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Safety & Security
Shopping Tips
Online shopping can be a great solution allowing you to find the perfect gift and saving time, but it can also end with identity theft, malware, and other cyber unpleasantness. Please take a few simple security precautions to help reduce the chances of being a cyber victim.
When purchasing online keep these tips in mind to help minimize your risk:
1. Do not use public computers or public wireless Internet access for your online shopping.
2. Secure your computer and mobile devices.
3. Use strong passwords.
4. Know your online shopping merchants.
5. Pay online wth one credit card.
6. Look for "https" in the Internet address (URL) when making an online purchase.
7. Do not respond to pop-ups.
8. Do not auto-save your personal information.
9. Use common sense to avoid scams.
10. Review privacy policies.
What to do if you encounter problems with an online shopping site:
Contact the seller or the site operator directly to resolve any issues. You may also contact the following:
- Your state’s Attorney General's Office or Consumer Protection Agency
- The Better Business Bureau - www.bbb.org
- The Federal Trade Commission - https://reportfraud.ftc.gov/#/
Privacy
How Encryption Works
What is Encryption and how does it protect me?
To determine if your browser supports 128-bit encryption:
If your browser does not support 128-bit encryption, you must upgrade to continue to access the website's secure pages.
July 2005 -- Both browsers recently designated as supported for use with DI products, Firefox 1.0 and Safari 1.2, use strong 128-bit encryption when accessing secure sites, to ensure safe and secure transmittal of private data such as account and payment information. Most browsers released since 2007 support 128-bit encryption, including:Firefox and Safari browsers and DI
Or: double-click the yellow 'lock' icon in the lower right corner of the screen while connected to a secure site.
Email Scams
'Phishing' or 'Spoofing' and How to Report Phishing
What is 'Spoofing'?
We suggest reporting "phishing" or "spoofed" emails to the following groups:
'Phishing' or 'Spoofing' and How to Report Phishing
What is 'Spoofing'?
We suggest reporting "phishing" or "spoofed" emails to the following groups:
Safe Computing
The number and sophistication of phishing and spoofing scams sent out to consumers is continuing to increase dramatically. While online banking is widely considered to be as safe as or safer than in-branch or ATM banking, as a general rule you should be careful about giving out your personal financial information over the Internet. Below is a list of recommendations you can use to avoid becoming a victim of these scams:
1. Be suspicious of any email with urgent requests for personal financial information
2. Phishers typically include upsetting or exciting (but false) statements in their emails to get people to react immediately
3. They typically ask for information such as usernames, passwords, credit card numbers, Social Security numbers, etc.
4. Phisher emails typically are not as personalized and may contain spelling errors while valid messages from your bank or e-commerce company generally are accurate in the way they spell your name and your financial institution's name.
5. Don't use the links in an email to get to any Web page, if you suspect the message might not be authentic. Instead, call the company on the telephone, or log onto the website directly by typing in the Web address in your browser
6. Avoid filling out forms in email messages that ask for personal financial information
7. Only communicate information such as credit card numbers or account information via a secure website or the telephone
8. Always ensure that you're using a secure website when submitting credit card or other sensitive information via your Web browser
9. A secure Web server designation can be found by checking the beginning of the Web address in your browser's address bar - it should be "https://" rather than just http://
10. Regularly log into your online accounts
11. Don't leave it for as long as a month before you check each account
12. Regularly check your bank, credit and debit card statements to ensure that all transactions are legitimate; if anything is suspicious, contact your bank and all card issuers
13. Ensure that your browser is up to date and security patches applied; always visit your browser's home page to download the latest security patches even if they don't alert you to do so
Security Tips
To learn more about information security visit any of the following links.Mobile Device Security
Online Security
General PC Security
Passwords
Additional Resources
Identity Theft Prevention
Identity theft, in its simplest form, occurs when someone obtains and misuses your personal information without your permission, and often times without any knowledge of the activity by you. It is prudent to know about identity theft and what steps you can take to minimize your risk of potential identity theft or fraud. We recommend that you remain vigilant by reviewing account statements and monitoring free credit reports annually.
Free Fraud Alert. A fraud alert instructs creditors to watch for unusual or suspicious activity in your accounts, and provides creditors with notice to contact you separately before approving an extension of credit. To place a fraud alert, free of charge, contact one of the three national credit reporting agencies listed below. You do not need to contact all three agencies; rather, the agency that you contact will forward the fraud alert to the other two agencies on your behalf. An initial fraud alert stays on your credit report for 90 days.
Equifax
Office of Fraud Assistance
P.O. Box 105069
Atlanta, GA 30348
(888) 766-0008
TTY: (866) 478-0030
https://www.equifax.com/
Experian
Credit Fraud Center
P.O. Box 9532
Allen, TX 75013
(888) 397-3742
TTY: (800) 735-2989
https://www.experian.com/
TransUnion
Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834
(800) 680-7289
TTY: (877) 533-7803
https://www.transunion.com/
Free Credit Report
Review Your Credit Report
Credit Freeze
Additional Information