It’s that time of year again – mulled wine, pine needles, cuddly sweaters, and maybe even some snow?! Businesses are taking a more laid-back approach as the festivities beckon, and people around the world are hoping that, despite the ongoing pandemic, the holiday this year will be an improvement from 2020.

As well as being a time of enjoyment, we all know that this time of year can cause quite a large dent in our wallets. Parties, family activities and gift-buying all add up – and then the shopping sales start again!

We’ve lined up a few ways in which you can make sure that this Christmas period is a care-free one:

**🎁 Is it the genuine article?**

While you’re going through your Christmas shopping list, you may see ads that offer expensive items for a much lower price. Make sure you triple-check the retailer’s credentials before you buy: If the price is too good to be true, it could be a scam – and either you’ll never see that item, or what you receive will be a cheap knock-off.

**🎁 Shipping notifications**

Having bought your Christmas gifts online, be aware of any shipping notifications you may receive that ask for addtional personal information or extra fees. Alerts like this could be an attempt to scam you. It’s also a good idea to make note of your tracking numbers when you make purchases – that way, you can see where in the process your package is, and you’ll be able to spot the scam straight away.

**🎁 Email phishing**

If you are in any doubt whatsoever about an e-mail you’ve received and think it might be a [phishing](https://cyberpedia.reasonlabs.com/EN/phishing.html) attempt – whether it’s from a retailer, charity, or financial institution – mark it as [spam](https://cyberpedia.reasonlabs.com/EN/spam.html) or junk.  It’s far better to take the time to call the customer service hotline from the official website to clarify an issue, rather than respond to e-mails with suspicious addresses.

**🎁 Prizes**

You’re probably seeing lots of seasonal messages popping up on your social media feeds – but some of these “You’ve Won!” pop-ups want you to click on links that can then infect your device with malware. So if you didn’t consciously enter an official prize draw – don’t click! The same goes for “Free Gift Card’ offers in exchange for personal details – this is most likely another scam attempt on the unsuspecting Christmas shopper.

**🎁 Charitable Donations**

If you are donating to charities during this holiday season, make sure your money is going straight to the charity or person in question. There are many hoax requests for donations, so while giving generously is undoubtedly a lovely thing to do, research the charity, link, or ad before you hand over any financial details.

We’ve all grown up with the age-old adage ‘you learn from your mistakes’ – but hopefully, you’ll be able to avoid making any of these this festive season! 

Merry Christmas! 

It’s that time of year again – mulled wine, pine needles, cuddly sweaters, and maybe…

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Jingle Bells Are On Their Way! Beware Of These Christmas Scams

With Cyber Monday looming, and ads galore headed our way, we know that we can be easily enticed with an ‘Amazing!’ or ‘Fantastic!’ offer. But as with any online activity, there are things to be aware of when shopping online. Scams, theft, phishing and adware are unfortunately extremely common, especially during this hyped-up shopping period.

We’ve gathered together some tips to help you safely navigate the online shopping experience:

🛒 **Warning signs**: Are you shopping on a legitimate site? If the online retailer does not provide adequate information about privacy, terms and conditions of use, dispute resolution or contact details, it may be a scam site. 

🛒 **Payment protection**: Using a third-party service like PayPal or Google Pay offers the consumer an added layer of payment protection. It also adds security against fraudulent purchases. Something else to watch out for: If the seller does not allow payment through credit card transactions or a secure payment service, they may not be genuine.

🛒 **Review your cart**: Always double-check your cart before you click ‘Buy’ – especially figures such as quantity and shipping amount. This is where errors often occur – so a thorough check can lead to less stress later. 

🛒 **Avoid scams**: A site can request additional purchases or subscriptions in order to complete a purchase. This trick is particularly common for sites that offer music downloads, so it’s worthwhile doing a comparison shop on other sites so you can make smart decisions. Phishing scams are also prevalent on shopping sites: if you receive a promotional offer via email that might look questionable, don’t click on it. Go to the company’s website first, look for the deal there and check that it’s a genuine offer.

🛒 **Personal details**: Online shopping requires using a bunch of important personal details, including address and payment information. Be cautious when giving out this information, as it can lead to identity fraud. It details exactly where others can find you, and provides account information. Legitimate vendors should not be asking for more than the standard info. It is also advised to stay away from sites that request data such as Social Security numbers. 

🛒 **Your location**: Be careful where you are doing your shopping! Although you may generally enjoy online shopping from the comfort of your sofa, a product may also catch your eye on a portable device while you’re out and about. Remember to only use secure Internet connections, or a VPN like [RAV VPN](https://reasonlabs.com/platform/products/vpn), even when using sites you trust. Use antivirus software such as [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) to catch files that can steal information, or track your browsing history and key entries. Also check to see if the website itself is secure – the URL should start with “https” and there should be a closed padlock icon next to it.

🛒 **Keep information private**: Getting personal information from social networking sites is an easy hack for cybercriminals. To prevent this from happening, never link buyer accounts to sites that hold personal information, such as Facebook.

It’s wonderful to live in an age where we can make purchases at the click of a button – but it’s crucial not to get carried away. This Cyber Monday, make sure you adopt safe practices so that you and your loved ones can enjoy the benefits of the online shopping experience without any nasty side effects. Passing on these top tips to other members of your household, including kids and teens, will also help raise cyber awareness with online purchases. So stay safe, stay secure, and shop wisely.

**Happy Shopping!**

With Cyber Monday looming, and ads galore headed our way, we know that we can…

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Cyber Monday: The Online Shopper's Dream! But Are You Shopping Securely?

You’ve probably all seen the announcement that October is ‘National CyberSecurity Awareness Month’ – and more than one of us must be thinking, surely ‘National CyberSecurity Awareness _Day_’, right? Why would cybersecurity need a whole _month_? Is the gaping hole in the average person’s awareness enough to warrant a whole month of conferences, lectures and how-to videos?

The hard-bitten truth is, hardly a day goes by without a new cybersecurity threat emerging somewhere in the world. For many people, as long as they have a stable internet connection and the ability to hook up to social media and a GPS app on a daily basis, intricate cybersecurity doesn’t really feature on the radar. 

In the last few weeks alone, we’ve seen major networks such as Facebook, Whatsapp and Instagram facing cybersecurity-related difficulties. Meanwhile, company employees working remotely due to the ongoing pandemic continue to be a target for cyber criminals. In fact, new data released this month by Check Point Software Technologies shows that on average, 497 North American organisations are attacked per week.

All over the world, companies and individuals are being hit by cyber attacks – but unless you are actively scouring the net for these headlines, the likelihood is that you aren’t even aware of them happening.

## Did you know:
- There’s a new Trojan malware FontOnLake that’s attacking Linux systems in Southeast Asia?

- Colonial Pipeline, the pipeline company which was attacked last month causing gas shortages across the US East Coast, has admitted that the hackers were able to get into the system by stealing a _single_ password?

- Live streaming site Twitch, owned by Amazon, has had a major security breach, resulting in sensitive data being posted online after a hacker accessed their servers?

The more cyber attack stories you try to search for, the more you’ll find – until it seems as though just about anyone can break through a security wall these days. One of the most shocking new factors to emerge where cybersecurity is concerned has occurred in Springhill Medical Centre in Alabama, US, which is currently being sued for the first death following a ransomware attack on the hospital’s computer system.

Simply put: there’s never been a more crucial time to make sure you’re ahead in the cybersecurity game. Monetary loss and identity theft – these are the factors most normally associated with cybersecurity. But now hackers are attacking hospital’s computer systems and causing _deaths_? This is a new territory – one which we can only hope gets nipped in the bud before any roots take hold.

So yes, cybersecurity awareness is of critical importance – hence the CISA’s (Cybersecurity & Infrastructure Security Alliance) awareness campaign, to provide tips and resources which will educate people in how to make informed decisions while online, and protect their families and friends.

## Where do you start?

Whether you’re a business owner with a large network to secure, or a homeowner looking to protect your private PC and personal phone, you need to find the cybersecurity package that works for you. ReasonLabs Cybersecurity Inc. is emerging as the latest in cybersecurity software. Having now joined the Microsoft Intelligent Security Association (MISA), we are at the frontier in the fight for global cybersecurity. Our multilayered machine learning engine has the ability to scan billions of files at any given time, in order to predict, prevent and protect against viruses and malware. 

What stands out the most though is our dedication to providing enterprise-grade protection for _every user_. It doesn’t matter if you are CEO of the largest multinational company, or a toddler playing on an Amazon Fire tablet – ReasonLabs can provide every user with the highest possible levels of protection. How many private users up until now can confidently claim that they’re getting the same level of protection as a corporate system? The enterprise-grade defense provided by ReasonLabs will completely change the way in which a private user can take ownership of their personal right to top-of-the-range cybersecurity.

## What are the essential antivirus components I need?

The average device needs these main components to deter the most basic threats:
- Next-generation antivirus software
- Anti-malware
- Endpoint detection and response (EDR)

ReasonLabs has developed all of the above for the RAV Essentials suite – as well as the options to upgrade to the Premium or Elite suites.

## What makes ReasonLabs the BEST antivirus provider?

There are two more important components that need a mention at this point:

- **Endpoint Protection** - RAV Endpoint Protection is the only next-generation antivirus solution built to eneterprise standards for consumers
- **Virtual Private Network** - ReasonLabs’ newly developed [RAV VPN](https://reasonlabs.com/platform/products/vpn) as part of their [RAV Elite](https://reasonlabs.com/platform/packages/elite) suite effectively supports the most sophisticated authentication methods.

- **DNS filter** - [Safer Web](https://reasonlabs.com/platform/products/safer-web) defends against malware and phishing, blocks unwanted ads, protects your privacy, and Offers family protection.

## The Bottom Line

The past year and a half has been one of the most difficult periods in our lives. With the world in and out of lockdown, people have turned to the Internet to stay in contact with loved ones; conference call apps like Zoom, Microsoft Teams and Google Hangout have been working non-stop; and online use for entertainment purposes has soared.

It would be remiss not to up your cybersecurity game; it would be negligent to assume you and your devices are too small a fish to be a target. October 2021 is the world’s collective time to raise awareness and protect our global cyberspace. 

In the words of Stephane Nappo, Global Head of Information Security for SocGen: “Cybersecurity is much more than an IT topic.” The more cyber aware we become, the more the battle gets fought, and the safer we will be. Now that ReasonLabs Cybersecurity has brought their cutting-edge technology to the fore, efforts to protect even the most vulnerable user can and must be maximized.

For further information on advanced cybersecurity protection, see more on our website at: [www.reasonlabs.com](http://www.reasonlabs.com)

You’ve probably all seen the announcement that October is ‘National CyberSecurity Awareness Month’ – and…

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Be Cyber Aware: Where Do You Find the Best Antivirus in Oct 2021?

It’s Halloween this week – a time for people to dress up in scary costumes, for kids to go ‘trick or treat’-ing, and generally just another excuse to have a party.

In the age of technology, the fear out there isn’t ghosts, witches, demons and goblins – but there are other threats in our daily lives which, like ghosts, we can’t actually see with the naked eye, but they are there all the same. 

In the past, society feared what it couldn’t see and didn’t understand. Nowadays, we may not be able to physically see a computer virus – but we can sure as hell do our part to recognize it and protect our devices before it’s too late. The tech guys amongst us may be able to explain to you how they originate – for the rest of us, it’s more a matter of being savvy enough to stop these cyber demons in their tracks.

## So what kind of evil spirits are we looking out for?

👿 Virus – This sneaky computer program known as a [virus](https://cyberpedia.reasonlabs.com/EN/virus.html) replicates itself by modifying other computer programs and inserting its own code. 

👿 Ransomware – A type of malware that encrypts files so that databases and applications can’t be accessed, and then holds a victim’s information ‘for ransom’. [Ransomware](https://cyberpedia.reasonlabs.com/EN/ransomware.html) is a growing threat, inflicting damage and expenses for businesses and governmental organizations.

👿 Phishing scams – Scammers use [phishing](https://cyberpedia.reasonlabs.com/EN/phishing.html) emails or SMS to trick you into giving them your personal information, by disguising themselves to look like they’re from a company you know or trust. They may try to steal your passwords, account numbers or Social Security numbers. If they gain access to your personal information, they can hack your email, bank, social media or other accounts.

👿 Trojans – Like its historical namesake, [Trojan](https://cyberpedia.reasonlabs.com/EN/trojan.html) [malware](https://cyberpedia.reasonlabs.com/EN/malware.html) disguises itself as a legitimate file or application, but is actually designed to take control of your computer. It tricks you into loading and executing the malware onto your device. Once installed, it can disrupt, damage, steal or inflict other harmful actions on your data or network.

👿 Spyware –  A version of malware that secretly gathers information about a person or organization and relays this data to other parties. [Spyware](https://cyberpedia.reasonlabs.com/EN/spyware.html) can install itself on your computer and secretly monitor your online behavior, without your knowledge or permission.

👿 Worm – A self-replicating, self-spreading, malicious program that is able to copy and spread itself without the help of any other program. A [worm](https://cyberpedia.reasonlabs.com/EN/worm.html) can exploit security flaws or holes in software or operating systems, and replicate itself very quickly from a single copy. Worms can delete files on a system, slow down network traffic or send infected documents by email. 

👿 Adware – It’s not quite a virus and it may not be obviously malicious, but it’s still irritating.  [Adware](https://cyberpedia.reasonlabs.com/EN/adware.html) programs generate pop-up ads, can change your browser’s homepage, add spyware and bombard your device with advertisements. Adware can also cause long-term issues for your device.

Unfortunately, the list actually goes on, as more cyber threats mutate and develop, and cybercriminals become craftier. The best way to protect you, your family, your devices and your business this autumn is to get the best cybersecurity protection possible. ReasonLabs, with its promise of enterprise-grade protection for every user, should be your first port of call. Our next-generation antivirus program [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection), predicts, prevents and protects against all these cyber threats and many more.

## So how can you outsmart these clever cyber disguises?

🎃 Install the best antivirus – ReasonLabs [RAV Endpoint Protection ](https://reasonlabs.com/platform/products/endpoint-protection) is a great option for immediate cybersecurity protection.

🎃 Do not open emails, attachments or messages that look suspicious!

🎃 Do not supply any personal information – remember, your bank would never ask for your account number, Social Security number, name, address or password in an email or text message.

🎃 Do not use unknown USB sticks – never connect USB sticks or other storage media to your computer if you don’t know where they came from. 

🎃 Always use a VPN service likr [RAV VPN](https://reasonlabs.com/platform/products/vpn) on public Wi-Fi networks, and avoid using public Wi-Fi for sensitive transactions.

At the spookiest time of the year – choose to be cyber smart for a secure, fright-free holiday! For more information, learn about our cybersecurity packages at: [www.reasonlabs.com](http://www.reasonlabs.com)

It’s Halloween this week – a time for people to dress up in scary costumes,…

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Don’t Get Spooked: How to Recognize Cyber Demons Before They Find You!

The technology for virtual private networks (VPNs) like [ RAV VPN ](https://reasonlabs.com/platform/products/vpn)dates back to 1996 when Microsoft employees created point-to-point tunneling protocol (PPTN), the precursor to today’s VPN. Initially, VPNs were used primarily by businesses. 

In the early 2000s, however, as the general public started using the Internet more and the number of high-profile security breaches grew, VPN use surged amongst individual users concerned about securing their private data. 

Today, businesses and users are increasingly using VPNs to protect their privacy. If you value your online privacy too, keep reading for the who, what, where, when, why, and how of VPNs.

## The Who

The who question is probably the easiest to answer. You. Your business. And anyone who uses the Internet. If you’re on the Internet and value privacy and data security, you should have a VPN. Period.

## The What

A VPN creates a private network for your computer while you’re using a public Internet connection. It achieves this by creating an encrypted connection over the Internet from your device to a network. The encrypted connection is what gives you privacy and anonymity while you surf the Web. 

## The Where

There are three answers to ‘where’:

- **Installation:** Once you’ve decided on a VPN service, you need to install your VPN on your devices or your router. Once installation is complete, you can start using your VPN online, confident in the knowledge that your online activity is virtually untraceable and your privacy is protected. 

- **Location:** You’re hidden. VPNs encrypt your location and the data you send and receive, so your physical location and IP address remain hidden.

- **Content:** Everywhere. A VPN can bypass regional restrictions so you can have access to content from almost anywhere in the world.

## The When

Another easy question. The answer is yesterday. Like we said, if you use the Internet, you should use a VPN. Period. 

## The Why

There are many benefits to installing a VPN. Here are some of the most important:

- **Applications and websites** can track your online activity without your knowledge. A VPN hides your online identity and keeps the data you send and receive secure and anonymous.

- **Data throttling** happens when your Internet service provider (ISP) slows your service down because you’ve consumed a specified amount of data. Bandwidth throttling occurs when your ISP slows your Internet speed in its efforts to control network traffic and bandwidth congestion. A good VPN can prevent data throttling and bandwidth throttling.

- **Some sites and services don’t permit users from other regions to access their content**. A VPN can bypass geographic restrictions and give you access. 

- **VPNs make scaling a network more affordable** for businesses because they can provide network access to many employees, including remote employees, simultaneously. VPNs can also reduce maintenance costs since support can be outsourced to third parties services. 

- **VPNs improve online gaming** by reducing ping, ensuring safe rerouting, and providing access to the best game torrents.

- **VPNs give you access to deals on products** and services that would normally be blocked due to geo-restrictions.

## And the How

And lastly, the ‘how’ of VPNs: how to choose a VPN. To get the best VPN, look for the following features:

- **a high number of servers** in strategic locations around the world;

- **a VPN protocol such as OpenVPN** that provides a good balance between a fast VPN speed, security, and reliability;

- **the ability to bypass bandwidth** and data throttling;

- **the ability to connect** at least five devices simultaneously;

- **a no-log policy**, so your browsing activity, online transactions, or payment information is not logged or tracked; 

- **automatic filtering** and blocking of malicious websites;

- **a ‘kill switch’** to prevent your data from being accidentally exposed even if the connection to your VPN provider’s server drops.

- **online privacy, security, and freedom**

VPNs are about three things: securing your data, protecting your privacy, and fair, unobstructed browsing. In the modern, connected world of today, VPNs are a necessity.  We need a say-so over who collects our data and how we protect ourselves from cybercrime. And we deserve access to content despite different geographic locations. VPNs grant us these capabilities.

## About RAV VPN

[RAV VPN](https://www.reasonsecurity.com/en-WW/vpn/home?utm_source=Blog) provides safe, private, and unlimited Internet access. With Reason VPN you can protect your online privacy while freely and safely surfing the Web. All transferred data is encrypted using the latest security protocols. Just enjoy a trouble-free VPN experience. Connect quickly and easily.

The technology for virtual private networks (VPNs) dates back to 1996 when Microsoft employees created…

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VPNs: Who? What? When? Where? Why? And How?

One manifestation of freedom is the privilege to be a small business owner. Freedom and independence allow small business owners to decide how their business will operate and grow, how it will be managed, who will be its target market, and how it’ll compete in the marketplace. As an independent business owner, you make your own decisions, and your business is free from outside control. This freedom is the hallmark of small business ownership.  

But what happens when that business independence is taken away from you? What happens when something impinges on your ability to run your business as you see fit? Regulations, insufficient staff, financial risk, and time management issues are all part and parcel of the acceptable challenges that affect small and medium-sized businesses (SMBs), but there’s also something far more nefarious, far more dangerous, and potentially far more damaging that can affect your business. It’s called cybercrime, and it can take away your business independence and freedom to operate as you choose. 

## A bullseye on their backs

Today cybercrime is the fastest growing crime in the US, with damages expected to reach $10.5 trillion worldwide by 2025. If measured as a country, cybercrime would be the world’s third-largest economy, right after the US and China. And the primary target of all that cybercrime is businesses. Businesses have the proverbial bullseye painted squarely on their backs, making cybercrime one of their biggest threats. Cyber attacks can damage and destroy data, cause financial loss, diminish productivity, steal intellectual property, and personal and financial data, hack data and systems, harm business reputations, and disrupt the ordinary course of business operations. Sometimes the attacks can even cause the permanent closure of a business; sixty percent go out of business within six months of falling victim to a data breach. 

## SMBs more vulnerable

Compounding the problem for SMBs is that they are more vulnerable compared to large enterprises. SMBs typically have less financial power to combat attacks, a minimal number of employees delegated to IT tasks, many without proper training, a lack of awareness about cyber threats and security issues, insufficient defenses, and a treasure trove of valuable data. Cybercriminals know all this; they’ve been paying attention. 43% of cyber attacks are aimed at SMBs.

## So how can businesses protect their independence?

The bottom line is that, while navigating business growth, finances, and networking, small business owners must also protect their businesses’ data and systems. Implementing and enforcing the following cybersecurity best practices is where to start:

- **Install comprehensive endpoint security** - Endpoint security such as [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) will protect business networks and endpoints from cyber attacks and malicious activity.

- **Raise awareness.** - Knowledge and awareness is the best defense. Employees should be made aware of cyber threats and trained how to spot potential scams and avoid suspicious emails and links.

- **Implement proper password protocol.** - Good password hygiene offers excellent protection. Never share passwords, make all passwords unique, create passwords that are at least 12 characters long, and use a mix of uppercase and lowercase alphanumeric characters as well as special characters.

- **Keep software updated.** - Software updates often contain patches to known software vulnerabilities. Keeping your software updated patches those vulnerabilities.

- **Use a VPN.** - Leveraging a virtual private network like [RAV VPN](https://reasonlabs.com/platform/products/endpoint-protection) will keep you safe while connected to public and private Wi-Fi networks.

- **Restrict employee access.** - Access to data and systems should be restricted and it should be granted to employees according to the role they have at your organization.

## You’ve earned it; now you’ve got to protect it

In many ways, small business owners have a special reason to celebrate the 4th of July; small business ownership and the independence to operate and grow it is at the core of the American Dream. However, in today’s hyper-evolving cyber threat landscape, it’s not enough to just earn your business independence; you must constantly protect it too. By implementing and enforcing the cybersecurity measures listed above, business owners can help protect the business independence they’ve strived so hard to achieve.

One manifestation of freedom is the privilege to be a small business owner. Freedom and…

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Independence Day: Cybersecurity Brings Independence to SMBs

The Personal Rights in Defense and Education (PRIDE) movement has made significant progress in raising awareness about the rights of the LGBTQ community and the issues they face. Like many marginalized communities, one of those issues is bullying and cyberbullying in particular. In a recent survey by the Anti Defamation League, 64% of the LGBTQ respondents said they’d been harassed online. LGBTQ-identifying individuals are also more likely to suffer from severe forms of online harassment such as the online distribution of humiliating photos, lies, and falsehoods.

Furthermore, a recent survey on cyber bullying reported that 73% of LGBTQ individuals have experienced abuse online and 50% have experienced sexual harassment online. Other forms of cyberbullying include trolling, exclusion, outing, cyberstalking, and more. Nor are these threats limited to certain regions; cyber threats to LGBTQ individuals are a global problem, affecting LGBTQ communities worldwide.

## Digital threats don’t stop at cyberbullying

Yet, digital threats to the LGBTQ community are not limited to cyberbullying. Many dating apps that are popular with the LGBTQ community, for example, are associated with a high degree of security risks. **The OkCupid**, **Grindr**, **SCRUFF**, and **HER** dating platforms have known security risks that have put their members’ data in danger of compromise. 

In fact, online dating platforms have a history of being hacked. Back in 2012, an Australian hacker managed to expose the personal information of hundreds of thousands of users on the popular LGBTQ dating site, Grindr. Nine years later, the attacks on LGBTQ dating sites continue. In April 2021, the gay dating app, Manhunt, was hacked and over 600,000 users were affected.

Once compromised, the data, which includes account credentials, profile details, and information about personal interests and habits, can be sold for profit on the Dark Web, used to publicly embarrass the owner of the data, or used for identity theft, extortion, catphishing, and more. Sometimes the attacks lead to irreparable damage to family relationships, employment, and friendships. Furthermore, the exposure of this data can be life threatening for LGBTQ-identifying individuals that live in regions where their lifestyle is stigmatized or illegal. Not surprisingly, 27% of LGBTQ individuals say they feel unsafe online.

## Taking cyber protection to a new level

Preventing cyber attacks and online harassment can only be achieved with digital security, and digital security starts at home with the cybersecurity measures listed below:

- **Install antivirus (AV) software.** Install AV software like [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) to detect and block malware, viruses, ransomware, and other cyberthreats. Look for one with camera and microphone protection that can stop hackers from spying on private conversations. 

- **Follow best password practices.** Create unique passwords that are at least 10 characters long and made up of upper and lowercase alphanumeric characters and non-alphanumeric characters. And never share passwords.  

- **Keep your software updated.** Don’t ignore software updates. They often include patches for software vulnerabilities. Also, make sure the AV software you install updates automatically so that it uses the most current virus database.  

- **Avoid public Wi-Fi.** Hackers can use the open nature of the network to capture your email address, phone numbers, credit card details, and other private information. If you must connect to a public WiFi, use a virtual private network (VPN) like [RAV VPN](https://reasonlabs.com/platform/products/vpn).  

- **Review your privacy settings and policies.** Check your privacy settings on social networks and adjust them to security levels that are comfortable for you. And before you download an app, review its privacy policies to understand how and what personal data is accessed and shared.  

- **Secure your phone.** Use a passcode or touchID, if available, to secure your phone. Proactively manage which applications have access to your location and when your location services are turned on.  

- **Share cautiously.** Never share personal information or images unless you’re okay with them being shared with large numbers of people.  

- **Connect carefully.** Be careful about connecting with people online that you don’t know. Not everyone is who they claim to be; some may just be trying to scam or victimize you.

## PRIDES: Personal Rights in Defense, Education, and Security

While anyone that uses the Internet is at risk of cyber attacks, marginalized communities like the LGBTQ community are at an even greater risk. This reality underscores the urgent need for members of this community to be cyber aware and cyber secure. Perhaps instead of PRIDE for Personal Rights in Defense and Education, in today’s digital world, a more appropriate acronym is PRIDES: Personal Rights in Defense, Education, and Security.

The Personal Rights in Defense and Education (PRIDE) movement has made significant progress in raising…

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The LGBTQ Community Faces New Cyber Threats 

When someone invests in a new device - be it a new laptop, desktop computer, mobile phone, tablet, or other - usually the first port of call is to set it up with their personal details, favorite apps, and necessary programs. But adding an antivirus to your device must also be part of your initial setup. There are many many types of devices out there but this article is going to take a look specifically at which is the best antivirus for HP laptops.


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## Antivirus for HP laptop

Statistica [reported](https://www.statista.com/statistics/298967/pc-shipments-worldwide-hp-market-share/#:~:text=In%20the%20first%20quarter%20of,vendor%20overall%20behind%20only%20Lenovo.) that HP’s laptop shipments accounted for 21.8% of global notebook shipments in the 1st quarter of 2023, making it the second largest PC vendor overall, behind only Lenovo. In terms of cybersecurity protection, HP laptops are no different than other laptops or PCs - all computers and laptops need cyber protection. 

## Why use antivirus software for laptops?
Using antivirus software is essential for maintaining the security of your laptop and protecting it from various online threats. It helps ensure the safety of your personal data, prevents malware infections, and provides peace of mind while using your laptop for various tasks. Antivirus software for laptops carries out several important functions:

- **Protection against malware**: Antivirus software for laptops is designed to detect and remove various forms of malware, including viruses, worms, Trojans, ransomware, spyware, and adware. These malicious programs can infect your laptop and compromise its security, steal sensitive information, or disrupt its functionality. The best antivirus software for laptops will help to identify and remove such threats, keeping your laptop and data safe.
- **Real-time scanning**: Antivirus protection for laptops typically includes real-time scanning capabilities, which means it constantly monitors your laptop for any suspicious activity or files. It can detect and block malware as soon as it enters your system, preventing it from causing harm.
- **Web browsing protection**: The best antivirus for laptops will include web browsing protection features, such as safe browsing extensions or browser integration. These features can help identify and block malicious websites, phishing attempts, and other online threats, providing an additional layer of security while you browse the internet.
- **Email and file scanning**: Security software for laptops should also have the ability to scan your emails and files for any potential threats, detect infected attachments or malicious links in emails, and help you avoid opening or downloading malware-infected content. An antivirus will also scan files on your laptop, including downloads, documents, and external storage devices, to ensure they are free from malware.
- **System performance optimization**: Antivirus protection for laptops can also include additional features to optimize your laptop's performance. For example, identifying and removing unnecessary or suspicious files, cleaning up temporary files, and managing startup programs, leading to improved system speed and efficiency.

## Security for my laptop

While there are several reputable antivirus software options available for HP laptops, the choice of antivirus laptop security software ultimately depends on your specific needs and preferences. In order to know which antivirus is best for an HP laptop, you need to know what features to look for in HP antivirus software and HP malware protection. These features have been listed and briefly described below.

## What to look for in HP laptop security

- **Usability**: Look for laptop protection software with a user interface that is straightforward, uses universally understood icons, has simple-to-execute scans, and easy-to-understand reports.
- **Detection rate**: Detection rates can vary depending upon whether the laptop antivirus software is run online or offline, but in general, today’s antivirus software should provide at least a 99% detection rate - so don’t settle for less.
- **24/7 real-time protection**: The best antivirus software for laptops offer real-time scans that run continuously in the background, checking all your files. If any malware is detected, the antivirus should update you and then remove or quarantine it, depending on your software settings. 
- **Compatibility**: Choose antivirus software for laptops that don’t conflict with other programs installed on your computer. Whatever operating system or anti-malware tools you have on your system, make sure the antivirus you choose is compatible. 
- **Minimal impact on system resources**: Antivirus solutions place a demand on a computer’s resources, but that demand should not affect your system’s performance in any noticeable way. It should be able to run quietly in the background, checking for viruses and threats, notifying the user if any are found, and removing or guaranteeing them to prevent damage. For example, [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) by ReasonLabs is a very lightweight program and can run on your device without slowing down other programs - unlike other AVs.
- **Multilayered protection**: The best virus protection for laptops relies on more than just real-time scanning and a virus signature database for detecting malware. The best laptop antivirus software also uses additional detection technologies so they can guard against new and emerging threats too. Behavioral and heuristics-based detection are two of the most effective methods for detecting unknown threats. Combined with real-time scanning, behavioral and heuristics-based detection technologies provide much-needed comprehensive threat detection.
- **Privacy policy**: Antivirus companies are businesses too, and as such, some succumb to the practice of selling your personal information. It is absolutely critical, therefore, that you first make sure that your antivirus company will not share or sell your private data. If you’re not sure about the answer, it’s worth a call to tech support to find out.

<ButtonImage
  buttonLabel="Check Now For Free."
  text="Worried about online scams or hackers getting into your HP device? Take our FREE Security Quiz to find out how safe you are online."
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/>

## The best antivirus for my laptop

Now that we’ve established what you should look for in an antivirus, and why, it’s clear to see that using a top antivirus for laptops will offer the best level of protection against cyber threats. [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) by ReasonLabs is a next-generation antivirus solution designed to provide advanced security and protection for your HP laptop. RAV Endpoint Protection uses sophisticated algorithms and behavioral analysis to detect and identify both known and unknown threats. It can detect various types of malware, including viruses, ransomware, Trojans, and other malicious software that may attempt to compromise your system.

RAV Endpoint Protection continuously monitors your system's activities in real-time, allowing it to detect suspicious behavior and potential threats as they happen. This proactive approach helps to prevent attacks and minimize damage before they can cause significant harm. RAV Endpoint Protection offers comprehensive endpoint visibility, providing detailed insights into the security posture of your HP laptop. It allows you to monitor network connections, running processes, file activity, and other system-level events, giving you a clear picture of potential security risks. Additionally, RAV includes webcam and microphone security, helping to minimize the number of possible entry points for attackers.

It's worth noting that while RAV Endpoint Protection can enhance your laptop's security, it's important to consider it as part of a layered security approach. This means combining it with other security measures such as regular software updates, using strong passwords or a password manager, and practicing safe browsing activity to ensure comprehensive protection against a wide range of threats. For more information on the best antivirus for laptops and other devices, visit [www.reasonlabs.com](http://reasonlabs.com).

There are many many types of devices out there but this article is going to take a look specifically at which is the best antivirus for HP laptops.

What Is The Best Antivirus For HP Laptop Users?

Zip Files (also known as ‘archive files’), are files that have been compressed to reduce storage space. This compressed file format can be used to store and transmit multiple files or folders. Zip files are identified by their ‘.zip’ file extension and are easily created on your desktop. Once a .zip file has been created, accessing the files within requires first ‘unzipping’ or extracting them. As well as being useful for file encryption, and for creating different kinds of archives, zip files are also favored by cyber criminals, who use .zip files to send malicious files.

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  buttonLabel="Check Now For Free."
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/>

## Can A Zip File Be A Virus?

Are zip files safe, or can a zip file be a virus?? As zip file viruses are popular vectors for malware authors, zip files can indeed potentially contain a virus or other malware. Cyber criminals can use zip files to distribute their malicious software because they can pack multiple files together into a single file and make it easier to distribute.

It's important to be cautious when opening zip files, especially if you receive them from an unknown source. You should always scan zip files for viruses before opening them, and install up-to-date [antivirus](https://cyberpedia.reasonlabs.com/EN/antivirus.html) software on your computer to ensure that it can detect and remove the latest viruses and malware. It's also a good idea to avoid downloading and opening zip files from suspicious websites or emails, and to only download files from reputable sources.

## Can Antivirus Software Scan Zip Files For Viruses?

So, the big question is; can antivirus software scan zip files for viurses? Fortunately, antivirus software can and does scan .zip files, but how the scan is performed depends on the antivirus software. Some antivirus software can scan and detect viruses that are inside the archived file. They do this by temporarily decompressing the archived files and scanning the contents, looking for any suspicious files or code that may pose a threat. The antivirus software then checks the file against its virus database to determine if it is infected with a known virus or malware. 

Other antiviruses scan the files for viruses once they’ve been extracted, which is also a perfectly safe method of scanning since the antivirus will still clean, quarantine or delete (depending upon the chosen method) any infected files before they can infect your system or other files. An antivirus software’s ability to scan archived files also depends on the format of the archived files. Sometimes, the antivirus software can only detect a virus in a .zip file, but it can’t take any further steps to remove or delete it. When this happens, you will usually have to run the antivirus directly on the infected file after you’ve extracted it.

## How To Scan A Zip File for Viruses

It is important to scan zip files for viruses to prevent your computer from getting infected with malware that can cause damage to your files and steal sensitive information. Here's how to scan a zip file for viruses:

- First, install antivirus software on your device, such as [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection).
- Next, extract the contents of the zip file to a temporary folder on your computer. You can do this by right-clicking on the zip file and selecting "Extract Here," or by using file archiving software such as WinZip.
- Right-click on the folder containing the extracted files and select "Scan with [name of your antivirus software]" from the context menu. This will initiate a scan of all the files in the folder.
- Wait for the antivirus software to complete the scan of all the files in the folder. This may take a few minutes, depending on the size of the files and the speed of your computer.
- Once the scan is complete, review the scan results to see if any viruses or malware were detected. If the antivirus software detects any viruses or malware, follow the instructions provided by the software to remove them.
- After the scan is complete, delete the temporary folder and its contents to ensure that the virus or malware does not infect your computer.

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  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>


## And Then There Are Zip Bombs …
What is a zip bomb? Also known as a ‘decompression bomb’ or ‘zip of death’, zip bombs work differently from other viruses that are delivered by .zip files. Although a zip bomb is usually a small file, designed for ease of transport and to avoid suspicion, when the file is uncompressed its contents exceed far more than the system can handle. 

They are crafted in such a way that an enormous amount of time, space, and system memory is required to unpack them. Unpacking them thus makes it harder for other programs to operate, including antivirus software, which are the main targets of these zip bombs. 

## What Does A Zip Bomb Do To A Computer?
So, what does a zip bomb do to a computer? Essentially, zip bombs are designed to exhaust your system’s resources so that it crashes and your antivirus software is disabled, which then creates an opening for other types of malware. One notorious example of a zip bomb is the ‘[42.zip](https://www.vice.com/en/article/597vzx/the-most-clever-zip-bomb-ever-made-explodes-a-46mb-file-to-45-petabytes)’. 

The file itself is only a few kilobytes, but when it’s decompressed it takes up an astonishing 4.5 petabytes worth of disk space! It’s easy to understand, therefore, how zip bombs can crash a computer system. Fortunately, antivirus software can detect zip bombs too. It does this by looking for overlapping files and by knowing not to unpack layer after layer of recursive data - a sure sign of a zip bomb.

## How To Get Rid Of A Decompression Bomb Virus

If you have been alerted that the zip files on your device may contain a decompression zip bomb virus. Here's how to get rid of a decompression bomb virus:

- Restart your computer in Safe Mode: Restart your computer and press F8 repeatedly until you see the Advanced Boot Options screen. Select "Safe Mode with Networking" and press Enter.
- Run an antivirus scan: Update your antivirus software and run a full system scan. This should detect and remove the decompression bomb virus from your system. 
- Delete suspicious files: Look for any suspicious files that are taking up too much space on your computer - a major clue that there is a decompression bomb virus is excessively large files. If you find any suspicious files, delete them.
- Clear temporary files: Delete all temporary files from your computer by opening the Run dialog box (press Windows key + R). Type "temp" and press Enter. Select all the files and delete them.
- Increase your system resources: If your computer is still slow after removing the virus, you may need to increase your system resources. You can do this by adding more RAM or upgrading your hard drive.

## Are RAR Files Safe?
Another type of compressed file to watch out for is the RAR file, recognized by the .rar file extension. A RAR file is used to store and compress large files or multiple files into a single archive. RAR files are especially useful when transferring or storing large files, as they can significantly reduce the file size and make it easier to send or store. Like zip files, RAR files can be password-protected, allowing you to keep the contents of the archive secure.

But are RAR files safe? In and of themselves, RAR files are safe and do not pose a threat to your computer. However, like any other type of file, a RAR file can contain malware or viruses if it has been intentionally or unintentionally infected. Some cybercriminals may use RAR files to hide malware or viruses to evade detection by antivirus software. This can make it more difficult to detect and remove the threat, which is why it is essential to exercise caution when downloading or opening RAR files. 

As with zip files, it is important to only download RAR files from trusted sources and to have a reliable antivirus software installed on your computer to detect and remove any malware that may be contained within the file. Overall, RAR files are generally safe as long as they come from a trusted source and are scanned for viruses before opening.

<ButtonImage
  buttonLabel="Check Now For Free"
  text="Worried about Zip scams and RAR files? Take our Security Quiz to find out how safe you are online."
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  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## Protect Your Device
By taking simple pre-emptive precautions, consumers can prevent infected RAR files and zip archive files from infecting their computers. Utilizing next-generation antivirus software such as [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) is the first step. 

By scanning files, you will be alerted if there is any suspicious activity. It’s also advised to exert caution when downloading files from the internet, keep your antivirus software regularly updated and avoid browsing suspicious websites. For more information on RAV Endpoint Protection and other cybersecurity products from ReasonLabs, visit: [www.reasonlabs.com](http://www.reasonlabs.com). 

One of the most popular questions among consumers regarding cybersecurity for their devices is whether or not their chosen antivirus can scan zip files for viruses.

Do You Know How To Scan Zip Files For Viruses And Zip Bombs?

## Stop internet tracking
In the digital age, our lives are increasingly intertwined with the internet. From shopping to socializing, we rely on the online world for countless aspects of our daily routine. However, this convenience comes at a price: [our privacy](https://cyberpedia.reasonlabs.com/EN/privacy%20protection.html). 


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  text="Are you protected from hacking and privacy invasion? Take our quick Security Quiz and find out how safe you are online. It only takes 3 minutes."
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In the vast online landscape, we are constantly being tracked online and monitored by various entities. Whether it's advertisers, [social media platforms](https://cyberpedia.reasonlabs.com/EN/social%20media%20monitoring.html), or even governments, the tracking of our online activities has become ubiquitous. But here's the good news: you don't have to resign yourself to being a passive participant in this surveillance game. With a little knowledge and proactive measures, you can regain control of your online privacy and limit the amount of tracking your experience. 

In this blog, we'll explore effective strategies and practical tips to help you figure out how to prevent trackers, how to stop being tracked online, and how to stop a website from tracking you. We'll emphasize the importance of education and awareness, empowering you with the knowledge to make informed decisions about your digital privacy and stop internet tracking. By implementing these strategies, you'll be taking significant steps toward reclaiming your online autonomy and preserving your [personal data](https://cyberpedia.reasonlabs.com/EN/personal%20data%20protection.html).

## How does internet tracking work?
So, how does internet tracking work? Well, internet tracking is made possible by a few different factors, however the most prevalent is the use of Cookies. Cookies are small packets of data that collect information about you to “enhance” your browsing experience. There are many different types of cookies that function for various reasons, such as Session Cookies, First-Party Cookies, This-Party Cookies, Flash Cookies, and more. Cookies are what make browsing experiences feel customized for the user. Cookies remember your preferences, the items in your Amazon shopping cart, and your user name, among other things. So yes, cookies are important mini-files that make your experiences on websites feel like they were tailor-made for you.

## Why companies track your data
To answer the question of why companies trakc your data, we can simply say companies track your data for personalization objectives. Third-Party Cookies are placed on sites by ad networks and get stored in your web browser with the intent of collecting data on you for marketing purposes. They record your every move as you cross the internet. Your likes, dislikes, and browsing habits are worth a lot of money to advertisers, and ads that are targeted specifically to a user’s browsing history are more valuable than non-targeted campaigns.

Let’s imagine you’re on the lookout for a new refrigerator. You head over to Google to check out prices and models. Afterward, you should expect that ads for refrigerators are going to follow you around from website to website. This is because advertisers can see that you’re in the “new fridge zone” and they’re hoping that you’ll click on one of their ads and that your ad click will eventually convert into a sale.

## How to avoid being tracked and how to stop internet trackers
Fear not, there are tactics you can learn to combat the rampant tracking out there on the internet today and stop web tracking. If the idea of being watched gives you the creeps, here's how to avoid being tracked and how to stop internet trackers:

- **Enable Do Not Track**: Sure, cookies are a normal part of surfing the web but [you can choose to disable them](https://allaboutdnt.com/) by going into your browser’s settings under “Privacy” and choosing to “Send a Do Not Track Request” to websites. In theory, at least, this means you can stop website tracking because websites shouldn’t place tracking cookies into your browser… but it doesn’t really work out like that. Honoring the request on the part of websites is voluntary and thus an unfortunate amount of websites will still take the liberty of tracking.
- **Use HTTPS everywhere**: The S in HTTPS means that the information being transferred uses the Hypertext Transfer Protocol over Secure, which is a secure data transfer protocol. Created by the Electronic Frontier Foundation, one of the leading non-profit digital rights groups, [their plugin](https://www.eff.org/Https-everywhere) forces websites that use the regular not-as-secure HTTP data transfer protocol to use HTTPS, thereby enhancing the security and privacy of your data through encryption.
- **Use a browser extension**: Using a security and privacy-focused [browser extension](https://cyberpedia.reasonlabs.com/EN/browser%20extension.html), such as [RAV Online Security](https://reasonlabs.com/platform/products/extension) for Google Chrome or Microsoft Edge, can provide protection against intrusive trackers, cookies, malicious URLs, harmful extensions, and more. These privacy and safety features work together to help stop internet trackers and keep you safe while surfing the web.

<ButtonImage
  buttonLabel="Check Now For Free"
  text="Are you protected from hacking and privacy invasion? Take our quick Security Quiz and find out how safe you are online."
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  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## Stop Google from tracking search history
Google is the most widely used search engine in the world with [over 80%](https://www.statista.com/statistics/220534/googles-share-of-search-market-in-selected-countries/) of desktop search traffic originating from it - odds are, you are a user. So what are some practices you can use to stop Google from tracking search history and potentially invading your privacy?

One way is to set up [Incognito Mode](https://cyberpedia.reasonlabs.com/EN/incognito%20mode.html) on your Chrome browser. Also known as Hidden or Private Mode, this is one of the easiest ways to stop some of the effects of tracking. Note we said “some”, and that’s an important caveat.  Incognito mode does keep your website history from being stored and reported to ad networks. But your [IP address](https://cyberpedia.reasonlabs.com/EN/ip%20address.html) can still be tracked and your internet service provider and websites that you log into will still recognize you, leaving you open to some forms of tracking.

## How to stop websites from tracking you
So, by now have you asked yourself, “How to block online trackers?” Figuring out how to stop websites from tracking you is no easy task. There are, however, many tools that you can use to help. Below are just a few examples of cyber tools you can leverage in order to stop trackers from following you around online:

- **VPNs**: Using a [Virtual Private Network (VPN)](https://reasonlabs.com/platform/products/vpn) creates a secure, encrypted “tunnel” from your device to the VPN server, ensuring the security and privacy of your connection. It also hides your IP address, making it look like the traffic is coming only from the VPN service provider. For example, with a VPN, you can use public Wi-Fi spots safely and surf the web with confidence.
- **TOR (The Onion Router)**: To achieve near-total anonymity, consider using the famed [TOR browser](https://cyberpedia.reasonlabs.com/EN/tor%20network.html). By routing your traffic through a network of encrypted layers, the user’s origin is very well hidden. Anyone who tries to track your web traffic only sees the relay computers moving the traffic around from layer to layer. This means that advertisers can’t track you at all. 
- **Private search engines**: Political dissenters and whistleblowers aside, many privacy advocate experts agree that using TOR is perhaps a bit of an overkill for average web users. You could instead use a private search engine, such as [DuckDuckGo](https://duckduckgo.com/), to stop online tracking.

These methods aren’t foolproof, but in truth, to greatly increase your online privacy you don’t need to achieve 100% anonymity. What you need is a solid understanding of what’s at stake and what you can do to mitigate the effects of tracking. And the more methods you use, the better off you’ll be. To learn more about privacy protection online and how to stay secure, visit [reasonlabs.com](http://reasonlabs.com). 

We'll explore effective strategies and tips to help you figure out how to prevent trackers and how to stop being tracked online.

Tired of Being Tracked? How to Stop Being Tracked Online

You probably already realize that keeping your social security number (ssn) secure is really important. But have you ever thought about what would happen if you didn’t keep it safe? And what the repercussions would be? How do hackers get your social security number? And what can they do with it once they have it? Read on to find out how and why a hacker would steal your social security number, and how to prevent this type of identity theft from happening.

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/>

## Why would someone steal your social security number?

To get a true understanding of why it’s so important to make sure that your social security number never falls into the wrong hands, let’s start from the beginning. A social security number is a nine-digit number issued by the government to all U.S. citizens. These numbers were first issued in the 1930s to track accounts in the newly formed [New Deal Social Security program](https://www.ssa.gov/history/briefhistory3.html#:~:text=The%20Social%20Security%20Act%20was,a%20continuing%20income%20after%20retirement.) and were never supposed to be used as a primary way of identifying oneself. But seeing as almost every American citizen holds a social security number, it has since become the de facto way of identifying people. It’s how the IRS keeps track of individuals. You also need one in order to obtain a passport, open any kind of financial service, get a driver’s license, or apply for insurance. 

For the most part, the requesting parties will use your social security number as an easy way to ID their customers, not because they actually need it. Yet in practice, this means that all these businesses and organizations have people’s most sensitive data stored on their servers, even though in the vast majority of cases it’s totally unnecessary. Consequently, if any of these organizations or businesses get hacked, social security numbers are the very first thing hackers will go after. 

## How can someone steal your social security number?
A variety of [data breaches](https://cyberpedia.reasonlabs.com/EN/data%20breach.html) can lead to the compromise of your social security number. For example, hackers and cybercriminals target businesses, government agencies, educational institutions, and healthcare providers to gain unauthorized access to their databases containing personal information, including social security numbers.

## How do hackers get your social security number?
Additionally, there are some other common types of data breaches that could put your social security number at risk:

- **Phishing attacks**: Hackers can get your social security number through the use of [phishing](https://cyberpedia.reasonlabs.com/EN/phishing.html) emails or messages, sent to trick individuals into providing their sensitive information, including social security numbers, by posing as legitimate organizations or individuals.
- **Insider threats**: Employees, contractors, or individuals with authorized access to databases may misuse their privileges to access and steal personal information, such as social security numbers.
- **Lost or stolen devices**: If a device containing personal information, such as laptops, smartphones, or external hard drives, is lost or stolen, it could lead to a data breach if the data is not properly encrypted or protected.
- **Unsecured websites or databases**: Insecurely designed or maintained websites and databases may expose sensitive data, including social security numbers, to unauthorized individuals.
- **Malware and ransomware**: Malicious software, or ‘[malware](https://cyberpedia.reasonlabs.com/EN/malware.html)’, can infiltrate computer systems and networks, allowing attackers to access and steal sensitive data, including social security numbers. [Ransomware](https://cyberpedia.reasonlabs.com/EN/ransomware.html) attacks can also lead to data breaches if sensitive information is exposed or encrypted.
- **Third-party vendor breaches**: Organizations often share sensitive data with third-party vendors. If one of these vendors experiences a data breach, it could compromise the data of their clients, including social security numbers.
- **Social engineering**: Attackers may use [social engineering](https://cyberpedia.reasonlabs.com/EN/social%20engineering.html) techniques to manipulate individuals into revealing their social security numbers or other sensitive information.
- **Data leaks and misconfigurations**: Misconfigured cloud storage, publicly accessible databases, or accidental data leaks can lead to the inadvertent exposure of sensitive information, including social security numbers.
- **Physical breaches**: Theft or unauthorized access to physical records, such as paper documents or files, containing personal information can also result in a data breach.

It's important to note that even with strong security measures, no system is entirely immune to data breaches. That's why it's crucial to be cautious about sharing your social security number and other personal information, and to monitor your accounts and credit reports regularly for any signs of suspicious activity. Additionally, being informed about data breaches and following best practices for online security can help reduce the risk of your social security number being compromised.

<ButtonImage
  buttonLabel="Run A FREE Scan Now."
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/>

## Can someone access my bank account with my social security number?
Unfortunately, the answer to this is ‘Yes’ - once a threat actor has your social security number, they can indeed open bank accounts in your name, or add names to your existing bank accounts so they can access said accounts and help themselves to the funds deposited there.

## What can a person do with your social security number?
What if someone steals your social security number? What can they actually do with it? Once a hacker has your social, he or she can commit all kinds of identity fraud - it doesn’t stop at bank accounts. And unfortunately for the victim, sorting out identity theft is terribly complex. In some cases, the victim may spend the rest of his or her life dealing with the consequences. 

## What can hackers do with my social security number?
Below are just some of the things hackers can do once they have your social security number:

- **Sell it on the dark web**: Selling your data to another cyber criminal is one of the possibilities - there’s a huge market for consumer data on the [dark web](https://cyberpedia.reasonlabs.com/EN/dark%20web.html).
- **Open credit cards in your name**: To open almost any credit card account, all you need is an SSN, name, and address. After stealing your SSN, getting your name and address is a relative cinch. Together, these three pieces of information in the wrong hands are incredibly damaging.
- **Get your tax return**: You may be eagerly awaiting your tax return money, but as long as an attacker has your SSN name and birthdate, he or she can file a tax return in your name. Goodbye money, and more importantly, goodbye security and privacy.
- **Take out loans in your name**: Armed with your SSN and name, attackers can take out loans and never pay them back. This causes huge damage to your credit rating, ability to get insurance and can even prevent you from getting a job in the future.
- **Use your health coverage**: Imagine getting a statement for a medical procedure you know you’ve never had, and having to pay the bill. With just your SSN, a hacker can pose as you, receive medical treatment and stick you with the bill. As terrible as this is, messing with your medical can get much worse; if an attacker is treated in your name, his or her current medical issues will be added to your records, which could lead doctors to prescribe incorrect or unnecessary medications or procedures.
- **Claim to be you if charged with a crime**: Did you really think a hacker would ‘fess up if caught by the police? Nah, they’ll just pretend to be you instead. By giving your name over to the authorities, you have become a part of their web of crime and lies, which may keep you from getting lines of credit and jobs … and worse of all may land you in prison.
- **Open utilities in your name**: All it takes is an SSN and name to open accounts at certain utilities such as gas, electric and phone companies. Attackers may run up bills under your name and then you get stuck with the bill.

So if you were wondering ‘What can hackers do with my social security number’, you can see that unfortunately, the list is pretty long - further verifying the need to protect your social security number.

## 6 ways to protect your social security number
Now that we’ve established the dangers of SSN theft, it’s important to understand how to protect your social security number from falling into the wrong hands:
1. **Take your SSN card out of your wallet**: Some people have the habit of carrying their social security card around, but this is a huge mistake. Take it out ASAP and put it someplace very secure, like a safe deposit box.
2. **Learn it by heart**: Memorizing your social security number means you’ll never need to write it down unnecessarily.
3. **Don’t give your number out**: As we mentioned, some companies ask for your SSN but that doesn’t mean you need to give it to them. Unless it’s your employer, bank, the IRS or some other government-backed agency who’s asking, you can and should decline to provide that information.
4. **Never put it in email or text**: Even if you do need to give over your social to one of the parties listed above, make sure to NEVER put it in an email or text message. If your phone/email or the receiving party’s phone or email gets hacked, your social is toast.
5. **Shred documents**: Another way attackers get your SSN is by fishing through your trash. There is a decent chance that your SSN or other identifying information may be listed somewhere on papers you’re throwing out. Don’t risk it and shred everything with an office-grade shredder.
6. **Monitor your credit card statements**: Keep super close tabs on your bank and credit card statements. This will allow you to see if anyone has opened anything in your name before there is widespread damage.

## What to do if your SSN is stolen
You may be worried that your SSN has already been compromised. If you believe you are a victim of identity theft, it's essential to take immediate action to protect yourself and minimize potential damage. Below is our list of tips for what to do when your SSN is stolen.

### What to do when your SSN is stolen
- **Contact the authorities**: Report the suspected identity theft to your local law enforcement agency and file a police report. This documentation may be necessary when dealing with creditors, financial institutions, and government agencies.
- **Notify the Federal Trade Commission (FTC)**: You can report the identity theft to the [FTC online](https://www.ftc.gov/news-events/topics/identity-theft/report-identity-theft) or by phone at 1-877-438-4338. The FTC can provide guidance on how to proceed and may offer resources to help you recover from identity theft.
- **Contact credit bureaus**: Reach out to the three major credit bureaus ([Equifax](https://www.equifax.com/personal/), [Experian](https://www.experian.com/), and [TransUnion](https://www.transunion.com/?atvy=%7B%22205045%22%3A%22Experience+B%22%7D)) and place a fraud alert on your credit reports. This will make it more difficult for an identity thief to open new accounts in your name. When you place a fraud alert with one bureau, they are required to notify the others.
- **Review your credit reports**: Obtain free copies of your credit reports from each of the three credit bureaus. Review them thoroughly to identify any unauthorized accounts or suspicious activity. You are entitled to a free credit report from each bureau once every 12 months through [AnnualCreditReport.com](https://www.annualcreditreport.com/index.action).
- **Close compromised accounts**: If you identify any fraudulent accounts, contact the respective financial institution or creditor immediately. Explain the situation and have the accounts closed to prevent further misuse.
- **Update passwords and PINs**: Change the passwords and PINs for your online accounts, especially those linked to financial or personal information.
- **Contact the Social Security Administration**: Inform the Social Security Administration (SSA) about the identity theft. You can report it online at [www.ssa.gov](http://www.ssa.gov/), or call their fraud hotline at 1-800-269-0271.
- **Monitor your accounts**: Keep a close eye on your bank accounts, credit cards, and other financial accounts for any suspicious transactions. Report any unauthorized activity to the respective institutions.
- **Consider credit monitoring or identity theft protection services**: These services can help you monitor your credit and provide alerts if there is any unusual activity.
- **Stay vigilant**: Remain vigilant in monitoring your financial accounts and credit reports for an extended period. Identity thieves may attempt to use your information again even after the initial incident.

<ButtonImage
  buttonLabel="Run A FREE Scan Now."
  text="Is your Social Security number safe from cybercriminals? Conduct a FREE scan to see if your information is at risk."
  cta="blog-cta-button" href="https://lp3.reasonlabs.com/dwm/online-security?aflt=70&utm_source=Website-blog&utm_campaign=stolen_social_security"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

Remember, identity theft can have serious consequences, so it's crucial to act quickly and decisively. By following these steps and working with the appropriate authorities, you can start the process of recovering your identity and protecting yourself from further harm. Ultimately, when it comes to protecting your social security number, the best move is to never give it out without thoroughly understanding to whom, and why, you’re giving it out. Keeping your social security number secure is a long-term prospect, but one that’s well worth the effort.

At ReasonLabs, we’ve developed cybersecurity features to help you quickly and proactively detect if any of your personal information has been compromised online. For example, our [Online Security](https://reasonlabs.com/platform/products/extension) browser extension contains a Dark Web Monitoring feature enabling you to check if any of your email accounts have been subject to a data breach. For more information on identity theft, digital fraud and online security best practices, visit [www.reasonlabs.com](http://www.reasonlabs.com). 

You probably already realize that keeping your social security number secure is really important. But what can happen if it gets stolen - and how can you prevent this from happening?

How Can Hackers Steal Your Social Security Number?

## Is Cash App Safe?

Is [Cash App](https://cash.app/) safe? Well, Cash App is a popular mobile payment app that allows users to send money to their friends and family, as well as receive payments from them, buy goods and services, and invest in stocks or cryptocurrency. Unfortunately, scammers are taking advantage of this platform and attempting to steal users’ personal information or money through various Cash App scams. However, many prospective users will want to know: Is Cash App safe to use?  In this blog post, we will discuss the different types of Cash App scams you should be aware of, how to protect yourself from fake Cash App transactions, and what steps you can take if you become a victim of one of these schemes. 

<ButtonImage
  buttonLabel="Check Now For FREE."
  text="Worried about scams involving Cash App? Take our quick Security Quiz to find out how safe you are online. It only takes 3 minutes."
  cta="https://lp3.reasonlabs.com/dwm/safety_level_calculator/online-security/check/info/web-scan?aflt=70&utm_source=Blog-Cash-App-Scam"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## What is a Cash App Scam, and how does it work?

So, what is a Cash App Scam and how does it work? The rise in popularity of [peer-to-peer](https://cyberpedia.reasonlabs.com/EN/peer-to-peer%20(p2p).html) mobile payment platforms, like Cash App, has led to an increase in fraud and scams targeting users of these apps. It's becoming increasingly important to know the different types of Cash App scams out there, so you can protect yourself and your hard-earned money. Financial scammers typically use fear tactics or promises of easy money to lure their victims in. A Cash App scam may involve imposters posing as customer service agents, such as a Cash App representative, and asking users for personal information, or requesting money to resolve an issue with the user's account. 

In a [Cash App “flipping” scam](https://www.makeuseof.com/cash-app-money-flip/), scammers will promise to increase your cash amount by ‘flipping” your money, in exchange for a smaller amount sent through Cash App. This is often precluded by a message claiming that they need to verify your identity, or that there are taxes or fees associated with the transaction. Unfortunately, once the money is transferred, it's nearly impossible to get it back. There are tons of other Cash App scams of similar ilk, including through popular social media platforms. Facebook Cash App scams (often using Facebook Marketplace), Cash App Instagram scams, Cash App scams through the Reddit site, and crypto platforms like Bitcoin Cash App scams have all been reported.

## Cash App Scams on Facebook

Although Cash App Scams can occur on many different platforms or through other channels of communication, Cash App Scams on Facebook remains one of the most popular places for such activity. Unfortunately, there have been numerous reports of Cash App Scams on Facebook recently. Cash App Facebook scams rely on social engineering to make them effective:

- **[Cash Flipping Scams](https://www.rockrivercurrent.com/2022/08/17/rockford-woman-warns-others-after-falling-prey-to-facebook-scam-losing-cash/)**: Scammers post deals on Facebook that claim to double or triple the amount of money you send them through Cash App. However, once you send them the money, they disappear, and you never receive anything in return. 
- **[Prize Or Giveaway Scams](https://www.komando.com/security-privacy/giveaway-scams-facebook-instagram/824423/)**: Fraudsters may create posts or groups on Facebook claiming to offer Cash App giveaways or prizes. They may ask users to send them a small amount of money through Cash App as a processing fee or to verify their eligibility. However, once the money is sent, the scammers disappear, and the promised prize or giveaway never materializes.
- **[Marketplace Scams](https://www.wcnc.com/article/money/consumer/facebook-marketplace-scam-alert-consumer/275-8ff991e1-4852-4eae-8c39-230024096c00)**: Scammers may try to buy items from sellers on Facebook Marketplace using fake Cash App accounts. Fraudsters will ask for the seller’s email address in advance, and then send a fake Cash App email invoice to show proof of payment. The seller will then send them the item without ever receiving payment. 
- **[Fake Customer Support](https://cyberpedia.reasonlabs.com/EN/customer%20support.html)**: Scammers may create fake customer support accounts or pages on Facebook and offer assistance with Cash App-related issues. They will then ask for your personal information or login credentials to resolve a supposed problem. Providing this information can lead to identity theft or unauthorized access to your Cash App account.

Users should remain skeptical of any offers or requests for money that seem too good to be true. Always verify the legitimacy of the source, double-check information, and be cautious about sharing personal or financial details online. If you encounter any suspicious activity or believe you've been targeted by a Cash App scam on Facebook, report it to Facebook and Cash App's official channels immediately.

## Is it safe to give out your Cash App tag?

When it comes to sharing your Cash App tag, it's important to exercise caution and be mindful of potential risks. Sharing your Cash App tag can potentially expose your username or associated email address or phone number. Depending on your privacy settings, this information may be visible to others. Be aware of who you share your Cash App tag with and consider adjusting your privacy settings to limit the visibility of your personal information.

Sharing your Cash App tag publicly or with unknown individuals may put you at risk of scams or fraudulent activities as it allows scammers to reach out to you, pretending to be someone else or offering fake deals. When you share your Cash App tag, others can see your transaction history and potentially monitor your financial activities. While this might not be a direct risk, it can still impact your privacy and security.

Similarly, sharing your Cash App tag on social media or other public platforms might make you a target for social engineering attacks. Cybercriminals could use the information you publicly share to gather more details about you, increasing the chances of successful targeted attacks. Only share your Cash App tag with trusted individuals. 

## What do I do if a random person sent me money on Cash App?

Have you ever asked the question, What do I do if a random person sent me money on Cash App? If you were accidentally sent money on Cash App, this could be part of a social engineering scam through Cash App. Scammers will deposit money in your Cash App account “by accident”, as part of a plan to gain your trust, or as a way to lure you into conversation (which can lead to other scams). They may even claim it was a mistake and ask you to refund them the amount they sent. 

<ButtonImage
  buttonLabel="Check Now For FREE."
  text="Worried about scams involving Cash App? Take our quick Security Quiz to find out how safe you are online. It only takes 3 minutes."
  cta="https://lp3.reasonlabs.com/dwm/safety_level_calculator/online-security/check/info/web-scan?aflt=70&utm_source=Blog-Cash-App-Scam"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

In actual fact, they most likely used stolen credit card numbers to fund their account. Therefore, if you send them a “refund” and the person whose credit card was stolen files a fraud claim, you too will lose your money. If a random person sent you money on Cash App and you don't know who they are or why they sent you the money, here are a few steps you can take:

1. Confirm the transaction to ensure that it is legitimate. Make sure the sender's information matches the details provided by Cash App.
2. Contact the sender via Cash App's messaging feature. You can ask them about the reason for the transaction and if it was intended for you. Keep in mind that the sender may not respond or may not know why they sent you money either.
3. Do not spend or withdraw the funds until you have a clear understanding of the situation. Leaving the funds untouched will help avoid potential complications.
4. Report the issue to [Cash App's Customer Support](https://cash.app/legal/ca/en-ca/contact-cash-support). They can guide you on how to proceed and provide assistance in resolving the situation. 
5. Avoid sharing any personal or financial information with the sender or any other unknown individuals who may contact you regarding the transaction. Scammers may try to deceive you into revealing sensitive details or ask for a refund, which could lead to further complications.
6. Monitor your account for any additional unexpected transactions or suspicious activity. If you notice anything unusual, report it to Cash App immediately. Contacting their customer support is crucial to ensure a proper resolution.

## How to protect yourself from Cash App Scams

In today’s digital world, financial fraud and scamming are rampant, and Cash App is no exception. As mentioned above, scammer’s tactics are wide and varied - so protecting yourself from Cash App fraud is fundamental. It requires a heightened sense of alertness to detect and avoid scams before it’s too late. To keep your money and financial information safe, it's imperative to maintain healthy skepticism and knowledge of common Cash App scams. Overall, staying informed, verifying transactions, and reporting suspicious activity are essential strategies to safeguard yourself against a Cash App hack. To avoid falling victim to any nefarious Cash App scams, there are some practical tips you can follow to protect personal accounts and information from unauthorized access. Here's how to protect yourself from Cash App Scams:

- Be wary of any unsolicited requests for money or sensitive information.
- Always think twice about sharing personal information or sending money to someone you don't know and trust.
- Enable two-factor authentication for your account - this will add an extra layer of security to your login process. 
- Keep your software and operating systems up to date, as these updates often address security vulnerabilities. 
- Always verify the person or company you are dealing with before making any transactions on your Cash App account.
- If accessing your account or making transactions online while using public Wi-Fi, utilize a VPN like RAV VPN for an extra layer of cyber protection.
- Use the app's built-in security features such as fingerprint ID or PIN code to protect your account. 

## If you suspect a Cash App hack …

Unfortunately, falling victim to a cash app scam is a common occurrence. If you suspect a Cash App hack, the good news is that there are steps you can take to protect yourself and your money. First, contact the Cash App support team immediately to report the scam and freeze any transactions. They will be able to walk you through the process of recovering any lost funds. Second, change your login credentials and monitor your account activity regularly to ensure that no further Cash App hacks occur. 

It's always important to stay vigilant and cautious when making transactions online to avoid future fraudulent activity. It is essential to take action as soon as possible if something feels suspicious so that further damage can be avoided. With these tips in mind, you should feel safe when using the Cash App for payment transfers! For more information, visit [https://www.reasonlabs.com](https://www.reasonlabs.com).

We will discuss the different types of Cash App scams you should be aware of, how to protect yourself from fake Cash App transactions, and what steps you can take if you become a victim of one of these schemes. 

Cash App Scams & Fraud: How Can I Protect Myself?

PayPal has become a popular and convenient platform for online payments, but like any online service, it is not immune to scams. In this blog, we will explore the topic of PayPal scams, addressing the important question: Is PayPal safe? We will also provide guidance on what to do if you fall victim to a PayPal scam, how to report PayPal scams, and how to help protect yourself and minimize the impact of fraudulent activities.

<ButtonImage
  buttonLabel="Check Now For Free."
  text="Are you protected from PayPal Scams? Take our Security Quiz to find out, it only takes 3 minutes."
  cta="https://lp3.reasonlabs.com/dwm/safety_level_calculator/online-security/check/info/web-scan?aflt=70&utm_source=Blog-PayPal-Scammed"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## Is PayPal Safe?
Let's first answer the question is PayPal safe. PayPal is generally considered a secure platform for online transactions, but it's important to remain vigilant and take necessary precautions to safeguard your account. PayPal offers robust security measures such as encryption, buyer and seller protection policies, and two-factor authentication, and works diligently to combat scams. Nevertheless, scammers may attempt to exploit vulnerabilities through various tactics. It's crucial to educate yourself to stay alert to protect your PayPal account - be aware of potential scams, check for unauthorized charges on PayPal, and learn how to report scams to PayPal.

## Common PayPal Frauds to Watch Out For
There are several common PayPal frauds to watch out for that include these scamming tactics:

- **Phishing Scams**: Scammers may send fraudulent emails or messages impersonating PayPal, asking you to provide sensitive information like your password, Social Security number, or financial details. They often create fake websites that mimic PayPal's login page to trick users into revealing their credentials. It’s important to report PayPal phishing attempts if you suspect them, as this can help save others from being in the same position.
- **Fake Payment Scams**: Scammers may pose as buyers and send fake PayPal payment confirmations, tricking sellers into believing they have received payment for goods or services. In reality, no funds have been transferred, and scammers may request the seller to ship items before payment is actually received.
- **Overpayment Scams**: Scammers may overpay for an item you are selling on platforms like eBay or Craigslist and ask you to refund the excess amount. They may use fake or stolen PayPal accounts for this purpose, leaving you out of pocket once the payment is reversed or reported as unauthorized.
- **Unauthorized Transactions**: If someone gains unauthorized access to your PayPal account, they can make purchases or transfer funds without your knowledge. It's important to regularly monitor your account for any suspicious activity and report unauthorized PayPal transactions immediately.
- **Charity Scams**: Scammers will exploit people's generosity by creating fake charity campaigns or disaster relief efforts. They then request donations through PayPal, and may set up fake PayPal accounts, so the funds never actually reach the intended recipients.
- **Buyer/Seller Disputes**: In some cases, scammers take advantage of PayPal's buyer/seller protection policies by filing false claims or disputes. They may receive goods or services but falsely claim they were never received, leading to a refund at the seller's expense.
- **Fake Password Reset Alerts**:
Scammers will send an email purportedly from PayPal, asking users to reset their password - but the login page is fake, so when users enter their new login information, it’s immediately stolen by the hacker.  

It's important to note that scammers continuously adapt their tactics, so new variations of PayPal scams may arise. Staying informed about the latest scam techniques and being cautious when conducting transactions online can help protect you from falling victim to such scams. Remember to verify the authenticity of emails, double-check payment confirmations, and report PayPal scammers and other suspicious activity.

## Recent PayPal Frauds

In January 2023, close to 35,000 PayPal users had their accounts hacked by a [credential-stuffing attack](https://www.phonearena.com/news/paypal-security-breach-credential-stuffing-attack_id145059). Hackers utilized previously leaked login info that was then used to gain access to PayPal accounts when the user reused the exact same login details on the PayPal site. PayPal was able to stop the attack and reset the passwords for the users so the hackers would lose access. Interestingly, as it wasn’t the PayPal servers themselves that were hacked, this attack relied purely on users having reused their passwords. So it’s really a lesson to us all not to reuse old passwords! 

In May 2023, an [Instagram user](https://www.nbcchicago.com/news/local/shocked-it-was-so-easy-instagram-scam-victims-call-for-more-protections/2844474/) reported that scammers had tried to gain access to her PayPal account after first contacting her on the popular social media platform - with the aim of stealing her credentials and funds. This is another reason to stay vigilant when it comes to authorizing online payments: hackers have a variety of methods and forums through which they may try to gain access to payment sites and private information.

<ButtonImage
  buttonLabel="Check Now For Free."
  text="Worried about online scams and digital fraud? Learn about your security level with our quick Security Quiz."
  cta="https://lp3.reasonlabs.com/dwm/safety_level_calculator/online-security/check/info/web-scan?aflt=70&utm_source=Blog-PayPal-Scammed"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>


## “I Got Scammed On PayPal!” - How To Report A Scam On PayPal

If you suspect that you may have been a victim of a PayPal phishing email or other kind of PayPal scam, it must be reported and dealt with straight away. Follow the steps below to learn how to report a scam on PayPal:

- **Contact PayPal**: Report scams to PayPal immediately. Any fraudulent activity should be reported to [PayPal's Security Center](https://www.paypal.com/us/security/report-fraud) as soon as possible. They have dedicated teams to handle scam-related issues and can guide you through the resolution process.
- **Secure Your Account**: Change your PayPal password and enable two-factor authentication for an added layer of security. Review your account settings, update contact information, and ensure your linked bank accounts or credit cards are secure.
- **Dispute the Transaction**: If you have been scammed by a fraudulent seller, dispute the transaction through PayPal's Resolution Center. Provide all relevant details, including evidence of the scam, to support your case.
- **Monitor Your Financial Accounts**: Keep an eye out for any unauthorized PayPal charges on bank accounts or credit cards. If necessary, contact your financial institution to report the scam and take appropriate action to protect your finances.
- **Report PayPal Frauds**: File a complaint with your local law enforcement agency and report the scam to relevant authorities, such as the Federal Trade Commission (FTC) or your country's consumer protection agency. This helps in raising awareness and potentially preventing others from falling victim to similar scams.
- **Educate Yourself**: Stay informed about the latest PayPal scams and learn how to recognize phishing attempts and fraudulent activities, including PayPal refund scams. It’s worth paying regular visits to PayPal's Security Center and other official communication channels to stay updated on their security best practices.

## Does PayPal Refund Money If Scammed?

Fortunately, we have a good answer to the question does PayPal refund money if sacmmed. PayPal users who use the platform to make payments are reassuringly likely to get their money refunded after reporting PayPal scams - especially in comparison to other similar payment apps. However, it’s important to note that it’s only possible to get refunded for payments actually made on PayPal. Scammers know this is the case, and will devise ways to impersonate PayPal representatives to steal passwords, trick users into making payments on different platforms, or give up private data that they can use for identity theft. In these instances, there may not be much PayPal can do to help the scam victims. 

## How Long Does PayPal Take To Refund After A Scam?
So, how long does PayPal take to refund after a scam? While PayPal aims to resolve disputes and scams as quickly as possible, the exact timeline can vary. Patience and cooperation during the resolution process are key. Additionally, if you funded the payment via your credit card, contacting your credit card issuer directly can provide an additional layer of support.

The Paypal refund policy is in place to address unauthorized or suspicious transactions promptly. However, the time it takes for PayPal to refund your money after a scam can vary based on several factors, including the nature of the scam, how the payment was funded, and the specific circumstances of the case. After you have reported the scam, PayPal will conduct an investigation into the reported scam. This investigation can take a few days to a few weeks, depending on the complexity of the case and the volume of similar reports they are handling.

If PayPal determines that the transaction was unauthorized or fraudulent, they will initiate the refund process. The time it takes for you to receive the refund after this determination can vary. If the payment was made through a credit card, the refund process might also depend on the policies of your credit card company. In some cases, PayPal may be able to resolve the issue and refund your money within a few days. However, in more complex cases, especially those involving disputes and chargebacks, the resolution process could take several weeks. During the resolution process, stay in communication with PayPal's customer support and respond promptly to any requests for additional information or documentation to expedite the investigation.

<ButtonImage
  buttonLabel="Check Now For Free."
  text="Are you protected from PayPal Scams? Take our Security Quiz to find out."
  cta="https://lp3.reasonlabs.com/dwm/safety_level_calculator/online-security/check/info/web-scan?aflt=70&utm_source=Blog-PayPal-Scammed"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## PayPal Friends and Family Refund: Does Paypal Refund Money If Scammed?

PayPal Friends and Family is a feature that allows users to send money to friends or family members without incurring any fees. It's designed for personal payments, such as splitting a bill, paying back a friend, or contributing to a group gift.

The PayPal refund policy for Friends and Family refunds differs from the resolution process used for goods and services payment refunds. Because PayPal Friends and Family transactions are intended for personal use and are not intended for commercial transactions, there is no buyer or seller protection associated with these payments. This means that if you use the Friends and Family option to send money, you won't be able to file a dispute through PayPal if the transaction goes wrong, such as if the recipient doesn't deliver the promised goods or services.

When someone refers to a "PayPal Friends and Family refund," it likely means that a payment made through this method needs to be refunded. Refunding a Friends and Family payment typically involves the sender initiating another payment to return the money to the recipient. It's important to double-check the transaction details and confirm the recipient's information before processing a Friends and Family payment, as there is limited recourse for disputes or refunds through PayPal for these types of transactions.

## How To Avoid PayPal Scams

Let's dive in to the question of how to avoid PayPal scams. While PayPal is generally considered a safe platform for online transactions, scams can still occur. By remaining vigilant, educating yourself about common scams, and promptly reporting any fraudulent activity, you can protect yourself and minimize the impact of PayPal scams. Some of the best practices include: 
- Maintaining strong security practices by monitoring accounts regularly, and using caution when sharing personal or financial information online.
- If accessing your account or making transactions online while using public Wi-Fi, utilize [RAV VPN](https://reasonlabs.com/platform/products/vpn) for an extra layer of cyber protection.
- Never click on links in PayPal ‘password alert’ emails in case they are unauthorized - only log in directly through PayPal.com.
- Checking website URLs before entering your login information. For PayPal, the URL should be PayPal.com. When using other payment platforms, check the pages are secured with the “https” rather than “http.” 

For more information and tips on how to stay safe while online, visit [www.reasonlabs.com](www.reasonlabs.com). 

<ButtonImage
  buttonLabel="Check Now For Free."
  text="Are you protected from PayPal Scams? Take our Security Quiz to leaern about your online safety level."
  cta="https://lp3.reasonlabs.com/dwm/safety_level_calculator/online-security/check/info/web-scan?aflt=70&utm_source=Blog-PayPal-Scammed"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>


PayPal is generally considered a secure platform for online transactions, but it's important to remain vigilant and take necessary precautions to safeguard your account. 

"I Got Scammed!" - Does PayPal Refund Money If Scammed?

Did you know that Google has become such an entrenched part of people’s lives that ‘[to Google](https://www.oxfordlearnersdictionaries.com/definition/english/google)’ was acknowledged as a verb and added to the Oxford English Dictionary in 2006? For such a major player in the World Wide Web market, Google’s cybersecurity needs are presumably through the roof - and the reliability of Google’s virus protection may be a concern for consumers. Google claims that security is an integral part of all its operations and that they practice [vulnerability management](https://workspace.google.com/learn-more/security/security-whitepaper/page-3.html) by tracking and following up on vulnerabilities and by scanning for security threats. But exactly what antivirus does Google use to scan for those security threats? And how does Google guard against the ever-evolving cyber threats of today?

<ButtonImage
  buttonLabel="Run Free Scan Now."
  text="Think you're safe from online scams and fraud? Take our quick Security Quiz to find out your personalized Safety Score."
  cta="https://lp3.reasonlabs.com/dwm/safety_level_calculator/online-security/check/info/web-scan?aflt=70&utm_source=Blog-Google-Antivirus"
  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## What antivirus does Google use to scan for security threats?
So, what antivirus does Google use and are you protected while using Google? [According to Google](https://workspace.google.com/learn-more/security/security-whitepaper/page-3.html), they use a combination of commercially available and purpose-built, in-house tools. Some examples of their in-house security tools include HTTPS and transport layer security encryption, a highly secure cloud infrastructure, and blacklists of malicious websites to help users know that they could be navigating to malicious URLs (note: blacklisting is when a search engine removes a website from its index). 

## Is VirusTotal owned by Google?
Google has also taken it upon itself to secure email technologies that provide protection against phishing and malware attacks. For example, Google’s Virus Scanner uses Google’s secure cloud infrastructure for online virus scans and spyware detection. [VirusTotal](https://www.virustotal.com/gui/home/upload), which Google acquired back in 2012, is another good example of a Google security tool. VirusTotal is an online service that aggregates data, uses antivirus engines and website scanners, and blacklisting services for the purpose of analyzing files and URLs to detect malicious content.

## Chrome Antivirus
Google also uses other anti-malware software e.g. Google’s [Safe Browsing](https://safebrowsing.google.com/) extension, a powerful Chrome antivirus solution. The Safe Browsing extension is used to blacklist URLs of websites that are malicious or contain phishing content. The browser also helps prevent unauthorized changes to a user’s settings.  As to the commercial antivirus solutions that Google uses, there are a few different brands. For example, in addition to its own technology for protecting against malicious links, Google also uses Microsoft’s Windows Defender antivirus scanner to protect users from phishing attacks. 

It’s also worth mentioning Google’s [Advanced Protection Program](https://landing.google.com/advancedprotection/) is intended to bring “increased security and protections to high-profile Google Account users like journalists, activists, politicians, and business leaders,” according to [The Verge](https://www.theverge.com/2017/10/17/16488572/google-advanced-protection-phishing-fraud-security-keys). Users have to enroll in the program, but once activated, it will provide additional security safeguards for downloads made in Chrome. If a file looks suspicious, the user will be warned or the file will be prevented from downloading.

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## Does Gmail scan for viruses?
As one of Google’s most popular products, with consumers and businesses alike using this email service, the question of, "Does Gmail scan for viruses" is a common one. Gmail has a built-in Google antivirus scanner that automatically scans all incoming emails for viruses and malware. Gmail uses a combination of automated systems and advanced algorithms to detect and block potentially harmful emails before they reach your inbox.

In addition to Gmail's built-in virus scanner, you can also enhance your protection against malware and viruses by being cautious when opening email attachments or clicking on suspicious links, and avoiding sharing personal information with unknown senders. Using next-generation antivirus software like [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) can provide an additional layer of security. If you suspect that an email in your Gmail inbox contains a virus or malware, you should avoid opening it and instead report it as spam or phishing.

## Does Google Chrome have antivirus?

So, does Google Chrome have antivirus capabilities itself? Well, Google Chrome used to have a virus detection tool called Chrome Cleanup Tool. Introduced in 2015, the Chrome Cleanup Tool was used to help users recover from unexpected settings changes and to detect and remove unwanted software. Having performed more than 80 million cleanups, this tool was discontinued earlier in 2023 as Google decided its services were no longer so relevant for users. However, as stated in their [security blog](https://security.googleblog.com/2023/03/thank-you-and-goodbye-to-chrome-cleanup.html), Google Chrome users will still be “automatically protected” by their Safe Browsing tool, and have the option to turn on their ‘Enhanced protection’ to increase protection from dangerous websites and downloads.

## What is a search engine virus? 
A [search engine virus](https://cyberpedia.reasonlabs.com/EN/search%20engine%20hijacker.html) is another term for a [browser hijacking](https://cyberpedia.reasonlabs.com/EN/browser%20hijackers.html) virus. This is a type of malicious software that modifies your web browser’s settings without your permission. Browsing hijackers can redirect your browser, cause annoying pop-up ads to appear, and potentially track your online activities and collect personal data. Using a next-generation antivirus is an essential tool for maintaining the security and integrity of your computer system, including protecting against search engine viruses. 

## Why use antivirus software? Best antivirus for Chrome
If you enjoy using a web browser for your online surfing needs, such as Google Chrome, then even though Google uses several different cybersecurity technologies, by far the smartest approach to protecting your computer and data in the current climate of cybercrime is to research and install the best antivirus for Chrome. 

While Google’s cybersecurity technologies are effective, they don’t detect nearly the same amount of malware that antivirus solutions do. Antivirus software detects, prevents, and removes malicious software, such as viruses, worms, Trojans, ransomware, and spyware. These types of malware can cause various problems, from data loss and system damage to privacy breaches and financial theft. Antivirus software will continuously monitor your system, files, and incoming data for any suspicious or malicious activity. It can identify and quarantine or remove threats in real-time, minimizing the risk of infection and damage to your computer.

Most importantly, antivirus software will regularly release updates to stay ahead of emerging threats. These updates include the latest virus definitions and security patches to protect your system against new and evolving threats. Hence, it is highly recommended that anyone using PCs should also install additional powerful antivirus software.

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## Which Antivirus? - Enhancing Your Cybersecurity
When spending time online, using search engines, web browsers, and any other online tools, consider enhancing your protection with an EDR-based antivirus like [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) from ReasonLabs. RAV Endpoint Protection offers a comprehensive suite of security features designed to protect your device from various types of threats, including malware, ransomware, phishing attacks, and zero-day exploits. It provides real-time scanning and proactive threat detection to ensure the safety of your browsing activities.

RAV Endpoint Protection employs a multi-layered approach to cybersecurity, combining various next-generation antivirus techniques such as signature-based scanning, behavior monitoring, heuristic analysis, and machine learning algorithms. This layered defense helps to identify and block both known and unknown threats, providing advanced protection for your device. RAV Endpoint Protection is designed to be lightweight and efficient, minimizing its impact on system resources. It is optimized to work seamlessly with popular web browsers like Google Chrome, ensuring that you can enjoy a fast and smooth browsing experience while still benefiting from robust security.

It’s good to know that companies like Google endeavor to protect their customers with their own antivirus solutions. However, enhancing your cybersecurity and selecting your own advanced antivirus with machine learning to ensure that your computer is equipped with the most up-to-date protection is your best bet. This will ensure a safer online experience without compromising on the benefits and convenience of using your preferred web browser or other online tools. For more information on RAV Endpoint Protection and other products in our cybersecurity suite, visit us at: [www.reasonlabs.com](http://www.reasonlabs.com).

What antivirus does Google use to scan for security threats? And how does Google guard against the ever-evolving cyber threats of today?


What Antivirus Does Google Use? Why You Shouldn't Just Rely On Google Virus Protection

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## Email hacking - what’s the motive?
Email hacking - what's the motive? Well, email is an essential communication tool, but it's also a prime target for hackers seeking sensitive information. Email hackers have various motives for wanting to compromise email accounts. Access to your email can lead to access to your financial accounts, allowing hackers to steal money, make unauthorized purchases, or conduct fraudulent transactions. Identity theft is another reason behind email hacking - hackers can use the information in your emails to steal your identity, which can be used for various malicious purposes, including applying for credit, opening accounts, or committing fraud. Espionage, extortion, and harassment are also reasons behind this particular criminal activity.

Yet regardless of the motive, protecting your email account and practicing good cybersecurity habits is essential to prevent unauthorized access and mitigate potential damage. Understanding how email hackers can compromise your email and recognizing the signs of a compromised account are crucial for safeguarding your digital identity. In this blog, we'll explore common methods hackers use to breach email accounts and provide guidance on recognizing signs of compromised email addresses.

## How can someone hack your email?
You might be asking the question, 'how can someone hack your email?' Well, there are a number of ways that an email could be hacked:

- **Phishing Attacks**: [Phishing](https://cyberpedia.reasonlabs.com/EN/phishing.html) emails aim to deceive users into revealing sensitive information, such as login credentials. Email hackers create convincing emails that often mimic legitimate services or organizations, tricking users into clicking on malicious links or downloading malicious attachments.
- **Credential Stuffing**: Hackers use leaked or stolen credentials from one breach to gain unauthorized access to other accounts where users have reused the same username and password combination, in a cyber attack known as ‘[credential stuffing](https://cyberpedia.reasonlabs.com/EN/credential%20stuffing.html)’.
- **Brute Force Attacks**: In a [brute force attack](https://cyberpedia.reasonlabs.com/EN/brute-force%20attack.html), hackers use automated tools to try numerous combinations of passwords until they find the correct one. Weak or commonly used passwords are particularly vulnerable to these attacks.
- **Social Engineering**: Hackers rely on [social engineering](https://cyberpedia.reasonlabs.com/EN/social%20engineering.html) to gather information about their targets from social media platforms or other sources, using the gathered details to impersonate the victim and hack email accounts.

## “My email has been hacked!” How to know if your email has been hacked and how to find out who hacked my email?
How can you tell if someone has hacked into your email account? Are there any clues, or do you not know until it's too late? There are a few signs that an email hack has occurred, helping you to check if email hijacking has occurred.

## How to check if your email has been hacked:
1. **Unauthorized access**: If you notice unfamiliar devices or locations listed in your email account's activity log, it could indicate unauthorized access due to hacked email.
2. **Unusual email activity**: Outgoing messages that you didn't send, emails in your Sent folder that you don't recognize, or recipients complaining about suspicious emails from your account are red flags that your email has been hijacked.
3. **Changes in Account settings**: If your account settings, such as recovery email addresses or security questions, have been altered without your consent, your email account may have been compromised.
4. **Missing or deleted emails**: Missing emails, particularly those containing sensitive information or important attachments, might be a sign that someone has gained unauthorized access and hacked emails.
5. **Suspicious activity alerts**: Many email providers offer alerts for suspicious login attempts or activities. Take these alerts seriously and follow the recommended actions.

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## “My email has been hacked - how do I fix it?” First step: Prevention
Being vigilant and protecting your online accounts is the first step in preventing your online identity from being compromised - especially when it comes to your email account, which may be full of personal emails and private information. If you log on, note suspicious activity and think “My email has been hacked - how do I fix it?”, there are a few things you can do to prevent a hacked email account:

- Use strong, unique passwords that include a mix of letters, numbers, and symbols. Avoid using easily guessable information like birthdates or names.
- Enable two-factor authentication, which adds an extra layer of security by requiring a second verification step, such as a text message or authentication app code, in addition to your password.
- Change your email password periodically and avoid using the same password across multiple accounts.
- Exercise caution with emails from unknown senders, especially those requesting sensitive information or urging immediate action.
- Regularly update your operating system, email client, and security software to patch vulnerabilities that email hackers might exploit.
- Monitor your email account's activity log for any unusual sign-ins or access from unknown devices.
- Educate yourself by staying informed about the latest email hacking techniques and cybersecurity best practices to protect yourself.

## Email account hacked? What to do if your email is hacked
Remember, staying vigilant and proactive is key to preventing email compromise. So, what to do if your email is hacked? If you suspect your email has been hacked, take immediate action to secure your account, change your passwords, and review your account activity. By being cautious and taking preventive measures, you can safeguard your email account and personal information from cyber threats. If all clues point to the evidence that your email account has indeed been hacked, it's important to take immediate action to secure your account and prevent further unauthorized access, by following the action items below.

## What to do if email was hacked:
Regarding the question, 'what to do if emali was hacked?', here are a few things you can do: 

- **Change your password**: Change your email account password immediately. Choose a strong and unique password that includes a mix of uppercase and lowercase letters, numbers, and special characters. Avoid using easily guessable information like birthdates or names.
- **Check ‘Sent’ and ‘Deleted’ Items**: Review your email's sent and deleted items folders for any unusual or unauthorized activity. If you notice emails you didn't send or emails you didn't delete, it's a sign that your account has been compromised.
- **Scan your devices for malware**: Run a thorough scan on your devices, including computers, smartphones, and tablets, to ensure they are not infected with malware that might have enabled the email hacking.
- **Update security information**: Check and update your email account's recovery email addresses, security questions, and phone numbers to ensure that only you can regain access if needed.
- **Revoke access to third-party apps**: Review and revoke access to any third-party applications or services that have access to your email account. Some compromised accounts result from malicious apps having access.
- **Change passwords on other accounts**: If you've used the same password for other accounts, change those passwords immediately to prevent hackers from gaining access to other services.
- **Contact your contacts**: If you believe your account sent malicious emails to your contacts, inform them that your account was compromised and advise them not to interact with suspicious emails.
- **Monitor account activity**: Regularly monitor your email account's activity log for any unauthorized access or unusual activity. Set up alerts if your email provider offers them.
- **Alert your email provider**: Contact your email provider's support or security team to report the compromise. They can provide further guidance and may help you recover your account.
- **Scan for stolen information**: Monitor your financial accounts, social media accounts, and other sensitive online accounts for any unusual activity. If you suspect sensitive information was stolen, take appropriate action.

Remember that the key to mitigating the damage of compromised email is acting quickly. By taking the appropriate steps, you can regain control of your account and minimize the potential damage caused by email hacking.

## How to check if email is compromised
Using a [Dark Web Monitoring](https://cyberpedia.reasonlabs.com/EN/dark%20web%20monitoring.html) tool is strongly recommended. By entering your email address, you can learn how to check if email is compromised and then take the necessary steps to alleviate the potential damage, using the action items listed above.

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## Compromised email: Should I delete my email if it was hacked?
If you suspect, or know for certain, that an email hacker has gained access to your account, your first priority should be to secure your account and prevent further unauthorized access. Deleting your email account may not necessarily be the best course of action, as it can have its own set of implications. Some factors to consider include:
- **Recovering control**: Before considering deleting your email account, focus on recovering control of the compromised account. As mentioned above, steps you can take include changing your password and enabling two-factor authentication.
- **Stolen information**: If the hacker gained access to sensitive information within your email account, deleting the account won't necessarily undo the damage. They might have already copied or stolen data before you took action.
- **Communication and accounts**: Email is often tied to various aspects of your online life, including communication, social media accounts, and online services. Deleting your email account could impact your ability to reset passwords and recover accounts tied to that email.
- **Personal and professional contacts**: Your email likely contains a history of personal and professional communication. Deleting your account could lead to loss of contact information, important emails, and more.
- **Recovery and evidence**: If you decide to pursue legal action against the email hacker, keeping the hacked email account might provide valuable evidence of the breach.

If you still feel that deleting the account is the best course of action, keep in mind that this decision should be carefully weighed based on the potential consequences and impact on your online presence. After recovering your account, take preventive measures to enhance your account security, such as regularly updating passwords, enabling two-factor authentication, and being cautious with emails and links. If you're unsure about what to do or have concerns about the security of your account, it's a good idea to reach out to your email provider's support for guidance. 

Ultimately, the decision to delete your account should be made after considering the potential benefits and drawbacks, as well as any practical implications on your online activities and communication. For more information on cybersecurity products that can help to protect against identity theft and enhance your personal cybersecurity, including [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection), [RAV VPN](https://reasonlabs.com/platform/products/vpn) and [Online Security](https://reasonlabs.com/platform/products/extension) for safer online browsing, visit [reasonlabs.com](https://reasonlabs.com/).

Recognize the signs if your email account has been hacked, and learn what preventative measures you can take.

Has My Email Been Compromised? 5 Signs It's Been Hacked

Messaging apps have become integral parts of our lives, offering convenient ways to stay connected with friends, family, and colleagues. [Telegram](https://telegram.org/) is one such popular messaging app, known for its security features and user privacy. However, like any other online platform, Telegram is not immune to scams. In this blog, we will explore what Telegram is, how scams operate on this platform, and most importantly, how to protect yourself from falling victim to these scams.

<VideoPlayer url="https://vimeo.com/945895183" />

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/>

## What is the Telegram app?
So, what is the Telegram app? Telegram is a cloud-based messaging app available on various platforms, including smartphones, tablets, and computers. It allows users to send text messages, multimedia files, and conduct voice and video calls. One of its key features is end-to-end encryption, ensuring that only the sender and the recipient can read the messages.

## Why do scammers use Telegram?
Scammers on Telegram have managed to manipulate the app for criminal gain in a bunch of different ways. But why do scammers use Telegram? They use it for several reasons:

- **Anonymity**: Telegram allows users to create accounts without revealing their phone numbers. This anonymity makes it difficult to trace scammers back to their real identities.
- **Encryption**: Telegram provides end-to-end encryption for messages, making it challenging for authorities to intercept and monitor scam communications.
- **Large user base**: Telegram is the [fourth](https://www.bankmycell.com/blog/number-of-telegram-users/) most popular messaging app globally and will reach more than 1 billion total users by the end of 2023.
- **Group chats**: Scammers can create large group chats to reach multiple people at once, increasing the efficiency of their scams.
- **File sharing**: Telegram allows file sharing, enabling scammers to send malicious files or links to potential victims, leading to various scams like [phishing](https://cyberpedia.reasonlabs.com/EN/phishing.html) or [malware](https://cyberpedia.reasonlabs.com/EN/malware.html) attacks.
- **Bots**: Telegram supports chatbots, which scammers can use to automate their scams, making it easier to reach a broader audience.
- **Geopolitical factors**: Telegram is sometimes favored by scammers from specific regions where the app might face less scrutiny or regulation compared to other messaging platforms.
- **Perceived security**: Some scammers and users wrongly believe that Telegram provides absolute privacy and security, making it an attractive platform for illicit activities.

## What are Telegram scams and how do Telegram app scams work?
So you might be asking, what are Telegram scams and how do Telegram app scams work? Well, Telegram app scams can take various forms, but they generally aim to deceive users into providing personal information, financial details, or access to their accounts. Here are some common methods used by scammers on Telegram:

- **Phishing scams**: Scammers create fake websites or login pages that resemble the official Telegram website. They trick users into entering their login credentials, giving scammers access to their accounts.
- **Fake customer support**: Scammers pose as Telegram support agents and contact users, claiming issues with their accounts. They request sensitive information, such as verification codes or passwords, under the guise of resolving the problem.
- **Investment scams**: Fraudsters promote fake investment schemes or cryptocurrency opportunities, promising high returns. Users are lured into investing money, only to lose it in the scam.
- **Fake surveys and contests**: Scammers create fake surveys or contests claiming users can win prizes or rewards. To participate, users are asked to provide personal information or pay fees, which are then stolen by the scammer.
- **Malware distribution**: Scammers send messages with malicious links or attachments. Clicking these links or downloading files can infect the user’s device with malware, compromising their data security.
- **Impersonation**: Scammers impersonate official entities, businesses, or even friends and family members. They use fake profiles and convincing language to deceive users into trusting them, leading to scams involving money, gifts, or personal information.
- **Investment scams**: Scammers promote fake investment opportunities, promising high returns with little risk. Crypto investment scams are prevalent on Telegram as users are lured into investing money, which is then stolen by the scammer. 
- **Romance scams**: Scammers create fake profiles and establish romantic relationships with users. They gain the user’s trust and later fabricate stories to extort money or gifts from them.
- **Ponzi schemes**: Scammers create schemes where new investors’ money is used to pay earlier investors, creating a false sense of profit. Eventually, the scheme collapses, and most investors lose their money.

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## How to identify a fake Telegram account or Telegram fake profile?
Figuring out how to identify a fake Telegram account or Telegram fake profile involves recognizing certain red flags and employing cautious behavior. Being vigilant and using common sense can go a long way in protecting yourself from fake Telegram accounts and potential scams. Scammers on Telegram are pretty nifty at setting up fake profiles - here are some tips to help you identify a fake Telegram account:

- **1. Profile Picture and Username**: Fake accounts often use generic or stolen profile pictures. Use reverse image search tools to check if the photo appears elsewhere on the internet. The username (beginning with @) and display name might not match. Check for inconsistencies between the two.
- **2. Activity and Content**: Fake Telegram accounts often have minimal activity, such as no posts, few contacts, or no profile details. Be wary of accounts sending unsolicited messages with suspicious links, asking for personal information, or promoting dubious schemes.
- **3. Contact Details**: If the account provides contact details in the bio or description, cross-verify them independently. Fake Telegram accounts often use false contact information.
- **4. Profile Details**: Fake Telegam accounts might lack detailed profile information. Legitimate users often provide additional details about themselves. Poor grammar and spelling mistakes in the profile description or messages can indicate a fake account.
- **5. Verification and Official Accounts**: Some public figures or businesses have verified accounts, indicated by a blue checkmark next to their name. Verify if the account is genuine. Cross-verify information provided on the Telegram account with official websites or social media profiles of the person or organization.

## What are Telegram crypto scams?
What are Telegram crypto scams? Telegram crypto scams a fraudulent schemes that occur on the Telegram messaging app and involve cryptocurrencies. Scammers use various tactics to deceive individuals into investing in fake or non-existent cryptocurrency projects, promising high returns or exclusive opportunities. These scams often take advantage of the decentralized and semi-anonymous nature of cryptocurrencies, making it challenging to trace the perpetrators. Here are common types of Telegram crypto scams:

- **Fake Initial Coin Offerings (ICOs)**: Scammers create fake ICOs, promising a new cryptocurrency with revolutionary features. They persuade investors to buy tokens, which turn out to be worthless or non-existent.
- **‘Pump and Dump’ schemes**: Scammers artificially inflate the price of a low-cap cryptocurrency by spreading positive news or rumors. Once the price rises, they sell off their holdings, causing the price to plummet and leading to losses for unsuspecting investors.
- **Impersonation**: Scammers impersonate well-known personalities or cryptocurrency experts and offer investment advice or partnership opportunities. They lure people into investing in projects or sending funds, which are then stolen.
- **Phishing scams**: Scammers send phishing links claiming to lead to legitimate cryptocurrency exchanges or wallets. Unsuspecting users enter their login credentials, which are then stolen for unauthorized access.
- **Airdrop scams**: Scammers promise free tokens through airdrops but ask for a small payment or personal information upfront. Once the payment is made, the tokens never materialize.
- **Malware and fake wallets**: Scammers distribute malicious software or fake cryptocurrency wallets on Telegram. When users download and use these applications, their funds are stolen.
- **Multi-level marketing (MLM) scams**: Scammers create MLM schemes where users earn commissions by recruiting new investors. These schemes collapse, causing significant losses for participants.

In order to protect yourself from Telegram crypto scams you should thoroughly research any cryptocurrency project or investment opportunity before committing funds. Check the team's credibility, project details, and community reviews. Also, avoid unrealistic returns by retaining skepticism of investments promising guaranteed or unusually high returns. If it sounds too good to be true, it probably is. Finally, only use reputable and secure cryptocurrency wallets. Avoid clicking on wallet-related links in unsolicited messages.

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## What are Telegram job scams?
If you are wondering what are Telegram job scams, you've come to the right place. Telegram job scams refer to fraudulent schemes or deceptive activities that occur on the Telegram messaging app, where scammers pose as employers or recruiters to deceive job seekers. These scams aim to exploit job seekers by offering fake job opportunities, promising high salaries, flexible working conditions, or career advancements, and then tricking them into providing personal information, paying fees, or even conducting illegal activities unknowingly. Common tactics used in Telegram job scams include:

- **Fake job postings**: Scammers create enticing job advertisements for positions that don't exist or are misrepresented, luring job seekers with attractive offers.
- **Phishing**: Scammers send phishing messages or emails pretending to be from reputable companies. They ask for sensitive information, such as Social Security numbers or bank account details, under the guise of a job application process.
- **‘Work-From-Home’ scams**: Job offers that promise easy work-from-home opportunities with high earnings often turn out to be scams. Victims are asked to pay upfront fees or purchase starter kits that never materialize.
- **Overpayment scams**: Job seekers might receive a fake job offer where they are asked to process payments for a company. The scammers send a fraudulent check, ask the victim to cash it and send a portion back, leaving the victim responsible for the entire amount when the check bounces.
- **Illegal activities**: Scammers might pose as employers offering jobs that involve illegal activities, such as money laundering or reshipping stolen goods. Job seekers unwittingly become accomplices in these crimes.
- **Fake interviews**: Scammers conduct fake job interviews via messaging apps, convincing applicants they have been hired and then asking for personal information or payment for background checks or training.

To avoid falling victim to Telegram job scams,  research the company thoroughly before applying. Legitimate companies will have a professional online presence, including a company website and social media profiles. Be cautious of job offers that require upfront payments for training, equipment, or background checks. Legitimate employers cover these costs. Verify the contact details provided in the job listing. Be cautious if only a Telegram number or email address is provided without any other contact information. Finally, If you encounter a suspicious job offer or a potential scam, report it to Telegram and other relevant authorities.

## How to not get scammed on Telegram
Finally, let's go over how to not get scammed on Telegram. Now, helping others avoid scams is essential and if you suspect a Telegram scam and scammers on Telegram, you should report suspicious messages, groups, or individuals to Telegram and relevant authorities. By staying informed, exercising caution, and using secure practices, you can significantly reduce the risk of falling victim to Telegram crypto scams:

- **Verify contacts**: Only accept friend requests or messages from people you know. To avoid Telegram messenger scams, do not engage with unknown contacts or suspicious messages
- **Enable two-factor authentication**: By activating [two-factor authentication (2FA)](https://cyberpedia.reasonlabs.com/EN/two-factor%20authentication%20(2fa).html) in your Telegram account settings, this provides an extra layer of security, requiring a verification code in addition to your password for access.
- **Beware of impersonators**: Official Telegram representatives will never ask for your password or verification codes. Be cautious of anyone claiming to be from Telegram requesting such information.
- **Avoid sharing sensitive information**: Never share sensitive information like passwords, verification codes, or financial details with anyone, even if they claim to be from Telegram support.
- **Keep software updated**: Regularly update the Telegram app and your device’s operating system to ensure you have the latest security patches and features. Use cybersecurity software such as ReasonLabs' [Online Security](https://reasonlabs.com/platform/products/online-security) to help you and your devices stay protected.
- **Educate yourself**: Stay informed about common scams and techniques used by scammers. Being aware of their tactics can help you recognize potential threats.

While the Telegram app offers secure communication, it’s essential to remain vigilant and proactive in protecting your account from scams. By following the preventive measures outlined in this blog, you can enjoy the benefits of Telegram while safeguarding your personal information and financial security. Stay alert, trust your instincts, and report any suspicious activity to both Telegram and relevant authorities to help combat scams on the platform. For more information on other prevalent scams that are occurring on messaging apps and social media platforms, visit [https://reasonlabs.com](https://reasonlabs.com).

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While the Telegram app offers secure communication, it’s essential to remain vigilant and proactive in protecting your account from scams. Follow the preventive measures outlined in this blog to enjoy the benefits of Telegram while safeguarding your personal information and financial security. 

Telegram Messenger App Scams - How To Not Get Scammed

It can be very distressing to discover that your Facebook account has been hacked, and your data violated, but taking swift action and increasing awareness can help you regain control and protect your privacy. 


My Facebook Account Is Hacked & Email Changed! What To Do?

My Facebook Account is Hacked & Email Changed! What to Do?

Our online lives are becoming more intertwined and increasingly complex. From digital banking to remote work, e-commerce to gaming, we leave vast amounts of our personal information scattered throughout the digital world. While the conveniences of these online services are clear, they also expose us to data breaches, online scams, and cybercrimes that can wreak havoc on our physical lives and those of our loved ones. 

Using robust cybersecurity software or setting up protocols like [Two-Factor Authentication (2FA)](https://cyberpedia.reasonlabs.com/EN/two-factor%20authentication.html) is essential. But, having cyber insurance can guarantee that even if you fall victim to a scam or ransomware attack, you won’t suffer the financial consequences. Cyber insurance and identity theft protection, like that offered through [Online Security](https://onlinesecurityext.com), serve as a financial safety net to help you in the event of suffering financial loss from an online scam. The following article will dive deep into the world of cyber insurance, answering all your questions and empowering you to make informed decisions on how to stay protected online.


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## What Is Cyber Insurance For Consumers?
So what is Cyber insurance? Well, cyber insurance is a highly specialized insurance policy that’s designed to protect individuals and their families from any financial losses that originate from an online scam or an advanced cyberattack. These attacks can include but are not limited to: 

- **Identity Theft**: This is the unauthorized use of personally identifiable information such as your social security number, bank details, or your phone number. Often they are used to set up fraudulent bank accounts, run up credit card debt, or commit tax fraud.
- **Data Breach**: A [data breach](https://cyberpedia.reasonlabs.com/EN/data%20breach.html) occurs when a company suffers a hack and its customer data gets released online. The [recent hack](https://www.reuters.com/technology/cybersecurity/hack-unitedhealths-tech-unit-impacted-100-mln-people-2024-10-24/) of UnitedHealth saw more than 100 million people’s personal information being leaked on the dark web.
- **Phishing**: These attacks are not new, however they still plague consumers. Common phishing attacks occur through email or SMS and with the advancement of AI, are getting much harder to spot with the naked eye.
- **Advanced Malware**: Advanced types of malicious software (malware) continue to get distributed online through download portals, torrents, malvertising, and more.
- **Fraud**: Online fraud that stems from illegal transactions on stolen credit cards or bank account details is extremely commonplace now that we all live highly connected lives.
- **Ransomware**: This type of advanced cyber attack is often perpetrated against large organizations, however, attacks like [WannaCry](https://www.csoonline.com/article/563017/wannacry-explained-a-perfect-ransomware-storm.html) specifically target home users. 

## What Does Consumer Cyber Insurance Cover? Types of Identity Theft Coverage
Identity theft and cyber insurance can vary depending on the policy set up by the provider. However, there are some typical types of coverage which often include: 
- **Identity Theft Recovery**: This will cover expenses that are needed to restore your identity after it gets stolen through an online scam or hack. This could include legal fees, lost wages, credit monitoring costs, and even time spent due to restoration. 
- **Fraud**: Losses resulting from fraudulent purchases made with your credit card or bank account are often covered up to a specific monetary amount. 
- **Ransomware or Extortion**: This will cover some or all of the cost associated with a ransom payment.
- **Recovery of Data**: This will cover the cost of recovering any important lost data from your devices that stem from a cyberattack or hardware failure due to malware.
- **Legal and Support**: Provides access to legal and IT professionals who can assist you in resolving the cyber incident.

## Benefits of Consumer Cyber Insurance
There are numerous benefits to consumer cyber insurance including financial portection for lost money up to a pre-determined account, and restoration services to help you recoup those losses faster. But arguably the top benefit to consumer cyber insurance is the peace of mind you get in knowing that you are protected. Having a digital safety net in place will give you the added benefit of comfort when doing things like online shopping or even just surfing the web. 

## Understanding Exclusions And What Cyber Insurance Does Not Cover 
Equally as crucial as understanding what you are covered for is understanding what cyber insurance does not cover. Before assuming your cyber insurance policy covers everything, carefully review the details. Again, this will differ by provider, but some common common exclusions are:
- **Intentional acts**: Losses caused by your intentional actions.
- **Pre-existing conditions**: Problems that existed before you purchased the cyber insurance policy.
- **Business-related activities**: Losses related to your business activities.

Contact your provider to clarify any exclusions that may be listed within your policy and ensure the coverage aligns with exactly what you need.

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/>

## How Much Does Consumer Cyber Insurance Cost?
Answering the question, “What does cyber insurance cost?” is a bit difficult. The cost of a cyber insurance policy often depends on several factors determined by the insurance provider. These could include the level of coverage requested - the more comprehensive the more it could cost. The cost could also be determined by your desired deductible, meaning how much you want to pay out of pocket before the insurance kicks in. Some cyber security insurance coverages can be a part of a larger security offering, like that of [Online Security](https://onlinesecurityext.com) by [ReasonLabs](https://reasonlabs.com), which provides coverage alongside other cyber security tools for U.S. residents.

## The Importance of Identity Theft Protection
Identity Theft is an extremely prevalent form of cybercrime and an issue that everyone should be concerned about. [According to the FTC](https://www.ic3.gov/AnnualReport/Reports/2023_IC3Report.pdf), U.S. residents lost more than $12.5 billion due to online scams in 2023 alone. Suffering from identity theft can leave long-lasting consequences such as major financial losses. Recouping losses from identity theft is not always easy and often requires lots of time and effort. Identity theft can also present mental health problems as anxiety and frustrations associated with having your identity stolen are very common.

## Selecting the Right Cyber Insurance Coverage and Identity Protection
Taking the time to choose the right cyber insurance coverage and identity theft protection provider involves some careful consideration. Everyone’s needs are different, so first it’s important that you nail down what your exact requirements are. This could differ based on what you do online, or how much time you spend in your digital world. You should also consider a comprehensive solution that can protect you in more ways than one, vs. a provider that only offers a single type of coverage or protection.

## How ReasonLabs’ Cyber Security Insurance Can Help
Together with its Online Security platform, ReasonLabs offers U.S. residents a comprehensive and robust cyber security insurance plan to aid in the fight against identity theft. The cyber insurance policy will reimburse you for out-of-pocket expenses for up to $1,000,000 and will provide benefits for things like lost wages, child care, legal conslulations, or travel expenses. You can also receive identity theft restoration services that can take the burden off of you in the event that your identity is stolen. With Online Security, you can use [identity theft protection](https://reasonlabs.com/platform/products/identity-theft) tools like monitoring your credit score or personally identifiable information for changes or leaks on the dark web. You can set up custom scans of your device to look for malware or other harmful files that could lead to an attack in the future. By understanding the risks and investing in appropriate cyber insurance and identity protection, you can safeguard yourself and your family from the devastating consequences of cybercrime. 

Visit [ReasonLabs.com](https://reasonlabs.com) to learn more.

We will dive deep into the world of cyber insurance, answering all your questions and empowering you to make informed decisions on how to stay protected online.

shutterstock_2459152481.jpg

What Is Cyber Insurance? All You Need To Know

It’s almost impossible these days to keep up with what games are popular online - never mind how to play them! Aside from anything else, it’s extraordinary to see how easily the younger generation picks up online game rules, techniques, and maneuvers while their parents are left scratching their heads at what seems like an impossible game to decipher. Gacha Games are a relatively new genre of online gaming, whose popularity is on the rise. But what is gacha, who is playing gacha games, and what are the risks? Here’s everything you need to know.

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/>

## Gacha games - “gacha” meaning
So, what is a Gacha game? “Gacha” comes from the Japanese word “gachapon” - an onomatopoeic term connecting the sound "gacha” for the hand-cranking action of a toy-vending machine, and "pon" for the toy capsule landing in the collection tray. “Gacha games” are a type of mobile game that involve players spending in-game currency or real money to obtain random virtual items, characters, equipment, or units through a virtual lottery or “vending machine”, often in the form of randomized rewards known as "gacha pulls" or "loot boxes." These items may be used to enhance gameplay and further progress in the game by buying chances to get better or rarer items, or simply for collection purposes.

## What is a gacha game?
Gacha games typically have a strong emphasis on social features, such as multiplayer modes or player rankings, and may offer regular events or updates to keep players engaged. While gacha games are popular and lucrative, they have also been criticized for their addictive nature, predatory monetization practices, and potential for encouraging gambling behavior.

## Who plays gacha games?
Gacha games are played by a wide range of people of different ages and backgrounds. Gacha games are particularly popular among gamers who enjoy collecting and customizing characters, as gacha games often involve collecting virtual items and characters through randomized draws. In general, gacha games are popular among gamers who enjoy mobile gaming, as they are often designed to be played on smartphones and tablets. However, gacha games can also be played on other platforms, such as PC and consoles.

## What is Gacha Heat?
Gacha Heat consists of user generated content who upload things TikTok and YouTube. The content is often deemed inappropriate and could be seen as offensive. This content has in the past included sexual topics and things related to violence. Gacha Heat is problematic because it often uses Gacha characters and art. Kids might see these characters and think it's appropriate content for them. Ensure your kids are watching safe content and help them if they are not.

## Why is gacha popular?
Gacha games have become increasingly popular in recent years and many games of this type use anime or manga-style graphics and storytelling. Players can use their collections of virtual items to battle other players, progress through the game's story, or simply collect and show off their favorite characters. What makes gacha popular though? There are probably several reasons we can attribute to the growth in popularity of gacha games:

- **Accessibility**: Gacha games can be easily downloaded and played on mobile devices. Additionally, gacha games’ variety of characters and items that can be randomly obtained creates a sense of excitement and anticipation for players.
- **Sociability**: Another factor contributing to the popularity of gacha games is the social aspect of the games. Many gacha games form strong communities of players who can share information, strategies, and experiences with each other.
- **Engagement**: Gacha games are also very engaging, as they offer regular updates and events which can keep players motivated to continue playing. These updates and events may introduce new characters, items, and storylines, which can offer a sense of freshness and variety to the game.

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  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## Gacha Games Mobile - Android and iOS
As mentioned above, Gacha games mobile - Android and iOS can be played on the go, this makes them easily accessible and can offer regular new and evolving content. Some of the most popular gacha games for mobile play on the market include some legendary favorites - Pokémon Masters, Marvel Strike Force, and Nintendo’s Fire Emblem Heroes - as well as some newer creations such as Arknight and Azur Lane.

## Gacha games - Gacha Life
One of the most popular gacha games is Gacha Life, a mobile game app developed and published by Lunime. Players can create their own anime-style characters and customize their appearance, outfits, and accessories using a wide variety of clothing items and accessories. The game also features a studio mode where players can create their own scenes, skits, and stories using their customized characters. Users can also interact with other players.

Gacha Life is not a gacha game in the traditional sense. While the game does feature a gacha system where players can spend in-game currency to obtain randomized items such as clothing, hairstyles, and accessories, the focus of the game is not on collecting rare or powerful characters. Rather, the gacha element is a way for players to expand their options for customizing their own characters. In this game, players can earn virtual currency and spend it on "gacha" machines to obtain rare clothing and accessories for their characters. Gacha Life has gained popularity among young people and has also become a platform for creating and sharing user-generated content, including skits, animations, and music videos featuring Gacha Life characters.

## Is Gacha LIfe safe for children?
Gacha Life has an age-rating of 9+ on the iOS App Store. Interestingly, it has a rating of 'Everyone' on the Google Play Store. Some of the elements parents should be aware of are the chat features, the many ways to make in-app purchases, and the frequent in-game ads. There have been reports of strangers reaching out to kids with inappropriate images of themselves, so it’s important to talk to you rkids about these matters. Many parents do not know this but you are able to request a review and/or removal your kid's information at anytime. You can simply contact Gacha Life and they will handle your request.

## Are Gacha games dangerous?
Are Gacha games dangerous? Gacha games have some potential risks and dangers, particularly for vulnerable individuals such as children, teenagers, or individuals with gambling addiction tendencies. So what could make a gacha game dangerous? Some gacha games have faced criticism for their monetization practices and for promoting gambling-like behavior among players. These games often use randomized mechanics to distribute rewards and offer various forms of in-game purchases, which can lead to addictive behavior or excessive spending.

Players can become emotionally invested in their virtual items and experience distress or depression when they fail to acquire desired items or lose them. Furthermore, some gacha games may feature inappropriate content, such as violence or sexually suggestive imagery, which can be harmful to younger players. However, it is important to note that not all gacha games are synonymous with being dangerous or harmful. Some gacha games may contain content that is more geared toward children, while others may be more geared toward adult gamers. Some games may offer fair and transparent reward systems, and age-appropriate content, and provide players with a fun and enjoyable experience.

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Even so, as with any form of online entertainment or gaming, it is essential to be aware of the potential risks and take appropriate measures to ensure safe and responsible gameplay:

- Parents and guardians should monitor their children's gaming habits, and understand how the gambling aspect of gacha games is utilized to verify if it’s appropriate.
- Speak to your child about using any kind of currency online, whether it’s crypto or other - set clear spending limits and decide depending on their age and level of responsibility what is and isn’t acceptable, both from financial and security perspectives.
- Setting clear screen time limits is also recommended as these kinds of games can prove very addictive.
- Stranger danger can also be a concern, and as such, be aware of any online gaming communities your child may wish to join through gacha games.

To learn more about the ReasonLabs' Parental Control App, vsit [ReasonLabs.com/](https://reasonlabs.com).

Gacha Games are a relatively new genre of online gaming, whose popularity is on the rise.

shutterstock_2143217809.jpg

What Is A Gacha Game? Everything You Need To Know

The threat of [identity theft](https://cyberpedia.reasonlabs.com/EN/identity%20theft.html) and financial fraud looms larger than ever before as society continues to evolve into the online world. These threats driven by cybercriminals and scammers can have lasting effects on our digital and physical lives, impacting our finances and emotional well-being. When money is lost or bank accounts and credit cards become compromised, it requires an extraordinary amount of effort to try to resolve the situation. The same goes for any emotional toll taken - victims often feel violated and anxious about how or when the situation can get resolved. This article will dive into the topic of identity theft, identity recovery, disputing fraudulent charges, and offer insights as to how you can reclaim your identity. 

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  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## Fraudulent Charges and Identity Theft: What You Need to Know and Do
Fraudulent charges occur when transactions are made on your credit card, bank card, or any other financial account without your consent or knowledge. Fraudulent charges can be part of the larger crime of identity theft, which involves the stealing of sensitive personal information, such as bank account information, Social Security numbers, or others. These two issues often overlap, as seeing fraudulent transactions on your behalf is a telltale sign of broader ongoing identity theft. 

The impact of identity theft and unauthorized fraudulent charges made on your accounts can be devastating. There may be financial consequences such as taking on unexpected expenses, having to improve your credit score, or facing difficulties when needing to secure some type of loan. You could likely feel stress or anxiety about the situation and it could take a real tole on your mental well-being. You may also face issues with the government or the IRS when it comes time to file your taxes. Below is a guide you can use if you need to dispute fraudulent charges, go through the identity recovery process, and take proactive measures to protect your identity from incidents in the future. 

## Step 1: Identifying Fraudulent Charges

### Spotting the Signs of Fraudulent Activity
The best defense against financial fraud is a good offense. Perform regular reviews of your financial statements and credit card bills so you can detect unauthorized activities as soon as they appear. Lookout for the following signs: 

- **Unfamiliar charges**: Carefully comb through each transaction on your financial reports and through your online account activities. Look for charges you don't recognize, especially small amounts. Notice the date, merchant name, and transaction amounts, and make sure you have a recollection of the charge.
- **Questionable account activity**: Stay alert for unusual activities on your accounts. These could be anything from new account openings to changes in your personal information. 
- **Small charges**: Small and seemingly insignificant charges could be a sign of financial fraud or identity theft. Researchers from ReasonLabs’ Threat Intelligence Center authored a [credit card scam report](https://reasonlabs.com/research/credit-card-scam-report) where they found fraudsters were making small monthly charges on stolen credit cards that went unnoticed.  
- **Charges from strange locations**: When you see transactions from unfamiliar locations or merchants you do not recognize, exercise caution. It’s better to be suspicious and do a manual check of the location before dismissing the charge. 
- **Duplicates**: Having duplicate charges on your account is another sign of possible fraud. Always double-check and contact the merchant if you find a double charge. 

### What to Do First
You must act fast once you discover a suspicious activity that you think could be a fraud. Consider the following:
- **Freeze your credit cards or accounts**: Contact your bank immediately and have them place a freeze on your accounts. This should prevent further unauthorized transactions from taking place.
- **Change your passwords**: Change the passwords for all your online accounts. This is especially important for your bank, email, and social media accounts.
- **Utilize fraud alert tools**: Take advantage of an [Identity Theft Protection](https://reasonlabs.com/platform/products/identity-theft) tool, like that of [ReasonLabs](https://reasonlabs.com), to get alerts when suspicious activities occur on your accounts.

## Step 2: Disputing Fraudulent Charges

### Contacting Your Bank or Card Issuer
Reporting fraudulent charges to your bank or credit card issuer is an absolute must-do. You should contact either of them as soon as possible by phone, email, or through their online support channels. Make sure you compile any relevant documents that can back up your claim of fraud. These could include receipts, account statements, or specific communications you might have had with a supplier or merchant.

### Filing a Fraud Dispute
After you make your initial report to your bank or credit card issuer, you should then file a formal dispute. Every bank has a slightly different process when filing an official dispute, many of which can easily be found on their website or with the help of a customer support agent. Again, be sure to keep your records organized so you can return back to them as needed.

### Understanding Your Rights
In the United States, various consumer protection laws are in place to protect your rights in case of fraudulent charges. One specific law is the [Fair Credit Billing Act (FCBA)](https://www.ftc.gov/legal-library/browse/statutes/fair-credit-billing-act). The FCBA limits your liability for unauthorized charges to $50 if you report the loss or damages before unauthorized charges are made. 

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  buttonLabel="Check Now For Free."
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  imageSource="https://cms-reasonlabs-com.s3.amazonaws.com/cdn/Group_17178_53b9a3ccc5.png"
/>

## Step 3: Reclaiming Stolen Identity

### Reporting Identity Theft to Authorities
Reporting identity theft to authorities should be nonnegotiable. In the United States, you can report identity theft to the Federal Trade Commission (FTC) at [IdentityTheft.gov](https://identitytheft.gov). Doing so will create an Identity Theft Report - a critical document that you will need when you begin to try and recover your identity. Following your outreach to the FTC, you should take the time to contact local law enforcement and provide them with information about your case. Filing a police report will help them gain knowledge and understanding about the scam, potentially leading to an arrest or capture of the scammer in the future.

### Contacting Credit Bureaus
Safeguarding your credit is an essential part of identity recovery. You should contact the three credit bureaus, [Experian](https://www.experian.com/), [Equifax](https://www.equifax.com/), and [TransUnion](https://www.transunion.com/), to have them place fraud alerts, as well as credit freezes, on your reports. 

### Monitoring Your Accounts and Credit
If you monitor your accounts and your credit score frequently, you will know about potential issues as soon as they arise. Regularly obtaining your credit report is easy and free from any of the bureaus listed above. Identity Theft Protection and other cyber security services should also be utilized so you can get real-time alerts of any suspicious activities on your accounts. 

## Preventing Future Fraud And Identity Recovery

### Proactive Steps for Fraud Prevention
Preventing future fraud by taking proactive steps for fraud prevention is critical to make sure you don’t fall victim to identity theft again. 
- **Enable 2FA and use strong passwords**: When you are creating passwords, use strong and unique combinations for all your online accounts. Enabling 2FA will also give you an added layer of security. 
- **Don’t use public Wi-Fi without a VPN**: If you must use public Wi-Fi, use a [Wi-Fi VPN](https://reasonlabs.com/platform/products/vpn) to enhance your privacy and security. 
- **Software updates**: Be sure to install [next-gen antivirus](https://reasonlabs.com/platform/products/endpoint-protection) software and keep your apps and operating system up to date to avoid using unpatched systems. 
- **Look out for phishing scams**: Exercise caution when you receive suspicious emails, texts, or phone calls that request sensitive personal information. 

### Using Identity Protection Tools To Fight Financial Fraud
The fight against identity theft and online fraud is made possible by many different types of systems and tactics. Using identity protection tools will give you an extra layer of security that many scammers cannot beat. ReasonLabs’ [Online Security](https://onlinesecurityext.com) platform can protect you and your devices from advanced cyber threats and digital scams.  

## Take Control: Dispute Fraudulent Charges and Protect Your Identity
Jumping into action as soon as you suspect foul play by disputing fraudulent charges and reclaiming your identity. By staying vigilant, taking proactive measures, and taking advantage of an array of available resources, you can significantly reduce your risk of becoming a victim of financial fraud and identity theft. For more information visit [ReasonLabs.com](https://reasonlabs.com). 


This article will dive into the topic of identity theft, identity recovery, disputing fraudulent charges, and offer insights as to how you can reclaim your identity. 

Jingle Bells Are On Their Way! Beware Of These Christmas Scams

Complete security for your device, privacy and identity.