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Protect yourself from "Phishing"

(How computer hackers are "fishing" for your password information.)

Scam artists are using "Fake" emails to steal your passwords.  The emails  appear to be from famous stock brokers and banks, as well as big internet companies like eBay, PayPal, Walgreens, US Bankcorp, Etrade, citibank, egold, BankOne and Ameritrade.

Don't fall for it ! - Read all of this page.

WHAT IS PHISHING? 

Like spam, phishing (fishing) is a form of unsolicited email. Although some spam may only be annoying advertising, phishing is an attempt to steal from you.  Unfortunately people are falling for it.

Phishing is when email is used as a means to "fish" for information that is
necessary to access financial accounts. Usually, the e-mail will appear to be from a legitimate company.  It will try to entice you give them your account number and the related password.  Often the email uses an explanation that the company's records need updating, or a security procedure is being changed that require you to confirm your account in order to keep using it.

They may look like the real thing!  In appearance it can be very difficult to tell that the e-mail is a fraud. Like spam, e-mail from phishers usually contains fake FROM or REPLY TO headers in the email addresses, to make the e-mail look as though it came from a legitimate company.

In addition to the spoofed FROM or REPLY TO addresses, the fake e-mail is usually HTML-based.  At first glance it may appear genuine.  The e-mail often contains the actual logos, and appears to have the web site addresses of the real company.  I've even seen them include comments suggesting you "be careful" with your password.  All of the looks and wording of the email is designed to make it appear authentic. 

However, when you view the HTML (computer code inside the email), you can see that the web site addresses are disguised and clicking a link will really send you to some another location.  Often, it will take you to a look-a-like site in a foreign country.  These sites are opened temporarily and designed to look like the real thing, in order to entice you to enter your log-in information and secret password.  Once they get the information, they will try to transfer money out of your accounts, or make charges to it.

A common practice of phishing is to include a form in the e-mail for
the recipient to fill in the fields with their name, account number, passwords or PIN number.

Here is an example.  (Note that the company logos have been removed.)

Dear CitiBank Client,  This letter was sent by the Citi-Bank servers to verify your e-mail  address. In order to continue using your ATM card, you must complete  this process by clicking on the link below and enter your Citbibank  ATM full Card number and Pin that you use on local ATM machines.  We are requesting all of our ATM customers to follow this process.  This is part of a periodic review in order to validate that your email  address and information is still correct.   To verify your e-mail address and access your Citbiank account,  click on the link below. A small window will appear for you to verify  your current information.      http://www.citibank.com  ---------------------------------------------  Thank you for using Online-Citibank!  ---------------------------------------------  Do not reply to this email.

Note that the link above "appears" that it will take you to a Citi-bank website.

The original phishing email went to a site in Russia instead.  For safety purposes we changed the link to take you to another web page of ours. 

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How to avoid falling for a Phishing (fishing) Scam?

Protecting yourself is not difficult.  Here are some tips: 

1. ) NEVER click on a link in an email in order to enter your log-in information or password.  Instead, if you think the email may be legitimate, go directly to the company website using your Internet Explorer or Netscape browser. 

(Do not copy and paste a url address out of a suspicious email.)

2.)  Always use a company's official website to submit personal information.  If information is submitted online, it should only be done from the company's official web site using a secure server.

3.)  Call the company, if still in doubt about what the email says.

How Do They Get Your Email Address?

Some of these scam artists purchase CD lists of email addresses from legitimate companies.  You can buy a CD with thousands of email address on it for very little.  However, they don't even need a list.  Instead some are using computer programs to send emails to millions of randomly generated email addresses.  Although most addresses will be invalid, they don't care.  They are just hoping for some quick responses.     

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Security and our shopping cart

Our shopping cart (like most shopping carts) collects the items you add to it by saving them in your computer.  Your computer uses what is called "cookies" to store this information.  You have a special folder in your computer that automatically collects these cookies from various websites for possible future use.  The typical computer has hundreds of them, all saved from various web sites you have visited. 

When you click on the "check out" button and go through the check out process, our system sends you to Paypal's "secure server" to complete the payment process.  Your computer shares the items stored in the cookie with PayPal's secure website during the transaction process.  Their secure server uses high level encryption techniques to process the payment in a secure manner.

We accept payment by PayPal (to confirmed addresses), money order, personal check, and cashier's check.  Please email us if you are mailing payment to us, so that we will be sure to hold the items for you while payment is in route to us.  Thank you.   © 1978-2004 LynnCoins.com

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