Continuing from yesterday, here are the rest of tips from experts to beat the fraudsters.
7. If you have a “wipe your phone” feature, you should set it up
Features such as Find My iPhone, Android Lost or BlackBerry Protect allow you to remotely to erase all your personal data, should your device be lost or stolen. “Absolutely, set it up,” advises Derek Halliday of mobile security specialist Lookout. “In the case where your phone is gone for good, having a wipe feature can protect your information from falling into the wrong hands. Even if you didn’t have the foresight to sign up, many wipe your phone features can be implemented after the fact.”
8. Only shop online on secure sites
Before entering your card details, always ensure that the locked padlock or unbroken key symbol is showing in your browser, cautions industry advisory body Financial Fraud Action UK. Additionally the beginning of the online retailer’s internet address will change from “http” to “https” to indicate a connection is secure. Be wary of sites that change back to http once you’ve logged on.
9. Don’t assume banks will pay you back
Banks must refund a customer if he or she has been the victim of fraud, unless they can prove that the customer has acted “fraudulently” or been “grossly negligent”. Yet as with any case of fraud, the matter is always determined on an individual basis. “Anecdotally, a customer who has been a victim of a phishing scam by unwittingly providing a fraudster with their account details and passwords only to be later defrauded could be refunded,” explains Michelle Whiteman, spokesperson for the Payments Council, an industry body. “However, were they to fall victim to the same fraud in the future, after their bank had educated them about how to stay safe, it is possible a subsequent refund won’t be so straightforward. Under payment services regulations, the onus is on the payment-service provider to prove that the customer was negligent, not vice versa. Credit card protection is provided under the Consumer Credit Act and offers similar protection.” These policies are for UK, it will change from country to country.
10. Ignore pop-ups
Pop-ups can contain malicious software which can trick a user into verifying something. “[But if and when you do], a download will be performed in the background, which will install malware,” says Sidaway. “This is known as a drive-by download. Always ignore pop-ups offering things like site surveys on e-commerce sites, as they are sometimes where the malcode is.”
11. Be wary of public Wi-Fi
Most Wi-Fi hotspots do not encrypt information and once a piece of data leaves your device headed for a web destination, it is “in the clear” as it transfers through the air on the wireless network, says Symantec’s Sian John. “That means any ‘packet sniffer’ [a program which can intercept data] or malicious individual who is sitting in a public destination with a piece of software that searches for data being transferred on a Wi-Fi network can intercept your unencrypted data. If you choose to bank online on public Wi-Fi, that’s very sensitive data you are transferring. We advise either using encryption [software], or only using public Wi-Fi for data which you’re happy to be public - and that shouldn’t include social network passwords.”
12. Run more than one email account
Thinking about having one for your bank and other financial accounts, another for shopping and one for social networks. If one account is hacked, you won’t find everything compromised. And it helps you spot phishing emails, because if an email appears in your shopping account purporting to come from your bank, for example, you’ll immediately know it’s a fake.
13. Macs are as vulnerable as PCs
Make no mistake, your shiny new MacBook Air can be attacked too. It’s true that Macs used to be less of a target, simply because criminals used to go after the largest number of users - ie Windows - but this is changing. “Apple and Microsoft have both added a number of security features which have significantly increased the effectiveness of security on their software,” says Sidaway, “but determined attackers are still able to find new ways to exploit users on almost any platform.”
14. Don’t store your card details on websites
Err on the side of caution when asked if you want to store your credit card details for future use. Mass data security breaches (where credit card details are stolen en masse) aren’t common, but why take the risk? The extra 90 seconds it takes to key in your details each time is a small price to pay.
15. Add a DNS service to protect other devices
A DNS or domain name system service converts a web address (a series of letters) into a machine-readable IP address (a series of numbers). You’re probably using your ISP’s DNS service by default, but you can opt to subscribe to a service such as OpenDNS or Norton ConnectSafe, which redirect you if you attempt to access a malicious site, says Sian John. “This is helpful for providing some security (and parental control) across all the devices in your home including tablets, TVs and games consoles that do not support security software. But they shouldn’t be relied upon as the only line of defence, as they can easily be bypassed.”
16. Enable two-step verification
If your email or cloud service offers it - Gmail, Dropbox, Apple and Facebook do - take the trouble to set this up. In addition to entering your password, you are also asked to enter a verification code sent via SMS to your phone. In the case of Gmail you only have to enter a fresh code every 30 days or when you log on from a different computer or device. So a hacker might crack your password, but without the unique and temporary verification code should not be able to access your account.
17. Lock your phone and tablet devices
Keep it locked, just as you would your front door. Keying in a password or code 40-plus times a day might seem like a hassle but, says Lookout’s Derek Halliday, “It’s your first line of defence.” Next-generation devices, however, are set to employ fingerprint scanning technology as additional security.
18. Be careful on auction sites
On these sites in particular, says Symantec’s Sian John, exercise vigilance. “Check the seller feedback and if a deal looks too good then it may well be,” she says. “Keep your online payment accounts secure by regularly changing your passwords, checking the bank account to which it is linked and consider having a separate bank account or credit card for use on them, to limit any potential fraud still further.”
19. Lock down your Facebook account
Facebook regularly updates its timeline and privacy settings, so it is wise to monitor your profile, particularly if the design of Facebook has changed. Firstly, in the privacy settings menu, under “who can see my stuff?” change this to “friends” (be warned: setting this to “friends of friends” means that, according to one Pew study, on average you are sharing information with 156,569 people). Also in privacy, setting “limit old posts” applies friends-only sharing to past as well as future posts. Thirdly, disable the ability of other search engines to link to your timeline.
You should also review the activity log, which shows your entire history of posts and allows you to check who can see them. Similarly, you should look at your photo albums and check you’re happy with the sharing settings for each album. In the future you may want to consider building “lists” - subsets of friends, such as close friends and family, who you might want to share toddler photographs with, rather than every Tom, Dick and Harriet.
Also, remove your home address, phone number, date of birth and any other information that could used to fake your identity. Similarly you might want to delete or edit your “likes” and “groups” - the more hackers know about you, the more convincing a phishing email they can spam you with. Facebook apps often share your data, so delete any you don’t use or don’t remember installing. Finally, use the “view as” tool to check what the public or even a particular individual can see on your profile, continue to “edit” and adjust to taste. If this all sounds rather tedious, you just might prefer to permanently delete your account.
20. Remember you’re human after all
While much of the above are technical solutions to prevent you being hacked and scammed, hacking done well is really the skill of tricking human beings, not computers, by preying on their gullibility, taking advantage of our trust, greed or altruistic impulses. Human error is still the most likely reason why you’ll get hacked.The Guardian
