How to protect yourself while shopping online
Like most people, you probably do more and more of your shopping online. Unfortunately, the ease and convenience of online shopping makes the holiday season the perfect time for cybercriminals to take advantage. Three common ways that attackers victimize online shoppers are:
- Creating fraudulent sites and email messages
- Intercepting insecure transactions
- Targeting vulnerable computers
Fortunately, many cyber-threats are avoidable. When you shop in person, you bring reusable bags, lock the car, and put away your wallet when you’re done with your purchase. Similar habits can protect you, your purchases, and your identity:
- Shop reliable websites, and get there safely. If an offer sounds too good to be true, it probably is! Don’t be fooled by the lure of great discounts by less-than-reputable websites or fake companies. Use the sites of retailers you know and trust, and get to their sites by directly typing a known, trusted URL into the address bar instead of clicking on a link.
- Beware of seasonal scams. Fake package tracking emails, fake e-cards, fake charity donation scams, and emails requesting that you confirm purchase information are particularly common this time of year. Use known, trusted URLs instead of clicking on links.
- Conduct research. There are a lot of fake and malicious companies out there this time of year. When considering a new website or online company for your holiday purchases, read reviews and see if other customers have had positive or negative experiences with them. Also verify the website has a legitimate mailing address and a phone number for sales or support-related questions. If the site looks suspicious, call and speak to a human.
- Always think twice before clicking on links or opening attachments — even if they appear to be from people you know, legitimate organizations, your favorite retailers, or even your bank. Messages can easily be faked. Use known, trusted URLs instead of clicking on links. And open only expected attachments from known senders. When in doubt, throw it out!
- Keep clean machines. Before searching for that perfect gift, make sure your device, apps, browser, and anti-virus/anti-malware software are patched and up to date.
- Protect your passwords. Make them long and strong, never reveal them to anyone, and use multi-factor authentication (MFA, also called two-factor or two-step authentication) wherever possible. See https://www.lockdownyourlogin.com/ for additional tips on protecting your passwords and enabling MFA.
- Look for https:// (not http) in the address bar before using your credit card online.
- Check your credit card and bank statements regularly. These are often the first indicators that your account information or identity has been stolen. If there is a discrepancy, report it immediately.
- Stay safe with text alerts. Most banking apps and sites provide the option to set alerts, such as a text message for every transaction over a specified dollar amount or a daily text summary of your current balance. Set these alerts and use them to spot signs of unusual activity.
- Check your credit report at least annually. The Federal Trade Commission provides information about getting free credit reports and what to do if you find discrepancies: https://www.consumer.ftc.gov/articles/0155-free-credit-reports
- Secure your home wi-fi. To prevent eavesdroppers and data thieves, enable strong encryption on your home wireless network — WPA2 is recommended. Set a strong passphrase (12 characters or more), change your network’s name (SSID) from the default to something not obviously belonging to you, and limit who has administrative access to your home network. Finally, log in to your wireless router periodically to check for software updates (many home routers don’t auto-update).
- Get savvy about wi-fi hotspots and public computers. Treat all wi-fi hotspots and public computers as compromised, even if they appear to be safe. Limit the type of business you conduct on them, including logging in to key accounts, such as email and banking, and purchasing/shopping. Set your devices to “ask” before joining new wireless networks so you don’t unknowingly connect to an insecure or fraudulent hot spot.
Some additional ways to protect yourself online year-round
- Unique account, unique password: Having separate passwords for every account helps to thwart cybercriminals. At a minimum, separate your work and personal accounts and make sure that your critical accounts have strong passwords — and multi-factor authentication if possible.
- Don’t ever give your financial information or personal information via email or text.
- Pay by credit card, not debit card. Credit cards offer protections that may reduce your liability if your information is used improperly. Debit cards typically do not have the same level of protection. It’s also a good idea to use a separate credit card only for your digital transactions. While this won’t prevent theft, it will limit your exposure and make online fraud easier to detect.
- Only use apps from known, reputable sources. Less reputable apps can include malicious software (“malware”) designed to steal credit card and other sensitive information. And keep your apps up to date.
- Don’t respond to pop-ups. Ignore pop-up offers and deals. Just close them. Don’t respond, click on the links or call the phone numbers. Similarly, don’t respond to pop-ups saying that you need to buy anti-virus software or software to “clean your infected computer”. These are all scams.
- Don’t auto-save your passwords or credit card numbers. The inconvenience of having to re-enter the information is insignificant compared to the amount of time you would spend trying to repair the loss of your stolen information.
- Secure all of your devices with a complex password. Don’t use the same password for any other accounts. Set a timeout that locks your devices after a period of inactivity, and be sure they require a password or other authentication to start up or resume activity.
- Disable Bluetooth, wireless and Near Field Communications (NFC) when not in use to reduce the risk of your data being intercepted by thieves. Some stores and other locations also look for devices with wireless or Bluetooth turned on to track your movements while you are within range.
Reach out to your IT Service Desk for questions about any of these recommendations.