The use of the internet by seniors is increasing, with more people doing their banking, purchasing, bill paying, and other tasks online. However, at the same time, we are seeing an increase in scams on the internet, and older people are a vulnerable population to becoming victims of these scams. In 2021, Australians over 65 lost approximately $82 million to scams.[1] At Home Care Assistance, we know this can be a great concern for older Australians and their loved ones. We have put together this blog which is the first of a two part blog series on internet scams and basic internet safety practices to help keep you safe online.
Understanding Common Online Threats
Before diving into safety tips, it’s important to recognise the most common online threats. Knowing what to watch out for can make a significant difference in staying safe.
- Phishing Scams. Phishing is a common tactic used by cybercriminals to steal personal information. These scams typically involve deceptive emails, texts, or websites that appear to be from legitimate sources, such as banks or popular online services. The goal is to trick you into providing sensitive information, such as passwords or credit card numbers.
- Identity Theft. Identity theft occurs when someone uses your personal information without your consent, often to commit fraud. This can happen through phishing scams, data breaches, or by accessing information you’ve shared online. It is essential to protect your personal information.
- Malware and Viruses. Malware is malicious software designed to harm your computer or steal your data. Viruses are a type of malware that can spread from one computer to another. These threats often come from downloading unknown files, clicking suspicious links, or visiting insecure websites.
- Online Fraud Online fraud can take many forms, including lottery scams, fake charities, and investment fraud. These scams typically ask for money or personal information in exchange for false promises. It’s important to be cautious of unsolicited offers or financial information requests.
Basic Internet Safety Practices
Implementing basic internet safety practices can help protect you from many of the common threats mentioned above. Here are some essential tips:
- Creating Strong Passwords. A strong password is your first line of defense against hackers. Use a combination of letters, numbers, and special characters to create unique passwords for your online accounts. Avoid using easily guessed information, such as birthdays or pet names. Consider using a password manager to store and manage your passwords securely so you do not need to remember them all.
- Recognising and Avoiding Phishing Scams. Be wary of unsolicited emails, texts, or messages that ask for personal information or prompt you to click on a link. Always verify the sender’s identity before responding. If you receive an email from a bank or online service, visit their official website directly rather than clicking on any links provided in the email. When in doubt, delete the message and contact the organisation directly to confirm its legitimacy. To do this, use the contact details provided online, not from the email you were sent.
- Beware of Anything that Creates a Sense of Urgency. Some scammers will create a sense of urgency; for instance, someone tells you that your bank details are compromised and you must transfer your money immediately or that your bill is overdue, and if you do not pay it immediately, you will be arrested. These scams create panic and then use that panic to get you to comply.
- Legitimate Payments Do Not Need to be Made in Gift Cards or vouchers. It is a scam if someone says you owe money that must be paid in gift cards. Do not buy gift cards for payments.
- Keeping Personal Information Private. Be mindful of the personal information you share online, especially on social media. Avoid posting details such as your address, phone number, or financial information. Scammers can use this information to target you for fraud or identity theft. Review your social media privacy settings to control who can see your posts and personal details.
- Using Secure Wi-Fi Networks Public Wi-Fi networks are often less secure than private ones, making them a target for hackers. Avoid conducting sensitive transactions on public Wi-Fi, such as online banking or shopping. If you must use public Wi-Fi, consider using a Virtual Private Network (VPN) to encrypt your internet connection and protect your data.
What to Do if Something Goes Wrong
Even with the best precautions, things can sometimes go wrong. Here’s what to do if you suspect a security breach or fall victim to a scam:
- Steps to Take After a Security Breach. If you believe your account has been compromised, change your passwords immediately and enable two-factor authentication. Check for unauthorised activity on your accounts and contact your bank or credit card company.
- Reporting Scams and Fraud. Report online scams to the authorities or the platform where the scam occurred. Reporting scams helps protect others from falling victim to the same scheme.
- Getting Help. If you need assistance with online security or recovering from a scam, don’t hesitate to ask for help. Contact tech-savvy family members, friends, or professionals who can provide guidance and support.
The internet is a fantastic tool for staying connected and getting things done, such as paying bills. However, it can also be taken advantage of. If you are ever concerned something is a scam, check it out first. If you ever think you have been scammed, acting quickly is essential. If you do not feel able to handle it yourself, call a friend or family member to help. Check out next month’s blogs for the second part of this series on internet safety
Support at home from a specialist provider, such as Home Care Assistance, can bring enormous benefits and comfort to your quality of life while living independently at home. Home Care Assistance has viable solutions when it comes to supporting independent living. For more information, get in touch with a Home Care Assistance near me today.
[1] https://www.choice.com.au/health-and-body/healthy-ageing/ageing-and-retirement/articles/scams-affecting-senior-australians
