Common Scams and how to prevent fraudsters from winning
Your online safety is crucial. Below, we outline key practices and safeguards to protect you from phishing, smishing, vishing, identity theft, and enhance your overall online security.
What is Phishing?
Phishing involves deceptive emails or messages designed to trick you into sharing sensitive information. Smishing and vishing are similar scams using SMS/text messages and voice calls, respectively.
To stay safe:
- Verify Email, Text, and Call Sources: Ensure that emails, text messages, and calls are legitimate before clicking any links, opening attachments, or sharing information.
- Beware of Urgent or Suspicious Requests: Fraudsters often create a sense of urgency to push you into quick action.
- Never Share Personal Information: Don? t disclose passwords, banking details, or personal information in response to unsolicited communication.
What is Smishing?
Smishing is a type of phishing scam conducted via SMS or text message. These messages may appear to come from trusted sources like banks or government agencies, asking you to click on a link or provide information. Tip: Avoid clicking on links in unexpected or suspicious texts.
What is Vishing?
Vishing uses phone calls to deceive individuals into sharing confidential information. Scammers may pose as bank representatives or tech support to gain access to your details. Tip: Hang up and call back using a verified number if you? re unsure of a call? s legitimacy.
Preventing Identity Theft
Identity theft can have severe financial and personal consequences. Protect yourself by:
- Secure Your Personal Data: Keep personal information private and only share it on trusted, encrypted websites (look for ? https://? in the URL).
- Monitor Your Accounts: Regularly check bank statements and credit reports for any unauthorised activity.
- Strong, Unique Passwords: Use complex passwords and update them regularly. Enable two-factor authentication where available.
General Online Security Tips
Adopting these practices will help safeguard your online presence:
- Keep Software Up to Date: Regular updates for your devices and apps include essential security patches.
- Use Reliable Security Software: Install and maintain reputable antivirus and anti-malware tools.
- Be Cautious with Public Wi-Fi: Avoid accessing sensitive accounts or sharing personal information on public Wi-Fi without a secure VPN.
What to Do if You? re a Victim
If you suspect phishing, smishing, vishing, identity theft, or have experienced a security breach:
Report it Immediately: Contact your bank, relevant financial institutions, and, if needed, local authorities. Change Affected Passwords: Update your login details across all impacted accounts. Monitor for Suspicious Activity: Keep an eye on your accounts for any unauthorized transactions or activities.
Stay Informed: Awareness is your first line of defense.