Don’t Get Cyber-Scrooged on Cyber Monday!
Why fight parking-lot-road-rage, UFC-sanctioned-psycho-shoppers and 12 a.m.-midnight-start-times on Black Friday when you can shop from the comfort of your laptop or iPad while sipping eggnog on the couch (or more likely, from your office desk)? I’m talking about Cyber Monday, of course – the day that online merchants heavily discount their products and generally give free shipping as well. By shopping online, you get most of the same deals and discounts (some of them better) without the breakneck competition common in stores the day after Thanksgiving.
Online shopping during the holidays is a convenient, green, inexpensive way to celebrate the season with less stress. In fact, it’s such an efficient way to buy gifts that cyber shoppers will spend close to $2 Billion this coming Monday. If you are one of them, take a few steps to add peace-of-mind to your peaceful holidays.
How to Protect Your Private Data Online on Cyber Monday
- Never Shop on a Public Wi-Fi Connection - Although you may trust the baristas at your local coffee shop, you can’t always trust the person sitting next to you. Hackers can easily tap into Wi-Fi connections at public hot spots to steal your identity information. This can be especially dangerous when you are making purchases with your credit card on unsecured connections. Options: surf at home or set up Internet Tethering between your smartphone and laptop or tablet so that you are always surfing on an encrypted connection. Unlike most hot-spot transmissions, your mobile phone communications are encrypted and will give you Internet access from anywhere you can make a call.
Comprehensive Opt Out List for Marketing Databases
Major data breaches like the recent Epsilon Breach occur frequently, even if you don’t hear about all of them. With all the publicity surrounding this particular breach, people have been asking how to remove themselves from some of those marketing lists that are frequently compromised.
Opting our of marketing databases is one way to lower your risk of becoming a data breach victim.
So, how do I get out of marketing data bases?
Most databases allow you to opt out of having them share and sell your information, you just need to find out how. Many sites make it tricky to get this done, but most sites that are selling or harvesting your information allow you to do so one way or another.
The Privacy Rights Clearing House lists 135 marketing data brokers who are selling your private information, and tells you whether or not they have opt-out policies. If they do, you have to go to the brokers’ websites and suppress your name yourself. Most of the sites have hard-to-find opt out pages, but you can generally track them down by visiting the Privacy Policy which frequently appears as a link in small print at the bottom of the home page.
Tired of Being Tracked by Websites? Do Not Track is Here.
In response to the growing demands for more privacy on the internet, Mozilla implements a Do Not Track option in Firefox 4.
The most recent version of Mozilla Firefox, which was rolled out this February, offers users the option to opt-out of website tracking. Once enabled, the user’s preference to not be tracked is automatically sent to the website. That doesn’t mean that the website has to do anything about it, but there will probably be a bit of a stink about those sites that don’t respect user’s privacy preferences (it would be the equivalent of someone making a sales call to you after you join the Do Not Call list). Unfortunately, most users will never know which websites are participating in the opt-out Do Not Track function.
Learn more about Firefox’s Do Not Track Technology and about the Big Brother issues posed by companies tracking your every move on the internet.
In my opinion, beginning to solve the surfer privacy issues at the browser level is the right direction to take. It is the most universal gate through which all surfers pass – no one visits a website without touching a browser. If consumers get behind the technology now and let the companies they do business with know that they expect them to honor Firefox’s Do Not Track technology, there will be no option but to acquiesce.
Spokeo Shows Your Home with Only a Name?
True. Unless you have chosen to Opt Out (see below), a picture of your home is only one search away on Spokeo.com, even if I don’t have your address.
Check it out for yourself at www.spokeo.com. On most profiles, if Spokeo has your current address, they also have a picture of your home. It is the same as Google Street View, almost. The difference is that on Google Street View or Google Maps, you can’t easily look up someone’s address based on their name and find the corresponding picture of their home.
In other words, Spokeo aggregates your personal data in a more sophisticated way, ultimately giving users the ability to search on your name and peel back layers of your personal information. This has caused a recent web buzz on the subject and is pushing people to go on their site to remove information you don’t want to share with the world. A few months ago I posted a video about removing your information from Spokeo. Here are the steps.
- Visit www.Spokeo.com.
- Type in your name and click on the record that belongs to you (if it exists).
- Copy the URL in your web browser that points specifically to your record (you should see your name in the URL, something like this: http://www.spokeo.com/search?q=Smith%20Sample#Sample:1219812367)
WSJ Article Quotes Identity Theft Expert, John Sileo
How To Beat The Online Scammers
(A Wall Street Journal Excerpt by Jennifer Waters)
Your pet’s name is a fraudster’s best friend.
You may think you’re giving up precious little when you tell your Facebook friends that you’re dressing your pooch, Puddles, in your favorite color, red, for brunch at Grandma’s on Sunday. But you’ve actually just opened a Pandora’s box of risks.
The information consumers willingly, and oftentimes unwittingly, unleash on social-media websites sets off a feeding frenzy among fraudsters looking to steal everything from your flat-screen TV to your identity…
Too much information can hurt you in other ways. John Sileo, a Denver-based identify-theft expert, says your online chatter could equip an ex-spouse with ammunition for a court challenge. Future or current employers could have a problem with information about your personal life that they deem inappropriate for a member of their staff, he says. You also could be furnishing a would-be stalker with information about your whereabouts. Click Here to Continue Reading….
Facebook Reveals the End of Privacy
The many changes that Facebook has been making recently have users nervous. Nervous because they are lacking the control that they once had over their privacy on the social networking site. While Facebook has never been the mecca of privacy, the recent and swift changes they are making has created more of an issue for users. One by one they are voicing there concerns with the new features and why they feel Facebook is slowly revealing the end of your privacy.
Here are a few of the new features – although they are snazzy – they have many users concerned.
User IDs. With only your email address on hand, data miners can easily match it with the new user ID that has been issued yo you. Basically, the ID provides your name and profile picture no matter how your privacy settings are set. This can also include your hometown, photos, friends, and more depending on how strict your settings are. This gives companies the ability to advertise to you. If you are a young female living in Austin, Texas, there are literally thousands of products that can be marketed to you just using that information alone.
Online Privacy Needs A Federal Office
According to a recent New York Times article, the government may be creating a department solely dedicated to strenghthening privacy policies within the United States and other countries. A recent report details why such a force is necessary. Although this new office would lack enforcement authority, they would work directly with the administration and necessary agencies to attack and solve privacy issues.
“America needs a robust privacy framework that preserves consumer trust in the evolving Internet economy while ensuring the Web remains a platform for innovation, jobs and economic growth,” the Secretary of the Commerce, Gary F. Locke, said in a statement. “Self-regulation without stronger enforcement is not enough. Consumers must trust the Internet in order for businesses to succeed online.”
The policy task force already suggested we make visible exactly what information is collected online through a “Privacy Bill of Rights.” Companies that collect this information will then have increased accountability and limits on what they can do with information collected.
The FTC would remain in charge of consumer privacy issues, but privacy concerns extend beyond borders and need to be handled with other countries. Information gathered from a 2009 study by the Interactive Advertising Bureau found that Internet advertising is responsible for approximately $300 billion of economic activity a year.
Cyber-Bullying and Social Networking Identity Theft
With the meteoric rise in cyber-bullying, parents are desperate to find a way to shield their children. Unfortunately, most parents are far behind their child’s proficiency with technology. Many don’t text, aren’t on Facebook, and are oblivious to the many ways in which kids can taunt each other with technological ease. Although children may be quick and nimble with technology, they lack the maturity to understand its consequences.
A recent article in the New York Times on Digital Bullying (read the MSN version here) addressed these very issues and gave true and heart-wrenching accounts of how parents were left helpless at the hands of their children’s online bullies. “I’m not seeing signs that parents are getting more savvy with technology,” said Russell A. Sabella, former president of the American School Counselor Association. “They’re not taking the time and effort to educate themselves, and as a result, they’ve made it another responsibility for schools.”
Kids have a great deal of anonymity on the internet if they want it, and can easily impersonate another child or steal their identity. This modified form of identity theft (character theft, I tend to call it), allows the bully to hide behind his or her computer with no real consequences for what they are saying. A scathing remark made in passing by one child can haunt another child for the rest of their lives.
Cyber Theft on Cyber Monday
Don’t let a Cyber Scrooge Spoil Your Holidays!
Although most shoppers gear up and focus on Black Friday, Cyber Monday offers tons of hot deals to online shoppers. It began in 2005 and quickly became one of the biggest online shopping days of the year. On average, online shopping increases by 16% (worth more than $760 million dollars) on this one day alone!
Shoppers find the appeal in avoiding parking lots at malls, bustling stores and frantic holiday crowds. While it is very convenient, you can also be putting yourself at greater risk for identity theft and credit card fraud if you are not careful. In any situation there are steps you can take to protect yourself and make it easier to detect fraud if you become a victim. If you protect yourself, I feel that you are safer shopping online than in person (where about 15% of identity theft takes place).
Protect Yourself Online on Cyber Monday
Here are a few steps to take to protect yourself on Cyber Monday:
- Never Shop on a Public Wi-Fi Connection - Although you may trust the baristas at your local coffee shop, you can’t always trust the person sitting next to you. Hackers can easily tap into Wi-Fi connections at public hot spots to steal your identity information. This can be especially dangerous when you are making purchases with your credit card on unsecured connections. Always wait until you are on a land line (Ethernet cable) at a location you trust – I recommend making purchases at home.
Sileo In the Media
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