What can Malware do to your computer?

The threat to computer users has been rising in recent years and we’re now at the point where the different dangers all have their own names. All viruses are malware, but not all malware is a virus.

Because of this, many of us don’t really know the differences between them all. To make it all seem a little less scary and a lot more understandable, we’re giving you the lowdown on what it all means. Read to differentiate between your spyware from your trojan.

Computer Virus

The term ‘computer virus’ is often used to describe the entire suite of computer-related problems introduced onto your laptop or PC, by others. But, a computer virus actually has its own, very specific meaning. In simple-ish terms, a computer virus is a piece of code, or program that’s loaded onto your PC or laptop, by someone with malintent and without your knowledge. The virus then works or ‘runs’ without your command or authority and can replicate itself and infect other computers through emails or links. There are a variety of viruses that do slightly different things. They include:

  • Polymorphic viruses.
  • Rootkit viruses.
  • Overwrite viruses.
  • Macro viruses.

Spyware

Spyware is designed to spy on you as you are online and use your PC or laptop. The programs secretly record what you do when you’re logged onto your computer. The end aim of spyware is typically to capture passwords, credit card details and online banking credentials. Then, once the information has been captured, it is sold to or used by fraudsters. Spyware was initially created as a marketing aid, to see which web pages people clicked on and how they used the internet. But today, its most likely to be employed with malicious intent.

Trojan

A trojan virus is a program that looks like one you would use or run. But, once its opened and running, it grabs private information and also attempts to make your computer more open to other malware. A trojan It can be downloaded to your computer as part of a game or legitimate program. Then once the trojan is on there, it can give someone else remote control of your PC or laptop. Malware Malware is the term used to describe all of the above. Malware is malicious software that is designed to spy, steal information and threaten users in any way possible.

Adware

Adware is where online ads and banner ads pop up as part of a program you’ve downloaded. They’re usually present in free, online versions of a program and you can pay for the full version of that program that will come without ads. If the ads are part of the program but the customer is unaware of them, they can also be described as spyware, particularly if they keep tabs on if the user visits the websites from the ads.

Bloatware

Bloatware are programs which should be useful, but take up so much disk space to run that it becomes a program you don’t want on your computer. While bloatware doesn’t tend to be dangerous, it does slow your computer down a lot.

Be Aware of Changes to Your Computer

As you can see, there are many different ways your laptop or PC can be targeted by criminals or affected by programs that contain more than you might expect. That means it’s important to always be aware of how your computer is working. If you notice a sudden change in performance then investigate or get in touch with us to seek advice and assistance. It might turn out to be nothing to worry about, but it could be something important that could damage your hardware or worse.

8 ways to secure your online banking details

Cybercrime costs Aussies over $30b each year. Social engineering is causing us to become so relaxed with what we share, that cybercriminals are taking advantage. Keep reading to see 8 ways you can secure your online banking details from cyber criminals.

From a social engineering perspective, keeping personal details private is your first port of call. Social engineering from a security point of view, means data you provide to the outside world, can be used to engage your financial institutions and other online transactional sites.

eg. a cybercriminal may take note of your name and phone number, then contact your financial institution and say they have lost access to their bank, then use information they have learnt from your social media sites, such as children’s names or names of your pets to bypass security questions. They can then access, redirect and use your funds as they wish.

Cybercriminals can also access your details by tricking you into installing malware onto your device. This compromises the security of your ‘secure logins’ with your financial institution. It can also trick your Anti-virus into not recognising the attack until its too late.

These are only two examples, but cybercrime is constantly increasing and its not your run of the mill “hackers” you think about. It’s anyone with access to your personal information, or knows enough detail about you to be able to worm their way into your accounts.

So, what can you do to secure your online banking details?

  1. Anti-virus

Make sure you have a high-quality anti-virus on your devices. Standard anti-virus protections used to be the go-to when it comes to keeping logins secure, however as cybercrime intensifies and becomes more sophisticated, so too does anti-virus protection. EDR or End-point detection constantly monitors and responds to any and all threats and malware across your devices, in real time. EDR is an ever evolving system that keeps up-to-date with all malware attacks, as they happen.

  1. Two-Factor Authentication

Two-factor Authentication or multi-factor authentication as it is also known is another great step in keeping your account secure. Utilising these across multiple platforms instead of just the standard SMS code is well worth the few seconds of inconvenience. You can set up your 2FA or Multi-FA via email, SMS, software tokens, and also Google’s Authenticator app.

  1. Text alerts

Text alerts from your financial institution are a great way to keep track of what is going out of your bank. Yes, we know that SMS can be compromised. However, in the case that your number hasn’t been taken, seeing what is being deducted in real time can assist you in taking control of the situation before it becomes way out of hand.

  1. Do not click links sent to you from a financial institution

Do not use any links that have been provided to you. Go directly to the website and enter your login details there. Links sent to you could be from a phishing site and even though it may look legitimate, may very well be a scam.

  1. Only use secure networks, sites and mobile apps

Always use a secure network site or even the mobile app. If you need to do banking or transfers while out and about and a “free-Wi-fi” option pops up, it is best to avoid that as you would your mother-in-law. Anyone can access these free wi-fi networks and access everything that is being shared. If you are using the website, make sure it is secure (eg. HTTPS). Mobile apps have in-built securities already, so your information is kept secure.

  1. Avoid Pop ups

Avoid pop-ups. Financial institutions should never have pop-ups as their security measures are so thorough, they should never get through. If you do see pop-up ads on your banking website, do not click on them. Close it down and go back into the secure website, and try again. If you have further concerns, contact your financial institution directly.

  1. Update your strong password frequently

Have a strong password and change it often. A secure password should be a mix of upper case letters, lower case letters, numbers, and characters. Avoid using names of children, pets, and spouses, or the street you live on etc. Update these often, and if you have been compromised, login to a secure site and change them.

  1. Utilise Device Locks

Finally, locking your devices with biometrics (finger and face ID), PIN and passwords can help keep people out and unable to access your personal information. Remember, it isn’t just the guy in the dark hoodie behind a computer screen anymore, people able to access your personal details right next to you can defraud you, so stay vigilant and secure your online banking details from cyber criminals, today.

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Scam calls are on the rise

Scam calls are on the increase and scammers are becoming better at it. In most cases, scam calls originate from overseas. However, more scammers are spoofing, a way to hide an international number with an Australian one.

Scam calls include late tax bills, recent accidents or other ploys that may be related to everyday incidents that you may feel are relevant to you.

What is being done about it?

Lee Watson, a communications expert from Nehos Communications, said Legislation in Australia regarding scam call management was implemented in October 2020 and gained more attention in 2021, however, it “had little effect.”

“Towards the end of 2021, Telstra was taking a front-foot approach along with several other Telco’s where they were capturing suspect calls and providing warnings to their wholesale providers. Though this has had some positive impact this is complex and could affect legitimate calls was not enforced,” he said.

“Earlier in 2022, the Australian industry Regulator invited all Interested parties including telcos to share feedback and influence future “Reducing Scam Calls” code. 24 companies commented.

As a result, a new Industry code is expected in the coming months. The hope is that once implemented this will effectively target and combat scams”.

What does this all mean?

Enforcement. “When an entity makes a call through the service provider, the advertised number should be valid and hosted/held by the respective service provider. If not, the call should be rejected. This should have a positive impact on our domestic market.”

“International numbers showing from callers is more of a longer-term concern as we have little control, and these rely on the overseas telco management and their own numbering systems.

One thing to note for those receiving Domestic calls in Australia is – telephone numbers that can be displayed are ALL either 10-digit Geographic numbers OR 10-digit Mobile numbers.

13/1300 or 1800 number are NOT permitted and is illegal. If you receive a call showing this, it should be reported to your service provider.

What can you do?

The Do Not Call register is a great resource to remove yourself from legitimate call centres or with few exceptions from other unsolicited organisations. It can take a month after you register your number(s), but it certainly works. There are severe penalties for companies that call numbers that are registered.”

Unfortunately, the best defence is not to answer these calls. If you receive an SMS with a link on it, do not click the link. These links download enormous amounts of malware. Ignore and delete the any message you do not recognise.

If you are concerned that you have already clicked one of these links, you can discuss it with your IT professional and they can closely check your devices for malware and ensure you are safe.

What is a Phishing Scam and How To Avoid Them

Scam Alert

What is a Phishing Scam?

A phishing scam when scammers try to trick you into giving out personal information. They will try get personal information such as your bank account numbers, passwords and credit card numbers.

How does a phishing scam work?

A phishing scam is when a scammer contacts you pretending to be from a legitimate business such a bank, telephone or internet provider.
The scammer asks you to provide or confirm your personal details. For example, they may say that the bank or organisation is verifying customer records due to a technical error that deleted customer data. Or, they may ask you to fill out a customer survey and offer a prize for participating.
Alternatively, the scammer may alert you to ‘unauthorised or suspicious activity on your account’. You might be told that a large purchase has been made in a foreign country and asked if you authorised the payment. If you reply that you didn’t, the scammer will ask you to confirm your credit card or bank details so the ‘bank’ can investigate. In some cases the scammer may already have your credit card number and ask you to confirm your identity by quoting the 3 or 4 digit security code printed on the card.
Phishing messages are designed to look genuine, and often copy the format used by the organisation the scammer is pretending to represent, including their branding and logo. They will take you to a fake website that looks like the real deal, but has a slightly different address. For example, if the legitimate site is ‘www.realbank.com.au’, the scammer may use an address like ‘www.reallbank.com’.
If you provide the scammer with your details online or over the phone, they will use them to access your credit cards and steal your money.

How to avoid a phishing scam?

Do not click on any links or open attachments from emails claiming to be from your bank or another trusted organisation and asking you to update or verify your details – just press delete.
Look for the secure symbol eg. ‘https:’ rather than ‘http:’. Legitimate websites that hold confidential information are encrypted to protect your details.
Never provide your personal, credit card or online account details if you receive a call claiming to be from your bank or any other organisation. Instead, ask for their name and contact number and make an independent check with the organisation in question before calling back.

What is Malware & Ransomware?

Malware tricks you into installing software that allows scammers to access your files and track what you are doing, while ransomware demands payment to ‘unlock’ your computer or files.

What are the warning signs?

Emails or social media messages that claim to contain links to a topical news item or something ‘interesting’. These then ask you to download software in order to view the material. Music files, games, or access to adult sites are offered free of charge if a particular program is downloaded or a pop-up box is clicked. Pop-up boxes start appearing on your computer screen. These may have simple questions or a button that says ‘close’.
You notice new icons on your computer screen, or your computer is not as fast as it normally is.

How to avoid a malware or ransomware scam?

Do not open attachments or click on links in emails. Delete social media messages you’ve received from strangers. If you want to access information about breaking news, use a reliable news source rather than an unknown web link.
Be wary of free downloads and website access, such as music, games, movies and adult sites. They may install harmful programs without you knowing.
Always keep your computer security up to date with anti-virus and anti-spyware software, and a good firewall. Only buy computer and anti-virus software from a reputable source.
If you still have doubts, contact your anti-virus software provider or a computer specialist. See here for more information on Firewall and Internet Security.
Keep your office networks, computers, and mobile devices secure. Update your security software, change passwords and back up your data regularly. Store your backups offsite and offline. The Australian Cyber Security Centre explains how to back-up your data and secure your devices.

 

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