Tips for seniors to stay safer online

• Never trust a link sent to you by someone you don’t know. By clicking the link you may be taken to a site that may look like your bank or credit card company, but isn’t. One thing a criminal can’t fake is the actual Web site address of a company or bank. Instead of clicking a link in an e-mail, search for the Web address using a search engine to find the real one. Use that to ask the company about the message you received, or call using the number listed on your statements. Mark the real site as a favorite in your browser so that one click brings you there safely every time.

• Never trust an e-mail that asks for your personal or account information (called a phishing scam). These usually seem convincing (the shabby ones have spelling errors, but the high quality scams look impeccable). No bank or reputable company is going to send you an e-mail asking you to correct your information, validate your identity, reenter your password, and so on.

• The smarter scams often contain text warning you against fraud. They do this because many people believe that an e-mail that warns them to be careful must be legitimate. That is not always true. This also extends to sites that claim they have protections in place for your privacy and security. Anybody can make these claims, but only certain sites protect you.

• Never respond – or even open an e-mail with a deal that is too good to be true unless it is from a company that you know well and expect to get these kinds of offers from them. Scammers want you to react without taking time to think things through, so their e-mails frequently sound urgent, such as:

• …“if we don’t hear by tomorrow your account will be closed” (and you’ll notice that the date of “tomorrow” never is listed).

• …”this offer won’t last, order now to ensure”…

• Never believe that someone you don’t know is going to give you money.

• Do not believe a person from another country who just needs you to “help transfer funds” and they need your bank account number to do so. Such scammers promise to give you a huge amount of money for helping them out. The result is an empty bank account.

• If you never entered a lottery, you did not win the lottery. Such scams ask you to provide your information and bank account number so they can transfer your prize money. Don’t. The result is an empty bank account.

• Don’t believe a really rich famous person just wants to help you out…and that the celebrity also mysteriously needs your address, phone number, bank account information to do so. The result is an empty bank account.

Guard your information well. It is better to be rude than to be ripped off, so demand validation, verification, and authentication before giving your information to anyone. If you still feel uneasy, say no or check further.