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Learn about different types of scams and spams, how to spot them, and ways to protect yourself online. Don't fall victim to online fraud!
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Lisa Anderson & Scott Jeffery October 2 & 3, 2015
CONFIDENTIALITY Confidentiality – Keep information in Room. Important in any open discussions. Please do not use names – keep private. Respect the privacy of people in our group today – no judge.
AGENDA What is the difference between Scams and Spams? What types of scams are out there that I should be know about or be aware of? Sharing personal experiences. Real or Fake? How do I know? Playing it smart – How to prevent.
Internet User Stats vs. Safety Virtual Banking Users - Which one are you??
Introduction “Every year, Canadians lose millions of dollars to the activities of scammers who bombard us with online, mail, door-to-door and telephone scams” “The Little Black Book of Scams” – 2012
SCAMS SPAMS Scams vs. Spams • Have a goal to TAKE something from you • Try to GIVE you something FOR SOMETHING from you (give you love for your money, example) • Try to GET or TAKE your money, identity or personal information • Lie, offer something, for greed or gain • Rip you off • Illegal • Advertising, beg that you did not ask for, and you do not want • Says useless stuff • Actual informationmay be legal, ie. Offer for money, insurance, college degree on line, etc. • Send for fun, Annoying, like JUNK MAIL • Pop up windows • Unpleasant, Undesirable, but Legal
What is a Scam? A scam is when someone TRY to trick a person after first gaining their trust
More about Scams.. • A "scam" is a fraud planto cheat you out of your money. • This looks like advertisement - such as ”HELP WANTED” • Always involves YOU SEND money to someone else and GETNOTHING BACK.
What kind of scams are out there? • Lotteries and contests • Pyramid Plan • Money transfer requests • Internet Scams • Mobile Phone Scams • Health and Medical Scams • Emergency Scams • Job and Employment Scams • Small business Scams • Services Scams • Moving Scams • Dating and Romance Scams • Donation Scams • Identity Theft (incl. Facebook)
Dating & Romance Scams “Dating and romance scams try to lower your defenses by capture your love feelings(romantic and compassionate side).” • Chaseyou into dating and romance website. • Hook you in by continuing to send you a email filled with talk of love. • Building a friendship with you, by sending you flowers or small gifts. • Then when in love (relationship”, will ask for money to transfer out of country.
Internet Scams • You will get replies from millions of emails they send out –don’t click unsubscribe • Email from sender you do not know, is not specifically addressed to you is highly likely to be SPAM. “A lot of Internet scams happening without you noticing.” Use the internet to promote fraud through “did not ask for” or junk emails known as SPAM.
Money Transfer requests • The Nigerian scam are increasingly referred to as “advance fee fraud”. • A lawyer or bank representative advising that a long-lost family member of yours has died and left you a huge money from will. “Once you send money to someone, it can be hard, and impossible, to get your money back.”
Identity Theft “Identity theft happens when someone takes the personal information of another person and use it without their knowledge or consent.” • Identity thieves steal your name and other pieces of personal information • Credit Card, SIN, Driver License, etc… • Once they steal the information, identity thieves invade your personal and financial life.
Moving Scams Lisa’s experience • CRAIGSLIST: “$800 / 2br - 900ft² - Burnaby Royal Oak skytrain station 2 bedroom condo for rent (Burnaby)” • Wont give key until payment • Mail key not meet at apartment to look at place • Pictures deceiving – “too good to be true” • Secretary phoned number, investigate address, and management company and found fraud.
Moving Scams My name is Jude Butler own the 2 bedroom and 2 Bath home and its located @ 5155 Watling St, Burnaby, BC V5J 1W5, Canada. and also want you to know that it was due to my transfer that makes me my wife and son to leave the house and also want to give it out for rent and looking for a responsible person that can take very good care of the property has we will be here for 3 years. as we are not after the money for the rent but want it to be clean at the time and the person that will rent it to take it as if it were its own. So for now, We are here in west Africa and put all our worries off concerning the maintenance of the apartment. since we are not residing there for now. We left behind some Facilities and electronics which include the rent, and a DVD player, air conditioning, alarm system. The kitchen is fully equipped with all necessary cooking utensils, freezer, four-hob and oven, microwave, dishwasher and washing machine, our Computer is Connected with Internet Access and a good parking space. Also the keys to the House are right here with us. Which we can send to you after all necessary agreement has be accepted. all we want is your absolute maintenance of our apartment is most important thing so, I want you to get back to me with the Application form below
Moving Scams RENT APPLICATION FORM 1)Your Full Name? 2)Your Full Address & Phone Number? 3)How old are you? 4)Are you married? 5)How many people will be living in the house? 6)Do you have a pet? 7)Do you have a car? 8)Occupation? 9)When do you want to move in? 10)How long do you want to stay in my apartment? 11)Pictures of all the Occupant that will stay in my apartment?
Moving Scams One Mr Jones Michael called us about the apartment, I told him that we can't give him the apartment because he loves smoking, drinking and don't want him to get drunk and damaged our property. the rent is $800 Per month No extra fee. I will also like you to give us a call to know how serious you are. below our phone number 002348067437344 OR +2348067437344 I personally will actually come visiting you sometimes during the yearas our new tenant but, will not be sleeping in the apartment with you for your privacy. Looking forward to hear from you with all this details so that i can have it in my file in case of issuing the receipt for you and contacting you. Await your urgent reply so that we can discuss on how to get the keys and document to you. also below is some pictures of the apartment and The address of the house is5155 Watling St, Burnaby, BC V5J 1W5, Canada Thanks and God Bless You Jude Butler
Emotions? Lets brainstorm the feelings that you feel when scammed
Your turn? • Sharing Your Personal Experiences • Questions & Answers
Personal Experience • Introduction • What type of Scam did you experience? Now let’s share your story: • How long ago was this? How long from start to end? • How did it begin? • How did you notice? • What made you continue along? • How much money, if any, did you lose? • What services helped you? • How did you feel? How do you feel now?
“ How do I Know if It’s a SCAM? ”
How to recognize Scams Scams can contain the following: Alarmist messages and threats of account closures. Promises of money for little or no effort. Deals that sound too good to be true. Requests to donate to a charitable organization after a disaster that has been in the news. Bad grammar and misspellings. “God Bless You”
What is Spam? • Not relatedor inappropriate (rude, sexist, manipulative, false, etc.) messages sent on the Internet to a large number of people.
More about Spam.. Spam is any kind of “I don’t want” online communication. The most common form of spam is EMAIL. You can also get TEXT message spam, INSTANT MESSAGE spam, and social (Facebook, Twitter, etc) networking spam. Some spam is annoy but harmless. However, some spam is part of an identity theft scam or other kind of fraud. Identity theft spam is often called a phishing scam.
Where do you see spam • Email • Instant messaging • Newsgroup and forum • Mobile phone • Social networking spam • Social spam • Online game messaging • Search engines • Blog, wiki, and guestbook • Video sharing sites • SPIT (Spam over Internet Telephony) • Academic Search
Email Spam • Email spam, also known as junk mail. • It send “I don’t want” email messages to many people. • Virus install a “backdoor” which allows spammers to access the computer and use it for anything.
Social Networking Spam • Facebook and Twitter are not immune(block) to messages containing spam links. • Spammers hack (break in) into accounts and send false links under the guise of a your trusted contacts such as friends and family.
Video sharing sites • The most common probleminvolves people posting links to sites • Porno (XXX) • Online dating • Random comments
Phishing • Type of identity theft where criminals use email to try to bait you into fake websites. • Once you get there, you are asked to give confidential financial and personal information, for example: • your passwords • credit card number • access codes • SIN’s.
Phishing • FAKE be done through • E-mails • Text messages • Website • Sent by criminals to look like they come from people you know • businesses • Banks • Government Agencies
Phishing What is inside of a phishing e-mail or text message has the reason to trigger QUICK REACTION from YOU. It can either be upsetting or exciting information, demanding an URGENT response or employ a false statement. These messages will ask you to “update,” “proof,” or confirm your account information or face punishments/dire consequences. Often has “REAL”logos and other identifying information taken directly(copy and paste) from real company’s websites.
Phishing “Catch phrases” E-mail Money transfer alert: Please confirmthis payment information below… It is come to our attention that your online banking profile needs to be updated as part of our continuous efforts to protect your account and reduce instances of fraud… We regret to inform you that we had to lock your bank account access. Call (telephone number)
Lisa Anderson & Scott Jeffery October 2 & 3, 2015
PROTECT YOURSELF: Internet Scams • REMEMBER: If you choose to shop online becareful that you are not overcharged. Make purchases from genuine shopping sites. • CAUTION: Never buy from bidders with poor ratings. • THINK: Don’t reply to spam emails, even to unsubscribe. • INVESTIGATE: If an email or pop-up offers you a product or service that genuinely interests you and it seems reasonable, read all the fine print. ASK YOURSELF… By opening this suspect email, will I risk the security of my computer?
PROTECT YOURSELF: Dating Scams • REMEMBER: Check website addresses carefully. • CAUTION: Never send money, or give credit card or online account details to anyone. • THINK: Don’t give out any personal information in an email or online. • INVESTIGATE: Make sure you only use legitimate and reputable dating websites. ASK YOURSELF… Would someone declare their love for me after only a few emails?
