Personal Development, Finance, and Investing For Filipinos
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Beware of Phishing Scam.! You should protect yourself.
What is a Phishing Scam?
Unexpected emails asking for your personal information, bank account or credit card details, or passwords. These emails usually ask you to click a link to a spoofed or fake website to enter your information. The email looks legitimate but often has a generic greeting (e.g., “Dear Valued Client”), grammatical errors, sense of urgency, and no verifiable contact information of the sender.
Variations of Phishing
Sending of emails that are targeted attacks on specific individuals or companies.
Redirection of a user to a fake website to steal personal information or account information details.
Voice calls, automated voice recording, or Voice over Internet Protocol (VoIP) from someone pretending to be an employee of a bank or popular company, and asking for account details.
Same modus operandi as phishing but uses text or Short Message Service (SMS) on mobile phones instead of email.
What are spoofed websites?
Websites that look legitimate, but are created by scammers to trick you into entering personal information, bank account or credit card details. It is usually linked to phishing emails, or other fake websites.
How to check if a website is legitimate:
Pay attention to the address bar
Check the website address for https:// at the beginning and a visible closed padlock icon. The “s” in https:// stands for “secure” and indicates that the website uses encryption to transfer data, protecting it from hackers. Do not enter personal information into a site beginning with http:// (without the “s”).
Check the domain name
Be familiar with addresses and domain names of legitimate websites and type them directly on the address bar. Scammers create fake websites using addresses that mimic banks, popular brands, and companies. Double-check the address bar especially if you are redirected to it from another website or link.
Watch out for poor grammar and spelling
Mistakes in spelling, punctuation, capitalization, and grammar on a website are red flags. Legitimate companies put extra effort into creating a professional website free of such mistakes.
Try the contact information
Look for the company contact information (phone number, email, live chat, physical address) and try them out. You should hear professional customer service representatives or pre-recorded messages when calling a phone number. If the only method of contact is an email or an online form, proceed with caution.
Research before using a website
Do a quick online search of reviews of a website and look for warnings from reviewers or reliable organizations. You may verify the authenticity of a website through:
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ABOUT THE BLOGGER
Hi, I'm Ralph Gregore Masalihit!
An RFP Graduate (Registered Financial Planner Institute - Philippines).
A Personal Finance Advocate. An I.T. by Profession. An Investor. Business Minded. An Introvert. A Photography Enthusiast. A Travel and Personal Finance Blogger (Lakbay Diwa and Kuripot Pinoy).
Currently, I'm working my way toward time and financial freedom.