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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.
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/
The post How to Protect Yourself From a Spear Phishing Scam 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.
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 happens with more regularity than any of us like to see. There’s either a headline in your news feed or an email from a website or service you have an account with—there’s been a data breach. So what do you do when you find out that you and your information may have been caught up in a data breach? While it can feel like things are out of your hands, there are actually several things you can do to protect yourself.
Let’s start with a look at what kind of information may be at stake and why crooks value that information so much (it’s more reasons than you may think).
The fact is that plenty of our information is out there on the internet, simply because we go about so much of our day online, whether that involves shopping, banking, getting results from our doctors, or simply hopping online to play a game once in a while.
Naturally, that means the data in any given breach will vary from service to service and platform to platform involved. Certainly, a gaming service will certainly have different information about you than your insurance company. Yet broadly speaking, there’s a broad range of information about you stored in various places, which could include:
As to what gets exposed and when you might find out about it, that can vary greatly as well. One industry research report found that the median time to detect breaches is 5 days. Needless to say, the timeline can get rather stretched before word reaches you, which is a good reason to change your passwords regularly should any of them get swept up in a breach. (An outdated password does a hacker no good—more on that in a bit.)
The answer is plenty. In all, personal information like that listed above has a dollar value to it. In a way, your data and information are a kind of currency because they’re tied to everything from your bank accounts, investments, insurance payments—even tax returns and personal identification like driver’s licenses.
With this information in hand, a crook can commit several types of identity crime—ranging from fraud to theft. In the case of fraud, that could include running up a bill on one of your credit cards or draining one of your bank accounts. In the case of theft, that could see crooks impersonate you so they can open new accounts or services in your name. Beyond that, they may attempt to claim your tax refund or potentially get an ID issued in your name as well.
Another possibility is that a hacker will simply sell that information on the dark marketplace, perhaps in large clumps or as individual pieces of information that go for a few dollars each. However it gets sold, these dark-market practices allow other fraudsters and thieves to take advantage of your identity for financial or other gains.
Most breaches are financially motivated, with some researchers saying that 97% of breaches are about the money. However, we’ve also seen hackers simply dump stolen information out there for practically anyone to see. The motivations behind them vary, yet they could involve anything from damaging the reputation of an organization to cases of revenge.
A list of big data breaches is a blog article of its own, yet here’s a quick list of some of the largest and most impactful breaches we’ve seen in recent years:
Needless to say, it’s not just the big companies that get hit. Healthcare facilities have seen their data breached, along with the operations of popular restaurants. Small businesses find themselves in the crosshairs as well, with one report stating that 43% of data leaks target small businesses. Those may come by way of an attack on where those businesses store their records, a disgruntled employee, or by way of a compromised point-of-sale terminal in their store, office, or location.
In short, when it comes to data breaches, practically any business is a potential target because practically every business is online in some form or fashion. Even if it’s by way of a simple point-of-sale machine.
When a business, service, or organization falls victim to a breach, it doesn’t always mean that you’re automatically a victim too. Your information may not have been caught up in it. However, it’s best to act as if it was. With that, we strongly suggest you take these immediate steps.
1. Change your passwords and use two-factor authentication
Given the possibility that your password may be in the hands of a hacker, change it right away. Strong, unique passwords offer one of your best defenses against hackers. Update them regularly as well. As mentioned above, this can protect you in the event a breach occurs and you don’t find out about it until well after it’s happened. You can spare yourself the upkeep that involves a password manager that can keep on top of it all for you. If your account offers two-factor authentication as part of the login process, make use of it as it adds another layer of security that makes hacking tougher.
2. Keep an eye on your accounts
If you spot unusual or unfamiliar charges or transactions in your account, bank, or debit card statements, follow up immediately. That could indicate improper use. In general, banks, credit card companies, and many businesses have countermeasures to deal with fraud, along with customer support teams that can help you file a claim if needed.
3. Sign up for an identity protection service
If you haven’t done so already, consider signing up for a service that can monitor dozens of types of personal information and then alert you if any of them are possibly being misused. Identity protection such as ours gives you the added benefit of a professional recovery specialist who can assist with restoring your affairs in the wake of fraud or theft, plus up to $1 million in insurance coverage.
Our advice is to take a deep breath and get to work. By acting quickly, you can potentially minimize and even prevent any damage that’s done. With that, we have two articles that can help guide the way if you think you’re the victim of identity theft, each featuring a series of straightforward steps you can take to set matters right:
Again, if you have any concerns. Take action. The first steps take only minutes. Even if the result is that you find out all’s well, you’ll have that assurance and you’ll have it rather quickly.
The post What to Do If You’re Caught Up in a Data Breach 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.
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.
As taxpayers prepare their returns for April 15th, scammers prepare too. They see tax season as high time to run all kinds of scams and identity theft schemes.
Fake accountants, fake tax software, robocalls, and more all make the list. We’ll give you a look at what’s happening out there right now. And we’ll run down several ways you can keep safe.
A commonly used tactic involves hackers posing as collectors from the IRS, as tax preparers, or government bureaus. This tactic is pretty effective due to Americans’ concerns about misfiling their taxes or accidentally running into trouble with the IRS. Scammers take advantage of this fear, manipulating innocent users into providing sensitive information or money over the phone or by email. And in extreme cases, hackers may be able to infect computers with malware via malicious links or attachments sent through IRS email scams.
Another tactic used to take advantage of taxpayers is the canceled social security number scam. Hackers use robocalls claiming that law enforcement will suspend or cancel the victim’s Social Security number in response to taxes owed. Often, victims are scared into calling the fraudulent numbers back and persuaded into transferring assets to accounts that the scammer controls. Users need to remember that the IRS will only contact taxpayers through snail mail or in person, not over the phone.
Another scam criminals use involves emails impersonating the IRS. Victims receive a phishing email claiming to be from the IRS, reminding them to file their taxes or offering them information about their tax refund via malicious links. If a victim clicks on the link, they will be redirected to a spoofed site that collects the victim’s personal data, facilitating identity theft. What’s more, a victim’s computer can become infected with malware if they click on a link with malicious code, allowing fraudsters to steal more data.
Scammers also take advantage of the fact that many users seek out the help of a tax preparer or CPA during this time. These criminals will often pose as professionals, accepting money to complete a user’s taxes but won’t sign the return. This makes it look like the user completed the return themselves. However, these ghost tax preparers often lie on the return to make the user qualify for credits they haven’t earned or apply changes that will get them in trouble. Since the scammers don’t sign, the victim will then be responsible for any errors. This could lead to the user having to repay money owed, or potentially lead to an audit.
While these types of scams can occur at any time of the year, they are especially prevalent leading up to the April tax filing due date. Consumers need to be on their toes during tax season to protect their personal information and keep their finances secure. To avoid being spoofed by scammers and identity thieves, follow these tips:
File before cybercriminals do it for you. The easiest defense you can take against tax seasons 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.
Beware of phishing attempts. It’s clear that phishing is the primary tactic crooks are leveraging this tax season, so it’s crucial you stay vigilant around your inbox. This means if any unfamiliar or remotely suspicious emails come through requesting tax data, double check their legitimacy with a manager or the security department before you respond. Remember: the IRS will not initiate contact with taxpayers by email, text messages, or social media channels to request personal or financial info. So someone contacts you that way, ignore the message.
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 Watch Out For IRS Scams and Avoid Identity Theft 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.
Before you take the fun-looking quiz that popped up in your social media feed, think twice. The person holding the answers may be a hacker.
Where people go, hackers are sure to follow. So it’s no surprise hackers have set up shop on social media. This has been the case for years, yet now social media-based crime is on the rise. Since 2021, total reported losses to this type of fraud reached $2.7 billion.
Among these losses are cases of identity theft, where criminals use social media to gather personal information and build profiles of potential victims they can target. Just as we discussed in our recent blog, “Can thieves steal identities with only a name and address?” these bits of information are important pieces in the larger jigsaw puzzle that is your overall identity.
Let’s uncover these scams these crooks use so that you can steer clear and stay safe.
“What’s your spooky Halloween name?” or “What’s your professional wrestler name?” You’ve probably seen a few of those and similar quizzes in your feed where you use the street you grew up on, your birthdate, your favorite song, and maybe the name of a beloved first pet to cook up a silly name or some other result. Of course, these are pieces of personal information, sometimes the answer to commonly used security questions by banks and other financial institutions. (Like, what was the model of your first car?) With this info in hand, a hacker could attempt to gain access to your accounts.
Similarly, scammers will also post surveys with the offer of a gift card to a popular retailer. All you have to do is fork over your personal info. Of course, there’s no gift card coming. Meanwhile, that scammer now has some choice pieces of personal info that they can potentially use against you.
How to avoid them: Simply put, don’t take those quizzes and surveys online.
The list here is long. These include posts and direct messages about phony relief funds, grants, and giveaways—along with bogus business opportunities that run the gamut from thinly veiled pyramid schemes and gifting circles to mystery shopper jobs. What they all have in common is that they’re run by scammers who want your information, money, or both. If this sounds familiar, like those old emails about transferring funds for a prince in some faraway nation, it is. Many of these scams simply made the jump from email to social media platforms.
How to avoid them: Research any offer, business opportunity, or organization that reaches out to you. A good trick is to do a search of the organization’s name plus the term “scam” or “review” or “complaint” to see if anything sketchy comes up.
If there’s one government official that scammers like to use to scare you, it’s the tax collector. These scammers will use social media messaging (and other mediums like emails, texts, and phone calls) to pose as an official who’s either demanding back taxes or offering a refund or credit—all of which are bogus and all of which involve you handing over your personal info, money, or both.
How to avoid them: Delete the message. In the U.S., the IRS and other government agencies will never reach out to you in this way or ask you for your personal information. Likewise, they won’t demand payment via wire transfer, gift cards, or cryptocurrency like Bitcoin. Only scammers will.
These are far more targeted than the scams listed above because they’re targeted and often rely upon specific information about you and your family. Thanks to social media, scammers can gain access to that info and use it against you. One example is the “grandkid scam” where a hacker impersonates a grandchild and asks a grandparent for money. Similarly, there are family emergency scams where a bad actor sends a message that a family member was in an accident or arrested and needs money quickly. In all, they rely on a phony story that often involves someone close to you who’s in need or trouble.
How to avoid them: Take a deep breath and confirm the situation. Reach out to the person in question or another friend or family member to see if there really is a concern. Don’t jump to pay right away.
This is one of the most targeted attacks of all—the con artist who strikes up an online relationship to bilk a victim out of money. Found everywhere from social media sites to dating apps to online forums, this scam involves creating a phony profile and a phony story to go with it. From there, the scammer will communicate several times a day, perhaps talking about their exotic job in some exotic location. They’ll build trust along the way and eventually ask the victim to wire money or purchase gift cards.
How to avoid them: Bottom line, if someone you’ve never met in person asks you for money online, it’s a good bet that it’s a scam. Don’t do it.
Now with an idea of what the bad actors are up to out there, here’s a quick rundown of things you can do to protect yourself further from the social media scams they’re trying to pull.
Above and beyond what we’ve covered so far, some online protection basics can keep you safer still. Comprehensive online protection software will help you create strong, unique passwords for all your accounts, help you keep from clicking links to malicious sites, and prevent you from downloading malware. Moreover, it can provide you with identity protection services like ours, which keep your personal info private with around-the-clock monitoring of your email addresses and bank accounts with up to $1M of ID theft insurance.
Together, with some good protection and a sharp eye, you can avoid those identity theft scams floating around on social media—and get back to enjoying time spent online with your true family and friends.
The post Quizzes and Other Identity Theft Schemes to Avoid on Social Media 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 are more online users now than ever before, thanks to the availability of network-capable devices and online services. The internet population in Canada is the highest it has been, topping the charts at 33 million. That number is only expected to increase through the upcoming years. However, this growing number and continued adoption of online services pose increasing cybersecurity risks as cybercriminals take advantage of more online users and exploit vulnerabilities in online infrastructure. This is why we need AI-backed software to provide advanced protection for online users.
The nature of these online threats is ever-changing, making it difficult for legacy threat detection systems to monitor threat behavior and detect new malicious code. Fortunately, threat detection systems such as McAfee+ adapt to incorporate the latest threat intelligence and artificial intelligence (AI) driven behavioral analysis. Here’s how AI impacts cybersecurity to go beyond traditional methods to protect online users.
Most of today’s antivirus and threat detection software leverages behavioral heuristic-based detection based on machine learning models to detect known malicious behavior. Traditional methods rely on data analytics to detect known threat signatures or footprints with incredible accuracy. However, these conventional methods do not account for new malicious code, otherwise known as zero-day malware, for which there is no known information available. AI is mission-critical to cybersecurity since it enables security software and providers to take a more intelligent approach to virus and malware detection. Unlike AI–backed software, traditional methods rely solely on signature-based software and data analytics.
Similar to human-like reasoning, machine learning models follow a three-stage process to gather input, process it, and generate an output in the form of threat leads. Threat detection software can gather information from threat intelligence to understand known malware using these models. It then processes this data, stores it, and uses it to draw inferences and make decisions and predictions. Behavioral heuristic-based detection leverages multiple facets of machine learning, one of which is deep learning.
Deep learning employs neural networks to emulate the function of neurons in the human brain. This architecture uses validation algorithms for crosschecking data and complex mathematical equations, which applies an “if this, then that” approach to reasoning. It looks at what occurred in the past and analyzes current and predictive data to reach a conclusion. As the numerous layers in this framework process more data, the more accurate the prediction becomes.
Many antivirus and detection systems also use ensemble learning. This process takes a layered approach by applying multiple learning models to create one that is more robust and comprehensive. Ensemble learning can boost detection performance with fewer errors for a more accurate conclusion.
Additionally, today’s detection software leverages supervised learning techniques by taking a “learn by example” approach. This process strives to develop an algorithm by understanding the relationship between a given input and the desired output.
Machine learning is only a piece of an effective antivirus and threat detection framework. A proper framework combines new data types with machine learning and cognitive reasoning to develop a highly advanced analytical framework. This framework will allow for advanced threat detection, prevention, and remediation.
Online threats are increasing at a staggering pace. McAfee Labs observed an average of 588 malware threats per minute. These risks exist and are often exacerbated for several reasons, one of which is the complexity and connectivity of today’s world. Threat detection analysts are unable to detect new malware manually due to their high volume. However, AI can identify and categorize new malware based on malicious behavior before they get a chance to affect online users. AI–enabled software can also detect mutated malware that attempts to avoid detection by legacy antivirus systems.
Today, there are more interconnected devices and online usage ingrained into people’s everyday lives. However, the growing number of digital devices creates a broader attack surface. In other words, hackers will have a higher chance of infiltrating a device and those connected to it.
Additionally, mobile usage is putting online users at significant risk. Over 85% of the Canadian population owns a smartphone. Hackers are noticing the rising number of mobile users and are rapidly taking advantage of the fact to target users with mobile-specific malware.
The increased online connectivity through various devices also means that more information is being stored and processed online. Nowadays, more people are placing their data and privacy in the hands of corporations that have a critical responsibility to safeguard their users’ data. The fact of the matter is that not all companies can guarantee the safeguards required to uphold this promise, ultimately resulting in data and privacy breaches.
In response to these risks and the rising sophistication of the online landscape, security companies combine AI, threat intelligence, and data science to analyze and resolve new and complex cyber threats. AI-backed threat protection identifies and learns about new malware using machine learning models. This enables AI-backed antivirus software to protect online users more efficiently and reliably than ever before.
AI addresses numerous challenges posed by increasing malware complexity and volume, making it critical for online security and privacy protection. Here are the top 3 ways AI enhances cybersecurity to better protect online users.
1. Effective threat detection
The most significant difference between traditional signature-based threat detection methods and advanced AI-backed methods is the capability to detect zero-day malware. Functioning exclusively from either of these two methods will not result in an adequate level of protection. However, combining them results in a greater probability of detecting more threats with higher precision. Each method will ultimately play on the other’s strengths for a maximum level of protection.
2. Enhanced vulnerability management
AI enables threat detection software to think like a hacker. It can help software identify vulnerabilities that cybercriminals would typically exploit and flag them to the user. It also enables threat detection software to better pinpoint weaknesses in user devices before a threat has even occurred, unlike conventional methods. AI-backed security advances past traditional methods to better predict what a hacker would consider a vulnerability.
2. Better security recommendations
AI can help users understand the risks they face daily. An advanced threat detection software backed by AI can provide a more prescriptive solution to identifying risks and how to handle them. A better explanation results in a better understanding of the issue. As a result, users are more aware of how to mitigate the incident or vulnerability in the future.
AI and machine learning are only a piece of an effective threat detection framework. A proper threat detection framework combines new data types with the latest machine learning capabilities to develop a highly advanced analytical framework. This framework will allow for better threat cyber threat detection, prevention, and remediation.
The post The What, Why, and How of AI and Threat Detection 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.
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.
The post How to Protect School Children From Deep Fakes 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.
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.
Smart speakers. Banking online. Location tracking. If you are a senior adult, there’s no doubt, the digital leaps and bounds you’re asked to consider each day can be daunting. If you are the child of a senior adult trying to make digital life more accessible, helping your parent consistently stay safe online can also be a challenge.
According to a recent Pew study on the topic, senior adults continue to become more digitally connected, but adoption rates continue to trail younger users, and digital divides remain. The study also revealed that 77% of older adults needed assistance in learning how to use technology.
As a senior, it’s easy to feel intimidated and even try to avoid technology altogether as a safety plan. However, more healthcare, banking, and retailers become almost 100% digital, opting out of digital life is becoming impossible.
Still, there’s a way forward. As with any challenge, it’s best to begin one step at a time. First, put your stake in the ground by committing to increase your awareness and consistency in the digital realm. Doing so will help you reduce your fear about potential data breaches, malware attacks, or worse, falling prey to an online scam. Here are seven more ways to build upon your privacy path.
Online protection software safeguards your privacy while also looking after your privacy too. McAfee+ Family plans include personalized protection for each member of the family, including older family members outside the home. For example, a grandparent can set up and manage their own protection for their identity, privacy, computers, and phones. And inviting a grandparent onto the plan is as simple as sending an email.
Updating your passwords regularly is an online privacy gamechanger. The only problem? It’s tough to remember all those passwords, so who wants to risk changing them, right? Consider a password manager (find the software packages that have a password manager built-in). Your Password Manager (PM) stores then populates the username and password fields every time you log on to a favorite site or app. Better yet, it makes changing your password an easy task since you don’t need to do any remembering—your PM does it all for you.
What in the world? 2FA sounds complicated! Don’t worry, it’s not. Opting for 2FA means that before logging onto your account, you will have one more step to verify it’s you logging on. When given this privacy option, take it. Commonly, the 2FA process is a code generated by a smartphone app—no biggie. If you want to try, go to your settings in your favorite apps, such as Google or Facebook, and turn on the 2FA option.
Along with strong passwords, updating your software is a front-line defense against identity theft and fraud. Installing software updates (those pesky pop-up notices that are critical to your privacy) is essential in securing your IoT devices, PCs and phones, and the social media, banking, and healthcare portals connected to them.
5. Use a Virtual Private Network (VPN).
If we could write this one tip down a hundred times without losing our readers, we surely would. Every senior adult needs a VPN for practical, powerful privacy protection and peace of mind. A VPN keeps credit card and personal info contained in a secure network and away from prying eyes.
Fraudulent emails connected to fraudulent websites can look very legitimate. A secure website will have an “HTTPS” in the browser’s address bar. The “s” stands for “secure.” If the web address or URL is just HTTP, it’s not a secure site. Still unsure? Read reviews of the site from other users before making a purchase. Never send cash, cashier’s check, or a personal check to any online vendor. If purchasing, always use a credit card in case there is a dispute. Stay up-to-date on scams that target seniors specifically. Lately, elder scams have been constructed around COVID, dating apps, tax returns, employment, and, of course, the common military catfish scams.
Like it or not, companies gather, share, and sell plenty of information about us online. Among them, online data brokers that collect information about people from public records and third parties, like shopping information from the discount cards we use to get deals at the supermarket or drug store. They compile this information and post it online for anyone to see, for a price. And they’ll sell it to anyone. That includes marketers, advertisers, and even bad actors who use it for scams and to help them commit identity theft. You can clean up these digital breadcrumbs, though. Our Personal Data Cleanup scans some of the riskiest data broker sites and show you which ones are selling your personal info. We’ll also provide guidance on how you can remove your data from those sites and with select products, we can even manage the removal for you.
When trying to boost your digital skills, don’t forget about all the amazing instructional content at your fingertips. A quick search of YouTube will render easy-to-understand videos on how to do just about everything (including install security software, change your router password, secure the smart devices in your home, and how to adjust your privacy settings on any device).
Learning or building a new skill isn’t always easy, but if you stop to think about it, as a senior, you’ve gained so many skills over your lifetime (far more than your juniors). So, practically speaking, building up your tech skills is one is just one more task to ace. So, lean into the challenge, have fun learning, and don’t hesitate to ask for help if you need it.
The post 7 Savvy Ways Senior Adults Can Safeguard Digital Privacy appeared first on McAfee Blog.
Throw open the windows and let in some fresh air. It’s time for spring cleaning.
And that goes for your digital stuff too.
Whether it’s indeed spring where you are or not, you can give your devices, apps, and online accounts a good decluttering. Now’s the time. Cleaning them up can protect your privacy and your identity because when there’s less lying about, there’s less for hackers to scoop up and exploit.
The reality is that we accumulate plenty of digital clutter that needs cleaning up from time to time. Think about it:
Together, these things take up space on your devices and, in some cases, can open you up to security hazards. Let’s take a look at how you can clean up in a few steps.
1. Review your accounts and delete the ones you don’t use. Look through your bookmarks, your password manager, or the other places where you store your passwords and usernames. Review the sites and services associated with them critically. If you haven’t used an account in some time, log in one last time, remove all personal info, and deactivate it.
Doing so can keep your email address, usernames, and passwords out of unnecessary circulation. Major breaches like this one happen with unfortunate regularity, and the sad thing is that you may not even be aware that a site you’ve used has been hit. Meanwhile, your name, password, and info associated with that account (such as your credit card) are in the hands of hackers. Limit your exposure. Close those old accounts.
2. Get organized, and safer too, with a password manager. While creating strong, unique passwords for each of our accounts is a must nowadays, it can be quite the feat, given all of the accounts in our lives. Here’s where a password manager comes in. It can create those strong, unique passwords for you. Not only that, but it also stores your passwords on secure servers, away from hackers and thieves.
Along those lines, never store your passwords on your computer or device, like a text document or spreadsheet. Should your device ever get compromised, lost, or stolen, having passwords stored on them are like handing over the keys to your digital life.
3. Clean your PC to improve your performance (and your security). Let’s face it, so many of us are so busy with the day-to-day that cleaning up our computers and laptops is way down the list. However, doing so once a month can keep our devices running stronger for longer and even give you that “new computer feeling,” particularly if you haven’t cleaned it up for some time. Check out our guide for improving PC performance. We will walk you through some straightforward steps that can make a marked difference.
Moreover, part of this process should entail bolstering your operating system and apps with the latest updates. Such updates can not only improve speed and functionality, but they also often include security upgrades as well that can make you safer in the long run. If your operating system and apps feature automatic updates, enable them, and they’ll do the work for you.
4. Organize and store your photos. Photos. Now there’s a topic all unto itself. Here’s the thing: Estimates show that worldwide we took somewhere around 1.2 trillion photos. And you certainly have your share.
However, your photos may be just sitting there, taking up storage space on your computer or phone, instead of becoming something special like an album, greeting cards, a wall hanging, or popping them into a digital picture frame for your kitchen or living room. And this is where a little spring cleaning can be a bit of fun. For tips on cleaning up your photos, backing them up, and making something special with them.
5. Delete old apps and the data associated with them. Let’s say you have a couple of apps on your phone for tracking your walks, runs, and exercise. You’ve since stopped using one altogether. Go ahead and delete the old one. But before you do, go in and delete your account associated with the app to ensure that any data stored off your phone, along with your password and user id are deleted as well.
For your computers and laptops, follow the same procedure, recognizing that they also may have account data stored elsewhere other than on your device.
In short, many apps today store information that’s stored and maintained by the app provider. Make sure you close your accounts so that data and information is taken out of circulation as well.
6. Shred your old files and encrypt the important files you’re holding on to. This bit of advice calls for using comprehensive security software on your devices. In addition to protecting you from viruses, malware, and other cyberattacks on your privacy and identity, it can help you protect your sensitive information as well. Such security software can offer:
7. Throwing away old computers and tech—dispose of them properly. When it comes time to say goodbye to an old friend, whether that’s a computer, laptop, phone, or tablet, do so in a way that’s friendly to the environment and your security.
Consider this … what’s on that old hard drive of yours? That old computer may contain loads of precious personal and financial info on it. The same goes for your tablets and phones. The Federal Trade Commission (FTC) offers some straightforward advice in their article about protecting your data before you get rid of your computer. You don’t want those old tax returns ending up in the trash unprotected.
When it comes time for disposal, you have a few options:
As with any spring cleaning, you’ll be glad you did it
Enjoying the benefits of your work—that’s what spring cleaning is all about, right? With this little list, you can end up with a digital life that’s safer and faster than before.
The post Digital Spring Cleaning: Seven Steps for Faster, Safer Devices appeared first on McAfee Blog.
As the tax season draws near, the incidence of cybercrime, particularly phishing for W-2s, tends to increase dramatically. Cybercriminals are aware that this is the time of year when many unsuspecting individuals are completing their tax returns, and they design schemes to exploit this vulnerability. This blog raises awareness about this growing problem and offers practical advice for keeping your financial data safe during tax season.
W-2 phishing scams often involve emails that appear to be from the IRS or another official source, requesting personal information. These phishing emails can be highly sophisticated, often mimicking the look and feel of legitimate communications. The goal is to trick the recipient into revealing confidential data, such as social security numbers and financial information, which the perpetrator can then use for fraudulent purposes. The first step in protecting against such scams is understanding how they work and being able to recognize the red flags.
Phishing scams are fundamentally deception tactics—disguised as legitimate correspondence, they aim to trick the recipient into parting with sensitive information. In the case of W-2 phishing scams, the perpetrator often poses as an employer, government agency, or financial institution. The message may request that the recipient update their personal information, verify their identity, or provide their W-2 form. Typically, these emails have a sense of urgency, indicating that failure to comply will result in adverse consequences.
The contents of a phishing email are often compelling and appear to be authentic. They may contain official logos, legal disclaimers, and even legitimate contact details. However, closer examination often reveals telltale signs of phishing. For example, the email address of the sender may not match the organization they claim to represent, or the message may contain poor grammar and spelling. Additionally, phishing emails often require the recipient to click a link or open an attachment—actions that could potentially install malware on the victim’s device or redirect them to a fraudulent website.
McAfee Pro Tip: Nowadays, those sneaky social engineering tricks look a lot like legit messages from well-known folks. They’re super well-crafted, with proper grammar, and seamlessly fit into everyday situations. But don’t be fooled by their slick appearance – underneath it all, they’re still after your sensitive info. Keep your personal stuff safe and sound with McAfee+ to dodge the headaches that come with social engineering.
Recent years have seen a significant increase in the number of reported W-2 phishing scams. According to the FBI’s Internet Crime Complaint Center (IC3), thousands of these scams occur every tax season, leading to substantial financial losses and ID theft. Not only does this affect individuals, but businesses too. In fact, some companies have reported instances where their entire workforce was targeted, resulting in massive data breaches.
The impact of falling for a W-2 phishing scam can be devastating. Once cybercriminals have gained access to your financial data, they can use it in a variety of malicious ways. This may include filing fraudulent tax returns, opening new credit accounts, or even selling the information on the black market. The recovery process from such scams can be lengthy and stressful, as victims have to prove their identity to the IRS, their bank, and credit reporting agencies. Additionally, they need to monitor their financial activity closely for signs of any further unauthorized transactions or fraudulent activities.
→ Dig Deeper: Watch Out For IRS Scams and Avoid Identity Theft
Given the prevalence and potential impact of W-2 phishing scams, it’s crucial to take steps to protect yourself. One of the most effective strategies is to improve your digital literacy, namely your ability to identify and respond appropriately to phishing attempts. This includes being skeptical of unsolicited emails, especially those that ask for personal or financial information. Always verify the sender’s identity before responding or clicking any links. Remember, legitimate organizations rarely request sensitive information via email.
Another important safeguard is to ensure your computer and mobile devices are protected with up-to-date security software. This can help identify and block potential phishing emails and malicious links. Further, regularly backing up data can help mitigate the potential damage caused by a successful breach. Consider using a secure cloud service or an external storage device for this purpose.
Next is to file your tax returns as early as possible. By doing so, you can beat the scammers who might make an attempt to file a fraudulent tax return in your name. Additionally, if you receive an email that appears suspicious, do not click on the links or download the attachments included in that email. Instead, forward the suspicious email to phishing@irs.gov.
Finally, two-factor authentication (2FA) is another excellent way to safeguard your data. By enabling 2FA, you are adding an extra layer of security that makes it harder for cybercriminals to access your data even if they get your password. Additionally, always be cautious about sharing your personal and financial information online. Make sure that you only enter such information on secure websites – those with ‘https://’ in the URL. Regularly check your financial accounts for any suspicious activity and report immediately to your bank if you notice anything unusual.
If you believe you have fallen victim to a W-2 phishing scam, it is crucial to act quickly. If you have divulged your social security number, contact the IRS immediately. They can aid you in taking steps to prevent potential tax fraud. Additionally, it would be wise to file an identity theft affidavit (Form 14039) with the IRS. This form alerts the IRS to the theft of your identity and allows them to secure your tax account.
Additionally, you should report the phishing scam to the Federal Trade Commission (FTC) using the FTC Complaint Assistant at FTC.gov. If you have clicked on a link or downloaded a suspicious attachment, run a full antivirus scan to check for malware. You should also consider placing a fraud alert or a credit freeze on your credit reports, which makes it harder for someone to open a new account in your name. Finally, you should check your credit reports frequently for any signs of fraudulent activity.
→Dig Deeper: Credit Lock and Credit Freeze: Which Service Is Best for You? Both!
Protecting your financial data during tax season is crucial, and being aware of phishing scams can save you from a world of trouble. By understanding the nature of W-2 phishing scams and implementing the above-mentioned best practices, you can keep your sensitive information safe. Remember to always be skeptical of unsolicited emails and never share personal or financial information unless you can confirm the legitimacy of the request. By doing so, you will not only protect yourself but also contribute to the collective fight against cybercrime.
Protecting your W-2 information during tax season is not a one-time effort but a continuous process. Always stay vigilant, and remember that it’s better to be safe than sorry. If you ever suspect that you have become a victim of a W-2 phishing scam, take prompt action by reporting it to the relevant authorities and taking necessary measures to mitigate possible damages. The key to staying safe is staying informed, vigilant, and prepared.
The post How to Protect Your Financial Data During Tax Season appeared first on McAfee Blog.
Bullying is a pervasive problem in our society, occurring in schools, workplaces, online, and even within families. It can cause immense physical and emotional pain, leading to decreased self-esteem, increased anxiety, and even suicide in extreme cases. Given its severe potential consequences, it’s critical for every one of us to take steps to end the hate and stomp out bullying.
This article explores 10 ways in which you can stand up against bullying, ranging from individual actions to community-based initiatives. Remember, each effort counts. Together, we can create a world where respect, kindness, and acceptance rule over hate and intimidation.
Before we delve into the various ways to combat bullying, it’s important to first understand what it is. The World Health Organization defines bullying as “repeated exposure to negative actions from one or more individuals.” These actions may involve physical aggression, verbal abuse, intentional exclusion, public humiliation, or harmful manipulation.
Understanding the nature and effects of bullying is the first step in combating it. Recognizing the signs of bullying is essential in identifying victims or perpetrators. Those who are bullied often exhibit signs such as unexplained injuries, poor performance or attendance at school or work, changes in eating habits, or sudden loss of friends. On the other hand, those who bully often exhibit increased aggression, difficulty accepting responsibility for their actions, and a constant need to dominate or control others.
Education is a powerful tool in the fight against bullying. By educating yourself about different forms of bullying, its impact, and why it happens, you can better understand the reasons behind these harmful behaviors and approaches to address them. Learn about not just physical and verbal bullying, but also cyberbullying, sexual bullying, prejudicial bullying, and relational aggression.
There are plenty of resources available that can help increase your understanding of bullying. Anti-bullying organizations offer detailed information on different types of bullying, how to identify them, and ways to prevent them. Books and documentaries can also provide personal narratives and insights into the effects of bullying, giving you a deeper understanding of its impact on individuals.
After educating yourself about bullying, the next step is to raise awareness. By spreading the word about bullying and its harmful effects, you can bring this issue to the forefront of more people’s minds. This can be achieved through discussions, presentations, social media campaigns, or organizing events focused on bullying prevention.
Bullying often thrives on silence and ignorance. By bringing the issue to light, you empower victims, bystanders, and even bullies to change their behaviors and attitudes. Remember, change starts with awareness. The more people know about the issue, the more they can do to help combat it.
→ Dig Deeper: What You Do Now To Protect Your Child From Cyberbullying
Empathy is a powerful weapon against bullying. By empathizing with the victim, you are not only providing emotional support but also validating their feelings and experiences. It can help them feel less isolated and more confident to stand up against the bully.
Showing empathy also extends to those who bully. It’s essential to understand that bullies often act out due to their own difficulties. Demonstrating empathy doesn’t mean condoning their actions, but rather understanding their problems and helping them seek the needed support. It also means helping them realize the harm they’re causing and encouraging them to change their patterns of behavior.
→ Dig Deeper: Digital Strategies to Safeguard Your Child from Upsetting and Violent Content Online
Good behavior is often emulated. Thus, being a good role model can have a significant effect on how others treat people around them. Show respect, kindness, and understanding in your everyday interactions, and stand up against any form of intimidation or humiliation you witness.
If you’re in a position of authority (like a parent, teacher, or manager), your role modeling has an even greater impact. Show how conflicts can be resolved calmly and respectfully, and do not tolerate any form of bullying. This not only creates a positive environment but also teaches others about the importance of respectful interactions.
→ Dig Deeper: Helping Kids Think Critically About Influencers They Follow Online
Encouraging open and honest communication can empower victims and bystanders to speak up against bullying. Many times, children and even adults are afraid to express their feelings or fear being dismissed or ridiculed. By promoting a safe and open communication environment, you can help them voice their concerns and experiences without fear of judgment or backlash.
Remember, communication goes both ways. While it’s important to encourage victims and bystanders to speak up, it’s equally crucial for parents, teachers, and friends to listen actively and offer support, guidance, and intervention if necessary.
Don’t be a silent bystander. If you witness bullying, stand up and speak out against it. Bystander intervention can make a significant difference, as it can deter the bully and comfort the victim. It can also encourage other bystanders to take action. But always ensure your own safety before intervening. If you fear a violent reaction, you should report the incident to a trusted adult or authority figure instead.
Speaking out against bullying also means challenging discrimination and prejudice whenever you encounter them. Whether it’s racism, sexism, homophobia, or any other form of bias, these attitudes often underpin bullying behavior. By challenging them, you’re helping to create a more inclusive and respectful society.
→ Dig Deeper: Instagram Takes Huge Step to Filter Bullies, Become a Kinder Social Hub
If you know someone who is a victim of bullying, reach out to them. Let them know that they’re not alone and that you’re there to support them. Encourage them to report the bullying, and offer to accompany them if they’re anxious about doing so. You can also help by listening to their experiences, validating their feelings, and providing advice or resources for coping with bullying.
Remember, bullying can have a deep psychological impact on its victims. They may be struggling with issues like anxiety, depression, or low self-esteem. So, your support can make a real difference to their mental well-being. If you’re worried about a victim’s mental health, urge them to seek help from a mental health professional.
If you witness or experience bullying, report it to a trusted adult or authority figure. This could be a teacher, school principal, HR manager, or police officer, depending on the context. Many victims of bullying fear retaliation and so, don’t report their experiences. However, reporting can initiate the process of addressing the issue and holding the bully accountable.
When reporting bullying, it’s important to be specific about what happened. Include details like who was involved, when and where it occurred, what was said or done, and whether there were any witnesses. If the bullying is happening online, take screenshots as evidence. Remember, your report can help protect not only you but also other potential victims.
There are many organizations and programs dedicated to preventing bullying and supporting victims. You can support these initiatives in various ways, such as by donating money or time, participating in their events, or spreading the word about their work. By doing so, you can contribute to their efforts to create a bully-free world.
These anti-bullying organizations and programs often provide resources for education, prevention, and intervention, as well as support services for victims. Their work is crucial in raising awareness about bullying, teaching people how to stand up against it, and giving victims the help they need to recover.
Here are some notable anti-bullying organizations and programs:
If you’re a victim of bullying, it’s essential to practice self-care. Bullying can take a toll on your mental and physical health, but taking care of yourself can help you cope with its effects. This could involve activities like exercising, meditating, journaling, or spending time with loved ones. It could also involve seeking help from a mental health professional.
Self-care is equally important for those supporting victims. Standing up against bullying is a daunting task, and it can leave you feeling stressed or overwhelmed. So, make sure to take care of your own well-being too. Remember, you can’t pour from an empty cup.
Bullying is a grave issue that affects countless individuals worldwide. Its impacts can be devastating, leading to physical, emotional, and psychological harm. However, each one of us can play a crucial role in combating bullying. By educating ourselves, raising awareness, demonstrating empathy, being good role models, encouraging communication, standing up against bullying, reaching out to victims, reporting incidents, supporting anti-bullying initiatives, and practicing self-care, we can contribute to creating a world free from bullying. Remember, every effort counts. Together, with McAfee, we can end the hate and stomp out bullying.
The post End the Hate: 10 Ways to Stand Up and Help Stomp Out Bullying appeared first on McAfee Blog.
While the majority of us look forward to Black Friday and Cyber Monday for the best deals, there’s another group that’s also eagerly anticipating these dates – cybercriminals. As the number of online shoppers increases, so do the opportunities for cybercriminals to steal personal and financial information. In this article, we will take a closer look at how these cybercriminals operate, and how you can protect yourself from becoming a victim.
With the advent of technology, more and more consumers are shifting towards online shopping. The COVID-19 pandemic has also forced a lot of people to favor this method of purchasing due to health and safety concerns. However, this shift has also opened up a new avenue for cybercriminals who are now focusing their efforts on gathering personal information from these online transactions. In this part of the article, we delve into how these criminals take advantage of Black Friday online sales to access and steal personal data.
The first step in understanding how to protect ourselves is to understand how cybercriminals operate. Black Friday and Cyber Monday provide the perfect opportunity for these criminals as the surge in online traffic can make their malicious activities less noticeable. They exploit the sense of urgency and excitement around these sales, using various tactics to deceive shoppers and gain access to their personal information.
One of the most common methods used by cybercriminals is phishing. It is a form of fraud where cybercriminals impersonate a legitimate organization in an attempt to steal sensitive data. During the Black Friday sale period, these criminals will send out emails or texts that appear to be from renowned retailers offering fantastic deals. However, these emails and texts are embedded with malicious links that when clicked, lead the shopper to a fake website designed to steal their personal and financial information. The shopper, lured by the enticing deal, unsuspectingly enters their details, giving the cybercriminals exactly what they want.
Another common tactic used by cybercriminals is the use of malware and ransomware. Malware is a type of software that is designed to cause damage to a computer, server, or computer network, while Ransomware is a type of malware that threatens to publish the victim’s data or perpetually block access to it unless a ransom is paid. During Black Friday, cybercriminals increase the distribution of such malicious software. Unsuspecting shoppers may download these onto their devices when they click on links or open attachments in emails offering Black Friday deals.
Once the malware or ransomware is downloaded onto the device, the cybercriminals can steal personal information, lock the device, or even use it to conduct other illegal activities. This type of attack is particularly dangerous as it not only compromises personal and financial information, but can also leave the victim with a non-functional device, adding insult to injury. The aftermath of such an attack could be extensive and costly, especially if valuable data is lost or if the ransom is paid to regain access to the device.
→ Dig Deeper: Online Shopping – How To Avoid The Bad So You Can Enjoy The Good!
Card skimming involves the illegal copying of information from the magnetic stripe of a credit or debit card. It is a serious problem in the brick-and-mortar retail sector, however, a new form of this crime has emerged and is becoming a major threat to online shoppers – E-skimming. E-skimming is a method used by cybercriminals to steal credit card information from online shoppers in real-time.
During the Black Friday period, the criminals may compromise a retailer’s website, typically by injecting malicious code into the site’s checkout process. When the shopper enters their credit card information, the criminals capture it. The information is then either used directly to make fraudulent purchases or sold on the dark web. This method is particularly challenging for retailers to combat as it can be difficult to detect, the e-skimming code may lay dormant until the checkout process is initiated, making it even harder to identify.
Now that we understand the methods used by cybercriminals, let’s explore how to protect our personal and financial information during this high-risk period. Cybersecurity should be everyone’s top priority and there are several measures you can take to ensure you don’t fall victim to these cyber-attacks.
Firstly, be skeptical of emails, texts, or advertisements offering too-good-to-be-true deals. Always double-check the source before clicking any links. It’s safer to directly navigate to the retailer’s website via your browser rather than clicking the link in an email or ad. If you receive an email from a retailer, cross-verify it by visiting their official website or contacting them directly. Avoid clicking on links from unknown or suspicious sources.
→ Dig Deeper: Invisible Adware: Unveiling Ad Fraud Targeting Android Users
Secondly, ensure your devices are equipped with up-to-date antivirus and anti-malware software. These tools can detect and block malicious activities, providing a layer of security. Regularly update your software and operating system to patch any vulnerabilities that cybercriminals might exploit. When shopping online, make sure the website’s URL begins with ‘https’, indicating it is secure and encrypted. Furthermore, regularly monitor your bank and credit card statements for any unauthorized transactions.
McAfee Pro Tip: Have you ever encountered a suspicious charge on your credit card and felt uncertain about the next steps to take? Protect yourself with McAfee’s credit monitoring service! Our tool can help you keep an eye on any unusual credit activity to detect potential signs of identity theft.
Finally, consider using a credit card instead of a debit card for online purchases. Credit cards often have better fraud protection and it’s easier to dispute fraudulent charges. Be mindful of where and how you’re sharing your personal information. Avoid making transactions over public WiFi as these networks can be easily compromised. Instead, use your mobile data or a trustworthy, private WiFi network.
While consumers can take steps to protect themselves, retailers also play a crucial role in ensuring the security of their customers’ data. They need to be proactive in implementing robust security measures and constantly monitoring for any suspicious activities. Regular audits and penetration testing can help identify potential vulnerabilities and fix them before they can be exploited.
Businesses should educate their employees on cybersecurity best practices and how to identify phishing attempts. Regular training can help prevent accidental breaches as well as deliberate insider threats. Employing secure payment systems and encryption are other steps retailers can take to safeguard customer data.
Multi-factor authentication can add an additional layer of security, making it harder for cybercriminals to gain access. Retailers should also have a response plan in place in case of a data breach, to minimize damage and swiftly communicate to affected customers.
Black Friday and Cyber Monday present lucrative opportunities for cybercriminals intent on stealing personal and financial information. However, understanding their tactics and taking proactive measures can significantly reduce the risk of falling victim to these attacks. From phishing and malware to E-skimming, the threats are diverse and evolving, but with caution and cybersecurity measures in place, both consumers and retailers can enjoy the benefits of these sales events safely.
Remember, if a deal seems too good to be true, it probably is. Be vigilant, keep your software updated, and prioritize safe shopping practices. Retailers, on the other hand, need to constantly monitor and update their security systems, educate their employees, and most importantly, ensure transparency with their customers. Together, we can make online shopping safer, not just during Black Friday, but throughout the year.
The post How Cybercriminals Are Shopping for Personal Data This Black Friday appeared first on McAfee Blog.
In a chilling echo of George Orwell’s dystopian novel 1984, it’s possible that Big Brother – or in this case, Big Hacker – might be surveilling you through your own television. Evidence is emerging that Smart TVs can be just as prone to hacking as home computers.
Security analysts Aaron Grattafiori and Josh Yavor from iSEC Partners have spent several months investigating this issue, working alongside Smart TV manufacturers to address potential vulnerabilities. They presented their findings at the recent Black Hat network security conference in Las Vegas. Their demonstration highlighted the worrying tendency of Smart TVs to pry into personal data, whether via web searches, app usage, or even physical surveillance through the built-in camera.
Despite their advanced technology, Smart TVs carry the same risks as their more primitive forebears. The primary culprit is the IP address, which allows these devices to connect with various web apps like Facebook, YouTube, and Skype. The issue is that these apps often run on the same code (such as Javascript or HTML5) as home computers or smartphones, making them susceptible to malware attacks when left unprotected.
While they might look like ordinary TVs, many Smart TVs bear a closer resemblance to laptops, incorporating internet-connected apps, video streaming services, microphones, and even internal cameras. Sure, these features enhance the viewing experience, but they can also present a clear and present danger to your privacy.
Malicious code can easily find its way into your TV through seemingly harmless chat messages or browser searches. Once it’s there, your television is open to several types of spyware. With the right code, a hacker could gain full control over your device, accessing your TV’s cameras and microphones. In essence, they could use your camera to spy on you, turning your own TV into a surveillance device.
Although manufacturers have issued fixes to reinforce the exposed code, no device is 100% secure. The scenario of hackers gaining control over a TV’s cameras and microphones is not just an invasion of privacy but can also lead to potential misuse of personal information. It’s a stark reminder of the importance of protecting our digital presence and understanding the broader implications of IoT devices in our homes. As technology continues to advance, so too must our vigilance in guarding against these emerging threats.
Regular updates are crucial to maintaining the security of your TV and its apps. The digital world is full of bugs waiting for a chance to invade your device, so don’t let outdated apps provide them the perfect entry point. Ensure your apps are updated regularly to maintain your digital fortress.
→ Dig Deeper: Why Software Updates Are So Important
Also, when it comes to Smart TVs, it’s best to use social media sparingly. Video-streaming platforms like Netflix pose less of a threat than social media sites, which are notorious hunting grounds for identity thieves. These criminals often bait their traps with fake offers and tailored “phishing” messages. Whenever possible, restrict social media usage to devices (like your computer, smartphone or tablet) that have comprehensive security protection like McAfee LiveSafe™ service, which safeguards your devices, your identity, and your data.
→ Dig Deeper: Could a Streaming Device Help Hackers Hijack Your TV?
In conclusion, while Smart TVs may be a little too clever for their own good, that doesn’t mean you can’t stay one step ahead. You just need to stay vigilant and informed about potential security threats, so you can enjoy the benefits of your Smart TV without worrying about privacy violations.
With an inbuilt camera and microphone, Smart TVs are capable of providing a stream of surreptitious surveillance data back to both manufacturers as well as potentially unscrupulous cyber criminals. With the right malware code, hackers can turn your TV into a spying device, watching your everyday activities and listening to your private conversations. This is not some fly-by-night conspiracy theory; it is a reality acknowledged by the top security researchers in the world.
It is not just your personal data that is at risk. Smart TVs, due to their inherent connectivity, can also serve as a gateway into your home network. Once hackers infiltrate your Smart TV, they can potentially gain access to your computer, tablet, or smartphone and the personal information within them. This could lead to serious breaches in financial and personal security, making Smart TV hacking a significant threat that should not be taken lightly.
→ Dig Deeper: Are Smart TVs too smart for their own good?
If the thought of your living room turning into a hacker’s surveillance paradise sends a chill down your spine, you’re not alone. The good news is that there are measures you can take to safeguard your privacy and make your Smart TV safe. First and foremost, it’s important to regularly update your TV’s firmware. Manufacturers often release patches that can fix security vulnerabilities, so keeping your TV updated is a crucial step in maintaining your privacy.
Consider disabling certain features on your TV. For instance, if you never use your TV’s camera, it would be prudent to tape it up or disable it entirely in your TV’s settings. Likewise, if your TV has ‘voice recognition’ or ‘motion control’ features, disabling them might be a good idea, as they can potentially be used to spy on you. Remember: the fewer features you activate, the fewer opportunities hackers have to exploit your TV.
One of the best ways to protect yourself is to stay informed about the latest developments in Smart TV security. Attend webinars, read articles, and follow experts in the field to keep abreast of the latest security threats and fixes. By educating yourself, you can stay one step ahead of the hackers and keep your Smart TV safe.
Secondly, make sure to use secure, unique passwords for all of your apps and online accounts. Avoid using personal information that could be easily guessed, such as your name, date of birth, or common phrases. Instead, opt for a mixture of uppercase and lowercase letters, numbers, and special characters to create a strong password. Always remember, a strong password is your first line of defense against cyber attacks.
Today, in the age of hyper-connectivity, even our televisions aren’t just for watching shows anymore; they are portals to the internet, complete with all the associated risks and threats. While Smart TVs offer a myriad of exciting features and functionalities, they also present new avenues for hackers to invade our privacy. But by staying vigilant, regularly updating our devices, using strong passwords, and carefully managing our TV’s features, we can enjoy the benefits of Smart TVs while steering clear of the risks. So, is your Smart TV spying on you? With the right precautions, you can make sure the answer is a resounding ‘No’.
The post Is Your Smart TV Spying on You? appeared first on McAfee Blog.
In recent times, the humble password’s efficacy as a security measure has come under scrutiny. With tendencies to be easily guessed, stolen, or bypassed, passwords have been deemed inadequate for securing sensitive information. Thankfully, more secure alternatives have emerged, with terms such as “two-factor” and “multi-factor” authentication gaining traction.
However, these terms may seem abstract to those unfamiliar with them, potentially leading to confusion about their functions and differences. This article aims to break down these forms of authentication, explaining how they work and how they can enhance online information security.
Before diving into the intricacies of multi-factor and two-factor authentication, it is pertinent to understand their predecessor: single-factor authentication. The simplest form of authentication, single-factor authentication, requires only one factor to verify a user’s identity. Typically, this involves matching a password with a corresponding username, a method used universally for online account logins.
While convenient in its simplicity, single-factor authentication carries glaring security flaws. Easy-to-guess passwords or stolen credentials can lead to unauthorized access, compromising the security of user accounts and confidential information. Hence, it became necessary to introduce additional layers of security to the authentication process, giving rise to two-factor and multi-factor authentication.
→ Dig Deeper: The Optus Data Breach – Steps You Can Take to Protect Yourself
Two-factor authentication augments the simplicity of single-factor authentication with an extra layer of security. Besides providing a password, users are also required to verify their identity with an additional factor that only they possess. This additional factor often takes the form of a unique code sent to the user’s mobile phone.
The rationale behind this method is straightforward: even if a hacker manages to secure a user’s password, they would still require the unique code to gain access. However, it is important to note that this method is not completely foolproof. Crafty hackers able to intercept the unique code or create duplicate websites to steal credentials can still bypass this security measure. Despite these vulnerabilities, the complexities involved in these hacking methods make two-factor authentication considerably safer than its single-factor counterpart.
Also worth mentioning is “true” two-factor authentication, which involves giving users a unique device, such as a security token, that generates a unique code for the user. This code, which changes at set intervals, is matched with a profile in a database, making guessing impossible.
Building upon the concepts of two-factor authentication, multi-factor authentication introduces even more factors for user verification. These factors usually include something that the user possesses and something unique to their physical being, such as a retina or fingerprint scan. Location and time of day can also serve as additional authentication factors.
While the notion of multi-factor authentication may seem like a concept from a science fiction movie, it is already being used extensively, especially by financial institutions. Advancements in camera technology have enabled the implementation of facial recognition as a secure method of recognition, adding another factor to the multi-factor authentication process.
→ Dig Deeper: Banks are Using Biometric Measures to Protect Against Fraud
With the potential vulnerabilities associated with single-factor authentication, implementing two-factor or multi-factor authentication for sensitive online accounts becomes a necessity. These added layers of security help to safeguard your digital information from unscrupulous elements. Two-factor authentication utilizes a password and an extra verification layer, such as a unique code sent to your mobile device, to ensure that you’re indeed the account holder. With multi-factor authentication, additional verification elements are added, such as biometric data or your physical location.
So how do you implement these forms of authentication? Most online service providers now offer two-factor authentication as an option in their security settings. Once you’ve opted for this extra level of security, you’ll be required to input a unique code sent to your mobile device each time you attempt to log in. For multi-factor authentication, the process might require additional steps, such as providing biometric data like facial recognition or fingerprints. However, these extra steps are a small inconvenience compared to the potential risk of your sensitive information being compromised.
→ Dig Deeper: Make a Hacker’s Job Harder with Two-step Verification
Biometric authentication is a subset of multi-factor authentication that relies on unique physical or behavioral traits for verification. Biometric authentication methods include facial recognition, fingerprints, iris scans, voice recognition, and even your typing pattern. These methods are gradually becoming mainstream, with smartphone manufacturers leading the way in implementing fingerprint scanners and facial recognition technology into their devices. Biometric authentication’s edge over traditional passwords lies in its uniqueness; while passwords can be guessed or stolen, biometric traits are unique to each individual.
As with all forms of technology, biometric authentication also has its drawbacks. For instance, it may not always be accurate, as facial features or fingerprints may change over time due to aging or injury. Also, there are valid concerns about privacy and the potential misuse of biometric data if it falls into the wrong hands. However, with proper safeguards and data encryption in place, biometric authentication can be a secure and efficient way to protect online accounts from unauthorized access.
McAfee Pro Tip: Biometric authentication definitely has its strengths and weaknesses, so it’s important to choose the best combination of authentication and security software for your devices and accounts. Learn more about the opportunities and vulnerabilities of biometric authentication.
As our digital footprint grows, so does the need for secure authentication methods. Single-factor authentication, although simple and convenient, is no longer sufficient to protect sensitive online information. Two-factor and multi-factor authentication provide an additional layer of security, significantly reducing the risk of unauthorized access.
Additionally, advancements in biometric technology have introduced a new realm of secure verification methods unique to each individual. Remember, the goal is not to eliminate all risks but to reduce them to a level that’s acceptable and manageable. When setting up your online accounts, always opt for the highest level of security available, whether it’s two-factor, multi-factor, or biometric authentication. Take full advantage of these methods, and ensure you’re doing everything you can to safeguard your digital information.
The post Two-Factor vs. Multi-Factor Authentication: What’s the Difference? appeared first on McAfee Blog.
As the use of mobile devices continues to skyrocket worldwide, a new danger is silently emerging against consumers. This menace, known as malicious software or malware, presents itself in various ways, affecting users in areas such as privacy, identity, and financial theft. This article delves into the deep end of how the proliferation of mobile devices is impacting consumer security.
Undeniably, mobile technology has become an invaluable part of our everyday life. Everywhere you look, you will see individuals caught up in their smartphones or tablets – browsing the internet, shopping, chatting, or even working. However, this increased dependence has not come without its pitfalls. As people tend to shy away from securing their mobile devices properly, they unknowingly expose themselves to fraudsters and hackers.
Mobile technology has become the new frontier for fraudsters and hackers. The ease and convenience that these devices offer have made consumers lower their guard, putting their personal information and security at risk. A worrying trend shows that a significant percentage of smartphone users do not bother to use a simple safeguard like a four-digit password. This lack of basic security, combined with the habit of saving login information on the device, creates an easy avenue for crime.
Statistically, mobile phones have become the prime target for theft, with cities like New York and Washington, D.C., recording high percentages of robberies involving mobile phones. This soaring rate of mobile theft offers a terrifying insight into the severity of the current situation and the challenges that lie ahead in the domain of consumer security.
→ Dig Deeper: So, Your Phone Got Stolen. Here’s What to Do.
Many factors converge to make these handheld marvels increasingly susceptible to breaches. From the expansive array of mobile apps to the subtleties of social engineering, let’s highlight key vulnerabilities and the need for heightened awareness.
Accessing another person’s mobile device has become incredibly easy. With the tech advancements we have today, a hacker can remotely control almost any mobile device. Malicious software can be designed as a harmless picture or audio clip. Unwary users who click on these links or open these attachments get malware installed on their devices without their permission.
On mobile devices, malware operates differently than early PC malware. It does not require your consent, and once installed, you lose control over your device. In essence, your device is figuratively in the hands of the fraudsters. This easy access to your device, coupled with the fact that most users do not secure their devices, has led to a surge in fraud and identity theft cases globally.
The sheer number of mobile applications available on app stores makes it difficult for users to determine which ones are safe. Malicious apps can often make their way onto app stores, and users might inadvertently download and install them, granting access to their device and personal data.
Hackers have become adept at using social engineering tactics to manipulate users into divulging sensitive information or clicking on malicious links. They might impersonate trusted entities or use psychological tricks to deceive users.
Many mobile device users are not sufficiently aware of the security risks associated with their devices. They might not realize the importance of regularly updating their operating systems and apps or employing strong passwords and other security measures.
Users who do not update their mobile operating systems are more susceptible to security vulnerabilities that hackers can exploit. Regular updates often include patches for known vulnerabilities.
→ Dig Deeper: Why Software Updates Are So Important
While many users rely on PINs or simple patterns to unlock their devices, using stronger authentication methods like long, complex passcodes or two-factor authentication can significantly enhance device security.
McAfee Pro Tip: You might be familiar with the phrases “two-factor” or “biometric” authentication. Furthermore, multi-factor authentication is gaining traction in professional settings. Amidst this sea of terminology, distinguishing between the various authentication methods can become quite a challenge. Know the difference between two-factor authentication and multi-factor authentication.
Modern criminals are well aware that your mobile device is an indispensable part of your life. This is because, in a single device, you store some of your most private conversations, confidential information, personal photos, and financial details. For many people, their smartphone is their life – from being a communication tool to a vault for their sensitive data.
These little gadgets have become the key to our personal and financial lives. As they are always on and always with us, they continually create, store, and connect us to valuable and often confidential information. This information has immense value to fraudsters and identity thieves. They realize that just like on your PC, software can track and record your online activities, chats, instant messages, emails, keystrokes, and program usage. It can also capture sensitive details such as bank account numbers, passwords, security questions and answers, GPS locations, and more.
The world of cyber threats as we know it is evolving, thanks to mobile technology. Traditional forms of cybercrime, which primarily targeted PCs are becoming increasingly sophisticated, due to the wealth of information available on mobile devices. The speed and dynamism of the mobile landscape have necessitated the development of new tactics and tools to navigate this challenging and ever-changing terrain.
Disguises and deceptions are commonplace in the mobile cybercrime arena. Things are rarely what they appear to be, with hackers and fraudsters continually developing novel and inventive ways of accessing confidential information. Therefore, the rules of the game have changed, and it is no longer sufficient to solely protect your PC with antivirus software. To ensure user security, a comprehensive approach that encompasses all devices is now paramount.
→ Dig Deeper: 4 Mobile Malware Threats You Can’t Even See
As mobile devices become an essential part of our lives, it is crucial to prioritize their security. With most devices connected to financial accounts, and storing a goldmine of personal, professional, and confidential data, it becomes a pressing necessity to invest in a comprehensive security solution. It should not be limited to an antivirus but should also extend to protecting your identity and personal data on all your devices.
A robust solution like McAfee+ service is recommended. This service not only includes antivirus protection but also safeguards the identity and data of the user and their families on ALL devices. Not only does it provide you with an antivirus shield, but it also ensures your peace of mind by offering identity and privacy protection. Investing in such a service will provide a much-needed barrier against the rising tide of mobile device-related fraud and identity theft.
As the usage of mobile devices continues to rise exponentially, so too does the threat to consumer security. The ease and convenience that these devices offer have inadvertently made them prime targets for fraudsters and hackers. As a result, there is an alarming increase in fraud, identity theft, and privacy loss.
However, as ominous as the threat landscape may seem, it can be navigated with adequate caution and security measures. Users must recognize the importance of securing their mobile devices and take necessary precautions. Investing in comprehensive security solutions that protect not just the device but also the privacy and identity of the users is a step in the right direction. As we further embrace mobile technology, we must also adapt and upgrade our security practices to ensure that these conveniences do not become our vulnerabilities.
The evolution of mobile technology has indeed changed the game in the realm of cyber threats. Still, with the right tools and practices, users can enjoy the benefits of their devices while maintaining their security and privacy.
The post Proliferation of Mobile Devices: The Impact on Consumer Security appeared first on McAfee Blog.
In today’s digital age, we know the importance of online privacy and security. However, with an increasing number of websites requiring passwords, it becomes tough to remember them all. This is where a password manager comes into play.
A password manager is a software application that is used to store and manage the passwords that a user has for various online accounts and security features. Password Managers provide a convenient and secure way of keeping track of all your passwords, ensuring that you never forget a password again. But do you need a password manager? Let’s delve into why a password manager might be necessary for you.
The internet has become an integral part of our lives. We use it for everything from banking and shopping to managing our health records. This has led to an explosion in the number of accounts and passwords we need to remember. The complexity of these accounts and the security risks associated with them mean that managing them all can be a daunting task.
Let’s discuss the importance of a password manager, why you need one, and how it can benefit you. We’ll look at the challenges of managing multiple passwords and how a password manager solves these problems.
1. The Increasing Number of Passwords to Remember
In our daily online activities, we create a lot of accounts on different websites. From social media platforms, online banking, and email service providers, to various apps we use daily. Each of these accounts requires a unique password to ensure optimal security. As the number of online accounts increases, it becomes more challenging to remember each password.
Often, due to this increasing complexity, many people opt to use one password for all their accounts or keep relatively simple passwords. Both these practices are security hazards. Using one password across all accounts means that if one account is breached, all your accounts are at risk. On the other hand, using simple passwords makes it easy for hackers to guess your password and gain access to your accounts.
2. Security and Privacy Risks
Passwords are the first line of defense against unauthorized access to your personal and financial data. Failure to properly manage your passwords can lead to data breaches, identity theft, and financial losses. According to a report by Verizon, 81% of hacking-related breaches leverage either stolen and/or weak passwords. This shows a clear link between poor password practices and security incidents.
Another major risk comes from phishing attacks. Cybercriminals often use deceptive emails and websites to trick users into revealing their passwords. If you use the same password for all your accounts or simple passwords, you become an easy target for these cyber-attacks. A password manager can protect you from such threats by generating strong, unique passwords for all your accounts.
3. The Convenience Factor
Aside from security concerns, there is also a matter of convenience. Remembering a long list of complex, unique passwords can be downright daunting. When you fail to remember a password, you have to go through the tedious process of resetting it. This is where a password manager provides a major relief. It does the hard work of remembering your passwords, so you don’t have to. With a password manager, all you need to remember is one master password.
Most password managers also fill in your login details for you automatically. This not only saves you time but also protects you from keyloggers, a malicious program that tracks your keystrokes. Keyloggers are often used by cybercriminals to steal your passwords, credit card numbers, and other sensitive information.
There are different types of password managers available, each with its unique features. Understanding the different types can help you choose the one that best suits your needs. The most common ones are:
Cloud-based Password Managers
Cloud-based password managers store your passwords on a server in the cloud. You can access these from any device with an internet connection, making them highly convenient. The disadvantage, however, is that if the company’s server is hacked, your data may be at risk. Nevertheless, most reputable cloud-based password managers use robust encryption techniques to protect your data.
Local Password Managers
Local password managers store your password data on your device. This makes them less vulnerable to server hacks. The downside is that if you lose your device or it gets stolen, you lose your password data. Unless, of course, you have a backup somewhere else.
McAfee Pro Tip: Every individual is vulnerable to data loss or theft, and safeguarding against such risks can be achieved through a simple yet crucial measure—backing up your data. This step not only protects all your information but also serves as a deterrent against cybercriminals attempting to seize what rightfully belongs to you. Know how you can protect your data through backup.
Browser-based Password Managers
Browser-based password managers are integrated into your web browser. They offer the convenience of auto-filling forms and password fields. However, they are generally less secure than standalone password managers.
With many password managers in the market, it can get overwhelming to choose the right one. Here are some key features to consider when shopping for a password manager:
1. Strong Encryption
The primary role of a password manager is to keep your passwords secure. Thus, strong encryption is a must-have feature. Most reputable password managers use AES-256 bit encryption, the same encryption standard used by banks and governments.
2. Auto-fill and Auto-change
Another crucial feature is auto-fill, which automatically fills in your login details when you visit a site. This feature not only saves time but also eliminates the risk of keyloggers capturing your keystrokes. Some password managers also offer auto-change, a feature that automatically changes your passwords at regular intervals or whenever a breach is detected
3. Two-factor Authentication
Two-factor authentication, or 2FA, adds an extra layer of security to your password manager. With 2FA, even if someone gets hold of your master password, they will also need a second factor (like a fingerprint or a unique code sent to your phone) to access your data.
4. User-friendly Interface
A password manager should be easy to use. A user-friendly interface ensures that you can quickly and easily add, retrieve, and manage your passwords.
In conclusion, a password manager is an essential tool in today’s digital age. With the increasing number of online accounts we have and the growing threats of cybercrime, a password manager provides a secure, convenient solution for managing your passwords. It not only helps you create strong, unique passwords for each of your online accounts but also remembers them for you. This eliminates the risk of using weak or the same passwords across multiple platforms, which is a significant security concern.
There are different types of password managers available, so it’s important to choose the one that best fits your needs. Look for important features like strong encryption, auto-fill and auto-change, two-factor authentication, and a user-friendly interface. With all these features in place, a password manager can significantly enhance your online security while making your life a whole lot easier.
For a comprehensive solution that encompasses all these aspects and more, consider exploring McAfee Password Manager. With McAfee, not only can you significantly boost your online security, but you can also simplify your digital life.
The post Why Do I Need a Password Manager? appeared first on McAfee Blog.
SMiShing, a term from ‘SMS phishing’, is a growing cyber threat that is as dangerous, if not more, than its sibling, “Phishing.” While the terms may seem comical, the repercussions of falling victim to these scams are no laughing matter. In an increasingly digital age, cybercriminals are taking advantage of our reliance on technology to steal personal information and leverage it for malicious purposes. This article provides an in-depth explanation of SMiShing, how it works, and, most importantly, how you can protect yourself from it.
In essence, SMiShing is a deceptive practice where scammers send fraudulent text messages masquerading as reputable institutions, aiming to dupe recipients into clicking on a link, calling a number, or providing sensitive personal information. The risk with SMiShing is that mobile users tend to trust their SMS messages more than their emails, making it an effective scamming tool. The best line of defense is awareness and understanding of what SMiShing is, how it operates, and the protective measures you can take against it.
The term ‘SMiShing’ is a concatenation of ‘SMS’ (short message service) and ‘Phishing’. The latter is a cybercriminal strategy, where scammers send emails that impersonate legitimate organizations with the aim of luring victims into clicking links and/or entering their login data or credentials. The word ‘Phishing’ is a play on the word ‘fishing’, depicting the tactic of baiting victims and fishing for their personal information.
SMiShing is a variant of phishing, a social engineering tactic where scammers resort to sending text messages instead of emails. These messages are engineered to appear as though they’ve been sent by legitimate, trusted organizations, leading the recipient to either click on a link or respond with their personal details. The transition from emails to text messages signals a shift in cybercrime trends, as scammers exploit the trust users place in their text messages, as opposed to their scrutiny of emails.
→ Dig Deeper: What Is Smishing and Vishing, and How Do You Protect Yourself?
Cybercriminals use sophisticated technology that allows them to generate cell phone numbers based on area codes. These phone numbers include a cell carrier’s provided extension, plus the last four random numbers. Once these phone numbers are generated, the scammers utilize mass text messaging services to disseminate their SMiShing bait, much like casting a large fishing net hoping to snare unsuspecting victims. A simple online search for “mass SMS software” will yield numerous free and low-cost programs that facilitate mass texting, revealing the ease with which these scams can be carried out.
→ Dig Deeper: What You Need to Know About the FedEx SMiShing Scam
SMiShing has proven to be effective mainly because most people have been conditioned to trust text messages more than emails. Moreover, unlike emails accessed on a PC, text messages do not allow for easy link previewing, making it risky to click on links embedded within the texts. The links either lead to malicious websites intended to steal data or prompt the download of keyloggers, tools that record every keystroke on your device, facilitating the theft of personal information. Alternatively, some SMiShing texts may trick recipients into calling specific numbers which, when dialed, incur hefty charges on the victim’s phone bill.
The first step towards protecting yourself against SMiShing is recognizing the threat. Cybercriminals often capitalize on the victim’s lack of understanding about how these scams work. They prey on the recipient’s trust in their text messages and their curiosity to view links sent via SMS. By understanding how SMiShing works, you are able to spot potential scams and protect yourself against them.
Typically, SMiShing messages are crafted to impersonate familiar, reputable organizations such as banks, utility companies, or even government institutions. They often induce a sense of urgency, pushing the recipient to act swiftly, leaving little to no time for scrutiny. The messages may alert you of suspicious activity on your account, a pending bill, or offer incredible deals that seem too good to be true. Any SMS message that prompts you to click on a link, call a certain number, or provide personal information should be treated with suspicion.
More often than not, recognizing an SMiShing scam relies on your observational skills and your ability to spot the tell-tale signs. One common red flag is poor grammar and spelling. Although this is not always the case, several SMiShing scams tend to have mistakes that professional communications from reputable institutions would not.
Another sign is that the message is unsolicited. If you didn’t initiate contact or expect a message from the supposed sender, you should treat it with suspicion. Additionally, reputable organizations usually employ a secure method of communication when dealing with sensitive information; they would rarely, if ever, ask for personal data via SMS.
Pay attention to the phone number. A text from a legitimate institution usually comes from a short code number, not a regular ten-digit phone number. Also, check whether the message uses a generic greeting instead of your name. Finally, use your common sense. If an offer seems too good to be true, it probably is. Also, remember that verifying the legitimacy of the text message with the supposed sender can never harm.
Many of these signs can be subtle and easy to overlook. However, staying vigilant and taking the time to scrutinize unusual text messages can save you from falling victim to SMiShing.
→ Dig Deeper: How to Squash the Android/TimpDoor SMiShing Scam
Psychological Manipulation is a critical aspect of this cyber threat, involving the art of exploiting human psychology and trust to trick individuals into revealing sensitive information or engaging in harmful actions. Even individuals with the intelligence to steer clear of scams might become vulnerable if the psychological manipulation is exceptionally compelling.
Smishing attackers employ a range of social engineering techniques that tap into human emotions, including fear, curiosity, and urgency. They often impersonate trusted entities or use personalized information to lower recipients’ guard and establish trust. The use of emotional manipulation and emotional triggers, such as excitement or outrage, further intensifies the impact of these attacks. Recognizing and understanding these psychological tactics is paramount for individuals and organizations in fortifying their defenses against smishing, empowering them to identify and resist such manipulative attempts effectively.
→ Dig Deeper: Social Engineering—The Scammer’s Secret Weapon
Arming yourself with knowledge about SMiShing and its modus operandi is the initial line of defense. Once you comprehend the nature of this scam, you are better equipped to identify it. However, understanding alone is not enough. There are several practical measures that you can adopt to safeguard your personal information from SMiShing scams.
At the top of this list is exercising caution with text messages, especially those from unknown sources. Resist the impulse to click on links embedded within these texts. These links often lead to malicious websites engineered to steal your data or trigger the download of harmful software like keyloggers. Do not respond to text messages that solicit personal information. Even if the message seems to originate from a trusted entity, it is always better to verify through other means before responding.
Furthermore, be wary of text messages that create a sense of urgency or evoke fear. SMiShers often manipulate emotions to spur immediate action, bypassing logical scrutiny. For instance, you may receive a message supposedly from your bank alerting you about a security breach or unauthorized transaction. Instead of panicking and clicking on the provided link, take a moment to contact your bank through their officially listed number for clarification.
There is also the option of using comprehensive mobile security applications. These apps provide an array of features such as text message filtering, antivirus, web protection, and anti-theft measures. Applications like McAfee Mobile Security can significantly enhance your defense against SMiShing attacks and other cyber threats.
McAfee Pro Tip: Try McAfee Mobile Security’s scam protection. It scans the URLs within your text messages to enhance your online safety. If a suspicious or scam link is detected, it will send an alert on Android devices or automatically filter out the problematic text. Additionally, it actively blocks potentially harmful links in emails, text messages, and social media if you happen to click on them by mistake, adding an extra layer of protection to your online experience.
SMiShing is a serious cyber threat that aims to exploit the trust that individuals place in their text messages. By impersonating reputable organizations and creating a sense of urgency, scammers try to trick recipients into providing personal information or clicking on malicious links. Protecting oneself from SMiShing involves understanding what it is, recognizing the threat, and adopting effective protective measures. These include being cautious of unsolicited text messages, refraining from clicking on links within these texts, and using comprehensive mobile security applications. Additionally, being aware of the red flags, such as poor grammar, unsolicited messages, and requests for sensitive information via SMS, can help in detecting potential scams. In an increasingly digital age, staying vigilant and proactive is the best way to protect your personal information from cybercriminals.
The post Understanding and Protecting Yourself from SMiShing appeared first on McAfee Blog.
With the surge in the usage of mobile phones, there has been a concurrent increase in malicious activities targeting these devices. One common technique used by hackers is to corrupt legitimate applications. Android devices, in particular, see increases in malware targeting mobile phones year by year. According to McAfee 2023 Consumer Mobile Threat Report, Clicker Malware, a type of malware that runs in the background, spread through deceptive applications masquerading as system utilities such as flashlights and task managers in 2022. Other types of malware also became rampant, such as Dropper, Hidden Ads, and FakeApp. Almost all new mobile malware targets Android’s operating system.
While the instances of smartphone malware are relatively few compared to what is seen with desktop or laptop PCs, being aware of the threat is the first step towards safeguarding yourself and your data. Thorough research of applications and their publishers is crucial. It is always safer to install applications that have high user ratings, are widely used, or have been recommended by your friends or acquaintances.
Getting apps from a reputable and well-established market is also advisable. Android users can prevent the installation of non-market apps by deselecting the “Unknown Sources” option in their device’s application settings menu. However, if this option isn’t available, it means that your mobile provider has automatically blocked applications from unknown sources.
→ Dig Deeper: Are third-party apps for you?
As you install different applications, you will notice a list of permissions for services that can access the hardware and software components on your device. You need to stay vigilant and check these permissions. If you suspect any foul play, for instance, a game or alarm clock app asking for your contact details or any other sensitive data, refrain from installing the app. In case you have any doubts regarding the data the app is accessing, the best course of action is not to install it.
Another important step that you can take is installing antivirus software on your phone. Doing this before adding any other apps to your new mobile device can help to increase its security.
McAfee Pro Tip: Enhance your mobile security with McAfee Mobile Security! Not only does it alert you to app permissions during downloads, but it also offers insights into any unexpected capabilities an app may have. Discover our software’s range of additional features for comprehensive protection.
When it comes to the complex world of mobile threats, having security software that offers multiple layers of protection can act as your best defense. For instance, McAfee Mobile Security™ for Android smartphones and tablets, BlackBerry, and Symbian smartphones is one such software.
McAfee Mobile Security provides complete antivirus, antispyware, and antiphishing facilities helping you to scan and clean malicious code from inbound or outbound emails, text messages, attachments, and files.
Other features of this security software include safe searching and shopping – protection against web threats like risky links within text messages, emails, and social networking sites, browser exploits, and malicious QR codes; app protection and app alert system – letting you review a report on your app’s access to your personal data to make informed decisions about each app; as well as a device lock feature – helping to protect against misuse of your phone and personal data by remotely locking all data, including the data on your memory (SIM) card.
→ Dig Deeper: Are Fake Apps Taking Over Your Phone?
Aside from the aforementioned steps, there are several other security measures that you can employ to protect your mobile device. A very elementary yet highly efficient method is setting up a strong password for your device. Make sure to choose one that cannot be easily guessed. Regularly updating your phone’s operating system and apps is also crucial since updates usually come with security fixes for vulnerabilities that hackers might exploit.
Next, be cautious when clicking on links in text messages, emails, or social media. Verify the sender’s legitimacy and avoid downloading attachments or clicking suspicious links. These may lead to phishing websites, which aim to deceive you into revealing sensitive information, or malware downloads that can compromise your device’s security.
One more thing to be wary of is the Wi-Fi networks that your device connects to. Public Wi-Fi networks are often unsecured and can provide an avenue for hackers to steal information. When connecting to such networks, it’s best to use a VPN (Virtual Private Network) to encrypt your data and keep it safe from prying eyes. Furthermore, always be cautious about the information you share online; avoid posting sensitive data such as your address, phone number, or personal identification number.
Recognizing malicious apps requires vigilance and a keen eye. Malicious apps often masquerade as popular apps, baiting users into downloading them. They often have strange names, with spelling or grammatical errors. Another tell-tale sign is when the app asks for unnecessary permissions that are not needed for it to function. If you find an app asking for permission to access your location or contacts when it has no need to, then it might be malicious.
Finally, note the publisher of the app. Malicious apps often come from unknown or suspicious sources. Genuine apps come from reputable companies that you can trust. Check the reviews and ratings of the app, as they often indicate the app’s legitimacy. Remember, it’s always better to err on the side of caution regarding your mobile device’s security.
→ Dig Deeper: Device & App Safety Guide for Families
In conclusion, safeguarding your mobile device from malicious apps is a task that requires constant vigilance and proactive measures. From thoroughly researching the apps you install, and carefully reviewing their permissions, to installing robust antivirus software, every step is crucial in securing your device. Moreover, recognizing the tell-tale signs of malicious apps and employing additional security measures such as strong passwords and secure Wi-Fi connections can add an extra layer of protection.
While the rise of mobile threats is alarming, being informed and taking appropriate protective measures can greatly minimize the risk. Stay safe by staying informed and always prioritize your device’s security in this increasingly digital age.
The post Beware of Malicious Mobile Apps appeared first on McAfee Blog.
In today’s digital age, most of our personal information and sensitive data are stored online. From banking transactions to vital records, everything lies behind the protective screen of our passwords. The importance of having strong, unique passwords cannot be overstated. However, most individuals tend to use weak passwords or reuse the same password over and over, exposing their digital assets to potential hackers.
Based on a study conducted by McAfee, consumers tend to estimate the value of their digital assets, distributed over multiple devices, to be around $35,000. These digital assets not only include music, videos, photos, and apps but also important information like emails, texts, health and financial records, resumes, and even portfolios. The very thought of losing all this data to cybercriminals is horrifying but is a potential risk if you rely on weak passwords.
Many individuals prefer to reuse their passwords as it’s easier to remember one password rather than a multitude. However, by doing so, you’re inviting a potential breach. If hackers decipher the password for one account, they gain access to all your accounts. Moreover, the challenge is further escalated by the inconsistent password policies across different websites, with some allowing usage of special characters while others don’t.
→ Dig Deeper: Digital Estate Planning – What to Do With Your Digital Assets
A weak password is one that lacks the necessary characteristics to withstand modern hacking techniques. These vulnerabilities often include brevity, where a password is too short to provide sufficient security. Short passwords, especially those with fewer than eight characters, are much easier for attackers to guess using brute force or dictionary attacks. Additionally, weak passwords often lack complexity, relying solely on letters or numbers without incorporating a mix of uppercase letters, lowercase letters, numbers, and special characters. This makes them susceptible to straightforward hacking attempts.
Furthermore, weak passwords may be derived from easily accessible personal information, such as the user’s name, birthdate, or other readily available details. Attackers can often exploit this information through social engineering or data breaches. Additionally, common words, phrases, or dictionary terms in passwords, like “password” or “qwerty,” are particularly weak, as they are frequently targeted in automated password-cracking attacks. To ensure the strength of a password, it is essential to create long, complex, and unique combinations that are challenging for attackers to decipher.
What are the potential consequences of a weak password? A determined hacker can track a person’s online activity, identify and hack weak passwords then use those weak passwords to access banking information, credit card numbers, and personal data used to steal a person’s identity. Remember: Just as you go to work each morning to put food on the table for your family, a hacker has similar goals. So, work with equal diligence to protect what’s yours.Here’s a look at some intriguing numbers that underline the scale of the problem:
The need for a better password management strategy is evident. Start by ensuring you use different passwords for each of your accounts. Even though it’s tempting, avoid using the ‘remember me’ function on your browsers or mobile apps. This function offers convenience but at the risk of revealing your passwords if your device gets stolen or lost.
Avoid entering passwords on computers that you don’t control, like those in an Internet café or library. Further, avoid accessing your accounts via unsecured Wi-Fi connections, such as those at an airport or coffee shop, as hackers can easily intercept your data. Use a VPN. Also, remember, your password is private. Do not share it with anyone. You never know when a trusted friend might turn into a threat.
→ Dig Deeper: Why You Need to Watch Out When Using Public Wi-Fi
Creating a strong password is not as complicated as it seems, and there are several strategies you can apply to create one. A strong password should be long (at least 12 characters), include a mix of letters (both upper and lower case), numbers, and special characters. Avoid using dictionary words, personal information like your name, date of birth, etc., and avoid obvious keyboard paths like “qwerty” or “123456”.
One effective method to create a strong password is to use a phrase or sentence that is meaningful to you, and use the first letter of each word, include numbers or special characters to replace some letters. For example, “My cat Whiskers was born on July 7.” could be transformed into “McWwboJ7.”. This password is strong, unique, and easier to remember than a random string of letters, numbers, and special characters.
Keeping track of different passwords for each account can be challenging. This is why using password managers can be useful. Password managers like LastPass, Dashlane, or McAfee’s password manager can securely store your passwords and help you log in to your accounts with just a click. They also generate strong, unique passwords for you and store them in an encrypted vault, only accessible with a master password.
The master password is the only one you need to remember, so make it a strong one. Also, most password managers offer multi-factor authentication, adding an extra layer of protection. Remember, just like your passwords, your master password should be kept private and not shared with anyone.
Use unique passwords and MFA. If taken seriously, these two extra steps could save you a million headaches. Use unique passwords for each of your accounts. By using different passwords, you avoid having all of your accounts become vulnerable if you are hacked (think domino effect). Then activate MFA, a Multi-Factor Authentication (also called two-step verification or authentication ). MFA confirms a user’s identity only after presenting two or more pieces of evidence. Though not 100% secure, this practice adds a layer of security to an account.
McAfee Pro Tip: Whenever possible, opt for true two-factor and multi-factor authentication. These are robust and dependable verification methods, so make the most of their security benefits. Take advantage of biometric authentication like fingerprint reading and facial recognition. Learn more about 2FA and MFA.
Our digital assets are extremely valuable, and in our increasingly digital world, protecting them becomes even more critical. The key to strong password management involves creating unique, complex passwords, not reusing them across platforms, and changing them regularly. Using tools like password managers can simplify this process and provide additional security. And of course, adding antivirus, like McAfee antivirus, and other security solutions on top of password management is also encouraged. Ultimately, taking these steps can help you secure your digital life and avoid a potential cyber nightmare.
The post Weak Passwords Can Cost You Everything appeared first on McAfee Blog.
Every day, life for many consumers has become more “digital” than before—this has made day-to-day tasks easier for many of us, but it also creates new challenges. From online banking to medical records, protecting our private, personal information is imperative.
Too often, the same password is used for multiple online accounts—for instance, you might log in to your online banking site with the same password you use for your personal email account. In a McAfee survey, 34% of people reported that they use the same password for multiple online accounts. Using identical passwords is convenient for us as users, but it’s also convenient for any hacker trying to steal personal information—once a hacker has access to one of your accounts, he can use a recycled password to snoop around at will.
Certainly, using more than one password and passphrases that include a mix of upper and lower case letters, numbers, and symbols and is at least ten characters in length goes a long way towards keeping malicious people at bay, but unfortunately, merely adding variety to your login information doesn’t guarantee security. In The Easiest Ways to Not Get Hacked, author Rebecca Greenfield included this chart showing just how much difference one character in length makes:
One of the most important accounts to keep secure is your primary email account—and here’s why: sooner or later, we all have to use the “I forgot my password” option, which typically sends a password reset email.
A hacker only needs to crack the password for your primary email account, and he’ll be able to access any of your other secure accounts simply by clicking the “forgot password” button when he sees it. This is known as a single point of failure, meaning it’s the one piece in any system that can bring down your whole system.
McAfee Pro Tip: If you’re having trouble remembering all your complex passwords on multiple accounts, a password manager can help you save time and effort while securing your accounts and devices. Learn more about McAfee’s password manager.
Establishing a separate email account for registration is one idea—in other words, your “I forgot my password” emails would all be sent to an account other than your primary email account. But even in that situation, there’s still only one password between a hacker and most of the data you want to keep from a hacker’s hands—from financial accounts and bank access to your weekly grocery delivery service. So the real question, even if you’re savvy enough to have a separate email address for password rescue, is: how do you make any email account more secure?
Two-step verification (often referred to as two-factor authentication) is a system designed to give you an extra layer of security that’s easy to use and indispensable for commercial or highly sensitive accounts. Two-step verification protects your email with not only a password but also by associating your account with a specific device or devices. A recent example of how this works comes from Google. In the case of Google’s two-step verification for Gmail accounts, a user simply re-authorizes the account every 30 days, by providing a numeric code that confirms the account.
→ Dig Deeper: Two-Factor vs. Multi-Factor Authentication: What’s the Difference?
The extra step and learning a new system of security sounds like an enormous hassle, but Google has taken the pain out of the process by allowing you to obtain the code in one of three ways:
This means that a hacker who wants to access your email account can only do so if he has access to your text messages or your landline phone. It might not stop every cybercriminal, but it does make the average hacker’s job a lot harder.
McAfee Pro Tip: Some hackers may go as far as calling your personal numbers, if they have access to them, and ask for your two-factor verification code to access your financial accounts, citing that they need it for their ongoing promotions or measures to improve your account security. This is a social engineering tactic that you should familiarize yourself with. Learn more about social engineering.
This two-factor authentication, while not new, is making major inroads among websites, apps, and services that process critical information. Many corporations have used hardware-based secondary authentication codes for years, but Google and others (including Twitter) are working hard to make this enhanced authentication flow a more practical and accessible part of our working lives.
New biometric verification options, such as a retina or fingerprint scan, are also catching on among security-conscious consumers, and will likely be a feature on more devices in the future. As times change, and more sensitive information flows through these sites, we can be sure to see more of these processes put into place.
→ Dig Deeper: How Virtual Reality and Facebook Photos Helped Researchers Hack Biometric Security
Two-step verification offers multiple benefits in the world of digital security. The key merit is that it presents an extra hurdle for hackers to overcome. If a hacker has breached your password, they still have to pass the second level of verification. As such, two-step verification makes your information harder to access, giving you added peace of mind.
Apart from enhancing security, two-step verification simplifies the recovery process if you ever forget your password. Since you have set up a secondary recovery method, you can use it to reset your password. This reduces the risk of losing access to your account due to forgotten passwords.
→ Dig Deeper: Let’s Make Security Easy
Setting up two-step verification on your accounts is relatively straightforward process. The first step is to go to the account settings of the platform where you want to enable this feature. Once you are there, locate the two-step verification or two-factor authentication option. Click on it, and follow the prompts. Typically, the system will ask for your phone number or an alternative email address to send the verification code to complete the process. Once that is done, you are all set.
From then on, every time you log in, you will need to input not only your password but also a unique code sent to your phone number or alternative email. Remember to choose a method that is convenient for you. For instance, if you are always on your phone, it may be easier to opt for the text message verification code option. This ensures that you can always promptly complete the second step of verification whenever you log in.
→ Dig Deeper: Protect Your Social Passwords with Two-Step Verification
While two-step verification offers an added layer of security, it is not foolproof. One potential challenge is that a hacker could intercept the verification code. Despite its rarity, this type of security breach is possible and has occurred. Furthermore, you might face issues if you lose the device used for verification. For example, if you lose your phone and have set it up for receiving verification codes, you might struggle to access your accounts.
Moreover, two-step verification can be inconvenient for some people. It adds an extra step every time you log in, and if you do not have immediate access to your verification device, you might be locked out of your accounts. Despite these challenges, the benefits of two-step verification far outweigh the potential drawbacks, and it remains a robust and recommended security measure in the digital era.
In conclusion, two-step verification offers a critical layer of security in protecting your digital assets. As life becomes increasingly digitized, and we continue to store more personal and sensitive information online, it is crucial to employ strong security measures like two-step verification. While it might seem like a bit of a hassle at times, the added security it provides, the peace of mind and the protection of your personal information make it a worthwhile endeavor. As the old saying goes, “It’s better to be safe than sorry.”
Therefore, embrace two-step verification and make it harder for hackers to gain access to your information. After all, security in the digital sphere is not a luxury, but a necessity.
To further protect your digital assets, consider McAfee+, our most comprehensive online protection software. Protect your mobile, laptops, computers, and IoT devices with reputable security software.
The post Make a Hacker’s Job Harder with Two-step Verification appeared first on McAfee Blog.
In the last decade, Bitcoin has emerged as a revolutionary form of digital asset, disrupting traditional financial markets along the way. Unlike traditional currencies issued by national governments (fiat money), Bitcoin is a decentralized form of money operated via a peer-to-peer network. This means it is not regulated or controlled by any central authority or government. This, along with many other characteristics, offers a range of benefits but also poses certain risks. In this article, we will examine these advantages and challenges to help you evaluate whether the benefits of Bitcoin outweigh the risks.
Bitcoin was created in 2009 by an anonymous person or group of people using the pseudonym Satoshi Nakamoto. As the first cryptocurrency, Bitcoin introduced a new kind of money that is issued and managed without the need for a central authority. Not only is Bitcoin a single unit of currency (simply referred to as a “bitcoin”), but it is also the decentralized, peer-to-peer network that enables the movement of that currency.
Bitcoin transactions are verified by network nodes through cryptography and recorded on a public ledger called blockchain. A user can access his or her bitcoins from anywhere in the world, as long as they have the private key to their unique Bitcoin address. Now, let’s delve into the inherent benefits and risks associated with Bitcoin.
This digital cryptocurrency has gained immense popularity and continues to capture the imagination of investors, tech enthusiasts, and financial experts alike. As we dive into the world of Bitcoin, let’s also uncover the myriad benefits it brings to the table, from decentralization and security to financial inclusion and innovation.
As a decentralized form of currency, Bitcoin is not subject to control by any government, bank, or financial institution. This ensures that the value of Bitcoin is not affected by monetary policies or economic conditions of any specific country. It also means there is no need for intermediaries, such as banks, to process transactions. As a result, Bitcoin transactions can be faster and cheaper than traditional money transfers, particularly for international transactions.
Furthermore, this decentralization offers potential benefits in regions where the local currency is unstable or access to banking is limited. For those without bank accounts, Bitcoin provides an alternative way to store and transact money. It also provides a safeguard against the risks of government-controlled fiat currency, such as inflation or deflation. This property of Bitcoin has been particularly attractive in countries experiencing hyperinflation, such as Venezuela.
Bitcoin transactions are recorded on a public ledger, the blockchain, which is accessible to anyone. This ensures a high level of transparency, as the flow of Bitcoins and the transactions can be tracked by anyone. Nonetheless, while transactions are public, the identities of the parties involved are pseudonymous. This offers a level of privacy and anonymity to users, as their real-world identities are not directly connected to their Bitcoin addresses, offering more privacy than traditional banking systems.
Moreover, because of its immutable and transparent nature, Bitcoin has potential uses beyond being a currency. The underlying blockchain technology has numerous potential applications, including secure sharing of medical records, supply chain management, and secure transfer of assets like land deeds and other legal documents.
→Dig Deeper: Demystifying Blockchain: Sifting Through Benefits, Examples and Choices
Bitcoin stands as both an enigma and a harbinger of change. Its meteoric rise to prominence has captivated the world, yet it has also garnered its fair share of scrutiny and caution. Now, let’s examine the flip side of the digital coin – the risks that come with it.
Price Volatility
One of the most well-known risks of Bitcoin is its price volatility. The value of a bitcoin can increase or decrease dramatically over a very short period. This volatility can result in significant financial loss. While some traders may enjoy this volatility because it provides exciting opportunities for high-return investments, it can be a risky venture for those seeking stability, particularly for those who intend to use Bitcoin as a regular currency.
The volatility also makes Bitcoin less feasible as a store of value. With traditional currencies, individuals can expect the purchasing power of their money to remain relatively stable over short periods of time. With Bitcoin, however, the purchasing power can fluctuate wildly from day to day.
While the Bitcoin network itself has remained secure since its inception, the ecosystem around it is not entirely secure. Bitcoin wallets and exchanges, which are necessary for users to store and trade Bitcoins, have been the targets of hacking in the past. In some instances, users have lost their entire Bitcoin holdings.
Bitcoin transactions are irreversible. Once a transaction is initiated, it cannot be reversed. If the transaction is fraudulent or a mistake has been made, it cannot be corrected. This risk factor demands a high level of care and caution by Bitcoin users. The anonymity of Bitcoin can also facilitate criminal activities such as money laundering and the buying and selling illegal goods, which can impact users indirectly.
→Dig Deeper: Crypto Scammers Exploit: Elon Musk Speaks on Cryptocurrency
Bitcoin operates in a relatively gray area of law and regulation. While it is not illegal, its status varies widely around the world. Some countries have embraced Bitcoin as a legitimate payment method, while others have banned or restricted it. The variability of regulation creates uncertainty and poses a risk for Bitcoin users. There’s also a risk that future regulation could adversely affect Bitcoin. For instance, if a major government declared Bitcoin use illegal, or one of the world’s largest exchanges was hacked, the value of Bitcoin could plummet.
Due to Bitcoin’s decentralized nature, lawmakers and regulatory bodies may find it difficult to draft and implement effective regulations that do not stifle innovation. The digital nature of Bitcoin also poses challenges with legal protections that are generally applied to traditional instruments, such as the ability to challenge fraudulent transactions.
→Dig Deeper: Cryptohacking: Is Cryptocurrency Losing Its Credibility?
When comparing the benefits and risks of Bitcoin, it becomes clear that this cryptocurrency presents both unique opportunities and challenges. On the positive side, its decentralized and peer-to-peer nature offers a level of independence and flexibility not found in traditional financial systems. Additionally, its underlying blockchain technology offers potential for numerous applications beyond cryptocurrency itself.
However, these benefits must be weighed against the risks they pose, including its high price volatility and security issues, and the potential consequences of an uncertain regulatory environment. These risks underline the need for caution and due diligence before investing in or transacting with Bitcoin.
As the first cryptocurrency, Bitcoin is still in its early stages and will likely continue to evolve. As its regulatory environment becomes clearer and its technology becomes more established, the risks associated with Bitcoin may decrease. However, until then, a balanced perspective on the benefits and risks of Bitcoin is essential for anyone considering participating in its network.
McAfee Pro Tip: Bitcoin’s security issues are one of the main risks you need to consider and watch out for if you wish to invest in Bitcoin. Traditional or cryptocurrency, learn how to protect your finances online.
In a remarkably short time, Bitcoin has evolved from a fringe concept to a global financial phenomenon, challenging conventional notions of currency and decentralization. While its disruptive potential, innovation, and the allure of financial autonomy are undeniable, Bitcoin’s journey is punctuated with volatility, regulatory ambiguities, and security concerns that demand cautious consideration. As it continues to capture the world’s imagination, Bitcoin stands as both a symbol of the digital age’s possibilities and a stark reminder of the complexities and challenges associated with redefining the future of finance. Its ultimate role in the global economy remains uncertain, but its impact on the way we perceive and utilize money is undeniable, solidifying its place in history as a transformative force in the world of finance.
As individuals, it is essential to safeguard your digital assets, traditional financial resources, and online financial dealings to ensure a secure and unrestricted existence in the modern world. That’s why we encourage you to improve your digital security. Check out our McAfee+ and Total Protection to boost your protection.
The post Do the Benefits of Bitcoin Outweigh the Risks? appeared first on McAfee Blog.
If you’re facing issues with your PC’s performance or just want to upkeep it, regular cleaning should be on your to-do list. Cleaning up your PC has several advantages, including speeding up your system and safeguarding your personal information from potential threats. Besides, the process frees up storage space, enabling you to install more programs or store more multimedia files. A monthly clean-up is usually recommended for optimal results. Those who have never cleaned their PC might be in for a pleasant surprise with its much-enhanced speed and improved performance. In this guide, we will explain the ins and outs of PC cleaning to help you on the right path.
Over time, as you store multiple files on your PC, they begin to take up more and more space. Specifically, your C drive might be gradually filling up due to backup files, hidden files, and temporary files. Additionally, even a new PC can benefit from a cleaning since it often comes with pre-installed programs that you might not need. So, what is PC cleaning? Essentially, it involves deleting unneeded files from your system when you want to free up storage space and enhance the overall performance of your PC.
One of the first steps in PC cleaning involves removing unwanted programs. This can be done by accessing the ‘Programs and Features’ section of your control panel. As a necessary measure, go through the list and note down the programs that you don’t use. If you encounter programs you don’t recognize, perform a quick internet search to understand their function before deleting them. Depending on the program’s size, removing them may not take long. Alongside removing unneeded programs, you can also use the disk cleanup utility to remove temporary files, which is another crucial aspect of PC cleaning.
McAfee Pro Tip: You may find Potentially Unwanted Programs (PUP) while cleaning your computer. PUPs are not malware. The big thing to remember is that with PUPs, you’re saying “yes” to the download, even if you’re not fully aware of it because you didn’t read the fine print in the agreements or installation steps. However, Certain PUPs come bundled with spyware like keyloggers and dialers, as well as other software designed to collect your data, putting you at risk of identity theft. On the other hand, some may bombard your device with bothersome advertisements. Learn more about PUPs to avoid downloading them unknowingly.
Temporary files consist of internet cookies and partially downloaded programs that were never installed on your system. Internet cookies store information such as user login credentials and images from websites visited. They primarily identify users and possibly prepare customized web pages or save necessary information. One of the advantages of these cookies is that they save you from entering your login information each time you visit a website. Moreover, web pages and online media you visit are stored in your browser’s cache, speeding up the browsing experience during your next visit.
Your PC automatically stores files from the websites you visit on your hard drive. If not removed, these files accumulate over time and take up a significant amount of space on your PC. People often install programs on their PCs and forget to remove them after use, consuming much more space than they might think. Regular PC cleaning is an effective solution to prevent such issues.
→Dig Deeper: What Is Disk Cleanup And Does It Remove Viruses?
While many believe that deleting files from their hard drive can increase the speed of their PC, the effect might not be as substantial as expected. Your temporary internet files can quicken the speed at which websites load because these files contain images and other media from the websites you visit. Thus, your PC doesn’t have to download them whenever you visit the same websites. However, it’s still a good practice to delete your temporary files occasionally to free up disk space.
Some programs that you download start automatically when you turn your PC on. Although automatic startup processes are beneficial for some programs, having too many can slow down your PC. It’s advisable to manage which apps run automatically during startup to enhance PC performance.
While deleting temporary internet files doesn’t pose much risk, deleting the wrong programs or certain startup items can harm your PC. Start by removing temporary files and reducing startup items to see if there’s a performance improvement. Additionally, when deleting programs, it’s crucial to be fully aware of what you’re deleting to avoid problems later on.
When you delete files from the recycle bin, they remain on your system as the deletion only removes the pointer, not the file itself. Using a file shredder can help you erase such data by overwriting the space with a pattern of 1’s and 0’s. Although this doesn’t necessarily improve performance, it helps ensure compliance with the law and prevents identity theft.
When you own a computer, much like a car, regular maintenance and cleaning are essential. While it might not entirely increase your PC’s speed, it greatly improves efficiency and functionality, making all processes run smoother. This is because each time you visit a webpage, your computer stores all types of files to remember the website and load it faster next time. This cache gets flooded with files over time, slowing down your system. PC cleaning allows your PC to breathe, making it more responsive and liberating the storage space. Significantly, it helps in data management, eliminating all unnecessary data that might be misused or lead to identity theft.
→Dig Deeper: Manage your data this Data Privacy Day
Regular PC cleaning could also potentially save your device from significant damage. Unwanted programs and apps, especially those auto-starting ones, not only consume your system’s resources but also can contain malicious content impacting your PC. Regular cleaning will ensure any potential malware or problematic software is identified and removed promptly, thus adding a layer of protection.
Let’s break down the PC cleaning process to simplify and understand it better. The process commences with uninstalling any unused apps and software. The next step involves clearing out temporary files, such as cache and cookies that accumulate over time and eat up storage space. Some PC cleaning programs also offer registry cleaning, which involves cleaning up the database that holds all the configuration settings for your PC. However, this is not always recommended.
→Dig Deeper: To Disable or Enable Cookies
Startup programs are another key area to look into. Having too many programs that start up when your computer boots can substantially slow down your system. Through PC cleaning, you can manage these programs and ensure only the necessary ones are allowed to auto-start. This will provide a noticeable improvement in your PC’s boot time and overall performance. Lastly, most PC cleaners come equipped with a file shredder that securely deletes sensitive files and ensures they can’t be recovered later. This helps in safeguarding your personal data and optimizing your PC’s performance.
Having a cleaning schedule for your PC enhances its performance over a longer time. A weekly check to scan and remove any threats or malware, monthly cleanup of temporary files, and a deep clean every six months can keep your PC in optimal condition. However, while deleting temporary files and unused applications is generally safe, it’s important to be careful when choosing files or applications to delete since deleting system files or vital applications can cause serious, potentially irreversible, damage to your PC.
It’s advisable to stick to cleaning procedures and tools you understand. Research and be sure of your actions before you delete anything you’re unsure about. Admittedly, this can be a time-consuming and tedious process. Thankfully, dedicated PC cleaning tools can simplify the task, autotomize the process, and eliminate the risk of unwittingly causing damage.
PC cleaning software, like McAfee’s Total Protection, simplifies the process of cleaning your PC. These programs are designed to detect and clear out unnecessary files, manage startup apps, and even clean the registry, often at the press of a button. It’s crucial, though, to choose a reliable and safe PC cleaning software as some can be excessive, doing more harm than good, or even carry malware. Reading reviews and understanding what each feature does is important before using PC cleaning software.
These cleaners usually come with customizable settings to suit your preferences. You can set automatic clean-ups at regular intervals, thus saving time and freeing you from the hassle of remembering to run the cleanup. A good PC cleaner should ideally also come with a file shredder to safely delete sensitive or personal files without leaving a trace.
Cleaning your PC is an essential part of maintaining its performance. While it might not drastically increase your PC’s speed, it contributes to overall efficiency, responsiveness, and longevity. It’s important to approach PC cleaning carefully, deleting with discretion to avoid accidentally removing necessary files or applications. For those who aren’t comfortable doing it manually, reliable PC cleaning software like McAfee Total Protection can simplify the process and save time. Regular cleaning keeps your PC running smoothly, prevents potential threats, and ensures your personal and sensitive information is safe. So, if you haven’t started yet, it’s never too late to begin cleaning your PC and enjoy an optimized computing experience.
The post Does PC Cleaning Improve Performance? appeared first on McAfee Blog.
With the digital lifestyle becoming more prevalent, Wi-Fi connections have become a necessity in our day-to-day lives. We frequently connect our devices to available Wi-Fi at various locations such as hotels, restaurants, cafes, and airports. The ability to be connected anywhere, anytime is extraordinary, but it also presents a significant security concern. Unsecured Wi-Fi networks can expose our personal and sensitive data to potential hackers.
These hackers can gain access to our personal data stored on our devices or observe our online activities, thereby infringing our digital privacy. Sometimes, they purposely set up deceitful free Wi-Fi connections or hotspots to entice unsuspecting users and exploit their data. Therefore, it’s important to understand the risks associated with unsecured Wi-Fi connections and adopt certain preventive measures to ensure the safety of our personal data.
Using free Wi-Fi or hotspots can indeed be convenient for users when they’re away from their secure home networks. However, such networks usually lack proper security measures, rendering them highly susceptible to various cyber attacks. Hackers often target these networks as it is easier to infiltrate and access users’ data.
The most common risk is the interception of data, where hackers can view and steal sensitive information such as usernames, passwords, and credit card details. They can also inject malware into your device through the insecure network, further compromising your data and device’s security. Additionally, the Wi-Fi you’re connecting to might be a rogue hotspot set up by hackers, designed specifically to steal user information. Therefore, the use of such networks should be approached cautiously.
→ Dig Deeper: KRACK Hack Threatens Wi-Fi Security – What it Means for You
McAfee Pro Tip: The most secure Wi-Fi network is the one that remains inactive. Deactivating the Wi-Fi signal on your device ensures that your device remains invisible, preventing your mobile from automatically connecting to any available Wi-Fi network. Pick up more tips on this blog.
Despite these risks, there are several steps that you can take to ensure your cybersecurity while using Wi-Fi connections. Firstly, it’s a good practice to turn off your Wi-Fi when you’re not using it. This prevents your device from automatically connecting to available networks, reducing the risk of connecting to an insecure network. Equally important is avoiding the use of sensitive applications or websites, like online banking services, when connected to a public network.
→ Dig Deeper: Elevate Your Financial Security: How to Safely Bank Online
Another preventive measure is to use only websites that support HTTPS protocol. The usage of HTTPS, as against HTTP, ensures secure communication over the network as the data is encrypted. This reduces the chances of your data being intercepted by hackers. Hence, always look for “HTTPS://” in the address bar of your internet browser before sharing any sensitive information.
For an extra layer of security when using public Wi-Fi or hotspots, you might want to consider investing in a Virtual Private Network (VPN). A VPN encrypts your internet connection, making it virtually impossible for hackers to intercept and view your data. While you’re connected to a VPN, all your network traffic passes through this protected tunnel, and no one—not even your ISP—can see your traffic until it exits the tunnel from the VPN server and enters the public internet.
→ Dig Deeper: On Public Wi-Fi, a VPN is Your Friend
It is also advisable to keep all your devices, browsers, and apps updated with the latest security patches. Hackers frequently exploit known vulnerabilities in outdated software, so ensuring you have the latest updates can help prevent unauthorized access to your data. Enabling automatic updates ensures that your software is always up-to-date, further protecting against potential threats.
→ Dig Deeper: Why Software Updates Are So Important
Protecting your home Wi-Fi is equally important. Always password-protect your home network with a strong, unique password, and consider changing the default user name and password that come with your router. Default logins can be easily found by attackers, making it easier for them to gain unauthorized access. Additionally, changing your router’s default Service Set ID (SSID) can make it more difficult for hackers to identify and target your network.
Another step you can take is to set up a guest network for visitors to your home. This limits their access to your main network, where your sensitive information and devices are connected. Be sure to change the password for your guest network regularly, especially after hosting guests. Lastly, turning off your network when you’re not using it, especially when you’re away from home for extended periods, can reduce the risk of unauthorized access.
→ Dig Deeper: How to Secure Your Home Wi-Fi
Smartphones have become indispensable tools for communication, work, and leisure. However, with the convenience of accessing Wi-Fi networks on these devices comes the responsibility of ensuring their security.
First and foremost, prioritize trusted networks, such as your home or office, over open or public networks. Ensure that your connections are encrypted, preferably using WPA2 or WPA3, for data protection. Create robust, unique passwords for both your Wi-Fi network and your device connections.
Furthermore, employ two-factor authentication (2FA) for added security, especially for accounts linked to Wi-Fi access. Again, a VPN can further bolster your defenses by encrypting your internet traffic, making it indispensable when using public Wi-Fi networks. But it’s also important to keep your mobile device’s software up-to-date to ensure you benefit from the latest security patches.
Finally, be wary of connecting to mobile hotspots created by other devices, as these can pose security risks if not adequately secured, and regularly audit app permissions on your mobile device and restrict access to sensitive data whenever possible.
By following these measures and best practices, you can significantly enhance the security of your mobile devices when connecting to Wi-Fi networks, safeguarding your digital privacy and peace of mind.
With the growing reliance on Wi-Fi connections to access the internet on our devices, it’s crucial to understand the security risks associated with public Wi-Fi or hotspots. Unauthorized access, data interception, and malware infections are some of the key risks when using these connections. However, by adopting appropriate measures such as using secure websites, turning off Wi-Fi when not in use, using VPN, and bolstering home network security, we can significantly mitigate these risks and ensure our personal data’s safety. So the next time you connect to a Wi-Fi network, remember to exercise caution and take steps to protect your personal information.
We encourage you to improve the layers of your digital and device security for optimal protection. Browse McAfee’s software solutions to find the best software that suits your needs.
The post Why Should You be Careful When Using Hotspots or Free Wi-Fi? appeared first on McAfee Blog.
In today’s digital world, the importance of creating and maintaining secure and complex passwords cannot be overstated. A common misconception is that a password only needs to be memorable. Whilst this is a helpful trait, it does a disservice to the importance of having a secure series of characters. This guide will walk you through why “123456” is not an acceptable password, dispel some common password misconceptions, and provide some tips on how to create a secure password.
Security is a necessary concern in the digital age. Every time we create an account, fill out a form, or simply browse the internet, we leave a digital footprint that can be traced back to us. Criminals, hackers, and other malicious parties are constantly hunting for sensitive information they can exploit. This is what makes the creation of secure passwords so vital.
Think of your password as the first line of defense against potential attackers. When your passwords are weak or predictable, like ‘123456’, you effectively leave your front door open to criminals. While it may feel like an inconvenience to memorize complex passwords, consider the potential damage that could be done should your personal or financial information fall into the wrong hands.
→ Dig Deeper: Protect Your Digital Life: Why Strong Passwords Matter
Some may argue that ‘123456’ is a good password because it’s easy to remember. This is a dangerous misconception. ‘123456’ is an extremely common password, and it’s also one of the first combinations that hackers attempt when trying to break into an account. In fact, according to reports, ‘123456’ and ‘password’ are consistently ranked as the most commonly used passwords year after year.
Another reason why ‘123456’ is not a good password is due to its lack of complexity. Many websites and online services require passwords to include a mix of upper and lower-case letters, numbers, and symbols. This requirement is not arbitrary; it’s a method proven to increase the difficulty for hackers attempting to crack your password. Using ‘123456’ as your password doesn’t meet these requirements, making it an easy target for a hacking attempt.
→ Dig Deeper: Six Easy Steps to Help Keep Hackers at Bay
Ensuring that your password adheres to certain safety standards is crucial. Here are some key checks to consider when creating a password:
→ Dig Deeper: Make Your Smart Home a Secure Home Too: Securing Your IoT Smart Home Devices
Your proactive approach to password security is the bedrock of your defense against evolving cyber threats, ensuring your digital life remains safe and sound. Make sure to follow these reminders every time you create and change passwords.
Password managers are specialized tools that generate, store, and autofill complex and unique passwords for various online accounts. They eliminate the need for users to remember and manually enter their passwords, and this not only simplifies the login process but significantly bolsters security. These tools employ strong encryption to safeguard your login credentials, ensuring your passwords remain inaccessible to hackers. Many password managers also offer the convenience of cross-device synchronization, allowing you to access your passwords securely on multiple platforms.
Cybersecurity threats are more sophisticated than ever, and easily guessable passwords are the first vulnerabilities that malicious actors exploit. So, as you aim to make your 123456 passwords more complicated, consider using a password manager to store all your passwords and help you remember them properly.
Changing passwords frequently is a habit we all need to cultivate. Doing so regularly makes it very difficult for cybercriminals to gain access to your personal information. It’s not just about protecting your accounts, but every device that holds your precious data. This habit, though may seem cumbersome initially, will eventually act as a robust shield against potential cyber attacks. Interest in cyber security is rising, and for a good reason. With more of our lives moving online, it’s crucial to stay updated on the latest trends in mobile and digital security. Many resources are available online to help individuals stay safe in the digital world. Maintaining strong, unique passwords and changing them frequently is one of the simplest and most effective ways to safeguard against cyber threats.
The frequency of changing passwords should be tailored to the security sensitivity of the account and the strength of the existing password. For high-security accounts, such as email or online banking, changing passwords every 60 to 90 days is advisable, while moderate-security accounts can be changed every 90 to 180 days. Low-security accounts may require less frequent changes, and immediate password updates are essential if you suspect a compromise. Strong, unique passwords reduce the necessity for frequent changes, and the use of two-factor authentication further enhances account security.
McAfee Pro Tip: In certain circumstances, it might become imperative to change your password without delay, particularly when a malicious actor gains unauthorized access to your account. Learn more about how often you should change your passwords.
‘123456’ is not an acceptable password due to its predictability and lack of complexity. Choosing secure passwords that are complex, unique, and difficult to guess is crucial in safeguarding your online presence. Coupled with regular password changes, using a password management solution, and avoiding default device passwords, you can ensure your personal and financial information remains secure. In the digital age, a secure password is not just a need, but a necessity. A reliable password manager, meanwhile, is a good, functional option to improve password security.
The post 123456 Is Not an Acceptable Password appeared first on McAfee Blog.
Spyware, a name that cunningly blends “spying” and “software,” is a dangerous class of invasive programs that stealthily operate on your computer. They monitor and record your activities, thus posing a significant threat to your digital privacy, security, and identity. Spyware can lead to identity theft if your personal or financial data falls into the wrong hands. This guide provides in-depth information about spyware, how it works, and how to prevent it from infecting your computer system.
Spyware is a type of malicious software that collects information about users without their knowledge. It can track every action, from keystrokes to browsing habits, thus presenting a grave threat to user privacy and security.
Designed to be stealthy and elusive, spyware can record every keystroke, capture screenshots, and even record audio and video, making it a potent tool for cybercriminals. It is often transmitted through free downloads, file-sharing programs, or deceptive links and websites.
In certain situations, spyware is perfectly legal. For example, when the owner of the computer installs and uses the software, it’s considered legal. Parents might install spyware to monitor their children’s online activities or employers to oversee their employees’ productivity.
However, when someone installs spyware on a computer without the owner’s consent, it becomes illegal. Cybercriminals often disguise spyware as legitimate programs or embed them in websites, tricking users into downloading or clicking, resulting in the stealthy installation of spyware.
→ Dig Deeper: Malware Hides in Installer to Avoid Detection
Spyware can take several shapes and forms, and its diversity makes it even more dangerous. A common form of spyware is a keylogger or a keycatcher. This hardware can be attached to a computer to capture and record keystrokes. This device can monitor user activity without being detected by typical anti-spyware software.
Spyware can also come in the form of a computer virus. When users click on a malicious link or download a corrupted program, they unknowingly install spyware on their system. Once installed, the spyware works silently in the background, capturing and transmitting user data to the attacker.
Spyware’s pervasive threat extends beyond computers and laptops; it can also manifest as mobile spyware. Mobile spyware operates similarly to its desktop counterparts but is tailored to exploit the unique characteristics of mobile platforms. Cybercriminals often employ various tactics to deliver mobile spyware–through application stores like Google Play and App Store, phishing attacks, or physical access.
→ Dig Deeper: Mobile Spyware: How Hackers Can Turn Your Phone Into a Stalking Machine
The adaptability and constantly evolving nature of spyware make it a persistent menace in the digital landscape. Its ability to take on various forms and exploit vulnerabilities underscores the importance of proactive cybersecurity measures.
The impact of spyware on identity theft cannot be understated. By stealthily recording sensitive personal and financial information, like usernames, passwords, and credit card numbers, it presents a significant risk to a user’s identity.
Stolen data can be used for various malicious activities, including unauthorized purchases, opening credit accounts, and even creating a complete identity theft. The consequences of these activities can be financially devastating and may take a significant amount of time and effort to recover from.
McAfee Pro Tip: Identity theft remains a significant problem in the United States, and there is no sign of it diminishing soon. Reports of fraud consistently indicate a continuous increase in the occurrences of identity theft in the U.S. Read the latest Identity Theft statistics.
Preventing spyware from infecting your system starts with practicing good online habits. Avoid downloading files from untrusted sources, especially torrents and software cracks notorious for being riddled with spyware. Also, be wary of pop-ups. Never click “Agree,” “OK,” “No,” or “Yes” in a pop-up, as these actions can trigger an automatic spyware download. Instead, close the pop-up by hitting the red X or shutting down your browser altogether.
Regularly updating your operating system’s security patches is another good practice. These patches often contain fixes to known vulnerabilities that spyware and other malicious programs exploit. Also, ensure to download and use your web browser’s latest, most secure version. Running reputable anti-malware programs, like McAfee Total Protection, which includes spyware removal, can help to detect and remove spyware from your system.
→ Dig Deeper: How to Live a Digital Life Free of Spyware
If you suspect your system is infected with spyware, you must act swiftly. Use a trusted antivirus program to run a system scan. If spyware is detected, the program should be able to quarantine and remove it. However, some forms of spyware are advanced and may be able to avoid detection. In such instances, it may be necessary to engage a professional to clean your system.
Part of dealing with a spyware infection is mitigating its potential effects. If your sensitive data has been compromised, consider implementing measures to protect your identity. McAfee Identity Protection provides proactive identity surveillance, which monitors your credit and personal information for fraudulent activities. If any such activity is detected, it offers access to live fraud resolution agents, who can help you resolve identity theft issues.
→ Dig Deeper: How to Wipe Out a Computer Virus
Spyware significantly threatens your digital identity, privacy, and security. It stealthily operates in the background, recording and transmitting your activities and personal information. While it can be a valuable tool for legal monitoring, its misuse by cybercriminals cannot be underestimated. Preventing and dealing with spyware requires vigilance, good online habits, and the use of trusted antivirus programs like McAfee Antivirus. Protecting your digital identity is not a one-time task but an ongoing process. Stay informed, stay updated, and stay safe.
The post Spyware: A Major Identity Theft Threat appeared first on McAfee Blog.
You’ve been fortunate over the years — no lost phone, no credit card fraud, no computer viruses. Still, deep down, you fear your sloppy digital habits will eventually catch up with you. So, instead of dread and denial, how about a little peace of mind? The perfect time to take a few easy steps and make your digital life your most unhackable is now. Here are seven easy ways to tighten up your digital habits:
This small action sounds like a big deal, but it’s easy and important. Two-factor authentication simply puts two layers of security on any personal information channels you frequent. Be it your phone, Facebook, email, or bank account, taking the extra time to implement a two-step password entry, will mean potential crooks will get frustrated and move on to someone else’s information.
McAfee Pro Tip: Go into the account settings of any important account and manually opt for a two-factor authentication account entry. Once set up, the next time you log in to your account, you’ll be prompted to provide the secondary authentication, such as entering a code from your authentication app or confirming a text message code
It’s convenient and fun to work from the local coffee shop. However, it only takes one nosey, unethical person at that location to access your computer through that shared public network. Snoopers can easily access your passwords, emails, and anything else on your computer. Do your sensitive work at home or in the office on a secure, password-protected network and save your non-wifi workload, such as report reading or writing (sans wifi) for the coffee shop. Avoid doing any banking or private work on public wifi, especially.
McAfee Pro Tip: Check the URL in your browser’s address bar. If it starts with “https” (rather than just “http”), it’s secure and encrypted, ensuring your data is protected during transmission. If it’s only “http,” the site isn’t secure, so avoid proceeding. If using public Wi-Fi, activate your firewall in your security settings to block incoming traffic and enhance protection against potential threats.
According to McAfee’s Digital Asset Study, the most common mistake consumers make is using the same password for all or most online accounts. If this is you, break this poor habit once and for all.
Take this step: Take an hour of your day and change and document your passwords. Once you’ve beefed up your passwords, you can simplify the password process by using True Key multi-factor authentication service for free. A strong password has all of the following characteristics:
→ Dig Deeper: 5 Tips For Creating Bulletproof Passwords
Simplify, simplify, simplify your gadget use, and your safety will improve immediately. With so many digital assets flying at us daily — email, images, files, documents, attachments — it’s easy to get overwhelmed. And, when we are overwhelmed, it’s easy to get sloppy in the places that matter most — like privacy. Focus on your safety and declutter your devices when needed.
To organize:
While you sleep, work, or play, hackers tirelessly attempt to infiltrate your computer with malicious software, spyware, and viruses. The lack of anti-virus software on your device is an open invitation to these cyber criminals. Therefore, consider investing in robust antivirus software this year. In addition to this, consider installing filtering software to enhance your social media safety, making it a safer platform for your entire family.
Want to take your privacy a notch higher? Consider cutting back on your social sharing. Hackers often create fake social media accounts and use them to monitor your personal data. A determined identity thief on Facebook can gather enough information about you to bypass the security questions on your accounts, potentially gaining access to your financial data. It’s time to rethink your approach to social media. Consider pruning your social circle on platforms like Facebook, Twitter, Instagram, and Snapchat to include only those you know and trust. The lure of high follower numbers is not worth the risk of a potential security breach. Remind your family never to post personal details like your full name, Social Security number, address, phone number, and account numbers on public websites.
To minimize potential damage from oversharing, exercise caution when accepting friend requests or follows from people you don’t know. Also, remember to check your privacy settings. Many platforms allow you to control who sees your posts, profile information, and tagged photos. These features will give you greater control over your online presence.
→ Dig Deeper: Protecting Your Privacy on Social Media
Updating software can seem like a chore, especially during a busy workday. However, it’s vital to ensure your digital life remains secure. Cybercriminals always look for outdated software and browsers, preying on the security gaps they exploit. If you frequently use software such as Adobe Flash, Adobe Shockwave, Adobe Acrobat Reader, Java, or browsers like Chrome and Internet Explorer, ensure you’re always running the latest version. By consciously keeping your software updated, you’re erecting yet another line of defense against potential cyber threats.
Furthermore, remember to back up your files regularly. In case of a cyber-attack, a recent backup can save you a lot of trouble and ensure you don’t lose any crucial data.
→ Dig Deeper: Why Software Updates Are So Important
As cybercrimes become increasingly rampant, consider it an ideal opportunity to tighten your digital habits. Investing a little time and effort into securing your digital life can ensure a safer, more protected online experience. Following these simple steps; implementing two-factor authentication, avoiding public wifi, strengthening passwords, decluttering devices, targeting software, reconsidering sharing habits, and staying updated can profoundly impact your digital security. Here’s to a secure and serene digital life with McAfee!
The post 7 Ways to Clean Up Those Sloppy Digital Habits appeared first on McAfee Blog.
As healthcare integrates increasingly digital processes into its operations, the need for robust security measures increases. For many of us, visiting our healthcare provider involves filling out forms that are then transferred into an Electronic Health Record (EHR) system. We put our trust in these healthcare institutions, expecting them to take the necessary steps to store our sensitive data securely. However, with a significant rise in medical data breaches, a whopping 70% increase over the past seven years, it has become more important to understand how these breaches occur and how we can protect ourselves.
Recently, LabCorp, a medical testing company, announced a breach affecting approximately 7.7 million customers, exposing their names, addresses, birth dates, balance, and credit card or bank account information. This breach occurred due to an issue with a third-party billing collections vendor, the American Medical Collection Agency (AMCA). Not long before this, Quest Diagnostics, another company collaborating with AMCA, experienced a similar breach, affecting 11.9 million users.
Medical data is, by nature, nonperishable, making it a highly valuable asset for cybercriminals. This means that while a credit card number or bank account detail can be changed if compromised, medical information remains constant, maintaining its value over time. This also suggests that once procured, this information can be used for various malicious activities, from identity theft to extortion.
Realizing that the healthcare industry is riddled with various security vulnerabilities is crucial. Unencrypted traffic between servers, the ability to create admin accounts remotely, and the disclosure of private information are all shortcomings that these cybercriminals can exploit. With such access, they can permanently alter medical images, use medical research data for extortion, and much more. According to the McAfee Labs Threats Report, the healthcare sector witnessed a 210% increase in publicly disclosed security incidents from 2016 to 2017, resulting from failure to comply with security best practices or address vulnerabilities in medical software.
→ Dig Deeper: How to Safeguard Your Family Against A Medical Data Breach
While the onus lies on healthcare institutions to ensure the security of patients’ data, there are several steps that individuals can take on their own to safeguard their privacy. These steps become particularly pivotal if you think your personal or financial information might have been compromised due to recent breaches. In such instances, following certain best practices can significantly enhance your personal data security.
One such measure is placing a fraud alert on your credit. This effectively means that any new or recent requests will be scrutinized, making it challenging for fraudulent activities to occur. Additionally, the fraud alert enables you to access extra copies of your credit report, which you can peruse for any suspicious activities.
Another effective step you can consider is freezing your credit. Doing so makes it impossible for criminals to take out loans or open new accounts in your name. However, to execute this effectively, remember that credit needs to be frozen at each of the three major credit-reporting agencies – Equifax, TransUnion, and Experian.
Moreover, vigilance plays a critical role in protecting your personal data. Regularly checking your bank account and credit activity can help you spot any anomalies swiftly, allowing you to take immediate action.
McAfee Pro Tip: To lock or to freeze? That is the question. Credit lock only offers limitations in accessing an account. A credit freeze generally has more security features and financial protections guaranteed by law and the three major credit bureaus, so you’ll have more rights and protection if identity theft, fraud, scams, and other cybercrimes occur with a credit freeze compared to a credit lock. Learn more about the difference between credit freeze and credit lock here.
Identity theft protection services offer an additional layer of security to protect your personal as well as financial information. They actively monitor your accounts, provide prompt alerts for any suspicious activities, and help you recover losses if things go awry. An identity theft protection service like McAfee Identity Theft Protection can be beneficial. Remember, however, that even with such a service, you should continue practicing other security measures, as they form part of a comprehensive approach to data security.
These services work in the background to ensure constant protection. However, choosing a reputable and reliable identity theft protection service is essential. Do thorough research before committing and compare features such as monitoring services, recovery assistance, and insurance offerings. This step can help protect you not only during medical data breaches but also on other digital platforms where your personal information is stored.
If you suspect your personal data has been compromised, you should check your bank account and credit activity frequently. Regular monitoring of your accounts empowers you to stop fraudulent activity. Many banks and credit card companies provide free alerts—through an email or text message—whenever a new purchase is made, an unusual charge is noticed, or your account balance drops to a particular level.
Besides, you should also consider utilizing apps or online services provided by banks and credit companies to keep an eye on your accounts. Such tools can help you track your financial activity conveniently and take instant action if any suspicious activity is spotted. Regularly updating your contact information with banks and credit companies is also important, as it ensures you receive all alerts and updates on time.
→ Dig Deeper: Online Banking—Simple Steps to Protect Yourself from Bank Fraud
Increased digitization in the healthcare sector has brought convenience and improved patient services. However, it also presents attractive targets for cybercriminals eager to exploit vulnerabilities for personal gain. Medical data breaches are concerning due to their potential long-term impacts, so it’s critical to protect your personal information proactively.
While healthcare institutions must shoulder the primary responsibility to safeguard patient information, users are far from helpless. By placing a fraud alert, freezing your credit, using identity theft protection services like McAfee Identity Theft Protection, and maintaining vigilance over your financial activity, you can form a comprehensive defense strategy to protect yourself against potential breaches.
The post 4 Tips to Protect Your Information During Medical Data Breaches appeared first on McAfee Blog.
Beyonce sang “if you like it you better put a ring on it” but the same can be said for our personal information on our mobiles. But rather than a ring, the lyric would be “If you like it, you better put a PIN on it.” A PIN, or Personal Identification Number, is your first defense against thieves or hackers who might want to access your private data from your smartphone or tablet.
As we increasingly depend on our digital devices to store and transfer personal data and use the internet for transactions, we are also becoming increasingly vulnerable to digital attacks on our privacy. Having a PIN on your devices is a simple but effective way to add an extra layer of security. Yet, it is reported that half of iPhone users, for instance, don’t use a lock on their devices. In another study, a nationwide survey by Consumer Reports in 2014 found that 30% of people don’t have a PIN or passcode on their smartphones or tablets. This is concerning because by not securing their devices, they are exposing themselves to potential threats of financial fraud, identity theft, and privacy loss.
Your device and its private data are invaluable resources for any potential hacker or data thief. Yet, we often do not protect our smartphones or tablets, the sensitive information they contain, or our wallets or home computers. Every day should be Data Privacy Day, a time to stress the importance of taking privacy seriously and review your privacy settings and practices.
→ Dig Deeper: What is Data Privacy and How Can I Safeguard It?
By not protecting your mobile devices, you are potentially opening yourself up to financial fraud, identity theft, and overall invasion of your privacy. The data available on your phone, from personal photos and conversations to banking information and private documents, can be a goldmine for any potential attacker. This is why companies like McAfee are announcing new pushes for personal security, such as the “Crack the Pin” initiative. This encourages people to take simple steps toward preserving their privacy by locking, tracking, and encrypting their devices.
From fortifying your online accounts with robust passwords to understanding the intricacies of encryption, and from practicing discretion in sharing personal information to recognizing the red flags of phishing attempts, let’s explore a comprehensive set of strategies and practices to help you navigate the digital world with confidence and protect what matters most—your privacy.
One way to ensure the privacy of your mobile devices is through the use of mobile security products. McAfee, for example, has products such as McAfee Mobile Security and McAfee LiveSafe that are designed specifically to protect your devices and the personal data stored on them. These products provide a wide range of security features, from data encryption to anti-theft measures and privacy protection. They can scan apps for potential threats, prevent phishing attacks, and allow you to locate, lock, and wipe your devices in case they get lost or stolen.
→ Dig Deeper: Does My Phone Have a Virus?
Beyond using security products, staying educated on the latest data privacy trends and security measures is also important. This includes keeping your operating system and apps updated, as software updates often contain vital security improvements. Regularly backing up your data is also crucial so that your personal data is not completely lost in the event of a device loss or failure.
Another important aspect of securing your mobile devices is encryption. Encryption is a process that converts your data into an unreadable format that cannot be understood without the correct decryption key. Essentially, even if a hacker or thief manages to access your device, they cannot read your data if it is encrypted. Many smartphones and tablets have encryption options built into the settings, but it’s up to the user to ensure they turn it on and use it correctly.
When it comes to encryption, it’s also crucial to understand the difference between device encryption and app encryption. Device encryption ensures that all data stored on your device is secure, while app encryption secures data within specific apps. While both are important, device encryption is generally considered more comprehensive. However, you should still check the privacy settings in individual apps to ensure your data is protected.
McAfee Pro Tip: When engaging in activities like online banking, shopping, or signing up on a website that requests your personal details, be sure to check for a website address that commences with “https:” rather than just “http:”. This signifies that the site employs encryption for added security. Learn more about encryption here.
In conclusion, securing your mobile devices and their precious personal data should be a top priority. The first step is to put a PIN on your devices and ensure it’s not easily guessable. Other important steps include refraining from sharing your PIN, using security products, staying updated on the latest privacy trends, and employing encryption for comprehensive security. Remember, data privacy is not a one-time event, but a continuous process that requires regular attention and action. So let’s take a page from Beyonce’s book and “put a PIN on it” to keep our private data safe and secure.
The post Put a PIN on It: Securing Your Mobile Devices appeared first on McAfee Blog.
For weeks and even months now, millions of us have relied on the internet in ways we haven’t before. We’ve worked remotely on it, our children have schooled from home on it, and we’ve pushed the limits of our household bandwidth as families have streamed, gamed, and conferenced all at the same time. Something else is new—more and more of us have visited our doctors and healthcare professionals online. Needless to say, this is an entirely new experience for many. And with that, I got to thinking about seniors. What’s been their experience with telemedicine? What concerns have they had? And how can we help?
For starters, an online doctor’s visit is known as telemedicine—a way of diagnosing and treating a medical issue remotely. With telemedicine, care comes from your smartphone or computer via a video conference or a healthcare provider’s portal.
Telemedicine is not new at all. It’s been in use for some time now, such as in rural communities that have little access to local healthcare professionals, in cases of ongoing treatment like heart health monitoring and diabetes care, and in situations where a visit to the doctor’s office simply isn’t practical. What is new is this: telemedicine has made a significant leap in recent months.
A recent global consumer survey by Dynata took a closer look at this trend. The research spanned age groups and nations across North America and Europe, which found that 39% of its respondents consulted a physician or healthcare professional online in the past few months. Of them, two-thirds said they used telemedicine as part of their care. Yet more telling, 84% of those who recently had a telemedicine appointment said this was the first time they used telemedicine.
Dynata’s study also looked at their attitudes and experiences with telemedicine based on age and reported that members of the Baby Boomer generation found the experience satisfactory—just over 55%. Interestingly, this was also quite consistent across other age groups, with all hovering just above or below that same level of satisfaction.
Another study gives us insight into how seniors’ opinions about telemedicine may have changed in the past year. We can contrast the findings above with a University of Michigan study that polled American adults aged 50 to 80 in the middle of 2019. On the topic of telemedicine, the research found that:
The University of Michigan study also asked how older Americans felt about telemedicine visits. At that time in 2019, only 14% said that their provider offered telemedicine visits, while 55% didn’t know if they had the option available to them at all. Just a small number, 4%, said they’d had a telemedicine visit within the year. Needless to say, it’ll be interesting to see what 2020’s results would have to say should the university run this poll again.
In terms of their experience with telemedicine, of those who had at least one telemedicine visit, 58% felt that in-person office visits provided an overall better level of care, and about 55% felt that in-person visits were better for communicating with their healthcare professional and feeling better cared-for overall.
→ Dig Deeper: 6 Tips for a Safer and Easier Telemedicine Visit
While it may seem daunting for seniors to navigate the world of telemedicine, there are several advantages to this healthcare approach. One of the main benefits of telemedicine is the elimination of travel time. This can be particularly beneficial for seniors with mobility issues or living in rural areas lacking transportation. As all consultations are conducted virtually, seniors can access healthcare from the comfort of their homes.
Another benefit is the ease of monitoring chronic conditions. Telemedicine allows healthcare providers to closely monitor patients’ symptoms and adjust treatment plans without requiring frequent office visits. This not only saves time but can also lead to better health outcomes. With health trackers and mobile applications, healthcare providers can remotely monitor vitals like blood sugar levels or heart rate, enabling immediate intervention if required.
→ Dig Deeper: How to Make Telehealth Safer for a More Convenient Life Online
The main barrier to telemedicine for seniors is often technology. A lack of familiarity with the required devices and applications can prove daunting for some. However, with a little help and guidance, this can be overcome. Caregivers, family members, or telemedicine providers can teach seniors how to use the necessary technology. Various user-friendly applications are designed with seniors in mind, simplifying the process.
Providers also often have customer support available to assist with any technological difficulties. It’s essential to remember that the benefits of telemedicine can considerably outweigh the initial learning curve of navigating these new tools. Practice and patience can go a long way in making telemedicine a comfortable and convenient option for seniors.
McAfee Pro Tip: One essential item seniors should have during their visit is a dependable device they are familiar with. This could include a desktop computer, laptop, smartphone, or tablet. Remember that certain telemedicine solutions used by healthcare providers might have specific requirements, so it’s important to check those and ensure their devices are compatible.
Telemedicine can benefit seniors, offering more accessible healthcare services and better chronic condition management. While technological may seem challenging, it can be successfully navigated with the right guidance and support. Ultimately, telemedicine is a tool to improve healthcare accessibility and outcomes for seniors, and taking the first steps towards embracing it can lead to better health and comfort.
Improve your telemedicine use with McAfee+, which comes with identity monitoring, unlimited VPN, antivirus, scam protection, data cleanup, and more.
The post Medical Care From Home: Telemedicine and Seniors appeared first on McAfee Blog.
One of the essential aspects of digital security resides in the strength of our passwords. While they are the most convenient and effective way to restrict access to our personal and financial information, the illusion of a fully secure password does not exist. The reality is that we speak in terms of less or more secure passwords. From a practical perspective, we must understand the behind-the-scenes actions that could potentially compromise our passwords and consequently, our digital lives.
Unfortunately, most users frequently overlook this crucial part of their digital existence. They remain largely ignorant of numerous common techniques that hackers employ to crack passwords, leading to the potential loss of personal details, financial information, or even identity theft. Therefore, this blog aims to enlighten readers on how they might be unknowingly making their passwords vulnerable.
Passwords serve as the first line of defense against unauthorized access to our online accounts, be it email, social media, banking, or other sensitive platforms. However, the unfortunate reality is that not all passwords are created equal, and many individuals and organizations fall victim to password breaches due to weak or compromised credentials. Let’s explore the common techniques for cracking passwords, and learn how to stay one step ahead in the ongoing battle for online security.
In the world of cyber-attacks, dictionary attacks are common. This approach relies on using software that plugs common words into the password fields in an attempt to break in. It’s an unfortunate fact that free online tools exist to make this task almost effortless for cybercriminals. This method spells doom for passwords that are based on dictionary words, common misspellings, slang terms, or even words spelled backward. Likewise, using consecutive keyboard combinations such as qwerty or asdfg is equally risky. An excellent practice to deflect this attack is to use unique character combinations that make dictionary attacks futile.
Besides text-based passwords, these attacks also target numeric passcodes. When over 32 million passwords were exposed in a breach, nearly 1% of the victims used ‘123456’ as their password. Close on its heels, ‘12345’ was the next most popular choice, followed by similar simple combinations. The best prevention against such attacks is avoiding predictable and simple passwords.
→ Dig Deeper: Cracking Passwords is as Easy as “123”
While security questions help in password recovery, they also present a potential vulnerability. When you forget your password and click on the ‘Forgot Password’ link, the website generally poses a series of questions to verify your identity. The issue here is that many people use easily traceable personal information such as names of partners, children, other family members, or pets as their answers, some of which can be found on social media profiles with little effort. To sidestep this vulnerability, it’s best not to use easily accessible personal information as the answer to security questions.
McAfee Pro Tip: Exercise caution when sharing content on social media platforms. Avoid making all your personal information publicly accessible to thwart hackers from gathering sensitive details about you. Learn more about the dangers of oversharing on social media here.
A common mistake that many internet users make is reusing the same password for multiple accounts. This practice is dangerous as if one data breach compromises your password, the hackers can potentially gain access to other websites using the same login credentials. According to a report published by LastPass in 2022, a recent breach revealed a shocking password reuse rate of 31% among its victims. Hence, using unique passwords for each of your accounts significantly reduces the risk associated with password reuse.
Moreover, it’s also advisable to keep changing your passwords regularly. While this might seem like a hassle, it is a small price to pay for ensuring your digital security. Using a password manager can help you remember and manage different passwords for different websites.
Social Engineering is a non-technical strategy that cybercriminals use, which relies heavily on human interaction and psychological manipulation to trick people into breaking standard security procedures. They lure their unsuspecting victims into revealing confidential data, especially passwords. Therefore, vigilance and skepticism are invaluable weapons to have in your arsenal to ward off such attacks.
The first step here would be not to divulge your password to anyone, no matter how trustworthy they seem. You should also be wary of unsolicited calls or emails asking for your sensitive information. Remember, legitimate companies will never ask for your password through an email or a phone call.
Despite the vulnerabilities attached to passwords, much can be done to enhance their security. For starters, creating a strong password is the first line of defense. To achieve this, you need to use a combination of uppercase and lowercase letters, numbers, and symbols. Making the password long, at least 12 to 15 characters, significantly improves its strength. It’s also advisable to avoid using common phrases or strings of common words as passwords- they can be cracked through advanced versions of dictionary attacks.
In addition to creating a strong password, adopting multi-factor authentication can greatly enhance your account security. This technology requires more than one form of evidence to verify your identity. It combines something you know (your password), something you have (like a device), and something you are (like your fingerprint). This makes it more difficult for an attacker to gain access even if they have your password.
→ Dig Deeper: 15 Tips To Better Password Security
The future of passwords looks promising. Scientists and tech giants are working relentlessly to develop stronger and more efficient access control tools. Biometrics, dynamic-based biometrics, image-based access, and hardware security tokens are some of the emerging technologies promising to future-proof digital security. With biometrics, users will no longer need to remember complex passwords as access will be based on unique personal features such as fingerprints or facial recognition.
Another promising direction is the use of hardware security tokens, which contain digital certificates to authenticate the user. These tokens can be used in combination with a password to provide two-factor authentication. This makes it more difficult for an attacker to gain access as they would need both your token and your password. While these technologies are still developing, they suggest a future where access control is more secure and user-friendly.
In conclusion, while there’s no such thing as a perfectly secure password, much can be done to enhance their security. Understanding the common techniques for cracking passwords, such as dictionary attacks and security questions’ exploitation, is the first step towards creating more secure passwords. Using unique complex passwords, combined with multi-factor authentication and software tools like McAfee’s True Key, can greatly improve the security of your accounts.
The future of passwords looks promising with the development of biometrics and hardware security tokens. Until then, it’s crucial to adopt the best password practices available to protect your digital life. Remember, your online security is highly dependent on the strength and uniqueness of your passwords, so keep them complex, unique, and secure.
The post What Makes My Passwords Vulnerable? appeared first on McAfee Blog.
In the modern era, technology has become an integral part of our daily lives. Our cars are no longer just pieces of mechanical engineering but have evolved into highly advanced machines equipped with state-of-the-art computer systems. From engine performance to preventive maintenance and from passenger comfort to safety assistance, the computer software in our cars control a vast array of operations.
However, just like any other technological device, car computer systems aren’t immune to cyber threats. Cybersecurity attacks on cars can pose serious safety threats and privacy issues, with hackers potentially taking control of vehicle functions or stealing personal data. This brings us to an essential question – how secure is your car’s computer software?
There are several possible instances where a cyber attack could take place. For example, software vulnerabilities could allow hackers to access the car’s system and manipulate its operations. Additionally, insecure network interfaces can be exploited to introduce malicious code or extract sensitive information. Thus, understanding where these vulnerabilities lie is the first step towards enhancing your car’s computer software security.
With the rise of the Internet of Things (IoT), our cars are becoming more connected than ever before. Modern vehicles have built-in Wi-Fi and Bluetooth, GPS navigation systems, and even mobile applications allowing us to interact remotely with our cars. While these features enhance convenience and improve driving experiences, they also introduce new vulnerabilities that cybercriminals can exploit.
Just as your smartphone or computer can be attacked by malware or hackers, so can your car’s computer system. Sophisticated cybercriminals can potentially breach the car’s software to manipulate vehicle functions, steal personal data, or even take complete control of the vehicle. The threat is even greater with autonomous or semi-autonomous vehicles that rely heavily on software systems.
Car hacking may seem like a concept straight out of a science fiction movie, but it’s a harsh reality in today’s technologically advanced world. Various demonstrations by security researchers have proven the vulnerability of car computer systems. In some cases, hackers could remotely kill a car’s engine, disable brakes, or take control of steering — all of these while the car was in motion.
The risk doesn’t stop at vehicle control. Many car owners sync their smartphones with their car systems, allowing access to personal data such as contacts, messages, or even GPS history. A successful breach could give hackers access to this sensitive information, resulting in privacy issues or identity theft.
Car manufacturers play a crucial role in ensuring the cybersecurity of their vehicles. They are responsible for designing and implementing security measures right from the initial stages of vehicle design. This includes adopting secure coding practices, conducting regular vulnerability assessments and penetration testing, and providing regular software updates to address any identified security flaws.
At McAfee, we are actively collaborating with various car manufacturers to help identify potential weak points in their vehicle computer systems. By proactively addressing these vulnerabilities before they can be exploited, we aim to better safeguard our customers’ vehicles against potential cyber threats.
Just like your smartphone or computer, the software in your car needs regular updates. These updates not only provide new features and enhancements but also patch security vulnerabilities that hackers could exploit. Ignoring these updates can leave your car’s computer system open to potential cyber-attacks.
Ensuring your vehicle’s software is up-to-date is always a good practice. Most modern cars will notify you when a software update is available, or you can check with your car manufacturer or dealership. While it may seem like a hassle, updating your car’s software can go a long way in keeping it secure.
While car manufacturers are responsible for creating secure systems, users also share the responsibility for maintaining the security of their vehicle’s computer software. Keeping up-to-date with the fast-paced progress in cybersecurity can help in preventing possible threats.
Just as defensive driving helps you anticipate potential hazards on the road, adopting a defensive mindset towards your car’s computer software can help protect it against potential cyber threats. Familiarize yourself with your car’s digital features and understand what each does. Engage with these systems conscientiously and avoid reckless behavior, such as downloading suspicious apps or clicking on suspicious links that may appear on your car’s infotainment system.
You should also consider using a strong, unique password for any connected apps or services you use with your car. Many hacking attempts are made possible because users re-use passwords across multiple services, making it easier for cybercriminals to gain unauthorized access.
While it may seem odd to think of installing antivirus software or a firewall in your car, these traditional computer protection methods could soon become standard practice in vehicle cybersecurity. Just like how these tools protect your computer or smartphone, they can also safeguard your car’s computer system by detecting and blocking potential threats.
Some car manufacturers and cybersecurity companies are already exploring the development of such protective tools specifically for cars. Until these become widely available, you can reduce risk by being cautious about what devices you connect to your car and what data you share through its systems.
The future of car software security is evolving with the advancement in technology. Car manufacturers and cybersecurity companies continually work together to create robust security systems and innovate techniques to prevent potential threats.
Autonomous vehicles, or self-driving cars, represent the next frontier in vehicle technology. They rely heavily on software systems to function, making them prime targets for potential cyberattacks. However, they also present a unique opportunity to develop more advanced security measures.
Several autonomous vehicle manufacturers are at the forefront of cybersecurity innovation, integrating robust security measures into their cars’ software right from the design phase. These include advanced encryption methods, intrusion detection systems, and even artificial intelligence that can learn and adapt to new threats. While these solutions aren’t foolproof, they represent important steps towards a more secure future for autonomous vehicles.
As cars become more connected, regulatory authorities worldwide are beginning to note the associated security risks. New laws and regulations are being developed to ensure car manufacturers take cybersecurity seriously and have measures in place to safeguard their customers’ data and safety.
For example, the National Highway Traffic Safety Administration (NHTSA) has released cybersecurity best practices for modern vehicles in the United States. Such guidelines aim to standardize security measures across the auto industry and ensure all manufacturers are committed to protecting their customers’ security.
Advancements in car computer software have transformed our driving experiences, offering increased convenience and performance. However, with these benefits come new cybersecurity challenges. As cars become more connected and autonomous, the threat landscape expands, highlighting the urgent need for robust vehicle cybersecurity measures.
Securing your car’s computer software requires awareness, proactive behavior, and the adoption of new security technology. Car manufacturers, security experts, and regulatory authorities all have a role to play in this evolving field. However, as an individual, staying informed about potential risks and remaining vigilant in your usage of digital car features is a crucial first step towards protecting your car and your data from cyber threats.
Remember, security is a continuous journey, not a destination. As such, we at McAfee are committed to staying ahead of the curve and providing you with the information, tools, and assistance you need to navigate the world of car computer software security safely and confidently.
The post How Secure is Your Car’s Computer? appeared first on McAfee Blog.
Whether or not you’re much into online banking, protecting yourself from bank fraud is a must.
Online banking is well on its way to becoming a cornerstone of the banking experience overall. More and more transactions occur over the internet rather than at a teller’s window, and nearly every account has a username, password, and PIN linked with it. And whether you use your online banking credentials often or not, hackers and scammers still want to get their hands on them.
The fact is, online banking is growing and is here to stay. No longer a novelty, online banking is an expectation. Today, 78% of adults in the U.S. prefer to bank online. Meanwhile, only 29% prefer to bank in person. Further projections estimate that more than 3.6 billion people worldwide will bank online, driven in large part by online-only banks.
There’s no doubt about it. We live in a world where banking, shopping, and payments revolve around a username and password. That’s quite a bit to take in, particularly if your first experiences with banking involved walking into a branch, getting a paper passbook, and maybe even a free toaster for opening an account.
So, how do you protect yourself? Whether you use online banking regularly or sparingly, you can protect yourself from being the victim of fraud by following a few straightforward steps.
Start here. Passwords are your first line of defense. However, one thing that can be a headache is the number of passwords we have to juggle—a number that seems like it’s growing every day. Look around online and you’ll see multiple studies and articles stating that the average person has upwards of 80 to manage. Even if you have only a small percentage of those, strongly consider using a password manager. A good choice will generate strong, unique passwords for each of your accounts and store them securely for you.
In general, avoid simple passwords that people can guess or easily glean from other sources (like your birthday, your child’s birthday, the name of your pet, and so on). Additionally, make them unique from account to account. That can save you major headaches if one account gets compromised and a hacker tries to use the same password on another account.
If you want to set up your own passwords, check out this article on how you can make them strong and unique.
What exactly is two-factor authentication? It’s an extra layer of defense for your accounts. In practice, it means that in addition to providing a password, you also receive a special one-time-use code to access your account. That code might be sent to you via email or to your phone by text. In some cases, you can also receive that code by a call to your phone. Basically, two-factor authentication combines two things: something you know, like your password; and something you have, like your smartphone. Together, that makes it tougher for scammers to hack into your accounts.
Two-factor authentication is practically a standard, so much so that you already might be using it right now when you bank or use certain accounts. If not, you can see if your bank offers it as an option in your settings the next time you log in. Or, you can contact your bank for help to get it set up.
Phishing is a popular way for crooks to steal personal information by way of email, where a crook will look to phish (“fish”) personal and financial information out of you. No two phishing emails look alike. They can range from a request from a stranger posing as a lawyer who wants you to help with a bank transfer—to an announcement about (phony) lottery winnings. “Just send us your bank information and we’ll send your prize to you!” Those are a couple of classics. However, phishing emails have become much more sophisticated in recent years. Now, slicker hackers will pose as banks, online stores, and credit card companies, often using well-designed emails that look almost the same as the genuine article.
Of course, those emails are fakes. The links they embed in those emails lead you to them, so they can steal your personal info or redirect a payment their way. One telltale sign of a phishing email is if the sender used an address that slightly alters the brand name or adds to it by tacking extra language at the end of it. If you get one of these emails, don’t click any of the links. Contact the institute in question using a phone number or address posted on their official website. This is a good guideline in general. The best avenue of communication is the one you’ve used and trusted before.
It might seem a little traditional, yet criminals still like to use the phone. In fact, they rely on the fact that many still see the phone as a trusted line of communication. This is known as “vishing,” which is short for “voice phishing.” The aim is the same as it is with phishing. The fraudster is looking to lure you into a bogus financial transaction or attempting to steal information, whether that’s financial, personal, or both. They might call you directly, posing as your bank or even as tech support from a well-known company, or they might send you a text or email that directs you to call their number.
For example, a crook might call and introduce themselves as being part of your bank or credit card company with a line like “there are questions about your account” or something similar. In these cases, politely hang up. Next, call your bank or credit card company to follow up on your own. If the initial call was legitimate, you’ll quickly find out and can handle the issue properly. If you get a call from a scammer, they can be very persuasive. Remember, though. You’re in charge. You can absolutely hang up and then follow up using a phone number you trust.
There’s a good reason not to use public Wi-Fi: it’s not private. They’re public networks, and that means they’re unsecure and shared by everyone who’s using it, which allows hackers to read any data passing along it like an open book. That includes your accounts and passwords if you’re doing any banking or shopping on it. The best advice here is to wait and handle those things at home if possible. (Or connect to public Wi-Fi with a VPN service, which we’ll cover below in a moment.)
If not, you can always use your smartphone’s data connection to create a personal hotspot for your laptop, which will be far more secure. Another option is to use your smartphone alone. With a combination of your phone’s data connection and an app from your bank, you can take care of business that way instead of using public Wi-Fi. That said, be aware of your physical surroundings too. Make sure no one is looking over your shoulder!
Some basic digital hygiene will go a long way toward protecting you even more—not only your banking and finances, but all the things you do online as well. The following quick list can help:
The post How to Protect Yourself from Bank Fraud appeared first on McAfee Blog.
What does a hacker want with your social media account? Plenty.
Hackers hijack social media accounts for several reasons. They’ll dupe the victim’s friends and followers with scams. They’ll flood feeds with misinformation. And they’ll steal all kinds of personal information—not to mention photos and chats in DMs. In all, a stolen social media account could lead to fraud, blackmail, and other crimes.
Yet you have a strong line of defense that can prevent it from happening to you: multi-factor authentication (MFA).
MFA goes by other names, such as two-factor authentication and two-step verification. Yet they all boost your account security in much the same way. They add an extra step or steps to the login process. Extra evidence to prove that you are, in fact, you. It’s in addition to the usual username/password combination, thus the “multi-factor” in multi-factor authentication.
Examples of MFA include:
With MFA, a hacker needs more than just your username and password to weasel their way into your account. They need that extra piece of evidence required by the login process, which is something only you should have.
This stands as a good reminder that you should never give out the information you use in your security questions—and to never share your one-time security codes with anyone. In fact, scammers cobble up all kinds of phishing scams to steal that information.
Major social media platforms offer MFA, although they might call it by other names. As you’ll see, several platforms call it “two-factor authentication.”
Given the way that interfaces and menus can vary and get updated over time, your best bet for setting up MFA on your social media accounts is to go right to the source. Social media platforms provide the latest step-by-step instructions in their help pages. A simple search for “multi-factor authentication” and the name of your social media platform should readily turn up results.
For quick reference, you can find the appropriate help pages for some of the most popular platforms here:
Another important reminder is to check the URL of the site you’re on to ensure it’s legitimate. Scammers set up all kinds of phony login and account pages to steal your info. Phishing scams like those are a topic all on their own. A great way you can learn to spot them is by giving our Phishing Scam Protection Guide a quick read. It’s part of our McAfee Safety Series, which covers a broad range of topics, from romance scams and digital privacy to online credit protection and ransomware.
In many ways, your social media account is an extension of yourself. It reflects your friendships, interests, likes, and conversations. Only you should have access to that. Putting MFA in place can help keep it that way.
More broadly, enabling MFA across every account that offers it is a smart security move as well. It places a major barrier in the way of would-be hackers who, somehow, in some way, have ended up with your username and password.
On the topic, ensure your social media accounts have strong, unique passwords in place. The one-two punch of strong, unique passwords and MFA will make hacking your account tougher still. Wondering what a strong, unique password looks like? Here’s a hint: a password with eight characters is less secure than you might think. With a quick read, you can create strong, unique passwords that are tough to crack.
Lastly, consider using comprehensive online protection software if you aren’t already. In addition to securing your devices from hacks and attacks, it can help protect your privacy and identity across your travels online—both on social media and off.
The post How to Protect Your Social Media Passwords from Hacks and Attacks appeared first on McAfee Blog.
Are you skeptical about mainstream artificial intelligence? Or are you all in on AI and use it all day, every day?
The emergence of AI in daily life is streamlining workdays, homework assignments, and for some, personal correspondences. To live in a time where we can access this amazing technology from the smartphones in our pockets is a privilege; however, overusing AI or using it irresponsibly could cause a chain reaction that not only affects you but your close circle and society beyond.
Here are four tips to help you navigate and use AI responsibly.
Artificial intelligence certainly earns the “intelligence” part of its name, but that doesn’t mean it never makes mistakes. Make sure to proofread or review everything AI creates, be it written, visual, or audio content.
For instance, if you’re seeking a realistic image or video, AI often adds extra fingers and distorts faces. Some of its creations can be downright nightmarish! Also, there’s a phenomenon known as an AI hallucination. This occurs when the AI doesn’t admit that it doesn’t know the answer to your question. Instead, it makes up information that is untrue and even fabricates fake sources to back up its claims.
One AI hallucination landed a lawyer in big trouble in New York. The lawyer used ChatGPT to write a brief, but he didn’t double check the AI’s work. It turns out the majority of the brief was incorrect.1
Whether you’re a blogger with thousands of readers or you ask AI to write a little blurb to share amongst your friends or coworkers, it is imperative to edit everything that an AI tool generates. Not doing so could start a rumor based on a completely false claim.
If you use AI to do more than gather a few rough ideas, you should cite the tool you used as a source. Passing off an AI’s work as your own could be considered cheating in the eyes of teachers, bosses, or critics.
There’s a lot of debate about whether AI has a place in the art world. One artist entered an image to a photography contest that he secretly created with AI. When his submission won the contest, the photographer revealed AI’s role in the image and gave up his prize. The photographer intentionally kept AI out of the conversation to prove a point, but imagine if he kept the image’s origin to himself.2 Would that be fair? When other photographers had to wait for the perfect angle of sunlight or catch a fleeting moment in time, should an AI-generated image with manufactured lighting and static subjects be judged the same way?
Even if you don’t personally use AI, you’re still likely to encounter it daily, whether you realize it or not. AI-generated content is popular on social media, like the deepfake video game battles between politicians.3 (A deepfake is a manipulation of a photo, video, or audio clip that depicts something that never happened.) The absurdity of this video series is likely to tip off the viewer to its playful intent, though it’s best practice to add a disclaimer to any deepfake.
Some deepfake have a malicious intent on top of looking and sounding very realistic. Especially around election time, fake news reports are likely to swirl and discredit the candidates. A great rule of thumb is: If it seems too fantastical to be true, it likely isn’t. Sometimes all it takes is five minutes to guarantee the authenticity of a social media post, photo, video, or news report. Think critically about the authenticity of the report before sharing. Fake news reports spread quickly, and many are incendiary in nature.
According to “McAfee’s Modern Love Research Report,” 26% of respondents said they would use AI to write a love note; however, 49% of people said that they’d feel hurt if their partner tasked a machine with writing a love note instead of writing one with their own human heart and soul.
Today’s AI is not sentient. That means that even if the final output moved you to tears or to laugh out loud, the AI itself doesn’t truly understand the emotions behind what it creates. It’s simply using patterns to craft a reply to your prompt. Hiding or funneling your true feelings into a computer program could result in a shaky and secretive relationship.
Plus, if everyone relied upon AI content generation tools like ChatGPT, Bard, and Copy.ai, then how can we trust any genuine display of emotion? What would the future of novels, poetry, and even Hollywood look like?
Responsible AI is a term that governs the responsibilities programmers have to society to ensure they populate AI systems with bias-free and accurate data. OpenAI (the organization behind ChatGPT and DALL-E) vows to act in “the best interests of humanity.”4 From there, the everyday people who interact with AI must similarly act in the best interests of themselves and those around them to avoid unleashing the dangers of AI upon society.
The capabilities of AI are vast, and the technology is getting more sophisticated by the day. To ensure that the human voice and creative spirit doesn’t permanently take on a robotic feel, it’s best to use AI in moderation and be open with others about how you use it.
To give you additional peace of mind, McAfee+ can restore your online privacy and identity should you fall into an AI-assisted scam. With identity restoration experts and up to $2 million in identity theft coverage, you can feel better about navigating this new dimension in the online world.
1The New York Times, “Here’s What Happens When Your Lawyer Uses ChatGPT”
2ARTnews, “Artist Wins Photography Contest After Submitting AI-Generated Image, Then Forfeits Prize”
3Business Insider, “AI-generated audio of Joe Biden and Donald Trump trashtalking while gaming is taking over TikTok”
4OpenAI, “OpenAI Charter”
The post Four Ways To Use AI Responsibly appeared first on McAfee Blog.
The moment you hop online, you lose a little privacy. How much depends on what you’re doing and what steps you’ve put in place to protect your privacy. The reality is that any online activity will generate data. As you surf, bank, and shop, data gets created. From there, other parties collect, analyze, and sometimes sell or share that data with others.
The most notable example of this is, of course, social media. Social media companies gather hosts of data and personal information about their users in exchange for free use of their platforms. Yet similar data collection happens far more broadly online. Internet service providers (ISPs) will often gather browsing data and information about their users. Some search engines will also gather information about their users, their searches, and where those searches take them. Another high-value form of data collection entails location tracking. App creators, ISPs, cell phone companies, and others will pair what you’re doing online with where and when you’re doing it.
Make no mistake that all this data has value. Whether it gets collected for advertising purposes, or to generate profit by selling data to others, your privacy has a price tag on it. Yet you have some say in all this. You can take several steps that can minimize the data trail that you create by going online. Put simply, you can take control of your privacy online.
→ Dig Deeper: How Data Brokers Sell Your Identity
Although data creation and collection naturally come with using the Internet, you can take several steps to make you and your data more private. Some of it comes down to behavior, while other steps involve settings and technologies that help cover your tracks. Here are 10 ways you can stay more private online:
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting—not to mention your relationships and likes. Put another way, keeping your profile public makes it searchable by search engines. Your profile is out there for anyone to see.
Taking a “friends only” approach to your social media profiles can help protect your privacy because that gives a possible scammer or stalker significantly less material to work with. Yet further, some platforms allow you to create sub-groups of friends and followers. With a quick review of your network, you can create a subgroup of your most trusted friends and restrict your posts to them as needed.
→ Dig Deeper: Over 10 Million Facebook Users Hacked in Ongoing Phishing Scam
Different devices and platforms will have their own privacy settings, so give them a look and see what your options are. For example, Facebook offers an entire page dedicated to privacy settings and offers a Privacy Checkup as well.
As for devices, Windows and Mac OS have extensive privacy controls available. Android provides visual guides on the topic, and Apple has a similar resource for iOS users as well. A quick search about privacy on any device, platform, or app should turn up some helpful results that can get you started if you have questions.
→ Dig Deeper: Privacy, Identity, and Device Protection: Why You Need to Invest in All Three
Privacy policies spell out what data a company might be collecting, for what purposes, what they do with it, and if they might share or otherwise sell it to third parties. The language in privacy policies can get somewhat long and complex. However, several companies have been making good faith efforts to explain their privacy policies in plain language on user-friendly websites.
Google provides a good example of this, which includes a link to their Privacy Checkup experience. Additionally, Apple offers users on iOS 15.2 or higher an app privacy report that shows what iPhone features and data apps have recently accessed. Once again, a web search will help point you to similar resources for the devices, platforms, and apps you use.
→ Dig Deeper: What Personal Data Do Companies Track?
Location tracking has become a prominent form of data collection. Smartphone applications are usually the prime culprits. Thankfully, you can easily disable the location-sharing feature on an app-by-app basis. Some apps allow you to enable location services only when in use, while for others, you can entirely disable location services. An alternative option is to set the app to ask for permission each time. This is an effective way to find out if any apps are using location services without your knowledge. For iPhone users, this can be found in Settings > Privacy & Security > Location Services. Android users can go to Settings > Locations > App Location Permissions.
Deactivating location sharing in your apps doesn’t necessarily mean you’ll stop seeing location-based ads. Advertisers often guess your general location by looking at your internet connection. They might not know your exact address, but they can get a pretty good idea of which city or town you’re in.
If you’ve been using the internet for a while, you likely have several old accounts that you no longer use or have forgotten about. Old accounts may still contain your personal data, exposing it to potential hackers or cyber thieves. It’s advisable to close any old accounts that you no longer need. Before doing this, ensure that you delete as much personal data from them as possible.
Deleting an account is often more complicated than simply not using it anymore. In many cases, you’ll have to contact the company or service provider to close your account. If you can’t find information on how to delete your account, a quick web search can often lead you to step-by-step instructions.
McAfee Pro Tip: Your online presence expands as you create more internet accounts, and these accounts may potentially be leveraged by data brokers or third parties to gain access to your personal data. Improve your data security by erasing unused or old accounts to eliminate public-facing information. Know how to delete old accounts containing personal information.
Virtual Private Networks (VPN) can significantly enhance your online privacy. A VPN encrypts your internet connection, making it harder for third parties to track your online activities or capture your personal information. While connected to a VPN, your ISP can only see that you’re connected to a VPN server, but not what websites you visit or what data you’re transferring.
Besides protecting your data, VPNs can also prevent websites and online services from tracking your physical location. This can be particularly useful if you’re accessing the internet in a region with stringent internet censorship or if you want to access region-locked content.
Many people are surprised when they Google themselves and see how much information about them is publicly available. Data brokers collect information from various sources and make it available to anyone willing to pay for it. This can include personal information, such as your home address, estimated income, shopping habits, and more.
Fortunately, you can take steps to clean up your personal data trail. Start by Googling yourself to find out what information about you is publicly available. Next, contact the websites or data brokers that publish this information and request them to remove it. Several online services can help you with this process by automating it and making it more efficient.
→ Dig Deeper: How Data Brokers Sell Your Identity
Online privacy is a serious concern in today’s digital age. While it’s impossible to completely avoid data collection, there are numerous steps you can take to protect your personal data and make your online activities more private. These include being strategic with your social media settings, regularly reviewing your privacy settings, understanding the privacy policies of the apps you use, disabling location sharing, deactivating old accounts, using a VPN, and cleaning up your personal data trail. For added protection, use a comprehensive security solution such as McAfee+ Ultimate, which comes with features like password manager, antivirus software, and firewall protection; users can efficiently navigate the internet while avoiding online threats.
Whether we admit it or not, a significant portion of our privacy is within our control. By becoming more aware of what data we share and who we share it with, we can make decisions that protect our privacy. In an era where data is the new oil, taking steps to safeguard our digital privacy is more important than ever.
The post 10 Tips to Keep Your Data Private Online appeared first on McAfee Blog.
When it comes to protecting your privacy, take a close look at your social media use—because sharing can quickly turn into oversharing.
The term “oversharing” carries several different definitions. Yet in our case here, oversharing means saying more than one should to more people than they should. Consider the audience you have across your social media profiles. Perhaps you have dozens, if not hundreds of friends and followers. All with various degrees of closeness and familiarity. Who among them can you absolutely trust with the information you share?
And you might be sharing more than you think. Posts have a way of saying more than one thing, like:
“This is the pool at the rental home I’m staying at this week. Amazing!” Which also tells everyone, “My home is empty for the next few days.”
“I can’t start my workday without a visit to my favorite coffeeshop.” Which also says, “If you ever want to track me down in person, you can find me at this location practically any weekday morning.”
One can quickly point to other examples of oversharing. Unintentional oversharing at that.
A first-day-of-school picture can tell practical strangers which elementary school your children attend, say if the picture includes the school’s reader board in it. A snapshot of you joking around with a co-worker might reveal a glimpse of company information. Maybe because of what’s written on the whiteboard behind the two of you. And in one extreme example, there’s the case an assault on a pop star. Her attacker tracked her down through her selfie, determining her location through the reflection in her eyes.
The list goes on.
That’s not to say “don’t post.” More accurately, it’s “consider what you’re posting and who gets to see it.” You have control over what you post, and to some degree, who gets to see those posts. That combination is key to your privacy—and the privacy of others too.
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting—not to mention your relationships and likes. Taking a “friends only” approach to your social media profiles can help protect your privacy, because that gives a possible scammer or stalker much less material to work with. Yet further, some platforms allow you to create sub-groups of friends and followers. With a quick review of your network, you can create a sub-group of your most trusted friends and restrict your posts to them as needed.
Be critical of the invitations you receive. Out-and-out strangers might be more than just a stranger. They might be a fake account designed to gather information on users for purposes of fraud. There are plenty of fake accounts too. In fact, in Q1 of 2023 alone, Facebook took action on 426 million fake accounts. Reject such requests.
Think about posting those vacation pictures after you get back so people don’t know you’re away when you’re away. Also consider if your post pinpoints where you are or where you go regularly. Do you want people in your broader network to know that? Closely review the pics you take and see if there’s any revealing information in the background. If so, you can crop it out (think notes on a whiteboard, reflections in a window, or revealing location info). Further, ask anyone you want to include in their post for their permission. In all, consider their privacy too.
While we’re on the topic, you can take a few other steps that can make you more private online. In addition to your social media usage, other steps can help keep more of your private and personal information with you—where it belongs:
Granted, “social” is arguably the opposite of “private.” Using social media involves sharing, by its very definition. Yet any oversharing can lead to privacy issues.
Maybe you want close friends to know what’s going on, but what about that so-so acquaintance deep in your friends list? How well do you really know them? And to what extent do you want them to know exacting details about where you are, where your kids go to school, and so on? Those are questions you ultimately must answer, and ultimately have some control over depending on what you share on social media.
Also important to consider is this: if you post anything on the internet, consider it front page news. Even with social media privacy settings in place, there’s no guarantee that someone won’t copy your posts or pics and pass them along to others.
The flipside to the topic of social media and privacy is the platform you’re using. It’s no secret that social media companies gather hosts of personal information about their users in exchange for free use of their platforms. Certainly, that’s a topic unto itself. We cover what social media companies know about you in this article here—along with a few steps that can help you limit what they know as well.
When it comes to your privacy and social media, it depends largely on how you use it. How you use various privacy and audience settings offers one way to manage it. The other is you and the information you put out there for others to see.
The post How to Help Protect Your Online Privacy appeared first on McAfee Blog.
It’s all anyone can talk about. In classrooms, boardrooms, on the nightly news, and around the dinner table, artificial intelligence (AI) is dominating conversations. With the passion everyone is debating, celebrating, and villainizing AI, you’d think it was a completely new technology; however, AI has been around in various forms for decades. Only now is it accessible to everyday people like you and me.
The most famous of these mainstream AI tools are ChatGPT, Voice.ai, DALL-E, and Bard, among others. The specific technology that links these tools is called generative artificial intelligence. Sometimes shortened to gen AI, you’re likely to have heard this term in the same sentence as deepfake, AI art, and ChatGPT. But how does the technology work?
Here’s the simple explanation of how generative AI powers many of today’s famous (or infamous) AI tools.
Generative AI is the specific type of artificial intelligence that powers many of the AI tools available today in the pockets of the public. The “G” in ChatGPT stands for generative. Today’s Gen AI’s evolved from the use of chatbots in the 1960s. 1 Now, as AI and related technologies like deep learning and machine learning have evolved, generative AI can answer prompts and create text, art, videos, and even simulate convincing human voices.
Think of generative AI as a sponge that desperately wants to delight the users who ask it questions.
First, a gen AI model begins with a massive information deposit. Gen AI can soak up huge amounts of data. For instance, ChatGPT is trained on 300 billion words and hundreds of megabytes’ worth of facts through the year 2021.2 The AI will remember every piece of information that is fed into it. Additionally, it will use those nuggets of knowledge to inform any answer it spits out.
From there, a generative adversarial network (GAN) algorithm constantly competes with itself within the gen AI model. This means that the AI will try to outdo itself to produce an answer it believes is the most accurate. The more information and queries it answers, the “smarter” the AI becomes.
Google’s content generation tool, Bard is a great way to illustrate generative AI in action. Bard is based on gen AI and large language models. It’s trained in all types of literature and when asked to write a short story, it does so by finding language patterns and composing by choosing words that most often follow the one preceding it. In a 60 Minutes segment, Bard composed an eloquent short story that nearly brought the presenter to tears, but its composition was an exercise in patterns, not a display of understanding human emotions.3 So, while the technology is certainly smart, it’s not exactly creative.
The major debates surrounding generative AI usually deal with how to use gen AI-powered tools for good. For instance, ChatGPT can be an excellent outlining partner if you’re writing an essay or completing a task at work; however, it’s irresponsible and is considered cheating if a student or an employee submits ChatGPT-written content word for word as their own work. If you do decide to use ChatGPT, it’s best to be transparent that it helped you with your assignment. Cite it as a source and make sure to double check your work!
One lawyer got in serious trouble when he trusted ChatGPT to write an entire brief and then didn’t take the time to edit its output. It turns out that much of the content was incorrect and cited sources that didn’t exist.4 This is a phenomenon known as an AI hallucination, meaning the program fabricated a response instead of admitting that it didn’t know the answer to the prompt.
Deepfake and voice simulation technology supported by generative AI are other applications that people must use responsibly and with transparency. Deepfake and AI voices are gaining popularity in viral videos and on social media. Posters use the technology in funny skits poking fun at celebrities, politicians, and other public figures. Though, to avoid confusing the public and possibly spurring fake news reports, these comedians have a responsibility to add a disclaimer that the real person was not involved in the skit. Fake news reports can spread with the speed and ferocity of wildfire.
The widespread use of generative AI doesn’t necessarily mean the internet is a less authentic or a riskier place. It just means that people must use sound judgement and hone their radar for identifying malicious AI-generated content. Generative AI is an incredible technology. When used responsibly, it can add great color, humor, or a different perspective to written, visual, and audio content.
1. TechTarget, “What is generative AI? Everything you need to know”
2. BBC Science Focus, “ChatGPT: Everything you need to know about OpenAI’s GPT-4 tool”
3. 60 Minutes, “Artificial Intelligence Revolution”
4. The New York Times, “Here’s What Happens When Your Lawyer Uses ChatGPT”
The post What Is Generative AI and How Does It Work? appeared first on McAfee Blog.
While we’re enjoying all the good things in our digital lives—our eBooks, movies, email accounts, social media profiles, eBay stores, photos, online games, and more—there’ll come a time we should ask ourselves, What happens to all of this good stuff when I pass away?
Like anything else we own, those things can be passed along through our estates too. Some of it, anyway.
With the explosion of digital media, commerce, and even digital currency too, there’s a very good chance you have thousands of dollars of digital assets in your possession. For example, we can look at research we conducted in 2011 which found that people placed an average value of $37,438 on the digital assets they owned at the time. Now, with the growth of streaming services, digital currency, cloud storage, and more in the past decade, that figure feels conservative.
Enter the notion of a digital legacy, the way you can catalog your digital assets and prepare to pass them through your estate.
Like so many aspects of digital life nowadays, estate planning law has started to catch up to the new realities of life online. However, attorneys, executors, and heirs still face some challenges when dealing with an estate and its digital assets. In the U.S., new laws are rolling out that address how digital assets are treated when the owner passes away. For example, they give fiduciaries (like an estate executor, trustee, or an agent under a power of attorney) the right to manage a person’s digital assets if they already have the right to manage a person’s tangible assets. Such laws continue to evolve, and they can vary from state to state here in the U.S.
With that in mind, nothing offered in this article is legal advice, nor should it be construed as such. For legal advice, you can and should turn to your estate attorney for counsel on the best approach for you and the laws in your area. However, consider this article as a sort of checklist that can help you with your estate planning.
Whether your assets have real or sentimental value, you can prepare your estate for the ones you care about.
The best answer you can get to this question will come from your legal counsel. However, for purposes of discussion, a digital asset is any text or media in digital form that has value and offers the bearer with the right to use it.
To frame it up in everyday terms, let’s look at some real-world examples of digital assets that quickly come to mind. They include, but aren’t limited to:
However, digital assets can readily expand to further include:
And as far as your estate is concerned, you can also consider:
That’s quite the list, and it’s not entirely comprehensive, either.
The process of lining up your digital assets begins just like any other aspect of estate planning. List all the digital assets and accounts you own.
From there, you can see what you have and what you’d like to distribute—and what you can distribute. In fact, when it comes to digital, there are some things you can’t pass along. Let’s take a closer look.
Generally speaking, digital assets that you own can be passed along. “Own” is the operative word here. Many digital things we have are in fact licensed to us, which aren’t transferrable. More on that next, yet examples of things you can likely transfer include:
Check with your legal counsel to ensure you’re following the letter of the law in your region. Also look into any licensing agreements you might have for items like internet domain names and airline miles that you have. Sometimes you can transfer these. In other cases, you can’t. Your legal counsel can help determine if they are in fact transferrable.
Transfer is an important topic. As mentioned above, some accounts you hold are licensed to you and you alone. So, they will not transfer. Two of the biggest examples are social media and email accounts. This can have serious repercussions if you don’t leave specific instructions as to how those accounts should be handled after your passing.
For example, do you want your social media profiles to remain online as a memorial or do you want them simply shut down? Note that different social media platforms have different policies for handling the accounts of users who have passed away. For example, Facebook allows for creating memorialized accounts that allow friends and families to continue sharing memories. Policies vary, so check with your social media platforms of choice for specifics.
Likewise, will your executor need access to your email account to handle the estate’s affairs? And what about access to online accounts for paying bills and then ultimately closing those accounts? In all, these are points of discussion to have with an experienced estate attorney who knows the law in your region.
Other things to be aware of are that subscriptions to streaming accounts are likely non-transferrable as well. Often, eBooks and digital publications you own are only licensed to you as the sole owner and can’t be transferred. Check the agreements linked with items like these and have a talk with your attorney about them to determine what can and can’t be done with them.
Another aspect of your digital legacy is your voice. If you’re a blogger or a participant in an online community, you might wish for a fiduciary or family member to leave a farewell post. Additionally, in the case of a blog, you might want to set up some means for your work to stay online or get archived in some manner. Again, you can work with your attorney to leave specific instructions.
You can’t pass assets along if an executor can’t get access to them. A real-life example shows why digital executorship is so vital. Consider the story of the woman who lost family photos after her husband passed away. He kept them in an online storage account to which she had no access. And sadly, the company wouldn’t grant her access after his passing.
This is often the case with many online accounts and services. Legally speaking, the deceased might own the storage account and the media kept within it, yet the cloud storage company owns the servers on which that media is stored. Access by someone other than the deceased might constitute a breach of their privacy policy or user agreements.
One way you can avoid heartbreak like this is to discuss giving your executor access to your accounts. You can consider creating a list of accounts, usernames, and passwords in a sealed letter with instructions that outline your wishes. A sealed letter is important: a will is a public record after you pass away. A separate, sealed letter is not, which makes it a safe place to pass along account information. Again, you can discuss an option such as this with your attorney.
One thing you can do today that can protect your digital assets for the long haul is to use comprehensive security protection. Far more than just antivirus, comprehensive security can store precious and important files securely with encryption, arm all your online accounts with strong passwords, and protect your identity as well. Features like these will help you see to it that your digital legacy is secure.
When the idea of a digital estate plan comes up, a light might go on in your head. “Of course, that makes a lot of sense.” It’s easy to take our digital possessions somewhat for granted, perhaps in a way that we don’t with our physical possessions. Yet as you can see, there’s a good chance that you indeed have a digital legacy to pass along. By getting organized now, you can see to it that your wishes are followed. This checklist can help you get started.
The post How To Protect Your Digital Estate appeared first on McAfee Blog.
With the advent of technology and the widespread use of mobile phones, scam calls and texts have become increasingly common. These annoying and invasive attempts to trick you out of your personal information can be frightening and frustrating. They often come in the form of ‘vishing‘ and ‘smishing‘ attacks. But what exactly are these types of scams, and how can you protect yourself against them?
Vishing and smishing are two common methods used by scammers to steal personal information. Vishing, a combination of ‘voice’ and ‘phishing,’ typically involves a scammer calling you and pretending to be from a trusted organization, such as your bank. They may tell you that there has been unusual activity on your account and ask for your personal information to ‘resolve’ the issue.
Smishing, on the other hand, combines ‘SMS’ (text) and ‘phishing.’ In this type of scam, you may receive a text message stating that you have won a prize, or that there is a problem with your account. The message will instruct you to click on a link, which will then try and trick you into providing personal information.
The main strategy of scammers behind vishing and smishing attacks is volume. They send out calls and messages to a large number of phones, hoping that at least a few will fall for the scam. There are several ways these scammers can get bulk phone numbers for their attacks:
Data breaches are a common way for scammers to obtain phone numbers, along with names and email addresses. This information can give them everything they need to launch effective vishing and smishing attacks. While some breaches result in the loss of credit card or government ID numbers, others simply provide basic personal information that can be enough to make their scams seem legitimate.
Another method scammers use to get phone numbers is by purchasing lists from data brokers. These online entities collect and sell detailed information about millions of individuals, including their phone numbers. These lists can be bought for a few dollars with just a few clicks. The data brokers don’t care who they sell to, so even scammers can easily purchase these lists.
→ Dig Deeper: How Data Brokers Sell Your Identity
Scammers often scour social media platforms and online forums to gather personal information, including phone numbers. People sometimes inadvertently share their contact details or other personal information in public posts, comments, or private messages. Scammers exploit these details to build their contact lists.
Scammers may also access publicly available records and directories, such as online phone directories, business listings, or government databases. These sources can provide them with a substantial amount of phone numbers and associated information.
Some scammers use phishing emails or fraudulent online surveys to trick individuals into disclosing their personal information, which can include phone numbers. They may pose as legitimate organizations or institutions, enticing recipients to provide their contact information in the process.
You may have already seen smishing attacks without realizing what they were. Here are a few examples of common smishing scams:
One feature that these messages have in common is that they all include a link. These links often have unusual character strings and web addresses that do not match the supposed sender of the message. This is a clear indication that the message is a scam.
Fortunately, there are steps you can take to protect yourself against these types of scams. Here are a few tips:
Scammers have tools at their disposal that can tamper with caller ID, making it appear as though the call is coming from a trusted organization. Do not rely solely on caller ID to determine the legitimacy of a call or text.
→ Dig Deeper: Be on the Lookout for Scam Tech Support Calls
If you receive a call or text message that seems suspicious, do not provide any personal information. Instead, hang up or ignore the text and contact the organization directly to verify the request.
If you believe you have been the target of a vishing or smishing attack, document the incident and report it to the company it was supposedly from. Many organizations have dedicated fraud reporting tools for this purpose.
As a general rule, avoid clicking on links in text messages, especially if they look suspicious or you do not recognize the sender. If you have concerns, always contact the organization directly.
→ Dig Deeper: The Latest Mobile Scams & How To Stay Safe
There are a number of strategies that you can employ to combat these types of scams. One of the most effective ways is to install comprehensive online protection software like McAfee+ on your phone. This software offers features such as web protection that warns you of suspicious links in texts, search results, and websites you browse. If your personal information appears on the dark web, the software can alert you and provide guidance on how to proceed. It can also help you remove your personal information from data broker sites, reducing your exposure to data breaches and spam calls.
Another strategy is to educate yourself on the telltale signs of a scam call or text. For instance, scammers often use scare tactics or threats to manipulate you into giving up your personal information. If you receive a message that seems to play on your emotions or tries to rush you into action, it’s probably a scam. Legitimate businesses and organizations will not typically resort to such tactics. If in doubt, always contact the organization directly to verify the validity of the message.
Internet service providers and mobile carriers have a crucial role to play in combating vishing and smishing attacks. By implementing advanced security measures, they can help protect their customers from these types of scams. For example, many carriers now offer features such as scam call blocking and identification. These features can help you identify potentially fraudulent calls and texts and avoid falling victim to these scams.
ISPs and mobile carriers can also educate their customers about the risks of vishing and smishing. By providing clear, easy-to-understand information about these scams and how to avoid them, they can empower their customers to protect themselves. As these types of attacks become more sophisticated, the role of ISPs and mobile carriers in combating them will only become more important.
McAfee Pro Tip: Regardless of the nature of these unwelcome calls, there are proactive measures you can take to safeguard yourself and even prevent them from reaching you in the initial instance. Know how to beat and block robocalls.
In conclusion, vishing and smishing are increasingly common types of scams that target individuals through phone calls and text messages. These scams can be frightening and invasive, but by understanding how they work and implementing strategies to protect yourself, you can significantly reduce your risk of being a victim. Comprehensive online protection software, being vigilant to the signs of a scam, and leveraging features offered by your ISP or mobile carrier are all effective ways to combat these scams. Remember, if something doesn’t feel right, it probably isn’t – always contact the organization directly if you’re unsure about a call or text.
The post Those Annoying Scam Calls and Texts: How to Fight Back Against Vishing and Smishing appeared first on McAfee Blog.
Social engineering. It’s a con game. And a con game by any other name stings just as badly.
Like any form of con, social engineering dupes their victims by playing on their emotions. Fear, excitement, and surprise. And they prey on human nature as well. The desire to help others, recognizing authority, and even the dream of hitting it big in the lottery. All of this comes into play in social engineering.
By design, the scammers who employ social engineering do so in an attempt to bilk people out of their personal information, their money, or both. More broadly, they’re designed to give scammers access—to a credit card, bank account, proprietary company information, and even physical access to a building or restricted space in the case of tailgating attacks. In this way, social engineering is an attack technique rather than a specific type of attack.
Several types of attacks employ social engineering:
The list goes on. Yet those are among the top attacks that use social engineering as a means of hoodwinking their victims. It’s a scammer’s secret weapon. Time and time again, we’ve seen just how effective it can be.
So while many bad actors turn to social engineering tricks to do their dirty work, they share several common characteristics. That makes them easy to spot. If you know what you’re looking for.
An overexcited or aggressive tone in an email, text, DM, or any kind of message you receive should put up a big red flag. Scammers use these scare tactics to get you to act without thinking things through first.
Common examples include imposter scams. The scammer will send a text or email that looks like it comes from someone you know. And they’ll say they’re in a jam of some sort, like their car has broken down in the middle of nowhere, or that they have a medical emergency and to go to urgent care. In many of these cases, scammers will quickly ask for money.
Another classic is the tax scam, where a scammer poses as a tax agent or representative. From there, they bully money out of their victims with threats of legal action or even arrest. Dealing with an actual tax issue might be uncomfortable, but a legitimate tax agent won’t threaten you like that.
You’ve won a sweepstakes! (That you never entered.) Get a great deal on this hard-to-find item! (That will never ship after you’ve paid for it.) Scammers will concoct all kinds of stories to separate you from your personal information.
The scammers behind bogus prizes and sweepstakes will ask you for banking information or sometimes even your tax ID number to pay out your winnings. Winnings you’ll never receive, of course. The scammer wants that information to raid your accounts and commit all kinds of identity theft.
Those great deals? The scammers might not ship them at all. They’ll drain your credit or debit card instead and leave you tapping your foot by your mailbox. Sometimes, the scammers might indeed ship you something after all—a knock-off item. One possibly made with child labor.
Scammers will often pose as people you know. That can include friends, family members, co-workers, bosses, vendors or clients at work, and so on. And when they do, something about the message you get will seem a bit strange.
For starters, the message might not sound like it came from them. What they say and how they say it seems off or out of character. It might include links or attachments you didn’t expect to get. Or the message might come to you via a DM sent from a “new” account they set up. In the workplace, you might get a message from your boss instructing you to pay someone a large sum from the company account.
These are all signs that something scammy might be afoot. You’ll want to follow up with these people in person or with a quick phone call just to confirm. Reach them in any way other than by replying to the message you received. Even if it looks like a legitimate account. There’s the chance their account was hacked.
How do scammers know how to reach you in the first place? And how do they seem to know just enough about you to cook up a convincing story? Clever scammers have resources, and they’ll do their homework. You can give them far less to work with by taking the following steps.
Online data brokers hoard all kinds of personal information about individuals. And they’ll sell it to anyone. That includes scammers. Data brokers gather it from multiple sources, such as public records and third parties that have further information like browsing histories and shopping histories (think your supermarket club card). With that information, a scammer can sound quite convincing—like they know you in some way or where your interests lie. You can get this information removed so scammers can’t get their hands on it. Our Personal Data Cleanup scans some of the riskiest data broker sites and shows you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites and with select products, it can even manage the removal for you.
Needless to say, social media says a lot about you and what you’re into. You already know that because you put a part of yourself out there with each post—not to mention a record of the groups, pages, and things that you follow or like. All this provides yet more grist for a scammer’s mill when it comes time for them to concoct their stories. Setting your accounts to private takes your posts out of the public eye, and the eye of potential scammers too. This can help reduce your risk of getting conned.
Scammers throw all kinds of bogus links at people in the hope they’ll click and wind up on their scammy websites. They’ll also send attachments loaded with malware—a payload that contains ransomware, spyware, or viruses. If you get a message about one of your accounts, a shipment, or anything that involves your personal or financial info, confirm the sender. Did the message come from a legitimate address or account? Or was the address spoofed or the account a fake? For example, some scammers create social media accounts to pose as the U.S. Internal Revenue Service (IRS). The IRS doesn’t contact people through social media. If you have a concern about a message or account, visit the site in question by typing it in directly instead of clicking on the link in the message. Access your information from there or call their customer service line.
The combination of these two things makes it tough for scammers to crack your accounts. Even if they somehow get hold of your password, they can’t get into your account without the multifactor authentication number (usually sent to your phone in some form). A password manager as part of comprehensive online protection software can help you create and securely store those strong, unique passwords. Also, never give your authentication number to anyone after you receive it. Another common scammer trick is to masquerade as a customer service rep and ask you to send that number to them.
This is the one piece of advice scammers don’t want you to have, let alone follow. They count on you getting caught up in the moment—the emotion of it all. Once again, emotions, urgency, and human nature are all key components in any social engineering con. The moment you stop and think about the message, what it’s asking of you, and the way it’s asking you for it, will often quickly let you know that something is not quite right. Follow up. A quick phone call or face-to-face chat can help you from getting conned.
The post Social Engineering—The Scammer’s Secret Weapon appeared first on McAfee Blog.
Over the decades, Hollywood has depicted artificial intelligence (AI) in multiple unsettling ways. In their futuristic settings, the AI begins to think for itself, outsmarts the humans, and overthrows society. The resulting dark world is left in a constant barrage of storms – metaphorically and meteorologically. (It’s always so gloomy and rainy in those movies.)
AI has been a part of manufacturing, shipping, and other industries for several years now. But the emergence of mainstream AI in daily life is stirring debates about its use. Content, art, video, and voice generation tools can make you write like Shakespeare, look like Tom Cruise, or create digital masterpieces in the style of Van Gogh. While it starts out as fun and games, an overreliance or misuse of AI can quickly turn shortcuts into irresponsibly cut corners and pranks into malicious impersonations.
It’s imperative that everyone interact responsibly with mainstream AI tools like ChatGPT, Bard, Craiyon, and Voice.ai, among others, to avoid these three real dangers of AI that you’re most likely to encounter.
The cool thing about AI is it has advanced to the point where it does think for itself. It’s constantly learning and forming new patterns. The more questions you ask it, the more data it collects and the “smarter” it gets. However, when you ask ChatGPT a question it doesn’t know the answer to, it doesn’t admit that it doesn’t know. Instead, it’ll make up an answer like a precocious schoolchild. This phenomenon is known as an AI hallucination.
One prime example of an AI hallucination occurred in a New York courtroom. A lawyer presented a lengthy brief that cited multiple law cases to back his point. It turns out the lawyer used ChatGPT to write the entire brief and he didn’t fact check the AI’s work. ChatGPT fabricated its supporting citations, none of which existed.1
AI hallucinations could become a threat to society in that it could populate the internet with false information. Researchers and writers have a duty to thoroughly doublecheck any work they outsource to text generation tools like ChatGPT. When a trustworthy online source publishes content and asserts it as the unbiased truth, readers should be able to trust that the publisher isn’t leading them astray.
We all know that you can’t trust everything you read on the internet. Deepfake and AI-generated art deepen the mistrust. Now, you can’t trust everything you see on the internet.
Deepfake is the digital manipulation of a photo or video to portray an event that never happened or portray a person doing or saying something they never did or said. AI art creates new images using a compilation of published works on the internet to fulfill the prompt.
Deepfake and AI art become a danger to the public when people use them to supplement fake news reports. Individuals and organizations who feel strongly about their side of an issue may shunt integrity to the side to win new followers to their cause. Fake news is often incendiary and in extreme cases can cause unrest.
Before you share a “news” article with your social media following or shout about it to others, do some additional research to ensure its accuracy. Additionally, scrutinize the video or image accompanying the story. A deepfake gives itself away when facial expressions or hand gestures don’t look quite right. Also, the face may distort if the hands get too close to it. To spot AI art, think carefully about the context. Is it too fantastic or terrible to be true? Check out the shadows, shading, and the background setting for anomalies.
An emerging dangerous use of AI is cropping up in AI voice scams. Phishers have attempted to get people’s personal details and gain financially over the phone for decades. But now with the help of AI voice tools, their scams are entering a whole new dimension of believability.
With as little as three seconds of genuine audio, AI voice generators can mimic someone’s voice with up to 95% accuracy. While AI voice generators may add some humor to a comedy deepfake video, criminals are using the technology to seriously frighten people and scam them out of money at the same time. The criminal will impersonate someone using their voice and call the real person’s loved one, saying they’ve been robbed or sustained an accident. McAfee’s Beware the Artificial Imposter report discovered that 77% of people targeted by an AI voice scam lost money as a result. Seven percent of people lost as much as $5,000 to $15,000.
Google’s code of conduct states “Don’t be evil.”2 Because AI relies on input from humans, we have the power to make AI as benevolent or as malevolent as we are. There’s a certain amount of trust involved in the engineers who hold the future of the technology – and if Hollywood is to be believed, the fate of humanity – in their deft hands and brilliant minds.
“60 Minutes” likened AI’s influence on society on a tier with fire, agriculture, and electricity.3 Because AI never has to take a break, it can learn and teach itself new things every second of every day. It’s advancing quickly and some of the written and visual art it creates can result in some touching expressions of humanity. But AI doesn’t quite understand the emotion it portrays. It’s simply a game of making patterns. Is AI – especially its use in creative pursuits – dimming the spark of humanity? That remains to be seen.
When used responsibly and in moderation in daily life, it may make us more efficient and inspire us to think in new ways. Be on the lookout for the dangers of AI and use this amazing technology for good.
1The New York Times, “Here’s What Happens When Your Lawyer Uses ChatGPT”
2Alphabet, “Google Code of Conduct”
360 Minutes, “Artificial Intelligence Revolution”
The post The Dangers of Artificial Intelligence appeared first on McAfee Blog.
How many online accounts do you have? Dozens? Hundreds? You probably have more than you think, and deleting a bunch of them might be the right call.
You have two good reasons: savings and security.
Certainly, you have trusted accounts you use all the time, like the one with your bank and a few others with major retailers. Yet you probably have armloads of other accounts on top of those. Within that broader mix, you’ll find accounts for apps, streaming services, online publications, and for retailers where you made one-off purchases years ago.
Sure, you still access some of them occasionally. Yet there are plenty of other accounts you don’t. And there might be some you’re still paying for too. Closing them down can certainly save you some money.
Yet there’s a security issue, too. The more online accounts you keep, the greater the exposure you have to data breaches. Each account will have varying degrees of personal and financial information linked to it. And that means each one carries a varying degree of risk if it gets breached. Moreover, some sites and services protect data better than others, which adds another dimension of risk.
Closing old and particularly risky accounts can decrease the risk of your personal and financial information winding up in the hands of an identity thief.
And there’s one more reason why you might consider cleaning up your old accounts. Your privacy. Companies hold all kinds of personal information in their databases. If you’re not using an account anymore, why should a company have it?
With security and savings in mind, McAfee created Online Account Cleanup. It finds and requests the deletion of unused accounts and protects your personal data from data breaches as a result. Monthly scans across your online accounts shows a risk level for each account and helps you decide which ones to delete.
And now is certainly a good time to trim down those accounts—about half a billion data records were exposed worldwide between 2020 and 2022. And those are the reported figures. Actual figures are arguably higher.
In all, Online Account Cleanup can help you take charge of your personal and financial information at a time where bad actors prize it so highly.
Our Online Account Cleanup lets you view all your accounts tied to your email in one place and helps you decide which ones you want to delete. It assigns a risk level to each of the accounts based on how much personal information is usually shared with each company, as well as past breaches and industry breach potential.
When you decide to delete an account, it links you to the website in question. From there, it shows you how you can request to have your data deleted from their database. If you’re a McAfee+ Ultimate customer, it can take care of this part for you with a single click.
Our Online Account Cleanup will continue to run monthly scans to find any new online accounts so you can stay on top of your digital footprint.
You can scan whichever email address you select. Scanning an email inbox is the best way to see how many companies or organizations have access to your information. Don’t worry, we’re only looking for company email domains, welcome emails, timestamps, and most importantly—spam.
If you decide to let McAfee help you request data deletion, we’ll keep tabs on the email replies you receive from the companies requesting more information or confirming that your data has been deleted.
The risk level next to each account is calculated based on how much personal information each company or organization is likely to have access to and the breach potential for the company’s industry. The more important the info, such as credit card, Social Security Number, driver’s license number, the higher the risk. If the organization is in an industry with a low breach potential, like government agencies, the risk will be lower. Keep in mind, risk level doesn’t mean your specific account is more or less susceptible to getting hacked.
For the accounts you choose to delete, we’ll provide you with instructions on how to send a deletion request and link you to the company’s website. Or if you’re using McAfee+ Ultimate, we’ll send the request for you with a single click.
We’ll scan each month to keep you up to date on new accounts. When combined with other McAfee features like identity monitoring, transaction monitoring, and Personal Data Cleanup, plus credit monitoring and a VPN, you’ll have protection in breadth and depth. You’ll find features like these across our McAfee+ plans, which keep your privacy and identity more secure.
Not all companies are required to delete your data. It depends on the privacy laws of the country or region in which you live. For example, if you’re a resident of California or the European Union, companies are required to delete your data upon request because privacy laws require them to do so (subject to certain exceptions).
Sometimes, deleting your personal data is not a one-click process. In other cases, companies will reach out to you to further verify your identity or ask for additional information. To make the deletion process more comfortable, you can view and reply to the companies directly from your McAfee Protection Center. We don’t collect any of these email messages. Your email messages remain in your own inbox.
We recommend using the email address that’s linked to your online accounts that use your credit card, address, or other sensitive information. These accounts are at higher risk than accounts that only have your email tied to them.
Saving money feels great. Especially when you shut down an online subscription you’re no longer using.
But there’s more to deleting old accounts than that. It can protect you from data breaches. Which, if you think about it, is a strong financial move as well. Consider how costly identity theft can be in terms of time and money.
Our new Online Account Cleanup can help you delete unused and risky accounts—and do it in minutes instead of the hours it used to take. It’s available now as part of our McAfee+ plans.
The post Cleanup on Aisle Six! How to Close Online Accounts for Savings and Security. appeared first on McAfee Blog.
With the number of cyber threats and breaches dominating the headlines, it can seem like a Herculean task to cover all your cybersecurity bases. We’re aware that there are ten sections on this cybersecurity awareness checklist, but it won’t take hours and hours to tick every box. In fact, some of these areas only require you to check a box on your device or invest in the cybersecurity tools that will handle the rest for you. Also, you may already be doing some of these things!
It’s easy to be cyber smart. Here are the cybersecurity awareness basics to instantly boost your safety and confidence in your online presence.
Software update notifications always seem to ping on the outskirts of your desktop and mobile device at the most inconvenient times. What’s more inconvenient though is having your device hacked. One easy tip to improve your cybersecurity is to update your device software whenever upgrades are available. Most software updates include security patches that smart teams have created to foil cybercriminals. The more outdated your apps or operating system is, the more time criminals have had to work out ways to infiltrate them.
Enabling automatic updates on all your devices only takes a few clicks or taps. Many major updates occur in the early hours of the morning, meaning that you’ll never know your devices were offline. You’ll just wake up to new, secure software!
Just because social media personalities document their entire days literally from the moment they wake up, doesn’t mean you should do the same. It’s best to leave some details about your life a mystery from the internet for various reasons.
The best way to avoid all of the above is to set your online profiles to private and edit your list of followers to only people you have met in real life and trust. Also, you may want to consider revising what you post about and how often.
If you genuinely love sharing moments from your daily life, consider sending a newsletter to a curated group of close friends and family. Aspiring influencers who still wants to capture and publish every aspect of their daily lives should be extremely careful about keeping sensitive details about themselves private, such as blurring their house number, not revealing their hometown, turning off location services, and going by a nickname instead of their full legal name.
Most sites won’t even let you proceed with creating an account if you don’t have a strong enough password. A strong password is one with a mix of capital and lowercase letters, numbers, and special characters. What also makes for an excellent password is one that’s unique. Reusing passwords can be just as risky as using “password123” or your pet’s name plus your birthday as a password. A reused password can put all your online accounts at risk, due to a practice called credential stuffing. Credential stuffing is a tactic where a cybercriminal attempts to input a stolen username and password combination in dozens of random websites to see which doors it opens.
Remembering a different password for each of your online accounts is almost an impossible task. Luckily, password managers make it so you only have to remember one password ever again! Password managers safeguard all your passwords in one secure desktop extension or smartphone app that you can use anywhere.
It’s best to create passwords or passphrases that have a secret meaning that only you know. Stay away from using significant dates, names, or places, because those are easier to guess. You can also leave it up to your password manager to randomly generate a password for you. The resulting unintelligible jumble of numbers, letters, and symbols is virtually impossible for anyone to guess.
Not all corners of the internet are safe to visit. Some dark crevices hide malware that can then sneak onto your device without you knowing. There are various types of malware, but the motive behind all of them is the same: To steal your personally identifiable information (PII) or your device’s power for a cybercriminal’s own financial gain.
Sites that claim to have free downloads of TV shows, movies, and games are notorious for harboring malware. Practice safe downloading habits, such as ensuring the site is secure, checking to see that it looks professional, and inspecting the URLs for suspicious file extensions.
Additionally, not all internet connections are free from prying eyes. Public Wi-Fi networks – like those in cafes, libraries, hotels, and transportation hubs – are especially prone. Because anyone can connect to a public network without needing a password, cybercriminals can digitally eavesdrop on other people on the same network. It’s unsafe to do your online banking, shopping, and other activities that deal with your financial or sensitive personal information while on public Wi-Fi.
However, there is one way to do so safely, and that’s with a virtual private network (VPN). A VPN is a type of software you can use on your smartphone, tablet, laptop, or desktop. It encrypts all your outgoing data, making it nearly impossible for a cybercriminal to snoop on your internet session.
You’ve likely already experienced a phishing attempt, whether you were aware of it or not. Phishing is a common tactic used to eke personal details from unsuspecting or trusting people. Phishers often initiate contact through texts, emails, or social media direct messages, and they aim to get enough information to break into your online accounts or to impersonate you.
AI text generator tools are making it more difficult to pinpoint a phisher, as messages can seem very humanlike. Typos and nonsensical sentences used to be the main indicator of a phishing attempt, but text generators generally use correct spelling and grammar. Here are a few tell-tale signs of a phishing attempt:
Never engage with a phishing attempt. Do not forward the message or respond to them and never click on any links included in their message. The links could direct to malicious sites that could infect your device with malware or spyware.
Before you delete the message, block the sender, mark the message as junk, and report the phisher. Reporting can go a long way toward hopefully preventing the phisher from targeting someone else.
When a security breach occurs, you can be sure that the news will report it. Plus, it’s the law for companies to notify the Federal Trade Commission of a breach. Keep a keen eye on the news and your inbox for notifications about recent breaches. Quick action is necessary to protect your personal and financial information, which is why you should be aware of current events.
The moment you hear about a breach on the news or see an email from a company to its customers about an incident, change your account’s password and double check your account’s recent activity to ensure nothing is amiss. Then await further action communicated through official company correspondences and official channels.
Cybercriminals aren’t above adding insult to injury and further scamming customers affected in breaches. Phishers may spam inboxes impersonating the company and sending malware-laden links they claim will reset your password. Continue to scrutinize your messages and keep an eye on the company’s official company website and verified social media accounts to ensure you’re getting company-approved advice.
One great mantra to guide your cybersecurity habits is: If you connect it, protect it. This means that any device that links to the internet should have security measures in place to shield it from cybercriminals. Yes, this includes your smart TV, smart refrigerator, smart thermostat, and smart lightbulbs!
Compose a list of the smart home devices you own. (You probably have more than you thought!) Then, make sure that every device is using a password you created, instead of the default password the device came with. Default passwords can be reused across an entire line of appliances. So, if a cybercriminal cracks the code on someone else’s smart washing machine, that could mean they could weasel their way into yours with the same password.
Another way to secure your connected home devices is by enabling two-factor authentication (2FA). This usually means enrolling your phone number or email address with the device and inputting one-time codes periodically to log into the connected device. 2FA is an excellent way to frustrate a cybercriminal, as it’s extremely difficult for them to bypass this security measure. It may add an extra 15 seconds to your login process, but the peace of mind is worth the minor inconvenience.
Finally, encase your entire home network with a secure router, or the device that connects your home Wi-Fi network to the internet. Again, change the password from the factory setting. And if you decide to rename the network, have fun with it but leave your name and address out of the new name.
When flip phones arrived on the scene in the 1990s and early 2000s, the worst that happened when they went missing was that you lost a cache of your stored text messages and call history. Now, when you misplace or have your smartphone stolen, it can seem like your whole online life vanished. Mobile devices store a lot of our sensitive information, so that’s why it’s key to not only safeguard your accounts but the devices that house them.
The best way to lock your device against anyone but yourself is to set up face or fingerprint ID. This makes it virtually impossible for a criminal to open your device. Also, passcode- or password-protect all your devices. It may seem like an inconvenience now, but your fingers will soon be able to glide across the keyboard or number pad fluently in just a few days, adding maybe an extra second to opening your device.
Another way to safeguard your device and the important information within it is to disable your favorite internet browser from auto-filling your passwords and credit card information. In the hands of a criminal, these details could lead to significant losses. A password manager here comes in handy for quick and secure password and username inputting.
Credit experts recommend checking your credit at least once yearly, but there’s no harm in checking your credit score more often. It’s only hard inquiries (or credit checks initiated by lenders) that may lower your credit score. Consider making it a habit to check your credit once every quarter. The first signs of identity theft often appear in a drastically lower credit score, which means that someone may be opening lines of credit in your name.
Also, if you’re not planning to apply for a new credit card or a loan anytime soon, why not lock your credit so no one can access it? A credit freeze makes it so that no one (yourself included) can touch it, thus keeping it out of the hands of thieves.
Picking up the pieces after a thief steals your identity is expensive, tedious, and time-consuming. Identity remediation includes reaching out to all three credit bureaus, filing reports, and spending hours tracking down your PII that’s now strewn across the internet.
Identity protection services can guard your identity so you hopefully avoid this entire scenario altogether. McAfee identity monitoring tracks the dark web for you and alerts you, on average, ten months sooner that something is amiss when compared to similar services. And if something does happen to your identity, McAfee identity restoration services offers $1 million in identity restoration and lends its support to help you get your identity and credit back in order.
The best complement to your newfound excellent cyber habits is a toolbelt of excellent services to patch any holes in your defense. McAfee+ includes all the services you need to boost your peace of mind about your online identity and privacy. You can surf public Wi-Fi safely with its secure VPN, protect your device with antivirus software, freeze your credit with security freeze, keep tabs on your identity, and more!
The post 10 Easy Things You Can Do Today to Improve Your Cybersecurity appeared first on McAfee Blog.
If you’ve got teens, then no doubt you’ve received the SOS texts. ‘Mum, I need a haircut, can you just spot me $30?’ or ‘I’ve just finished footy and I’m starving, can you transfer me some money?’. Where would the modern parent be without online banking? How did our non-digital forefathers ever cope??
Online banking is just so convenient and basically a necessity of modern life. If you’ve recently tried to conduct a transaction at a branch, then you’ll know exactly what I mean. One of my boys recently tried to set up a new account at a local banking branch and they were told to come back the following day. Instead, we went home and did it online in less than 20 minutes!
Aussie banks are world class at implementing a range of security measures to keep our banking safe however there are still things we can do to avoid our banking details getting into the hands of hackers. But many of us just assume that ‘all is well’ – our banking apps work seamlessly, so why do we need to worry? And that’s where many come unstuck. If it doesn’t appear to be broken, why do we need to fix it? Well, being ahead of the risks is how you keep yourself safe, my friends. So, here are my top tips to ensure all your family members are banking online in the securest way possible.
If you’re changing banks or helping your child set up their online banking, it’s essential that you download your bank’s official app. Imitations do exist! Ideally, download the app from the bank’s website however if this isn’t an option use a genuine app store like Apple’s AppStore or Google Play for Android devices. And always verify the app is legitimate by checking the developer details and reading the reviews.
Budgeting or financial management apps are an incredibly popular way to help manage finances, but you need to be cautious here too as many will require you to share your banking logins. Always check the app’s reviews, its history of data breaches and its security policies before you download.
Using the name of your puppy, your kids or worse still, your birthday, is one of the fastest ways of getting your banking details into the hands of hackers. Passwords need to have no connection to any part of your life, should never be stored in your banking app or anywhere on your phone and NEVER, EVER written on the back of your debit card!! Here are my top tips:
Make them long – choose a phrase instead of just 1 word. I love a nonsensical sentence with at least 10 characters.
Always include lower and uppercase letters, a number or 2 and a few symbols.
Every online account needs its own unique password – no exceptions.
Put a reminder in your calendar to update your passwords regularly – at least every 3-6 months.
All sounds too hard? Try a password manager that will not only create complex passwords that no human could ever think of, but it will also remember then for you. Check out McAfee +, complete no brainer!
Geez, public Wi-Fi is convenient, particularly if you are travelling. But, using it to undertake any banking or financial dealings is just too risky in, my opinion. Why? I hear you ask. Well, there are many ways hackers can hack public Wi-Fi, let me share a few:
‘Evil twin’ attack. This is when hackers set up malicious hotspots with seemingly logical and trustworthy names eg ‘Free Café Wi-Fi’. But as soon as you connect, they can easily get their hands on your data.
Man-in-the-middle attack (MitM). This is when hackers break into a network and eavesdrop on data as it travels between connected devices and the Wi-Fi router. For example, your online banking password!
Password cracking attack. Scammers use software that automatically tries a huge volume of usernames and passwords so they can control the router. And once they’ve gained control, they can dupe you into downloading malicious software (that could steal your identity) or redirects you to a webpage that phishes for your personal information.
If you don’t think you can possibly survive without public Wi-fi then you need to invest in a VPN that will ensure everything you share is protected.
If your bank offers two-factor authentication to its customers, then your answer needs to be ‘yes please’! Two-factor authentication or multi factor authentication adds another layer of verification to your banking which minimises the chances of hacker causing you harm. If you’ve activated it, you’ll be asked to provide another piece of information after you’ve entered your login details. Usually a special code, this may be delivered to you via an app, text message or even an automated phone call.
It will take just a few minutes to ring your bank and request to be notified when an activity occurs on your account. Every bank will manage this differently, however most banks can alert you on request via email or text if the following occur:
And if anything at all seems a little fishy, contact your bank immediately!
Unfortunately, few things are guaranteed in life and that includes your online safety. And whether you’re an online banking fan or not, opting out isn’t really an option. So, take some time to tighten up your online banking. Only use legit apps; change your passwords so they are long, strong and complex; invest in a VPN so you can use public Wi-Fi and say yes to two-factor authentication. You’ve got this!
Happy banking!!
Alex
The post Online Banking – The Safe Way appeared first on McAfee Blog.
Your summer vacation is approaching quickly! You can’t wait to take time away from your responsibilities, jump out of your daily routine, and splash into a new adventure. You may be taking time off, but you can be sure cybercriminals won’t take a break. While traveling, you may encounter scams, theft, and identity theft that put your personal information, devices, and online privacy in jeopardy.
McAfee’s Safer Summer Holidays Travel Report surveyed 7,000 people across seven countries to discover how safe it is to plan and book travel online, and how cautious people are when interacting with digital tools while traveling abroad. The infographic below details the key insights.
The research reveals 30% of adults have fallen victim or know someone who has fallen victim to an online scam while trying to save money when booking travel. 34% of those who had money stolen have lost over $1,000 before their trip has even begun, while 66% lost up to $1,000.
62% of all vacationers will travel domestically this year and 42% will do so internationally. With inflation and the cost-of-living crisis, the research reveals new concerns for leisure-seekers who, in their quest for a good deal, may be more likely to fall for a scam. With 94% of people booking travel online this year, it can be easy to get lured into a deal that’s too good to be true. In today’s economic environment, adults are more likely to seek out a bargain deal online (56%), move quickly to snap up a deal (45%), try a new booking site (35%) and even a new destination (36%), in order to save money. However, travel seekers need to stay vigilant to avoid falling for a scam.
Travel scams can take many forms, with the research finding 14% of all adults have been tricked into making payments through fraudulent platforms and 18% have had their identity stolen when booking online. Of this portion, 7% entered passport information and 11% provided other personally identifiable information to a fake website.
The research also uncovered a discrepancy between people’s sentiments and behaviors, as well as online safety best practices when travelling. In total, 61% of people are more concerned about digital threats than physical ones, such as being pickpocketed, and 85% of adults hold either some or high concern around their identity being compromised as part of their travel. Despite this, 48% admitted to being less security conscious when on holiday. Whether it’s connecting to Wi-Fi networks even though they look a bit suspicious (22%), using a free USB charging port at an airport or train station (26%), or leaving their Netflix account logged in after checking out of their accommodation (17%), significant numbers of people have engaged in activities that could put them at increased risk of crime while traveling.
It’s not that people are unaware of the dangers either. While 44% of people think their personal information is less secure when they connect to the internet while on vacation, less than half (43%) make use of any services to monitor the safety of their online identity, and 50% don’t use a VPN while on vacation. Of those that do, 20% only do so because they want to stream geo-specific content.
Knowing the risks doesn’t stop travelers from engaging in the behavior. While social media is by far the most common online activity for people to use their phones for while on vacation (60%), also common are chatting with friends and family (55%), online banking (35%) and sending money via apps such as PayPal or Venmo (22%).
“People are often more relaxed and carefree when away from home, but it’s never been more important to remain vigilant when traveling,” says Cagla Ruacan, McAfee’s Head of Product Strategy and Insights. “From the moment you open your laptop to book a vacation, to when you log into airport Wi-Fi while waiting for the flight home, staying alert and taking precautions helps keep yourself and your loved ones safe from online travel scams. Taking early and proactive steps to manage your security, privacy and online identity means you’ll be able to more safely and confidently enjoy your well-earned vacation.”
When you lose your mobile phone, you’re not just losing an expensive gadget. You’re also losing control of all the valuable personally identifiable information (PII) stored on it. Be especially aware of your surroundings when you’re on vacation. Pickpockets like to congregate in tourist hotspots, at home and abroad. They take advantage of distracted out-of-towners or awestruck sightseers who are less aware of suspicious behavior.
Before you leave, familiarize yourself with common pickpocketing schemes. For example, if a stranger on the street asks you the time, avoid eye contact and keep walking. In this scam, the stranger will comment on your watch or try to strike up a conversation while their partner scopes out your back pockets. It seems impolite to ignore someone, but if they truly need to know the time, they can ask someone else. Also, how many people are there who don’t have a time-telling device on them?
When walking around a city or taking public transportation, keep your phone in your front pockets or in a zippered bag that you can hold around your front. Consider buying a phone tether or lanyard for your phone. This will make your phone much more difficult to lift since it’s securely wrapped around your body.
Before you hop on the plane, train, or automobile, consider investing in identity protection. This way, you can proactively head off any issues that could arise when you should be relaxing. For instance, if your wallet is misplaced or stolen while on vacation, a dark cloud of “what ifs” won’t follow you. What if someone took the contents of your wallet and posted your details online? What if someone used those details to impersonate you online?
Identity monitoring lessens the possibility of these “what ifs” happening to you. Plus, if someone stole your identity and caused financial damages, identity theft coverage and restoration can recoup your losses and the associated costs necessary to restore your good online standing. In 2021, identity fraud affected 42 million adults and losses totaled $52 billion. Identity monitoring may help you avoid becoming part of these staggering statistics.
Consider freezing your credit before you leave on vacation. A frozen credit means that credit bureaus will prevent anyone (including you) from signing up for a new credit card in your name. So, in case your wallet or passport goes missing or you paid with your credit card at an establishment of dubious character, you can sleep soundly knowing that your hard-earned credit score is intact.
It’s a good idea to lock your credit before an incident occurs because speed is key to heading off a thief. Additionally, if you’re traveling abroad, it may be difficult to connect to phone numbers in your home country, especially if you didn’t sign up for a roaming cellular plan.
A virtual private network (VPN) is a must-have online tool to keep your online comings and goings private when you’re on public Wi-Fi. A VPN is software that scrambles your internet traffic, making it nearly impossible for a cybercriminal to digitally eavesdrop.
When traveling, especially if you don’t sign up for a roaming cellular or data plan, you’ll rely solely on public Wi-Fi networks in hotels, restaurants, libraries, and transportation hubs. Even if your accommodation’s network is password protected and is offered only to guests, it’s still best to surf with the protection of a VPN because you can’t be sure of the intentions of the hundreds of people connected to it.
VPNs aren’t difficult to set up and once you’re up and running they’re easy to use and do not slow your internet speed. But because you’d rather be poolside instead of comparing VPN plans, it’s best to sign up and become acquainted with the software before you jet off.
The best defense against cybercriminals and thieves is to arm yourself with knowledge. The more aware you are of their schemes, the better you can sniff them out and avoid them. A few weeks before you leave on vacation, check the news and read up on reports about common emerging scams. For example, be wary of public charging stations as criminals are pumping USB charging ports with malware, according to the FBI.1
Awareness of schemes like this one can help you better prepare before you leave for vacation. Always leave enough time to fully charge your device before adventuring for the day and consider packing your own power bank if your device’s battery life is unreliable. Also, if you’re traveling to another country, make sure to pack a plug converter so you can plug your devices into outlets instead of USB ports.
McAfee+ is an excellent everyday online security partner. The all-in-one identity and online protection tool keep you safe wherever you are in the world. The unlimited VPN will protect your online privacy while on public Wi-Fi. Plus, the service includes credit lock, which allows you to lock and unlock your credit at the press of a button. Finally, for peace of mind, if your identity is ever compromised, McAfee+ offers lost wallet protection and $1 million in identity theft coverage.
Don’t let the thought of thieves – those of the cyber and traditional variety – spoil your long-anticipated vacation. Enjoy your fun in the sun with peace of mind that you’re prepared to overcome any hurdle.
The post How to Protect Yourself and your Identity Before You Leave on Vacation appeared first on McAfee Blog.
The dark web. The name raises all kinds of questions. What is the dark web, really? Where is it? Can anyone hop on it?
Answering these questions can help you stay safer online.
The story of the dark web is a complicated one. It’s a small and highly anonymous layer of the internet. As a result, it has a reputation for harboring criminal activity. We often mention the dark web in our blogs, typically when the conversation turns to identity theft, data breaches, and stolen personal information. Rightfully so. Plenty of cybercrime can get traced right back to the dark web.
Yet cybercriminals didn’t create the dark web. And they’re far from the only people who use it. News outlets like the BBC and the New York Times have a presence there, as does the U.S. Central Intelligence Agency (CIA). Journalists, activists, and everyday citizens use it as well, often to work around oppressive censorship. Even Facebook is there, providing people access to the social media site in regions where it’s blocked.
Anonymity reigns on the dark web. It was designed to work that way. With that, it’s home to a mixed bag of activity, legitimate and illicit alike. Yet that anonymity doesn’t stop us from putting a face onto the dark web—from understanding what it is, where it is, and what transpires there.
That starts with a look at the internet and the two primary layers that make it up.
If you visualize the internet as an ocean, you’ll find it populated with websites and collections of data at all depths. Yet, the typical internet user only has access to the first few feet, a layer of the internet known as the surface web.
The sights you’ll see within the surface web will look familiar. It’s all the blogs, shops, social media sites, and so on that you visit regularly. And it’s easy to get to. You only need to fire up your browser and go. All the sites are public facing. With a quick search, you can find them.
In all, the surface web contains any destination you can reach through search. To put it more precisely, the surface web accounts for areas of the internet that search engines can “crawl” and index for search. Estimates vary, yet the surface web accounts for roughly 4 to 5% of the internet.
Now, enter the deep web, the next 95% of the internet that is not searchable. Yet, that’s not to say that you don’t travel down into its depths from time to time. In fact, you likely do it daily. Any time you go through a paywall or use a password to access internet content, you’re entering the deep web. The content found there is hidden from search. 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.
As such, the overwhelming majority of activity within the deep web is legitimate. So while this layer of the internet runs deep, it isn’t necessarily dark. The dark web is something altogether different.
The dark web lives within the deep web. Like the other depths of the deep web, it’s not searchable. The people behind the websites and data collections on the dark web intentionally keep them hidden from search. And the reasons vary. Some of them are entirely legitimate, others questionable, and several are outright illegal in nature.
Its origins go back to the 1990s, when the U.S. Department of Defense developed the dark web as a means of anonymous and encrypted communications. That story might sound familiar. It’s quite like the origin story for the broader internet. That had its roots in the Department of Defense as well. So, just as the broader internet eventually became available to the public, so did the dark web as well.
Getting there requires a special browser because the protocols for the dark web differ from the surface web. Moreover, these browsers strip web traffic of identifiable information, encrypt it, and send it through a series of server jumps. The browsing traffic will appear to go through a server in one country, then a different server in another, and then another.
These steps make it highly difficult to identify the person using the browser. On the flip side, it makes it difficult to identify the people hosting the sites and services on the dark web as well.
Without question, privacy is everything on the dark web. For good and for bad.
While the notion of the dark web typically gets raised in the context of cybercrime and other illegal activity, it has legitimate uses. Some of these use cases include:
Well-regarded news outlets such as the BBC and Pro Publica maintain a presence on the dark web to ensure that anyone can access their reporting. This includes people in nations and regions where certain news sources are censored.
For the particularly privacy-conscious, the dark web hosts several resources for encrypted communication. That includes email clients, internet chat, and even social media sites.
Anonymous tips are a part of national security, law enforcement, and journalism as well. The private nature of the dark web confers an additional degree of anonymity to tipsters.
The dark web isn’t a place everyday internet users will need, or even want, to go. It’s far more complicated than the surface web—and going in without taking several security measures can make the trip a risky one.
This is where the rubber meets the road from an online protection standpoint. The dark web is also a marketplace for hackers and bad actors. In several ways—as a place to purchase and rent malware, a repository for stolen information, and a place to communicate and coordinate attacks.
For starters, the dark web is populated with dark marketplaces. And difficult-to-trace cryptocurrency is the coin of the realm. With dark web stores stocked with ready-made malware kits, bad actors can launch attacks with little need for technical expertise. Others have done the work for them.
Cybercrime groups of all sizes prop up these shops, which they also use to rent out other services for attacks. For example, a small-time bad actor could easily lease a botnet to wage an attack that slows a targeted website to a crawl. Some cybercrime groups will provide hackers who can run attacks on someone else’s behalf, creating a mercenary “hacker for hire” gig economy.
Likewise, information stolen from a data breach can end up in dark web marketplaces as well. The personal information posted in these marketplaces can range anywhere from emails and passwords to in-depth information like tax numbers, health information, and driver’s license numbers. Some of it goes up for sale. Some of it gets dumped there for free. With the right information in hand, cybercriminals can commit acts of identity theft. That includes claiming unemployment benefits and tax refunds in someone else’s name. In extreme cases, it can lead to bad actors can outright impersonate their victims, racking up debts and criminal records along the way.
Some hacking groups sell hacked accounts outright. For a couple hundred dollars, they offer up login and password information for bank accounts that have a couple thousand dollars in them. Also available, pre-hacked email, social media, and online payment accounts. If it’s hackable and has value, it’s likely for sale on the dark web.
With all this shady activity on the dark web, you might wonder how you can protect yourself. In fact, you can take several steps to help prevent your information from finding its way there. And you also can take other steps if your information unfortunately does end up on the dark web.
Installing online protection software is the first step. Online protection software can help prevent many of the attacks bad actors can purchase on the dark web. It protects against ransomware, adware, spyware, and all manner of malware, whether it’s pre-existing or entirely new.
Yet today’s online protection goes far beyond antivirus. Comprehensive protection like ours protects your privacy and identity as well. It can monitor your identity and credit, create strong passwords, and clean up your personal information online.
An identity monitoring service can actively scan the dark web for personal info like your date of birth, email addresses, credit card numbers, personal identification numbers, and much more. In the event you fall victim to identity theft, our identity theft coverage and restoration can provide up to $1 million in coverage to cover the costs. Plus, it provides the services of a recovery expert with limited power of attorney to help you repair the damage done.
If you spot unusual or unfamiliar charges or transactions in your account, bank, or debit card statements, follow up immediately. That might indicate improper use. In general, banks, credit card companies, and many businesses have countermeasures to deal with fraud. Moreover, they have customer support teams that can help you file a claim if needed.
Given all the accounts you likely have a credit monitoring service can help. McAfee’s credit monitoring service can help you keep an eye on changes to your credit score, report, and accounts with timely notifications and provide guidance so you can take action to tackle identity theft.
With the high number of accounts you need to protect, creating strong, unique passwords for each one can get time consuming. Further, updating them regularly can become a time-consuming task. That’s where a password manager comes in.
A password manager does the work of creating strong, unique passwords for your accounts. These will take the form of a string of random numbers, letters, and characters. They will not be memorable, but the manager does the memorizing for you. You only need to remember a single password to access the tools of your manager.
The more online accounts you keep, the greater the exposure you have to data breaches. Each account will have varying degrees of personal and financial information linked to it. And that means each one carries a varying degree of risk if it gets breached. Moreover, some sites and services protect data better than others, which adds another dimension of risk. Closing old and particularly risky accounts can decrease the risk of your personal and financial information winding up in the hands of an identity thief.
With security and savings in mind, McAfee created Online Account Cleanup. It finds and requests the deletion of unused accounts and protects your personal data from data breaches as a result. Monthly scans across your online accounts show a risk level for each account and help you decide which ones to delete.
Two-factor authentication is an extra layer of defense on top of your username and password. It adds a one-time-use code to access your login procedure, typically sent to your smartphone by text or call. Together, that makes it tougher for a crook to hack your account if they get hold of your username and password. If any of your accounts support two-factor authentication, the few extra seconds it takes to set up is more than worth the big boost in protection you’ll get.
The “dark” in the dark web stands for anonymity. And with anonymity, all kinds of activity follow. Good and bad.
From a security standpoint, the dark web is a haven for all manner of cybercriminals. Understanding how they use the dark web can help you protect yourself from their activities. You have tools for prevention, and you have resources available if your information ends up there or leads to identity theft.
By putting a face on the dark web, you put a face on cybercrime and can help reduce the risk of it happening to you.
The post What is the Dark Web? The Answer Can Help You Stay Safer Online. appeared first on McAfee Blog.
You know what a VPN is, but the question remains—why do you need a VPN?
There’s one good reason. Your privacy. Because it’s a commodity on today’s internet.
For starters, you have advertisers and internet service providers (ISPs) that want to know what you’re doing, when you’re doing it, where you’re doing it, and even for how long you’re doing it. They gather and use this information to create targeted ad profiles. And sometimes, they sell that information to third parties.
Next, there are the hackers and identity thieves out there. They take an even greater interest in what you’re doing online—like your shopping, banking, and finances. Even your insurance and medical matters. Primarily they want that information so they can turn a buck by hijacking your accounts or impersonating you to get medical care. In more extreme cases, they might use stolen information to impersonate you in other ways. That might include opening entirely new lines of credit or getting a driver’s license in your name.
A VPN can prevent this kind of snooping from happening.
As for data collection and ads, that activity should come as no surprise. Particularly for anyone who’s seen uncannily targeted ads follow them around on the internet. Search for “summer cargo pants” one time and suddenly the sites you visit are full of ads for pants, pants, and more pants.
Aside from gathering your online activity for advertising purposes, ISPs might also sell the data they gather to third parties. They can gather that data while you’re on your home network, and they might gather it while you’re using public Wi-Fi. (Some ISPs provide free Wi-Fi in public places that allows them to collect data from people who aren’t their regular customers.)
This practice varies by region and the data privacy laws that are in place in each one.
For example, the European Union has strict data privacy laws that prevent this type of sale. (Thanks to the enactment of the GDPR, General Data Protection Regulation.) However, there are few such protections in the U.S. There, an ISP can sell the browsing history of an internet user to a third party—provided the data has been anonymized.
“Anonymized” is a key term here. It refers to the process of stripping away personal identifiers that connect a person to a set of stored data. It might also include adding “noise” to the data, which obscures personal identifiers. For example, that might remove an exact birthdate and replace it with a broad range of dates. So, “March 31, 1957” becomes “January – June 1957.”
At issue is that this anonymized data can get de-anonymized rather easily.
Researchers in 2019 found that “99.98% of Americans would be correctly re-identified in any dataset using 15 demographic attributes.” And when you consider how much data is collected about you, 15 attributes are only drops in the ocean.
Marketing and analytics companies collect hundreds and hundreds of data points on people and their households. That might include information about their mortgage, if they are allergy sufferers, whether they own cats or dogs, where they do most of their grocery shopping, and more—in addition to other information like their age and address.
What happens when that information gets breached, or published accidentally, as it did when 123 million records of U.S. households were made public back in 2017? It gives bad actors plenty of data that can potentially harm others.
Internet browsing activity doesn’t account for all the data points that these companies collect. However, the thought of your ISP tracking your time online and selling it to others might leave you feeling uncomfortable. Whether that data gets anonymized or not.
The other threat to your privacy online comes from bad actors—like hackers and identity thieves. By targeting insecure networks, lurking on unsecured public Wi-Fi, or setting up phony public Wi-Fi hotspots themselves, they’ll snoop on the people using it.
On insecure networks, bad actors can watch as you log into your bank account, read your email, and see what you’re doing on the internet in general. They can steal any passwords and logins you’re using along the way, giving them access to those accounts.
In truth, this kind of snooping is more than a threat to your privacy. It enters the realm of identity theft, making the risk to your data and personal information that much greater.
With your privacy and personal identity in mind, here are three specific examples that make the case for using a VPN:
As outlined above, the internet has increasingly become less private. Advertisers and ISPs will track you when and where they can. When you use a VPN, you can hide several things from your ISP, like the websites and apps you use, the time spent on them, your search history, and downloads. As for websites and apps, a VPN can hide your IP address and your location, all of which can thwart ad tracking on those sites and apps.
Many larger businesses and organizations offer (and sometimes require) a VPN for their employees who work outside the office. Smaller businesses use them less so, which makes them subject to attacks like data breaches. According to FBI reports, the average cost of a data breach for a business in 2022 was well over $150,000. Moreover, cybercriminals increasingly wage these attacks against businesses with revenues of $500,000 or less, which makes the thought of a six-figure loss even more devastating.
A VPN encrypts and protects company data in transit, whether you’re connecting from home, the airport, or anywhere outside the office. Using one protects you and the business or organization you work for.
A strong VPN service like ours uses bank-grade encryption to keep your data and information secure. With a VPN, a snoop bad actor would only see garbled content thanks to your VPN’s encryption functionality.
If you’re traveling, you can access the sites and services you typically use at home. For example, some video streaming services aren’t available in foreign locations. By using a VPN, you can still access content by connecting through the proxy servers that VPNs use. These are servers in other locations that can make requests on your behalf. So, even if you are out of the country, you can connect to a proxy server in the U.S. and access your services as usual.
If you have online protection with us, like our McAfee+ plans, you have a VPN ready to go. If not, McAfee+ offers a great way to get one.
It’s completely private and independently audited to ensure your sensitive info stays secure. We don’t log or track what you do online, so your online activity remains private.
By design, we made it simple to use. You can set it to automatically turn on if you’re on an unprotected network. Or you can also choose to keep it on all the time for an even safer online experience. With nearly 50 server locations worldwide, you can get a fast and stable VPN connection wherever you go.
And because it comes with our online protection software, you get other identity, privacy, and device security features that can keep you even safer online.
And that kind of protection is called for nowadays. Ad trackers, data collectors, hackers, and thieves—they all want to know what you’re doing online. And with a VPN, you can keep all that to yourself, making your time online more private and secure than before.
The post Three Reasons You Need a VPN appeared first on McAfee Blog.
It’s only a smart lightbulb. Why would anyone want to hack that?
Great question. Because it gets to the heart of security matters for your IoT smart home devices.
Internet of Things (IoT) devices have certainly made themselves at home in recent years. Once a novelty, they’ve become far more commonplace. The numbers bear that out. Recent research indicates that the average U.S. household has 20.2 connected devices. Europe has 17.4 on average, while Japan trails at 10.3.
Of course, those figures largely account for computers, tablets, phones, and internet-connected smart TVs. Yet the study uncovered a sizable jump in the presence of other smart devices.
Comparing 2022 to 2021, smart homes worldwide had:
Consider that connected devices in the home rose just 10% globally during the same timeframe. It’s clear that IoT smart home device ownership is on the upswing. Yet has security kept up with all that growth?
That security question brings us back to the lightbulb.
An adage in security is this: if a device gets connected, it gets protected. And that protection has to be strong because a network is only as secure as its weakest link. Unfortunately, many IoT devices are indeed the weakest security links on home networks.
Some recent research sheds light on what’s at stake. Cybersecurity teams at the Florida Institute of Technology found that companion apps for several big brand smart devices had security flaws. Of the 20 apps linked to connected doorbells, locks, security systems, televisions, and cameras they studied, 16 had “critical cryptographic flaws” that might allow attackers to intercept and modify their traffic. These flaws might lead to the theft of login credentials and spying, the compromise of the connected device, or the compromise of other devices and data on the network.
Over the years, our research teams at McAfee Labs have uncovered similar security vulnerabilities in other IoT devices like smart coffee makers and smart wall plugs.
Vulnerabilities such as these have the potential to compromise other devices on the network.
Let’s imagine a smart lightbulb with poor security measures. As part of your home network, a motivated hacker might target it, compromise it, and gain access to the other devices on your network. In that way, a lightbulb might lead to your laptop—and all the files and data on it.
So yes, someone might be quite interested in hacking your lightbulb.
One Friday morning in 2016, great swathes of the American internet ground to a halt.
Major websites and services became unresponsive as internet directory services got flooded with millions and millions of malicious requests. As such, millions and millions of people were affected, along with public agencies and private businesses alike. Behind it, a botnet. An internet drone army of compromised IOT devices like digital video recorders and webcams.
Known as the Mirai botnet, its initial purpose was to target Minecraft game servers. Essentially to “grief” innocent players. Yet it later found its way into other hands. From there, it became among the first high-profile botnet attacks on the internet.
Botnet attacks can be small and targeted, such as when bad actors want to target a certain business (or game servers). And they can get as large as Mirai did. Regardless of size, these attacks rely on compromised devices. Consumer IoT devices often get targeted for such purposes for the same reasons listed above. They can lack strong security features out of the box, making them easy to enlist in a botnet.
In all, the threat of botnets makes another strong case for securing your devices.
To put a fine point on it, security in your smart home is an absolute must. And you can make your smart home far more secure with a few steps.
Many smart home devices use a smartphone as a sort of remote control, and to gather, store, and share data. So whether you’re an Android owner or an iOS owner, protect your smartphone so you can protect the things it accesses and controls—and the data stored on it too.
One issue with many IoT devices is that they often come with a default username and password. This could mean that your device and thousands of others just like it share the same credentials. That makes it easy for a hacker to access to them because those default usernames and passwords are often published online.
When you purchase any IoT device, set a fresh password using a strong method of password creation. Likewise, create an entirely new username for additional protection as well.
Banks and other online services commonly offer multi-factor authentication to help protect your accounts. In addition to using a username and password for login, it sends a security code to another device you own (often a mobile phone). It throws a big barrier in the way of hackers who try to force their way into your device with a password/username combination. If your IoT devices support multi-factor authentication, consider using it with them too.
Another device that needs good password protection is your internet router. Make sure you use a strong and unique password as well to help prevent hackers from breaking into your home network. Also consider changing the name of your home network so that it doesn’t personally identify you.
Fun alternatives to using your name or address include everything from movie lines like “May the Wi-Fi be with you” to old sitcom references like “Central Perk.” Also check that your router is using an encryption method, like WPA2 or the newer WPA3, which will keep your signal secure.
Older routers might have outdated security measures, which might make them more prone to attacks. If you’re renting yours from your internet provider, contact them for an upgrade. If you’re using your own, visit a reputable news or review site such as Consumer Reports for a list of the best routers that combine speed, capacity, and security.
In addition to fixing the odd bug or adding the occasional new feature, updates often fix security gaps. Out-of-date apps and devices might have flaws that hackers can exploit, so update regularly. If you can set your smart home apps and devices to receive automatic updates, select that option so that you’ll always have the latest.
Just as you can offer your guests secure access that’s separate from your own devices, you can create an additional network on your router that keeps your computers and smartphones separate from IoT devices. This way, if an IoT device is compromised, a hacker will still have difficulty accessing your other devices on your primary network that hosts your computers and smartphones.
You can take another strong security step before you even bring that new smart device home. Research.
Unfortunately, there are few consumer standards for smart devices. That’s unlike other household appliances. They must comply with government regulations, industry standards, and consumer-friendly standards like Energy Star ratings. So, some of the research burden falls on the buyer when it comes to purchasing the most secure devices.
Here are a few steps that can help:
A positive or high customer rating for a smart device is a good place to start, yet purchasing a safer device takes more than that. Impartial third-party reviewers like Consumer Reports will offer thorough reviews of smart devices and their security, as part of a paid subscription.
Likewise, look for other resources that account for device and data security in their writeups, such as the “Privacy Not Included” website. Run by a nonprofit organization, it reviews a wealth of apps and smart devices based on the strength of their security and privacy measures.
Whether you’re looking at a device made by a well-known company or one you haven’t heard of before, a web search can show you if they’ve had any reported privacy or security issues in the past. And just because you might be looking at a popular brand name doesn’t mean that you’ll make yourself more private or secure by choosing them. Companies of all sizes and years of operation have encountered problems with their smart home devices.
What you should look for, though, is how quickly the company addresses any issues and if they consistently have problems with them. Again, you can turn to third-party reviewers or reputable news sources for information that can help shape your decision.
Some smart devices will provide you with options around what data they collect and then what they do with it after it’s collected. Hop online and see if you can download some instructions for manuals for the devices you’re considering. They might explain the settings and permissions that you can enable or disable.
As mentioned above, multi-factor authentication provides an additional layer of protection. It makes things much more difficult for a hacker or bad actor to compromise your device, even if they know your password and username. Purchase devices that offer this as an option. It’s a terrific line of defense.
Some manufacturers are more security- and privacy-minded than others. Look for them. You might see a camera that has a physical shutter that caps the lens and blocks recording when it’s not in use. You might also find doorbell cameras that store video locally, instead of uploading it to the cloud where others can potentially access it. Also look for manufacturers that call out their use of encryption, which can further protect your data in transit.
Even the smallest of IoT smart home devices can lead to big issues if they’re not secured.
It only takes one poorly secured device to compromise everything else on an otherwise secure network. And with manufacturers in a rush to capitalize on the popularity of smart home devices, sometimes security takes a back seat. They might not thoroughly design their products for security up front, and they might not regularly update them for security in the long term.
Meanwhile, other manufacturers do a fine job. It takes a bit of research on the buyer’s part to find out which manufacturers handle security best.
Aside from research, a few straightforward steps can keep your smart devices and your network safe. Just as with any other connected device, strong passwords, multi-factor authentication, and regular updates remain key security steps.
For a secure smart home, just remember the adage: if a device gets connected, it gets protected.
The post Make Your Smart Home a Secure Home Too: Securing Your IoT Smart Home Devices appeared first on McAfee Blog.
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