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How to Protect Yourself Online
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How to Protect Yourself Online

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How safe is the Internet? Are you worried about identity theft? This short presentation gives you real-world advice on how to protect yourself online. How to spot online scams. How to choose a …

How safe is the Internet? Are you worried about identity theft? This short presentation gives you real-world advice on how to protect yourself online. How to spot online scams. How to choose a password. How to shop online safely. And how to bank online securely. Copyright Legal123 Pty Ltd. http://Legal123.com.au


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  • 1. How To ProtectYourself Online 0
  • 2. Scams are everywhere• Top scams for 2011 and 2012• Current scams: – “Phishing” and Phoney fraud alerts – Phoney fraud alerts – Credit card scams and card “skimming” – Nigerian 419 scams – Work from home scams – Auction and shopping – Spyware – Cheque overpayment, banking and online account 1
  • 3. What should I do if I’m scammed?• Contact ACCC on 1 300 302 502 or online at www.accc.gov.au• Government has a new site to monitor and report on scams in Australia – www.scamwatch.gov.au – Call 1 300 795 995• Immediately cancel your credit card and contact your bank or financial institution 2
  • 4. Is online shopping safe?• No laws in Australia dealing with online shopping• Normal consumer protection applies to goods and services• Purchasing with credit cards: – Saving details for future purchases? – Phone and internet payments-no presence required – Beware dumpster diving and magstripe copying 3
  • 5. How can I protect myself shoppingonline?• Check refund/warranty guarantee policies• Look for privacy and security policies• Do due diligence: check reviews, scams• Beware of hidden shipping, duty and other costs• Look for recognized secure/protect signs or icons• Credit cards all have secure systems online (i.e. Verified by Visa) and look for „padlock‟ on screen 4
  • 6. What about buying overseas?• Consumer laws only protect within Australia• Customs seize or duty may apply; GST applies• Check with Customs, check price is AUD• To protect: – Check trader (ASIC search) – Return, refund, warranty, insurance for loss/damage – Complaints handling/dispute resolution – Privacy, security and reviews – Check country warning-high risk 5
  • 7. Trust icons to look out for 6
  • 8. How else can I protect myself?• Change your passwords and PIN regularly• Have alternative payment methods to credit cards for online purchases: i.e. PayPal• Will an Online store keep your personal info private – Check privacy policy and reviews online• Ensure your bank uses high end encryption – SSL and padlock 7
  • 9. Is online banking safe?SSL and „https‟ 8
  • 10. Is online banking safe?• Never enter personal details in a site with a broken padlock or key• Never enter personal details in a site that is missing the “s” on “https”• If you think you have provided your account details to a scammer, contact your bank immediately• NEVER use hotspots! 9
  • 11. Safe password practices• Never use birthday, address, telephone number• Change them regularly• Longer is better – Use combination of numbers & letters• Regularly update your home/business computer with anti-virus and anti-spyware protection 10
  • 12. What direction is Australia going?• New Australian Consumer Protection legislation started January 2012• New regulations and guidelines relating to – Product safety – Consumer rights – Guarantees and warranties – Receipts and invoices – Reporting• ALL businesses, both goods and services 11
  • 13. Consumer protection highlights• False and misleading advertising – Including price, origin, style and value• Stricter definition of product safety – Plus new reporting requirements• Warranty – Fit-for-purpose, refund, servicing and parts• Unfair term in your contract will make it null & void 12
  • 14. Your private bits• Privacy laws are changing around the world• Look for websites that have privacy policy: if they collect your information - they should have one!• PP should tell you what they collect, how they collect, how they use, how they store & keep secure• Never give your details in an email or by other unencrypted means 13
  • 15. Privacy legislation• Australia has strong and strict Privacy Laws• Difficulty online-cannot legislate other countries• Within Australia: require any external suppliers and providers to have same privacy restrictions 14
  • 16. JP duties and electronic documents• Can I certify an electronic document? – No, an electronic document cannot be considered an original document – includes a scanned image, a word processing file or any electronic file format, including files in Portable Document Format (PDF) – If a person asks you to certify a copy of a document sent to you by email, fax or other electronic means, you must decline to certify the copy 15
  • 17. And lastly, best evidence• These days of electronic signatures, fax machines, scanners mean the courts are faced with new evidence• The digital evidence/electronic evidence• Technology changing quickly requiring courts and court evidence to move in line with requirements 16
  • 18. More information?Go to www.Legal123.com.au 17