Be Cyber Smart

Welcome to our guide on how to be cyber smart! In today's digital age, it's more important than ever to protect yourself from cyber threats. Scammers and hackers are everywhere. Here are some tips to keep yourself and your information safe.

General tips for keeping your personal information under lock and key

  • Use strong and unique passwords for all your accounts. Use a password manager.
  • Be cautious when clicking on links or downloading attachments in emails or messages. Hover over a link before clicking and be wary if the link does not resemble the sender’s email address domain name.
  • Keep your software and operating system up to date to avoid vulnerabilities. Always use “check for updates” and ignore an email of message that tells you to “click here to update”.
  • Enable two-factor authentication for added security. Everywhere you can.
  • Use a Virtual Private Network (VPN) when connecting to public Wi-Fi. Never trust “free wi-fi” - there’s a reason it’s free.
  • Be mindful of what personal information you share online. Any piece of information however trivial might be used against you.
  • Regularly back up your important data. Do this offline, or with a highly trusted online storage provider.

Avoid these phishing hooks

It's important to remember that legitimate organisations and companies will never ask you to provide personal information through email, text message, or social media, and they will never ask you to download software to your computer or phone. If you receive an unsolicited request for personal information, it's best to verify the legitimacy of the request by contacting the organisation or company directly using a known and trusted contact method.

  • Email scams: You receive an email that appears to be from a legitimate organisation or company (such as your bank, PayPal, or Amazon), asking you to click on a link or provide personal information, such as your username and password, credit card information, or driver’s license number. These emails often contain urgent or threatening language to try to get you to act quickly without thinking.
  • SMS scams: Similar to email scams, you receive a text message that appears to be from a legitimate organisation or company, asking you to click on a link or provide personal information. These text messages may also contain urgent or threatening language.
  • Social media scams: Scammers create fake social media accounts or pages that look like those of legitimate companies or organisations. They may post links to fake websites or ask you to provide personal information through private messages.
  • Phone scams: Scammers call you pretending to be a representative of a legitimate organisation or company and ask you to provide personal information, such as your credit card number or driver’s license number. They may also ask you to download software that gives them access to your computer or phone.

The ACCC’s The Little Black Book of Scams is an internationally recognised FREE tool to learn about scams. It's an easy read and contains valuable information.

What you can do if you receive scam calls/messages

If you have received calls or messages that you believe are scams or generally fraudulent, you can report the scam to the ACCC via Reporting a scam to the ACCC or the appropriate agency will help them warn the community about scams and take action to disrupt scams. Not just there for reproting scams, there is plenty of very helpful information on the Scamwatch website.

Be aware of types of Malware

To protect yourself from malware, make sure to keep your operating system and antivirus software up to date, avoid downloading software or files from untrusted sources, and be cautious when clicking on links or opening attachments in emails or messages. Additionally, practice good cybersecurity habits, such as using strong passwords and enabling two-factor authentication.

  • Viruses: A computer virus is a malicious program that can replicate itself and spread from one computer to another. It can infect files, damage your system, and steal your personal information. You can recognise a virus infection by slow system performance, unusual pop-up messages, and unexpected crashes.
  • Trojans: A Trojan is a type of malware that disguises itself as a legitimate program, such as a game or utility, but is designed to steal your personal information, damage your computer, or give a hacker remote access to your system. You can recognise a Trojan by unexpected changes to your computer's settings or files, slow system performance, and the appearance of pop-up ads or messages.
  • Ransomware: Ransomware is a type of malware that encrypts your files and demands a ransom payment in exchange for the decryption key. It can be spread through email attachments, infected websites, or phishing scams. You can recognise a ransomware infection by the appearance of a ransom note or message on your screen.
  • Spyware: Spyware is a type of malware that collects your personal information without your knowledge or consent. It can track your web browsing activity, capture your keystrokes, and steal your login credentials. You can recognise spyware by slow system performance, unusual pop-up messages, and unexpected changes to your computer's settings.

Other Common Types of Fraud

Below, you will find descriptions of a number of online scams that are commonly used by fraudsters to deceive and defraud unsuspecting victims. There are always more and new scams, but by understanding the characteristics and tactics of scams, you can better protect yourself from falling prey to online fraud.

Wangiri Fraud is a type of telephone fraud that originates from Japan and has spread globally. The term "Wangiri" means "one ring and cut" in Japanese, and the scam works by calling a victim's phone number once and then hanging up quickly, usually before the victim can answer. The scammers hope that the victim will be curious and call the number back, which is usually an international premium rate number that charges high fees for each minute of the call. The scammers earn money from the high fees charged by the premium rate numbers. To protect yourself from Wangiri Fraud, do not call back unfamiliar numbers and if you do not recognise a number, it's best to let it go to voicemail.

Online love scams, also known as romance scams, are a type of online fraud where a scammer creates a fake profile on a dating or social media site to establish a romantic relationship with a victim. The scammer then builds trust with the victim and eventually convinces them to send money, often claiming they need it for an emergency or to visit the victim. In some cases, the scammer may even convince the victim to provide personal or financial information, which can be used for identity theft or other types of fraud. To avoid online love scams, be cautious when communicating with someone online, especially if they ask for money or personal information. Additionally, verify the identity of the person you are communicating with and never send money to someone you have not met in person.

COVID scams are fraudulent schemes that take advantage of the COVID-19 pandemic, such as selling fake or ineffective medical supplies, soliciting donations for fake charities, or phishing scams that use COVID-19 related content to trick people into revealing personal information. These scams can be conducted through phone calls, emails, text messages, or social media platforms. To avoid COVID scams, be cautious of unsolicited messages or requests for money or personal information related to COVID-19, and only purchase medical supplies from reputable sources.

A device reseller scam is a type of fraud where a seller offers to sell a used device, such as a smartphone or computer, at a lower price than the market value. The seller may claim that the device is in good condition, but once the victim pays for the device, they receive a broken or defective item, or no item at all. The seller may also ask for personal information, such as credit card details or a social security number, which can be used for identity theft. To avoid device reseller scams, only buy from reputable sellers with good reviews and never send money or personal information without verifying the seller's identity and the condition of the device.

The NBN tech support scam is a type of telephone scam where a caller claiming to be from the National Broadband Network (nbn) or an internet service provider (ISP) offers to fix a supposed issue with the victim's internet connection or router. The caller may ask the victim to download software that gives them remote access to the victim's computer or request personal information, such as bank details or passwords. The scammer may then install malware or steal money from the victim's bank account. To avoid the nbn tech support scam, do not provide personal information or remote access to unknown callers and contact your ISP directly if you have concerns about your internet connection or router.

Flubot malware is a type of Android malware that is typically spread through phishing messages or fake app download links. Once installed, the malware can gain access to sensitive information, such as passwords and banking information, and can also send phishing messages to the victim's contacts. Flubot malware can also take control of the victim's device and perform malicious actions, such as sending 100s or even 1000s of unauthorised text messages or making unauthorised purchases. To avoid Flubot malware, do not download apps from unknown sources or click on suspicious links, and keep your Android device updated with the latest security patches.

Think you’ve been scammed?
We’re here to help

Contact our team immediately on 1300 966 656

If you’ve sent money or given your banking details to a scammer you should contact your bank immediately.

  • Is the SMS or email from the usual Yomojo sender?
  • Were you contacted via another messaging platform?
  • Is there poor grammar, spelling, or other unusual symbols in the message?
  • Are you being asked to urgently share personal or sensitive information like your date of birth, or address? We do ask for this information on telecalls but never over emails or messages.
  • Is the call coming from an “Australian” number or via WhatsApp claiming to be from Yomojo?
  • Have you been asked for your credit card details, account number, email, or passwords? There may be instances where we’ll call to verify your identity, but never ask for your bank details or passwords?
  • Does the deal being offered to you seem too good to be true?

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