Cookies can be troublesome if you don't know how to clear or delete cookies. The purpose of the computer cookie is to help the website keep track of your visits and activity. A setting that controls or limits third-party and tracking cookies can help protect your privacy online. The EU General Data Protection Regulation (GDPR) replaces the Data Protection Directive 95/46/EC and was designed to harmonise data privacy laws across Europe, to protect and empower all EU citizens data privacy and to reshape the way organisations across the region approach data privacy. To comply with new EU regulations, which come into force on May 25th 2018, Delia Online. Third party cookies on your site might come from plugins, such as Youtube, or more commonly from advertisements you place on your website. Third party cookies are among the biggest concerns behind the e-privacy law as these cookies are at times malicious, used not just to track a user but to steal information. Increasing use of Internet and social networking sites affecting the privacy and hence identity like SSI, personal information and other important data can be tracked from cookies and social networks that lead to identity thefts, misuse of login details etc. A cookie is text file which a web-server can store on your hard disk drive which is designed to on where you go on the web.
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What is identity theft?
Identity theft is any kind of deception, scam, or crime that results in the loss of personal data, including the loss of usernames, passwords, banking information, credit card numbers, Social Security Numbers and health ID’s, that is then used without your permission to commit fraud and other crimes.
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Up to 9 million Americans have their identities stolen each year according to the FTC1, and at least 534 million personal records have been compromised since 2005 through attacks on the databases of businesses, government bodies, institutions, and organizations2. If those breaches were spread evenly across the U.S. population of 310 million, everyone would have had their identities stolen one and two-thirds times.
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For some consumers, identity theft is an annoying inconvenience and they can quickly resolve their problems and restore their identity. For others recovering their identity can cost hundreds, even thousands of dollars, take months to resolve, cause tremendous damage to their reputation, cause them to lose job opportunities, even influence the rejection of loan applications for school, homes or cars because would-be employers or loan companies see the damage on your credit scores. Some consumers have even been arrested for crimes committed by someone using their identities and have had to prove that they were not guilty.
How are identities stolen?
Consumers become victims of identity theft through many types of exploits. These can happen the old-fashioned ways when crooks (including family members!) steal mail from your mailbox, rummage through your trash for bills and bank statements, steal wallets and purses, or make an extra copy of your credit card - perhaps when your waiter or clerk walks off to process your payment.
Online identity theft occurs when users fall for tactics like phishing and confidence scams; or download malware onto their computers or smartphones that steals their information; use wireless networks that are insecure; take out money from an ATM that has been rigged with a skimming device that collections your information; share their passwords with untrustworthy people, or by having their information stolen when data records are breached on companies, government, and educational sites.
How can I protect my identity online?
Below are a few key steps you can take to prevent identity theft online:
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- Protect your computer and smartphone with strong, up-to-date security software. If your computer or phone is infected with malicious software, other safeguards are of little help because you’ve given the criminals the key to all your online actions. Also be sure that any operating system updates are installed.
- Learn to spot spam and scams. Though some phishing scams are easy to identify, other phishing attempts in an email, IM, on social networking sites, or websites can look very legitimate. The only way to never fall for phishing scam is to never click on a link that has been sent to you. For example, if the email says it’s from your bank and has all the right logos and knows your name, it may be from your bank - or it may not be. Instead of using the link provided, find the website yourself using a search engine. This way you will know you landed on the legitimate site and not some mocked up fake site.
- Use strong passwords. Weak passwords are an identity thief’s dream - especially if you use the same password everywhere. Once the thief knows your password, they can log you’re your financial accounts and wreak havoc. You need passwords that are long (over 10 characters), strong (use upper and lower case letters, numbers and symbols), and that has nothing to do with your personal information (like name, age, birthdate, pet). Password managers and two-factor authentication (2FA) are also both best practices for password management.
- Monitor your credit scores. By law you have the right to three free credit reports per year; from Experian, Transunion, and Equifax.These three credit bureaus work together through a website called AnnualCreditReport.com so you can quest all three reports at once in one of the following ways:
- Go to the Web site. Through this highly secure site, you can instantly see and print your credit report.
- Call toll-free: (877) 322-8228. You’ll go through a simple verification process over the phone after which they’ll mail the reports to you.
- Request by mail. If you live in certain states, fill out the request form and mail it to the Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. (Get more details.)
Note: Remember that after you request a report, you will have to wait a year to get it free of charge again from the same credit reporting company. (Of course, you can pay for a copy of your credit report at any time.) - Review your credit score. Look to see if there are new credit cards, loans or other transactions on your account that you are not aware of. If there are, take immediate steps to have these terminated and investigated.
- Freeze your credit. Criminals use stolen IDs to open new lines of credit. You can thwart their efforts to use your identity by simply locking (called freezing) your credit so that no new credit can be given without additional information and controls. Many states have laws giving you the right to a free credit freeze, but even where states don’t provide legal mandates, the large credit bureaus provide a voluntary security freeze program at a very low cost.To determine whether there are any costs associated with placing a security freeze on your credit, and for temporarily lifting that credit freeze when you do seek credit, see State Freeze Requirements and Fees.
- Only use reputable websites when making purchases. If you don’t know the reputation of a company that you want to purchase from, do your homework. How are they reviewed by other users? Do they have a strong rating with the Better Business Bureau? Do they use a secure, encrypted connection for personal and financial information? Hypertext transfer protocol Secure (https), as its name suggests, is a more secure variant of the older Hypertext transfer protocol (http). The new protocol was developed to validate the safety and privacy of a site, so it's important you see 'https' in a website’s URL whenever it asks for personal or financial information.
- Stay alert. Watch for common signs of identity theft like:
- False information on your credit reports, including your Social Security number, address(es), name or employer’s name.
- Missing bills or other mail. If your bills don’t arrive or come late, contact your creditors. A missing bill may indicate that an ID thief has hijacked your account and changed your billing address to help hide the crime.
- Getting new credit cards sent to you that you didn’t apply for.
- Having a credit approval denied or being subjected to high-interest rates for no apparent reason.
- Receiving calls or notices about past due bills for products or services you didn’t buy.
- Be wary of public WiFi and think twice before joining an unsecured network. Virtual private networks, or VPNs, are tools that can help you shield yourself from prying eyes on public WiFi networks.
Consistently applying these eight steps to both defend and monitor your credit score will reduce the risks of having your identity stolen, and alert you instantly if such a problem arises. Internet security solutions with identity theft protection can guard against specialized malware designed to steal personal information by logging your keystrokes or snooping on your browsing sessions. Protect usernames, account numbers, and other personal information against spyware and other online threats targeting valuable personal data.
Data protection and privacy laws are particularly important for online businesses which handle personal electronic data or use cookies.
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Data protection considerations
The Data Protection Act 2018 (DPA) is designed to regulate the use of personal data by businesses and other organisations. The DPA is the main legislation implementing the General Data Protection Regulations (GDPR) in the UK.
Anyone processing personal data must ensure that it is:
- used fairly, lawfully and in a transparent manner;
- collected for specified, explicit and legitimate purposes; Unfolder 1 9 5 mm.
- adequate, relevant and its collection limited to what is necessary;
- accurate and kept up to date;
- kept in a form that enables identification of data subjects for no longer than is necessary;
- handled according to the data protection rights of individuals;
- kept secure and not transferred outside the European Economic Area (EEA) without adequate protection.
From 25 May 2018, organisations that determine the purpose for which personal data is processed (i.e. data controllers) must pay the Information Commissioner's Office (ICO) a data protection fee unless they are exempt. To find out more about the data protection fee, see the guidance on the ICO's website.
Cookies are files stored on a computer’s browser by websites which can be used for various purposes, often related to marketing or advertising.
GDPR
If you use cookies to uniquely identify a device or the person using that device, it is considered personal data under the GDPR. This means that cookies used for analytics, advertising and functional services come within the ambit of the GDPR. To be compliant, you'll need to stop collecting cookies that uniquely identify individuals or find a lawful ground to collect and process that data, for example, consent.
Such consent must be:
- given through a clear affirmative action, such as clicking an opt-in box or choosing settings or preferences on a settings menu. Simply visiting a website doesn’t count as consent.
- given freely and genuinely
It must be as easy to withdraw consent as it is to give it. This means that if you want to tell people to block cookies if they don’t give their consent, you must make them accept cookies first. You must also give people the option to change their mind, i.e. by providing an opt-out option. This is especially important if you wish to implement the 'soft opt-in' option.
Privacy and Electronic Communications Regulations
The Privacy and Electronic Communications Regulations (PECR) set out certain online marketing obligations and govern the use of cookies (also known as the Cookie Law).
Under the PECR, websites cannot use 'non essential' cookies unless the consent of the user is expressly given - in other words, users must first opt-in before such cookies can be deployed.
Non-essential cookies are those which are used for analytical purposes or to assist with advertising. Even cookies which customise a website (such as providing a greeting message) are deemed to be non essential.
Essential cookies are generally those which enable an online checkout process to work properly - or if required for technical or security purposes.
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Failure to comply with the Cookie Law can lead to fines of up to £500,000. There are also smaller penalties, such as being sent an information notice or an enforcement notice.
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A website privacy policy helps to reassure visitors that their personal data is protected and can assist in compliance with the GDPR and the Cookie Law.
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- Answer a few questions. We'll take care of the rest