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There are no ifs, ands, or buts about it: A stolen identity creates a mess. Once they have a few key pieces of personally identifiable information (PII), an identity thief can open new credit lines, create convincing new identities, and ruin an innocent person’s good credit.
If you suspect you’ve been affected by identity theft, acting quickly is key to stopping the thief and repairing the damage. Here are the definitive five steps of identity remediation, or the process of restoring and protecting the privacy of your identity.
With a stolen identity in hand, thieves can open new lines of credit or apply for large loans using someone else’s excellent credit score for leverage. If undetected, fraudsters can run up huge bills, never pay them, and in turn, ruin the credit score that you spent years perfecting. When you suspect or confirm that your identity has been compromised and you’re in the United States, alert the three major credit bureaus: Equifax, TransUnion, and Experian.
Freezing your credit means that no one (not even you) can open a new credit card or bank account. This prevents criminals from misusing your identity. Initiating a credit freeze is free and it doesn’t affect your credit score.
Once you suspect a criminal has stolen your identity, file a report with the Federal Trade Commission. Its official identity theft website includes a form for you to detail the circumstances. From there, the FTC will investigate.
It’s important to file a report because law enforcement can get involved and hopefully stop the criminal from striking again. Also, an official document from law enforcement or the FTC may help your bank and the credit bureaus resolve the damage.
Whenever a company with which you have an account is breached, the first step you should take is to quickly change your password. The same goes for when your identity is compromised with the added step of getting in touch with your banks and asking their fraud department to issue you new credit and debit cards and put them on alert for possible suspicious charges.
Having unique passwords for all your accounts is crucial to keeping them secure. For instance, if one of your accounts is breached and a cybercriminal lifts that username and password combination, they may then attempt to use it on other sites. To ensure you have strong passwords and passphrases for every site, consider using password manager software. Password managers are incredibly secure and make it so you only have to remember one password ever again.
In addition to freezing your credit, you may have to sync up with each bureau to remedy any damage the identity thief may have done to your credit. Each bureau’s fraud department is very familiar with these scenarios, so their customer service department is experienced and more than willing to help you work through it.
Once you’ve cleaned up the immediate mess made by an identity thief, it’s important to continuously monitor your identity in case the thief is biding their time or pieces of your PII are still circulating on the dark web. Plus, the headache of one compromised identity incident is enough for someone to never want it to happen again. Identity monitoring is a very thorough process that will give you peace of mind that you’ll be protected and can enjoy your online life safely.
These five steps, while important, can be tedious. It may require a lot of patience to sit on hold and sift through all the relevant forms. Luckily, McAfee is an excellent partner who can help you with all your identity remediation needs with just one service: McAfee+ Ultimate. For example, security freeze is an easy way to put a halt on your credit. McAfee’s identity monitoring service monitors up to 60 unique types of personal details. If your PII appears on the dark web, Personal Data Cleanup can remove it.
Recover and move forward confidently after an identity theft with McAfee by your side.
The post Everything You Need to Know About Identity Remediation appeared first on McAfee Blog.
Password protection is one of the most common security protocols available. By creating a unique password, you are both proving your identity and keeping your personal information safer. However, when every account you have requires a separate password, it can be an overwhelming task. While you should be concerned about the safety of your data, you also want to avoid the frustration of forgetting your password and being blocked from the information you need. However, the benefits of using strong, unique passwords outweigh the occasional inconvenience.
The main benefit of a strong password is security. Hackers work quickly when they are trying to access accounts. They want to steal as much information as they can in as short a time as possible. This makes an account with a strong password less inviting because cracking the code is much more involved.
A strong password also limits the damage that hackers can do to your personal accounts. A common strategy involves cracking the passwords of less secure sites with limited personal information. The hackers hope that they can use the password from your gym membership app to access information in your online banking account. Strong password protection prevents this situation.
When someone is registering an online account, it can be tempting to blaze through the password process. In order to move quickly, there are several poor password practices that people employ.
A password is considered strong when it is difficult for a hacker to crack it quickly. Sophisticated algorithms can run through many password combinations in a short time. A password that is long, complex and unique will discourage attempts to break into your accounts.
If you want a password that is memorable but strong, you can easily turn a phrase into a layered, complex password. In this process, it is important to note that you should not use personal information that is available online as part of your phrase.
Now, you have a password that you can remember while challenging the algorithms hackers use.
When you consider the number of accounts you need to protect, coming up with a properly layered password is a time-consuming task. Even if you are able to decide on a memorable phrase, there are just too many accounts that need passwords. A password manager is a helpful tool to keep you safe while you are online. It acts as a database for all of your passwords. Each time you create a new code, it stores it so that you can automatically enter it later. You only need to remember a single password to access the tools of your manager.
Most managers can also do the work of creating complex, layered passwords for your accounts. These will be a string of random numbers, letters and characters. They will not be memorable, but you are relying on the manager to do the memorizing. These machine-generated passwords are especially helpful for accounts you rarely access or that do not hold significant information.
For critical accounts like your bank account or a work-related account, it can be helpful to keep an offline list of your passwords. Complex passwords are meant to be difficult to remember. You may recall the phrase but not all the detailed changes that make it layered. Keeping a document on a zip drive or even in a physical paper file or journal will allow you to access your information if your hardware fails or you are switching to a new system.
Cracking passwords is just one of the strategies hackers use to steal information. In addition to using strong passwords, it is important to employ comprehensive security software. Strong passwords will help protect your online accounts. Strong overall security will keep your hardware and network safe from danger.
The post Strong Password Ideas to Keep Your Information Safe appeared first on McAfee Blog.
Fears and phobias. We all have them. But what are your biggest ones? I absolutely detest snakes but spiders don’t worry me at all. Well, new research by McAfee shows that cybercriminals and the fear of being hacked are now the 5th greatest fear among Aussies.
With news of data breaches and hacking crusades filling our news feed on a regular basis, many of us are becoming more aware and concerned about the threats we face in our increasingly digital world. And McAfee’s latest confirms this with hackers making their way into Australia’s Top 10 Fears.
According to research conducted by McAfee, snakes are the top phobia for Aussies followed by spiders, heights and sharks. Cybercriminals and the fear of being hacked come in in 5th place beating the dentist, bees, ghosts, aeroplane travel and clowns!
Aussie Top 10 Fears and Phobias
Fears and phobias develop when we perceive that we are at risk of pain, or worse, still, death. And while almost a third of respondents nominated snakes as their number one fear, there is less than one-in-fifty thousand chance of being bitten badly enough by a snake to warrant going to hospital in Australia, according to research from the Internal Medicine Journal.
In contrast, McAfee’s analysis of more than 108 billion potential online threats between October and December, identified 202 million of these threats as genuine risks. With a global population of 7.5 billion, that means there is approximately a one in 37 chance of being targeted by cybercrime. Now while this is not a life-threatening situation, these statistics show that chance of us being affected by an online threat is very real.
According to the research, 82% of Aussies believe that being hacked is a growing or high concern. And when you look at the sheer number of reported data breaches so far this year, these statistics make complete sense. Data breaches have affected Bunnings staff, Federal Parliament staff, Marriott guests, Victorian Government staff, QLD Fisheries members, Skoolbag app users and Big W customers plus many more.
Almost 1 in 5 (19%) of those interviewed said their top fear at work is doing something that will result in a data security breach, they will leak sensitive information or infect their corporate IT systems.
The fear that we are in the midst of a cyberwar is another big concern for many Aussies. Cyberwar can be explained as a computer or network-based conflict where parties try to disrupt or take ownership of the activities of other parties, often for strategic, military or cyberespionage purposes. 55% of Aussies believe that a cyberwar is happening right now but we just don’t know about it. And a fifth believe cyber warfare is the biggest threat to our nation.
Being proactive about protecting your online life is the absolute best way of reducing the chances of being hacked or being affected by a data breach. Here are my top tips on what you can now to protect yourself:
Using a password manager to create unique and complex passwords for each of your online accounts will definitely improve your online safety. If each on your online accounts has a unique password and you are involved in a breach, the hacker won’t be able to use the stolen password details to log into any of your other accounts.
Storing your financial data within your browser and being able to populate online forms quickly within seconds makes the autofill function very attractive however it is risky. Autofill will automatically fill out all forms on a page regardless of whether you can see all the boxes. You may just think you are automatically entering your email address into an online form however a savvy hacker could easily design an online form with hidden boxes designed to capture your financial information. So remove all your financial information from Autofill. I know this means you will have to manually enter information each time you purchase but your personal data will be better protected.
One of the easiest ways for a cybercriminal to compromise their victim is by using phishing emails to lure consumers into clicking links for products or services that could lead to malware, or a phoney website designed to steal personal information. If the deal seems too good to be true, or the email was not expected, always check directly with the source.
It’s important to put the right security solutions in place in order to surf the web safely. Add an extra layer of security to your browser with McAfee WebAdvisor.
I know public Wi-Fi might seem like a good idea, but if consumers are not careful, they could be unknowingly exposing personal information or credit card details to cybercriminals who are snooping on the network. If you are a regular Wi-Fi user, I recommend investing in a virtual private network or (VPN) such as McAfee Secure VPN which will ensure your connection is completely secure and that your data remains safe.
While it is tempting, putting our head in the sand and pretending hackers and cybercrime don’t exist puts ourselves and our families at even more risk! Facing our fears and making an action plan is the best way of reducing our worry and stress. So, please commit to being proactive about your family’s online security. Draw up a list of what you can do today to protect your tribe. And if you want to receive regular updates about additional ways you can keep your family safe online, check out my blog.
‘till next time.
Alex x
The post Aussies Fear Snakes, Spiders and Getting Hacked appeared first on McAfee Blog.
Whether using the internet for play or work, you want to spend your time online enjoying the peace of mind that comes with having a secure network.
You don’t want to contend with someone taking your personal data — whether it’s credit card information, passwords, or bank account details — via malware or a data breach on your Android, Windows, or Apple iOS device.
Fortunately, with some sensible precautions and simple steps, you can use your connected devices productively without worrying about cybercriminals and malicious software. This article explains how to stop hackers from getting access to your sensitive data.
You can take steps to protect your different computing and mobile devices and operating systems. These steps can be divided into technological solutions and the right awareness and information to provide a comforting measure of self-protection.
It’s like learning karate for self-defense, giving you confidence as you negotiate the wider world (and hoping that you never have to use it).
When it comes to identity protection software, McAfee provides a proven solution with our identity protection and privacy services. The protection includes alerts if your sensitive information is found on the dark web (up to 10 months sooner than other providers), personal data cleanup from sites gathering and selling your information, and an unlimited virtual public network (VPN) service that protects your privacy as you use public Wi-Fi networks.
You’ll also get up to $1 million in identity theft coverage and hands-on restoration support to help you reclaim your identity.
Simple, obvious passwords and passcodes (like your street address, your birthday, your kids’ or pets’ names, or “1234” or “abcd”) are easy for cybercriminals to crack, giving them unwanted access to your private data.
The stronger your password, the better your protection. Some best password practices include:
It’s important not to be a standing target. Just as you should use different passwords for everything, you should regularly change your passwords. You should do this a few times a year (although some cyber experts say this might not be necessary if you have a long and very complicated password).
If you have a number of passwords that you update often, it might be worth getting a password manager like McAfee True Key to keep track of them. Not only will you not be faced with remembering all your different passwords or writing them down (also a no-no), but it can also help you create and store unique passwords.
The software uses the strongest encryption algorithms available to protect your passwords, scrambling them so no one else can access them. It’ll also suggest new passwords and automatically log you into your online accounts with just one master password.
Another important line of defense is multi-factor authentication (sometimes known as two-factor authentication). This system uses a password and a second piece of verification — often an SMS message sent to your Android device or iPhone — to authenticate your identity.
This provides hard-to-beat protection even if a hacker has your password. Besides receiving SMS codes, there are also code-generating apps and physical security keys.
Thinking before you click on an email or text is a very important defense against phishing scams. Your bank won’t send you an email or text notifying you that there’s been suspicious activity on your account.
Does getting a large refund from your phone company sound too good to be true? It is. Similarly, the Internal Revenue Service (IRS) won’t text to tell you that you owe them money, and princes aren’t going to give you a fortune out of the blue.
Internet users beware: If you’re not absolutely certain that the text message you received is from a legitimate and trusted source, delete it. You can always contact the business or person directly to confirm that the message is legit.
Any operating system or app you use is open to malicious cyberattacks. This is why you should keep all your software up to date with the latest versions. Software developers are continually fixing holes in their products and offering cybersecurity patches to make them as safe and hacker-proof as possible.
Make sure your software, firmware, and security settings are up to date on your home’s Wi-Fi router, as well. You can often change your settings to allow for automatic updates.
Sure, who doesn’t like to go to a cafe, library, or hotel lobby to use the free Wi-Fi? But security is often weak in these public networks. If you open your online banking account or access personal information, you may unwittingly be giving a personal invitation to eavesdropping cybercriminals.
This is where the bank-grade level of protection of McAfee Secure VPN comes in, which automatically turns on when you need it and keeps you safe on public Wi-Fi networks.
Even if your device does get hacked, you can protect vital information on your Windows or macOS system with an encryption program like BitLocker or FileVault. You can protect any hard drive you use, including portable ones and USB keys.
It’s also a good idea to only shop at encrypted websites marked with the prefix “HTTPS” in their URLs.
One of the best ways to surf the web in comfort while keeping hackers at bay is with the comprehensive solutions provided by McAfee Total Protection.
Your protection includes proactive measures (meaning we’ll guide you to the best choices for prevention), early detection, and expert identity theft support.
This means you’ll get identity monitoring, up to $1 million in identity theft coverage, lost wallet protection, premium antivirus software, a secure VPN, and personal data removal. In particular, our Personal Data Cleanup service will help find and remove your personal information from data broker websites and people search sites.
With McAfee, you don’t have to be afraid of hackers. Let us deal with them.
The post How to Stay One Step Ahead of Hackers appeared first on McAfee Blog.
Fewer people carry cash these days, kids included. This growing paperless reality fast-forwards the parenting task of educating kids on financial responsibility. As of 2021, most cash apps allow kids 13 and up to open accounts (previously, the age was 18). Kids can also get a cash app debit card for retail purchases. But while cash apps are a popular and convenient tool, they come with some risks families should consider.
Cash apps allow kids to exchange money with friends directly from a secondary established account, much like handing another person cash. Cash apps have become a popular tool with kids and an easy way to split costs or pay someone for a purchase. Cash apps also come in handy for families and allow parents to instantly send their children money for daily expenses such as school or sports fees, meals, purchases, or entertainment. Some common cash apps include Venmo, Zelle, Cash App (Square), Pay Pal, Zelle, and Facebook Pay, among others.
Sounds awesome right? But with ease comes risk. Most money transfer app funds are not FDIC insured. That means if your child (or you) accidentally sends money to an unintended recipient, they may have a tough time recovering those funds.
Every app comes with some degree of risk. While the leading cash apps are considered secure and can be used with little concern, there’s always the potential of a cyber crook finding a security loophole that exposes your money, banking information, and identity.
The use of cash apps is here to stay and, no doubt, an integral part of the overall paperless fast track we’re all on. Guiding kids into this realm equipped with knowledge and confidence is a powerful way parents can help kids enjoy the responsibility of money without falling prey to digital risks.
The post Kids & Cash Apps: What Parents Need to Know 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 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. McAfee Safe Connect VPN 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.
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.
Who loves tax season besides accountants? Scammers.
Emotions can run high during tax time. Even if you’re pretty sure you did everything right, you may still have a few doubts kicking around. Did I file correctly? Did I claim the right deductions? Will I get audited? As it turns out, these are the very same anxieties that criminals use as the cornerstone of their attacks.
So yes, crooks indeed love tax season. Particularly online. And they’ll bait your digital world with several proven types of scams in an effort to cash in on what can be a somewhat uncertain time.
The good news is that you have plenty of ways to protect yourself from these scams. Let’s look at what scammers typically have in store, along with some practical advice to protect yourself as you file your taxes—things you can do to keep crooks out of your business this tax season. Don’t delay, download McAfee’s tax season security guide to avoid the latest tax scams.
First, know that you’re probably doing a good job with your taxes. Less than 2% of returns get audited and most discrepancies or adjustments can get handled easily if you address them promptly.
Still, the wariness of the IRS and intricate tax laws makes for ripe pickings when it comes to hackers, who prey on people’s fear of audits and penalties. Common scams include fake emails, phone calls from crooks posing as IRS agents, and even robocalls that threaten jail time.
What are crooks looking to do with their scams? Several things:
As if we didn’t have enough to worry about at tax time without crooks in the mix.
Investigating the landscape even more closely, we can turn to the authority itself, as the IRS has published its most recent top 12 tax season scams, a broad list that includes:
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For a comprehensive look at each one of these scams, and for ways, you can steer clear of them, check our Guide to IRS & Tax Season Scams. However, there are some common threads to many of these scams.
For starters, plenty of tax scams involve crooks posing as an IRS employee, perhaps via a phone call or email, to glean personal information from you, or to demand payment—sometimes under the threat of penalties or even jail time. Crooks won’t hesitate to use strong-arm tactics like these and play on your fears. The good news is that such tactics are typically a sign that the contact isn’t legitimate. In fact, a quick way to spot a scam is to know what the IRS won’t do when they contact you. From the IRS.gov website, the IRS will not:
What will the IRS do? Usually, the IRS will first mail a notification to any taxpayer who owes taxes. IRS collection employees might call on the phone or make an unannounced visit to your home or business. If they require payment, the payment will always be to the U.S. Treasury. Read about other ways to know what the IRS won’t do when they contact you.
Scammers won’t limit themselves to posing as the IRS. They’ll act as an imposter in several other ways as well. For example, they may pose as a popular do-it-yourself tax brand, a tax preparer, or even as a phony charitable organization that promises any donations you make are tax-deductible.
Here, they may send you phony emails or direct messages or even ring you up with bogus telemarketing or robocalls designed to steal personal information.
In the cases where the scammers reach you online, the emails and messages they send will vary in their tone and polish—in other words, how authentic they appear. Some will look nearly legitimate and cause even the most hardened of digital skeptics to click on a phony link or download a sketchy attachment. Others, well, will look clearly like spam, complete with spelling and grammatical errors, along with clumsy use of logos, layouts, and design.
Taken together, both are ways that scammers get people to visit sites designed to compromise personal information … or to download malware like keyloggers that skim account passwords and ransomware that encrypt a victim’s files hold them hostage for a price.
Social media attacks also made the IRS Dirty Dozen. In a social media attack, scammers harvest information from social media profiles and turn it against their victims. Per the IRS, because “social media enables anyone to share information with anyone else on the Internet, scammers use that information as ammunition for a wide variety of scams. These include emails where scammers impersonate someone’s family, friends, or co-workers.”
With those personal details gleaned from social media, scammers will send phony links to scam sites, promote bogus charities, or flat-out ask for money or gift cards to “help them out” at tax time.
No question that bogus emails, messages, and phone calls remain a popular way for scammers to steal personal and financial information. Spam emails, messages, and the malicious links associated with them abound this time of year as well. It’s always to keep a critical eye open for these, and it’s particularly true during tax season.
View all emails with attachments and links with suspicion, even if they appear to come from a person, business, or brand you know. Confirm attachments with the people you know before opening. And if you receive a message or alert about an account of yours, visit that company or organization’s website directly to enquire into the status of your account rather than taking a chance by clicking on a link that could send you to a phony website.
One way to protect yourself from an identity thief from claiming a return in your name is to file yours before they do. In fact, many victims of identity theft find out they’ve been scammed when they receive an IRS notification that their tax claim has already been filed. Simply put, file early.
Here’s another tool that can help you fight identity theft. And get this: it’s not only helpful, but it’s also free. Through the Federal Trade Commission, you are entitled to a free copy of your credit report from each of the three major credit reporting companies once every 12 months. In this report, you can find inaccuracies in your credit or evidence of all-out identity theft.
Keep in mind that you get one report from each of the reporting companies each year. That works out to three reports total in one year. Consider this: if you request one report from one credit reporting company every four months, you can spread your free credit report coverage across the whole year.
As with much of the guidance we offer around social media, one of the best ways to prevent such social media tax attacks is to make your profiles private so that only friends and family can see them. That way, scammers will have a far more difficult time reaching you. Moreover, consider paring back the information you share in your social media profiles, like your alma maters, birthday, mother’s maiden name, pet names—any personal information that a scammer may use to compromise your accounts or the security questions associated with them.
Protecting your devices with comprehensive online protection software can help block the phishing emails and suspicious links that make up many of these tax attacks. Likewise, it can further protect you from ransomware attacks like mentioned above. Additionally, our online Protection Score looks for weak spots in your protection and helps you shore them up, such as if discovers that your info was compromised or part of a data breach. From there, it guides you through the steps to correct the problem.
Further, consider online protection software that offers identity theft protection as well. A strong identity theft protection package offers cyber monitoring that scans the dark web to detect misuse of your personal info. With our identity protection service, we help relieve the burden of identity theft if the unfortunate happens to you with $1M coverage for lawyer fees, travel expenses, lost wages, and more.
The IRS offers steps you can take in the event you suspect fraud or theft. Their current resources include:
As mentioned above, you can get even more up to speed on the different tricks hackers are using by downloading our Guide to IRS & Tax Season Scams. It’s free, and it offers more ways you can protect your identity and information this tax season and year ‘round.
The post The IRS “Dirty Dozen” – Top Tax Season Scams to Steer Clear of This Year appeared first on McAfee Blog.
International Women’s Day serves as an important reminder that each and every one of us plays a role in recognizing and addressing gender bias. Together, we can make a difference in creating a more equitable world for all.
At McAfee, we know that genuine change requires continuous commitment. And while we’re proud of the efforts we’re making as a company – from being the first cybersecurity company to achieve global pay parity (and maintain it), to expanded time off for new parents, to a woman on every hiring panel to help remove bias – we know there is more to do.
This International Women’s Day and beyond, McAfee team members around the globe share how they’ll continue to advance inclusion and gender equality by actively working to #BreakTheBias.
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JaffarSadhik
Software Quality Engineer (India) A gender equal world starts with a change. A change within families, a change with perspectives, a change among society!
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Arathi Program Manager (Canada) I am helping to #BreakTheBias by teaching my son that both boys and girls, men and women can do it all.
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Krupali
Sr Market Research Analyst (USA) We need to think differently. Women have, are and will always be quintessential architects of society. Together we can #BreakTheBias
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Ambareen Software Engineer (UK) Collectively we can all #BreakTheBias! I am doing my part and learning from my mum and helping the next generation believe in themselves irrespective of gender.
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Kevin Real Estate & Workplace Strategy (Ireland) Equality can only be achieved if diversity, difference and qualities of woman are truly valued. We must work together to acknowledge and #BreakTheBias.
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Darya Channel Marketing (Australia) Bias against anyone for simply being different, limits our growth and is a significant waste of talent, energy and happiness. I commit to taking an active role in questioning perceptions to do my part to influence change.
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Natalia Software Sales (Canada) I will help #BreakTheBias by raising and supporting a strong independent young adult and setting an example for her. I do so by choosing my career path while leading and growing personally and professionally!
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Winnie Talent Acquisition Partner (Australia) I will #BreakTheBias by addressing and challenging gender stereotypes.
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Aisling Senior People Partner (Ireland) I will help #BreakTheBias by encouraging conversations around diversity, challenging myself and others to consider where we can make changes that will have a positive impact.
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Join McAfee and millions of others around the world in celebrating International Women’s Day by sharing how you’ll #BreakTheBias.
Interested in building your career at a company that helps women thrive? Search our openings!
The post McAfee Teammates Share How They’ll Help #BreakTheBias this International Women’s Day 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.
Most of us take our skills for granted when it comes to technology. We move effortlessly between applications and multiple devices. We install new software, set up numerous accounts, and easily clear technical hurdles that come our way. Unfortunately, that picture isn’t the norm for many older adults.
Engaging with technology can be challenging for older adults. However, when digital literacy skills are neglected or avoided, everyday activities such as online bill paying, shopping, medical appointments, and even social media can be overwhelming. And, since the pandemic, the digital divide between older adults and digital skills has become even more evident.
One Pew study revealed that older adults continue to lag behind younger adults when it comes to technology adoption in that 41% do not use the internet at all, 23% do not use cell phones, and over 75% say they require help when learning how to use new technology.
The Pew study also highlighted good news: Attitudes shift for the better when older adults increase their digital skills and access the Internet more frequently. Fully 79% of older adults who use the internet regularly agree with the statement that “people without internet access are at a real disadvantage because of all the information they might be missing.” In comparison, 94% agree with the statement that “the internet makes it much easier to find information today than in the past.”
So how can we help the older adults in our lives grow both their digital skills and their confidence? Building practical digital skills begin with a commitment to one another, to consistency, and to learning. Here are some tips to get you started.
If you are helping an older adult build their digital skills, it’s crucial to schedule dedicated training time. Commitment and consistency will be key to achieving real results. If you’re the older adult learning on your own, set aside dedicated learning time with clear goals. For instance, “Each day this week from 7 a.m. to 9 a.m. I will learn how to set up my email and how to maximize security on all my devices.”
Fortunately, more and more resources are emerging to help older adults bridge their technology gaps, and most are free. A few places to begin include AARP’s Senior Planet, Candoo Tech, and GetSetUp. To find a program in your area, go to at3center.net.
Online security is one of the most critical conversations you can have with the older adults in your life. Following best practices such as installing security software, using strong passwords with Two-Factor Authentication (2FA), understanding data privacy, and knowing how to identify phishing and malware scams are fundamental components of digital literacy. For a deeper dive into cybersecurity best practices, read more.
Older adults can easily fall prey to scams, conspiracies, hoaxes, and false news stories online. A recent study out of Princeton and NYU found that, prior to the 2016 election, adults over 65 were seven times more likely than those under 29 to post articles from fake news domains. Understanding how to spot misinformation online is a critical skill for anyone online. One resource to build media literacy is MediaWise for Seniors, a series of free online courses by Poynter designed to help older adults detect and combat fake news and misinformation. In addition, consider dialogue on how to challenge each piece of digital content by asking:
Jargon excludes and when you use insider language with a non-technical person, it can get overwhelming. Slow down. Use ordinary terms. For instance, instead of the hyperlink, consider “link.” Instead of URL, opt for “website address.” Rather than DM/PM, use “Private Message.” Note: Avoiding jargon doesn’t mean you dumb down to a person; it means using plain language to explain the same concept.
It’s a myth (and an unfortunate stereotype) that older adults don’t have the ability or don’t want to learn about technology. Frankly, they can, and they do. However, physical and mental changes are part of the aging process, which means repetition and patience are part of the process. Consider creating easy-to-read cheat sheets to summarize the day’s lesson.
Technology is impacting our lives in myriad ways, and no one feels this reality pressing in more than older adults. If you find yourself in the privileged position of coaching an older adult toward digital confidence, remind them of the gains ahead and that the gap from “here” to “there” isn’t nearly as large as they’ve imagined. Whenever possible, point their sights to the proven benefits of stepping off the sidelines and into a connected world.
The post Helping Older Adults Build Strong Digital Literacy Skills 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.
Something’s not right. Maybe your phone is losing its charge way too quickly. Or one day it suddenly starts turning itself off and on again. Perhaps it’s running hot, so hot it’s hard to hold. Likewise, you might see outgoing calls that you never dialed or strange spikes in your data usage. Signs like these could mean that your smartphone’s been hacked. Learn how to protect your smartphone with McAfee Mobile Security
Several signs of a potential smartphone hack can look like a technical issue, at least on the surface. Yet the fact is that these issues may be a symptom of a deeper problem, such as malware installed on your smartphone. Malware can eat up system resources or conflict with other apps and your operating system, all of which can cause your phone to act sluggish or erratically.
Yet, in a way, that’s good news. Because malware can run inefficiently on your phone and create hiccups both large and small, it can tip you off to its presence. And with all the important information we carry in the palms of our hands nowadays, that’s good news twice over. Knowing the signs, subtle or otherwise can alert you to an otherwise largely invisible problem.
Whether hackers physically sneak it onto your phone or by tricking you into installing it via a phony app, a sketchy website, or a phishing attack, hacking software can create problems for you in a couple of ways:
Some possible signs of hacking software on your phone include:
Maybe you’ve seen some of the signs we mentioned earlier. Is your device operating slower, are web pages and apps harder to load, or does your battery never seem to keep a charge? These are all signs that you could have malware running in the background, zapping your phone’s resources.
Like the performance issues above, malware or mining apps running in the background can burn extra computing power (and data). Aside from sapping performance, malware and mining apps can cause your phone to run hot or even overheat.
If you find apps you haven’t downloaded, or calls, texts, and emails that you didn’t send, that’s a red flag. A hacker may have hijacked your phone to send premium-rate calls or messages or to spread malware to your contacts. Similarly, if you see spikes in your data usage, that could be a sign of a hack as well.
Malware can also be behind spammy pop-ups, changes to your home screen, or bookmarks to suspicious websites. In fact, if you see any configuration changes you didn’t personally make, this is another big clue that your smartphone has been hacked.
While there are several ways a hacker can get into your phone and steal personal and critical information, here are a few tips to keep that from happening:
The post How To Tell If Your Smartphone Has Been Hacked appeared first on McAfee Blog.
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.
Depending on where your travels take you, you might need a new passport—a COVID-19 vaccine passport.
In an effort to kickstart travel and local economies, these so-called vaccine passports are more accurately a certificate. Such a “passport” can offer proof that the holder has been fully vaccinated against the virus, and there are several of these passports developing in the wings. With all of this in motion, I wanted to give families a look at what’s happening so that they can protect their privacy and identity online.
Broadly speaking, a vaccine passport works like this: information such as name, date of birth, date of vaccination, vaccination type, and vaccination lot number are used to create a digital certificate stored in a smartphone or a physical card. The holder can then offer up that proof of vaccination (or a recent negative test result) to businesses, travel authorities, and the like.
The notion of a vaccine passport has actually been around for a while now, such as the “Yellow Card” issued by the World Health Organization (WHO), which documents vaccination against diseases like cholera and yellow fever for travelers. Note that currently there’s no widely accepted standard for COVID-19 vaccine passports. What’s more, conversations continue around the concerns that come with documenting and sharing vaccine information securely. Understandably, it’s a complex topic.
As of this writing, the European Union has started issuing the “EU Digital Covid Certificate,” which allows its holders to travel throughout the EU freely without quarantine restrictions. The UK has its own version in the works, as do other nations in Asia, along with airline carriers too. In the U.S., “passports” appear to be in development on the state level, rather than on the federal level. For example, the state of New York has its Excelsior Pass program and California has its Digital COVID-19 Vaccine Record available to residents. Private airlines and air travel industry groups have launched their own efforts as well, such as the International Air Travel Association’s IATA Travel Pass.
How these passports are rolled out and how they get used will vary, yet vaccine passports may have an impact on the way people can travel as we recover globally from the pandemic. In some cases, they may even determine if people can attend large events that can help localities reboot their economies and public life in general (i.e., concerts, sporting events, and so on).
The development of vaccine passports and all the rules businesses and local authorities set around them may feel a bit out of our hands. However, in terms of your privacy and your family’s privacy, plenty is still very much in your hands. The common denominator across all these vaccine passports is the exchange of personal information—you and your family’s personal information. And where personal information is shared, hackers are sure to follow. This presents a perfect opportunity for you and your family to review your online privacy practices and close any gaps, whether you plan on traveling or not.
I put together a few things you can do to make sure that you and your family can navigate the future use of these passports with your privacy in mind:
What seems like an innocent celebration of your vaccination could put your personal information at risk. The information captured on these cards varies by nation, region, and locality, with some of the cards containing more information than others. However, even basic info such as birthday, vaccine manufacturer and lot number, location of immunization, or doctor’s name can provide the basis of a scam, such as a phishing email or phishing text message. Likewise, such information could get scooped up by a hacker and used to create phony vaccination credentials. Instead of posting that pic of you and your vaccine card, go with a happy selfie instead. And if you’ve already posted, go ahead and delete the image, better to remove it now and stay safe.
As mentioned above, the uncertainty around vaccine passports, and the general uncertainty around the latter days of the pandemic overall, creates opportunities for hackers and cybercrooks. Just as the early pandemic saw phony offers around miracle cures and today we’re seeing offers for phony vaccination cards, you can bet that scams revolving around vaccine passports will follow. The best advice here is to go to a trusted source for information, like the NHS in the UK or the American Medical Association in the U.S. Granted, cybercrooks will launch their phishing campaigns regardless. Here’s what to do if one heads your way:
In all, if someone is asking for any kind of personal or financial information via an email, text, instant message, or the like, chances are it’s a scam. For more, check out this article on how to spot the warning signs of a phishing attack.
In a time of data breaches large and small, checking your credit regularly is a wise move. Doing so will help you quickly spot issues and help you address them, as companies typically have a clear-cut process for dealing with fraud. You can get a free credit report in the U.S. via the Federal Trade Commission (FTC) and other nations like the UK have similar free offerings as well.
Do the same for your children. They’re targets too. High-value targets at that. Their credit reports are clean, which gives cybercrooks a blank slate to work with. Even more attractive is that child identity theft often goes long unnoticed until years later when the child gets older and rents an apartment or applies for their first credit card.
It’s that simple. Given that these vaccine passports will likely involve a digital certificate stored on a smartphone, app, or possibly other devices, protect them so you can protect yourself. Select comprehensive security software that will protect multiple devices so that everyone in your home is covered.
You can bet that rumors will abound as to who is issuing what “passport”, under what restrictions, and with what implications for traveling, dining out, and visiting shops. All of that amounts to plenty of falsehoods and scams that attempt to rob you of your privacy, identity, and even your money. Turn to trusted news sources known for their even-handed reporting, such as Reuters or the Associated Press, and get your information from there. Knowing what the facts about vaccine passports are in your locality will arm you against fear-based attacks.
A few months back, the FTC posted its own blog about sharing vaccine card photos. It’s a great read, in part because they used a helpful analogy to discuss privacy and identity theft:
Think of it this way — identity theft works like a puzzle, made up of pieces of personal information. You don’t want to give identity thieves the pieces they need to finish the picture.
Likewise, any vaccine passport you acquire will become yet another puzzle piece that you have to protect.
In all, with post-pandemic recovery measures evolving before our eyes, keep an eye on your family’s security. Don’t give away any snippets of info that could be used against you and stay on the lookout for the scams hitting the internet that play on people’s uncertainty and fears. COVID-19 passports may be entirely new, yet they give cybercrooks one more way they can play their old tricks.
The post COVID-19 Vaccine Passports: 5 Security Tips for You and Your Family appeared first on McAfee Blogs.
Kids are online now more than ever, not just during free time, but also during school time. It is impossible to always peek over their shoulder, and depending on their age, they may grow tired of a POS (aka parent over shoulder). The internet can be a dangerous place, but with the right education, kids can navigate hazards and remain safe and calm while online.
Check out this online safety guide on how to keep your children engaged while learning about cybersecurity and imparting lessons that stick. This guide will work for children ages 6 through 18 with variations.
The first tip to teaching kids about online safety is making sure that your lessons are relatable. For example, if the day’s lesson is about phishing, do not illustrate it with an example of a major corporation’s folly. Instead, liken it to stranger danger. Just like kids know not to talk to strangers on the sidewalk and to distrust strangers who say they have candy, tell them that the same rule applies to online strangers: Walk right by and do not accept anything you are offered. That means not clicking on any links the online stranger sends you, especially when they say you have won a prize. Thirty-four percent of Canadians have encountered a phishing attack since the beginning of the pandemic, according to Statistics Canada. This prevalence means that it is likely someone in your family will receive a phishing message. Warn children that phishing and other social engineering attempts are likely to play with their emotions to make them feel happy, excited, mad, or scared. Encourage your children to always stay calm online and let an adult know when they are approached by strangers.
Along the lines of keeping cybersecurity lessons relatable, make sure that children also know what is at stake if they are irresponsible online. In the case of clicking on suspicious links, tell children that this could make their device ill. When computers are infected with a virus, or are sick, they work slowly and could shut off when they are in the middle of a school assignment. Also, make note of the prevalence of viruses, and how children should stay on guard for them constantly. Over 800,000 Canadian devices had encounters with malware in the last 30 days, at the time this article was written.
In extreme cases, children can have their identities stolen due to irresponsible online behavior. A stolen identity could affect their credit card eligibility and set them off on the wrong foot in adulthood. Stress the severity of identity theft and the specific consequences. Teenagers who have their sights set on financial freedom, buying a car, or setting up their own bank account could be severely affected. The best way to keep your identity safe is by keeping your Social Insurance Number completely private, never sharing your banking information, and not oversharing online. Canada’s Centre for Digital and Media Literacy explains that preteens especially have a hard time judging the accuracy of online information and are vulnerable to filling out forms that ask for their personal information. When possible, try to keep all internet-connected devices in communal areas of your home so you can periodically check in on your kids.
When teaching children about online safety, make sure you don’t use fear tactics. Be firm about the potential consequences, but emphasize that kids have your support, the right online literacy skills, and the support of antivirus software and identity theft protection to catch any threats that fall through the cracks.
Passwords are a thing of the past. The hippest new way to protect your accounts is with complex, yet memorable, passphrases. The Government of Canada defines a passphrase as “a memorized phrase consisting of mixed words with or without spaces.” When kids are old enough to be responsible for their own accounts, such as a school login, email address, or social media profile, impart the lesson of passphrases. Thinking up passphrases can turn into a fun exercise.
When it is time to create a passphrase, have your kids brainstorm some of their favorite things that loosely relate to the account the passphrase is for. For example, a social media site’s passphrase could be about friends, like “A$hleyIsMy#1Fr13nd!” and a school login could be along the lines of “$0cial$tud!esR0ck$!” A loose association may make the passphrase easier to remember.
If they are gamers, kids may already be familiar with leet, or using symbols in place of letters. Encourage children to practice their leet fluency and substitute as many letters for symbols as they would like. The Government of Canada recommends that passphrases be at least 15 characters long.
As hard as it might be, never write down passphrases on paper, do not share your password with other people, and do not reuse passphrases. Instead, leverage a password manager, like McAfee True Key, to keep them safe for you. If your child is old enough, encourage them to set up their own account and protect it with two-factor authentication.
Encourage kids to ask questions! Part of your cybersecurity lessons should be to alert an adult when they are not sure if something is quite right. For example, they received an email from grandma, but there is a weird link hidden inside it. Children should know that they can come to you for questions and caution is better than rolling the dice. Questions can then lead to advanced lessons, like how to hover over links to see where they redirect and if the links look fishy.
The cybersecurity lessons you impart on children now will set a solid foundation for sound cyber literacy for a lifetime. No one is ever too old or too young to learn the basics and then put them into practice. Who knows? Maybe you will learn something along the way.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our newsletter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post How to Teach Kids About Online Safety: A Guide appeared first on McAfee Blogs.
World Password Day isn’t the most popular day on the calendar, but it’s an important reminder that good password hygiene is essential to staying safe online. This World Password Day, we’d like to talk about improving your password hygiene, how you can help your friends and family improve theirs, and what the future of authentication holds.
The SolarWinds hack in 2020 is one of the most devastating hacks in the history of the internet. Close to 20,000 company’s systems were compromised, losing billions of pieces of data in the process. If you’re one of the 37% of Americans that go long periods of time without updating passwords*, large-scale attacks like SolarWinds can be devastating. By stealing so many login credentials simultaneously, attackers can potentially access exponentially more accounts by reusing leaked credentials on different sites. Unfortunately this is not an isolated event, data breaches from websites and services we frequently use continue to happen through 2021 as well.
According to a recent survey we conducted, 34% of Americans have reused the same, or similar, password more than once. By using the same password for multiple accounts, attackers only need to find one password, creating a domino effect that makes it easier to access more accounts. If that password is weak, it becomes even easier to tip over that first domino.
Our guidance is to create strong, hard-to-guess passwords to protect your accounts. We recommend creating a unique password for every online account, using more than 16 characters, with upper and lower case letters, some numbers, and special symbols, to make a stronger than average password. How are you supposed to remember all of those strong passwords, though?
Well, password managers, especially those included in comprehensive security suites like McAfee® Total Protection, do much of the heavy lifting for you. For instance, McAfee’s integrated password manager not only helps you create stronger passwords and store them, but will also autofill your credentials and log you into websites as well. These convenient features extend beyond just your computer and can be used on other devices like your phone and tablet. Best of all, password managers that are an integrated part of a security suite can be monitored, so you’ll be alerted if your passwords get exposed in a data breach.
You’ve already taken a step towards improving your password hygiene by reading this blog post. But the next step is, have an honest look at your passwords. Do you write them down, use the same for many accounts, or use weak ones? Then it may be time for a change to better protect your accounts and the personal info in those accounts.
If you’re like a certain member of my family—that will remain nameless, Mom—who kept their passwords written down in a notepad, making the change to a password manager (McAfee’s, naturally) was a life-changing moment. Not only did it help her see just how often she was using the same login credentials, she now has an easy way to store, auto-fill, and even generate strong passwords across all her accounts and devices. An intended bonus was that she also realized how many accounts she was no longer using!
Now that you know more about what makes a strong password and how to protect them, let’s talk about why strong passwords are just the start of keeping your accounts safe. You’re probably already using Two-Factor Authentication for apps and services, but you may not have heard the term before. Two-Factor Authentication, or 2FA, is the second layer of protection to authenticate or prove you are the owner of this account. If you’ve received a text message or an email to confirm a new account signup, that’s a type of 2FA.
Text messages and email aren’t the only types of 2FA. There are USB keys, apps, and even systems built-in to your phone, like facial recognition to open phone apps, for example. Some popular 2FA options are USB keys and Google Authenticator.
The great thing about 2FA is that it helps make your strong passwords even more effective by stopping an attacker from using stolen credentials. If you fell victim to a phishing attack that looked like your bank’s website, the attacker would have your email and password combination. Without 2FA, they could log into your account and pretend they’re you. With 2FA in place, it becomes much harder for an attacker to access your account because they’re missing that last important piece of information.
Humans are almost always the weakest link when it comes to securing information. But by committing ourselves to better password practices, with help from the latest technology, we can make sure passwords are a strong link in our security chain; one that will only get stronger in the future.
For instance, using a device like a key-fob, new passwordless systems can authenticate a user without entering their login details. Not only does this make logging into your accounts lightning fast, you also never have to remember a complicated password again.
Biometric locks, like FaceID, are another example of passwordless entry. Using your face, or a fingerprint to authenticate yourself makes it much harder for attackers to break into your accounts.
We hope this Password Day post has helped answer some questions about password hygiene and how to take better care of your online accounts. Online security changes from day to day, so staying aware of new technologies and building safe new habits is essential. Perhaps one day this day will no longer need to exist on our calendars, as we look to a future where we might not need passwords at all. While we collectively make strikes towards this future, let’s celebrate this day while it lasts.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post World Password Day: Make Passwords the Strongest Link in Your Online Security appeared first on McAfee Blogs.
Something you’ll want to know about all those movies, mp3s, eBooks, air miles, and hotel points you’ve accrued over the years: they’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 territory. The 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 bitcoin. Put 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.
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 terms, let’s look at some real-world examples of what could constitute a digital asset. That list includes, but is not limited to:
However, digital assets can readily expand to further include:
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.
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 cars. When 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.
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.
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 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.
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 address, specifically so that there are no complications later with the transfer or valuation of the awarded currency.
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.
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.
Learning environments are not what they used to be, and as educational institutions deploy new technology to facilitate a safe and effective remote learning environment, their cyber vulnerabilities also increase. Canadian schools especially have seen a rise in ransomware attacks with the transition to online learning, opening the door for hackers to exploit student data and sabotage academic research. To combat the rising cybersecurity concerns, educators need to implement new measures to uphold secure and efficient distance learning environments without allowing student data and privacy to hang in the balance.
Limiting disruptions remains a high priority for educators as they discover how to manage their remote classrooms. Although many teachers are familiar with supplemental technologies such as tablets and online programs, it’s another matter entirely to be completely dependent on them to support a fully virtual classroom. When investing in online learning tools, educational institutions should not allow their concern for efficiency to overshadow an equally important requirement: safety.
The education sector has seen its fair share of cybersecurity attacks since the widespread shift to remote classrooms. According to Microsoft, the global education industry has the most malware attacks, even more than prominent industries such as business, finance, and healthcare. K-12 schools especially have experienced an uptick in ransomware and Distributed Denial of Service (DDoS). Many Canadian schools are experiencing cyber security incidents, damaging the integrity of their student data and privacy. With hackers consistently seeking to take advantage of the vulnerabilities in new technology, this prompts further discussion into why education is such a highly targeted industry.
The rapid shift to remote learning is an obvious culprit for the increasing threat level, but higher education institutions were already vulnerable before the pandemic. Many students simply lack the proper security awareness when using their online devices. In Morphisec’s CyberSecurity Threat Index, more than 30% of higher education breaches were caused by students falling victim to email scams, misusing social media, or other careless online activities. Budgetary constraints are also to blame for increasing online attacks, as many schools lack adequate funding to support a robust cybersecurity infrastructure. Cybercriminals recognize the vast amount of student data that schools have on record, and this incentivizes them further to infiltrate their systems.
Many of the new remote learning technologies introduced during the pandemic have exposed the risks associated with a lack of stringent security measures. For example, until recently, Agora’s video conferencing software exhibited a vulnerability that would have allowed hackers to spy on video and audio calls. With a growing number of students accessing remote learning technologies through their schools’ networks, it’s especially critical for schools to re-evaluate their security protocols to safeguard their students.
Schools at all levels need to proactively secure their digital technologies and safeguard their students’ data integrity. With the right approach, students and educators can mitigate the risks of cyber threats. Here are four critical cybersecurity steps that schools should take immediately:
It only takes one person to allow a hacker to infiltrate a school system. Digital security training is a must to ensure that students and faculty can recognize and take the appropriate action for suspicious activities like phishing emails. For example, a common cyber threat is when hackers pose as school officials asking for important information such as tax information or identification information.
Since many of the learning technologies on the market are new to students and staff, it’s especially critical to understand the implications of a security breach and the necessary steps to mitigate risks.
2.User Access Control
The principle of “least privilege” can also help avoid a cyber attack. This principle only allows users access to data and systems on a need-to-know basis and can mitigate data breaches that occur via unauthorized or unnecessary access. Hackers often try to infiltrate lower-level devices and accounts as a way to gain access to higher-value accounts and systems. Schools can take action by optimizing a list of what users have access to, which functions they have access to, and why. Ensuring that users have access to only what they need will limit attacks to smaller areas of the system and help protect the security ecosystem as a whole.
An often overlooked but critical cybersecurity protocol is having a robust password management policy. These policies must also be in accordance with provincial and territorial legislation, which set guidelines and rules that govern how students and faculty use their devices and online learning technologies. Password management policies that encourage strong passwords and multi-factor authentication are essential to prevent password sharing and unrestricted access.
Third-party technology vendors have become an integral component of distance learning, but they are also a vulnerability. Educational institutions need to ensure that they are properly managing their technology vendors so their students’ safety is prioritized above all else. Undergoing a thorough vetting process to evaluate third-party technology, as well as vendors’ terms and conditions, will help identify any security gaps that can create greater issues down the road.
The ascendance of distance learning during the pandemic has given educators, students, and parents new insights into both the opportunities and challenges of not being in a physical classroom. One of the most critical is the importance of creating safe and secure virtual environments to ensure that students are safe. Despite the benefits that education technology provides, without proper training or technical safeguards in place, schools and students are left vulnerable to the dangers of external threats. By enhancing awareness of cyber threats and implementing a strong security strategy, educators and parents can start creating safer learning environments for students to thrive.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Prioritizing Security in a Remote Learning Environment appeared first on McAfee Blogs.
Distance and hybrid learning environments are now the norm, and it remains to be seen if or when this will change. To adapt, many schools have adopted new software to support remote classroom management.
One such platform is Netop Vision Pro, a student monitoring system that helps teachers facilitate remote learning. The software allows teachers to perform tasks remotely on students’ computers, such as locking their devices, blocking web access, remotely controlling their desktops, running applications, and sharing documents. However, the McAfee Advanced Threat Research (ATR) team recently discovered multiple vulnerabilities with Netop Vision Pro that could be exploited by a hacker to gain full control over students’ computers.
Let’s dive into these vulnerabilities and unpack how you can help protect your students in the virtual classroom.
Just like a school science project, our researchers created a simulation to test their hypothesis regarding the potential software bugs. The McAfee ATR team set up the Netop software to mimic a virtual classroom with four devices on a local network. Three devices were appointed as students, and one was designated as the teacher. During the setup, the team noticed that there were different permission levels between student profiles and teacher profiles. They decided to see what would happen if they targeted a student profile, since this would likely be the avenue a hacker would take since they could cause more damage. With their experiment set up, it was time for our researchers to get inside the mind of a cybercriminal.
While observing the virtual classroom, the ATR team discovered that all network traffic — including sensitive information like Windows credentials — was unencrypted with no option to turn encryption on during configuration. They also noticed that a student connecting to a classroom would unknowingly begin sending screenshots to the teacher.
Furthermore, the ATR team noticed that teachers would send students a network packet (a small segment of internet data) prompting them to connect to the classroom. With this information, the team was able to disguise themselves as a teacher by modifying their code. From there, they explored how a hacker could take advantage of the compromised connection.
The McAfee ATR team turned their attention to Netop Vision Pro’s chat function, which allows teachers to send messages or files to a student’s computer, as well as delete files. Any files sent by a teacher are stored in a “work directory,” which the student can open from an instant message (IM) window. Based on the team’s discovery that a hacker could disguise themselves as a teacher, it became clear that hackers could also use this functionality to overwrite existing files or entice an unsuspecting student to click on a malicious file.
Of course, remote learning software is necessary right now to ensure that our children stay on top of their studies. However, it’s important that we educate ourselves on these platforms to help protect our students’ privacy. While the Netop Vision Pro student screen shares may seem like a viable option for holding students accountable in the virtual classroom, it could allow a hacker to spy on the contents of the students’ devices. While the functionality allows teachers to monitor their students in real-time, it also puts their privacy at risk.
If a hacker is able to impersonate a teacher with modified code, they could also send malicious files that contain malware or other phishing links to a student’s computer. Netop Vision Pro student profiles also broadcast their presence on the network every few seconds, allowing an attacker to scale their attacks to an entire school system.
Finally, if a hacker is able to gain full control over all target systems using the vulnerable software, they can equally bridge the gap from a virtual attack to the physical environment. The hacker could enable webcams and microphones on the target system, allowing them to physically observe your child and their surrounding environment.
Our researchers reported all vulnerabilities discovered to Netop and heard back from the company shortly after. In the latest software release 9.7.2, Netop has addressed many of the issues the McAfee ATR team discovered. Students can no longer overwrite system files, which could be used take control of the student machine. Additionally, Windows credentials are now encrypted when being sent over the network. Netop also told McAfee that they have plans to implement full network encryption in a future update, which will prevent an attacker from easily monitoring student’s screens and prevent them from being able to emulate a teacher.
While Netop works to remedy these issues internally, there are some critical steps parents can take to help protect and empower your children in the virtual classroom. Check out the following tips to bring you and your family peace of mind while using third-party education platforms:
If your student is required to use Netop Vision Pro or other third-party software while distance learning, have them use this technology on a device strictly used for educational purposes. If the software contains any bugs, this prevents other important accounts used for online banking, emails, remote work, etc. from becoming vulnerable to the software risks.
It’s important to keep in mind that Netop Vision Pro was never intended to be internet-facing or taken off a school network. Let’s look at this scenario through the eyes of a hacker: they will likely try to take advantage of these vulnerabilities by delivering a malicious payload (parts of cyberattacks that can cause harm) or phishing attempts. To protect your students from these threats, utilize a comprehensive security solution like McAfee® Total Protection, which helps defend your entire family from the latest threats and malware while providing safe web browsing.
Educators want to keep their students’ best interest and safety in mind, so talk to your child’s teacher or principal if you ever have concerns regarding the software they are using for distance learning. If your student is required to use Netop, ensure that the teacher or principal is aware of the vulnerabilities listed above so they can be sure to administer the necessary software updates to keep your child and their classmates safe.
A simple yet affective way to prevent hackers from spying on you and your family is to use a webcam cover for when class is not in session. Instruct your student to place a cover over their camera when they are not using it to bring you and your student greater peace of mind.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Keep Remote Classes Safe and in Session: What You Need to Know About Netop Vision Pro appeared first on McAfee Blogs.
It’s tax time in the United States, and even if you’re pretty sure you did everything right, you’re worried. Did I file correctly? Did I claim the right deductions? Will I get audited? Unfortunately, tax season brings out scammers eager to take advantage of your anxiety.
First, know that you’re probably doing a good job with your taxes. Less than 2% of returns get audited and most discrepancies or adjustments can get handled easily if you address them promptly.
Still, wariness of the IRS and intricate tax laws makes for ripe pickings when it comes to hackers, who prey on people’s fear of audits and penalties. Common scams include fake emails, phone calls from crooks posing as IRS agents, and even robocalls that threaten jail time. With the information they get from you, hackers can take things a step further by stealing your identity and filing tax claims in your name.
As if we didn’t have enough to worry about at tax time.
The good news is that you have plenty of ways to protect yourself from hackers. Check out these tips to stay safe this tax season.
Straight from the authority itself, the IRS has published its top 12 tax season scams with new warnings brought on by the events of 2020.
For example, new to this year are scams associated with stimulus checks sent out by the government. The IRS says they have seen “… a tremendous increase in phishing schemes utilizing emails, letters, texts and links. These phishing schemes are using keywords such as “coronavirus,” “COVID-19” and “Stimulus” in various ways.”
This is very important: The IRS does not use email. If you get an email from someone saying they are the IRS and they want to talk with you about a problem, it is a scam.
Here’s what the IRS has to say:
The IRS will never initiate contact with taxpayers via email about a tax bill, refund, or Economic Impact Payments. Don’t click on links claiming to be from the IRS. Be wary of emails and websites − they may be nothing more than scams to steal personal information.
Social media attacks also made the IRS Dirty Dozen. In a social media attack, scammers harvest information from social media profiles. Hackers use the information to gain access to your online accounts in social media and beyond, like your bank account. Make it hard for them. Make your social media profiles private so that only friends and family can see them. Also consider so you can be safer from these kinds of crimes.
When a hacker poses as an IRS agent, they try to get personal information from you, like your social security number. They might demand payment, sometimes under the threat of penalties or even jail time. These strong-arm tactics are a dead giveaway that the email or phone call is fake.
What will the IRS do? Usually, the IRS will first mail a bill to any taxpayer who owes taxes. IRS collection employees might call on the phone or make an unannounced visit to your home or business. If they require a payment, the payment will always be to the U.S. Treasury. Read about other ways to know what the IRS won’t do when they contact you.
And remember: the IRS does not use email to contact you about tax problems.
A good defense is a good offense. File early. Protect yourself by filing your claim before they have a chance to file one as you. You don’t want to be one of those identity theft victims who finds out you’ve been scammed when you file your taxes only to get a notice in the mail saying your tax claim has already been filed.
Here’s other tool that can help you fight identity theft. And get this: it’s not only helpful, it’s free. Through the Federal Trade Commission, you are entitled to a free copy of your credit report from each of the three major credit reporting companies once every 12 months. In this report, you can find inaccuracies in your credit or evidence of all-out identity theft.
Keep in mind that you get one report from each of the reporting companies each year. That works out to three reports total in one year. Consider this: if you request one report from one credit reporting company every four months, you can spread you free credit report coverage across the whole year.
The idea is that, just like with your physical wellness, there are lots of steps you can take to protect your digital wellness. We’ve covered some of those steps in this blog. Consider one more: protect your digital life with a holistic security solution like McAfee Total Protection so you can enjoy life online knowing your precious data is protected. Tax time or otherwise, security software is always a smart move.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Who loves tax season besides accountants? Hackers appeared first on McAfee Blogs.
Die Cloud ist und bleibt ein Treiber für die digitale Transformation. Nachdem der Fokus primär auf die Erkennung von Shadow-IT
und die Absicherung von SaaS-Diensten lag, wandert nun der Blick auf längerfristige Projekte: Die Migration von ganzen Diensten
und Anwendungen in Richtung Cloud. In diesem Podcast sprechen wir daher über die Themen Infrastruktur und Container in der
Cloud, wie diese sich in die bestehende Architektur einbinden und welche weiteren wichtigen Sichtweisen für eine umfassendes
Sicherheitskonzept hilfreich sind.
The post ST25: Absicherung von Cloud-nativen Anwendungen appeared first on McAfee Blogs.
Video conferencing has really taken off this year. With more people working and learning from home than ever before, video calling has rapidly become the mainstream method for remote communication, allowing users to stay connected. But very few may realize that they might be giving away their passwords on video calls through their body language. According to Tom’s Guide, call participants can guess a user’s passwords through the arm and shoulder movements they make while they type.
Let’s unpack how this threat works so you can continue to connect via video calls worry-free.
Keyboard snooping, or a keyboard interference threat, occurs when an attacker is present on a video call and observes the target’s body and physiological features to infer what they are typing. To pull off this attack, the hacker would need to record the meeting or video stream and feed it through a computer program. This program eliminates the visual background and measures the user’s arm and shoulder movements relative to their face. From there, the program analyzes the user’s actions to guess which keys they are hitting on the keyboard – including passwords and other sensitive information.
So, how accurate is this program, anyway? While this shows that the program was only correct 20% of the time when subjects were on their own devices in an uncontrolled environment, the program’s accuracy increased to 75% if their password was one of the one million most commonly used passwords. And suppose the program already knew their email address or name. In that case, it could decipher when the target was typing this information during the video call (and when their password would immediately follow) 90% of the time. The less complex the target makes their password, the easier it is for the program to guess what they’re typing.
Keystroke inference attacks can have potentially dangerous effects, since the text typed can often contain sensitive or private information even beyond passwords, like credit card numbers, authentication codes, and physical addresses. It’s also important to note that any video conferencing tool or videos obtained from public video sharing/streaming platforms are susceptible to this attack.
Therefore, to prevent your meeting attendees from snooping on what you’re typing, follow these tips for greater peace-of-mind:
Avoid giving keyboard snoopers the upper hand by making your password or passphrase as unique as the information it’s protecting. If a hacker does manage to guess your password for one of your online accounts, they will likely check for repeat credentials across multiple sites. By using different passwords or passphrases for your online accounts, you can remain calm and collected knowing that the majority of your data is secure if one of your accounts becomes vulnerable.
Two or multi-factor authentication provides an extra layer of security, as it requires multiple forms of verification like texting or emailing a secure code to verify your identity. Most popular online sites like Gmail, Dropbox, LinkedIn, Facebook, etc. offer multi-factor authentication, and it takes just a few minutes to set it up. This reduces the risk of successful impersonation by criminals who may have uncovered your information by keyboard snooping.
Take your security to the next level with a password manager, like the one included in McAfee Total Protection. A password manager can help you create strong passwords, remove the hassle of remembering numerous passwords, and log you on to websites automatically.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post How to Prevent Keyboard Snooping Attacks on Video Calls appeared first on McAfee Blogs.
Malicious actors are increasingly taking advantage of the burgeoning at-home workforce and expanding use of cloud services to deliver malware and gain access to sensitive data. According to an Analysis Report (AR20-268A) from the Cybersecurity and Infrastructure Security Agency (CISA), this new normal work environment has put federal agencies at risk of falling victim to cyber-attacks that exploit their use of Microsoft Office 365 (O365) and misuse their VPN remote access services.
McAfee’s global network of over a billion threat sensors affords its threat researchers the unique advantage of being able to thoroughly analyze dozens of cyber-attacks of this kind. Based on this analysis, McAfee supports CISA’s recommendations to help prevent adversaries from successfully establishing persistence in agencies’ networks, executing malware, and exfiltrating data. However, McAfee also asserts that the nature of this environment demands that additional countermeasures be implemented to quickly detect, block and respond to exploits originating from authorized cloud services.
Read on to learn from McAfee’s analysis of these attacks and understand how federal agencies can use cloud access security broker (CASB) and endpoint threat detection and response (EDR) solutions to detect and mitigate such attacks before they have a chance to inflict serious damage upon their organizations.
McAfee’s analysis supports CISA’s findings that adversaries frequently attempt to gain access to organizations’ networks by obtaining valid access credentials for multiple users’ O365 accounts and domain administrator accounts, often via vulnerabilities in unpatched VPN servers. The threat actor will then use the credentials to log into a user’s O365 account from an anomalous IP address, browse pages on SharePoint sites, and then attempt to download content. Next, the cyberthreat actor would connect multiple times from a different IP address to the agency’s Virtual Private Network (VPN) server, and eventually connect successfully.
Once inside the network, the attacker could:
McAfee’s comprehensive analysis of these attacks supports CISA’s proposed best practices to prevent or mitigate such cyber-attacks. These recommendations include:
While these recommendations provide a solid foundation for a strong cybersecurity program, these controls by themselves may not go far enough to prevent more sophisticated adversaries from exploiting and weaponizing cloud services to gain a foothold within an enterprise.
Organizations will gain a running start to identifying and thwarting the attacks in question by implementing a full-featured CASB such as McAfee MVISION Cloud, and an advanced EDR solution, such as McAfee MVISION Endpoint Threat Detection and Response.
Deploying MVISION Cloud for Office 365 enables agencies’ SOC analysts to assert greater control over their data and user activity in Office 365—control that can hasten identification of compromised accounts and resolution of threats. MVISION Cloud takes note of all user and administrative activity occurring within cloud services and compares it to a threshold based either on the user’s specific behavior or the norm for the entire organization. If an activity exceeds the threshold, it generates an anomaly notification. For instance, using geo-location analytics to visualize global access patterns, MVISION Cloud can immediately alert agency analysts to anomalies such as instances of Office 365 access originating from IP addresses located in atypical geographic areas.
When specific anomalies appear concurrently—e.g., a Brute Force anomaly and an unusual Data Access event—MVISION Cloud automatically generates a Threat. In the attacks McAfee analyzed, Threats would have been generated early on since the CASB’s user behavior analytics would have identified the cyber actor’s various activities as suspicious. Using MVISION Cloud’s activity monitoring dashboard and built-in audit trail of all user and administrator activities, SOC analysts can detect and analyze anomalous behaviors across multiple dimensions to more rapidly understand what exactly is occurring when and to what systems—and whether an incident concerns a compromised account, insider threat, privileged user threat, and/or malware—to shrink the gap to remediation.
In addition, with MVISION Cloud, an agency security analyst can clearly see how each cloud security incident maps to MITRE ATT&CK tactics and techniques, which not only accelerates the entire forensics process but also allows security managers to defend against similar attacks with greater precision in the future.
Furthermore, using MVISION Cloud for Office 365, agencies can create and enforce policies that prevent the uploading of sensitive data to Office 365 or downloading of sensitive data to unmanaged devices. With such policies in place, an attacker’s attempt to exfiltrate sensitive data will be mitigated.
In addition to deploying a CASB, implementing an EDR solution like McAfee MVISION EDR to monitor endpoints centrally and continuously—including remote devices—helps organizations defend themselves from such attacks. With MVISION EDR, agency SOC analysts have at their fingertips advanced analytics and visualizations that broaden detection of unusual behavior and anomalies on the endpoint. They are also able to grasp the implications of alerts more quickly since the information is presented in a format that reduces noise and simplifies investigation—so much so that even novice analysts can analyze at a higher level. AI-guided investigations within the solution can also provide further insights into attacks.
With a threat landscape that is constantly evolving and attack surfaces that continue to expand with increased use of the cloud, it is now more important than ever to embrace CASB and EDR solutions. They have become critical tools to actively defend today’s government agencies and other large enterprises.
Learn more about the cloud-native, unified McAfee MVISION product family. Get your questions answered by tweeting @McAfee
The post How CASB and EDR Protect Federal Agencies in the Age of Work from Home appeared first on McAfee Blogs.
Vor dem Hintergrund des IT-Fachkräftemangels gestaltet es sich für Unternehmen immer schwieriger, mit der wachsenden Zahl sowie Raffinesse von Cyber-Angriffen Schritt zu halten und drängt Sicherheitsteams dazu, oft nur noch reaktiv agieren zu können. Wie Sie mithilfe einer umfassenden Bedrohungsdatenbank sowie proaktiver Reaktionsmaßnahmen Ihre Endgerätesicherheit verbessern und Reaktionszeiten von Monaten auf Stunden verkürzen können, diskutieren wir in diesem Podcast. Hierfür zusammengekommen sind Heiko Brückle, McAfee Senior Security Engineer, sowie Chris Trynoga, McAfee Regional Solution Architect.
The post ST24: Proaktive Absicherung zur Minimierung von Endgeräterisiken (German) appeared first on McAfee Blogs.
Für viele ist das Arbeiten im Home Office zur Normalität geworden. Microsoft Teams stellt dabei den Ankerpunkt der effektiven Zusammenarbeit und dem Austausch von Inhalten in Microsoft 365 dar. Welche Auswirkung das jedoch auf die Sicherheit hat, diskutieren wir in diesem Podcast. Hierfür zusammengekommen sind Alexander Haug, unser Security Engineer mit Fokus auf Data Protection, sowie Chris Trynoga, unser Solution Architect und Experte für ganzheitliche Sicherheitsansätze.
The post ST23: Moderner Datenschutz für Microsoft Teams (German) appeared first on McAfee Blogs.
Technology has come in handy for most of us during these days of pandemic distancing. But for the -at-risk, homebound senior population, technology has been a lifeline connecting them to family members, online services, and healthcare. Still, this unprecedented shift to virtual life has also come with potential risks that seniors and their families should keep in mind.
According to a Pew study, 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 when it came to learning how to use technology.
If you are a senior or someone helping a senior become more tech-savvy, online safety should be a priority. Here are just some of the risks seniors may encounter and some helpful ways to stay safe.
Secure home routers and devices. Be sure to change your router’s default username and password to something strong and unique. Also, change the default passwords of any connected device before connecting to your home network. IoT (Internet of Things) devices are all the technologies under your roof that can connect such as security systems, healthcare monitors, hearing aids, and smart TVs. These technologies are embedded with sensors or software that can connect and exchange data with other household devices — and each must be secured to close privacy gaps. There are also routers with embedded security, to help secure the home from threats, no matter what devices is connected to the home network.
Use strong passwords. Strong passwords are essential for in-home devices, personal devices, social media sites, and any healthcare or banking portal. Creating a strong password is also a front-line defense against identity theft and fraud. For seniors, keeping passwords in one place is important, but can be hard to remember them all. comprehensive security software includes password management functionality, which makes it easer, to create and safely archive your passwords. -.
Avoid scams. There are a number of scams that target seniors. Phishing scams are emails that look legitimate that end up taking millions from seniors every year. For this reason, never click on suspicious links from government agencies, banks, hospitals, brokerages, charities, or bill collectors unless you are certain they are legitimate. Scammers use these malicious links to con people out of giving away cash or personal data that can be used to create a number of fraudulent accounts. Consider protecting all personal devices with a comprehensive security solution.
Use a personal VPN. A Virtual Private Network (VPN) encrypts (or scrambles) your data when you connect to the Internet and enables you to browse or bank with your credentials and history protected. To learn about VPNs, watch this video.
Beware of dating scams. People aren’t always who they appear to be online. And while dating scams can happen to any age group, they can be especially harmful to a vulnerable senior who may be lonely and living on a limited income. Love scam red flags: Beware of people who claim to be from the U.S. but often travel or work overseas. Also, avoid people who profess their love too quickly, share personal struggles too soon, and never meet face-to-face.
Take a closer look. Fraudulent websites look very real these days. 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.
Never share personal data. Be wary of emails or websites that require you to give personal information, such as your social security number, phone number, account, or family information. This includes those fun social media quizzes, which are also ways that cybercriminals can find out your personal details, such as a pets name, year you were born, your home town. All those pieces of personal data can be used to commit identity theft.
Monitor financial accounts. Nowadays, it’s essential to review all financial statements for fraudulent activity. If suspicious activity is found, report it to your bank or credit card account immediately. It’s also a good idea to put a credit alert on your accounts to detect potential fraud.
This unique time has issued unique challenges to every age group. However, if you know a senior, keep their potential technology needs in mind. Check in from time to time and offer your help. If you are a tech-savvy senior (and I know many), consider reaching out to peers who may be struggling and afraid to ask. In addition, YouTube has a number of easy-to-understand videos on any tech question. In addition, both Apple and Microsoft stores offer free advice on their products and may also help. Just be sure to visit their official websites to reach legitimate tech support channels.
The post 8 Ways to Help Senior Adults Stay Safe Online These Days appeared first on McAfee Blogs.
McAfee’s Global Business Development Manager, Greg Vinson and CEO of Attivo Networks, Tushar Kothari discuss the solutions to Threat Deception.
The post ST22: Attivo Networks with Greg Vinson & Tushar Kothari appeared first on McAfee Blogs.
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