Showing posts with label StaySafeOnline. Show all posts
Showing posts with label StaySafeOnline. Show all posts

Sunday, October 25, 2026

How To Turn On Global Privacy Control on Any Web Browser

a settings slider in the center, with a privacy shield on the left and globe on the right

Credit: René Ramos/Lifehacker/Getty Images

Security-wise, most browsers are an open door, happy to reveal your screen size, operating system, language preferences, or GPU model when a website asks. But telling those websites to stop selling your data to third parties is still more confusing than it should be.  Although about a dozen U.S. statesincluding California, Delaware, New Jersey, and Texas now require businesses to honor consumers’ privacy preferences online, most browsers do not offer a native opt-out option that lets you signal those preferences by default. Now, the California Opt Me Out Act, which goes into effect on Jan 1, 2027, is making it mandatory for browsers to do so………Continue reading…

By: Ritoban Mukherjee

Source:  Lifehacker

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Critics:

Information privacy, also known as data privacy or data protection, is the relationship between the collection and dissemination of data, technology, the public expectation of privacy, contextual information norms, and the legal and political issues surrounding them. Various types of personal information often come under privacy concerns. Privacy concerns exist wherever personally identifiable information or other sensitive information is collected, stored, used, and finally destroyed or deleted – in digital form or otherwise.

Improper or non-existent disclosure control can be the root cause for privacy issues. Informed consent mechanisms including privacy policies and dynamic consent are important in communicating to data subjects the different uses of their personally identifiable information. The growth of the internet’s popularity in the early 2000s presented different privacy concerns as many companies and organizations began to collect user’s personal data. Scholars such as Daniel Solove explained the importance of informed consent.

In 2018, the Facebook–Cambridge Analytica data scandal introduced new privacy risks to the public. A consulting firm called Cambridge Analytica collected personal user data from over 85 million Facebook users without informed consent. The data collected was used to assist in politically targeted ads during the 2016 U.S. presidential election. This resulted in the United States Federal Trade Commission fining Facebook $5 billion.

The Cambridge Analytica scandal influenced new legislation such as the European Union’s General Data Protection Regulation. Information about a person’s financial transactions, including the amount of assets, positions held in stocks or funds, outstanding debts, and purchases can be sensitive. If criminals gain access to information such as a person’s accounts or credit card numbers, that person could become the victim of fraud or identity theft.

Information about a person’s purchases can reveal a great deal about that person’s history, such as places they have visited, whom they have contact with, products they have used, their activities and habits, or medications they have used. In some cases, corporations may use this information to target individuals with marketing customized towards those individual’s personal preferences, which that person may or may not approve.

The ability to control the information one reveals about oneself over the internet and who can access that information has become a growing concern. These concerns include whether email can be stored or read by third parties without consent or whether third parties can continue to track the websites that someone visited. Another concern is whether websites one visits can collect, store, and possibly share personally identifiable information about users.

The advent of various search engines and the use of data mining created a capability for data about individuals to be collected and combined from a wide variety of sources very easily. AI facilitated creating inferential information about individuals and groups based on such enormous amounts of collected data, transforming the information economy.

The FTC has provided a set of guidelines that represent widely accepted concepts concerning fair information practices in an electronic marketplace, called the Fair Information Practice Principles. But these have been critiqued for their insufficiency in the context of AI-enabled inferential information. On the internet many users give away a lot of information about themselves:

Unencrypted emails can be read by the administrators of an e-mail server if the connection is not encrypted (no TLS), and also the internet service provider and other parties sniffing the network traffic of that connection are able to know the contents. The same applies to any kind of traffic generated on the Internet, including web browsing, instant messaging, and others.

In order not to give away too much personal information, emails can be encrypted and browsing of webpages as well as other online activities can be done anonymously via anonymizers, or by open source distributed anonymizers, so-called mix networks. Nym and I2P are examples of well-known mix nets.

With social media and e-commerce sites being used more frequently, there are more potential openings for stealing consumer’s data. Companies can see which types of products consumers like to purchase and can use targeted ads to try to make people purchase more items thinking that this is what they will want to purchase. However, sometimes this type of data is used without explicit consent.

Users are unaware of all of the personal information that is collected about them. Cookies track browsing data and location settings show where a person is based out of, and can show shops or products that are physically located near someone. These combined that be a big safety and privacy issue for users if their data is not being stored safely.

With laws like the California Consumer Privacy Act (CCPA), people’s data can be protected and they asked for explicit consent before using said data.[20] Globally, many nations are trying to implement similar clauses to protect consumers. Email is not the only internet content with privacy concerns. In an age where increasing amounts of information are online, social networking sites pose additional privacy challenges.

People may be tagged in photos or have valuable information exposed about themselves either by choice or unexpectedly by others, referred to as participatory surveillance. Data about location can also be accidentally published, for example, when someone posts a picture with a store as a background. Caution should be exercised when posting information online. Social networks vary in what they allow users to make private and what remains publicly accessible.

Without strong security settings in place and careful attention to what remains public, a person can be profiled by searching for and collecting disparate pieces of information, leading to cases of cyberstalking or reputation damage. Cookies are used on websites so that users may allow the website to retrieve some information from the user’s internet, but they usually do not mention what the data being retrieved is.

In 2018, the General Data Protection Regulation (GDPR) passed a regulation that forces websites to visibly disclose to consumers their information privacy practices, referred to as cookie notices. This was issued to give consumers the choice of what information about their behavior they consent to letting websites track; however, its effectiveness is controversial.

Some websites may engage in deceptive practices such as placing cookie notices in places on the page that are not visible or only giving consumers notice that their information is being tracked but not allowing them to change their privacy settings. Apps like Instagram and Facebook collect user data for a personalized app experience; however, they track user activity on other apps, which jeopardizes users’ privacy and data.

By controlling how visible these cookie notices are, companies can discreetly collect data, giving them more power over consumers. Artificial intelligence can be seen as a hindrance to protecting information privacy as they collect data widely. According to the International Association of Privacy Professionals, about 68% of consumers globally express concern about their privacy online with 57% agreeing that AI can be a threat to their data.

These concerns have intensified as generative AI tools, which learn from data scraped from the web, have become more widely adopted. AI privacy concerns can be linked to unregulated data collection methods, opaque algorithms, and data persistence. Algorithmic opacity means not understanding exactly how and where AI is getting their data and sources from. The lack of clear visibility can make it difficult for someone to understand how their information is being found and used.

Data persistence is data existing for an extended period of time online that can also be without consent. As of now in the United States there are not any explicit federal laws governing AI in terms of data collection. Laws such as the Health Insurance Portability and Accountability Act (HIPAA) and Gramm Leach Bliley Act can regulate companies but it excludes AI. There are state legislatures being enacted. The state of Utah in the United States passed the Artificial Intelligence Policy Act in March of 2024.

The White House Office of Science and Technology Policy created the “Blueprint for an AI Bill of Rights” in 2022 which explained frameworks for data privacy and AI and having AI systems collect user consent prior to using their data. Many researchers have created additional frameworks to address AI and data privacy including data minimization requirements, auditing of AI, and giving users an option to opt out of data collection when using AI.

Friday, September 4, 2026

Phishing For Relief Overcoming Scams In The 21st Century 

Consider this likely familiar scenario: It’s 9 am on a Tuesday, and you open your work email to start your day. One of the first messages in your inbox is from Bank of America and says, “Someone tried to log into your Bank Account from an unfamiliar device, and we need to add some extra security precautions to keep you safe.” Oh no, you think, someone tried to hack me! You dutifully click the link and fill out the information they ask for. The next day, you are shocked to find your checking account has been drained…….Continue reading…..

By Team Verywell Mind

Source: VeryWellMind

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Critics:

The falsification of documents, known as forgery, and counterfeiting are types of fraud involved in physical duplication or fabrication. The “theft” of one’s personal information or identity, like one finding out another’s social security number and then using it as identification, is a type of fraud. Fraud can be committed through and across many media including mail, wire, phone, and the Internet (computer crime and Internet fraud).

Given the international nature of the web and ease with which users can hide their location, obstacles to checking identity and legitimacy online, and the variety of hacker techniques available to gain access to PII have all contributed to the very rapid growth of Internet fraud. In some countries, tax fraud is also prosecuted under false billing or tax forgery.

 There have also been fraudulent “discoveries”, e.g., science, where the appetite is for prestige rather than immediate monetary gain. A hoax is a distinct concept that involves deliberate deception without the intention of gain or of materially damaging or depriving a victim. Internal fraud, also known as “insider fraud”, is fraud committed or attempted by someone within an organisation such as an employee.

The illegal act of obtaining (or the attempt of obtaining) a certain amount of currency in accordance with a contract that promises the later exchange of equated assets, which ultimately never arrive, is a type of fraud, known as commodities fraud. Alternatively, the term can relate to: the failure of registering in an exchange; the act of deliberately providing falsified information to clients; the action of executing transactions with the sole purpose of making a profit for the payee; the theft of client funds.

The detection of fraudulent activities on a large scale is possible with the harvesting of massive amounts of financial data paired with predictive analytics or forensic analytics, the use of electronic data to reconstruct or detect financial fraud. Using computer-based analytic methods in particular allows for surfacing of errors, anomalies, inefficiencies, irregularities, and biases which often refer to fraudsters gravitating to certain dollar amounts to get past internal control thresholds.

These high-level tests include tests related to Benford’s Law and possibly also those statistics known as descriptive statistics. High-level tests are always followed by more focused tests to look for small samples of highly irregular transactions. The familiar methods of correlation and time-series analysis can also be used to detect fraud and other irregularities. Participants of a 2010 survey by the Association of Certified Fraud Examiners estimated that the typical organization loses five percent of its annual revenue to fraud, with a median loss of $160,000.

Fraud committed by owners and executives were more than nine times as costly as employee fraud. The industries most commonly affected are banking, manufacturing, and government. Although elements may vary by jurisdiction and the specific allegations made by a plaintiff who files a lawsuit that alleged fraud, typical elements of a fraud case in the United States are that:

  1. Somebody misrepresents a material fact in order to obtain action or forbearance by another person
  2. The other person relies upon the misrepresentation
  3. The other person suffers injury as a result of the act or forbearance taken in reliance upon the misrepresentation

To establish a civil claim of fraud, most jurisdictions in the United States require that each element of a fraud claim be pleaded with particularity and be proved by a preponderance of the evidence, meaning that it is more likely than not that the fraud occurred. Some jurisdictions impose a higher evidentiary standard, such as Washington State’s requirement that the elements of fraud be proved with clear, cogent, and convincing evidence (very probable evidence), or Pennsylvania’s requirement that common law fraud be proved by clear and convincing evidence.The measure of damages in fraud cases is normally computed using one of two rules:

  • The “benefit of bargain” rule, which allows for recovery of damages in the amount of the difference between the value of the property had it been as represented and its actual value;
  • Out-of-pocket loss, which allows for the recovery of damages in the amount of the difference between the value of what was given and the value of what was received.

Special damages may be allowed if shown to have been proximately caused by defendant’s fraud and the damage amounts are proved with specificity. Some jurisdictions may permit a plaintiff in a fraud case to seek punitive or exemplary damages. Beyond legislation directed at preventing or punishing fraud, some governmental and non-governmental organizations engage in anti-fraud efforts.

Between 1911 and 1933, 47 states adopted the so-called Blue Sky Laws status. These laws were enacted and enforced at the state level and regulated the offering and sale of securities to protect the public from fraud. Though the specific provisions of these laws varied among states, they all required the registration of all securities offerings and sales, as well as of every U.S. stockbroker and brokerage firm. However, these Blue Sky laws were generally found to be ineffective.

To increase public trust in the capital markets the President of the United States, Franklin D. Roosevelt, established the U.S. Securities and Exchange Commission (SEC). The main reason for the creation of the SEC was to regulate the stock market and prevent corporate abuses relating to the offering and sale of securities and corporate reporting. The SEC was given the power to license and regulate stock exchanges, the companies whose securities traded on them, and the brokers and dealers who conducted the trading.

Supreme Court of Canada Denies Leave Application – Strong Case of Fraud Required to Refuse Payment of Letter of Credit JD Supra 21:36 Fri, 17 May 

Indian Airline employee scammed of Rs47,490 in electricity payment fraud The Times of India 22:12 Fri, 10 May

EBA draft opinion on new types of payment fraud and possible mitigants Thomson Reuters – Practical Law 19:08 Mon, 29 Apr

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Phishing ,CyberSecurity ,OnlineSafety ,InternetScams ,StaySafeOnline ,PhishingAwareness ,FightPhishing ,DigitalSafety ,DataProtection ,SecurityTips ,ScamAlert ,FraudPrevention ,TechSavvy ,SecurityEducation ,ProtectYourself ,CyberAware ,AwarenessCampaign ,InformAndProtect ,IncidentResponse ,EmailSecurity, Forgery

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