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The moment you hop online, you lose a little privacy. How much depends on what you’re doing and what steps you’ve put in place to protect your privacy. The reality is that any online activity will generate data. As you surf, bank, and shop, data gets created. From there, other parties collect, analyze, and sometimes sell or share that data with others.
The most notable example of this is, of course, social media. Social media companies gather hosts of data and personal information about their users in exchange for free use of their platforms. Yet similar data collection happens far more broadly online. Internet service providers (ISPs) will often gather browsing data and information about their users. Some search engines will also gather information about their users, their searches, and where those searches take them. Another high-value form of data collection entails location tracking. App creators, ISPs, cell phone companies, and others will pair what you’re doing online with where and when you’re doing it.
Make no mistake that all this data has value. Whether it gets collected for advertising purposes, or to generate profit by selling data to others, your privacy has a price tag on it. Yet you have some say in all this. You can take several steps that can minimize the data trail that you create by going online. Put simply, you can take control of your privacy online.
→ Dig Deeper: How Data Brokers Sell Your Identity
Although data creation and collection naturally come with using the Internet, you can take several steps to make you and your data more private. Some of it comes down to behavior, while other steps involve settings and technologies that help cover your tracks. Here are 10 ways you can stay more private online:
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting—not to mention your relationships and likes. Put another way, keeping your profile public makes it searchable by search engines. Your profile is out there for anyone to see.
Taking a “friends only” approach to your social media profiles can help protect your privacy because that gives a possible scammer or stalker significantly less material to work with. Yet further, some platforms allow you to create sub-groups of friends and followers. With a quick review of your network, you can create a subgroup of your most trusted friends and restrict your posts to them as needed.
→ Dig Deeper: Over 10 Million Facebook Users Hacked in Ongoing Phishing Scam
Different devices and platforms will have their own privacy settings, so give them a look and see what your options are. For example, Facebook offers an entire page dedicated to privacy settings and offers a Privacy Checkup as well.
As for devices, Windows and Mac OS have extensive privacy controls available. Android provides visual guides on the topic, and Apple has a similar resource for iOS users as well. A quick search about privacy on any device, platform, or app should turn up some helpful results that can get you started if you have questions.
→ Dig Deeper: Privacy, Identity, and Device Protection: Why You Need to Invest in All Three
Privacy policies spell out what data a company might be collecting, for what purposes, what they do with it, and if they might share or otherwise sell it to third parties. The language in privacy policies can get somewhat long and complex. However, several companies have been making good faith efforts to explain their privacy policies in plain language on user-friendly websites.
Google provides a good example of this, which includes a link to their Privacy Checkup experience. Additionally, Apple offers users on iOS 15.2 or higher an app privacy report that shows what iPhone features and data apps have recently accessed. Once again, a web search will help point you to similar resources for the devices, platforms, and apps you use.
→ Dig Deeper: What Personal Data Do Companies Track?
Location tracking has become a prominent form of data collection. Smartphone applications are usually the prime culprits. Thankfully, you can easily disable the location-sharing feature on an app-by-app basis. Some apps allow you to enable location services only when in use, while for others, you can entirely disable location services. An alternative option is to set the app to ask for permission each time. This is an effective way to find out if any apps are using location services without your knowledge. For iPhone users, this can be found in Settings > Privacy & Security > Location Services. Android users can go to Settings > Locations > App Location Permissions.
Deactivating location sharing in your apps doesn’t necessarily mean you’ll stop seeing location-based ads. Advertisers often guess your general location by looking at your internet connection. They might not know your exact address, but they can get a pretty good idea of which city or town you’re in.
If you’ve been using the internet for a while, you likely have several old accounts that you no longer use or have forgotten about. Old accounts may still contain your personal data, exposing it to potential hackers or cyber thieves. It’s advisable to close any old accounts that you no longer need. Before doing this, ensure that you delete as much personal data from them as possible.
Deleting an account is often more complicated than simply not using it anymore. In many cases, you’ll have to contact the company or service provider to close your account. If you can’t find information on how to delete your account, a quick web search can often lead you to step-by-step instructions.
McAfee Pro Tip: Your online presence expands as you create more internet accounts, and these accounts may potentially be leveraged by data brokers or third parties to gain access to your personal data. Improve your data security by erasing unused or old accounts to eliminate public-facing information. Know how to delete old accounts containing personal information.
Virtual Private Networks (VPN) can significantly enhance your online privacy. A VPN encrypts your internet connection, making it harder for third parties to track your online activities or capture your personal information. While connected to a VPN, your ISP can only see that you’re connected to a VPN server, but not what websites you visit or what data you’re transferring.
Besides protecting your data, VPNs can also prevent websites and online services from tracking your physical location. This can be particularly useful if you’re accessing the internet in a region with stringent internet censorship or if you want to access region-locked content.
Many people are surprised when they Google themselves and see how much information about them is publicly available. Data brokers collect information from various sources and make it available to anyone willing to pay for it. This can include personal information, such as your home address, estimated income, shopping habits, and more.
Fortunately, you can take steps to clean up your personal data trail. Start by Googling yourself to find out what information about you is publicly available. Next, contact the websites or data brokers that publish this information and request them to remove it. Several online services can help you with this process by automating it and making it more efficient.
→ Dig Deeper: How Data Brokers Sell Your Identity
Online privacy is a serious concern in today’s digital age. While it’s impossible to completely avoid data collection, there are numerous steps you can take to protect your personal data and make your online activities more private. These include being strategic with your social media settings, regularly reviewing your privacy settings, understanding the privacy policies of the apps you use, disabling location sharing, deactivating old accounts, using a VPN, and cleaning up your personal data trail. For added protection, use a comprehensive security solution such as McAfee+ Ultimate, which comes with features like password manager, antivirus software, and firewall protection; users can efficiently navigate the internet while avoiding online threats.
Whether we admit it or not, a significant portion of our privacy is within our control. By becoming more aware of what data we share and who we share it with, we can make decisions that protect our privacy. In an era where data is the new oil, taking steps to safeguard our digital privacy is more important than ever.
The post 10 Tips to Keep Your Data Private Online appeared first on McAfee Blog.
It all feels so harmless. Who isn’t even alittle curious which celebrity is their look-a-like or what ’80s song best matches their personality? While some of these fun little quizzes and facial recognition-type games that pop up on social media are advertiser-generated and harmless, others have been carefully designed to steal your data.
According to the Better Business Bureau (BBB) consumers need to beware with the IQ tests, quizzes that require you to trade information. Depending on the goal of the scam, one click could result in a new slew of email or text spam, malicious data mining, or even a monthly charge on your phone bill.
Besides the spammy quizzes, scammers also use click bait, that are headlines designed to get your click and your data. Such headlines often promise juicy info on celebrities and may even legitimate human interest stories that claim, “and you won’t believe what happened next.” While some of those headlines are authored by reputable companies simply trying to sell products and compete for clicks, others are data traps that chip away at your privacy.
The best defense against click bait is knowledge. Similar to the plague of fake news circulating online, click bait is getting more sophisticated and deceptive in appearance, which means that users must be even more sophisticated in understanding how to sidestep these digital traps.
Our digital landscape is peppered with fake news and click bait, which makes it difficult to build trust with individuals and brands who have legitimate messages and products to share. As you become savvy to the kinds of data scams, your discernment and ability to hold onto your clicks will become second nature. Continue to have fun, learn, connect, but guard your heart with every click. Be sure to keep yor devices protected while you do!
The post Are You Getting Caught by Click Bait? appeared first on McAfee Blog.
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.
For many Aussies, identity theft was always something that happened to other people. People on TV, usually. But the recent spate of data breaches at Optus, Medibank and Energy Australia has made many of us pay far more attention than ever to one of the fastest growing crimes in our country.
According to the Department of Home Affairs, 1 in 4 Aussies will be the victim of identity theft over the course of their lives with an annual economic impact of more than $2 billion. And with the financial fallout from the recent data breaches only just starting to be counted, these statistics will no doubt increase dramatically next year.
Identity theft is when a cybercriminal gains access to your personal information to steal money or gain other benefits. Armed with your personal info, they can apply for real identity documents in your name but with another person’s photograph. This enables them to then apply for loans or benefits in your name, sign up for memberships or even apply for credit cards.
And it goes without saying that the financial and emotional fallout from identity theft can be huge. Since the Optus and Medibank hacking stories broke just a few months ago, there has been multiple stories of Aussie families who have had their identities stolen and who are in a world of pain. This Melbourne family who have had over $40,000 stolen from ATM withdrawals alone is just one example.
Your personal information is any piece of information or data that can confirm who you are or how to find you. It may be a single piece of information, or several pieces used together. It’s often referred to as personally identifiable information (PII). So, it includes your name, parents’ name, address, date of birth, phone numbers, email address, usernames/passwords or passphrases, bank account details, school or university attended, location check-ins even RSVPS for events.
Every time you register with a new shopping site or social media platform, you will be asked to share some personally identifiable information. However, what you share may be stolen or even misused – just think about the recent list of Australian companies who had their customers’ private information stolen by hackers. So that’s why you need to ensure you are only sharing your information with trusted online sites and take every possible step to protect your personal information online.
While there are no guarantees in life, there are steps you can take to ensure your online identity is as safe as possible. Here are my top 5 tips:
Multi-Factor Authentication (MFA) or 2 Factor Authentication (2FA) is a no-brainer because it makes a hacker’s life a lot harder. In short, it requires the user to provide two or more verification factors to gain access to an account or app. This might be a text, email or even a code generated by an authentication app. So, even if a hacker has your password and username, they still need that final piece of information before they can get their hands on your account!
Now this may take a bit of work to set up but using a unique and complex password on every account is one of the best things you can do to protect your online identity. And here’s the rationale – if you use the same password on all your accounts and your login details are stolen then hackers have access to all the accounts that are accessed with that password. Yikes!!! So, a unique password for each account is a great measure. I love using a password manager to make this process a little easier. Not only do they generate complex passwords, but they remember them too! All you need to do is remember your Master Password which needs to be extremely complex!!!
Updates are most commonly about addressing security weaknesses. And yes, I know they can be a pain but if you ignore them, you are essentially making it easier for hackers to find their way into your life via weak spots. And don’t forget to ensure your security software remains updated too!
I always recommend keeping a backup of all your important info in case something goes wrong. This should include all your photos, key documents and all your personally identifiable information. A hard drive works well but saving to the cloud is also a good option. I once dropped a hard drive and lost treasured family photos, so the cloud is my personal preference.
We all know knowledge is power so investing in top notch security and identity monitoring software will help keep you ahead of threats. McAfee+, McAfee’s new all in one privacy, identity and device protection solution is a fantastic way for Aussies to protect themselves online. It features identity monitoring and a password manager but also an unlimited VPN, a file shredder, protection score and parental controls. And the Rolls Royce version called McAfee+ Advanced, also offers subscribers additional identity protections including access to licensed restoration experts who can help you repair your identity and credit, in case you’re affected by a data breach. It also gives subscribers access to lost wallet protection which help you cancel and replace your ID, credit cards if they are lost or stolen.
Public, unsecured Wi-Fi can make life so much easier when you’re out and about but it’s also a tried and tested way for scammers to access your personal information. Unsecured Wi-Fi is free Wi-Fi that is available in public places such as libraries, cafes, or shopping centres. So, instead of using Wi-Fi, just use the data in your phone plan. Or alternatively invest in a Virtual Private Network (VPN) that cleverly encrypts everything you share on your device.
About 2 months ago, I embarked on a project to clean up my online life. I’m working through the list of sites I have accounts with and am closing those I no longer use, I’m also doing a huge password audit to ensure they are all unique to each site and are super complex, thanks to my password manager. Now, I’m not quite done yet, but things are in better shape than they were. Why not consider doing the same? With the holiday season fast approaching, why not dedicate a little of your poolside time to practicing a little cyber hygiene.
Till next time, keep those identities safe!
Alex
The post The Best Way To Protect Your Online Identity appeared first on McAfee Blog.
Safety has a feeling all its own, and that’s what’s at the heart of McAfee+.
We created McAfee+ so people can not only be safe but feel safe online, particularly in a time when there’s so much concern about identity theft and invasion of our online privacy.
And those concerns have merit. Last year, reported cases of identity theft and fraud in the U.S. shot up to 5.7 million, to the tune of $5.8 billion in losses, a 70% increase over the year prior. Meanwhile, online data brokers continue to buy and sell highly detailed personal profiles with the data cobbled together from websites, apps, smartphones, connected appliances, and more, all as part of a global data-gathering economy estimated at well over $200 billion a year.
Yet despite growing awareness of the ways personal information is collected, bought, sold, and even stolen, it remains a somewhat invisible problem. You simply don’t see it as it happens, let alone know who’s collecting what information about you and toward what ends—whether legal, illegal, or somewhere in between. A recent study we conducted showed that 74% of consumers are concerned about keeping their personal information private online. Yet, most of us have found out the hard way (when we search for our name on the internet) that there is a lot of information about us that has been made public. It is our belief that every individual should have the right to be private, yet we know too many individuals don’t know where to begin. It is this very worry that made us focus our new product line on empowering our users to take charge of their privacy and identity online.
McAfee+ gives you that control.
Now available in the U.S., McAfee+ provides all-in-one online protection for your identity, privacy, and security. With McAfee+, you’ll feel safer online because you’ll have the tools, guidance and support to take the steps to be safer online. Here’s how:
You can see the entire range of features that cover your identity, privacy, and security with a visit to our McAfee+ page.
McAfee+ Ultimate offers our most thorough protection, with which you can lock your credit with a click or put a comprehensive security freeze in place, both to thwart potential identity theft. You can keep tabs on your credit with daily credit monitoring and get an alert when there’s credit activity to spot any irregularities quickly.
You’ll also feel like someone has your back. Even with the most thorough measures in place, identity theft and ransomware attacks can still strike, which can throw your personal and financial life into a tailspin. What do you do? Where do you start? Here, we have you covered. We offer two kinds of coverage that can help you recover your time, money, and good name:
Starting today, customers in the U.S. can purchase McAfee+ online at McAfee.com in Premium, Advanced, and Ultimate plans, in addition to individual and family subscriptions. McAfee+ will also be available online in the U.K., Canada, and Australia in the coming weeks with additional regions coming in the months ahead (features may vary by region).
We are very excited about bringing these new protections to you and we hope you will be too.
The post The Feeling of Safety with McAfee+ appeared first on McAfee Blog.
It’s too bad cybercriminals don’t funnel their creativity into productive pursuits because they’re constantly coming up with nefarious new ways to eke out money and information from unsuspecting people. One of their newest schemes is called synthetic identity theft, a type of identity theft that can happen to anyone. Luckily, there are ways to lower the chance of it happening to you. And if it does happen to you, there are a few preventive measures you can take. Plus when you’re able to identify the early signs, you can minimize its damage to your finances and your credit.
Here’s everything you need to know about synthetic identity theft in order to keep your and your family’s information safe.
Synthetic identity theft occurs when a cybercriminal steals a real Social Security Number (SSN) but fabricates the rest of the details that are associated with that SSN, such as the full name and birthdate. With this valid SSN, they’re able to create an entirely new identity and use it to take out loans, apply for credit cards, or even purchase a house.
This form of identity theft is more difficult than traditional identity theft to detect. When a criminal steals someone’s entire identity – their name, birthdate, address, and SSN – there are more flags that could raise the alarm that something is amiss. Additionally, in some cases of synthetic identity theft, cybercriminals play the long game, meaning that they build up excellent credit with their new fake identity for months or even years. Then, once they’ve squeezed as much as they can from that great credit, they rack up huge charges against that credit and flee. It is only then when creditors demand payment that the rightful owner of the SSN finds out their identity was compromised.
Synthetic identity theft can severely damage the credit or finances of the person to whom the SSN truly belongs. It most often occurs to people who don’t closely monitor their credit, such as children, people in jail, or the elderly, but it can happen to anyone.
The signs of synthetic identity theft are a bit different than the signs of regular identity theft. In traditional identity theft, you may receive bills to your address either with someone else’s name on them or for organizations with which you don’t have an account. However, in the case of synthetic identity theft, since the thief makes up an entirely new name and address, you’re unlikely to accidentally get their mail.
The major red flag is if your credit score is drastically lower (or higher) than you remember it being. Did you know that you can request one free credit report per year from each major credit bureau? Get in the habit of ordering reports regularly to keep tabs on your credit and confirm that there are no new accounts that you didn’t create.
Check out these tips on how to protect your identity online to hopefully prevent it from ever happening to you:
McAfee Identity Protection is a comprehensive identity monitoring service that protects your identity and privacy from the fastest-growing financial crimes in America. McAfee can scan risky websites to see if your information was leaked in a recent breach. Additionally, with the new security freeze feature, you can deny access to your credit report, which stops fraudsters from opening new credit cards or bank or utility accounts in your name. Finally, if the worst does happen, McAfee Identity Protection offers up to $1 million in identity theft coverage and restoration.
If you don’t do so already, commit to a routine of monitoring your credit and financial accounts. It only takes a few minutes every month. To fill in the gaps, trust McAfee!
The post What Is Synthetic Identity Theft? 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.
Here’s one way you can help reduce your chances of identity theft: remove your personal information from the internet.
And chances are, you have more personal information posted online than you think.
According to the U.S. Federal Trade Commission (FTC), consumers registered 1.4 million identity theft complaints in 2021, all part of a year where consumers reported losing $5.8 billion to fraud overall—a 70% increase over the year prior.
What fuels all this theft and fraud? Access to personal information.
Scammers and thieves can get a hold of personal information in several ways, such as through phishing attacks that lure you into handing it over, malware that steals it from your devices, by purchasing your information on dark web marketplaces, or as a result of information leaked in data breaches, just to name a few.
However, scammers and thieves have other resources to help them commit theft and fraud—data broker sites, places where personal information is posted online for practically anyone to see. Which makes removing your info from them so important, from both an identity and privacy standpoint.
Think of data broker sites as huge repositories of personal information. Search your name and address online and you’ll see. You’ll likely find dozens of sites that turn up information about you, some of which offer a few pieces for free and others that offer far more information for a price.
Data brokers collect and then aggregate personal information from several sources, including:
Data brokers also buy personal information from other data brokers. As a result, some data brokers have thousands of pieces of data for billions of individuals worldwide.
What could that look like? A broker may know how much you paid for your home, your education level, where you’ve lived over the years and who your lived with, your driving record, and possibly your political leanings. A broker may also know your favorite flavor of ice cream and your preferred over-the-counter allergy medicine thanks to information from loyalty cards. Further, they may also have health-related information from fitness apps. The amount of personal information can run that broadly, and that deeply.
With information at this potential level of detail, it’s no wonder that data brokers rake in an estimated at $200 billion U.S. dollars worldwide every year.
On the legitimate side, it’s used by advertisers to create targeted ad campaigns. With information sold by data brokers, they can generate lists based on highly specific criteria, such as shopping histories, personal interests, and even political leanings as mentioned above. Likely without you being aware of it—and likely with no way to contest that information if it’s incorrect.
Other legitimate uses include using these sites for background checks. Law enforcement, reporters, and employers will use data brokers as a starting point for research because the leg work has largely been done for them. Namely, data brokers have aggregated a person’s information already, which is an otherwise time-consuming process.
If this seems a little shady, it’s still legal. As of now, the U.S. has no federal laws that regulate data brokers or require data them to remove personal information if requested. A few states, such as Nevada, Vermont, and California, have legislation in place aimed at protecting consumers. Meanwhile, the General Data Protection Regulation (GDPR) in the European Union has stricter rules about what information can be collected and what can be done with it. Still, the data broker economy thrives.
On the darker side, scammers and thieves use personal information for identity theft and fraud. With enough personal information gathered from enough sources, they can create a high-fidelity profile of their victims. One that gives them enough information to open new accounts in their name.
So, from the standpoint of both privacy and identity, cleaning up your personal information online makes a great deal of sense.
Let’s review some ways you can remove your personal information from data brokers and other sources on the internet.
The process starts with finding the sites that have your information. From there, you can request to have it removed. Yet as mentioned above, there are dozens and dozens of these sites. Knowing where to start is a challenge in of itself, as is manually making the requests once you have identified the sites that post and sell information about you.
Our Personal Data Cleanup can do the work for you. Personal Data Cleanup scans some of the riskiest data broker sites and shows you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites and can even manage the removal for you depending on your plan. It also monitors those sites, so if your info gets posted again, you can request its removal again.
As of September 2022, Google accounts for just over 92% of search engine market share worldwide. Aside from being a search engine, Google offers a myriad of other services and applications, such as Gmail and Google Maps. While Google offers plenty of tools for productivity, travel, work, and play for free, they still come at a cost—the gathering and analysis of your personal information.
You can limit the data Google associates with you by removing your name from Google search results with a removal request. This will disable anyone online from getting any results if they search your name. (Note that this will not remove your information from the original sites and sources where it’s posted.) Moreover, Google collects all your browsing data continuously. You have the option to turn on “Auto Delete” in your privacy settings to ensure that the data is deleted regularly and help limit the amount of time your sensitive data stays vulnerable.
You can also occasionally delete your cookies or use your browser in incognito mode to prevent websites from being tracked back to you. Go to your Google Chrome settings to clear your browser and cookie history.
As discussed above, data brokers can collect information from public social media profiles. You can minimize your presence on social media to the bare minimum. Make a list of the ones you use or have used in the past. If there are old accounts that you no longer use or websites that have gone by the wayside like Myspace or Tumblr, you may want to deactivate them or consider deleting them entirely.
For social media platforms that you still may use regularly, like Facebook and Instagram, consider adjusting your privacy settings to ensure that your personal information on these social media platforms is the bare minimum. For example, on Facebook you can lock your profile, while on Instagram you can stay private.
If you’ve ever published articles, written blogs, or created any content online, it might be a good time to consider taking it down if it is no longer serving a purpose. Depending on what you’ve posted, you may have shared personal details about your life. Additionally, you might be mentioned by other people in various social media posts, articles, or blogs. It is worth reaching out to these people to request them to take down posts with sensitive information.
Social media and online articles that host your personal information are often used when businesses or hackers are doing “internet scrapes” to find better ways to use your targeted information. Asking your friends or third-party sites to remove that information can help protect your privacy.
Another way you can tidy up your digital footprint online involves deleting all the unnecessary phone apps that you no longer need or use. Even when apps are not open or in use, they may be able to track personal information such as your real-time location and even your payment details if you have a paid subscription to the app.
Some apps even sell this data as it can be extremely advantageous to other companies, which they use to target certain consumer segments and profiles for advertising. Try to share as little information with apps as possible if you’re looking to minimize your online footprint, and provide them access to your photos, contacts, and location only on as-needed basis and only when the app is in use. Your phone’s app and location services settings will give you the tools to do it.
In addition to the steps above, comprehensive online protection software can keep you more private and minimize your risk of cybercrime. It can include:
So while it may seem like all this rampant collecting and selling of personal information is out of your hands, there’s plenty you can do to take control. With the steps outlined above and strong online protection software at your back, you can keep your personal information more private and secure.
The post 5 Steps to Removing Your Personal Information From the Internet appeared first on McAfee Blog.
Data brokers gather hundreds, sometimes thousands, of data points on individuals. The question is, how do they round it up? And why?
For starters, you leave a digital footprint every time you use the internet, which leaves traces of all your online activities. And that kind of exacting info about you has a dollar value. With that, enter the data brokers.
When you create new accounts or subscribe to different websites, you give them explicit (or implicit, through their family of apps or subsidiary websites) access to your personal and credit card information. In other cases, websites might track basic information without your knowledge, such as your location and search history.
There is an industry of data brokers specifically dedicated to keeping track of user data, packaging it, and supplying it to tech companies who use it to run targeted ads and enhance the on-platform user experience. Given the widespread use of the internet and exponential improvements in technology, data has become a valuable commodity — creating a need for the sale and purchase of user data.
Data brokers aggregate user info from various sources on the internet. They collect, collate, package, and sometimes even analyze this data to create a holistic and coherent version of you online. This data then gets put up for sale to nearly anyone who’ll buy it. That can include marketers, private investigators, tech companies, and sometimes law enforcement as well. They’ll also sell to spammers and scammers. (Those bad actors need to get your contact info from somewhere — data brokers are one way to get that and more.)
And that list of potential buyers goes on, which includes but isn’t limited to:
These companies and social media platforms use your data to better understand target demographics and the content with which they interact. While the practice isn’t unethical in and of itself (personalizing user experiences and creating more convenient UIs are usually cited as the primary reasons for it), it does make your data vulnerable to malicious attacks targeted toward big-tech servers.
Most of your online activities are related. Devices like your phone, laptop, tablets, and even fitness watches are linked to each other. Moreover, you might use one email ID for various accounts and subscriptions. This online interconnectedness makes it easier for data brokers to create a cohesive user profile.
Mobile phone apps are the most common way for data brokerage firms to collect your data. You might have countless apps for various purposes, such as financial transactions, health and fitness, or social media.
A number of these apps usually fall under the umbrella of the same or subsidiary family of apps, all of which work toward collecting and supplying data to big tech platforms. Programs like Google’s AdSense make it easier for developers to monetize their apps in exchange for the user information they collect.
Data brokers also collect data points like your home address, full name, phone number, and date of birth. They have automated scraping tools to quickly collect relevant information from public records (think sales of real estate, marriages, divorces, voter registration, and so on).
Lastly, data brokers can gather data from other third parties that track your cookies or even place trackers or cookies on your browsers. Cookies are small data files that track your online activities when visiting different websites. They track your IP address and browsing history, which third parties can exploit. Cookies are also the reason you see personalized ads and products.
Data brokers collate your private information into one package and sell it to “people search” websites. As mentioned above, practically anyone can access these websites and purchase extensive consumer data, for groups of people and individuals alike.
Next, marketing and sales firms are some of data brokers’ biggest clients. These companies purchase massive data sets from data brokers to research your data profile. They have advanced algorithms to segregate users into various consumer groups and target you specifically. Their predictive algorithms can suggest personalized ads and products to generate higher lead generation and conversation percentages for their clients.
We tend to accept the terms and conditions that various apps ask us to accept without thinking twice or reading the fine print. You probably cannot proceed without letting the app track certain data or giving your personal information. To a certain extent, we trade some of our privacy for convenience. This becomes public information, and apps and data brokers collect, track, and use our data however they please while still complying with the law.
There is no comprehensive privacy law in the U.S. on a federal level. This allows data brokers to collect personal information and condense it into marketing insights. While not all methods of gathering private data are legal, it is difficult to track the activities of data brokers online (especially on the dark web). As technology advances, there are also easier ways to harvest and exploit data.
As of March 2024, 15 states in the U.S. have data privacy laws in place. That includes California, Virginia, Connecticut, Colorado, Utah, Iowa, Indiana, Tennessee, Oregon, Montana, Texas, Delaware, Florida, New Jersey, and New Hampshire.[i] The laws vary by state, yet generally, they grant rights to individuals around the collection, use, and disclosure of their personal data by businesses.
However, these laws make exceptions for certain types of data and certain types of collectors. In short, these laws aren’t absolute.
Some data brokers let you remove your information from their websites. There are also extensive guides available online that list the method by which you can opt-out of some of the biggest data brokering firms. For example, a guide by Griffin Boyce, the systems administrator at Harvard University’s Berkman Klein Center for Internet and Society, provides detailed information on how to opt-out of a long list of data broker companies.
Yet the list of data brokers is long. Cleaning up your personal data online can quickly eat up your time, as it requires you to reach out to multiple data brokers and opt-out.
Rather than removing yourself one by one from the host of data broker sites out there, you have a solid option: our Personal Data Cleanup.
Personal Data Cleanup scans data broker sites and shows you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites. And if you want to save time on manually removing that info, you have options. Our McAfee+ Advanced and Ultimate plans come with full-service Personal Data Cleanup, which sends requests to remove your data automatically.
If the thought of your personal info getting bought and sold in such a public way bothers you, our Personal Data Cleanup can put you back in charge of it.
[i] https://pro.bloomberglaw.com/insights/privacy/state-privacy-legislation-tracker/
The post How Data Brokers Sell Your Identity appeared first on McAfee Blog.
Ever hear of a crime called skimming? It may not be as dramatic a crime as assault or Ponzi schemes, but it can cause significant problems to you as your savings account can be wiped out in a flash.
Picture a scrawny nerd tampering with an automated teller machine (ATM)—the machine you use with your debit card to get cash. The thief places a device over the slot through which you slide your debit card. You have no idea it’s there. You swipe your card, and the device “skims” or reads your card’s information. In the middle of the night, the thief creeps back, removes the skimming device, downloads your data, burns it to a blank ATM card, makes a fat withdrawal and goes home with the loot. Or they could download your information from the skimmer and then use your information to make online purchases or access your account. Either way, they could clean you out before you wake up next morning!
Now, to be successful, the criminal not only needs a skimming device, they also need to attach a tiny wireless camera to capture your PIN. These cameras are usually concealed in the lighting fixture above the keypad, in a brochure near the machine, or attached directly to the ATM.
To protect yourself from being skimmed, and generally staying safe when using your debit or credit cards, follow these tips:
Stay safe from skimming!
The post What is ATM Skimming? appeared first on McAfee Blog.
Welcome to the new normal. We’re all now living in a post-COVID-19 world characterized by uncertainty, mass home working and remote learning. The lines demarcating normal life have shifted abruptly – perhaps never to return. That’s not the worst that can happen, as we all know, but it does mean we all need to get used to new ways of living, working and studying from home. This has major implications for the online safety, security and privacy of our families.
To help you adapt to these new conditions while protecting what matters most, Trend Micro has developed a two-part blog series on “The New Normal.” Part 1 identifies the scope and specific cyber-threats of the new normal. Part 2 provides security tips and products to help address those threats.
In April, nearly 300 million Americans were estimated to be in government-mandated lockdown. Even as some businesses, municipalities and states begin to relax these rules, experts have warned of subsequent waves of the virus, which could result in new localized lockdowns. In short, a lot of people will continue to work from home, while their children, also at home, attempt to study remotely from their mobile devices.
This has considerable implications for how we spend our time. Without that morning commute to work or school, more of it than ever will involve sitting in front of a desktop, laptop, tablet or smartphone screen. Even the smart TV is enlisted. Dangers include
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Unfortunately, the increase in working from home (WFH), especially for those not used to it, may lead to an increase in risky behavior, such as: using non-approved apps for work; visiting non work-related sites on work devices; and using personal devices to access work resources. Recent global Trend Micro research found that:
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This is not about restricting your freedom to visit the sites you want to visit while at home. It’s about reducing the risk of exposing corporate data and systems to possible malware.
Unsurprisingly, there has also been a major uptick in the volume of cyber-threats targeting home users. With a captive audience to aim at, it’s a huge opportunity for cyber-criminals to steal your log-ins and personal data to sell to fraudsters, or even to steal corporate passwords and information for a potentially bigger pay-off. They are helped by the fact that many home workers may be more distracted than they usually would be at the office, especially if they have young children. Your kids may even share the same laptops or PCs as you, potentially visiting risky sites and/or downloading unapproved apps.
There’s also a chance that, unless you have a corporate machine at home, your personal computing equipment is less secure than the kit you had in the office. Add to that the fact that support from the IT department may be less forthcoming than usual, given that stretched teams are overwhelmed with requests, while themselves struggling to WFH. One recent report claimed that nearly half (47%) of IT security pros have been taken off some or all of their typical security tasks to support other IT-related jobs. In another, only 59% of respondents said they believe their cybersecurity team has the right tools and resources at home to perform their job effectively.
It’s time to step up and take security into your own hands. Stay on the lookout for the following threats.
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So what’s a remote worker/concerned parent to do to protect themselves and the family in the midst of the “new normal?”
Read Part 2 in this mini-series, which we’re publishing simultaneously with Part 1, where we share some best practice advice on how to keep your digital lives and work systems safe from online threats during lockdown—and where we provide tools to help you do just that.
The post Top Tips For Home Cybersecurity And Privacy In A Coronavirus-Impacted World (Part 1) appeared first on .
The past few months have seen radical changes to our work and home life under the Coronavirus threat, upending norms and confining millions of American families within just four walls. In this context, it’s not surprising that more of us are spending an increasing portion of our lives online. But this brings with it some familiar cyber-risks. In Part 1 of this mini-series, we explained how cyber-criminals are looking to capitalize on these sweeping changes to society to further their own ends.
Now let’s take a look at what you can do to protect your family, your data, and access to your corporate accounts.
The bad guys are laser-focused on stealing your personal data and log-ins and increasingly see the remote worker as an easy target for leapfrogging into corporate networks. That’s not to mention the potential internet safety risks inherent in bored kids spending more time in front of their screens. To respond, you’ll need to create an equally focused “home security plan” governed by sensible policies and best practices. Here are some of the key areas to consider.
Protect your smart home and router
Increasingly, unprotected smart home devices are being targeted by cyber-criminals to turn into botnets to attack others. They might also provide sophisticated attackers with a stepping-stone into your corporate systems, via the home network. The home router, with its known flaws, is (after the modem) the digital front door to the smart home and the basis for your networking, so it should be first in any security strategy. Consider the following when tackling home network security:
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Secure your home office
Cyber-criminals are primed to take advantage of distracted home workers and potentially less secure PCs/devices. Secure this environment by doing the following:
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Stay safe from phishing
Phishing is the number one tactic used by attackers to trick you into installing malware or handing over your log-ins. Emails, text messages, social media messages and more are spoofed to appear as if sent by a legitimate company or contact. In response:
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Use video conferencing safely
New videoconferencing platforms can introduce risk, especially if you’re not familiar with the default settings. Here’s how to stay safe when video conferencing:
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Stay safe shopping and banking
Next, protect your financial information and stay safe from e-commerce fraud by doing the following:
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Think about online safety for kids
They may be under your roof for more hours of the day than usual, but your children are also likely to be spending more time online. That means you need to have a measured conversation with them about internet safety, backed up with parental controls. Consider the following:
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Mobile security best practices
Finally, sheltering at home has limits, particularly for restless kids. When they go to the store or out to the park, facemasks notwithstanding, they’re likely going to use their mobile devices, just as they’ll continue to do at home. Of course, you’re not exempt either from mobile threats. Ensure mobile security by
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When it comes to protecting the home from security and privacy threats during lockdown, leave no stone unturned. Cyber-criminals will always look for the weak link in the chain and focus their efforts there. Network security is important, but it doesn’t replace the need for protection on each individual device. You’ll need to cover your router, network, smart devices, and all endpoints (PCs, laptops, mobiles and other devices). Here’s how Trend Micro can help:
Trend Micro Home Network Security
Trend Micro Home Network Security provides industry-leading protection against any threats to internet-connected devices in the home. The solution
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Trend Micro Security (PC and Mac)
Trend Micro Security, available in various editions (led by Trend Micro Maximum Security), is Trend’s flagship endpoint security product for consumers. Available for both PCs and Macs, it features AI learning to stop advanced threats. Among a wide range of protections, it includes:
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Trend Micro Mobile Security:
Trend Micro Mobile Security provides endpoint security for all your mobile devices, whether Android or iOS-based.
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Additional Trend Micro Tools:
Network and endpoint security should be supplemented with tools that accomplish specific tasks, such as protecting your internet connections, your passwords, and your identity data. Trend Micro provides
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Maintaining your family’s security and privacy on all their devices during the coronavirus lockdown above all means changing your mindset, to take into account the mix of work and play in the household during the “new normal.” Use these tips and tools during lockdown and you’ll be well on your way to ensuring you and your family’s safety from malicious viruses—both digital and natural.
The post Top Tips For Home Cybersecurity And Privacy In A Coronavirus-Impacted World (Part 2) appeared first on .
We’re all getting a little more worldly wise to the dangers that lurk around every corner of our digital lives. We know that the flipside of being able to shop, chat, bank and share online at the push of a button is the risk of data theft, ransomware and identity fraud. That’s why we protect our families’ PCs and mobile devices with security solutions from proven providers like Trend Micro, and take extra care each time we fire up the internet.
But what about the firms that we entrust to handle our data securely?
Unfortunately, many of these organizations still aren’t doing enough to protect our personal and financial information. It could be data we enter online to pay for an item or open an account. Or it could be payment card details that we’ve used at a local outlet which are subsequently stored online. These companies are big targets for the bad guys, who only have to get lucky once to crack open an Aladdin’s Cave of lucrative customer data.
What does this mean? That data breaches are the new normal. Last year in the US there were a reported 1,473 of these incidents, exposing nearly 165 million customer records. The latest affected customers of convenience store and gas station chain Wawa — and it could be one of the biggest ever, affecting 30 million cards.
Let’s take a look at what happened, and what consumers can do to steal a march on the bad guys.
What happened this time?
Wawa first notified its customers of a payment card breach in December 2019. But although the firm discovered malware on its payment processing servers that month, it had actually been sitting there since March, potentially siphoning card data silently from every single Wawa location. That’s more than 850 stores, across Pennsylvania, New Jersey, Delaware, Maryland, Virginia, Florida, and Washington DC.
The company itself has so far declined to put a number on how many customers have been affected. However, while cardholders were still wondering whether they’ve been impacted or not, something else happened. At the end of January, a hacker began to upload the stolen cards to a notorious dark web marketplace, known as Joker’s Stash.
They are claiming to have 30 million stolen cards in total, which if accurate could make this one of the biggest card breaches of its kind, placing it alongside other incidents at Home Depot (2014) and Target (2013).
How does it affect me?
Once the data goes on sale on a dark web market like this, it is usually bought by scammers, who use it in follow-on identity fraud attacks. In this case, the stolen data includes debit and credit card numbers, expiration dates and cardholder names, but not PINs or CVV records. That means they can’t be used at ATMs and fraudsters will find it hard to use the cards online, as most merchants require the CVV number.
However, if the cards are of the old magstripe type, they could be cloned for use in face-to-face transactions.
Although Wawa said it has informed the relevant card issuers and brands, the cardholders themselves must monitor their cards for unusual transactions and then report to their issuer “in a timely manner” if they want to be reimbursed for any fraudulent usage. This can be a distressing, time-consuming process.
What should I do next?
This is by no means the first and it won’t be the last breach of this kind. In the past, data stolen from customers of Hilton Hotels, supermarket chain Hy-Vee, retailer Bebe Stores, and restaurant chains including Krystal, Moe’s and Schlotzsky’s has turned up for sale on Joker’s Stash. It can be dispiriting for consumers to see their personal data time and again compromised in this way by cyber-criminals.
Too often in the aftermath of such incidents, the customers themselves are left in the dark. There is no information on whether they’ve definitively had their personal or card data stolen, just an ominous sense that something bad may be about to happen. If the company itself doesn’t even know how many cards have been affected, how can you act decisively?
Credit monitoring is often provided by breached firms, but this is a less-than-perfect solution. For one thing, such services only alert the user if a new line of credit is being opened in their name — not if a stolen card is being used. And second, they only raise the alarm after the incident, by which time the fraudsters may already have made a serious dent in your finances.
Monitoring your bank account for fraudulent transactions is arguably more useful in cases like the Wawa breach, but it’s still too reactive. Here’s a handy 2-step plan which could provide better results:
Step 1: Dark web monitoring works
To get more proactive, consumers need Dark Web monitoring. These tools typically scour dark web sites like Joker’s Stash to look for your personal information. The beauty of this approach is that it can raise the alarm after a breach has occurred, when the data is posted to the Dark Web, but before a fraudster has had time to monetize your stolen details. With this information, you can proactively request that your lender block a particular card and issue a new one.
This approach works for all personal data you may want to keep protected, including email addresses, driver’s license, passport numbers and passwords.
Step 2: Password protection
Once you’ve determined that your data has been part of a breach and is being sold on the dark web, one of the most important things you can do is to change your passwords to any stolen accounts, in order to minimize the potential damage that fraudsters can do.
This is where password manager tools can come in very handy. They allow users to store and recall long, strong and unique credentials for each of the websites and apps they use. This means that if one password is compromised, as in a breach scenario, your other accounts will remain secure. It also makes passwords harder for hackers to guess, which they may try to do with automated tools if they already have your email address.
Following a breach, it also makes sense to look out for follow-on phishing attacks which may try to trick you into handing over more information to the fraudsters. Here are a few tips:
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How Trend Micro can help
Fortunately, Trend Micro has several products that can help you, as a potential or actual victim of a data breach, to proactively mitigate the fallout from a serious security incident, or to foil the fraudsters:
Trend Micro ID Security: checks if your personal information has been uploaded to Dark Web sites by hackers. This highly secure service, available in apps for Android and iOS mobile devices, uses data hashing and an encrypted connected to keep your details safe, alerting when it has found a match on the Dark Web so you can take action. Use it to protect your emails, credit card numbers, passwords, bank accounts, passport details and more.
Trend Micro Password Manager: provides a secure place to store, manage and update your passwords. It remembers your log-ins, so you can create secure and unique credentials for each website/app you need to sign-in to. This means if one site is breached, hackers will not be able to use that password to open your other accounts. Password Manager is available for Windows, Mac, iOS, and Android, synchronizing your passwords across all four platforms.
Trend Micro Fraud Buster: is a free online service you can use to check suspicious emails It uses advanced machine learning technology to identify scam emails that don’t contain malicious URLs or attachments but still pose a risk to the user, because the email (which may be extortionist) reflects the fact that the fraudster probably got your email address from the Dark Web in the first place. Users can then decide to report the scam, get more details, or proceed as before.
Fraud Buster is also now integrated into Trend Micro Security for Windows, protecting Gmail and Outlook webmail in Internet Explorer, Chrome, and Firefox. It’s also integrated in Trend Micro Antivirus for Mac, where it does the same for Gmail webmail in Safari, Chrome and Firefox on the Mac.
In the end, only you can guard your identity credentials with vigilance.
The post The Wawa Breach: 30 Million Reasons to Try Dark Web Monitoring appeared first on .
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