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 password. How to shop online safely. And how to bank online securely. Copyright Legal123 Pty Ltd. http://Legal123.com.au

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How to Protect Yourself Online

  1. 1. How To ProtectYourself Online 0
  2. 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. 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. 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. 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. 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. 7. Trust icons to look out for 6
  8. 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. 9. Is online banking safe?SSL and „https‟ 8
  10. 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. 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. 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. 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. 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. 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. 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. 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. 18. More information?Go to www.Legal123.com.au 17

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