Scammers, hackers, identity thieves and other cyber-criminals spend all year long looking for ways to steal your personal and business information – and your money. Here are seven simple steps from the IRS you should take to help protect your computer in 2016, including data you have stored on the cloud.
1 | Understand and use security software
Security software helps protect your computer against digital threats online. Generally, your operating system will include security software or you can access free security software. Other options may have an annual licensing fee and offer more features.
Essential tools include:
• A firewall
• Virus/malware protection
• File encryption (if you keep sensitive financial/tax documents on your computer)
Security suites often come with firewall, anti-virus and anti-spam, parental controls and privacy protection. File encryption to protect your saved documents may have to be purchased separately.
Do not buy security software offered as an unexpected pop-up ad on your computer or email! It’s likely from a scammer.
2 | Allow security software to update automatically
Set your security software to update automatically. Malware – malicious software – evolves constantly and your security software suite is updated routinely to keep pace.
3 | Look for the “s” for encrypted “https” websites
When shopping or banking online, always look to see that the site uses encryption to protect your information. Look for https at the beginning of the web address. The “s” is for secure. Unencrypted sites begin with an http address. Additionally, make sure the https carries through on all pages, not just the sign-on page.
4 | Use strong passwords
Use passwords of at least 10 to 12 characters, mixing letters, numbers and special characters. Don’t use your name, birthdate or common words. Don’t use the same password for several accounts. Keep your password list in a secure place or use a password manager. Don’t share your password with anyone. Calls, texts or emails pretending to be from legitimate companies or the IRS asking you to update your accounts or seeking personal financial information are generally scams. (Note: At SmallBusiness.com, we also recommend using a password management system.)
5 | Secure your wireless network
A wireless network sends a signal through the air that allows you to connect to the Internet. If your home or business wifi is unsecured it also allows any computer within range to access your wireless and steal information from your computer. Criminals also can use your wireless to send spam or commit crimes that would be traced back to your account. Always encrypt your wireless. Generally, you must turn on this feature and create a password.
6 | Be cautious when using public wireless networks
Public wi-fi hotspots are convenient but often not secure. Tax or financial Information you send though websites or mobile apps may be accessed by someone else. If a public Wi-Fi hotspot does not require a password, it probably is not secure. If you are transmitting sensitive information, look for the “s” in https in the website address to ensure that the information will be secure. (More advice for using a public wifi network.)
7 | Avoid phishing attempts
Never reply to emails, texts or pop-up messages asking for your personal, tax or financial information. One common trick by criminals is to impersonate a business such as your financial institution, tax software provider or the IRS, asking you to update your account and providing a link. Never click on links even if they seem to be from organizations you trust. Go directly to the organization’s website. Legitimate businesses don’t ask you to send sensitive information through unsecured channels. (See also: “How Hackers Use Social Engineering and How to Prevent It“)