Easily create a free privacy policy. Every website needs one!

Easily create a free privacy policy. Every website needs one!

As transcribed from my video https://youtu.be/wXnRp9pb9TI

“It is important to have a privacy policy on your website due to Google ranking algorithm changes, GDPR, and to protect yourself.

Do you have a website? Do you have a privacy policy? Does it really matter? Google’s making this a part of the search engine ranking algorithm. And it’s becoming very important just to protect yourself. Think of the European Union GDPR that was pushed out last year.

Privacy Policy need Search Rank

You can go to the website https://www.freeprivacypolicy.com/, and it will create one for free, just like the name implies. It covers off things like GDPR, California Online Privacy Protection Act, the General Data Protection Regulation, Google AdWords requirements to have a privacy policy, personal identifiable information, the Federal Trade Commission, and fair information practices.

It has all these check-boxes that you go through when you generate your free privacy policy, spits it out, and it looks great. You can insert this into your website, and you’ve got yourself an instant privacy policy to help ensure that you’re protected, and also that you’re better ranked when it comes to Google.”

Is it safe to use your credit card for online purchases

Is it safe to use your credit card for online purchases

As transcribed from my video: https://youtu.be/_43ytWh_mxM

“I get asked frequently about the security and safety of using credit cards for payment. There’s physical payments, where you’re actually in person making a purchase, and then online payments.

Is It Safe To Use Your Credit Card

Is It Safe To Use Your Credit Card

Let’s talk about physical payments. Is it safe to use tap versus putting the card in and having to type in my pin? My recommendation is anytime you have the opportunity to tap, that you tap your credit card, because no camera or person shoulder surfing, or cashier watching, or a little pin pad recorders, are all going to be not possible if you’re just tapping your credit card, and no, your pin code is not transmitted when you do a tap, it’s only the credit card number for doing the payment. You’re not giving away that confidential piece of information so that somebody could compromise.

Now let’s talk about online payments. Very different. Do you use your credit card online to make a payment? My recommendation is, I avoid it at all cost if I can. Unless it’s a very trusted source and I know that I am making a very secure connection. I’m not doing this in any internet cafes, and I’m not doing it over public WiFi sitting at Starbucks, Second Cup, or Tim Hortons, or some other coffee shop. What I’m doing is making sure that I am using a VPN connection. It’s a secured encrypted tunnel. I have a video on that if you want to go and look at my recommendations on VPN providers that you should use for virtual private networks. I’m also making sure that there’s that little lock symbol on my web browser. It says https and it says secure, to make sure that the information between my web browser and the web server at the other end is encrypted, and if I have a choice, I am not putting in my credit card number into that form.

What am I doing? I’m using some kind of tokenized payment system, like PayPal. That’s why I like PayPal because PayPal has the ability to do a one-time authorization of a payment to a vendor. They don’t get your credit card information. They cannot go and charge it again for other charges, unless of course, the vendor that you went and subscribed to has you doing a recurring payment by PayPal, and that’ll be very obvious to you. It’ll come up on the screen, and it’ll say, “Are you sure that you want to authorize a recurring payment for the current payment and future payments?” No, you want to make sure that you’re doing a one-time payment. If by chance you did a recurring payment on PayPal, you can go into your settings of your PayPal account, review all of the recurring payment merchants that have access to your account, and you can disable them. I do that very frequently. Probably once every month or two. I review everything on there, and I disable anything that is set for authorized access to my account, because, I want to make sure that I know and have control when I give out money from my account and make online payments.

Another idea to use gift cards, to use anything online where you’re not giving out your information of your card. That’s what bothers me is that credit cards are too easy to use and share. Once you know the credit card number, and you know the expiry date, generally speaking that’s enough, in a lot of cases, to go and make online purchases. The black market for credit card numbers is quite prevalent, and you want to make sure that you have enabled credit card alerts on your credit card as well, so that any time a charge goes through from your credit card that you get notified right away by email or text notification. Most credit cards allow this ability. I have enabled it on all my credit cards, and it tells me immediately. I could be sitting at a cashier right, and using my credit card and immediately I get an alert. It’s very quick. The reasoning that it’s good is because if something bad has happened, then you can immediately shut it down or call your credit card company and say that’s an unauthorized charge.

Another tip, use a second credit card for your online purchases. If you actually need to use a credit card, and you can’t tap it, and you can’t go and use something like PayPal or some other token based payment system, I would recommend that you have a second credit card with a low limit. The purpose behind that is if that credit card gets compromised, they can’t do much with it. It has a low limit. 500 or 1,000 dollars. Also, if you cancel that card, because it got compromised and you need to get another one, it doesn’t matter. It’s not going to affect you going and contacting all of your accounts that have preauthorized purchases. Also perhaps you’re traveling. When you travel and you need to use a credit card for payment, which I would be very careful with when you’re in a country that is unknown to you, again, you could use your second online credit card for those purchases that are questionable because, again, if it gets compromised, it’s not your main credit card that has all your preauthorized payments associated with it.

These are some tips that you can use if you are doing physical, in-person credit card payments or online purchases or you’re traveling in another country, or if it’s unknown to you because you want to make sure that you safeguard yourself against the inconveniences of dealing with a compromised credit card.”

 

Got kids? Have you enabled parental controls and prevented them from using up all your mobile data?

Got kids? Have you enabled parental controls and prevented them from using up all your mobile data?

Many families are providing phones to their children so you can stay in touch and keep up with the times. Typically these are added to a family plan where all devices share the same monthly data. With this great power comes great responsibility, many children (and adults) don’t understand mobile vs wifi data or get addicted to their phones during times they should be sleeping or doing their homework.

There are several solutions available, some you can implement in combination with each other for very effective controls.

Screentime
iOS and Android

Manage the time your kids spend on their tablets and smartphones.

You can easily set daily time limits, reward additional time with completed tasks/homework, block schedules like sleep time and homework, immediate pause, approve new apps, see which apps are used the most, and access their web history.

NetGuard
Android

More advanced to block Internet access on a per app basis. You can restrict YouTube if not on WiFi or only allow Maps/Hangout access. NetGuard displays all of the apps in alphabetical order and next to each one is a toggle for WiFi and mobile data. Disable access to whichever one you like.

NetNanny
Android, iOS, Desktop

Block apps, filter websites, block and mask out profanity & pornography, monitor their time usage and social media, provide you with alerts and reporting.

Are advertisers tracking you? Here’s how to control them.

Are advertisers tracking you? Here’s how to control them.

Have you recently visited a website to take a quick look at something and then got bombarded with ads from that company anywhere you go?  Advertisers who use the Google Ads platform can track you on Google, YouTube, and any of their ad partners through apps and websites.

You can control this through Google Ad personalization by clicking on this link (requires you to be logged into your Google account):

www.google.com/settings/u/0/ads

You will likely have an Aha moment upon clicking on this link and recognizing many of the advertisers that have been tracking you.  There you have the ability to turn off many of the advertisers if they aren’t relevant to what you search for online.

 

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All Wi-Fi now hackable – this affects everyone!

All Wi-Fi now hackable – this affects everyone!

This topic is so serious, I feel obliged to tell as many people as possible. This affects everyone!

An extremely serious vulnerability has been exposed affecting everyone. We all use WiFi and we are all vulnerable to this latest attack.

 

KRACK ATTACK

Two Belgian researchers discovered a vulnerability in the WiFi protocol (last year! 2016). They put their research paper out for comments in May 2017 and have now released it to the public. Key Reinstallation Attack (KRACK) is a man-in-the-middle attack targeting the 4-way handshake that occurs in the WPA2 wireless protocol. Huh?  Read on..

 

DOES THIS AFFECT ME?

YES!!!

hacker

Not too long ago, we all used WEP wireless encryption (even if you didn’t know). It was the standard and is now extremely unsecure and can be hacked real time.  The industry settled on WPA2 wireless encryption protocol as the new standard. It is everywhere. We all use it. It’s the default.

ALL ARE AFFECTED
Androids, iOS, MacOS, Windows, OpenBSD, Linux, Embedded and IoT devices.

The most vulnerable devices are Android 6.0 for the simplest form of attack making it trivial to decrypt all network traffic yet even Windows and iOS are susceptible to other forms of attack. All major operating systems are vulnerable to at least one form of the attack.

BleepingComputer.com is maintaining a list of all vendors addressing the KRACK WiFi vulnerability.

 

Note this does not affect your cell phone 4G/LTE data connection but rather Wi-Fi.

 

WHAT DOES THIS MEAN?

Someone can be sitting in a vehicle or in your neighborhood, within range of your wireless network, and they can potentially see what devices you have on your network (webcams, security devices, printers, computers, files, private photos). They can see where you are going on the Internet, what websites you are browsing, and potentially see your account passwords. This is a real threat to everyone’s privacy. We all rely very heavily on wireless technologies.

 

WHAT CAN I DO?

  1. Once again, I emphasize how it is important to ensure websites you interact with have SSL encryption. This is another layer of protection that is separate from the WiFi protocol. You need to see that lock symbol in your web browser, it needs to say “https” (the “s” is important).  Also ensure that it continues to stay secure as there are attacks that exploit webservers and disable the SSL encryption.
  2. Make use of virtual private networks (VPN) when connecting to home or office networks remotely. This is another encrypted layer which securely tunnels your traffic over the Internet to the destination.
  3. Ensure you apply firmware and software updates on a regular basis!!  So many people do not apply updates.  For this situation, this affects everything you have which communicates wirelessly. There will be updates coming soon for iOS and Android, make sure you apply them. I am concerned that many of you have never updated the Internet routers at your home and this opens up your entire home network and all devices to hackers. Learn how to update your routers (NetGear / DLink / Linksys / Asus / Ubiquiti / Cisco / etc).

 

I’M NOT TECHNICAL

You need to get some help, either someone your know or else pay someone to secure your devices.    This is not a topic you can ignore and hope it goes away.  Privacy and security is something very real that everyone needs to understand the risks and address.

 

I AM TECHNICAL

Want more information?

https://www.krackattacks.com/

https://arstechnica.com/information-technology/2017/10/how-the-krack-attack-destroys-nearly-all-wi-fi-security/

https://www.bleepingcomputer.com/news/security/new-krack-attack-breaks-wpa2-wifi-protocol/