You’ve probably heard the adage “information is power,” and that is certainly true when it comes to cybercrime. Access to your personal information is what gives hackers the power to tap into your accounts and steal your money or your identity. But the right information can also empower you to protect yourself from being caught up in the thriving industry that is cybercrime.
With that in mind, here is our Top 10 list of steps you can take to avoid becoming a victim of cybercrime.
1) Education - Hackers aren’t the only ones who can gain power from information. By educating yourself about the types of scams that exist on the Internet and how to avert them, you are putting yourself one step ahead of the cybercriminals.
Since phishing is prevalent, read up on the latest phishing scams and learn how to recognize a phishing attempt. Remember, phishing is when hackers attempt to lure you into revealing personal information by pretending to be a legitimate organization or person. These scams often play off major new stories, so keep informed on the latest news-related scams.
2) Use a firewall - Firewalls monitor traffic between your computer or network and the Internet and serve as a great first line of defense when it comes to keeping intruders out. Make sure to use the firewall that comes with your security software. And if you have a home wireless network, enable the firewall that comes with your router.
3) Click with caution - When you’re checking your email or chatting over instant messenger (IM), be careful not to click on any links in messages from people you don’t know. The link could take you to a fake website that asks for your private information, such as user names and passwords, or it could download malware onto your computer. Even if the message is from someone you know, be cautious.
Some viruses replicate and spread through email, so look for information that indicates that the message is legitimate.
4) Practice safe surfing - When navigating the web, you need to take precautions to avoid phony websites that ask for your personal information and pages that contain malware. Use a search engine to help you navigate to the correct web address since it will correct misspellings. That way, you won’t wind up on a fake page at a commonly misspelled address. (Creating a phony site at an address similar to the real site is called “typosquatting,” and it is a fairly common scam.)
You may also want to use a product like McAfee® SiteAdvisor® software to help you navigate. SiteAdvisor software is a free browser tool that tells you if a site is safe or not right in your search results, so you are warned before you click.
5) Practice safe shopping - In addition to practicing safe surfing, you also need to be careful where you shop online. Be cautious when shopping at a site that you’ve never visited before and do a little investigation before you enter your payment information. Look for a trustmark, such as McAfee SECURE™, to tell you if a site is safe.
And when you’re on a payment page, look for the lock symbol in your browser, indicating that the site uses encryption, or scrambling, to keep your information safe. Click on the icon to make sure that the security certificate pertains to the site you are on.
You also want to look at the address bar to see if the site starts with “https://” instead of “http://” because this is another way to see if the site uses encryption.
When it comes time to pay, use a credit card instead of a debit card. If the site turns out to be fraudulent your credit card issuer may reimburse you for the charges, but with a debit card your money is gone.
Finally, evaluate the site’s security and privacy policies in regards to your personal data.
