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).