We all deal with different providers and organisations. It can feel like a lot to keep up with all the various platforms and people, especially when they all have their own unique ways of doing things. But just like keeping your door locked, a little knowledge is worth the extra security and peace of mind.
Unfortunately, some of the same technology advancements that make our lives so convenient have also made it easier for scammers to run more sophisticated schemes. So, it’s important to be aware of some common tricks to watch out for.
Common scams to be aware of
Phishing scams
These are when criminals trick you into giving them your personal information by sending emails, messages, or SMS pretending to be from organisations or people you know and trust (like Services NSW, ATO, or transport agencies). This can be a general send-out, like a link saying you owe money, or it can be targeted to you as an individual.
Data breaches
This is when your data is accidentally released to unauthorised people or as a result of a breach (or a hack). If you use the same password and email to log into all of your accounts, you’re at a higher risk of someone gaining access to important information, for example, if your social media account information was leaked, and you use the same password for your myGov.
Friendship and romance scams
Cybercriminals can take advantage of you whenever you meet new people. It’s important to stay alert in forums, Facebook, WhatsApp, and online support groups. They can be great places to connect with people, but there’s always a risk involved. It can be tricky to verify if someone is who they say they are online. Watch out for anyone asking for money, gifts, or personal information.
Five Steps to Stay Protected While Online
1. Keep Your Personal Information Safe
Keeping your personal information private is super important for staying safe online. Scammers can be really convincing, and even people close to us can try to trick you. So, it’s best to keep your info to yourself. Here are some tips to help you stay safe:
- Keep your login details secret.
- Make sure you use different passwords for each of your accounts. That way, if one password is compromised, the others aren’t at risk.
- If you have to answer a security question to recover your account, try not to use the same one every time (like your mother’s maiden name).
- Whenever possible, set up two-factor authentication to add an extra layer of security.
- Don’t share your phone or other devices with anyone. Many people save important passwords to their devices, and if someone has your device and knows your passcode, they can access all of your saved login details.
2. Always double-check before providing sensitive details like making a payment or purchase
Scammers can send really convincing fake messages, including invoices, so it’s always a good idea to double-check the details before you pay or give out any sensitive information to scammers. If you end up paying a fraudulent invoice or charge before realising it’s a scam, contact your bank immediately to see if they can stop the transaction.
Safety checks for unsolicited calls, messages or emails:
- Check the email address or phone number: Scams will often have different contact information.
- Be wary of who might be calling: Government departments won’t call, text you out of the blue to ask for sensitive info like your bank details or login credentials. If you’re unsure about who’s calling, you can always hang up and call the organisation back on their official number.
- Don’t click any links: Many companies and agencies don’t use links in their emails or texts anymore, especially if they’re a common target for scammers. If you’re not sure if a link is legitimate, don’t click it! Just go straight to the organisation’s website and log in to check if you have any messages waiting.
- Check for tone or spelling mistakes. Even if the email address doesn’t raise any alarms, look out for clunky grammar, an odd layout, or spelling mistakes – this can be an indication of a scam.
3. Check your consents
You might have given consent to nominees or carers to access your information. Make sure you’re aware of everyone on that list. Also make sure your contact details are up to date and accurate so that any information is sent directly to you.
4. Update your software and backup your devices
Make sure your smartphone, computer or tablet is up to date. This will help protect you. Whether your device is Apple or Android, or your computer runs Mac or Windows, check if you’ve got the latest software. You can even turn on automatic updates to give you peace of mind.
Backing up your information is like creating a digital copy of your precious photos, documents, and other important info. It means if you lose your device or it’s stolen or damaged, you can easily restore your files and settings. You should back up often or, even better, set up automatic backups.
5. Trust your gut!
Scammers targeting older people will often rely on fear or intimidation. They take advantage of many of us not being confident online, and the fear of losing funding or being fined.
If something doesn’t feel right, trust your instincts and don’t feel rushed. It’s better to be cautious and double-check. Being vigilant now can save a lot of trouble later on!
