Friday, July 24, 2009
Protecting Your Private Information Online
Protecting your information online is tricky, and worst of all, is not only dependent on you. But there are a few things you can do to prevent running afoul of this phenomenon.
Firstly lets talk about why you need to protect your information online. Apart from the obvious discomfort at information you consider private being learned by others there are a number of ways that this information is used by criminals that will eventually cause you some distress. The first of these is credit card fraud. If unscrupulous people learn your credit card details (and we will talk about how this, and other identity theft can happen below) then they will use it to try and buy goods and services, which the credit card company will try and bill you for. Depending on the card agreement, the merchant usually takes the risk and so eventually you will probably not have to pay these fraudulent charges. But you may spend a long time on the telephone getting the matter sorted, and it may take months to resolve. During that time you may not be able to use your credit card either.
Another way the crooks might try and use this information is for "Identity Fraud", where they pretend to be you in order to enter into some sorts of agreements/contracts, typically to obtain credit of some sort or another, usually for a highly mobile asset which they can quickly sell. So it is unlikely they would buy a house using your identity - the goods would be too easy to recover when the fraud came to light, but they might try and get a 50,000 overdraft in your name, secured against your house. Usually the amounts of money involved are substantially higher, and the creditors (bank or whoever) are far more tenacious at chasing up the bad debts. In the end chances are you wont be held to account for the fraudulent transactions, but it isn't unusual for people to have to spend a substantial amount on solicitors to prove they aren't the guilty party.
And of course there are the minor irritations such as increases in addressed junk mail that turns up in your letter box.
So, how do you protect yourself? Apart from making sure your computer is reasonably secure (and there are other articles here on the blog about this) the other thing to do is to make sure you don't inadvertently give your private information to the bad guys...
Be Careful Who You Are Giving Your Information To
A snazzy looking website is not that hard or expensive to set up. Running a secure website, that protects people's information is very difficult, and is something that a lot of organisations get wrong. So it isn't that the people asking for your information are dodgy - most of them are honest enough. The problem is they normally don't have the time or the resources to protect your information properly.
The Padlock Doesn't Mean What You Think It Does
You may have been told to look for the padlock on browser windows as a way of checking the security of a web site. While the padlock is better than nothing it perhaps doesn't mean exactly what you think it does. The padlock means that data can't be stolen while it is travelling between you and the website, but it is no guarantee the information can't be stolen from the website once it gets there, or that the website itself can be trusted. That's why sometimes it is better not be to be completely honest with websites and to...
Make Up Another Identity
Make up another identity for yourself, and use it when a website requires registration. Now there are times you mustn't do this - like for an Australian Government website, an airline booking, the electric or phone company, but if this is just an online forum, or a newspaper that requires registration before it will let you read the paper then make up an identity apart from your own and use that.
You might even like to have a "standard" made up identity that you use, with a birthday you can easily recall etc.
Some of you may say that marketers need some of this information to understand who they are selling to better. Perhaps, but they only need to understand general demographics, not your exact details. If you are worried about this make the alternate identity similar to your own (born the same year, same gender etc).
Others may question the ethics of not being completely honest with websites. It's a reasonable point but consider this - if some people you didn't know came up to you in the street and asked you where you lived, and what times you were home you would probably, quite rightly, refuse to tell them.
Give as Little Information as Necessary
Most of the time when you register for an account on the website you will see that some of the fields are marked with an asterix "*" while others are not. You don't need to complete those without an asterix - you can just leave them blank.
Have a Gmail or other Temporary Email Account for Registrations
A lot of websites insist on getting your email address as part of the registration process. Don't give your real email address to these websites.
Instead, set up an email address with google mail, or some similar free email provider. In this way you will keep your real email account free of spam, and after a couple of years you can simply move onto another temporary email account if necessary.
Don't Let Websites Store Your Credit Card Details
Some websites, if you are buying things using a credit card, give you the option of storing your credit card details for your next purchase. Unless you are back there every day it is best to not store your credit card, and to simply enter it every time you need to buy goods using that site.
If a hacker breaks into that website, and steals their database, then if you have saved your credit card number they now have all the details they need to start buying goods and services using your card.
Privacy Statements are No Guarantee of Security
If you are dealing with an Australian business or organisation then they are obligated by law to comply with their privacy statement. However, if they say in their privacy statement "we will sell your information to the highest bidder" then they can sell your information to the highest bidder, and dodge the Privacy Act because they "informed" you what they were going to do. So unless you've read the privacy statement you really can't rely on it. And even if the company has the highest standards in its privacy statement, there is no guarantee their information will not be stolen.
As for overseas companies well - they might comply with their privacy statements. There might be legislation in that country that requires them to comply. But it might only require them to comply for citizens of that country, or any other of a dozen ways that they might be able to dodge their responsibility to you.
Now - it isn't our intention to unfairly characterise all businesses and organisations in this way. Many (the majority in fact) will try and look after your information. But not all of them. Even those that do try to handle it ethically are usually not well resourced enough to make sure the information is really secure. So take some of the steps recommended here to protect yourself.
In the end avoiding identity fraud is a bit like road safety - you can just be unlucky, but if you only give your real information to people who need to know it you can go a long way towards preventing this from happening to you.
Other Resources
- Stay Smart Online - Australian Commonwealth Governent - there is some useful stuff here including the Budd:e learning package for primary and secondary students.
- Get Net Wise - Site with plenty of practical help on how to keep your private information private.
- Protecting Your Information On FaceBook - If you use social networking sites you need to check (and possibly restrict) who can see the information on your facebook (and other pages).

