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Happy Download Day! (Yes, there’s a day for that.) Today is an excellent day to share downloading best practices to keep all your devices safe from malicious content. It’s tempting to download “free” shows, movies, and video games, but the consequences of doing so can be quite expensive. All it takes is for one malicious download to compromise your identity or leak your banking information to cybercriminals.
Luckily, there are a few ways to keep your devices and personally identifiable information (PII) safe. Here’s how!
How many streaming services do you subscribe to? Two? Ten? No matter how many premium entertainment subscriptions you have, the hottest new show always seems to be on the channel you can’t access. This is a common scenario that often drives people to download episodes from websites that claim crystal-clear, safe downloads. In actuality, these sites could harbor malware, spyware, or other types of malware that lurk in the shadows until an unsuspecting person downloads them to their desktop, tablet, or cellphone.
Malware, which stands for malicious software, often hides behind legitimate-looking links or downloadable content. It’s only until it’s on your device that you realize there’s a criminal hiding behind it. For example, earlier in 2022, a ransomware program (a type of malware) disguised itself as a Microsoft system update. The criminal behind the scheme then threatened leaking or permanently deleting sensitive files if the person didn’t pay the ransom.
Once malware infects one device, some malware programs can infect an entire home network and spread to other connected devices.1 From there, the cybercriminal can steal the online shopping, banking, or personal details of a whole household and either sell their findings on the dark web or keep it for themselves.
Before you download anything to any of your devices, go through this checklist to help you determine the safety of most content:
Overall, while downloading entertainment for free is appealing to people on a budget, it’s better to avoid doing so altogether. The risk isn’t worth it. Consider scheduling a watch party with a friend or family member who has the subscription service you’re seeking.
In case you slip up and accidentally download malware, spyware, or ransomware, McAfee+ Ultimate can defend your devices, remove the software, and monitor the dark web to make sure your PII wasn’t compromised. McAfee antivirus is compatible with macOS, iOS, and Android devices and Chromebooks, so you can regularly scan all your devices for programs that shouldn’t be there. If the worst does happen and a cybercriminal gets a grip on your personal information, McAfee can back you up with $1 million in identity theft coverage and restoration and continuous identity monitoring.
Browse confidently and enjoy your devices to the fullest! Just remember these safe downloading tips and partner with McAfee for peace of mind.
1Federal Trade Commission, “Malware from illegal video streaming apps: What to know”
The post Celebrate National Download Day With This Safe Downloading Checklist appeared first on McAfee Blog.
It’s important to know that not all websites are safe to visit. In fact, some sites may contain malicious software (malware) that can harm your computer or steal your personal contact information or credit card numbers.
Phishing is another common type of web-based attack where scammers try to trick you into giving them your personal information, and you can be susceptible to this if you visit a suspicious site.
Identity theft is a serious problem, so it’s important to protect yourself when browsing the web. Online security threats can be a big issue for internet users, especially when visiting new websites or following site links.
So how can you tell if you’re visiting a safe website or an unsafe website? You can use a few different methods. This page discusses key things to look for in a website so you can stay safe online.
When you’re visiting a website, a few key indicators can help determine whether the site is safe. This section explores how to check the URL for two specific signs of a secure website.
“Https” in a website URL indicates that the website is safe to visit. The “s” stands for “secure,” and it means that the website uses SSL (Secure Sockets Layer) encryption to protect your information. A verified SSL certificate tells your browser that the website is secure. This is especially important when shopping online or entering personal information into a website.
When you see “https” in a URL, the site is using a protocol that encrypts information before it’s sent from your computer to the website’s server. This helps prevent anyone from intercepting and reading your sensitive information as it’s transmitted.
The padlock icon near your browser’s URL field is another indicator that a webpage is safe to visit. This icon usually appears in the address bar and means the site uses SSL encryption. Security tools and icon and warning appearances depend on the web browser.
Let’s explore the cybersecurity tools on the three major web browsers:
Overall, the ”https” and the locked padlock icon are good signs that your personal data will be safe when you enter it on a website. But you can ensure a website’s security is up to par in other ways. This section will explore five in-depth methods for checking website safety.
McAfee WebAdvisor is a free toolbar that helps keep you safe online. It works with your existing antivirus software to provide an extra layer of protection against online threats. WebAdvisor also blocks unsafe websites and lets you know if a site is known for phishing or other malicious activity. In addition, it can help you avoid online scams and prevent you from accidentally downloading malware. Overall, McAfee WebAdvisor is a useful tool that can help you stay safe while browsing the web.
When you’re browsing the web, it’s important to be able to trust the websites you’re visiting. One way to determine if a website is trustworthy is to look for trust seals. Trust seals are logos or badges that indicate a website is safe and secure. They usually appear on the homepage or checkout page of a website.
There are many types of trust seals, but some of the most common include the Better Business Bureau (BBB) seal, VeriSign secure seal, and the McAfee secure seal. These seals indicate that a third-party organization has verified the website as safe and secure.
While trust seals can help determine whether a website is trustworthy, it’s important to remember that they are not foolproof. Website owners can create a fake trust seal, so it’s always important to do your own research to ensure a website is safe before entering personal information.
Another way to determine if a website is safe to visit is to check for a privacy policy. A privacy policy is a document that outlines how a website collects and uses personal information. It should also state how the site protects your data from being accessed or shared by scammers, hackers, or other unauthorized individuals.
If a website doesn’t have a privacy policy, that’s a red flag that you shouldn’t enter any personal information on the site. Even if a website does have a privacy policy, it’s important to read it carefully so you understand how the site uses your personal data.
It’s important to do some preliminary research before visiting a new website, especially if you’re shopping online or entering personal data like your address, credit card, or phone number. One way to determine if a website is safe and trustworthy is to check third-party reviews. Several websites provide reviews of other websites, so you should be able to find several reviews for any given site.
Trustpilot is one example of a website that provides reviews of other websites.
Look for common themes when reading reviews. If most of the reviews mention that a website is safe and easy to use, it’s likely that the site is indeed safe to visit. However, if a lot of negative reviews mention problems with viruses or malware, you might want to avoid the site.
You can also analyze the website design when deciding whether a website is safe to visit. Look for spelling errors, grammatical mistakes, and anything that appears off. If a website looks like it was made in a hurry or doesn’t seem to be well-designed, that’s usually a red flag that the site might not be safe.
Be especially careful of websites that have a lot of pop-ups. These sites are often spammy or contain malware. Don’t download anything from a website unless you’re absolutely sure it’s safe. These malicious websites rarely show up on the top of search engine results, so consider using a search engine to find what you’re looking for rather than a link that redirects you to an unknown website.
If you’re unsure whether a website is safe to visit, download McAfee WebAdvisor for free. McAfee WebAdvisor is a program that helps protect you from online threats, such as malware and viruses. It also blocks pop-ups and other intrusive ads so you can browse the web without worry. Plus, it’s completely free to download and use.
Download McAfee WebAdvisor now and stay safe while browsing the web.
The post How to Tell Whether a Website Is Safe or Unsafe 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.
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.
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.
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