Keeping safe online

The threats – real and perceived

[First posted 10 September 2020; minor changes 21 June 2021]

Luckily, there’s plenty of advice and guidance available – often slanted particularly towards our demographic (ie oldies) …

Those two sites are particularly easy to follow and understand, but others are equally informative and targeted.

Your bank probably has guidance which it publishes online and which is accessible to everyone, not just their customers …

I’ll return to further information, guidance and references at the end of this post, but first we need to look at a few issues, discuss some terminology that’s widely used and try and tease out what’s really important, and what’s just an inconvenience and then it’s up to you to judge where you find yourself on the scale of …

Terrified -> Apprehensive -> Sensibly Aware -> Relaxed -> Unconcerned

First let’s distinguish the difference between online security and online privacy. These are two different issues which are however linked. Sometimes you have to relinquish some privacy to receive a service – unless you choose to pay for it (and I’ve long been an advocate of paying for services if they do a job that is necessary); exactly how much privacy are you prepared to relinquish?

Security on the other hand is an absolute – you should not be prepared to accept less than your very best efforts . We’ll deal with that in the third part of the post.

How do you relinquish your privacy, and how much of a loss of privacy is acceptable?

Some services could not be offered without income from adverts, or paid-for advertising – eg Facebook, Twitter and Instagram; and some eg Google and Amazon track and provide information to resellers if you don’t block them from doing so. As an example of how much value Google sees in getting knowledge of what you’re doing and where you’re doing it, they paid Apple $8bn recently to remain as the default search engine for any browser that’s running on an Apple device!

Incidentally, if you clicked on that link you might have been asked whether you wanted to accept cookies – what exactly are they, and what do they do. This article from Norton explains what they do quite well …

Essentially, they record what you do on a website so that when you return to it some of the settings are remembered and applied. Cookies do however also have a downside in that some can also act to track your activity once you’ve left the site. For that reason, you should disable in your browser the ability of third-parties to glean information from a cookie, and also to prevent them tracking your activity once you’ve left the site. You can at anytime, clear the cookies from your browser, and indeed on some internet browsers set them up to delete cookies when you leave (close the window) the site. The browser I use – Firefox – alerted me the first time I went to the site to the fact that Norton was using a Fingerprinting cookie itself …

Another thing you should consider is whether you want adverts to be shown, or not. You might get a request to enable adverts when you visit a site, the answer you supply will be held in a cookie in the browser – that’s how cookies work. Firefox, Brave and Microsoft Edge, by default, block most, if not all, adverts. These are often annoying and having a browser that blocks adverts, or if you use Chrome – using an ad-blocker like AdBlock Plus often makes for a more “pleasurable browsing experience” by limiting the intrusion you might feel upon your privacy.

Which brings us to browsers and search engines

Search engines are not created equal! Whilst Google is often thought to be the same as the internet and is often mistaken to be an internet browser itself, it is in fact just one of a range of possible search engines that you can use to look for information on the internet. It uses a platform called Chromium to display the results of its searches to you through a browser called Chrome. However, other browsers – Microsoft’s new Edge, Brave and Opera all use the same underlying Chromium technology – the difference being they don’t track what you’re doing “to present the content that most meets your needs” (Google’s philosophy) and in some cases (eg Brave) they can actually prevent tracking of your browsing history. For the reasons given above, I use either Brave or Firefox as my internet browser and I’m leaning more to the latter nowadays as it seems quicker and more secure as well.

So what safe and private search engine could you use as an alternative to Google. I use DuckDuckGo

… but others I could have used might have been Bing, Yahoo or another one you might choose from this article or the list of other articles at the end of it …

There are many specialist search engines (as explained in the above article) that can give you much better, and more targeted results than a broad-spectrum Google search.

Finally, no discussion of Privacy can ignore Social Media and Facebook in particular. These applications, if left to their own default settings, are effectively personal information mining engines. They grab what information they can from you, and sell it on to whoever is willing to pay for it; or are indeed the platform for data mining, vis the Cambridge Analytica affair.  Online retailers are not exempt from this and Amazon for instance has a wonderful record of your browsing history! Are you sure you know what it’s doing with that information? So look at this table taken from a recent Which? supplement – Staying Secure in a Digital World – and just check whether you need to change your settings if you use any Social Media apps …

So that’s Privacy dealt with.


Should you be frightened?

The take away message I want you to have is Frightened – no; cautious – yes!

Online banking is very secure – a recent survey in Which? produced the following scores …

… plus you are protected and most of the banks are increasingly opting to adopt an online and mobile guarantee to refund you where you’ve been the innocent victim of a fraud. Here for instance is Barclay’s “Online and Mobile Banking Guarantee.”

They really don’t want to shell out money, so they are trying to educate us to be wise to scams. So let’s take a scam test

Banks are also often supplying software free (or at reduced cost) for you to install to protect your machine, to protect you from fraud – and of course themselves from having to pay out! I was recently offered a piece of software called Malwarebytes by the NatWest and although I have an Apple Mac computer which are well known to be relatively secure from Viruses, Spyware, Trojans and other malware, I installed it. I was pleased to note that I didn’t have any malware on the machine.

Surprisingly you might think … it’s safer to use the mobile app on your phone, or tablet to do online banking and retail purchases than a web browser. This is because the app on the mobile device has to be verified by Google for Android (Google Play Store) or Apple for iOS/iPadOS (Apple Store). Whereas a browser could be infected, or compromised with malware. [That’s something I’ve learnt whilst preparing this post!!!]

When you’re out and about and NEED to do an online transaction from your mobile – use cellular rather than WiFi. The latter can be really open to “sniffers”. [I must admit I try to avoid doing online transactions when away from a domestic network.]

Whilst we’re at it, you might like to think about doing a Detox on your phone, and even consider installing Firefox as the browser of choice rather than Chrome (Android) or Safari (Apple) on your mobile device …

So we come to phishing and pharming, vishing and smishing – I kid you not! We’ll leave aside spear phishing because we’re not important enough for that – it’s used to target “corporations” and individuals within them! [Please excuse me not going into details on any of these. You can follow the links for further information.]

However the most scary scam I’ve been made aware of is one that befell a member of my family when they were distracted sufficiently to become the victim of SIM swapping.

I discussed this with the Cardiff U3A Computer Group last June and you can  read the updated post here.


What should you do to protect yourself?

Some of these pieces of advice are really quite straightforward, but some require some intervention by yourselves.

  • Keep your operating software up to date. This is particularly true if you’re a Windows user, and even more true if you are still running an older version of Windows than Windows 10. If you’re using Windows XP, Windows Vista or even Windows 7 you should seriously consider disconnecting your machine from the internet because even if you’ve got anti-malware software running this is probably not protecting you against the latest threats.
  • Install anti-malware, or anti-virus software, particularly if you’re a Windows user. Don’t pay more than you need to. Windows Defender from Microsoft is Free and for our demographic relatively undemanding and unsophisticated users, more than sufficient. Keep it up-to-date as well! [As I said previously, your bank might be offering free software as well.]
  • Keep the software you use regularly up to date as well. Consider removing any software from your machine that you don’t use – this is because software vulnerabilities are discovered sometimes quite a while after the software was first released. It will also save you disc space!
  • Be cautious over installing extensions into your browser. These are often extremely useful and valuable tools, ie password managers, Dropbox, note taking, Google Back up and Sync, but if you don’t get them from the official sources then you might be importing vulnerabilities, eg spyware and trojans to your system.
  • Very seriously consider logging-out from social media and other retail sites when you’ve finished using them, especially Facebook, you just don’t know what tracking and logging of what you do, even where you are, if you leave yourself logged in on a mobile device.
  • Free software is both a boon and a curse. Only download open source software from a reputable site such as Softpedia, and never try and get proprietary software for free. Read this article about Free download sites if you want to know more.
  • Remember the golden rule 1 – if it seems too good to be true, it probably is, so steer clear!
  • Remember the golden rule 2 – don’t speak to strangers (an oldie but goldie that one); in other words if you don’t know where an email has come from – ignore it; if the website address looks a little strange – do an internet search on the company or organisation to check if the address you’re looking at is a spoof of the proper one.
  • Have more than one email address. Use one as your personal address, then use other ones that you can “throw away”when you need to register to a website, but you’re unlikely ever to go back to it again. Or have an email address (UserID) specifically for online purchases. Splitting things like this reduces the risk of you being the victim of fraud.
  • Seriously consider using an email service that is NOT connected to your Internet Service Provider (ISP). If you decide to change your ISP, and you should review them periodically, then you will have real problems if your email address is linked to their service!
  • You’ve got Spam filters running? Of course you have – but you better check! Probably your ISP, or email provider (eg Gmail, Yahoo, Microsoft Outlook or Hotmail) is filtering out what it thinks is spam, but occasionally some gets through. If that’s the case then you can always look at the real sender of your message. Take a look at the examples below …

You can also apply filters to divert incoming email into different folders in your email system. That reduces the amount of Junk that you need to review. [I’ve also advocated using the “native” email application for your device rather than rely on the web-based service the email provider has. Thus on a Windows device – use Windows Mail (or Outlook); on a Mac use Mail. You can then easily synchronise your email between devices from multiple email accounts. Tidy!]

So we come to Passwords …

… this is the point at which you need to consider intervention and changing your behaviour! You might also need to do a fair bit of work, but it’s worth it if you want to have a secure internet experience.

Let’s just see what using an insecure Password can lay yourself open to. Type in the word Password, or ABC123 from the link above – frightening eh!?

The most common password I use – and I know I shouldn’t reuse the same password, but I am human – has not been discovered on any pwned site. Phew!

What about the combination of your email address with your password – has that been “pwned” (ie stolen through a data breach)? Try typing your email address into the link above.

Oh no! I’ve been pwned … but it was a long time ago and I’ve changed my password many times since then!
Ah! That’s better – my “throwaway” email and passwords are “safe”!

And if you want to see a list of which websites have been breached, it’s alarmingly long!

So … use a unique password for everywhere you sign on. There’s lots of tricks to achieve this; some of which I wrote about in a post quite a long time ago …

… but the real change of behaviour is to use a Password Manager – again I wrote about this a little while ago and linked it to using Two Factor Authentication, which is also covered in the same post …

Password managers

I use LastPass, but other common ones are Dashlane and 1Password. Please make up your own minds after reading some Reviews and seriously consider using one.


Slides from talk given to Bridgend U3A

Keeping safe online

Slides from talk given to Cardiff U3A

Staying safe online

References

These may not be available in your Public Library, hopefully that isn’t the case.

… but these are available … Which? webpages – Scams & older people

I seriously do recommend signing up for the Which? Scam Alert Service – sign up for an email alert – and I seriously recommend you NOT broadcasting other people’s warnings to you about scams; they could be old, they could be inaccurate, they could be scams in themselves.

Look on the Age UK webpages – Staying safe in your digital world and specifically How to stay safe online

Your bank will undoubtedly have Internet Security webpages. Mine has a Security Centre web presence and particularly they provide a number of Fraud Guides

I could give a million references to changing your privacy settings on Social Media, but here are a couple relating to Facebook, perhaps the most challenging service of the lot.

First – what Facebook unchallenged will want to get from you. You are able to disable (prevent) all or some of these … Sign up for Facebook – this is not sign-up site, it’s just one to educate you on the privacy you might give up without realising before you sign up (but of course you can run the checklist at any time); then How to change settings on Facebook and finally Securing Facebook: Keep your data safe with these privacy settings.

Whats up with WhatsApp? [Updated]

What a commotion Facebook (Fb) has caused with the changes to the Privacy Policy for WhatsApp that is being forced upon its users. As a result there are a number of issues that Fb is now scrabbling around to resolve which could have been avoided if they’d approached the change in a better way – I can only imagine a few heads will have rolled at Facebook Inc. as a consequence.

First – it only really affects businesses and how they interact (or might want to interact) with WhatsApp …

“The really significant recent update is that WhatsApp has added new features to allow people to communicate with businesses – and those businesses could be hosted by Facebook. When speaking to those contacts, messages might be stored and managed by Facebook, and so those conversations could be shared with the company more generally.

Users should be informed if that happens, however. When speaking to a business who has decided to have its messages managed by Facebook, a message should appear – and users should stop talking to them if they would prefer that information is not shared.”

The Independent, 10th Jan 2021.

Second – it doesn’t apply to users in the European Region (which includes the UK, even post-Brexit). [But will it include the UK after all Fb data is repatriated to California? This is the company’s intention to avoid legal redress under European GDPR.] If they were prepared to commit to this, why didn’t they say this would be the case … forever! Because they can’t, just as they couldn’t omit all European Country Codes from the message. Everything will be open to further change, going forward. Believe me!!

So there’s an issue of trust involved, isn’t there? This is what I addressed in this article on another of my sites – Why do I dislike Facebook (Fb)? – please read the Comments too. Fb is more insidious than I had thought, and my previous advice of Logging out from the app, and website is now relegated from the status of Advice, to just a Recommendation.

So is there an issue, and should we do anything about it?

There have been lots of articles written, including an earlier one of mine – The new WhatsApp Terms and Conditions of Use, but one I particularly like is this one – Will WhatsApp’s Privacy Policy Make You Look for a New Messaging Service? I urge you to read it.

In the short-term there isn’t an issue, because it doesn’t apply to users in the European Region, and is mainly intended as an incentive to businesses to use the Facebook platform. But perhaps we don’t want the inconvenience of disconnecting from a business online when conducting an online purchase, and just note this wording from the Facebook site – which I wasn’t aware of …

“When you visit a site or app that uses our services, we receive information even if you’re logged out or don’t have a Facebook account. This is because other apps and sites don’t know who is using Facebook.”

… quite chilling really. It means that if you visit a site that has a connection to Fb, ie uses Facebook services, then Fb will use that information gleaned by that connection and can potentially pass it on to others. Hence the concern for information from WhatsApp users being passed on. It’s the uncertainty, and the lack of trust.

Last year, in July 2020, WhatsApp changed its Privacy Policy and gave existing users in the European Region 30days to exercise their rights …

“If you are an existing user, you can choose not to have your WhatsApp account information shared with Facebook to improve your Facebook ads and products experiences. Existing users who accept our updated Terms and Privacy Policy will have an additional 30 days to make this choice by going to Settings > Account.”

… to not share information with Facebook. I have no idea whether I chose to exercise that right, and I cannot find any way of finding out whether I did or not. If I did, the changes proposed now could not supersede the opt-out, but I don’t know, and I must proceed with the presumption I didn’t opt-out. [The option in Settings > Account has unsurprisingly been removed.]

So it comes down to this. Your decision to continue using WhatsApp, or seeking an alternative instant messaging platform is a personal one. I’ve made my decision albeit one that is grey, rather than black and white. I have kept my accounts with Facebook and Instagram active – I haven’t deleted them. As long as the data is held in Ireland, I will continue to “lurk” but will not be active on these apps. So, I will accept the new WhatsApp Ts&Cs to keep my account, but I will cease to be “active” on that platform. When Facebook repatriates my data to California, I will end my connection with Facebook Inc and at that time I will no longer have a WhatsApp account.

So I must prepare for change if I want to keep using an instant messaging platform. Where to go then?

I’ve made my choice. I could go through a list and state the pros and cons of each, but that would just replicate what others have done. As a result of reading these reviews I’ve decided to move to Signal.

Why Signal?

Quite simply it’s open-source; the author of the end-to-end encryption used by WhatsApp was the founder of the organisation that preceded the formation of the Signal Foundation; and therefore these together mean that the risks of moving are far less than those of staying with WhatsApp. The Foundation cannot be bought out; it is funded privately by donation; it is supported by a community of coders and developers and now it has the founder of WhatsApp onboard as a funder.

Read about the origins and background to Signal.

Moving to Signal

No change is easy, but this one is only difficult in that you may leave people behind who are not willing to move with you. The differences in the user interface between the two platforms is minimal and very easy to pick-up. I haven’t detected any functionality that’s missing, or at least functionality I needed. There might be an issue with video-calls as the platform is probably not scaled up to receive a huge influx of video-calling refugees from WhatsApp – but there’s Facetime, Google Meet, Skype and of course Zoom for that anyway.

So How do you leave WhatsApp without losing all of your data or upsetting your friends (The Independent, 13th Jan, 2021) and How do you start using Signal (Make Use of, 11th Jan, 2021).

In conclusion, again from The Independent, 13th January, just read this article which parallels much of what I’ve already written above …

Leaving WhatsApp will be hard – but it is the right thing to do

… for me, it undoubtedly is, my journey away from WhatsApp (and Facebook Inc) has begun.

UPDATE (Jan 15th)

Further to this post yesterday it appears WhatsApp have realised they have not communicated the reasons for their proposed changes well enough citing “misinformation”, I would say poor communication. So read this …

https://blog.whatsapp.com/giving-more-time-for-our-recent-update


… you all have more time to make your own personal decisions. I would still advise not AGREEing just yet, you may not be able to change your mind! I will reflect and report back later. Meanwhile Signal is struggling under the pressure of a huge influx of new users – teething problems one hopes.