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“Vishing” occurs when criminals cold-call victims and attempt to persuade them to divulge personal information over the phone. These scammers are generally after credit card numbers and personal identifying information, which can then be used to commit financial theft. Vishing can occur both on your landline phone or via your cell phone.
The term is a combination of “voice,” and “phishing,” which is the use of spoofed emails to trick targets into clicking malicious links. Rather than email, vishing generally relies on automated phone calls that instruct targets to provide account numbers. Techniques scammers use to get your phone numbers include:
Once vishers have phone numbers, they employ various strategies to deceive their targets and obtain valuable personal information:
To protect yourself from vishing scams, you should:
Staying vigilant and informed is your best defense against vishing scams. By verifying caller identities, being skeptical of unsolicited requests for personal information, and using call-blocking tools, you can significantly reduce your risk of falling victim to these deceptive practices. Additionally, investing in identity theft protection services can provide an extra layer of security. These services monitor your personal information for suspicious activity and offer assistance in recovering from identity theft, giving you peace of mind in an increasingly digital world. Remember, proactive measures and awareness are key to safeguarding your personal information against vishing threats.
The post How to Protect Yourself from Vishing appeared first on McAfee Blog.
As the summer sun beckons us to explore new destinations, many of us rely on public Wi-Fi to stay connected while on the go. Whether checking emails, browsing social media, or planning our next adventure, access to Wi-Fi has become an essential part of our travel experiences. However, amidst the convenience lies a lurking threat to our cybersecurity. Public Wi-Fi networks are typically unencrypted, meaning data transmitted over these networks can be intercepted by hackers.
A study found that 40% of respondents have had their information compromised while using public Wi-Fi. In one notorious incident, a hacker accessed a journalist’s confidential work emails through in-flight Wi-Fi and then confronted him at baggage claim to reveal the breach. Often, individuals remain unaware of such compromises until well after the fact.
Since public Wi-Fi networks are often unsecure and used by many people, they are prime targets for cybercriminals looking to steal personal information such as passwords, credit card numbers, and other sensitive data. But fear not! With the right precautions, you can enjoy your summer travels while keeping your data safe and secure.
1. Understanding the Risks: Before delving into the world of public Wi-Fi, it’s crucial to understand the risks involved. Public networks, such as those found in cafes, airports, and hotels, are often unencrypted, meaning that cybercriminals can intercept data transmitted over these networks. This puts your sensitive information, including passwords, credit card details, and private messages, at risk of being compromised.
2. Utilize a Virtual Private Network: One of the most effective ways to safeguard your data while using public Wi-Fi is by using a Virtual Private Network (VPN). A VPN encrypts your internet connection, creating a secure tunnel between your device and the internet. This encryption prevents hackers from intercepting your data, ensuring your online activities remain private and secure. Invest in a reputable VPN service and install it on your devices before embarking on your summer adventures for added protection. Check out our step-by-step tutorial if it’s your first time setting up a VPN.
3. Keep Software Updated: Another essential aspect of cybersecurity is keeping your devices and software up-to-date. Updates often include security patches that address vulnerabilities and protect against emerging threats. Before setting off on your summer travels, install any available updates for your operating system, web browser, and security software. This simple step can significantly reduce the risk of falling victim to cyberattacks while connected to public Wi-Fi networks.
4. Enable Multi-Factor Authentication: Adding an extra layer of security to your online accounts can help prevent unauthorized access, even if your passwords are compromised. Multi-factor authentication (MFA) requires you to provide two or more forms of verification before accessing your accounts, such as a password, a fingerprint scan, or a one-time code sent to your mobile device. Enable MFA on your email, social media, and banking accounts before your travels to enhance your cybersecurity defenses.
5. Exercise Caution: Avoid accessing sensitive information while connected to public Wi-Fi. Refrain from logging into banking or shopping accounts and accessing confidential work documents while connected to unsecured networks. Instead, save these tasks for when you’re connected to a trusted network or using your mobile data.
6. Practice Good Password Hygiene: While connected to public Wi-Fi, it’s crucial to use strong, unique passwords for all your accounts. Avoid using easily guessable passwords or reusing the same password across multiple accounts, as this increases the risk of unauthorized access to your sensitive information. Consider using a reputable password manager to generate and store complex passwords securely.
7. Consider a Personal Hotspot: Using a personal hotspot instead of public Wi-Fi networks can often be a safer choice. Many mobile devices allow you to create a secure Wi-Fi network using your cellular data connection. Check your phone provider’s data plan beforehand to ensure this option doesn’t incur additional data charges.
Connecting to public Wi-Fi safely during your summer travels requires awareness and preparation. By taking steps like utilizing a VPN, keeping your software updated, and enabling MFA, you can enjoy the convenience of staying connected while protecting your personal information from cyber threats.
To further safeguard your digital devices, explore McAfee’s array of software solutions to discover the perfect fit for your security requirements. With the right cybersecurity tools, it’s easy to surf the web securely while exploring new destinations during your summer adventures.
The post How to Safely Connecting to Public Wi-Fi While Traveling appeared first on McAfee Blog.
Kids engage online far differently than adults. Between group chats, social apps, and keeping up with digital trends, their interests, and attention spans constantly shift, which means online privacy concerns get sidelined. Here are a few ways to move online privacy center stage.
Few things will put kids to sleep faster than talking with parents about online stuff like privacy. So, flip the script. Talk about the things they love online—shopping, TikTok, and group chats. Why? Because all that daily fun could come to a screeching halt should a bad actor get a hold of your child’s data. Establishing strong digital habits allows your child to protect what they enjoy including their Venmo account, video games, and midnight chatting. Doing simple things such as maximizing privacy settings on social networks, limiting their social circles to known friends, and refraining from oversharing, can dramatically improve digital privacy.
We say it often: The best way to keep your kids safe online is by nurturing a strong relationship with them. A healthy parent-child connection is at the heart of raising kids who can make good choices online. Connect with your child daily. Talk about what’s important to them. Listen. Ask them to show you their favorite apps. Soon, you’ll discover details about their online life and gain the trust you need to discuss difficult topics down the road.
According to the latest Data Breach Investigations Report (DBIR), which examined the state of cybersecurity in 2023, some 68% of global breaches, regardless of whether they included a third party or not, involved a non-malicious human action, such as a person making an error or becoming a victim of a social engineering attack. For that reason, consider putting an extra layer of protection between your family and cyberspace. A few ways to do that:
A good digital offense is the best way to guard yourself and your family against those out to misuse your data. Offensive tactics and habits include using strong passwords, maximizing privacy settings on social networks, using a VPN, and boosting security on the many IoT devices throughout your home.
Get in the habit of deep cleaning your technology and bring your kids into the routine. Here’s how:
Establish rules and guidelines for online behavior, and make sure everyone in the family understands the importance of protecting their personal information.
Keep the conversation about online safety ongoing. Regularly check in with your kids about their online experiences and encourage them to speak up if they encounter anything suspicious or uncomfortable.
It’s hard to slow down and get serious about online privacy if you’ve never experienced a breach or online theft of some kind. However, chances are, the dark side of online living will impact your family before long. Ready to go deeper? Dig into these cybersecurity tips for every age and stage.
The post How to Get Kids Focused on Their Online Privacy appeared first on McAfee Blog.
Traveling on a budget while backpacking allows individuals to immerse themselves fully in local cultures, explore off-the-beaten-path destinations, and forge genuine connections with fellow travelers, all while minimizing expenses. However, amidst the thrill of exploring new places, it’s crucial to safeguard your digital assets and personal information. Experiencing multiple scams on a single trip, as this twenty-one-year-old woman did in Chile and Bolivia, is rare. However, her cautionary tale highlights the importance of careful preparation when traveling, particularly in unfamiliar destinations.
Being informed about different scam risks is critical to ensuring a safe journey. Beyond the dangers inherent in unencrypted public Wi-Fi, cybercriminals also deploy Wi-Fi network spoofing, setting up fake networks in tourist hotspots to intercept travelers’ data. ATM skimming is another prevalent threat, especially in popular tourist areas, where criminals install devices to steal card information from unsuspecting users.
Accommodation scams on online booking platforms have also become more common, leaving travelers stranded without a place to stay after falling victim to fake listings or fraudulent hosts. One individual wired $3,100 to a cybercriminal after receiving a scam email, purportedly from Booking.com, offering a 20% accommodation discount for paying the host directly via wire transfer.
Given these risks, backpackers should take proactive measures to safeguard their devices and data. Here are some practical tips and strategies to ensure your cybersecurity while backpacking on a budget:
While backpacking offers incredible opportunities for adventure and exploration, it’s essential to prioritize cybersecurity to safeguard your digital assets and personal information. By following these practical tips and strategies, you can enjoy your travels with peace of mind, knowing you’ve taken steps to protect yourself against cyber threats.
The post How to Safeguard Your Digital Assets While Backpacking on a Budget appeared first on McAfee Blog.
I often joke about how I wish I could wrap up my kids in cotton wool to protect them from all the challenges of the real world. When they were little, I would have loved to protect them from some of the trickier kids in the playground. But as they got older, it was all about the internet and of course, alcohol, drugs and fast cars!
Unfortunately, I don’t have solutions for all of the above parenting challenges but with over 12 years of experience as Cybermum, I know a thing or two about keeping kids safe online.
The CEOs of the world’s largest social media platforms were recently summoned to a Senate Judicial Committee hearing in Washington. The Kids Online Safety Act (KOSA) is still being heavily debated and representatives from Meta, Discord, TikTok, Snap and X, the company formerly known as Twitter, were invited to participate in the hearing. Designed to regulate social media and better protect children, the proposed bill has a lot of support but there is still a way to go before it takes its final shape and potentially becomes law.
In my opinion, there’s no question that governments worldwide need to play a bigger, more vocal role in this arena and insist on better protections for all social media users, particularly our kids. In 2019, Australia passed its own Online Safety Act and the UK did the same in 2023 with its Online Safety Law. And while these are all very important steps forward, I honestly believe that the role families play in teaching their kids about online safety is even more important.
I totally understand that teaching kids about online safety can just feel like another task on a never-ending to-do list. I’ve been there! But think of it like this. Haven’t you been talking to your kids about sun safety and road safety along the way? You know, dropping in little reminders and tips as you drop them at school or pick them up from a play date? Well, this is how you need to think about online safety. Focus on breaking it down into little chunks so it doesn’t feel hard.
Now that we have our mindset sorted, let me share my top tips for helping your kids stay safe while they are online.
As soon as your kids can pick up a device, your conversations about online safety need to start. Yes, I know it might seem ridiculous, but it is THE best way to help ‘mould and shape’ your offspring’s mind in a cyber-safe way. If your 2-year-old likes to play games on your iPad, it could be as simple as:
And when your kids get older, weave in more age-appropriate messages, such as:
Spending time online with your child from an early age is another great way of helping them understand the difference between good and bad content. And modelling good digital citizenship while you are online with your kids will help ‘mould and shape’ their understanding of how to interact safely and positively.
I’m a big fan of ensuring kids have clarity on boundaries and expectations, particularly when it comes to all things online. Your easiest fix here? A family technology agreement. I love a family technology agreement because it can be tailored to your kids, their ages and maturity levels. Check out my previous blog post on how to develop one for your family here. One final piece of advice here – don’t start introducing tech contracts during a family blow up. Please wait till everyone is calm otherwise I can assure you, you’ll encounter resistance from some family members!
There are a few key fundamental basics that I think every child needs to know to keep themselves safe online. Here are my top 5:
I would also include these basics in your family technology contract.
As your kids get older, it becomes harder to monitor their every move online. Yes, you can create bookmarks with ‘approved’ sites and install parental controls however it is inevitable that there will be an opportunity for unsupervised internet usage. But if you have helped your kids develop critical thinking skills then it is far more likely that they will be able to navigate the internet is a safe and responsible way.
Where to start? Always encourage a healthy scepticism and encourage them to not accept that everything they read online is true. When it is age-appropriate, help them to identify reliable sources, spot less reliable websites, and question the underlying purpose of the information that has been shared.
Taking some time to understand how your child spends their time online is the best way of truly understanding the risks and challenges they face. And when you understand the risks they face, you can help them prepare for them. So, join ALL the social media platforms your kids are on, play their games and download their messaging apps. Not only will you develop a better understanding of how to manage the privacy settings on each of the platforms, but the often very specific language used and the online culture can often form a big part of your child’s life. And the best part – if they know you understand their world, you will develop a little ‘tech cred’ which means that they will be more likely to come to you with any issues or problems that may face online. Awesome!
A set of good-quality parental controls can be a wonderful addition to any digital parenting toolkit. Many will allow you to filter the content your child sees, block certain websites, and even track your child’s browsing history and location. But please remember, no parental controls will ever replace an invested parent! Check out McAfee’s website for more information.
Now, I know that might feel like a lot but please don’t stress. Simply chunk it down and give yourself a new task every week such as joining a new social media platform or playing your child’s favourite online game. The most important thing to remember is to keep talking to your kids. Why not start the conversation by asking them for advice or, sharing something you saw online? Remember, your goal here is to get yourself some tech cred! Good luck!!
Alex xx
The post How to Keep Your Kids Safe Online appeared first on McAfee Blog.
Summer is synonymous with vacations, a time when families pack their bags, grab their sunscreen, and embark on exciting adventures. In the digital age, smartphones have become an indispensable part of our lives, serving as cameras, maps, entertainment hubs, and communication tools. While these devices enhance our travel experiences, they also become prime targets for theft or damage while we’re away from home. From keeping us connected with family and friends, assisting in navigation, capturing moments, to even helping us with language translation – it is a device of many conveniences. However, when you bring your smartphone while vacationing, like any other valuable item, it becomes a target for theft and damage. Not to mention the potential for high roaming charges.
Don’t let the fear of losing or damaging your valuable devices dampen your vacation spirit! By taking some simple precautions and implementing effective strategies, you can ensure that your family’s smartphones remain safe and secure throughout your travels. In this blog post, we’ll share essential tips and tricks for safeguarding your devices, so you can focus on creating unforgettable memories without any tech-related worries. This article will provide you with tips on how to protect your family’s smartphones while on vacation. We will cover strategies like enabling security settings, backing up data, checking for travel insurance policies, and utilizing helpful apps. Ensuring the safety of your devices will make your vacation more enjoyable and worry-free.
Traveling without smartphones seems almost impossible. However, having them on vacation puts them at risk. In tourist hotspots, where distractions are many, it is easy to lose or have your device stolen. Moreover, using public Wi-Fi networks can expose your smartphone to cyber attacks.
→ Dig Deeper: The Risks of Public Wi-Fi and How to Close the Security Gap
Therefore, it is vital to be proactive in securing both your smartphones and the data they contain. Not only will it save you from the high costs of replacing a lost or damaged phone, but it also prevents potential misuse of personal and financial information. Implementing even just a few of these safety measures can help ensure your family’s smartphones are well-protected during your vacation. So let’s dive into the practical steps you can take.
The first layer of protection for your phone should be a physical one. It starts with investing in a good quality, durable phone case. A waterproof case is always a good idea, especially if you’re planning on vacationing near the beach or a pool. A screen protector can also keep your screen from shattering or getting scratched. Remember, you’re more likely to drop your phone while on vacation as you juggle through maps, travel apps, and numerous photo opportunities.
Another aspect of physical protection is to be mindful of where you store your phone. Avoid leaving it in plain sight or unattended, which could invite potential thieves. Instead, carry it in a secure, zipped pocket or bag. If you’re staying at a hotel, consider using the safe to store your phone when not in use. Most importantly, be aware of your surroundings and keep your phone safely tucked away in crowded places.
McAfee Pro Tip: Activating the correct features can determine whether your personal data is lost permanently or if your device can swiftly recover. Install McAfee Mobile Security and learn more tips on what to do if your phone gets stolen on this blog.
Safeguarding your phone is not just about protecting the physical device—your personal and sensitive data deserves protection too. Before you leave for your vacation, make sure that your phone is password-protected. Optimally, use a complex password, fingerprint, or face recognition feature instead of a simple four-digit PIN. This singular step can deter any prying eyes from accessing your information if your phone is lost or stolen.
Ensure your phone’s software is up to date. Regular updates not only enhance the device’s performance but also incorporate vital security patches, fortifying its defenses against potential threats like malware. By staying vigilant and keeping your phone’s software current, you contribute to a more secure environment, minimizing the risk of unauthorized eyes accessing your valuable information in the event of a loss or theft.
→ Dig Deeper: Why Software Updates Are So Important
Backing up your smartphone’s data before leaving for vacation can save you from a lot of stress. In case of loss, theft, or damage, having a backup ensures that you won’t lose your cherished photos, contacts, and other essential data. Most smartphones allow you to back up your data to the cloud. Make sure to do this over a safe, secure network and not on public Wi-Fi.
For Android users, Google provides an automatic backup service for things like app data, call history, and settings. You can check if this feature is enabled on your phone by going to the Google Drive App and checking in the Backups section. For iPhone users, iCloud Backup can help save most of your data and settings. To enable it, go to Settings, tap on your name, then tap iCloud and scroll down to tap iCloud Backup.
Without proper management, staying connected while abroad can result in expensive roaming charges. Before you leave, check with your mobile provider to understand the costs associated with using your phone abroad. Some providers offer international plans that you can temporarily switch to for your vacation. If your provider’s charges are too high, consider purchasing a local SIM card once you arrive at your destination or use an international data package.
Another way to avoid roaming charges is by using Wi-Fi. Most hotels, cafes, and many public spaces have free Wi-Fi available. However, again, public Wi-Fi is not always safe. So, avoid accessing sensitive information such as bank accounts, and before traveling, download maps and essential content before traveling to reduce the need for constant data usage. This is especially helpful for navigation apps. To protect your data in such situations, it’s advisable to use a Virtual Private Network (VPN).
→ Dig Deeper: How to Keep Your Data & Devices Safe While Traveling
Several apps can help protect your phone and its data during your vacation. Most smartphone operating systems offer a “Find My Phone” feature that can locate, lock, or erase your device if it is lost or stolen. Make sure this feature is enabled before you leave.
Again, antivirus apps can provide an extra layer of protection against virus and malware threats. Password manager apps can help you create and store complex, unique passwords for your accounts to enhance security.
VPN apps can protect your data from being intercepted when using public Wi-Fi networks. There are also apps that monitor your data usage and can alert you if you’re near your limit to avoid unexpected charges. Research and install these apps prior to your vacation for added security and peace of mind.
Your family’s smartphones are essential travel companions that deserve as much protection as any other valuable item during your vacation. By physically safeguarding the device, securing your data, backing up regularly, understanding roaming charges, and utilizing productive apps, you can enjoy a worry-free vacation. Remember, in the event of a mishap, having travel insurance can provide an extra layer of financial protection. So, before setting off, review your policy and check if it covers lost or stolen devices. In the end, preparation is key, so take the time to implement these safety measures and enjoy your vacation with peace of mind.
Above and beyond security settings and software, there’s you. Get in the habit of talking with your child for a sense of what they’re doing online. As a mom, I like to ask them about their favorite games, share some funny TikTok clips or cute photos with them, and generally make it a point to be a part of their digital lives. It’s great, because it gives you peace of mind knowing what types of things they are doing or interactions they are having online.
For those of you hitting the road in the coming weeks, enjoy your travels, wherever they take you!
The post How To Protect Your Family’s Smartphones While on Vacation appeared first on McAfee Blog.
The number of people who use VPNs (virtual private networks) continues to mushroom. Recent research shows that 46% of American adults now use a VPN — 23% of which use it for strictly personal purposes.[i] Within that mix, 43% said they use a free VPN service. Yet “free” VPNs often come with a price. Typically at the expense of your privacy.
A personal VPN establishes a secure tunnel over the internet, offering you both privacy and freedom from IP-based tracking. It protects your identity and financial info by encrypting, or scrambling, the data that flows through the tunnel. Moreover, it can mask your true location, making it appear as though you are connecting from somewhere else.
Sometimes a VPN is included in more robust security software, as it is in our McAfee+ plans. It’s also, but often it is a standalone tool, that is offered for a monthly subscription rate or for free. While it might be tempting to go for a free option, there are some serious considerations that you should take to heart.
Because free VPNs don’t charge a subscription, many make revenue indirectly through advertising. This means that users get bombarded with ads. And they get exposed to tracking by the provider. In fact, one study of 283 free VPN providers found that 72% included trackers.[ii] The irony is worth pointing out. Many people use VPNs to shroud their browsing from advertisers and other data collectors. Meanwhile, free VPNs often lead to that exact kind of exposure.
But beyond the frustration of ads, slowness, and upgrade prompts is the fact that some free VPN tools include malware that can put your sensitive info at risk. The same study found that 38% of the free VPN applications in the Google Play Store were found to have malware, such as keyloggers, and some even stole data from devices.
Also concerning is how these free providers handle your data. In one worrying case, security researchers uncovered seven VPN providers that gathered user logs despite pledges not to.[iii]
Clearly, many so-called “free” VPNs aren’t free at all.
VPNs are critical tools for enhancing our privacy and shouldn’t be an avenue opening the door to new risks. That’s why your best bet is to look for a paid VPN with the following features:
Unlimited bandwidth — You want your network connection to stay secure no matter how much time you spend online.
Speedy performance — We all know how frustrating a sluggish internet connection can be when you are trying to get things done. Whether connecting for productivity, education, or entertainment, we’re all dependent on bandwidth. That’s why it’s important to choose a high-speed VPN that enhances your privacy, without sacrificing the quality of your connection.
Multiple device protection — These days many of us toggle between mobile devices, laptops, and computers, so they should all be able to connect securely.
Less battery drain — Some free mobile VPNs zap your battery life, making users less likely to stay protected. You shouldn’t have to choose between your battery life and safeguarding your privacy.
Ease of use — For technology to really work, it has to be convenient. After all, these technologies should power your connected life, not serve as a hindrance.
Fortunately, we don’t have to sacrifice convenience, or pay high prices, for a VPN that can offer a high level of privacy and protection. A comprehensive security suite like McAfee+ includes our standalone VPN with auto-renewal and takes the worry out of connecting, so you can focus on what’s important to you and your family, and enjoy quality time together.
[i] https://www.security.org/resources/vpn-consumer-report-annual/
[ii] https://www.icir.org/vern/papers/vpn-apps-imc16.pdf
[iii] https://www.pcmag.com/news/7-vpn-services-found-recording-user-logs-despite-no-log-pledge
The post How Free VPNs Come With a Price appeared first on McAfee Blog.
My mother recently turned 80, so of course a large celebration was in order. With 100 plus guests, entertainment, and catering to organise, the best way for me to keep everyone updated (and share tasks) was to use Google Docs. Gee, it worked well. My updates could immediately be seen by everyone, the family could access it from all the devices, and it was free to use! No wonder Google has a monopoly on drive and document sharing.
But here’s the thing – hackers know just how much both individuals and businesses have embraced Google products. So, it makes complete sense that they use reputable companies such as Google to devise phishing emails that are designed to extract our personal information. In fact, the Google Docs phishing scam was widely regarded as one of the most successful personal data extraction scams to date. They know that billions of people worldwide use Google so an invitation to click a link and view a document does not seem like an unreasonable email to receive. But it caused so much grief for so many people.
Emails designed to trick you into sharing your personal information are a scammer’s bread and butter. This is essentially what phishing is. It is by far the most successful tool they use to get their hands on your personal data and access your email.
‘But why do they want my email logins?’ – I hear you ask. Well, email accounts are what every scammer dreams of – they are a treasure trove of personally identifiable material that they can either steal or exploit. They could also use your email to launch a wide range of malicious activities from spamming and spoofing to spear phishing. Complicated terms, I know but in essence these are different types of phishing strategies. So, you can see why they are keen!!
But successful phishing emails usually share a few criteria which is important to know. Firstly, the email looks like it has been sent from a legitimate company e.g. Microsoft, Amex, or Google. Secondly, the email has a strong ‘call to action’ e.g. ‘your password has been changed, if this is not the case, please click here’. And thirdly, the email does not seem too out of place or random from the potential victim’s perspective.
Despite the fact that scammers are savvy tricksters, there are steps you can take to maximise the chances your email remains locked away from their prying eyes. Here’s what I suggest:
Never respond to an unexpected email or website that asks you for personal information or your login details no matter how professional it looks. If you have any doubts, always contact the company directly to verify.
Make sure you have super-duper internet security software that includes all the bells and whistles. Not only does internet security software McAfee+ include protection for daily browsing but it also has a password manager, a VPN, and a social privacy manager that will lock down your privacy settings on your social media accounts. A complete no-brainer!
Avoid using public Wi-Fi to log into your email from public places. It takes very little effort for a hacker to position themselves between you and the connection point. So, it’s entirely possible for them to be in receipt of all your private information and logins which clearly you don’t want. If you really need to use it, invest in a Virtual Private Network (VPN) which will ensure everything you share via Wi-Fi will be encrypted. Your McAfee+ subscription includes a VPN.
Public computers should also be avoided even just to ‘check your email’. Not only is there a greater chance of spyware on untrusted computers but some of them sport key-logging programs which can both monitor and record the keys you strike on the keyboard – a great way of finding out your password!
Ensuring each of your online accounts has its own unique, strong, and complex password is one of the best ways of keeping hackers out of your life. I always suggest at least 10-12 characters with a combination of upper and lower case letters, symbols, and numbers. A crazy nonsensical sentence is a great option here but better still is a password manager that will remember and generate passwords that no human could! A password manager is also part of your McAfee+ online security pack.
Even if you have taken all the necessary steps to protect your email from hackers, there is the chance that your email logins may be leaked in a data breach. A data breach happens when a company’s data is accessed by scammers and customers’ personal information is stolen. You may remember the Optus, Medibank and Latitude hacks of 2022/23?
If you have had your personal information stolen, please be assured that there are steps you can take to remedy this. The key is to act fast. Check out my recent blog post here for everything you need to know.
So, next time you’re organising a big gathering don’t hesitate to use Google Docs to plan or Microsoft Teams to host your planning meetings. While the thought of being hacked might make you want to withdraw, please don’t. Instead, cultivate a questioning mindset in both yourself and your kids, and always have a healthy amount of suspicion when going about your online life. You’ve got this!!
Till next time,
Stay safe!
Alex
The post How To Prevent Your Emails From Being Hacked appeared first on McAfee Blog.
Following a whirlwind year of travel in 2023, 40% of Americans are gearing up for even more adventures in 2024. As the warmth of summer approaches and travel plans start to take shape, it’s crucial to prepare for often overlooked risks that may come up while traveling. The mix of unfamiliar surroundings, increased distraction, and reliance on public Wi-Fi creates an ideal environment for malicious actors to exploit. From impersonation tricks to oversharing on social media, attackers have plenty of ways to target unsuspecting travelers.
What are the most common scams you should watch out for, and how can you stay safe from them?
One of the most common social engineering threats while traveling is impersonation scams. Attackers may pose as hotel staff, tour guides, or even fellow travelers to gain access to personal information or valuable belongings. Always verify the identity of individuals before sharing any sensitive information or handing over personal belongings. If someone claims to be an employee of a hotel or a service provider, don’t hesitate to ask for official identification or contact the establishment directly to confirm their identity.
Public Wi-Fi networks are a convenient way to stay connected while traveling, but they also pose significant security risks. Hackers can easily intercept data transmitted over these networks, including login credentials, credit card information, and personal messages. Avoid accessing sensitive accounts or conducting financial transactions while connected to public Wi-Fi. Instead, use a virtual private network (VPN) to encrypt your internet connection and protect your data from prying eyes.
Sharing vacation photos and updates on social media may seem harmless, but it can inadvertently put you at risk. Posting your location in real time or sharing details about your travel itinerary can make you a target for thieves and cybercriminals. Avoid oversharing on social media, especially when it comes to your whereabouts, and consider waiting to post travel updates until you are home.
Take a deep dive into your privacy settings to ensure that bad actors can’t access your personal information through your social media accounts. Our Social Privacy Manager can do that work for you, automatically adjusting more than 100 privacy settings across all the accounts you choose.
Phishing emails and texts are a common tactic used by cybercriminals to trick travelers into revealing sensitive information or downloading malware onto their devices. Be wary of unsolicited messages claiming to be from airlines, hotels, or financial institutions, especially if they ask for personal information or prompt you to click on suspicious links. Verify the legitimacy of any unexpected communications by contacting the sender directly using official contact information obtained from their official website or a trusted source.
In addition to being aware of the risks, there are proactive steps you can take to protect your personal information before traveling:
By staying informed and vigilant, you can minimize the risk of falling victim to scams while traveling and enjoy a worry-free vacation experience. Remember to trust your instincts and err on the side of caution when encountering unfamiliar situations or individuals.
Having a complete set of online protection software is like having a team of cyber guardians watching over you on vacation. With the right precautions in place, you can focus on making memories and exploring new destinations without compromising your personal information or security. Safe travels!
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As election season approaches, the importance of safeguarding our democratic processes has never been more critical. Ensuring election security is not just the responsibility of government bodies but also of every individual voter. This blog post aims to provide valuable insights and practical tips for consumers to protect their votes and understand the mechanisms in place to secure elections.
Election security encompasses a broad range of practices designed to ensure the integrity, confidentiality, and accessibility of the voting process. This includes safeguarding against cyber threats, ensuring the accuracy of voter registration databases, protecting the physical security of voting equipment, and maintaining transparency in the vote counting process. As voters, being aware of these elements helps us appreciate the complexity and importance of secure elections.
One of the first steps to secure your vote is to ensure that you are registered correctly. Check your voter registration status well in advance of the election day through your local election office or official state website. This helps to avoid any last-minute issues and ensures your eligibility to vote.
Misinformation can spread rapidly, especially during election periods. Rely on official sources for information about polling locations, voting procedures, and deadlines. Avoid sharing unverified information on social media and report any suspicious content to the relevant authorities.
Whether you are voting in person or by mail, make sure to follow the recommended procedures. If voting by mail, request your ballot from a verified source and return it through secure methods such as official drop boxes or by mail with sufficient time to ensure it is received before the deadline.
Scammers often target voters to steal personal information. Be cautious of unsolicited phone calls, emails, or texts asking for your personal details. Official election offices will not request sensitive information such as your Social Security number via these methods.
If you notice anything unusual at your polling place or have concerns about the voting process, report it immediately to election officials. This includes any signs of tampering with voting machines, suspicious behavior, or attempts to intimidate voters.
Familiarize yourself with the voting process in your area. This includes knowing your polling location, understanding what identification is required, and learning about the different ways you can cast your vote. Many states provide detailed guides and resources for first-time voters.
Plan your voting day in advance. Decide whether you will vote in person or by mail, and make sure you have all necessary documentation ready. If you are voting in person, consider going during off-peak hours to avoid long lines.
Before you head to the polls, research the candidates and issues on the ballot. This will help you make informed decisions and feel more confident in your choices.
Don’t hesitate to ask for help if you need it. Election officials and poll workers are there to assist you. Additionally, many organizations offer support for first-time voters, including transportation to polling places and information hotlines.
Understand the security measures your state has implemented to protect the election process. This might include the use of paper ballots, post-election audits, and cybersecurity protocols. Being aware of these measures can increase your confidence in the election’s integrity.
If your state offers early voting, take advantage of it. Early voting can reduce the stress of long lines and crowded polling places on election day, making the process smoother and more secure.
Encourage friends and family to vote and educate them about election security. A well-informed electorate is a key component of a secure and fair election.
Keep up with reputable news sources to stay informed about any potential security threats or changes in the voting process. This will help you stay prepared and responsive to any issues that might arise.
By following these tips and staying vigilant, every voter can contribute to a secure and fair election process. Remember, your vote is your voice, and protecting it is essential for the health of our democracy. Happy voting!
The post What You Need to Know About Election Security appeared first on McAfee Blog.
As the name implies, spear phishing attacks are highly targeted scams. They often occur in professional settings, where the scammers go after one “big phish,” such as a ranking employee with access to finances or data. From there, the scammers employ social engineering (aka manipulation) to trick the target into transferring funds to them or giving them access to sensitive company systems. Sometimes, it’s a mix of both.
Some of the most striking examples of spear phishing attacks come from the Shamoon2 attacks seen in Saudi Arabia back in 2016. Successive waves of attacks ultimately infected machines with malware and destroyed systems.
So, how did this specific spear phishing attack work, exactly? Cybercriminals targeted specific organizations in Saudi Arabia with emails that included malicious attachments in them. Then, when victims clicked and opened the attachment, they were infected, valuable company data was taken and systems were quickly wiped.
Spear phishing has been around for quite some time yet remains as effective as ever. Spear phishing’s success is based on familiarity. Usually, cybercriminals pretend to be an organization or individual that you know and include a piece of content—a link, an email attachment, etc.—that they know you’ll want to interact with.
For example, cybercriminals have taken advantage of tragedies in the headlines and used targeted emails claiming to be a charitable organization asking for donations. In the case of Shamoon2, the attackers lured in victims with a tempting email attachment sent from organizations the victims were likely to trust. But instead of giving to their charity of choice, or opening a seemingly harmless workplace attachment, victims then self-infect their systems with malware.
Moreover, we have seen spear phishing attacks take on an entirely new form with the advent of AI deepfakes. Now, instead of reaching out to victims via email, sophisticated scammers create deepfakes that pose as employees on video calls. All in real-time. Such was the case in Hong Kong in February 2024 where a host of deepfakes pressured a company’s finance officer into transferring $25 million to the scammers running the deepfakes.[i]
Moral of the story: spear phishing (and regular phishing) attacks can be tricky. However, fear not, there’s a lot you can do to stay on top of this threat.
For starters:
Spear phishing attacks can be easily deceiving. In fact, cybercriminals have been able to impersonate known, credible charities or an employer’s business partners and customers. So, if you receive an email from an organization asking for donations or a partner asking you to open a file you didn’t request, a good rule of thumb is to go directly to the organization through a communications channel other than email. Go to the company’s site and do more research from there. That way, you can ensure you’re gaining accurate information and can interact with the right people, rather than cyber-attackers.
Always check for legitimacy first. Spear phishing emails rely on you—they want you to click a link, or open an attachment. But before you do anything, you always need to check an email’s content for legitimacy. Hover over a link and see if it’s going to a reliable URL. Or, if you’re unsure about an email’s content or the source it came from, do a quick Google search and look for other instances of this campaign, and what those instances could tell you about the email’s legitimacy.
Fraudsters select their victims carefully in these targeted attacks. They hunt down employees with access to info and funds and then do their research on them. Using public records, data broker sites, “people finder” sites, and info from social media, fraudsters collect intel on their marks. Armed with that, they can pepper their conversations with references that sound more informed, more personal, and thus more convincing. Just because what’s being said feels or sounds somewhat familiar doesn’t always mean it’s coming from a trustworthy source.
With that, employees can reduce the amount of personal info others can find online. Features like McAfee Personal Data Cleanup can help remove personal info from some of the riskiest data broker sites out there. I also keep tabs on those sites if more personal info appears on them later. Additionally, employees can set their social media profiles to private by limiting access to “friends and family only,” which denies fraudsters another avenue of info gathering. Using our Social Privacy Manager can make that even easier. With just a few clicks, it can adjust more than 100 privacy settings across their social media accounts — making them more private as a result.
[i] https://metro.co.uk/2024/02/05/horrifying-deepfake-tricks-employee-giving-away-20-million-20225490/
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I think I could count on my hand the people I know who have NOT had their email hacked. Maybe they found a four-leaf clover when they were kids!
Email hacking is one of the very unfortunate downsides of living in our connected, digital world. And it usually occurs as a result of a data breach – a situation that even the savviest tech experts find themselves in.
In simple terms, a data breach happens when personal information is accessed, disclosed without permission, or lost. Companies, organisations, and government departments of any size can be affected. Data stolen can include customer login details (email addresses and passwords), credit card numbers, identifying IDs of customers e.g. driver’s license numbers and/or passport numbers, confidential customer information, company strategy, or even matters of national security.
Data breaches have made headlines, particularly over the last few years. When the Optus and Medibank data breaches hit the news in 2022 affecting almost 10 million Aussies a piece, we were all shaken. But then when Aussie finance company Latitude, was affected in 2023 with a whopping 14 million people from both Australia and New Zealand affected, it almost felt inevitable that by now, most of us would have been impacted.
But these were the data breaches that grabbed our attention. The reality is that data breaches have been happening for years. In fact, the largest data breach in Australian history actually happened in May 2019 to the online design site Canva which affected 137 million users globally including many Aussies.
So, in short – it can happen to anyone, and the chances are you may have already been affected.
The sole objective of a hacker is to get their hands on your data. And any information that you share in your email account can be very valuable to them. But why do they want your data, you ask? It’s simple really – so they can cash in! Some will keep the juicy stuff for themselves – passwords or logins to government departments or large companies they may want to ’target’ with the aim of extracting valuable data and/or funds. But the more sophisticated ones will sell your details including name, telephone, email address, and credit card details, and cash in on the Dark Web. They often do this in batches. Some experts believe they can get as much as AU$250 for a full set of details including credit cards. So, you can see why they’d be interested in you!
The other reason why hackers will be interested in your email address and password is that many of us re-use these login details across our other online accounts too. So, once they’ve got their hands on your email credentials then they may be able to access your online banking and investment accounts – the possibilities are endless if you are using the same login credentials everywhere. So, you can see why I harp on about using a unique password for every online account!
There is a plethora of statistics on just how big this issue is – all of them concerning.
According to the Australian Institute of Criminology, there were over 16,000 reports of identity theft in 2022.
The Department of Home Affairs and Stay Smart Australia reports that cybercrime costs Australian businesses $29 billion a year with the average business spending around $275,000 to remedy a data breach
And although there has been a slight reduction in Aussies falling for phishing scams in recent years (down from 2.7% in 2020/1 to 2.5% in 2022/3), more Australians are falling victim to card fraud scams with a total of $2.2 billion lost in 2023.
But regardless of which statistic you choose to focus on, we have a big issue on our hands!
If you find yourself a victim of email hacking there are a few very important steps you need to take and the key is to take them FAST!!
This is the very first thing you must do to ensure the hacker can’t get back into your account. It is essential that your new password is complex and totally unrelated to previous passwords. Always use at least 8-10 characters with a variety of upper and lower case and throw in some symbols and numbers. I really like the idea of a crazy, nonsensical sentence – easier to remember and harder to crack! But, better still, get yourself a password manager that will create a password that no human would be capable of creating.
If you find the hacker has locked you out of your account by changing your password, you will need to reset the password by clicking on the ‘Forgot My Password’ link.
This is time-consuming but essential. Ensure you change any other accounts that use the same username and password as your compromised email. Hackers love the fact that many people still use the same logins for multiple accounts, so it is guaranteed they will try your info in other email applications and sites such as PayPal, Amazon, Netflix – you name it!
Once the dust has settled, please review your password strategy for all your online accounts. A best practice is to ensure every online account has its own unique and complex password.
A big part of the hacker’s strategy is to ‘get their claws’ into your address book with the aim of hooking others as well. Send a message to all your email contacts as soon as possible so they know to avoid opening any emails (most likely loaded with malware) that have come from you.
Yes, multi-factor authentication (or 2-factor authentication) adds another step to your login but it also adds another layer of protection. Enabling this will mean that in addition to your password, you will need a special one-time use code to log in. This can be sent to your mobile phone or alternatively, it may be generated via an authenticator app. So worthwhile!
It is not uncommon for hackers to modify your email settings so that a copy of every email you receive is automatically forwarded to them. Not only can they monitor your logins for other sites, but they’ll keep a watchful eye over any particularly juicy personal information. So, check your mail forwarding settings to ensure no unexpected email addresses have been added.
Don’t forget to check your email signature to ensure nothing spammy has been added. Also, ensure your ‘reply to’ email address is actually yours! Hackers have been known to create an email address here that looks similar to yours – when someone replies, it goes straight to their account, not yours!
This is essential also. If you find anything, please ensure it is addressed, and then change your email password again. And if you don’t have it – please invest. Comprehensive security software will provide you with a digital shield for your online life. McAfee+ lets you protect all your devices – including your smartphone – from viruses and malware. It also contains a password manager to help you remember and generate unique passwords for all your accounts.
If you have been hacked several times and your email provider isn’t mitigating the amount of spam you are receiving, then consider starting afresh but don’t delete your email address. Many experts warn against deleting email accounts as most email providers will recycle your old email address. This could mean a hacker could spam every site they can find with a ‘forgot my password’ request and try to impersonate you – identity theft!
Your email is an important part of your online identity so being vigilant and addressing any fallout from hacking is essential for your digital reputation. And even though it may feel that ‘getting hacked’ is inevitable, you can definitely reduce your risk by installing some good quality security software on all your devices. Comprehensive security software such as McAfee+ will alert you when visiting risky websites, warn you when a download looks ‘dodgy’, and will block annoying and dangerous emails with anti-spam technology.
It makes sense really – if you don’t receive the ‘dodgy’ phishing email – you can’t click on it! Smart!
And finally, don’t forget that hackers love social media – particularly those of us who overshare on it. So, before you post details of your adorable new kitten, remember it may just provide the perfect clue for a hacker trying to guess your email password!
Till next time
Alex
The post What to Do If Your Email Is Hacked appeared first on McAfee Blog.
There are now over 5 billion active social media users worldwide, representing 62.3% of the global population. While social networks serve as valuable tools for staying connected with loved ones and documenting life events, the ease of sharing information raises concerns. With a mere few clicks, posts and messages can inadvertently divulge significant personal details, potentially compromising privacy and leaving individuals vulnerable to identity theft. That’s why it’s crucial to make sure you’ve got the know-how to keep your privacy protected while using these platforms.
To empower you in this digital age, we’ve compiled a comprehensive guide featuring ten essential tips to fortify your online security and preserve your privacy on social networks:
Whether you’re a seasoned social media user or just dipping your toes into the digital waters, these strategies will equip you with the knowledge and tools needed to safeguard your online identity effectively. With the added support of McAfee+, you can ensure an extra layer of security to keep your online presence more secure and private through advanced privacy features, 24/7 identity monitoring and alerts, and real-time protection against viruses, hackers, and risky links.
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It used to be the case that only businesses used virtual private networks (VPNs) to connect securely to the internet and keep their private data safe. But these days, with the rapid growth of online threats and privacy concerns, even casual internet users should seriously consider using a VPN. Nearly 30% of people now use VPNs for personal reasons, and that number is only growing as more people learn about how VPNs offer an effective way to safeguard online privacy, enhance security, and protect against various cyber threats.
If you are not familiar with this technology, a VPN essentially allows you to send and receive data across a public network as if it were a private network that encrypts, or scrambles, your information so others cannot read it. Let’s take a look at the top 3 reasons why a VPN could come in handy for you.
Now that you know why having a personal VPN is so useful, here are a few tips to help you choose the right product for you:
The post Why You Need a Personal VPN appeared first on McAfee Blog.
How do you manage your Facebook friends? Do you keep your list really tight and only include ‘active’ pals? Or do you accept everyone you’ve ever laid eyes on? I’m probably somewhere in between. But… if I have never had a personal conversation with them or ‘eyeballed’ them in the flesh, then they are not on my friend list!
On the average week, I usually receive a few friend requests. Some are from people who I may have just met or reconnected with when I’ve been out and about – lovely and totally acceptable! But I do also receive requests from people whom I have never met and then, even more bizarrely – requests from people who I am already friends with. Weird, yes, I agree! Now, my gut (and experience) tells me that these are fake accounts. Why? Well, I have never eyeballed any of these ‘new friends’ and, to top it off they have very little personal info on their profiles so that’s suspicious! And the requests from friends I already have? Well, unless I have heard directly from a friend that they are setting up a new Facebook account (very rare), these are likely fake accounts that scammers have set up to try and lure people known to the account holder to share private information. I recently mentioned my Facebook friend situation to my 20-year-old son who informed me he gets about 10 a week!
And while it can be annoying being harassed by randoms – as my kids would say – the issue is far bigger than that. Fake Facebook accounts are usually designed by clever cyber criminals who are trying to extract personal information from unsuspecting naive types – often kids and less tech-savvy types. And why do they want our personal information? It allows them to put together a profile that they can use to steal our identity so they can apply for loans, mobile phone plans, etc – but we’ll get to that later.
According to reports, Facebook deleted a whopping 27.67 billion fake accounts between October 2017 and mid 2023 – which is 3.5 times more than the total population of the entire planet! In early 2023, Facebook estimated that fake accounts represent approximately 4-5% of all active monthly users. Now, as of late 2023, there are over 3 billion active Facebook users which means there are around 150 million fake Facebook accounts. So, it’s highly likely that you (and your kids) will have been affected.
Experts believe that fake accounts fall into two categories, being operated either by a bot (aka web robot) or by an ill-intentioned human. But irrespective of type, there are several warning signs that an account is fake. If the account in question displays any of these signs, then avoid it at all costs:
Beauty
Bots and scammers will use beauty to lure in ‘friends’ and will often feature a pic of a gorgeously attractive girl or handsome guy on their pages. Why? We are only human – an enticing photo dramatically increases the chance of having a friend request accepted.
But remember, ‘real people’ aren’t flawless and perfectly formed. But if you still aren’t sure, why not use Google Image search to verify the pic? As soon as you upload it to Google, you’ll quickly find if there is someone else that belongs to that image.
However, AI image generators are also making this a little more complicated. These easy-to-use tools make it super easy for scammers to create alluring vaguely realistic images within minutes. And as these images are new, it’s very hard to find any data about the image making it harder to identify that the photo is not of a real person. All the scammer needs to do is provide 3 or more photos and the tool quickly generates an often appealing. So, please lock down your personal social media platforms so that cyber hackers can’t get their hands on your pics!
Not Many Pics But Too Many/Not Enough Friends
Bots and scammers tend not to post lots of photos. Their aim is to use minimum effort to create the illusion that a real person is behind the account, so they don’t bother too much with fleshing out a personal life.
But often, they will put a lot of effort into developing a fake friend list. This is always worth looking at. ‘Real’ Facebook users will usually have between 200 and 350 friends, so if the account in question has just a handful of friends, or instead several thousand then proceed with caution!
Weird (or No) Bio Information
If the biography information on the account seems fanciful or just plain unrealistic, then it’s likely not to be a legitimate account. I recently received a request from a US marine who had fought in every recent war, was a professional athlete, and had visited 30-plus countries in the last year! This fanciful detail had my alarm bells ringing and a reverse image search proved just that!
A lack of information in the About section is another red flag. ‘Real people’ usually like to enter their accomplishments and the schools/universities they attended in detail so they can connect more easily with old friends.
Sometimes scammers might attempt to flesh out this section by simply repeating a theme or city. For example: Works in Sydney, went to The University of Sydney, Lives in Sydney. And while it’s not a crime to work, live and study in Sydney – I did! – this coupled with an alluring picture and no friends does start to make you question the validity of the profile.
The Account Doesn’t Message
Bots can easily accept friend requests but can’t respond to messages. So, if you are unsure this is a great little test – just send a message and see what you get back!
Blank Wall
Blank walls are a dead giveaway for a fake account. If your possible ‘new friend’ has either no activity or just a few likes – then be suspicious!
The Account Name Doesn’t Match the URL
If the account name and URL don’t match then this is another red flag. When a genuine person’s Facebook account is hacked, a scammer (or new owner) may change the name on the account to better suit their new intentions. It’s important to note that stolen Facebook accounts can be bought and sold. For example, an account could be taken over by a scammer and then sold to someone who wants to become an influencer. The new owner, the influencer, has no need for the previous identity but simply wants the legitimacy (and friend list) of an established account.
As mentioned earlier, cyber hackers (or scammers) create fake Facebook accounts with the aim of trying to friend people and get access to their personal information. Identity theft is their motivation. They can profit from this private information by personally taking out loans or credit cards in someone else’s name. Or – and this is more likely – they on-sell the information so others can do so.
But fake Facebook accounts can also be created just to make money. Buying and selling Facebook fans is a multimillion-dollar business, as both companies and individuals pay big money to get fans and likes on their pages. And with the software to create these fake Facebook pages costing no more than $200, you can see how easily profits can be made.
What To Do If You Are Sure A Facebook Account Is Fake
Lastly, do NOT insist your kids delete their Facebook accounts because of the threat of fake accounts. Managing fake accounts is just part of living in our digital world. Our job is to teach our kids how to think critically so they can navigate the challenges of being online. Our biggest job as parents of digital natives is to teach them how to assess risks and navigate the challenges and obstacles. Whoever thought discussing a fake Facebook account could have so many benefits!
Take care.
Alex xx
The post How To Spot A Fake Facebook Account appeared first on McAfee Blog.
From impersonating police officers in Pennsylvania to employees of the City of San Antonio, scammers have been impersonating officials nationwide in order to scam people. A nurse in New York even lost her life savings to a spoofing scam. Phone spoofing is a technique used by callers to disguise their true identity and phone number when making calls. By altering the caller ID information displayed on the recipient’s phone, spoofers can make it appear as though the call is coming from a different number, often one that looks more trustworthy or familiar to the recipient. This deceptive practice is commonly employed by telemarketers, scammers, and individuals seeking to engage in fraudulent activities, making it more difficult for recipients to identify and block unwanted or suspicious calls.
Most spoofing is done using a VoIP (Voice over Internet Protocol) service or IP phone that uses VoIP to transmit calls over the internet. VoIP users can usually choose their preferred number or name to be displayed on the caller ID when they set up their account. Some providers even offer spoofing services that work like a prepaid calling card. Customers pay for a PIN code to use when calling their provider, allowing them to select both the destination‘s number they want to call, as well as the number they want to appear on the recipient’s caller ID.
Scammers often use spoofing to try to trick people into handing over money, personal information, or both. They may pretend to be calling from a bank, a charity, or even a contest, offering a phony prize. These “vishing” attacks (or “voice phishing”), are quite common, and often target older people who are not as aware of this threat.
For instance, one common scam appears to come from the IRS. The caller tries to scare the receiver into thinking that they owe money for back taxes, or need to send over sensitive financial information right away. Another common scam is fake tech support, where the caller claims to be from a recognizable company, like Microsoft, claiming there is a problem with your computer and they need remote access to fix it.
There are also “SMiShing” attacks, or phishing via text message, in which you may receive a message that appears to come from a reputable person or company, encouraging you to click on a link. But once you do, it can download malware onto your device, sign you up for a premium service, or even steal your credentials for your online accounts.
The convenience of sending digital voice signals over the internet has led to an explosion of spam and robocalls over the past few years. Between January 2019 and September 2023, Americans lodged 2.04 million complaints about unwanted phone calls where people or robots falsely posed as government representatives, legitimate business entities, or people affiliated with them.
Since robocalls use a computerized autodialer to deliver pre-recorded messages, marketers and scammers can place many more calls than a live person ever could, often employing tricks such as making the call appear to come from the recipient’s own area code. This increases the chance that the recipient will answer the call, thinking it is from a local friend or business.
And because many of these calls are from scammers or shady marketing groups, just registering your number on the FTC’s official “National Do Not Call Registry” does little help. That’s because only real companies that follow the law respect the registry.
To really cut back on these calls, the first thing you should do is check to see if your phone carrier has a service or app that helps identify and filter out spam calls.
For instance, both AT&T and Verizon have apps that provide spam screening or fraud warnings, although they may cost you extra each month. T-Mobile warns customers if a call is likely a scam when it appears on your phone screen, and you can sign up for a scam-blocking service for free.
There are also third-party apps such as RoboKiller that you can download to help you screen calls, but you should be aware that you will be sharing private data with them.
Enhance your smartphone security effortlessly with McAfee+ which has 24/7 identity monitoring and alerts, advanced privacy features, and AI-powered security for real-time protection against viruses, hackers, and risky links.
The post How to Stop Phone Spoofing appeared first on McAfee Blog.
Fitness trackers worn on the wrist, glucose monitors that test blood sugar without a prick, and connected toothbrushes that let you know when you’ve missed a spot—welcome to internet-connected healthcare. It’s a new realm of care with breakthroughs big and small. Some you’ll find in your home, some you’ll find inside your doctor’s office, yet all of them are connected. Which means they all need to be protected. After all, they’re not tracking any old data. They’re tracking our health data, one of the most precious things we own.
Internet-connected healthcare, also known as connected medicine, is a broad topic. On the consumer side, it covers everything from smart watches that track health data to wireless blood pressure monitors that you can use at home. On the practitioner side, it accounts for technologies ranging from electronic patient records, network-enabled diagnostic devices, remote patient monitoring in the form of wearable devices, apps for therapy, and even small cameras that can be swallowed in the form of a pill to get a view of a patient’s digestive system.
Additionally, it also includes telemedicine visits, where you can get a medical issue diagnosed and treated remotely via your smartphone or computer by way of a video conference or a healthcare provider’s portal—which you can read about more in one of my blogs. In all, big digital changes are taking place in healthcare—a transformation that’s rapidly taking shape to the tune of a global market expected to top USD 534.3 billion by 2025.
Advances in digital healthcare have come more slowly compared to other aspects of our lives, such as consumer devices like phones and tablets. Security is a top reason why. Not only must a healthcare device go through a rigorous design and approval process to ensure it’s safe, sound, and effective, but it’s also held to similar rigorous degrees of regulation when it comes to medical data privacy. For example, in the U.S., we have the Health Insurance Portability and Accountability Act of 1996 (HIPAA), which sets privacy and security standards for certain health information.
Taken together, this requires additional development time for any connected medical device or solution, in addition to the time it takes to develop one with the proper efficacy. Healthcare device manufacturers cannot simply move as quickly as, say, a smartphone manufacturer can. And rightfully so.
However, for this blog, we’ll focus on the home and personal side of the equation, with devices like fitness trackers, glucose monitors, smartwatches, and wearable devices in general—connected healthcare devices that more and more of us are purchasing on our own. To be clear, while these devices may not always be categorized as healthcare devices in the strictest (and regulatory) sense, they are gathering your health data, which you should absolutely protect. Here are some straightforward steps you can take:
1) First up, protect your phone
Many medical IoT devices use a smartphone as an interface, and as a means of gathering, storing, and sharing health data. So whether you’re an Android owner or iOS owner, get security software installed on your phone so you can protect all the things it accesses and controls. Additionally, installing it will protect you and your phone in general as well.
2) Set strong, unique passwords for your medical IoT devices
Some IoT devices have found themselves open to attack because they come with a default username and password—which are often published on the internet. When you purchase any IoT device, set a fresh password using a strong method of password creation. And keep those passwords safe. Instead of keeping them in a notebook or on sticky notes, consider using a password manager.
3) Use two-factor authentication
You’ve probably come across two-factor authentication while banking, shopping, or logging into any other number of accounts. Using a combination of your username, password, and a security code sent to another device you own (typically a mobile phone) makes it tougher for hackers to crack your device. If your IoT device supports two-factor authentication, use it for extra security.
4) Update your devices regularly
This is vital. Make sure you have the latest updates so that you get the latest functionality from your device. Equally important is that updates often contain security upgrades. If you can set your device to receive automatic updates, do so.
5) Secure your internet router
Your medical IoT device will invariably use your home Wi-Fi network to connect to the internet, just like your other devices. All the data that travels on there is personal and private, and that goes double for any health data that passes along it. Make sure you use a strong and unique password. Also, change the name of your router so it doesn’t give away your address or identity. One more step is to check that your router is using an encryption method, like WPA2, which will keep your signal secure. You may also want to consider investing in an advanced internet router that has built-in protection, which can secure and monitor any device that connects to your network.
6) Use a VPN and a comprehensive security solution
Similar to the above, another way you can further protect the health data you send over the internet is to use a virtual private network, or VPN. A VPN uses an encrypted connection to send and receive data, which shields it from prying eyes. A hacker attempting to eavesdrop on your session will effectively see a mishmash of garbage data, which helps keep your health data secure.
7) When purchasing, do your research
Read up on reviews and comments about the devices you’re interested in, along with news articles about their manufacturers. See what their track record is on security, such as if they’ve exposed data or otherwise left their users open to attack.
Bottom line, when we speak of connected healthcare, we’re ultimately speaking about one of the most personal things you own: your health data. That’s what’s being collected. And that’s what’s being transmitted by your home network. Take these extra measures to protect your devices, data, and yourself as you enjoy the benefits of the connected care you bring into your life and home.
The post How to Protect Your Internet-Connected Healthcare Devices appeared first on McAfee Blog.
In the hands of a thief, your Social Security Number is the master key to your identity.
With a Social Security Number (SSN), a thief can unlock everything from credit history and credit line to tax refunds and medical care. In extreme cases, thieves can use it to impersonate others. So, if you suspect your number is lost or stolen, it’s important to report identity theft to Social Security right away.
Part of what makes an SSN so powerful in identity theft is that there’s only one like it. Unlike a compromised credit card, you can’t hop on the phone and get a replacement. No question, the theft of your SSN has serious implications. If you suspect it, report it. So, let’s take a look at how it can happen and how you can report identity theft to Social Security if it does.
Yes. Sort of. The Social Security Administration can assign a new SSN in a limited number of cases. However, per the SSA, “When we assign a different Social Security number, we do not destroy the original number. We cross-refer the new number with the original number to make sure the person receives credit for all earnings under both numbers.”
In other words, your SSN is effectively for forever, which means if it’s stolen, you’re still faced with clearing up any of the malicious activity associated with the theft potentially for quite some time. That’s yet another reason why the protection of your SSN deserves particular attention.
There are several ways an SSN can end up with a thief. Some involve physical theft, and others can take the digital route. To what extent are SSNs at risk? Notably, there was the Equifax breach of 2017, which exposed some 147 million SSNs. Yet just because an SSN has been potentially exposed does not mean that an identity crime has been committed with it.
So, let’s start with the basics: how do SSNs get stolen or exposed?
That’s quite the list. Broadly speaking, the examples above give good reasons for keeping your SSN as private and secure as possible. With that, it’s helpful to know that there are only a handful of situations where your SSN is required for legitimate purposes, which can help you make decisions about how and when to give it out. The list of required cases is relatively short, such as:
You’ll notice that places like doctor’s offices and other businesses are not listed here, though they’ll often request an SSN for identification purposes. While there’s no law preventing them from asking you for that information, they may refuse to work with you if you do not provide that info. In such cases, ask what the SSN would be used for and if there is another form of identification that they can use instead. In all, your SSN is uniquely yours, so be extremely cautious in order to minimize its potential exposure to theft.
Let’s say you spot something unusual on your credit report or get a notification that someone has filed a tax return on your behalf without your knowledge. These are possible signs that your identity, if not your SSN, is in jeopardy, which means it’s time to act right away using the steps below:
1. Report the theft to local and federal authorities.
File a police report and a Federal Trade Commission (FTC) Identity Theft Report. This will help in case someone uses your Social Security number to commit fraud since it will provide a legal record of the theft. The FTC can also assist by guiding you through the identity theft recovery process as well. Their site really is an excellent resource.
2. Contact the businesses involved.
Get in touch with the fraud department at each of the businesses where you suspect theft has taken place, let them know of your situation, and follow the steps they provide. With your police and FTC reports, you will already have a couple of vital pieces of information that can help you clear your name.
3. Reach the Social Security Administration and the IRS.
Check your Social Security account to see if someone has gotten a job and used your SSN for employment purposes. Reviewing earnings associated with your SSN can uncover fraudulent use. You can also contact the Social Security Fraud Hotline at (800) 269-0271 or reach out to your local SSA office for further, ongoing assistance. Likewise, contact the Internal Revenue Service at (800) 908-4490 to report the theft and help prevent someone from submitting a tax return in your name.
As we’ve talked about in some of my other blog posts, identity theft can be a long-term problem where follow-up instances of theft can crop up over time. However, there are a few steps you can take to minimize the damage and ensure it doesn’t happen again. I cover several of those steps in detail in this blog here, yet let’s take a look at a few of the top items as they relate to SSN theft:
Consider placing a fraud alert.
By placing a fraud alert, you can make it harder for thieves to open accounts in your name. Place it with one of the three major credit bureaus (Experian, TransUnion, Equifax), and they will notify the other two. During the year-long fraud alert period, it will require businesses to verify your identity before issuing new credit in your name.
Look into an all-out credit freeze.
A full credit freeze is in place until you lift it and will prohibit creditors from pulling your credit report altogether. This can help stop thieves dead in their tracks since approving credit requires pulling a report. However, this applies to legitimate inquiries, including any that you make, like opening a new loan or signing up for a credit card. If that’s the case, you’ll need to take extra steps as directed by the particular institution or lender. Unlike the fraud alert, you’ll need to notify each of the three major credit bureaus (Experian, TransUnion, Equifax) when you want the freeze lifted.
Monitor your credit reports.
Once a week you can access a free credit report from Experian, TransUnion, and Equifax. Doing so will allow you to spot any future discrepancies and offer you options for correcting them.
Sign up for an identity protection service.
Using a service to help protect your identity can monitor several types of personally identifiable information and alert you of potentially unauthorized use. Our own Identity Protection Service will do all this and more, like offering guided help to neutralize threats and prevent theft from happening again. You can set it up on your computers and smartphone to stay in the know, address issues immediately, and keep your identity secured.
Of all the forms of identity theft, the theft of a Social Security Number is certainly one of the most potentially painful because it can unlock so many vital aspects of your life. It’s uniquely you, even more than your name alone – at least in the eyes of creditors, banks, insurance companies, criminal records, etc. Your SSN calls for extra protection, and if you have any concerns that it may have been lost or stolen, don’t hesitate to spring into action.
The post How to Report Identity Theft to Social Security appeared first on McAfee Blog.
It’s the romance scam story that plays out like a segment on a true crime show. It starts with a budding relationship formed on an online dating site. It ends with an ominous note and an abandoned car on a riverside boat ramp hundreds of miles away from the victim’s home.
The story that follows offers a look at how far romance scams can go. With that, we warn you that this story comes to a grim ending. We share it to show just how high the stakes can get in these scams and how cunning the scammers who run them can be.
Most importantly, it gives us an opportunity to show how you can spot and avoid romance scams in all their forms.
As recently reported across several news outlets, comes the story of Laura, a 57-year-old retired woman from Chicago who joined an online dating service in search of a relationship. She went with a known site, thinking it would be safer than some of the other options online.
Sure enough, she met “Frank Borg,” who posed as a ruggedly good-looking Swedish businessman. A relationship flourished, and within days the pair professed their love for each other.
Over time, however, the messages became increasingly transactional. Transcripts show that “Frank” started asking for money, which Laura wired to a bogus company. All to the eventual tune of $1.5 million and a mortgaged home.
Yet the scam cut yet deeper than that. “Frank” then had her open several phony dating profiles on different online dating sites, set up new bank accounts, and further spin up fake companies. In all, “Frank” appears to not only have scammed Laura, he also weaponized her — turning her into an accomplice as “Frank” sought to scam others.
As the account goes, Laura grew suspicious about a year into the scam. A gap appears in her correspondence with “Frank,” and it appears that some conversations went offline. Today, Laura’s daughter speculates that her mother knew that what she was doing was illegal and was threatened to keep at it.
The story ends two years after the romance started, with Laura going missing, only to be found drowned in the Mississippi River. Left behind, a note, found by her daughter while searching Laura’s house. It wrote of living a double life that left her broke because of “Frank.” The note also left instructions for accessing her email, which chronicled the online part of the affair in detail.
Investigations found no clear evidence of foul play, yet several questions remain. What is known is that “Frank’s” profile picture was a doctor from Chile and that the emails originated in Ghana.
While Laura’s story falls into a heartbreaking extreme, romance scams of all sorts happen often enough. According to the Federal Bureau of Investigation’s (FBI) 2023 Internet Crime Report, losses to reported cases of romance scams topped more than $650 million.i
The U.S. Federal Trade Commission (FTC) cites even higher figures for 2023, at $1.4 billion, for a median loss of $2,000 per reported case.ii That makes romance scams the highest in reported losses for any form of imposter scam according to the FTC.
Sadly, many romance scams go unreported. The reasons vary. Understandably, some victims feel ashamed. This is particularly the case when it comes to older victims. Many fear their friends and families might take it as a sign that they aren’t able to fully care for themselves anymore. Other victims might feel that the romance was real — that they weren’t scammed at all. They believe that their love interest will come back.
Practically anyone can fall victim to a romance scam. People of all ages and backgrounds have found themselves entangled in romance scams. With that, there should be no shame. These scammers have shown time and time again how sophisticated their playbooks are. They excel at slow and insidious manipulation over time.
When the scammer starts asking for money, the victim is locked in. They believe that they’re in love with someone who loves them just the same. They fork over the money without question. And that’s what makes these scams so exceptionally damaging.
Sophisticated as these scammers are, you can spot them.
Even with the arrival of AI chat tools and deepfake technology, romance scammers still rely on a set of age-old tricks. Ultimately, romance scammers play long and patient mind games to get what they want. In many cases, scammers use scripted playbooks put together by other scammers. They follow a common roadmap, one that we can trace and share so you can avoid falling victim.
Top signs include …
It seems too good to be true.
If the person seems like a perfect match right from the start, be cautious. Scammers often stake out their victims and create profiles designed to appeal to their desires and preferences. In some cases, we’ve seen instances where a scammer uses pictures and profiles similar to the deceased partners of widowers.
Love comes quickly. Too quickly.
As the case was with “Frank,” two weeks hadn’t passed before the word “love” appeared in the messages. Take that as a red flag, particularly online when you’ve had no in-person contact with them. A rush into declarations of love might indicate ulterior motives.
The story doesn’t check out.
Victims might think they’re talking to a romantic partner, yet they’re talking with a scammer. Sometimes several different scammers. As we’ve shown in our blogs before, large online crime organizations run some romance scams. With several people running the scam, inconsistencies can crop up. Look out for that.
What’s more, even individual scammers forget details they’ve previously shared or provide conflicting info about their background, job, or family. It’s possible that one romance scammer has several scams going on at once, which can lead to confusion on their part.
You feel pressured.
Romance scammers pump their victims for info. With things like addresses, phone numbers, and financial details, scammers use that info to commit further identity theft or scams. If someone online presses you for this info, keep it to yourself. It might be a scam.
Another mark of a scam — if the person asks all sorts of prying questions and doesn’t give up any such info about themselves. A romance scam is very one way in this regard.
You’re asked for money in some form or fashion.
This is the heart of the scam. With the “relationship” established, the scammer starts asking for money. They might ask for bank transfers, cryptocurrency, money orders, or gift cards. In all, they ask for funds that victims have a tough time getting refunded, if at all. Consider requests for money in any form as the reddest of red flags.
Watch out for AI.
Scammers now use AI. And that actually gives us one less tell-tale sign of a romance scam. It used to be that romance scammers refused to hop on video calls as they would reveal their true identities. The same for voice chats. (Suddenly, that Swedish businessman doesn’t sound so Swedish.) That’s not the case anymore. With AI audio and video deepfake technology so widely available, scammers can now sound and look the part they’re playing — in real time. AI mirrors every expression they make as they chat on a video call.
As things stand now, these technologies have limits. The AI can only track faces, not body movements. Scammers who use this technology must sit rather rigidly. Further, many AI tools have a hard time capturing the way light reflects or catches the eye. If something looks off, the person on the other end of the call might be using deepfake technology.
The important point is this: today’s romance scammers can make themselves appear like practically anyone. Just because you’re chatting with a “real” person on a call or video meeting, that’s no guarantee they are who they say.
Romance scammers track down their victims in several ways. Some scammers blast out direct messages and texts en masse with the hope they’ll get a few bites. Others profile their potential victims before they contact them. Likewise, they’ll research anyone who indeed gives them a bite with a response to a blast.
In all cases, locking down your privacy can make it tougher for a scammer to target you. And tougher for them to scam you if they do. Your info is their goldmine, and they use that info against you as they build a “relationship” with you.
With that in mind, you can take several steps …
Make your social media more private. Our new McAfee Social Privacy Manager personalizes your privacy based on your preferences. It does the heavy lifting by adjusting more than 100 privacy settings across your social media accounts in only a few clicks. This makes sure that your personal info is only visible to the people you want to share it with. It also keeps it out of search engines where the public can see it. Including scammers.
Watch what you post on public forums. As with social media, scammers harvest info from online forums dedicated to sports, hobbies, interests, and the like. If possible, use a screen name on these sites so that your profile doesn’t immediately identify you. Likewise, keep your personal details to yourself. When posted on a public forum, it becomes a matter of public record. Anyone, including scammers, can look it up.
Remove your info from data brokers that sell it. McAfee Personal Data Cleanup helps you remove your personal info from many of the riskiest data broker sites out there. That includes your contact info. Running it regularly can keep your name and info off these sites, even as data brokers collect and post new info. Depending on your plan, it can send requests to remove your data automatically.
Delete your old accounts. Yet another source of personal info comes from data breaches. Scammers use this info as well to complete a sharper picture of their potential victims. With that, many internet users can have over 350 online accounts, many of which they might not know are still active. McAfee Online Account Cleanup can help you delete them. It runs monthly scans to find your online accounts and shows you their risk level. From there, you can decide which to delete, protecting your personal info from data breaches and your overall privacy as a result.
We’ve always had to keep our guard up to some extent when it comes to online romance. Things today call for even more skepticism. Romance scams have become tremendously more sophisticated, largely thanks to AI tools.
Even with technology reshaping the tricks scammers can pull, recognizing that their tactics remain the same as ever can protect you from harm.
Romance scammers flatter, manipulate, and pressure their way into the lives of their victims. They play off emotions and threaten to “leave” if they don’t get what they ask for. Emotionally, none of it feels right. Any kind of emotional extortion like that is a sign to end an online relationship, hard as that might be.
The trick is that the victim might be in deep at that point. They might not act even if things feel wrong. That’s where family and friends come in. If something doesn’t feel right, share what’s happening with someone you’ve known and trusted for years. That can help clear up any clouded judgment. Sometimes it takes an extra set of eyes to spot a scammer.
If you or someone you know falls victim to a romance scam, remember that no one is alone in this. Thousands and thousands of others are victims too. It might come as some comfort, particularly as many, many victims are otherwise savvy and centered people. Anyone, anyone, can find themselves a victim.
Lastly, romance scams are crimes. If one happens to you, report it. In the U.S., you can report it to the FBI’s Internet Crime Complaint Center (IC3) and you can file a complaint with the FTC. Also, report any theft or threats to your local authorities.
In all, the word on romance online is this — take things slowly. “Love” in two weeks or less hoists a big red flag. Very much so online. Know those signs of a scam when you see them. And if they rear their head, act on them.
The post How to Avoid Romance Scams appeared first on McAfee Blog.
You consider yourself a responsible person when it comes to taking care of your physical possessions. You’ve never left your wallet in a taxi or lost an expensive ring down the drain. You never let your smartphone out of your sight, yet one day you notice it’s acting oddly.
Did you know that your device can fall into cybercriminals’ hands without ever leaving yours? SIM swapping is a method that allows criminals to take control of your smartphone and break into your online accounts.
Don’t worry: there are a few easy steps you can take to safeguard your smartphone from prying eyes and get back to using your devices confidently.
First off, what exactly is a SIM card? SIM stands for subscriber identity module, and it is a memory chip that makes your phone truly yours. It stores your phone plan and phone number, as well as all your photos, texts, contacts, and apps. In most cases, you can pop your SIM card out of an old phone and into a new one to transfer your photos, apps, etc.
Unlike what the name suggests, SIM swapping doesn’t require a cybercriminal to get access to your physical phone and steal your SIM card. SIM swapping can happen remotely. A hacker, with a few important details about your life in hand, can answer security questions correctly, impersonate you, and convince your mobile carrier to reassign your phone number to a new SIM card. At that point, the criminal can get access to your phone’s data and start changing your account passwords to lock you out of your online banking profile, email, and more.
SIM swapping was especially relevant right after the AT&T data leak. Cybercriminals stole millions of phone numbers and the users’ associated personal details. They could later use these details to SIM swap, allowing them to receive users’ text or email two-factor authentication codes and gain access to their personal accounts.
The most glaring sign that your phone number was reassigned to a new SIM card is that your current phone no longer connects to the cell network. That means you won’t be able to make calls, send texts, or surf the internet when you’re not connected to Wi-Fi. Since most people use their smartphones every day, you’ll likely find out quickly that your phone isn’t functioning as it should.
Additionally, when a SIM card is no longer active, the carrier will often send a notification text. If you receive one of these texts but didn’t deactivate your SIM card, use someone else’s phone or landline to contact your wireless provider.
Check out these tips to keep your device and personal information safe from SIM swapping.
With just a few simple steps, you can feel better about the security of your smartphone, cellphone number, and online accounts. If you’d like extra peace of mind, consider signing up for an identity theft protection service like McAfee+. McAfee, on average, detects suspicious activity ten months earlier than similar monitoring services. Time is of the essence in cases of SIM swapping and other identity theft schemes. An identity protection partner can restore your confidence in your online activities.
The post How to Protect Your Smartphone from SIM Swapping appeared first on McAfee Blog.
For years now, the popularity of online dating has been on the rise—and so have the number of online romance scams that leave people with broken hearts and empty wallets.
In a recent CBS News story, one Texan woman was scammed out of $3,200 by a scammer claiming to be a German Cardiologist. After months of exchanging messages and claiming to be in love with her, he said that he’d been robbed while on a business trip in Nigeria and needed her help.
According to the U.S. Federal Trade Commission (FTC), the reported cost of online romance scams was $1.14 billion in 2023.
Dating and romance scams aren’t limited to online dating apps and sites, they’ll happen on social media and in online games as well. However, the FTC reports that the scam usually starts the same way, typically through an unexpected friend request or a message that comes out of the blue.
With the phony relationship established, the scammer starts asking for money. The FTC reports that they’ll ask for money for several bogus reasons, usually revolving around some sort of hardship where they need a “little help” so that they can pay:
The list goes on, yet that’s the general gist. Scammers often employ a story with an intriguing complication that seems just reasonable enough, one where the romance scammer makes it sound like they could really use the victim’s financial help.
People who have filed fraud reports say they’ve paid their scammer in a few typical ways.
One is by wiring money, often through a wire transfer company. The benefit of this route, for the scammer anyway, is that this is as good as forking over cash. Once it’s gone, it’s gone. The victim lacks the protections they have with other payment forms, such as a credit card that allows the holder to cancel or contest a charge.
Another way is through gift cards. Scammers of all stripes, not just romance scammers, like these because they effectively work like cash, whether it’s a gift card for a major online retailer or a chain of brick-and-mortar stores. Like a wire transfer, once that gift card is handed over, the money on it is highly difficult to recover, if at all.
One more common payment is through reloadable debit cards. A scammer may make an initial request for such a card and then make several follow-on requests to load it up again.
In all, a romance scammer will typically look for the easiest payment method that’s the most difficult to contest or reimburse, leaving the victim in a financial lurch once the scam ends.
When it comes to meeting new people online, the FTC suggests the following:
Scammers, although arguably heartless, are still human. They make mistakes. The stories they concoct are just that. Stories. They may jumble their details, get their times and dates all wrong, or simply get caught in an apparent lie. Also, keep in mind that some scammers may be working with several victims at once, which is yet another opportunity for them to get confused and slip up.
As mentioned above, some romance scammers troll social media and reach out through direct messages or friend requests. With that, there are three things you can do to cut down your chances of getting caught up with a scammer:
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting, which can help protect your privacy and give a romance scammer less information to exploit.
Be critical of the invitations you receive. Out-and-out strangers could be more than a romance scammer, they could be a fake account designed to gather information on users for purposes of cybercrime, or they can be an account designed to spread false information. There are plenty of them too. In fact, in Q4 of 2023 alone, Facebook took action on 693 million fake accounts. Reject such requests.
Online protection software like ours can help you spot fakes and scams. Features like McAfee Scam Protection use advanced AI to detect scam links in texts, email, and social media messages before you click. Our Personal Data Cleanup can keep you safer still by removing your personal info from sketchy data broker sites — places where scammers go to harvest useful info on their victims. And if the unfortunate happens, we offer $2 million in identity theft coverage and identity restoration support.
If you suspect that you’re being scammed, put an end to the relationship and report it, as difficult as that may feel.
Notify the FTC at ReportFraud.ftc.gov for support and next steps to help you recover financially as much as possible. Likewise, notify the social media site, app, or service where the scam occurred as well. In some cases, you may want to file a police report, which we cover in our broader article on identity theft and fraud.
If you sent funds via a gift card, the FTC suggests filing a claim with the company as soon as possible. They offer further advice on filing a claim here, along with a list of contact numbers for gift card brands that scammers commonly use.
Lastly, go easy on yourself. If you find yourself a victim of online dating or romance fraud, know that you won’t be the first or last person to be taken advantage of this way. By reporting your case, you in fact may help others from falling victim too.
The post How to Spot Dating Scams appeared first on McAfee Blog.
According to reports from the Federal Trade Commission’s Consumer Sentinel database, text message scams swindled $372 million from Americans in 2023 alone. The staggering figure highlights a growing concern for consumers globally, who increasingly interact with brands and service providers via text, email, and even social media. As our reliance on technology continues, it is important for everyone to understand how to spot scam texts amid the real messages they receive. amid the real messages they receive.
With such frequent communication from brands and organizations, you can be hard-pressed to figure out what is a scam or not. This practical and actionable advice may be able to help you spot the imposters and protect yourself against even the most hard-to-identify scam messages.
Most of us probably avoid reading disclaimers and terms of service from brands and organizations. Paying attention to guidelines for how an organization will contact you will help you stay safe from scams. Just take it from entertainment host, Andy Cohen.
Cohen received an email he thought was from his bank’s fraud department. Later, the scammer texted Cohen claiming to be from the bank, asking for more information. Cohen ended up sending the scammer money because he believed they were a bank representative. These days, many banks and brands have FYIs on their website about how to spot a legitimate text. Like this page from Chase, which goes over what a real Chase text looks like.
We have a similar disclosure on our site. For example, our customer service teams will never request sensitive information such as social security numbers, PINs, or bank or payment details. As soon as you sign up for a new account, it’s a good idea to check for this sort of disclaimer and familiarize yourself with contact methods and the type of information organizations might request.
Scam messages are so successful because scammers make them look real. During the holidays, when shoppers are ready to leap at deals, scam messages can be hard to resist. With an increased volume of scam texts during major shopping seasons, it’s no wonder open rates can be as high as 98%.
Consumers can protect themselves against realistic-looking scam messages by verifying the source of the message. If an email hits your mobile inbox, click on the sender’s name to expand their full email address. Typical brand emails will have a “do not reply” somewhere in the address or an official “@branddomain.com” email address. Scam email addresses often appear as strings of gibberish.
If unsure whether a text from a company is real, log into your account directly to see if it reflects the overdue bill or extra store credit that the text message suggests.
Knowing about the latest cybersecurity trends is always good practice. Scammers change their tactics constantly. Text scams that were popular one year may be totally out of style the next time you get a scam message.
Individuals looking for a place to start can check out FTC, FBI, and CISA websites. Those agencies offer valuable insights about fraud trends and recommendations about how people can protect themselves. The Better Business Bureau (BBB) has an interactive scam tracking tool, and AARP provides tips for older Americans who may not be as in tune with the latest tech trends and tools.
Thankfully, the software designed to protect against scams evolves, as well. Consumers can turn to product suites that offer features like finding and removing personal info from sites that sell it, adjusting social media controls, and even providing alerts about suspicious financial transactions.
For scam texts, AI is here to help. McAfee Scam Protection uses AI to scan SMS text messages and alert you about unsafe links. Users can delete those messages without opening them, reducing the risk of compromise and removing any question about whether the message is fraudulent or for real.
The $372 million figure is a stark reminder of growing fraud. As we continue into the digital age, the threat of fraudulent communications from scammers looms. To safeguard against bad actors, consumers must be proactive. By paying attention to brand communication guidelines, verifying the source of messages, remaining educated, and using modern privacy and identity products, consumers can avoid scams before they start.
The post How to Tell If Your Text Message Is Real appeared first on McAfee Blog.
We’ve said it several times in our blogs — it’s tough knowing what’s real and what’s fake out there. And that’s absolutely the case with AI audio deepfakes online.
Bad actors of all stripes have found out just how easy, inexpensive, and downright uncanny AI audio deepfakes can be. With only a few minutes of original audio, seconds even, they can cook up phony audio that sounds like the genuine article — and wreak all kinds of havoc with it.
A few high-profile cases in point, each politically motivated in an election year where the world will see more than 60 national elections:
Yet deepfakes have targeted more than election candidates. Other public figures have found themselves attacked as well. One example comes from Baltimore County in Maryland, where a high school principal has allegedly fallen victim to a deepfake attack.
It involves an offensive audio clip that resembles the principal’s voice which was posted on social media, news of which spread rapidly online. The school’s union has since stated that the clip was an AI deepfake, and an investigation is ongoing.iii In the wake of the attack, at least one expert in the field of AI deepfakes said that the clip is likely a deepfake, citing “distinct signs of digital splicing; this may be the result of several individual clips being synthesized separately and then combined.”iv
And right there is the issue. It takes expert analysis to clinically detect if an audio clip is an AI deepfake.
Audio deepfakes give off far fewer clues, as compared to the relatively easier-to-spot video deepfakes out there. Currently, video deepfakes typically give off several clues, like poorly rendered hands and fingers, off-kilter lighting and reflections, a deadness to the eyes, and poor lip-syncing. Clearly, audio deepfakes don’t suffer any of those issues. That indeed makes them tough to spot.
The implications of AI audio deepfakes online present themselves rather quickly. In a time where general awareness of AI audio deepfakes lags behind the availability and low cost of deepfake tools, people are more prone to believe an audio clip is real. Until “at home” AI detection tools become available to everyday people, skepticism is called for.
Just as “seeing isn’t always believing” on the internet, we can “hearing isn’t always believing” on the internet as well.
The people behind these attacks have an aim in mind. Whether it’s to spread disinformation, ruin a person’s reputation, or conduct some manner of scam, audio deepfakes look to do harm. In fact, that intent to harm is one of the signs of an audio deepfake, among several others.
Listen to what’s actually being said. In many cases, bad actors create AI audio deepfakes designed to build strife, deepen divisions, or push outrageous lies. It’s an age-old tactic. By playing on people’s emotions, they ensure that people will spread the message in the heat of the moment. Is a political candidate asking you not to vote? Is a well-known public figure “caught” uttering malicious speech? Is Taylor Swift offering you free cookware? While not an outright sign of an AI audio deepfake alone, it’s certainly a sign that you should verify the source before drawing any quick conclusions. And certainly before sharing the clip.
Think of the person speaking. If you’ve heard them speak before, does this sound like them? Specifically, does their pattern of speech ring true or does it pause in places it typically doesn’t … or speak more quickly and slowly than usual? AI audio deepfakes might not always capture these nuances.
Listen to their language. What kind of words are they saying? Are they using vocabulary and turns of phrase they usually don’t? An AI can duplicate a person’s voice, yet it can’t duplicate their style. A bad actor still must write the “script” for the deepfake, and the phrasing they use might not sound like the target.
Keep an ear out for edits. Some deepfakes stitch audio together. AI audio tools tend to work better with shorter clips, rather than feeding them one long script. Once again, this can introduce pauses that sound off in some way and ultimately affect the way the target of the deepfake sounds.
Is the person breathing? Another marker of a possible fake is when the speaker doesn’t appear to breathe. AI tools don’t always account for this natural part of speech. It’s subtle, yet when you know to listen for it, you’ll notice it when a person doesn’t pause for breath.
It’s upon us. Without alarmism, we should all take note that not everything we see, and now hear, on the internet is true. The advent of easy, inexpensive AI tools has made that a simple fact.
The challenge that presents us is this — it’s largely up to us as individuals to sniff out a fake. Yet again, it comes down to our personal sense of internet street smarts. That includes a basic understanding of AI deepfake technology, what it’s capable of, and how fraudsters and bad actors put it to use. Plus, a healthy dose of level-headed skepticism. Both now in this election year and moving forward.
[iii] https://www.baltimoresun.com/2024/01/17/pikesville-principal-alleged-recording/
[iv] https://www.scientificamerican.com/article/ai-audio-deepfakes-are-quickly-outpacing-detection/
The post How to Spot AI Audio Deepfakes at Election Time appeared first on McAfee Blog.
Deepfake technology has certainly made everything far more complicated online. How do you know for sure what’s real? Can you actually trust anything anymore? Recently, a Hong Kong company lost A$40 million in a deepfake scam after an employee transferred money following a video call with a scammer who looked like his boss! Even Oprah and Taylor have been affected by deepfake scammers using them to promote dodgy online schemes. So, how do we get our heads around it, and just as importantly, how do we help our kids understand it? Don’t stress – I got you. Here’s what you need to know.
Deepfake technology is essentially photoshopping on steroids. It’s when artificial intelligence is used to create videos, voice imitations, and images of people doing and saying things they never actually did. The ‘deep’ comes from the type of artificial intelligence that is used – deep learning. Deep learning trains computers to process data and make predictions in the same way the human brain does.
When it first emerged around 2017, it was clunky and many of us could easily spot a deepfake however it is becoming increasingly sophisticated and convincing. And that’s the problem. It can be used to create great harm and disruption. Not only can it be used by scammers and dodgy operators to have celebrities promote their products, but it can also be used to undertake image abuse, create pornographic material, and manipulate the outcome of elections.
When deepfakes first emerged they were clunky because they used a type of AI model called Generative Adversarial Network (or GAN). This is when specific parts of video footage or pictures are manipulated, quite commonly the mouth. You may remember when Australian mining magnate Andrew Forest was ‘deepfake’ into spruiking for a bogus ‘get rich quick’ scheme. This deepfake used GAN – as they manipulated just his mouth.
But deepfakes are now even more convincing thanks to the use of a new type of generative AI called a diffusion model. This new technology means a deepfake can be created from scratch without having to even manipulate original content making the deepfake even more realistic.
Experts and skilled scammers were the only ones who really had access to this technology until 2023 when it became widely available. Now, anyone who has a computer or phone and the right app (widely available) can make a deepfake.
While it might take a novice scammer just a few minutes to create a deepfake, skilled hackers are able to produce very realistic deepfakes in just a few hours.
As I mentioned before, deepfakes are generated to either create harm or cause disruption. But a flurry of recent research is showing that creating deepfake pornographic videos is where most scammers are putting their energy. A recent study into deepfakes in 2023 found that deepfake pornography makes up a whopping 98% of all deepfake videos found online. And not surprisingly, 99% of the victims are women. The report also found that it now takes less than 25 minutes and costs nothing to create a 60-second deepfake pornographic video of anyone using just one clear face image! Wow!!
Apart from pornography, they are often used for election tampering, identity theft, scam attempts and to spread fake news. In summary, nothing is off limits!
The ability to spot a deepfake is something we all need, given the potential harm they can cause. Here’s what to look out for:
There are two main ways you could be affected by deepfakes. First, as a victim e.g. being ‘cast’ in a deepfake pornographic video or photo. Secondly, by being influenced by a deepfake video that is designed to create harm e.g. scam, fake news, or even political disinformation.
But the good news is that protecting yourself from deepfake technology is not dissimilar to protecting yourself from general online threats. Here are my top tips:
Be Careful What You Share
The best way to protect yourself from becoming a victim is to avoid sharing anything online at all. I appreciate that this perhaps isn’t totally realistic so instead, be mindful of what and where you share. Always have privacy settings set to the highest level and consider sharing your pics and videos with a select group instead of with all your online followers. Not only does this reduce the chances of your pictures making their way into the hands of deepfake scammers but it also increases the chance of finding the attacker if someone does in fact create a deepfake of you.
Consider Watermarking Photos
If you feel like you need to share pics and videos online, perhaps add a digital watermark to them. This will make it much harder for deepfake creators to use your images as it is a more complicated procedure that could possibly be traceable.
Be Cautiously Suspicious Always
Teach your kids to never assume that everything they see online is true or real. If you always operate with a sceptical mindset, then there is less of a chance that you will be caught up in a deepfake scam. If you find a video or photo that you aren’t sure about, do a reverse image search. Or check to see if it’s covered by trusted news websites, if it’s a news video. Remember, if what the person in the video is saying or doing is important, the mainstream news media will cover it. You can always fact check what the ‘person’ in the video is claiming as well.
Use Multi-Factor Authentication
Adding another layer of security to all your online accounts will make it that much harder for a deepfake creator to access your accounts and use your photos and videos. Multi-factor authentication or 2-factor authentication means you simply add an extra step to your login process. It could be a facial scan, a code sent to your smartphone, or even a code generated on an authenticator app like Google Authenticator. This is a complete no-brainer and probably adds no more than 30 seconds to the logging in process.
Keep Your Software Updated
Yes, this can make a huge difference. Software updates commonly include ‘patches’ or fixes for security vulnerabilities. So, if your software is out of date, it’s a little like having a broken window and then wondering why people can still get in! I recommend turning on automatic updates, so you don’t have to think about it.
Passwords Are Key
A weak password is also like having a broken window – it’s so much easier for deepfake scammers to access your accounts and your pics and videos. I know it seems like a lot of work but if every one of your online accounts has its own complex and individual password then you have a much greater chance of keeping the deepfake scammers away!
So, be vigilant, always think critically, and remember you can report deepfake content to your law enforcement agency. In the US, that’s the FBI and in Australia, it is the eSafety Commissioner’s Office.
Stay safe all!
Alex
The post How To Teach Your Kids About Deepfakes appeared first on McAfee Blog.
Imagine receiving a call from a loved one, only to discover it’s not them but a convincing replica created by voice cloning technology. This scenario might sound like something out of a sci-fi movie, but it became a chilling reality for a Brooklyn couple featured in a New Yorker article who thought their loved ones were being held for ransom. The perpetrators used voice cloning to extort money from the couple as they feared for the lives of the husband’s parents.
Their experience is a stark reminder of the growing threat of voice cloning attacks and the importance of safeguarding our voices in the digital age. Voice cloning, also known as voice synthesis or voice mimicry, is a technology that allows individuals to replicate someone else’s voice with remarkable accuracy. While initially developed for benign purposes such as voice assistants and entertainment, it has also become a tool for malicious actors seeking to exploit unsuspecting victims.
As AI tools become more accessible and affordable, the prevalence of deepfake attacks, including voice cloning, is increasing. So, how can you safeguard yourself and your loved ones against voice cloning attacks? Here are some practical steps to take:
Voice cloning attacks represent a new frontier in cybercrime. With vigilance and preparedness, it’s possible to mitigate the risks and protect yourself and your loved ones. By staying informed, establishing safeguards, and remaining skeptical of unexpected communications, you can thwart would-be attackers and keep your voice secure in an increasingly digitized world.
The post How to Protect Yourself Against AI Voice Cloning Attacks appeared first on McAfee Blog.
‘Ensure your privacy settings are set to the highest level’ – if you’ve been reading my posts for a bit then you’ll know this is one of my top online safety tips. I’m a fan of ensuring that what you (and your kids) share online is limited to only the eyes that you trust. But let’s talk honestly. When was the last time you checked that your privacy settings were nice and tight? And what about your kids? While we all like to think they take our advice, do you think they have? Or it is all a bit complicated?
Research from McAfee confirms that the majority of us are keen to share our content online but with a tighter circle. In fact, 58% of social media users are keen to share content with only their family, friends, and followers but there’s a problem. Nearly half (46%) do not adjust their privacy settings on their social media platforms which means they’re likely sharing content with the entire internet!
And it’s probably no surprise why this is the case. When was the last time you tried to check your privacy settings? Could you even find them? Well, you are not alone with 55% of survey respondents confessing that they struggled to find the privacy settings on their social media platforms or even understand how they work.
Well, the good news is there is now a much easier way to decide exactly who you want to share with online. Introducing McAfee’s Social Privacy Manager. All you need to do is select your privacy preferences in a few quick clicks and McAfee will then adjust the privacy settings on your chosen social media accounts. Currently, McAfee’s software works with more than 100 platforms including LinkedIn, Google, Instagram, YouTube, and TikTok. It works across Android and iOS devices and on Windows and Mac computers also. The software is part of the McAfee+ suite.
Well, once you’ve got your social media privacy under control – you can relax – but just for a bit. Because there are a few other critical steps you need to take to ensure your online privacy is as protected as possible. Here’s what I recommend:
1. A Clever Password Strategy
In my opinion, passwords are one of the most powerful ways of protecting yourself online. If you have a weak and easily guessed password, you may as well not even bother. In an ideal world, every online account needs its own unique, complex password – think at least 12 characters, a combination of numbers, symbols, and both lower and upper case letters. I love using a crazy sentence. Better still, why not use a password manager that will create a password for you that no human could – and it will remember them for you too! A complete no-brainer!
2. Is Your Software Up To Date?
Software that is out of date is a little like leaving your windows and doors open and wondering why you might have an intruder. It exposes you to vulnerabilities and weaknesses that scammers can easily exploit. I always recommend setting your software to update automatically so take a little time to ensure yours is configured like this.
3. Think Critically Always
I encourage all my family members – both young and old – to always operate with a healthy dose of suspicion when going about their online business. Being mindful that not everything you see online is true is a powerful mindset. Whether it’s a sensational news article, a compelling ‘must have’ shopping deal, or a ‘TikTok’ influencer providing ‘tried and tested’ financial advice – it’s important to take a minute to think before acting. Always fact-check questionable news stories – you can use sites like Snopes. Why not ‘google’ to see if other customers have bad experiences with the shopping site that’s catching your eye? And if that TikTok influencer is really compelling, do some background research. But, if you have any doubts at all – walk away!
4. Wi-Fi – Think Before You Connect
Let’s be honest, Wi-Fi can be a godsend when you are travelling. If you don’t have mobile coverage and you need to check in on the kids then a Wi-Fi call is gold. But using public Wi-Fi can also be a risky business. So, use it sparingly and never ever conduct any financial transactions while connected to it – no exceptions! If you are a regular traveller, you might want to consider using a VPN to help you connect securely. A VPN will ensure that anything you send using Wi-Fi will be protected and unavailable to any potential prying eyes!
Keeping you and your family safe online is no easy feat. It’s time-consuming and let’s be honest sometimes quite overwhelming. If you have 3 kids and a partner and decided to manually update (or supervise them updating) their privacy settings then I reckon you’d be looking at least half a day’s work – plus all the associated negotiation! So, not only will McAfee’s Social Privacy Manager. ensure you and your loved ones have their social media privacy settings set nice and tight, it will also save you hours of work. And that my friends, is a good thing!
The post How Do You Manage Your Social Media Privacy? appeared first on McAfee Blog.
In recent news, Roku, a leading streaming platform, reported that over 591,000 user accounts were affected by credential stuffing attacks. This incident underscores the critical importance of safeguarding your online accounts against cyber threats. Here’s what you need to know to protect yourself and your streaming accounts.
As a proactive security measure, Roku has reset the passwords for all affected accounts. It is also notifying customers about the data leak and is refunding or reversing charges for those with unauthorized charges made by cybercriminals.
Credential stuffing is a type of cyber-attack where hackers use lists of stolen usernames and passwords from other data breaches to gain unauthorized access to user accounts on various platforms. In Roku’s case, hackers exploited this method to compromise over half a million accounts.
Hackers obtain lists of usernames and passwords from previous data breaches or leaks. These credentials are often available for sale on the dark web. They then use automated tools to input these stolen credentials into multiple websites or services, including streaming platforms like Roku. When the stolen credentials match an existing Roku account, the hackers gain access and can potentially take control of the account.
When cybercriminals gain access to your streaming accounts, they can do more than just watch your favorite shows. They may sell your account credentials on the dark web, use your personal information for identity theft, or even lock you out of your own account. This not only compromises your privacy but also puts your financial information at risk if you have payment methods linked to your streaming accounts.
The recent credential-stuffing attack on Roku serves as a stark reminder of the importance of prioritizing online protection in an increasingly digital world. By following best practices such as using strong passwords, enabling two-factor authentication, and staying vigilant about account activity, you can significantly reduce the risk of falling victim to cyber attacks. Protecting your streaming accounts isn’t just about safeguarding your entertainment preferences—it’s about safeguarding your privacy and personal information. Take the necessary steps today with McAfee+ to secure your online accounts and enjoy a safer, more secure streaming experience.
The post How to Protect Your Streaming Accounts: Lessons from Roku’s Data Leak appeared first on McAfee Blog.
Some conversations on social media can get … heated. Some can cross the line into harassment. Or worse.
Harassment on social media has seen an unfortunate rise in recent years. Despite platforms putting in reporting mechanisms, policies, and even using AI to detect and remove harmful speech, people are seeing more and more harassment on social media.
Yet even as it becomes more prevalent, nothing about it is usually. Or acceptable. No, you can’t prevent social media harassment. Yet you can protect yourself in the face of these attacks.
In 2023, research showed that 52% of American adults said they experienced harassment at some point online. That’s up from 40% in 2022. Also in 2023, 33% said they experienced it in the last year, a jump of 10% from 2022.i
The same trend follows for teens, where 51% of them said they experienced harassment in the past year, compared to 36% in the year prior.ii
Earlier research conducted in the U.S. tracked a significant rise in harassment online between 2014 and 2020. This included the doubling or the near doubling of the most severe forms of online harassment.iii
Our own research in 2022 also noted a rise of another kind — worry about online harassment. Globally, 60% of children said they were more worried that year about social media harassment (cyberbullying) compared to the year prior. Their parents showed yet more concern, with 74% of them more worried that year about their child being harassed than the last.iv
Stats are one thing, yet behind each figure stands a victim. Harassment takes a hard toll on its victims — emotional, financial, and sometimes physical. That becomes clear the moment you look at the forms it can take.
Social media harassment includes:
It includes other acts, such as:
In practice, the results can get ugly. Scanning press releases from various state attorneys general, you’ll find unflinching accounts of harassment. Like a targeted, three-year cyberstalking campaign against a victim and that person’s parents, coworkers, siblings, and court-mandated professionals.v Another, where the harasser attempted to defame his victim through a fake LinkedIn profile — and further doxed his victim by publicly posting source code the victim had written worth millions of dollars.vi
All of this serves as a reminder. Harassment can quickly turn into a crime.
The unfortunate fact remains that you can’t prevent social media harassment. Some people simply find themselves driven to do it. You can take several steps to shield yourself from attackers and deny them the info they need to fuel their attacks.
Secure your accounts.
Account security should be a high priority for you, your loved ones, and anyone else. That’s especially true during periods of harassment. Every account you have should be secured with a complex password — at least 12 to 14 characters long, with numbers, capital letters, lowercase letters, and symbols. And with two-factor authentication.
Two-factor authentication is especially important when it comes to account security. The reason is simple: a lot of harassers are tech-savvy, and enjoy taking over a victim’s account to make offensive comments in their name and damage their reputation.
Two-factor authentication prevents account takeovers like this. It requires a user to know the password and username for an account, along with another way they can prove they are who they say they are. Often that involves a code sent to their smartphone that they can use to verify their identity. At McAfee, we recommend you use two-factor authentication on any account that offers it.
Control who can follow you.
Social media platforms offer plenty of ways you can lock down your privacy, even as you remain “social” on them to some degree. Our Social Privacy Manager can help you be as private as you like. It helps you adjust more than 100 privacy settings across your social media accounts in only a few clicks, so your personal info is only visible to the people you want to share it with. By making yourself more private, you deny a potential harasser an important source of info about you, in addition to your friends, family, and life overall.
Limit what you share online.
Limit how much info you share about yourself on social media websites. Addresses, phone numbers, and locations shouldn’t be shared in posts and shouldn’t be included in biographies. Attackers can use this type of info to make false threats and, in some cases, falsify crimes to elicit a police response — this is a technique called “SWATTING” and it’s quite serious.vii
In some instances, harassers gather info about their victims on data brokers or “people finder” sites. Some of this info can get pretty detailed, and these sites will sell it to anyone. You can clean up that info, however. Our 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 — or remove it for you, depending on your plan.
Report the harassment to the social media platform.
If you find yourself targeted, don’t respond. That’s what the harasser wants. Use your social media platform’s tools to block and then report the harasser. Many platforms have web pages dedicated to harassment that walk you through the process.
Report harassment to the authorities.
First off, if you feel that you are in immediate danger, contact your local authorities for help.
In many cases, harassment is illegal. Slander, threats, damage to your professional reputation, doxing, and many of the examples mentioned earlier can amount to a crime. There are options for victims, legally speaking. If you feel a harassment campaign has crossed the line, then it’s time to contact the authorities. Bring proof of harassment. Take screenshots of everything and submit them as part of your complaint.
Talk with trusted family members and friends.
We’ve seen just how damaging and painful harassment can be. Let trusted people in your life know what’s happening. Lean on them for support. And have them help you find any resources you might need in the wake of harassment, such as counseling or even legal assistance. You might find this tough to do, yet realize that you’re not at fault here. Any ugliness you’re dealing with comes from the hands of a harasser. Not yours. Close family and friends will recognize this.
[i] https://www.adl.org/resources/report/online-hate-and-harassment-american-experience-2023
[ii] https://www.adl.org/resources/report/online-hate-and-harassment-american-experience-2023
[iii] https://www.pewresearch.org/internet/2021/01/13/the-state-of-online-harassment/
[vii] https://www.theguardian.com/technology/2016/apr/15/swatting-law-teens-anonymous-prank-call-police
The post How to Protect Yourself From Social Media Harassment appeared first on McAfee Blog.
It’s that time of year again – tax season! Whether you’ve already filed in the hopes of an early refund or have yet to start the process, one thing is for sure: cybercriminals will certainly use tax season as a means to get victims to give up their personal and financial information. This time of year is advantageous for malicious actors since the IRS and tax preparers are some of the few people who actually need your personal data. As a result, consumers are targeted with various scams impersonating trusted sources like the IRS or DIY tax software companies. Fortunately, every year the IRS outlines the most prevalent tax scams, such as voice phishing, email phishing, and fake tax software scams. Let’s explore the details of these threats.
So, how do cybercriminals use voice phishing to impersonate the IRS? Voice phishing, a form of criminal phone fraud, uses social engineering tactics to gain access to victims’ personal and financial information. For tax scams, criminals will make unsolicited calls posing as the IRS and leave voicemails requesting an immediate callback. The crooks will then demand that the victim pay a phony tax bill in the form of a wire transfer, prepaid debit card or gift card. In one case outlined by Forbes, victims received emails in their inbox that allegedly contained voicemails from the IRS. The emails didn’t actually contain any voicemails but instead directed victims to a suspicious SharePoint URL. Last year, a number of SharePoint phishing scams occurred as an attempt to steal Office 365 credentials, so it’s not surprising that cybercriminals are using this technique to access taxpayers’ personal data now as well.
In addition to voice phishing schemes, malicious actors are also using email to try and get consumers to give up their personal and financial information. This year alone, almost 400 IRS phishing URLs have been reported. In a typical email phishing scheme, scammers try to obtain personal tax information like usernames and passwords by using spoofed email addresses and stolen logos. In many cases, the emails contain suspicious hyperlinks that redirect users to a fake site or PDF attachments that may download malware or viruses. If a victim clicks on these malicious links or attachments, they can seriously endanger their tax data by giving identity thieves the opportunity to steal their refund. What’s more, cybercriminals are also using subject lines like “IRS Important Notice” and “IRS Taxpayer Notice” and demanding payment or threatening to seize the victim’s tax refund.
Cybercriminals are even going so far as to impersonate trusted brands like TurboTax for their scams. In this case, DIY tax preparers who search for TurboTax software on Google are shown ads for pirated versions of TurboTax. The victims will pay a fee for the software via PayPal, only to have their computer infected with malware after downloading the software. You may be wondering, how do victims happen upon this malicious software through a simple Google search? Unfortunately, scammers have been paying to have their spoofed sites show up in search results, increasing the chances that an innocent taxpayer will fall victim to their scheme.
Money is a prime motivator for many consumers, and malicious actors are fully prepared to exploit this. Many people are concerned about how much they might owe or are predicting how much they’ll get back on their tax refund, and scammers play to both of these emotions. So, as hundreds of taxpayers are waiting for a potential tax return, it’s important that they navigate tax season wisely. Check out the following tips to avoid being spoofed by cybercriminals and identity thieves:
File before cybercriminals do it for you. The easiest defense you can take against tax season schemes is to get your hands on your W-2 and file as soon as possible. The more prompt you are to file, the less likely your data will be raked in by a cybercriminal.
Keep an eye on your credit and your identity. Keeping tabs on your credit report and knowing if your personal information has been compromised in some way can help prevent tax fraud. Together, they can let you know if someone has stolen your identity or if you have personal info on the dark web that could lead to identity theft.
Watch out for spoofed websites. Scammers have extremely sophisticated tools that help disguise phony web addresses for DIY tax software, such as stolen company logos and site designs. To avoid falling for this, go directly to the source. Type the address of a website directly into the address bar of your browser instead of following a link from an email or internet search. If you receive any suspicious links in your email, investigating the domain is usually a good way to tell if the source is legitimate or not.
Protect yourself from scam messages. Scammers also send links to scam sites via texts, social media messages, and email. McAfee Scam Protection can help you spot if the message you got is a fake. It uses AI technology that automatically detects links to scam URLs. If you accidentally click, don’t worry, it can block risky sites if you do.
Clean up your personal info online. Crooks and scammers have to find you before they can contact you. After all, they need to get your phone number or email from somewhere. Sometimes, that’s from “people finder” and online data brokers that gather and sell personal info to any buyer. Including crooks. McAfee Personal Data Cleanup can remove your personal info from the data broker sites scammers use to contact their victims.
Consider an identity theft protection solution. If for some reason your personal data does become compromised, be sure to use an identity theft solution such as McAfee Identity Theft Protection, which allows users to take a proactive approach to protect their identities with personal and financial monitoring and recovery tools to help keep their identities personal and secured.
The post How to Steer Clear of Tax Season Scams appeared first on McAfee Blog.
Four in ten Americans say they use peer-to-peer payment services, like Venmo, PayPal, or Apple Pay, at least once a month. These platforms have made it even easier to send money by adding QR codes that people can quickly scan to pull up someone’s profile and complete a payment. Two-thirds of restaurants have started including QR codes on tables to access menus. Scanning QR codes has become a normal, convenient way to exchange money or information.
Unfortunately, scammers are always looking for ways to take advantage of moments when people are primed to part with their money. The Federal Trade Commission is warning that scammers now use QR codes to hide harmful links to steal personal information. This new type of phishing attack, called “quishing,” highlights how scamming methods are constantly changing. In response, artificial intelligence (AI) is becoming an even more crucial part of defending against scammers.
To protect yourself against phishing attacks, it’s crucial to remain vigilant and employ proactive measures. Make sure to scrutinize all incoming emails, text messages, or social media communications for any signs of suspicious or unsolicited requests, especially those urging immediate action or requesting sensitive information.
Avoid clicking links, downloading attachments, or scanning QR codes from unknown or untrusted sources. Check the legitimacy of the sender by cross-referencing contact information with official sources or contacting the organization directly through trusted channels.
Before accepting where a QR code is going to take you, carefully examine the associated URL. Verify its authenticity by scrutinizing for any discrepancies, such as misspellings or altered characters, especially if it resembles a familiar URL.
Safeguard your mobile device and accounts by regularly updating the operating system. Additionally, bolster the security of your online accounts by implementing robust passwords and integrating multi-factor authentication measures to thwart unauthorized access.
As fraudsters continually evolve their tactics, distinguishing between what’s real and what’s fake becomes increasingly challenging. However, there is formidable technology available to safeguard against their schemes. AI can analyze vast amounts of data in real-time to detect patterns and anomalies indicative of fraudulent behavior. By continuously learning from new data and adapting algorithms, AI can stay ahead of evolving fraud tactics.
The McAfee+ suite of identity and privacy protections uses AI for identity protection, transaction monitoring, credit monitoring, and proactive Scam Protection to keep you safe from even the most sophisticated scam attempts. Scam Protection employs AI technology to block risky sites, serving as a secondary defense against accidental clicks on spam links. This ensures that even after being tricked into clicking, your device won’t open the fraudulent site.
Don’t leave your digital defenses to chance. See for yourself what advanced security looks like today.
The post How to Protect Against New Types of Scams Like QR Phishing appeared first on McAfee Blog.
Scammers are turning a buck on the eclipse. A rash of eclipse scams have appeared online, many involving the sale of unsafe viewers and solar eclipse glasses.
With the eclipse making its way from Texas, through the Midwest, and up through the Northeast on April 8th, people increasingly want to get their hands on equipment to view it. And as it always is when it comes to big events and scarcity, scammers rush in.
A map of the eclipse path – GreatAmericanEclipse.com
As such, the Better Business Bureau (BBB) issued a consumer warning about the sale of cheap, knockoff solar eclipse glasses.i Worse yet, viewing the eclipse with these bogus glasses can harm your eyes. So as if getting ripped off wasn’t bad enough, this scam can damage a person’s vision.
Here, we’ll put you on the path to buying a safe set of viewing glasses — and offer several ways you can avoid buying knockoffs from a scammer.
The American Astronomical Society has a list you’ll find helpful. With a visit to their page dedicated to suppliers of solar filters and viewers, you’ll have your pick of places where you can purchase. The list is long, featuring a mix of online and retail outlets where you can get safe, approved gear for viewing.
Also, check out the society’s page on safe viewing for the eclipse. It covers what you need to know to view the eclipse safely, from how to use a viewer, the ISO 12312-2 standard that all viewers must adhere to, and how to properly clean viewers so they remain safe.
How do so many scams ramp up so quickly for such a highly specific event? It doesn’t take much to spin up e-commerce sites and pump out ads nowadays. Thanks to a host of low-cost and easy-to-use tools for publishing and advertising online, scammers of all sizes can create bogus shopping experiences much more quickly than ever.
And as we’ve discussed so often in our blogs as of late, scams look and feel increasingly sophisticated today. AI gives scammers ready access to design tools, audio and video creation tools, copywriting bots, and more. Then add in the ease with which scammers can post their ads in search and on social media, and they have quick and ready ways of reaching potential victims.
Even so, a few extra steps and a bit of caution can help you avoid these scams.
1. Stick with known, legitimate retailers online.
This is a great piece of advice to start with. Directly typing in the correct address for online stores and retailers is a prime way to avoid scammers online. In the case of retailers that you don’t know much about, the BBB asks shoppers to do their research. Ensure that the retailer has a good reputation. The BBB makes that easier with a listing of retailers you can search by typing in their name.
2. Research new sellers for their history and reviews.
Never heard of that retailer before? See when they launched their website. A relatively new site might be a sign that it’s part of a scam.
A quick visit to the ICANN (Internet Corporation for Assigned Names and Numbers) website can show you certain background info for any website you type in. Given how quickly and easily scammers can register and launch a website, this kind of info can help you sniff out a scam.
Of course, it might also indicate a new business that’s entirely legitimate, so a little more digging is called for. That’s where reviews come in. Aside from the resources listed above, a simple web search of “[company name] reviews” or “[company name] scam” can help you discover if the retailer is legit.
3. Look for the lock icon in your browser when you shop.
Secure websites begin their addresses with “https,” not just “http.” That extra “s” stands for “secure,” which means that it uses a secure protocol for transmitting sensitive info like passwords, credit card numbers, and the like over the internet. It often appears as a little padlock icon in the address bar of your browser, so double-check for that. If you don’t see that it’s secure, it’s best to avoid making purchases on that website.
4. Pay with a credit card instead of your debit card.
Credit cards offer fraud protections that debit cards don’t. Another key difference: when fraud occurs with a debit card, you fight to get your money back — it’s gone straight out of your account. With a credit card, the issuer fights to get their money back. They’re the ones who take the financial hit.
Additionally, in the U.S., the Fair Credit Billing Act offers the public protection against fraudulent charges on credit cards. The act gives citizens the power to dispute charges over $50 for goods and services that were never delivered or otherwise billed incorrectly. Note that many credit card companies have their own policies that improve upon the Fair Credit Billing Act as well. However, debit cards aren’t afforded the same protection under the Act. Avoid using a debit card while shopping online and use your credit card instead.
5. Protect your devices for shopping.
A complete suite of online protection software like McAfee+ can offer layers of extra security while you shop. It includes scam protection that can block malicious and questionable links that might lead you down the road to malware or a phishing scam — along with a password manager that can create and securely store strong, unique passwords.
If you have some last-minute bookings and travel in your plans for the eclipse, look out for online rental fraud scams. With a few images cobbled together from the internet, scammers list phony properties and seek to get paid outside legitimate rental platforms — leaving you short of funds and short of a place to stay when you finally arrive.
You can avoid these scams rather easily. Trust a trusted platform. Book your vacation rental through a reputable outlet. Vacation rental platforms like Airbnb and VRBO have policies and processes in place that protect renters from scammers.
You have several other ways you can avoid booking scams …
First, look at the listing.
Do the photos look grainy or like they came from a magazine? Do a reverse image search on the photo and see what comes up. It might be a piece of stock photography designed to trick you into thinking it was taken at an actual property for rent. Also, read the reviews for the property. Listings with no reviews are a red flag.
Only communicate on the platform.
The moment a host asks to communicate outside of the platform is another red flag. Scammers will try to lure you off the platform where they can request payment in forms that are difficult to recover or trace after you realize you’ve been scammed. That includes methods such as certified checks, money transfers like Western Union, and online payment apps like Zelle. Generally, when that money is gone, it’s gone for good.
Only pay on the platform.
Likewise, paying for your rental outside the platform might also go against the terms of service, as in the case of Airbnb. Or, as with VRBO, paying outside the platform voids their “Book with Confidence Guarantee,” which offers you certain protections. Use the platform to pay and use a credit card when you do. In the U.S., the Fair Credit Billing Act allows you to dispute charges. Additionally, some credit cards offer their own anti-fraud protections that can help you dispute a billing.
With big events comes scarcity. Postseason sports and merch. Holiday shopping and hot gifts. Vacation time and rentals at popular destinations. Scammers love this combination. With people in a rush to buy or book, scammers take advantage. As we now see, we can add eclipses to that list, just as we saw with the 2017 eclipse.
In addition to the advice above, take your time and ensure a safe purchase. Given that variants of this scam involve phony, unsafe viewing glasses, take the extra care that your vision absolutely deserves. Go with a reputable retailer with ISO-approved lenses.
The post How to Avoid Solar Eclipse Scams appeared first on McAfee Blog.
With the rise of cheap and easy-to-use AI tools, deepfake attacks find themselves likewise on the rise. Startling as that news might sound, you have several ways of falling victim to one.
Right now, we’re seeing plenty of AI voice cloning tools used in deepfake attacks. These attacks work much like classic targeted phishing attacks, also known as “spearphishing,” given the precision scammers use to pull them off.
It works like this:
A scammer identifies a target, gathers info on them, and then uses that info against them in a deepfake attack. With info gathered from their social media profiles, public records, “people finder” sites, and data broker sites, scammers create convincing-sounding messages with AI voice-cloning tools.
All they need is a script and a sample of a person’s voice that they want to impersonate — pulled from, say, YouTube, a social media video, a conference call, what have you. Just a few minutes does the trick, creating a voice clone that requires an expert to detect.
Between an uncanny voice clone and a script peppered with all kinds of personal details, these deepfake messages sound legit.
Moreover, scammers use another tool to get their victims to act. Urgency. They play on people’s emotions so that they’ll take the bait in the head of the moment. Imagine a deepfake message that sounds like it’s from a friend or family member. Their car broke down in the middle of nowhere and they need money for a repair or they run into trouble while traveling abroad and likewise need money to get out of a jam. In all, the voice clone says it needs help and needs it now.
Before the victim knows it, they’ve readily handed over funds, personal info, or both to a scammer — which leads to things like identity theft and fraud.
As these attacks started cropping up last year, we surveyed people worldwide to get a sense of just how often they occur. Out of 7,000 people surveyed, one in four said that they had experienced an AI voice cloning scam or knew someone who had.
Moreover, those attacks came at a cost. Of the people who reported losing money to an audio deepfake, 36% said they lost between $500 and $3,000, while 7% got taken for sums anywhere between $5,000 and $15,000.
Again, as even as convincing as these deepfake messages might sound, you can keep yourself safer from these attacks. It starts with keeping your personal info out of the hands of scammers.
Make your social media more private. Our new McAfee Social Privacy Manager personalizes your privacy based on your preferences. It does the heavy lifting by adjusting more than 100 privacy settings across your social media accounts in only a few clicks. This makes sure that your personal info is only visible to the people you want to share it with. It also keeps it out of search engines where the public, and scammers, can see it.
Remove your info from data brokers that sell it. McAfee Personal Data Cleanup helps you remove your personal info from many of the riskiest data broker sites out there. Running it regularly can keep your name and info off these sites, even as data brokers collect and post new info. Depending on your plan, it can send requests to remove your data automatically.
Delete your old accounts. Yet another source of personal info comes from data breaches. Scammers use this info as well to complete a sharper picture of their potential victims. With that, many internet users can have over 350 online accounts, many of which they might not know are still active. McAfee Online Account Cleanup can help you delete them. It runs monthly scans to find your online accounts and shows you their risk level. From there, you can decide which to delete, protecting your personal info from data breaches and your overall privacy as a result.
Set a verbal password with your friends and family. Several deepfake attacks involve an urgent voice message from a friend or family member. Setting a verbal password like you do with banks and alarm companies can help determine if a message is real or fake. Make sure everyone knows and uses it in messages when they ask for help.
Typically, deepfake attacks lead to some kind of fraud. Victims hand over money, personal info, credit card numbers, and gift cards after being taken in by the fraudster. So while deepfakes are new, the attack itself plays out like an age-old con game. With the age-old results. Given that, recovering from a deepfake attack follows the same steps it takes to recover from practically any type of fraud.
File a police report.
Someone stole from you. Treat fraud like the crime it is. Start by contacting law enforcement to file a report. Your local police department can issue a formal report, which you might need to get your bank or other financial institution to reverse fraudulent charges.
Before contacting the police, gather all the relevant info 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 might be related. For example, was your debit card recently lost or your email hacked? The police will want to know.
Notify the companies involved.
Depending on how you responded to the deepfake, the companies involved might include banks, credit card companies, the providers of gift cards, and other money transfer services. Each will have a method of reporting fraud. Some might offer ways to reverse the charges or recoup the funds. But not always. Scammers ask for payment in gift cards and money transfers for a reason. They’re as good as cash. After that money is gone, it’s likely gone for good.
In the U.S., File a report with the Federal Trade Commission.
In the U.S., the Federal Trade Commission (FTC) hosts IdentityTheft.gov where you can further report such crimes. Along with the details you provide, it can 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.
For another excellent resource from the FTC, you can visit their page dedicated to scam recovery. It offers detailed guidance for several types of scams and what to do if you fall victim to one.
And outside of the U.S.
Our knowledge base article on identity theft offers suggestions for the specific steps you can take in specific countries, along with helpful links for local authorities that you can turn to for reporting and assistance.
Put a freeze on your credit to prevent further theft.
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 might 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 might 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. And depending on your plan, you can issue a credit freeze or an even more comprehensive security freeze right from the McAfee app.
Use identity theft coverage to recover from deepfake fraud.
Having coverage in place before an attack can save you time and money should the unexpected happen. Our Identity Theft & Restoration Coverage can help. It offers $2 million in coverage and assistance from a licensed identity restoration pro who can repair your identity and your credit after an attack.
The post Are You a Victim of a Deepfake Attack? Here’s What to Do Next appeared first on McAfee Blog.
People under 60 are losing it online. And by it, I mean money—thanks to digital identity theft.
In its simplest form, your digital identity is made up of a whole host of things that can be traced back to you and who you are. That can range anywhere from photos you post online to online shopping accounts, email accounts to telephone numbers, and bank accounts to your tax ID.
In this way, your digital identity is like dozens upon dozens of puzzle pieces made up of different accounts, ID numbers, and so forth. When put together, they create a picture of you. And that’s why those little puzzle pieces of your identity are such attractive targets for hackers. If they get the right combination of them, you can end up a victim of theft or fraud.
Here’s what’s happening: people under 60 were twice as likely to report losing money while shopping online. The spotlight also shows that adults under 60 are more than four times more likely to report losing money to an investment scam, and the majority of those losses happened in scams involving some form of cryptocurrency investments.
And it’s no surprise younger adults get targeted this way. They’re far more likely than any other age group to use mobile apps for peer-to-peer payments, transfer money between accounts, deposit checks, and pay bills. In short, there’s a lot of money flowing through the palms of their hands thanks to their phones, as well as their computers.
Protecting yourself from hackers and fraud means protecting your digital identity. And that can feel like a pretty huge task given all the information your digital identity includes. It can be done, though, especially if you think about your identity like a puzzle. A piece here, another piece there, can complete the picture (or complete it just enough) to give a hacker what they need to separate you from your money. Thus, the way to stay safe is to keep those puzzle pieces out of other people’s hands.
It’s actually not that tough. With a few new habits and a couple of apps to help you out, you can protect yourself from the headaches and flat-out pain of fraud. Here’s a list of straightforward things that you can get started on right away:
1. Start with the basics—security software
Protect yourself by protecting your stuff. Installing and using security software on your computers and phones can prevent all kinds of attacks and make you safer while you surf, bank, and shop online. I should emphasize it again—protect your phone. Only about half of people protect their phones even though they use them to hail rides, order food, send money to friends, and more. Going unprotected on your phone means you’re sending all that money on the internet in a way that’s far, far less safe than if you use online protection.
2. Create strong passwords
You hear this one all the time and for good reason—strong, unique passwords offer one of your best defenses against hackers. Never re-use them (or slight alterations of them) across the different platforms and services you use. Don’t forget to update them on the regular (that means at least every 60 days)! While that sounds like a lot of work, a password manager can keep on top of it all for you. And if your platform or service offers the use of two-factor authentication, definitely make use of that. It’s a further layer of security that makes hacking tougher for crooks.
3. Keep up to date with your updates
Updates have a way of popping up on our phones and computers nearly every day, resist the urge to put them off until later. Aside from making improvements, updates often include important security fixes. So, when you get an alert for your operating system or app on your devices, go ahead and update. Think of it as adding another line of defense from hackers who are looking to exploit old flaws in your apps.
4. Think twice when you share
Social media is one place hackers go to harvest personal information because people sometimes have a way of sharing more than they should. With info like your birthday, the name of your first school, your mother’s maiden name, or even the make of your first car, they can answer common security questions that could hack into your accounts. Crank up the privacy settings on your accounts so only friends and family can see your posts—and realize the best defense here is not to post any possibly sensitive info in the first place. Also, steer clear of those “quizzes” that sometimes pop up in your social feeds. Those are other ways that hackers try to gain bits of info that can put your identity at risk.
5. Shred it
Even though so many of us have gone paperless with our bills, identity theft by digging through the trash, or “dumpster diving,” is still a thing. Things like medical bills, tax documents, and checks still might make their way to your mailbox. You’ll want to dispose of them properly when you’re through with them. First, invest in a paper shredder. Once you’ve online deposited that check or paid that odd bill, shred it so that any personal or account info on there can’t be read (and can be recycled securely). Second, if you’re heading out of town for a bit, have a friend collect your mail or have the post office put a temporary hold on your mail. That’ll prevent thieves from lifting personal info right from your mailbox while you’re away.
6. Check your credit
Even if you don’t think there’s a problem, go ahead and check your credit. The thing is, someone could be charging things against your name without you even knowing it. Depending on where you live, different credit reporting agencies keep tabs on people’s credit. In the U.S., the big ones are Equifax, Experian, and TransUnion. Also in the U.S., the Fair Credit Reporting Act (FCRA) requires these agencies to provide you with a free credit check at least once every 12 months. Canada, the UK, and other nations likewise offer ways to get a free credit report. Run down your options—you may be surprised by what you find.
As I just mentioned, the quickest way to get sense of what’s happening with your identity is to check your credit. Identity theft goes beyond money. Crooks will steal identities to rent apartments, access medical services, and even get jobs. Things like that can show up on a credit report, such as when an unknown address shows up in a list of your current and former residences or when a company you’ve never worked for shows up as an employer. If you spot anything strange, track it down right away. Many businesses have fraud departments with procedures in place that can help you clear your name if you find a charge or service wrongfully billed under your name.
Other signs are far more obvious. You may find collection agencies calling or even see tax notices appearing in your mailbox (yikes). Clearly, cases like those are telltale signs that something is really wrong. In that case, report it right away:
Likewise, many nations offer similar government services. A quick search will point you in the right direction.
Another step you can take is to ask each credit bureau to freeze your credit, which prevents crooks from using your personal information to open new lines of credit or accounts in your name. Fraud alerts offer another line of protection for you as well, and you can learn more about fraud alerts here.
With so many bits and pieces of information making up your digital identity, a broader way of keeping it safe involves asking yourself a question: what could happen if someone got their hands on this info? Further realizing that even little snippets of unsecured info can lead to fraud or theft in your name helps—even that un-shredded bill or innocuous refund check for a couple of bucks could give a crook the puzzle piece they need. You can keep your digital identity safe by keeping those pieces of info out of other people’s hands.
The post How to Protect Your Digital Identity appeared first on McAfee Blog.
What’s the difference between identity fraud and identity theft? Well, it’s subtle, so much so that it’s easy to use them nearly interchangeably. While both can take a bite out of your wallet, they are different—and knowing the differences can help you understand what’s at stake.
Let’s start with an overview and a few examples of each.
So there’s that subtle difference we mentioned. Identity fraud involves the misuse of an existing account. Identity theft means the theft of your personal information, which is then used to impersonate you in some way, such as opening new accounts in your name.
Above and beyond those definitions and examples, a couple of real-life examples put the differences in perspective as well.
As for identity fraud, individual cases of fraud don’t always make the headlines, but that’s not to say you won’t hear about it in a couple of different ways.
The first way may be news stories about data breaches, where hackers gain things like names, emails, and payment information from companies or organizations. That info can then end up in the hands of a fraudster, who then accesses those accounts to drain funds or make purchases.
On a smaller scale, you may know someone who has had to get a new credit or debit card because theirs was compromised, perhaps by a breach or by mistakenly making a payment through an insecure website or by visiting a phony login page as part of a phishing attack. These can lead to fraud as well.
It usually starts with someone saying anything from, “That’s strange …” to “Oh, no!” There’ll be a strange charge on your credit card bill, a piece of mail from a bill collector, or a statement from an account you never opened—just to name a few things.
With that, I have a few recent blogs that help you spot all kinds of identity crime, along with advice to help keep it from happening to you in the first place:
While there are differences between identity fraud and identity theft, they do share a couple of things in common: you can take steps to prevent them, and you can take steps to limit their impact should you find yourself faced with one or the other.
The articles called out above will give you the details, yet staying safe begins with vigilance. Check on your accounts and credit reports regularly and really scrutinize what’s happening in them. Consider covering yourself with an identity monitoring solution — and act on anything that looks strange or outright fishy by reporting it to the company or institution in question.
The post How To Tell The Difference Between Identity Fraud and Identity Theft? appeared first on McAfee Blog.
When it comes to identity theft, trust your gut when something doesn’t feel right. Follow up. What you’re seeing could be a problem.
A missing bill or a mysterious charge on your credit card could be the tip of an identity theft iceberg, one that can run deep if left unaddressed. Here, we’ll look at several signs of identity theft that likely need some investigation and the steps you can take to take charge of the situation.
Unfortunately, it can happen in several ways.
In the physical world, it can happen simply because you lost your wallet or debit card. However, there are also cases where someone gets your information by going through your mail or trash for bills and statements. In other more extreme cases, theft can happen by someone successfully registering a change of address form in your name (although the U.S. Postal Service has security measures in place that make this difficult).
In the digital world, that’s where the avenues of identity theft blow wide open. It could come by way of a data breach, a thief “skimming” credit card information from a point-of-sale terminal, or by a dedicated crook piecing together various bits of personal information that have been gathered from social media, phishing attacks, or malware designed to harvest information. Additionally, thieves may eavesdrop on public Wi-Fi and steal information from people who are shopping or banking online without the security of a VPN.
Regardless of how crooks pull it off, identity theft is on the rise. According to the Federal Trade Commission (FTC), identity theft claims jumped up from roughly 650,000 claims in 2019 to 1 million in 2023. Of the reported fraud cases where a dollar loss was reported, the FTC calls out the following top three contact methods for identity theft:
However, phone calls, texts, and email remain the most preferred contact methods that fraudsters use, even if they are less successful in creating dollar losses than malicious websites, ads, and social media.
Identity thieves leave a trail. With your identity in hand, they can charge things to one or more of your existing accounts—and if they have enough information about you, they can even create entirely new accounts in your name. Either way, once an identity thief strikes, you’re probably going to notice that something is wrong. Possible signs include:
As you can see, the signs of possible identity theft can run anywhere from, “Well, that’s strange …” to “OH NO!” However, the good news is that there are several ways to check if someone is using your identity before it becomes a problem – or before it becomes a big problem that gets out of hand.
The point is that if you suspect fraud, you need to act right away. With identity theft becoming increasingly commonplace, many businesses, banks, and organizations have fraud reporting mechanisms in place that can assist you should you have any concerns. With that in mind, here are some immediate steps you can take:
Whether you spot a curious charge on your bank statement or you discover what looks like a fraudulent account when you get your free credit report, let the bank or business involved know you suspect fraud. With a visit to their website, you can track down the appropriate number to call and get the investigation process started.
Some businesses will require you to file a local police report to acquire a case number to complete your claim. Even beyond a business making such a request, filing a report is still a good idea. Identity theft is still theft and reporting it provides an official record of the incident. Should your case of identity theft lead to someone impersonating you or committing a crime in your name, filing a police report right away can help clear your name down the road. Be sure to save any evidence you have, like statements or documents that are associated with the theft. They can help clean up your record as well.
The FTC’s identity theft website is a fantastic resource should you find yourself in need. Above and beyond simply reporting the theft, the FTC can provide you with a step-by-step recovery plan—and even walk you through the process if you create an account with them. Additionally, reporting theft to the FTC can prove helpful if debtors come knocking to collect on any bogus charges in your name. You can provide them with a copy of your FTC report and ask them to stop.
You can place a free one-year fraud alert with one of the major credit bureaus (Experian, TransUnion, Equifax), and they will notify the other two. A fraud alert will make it tougher for thieves to open accounts in your name, as it requires businesses to verify your identity before issuing new credit in your name.
A credit freeze goes a step further. As the name implies, a freeze prohibits creditors from pulling your credit report, which is needed to approve credit. Such a freeze is in place until you lift it, and it will also apply to legitimate queries as well. Thus, if you intend to get a loan or new credit card while a freeze is in place, you’ll likely need to take extra measures to see that through. Contact each of the major credit bureaus (Experian, TransUnion, Equifax) to put a freeze in place or lift it when you’re ready.
This can run the gamut from closing any false accounts that were set up in your name, removing bogus charges, and correcting information in your credit report such as phony addresses or contact information. With your FTC report, you can dispute these discrepancies and have the business correct the record. Be sure to ask for written confirmation and keep a record of all documents and conversations involved.
If you receive a notice from the IRS that someone used your identity to file a tax return in your name, follow the information provided by the IRS in the notice. From there, you can file an identity theft affidavit with the IRS. If the notice mentions that you were paid by an employer you don’t know, contact that employer as well and let them know of possible fraud—namely that someone has stolen your identity and that you don’t truly work for them.
Also, be aware that the IRS has specific guidelines as to how and when they will contact you. As a rule, they will most likely contact you via physical mail delivered by the U.S. Postal Service. (They won’t call or apply harassing pressure tactics—only scammers do that.) Identity-based tax scams are a topic all of their own, and for more on it, you can check out this article on tax scams and how to avoid them.
Another downside of identity theft is that it can mark the start of a long, drawn-out affair. One instance of theft can possibly lead to another, so even what may appear to be an isolated bad charge on your credit card calls for keeping an eye on your identity. Many of the tools you would use up to this point still apply, such as checking up on your credit reports, maintaining fraud alerts as needed, and reviewing your accounts closely.
With all the time we spend online as we bank, shop, and simply surf, we create and share all kinds of personal information—information that can get collected and even stolen. The good news is that you can prevent theft and fraud with online protection software, such as McAfee+ Ultimate.
With McAfee+ Ultimate you can:
In all, it’s our most comprehensive privacy, identity, and device protection plan, built for a time when we rely so heavily on the internet to go about our day, whether that’s work, play, or simply getting things done.
Realizing that you’ve become a victim of identity theft carries plenty of emotion with it, which is understandable—the thief has stolen a part of you to get at your money, information, and even reputation. Once that initial rush of anger and surprise has passed, it’s time to get clinical and get busy. Think like a detective who’s building – and closing – a case. That’s exactly what you’re doing. Follow the steps, document each one, and build up your case file as you need. Staying cool, organized, and ready with an answer to any questions you’ll face in the process of restoring your identity will help you see things through.
Once again, this is a good reminder that vigilance is the best defense against identity theft from happening in the first place. While there’s no absolute, sure-fire protection against it, there are several things you can do to lower the odds in your favor. And at the top of the list is keeping consistent tabs on what’s happening across your credit reports and accounts.
The post How to Detect Signs of Identity Theft appeared first on McAfee Blog.
Can thieves steal identities with only a name and address?
In short, the answer is “no.” Which is a good thing, as your name and address are in fact part of the public record. Anyone can get a hold of them. However, because they are public information, they are still tools that identity thieves can use.
If you think of your identity as a jigsaw puzzle, your name and address are the first two pieces that they can use to build a bigger picture and ultimately put your identity at risk.
With that, let’s look at some other key pieces of your identity that are associated with your name and address—and what you can do to protect them.
For starters, this information is so general that it is of little value in and of itself to an identity thief. Yet a determined identity thief can do a bit of legwork and take a few extra steps to use them as a springboard for other scams.
For example, with your name and address a thief could:
There are volumes of public information that are readily available should someone want to add some more pieces to your identity jigsaw puzzle, such as:
In the U.S., the availability of such information will vary from state to state and different levels of government may have different regulations about what information gets filed—in addition to whether and how those reports are made public. Globally, different nations and regions will collect varying amounts of public information and have their own regulations in place as well. More broadly, though, many of these public databases are now online. Consequently, accessing them is easier than the days when getting a hold of that information required an in-person visit to a library or public office.
Cybercriminals can gain additional information about you from other online sources, such as data brokers. And data brokerage is a big business, a global economy estimated at $280 billion U.S. dollars a year. What fuels it? Personal information, representing thousands of data points on billions of people scraped from public records, social media, smartphone apps, shopper loyalty cards, third-party sources, and sometimes other data broker sites as well.
The above-the-board legal intent of data broker sites is to sell that information to advertisers so that they can create highly targeted campaigns based on people’s behaviors, travels, interests, and even political leanings. Others such as law enforcement officials, journalists, and others who are conducting background checks will use them too.
On the dark side, hackers, scammers, and thieves will buy this information as well, which they can use to commit identity theft and fraud. The thing is, data brokers will sell to anyone. They don’t discriminate.
Phishing attacks aren’t just for email, texts, and direct messages. In fact, thieves are turning to old tricks via old-fashioned physical mail. That includes sending phony offers or impersonating officials of government institutions, all designed to trick you into giving up your personally identifiable information (PII).
What might that look like in your mailbox? They can take the form of bogus lottery prizes that request bank information for routing (non-existent) winnings. Another favorite of scammers is bogus tax notifications that demand immediate payment. In all, many can look quite convincing at first blush, yet there are ready ways you can spot them. In fact, many of the tips for avoiding these physical mail phishing attacks are the same for avoiding phishing attacks online.
Recently, I’ve seen a few news stories like this where thieves reportedly abuse the change-of-address system with the U.S. Postal Service. Thieves will simply forward your mail to an address of their choosing, which can drop sensitive information like bank and credit card statements in their mailbox. From there, they could potentially have new checks sent to them or perhaps an additional credit card—both of which they can use to drain your accounts and run up your bills.
The Postal Service has mechanisms in place to prevent this, however. Among these, the Postal Service will send you a physical piece of mail to confirm the forwarding. So, if you ever receive mail from the Postal Service, open it and give it a close look. If you get such a notice and didn’t order the forwarding, visit your local post office to get things straightened out. Likewise, if it seems like you’re missing bills in the mail, that’s another good reason to follow up with your post office and the business in question to see if there have been any changes made in your mail forwarding.
So while your name and address are out there for practically all to see, they’re largely of little value to an identity thief on their own. But as mentioned above, they are key puzzle pieces to your overall identity. With enough of those other pieces in hand, that’s where an identity thief can cause trouble.
Other crucial pieces of your identity include:
Let’s start with the biggest one. This is the master key to your identity, as it is one of the most unique identifiers you have. As I covered in my earlier blog on Social Security fraud, a thief can unlock everything from credit history and credit line to tax refunds and medical care with your Social Security or tax ID number. In extreme cases, they can use it to impersonate you for employment, healthcare, and even in the event of an arrest.
You can protect your Social Security Number by keeping it locked in a safe place (rather than in your wallet) and by providing your number only when absolutely necessary. For more tips on keeping your number safe, drop by that blog on Social Security fraud I mentioned.
Thieves have figured out ways of getting around the fact that IDs like these include a photo. They may be able to modify or emulate these documents “well enough” to pull off certain types of fraud, particularly if the people requesting their bogus documents don’t review them with a critical eye.
Protecting yourself in this case means knowing where these documents are at any time. (With passports, you may want to store those securely like your Social Security or tax ID number.) Also be careful when you share this information, as the identifiers on these documents are highly unique. If you’re uncomfortable with sharing this information, you can ask if other forms of ID might work—or if this information is really needed at all. Also, take a moment to make copies of these documents and store them in a secure place. This can help you provide important info to the proper authorities if they’re lost or stolen.
With data breaches large and small making the news (and many more that do not), keeping a sharp eye on your accounts is a major part of identity theft prevention. We talk about this topic quite often, and it’s worth another mention because protecting these means protecting yourself from thieves who are after direct access to your finances and more.
Secure your digital accounts for banking, credit cards, financials, and shopping by using strong, unique passwords for each of your accounts that you change every 60 days. Sound like a lot of work? Let a password manager do it for you, which you can find in comprehensive online protection software. By changing your strong passwords and keeping them unique can help prevent you from becoming a victim if your account information is part of a breach—by the time a crook attempts to use it, you may have changed it and made it out of date.
In addition to protecting the core forms of identity mentioned above, a few other good habits go a long way toward keeping your identity secure.
By protecting your devices, you protect what’s on them, like your personal information. Comprehensive online protection software can protect your identity in several ways, like creating and managing the strong, unique passwords we talked about and providing further services that monitor and protect your identity—in addition to digital shredders that can permanently remove sensitive documents (simply deleting them won’t do that alone.) Further, it can monitor your identity and monitor your credit, further protecting you from theft and fraud.
Identity theft where thieves dig through trash or go “dumpster diving” for literal scraps of personal info in bills and statements, has been an issue for some time. You can prevent it by shredding up any paper medical bills, tax documents, and checks once you’re through with them. Paper shredders are inexpensive, and let’s face it, kind of fun too. Also, if you’re traveling, have a trusted someone collect your mail or have the post office put a temporary hold on your mail. Thieves still poach mail from mailboxes too.
Getting statements online cuts the paper out of the equation and thus removes another thing that a thief can physically steal and possibly use against you. Whether you use electronic statements through your bank, credit card company, medical provider, or insurance company, use a secure password and a secure connection provided by a VPN. Both will make theft of your personal info far tougher on identity thieves.
A VPN is a Virtual Private Network, a service that protects your data and privacy online. It creates an encrypted tunnel to keep you more anonymous online by masking your IP address, device information, and the data you’re passing along that connection. In this way, it makes it far more difficult for advertisers, data brokers, and bad actors to skim your private information—in addition to shielding your information from crooks and snoops while you’re banking, shopping, or handling any kind of sensitive information online.
Give your statements a close look each time they come around. While many companies and institutions have fraud detection mechanisms in place, they don’t always catch every instance of fraud. Look out for strange purchases or charges and follow up with your bank or credit card company if you suspect fraud. Even the smallest charge could be a sign that something shady is afoot.
This is a powerful tool for spotting identity theft. And in many cases, it’s free to do so. In the U.S., the Fair Credit Reporting Act (FCRA) requires the major credit agencies to provide you with a free credit check at least once every 12 months. Canada provides this service, and the UK has options to receive free reports as well, along with several other nations. It’s a great idea to check your credit report, even if you don’t suspect a problem.
If the thought of your personal info being bought and sold puts you off, there’s something you can do about it. Our Personal Data Cleanup service can scan some of the riskiest data broker sites and show you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites, and with select products, it can even manage the removal for you.
While thieves need more than just your name and address to commit the overwhelming majority of fraud, your name and address are centerpieces of the larger jigsaw puzzle that is your overall identity.
And the interesting thing is your puzzle gets larger and larger as time goes on. With each new account you create and service that you sign into, that’s one more piece added to the puzzle. Thieves love getting their hands on any pieces they can because with enough of them in place, they can try and pull a fast one in your name. By looking after each piece and knowing what your larger jigsaw puzzle looks like, you can help keep identity thieves out of your business and your life.
The post Can Thieves Steal Identities With Only a Name and Address? appeared first on McAfee Blog.
Elder scams cost seniors in the U.S. some $3 billion annually. And tax season adds a healthy sum to that appalling figure.
What makes seniors such a prime target for tax scams? The Federal Bureau of Investigation (FBI) states several factors. For one, elders are typically trusting and polite. Additionally, many own their own home, have some manner of savings, and enjoy the benefits of good credit—all of which make for an ideal victim profile.
Also according to the FBI, elders may be less able or willing to report being scammed because they may not know the exact way in which they were scammed, or they may feel a sense of shame over it, or even some combination of the two. Moreover, being scammed may instill fear that family members will lose confidence in their ability to look after their own affairs.
If there’s one thing that we can do for our elders, it’s help them raise their critical hackles so they can spot these scams and stop them in their tracks, particularly around tax time. With that, let’s see how crooks target elders, what those scams look and feel like, along with the things we can do to keep ourselves and our loved ones from getting stung.
The phone rings, and an assertive voice admonishes an elder for non-payment of taxes. The readout on the caller ID shows “Internal Revenue Service” or “IRS,” the person cites an IRS badge number, and the victim is told to pay now via a wire transfer or prepaid gift card. The caller even knows the last four digits of their Social Security Number (SSN). This is a scam.
The caller, and the claim of non-payment, are 100 percent bogus. Even with those last four digits of the SSN attempting to add credibility, it’s still bogus. (Chances are, those last four digits were compromised elsewhere and ended up in the hands of the thieves by way of the black market or dark web so that they could use them in scams just like these.)
Some IRS imposter scams take it a step further. Fraudsters will threaten victims with arrest, deportation, or other legal action, like a lien on funds or the suspension of a driver’s license. They’ll make repeated calls as well, sometimes with additional imposters posing as law enforcement as a means of intimidating elders into payment.
The IRS will never threaten you or someone you know in such a way.
In fact, the IRS will never call you to demand payment. Nor will the IRS ever ask you to wire funds or pay with a gift card or prepaid debit card. And if the IRS claims you do owe funds, you will be notified of your rights as a taxpayer and be given the opportunity to make an appeal. If there’s any question about making payments to the IRS, the IRS has specific guidelines as to how to make a payment properly and safely on their official website.
It’s also helpful to know what the IRS will do in the event you owe taxes. In fact, they have an entire page that spells out how to know it’s really the IRS calling or knocking at your door. It’s a quick read and a worthwhile one at that.
In all, the IRS will contact you by mail or in person. Should you get one of these calls, hang up. Then, report it. I’ll include a list of ways you can file a report at the end of the article.
Whether it’s a disembodied voice generated by a computer or a scripted message that’s been recorded by a person, robocalls provide scammers with another favorite avenue of attack. The approach is often quite like the phone scam outlined above, albeit less personalized because the attack is a canned robocall. However, robocalls allow crooks to cast a much larger net in the hopes of illegally wresting money away from victims. In effect, they can spam hundreds or thousands of people with one message in the hopes of landing a bite.
While perhaps not as personalized as other imposter scams, they can still create that innate sense of unease of being contacted by the IRS and harangue a victim into dialing a phony call center where they are further pressured into paying by wire or with a prepaid card, just like in other imposter scams. As above, your course of action here is to simply hang up and report it.
Here’s another popular attack. An elder gets an unsolicited email from what appears to be the IRS, yet isn’t. The phony email asks them to update or verify their personal or financial information for a payment or refund. The email may also contain an attachment which they are instructed to click and open. Again, all of these are scams.
Going back to what we talked about earlier, that’s not how the IRS will contact you. These are phishing attacks aimed at grifting prized personal and financial information that scammers can use to commit acts of theft or embezzlement. In the case of the attachment, it very well may contain malware that can do further harm to their device, finances, or personal information.
If you receive one of these emails, don’t open it. And certainly don’t open any attachments—which holds true for any unsolicited email you receive with an attachment.
Beyond simply knowing how to spot a possible attack, you can do several things to prevent one from happening in the first place.
First let’s start with some good, old-fashioned physical security. You may also want to look into purchasing a locking mailbox. Mail and porch theft are still prevalent, and it’s not uncommon for thieves to harvest personal and financial information by simply lifting it from your mailbox.
Another cornerstone of physical security is shredding paper correspondence that contains personal or financial information, such as bills, medical documents, bank statements and so forth. I suggest investing a few dollars on an actual paper shredder, which are typically inexpensive if you look for a home model. If you have sensitive paper documents in bulk, such as old tax records that you no longer need to save, consider calling upon a professional service that can drive up to your home and do that high volume of shredding for you.
Likewise, consider the physical security of your digital devices. Make sure you lock your smartphones, tablets, and computers with a PIN or password. Losing a device is a terrible strain enough, let alone knowing that the personal and financial information on them could end up in the hands of a crook. Also see if tracking is available on your device. That way, enabling device tracking can help you locate a lost or stolen item.
There are plenty of things you can do to protect yourself on the digital front too. Step one is installing comprehensive security software on your devices. This will safeguard you in several ways, such as email filters that will protect you from phishing attacks, features that will warn you of sketchy links and downloads, plus further protection for your identity and privacy—in addition to overall protection from viruses, malware, and other cyberattacks.
Additional features in comprehensive security software that can protect you from tax scams include:
And here’s one item that certainly bears mentioning: dispose of your old technology securely. What’s on that old hard drive of yours? That old computer may contain loads of precious personal and financial info on it. Look into the e-waste disposal options in your community. There are services that will dispose of and recycle old technology while doing it in a secure manner so the data and info on your device doesn’t see the light of day again.
As said earlier, don’t let a bad deed go unreported. The IRS offers the following avenues of communication to report scams.
In all, learning to recognize the scams that crooks aim at elders and putting some strong security measures in place can help prevent these crimes from happening to you or a loved one. Take a moment to act. It’s vital, because your personal information has a hefty price tag associated with it—both at tax time and any time.
The post How to Spot, and Prevent, the Tax Scams That Target Elders appeared first on McAfee Blog.
There’s little rest for your hard-working smartphone. If you’re like many professionals today, you use it for work, play, and a mix of personal business in between. Now, what if something went wrong with that phone, like loss or theft? Worse yet, what if your smartphone got hacked? Let’s try and keep that from happening to you.
Globally, plenty of people pull double duty with their smartphones. In Spain, one survey found that 55% of people use the same phone for a mix of personal and and work activity. The same survey showed that up to half of people interviewed in Japan, Australia, and the U.S. do so as well, while nations like the UK and Germany trailed at 31% and 23% respectively.
Whether these figures trend on the low or high end, the security implications remain constant. A smartphone loaded with business and personal data makes for a desirable target. Hackers target smartphones because they’re often unprotected, which gives hackers an easy “in” to your personal information and to any corporate networks you may use. It’s like two hacks with one stone.
Put simply, as a working professional with a smartphone, you’re a high-value target.
As both a parent and a professional, I put together a few things you can do to protect your smartphone from hacks so that you can keep your personal and work life safe:
First up, the basics. Locking your phone with facial ID, a fingerprint, pattern or a pin is your most basic form of protection, particularly in the event of loss or theft. (Your options will vary depending on the device, operating system, and manufacturer.) Take it a step further for even more protection. Secure the accounts on your phone with strong passwords and use two-factor authentication on the apps that offer it, which doubles your line of defense.
Or, put another way, don’t hop onto public Wi-Fi networks without protection. A VPN masks your connection from hackers allowing you to connect privately when you are on unsecure public networks at airports, cafes, hotels, and the like. With a VPN connection, you’ll know that your sensitive data, documents, and activities you do are protected from snooping, which is definitely a great feeling given the amount of personal and professional business we manage with our smartphones.
Both Google Play and Apple’s App Store have measures in place to help prevent potentially dangerous apps from making it into their stores. Malicious apps are often found outside of the app stores, which can run in the background and compromise your personal data like passwords, credit card numbers, and more—practically everything that you keep on your phone. Further, when you are in the app stores, look closely at the descriptions and reviews for apps before you download them. Malicious apps and counterfeits can still find their way into stores, and here are a few ways you can keep those bad apps from getting onto your phone.
Backing up your phone is always a good idea for two reasons:
Both iPhones and Android phones have straightforward ways of backing up your phone regularly.
Worst case scenario—your phone is gone. Really gone. Either it’s hopelessly lost or got stolen. What now? Lock it remotely or even wipe its data entirely. While that last bit about wiping the phone seems like a drastic move, if you maintain regular backups as mentioned above, your data is secure in the cloud—ready for you to restore. In all, this means that hackers won’t be able to access you, or your company’s, sensitive information—which can keep you out of trouble and your professional business safe. Apple provides iOS users with a step-by-step guide for remotely wiping devices, and Google offers up a guide for Android users as well.
We all download apps, use them once, and then forget they are on our phone. Take a few moments to swipe through your screen and see which ones you’re truly done with and delete them along with their data. Some apps have an account associated with them that may store data off your phone as well. Take the extra step and delete those accounts so any off-phone data is deleted.
The reason for this is that every extra app is another app that needs updating or that may have a security issue associated with it. In a time of data breaches and vulnerabilities, deleting old apps is a smart move. As for the ones you keep, update them regularly and turn on auto-updates if that’s an option. Updates not only introduce new features to apps, but they also often address security issues too.
With so much of your life on your phone, getting security software installed on it can protect you and the things you keep on your phone. Whether you’re an Android owner or iOS owner, mobile security software can keep your data, your shopping, and payments secure.
The post 7 Tips to Protect Your Smartphone from Getting Hacked appeared first on McAfee Blog.
According to reports from the Federal Trade Commission’s Consumer Sentinel database, text message scams swindled $330 million from Americans in 2022 alone. The staggering figure highlights a growing concern for consumers globally, who increasingly interact with brands and service providers via text, email, and even social media. As our reliance on technology continues, it is important for everyone to understand how to spot scam texts amid the real messages they receive. amid the real messages they receive.
With such frequent communication from brands and organizations, you can be hard-pressed to figure out what is a scam or not. This practical and actionable advice may be able to help you spot the imposters and protect yourself against even the most hard-to-identify scam messages.
Most of us probably avoid reading disclaimers and terms of service from brands and organizations. Paying attention to guidelines for how an organization will contact you will help you stay safe from scams. Just take it from entertainment host, Andy Cohen.
Cohen received an email he thought was from his bank’s fraud department. Later, the scammer texted Cohen claiming to be from the bank, asking for more information. Cohen ended up sending the scammer money because he believed they were a bank representative. These days, many banks and brands have FYIs on their website about how to spot a legitimate text. Like this page from Chase, which goes over what a real Chase text looks like.
We have a similar disclosure on our site. For example, our customer service teams will never request sensitive information such as social security numbers, PINs, or bank or payment details. As soon as you sign up for a new account, it’s a good idea to check for this sort of disclaimer and familiarize yourself with contact methods and the type of information organizations might request.
Scam messages are so successful because scammers make them look real. During the holidays, when shoppers are ready to leap at deals, scam messages can be hard to resist. With an increased volume of scam texts during major shopping seasons, it’s no wonder open rates can be as high as 98%.
Consumers can protect themselves against realistic-looking scam messages by verifying the source of the message. If an email hits your mobile inbox, click on the sender’s name to expand their full email address. Typical brand emails will have a “do not reply” somewhere in the address or an official “@branddomain.com” email address. Scam email addresses often appear as strings of gibberish.
If unsure whether a text from a company is real, log into your account directly to see if it reflects the overdue bill or extra store credit that the text message suggests.
Knowing about the latest cybersecurity trends is always good practice. Scammers change their tactics constantly. Text scams that were popular one year may be totally out of style the next time you get a scam message.
Individuals looking for a place to start can check out FTC, FBI, and CISA websites. Those agencies offer valuable insights about fraud trends, and recommendations about how people can protect themselves. The Better Business Bureau (BBB) has an interactive scam tracking tool, and AARP provides tips for older Americans who may not be as in tune with the latest tech trends and tools.
Thankfully, the software designed to protect against scams evolves, as well. Consumers can turn to product suites that offer features like finding and removing personal info from sites that sell it, adjusting social media controls and even providing alerts about suspicious financial transactions.
For scam texts, AI is here to help. McAfee Scam Protection uses AI to scan SMS text messages and alert you about unsafe links. Users can delete those messages without opening them, reducing the risk of compromise and removing any question about whether the message is fraudulent or real.
The $330 million figure is a stark reminder of growing fraud. As we continue into the digital age, the threat of fraudulent communications from scammers looms. To safeguard against bad actors, consumers must be proactive. By paying attention to brand communication guidelines, verifying the source of messages, remaining educated and using modern privacy and identity products, consumers can avoid scams before they start.
The post Scam or Not? How to Tell Whether Your Text Message Is Real appeared first on McAfee Blog.
Did you just get word that your personal information may have been caught up in a data breach? If so, you can take steps to protect yourself from harm should your info get into the hands of a scammer or thief.
How does that information get collected in the first place? We share personal information with companies for multiple reasons simply by going about our day—to pay for takeout at our favorite restaurant, to check into a hotel, or to collect rewards at the local coffee shop. Of course, we use our credit and debit cards too, sometimes as part of an online account that tracks our purchase history.
In other words, we leave trails of data practically wherever we go these days, and that data is of high value to hackers. Thus, all those breaches we read about.
Whether it’s a major breach that exposes millions of records or one of many other smaller-scale breaches like the thousands that have struck healthcare providers, each one serves as a reminder that data breaches happen regularly and that we could find ourselves affected. Depending on the breach and the kind of information you’ve shared with the business or organization in question, information stolen in a breach could include:
What do crooks do with that data? Several things. Apart from using it themselves, they may sell that data to other criminals. Either way, this can lead to illicit use of credit and debit cards, draining of bank accounts, claiming tax refunds or medical expenses in the names of the victims, or, in extreme cases, assuming the identity of others altogether.
In all, data is a kind of currency in of itself because it has the potential to unlock several aspects of victim’s life, each with its own monetary value. It’s no wonder that big breaches like these have made the news over the years, with some of the notables including:
As mentioned, these are big breaches with big companies that we likely more than recognize. Yet smaller and mid-sized businesses are targets as well, with some 43% of data breaches involving companies of that size. Likewise, restaurants and retailers have seen their Point-of-Sale (POS) terminals compromised, right on down to neighborhood restaurants.
When a company experiences a data breach, customers need to realize that this could impact their online safety. If your favorite coffee shop’s customer database gets leaked, there’s a chance that your personal or financial information was exposed. However, this doesn’t mean that your online safety is doomed. If you think you were affected by a breach, you can take several steps to protect yourself from the potential side effects.
One of the most effective ways to determine whether someone is fraudulently using one or more of your accounts is to check your statements. If you see any charges that you did not make, report them to your bank or credit card company immediately. They have processes in place to handle fraud. While you’re with them, see if they offer alerts for strange purchases, transactions, or withdrawals.
Our credit monitoring service can help you keep an eye on this. It monitors changes to your credit score, report, and accounts with timely notifications and guidance so you can take action to tackle identity theft.
Breached and stolen information often ends up in dark web marketplaces where hackers, scammers, and thieves purchase it to commit yet more crime. Once it was difficult to know if your information was caught up in such marketplaces, yet now an identity monitoring service can do the detective work for you.
Our service monitors the dark web for your personal info, including email, government IDs, credit card and bank account info, and more. This can help keep your personal info safe with early alerts that show you if your data is found on the dark web, an average of 10 months ahead of similar services. From there, you’ll get guidance that you can act on, which can help protect your info and accounts from theft.
If you suspect that your data might have been compromised, place a fraud alert on your credit. This not only ensures that any new or recent requests undergo scrutiny, but also allows you to have extra copies of your credit report so you can check for suspicious activity. You can place one fraud alert with any of the three major credit reporting agencies (Equifax, Experian, TransUnion) and they will notify the other two. A fraud alert typically lasts for a year, although there are options for extending it as well.
Freezing your credit will make it highly difficult for criminals to take out loans or open new accounts in your name, as a freeze halts all requests to pull your credit—even legitimate ones. In this way, it’s a far stronger measure than placing a fraud alert. Note that if you plan to take out a loan, open a new credit card, or other activity that will prompt a credit report, you’ll need to take extra steps to see that through while the freeze is in place. (The organization you’re working with can assist with the specifics.) Unlike the fraud alert, you’ll need to contact each major credit reporting agency to put one in place. Also, a freeze lasts as long as you have it in place. You’ll have to remove it yourself, again with each agency.
You can centrally manage this process with our security freeze service, which stops companies from looking at your credit profile, and thus halts the application process for loans, credit cards, utilities, new bank accounts, and more. A security freeze won’t affect your credit score.
Ensure that your passwords are strong and unique. Many people utilize the same password or variations of it across all their accounts. Therefore, be sure to diversify your passcodes to ensure hackers cannot obtain access to all your accounts at once, should one password be compromised. You can also employ a password manager to keep track of your credentials, such as the one you’ll find in comprehensive online protection software.
If the unfortunate happens to you, an identity theft coverage & restoration service can help you get back on your feet. Ours offers $1 million in coverage for lawyer fees, travel expenses, and stolen funds reimbursement. It further provides support from a licensed recovery expert who can take the needed steps to repair your identity and credit. In all, it helps you recover the costs of identity theft along with the time and money it takes to recover from it.
You can take this step any time, even if you haven’t been caught up in a data breach. The fact is that data broker companies collect and sell thousands of pieces of information on millions and millions of people worldwide, part of a global economy estimated at $200 billion U.S. dollars a year. And they’ll sell it to anyone—from advertisers for their campaigns, to scammers who will use it for spammy emails, texts, and calls, and to thieves who use that information for identity theft.
Yet you can clean it up. Our personal data cleanup service can scan some of the riskiest data broker sites and show you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites and, with select products, even manage the removal for you.
Comprehensive online protection software will offer you the tools and services listed above, along with further features that can protect you online. That includes a VPN to keep your time online more private from online data collection while protecting it from thieves who’re out to steal credit card and account information. It also includes web browsing protection that can warn you of sketchy websites and malicious downloads that look to steal your information. In all, it’s thorough protection for your devices, privacy, and identity. And in a time of data breaches, that kind of protection has become essential.
The post How to Protect Yourself From Identity Theft After a Data Breach appeared first on McAfee Blog.
Over the past year and a half, workers everywhere have gotten used to working from home. They have adopted an entirely new work from home mindset and diverted their weekly commuting hours to other productive and more enjoyable pursuits. As parts of the world return to a “new normal,” another change is on the way: a gradual return to the office.
The hybrid working model is met with mixed reviews from employees and business security teams alike. For some employees, a clearer separation between work and home is a welcome change. CTV News reports 66% of Canadian respondents to an International Workplace Group poll say they are looking forward to splitting their working hours between the office and home.
For business security teams who are just catching their breath after the monumental shift to a remote workforce, they are now gearing up for the new online safety challenges posed by the hybrid work model. According to a VMware Canada Threat Report, 86% of security professionals agree that cyberattacks aimed at their organizations have become more sophisticated since the onset of the pandemic. Additionally, 91% of global respondents cite employees working from home as the cause of cyberattacks. Challenges of the hybrid workforce include the constant back-and-forth of company-issued devices, the lack of control over home office setups, and mixing personal and company devices with company and personal business respectively. For example, if you pay your bills or shop online using your work device, it opens several new avenues for a hacker to walk right onto the corporate network. When your guard is down even a little bit when you are off the clock, you could fall victim to e-skimmers, fake login pages, or phishing scams.
No matter how advanced your company’s threat detection system, hackers know where vulnerabilities lie and are on the hunt to exploit them. Check out these tips to ensure you are not the weak link in your organization.
A virtual private network (VPN) is a service that scrambles online browsing data, making it impossible for nefarious characters to decipher your activity. This is an excellent way to deter hackers from tracking your movements and picking up sensitive pieces of information.
VPNs are essential if you are working in a public area, sharing a wireless network with strangers, or using a Wi-Fi connection that is not password protected. Public Wi-Fi networks are notoriously easy pickings for hackers seeking entry into unsuspecting users’ devices. On the days where you are not in the office, make sure your wireless connection is secure.
While a VPN is an excellent tool, security measures and your accounts are vulnerable without a strong and private password or passphrase to protect them. The gigantic Colonial Pipeline hack is being blamed on a hacker gaining entry through an unused VPN that was not secured with multifactor authentication. Multifactor authentication is an online safety measure where more than one method of identity verification is needed to access the valuable information that lies within password-protected accounts.
Consider using a password manager to organize all your passwords and logins. Password managers remember each pairing so you don’t have to, plus most managers are secured with multifactor authentication. A password manager makes it easier to add variety to your passwords and prevents you from ever having to write them down.
Professionals who travel between their home and an office are likely transporting their devices back and forth, increasing the number of opportunities for devices to be forgotten at either location or in transit. As convenient as it may be, never use your personal device for official business. Even if you pride yourself on sound online safety habits, your company device likely has more defenses ingrained in its hardware than your personal devices.
With your personal devices, you should carefully vet everything you download. With your work-issued devices, this vetting process is even more important as company information is at stake. The Information and Privacy Commissioner of Ontario states that employees should never download applications to their work devices without permission from the IT team. Apps and programs often have security vulnerabilities that could open a gateway for hackers.
Zero Trust is a security philosophy that is exactly what it sounds like: trust no one. Businesses are employing Zero Trust models to greatly limit who has access to sensitive data sources. Adopt your own personal Zero Trust philosophy concerning your passwords, logins, and device access. This means never sharing passwords or log in details, especially over email, instant messenger, or over a video conference. Hackers commonly eavesdrop on all three mediums. Also, even your most trusted coworker could mishandle your passwords and login details, such as writing them down and leaving them in a public place.
A key aspect of the Zero Trust model is only granting employees access to platforms that are vital to their job. Sharing your logins with coworkers who may not be authorized for using that platform undermines all the hard work the IT team does to keep tabs on data access.
Every time you turn on the nightly news, another ransomware attack has hit another organization, each one bigger than the last. This heightened prevalence is a reflection on the wiliness of hackers, but also the number of security holes every company must plug.
There are several vulnerable points of entry in every company, and some of those vulnerabilities are heightened by the hybrid work model. Always heed the advice of your company’s IT team, and make sure to do your part to keep your devices and work information secure.
The post Hybrid Workplace Vulnerabilities: 4 Ways to Promote Online Safety appeared first on McAfee Blog.
When you open your laptop or your mobile device, what is the first thing you do? Do you head to your favorite social media site to skim the latest news, or do you place your weekly grocery delivery order? No matter what your daily online habits are, even the slightest degree of caution can go a long way in staying secure online.
That’s because hackers are experts at hiding malware in your everyday online routines, or even infiltrating your cookies to steal login information and learn about your personal preferences.
According to a StatsCan Canadian internet use survey, six out of ten internet users reported experiencing a cybersecurity incident. There are many hoops to jump through when navigating the digital landscape. By taking the necessary steps to remedy vulnerabilities in your digital activity, you can dramatically improve your online protection.
Cybercriminals take advantage of online users through routine avenues you would not expect. Here are three common ways that cybercriminals eavesdrop on online users.
Adware, or advertising-supported software, generates ads in the user interface of a person’s device. Adware is most often used to generate revenue for the developer by targeting unsuspecting online users with personalized ads paid by third parties. These third parties usually pay per view, click, or application installation.
Though not always malicious, adware crosses into dangerous territory when it is downloaded without a user’s consent and has nefarious intent. In this case, the adware becomes known as a potentially unwanted application (PUA) that can remain undetected on users’ devices for long periods of time. According to a report by the Cybersecure Policy Exchange, an unintentionally installed or downloaded computer virus or piece of malware is one of the top five cybercrimes that Canadians experience. The PUA can then create issues like frequent crashes and slow performance.
Users unknowingly download adware onto their device when they download a free ad-supported program or visit a non-secure site that does not use the Hypertext Transfer Protocol Secure (HTTPS) to encrypt online communication.
Hackers also use invasive tactics known as ad injections, where they inject ads with malicious code for increased monetary gain. This is a practice known as “malvertising.” If a user clicks on a seemingly legitimate and well-placed ad, they risk exposing themselves to numerous online threats. These ads can be infected with malware such as viruses or spyware. For example, hackers can exploit browser vulnerabilities to download malware, steal information about the device system, and gain control over its operations. Hackers can also use malvertising to run fraudulent tech support scams, steal cookie data, or sell information to third-party ad networks.
Another vulnerability that many may not realize is their browser’s built-in autofill functions. As tempting as it is to use your browser’s autofill function to populate a long form, this shortcut may not be safe. Cybercriminals have found ways to capture credentials by inserting fake login boxes onto a web page that users cannot see. So, when you accept the option to autofill your username and password, you are also populating these fake boxes.
Take a proactive approach to your digital protection the next time you are browsing the internet by reassessing your online habits. Check out these five tips to ensure you are staying as safe as possible online.
Cookie data can contain anything from login information to credit card numbers. Cybercriminals looking to exploit this information can hijack browser sessions to pose as legitimate users and steal cookies as they travel across networks and servers. As a result, it is essential for online users to regularly clear out their cookies to better protect their information from falling into the wrong hands. Navigate to your browser’s history, where you can wipe the data associated with each browser session, including your cookies.
Clearing your browser’s cookie data will also remove your saved logins, which is why leveraging a password manager can make it easier to access regularly visited online accounts.
Many browsers come with a built-in password generator and manager; however, it is better to entrust your logins and password to a reputable password manager. Browser password managers are not as secure as password managers, because anyone who has access to your device will also access your online information. A password manager, provides a more secure solution since it requires you to log in with a separate master password. A password manager also works across various browsers and can generate stronger passwords than those created by your browser.
In addition to clearing cookie data, users should adjust their browser settings to ensure their online sessions remain private.
Another option is to access the internet in Private Browsing Mode to automatically block third-party tracking, making it a quick and easy option to ensure private browsing. Users can also enable the “do not track” function of their browser to prevent third-party tracking by advertisers and websites. Additionally, you can adjust your browser settings to block pop-up ads and control site permissions, such as access to cameras and locations.
Ad blockers suppress unwanted and potentially malicious ads to ensure a safer browsing experience. Ad blockers can also make it easier to view page layout by removing distracting ads and optimizing page load speed. Additionally, they prevent websites from tracking your information that third parties can sell.
Deploying a security solution like McAfee+ Ultimate ensures the safest internet browsing experience through a holistic approach for threat detection, protection, and remediation. Equipped with a password manager, antivirus software, and firewall protection, users can effectively sidestep online threats while browsing the internet. Moreover, it includes comprehensive privacy and identity protection, such as our Personal Data Cleanup, dark web monitoring, credit monitoring, along with ways you can quickly Lock or freeze your credit file to help prevent accounts from being opened in your name.
Your online behavior can say a lot about you so make sure you safeguard your internet protection. Whether it is through malvertising or invisible forms, hackers can glean information to paint a picture of who you are to target you through deceptive tactics. Cybercriminals are always looking for vulnerabilities which is why assessing your online habits sooner rather than later is a critical first step to smarter online browsing.
The post How to Protect Your Online Privacy appeared first on McAfee Blog.
AI has made the dating scene. In a big way. Nearly one in four Americans say they’ve spiced up their online dating photos and content with artificial intelligence (AI) tools. Yet that might do more harm than good, as 64% of people also said that they wouldn’t trust a love interest who used AI-generated photos in their profiles.
That’s only two of the findings from this year’s Modern Love research. Our second annual study surveyed 7,000 people in seven countries to discover how AI and the internet are changing love and relationships. And it should come as no surprise that AI has ushered in several hefty changes.
In all, we found that mixing love and AI has its ups and downs. For one, people cite how effective AI is. Almost 7 in 10 people said they got more interest and better responses using AI-generated content than their own. However, people also said they didn’t like receiving AI-coded sentiments. Some 57% said they’d be hurt or offended if they found out their Valentine’s message was written by AI.
The tricky part is this — people still find it tough to spot AI content. Only 24% of people said they were sure they could tell if a message or love letter was written by an AI tool like ChatGPT. Still, 42% said they saw fake profiles or photos on dating sites, apps, and social media in the past year.
Moreover, two-thirds of people said that they’re more concerned about phony AI-created content now than they were a year ago. As further findings from McAfee Labs show, those concerns have their roots in reality.
Without question, the rise of powerful AI tools has complicated the online dating landscape. In particular, AI has made it easier for romance scammers to trick people looking for love online. They can ramp up their scams more quickly and with more sophistication than ever before.
In fact, the McAfee Labs team has seen an increase in Valentine’s campaign themes, including malware campaigns, malicious URLs, and a variety of spam and scams. They expect these numbers will continue to rise as February 14 gets closer. Since late January, our Labs team has uncovered that:
These findings fall right in line with what online daters told us. Nearly one-third of Americans said that an online love interest turned out to be a scammer. Another 14% said they discovered an interest was an AI-bot and not a real person.
What’s at stake in these scams? Money, personal info, and sometimes both.
While many romance scammers make initial contact with their victims on dating websites and apps, they quickly move the conversation elsewhere, such as chat apps like WhatsApp and Telegram. In other cases, they move to texts. This gives scammers an advantage, as many dating platforms have fraud detection measures in place. And it’s here where romance scammers commit theft and fraud.
Large, organized crime operations run many romance scams. Moving the conversation from a dating site or app is often a sign that the victim has been “passed along” to a senior scammer who excels at extracting payments and personal info from victims. People shared the top types of info that scammers tried to tease out of them:
In a dating pool filled with an increasing number of scams and AI content, online daters find themselves doing some detective work.
Our study found that 38% of people said they used reverse image search on profile pictures of people they’ve met on social media or dating sites. Another 60% of respondents said they often use social media to dig into the background of their potential partners. As a result:
And rounding out those findings, 11% said they discovered something else entirely — that their potential special person was already in a relationship.
Online dating has always called for a bit of caution. Now with AI hitting the dating scene, it calls for a little skepticism, if not a little detective work. That, in combination with the right tools to protect your privacy, identity, and personal info, can mean the difference between a budding relationship or heartbreak — whether that’s financial, emotional, or both. The following steps can help:
The past year has brought plenty of change to online dating. People now use AI to pepper up their dating profiles and pics, compose love notes, or come up with a few lines for the inside of a card. Likewise, scammers have welcomed AI just as warmly. They use it to fuel content and chats that swindle victims looking for love, backed by sophisticated and large-scale operations that run like a business.
Yet today’s online daters still have what it takes to spot a fake. They have several tools and protections available to them, many powered by AI that can help them steer clear of heartbreak, both the financial and emotional kind. That, along with a mix of healthy skepticism and detective work, they can still date online with confidence, even as AI continues to make its way onto the dating scene.
Survey Methodology
The survey was conducted online between January 2024 by Market Research Company, MSI-ACI via email inviting people 18 years and older to complete an online questionnaire. In total 7,000 adults completed the survey from 7 countries included the United States, United Kingdom, France, Germany, Australia, India, and Japan.
The post Love Bytes – How AI is shaping Modern Love appeared first on McAfee Blog.
Deep fakes are a growing concern in the age of digital media and can be extremely dangerous for school children. Deep fakes are digital images, videos, or audio recordings that have been manipulated to look or sound like someone else. They can be used to spread misinformation, create harassment, and even lead to identity theft. With the prevalence of digital media, it’s important to protect school children from deep fakes.
Educating students on deep fakes is an essential step in protecting them from the dangers of these digital manipulations. Schools should provide students with information about the different types of deep fakes and how to spot them.
Media literacy is an important skill that students should have in order to identify deep fakes and other forms of misinformation. Schools should provide students with resources to help them understand how to evaluate the accuracy of a digital image or video.
Schools should emphasize the importance of digital safety and provide students with resources on how to protect their online identities. This includes teaching students about the risks of sharing personal information online, using strong passwords, and being aware of phishing scams.
Schools should monitor online activity to ensure that students are not exposed to deep fakes or other forms of online harassment. Schools should have policies in place to protect students from online bullying and harassment, and they should take appropriate action if they find any suspicious activity.
By following these tips, schools can help protect their students from the dangers of deep fakes. Educating students on deep fakes, encouraging them to be media literate, promoting digital safety, and monitoring online activity are all important steps to ensure that school children are safe online.
Through quipping students with the tools they need to navigate the online world, schools can also help them learn how to use digital technology responsibly. Through educational resources and programs, schools can teach students the importance of digital citizenship and how to use digital technology ethically and safely. Finally, schools should promote collaboration and communication between parents, students, and school administration to ensure everyone is aware of the risks of deep fakes and other forms of online deception.
Deep fakes have the potential to lead to identity theft, particularly if deep fakes tools are used to steal the identities of students or even teachers. McAfee’s Identity Monitoring Service, as part of McAfee+, monitors the dark web for your personal info, including email, government IDs, credit card and bank account info, and more. We’ll help keep your personal info safe, with early alerts if your data is found on the dark web, so you can take action to secure your accounts before they’re used for identity theft.
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With the rise of artificial intelligence (AI) and machine learning, concerns about the privacy of personal data have reached an all-time high. Generative AI is a type of AI that can generate new data from existing data, such as images, videos, and text. This technology can be used for a variety of purposes, from facial recognition to creating “deepfakes” and manipulating public opinion. As a result, it’s important to be aware of the potential risks that generative AI poses to your privacy.
In this blog post, we’ll discuss how to protect your privacy from generative AI.
Generative AI is a type of AI that uses existing data to generate new data. It’s usually used for things like facial recognition, speech recognition, and image and video generation. This technology can be used for both good and bad purposes, so it’s important to understand how it works and the potential risks it poses to your privacy.
Generative AI can be used to create deepfakes, which are fake images or videos that are generated using existing data. This technology can be used for malicious purposes, such as manipulating public opinion, identity theft, and spreading false information. It’s important to be aware of the potential risks that generative AI poses to your privacy.
Generative AI uses existing data to generate new data, so it’s important to be aware of what data you’re sharing online. Be sure to only share data that you’re comfortable with and be sure to use strong passwords and two-factor authentication whenever possible.
There are a number of privacy-focused tools available that can help protect your data from generative AI. These include tools like privacy-focused browsers, VPNs, and encryption tools. It’s important to understand how these tools work and how they can help protect your data.
It’s important to stay up-to-date on the latest developments in generative AI and privacy. Follow trusted news sources and keep an eye out for changes in the law that could affect your privacy.
By following these tips, you can help protect your privacy from generative AI. It’s important to be aware of the potential risks that this technology poses and to take steps to protect yourself and your data.
Of course, the most important step is to be aware and informed. Research and organizations that are using generative AI and make sure you understand how they use your data. Be sure to read the terms and conditions of any contracts you sign and be aware of any third parties that may have access to your data. Additionally, be sure to look out for notifications of changes in privacy policies and take the time to understand any changes that could affect you.
Finally, make sure to regularly check your accounts and reports to make sure that your data is not being used without your consent. You can also take the extra step of making use of the security and privacy features available on your device. Taking the time to understand which settings are available, as well as what data is being collected and used, can help you protect your privacy and keep your data safe.
This blog post was co-written with artificial intelligence (AI) as a tool to supplement, enhance, and make suggestions. While AI may assist in the creative and editing process, the thoughts, ideas, opinions, and the finished product are entirely human and original to their author. We strive to ensure accuracy and relevance, but please be aware that AI-generated content may not always fully represent the intent or expertise of human-authored material.
The post How to Protect Your Privacy From Generative AI appeared first on McAfee Blog.
AI scams are becoming increasingly common. With the rise of artificial intelligence and technology, fraudulent activity is becoming more sophisticated and sophisticated. As a result, it is becoming increasingly important for families to be aware of the dangers posed by AI scams and to take steps to protect themselves.
By taking these steps, you can help protect your family from AI scams. Educating yourself and your family about the potential risks of AI scams, monitoring your family’s online activity, using strong passwords, installing anti-virus software, and checking your credit report regularly can help keep your family safe from AI scams.
No one likes to be taken advantage of or scammed. By being aware of the potential risks of AI scams, you protect your family from becoming victims.
In addition, it is important to be aware of emails or texts that appear to be from legitimate sources but are actually attempts to entice you to click on suspicious links or provide personal information. If you receive a suspicious email or text, delete it immediately. If you are unsure, contact the company directly to verify that the message is legitimate. By being aware of potential AI scams keep your family safe from financial loss or identity theft.
You can also take additional steps to protect yourself and your family from AI scams. Consider using two-factor authentication when logging in to websites or apps, and keep all passwords and usernames secure. Be skeptical of unsolicited emails or texts never provide confidential information unless you are sure you know who you are dealing with. Finally, always consider the source and research any unfamiliar company or service before you provide any personal information. By taking these steps, you can help to protect yourself and your family from the dangers posed by AI scams.
monitor your bank accounts and credit reports to ensure that no unauthorized activity is taking place. Set up notifications to alert you of any changes or suspicious activity. Make sure to update your security software to the latest version and be aware of phishing attempts, which could be attempts to gain access to your personal information. If you receive a suspicious email or text, do not click on any links and delete the message immediately.
Finally, stay informed and know the signs of scam. Be your online accounts and look out for any requests for personal information. If something looks suspicious, trust your instincts and don’t provide any information. Report any suspicious activity to the authorities and make sure to spread the word to others from falling victim to AI scams.
This blog post was co-written with artifical intelligence (AI) as a tool to supplement, enhance, and make suggestions. While AI may assist in the creative and editing process, the thoughts, ideas, opinions, and the finished product are entirely human and original to their author. We strive to ensure accuracy and relevance, but please be aware that AI-generated content may not always fully represent the intent or expertise of human-authored material.
The post How to Protect Your Family From AI Scams appeared first on McAfee Blog.
Social media is part of our social fabric. So much so that over 56% of the global population are social media users to some degree or other. With all that sharing, conversing, and information passing between family and friends, social media can be a distinct digital extension of ourselves—making it important to know how you can protect your social media accounts from hacks and attacks.
Beyond the sheer number of people who’re on social media, there’s also the amount of time we spend on it. People worldwide spend an average of 147 minutes a day on social media. With users in the U.S. spending just over two hours on social media a day and users in the Philippines spending nearly four hours a day, that figure can vary widely. Yet it’s safe to say that a good portion of our day features time scrolling and thumbing through our social media feeds.
Given how much we enjoy and rely on social media, now’s a fine time to give your social media settings and habits a closer look so that you can get the most out of it with less fuss and worry. Whether you’re using Facebook, Instagram, TikTok, or whatnot, here are several things you can do that can help keep you safe and secure out there:
Passwords mark square one in your protection, with strong and unique passwords across all your accounts forming primary line of defense. Yet with all the accounts we have floating around, juggling dozens of strong and unique passwords can feel like a task—thus the temptation to use (and re-use) simpler passwords. Hackers love this because one password can be the key to several accounts. Instead, try a password manager that can create those passwords for you and safely store them as well. Comprehensive security software will include one.
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting, which can help protect your privacy.
Be critical of the invitations you receive. Out-and-out strangers could be more than just a stranger, they could be a fake account designed to gather information on users for purposes of cybercrime, or they can be an account designed to spread false information. There are plenty of them too. In fact, in Q3 of 2021 alone, Facebook took action on 1.8 billion fake accounts. Reject such requests.
Nothing says “there’s nobody at home right now” like that post of you on vacation or sharing your location while you’re out on the town. In effect, such posts announce your whereabouts to a broad audience of followers (even a global audience, if you’re not posting privately, as called out above). Consider sharing photos and stories of your adventures once you’ve returned.
It’s a famous saying for a reason. Whether your profile is set to private or if you are using an app with “disappearing” messages and posts (like Snapchat), what you post can indeed be saved and shared again. It’s as simple as taking a screenshot. If you don’t want it out there, forever or otherwise, simply don’t post it.
We’re increasingly accustomed to the warnings about phishing emails, yet phishing attacks happen plenty on social media. The same rules apply. Don’t follow any links you get from strangers by way of instant or direct messengers. And keep your personal information close. Don’t pass out your email, address, or other info as well. Even those so-called “quiz” posts and websites can be ruses designed to steal bits and pieces of personal info that can be used as the basis of an attack.
Sadly, social media can also be a place where people pull a fast one. Get-rich-quick schemes, romance cons, and all kinds of imposters can set up shop in ads, posts, and even direct messages—typically designed to separate you from your personal information, money, or both. This is an entire topic to itself, and you can learn plenty more about quizzes and other identity theft scams to avoid on social media.
Some platforms such as Facebook allow users to review posts that are tagged with their profile names. Check your account settings and give yourself the highest degree of control over how and where your tags are used by others. This will help keep you aware of where you’re being mentioned by others and in what way.
Security software can protect you from clicking on malicious links while on social media while steering you clear of other threats like viruses, ransomware, and phishing attacks. It can look out for you as well, by protecting your privacy and monitoring your email, SSN, bank accounts, credit cards, and other personal information. With identity theft a rather commonplace occurrence today, security software is really a must.
Now you can point to a number that shows you just how safe you are with our Protection Score. It’s an industry first, and it works by taking stock of your overall security and grading it on a scale of 0 to 1,000. From there, it calls out any weak spots and then walks you through the steps to shore it up with personalized guidance. This way, you’re always in the know about your security, privacy, and personal identity on social media and practically wherever else your travels take you online.
The post How to Protect Your Social Media Accounts appeared first on McAfee Blog.
We’ve seen how AI can create — and how it can transform our lives. What gets talked about less is how AI protects us too.
Certainly, it’s tough to miss how generative AI has turned sci-fi dreams of the past into today’s reality. From AI apps that help ease loneliness thanks to their human-like conversations, to technology that can predict and manage health risks, to browsers that whip up pieces of art with a prompt, it’s changing the way we go about our day and the way we live our lives.
However, we find ourselves only in generative AI’s earliest days. Countless more applications await over the near and distant horizon alike.
Yet that’s the important thing to remember with AI. It’s an application. A tool. And like any other tool, it’s neutral. Whether it helps or harms comes down to the person using it.
Thus, on the flip side of AI, we’ve seen all manner of shady and damaging applications. Hackers use AI to code new forms of malware at record rates. Scammers spin up convincing-looking phishing attacks and sites that harvest personal info, also at record rates. And we’ve further seen bad actors use so-called “deepfake” technologies to clone the voices and likenesses of public figures, whether for profit or to spread disinformation.
So, amid the excitement about AI, there runs a thread of uncertainty. Recently, we found that 52% of Americans are more concerned than excited about AI in daily life. Only 10% of people said they’re more excited than concerned. Meanwhile, 36% feel a mix of excitement and concern.
Uncertainty prevails, for sure. Yet something often gets overlooked in the conversation about AI: it can offer powerful protections against all manner of threats. Moreover, AI offers particularly potent protections against AI threats.
In this way, AI is your ally. At McAfee, we’ve used it to protect you for nearly a decade now. In fact, AI applications have been around for some time, long before they made headlines like they do now. And we continue to evolve AI technologies to help keep you safe. In the age of AI, McAfee is your ally. Our aim is to give you certainty and safety in rapidly changing times.
Ultimately, here’s what’s at stake today: people want to know what they can trust, and AI has made that tricky. What’s real? What’s fake? It’s getting tougher and tougher to tell.
The future of AI and online safety lies in pairing progress with protection. Here at McAfee, we see this as our role. We’re evolving AI in ways that give people the power to protect their privacy, identity, and devices even better than before. Now, that protection extends yet further. It also gives them the power to know what they can trust whenever they go online.
The time couldn’t be more right for that. Uncertainty about AI prevails. In all, more than half of Americans we talked to said they’re concerned that the arrival of AI has made online scams more accurate and believable.
Our threat detection figures put their concerns into focus:
With that, we ask ourselves, what can AI do for you? How can it keep you safe? Three principles provide the answer:
These principles drive our thinking in significant ways as we pair progress with protection in the age of AI. They stand as our commitment to keeping you safe and certain online, through our existing technologies and entirely new technologies alike.
As we’ve used AI as a core component of our protection for years now, it’s done plenty for you over that time. Our AI has sniffed out viruses, malicious websites, and sketchy content online. It’s helped steer you clear of malicious websites too.
So, the AI you have in your McAfee antivirus, it works like this:
Now we’ve made improvements to our AI-driven protection — and unveiled all-new features that take full advantage of AI, such as McAfee Next-gen Threat Protection and McAfee Scam Protection.
McAfee’s AI-powered security just got faster and stronger. Our Next-gen Threat Protection takes up less disk space, reduces its background processes by 75%, and scans 3x faster than before. This makes your time online safer without slowing down your browsing, shopping, streaming, and gaming.
Results from AV-TEST’s product review in October 2023 saw it block 100% of entirely new malware attacks in real-world testing. It likewise scored 100% against malware discovered in the previous four weeks. In all, it received the highest marks for protection, performance, and usability — earning it the AV-TEST Top Product certification.
Moreover, AI continually gets smarter because every evaluation provides more data for it to learn and improve its accuracy. McAfee conducts over 4 billion threat scans a day, and that number is quickly growing. We continue to innovate with leading-edge AI technology to provide the most advanced and powerful protection available.
The AI-powered scam protection in McAfee+ is like having that lie detector test we mentioned earlier. Advanced AI-powered technology helps prevent you from opening scam texts and blocks risky sites if you accidentally click on a scam link in texts, QR codes, emails, social media posts, and more. This AI-driven scam protection delivers real-time mobile alerts when a scam text is detected and is the only app on the market that sends alerts on both iOS and Android.
Advances in threat protection and scam protection mark just the start of where we’re taking our long-standing use of AI next. Sure, AI has made life easier for hackers and scammers. In some ways. In yet more important ways, it’s making their lives far more difficult. Downright tough in fact, particularly as we use it here at McAfee to detect their scam messages and texts, beat their AI-generated malware, and warn you of their malicious websites. And that’s just for starters. We have more to come.
You can expect to see other fraud-busting and info-validating uses of AI across our online protection software in the months to come. That’s what’s in store as we stand as you ally in the age of AI.
The post How to Stay Safe in the Age of AI appeared first on McAfee Blog.
While you can’t delete your personal info from the internet entirely, you can take strong steps to remove it from risky places. Several where others could tap into it for profit or harm.
Why is it so important to take control of our personal info? It has street value, and it has for some time now. Because so much of business, finance, healthcare, and life in general runs on it, your personal info has a dollar sign to it. Plenty of people want to get a hold of it.
Personal info fuels targeted advertising and marketing campaigns, just as it helps adjusters set insurance rates and healthcare providers make projections about our well-being. Businesses want it for employment background checks. Law enforcement uses it when investigating persons of interest. Banks and credit card companies base their approvals on it. Websites and apps collect it for their own purposes, which they sometimes share or sell to third parties.
And of course, hackers, scammers, and thieves want it too. To steal your identity, drain your accounts, and wage other attacks on you.
No doubt, your personal info has value. High value. And that makes a strong argument for doing what you can to control what you share and where you share it to the best possible degree. With so much that hinges on your personal info, it’s good to know that you can take control in powerful ways. We’ll show how it’s far easier to do that today than ever before.
Taking control of your personal info starts with a look at your digital shadow. Everyone casts one. And like everyone else’s digital shadow, yours gets filled with info about you — personal info stored online across the internet.
For starters, your digital shadow includes things like posts in forums, social media profiles, the posts that you put up there, and other people’s posts that mention you. It includes other sources of info, like pictures of you in an online newsletter, your name listed in the standings of your co-ed soccer league, and a bio of you on your company’s “About Us” page. Online reviews provide potential sources too. In all, this part of your digital shadow grows larger in two ways — as you say more things, and as more things are said about you.
Your shadow grows yet more with the addition of public records. That might include what you paid for your home, who lives there with you, your age, your children, your driving record, education, occupation, and estimated income. It all depends on where you live and what data regulations are in place there. Some regions have stricter privacy rules in place than others when it comes to public records. For example, in the U.S., California, Virginia, Connecticut, Colorado, Utah, Iowa, Indiana, Tennessee, Oregon, Montana, Texas, and Delaware have strong data privacy laws on the books. The European Union has its well-known GDPR, the General Data Protection Regulation, in place.
Then there’s all manner of info about you gathered and sold by online data brokers. Data brokers pull hundreds of data points from public sources, not to mention private sources like supermarket club cards that track your shopping history. Other private sources include info from app developers and websites with less restrictive privacy policies when it comes to sharing and selling info. These data brokers sell personal info to anyone who’ll pay, including hackers, scammers, and spammers.
Finally, a sizable swathe of your shadow comes from info stored on the deep web. It forms the 95% of the internet that’s not searchable. Yet, you likely take trips there daily. Any time you go through a paywall or use a password to access internet content, you’re entering the deep web.
Examples include logging into your bank account, accessing medical records through your healthcare provider, or using corporate web pages as part of your workday. Even streaming a show can involve a trip to the deep web. None of that content is searchable.
What’s in there, aside from your Netflix viewing history? Think of all the info that forms the basis of your credit score, your health history, your financial info, and all the info that websites and advertisers capture about you as you simply spend time online. That’s the deep web too.
A subset of the deep web is the dark web. It’s not searchable as well, and it requires a special browser to access. Some of the sites and data stores found there are entirely legitimate, others questionable, and several are outright illegal. Some of your info might be there too. And yes, you’ll find dark marketplaces here where bad actors put up personal info for sale.
Everyone online indeed has a digital shadow. And some shadows are longer than others.
So, what’s the big deal? That’s how the internet works, right?
That’s a fair question. Part of the answer comes down to how important a person thinks their privacy is. Yet, more objectively, keeping a lower profile online offers better protection from cybercrime.
Consider research published by the science journal Nature, in 2019. Here’s an excerpt from the authors:
Using our model, we find that 99.98% of Americans would be correctly re-identified in any dataset using 15 demographic attributes. Our results suggest that even heavily sampled anonymized datasets are unlikely to satisfy the modern standards for anonymization set forth by GDPR [Europe’s General Data Protection Regulation] and seriously challenge the technical and legal adequacy of the de-identification release-and-forget model.
Put in practical terms, imagine a hacker or snoop gets their hands on a large set of public or private data. Like say, health data about certain medical conditions. Even though that data has been “scrubbed” to make the people in it anonymous, that hacker or snoop only needs 15 pieces of info to identify you in that mix. From there, they could pinpoint any health conditions linked to you.
In a time when all kinds of organizations gather all kinds of data, the impact of this research finding is clear. Data breaches happen, and a determined person can spot you in a batch of breached data with relative ease. They have several tools readily available that can cobble together those other 15 pieces of info to identify you. That further strengthens the argument for taking control of your personal info.
Shortening your so-called digital shadow helps improve everyday life in several ways. It can:
Cut down the number of sketchy texts, emails, and calls you get. If a hacker, scammer, or spammer can’t track down your contact info, they can’t reach you on your computers and phones. Removing info from data broker sites, old accounts you no longer use, and even social media can make it harder for them to reach you.
Reduce the risk of identity crimes, like theft, fraud, and harassment. Bad actors turn people’s info against them. With it, they take out loans in other people’s names, file bogus insurance claims, and, in more extreme cases, impersonate others for employment or criminal purposes. When you have less info online, they have less info to work with. That makes their attacks tougher to pull off. So tough that they might turn to another, easier target who has much more info online.
Keep snoops out of your business when taking care of things online. Tracking and monitoring are simple facts of going online. Sites and businesses do it for performance and marketing purposes. Hackers and bad actors do it for outright theft. Taking steps to mask and outright hide your activities online benefits your privacy and your security.
Take control of what people do and don’t know about you. Most broadly, increased privacy largely gives you the power to share your info. Not someone else. The fact is that many companies share info with other companies. And some of those other third parties might have looser data privacy and data security measures in place. What’s more, you likely have no idea who those third parties are. Increased privacy helps you take far more control of where your info does and doesn’t go.
The following can help:
1. Delete old apps. And be choosy about permissions on your phones. Fewer apps mean fewer avenues of potential data collection. If you have old, unused apps, consider deleting them, along with the accounts and data linked with them.
2. Delete old accounts. Many internet users can have over 350 online accounts, many of which they might not know are still active. McAfee Online Account Cleanup can help you delete them. It runs monthly scans to find your online accounts and shows you their risk level. From there, you can decide which to delete, protecting your personal info from data breaches and your overall privacy as a result.
3. Make your social media accounts more private. Our new McAfee Social Privacy Manager helps safeguard your privacy on social media by personalizing your privacy based on your preferences. It does the heavy lifting by adjusting more than 100 privacy settings across your social media accounts in only a few clicks. This ensures that your personal info is only visible to the people you want to share it with. It also keeps it out of search engines where the public can see it.
4. Remove your info from data brokers that sell it. McAfee Personal Data Cleanup helps you remove your personal info from many of the riskiest data broker sites out there. Running this feature regularly can keep your name and info off these sites, even as data brokers collect and post new info. Depending on your plan, it can send requests to remove your data automatically.
5. Take preventive measures. A few steps can help you keep your info off the internet in the first place. A VPN helps make your time online more private and more secure by obscuring things like your IP address and other identifying info. It also prevents hackers and snoops from monitoring your activity when you bank, shop, and access other accounts. Also, check out our article that covers privacy on your phone. Because phones offer others so many ways to gather personal info, making your phone more private helps make you more private.
The post How to Delete Yourself from the Internet appeared first on McAfee Blog.
Imagine paying $16,000 to park your car in a lot for a couple of hours. That’s what happened to one woman in the UK who fell for a QR code scam posted in a parking lot.
As reported by The Independent, scanning the posted QR code with her phone took her to a phony parking payment site that stole her card info. After her bank blocked several attempted fraudulent transactions, the scammers contacted her directly. They posed as the bank and convinced her to open a new account, racking up the equivalent of $16,000 in stolen funds.
Scams like that have spiked in popularity with crooks out there. In the U.S., the Federal Trade Commission (FTC) has warned of a fresh wave of QR code scams that have led to lost funds and identity theft. Not to mention infected devices with a glut of spyware, ransomware, and viruses.
Yet even as QR code scams become increasingly common, you can protect yourself. And enjoy the convenience they offer too, because they can truly make plenty of transactions go far more quickly.
You can find them practically anywhere nowadays.
QR stands for “quick-response,” thus a quick-response code. They look like a square of pixels and share many similarities with the bar codes you see on grocery items and other products. Yet a QR code can hold more than 300 times the data of a barcode. They’ve been around for some time. Dating back to industrial use in the 1990s, QR codes pack high volumes of visual info in a relatively compact space.
You can spot them popping up in plenty of places nowadays. With a click of your smartphone’s camera, they can quickly whisk you away to all kinds of sites.
You might see them pop up in TV ads, tacked up in a farmer’s market stand, and stapled onto telephone poles as part of a concert poster. Restaurants place QR codes on their tables so you can order from your phone. Parking lots post them on signs so you can quickly pay for parking (like above). Your drugstore might post them on shelves so that you can download a digital coupon.
Anyone can create one. A quick search for “QR code creator” turns up dozens of results. Many offer QR codes free of charge. It’s no wonder they show up in restaurants and farmer’s markets the way they do. And now in scams too.
As it is anywhere people, devices, and money meet, scammers have weaseled their way into QR codes. With the QR code scam, pointing your smartphone’s camera at a bogus QR code and giving it a scan, scammers can lead you to malicious websites and commit other attacks on your phone.
In several ways, the QR code scam works much like any other phishing attack. With a few added wrinkles, of course.
Classically, phishing attacks use doctored links that pose as legitimate websites in the hopes you’ll follow them to a scammer’s malicious website. It’s much the same with a QR code, yet they have a couple of big differences:
Typically, one of two things:
It’ll send you to a scam website designed to steal your personal and financial info. For example, a phony QR code for parking takes you to a site where you enter your credit card and license plate number. Instead of paying for parking, you pay a scammer. And they can go on to use your credit card in other places after that.
It can take you to a download that infects your device with malware. Downloads include spyware that snoops on your browsing and passwords, ransomware that locks up your device until you pay for its release (with no guarantees), or viruses that can delete or damage the things you’ve stored on your device.
Aside from appearing in emails, direct messages, social media ads, and such, there are plenty of other places where phony QR codes can show up. Here are a few that have been making the rounds in particular:
Scanning a QR code might open a notification on your smartphone screen to follow a link. Like other phishing-type scams, scammers will do their best to make that link look legitimate. They might alter a familiar company name so that it looks like it might have come from that company. Also, they might use link shorteners that take otherwise long web addresses and compress them into a short string of characters. The trick there is that you really have no way of knowing where it will send you by looking at it.
In this way, there’s more to using QR codes than simply “point and shoot.” A mix of caution and eagle-eyed consideration is called for to spot legitimate uses from malicious ones. Online protection software can help keep you safe as well.
Luckily, you can follow some basic rules and avoid QR code attacks. The U.S. Better Business Bureau (BBB) has put together a great list that can help. Their advice is right on the mark, which we’ve paraphrased and added to here:
1. Don’t open links or scan QR codes from strangers. Scammers send QR codes by email, over social media, and sometimes they even send them by physical mail as part of a “Special offer, just scan here” ploy. In all, if a QR code comes to you out of the blue, even from a friend, skip scanning it. See if you can type in a physical address to a site that you can trust instead.
2. Check the link and the destination. Given that many QR codes lead to phishing sites, look at the link that pops up after you scan it. Scammers alter addresses for known websites in subtle ways — or that differ from them entirely. For example, they might use “fed-exdeliverynotices.com” rather than the legitimate fedex.com. Or they might use a scam URL followed by text that tries to make it look legit, like “scamsite.com/fedex-delivery.” (For more on how to spot phishing attacks, check out our full article on the topic.)
3. Think twice about following shortened links. Shortened links can be a shortcut to a malicious website. This can particularly be the case with unsolicited communications. And it can still be the case with a friend or family member if their device or account has been hacked.
4. Watch out for tampering. In physical spaces, like parking lot signs, scammers have been known to stick their own QR codes over legitimate ones. If you see any sign of altering or a placement that looks slapdash, don’t give that code a scan.
5. Stick with your phone’s native QR code reader. Steer clear of QR code reading apps. They can be a security risk.
6. Don’t pay bills with QR codes. Once again, you can’t always be sure that the code will send you to a legit site. Use another trusted form of payment instead.
7. Use scam protection on your phone. Using the power of AI, our new McAfee Scam Protection can alert you when scam texts pop up on your phone. And as a second line of defense, it can block risky sites if you accidentally follow a scam link in a text, email, social media, and more. You’ll find it in our McAfee+ products — along with up to $2 million in identity theft coverage and restoration support if the unfortunate happens to you.
QR codes have made transactions smoother and accessing helpful content on our phones much quicker. As such, we’re seeing them in plenty of places. And useful as they are like other means of paying or browsing online, keep an eye open when using them. With this advice as a guide, if something doesn’t feel right, keep your smartphone in your pocket and away from that QR code.
The post How to Protect Yourself from QR Code Scams appeared first on McAfee Blog.
‘So, what is the ultimate goal of all of our parenting?’ When I asked this question to a group of mum friends during the week, the answers were all quite mixed. ‘To raise kind humans’, one offered. ‘To have someone look after me when I’m old!’, said another. But after a few minutes of heavy debate, we all agreed on one thing – our goal is to create responsible citizens who are independent and self-sufficient.
Now, clearly, this is a project that takes place over at least 18 years!! Quick fixes do not cut it when trying to mould and shape little humans into responsible adults. And of course, this also includes raising responsible digital citizens too – no room for quick fixes here!
We’ve all heard the term but what does it really mean?
Digital citizenship is all about safely and responsibly navigating digital environments and participating in a respectful fashion. In short, it means being responsible, respectful, and intentional in all your online activity.
In my opinion, a child’s emotional intelligence is intrinsically linked to their ability to be an effective digital citizen. So, I understand why some experts prefer the term digital intelligence to digital citizenship. It does a much better job of explaining that effective digital citizenship requires a set of social, emotional, and cognitive skills that are essential for navigating the digital world.
In my opinion, teaching kids about digital citizenship needs to happen as soon as a child can pick up a device. Yes – your child might only be 18 months old! But the earlier you start weaving in messages about responsibility and safety – the more automatic it will be for them to adopt a positive digital citizen mindset.
You’d be hard-pressed to find many parents who don’t worry about the risks of their kids being online. Whether it’s scams, online predators, or cyberbullying, unfortunately, there will always be some level of risk. And while many of us would love to remove our kids’ devices or better still, wrap our babies in cotton wool, this is just not a reality. So, in my opinion, the best way to protect them is to prepare them. I believe that if we take the time to help them develop into responsible and effective digital citizens then they are far more likely to make safe and responsible choices! A complete no-brainer!
This is one lesson you don’t want your kids to learn the hard way! When tweens and teens are in the moment, it is easy to forget to think of the consequences of what they post. But one’s online presence is a significant part of their identity and can often be the first place that someone forms an impression of you. The manager of our local supermarket regularly tells me how he will first assess potential applicants with a quick ‘Google’ before he even offers an interview. And if your child is keen to be considered for a leadership position at school or university, it is imperative that they think about how they conduct themselves online too. Intentional, respectful interactions are the name of the game!
Respect is at the core of all healthy relationships and that absolutely includes online interactions. So, encourage your child to extend the same level of respect to their online friends and acquaintances as they would to those they meet face-to-face. This means not creating or forwarding hurtful content and or getting involved in negative online discussions or gossip about anyone – no exceptions!
I’m a big fan of teaching your child to speak up if they experience or witness bullying. While they may think they can handle it on their own, having input from a trusted adult will make the situation feel more manageable and less overwhelming. Advise your kids to block anyone who does not treat them respectfully online – but always take screenshots first! Being proactive will help create a positive and supportive online experience.
3. Master Healthy Digital Habits
There are a few essential basic digital habits that are not negotiable, in my opinion. Ensuring your kids have these down-pat will mean that they are maximising the chance of a safe and positive online experience. Here are my top 5:
Kids love creating content, but it is essential that they don’t copy or plagiarise the work of others. Using others’ work without obtaining their permission is both unethical and technically, against the law. This encompasses all forms of online content (aka intellectual property) including texts, images, and music. As parents, we need to foster digital citizenship in our kids by reminding them to appreciate the efforts and originality of fellow digital creators. In my opinion, giving credit when using others’ work is a ‘best practice’.
The ’do not copy’ rule also extends to piracy – the illegal downloading of digital content e.g. music or movies. Many kids dabble in piracy, but it really is no different to stealing someone’s work. Encourage your kids to treat the creative work of others with the same respect you would want for your own. And yes, that includes Taylor Swift!
One of the hardest lessons some kids learn online is that not everyone is who they say they are. It can be a crushing moment. So, getting ahead of the game and teaching your kids to be cautiously suspicious about people, platforms, organisations and offers they come across online will hold them in great stead.
Exercising caution when sharing information with strangers and unfamiliar organisations is an important way to protect yourself. Always do your due diligence before ‘trusting’ someone you connect with on a dating site, always request a legitimate way to transfer money when buying goods online and never just enter personal information on a site without doing your research.
We’ve all heard the expression ‘when something is too good to be true, it usually is’. This needs to be the golden rule when navigating the internet. Whether it’s early access to snippets from a yet to be released movie, a compelling discount on an iPhone or weight loss supplements, scammers know how to hook us in! Scamwatch is a great resource for identifying and reporting scams here in Australia.
If your child is uncertain about a website’s credibility, they can pose critical questions to themselves, such as “whose interests does this site serve?” or “how accurate and reliable is the information I’m reading?” This can guide your child in distinguishing between questionable sites and those providing accurate news and content.
But let me share one final piece of advice. We can encourage and educate our kids all day long about being a responsible digital citizen but unless we are modelling the behaviour we are trying to foster, it’s just not going to work. So, when you’re sharing a new post on Facebook, or commenting on a news article, ensure you are considerate and responsible with your word choice. Show your kids how to have kind and respectful interactions online and always fact-check any information you choose to share – because they are always watching and learning!!
Happy parenting digital citizens!!
Alex
The post How to Raise Responsible Digital Citizens appeared first on McAfee Blog.
Inquisitive, curious and fiercely independent. These are the three words that come to mind when I remember my boys as tweens and teens. Now, these are all wonderful qualities but when you’re trying to teach your kids to navigate the internet, these ‘wonderful’ qualities can often make things a little harder!! Curious types want to discover and investigate – that’s natural! But it also makes our job as parents even more challenging, particularly when it comes to protecting them from the slew of inappropriate content that can be found online.
In short, inappropriate content is anything your kids may find online that they find disturbing or are not yet ready for, developmentally. It may be an image, a video or written text that is offensive and upsetting. Now, this could happen accidentally but also deliberately.
Many of us immediately think of sexually explicit material when we think of inappropriate content but there is, unfortunately, more. It can also include material that promotes extremism or terrorism, violent imagery or copy, hateful or offensive sites or posts as well as false or misleading information.
As you can imagine, it’s hard to find accurate data as to how many kids have seen inappropriate content. Many kids would loathe to admit what they have seen, feel embarrassed or are simply too distressed to report their experience. So, it’s likely that the real statistics are higher than the reported data. Research undertaken by our eSafety Office shows that a high proportion of Aussie kids aged 12 to 17 have seen inappropriate content. Here are the details:
Is it inevitable that you will see something inappropriate online? I wish I could answer no, but the reality is that at some stage it is likely that your kids will see something that they find confusing or upsetting. So, the aim of the parental game here is to ensure this happens as late as possible and that they are ready for it. Here is where I suggest you put your energy into making this happen:
I am a big fan of a family tech agreement that outlines your expectations of your kids’ online behaviour and the family’s ‘rules of engagement.’ This should be age appropriate but if your kids are young enough then please include a list of the sites they can visit, the apps they can download and the information they can share – nothing personally identifiable. I would also include rules about device usage – no devices in bedrooms overnight!! Check out my post here that will help you tailor an agreement for your family.
A clear and detailed agreement means that every family member has clarity on the rules that will keep them safe. I find sharing the ‘why’ with my kids so important – so ensure they know you’re your goal here is to keep them safe and set them up for a positive online experience.
Go out of your way to create a home environment when your kids feel comfortable talking and sharing about all aspects of their lives without judgement. Once you have this, then you will be able to have regular conversations that will help them better understand the online world and most importantly, keep them safe! The goal here is to have genuine 2-way conversations without them feeling like they are being lectured at. For example, you can explain that anything they share online creates their own ‘digital footprint’ so they need to be mindful of how they conduct themselves, You could also talk them through the dangers of spreading rumours online or sharing hurtful photos or jokes.
And if your kids know they can talk to you about anything and that you won’t overact, then they are more likely to tell you if they have seen something online that has worried them. Now, we all hope that doesn’t happen, but we all want to be able to help our kids navigate challenges if and when they arise.
Parental controls can be a really helpful tool that allows you to monitor and manage what your child sees and does online. Of course, using parental controls is not a silver bullet – you still need to remain vigilant and invested however it can be a great thing to have in your toolbox. Here’s what I Iike:
Check out more information about McAfee’s parental controls here.
As we all know, the sky is the limit when it comes to finding anything online. So, young curious minds have ample opportunity to have their every question answered. However, this is not ideal when your kids have neither age nor experience on your side. So, let me introduce you to some child-friendly search engines that will ensure there are healthy boundaries for inquisitive minds!
This is a search engine that’s designed to produce safe results for kids so it will produce quite limited results – perfect! It has been designed to block swear words and ‘rude’ language but a Commonsense Media trial found that some violent content could be generated using it.
This search engine uses Google’s strict filtering software to produce up-to-date results without the risk of anything inappropriate. Their advanced keyword filtering system monitors for alternate and modified spellings which is great for youngins!
Also using Google’s SafeSearch, KidRex promotes kid-friendly pages in its results. It also has an additional database of inappropriate keywords and sites and blocks social media results. How good!
But, if you just want to stick with Google and turn on the SafeSearch filters, you absolutely can. Just remember, that you’ll need to activate it on every device that your kids might use – including their phone!
How often do you hear yourself saying or doing something your mother does? I do all the time! Our parents are our biggest influence and are our biggest role models. And this also applies to how we engage with technology. Make sure your kids see you enjoying tech-free time, so they ‘normalise’ this. Leave your phone at home when you walk the dog, never have phones at the dinner table and always turn your phone on do not disturb when talking with your kids. The less time spent on technology means the more time for real in-person human connection.
Being open is also an imperative way to protect your kids. In fact, the more open and communicative you are with your kids, the less reason they will have to undertake their own ‘research’ online. So, if you’ve created an environment where talking about puberty, hormonal changes and teenage relationships is normal, chances are they won’t need to turn to Google for answers – and risk seeing inappropriate content.
So, if you have a tribe of curious tweens or teens, then I’m sending you my very best. It’s not an easy task protecting them from some of the more challenging content that the internet can offer. But having come out the other side – and survived – I can assure you that the more proactive you are, the easier the ride will be.
Good luck!!
Alex XX
PS If you’re thinking about parental controls, don’t forget about enabling these on your streaming services too. Netflix, Amazon Prime and Stan all offer parental controls which can restrict the content that your kids can view. It’s definitely worth the effort.
The post How to Protect Your Kids From Inappropriate Online Content appeared first on McAfee Blog.
You guard the keys to your home closely, right? They have their own special spot in your bag or in your front pocket. When your keys go missing, does a slight pit of unease grow in your gut?
Our homes store many sentimental and valuable treasures within their walls. The same goes for your online accounts. Think of your login and passwords as the keys to the cozy home of your date of birth, Social Security Number, full name, and address. When you lose those keys and they fall into the hands of a criminal, the break-ins to your online home can be costly.
In a scheme called credential phishing, online scammers seek to steal the keys to your online accounts: your login and password combinations. Just like you’d protect the keys to your house, so should you guard your online account credentials closely.
Credential phishing is a type of online scam where a cybercriminal devises tricks to gain one type of valuable information: username and password combinations. Once they eke this information from their targets, the thief is able to help themselves to online bank accounts, online shopping sites, online tax forms, and more. From there, they could go on a shopping spree on your dime or pilfer your personally identifiable information (PII) and steal your identity.
There are two common ways a criminal might try to steal online account credentials. The first is through a phishing attempt that asks specifically for usernames and passwords. They may impersonate a person or organization with authority, such as your boss, a bank representative, or the IRS. Phishing attempts often threaten dire consequences if you don’t reply promptly. Handle emails, texts, and social media direct messages that demand urgency with care. If it’s truly important, your bank will find another way to get in touch with you. Additionally, be aware of your notification preferences and communication channels with important organizations. For example, the IRS only contacts people by mail.
A second way credential phishers may try to steal your passwords is through fake login pages. You may get redirected to a fake login page by clicking on a risky link hidden in a phishing message or on a malicious website. An example of credential phishing and fake login pages in action happened to customers of a password storage company. Customers received phishing emails that contained a link to a “login page” that was actually a malicious subdomain that sent the details straight to scammers.1
There’s one very simple rule to avoid a phisher stealing your credentials: never share your password with anyone! No matter how authoritative a phone call, text, or email sounds, a legitimate business nor an IT professional nor your boss will ever ask you for your password and username combination.
If you suspect a phishing attempt, do not reply or forward the message. Additionally, do not click on any links. Artificial intelligence content creation tools like ChatGPT can make phishing messages sound convincing, as AI tools often compose messages without typos or grammar mistakes. But if anything in the tone or content of the message strikes you as suspicious, it’s best to delete it and forget about it.
Ultimate secrecy is a great first step in keeping your credentials a mystery. Practice these other password and online account safety best practices to keep your PII safe:
To add extra security to your online comings and goings, consider investing in McAfee+, which includes McAfee Scam Protection. McAfee Scam Protection is an AI-powered tool that blocks risky links in your emails, texts, and on social media. This is helpful just in case you accidentally click on a link that would’ve brought you to a fake login page or to another risky site. The more you use Scam Protection, the smarter it gets! And should your credentials and PII ever fall into the wrong hands, McAfee+ has credit and identity monitoring tools that can alert you to suspicious activity.
Consider McAfee as the home security system for your online life. When you log off and lock up, you can relax knowing that McAfee will alert you to breaking-and-entering attempts.
1Cybernews, “LastPass employees and customers targeted in ‘pervasive’ phishing campaign”
The post What Is Credential Phishing? appeared first on McAfee Blog.
“My phone’s been hacked!” Words you probably don’t want to hear or say. Ever.
Yes, a smartphone can get hacked just like any other device. And they make prize targets as well. Loaded as they are with personal and financial information, access to payment apps, files, photos, and contacts, bad actors have plenty to gain by tapping into your smartphone.
How do bad actors pull it off? They have several attack vectors they can choose from.
Today’s attackers have gotten cagier as well. It used to be that a hacked phone would run sluggishly or hot after it got infected by malware. The battery might have drained quickly as well. That was because the malware ate up system resources, created conflicts with other apps, and used your data or internet connection to pass along your personal information—all of which could make your smartphone feel a little off. That still might be the case with some mobile malware today, yet much of it works far more efficiently. The old telltale physical signs of a hacked phone might not present themselves at all.
However, you can spot several indications that might indicate your phone has been hacked.
A few examples follow. Note that these might be signs of a hacked phone, yet not always.
Install and run online protection software on your smartphone if you haven’t already. From there, delete any apps you didn’t download, delete risky texts, and then run your mobile security software again.
If you still have issues, wiping and restoring your phone is an option. Provided you have your photos, contacts, and other vital info backed up in the cloud, it’s a relatively straightforward process. A quick search online can show how to wipe and restore your model of phone.
Lastly, check your accounts and your credit card statements to see if any unauthorized purchases have been made. If so, you can go through the process of freezing those accounts and getting new cards and credentials issued. Further, update your passwords for your accounts with a password that is strong and unique to prevent further theft.
To help keep your phone from getting hacked in the first place, there are a few relatively easy steps you can take. Inside of a few minutes, you can find yourself much safer than you were before.
The post How to Know If Your Phone Has Been Hacked appeared first on McAfee Blog.
In the 80’s, train stations and church groups were the key places to meet boys. And despite the fact I tried very hard to keep this side of my life well away from my parents, I know for a fact that they worried!! Well, some things have clearly changed with social media and dating apps providing unlimited opportunities for teens to connect with romantic partners across the world. But one thing definitely hasn’t changed – parents are still worrying!!
Despite what we may think, school is still the main place teens find their romantic partners according to a fascinating research study entitled: ‘Adolescents’ Partner Search in the Digital Age: Correlates and Characteristics of Relationships Initiated Online’. But second to this is the internet. The internet (including social media) even trumps ‘friends, parties and neighbourhoods’ as the 2nd most common place where adolescents meet their significant other.
Interestingly, the report also highlights the different types of kids who gravitate towards online dating. According to the research, girls who find it harder to fit in at school were more likely to initiate and find romantic relationships online rather than pursue them in person. This was the same for teens looking to pursue same-sex relationships. Overall, there were multiple examples of how the internet has become a ‘social intermediary’ for teens who may struggle with in-person social connection.
I want to make it very clear that this post isn’t designed to scare you or have you immediately remove all devices from your teen – although I get why it’s tempting! Instead, I want to help you, help your kids navigate online dating.
By now, we all know that there are both challenges and risks being online. Some of us navigate these with ease while others don’t. In my opinion, a teen’s ability to think critically, pick up social cues and manage conflict will have a direct impact on their ability to navigate their online life and that includes online dating.
So, yes there are risks – your teen may experience harassment, discrimination, sextortion, scams or cyberstalking. And of course, these are big heavy possibilities that no-one wants their child to experience. But you have to remember that for our kids, meeting someone online is just as normal as it was for my friends and I to meet boys at the local train station. In fact, it may even be less overwhelming as they can ‘google’ potential love matches and find friends of friends who can vouch for them or warn them away.
Instead of being worried, focus on helping your teen have a positive and safe online dating experience.
It’s completely natural to be hesitant about your teen dating online – I’ve been there! And yes, talking about their budding love life may be a bit uncomfortable. But, when there are some pretty large risks at play, you’re just going to have to push through on the awkwardness. Here are my top tips:
Take some time to research the various dating sites. Read the reviews, browse the community guidelines and understand how they verify users. The larger dating sites are for over 18s – think Hinge, Bumble and Tinder however let’s keep it real – it’s not that hard to ‘fudge’ your age. So even if your teen is under 18, I’d still do some due diligence here. In recent years, under 18 dating sites have cropped up. Mylol, the self-proclaimed “#1 teen network in the world”, is probably the most popular platform followed by Skout.
But traditional dating sites are not the only way teens meet potential love interests online. It’s not uncommon for kids to start messaging other kids whose profile they may have come across on Snapchat, Discord or even while gaming on Fortnite. You may have heard the expression ‘slide into your DMs’ – that means that someone has sent you a direct message on social media, most commonly for romantic purposes!!
Once you understand how it all works – you’ll be able to speak with more ‘weight’ to your teen. So, push through the awkwardness and start talking. If there is a lot of pushback from your teen, you might need to go slow. Why not share articles about online dating? Or, relay stories and experiences from your friends and their kids? Always reserve judgment and stay calm and neutral. Why not help them work out what they want by asking open and non-judgemental questions e.g. Is it a committed relationship or just a ‘fling’? This may help them work out the best platform and also manage their expectations.
Once the awkwardness has gone, you should start talking about healthy relationship boundaries. It’s important they understand how to set parameters, so they are safe and respected. They need to know that:
There are also some key safety measures that will help protect them when they embark on online dating. I love reminding my boys of these – fingers crossed they listen!!
I’m a big believer that being proactive is a very worthwhile parenting strategy. So, ‘ripping off the bandaid’ and helping your teens with their online dating strategy is a great way to set them up for a safe and positive experience. We all know from experience that the path to true love isn’t always linear, so there might be a few heartbreaks or dramas along the way. So, remind your teen that you are always available to listen to their concerns and help them troubleshoot a situation. Remember, the more you keep the lines of communication open, the more likely they will be to come to you if there is an issue.
Happy digital parenting!!
Alex x
The post How to Help Your Teens Stay Safe When They Start Dating Online appeared first on McAfee Blog.
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