Year 8 – Watch What You Click is all about making informed decisions about clicking on links


Index

1. Fraud
2. Location, Location, Location
3. Too good to be true
4. What’s the cost?


     Habit of Mind Focus #10: Gathering Data Through all the Senses

OK, you’ve been online for a few years now.  Facebook, Twitter, YouTube, Blogs; all old hat.  Now you want to buy stuff because you have a bit cash or you are getting a job soon.  If you want to buy that second hand iPhone dock on eBay, you will need a credit card.  There a so many crazy and too-good-to-be-true offers on the net it will make your head spin.  Guess what, you are not the 1 000 000 th visitor and you won’t win an iPad if you click on that shaky window.  You need to use common sense, computer the clues and data before your eyes and make sensible decisions about what you click on, or where you send your credit card and personal information, or even how you create or retrieve your password.


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Fraud

By now you think you are pretty cluey when online.  Well, let’s see. Have a go at the ACMA’s CyberSmart Teen Quiz –

How CyberSmart are you?


Well, how did you go?  Do you really know what to do when you are shopping online?

Fraud is deceit, trickery, or a breach of confidence that is set in place to obtain profit or to gain some unfair or dishonest advantage from an unsuspecting person (that’s you!).  The internet is full of fraud; people claiming to be someone they aren’t or offering services that don’t exist.  What about buying online?  You pay $300 for a new phone and it never shows up.  You thought it was too good to be true and you were unfortunately correct.

What are the Risks

According to Get Safe Online (http://www.getsafeonline.org/shopping-banking/shopping1/) the risks include:

  • Fraud resulting from making payments over unsecured web pages.
  • Bogus online stores/shops – fake websites and email offers for goods and services that do not exist.
  • Receiving goods or services which do not match the advertiser’s description.

Here are a few hints for staying safe, courtesy of the ACMA.

Know the basics

  • Use the websites of well-established, recognisable retailers.
  • Use sites that you know deliver and that fall under Australian consumer laws.
  • International websites may not be governed by Australian consumer laws.
  • Use a reputable auction site and make sure you are comfortable with how transactions work.
  • Know the cost – read the terms and conditions related to delivery charges and warranty conditions.
  • Understand the service – is it a one-off cost or an ongoing contract?
  • Know what you’re getting and when – contact the seller directly to ask questions.

Protect yourself

  • Read the site’s privacy policy.
  • Make sure that you can make a complaint or cancel an order.
  • Ask for help if you are unsure.
  • Look for the padlock symbol in the browser during the transaction process – this shows that the transaction is a secure one.
  • Know how to stop an ongoing service.

If you want to talk about a problem, you can call Kids Helpline on 1800 55 1800, visit Kids Helpline or contact theCybersmart Online Helpline service.

(Source: ACMA http://www.cybersmart.gov.au/Teens/I%20need%20to%20know%20about/Online%20shopping.aspx)

Other points to remember include:

  • Ensure that any online retailer unfamiliar to you is reputable by researching them. Establish a physical address and telephone contact details. Remember that the best way to find a reputable retailer is via recommendation from a trusted source.
  • Remember that paying by credit card offers greater protection than with other methods in terms of fraud, guarantees and non-delivery.
  • Double check all details of your purchase before confirming payment.
  • Do not reply to unsolicited emails from companies you don’t recognise.
  • Before entering payment card details on a website, ensure that the link is secure, in three ways:
    • There should be a padlock symbol in the browser window frame, which appears when you attempt to log in or register. Be sure that the padlock is not on the page itself … this will probably indicate a fraudulent site.
    • The web address should begin with ‘https://’. The ‘s’ stands for ‘secure’.
    • If using the latest version of your browser, the address bar or the name of the site owner will turn green.
  • Some websites will redirect you to a third-party payment service (such as WorldPay). Ensure that these sites are secure before you make your payment.
  • Safeguard and remember the password you have chosen for the extra verification services used on some websites, such as Verified by Visa.
  • When making a payment to an individual, never transfer the money directly into their bank account but use a secure payment site such as PayPal, where money is transferred between two electronic accounts.
  • Check sellers’ privacy policy and returns policy.
  • Always log out of sites into which you have logged in or registered details. Simply closing your browser is not enough to ensure privacy.
  • Keep receipts.
  • Check credit card and bank statements carefully after shopping to ensure that the correct amount has been debited, and also that no fraud has taken place as a result of the transaction.
  • Ensure you have effective and updated antivirus/antispyware software and firewall running before you go online.
(Source: Get Safe Online (http://www.getsafeonline.org/shopping-banking/shopping1/)

For more detailed information on Auctions, Banking, Buying Tickets, Travel Booking, Online Payments, Passwords and Shopping check out Get Safe Online’s comprehensive guide.


This video gives some great tips about online commerce


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Location, Location, Location

It is sometimes handy to display the location of the cool photo you took with your phone, or where your favourite beach is, or where you are going to be in an hour, or where you are right now.  BUT, if you are not careful, anyone can access this information and do things like break into your house when you aren’t there or even kidnap you.  Don’t laugh – it happens.

So, you need to know how to control the information contained in your geo tagged photos and the gps in your phone.

Geo Tagging

What is it?  Watch this and find out …



The CyberSmart Team offers some great hints about Location Based Services

Know the basics

  • Geolocators can be switched off – go into your phone settings and switch off location services on your handset.
  • Checking in from your smart phone tells people where you are and what you’re doing.
  • Checking in also lets people know where you aren’t.
  • Be aware of how the information might be used by online friends that you don’t know in the real world.

Protect yourself

Who knows where you are?

  • Turn off the geolocator unless you absolutely need to use it.
  • Make sure that your location is only visible to friends you know in the real world.
  • Double check your privacy settings so that if you do share location information it’s really only going to the people you want it to.
  • Check that the service doesn’t also show your details to those near-by who you might not know.
  • If you have problems while using a service, report it to the service provider
  • If you feel unsafe while you’re at a particular location contact the police.
  • If in doubt, don’t check in.
(Source: 
ACMA http://www.cybersmart.gov.au/Teens/I%20need%20to%20know%20about/Location%20Based%20Services.aspx)

So, how do you turn GT off? Check out I Can Stalk You for a good guide to iPhone and Androids.  This SlideShare was made by the US Army to help their soldiers conceal their whereabouts.  It has some advice about location based websites (starting at Page 8) …



If you are a Facebook user, you need to know that you have options here too.  This Share Where You Are page will talk you through your options.


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Too good to be true

The saying ‘Too good to be true’ is an old one and a very accurate one. If something looks too good to be true, it probably isn’t true. There are so many different e-Scams out there that you have to be vigilant 24/7 to keep your privacy and finances safe. Here are some popular scams:

email – You get an email in your inbox, from an address you don’t know telling you something like:

  • A person you don’t know has died and left you $ 1 000 000. COOL!!! Send $ 10 000 to this bank account and you will receive your money …
  • You won the lottery. AWESOME!!! Send your bank details and we will put the winnings into your account …
  • Send this email on to 300 people in 30 seconds and you will find the partner of your dreams who will own a money factory and marry your in a church made of gold. NICE!!!
  • That parcel you didn’t know you ordered is on its way. SUPER!!! Send $ 20 to this bank account before it arrives and a rainbow will appear in your kitchen …

Guess what.

  • NO ONE IS GOING TO GIVE YOU WADS OF CASH FOR NOTHING!!!
  • NO ONE WILL BLOW UP IF YOU DON’T FORWARD THAT EMAIL!!!
  • IF YOU DON’T KNOW WHAT AN EMAIL IS TALKING ABOUT, IT IS A SCAM!!!
  • MY CAPS LOCK IN ON!!!

Sorry, but you get the picture, don’t you?

This video has some more examples …



So, if you want to avoid getting burnt, maybe just copy and paste a line from the email into Google Search and see what comes up. It will probably some quite a few hits linked to websites warning you about the scam.

Phishing and Spam

What is phishing? Well, I’ll tell you in Plain English …



So you can see, phishing is pretty sophisticated and will catch you out if you are not vigilant. Here are some phishing tips to stay safe:

Managing scams, spam and phishing

Spam is an unsolicited commercial electronic message sent to you to try to get you to go to a site or take part in an email scam.  This video shows real examples:



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What’s the cost?

Credits Cards are soooo cooool. You’ve got all this money and you can just spend and spend and spend and …

Well, not quite. You  eventually have to pay off those debts with your actual money.  If you don’t pay if off in time, you have to pay off even more money called interest.  That interest is usually about 17% of your debt at the end of each month.  It is easy to get in a very big hole very quickly. This video gives a simplistic explanation of paying of a credit card by paying the minimum amount.



Having your credit card linked to your smart phone can also cause ‘bill shock’.  You can inadvertently use more than your allocated amount of data, msgs and voice calls, thereby incurring HUGE costs in the hundreds or even thousands of dollars.  Regularly check your usage and, depending on your provider, limit your data usage in roaming zones.  Often your data is an extra charge in these areas.



Credit Card Fraud

It can be easy for internet fraudsters to steal your credit information if you aren’t vigilant.  Scamming, spamming and phishing are just some of the ways they do it.  The FBI has some tips for avoiding CC Fraud:

Tips for Avoiding Credit Card Fraud:

  • Don’t give out your credit card number online unless the site is a secure and reputable. Sometimes a tiny icon of a padlock appears to symbolize a higher level of security to transmit data. This icon is not a guarantee of a secure site, but provides some assurance.
  • Don’t trust a site just because it claims to be secure.
  • Before using the site, check out the security/encryption software it uses.
  • Make sure you are purchasing merchandise from a reputable source.
  • Do your homework on the individual or company to ensure that they are legitimate.
  • Obtain a physical address rather than simply a post office box and a telephone number, and call the seller to see if the telephone number is correct and working.
  • Send an e-mail to the seller to make sure the e-mail address is active, and be wary of those that utilize free e-mail services where a credit card wasn’t required to open the account.
  • Consider not purchasing from sellers who won’t provide you with this type of information.
  • Check out other websites regarding this person/company.
  • Don’t judge a person or company by their website. Flashy websites can be set up quickly.
  • Be cautious when dealing with individuals/companies from outside your own country.
  • If possible, purchase items online using your credit card, because you can often dispute the charges if something goes wrong.
  • Make sure the transaction is secure when you electronically send your credit card number.
  • Keep a list of all your credit cards and account information along with the card issuer’s contact information. If anything looks suspicious or you lose your credit card(s), contact the card issuer immediately.
(Source: FBI http://www.fbi.gov/scams-safety/fraud/internet_fraud)

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