit. Researchers have uncovered phishing emails disguised as human resources departments asking recipients to submit personally identifiable information about their vaccination status. Many of these types of emails contain links to fake login pages. If the recipient proceeds with entering their credentials and personal data, cybercriminals can use the consumer’s data to conduct credential stuffing attacks and hack their online profiles. This could lead to credit card fraud, data extraction, wire transfers, identity theft, and more.
With various organizations contacting individuals about potential virus exposure, testing and vaccination information, and other public health news, it’s important to remember that some of these organizations may not be what they say they are. That email from the healthcare company you’ve never heard of? It’s probably a cybercriminal in disguise. Some hackers are impersonating public health and government organizations, sending phishing emails in the hopes of collecting users’ names, Social Security Numbers, birthdates, and other valuable data. Criminals tend to sell this information on the dark web, making a profit while the recipients’ online safety is put in jeopardy.
As more news and recommendations for dealing with the pandemic continues to emerge, it’s important that you stay vigilant when it comes to protecting your digital wellness. After all, it’s just as important as your physical wellness! In addition to staying updated on the latest COVID-19-related scams, follow these tips to keep yourself secure from online threats like phishing scams:
If you receive an email or text message from an organization that you’re unfamiliar with, do some sleuthing. Verify that the organization is legitimate. The same goes if you receive a message from an entity that you recognize. If your “HR department” or a “doctor’s office” contacts you and asks for personal information, reach out to them directly instead of replying directly or clicking on any links in the message. This can prevent you from interacting with a hacker in disguise.
Oftentimes, hackers will use a URL for their spoofed website that is just one character off from the legitimate site. Before clicking on any website from an email asking you to act, hover over the link with your cursor. This will allow you to preview the URL and identify any suspicious misspellings or grammatical errors before navigating to a potentially dangerous website.
Multi-factor authentication requires that users confirm a collection of things to verify their identity—usually something they have, and a factor unique to their physical being—such as a retina or fingerprint scan. This can prevent a cybercriminal from using credential-stuffing tactics (where they will use email and password combinations to hack into online profiles) to access your network or account if your login details were ever exposed during a data breach and sold on the dark web.
An identity theft alert service warns you about suspicious activity surrounding your personal information, allowing you to jump to action before irreparable damage is done. McAfee Total Protection not only keeps your devices safe from viruses but gives you the added peace of mind that your identity is secure, as well.
The post How Fraudsters Are Fooling Users With This Proof of Vaccination Phishing Scam appeared first on McAfee Blog.
Have you ever come across a website that just didn’t look quite right? Perhaps the company logo looked slightly misshapen, or the font seemed off-brand. Odds are, you landed on a phony version of a legitimate corporation’s website—a tried and true tactic relied on by many cybercriminals.
A fake login page is essentially a knock-off of a real login page used to trick people into entering their login credentials, which hackers can later use to break into online accounts. These websites mirror legitimate pages by using company logos, fonts, formatting, and overall templates. Depending on the attention to detail put in by the hackers behind the imposter website, it can be nearly impossible to distinguish from the real thing. Consequentially, fake login pages can be highly effective in their end goal: credential theft.
How do these pages get in front of a consumer in the first place? Typically, scammers will target unsuspecting recipients with phishing emails spoofing a trusted brand. These emails may state that the user needs to reset their password or entice them with a deal that sounds too good to be true. If the consumer clicks on the link in the email, they will be directed to the fake login page and asked to enter their username and password. Once they submit their information, cybercriminals can use the consumer’s data to conduct credential stuffing attacks and hack their online profiles. This could lead to credit card fraud, data extraction, wire transfers, identity theft, and more.
Scammers have recently targeted Canadians with attacks leveraging fake login pages to harvest personal data. For example, criminals preyed on employees who were expecting COVID-19 relief grants in the form of the CERB (Canada Emergency Response Benefit). These funds were sent via an electronic transfer from Interac, a legitimate Canadian interbank network. However, a phishing campaign spoofing Interac’s e-transfer service circulated emails claiming that the Canada Revenue Agency (CRA) made a CERB deposit of $1,957.50 CAD.
These emails directed recipients to a fake CRA login page, which then redirected to a phony Interac e-transfer site where users were asked to select their personal bank. From there, the recipient was asked to enter their username, card number, password, security questions and answers for their online banking profile, and other personally identifiable information—providing all the information a criminal would need to hack into the user’s bank account.
If you Google “fake login pages,” you will quickly find countless guides on how to create fake websites in seconds. Ethical concerns aside, this demonstrates just how common vector spoofed websites are for cyberattacks. While it has been easier to distinguish between real and fake login pages in the past, criminals are constantly updating their techniques to be more sophisticated, therefore making it more difficult for consumers to recognize their fraudulent schemes.
One reason why fake login pages are so effective is due to inattentional blindness, or failure to notice something that is completely visible because of a lack of attention. One of the most famous studies on inattentional blindness is the “invisible gorilla test.” In this study, participants watched a video of people dressed in black and white shirts passing basketballs. Participants were asked to count the number of times the team in white passed the ball:
Because participants were intently focused on counting the number of times the players in white passed the ball, more than 50% failed to notice the person in the gorilla costume walking through the game. If this is the first time you’ve seen this video, it’s likely that you didn’t notice the gorilla, the curtain changing color from red to gold, or the player in black leaving the game. Similarly, if you come across a well-forged login page and aren’t actively looking for signs of fraud, you could inherently miss a cybercriminal’s “invisible gorilla.” That’s why it’s crucial for even those with phishing training to practice caution when they come across a website asking them to take action or enter personal details.
The most important defense against steering clear of fake login pages is knowing how to recognize them. Follow these tips to help you decipher between a legitimate and a fake website:
Most fake login pages are circulated vis phishing messages. If you receive a suspicious message that asks for personal details, there are a few ways to determine if it was sent by a phisher aiming to steal your identity. Phishers often send messages with a tone of urgency, and they try to inspire extreme emotions such as excitement or fear. If an unsolicited email urges you to “act fast!” slow down and evaluate the situation.
Oftentimes, hackers will use a URL for their spoofed website that is just one character off from the legitimate site, such as using “www.rbcr0yalbank.com” versus “www.rbcroyalbank.com.” Before clicking on any website from an email asking you to act, hover over the link with your cursor. This will allow you to preview the URL and identify any suspicious misspellings or grammatical errors before navigating to a potentially dangerous website.
HTTPS, or Hypertext Transfer Protocol Secure, is a protocol that encrypts your interaction with a website. Typically, websites that begin with HTTPS and feature a padlock in the top left corner are considered safer. However, cybercriminals have more recently developed malware toolkits that leverage HTTPS to hide malware from detection by various security defenses. If the website is secured with HTTPS, ensure that this isn’t the only way you’re analyzing the page for online safety.
Multi-factor authentication requires that users confirm a collection of things to verify their identity—usually something they have, and a factor unique to their physical being—such as a retina or fingerprint scan. This can prevent a cybercriminal from using credential-stuffing tactics (where they will use email and password combinations to hack into online profiles) to access your network or account if your login details were ever exposed during a data breach.
An identity theft alert service warns you about suspicious activity surrounding your personal information, allowing you to jump to action before irreparable damage is done. McAfee Total Protection not only keeps your devices safe from viruses but gives you the added peace of mind that your identity is secure, as well.
The post How to Spot Fake Login Pages appeared first on McAfee Blog.
T-Mobile, the popular US mobile phone service provider, recently confirmed a data breach affecting 7.8 million current customers and 40 million records from past or prospective customers. The stolen data included customer names, dates of birth, social security numbers, and driver’s license information. Fortunately, subscriber credit card information and other financial details were not affected in the breach.
Even though financial data was spared in the breach, the types of information stolen, along with the vast volume of affected subscribers mean that all T-Mobile subscribers should take immediate action to secure their identities and accounts online.
This is the immediate step all affected subscribers should take.
As part of T-Mobile’s response, they are offering an identity protection service exclusively to all affected customers, free for two years. This identity protection service gives customers the ability to monitor personal info, including your SSN, bank account numbers, debit cards, email addresses, phone numbers, and more. If info is found on the dark web, customers will receive guidance to help secure online accounts. Should identity theft occur, the identity protection service includes fraud resolution support and identity theft insurance for peace of mind. The free 24 months of identity protection will be delivered directly by T-Mobile. The company is also encouraging customers to sign up for their Account Takeover Protection service.
One lesser-known type of data stolen in the breach was International Mobile Equipment Identity (IMEI) numbers, which allow individual devices to be identified on a mobile network. Access to IMEI numbers could enable SIM-swap attacks which make account takeovers possible. With an account takeover, two-factor authentication through text message becomes vulnerable, allowing hackers potential access to bank accounts, among others. App-based multi-factor authentication, using a solution like Google’s Authenticator, allows you to authenticate your identity from other devices, instead of having authentication tied to your mobile phone number.
T-Mobile will be contacting impacted customers directly. However, cybercriminals and scammers may also take advantage of this data breach to scam people using email. They will often pose as major corporations or other trustworthy entities to trick you into willingly providing information like website login credentials or, even worse, your credit card number. We’ve provided additional information here to help you to recognize legitimate emails.
In its simplest form, your digital identity is made up of a whole host of things that can be traced back to you and who you are. This includes email accounts, cell phone numbers, bank accounts, your tax ID, and more. Read our additional tips to protect your digital identity.
For regular updates and official news from T-Mobile, visit their Newsroom blog here.
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We’ve all been there. It’s the middle of the night and you wake up to a sad and sniffly kiddo shuffling into your room. Yup, looks like someone has a temperature. You phone the on-call doctor to make sure it’s nothing serious and then set an alarm so you can make an appointment when the office opens. Yet this time that doctor’s visit could go a little differently. It may not take place in the office at all. You may be offered a chance to see the doctor with a telemedicine visit.
Telemedicine has been in use for some time. For several years now, it’s connected patients to health care services using live video and sometimes special diagnostic tools that pass along information via the internet. Overall, it’s a way of going to the doctor without actually going to the doctor’s office. Historically, it’s done a great job of caring for people who live in remote locations and for people with ongoing conditions that need long-term monitoring.
That all changed last year. Telemedicine visits saw a big spike during the early days of the pandemic, partly to help keep the spread of the virus in check and to protect vulnerable patients. Even though that spike has since tapered off, one study found that about 40 percent of consumers in the U.S. say they’ll use telemedicine moving forward—and our own research from earlier this year put that worldwide figure at nearly 30 percent. Telemedicine seems to be taking root.
While telemedicine leaves many families with more healthcare options, it may leave them with a few more questions about their security as well. After all, our health data is a precious thing. In the U.S., HIPPA privacy standards protect our information and consultations with healthcare professionals. However, online visits add an entirely new dimension to that.
If your health care provider recommends a telemedicine visit for you or your child, it can be both a convenient and safe experience with a little prep on your part. With a few straightforward security measures lined up (some of which you may already have in place), you can make sure that everyone’s private health information will be safe and secure during your virtual visit.
A great first step for a safer telemedicine visit is to protect your devices with comprehensive security software. Like security software protecting you while you manage your finances, file your taxes online, and so forth, it will help protect you while sharing your private health information. Plus, it will give you plenty of other features that can help you manage your passwords, protect your identity, safeguard your privacy in general, and more.
Be sure to protect your tablets and smartphones while you’re at it, even if you’re not using them for telemedicine. With all the shopping and banking we do on those devices, it’s a smart move to protect them in addition to laptops and computers.
Your telemedicine visit may require setting up a new account and password, one that will add to your growing list considering all the banking, social media, and payment apps you probably use. Plus, there are the umpteen other passwords you have for your online shopping accounts, your children’s school records, your taxes, and so on. Don’t give into the temptation of re-using an old password or making a simple one. Hackers count on that, where stealing one password means stealing several—and gaining access to multiple accounts in one blow.
When you set up your account, use a strong, unique password. This may also be a good time to get a handle on all your passwords with a password manager. Also found in comprehensive security software, a password manager can create and securely store strong and unique passwords for you, which can keep you safe and make your day a little easier too.
A VPN, or virtual private network, offers a strong layer of additional protection when you’re transmitting health data or simply having a private conversation about your health with a professional. A VPN creates an encrypted tunnel to keep you and your activity anonymous. In effect, your data is scrambled and hidden to anyone outside your VPN tunnel, thus making your private information difficult to collect.
Like many of the security steps, we’re talking about here, using a VPN offers benefits beyond telemedicine. A VPN is a must when using public Wi-Fi, like at airports and cafes, because it makes a public connection private (and safe from prying eyes). Additionally, it’s also great for use at home when taking care of sensitive business like your banking or finances.
If you’re searching for a telemedicine provider online, keep an eye out for sketchy links and scams. The sad thing with the increased use of telemedicine is that hackers have clued in and are looking for targets. One way you can stay safer is to use a web advisor with your browser that can identify potentially hazardous links and sites. Anti-phishing technologies in your security software can help as well by preventing email-based scams from reaching your inbox in the first place.
Even better than searching online, consider contacting your pediatrician or doctor’s office for a recommendation, as they can point out the best healthcare options for you and your concerns—and let you know if a telemedicine visit is the best course of action for you in the first place. This way, you can get comfortable with what your visit will look like, find out what special apps (if any) are used, and how your care provider will protect your privacy. Also, you can decide which device you will use and where you’ll use it so that you feel at ease during your virtual visit.
A reputable care provider will likely put all this pre-appointment information together for you on their website or “frequently asked questions” (FAQ) page, which will include helpful links and numbers to call if you need help or have questions. For an example of what that could look like, check out the telemedicine page that Virginia Mason/Franciscan Health designed for its patients.
We’ve talked plenty about digital security, yet there’s the old-fashioned issue of physical eavesdropping to think about too. When it’s time for your actual appointment, pick a place in your home where you can assure yourself some privacy. (Of course, don’t go online for your virtual appointment in a public place.) Look for a space where you can’t be overheard by neighbors and passers-by—preferably someplace like your bedroom where you can be comfortable as well. If your child has an appointment, let them know that this is like any other doctor’s visit and help them keep their voice down so they can keep their info private.
With telemedicine becoming more and more of an option for families, it’s just one of the many tools your doctor or pediatrician can use to keep you and your family well. So as always, if you have a health concern, call your doctor or pediatrician’s office for guidance. They’ll know the best path forward.
In the meantime, there are some great resources out there that can help you make the best decision about telehealth if the time comes. One really helpful article from the American Academy of Pediatrics helps parents get up to speed on telemedicine and outlines a few cases where a telemedicine visit might be right for your child.
With the sniffles, fevers, and plenty of, “Mom, I don’t feel so good …” comments that come along with parenthood, it’s nice to know that telemedicine gives us another tool we can use to keep our families well—one that’s ultimately up to you and your doctor to choose if it’s right for your child.
The post 6 Tips for a Safer and Easier Telemedicine Visit appeared first on McAfee Blog.
Over the past few years, food delivery apps have made it easy for people to get their favorite cuisines brought to their doorsteps. In 2020, consumers grew more accustomed to the convenience of ordering take-out when dining in at restaurants was no longer an option. But as we look ahead into 2022, this trend is here to stay. According to a new report by ResearchAndMarkets, the global online food delivery services market will grow from $115.07 billion in 2020 to $126.91 billion by the end of 2021.
To get the latest deals and news from their favorite restaurants, many consumers opt in to receiving marketing emails from the dining locations they frequent the most. One such restaurant is the popular fast-food chain Chipotle Mexican Grill, which has added 22.9 million consumers to its loyalty program since launching two years ago. But customers who signed up to receive emails from Chipotle may have more to consider than whether they choose queso or guacamole. According to Bleeping Computer, Chipotle’s email vendor Mailgun was recently breached, which allowed hackers to take over the company’s email marketing efforts and reach out to unsuspecting customers.
Let’s look at how this threat emerged and what consumers can do to help protect themselves from phishing and live a happy and safe digital life online.
Many restaurant chains like Chipotle utilize a third-party vendor to engage with customers who sign up to receive the latest updates. Chipotle uses Mailgun to help send, receive, and track its marketing emails. However, bad actors were able to hack into Chipotle’s Mailgun account, allowing them to send out phishing emails to recipients.
Under the guise of the Chipotle restaurant chain, cybercriminals reportedly sent out at least 120 malicious emails within a three-day period, luring Chipotle customers to malicious links. Most of the emails directed the unsuspecting users to credential-harvesting sites, impersonating services like a Microsoft 365 login page. Some messages even included malware attachments.
Although phishing is by no means a new cyberthreat, criminals have made it more difficult to spot scam messages with their increasingly sophisticated tactics. Most scammers disguise themselves as major corporations or other trustworthy entities to trick you into willingly providing information like your website login credentials or, even worse, your credit card number. But in Chipotle’s case, cybercriminals were able to hack into the company’s legitimate email marketing account, making it more difficult for consumers to spot the scam.
As a consumer, what can you do to sidestep these stealthy tactics and continue to enjoy your life online? Follow these tips to help safeguard your security:
While phishing has been around for years, cybercriminals continuously make these scams more sophisticated in the hopes of tricking even the most seasoned online experts. That’s why it’s important to stay up to date on the latest phishing techniques so you know what to look out for. Doing a quick search on recent phishing scams every once in a while will help you better spot these cyberthreats well before you find them in your inbox.
If you receive an email that appears to be from a business you subscribe to, but they are asking you for personal information, stop and think. Don’t click on anything or take any direct action from the message. Cybercriminals know that consumers tend to let their guard down when they think they are communicating with an entity that they trust, so play it safe and never assume anything. Instead, go straight to the organization’s website. This will prevent you from downloading dangerous content from phishing links or forking over money unnecessarily.
If someone sends you a message with a link, hover over the link without actually clicking on it. This will allow you to see a link preview. If the URL looks suspicious, don’t interact with it and delete the message altogether.
Use a security solution, like McAfee Total Protection, which can help protect devices against malware, phishing attacks, and other threats. It includes McAfee WebAdvisor, which can help identify malicious websites.
Now that you know how to spot phishing emails and what to do if you suspect scammers are targeting you, you’re far less likely to fall for these schemes. Remember to be careful with your personal information when you use the internet and err on the side of caution whenever anybody asks you to divulge sensitive details about your identity, finances, or login information – even if the message appears to be from a business you recognize.
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For some, vanquishing aliens, building virtual amusement parks, and online battles royale are an excellent stress reliever. As we all know, over the past year there’s been plenty of stress to relieve and more spare time on our hands in which to revel in our hobbies. There was a 30% jump in online gaming traffic from the first to the second quarter of 2020.
Hackers are taking advantage of highly trafficked online gaming portals to make a profit on the dark web. The next time you log on to your virtual world of choice, consider these recent video game breaches and up your gamer security, which could include an antivirus for gaming.
Between 2019 and 2020, web attacks on gaming companies rocketed up 340%, according to Akamai. Hackers have targeted several high-profile gaming companies recently with various motives. First, game source code was stolen from Electronic Arts to sell on the dark web. Developers shopping the dark web use stolen source codes to reverse-engineer popular games or copy the code into their own game. Capcom and CD Projekt Red were hit by ransomware attacks only a few months apart from each other, one attack focused on company financial information and the other on source code.
“Titan Fall” and “Apex Legends” have both been hacked to the point where the former is unplayable, according to many gamers. To protest “Titanfall’s” developers’ inaction, gamers took to “Apex Legends,” altering in-game messages. The apparent ease with which hackers can walk into online gaming portals requires that game developers and gamers themselves pay more attention to their security.
Online PC gaming allows players to use real-world money to purchase valuable upgrades to their characters. These characters receive admiration from some fellow players. Others feel greed. Advanced characters can fetch a lot of money on the dark web, so some cybercriminals practice credential stuffing to force their way into player accounts and steal ownership. Credential stuffing is a type of brute force attack where hackers take informed guesses at username and password combinations. A strong password or passphrase is essential to keeping your account and investment safe from a dark web fate.
Based on the above recent hacks, it is clear that gaming companies host a trove of valuable information. Gamers trust these platforms with their payment information and with the safety of their gaming characters on which they spend thousands of hours and hundreds of dollars upgrading, making gaming a lucrative target for hackers.
Another way cybercriminals target gamers is through malware disguised as an advantage. Cheat software for online games is common as players strive to be the best out of thousands. Advantage seekers for “Call of Duty: Warzone” were targeted by a malware scam. The malware creators advertised the “cheat software” on YouTube with instructions on how to download it. The video received thousands of views and hundreds of comments, which made it look legitimate.
One of the steps in installing the “cheat software” was that users had to disable antivirus programs and firewalls. Users let the cybercriminals walk right into their device! From there, the device was infected by an aggressive type of fileless malware called a dropper. A dropper doesn’t download a malicious file onto the device; rather, it creates a direct pathway to deliver an additional payload, such as credential-stealing malware.
Competitive gaming is, well, competitive. So, if you invest a lot of real money into your characters, be especially vigilant and follow these five important tips to protect your online accounts.
It’s common for gamers to use variations of their real names and birthdates in their public-facing usernames. Don’t use your real name or birthdate in your username. Consider using a nickname or a combination of random numbers instead. Along this same vein, don’t reveal personal details about yourself (phone number, birthday, places you visit regularly) on chats or streams. Lurking cybercriminals can gather these personal details to impersonate you.
On some online PC games, you can join campaigns with gamers from all over the world. While the interconnectivity is great, carefully vet who you allow to follow your online profile. If a stranger sends a friend request out of the blue, be on alert. They could have nefarious motives, such as phishing for valuable personal data. It’s best to customize your privacy settings to make your profile invisible to strangers.
Developers spend a lot of time creating amazing games, so make sure you purchase games legally and play them as they are intended. Be especially wary of free downloads or pirated versions and cheat software, as they’re likely too good to be true. Instead, go for a challenge and have fun with the game as it’s written.
A virtual private network (VPN) scrambles your online data traffic, making it impossible for hackers to access your IP address and spy on your online browsing.
Gaming antivirus software not only makes your online gaming experience more secure, but it can boost your rig’s performance! McAfee Gamer Security detects threats through the cloud and optimizes resources to minimize frame drops.
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Smart speakers. Banking online. Location tracking. If you are a senior adult, there’s no doubt, the digital leaps and bounds you’re asked to consider each day can be daunting. If you are the child of a senior adult trying to make digital life more accessible, helping your parent consistently stay safe online can also be a challenge.
According to the most recent Pew study on the topic, senior adults continue to become more digitally connected, but adoption rates continue to trail younger users, and digital divides remain. The study also revealed that 77% of older adults needed assistance in learning how to use technology.
As a senior, it’s easy to feel intimidated and even try to avoid technology altogether as a safety plan. However, more healthcare, banking, and retailers become almost 100% digital, opting out of digital life is becoming impossible.
Still, there’s a way forward. As with any challenge, it’s best to begin one step at a time. First, put your stake in the ground by committing to increase your awareness and consistency in the digital realm. Doing so will help you reduce your fear about potential data breaches, malware attacks, or worse, falling prey to an online scam. Here are seven more ways to build upon your privacy path.
1. Consider another layer of protection. Parental controls and antivirus software cover every age and stage of a family’s digital life. Here’s why: 1) If you are a senior and love exploring online but hate bumping into inappropriate content, parental controls will help you keep the fun and block the junk 2) Filtering software also keeps your PC clean and protected from viruses and malware. 3) If you are a caregiver to a senior and notice your parent struggling with online shopping limits, keeping personal information private on social media, or even sharing fake news, parental controls can help by blocking tempting sites.
2. Update and store your passwords. Updating your passwords regularly is an online privacy gamechanger. The only problem? It’s tough to remember all those passwords, so who wants to risk changing them, right? Consider a password manager (find the software packages that have a password manager built-in). Your Password Manager (PM) stores then populates the username and password fields every time you log on to a favorite site or app. Better yet, it makes changing your password an easy task since you don’t need to do any remembering—your PM does it all for you.
3. Use 2-Factor Authentication (2FA). What in the world? 2FA sounds complicated! Don’t worry, it’s not. Opting for 2FA means that before logging onto your account, you will have one more step to verify it’s you logging on. When given this privacy option, take it. Commonly, the 2FA process is a code generated by a smartphone app—no biggie. If you want to try, go to your settings in your favorite apps, such as Google or Facebook, and turn on the 2FA option.
4. Install software updates immediately. Along with strong passwords, updating your software is a front-line defense against identity theft and fraud. Installing software updates (those pesky pop-up notices that are critical to your privacy) is essential in securing your IoT devices, PCs and phones, and the social media, banking, and healthcare portals connected to them.
5. Use a Virtual Private Network (VPN). If we could write this one tip down a hundred times without losing our readers, we surely would. Every senior adult needs a VPN for practical, powerful privacy protection and peace of mind. A VPN keeps credit card and personal info contained in a secure network and away from prying eyes.
6. Fight back with knowledge. Fraudulent emails connected to fraudulent websites can look very legitimate. A secure website will have an “HTTPS” in the browser’s address bar. The “s” stands for “secure.” If the web address or URL is just HTTP, it’s not a secure site. Still unsure? Read reviews of the site from other users before making a purchase. Never send cash, cashier’s check, or a personal check to any online vendor. If purchasing, always use a credit card in case there is a dispute. Stay up-to-date on scams that target seniors specifically. Lately, elder scams have been constructed around COVID, dating apps, tax returns, employment, and, of course, the common military catfish scams.
7. Have fun as you skill up. When trying to boost your digital skills, don’t forget about all the amazing instructional content at your fingertips. A quick search of YouTube will render easy-to-understand videos on how to do just about everything (including install security software, change your router password, secure the smart devices in your home, and how to adjust your privacy settings on any device).
Learning or building a new skill isn’t always easy, but if you stop to think about it, as a senior, you’ve gained so many skills over your lifetime (far more than your juniors). So, practically speaking, building up your tech skills is one is just one more task to ace. So, lean into the challenge, have fun learning, and don’t hesitate to ask for help if you need it.
The post 7 Savvy Ways Senior Adults Can Safeguard Digital Privacy appeared first on McAfee Blogs.
Picture this: you open your MacBook and see an email claiming to be from your favorite online store. In the email, there is an attachment with “important information regarding your recent purchase.” Out of curiosity, you open the attachment without checking the recipient’s email address. The next thing you know, your device is riddled with malware.
Unfortunately, this story is not far from reality. Contrary to popular belief, Apple computers can get viruses, and XLoader has Mac users in their sights.
Let’s break down XLoader’s ‘s origins and how this malware works.
Where Did XLoader Come From?
XLoader originated from FormBook, which has been active for at least five years and is among the most common types of malware. Designed as a malicious tool to steal credentials from different web browsers, collect screenshots, monitor and log keystrokes, and more, FormBook allowed criminals to spread online misfortune on a budget. Its developer, referred to as ng-Coder, charged $49, a relatively cheap price to use the malware, making it easily accessible to cybercriminals.
Although ng-Coder stopped selling FormBook in 2018, this did not stop cybercriminals from using it. Those who had bought the malware to host on their own servers continued to use it, and in turn, quickly noticed that FormBook had untapped potential. In February 2020, FormBook rebranded to XLoader. XLoader can now target Windows systems and macOS devices.
Typically, XLoader is spread via fraudulent emails that trick recipients into downloading a malicious file, such as a Microsoft Office document. Once the malware is on the person’s device, an attacker can eavesdrop on the user’s keystrokes and monitors. Once a criminal has collected enough valuable data, they can make fake accounts in the victim’s name, hack their online profiles, and even access their financial information.
According to recent data, Apple sold 20 million Mac and MacBook devices in 2020. With macOS’s growing popularity, it is no surprise that cybercriminals have set their sights on targeting Mac users. Check out these tips to safeguard your devices and online data from XLoader and similar hacks:
Hackers often use phishing emails or text messages to distribute and disguise their malicious code. Do not open suspicious or irrelevant messages, as this can result in malware infection. If the message claims to be from a business or someone you know, reach out to the source directly instead of responding to the message to confirm the sender’s legitimacy.
Hackers tend to hide malicious code behind the guise of fake websites. Before clicking on an unfamiliar hyperlink, hover over it with your cursor. This will show a preview of the web address. If something seems off (there are strange characters, misspellings, grammatical errors, etc.) do not click the link.
Use a solution like McAfee Total Protection, which can help protect devices against malware, phishing attacks, and other threats. It also includes McAfee WebAdvisor — a tool that identifies malicious websites.
Regardless of whether you use a PC or a Mac, it is important to realize that both systems are susceptible to cyberthreats that are constantly changing. Do your research on prevalent threats and software bugs to put you in a great position to protect your online safety.
XLoader is just the latest example of how the gap between the prevalence of PC versus macOS malware is steadily closing. To better anticipate what threats could be around the corner and how to best combat them, stay updated on all of the latest online safety trends and practice great security habits. This will not only help protect your devices and online accounts but also bring you greater peace of mind.
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This fall, many students are headed back-to-school full time. However, just as workplaces now accommodate for remote work, schools are accommodating hybrid learning environments. While this may signal the end of things like snow days, it’s also created a new, more flexible style of learning that relies on computers, online connectivity, and apps to connect students with teachers and learning resources. It’s also a trend that’s not without risk, as evidenced by the more than 900 cybersecurity incidents, including personal data breaches, since 2016, according to the K-12 Cybersecurity Resource Center. This new style of learning comes with many implications for cybersecurity that we’ll discuss below, along with ways to protect learners and students of all ages.
Cameras and video conferencing software have become an integral part of the online learning experience. In the early days of 2020, we saw growing pains in the form of Zoom bombing, unintended sharing, and, on the lighter side, people learning to use fake backgrounds with hilarious consequences. And while many of these wrinkles have been smoothed out, for online learners, the fact remains that privacy is at risk anytime they use a camera.
Younger students:
Older students:
The good news is that while we’re all navigating the new world of learning online, there are more tools than ever to help you do so safely. A comprehensive security suite, like one of McAfee’s products, contains many of these security tools in one package, including tools for:
Younger students:
Older students:
Your child or teen’s portal to their online classroom is an important investment. After all, you’ll want them to be able to connect securely, communicate easily, and be able to handle any kind of online work they may need to do. Depending on the age of your child, this device may also have to be bomb-proof. Don’t worry some experts have already done the thinking for you with this list of computers for online learners.
There are many apps being used to facilitate online learning. And chances are, students will have to register, log-in, and provide identification. Regardless of age, here’s what NOT to provide.
Younger students:
Older students:
When students are learning in-person, the concept of being a good citizen is one that’s reinforced in the classroom and on the playground. Online, as students use forums, chats, and even social media to communicate, the concept of digital citizenship is just as important.
There’s a reason elementary schools have recess and high schools have lunch breaks. It gives kids time to step away from the books, stretch their legs, and refresh their minds. The same concept applies with online learning.
Younger students:
Older students:
For more extensive information about any of the recommendations above, please visit these resources.
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There’s a lot of misinformation about Virtual Private Networks, what they do, and the security benefits they offer. For this article, I’d like to do some myth-busting about how a VPN actually works and why you should use one.
A VPN is an app that you install on your device to help keep your personal data safe as you browse the internet
You may have heard that VPN apps live on your device and allow you to connect to the internet securely. What that means is, when you turn your VPN app on, your device makes a secure connection to a specialized computer that routes internet traffic, called a VPN server. You also may have heard that your connection is “wrapped in an encrypted tunnel” which means your device and the server share a secure connection so only you can see what you’re doing on the internet.
Every internet connection (like your cable modem) is assigned a unique set of numbers called an IP address, which is tied to information such as geographic location, ISP, etc. A VPN replaces your actual IP address to make it look like you’ve connected to the internet from a different location: the physical location of the VPN server, rather than your real location. This is just one reason why so many people use VPNs. This can be handy when you want to hide from advertising trackers or protect your search history.
To change your IP address, you simply open your VPN app, select the server location you’d like to connect to, and you’re done. You’re now browsing with a new IP address. If you’d like to make sure your IP has changed, open up a browser and search for “What’s my IP address” and click on one of the results.
When to use a VPN really depends on what you want it for. For example, 39% of users understand public Wi-Fi is unsafe but still do sensitive things, like banking or shopping on public WiFi, so using a VPN when you’re at the airport, or a café is a great use case.
As I mentioned before, a lot of people use a VPN for privacy reasons, like stopping advertisers from tracking them. Searches you perform, or websites you visit won’t be trackable, which means you’ll be able to surprise your spouse with a vacation you researched and planned on a computer you both use. Targeted ads could spoil things if your spouse is bombarded with ads for plane tickets and hotels while they browse.
A VPN protects your search history through the secure connection you share. When you search for a website, or type a URL into your navigation bar, your device sends something called a DNS request, which translates the website into the IP address of the web server; this is how your browser can find the website and serve its content to you. By encrypting your DNS requests, a VPN can hide your search habits and history from those that might use that info as part of building a profile of you. This type of info could be used in a wide variety of ways, from legitimately serving targeted ads to nefarious social engineering.
A VPN can protect your identity by blocking online trackers from following you around the internet. With your VPN on, trackers will think all of your browsing is coming from a different device in a different location. This throws off the profile advertisers try to build because they think you’re someone else.
Another way a VPN can protect your identity is by preventing some types of hacking. Stopping attacks on public WiFi where a bad actor tries to get between you and the website you’re visiting, is just one way VPNs can help. It’s called a Man-in-the-Middle attack, but that’s a subject for another article.
No, a VPN cannot make you anonymous. They help secure what you’re doing, but your ISP still knows when you’re using the internet. They just can’t see what you’re doing, what sites you visit, or how long you’ve been on a site.
Private browsing modes can help protect your privacy, but they’re useful if you share a device with other people and you don’t want them to see your search history. You can read all about the differences in the article I wrote a little while ago.
Apple’s Private Relay is currently in Beta and will be available with an iCloud+ subscription for Safari users on iOS and macOS soon. Private Relay is similar to a VPN in that it changes your IP address so websites you visit can’t tell exactly where you are.
When you turn Private Relay on, your device connects to a server that sends your browsing data to a second server, before it travels through the internet. The reason for the double hop is that first server gives you a new IP address, to make you harder to track, while the second server hides that information from the website you’re browsing. The first server only knows your original IP address, while the second server only knows what you’re browsing, but not your IP.
Private Relay only works with Safari on iOS and macOS. Even if you are using an Apple device, a VPN is still a good idea because it will protect the information that your device sends outside of Safari.
If you’re already a McAfee Total Protection subscriber, you have access to unlimited VPN usage. Protect your personal information, like your banking information and credit cards, from prying eyes with McAfee Total Protection’s Secure VPN. If you haven’t already signed up, now’s the perfect time. McAfee Total Protection provides security for all your devices, giving you peace of mind while you shop, bank, and browse online.
The post What is a VPN and Can it Hide My IP Address? appeared first on McAfee Blogs.
There’s a lot of conversation going on right now around digital apps; only it’s not about TikTok or Twitch. Instead, it’s about the spike in the number of app scams taking place every day—many of them impacting younger consumers.
In a recent report from The Washington Post, nearly two percent of the apps downloaded from the Apple store in a single day were scams costing consumers an estimated $48 million. A similar report this week in Tech Republic estimates more than 170 Android apps, including 25 on Google Play, have attempted to scam people by offering cryptomining services for a fee but then failing to deliver. Scam reports can also be attributed to side-loaded apps, which are apps installed from unofficial sources online.
While the scam structures vary, the most popular ones pose as legitimate brands such as Amazon or Samsung, persuading users to download apps they don’t need. Other scams use misleading tactics, manipulate ratings and reviews, and trick people into paying for something accidentally.
Scams that target teens abound online because hackers assume younger consumers are more impulsive and casual about their online privacy. According to the Better Business Bureau, scams targeting teens include social media scams used to collect personal info for identity theft. Others include bogus auctions for luxury goods, scholarships and job offer scams, and promises of free items such as cell phones.
Some of the most popular scams can be found in fraudulent dating apps, according to the report. The Federal Trade Commission stated that consumers reported a record $304 million lost to romance scams in 2020, a number that has spiked since the pandemic. While some scams look like legit dating apps, others surface in hangout apps such as Clubhouse, Google Hangouts, or seemingly harmless apps like Words with Friends.
App scams have been discovered embedded in spying and internet security apps. Ironically, several of those have been in alleged VPN (Virtual Private Network) apps that promised privacy but instead collected sensitive user data.
Consumers, especially kids, can be scammed through peer-to-peer cash apps, such as Venmo or Zelle. Because cash apps require users to link to a personal bank account directly, scammers can easily sell you goods or befriend you to send money only to delete their accounts and disappear.
Likewise, downloadable gaming apps can contain scams that offer free in-game currency. By clicking on a link and entering a username, password, gamers are promised free currency—only it never shows up in their account.
While the debate continues over how to improve both Apple and Google Play’s app security standards, for now, anyone downloading an app is at risk to some degree.
So how can you be sure your family’s apps are safe to use? While it’s getting harder to discern, there are some key steps you can take to reduce your risk.
No app is 100 percent safe. All have security loopholes and user behavior can make them vulnerable to a wide range of scams. However, by staying aware, using the right tools, and being wise with your clicks, your family can enjoy the fun of digital life without the fallout.
The post 9 Tips to Help Kids Avoid Popular App Scams appeared first on McAfee Blogs.
How many rooms in your home contain a smart device? From Peloton bikes to showerheads with Bluetooth speakers, smart home technology is rapidly making its way into every room in every household. In fact, the number of smart households (those that contain smart home technology) in the U.S. is expected to grow to 77.05 million by 2025. But with new technology comes new challenges.
Many product designers rush to get their smart devices to market, treating security as an afterthought and consequentially creating an easy access point for criminals to exploit. Once a hacker taps in to a user’s home network, they could potentially gain access to all the devices connected to the network. And many consumers, amazed by the appliances’ efficiency, are unaware of the risks of interconnectivity. So, how can families prevent criminals from taking peeks into their home?
Let’s take a tour through an average smart home and uncover the security implications of the various devices in each room.
Believe it or not, the security risks of a smart home often apply before you even step foot inside the house. Approximately 21 million U.S. homes have professionally monitored security systems. However, these systems are not immune to hacks. One popular security camera system experienced a series of intrusions where hackers were able to communicate with residents, making inappropriate comments, taunting children, and even demanding a ransom payment for the hacker to leave the system. Some users of another security camera system experienced similar intrusions, with hackers playing vulgar music and cranking the homeowners’ heat up to 90 degrees.
Security cameras are just the beginning. Users control mowers, smart sprinklers, and other outdoor devices remotely with smartphone apps. Although they are meant to make consumers’ lives more convenient, outdoor devices with embedded computers could be at the greatest risk of attack, according to professor of computer science and cybersecurity expert, Dr. Zahid Anwar.
Outdoor devices like garage door openers, wireless doorbells, and smart sprinklers are more vulnerable because they may be easily accessible to someone driving down the street with a computer or other Wi-Fi transmitter. Outdoor smart devices can be used as entry points, allowing hackers to access the entire smart home network. To prevent a stranger from spying on your network, it’s important to check how these products store your data. If the device’s system stores your personal information and is connected to the main home network, there is a possibility that a breach of one device on the network could reveal your data to a hacker.
Once you step foot into a smart home, you’ll likely find a variety of devices adopted by residents for added convenience, including smart TVs, Wi-Fi routers, smart speakers, thermostats, lightbulbs, and personal home assistants — the list goes on! But the fact that these devices are connected to the internet opens the door for cybercriminals to make themselves at home. For example, the FBI issued warnings about the risks of smart TVs, noting that hackers could potentially gain access to an unsecured television and take control by changing channels, adjusting volume levels, and even showing inappropriate content to children.
Additionally, a recent study outlined multiple privacy concerns with a popular virtual assistant, ranging from misleading privacy policies to allowing third parties to change the code of their programs after receiving approval from the device’s parent company. Anupam Das, assistant professor of computer science at North Carolina State University, stated that third party software developers created many of the applications consumers interact with while using the virtual assistant. However, Das and their fellow researchers identified several flaws in the current vetting process that could allow those third parties to gain access to users’ personal information. The virtual assistant’s parent company does not verify the developer responsible for publishing the third-party program, so a cybercriminal could easily register under the name of a trusted developer and create a program that spreads malicious code. For these reasons, it is critical that consumers stay informed on potentially vulnerable entry points left open by device manufacturers so they can take action to better protect their smart home technology and their personal privacy.
Today, it is not so weird to talk to your refrigerator (well, maybe a little). Smart appliances are quickly making their way into consumers’ kitchens. You can control your blender or Instant Pot from your phone and use voice activation with various appliances, further blurring the lines between the physical and the digital. And while smart kitchen appliances empower you to do things like controlling your air fryer from an app and use voice activation to brew your coffee in the morning, living like a Jetson does come with potential security risks. In 2019, McAfee researchers discovered a vulnerability within a Mr. Coffee brand coffee maker that could allow a hacker to access the user’s home network. To prevent criminals from brewing up trouble in your home, ensure that you take measures to secure each of your devices and keep criminals from spying on your network.
For many people, the bedroom is more than just the place where they sleep at night — it is a relaxing sanctuary where they can unwind. It is no wonder that many people have adopted various gadgets to turn their sanctuaries into high-tech hubs for relaxation. Take a smart bed, for example. These mattresses incorporate biometric sensors to help you snooze better, and they connect to a smartphone app that tracks your sleep trends and health metrics. While this technology may provide insight on how you can sleep better, it is important to realize that these devices are collecting data and sending it back to the manufacturer. Often, consumers do not stop to research what specific data is being collected and how it is being used, placing a lot of trust in the device manufacturer to safeguard their private information. But what happens if the company suffers a data breach or ransomware attack? There is a chance that your data might fall into the hands of a hacker. To better protect your online security, understand that enjoying the convenience of connected IoT requires an assessment of where your information is being stored.
There is no denying that IoT devices have upped the convenience of tech users’ lives everywhere. But with these technological rewards comes added risk — cybersecurity risk, that is. The more connected devices you have in your home, the more opportunities criminals have to infiltrate your network and reach other data-rich devices. This can potentially put your private and financial information at risk, not to mention your privacy.
As our reliance on IoT and smart home technology grows, so will the need for users to step up their cybersecurity practices. Follow these tips to help protect your personal data and privacy while still enjoying all that your smart home gadgets have to offer:
1. Secure your Wi-Fi network
Out of the box, most Wi-Fi routers are either not secured or use a default password such as “admin,” making it easy for hackers to poke around and access devices that are connected to your router. To prevent cybercriminals from snooping on your network and the gadgets that are attached to it, secure your Wi-Fi network with a strong password.
A password or passphrase that is long, complex, and unique will discourage attempts to break into your accounts. Try creating a string that is at least 12 characters long, contains a combination of uppercase letters, lowercase letters, symbols, and numbers, and that is unique to each account.
Do your research before investing in a smart device. Ask yourself if the gadget is from a reputable manufacturer. Has the company had previous data breaches, or do they have an excellent reputation for providing secure products? Also, take note of the information your IoT device collects, how vendors use this information and what they release to other users or third parties.
Above all, understand what control you have over your privacy and information usage. It is a good sign if an IoT device allows you to opt-out of having your information collected or lets you access and delete the data it does collect.
In addition to the password/username combo, multi-factor authentication requires that users confirm a collection of things to verify their identity — usually something they have, and a factor unique to their physical being — such as a retina or fingerprint scan. This can prevent a cybercriminal from using credential-stuffing tactics (where they will use email and password combinations to hack into online profiles) to access your network or account if your login details were ever exposed during a data breach.
Stay on top of software updates from your device manufacturer. Available updates are not always advertised, so visit the manufacturer’s website regularly. Additionally, make sure to update mobile apps that pair with your IoT device. Adjust your settings to turn on automatic software updates, so you always have the latest security patches.
Your router is the central hub that connects all the devices in your home, so make sure that it’s secure. After you change the default password and name of your router, ensure that your network name does not give away your address, so hackers can’t locate it. Then check that your router is using an encryption method, like WPA2, which will keep your communications secure.
Additionally, consider setting up a “guest network” for your IoT devices. This is a second network on your router that allows you to keep your computers and smartphones separate from IoT devices. So, if a device is compromised, a hacker still cannot get all the valuable information that is saved on your computers. Check your router’s manual for instructions on how to set up a guest network.
You do not need to go it alone — employ the help of a security solution like McAfee Secure Home Platform, which provides smart security for your home network. By automatically protecting your connected devices through the router, you can feel confident that you have a solid line of defense against online threats.
McAfee Total Protection also includes a robust password management system that creates and saves strong passwords across all your accounts in one centralized location. It also includes home network security to protect your firewall and block hackers from accessing your home network. McAfee Total Protection includes a home network map that allows you to easily identify trusted devices on your network and flag potential intruders.
Recognize that every Wi-Fi connection, every Bluetooth connection, and every connection you make using a wireless connection is subject to hacking. This will help you better understand the risks associated with your smart home devices, and therefore will help you be more equipped to combat them. Remember: a secure home is the smartest home you can have!
The post How to Secure Your Smart Home: A Step-by-Step Guide appeared first on McAfee Blogs.
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