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How to Delete Old Accounts Containing Personal Information

By McAfee

Your digital footprint grows with every internet account you make. While your old Tumblr account may be fun for reminiscing, dormant accounts are actually one of the most significant sources of user data on the internet. These accounts can be used by data brokers or third parties to access your personal information.  

To improve your data security, it’s good practice to remove public-facing information by deleting unused accounts. Simply put, having less personal data stored on the internet reduces the risk of theft and/or non-consensual data usage.  

Deleting, canceling, unsubscribing, or removing your account can be a long process, depending on the service. This article will walk you through the simplest ways to delete unwanted accounts from various social media platforms.  

Why you should delete old accounts

Deleting unwanted accounts protects your information and prevents the monetization of your data. Your internet accounts often hold personal information like your name, age, email, or home address. What’s more alarming is that some platforms may even have credit card details, phone numbers, and bank account information. 

When left unattended, internet accounts become vulnerable to being suspended or taken over by the platform. This means that if your accounts are left inactive for too long, you might be handing some or all of your data over to the tech platform.  

For example, even if you believe an old Google account doesn’t have any sensitive information stored, it may be linked to other platforms you use (like Amazon or Google services like Gmail and Google Play). This exposes all of these accounts to several data privacy vulnerabilities.  

Moreover, a recent survey found that 70% of surveyed adults admitted using the same password for more than one service. People who don’t use password managers or reuse passwords are at a greater security risk than others, as multiple accounts can become compromised at once. Whether the platform is now out of service or you are cutting down on your app usage, deleting dormant accounts will minimize security threats and safeguard your data.  

How to permanently delete old accounts, by platform

Every platform has a different process for deleting accounts: Some take only a few clicks to complete and others are a little longer. Companies usually don’t want a user to stop using their services, so account deletion pages are often hidden in a complex web of tabs that you have to navigate.  

In addition, some subscription services might require that you send an email to customer support to close your account. You can go to justdelete.me, an online directory that lets you access direct links to account deletion pages of various web services. 

Remember to download your personal information and data before pulling the plug on your account. Most platforms let you download your data before initiating a deletion request, which saves you from losing important details and files. It is also important to check whether your Google account is used for your YouTube channel or connected to other online accounts. 

To help you get rid of accounts you no longer use, we’ve broken down deleting accounts from some of the most popular social networks. The steps described below are for a desktop browser and may not apply to Android or iOS devices (unless specified).  

How to delete Facebook accounts

Facebook’s user privacy policy enables it to store a large amount of user information, including personal messages, posts, search history, name, age, birthdate, and even metadata from posted photos and videos.  

Follow these simple steps to delete your Facebook account 

  • After logging in from your desktop, click the arrow in the top-right corner  
  • Go to Settings 
  • Click on “Your Facebook Information” tab 
  • Click on “Deactivation and Deletion” 
  • Choose “Delete Account” from menu 
  • Enter password to confirm 
  • Click “Delete Account 

How to delete LinkedIn accounts

LinkedIn collects information on users and uses it for targeted advertising. As a result, it amasses quite a lot of your data, from professional details to personal preferences and even your online behavior trail.  

Follow these simple steps from your desktop to delete your account:  

  • Click on your profile avatar in the top-right corner 
  • Click on “Account Preferences” 
  • Scroll to Account Management and click on “Close Account” 
  • Select a reason for deleting your account 
  • Type password to confirm 

How to delete Twitter accounts

It’s simple to delete your Twitter account, but you’ll have to wait 30 days for your data and tweets to clear. To delete your account, you first need to deactivate it.  

Once you’ve decided to delete your account from the micro-blogging site, follow these steps from your desktop:  

  • From the navigation menu on the left, click on “Settings and Privacy” 
  • Go to “Your Account” tab 
  • Click on “Deactivate your account”  
  • If you don’t choose to reactivate within 30 days, your account will automatically be deleted  

Remember to revoke third-party access to your Twitter account to avoid having your account reactivated in the 30 days following deactivation. 

How to delete Instagram accounts

Since Facebook and Instagram are both owned by Meta, they share a lot of data for targeted advertising. You can adjust the privacy settings of your Instagram account from the mobile app, but you will need to log in from a web browser like Chrome to delete your account.  

To delete your Instagram account 

  • Go to the “Delete your account” page 
  • Choose a reason you’re deleting your account  
  • Enter your password 
  • Click on “Permanently delete your account”  

Your information and data will be permanently deleted after 30 days and you won’t be able to retrieve it. However, completing a deletion process may take up to 90 days.  

How to delete Tumblr accounts

Tumblr has a fairly simple process to delete your account:  

  • Log in to Tumblr from your desktop 
  • Click on the profile icon in the top-right corner  
  • Choose “Settings” 
  • Click on “Delete account”  
  • Enter your email address and password to confirm  
  • Delete account 

How to delete Pinterest accounts

Follow these steps to delete your account from the popular picture-sharing platform:  

  • Select the drop-down menu in the right corner  
  • Click on “Account Management” from the navigation menu  
  • Select “Delete Account 
  • Confirm when asked to receive an email with the final step  
  • In the confirmation email, click on “Yes, close account”  

Pinterest servers continue to store your data after deletion, but your information won’t be visible to other users.  

How to delete email accounts

There are different steps to deleting your email account depending on which email service you use. Backing up email data usually takes more time because of the sheer volume of data a mail account can hold.  

How to delete a Gmail account

Complete the following steps to delete your Google account 

  • Open this URL in your web browser: myaccount.google.com 
  • Select “Data and Privacy” from the menu on the left  
  • Scroll to “Download or delete your data”  
  • Click on “Delete a Google Service”  
  • Click “Delete a service”  
  • Enter your password  
  • Click the trash bin icon next to Gmail  

How to delete a Yahoo account

Here’s what you need to do to delete your Yahoo email account: 

  • Open this URL in your web browser: edit.yahoo.com/config/delete_user  
  • Login with your login credentials  
  • Click on “Continue to delete my account” on the confirmation page  

Deleting your Yahoo account also deletes the linked information from Yahoo’s other services.  

How to delete an Outlook email account

Follow these steps to delete your Microsoft account on Outlook 2010, 2013, or 2016:  

  • Open Outlook on your desktop and select “File” from the upper-left corner  
  • Click on “Account Settings” and choose “Settings” again 
  • Select the account you want to remove and click “Remove” 
  • Confirm by clicking “Yes” 

Keep your identity secure online with McAfee

Leaving old information scattered across the internet makes you susceptible to identity theft. There are multiple ways to keep your identity and data secure online, including McAfee’s Total Protection plan.  

Total Protection lets you choose from multiple affordable subscription models that provide comprehensive security against identity theft and potential data breaches and offers web protection and several related benefits. In addition, having access to 24/7 online security experts and a 30-day money-back guarantee make the Total Protection plan an easy, reliable, and safe choice. You can also have peace of mind with McAfee’s Personal Data Cleanup feature where our teams will work to find your personal information online and assist in removing it.  

The post How to Delete Old Accounts Containing Personal Information appeared first on McAfee Blog.

Helping Mom & Dad: Online Banking

By McAfee

Editor’s Note: This is the first in a series of articles about how we can help our elder parents get the most out of digital life—the ways we can help them look after their finances and health online, along with how they can use the internet to keep connected with friends and family, all safely and simply.

Online banking is for everyone. Or at least it should be. 

The benefits of online banking are many for our moms, dads, and grandparents, just as they are for us. Elder adults can deposit checks, pay bills, transfer money to and from investments, and so on, all without needing to leave home. However, our parents and the older people in our lives may face a few hurdles that are holding them back. As a son, daughter, or loved one, there are things you can do to help them clear those hurdles so they can enjoy the convenience of online banking, safely and securely. 

What do some of those hurdles look like?  

  • Familiarity, for one. Their comfort level with the internet simply may not be as high as ours. (After all, so many of us have grown up with it to some degree.) The web page layouts, transactional flows, and basic internet navigation sense that we all take for granted may still feel a touch foreign to them.  
  • Another hurdle is trust. Many of our parents simply know and have come to trust, in-person and face-to-face interactions, particularly at a bank. Simply put, they may be far more trusting of the teller behind the window than the web page on the browser. 

Meanwhile, the digital world continues to evolve apace, particularly with regard to online banking. Between 2018 and 2022, the number of people in the U.S. who use online banking steadily rose to more than 65%, and more than three-quarters of Americans used a mobile device the last time they checked their balance. And as of 2020, nearly two billion people worldwide used online banking, a number that only continues to increase. 

This rise in online banking has implications for the elders in our lives. Even if they aren’t active in online banking themselves, their financial information is part of this digital mix. The banks and financial institutions where they keep their savings and funds are digitally connected and digitally accessible. At a minimum, this means that they should take steps to protect themselves and their finances. Yet the upside is here is that we can help them do much more than that—that we can actually help them take advantage of online banking and enjoy its benefits. 

Setting up online banking for mom and dad—start with the basics 

Depending on their comfort level, you may want to start by reviewing some basic digital literacy before diving right into online banking. As mentioned above, there’s so much about the internet that we take for granted, and the elders in your life may benefit a little 101-level introduction to the internet. 

When you’re both confident that their comfort level with the internet is in the right place, you can move on to the next step—making sure mom and dad have solid online protection in place. This is square one before going online, particularly when you’re banking online. Some basic digital hygiene will help protect their banking and finances. Moreover, it will help protect the other things they do online as well.  

The following quick list is a great way to make them far more secure: 

1) Update their software

That includes the operating system of their computers, smartphones, and tablets, along with the apps that are on them. Many updates include security upgrades and fixes that make it tougher for hackers to launch an attack. 

2) Lock up

Computers, smartphones, and tablets will have a way of locking them using a PIN, a password, a fingerprint, or the owner’s face. Take advantage of that protection, which is particularly important if that device is lost or stolen.  

3) Learn about tracking and wiping smartphones

This is important should they lose their smartphone or believe it’s been stolen. Have them turn on device tracking so that they can locate their phone or even wipe its data and contents remotely if they need to. Apple provides iOS users with a step-by-step guide for remotely wiping devices, and Google offers up a guide for Android users as well.  

4) Use online protection software  

Protecting your devices with comprehensive online protection software will defend them against the latest virus, malware, spyware and ransomware attacks plus help steer them clear of phishing attacks and malicious websites designed to steal personal and financial information. Also, make sure it offers a password manager like ours does, which can create and store strong, unique passwords for each of their accounts—alleviating the burden of mom and dad remembering them.  

5) Look into an identity protection service

With all the personally identifiable information (PII) we create simply by using the internet, tracking and monitoring your PII is essential for preventing identity fraud and theft. The same is true for mom and dad. A strong identity theft protection package will offer cyber monitoring that can detect the misuse of your PII. Our identity protection service takes that protection a step further if the unfortunate happens with $1M coverage for lawyer fees, travel expenses, lost wages, and more. 

Take it in steps 

With their devices and PII more secure, you can move on to the banking portion itself. While there’s so much you can do with online banking, it’s a good idea to take things one at a time. Some elders aren’t sure how to sign up for online banking with their financial institution, so you can start there. Take them through the setup process (using that strong, unique password as mentioned above) and simply get them going.  

From there, they can familiarize themselves with the layout of banking site or app they’re using. A straightforward task like checking account balances is a great way to do just that. After their comfort level with the site or app tales root, you can move on to other things they can do online, like pay bills online, deposit a paper check with their phone, and review their statements for any discrepancies. 

Be ready to lend an ear and a hand 

Another thing that may help put your folks at ease is to let them know you’re there to help. Questions will inevitably come up, and it’ll be a great comfort to them knowing that you’re around to lend them a quick answer as needed.  

For example, let’s talk about spotting possible discrepancies in their statements. Some account entries may look a little strange because the name of a business does not always match the way it appears in a bank or credit card statement. This may lead to questions about the purchase—was it something they made? Is it a legitimate charge? These are answers you can help them track down. 

Related, online banking provides our parents with a powerful tool against identity theft and fraud. By reviewing account statements closely, they can potentially spot bogus charges and purchases before they become a larger, and more costly, problem. (For a great primer on the topic, read and share this article that covers identity theft and fraud, along with steps to prevent it.) 

Call on the experts 

Several different banks offer resources specifically for elder bankers. The offerings will of course vary from bank to bank, yet you may find that they have videos and information on their websites designed to make online banking easier. Likewise, they may offer special services that mom and dad may qualify for. In all, feel free to lean on their bank for assistance as needed. They’re there to help. 

You can also look into independent resources as well, such as the AARP and “Ready, Set, Bank,” which both provide a wealth of videos and articles about online banking.   

Helping mom & dad get the most from online banking 

As kids, grandkids, and younger loved ones, there’s plenty we can do to help the elders in our lives enjoy online banking with confidence. Shoring up their security, starting them easy, and then being there to answer questions can help them clear the hurdles of familiarity and trust they face. 

Just as they’ve guided you through the ins and outs of life, here’s a chance to return the favor. What’s more, it’s yet another way you can spend time together, whether in person or over a call. And that’s a good thing. 

The post Helping Mom & Dad: Online Banking appeared first on McAfee Blog.

What Do Social Media Companies Know About You?

By Lily Saleh

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. 

(Some of) the things social media companies may know about you 

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: 

  • Basic information about you and the devices you use: This includes personal information that people include in their profiles, such as names, birthdates, locations, relationships, and gender. This can extend to other identifiers like IP addresses, unique device ID numbers, connection type, connection speed, your network, other devices on your network. Also, device behavior can get tracked as well. That may include whether a window is open in the foreground or background and what mouse and finger taps you make while using the service.  
  • What interests you: People, pages, accounts, and hashtags that are associated with you and that you interact with in some way can get tracked. Likewise, how those people, pages, and accounts associate themselves with you in return get tracked as well. All of it builds up a profile with increasing levels of detail the more you engage with others and as they engage with you. 
  • What makes you stick around: Social media companies may measure the frequency and duration of your interactions. The more you interact, the more likely you are to have a strong connection to certain topics and opinions—and subsequently, social media companies may suggest similar content that they believe you will engage with just as strongly. For example, Facebook puts it this way on their privacy page (as of October 2021):  

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.   

  • Who you’re chatting with: Depending on the platform and its terms of use, information about direct messages you send using the platform may be collected as well. For example, Twitter does the following (as of October 2021):  

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. 

  • Where you are and where you go: Simply disabling location sharing or GPS functionality on your device does not rule out other ways that social media companies can determine your whereabouts. They can infer your location to some extent when you log in by looking at your IP address and public Wi-Fi networks, along with nearby cellular towers if you’re on mobile.  

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. 

Of course, what you write and post says a lot about you too 

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. 

Limiting what social media companies know about you 

Short of deleting your accounts altogether, there are several things you can do to take control and limit the amount of information you share. 

1. You can access, update, correct, move, and erase your data, depending on the platform. 

For example, you can visit your Facebook SettingsInstagram 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.) 

2. Disable location sharing. 

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. 

3. Review your privacy and account settings. 

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. 

4. Consider using other messaging platforms. 

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. 

5. Decouple your social media account from other apps and sites. 

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. 

6. Use online protection software. 

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. 

Know what you’re sharing  

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.

8 Signs It May Be Time for Parental Controls

By Toni Birdsong

Equipping and guiding your digitally connected child is one of the toughest challenges you will face as a parent. As your child grows and changes, so too will their online activities. Friend groups, favorite apps, and online interests can shift from one month to the next, which is why parental controls can be a parent’s best friend.  

According to a report from Common Sense Media, teens spend an average of seven hours and 22 minutes on their phones a day. Tweens (ages 8 to 12) spend four hours and 44 minutes daily. This is time outside of schoolwork. 

That is a lot of time to stroll the streets of cyberspace for entertainment purposes, and it’s only increased since the pandemic.  

Striking a balance between screen time and healthy device use is an always-evolving challenge. On the one hand, your child’s device is an essential channel connecting them to their self-identity, peer acceptance, and emotional well-being. On the other hand, that same device is also the door that can bring issues such as cyberbullying, predators, risky behavior, and self-image struggles into your child’s life.  

Raising the Safety Bar 

Parental controls are tools that allow parents to set controls on their children’s internet use. Controls include content filters (inappropriate content), usage limits (time controls), and monitoring (tracking activity). 

Many of the technology your family already owns or sites your kids visit have basic parental controls (i.e., built-in controls for android and iPhone and social networks such as YouTube). However, another level of parental control comes in software specifically engineered to filter, limit, and track digital activity. These consumer-designed parental controls offer families a higher, more powerful form of protection.  

 If you are like many parents who land on this blog, you’ve hit a rough patch. You have concerns about your child’s online activity but aren’t sure how to begin restoring balance. Rightly, you want to find the best parental control software and put digital safeguards in place.  

8 Signs Your Family Needs Parental Controls 

Every family dynamic is different, as is every family’s approach to online monitoring. However, most parents can agree that when a negative influence begins to impact the family’s emotional and physical health, exploring new solutions can help get you back on track.  

Depending on your child’s age, you may need to consider parental controls if:  

 1. They don’t respond when you talk to them  

If your child is increasingly engrossed in their phone and it’s causing communication issues in your family, you may want to consider software that includes time limits. Connecting with your child during device-free time can improve communication.  

2. They’ve started ignoring homework and family responsibilities  

There are a lot of reasons grades can plummet, or interests can fade. However, if your child is spending more and more time online, limiting or monitoring what goes on in that time can help restore emotional balance and self-discipline to meet responsibilities.  

3. Their browser history shows access to risky content  

Innocent online searches can lead to not so innocent results or children may go looking for content simply because they’re curious. Parental controls automatically block age-inappropriate sites and filter websites, apps, and web searches.  

4. They won’t give you their device without a fight  

If the phone has become the center of your child’s world at the cost of parental respect and family rules, they may be engaged in inappropriate behavior online, connecting with the wrong friends, or struggling with tech balance. With the proper parental controls, a parent can block risky content, view daily activity, and set healthy time limits.  

5. They’re losing interest in family outings and other non-digital activities  

Poor habits form quietly over time. If your child has dramatically changed their focus in the past three to six months, consider zooming in on why. It may not be technology use, but you may consider an additional layer of protection if it is.   

6. They go into another room to respond to a text  

While everyone deserves privacy, if constantly sneaking away to communicate with a friend is your child’s new norm, you may consider making some screen time adjustments.  

7. They are exhausted  

Unbeknownst to parents, kids might be exchanging sleep for screen time. Parental controls can help you nip this unhealthy habit. Setting time limits can help kids experience deeper sleep, better moods, more focus, and more energy. 

8. They overshare online  

If you browse through your child’s social media and notice their profiles are public instead of private, or if your child tends to overshare personal information, parental controls can help you monitor future activity. 

Ideally, we’d all prefer to live in a world where we didn’t need parental controls at all. Unfortunately, that is neither a present nor future reality. So, we recalibrate, keep learning, and keep adding to our parenting skills. As always, we believe the first go-to digital safety tool is investing in consistent open and honest conversation with your child. And the second tool? Yup, reach for the parental controls. While you may hear some hemming and hawing from your kids at first, the peace of mind you gain from having parental controls in place will be worth it.  

The post 8 Signs It May Be Time for Parental Controls appeared first on McAfee Blog.

Digital Divorce: Who Gets the Airline Miles and Music Files?

By Judith Bitterli
digital assets

Something you’ll want to know about all those movies, mp3s, eBooks, air miles, and hotel points you’ve accrued over the yearsthey’re digital assets that can factor into a divorce settlement. 

Understandably, several factors determine the distribution of assets in a divorce. However, when it comes to dividing digital assets, divorce settlements and proceedings are charting new territoryThe rate of digital innovation and adoption in recent years has filled our phones, tablets, and computers with all manner of digital assets. What’s more, there are also the funds sitting in our payment apps or possibly further monies kept in the form of cryptocurrencies like bitcoinPut plainly, the law is catching up with regards to the distribution of these and other digital assets like them. 

Yet one thing that the law recognizes is that digital assets can have value and thus can be considered property subject to distribution in a divorce. 

In light of this, the following is a checklist of considerations that can help prepare you or someone you know for the distribution of digital assets in a fair and just way.  

Nothing offered in this article is legal advice, nor should it be construed as such. For legal advice, you can and should turn to your legal professional for counsel on the best approach for you and the laws in your area.  

What is a digital asset? 

For starters, let’s get an understanding as to what actually constitutes a digital asset. 

Because laws regarding digital assets vary (and continue to evolve), the best answer you can get to this question will come from your legal counsel. However, for purposes of discussion, a digital asset is any text or media in digital form that has value and offers the bearer the right to use it.  

To put that in practical termslet’s look at some real-world examples of what could constitute a digital asset. That list includes, but is not limited to: 

  • Photo libraries 
  • eBook libraries 
  • Digital movies 
  • Digital music 
  • Digital currency, such as bitcoin 
  • Air miles 
  • Hotel points 

However, digital assets can readily expand to further include: 

  • Subscriptions to streaming services and online publications 
  • Online game accounts—and in-game items associated with them 
  • Currency stored in online payment platforms 
  • Online storefronts, such as eBay, Etsy, or business websites 
  • Website domain names, whether in use or held speculatively for later resale 
  • Documents kept in cloud storage, like financial documents and ancestry research 

And like any other asset in the case of a divorce, a value will be ascribed to each digital asset and then distributed per the conditions or orders of the settlement. 

What digital assets do you have? 

Arriving at the value of specific digital assets begins with an inventory—listing all the digital assets and accounts you own, just as you would with any other monetary or physical assets like bank accounts, properties, and carsWhen you go through this process, chances are you’ll quickly find that you have hundreds if not thousands of dollars of digital assets.  

For example, we can look at the research we conducted in 2011 which found that people placed an average value of $37,438 on the digital assets they owned at the time. Now, with the growth of streaming services, digital currency, cloud storage, and more in the past ten years, that figure feels conservative. 

Above and beyond preparing for a divorce settlement, taking such an inventory of your digital assets is a wise move. One, it provides you with a clearer vision of the things you own and their worth; two, maintaining such a list gives you a basis for estate planning and determining who you would like to see receive those assets. Likewise, maintain that list on a regular basis and keep it safe. It’s good digital hygiene to do so. 

What are digital assets worth in a divorce? 

With this inventory, each asset can then have an assessed value ascribed to it. In some instances, a value will easily present itself, such as the cost of a subscription or how much money is sitting in a PayPal account. In other cases, the value will be sentimental, such as the case is with digital photos and videos. Ideally, you and your spouse will simply be able to duplicate and share those photos and videos amicably, yet it is important that you articulate any such agreement to do so. This way, a settlement can call out what is to be shared, how it will be shared, and when. 

Identify which digital assets cannot be transferred 

Not all digital assets are transferrable. Certain digital assets are owned solely in your name. In other words, you may have access to certain digital assets that cannot transfer to someone else because you do not have the rights to do so per your user agreement. This can be the case with things such as digital books, digital music, and digital shows and movies.  

In such circumstances, there may be grounds for negotiation and a “limited transfer” in the settlement, where one party exchanges one asset for another rather than splitting it equally. A case in point might be a sizeable eBook library on a device that’s in the name of one spouse. While that library can’t be split or transferred, one spouse may keep the eBook library while another spouse keeps a similarly valued asset or group of assets in return—like say a collection of physical books. 

Streaming services and divorce 

Streaming services will need to be addressed too. Be prepared to either terminate your accounts or simply have them assigned to the person in whose name they are kept. In the case of family accounts, the settlement should determine how that is handled, whether it gets terminated or similarly turned over to one spouse or the other. In all, your settlement will want to specify who takes over what streaming service and when that must occur. 

Cryptocurrencies like bitcoin and divorce 

Like dividing up investment accounts where the value of the account can vary daily, digital currencies can present challenges when spouses look to divide the holdings. Cryptocurrency valuation can be quite volatile, thus it can be a challenging asset to settle from a strict dollar standpoint.  

What’s more, given the nature of digital currencies, there are instances where an unscrupulous spouse may seek to hide worth in such currency—which is an evolving issue in of itself. This recent article, “Cryptocurrency: What to Know Before and During Divorce,” covers the additional challenges of cryptocurrency in detail, along with an excellent primer on what cryptocurrency is and how it works. 

Ultimately, cryptocurrency is indeed an asset, one that your attorney and settlement process will need to addressspecifically so that there are no complications later with the transfer or valuation of the awarded currency. 

Passwords and divorce 

With accounts changing hands, now’s the time to start fresh with a new set of passwords. What’s more, we have a tendency to reuse the same passwords over and over again, which may be known to an ex-spouse and is an inherent security risk in of itself. Change them. Even better, take this opportunity to use a password manager. A password manager can create and securely store strong, unique passwords for you, thus saving you the headache of maintaining dozens of them yourself—not to mention making you far more secure than before. 

 Seek out a legal professional 

Again, keep in mind that nothing here is legal advice. Yet, do keep these things in mind when consulting with an attorney. The reality is that we likely have thousands of dollars of what could be considered digital assets. Inventorying them and ascribing a fair market value to them along with your legal professional is the first step in a fair and just settlement. 

The post Digital Divorce: Who Gets the Airline Miles and Music Files? appeared first on McAfee Blogs.

Supporting the Women Most Affected by the Pandemic

By Judith Bitterli
International Women's Day

Supporting the Women Hit Hardest by the Pandemic

Only 57% of women in the U.S. are working or looking for work right now—the lowest rate since 1988.

That telling data point is just one of several that illustrate a stark contrast in these stark times: of the millions who’ve seen their employment affected by the pandemic, women have been hardest hit.

According to the U.S. Bureau of Labor Statistics (BLS), some 2.3 million women left the workforce between the start of the pandemic and January 2021. Meanwhile, the BLS statistic for the number of men who left the U.S. workforce in that same period was 1.8 million. With International Women’s Day here, it’s time we ask ourselves how we can stem this inordinately sized tide of hard-working and talented women from leaving the workforce.

Job losses during the pandemic impact women disproportionately greater than men

A broader BLS statistic provides a further perspective: a total of 4,637,000 payroll jobs for women have been lost in total since the pandemic began in the U.S. alone. That ranges from executive roles, jobs in retail, and educators, to work in public service and more. Of those jobs lost, about one third of women aged 25-44 cited that childcare was the reason for that unemployment.

Combine that with the fact that globally women carry out at least two and a half times more unpaid household and care work than men, and a global gender pay gap of 23%, it’s easy to see why millions of women have simply dropped out of the workforce to manage children and home schooling—even in the instances where employment is available.

Not that this should surprise us. For example, just a few years before the pandemic, research showed that few Americans wanted to revert to the traditional roles of women at home and men in the workplace. However, when push came to shove, the Pew Research showed that women most often made compromises when needs at home conflicted with work. And now we’ve seen that sentiment come home to roost. On a massive scale.

Put plainly, when the pandemic pushed, women’s working lives predominantly went over the edge.

Supporting women working remotely during the pandemic

Within these facts and figures, I’d like to focus on the women who are working remotely while caring for their families, whether that’s their children, elders in their lives, or even a mix of both. What can we do, as employers, leaders, and co-workers in our businesses to better support them?

As early as June, Forbes reported that women were reducing their working hours at a rate four to five times greater than men, ostensibly to manage a household where everything from daycare, school, elder care, and work all take place under the same roof. The article went on to cite ripple-effect concerns in the wake of such reductions like the tendency to pursue less-demanding work, greater vulnerability to layoffs, and reduced likelihood for promotion. In fact, one study conducted in the U.S. last summer found that 34% of men with children at home say they’ve received a promotion while working remotely, while only 9% of women with children at home say the same.

In an interview with the BBC, Melinda Gates, the Co-Chair of the Bill and Melinda Gates Foundation, stated her views on the situation succinctly: “I hope Covid-19 forces us to confront how unsustainable the current arrangement is—and how much we all miss out on when women’s responsibilities at home limit their ability to contribute beyond it. The solutions lie with governments, employers, and families committed to doing things more equitably.” I agree. This is a problem for us to solve together.

How employers and leaders can help

As for the role of employers and leaders in the solution, some thinking presented in The Harvard Business Review caught my eye. The article, “3 Ways Companies Can Retain Working Moms Right Now” focuses on what employers can do to better support the women in their workforce. The three ingredients the authors propose are:

  • Provide certainty and clarity, wherever possible.
  • Right size job expectations.
  • And continue the empathy.

If we think about the stressors we all face, this simple recipe actually reveals some depth. It takes knowing, and engaging with, employees perhaps more greatly than before. One sentence in the conclusion struck me in particular:

“It is no longer an option for managers to pretend that their employees do not have lives outside of their jobs, as these evaporated boundaries between home and work are not going away anytime soon.”

I see this every practically every day when I meet with my team. I’m sure you’ve seen it as well. With our laptop cameras on for sometimes hours a day, we’ve all caught glimpses into our coworker’s lives outside the office, seen that 7am meeting rescheduled for 8am to accommodate a busy breakfast rush with the family, or even kiddos pop into the frame during a call to say “hi.” What we may not see is just how much of a struggle that could be for some in the long haul.

Enter again those notions of providing certainty and clarity, rightsizing job expectations, and showing empathy. While not the end-all-be-all answers, they provide a starting point. As employers and leaders, if we can minimize the x-factors, adapt the workloads, and show compassion as we navigate the road to recovery, we can retain employees—and at least mitigate some of the stressors that are pushing women out of their jobs and careers during this pandemic. Exceptional employers and leaders have always done this. And now, in exceptional times, I believe it must become the norm.

How you as a friend and co-worker can help

Likewise, for co-workers, it’s absolutely okay to check in with people on your team, your vendors, your clients, and other people in your network and simply ask how they’re doing. I’ve had many meetings where we informally go around the horn and talk about what’s going on outside of work. The shared experience of working remotely has a way of creating new norms, and perhaps starting a meeting with an informal check-in way on occasion is one of them.

This is an opportunity to listen, simply so someone can feel better by being heard, and so that we can pinpoint places where we can come in and offer some support.

Some challenges women are facing are beyond our capacity to help firsthand, yet we can identify them when we see them. If you or someone you know is struggling, here are a few resources in the U.S. that can help:

Mental health resources for women

The Office on Women’s Health, part of the U.S. Department of Health & Human services, offers a wealth of resources on its website, along with a help line that can provide further resources as well.

The National Institute of Mental Health has an extended list of articles, resources, and links to services that can provide immediate help for people who are struggling to cope or who are in crisis.

Legal resources for women

A Better Balance is a nonprofit legal advocacy group that “uses the power of the law to advance justice for workers, so they can care for themselves and their loved ones without jeopardizing their economic security.” They offer a confidential help line that can provide people with information about their workplace rights.

The National Women’s Law Center offers complementary legal consultations and with questions about accessing paid sick leave and paid leave to care for a child whose school or childcare provider is closed because of COVID-19.

Stemming the tide together

As women leave the workforce worldwide, we’ve seen organizations lose precious talent, and we’ve seen women sacrifice their livelihoods and career paths. As such, the pandemic has exacted hard and human costs, ones that have fallen on women in outsized ways.

A problem of this scope is one for us to solve collectively. Apart from the bigger, broader solutions that may be forthcoming, as the employers and co-workers of women, there’s something we can do right now: reach out, listen, and act. These days call for more empathy and adaptation than ever before, particularly for the hard-working women who are doing it all—and then some.

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