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Hi everyone, here you will learn all about Identity theft. We will post websites, videos and images to be able to understand properly all about Identity Theft like how to protect our privacy online, types of identity fraud and how to recognize if we are a victim of identity fraud already.. It is important to learn everything so we well be aware how to protect our identity and money from criminals.

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This website are all about protecting our privacy online. It gives information how to protect our personal information when we do online shopping, surfing the web or social networking. We should not provide any sensitive information such as health or financial data if we are not comfortable with the sites. It also covered different kind of online scams and how to avoid them. For example, Phishing, be aware of any unsolicited email or spam from unknown sources. It also provide information about security measures to use like privacy settings in the browser.
I chose this website because it is a reliable information from the privacy Commissioner of Canada and there are a lot of reliable information that will help people to avoid to be a victim of identity theft.

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Tips for protecting privacy while surfing the web, using email or social networking

The online world offers tremendous convenience, but also carries risks for privacy. Your clicks and website visits leave data trails that may be of great interest to businesses for marketing and other purposes. And every time you post a thought or photo, it can live on in cyberspace forever-even if you think you've deleted it. Criminals also have sophisticated ways to access your financial and other sensitive personal information.

While organizations that collect and use your information have a responsibility to protect it, there are measures you can take to protect yourself from identity fraud or the misuse of your information, or to ensure that your privacy is respected in the way you would want.

How can I protect my personal information online?

When doing any online transaction, always ask yourself:

Who is collecting the information?

Is it necessary for the transaction??

What will be done with it?

What are the consequences for me?

You should find answers to these questions in the website or email provider's privacy policy, terms of use agreement or other privacy communications which are required to explain the company's collection, use, disclosure and safeguard policies. If you are still unsure, contact the organization's privacy officer directly. Don't provide your personal information, especially sensitive information such as health or financial data, if you don't feel comfortable with the site's policies.

Companies may want to use your personal information for analytical or marketing purposes or pass your details on to other companies for similar reasons. They should ideally give you the chance to opt in or, in some circumstances, out of such services.

What are online scams and how can I avoid them?

Numerous scams exist that try to get you to provide personal details, including details of your bank account or credit card, for fraud.

Phishing is an email scam that lures you under false pretenses to websites that look legitimate to get you to provide personal information. Such emails sometimes appear to be from recognizable sources such as banks or disaster relief organizations but are actually linked to fraudulent websites.

Spear phishing usually occurs on social media sites and involves fraudsters pretending to be part of a particular social network to build trust and solicit information for nefarious purposes.

Be wary of unsolicited email or spam from unknown sources or questionable links in social media messages. They may contain malware that could harm your computer and potentially steal your personal data. Even if it looks like it comes from somebody you know, be suspicious of odd messages as your friend's account may have been hacked.

If in doubt, don't open emails or attachments or click on suspicious links. Also, don't disclose any personal information online unless you are sure you know who you are dealing with. You may wish to authenticate the message by contacting the person or organization that purportedly sent it to you directly.

Can I opt out of online marketing and advertising?

There are different ways of advertising to people online. Some involve displaying the same ads to everyone who visits a particular website. Online behavioural advertising involves showing you a selection of ads based on the websites you've visited. This targeted approach aims to tell you about products or services you are likely to be interested in.

Organizations and companies have always used information about their customers to market goods and services to them. For many people this will be a welcome and useful feature of using the Internet, particularly when shopping online.

However, some people dislike this approach and don't want their buying and browsing habits tracked for these purposes.

Websites should provide an easy way for you to opt out of receiving such ads or recommendations. For example, you should be told when cookies are being used and given choices about whether you agree to their use.

Tip: For more information about online behavioural advertising and tracking, check out our fact sheet: Online Behavioural Advertising in Brief.

What security measures can I take?

Your Internet browser has built-in tools to help protect your personal information. Take some time to learn about the security and privacy settings in your browser and keep it up to date.

Some tools help control the amount of personal information you put online; others allow you to wipe the details of sites you have visited, or searches you have made, from your computer. Install antivirus and security software and keep this software updated.

When surfing on public Wi-Fi, avoid sensitive transactions such as online banking as the connection is not secure and others may be able to capture the data you are sending. You may wish to enable private browsing on public wireless networks by adding security such as a Virtual Private Network (VPN). A VPN allows you to send and receive data on a public network as if you were connected to your private home or work network.

When choosing a password, avoid obvious choices such as mother's maiden name, child's name, pet's name, or other references that someone may be able to guess through information you have posted elsewhere. Make them eight or more characters. Use a combination of letters, numbers and symbols. Use different passwords for different websites, accounts and devices. If you need to write your passwords down to remember them, keep them offline in a secret, secure, locked place.

Be wary of anyone who asks for your bank or credit card details via email and only use secure sites when shopping online. While not foolproof, look for the lock icon, HTTPS protocol or green highlighting in the address bar. These are all signs the site is likely secure.

What should I consider when social networking?

Whether you are using a networking site, internet dating site or just chatting on a message board, chances are you are putting personal information online. Once it's out there, you may not be able to control what happens to it. This could pose a risk to your privacy or even make you vulnerable to identity theft or fraud.

So before you create a profile, post a picture or tell the online world what you're doing, think about how to make sure you're safe online.

Avoid sharing too many personal details with large numbers of people, for example by allowing open access to your social media pages. Familiarize yourself with the privacy settings of your favorite social networks and adjust them according to your comfort level.

When posting information online it's also worth thinking about who might see it apart from your intended audience-would the things you write or the pictures you post cause embarrassment in real life? How would you feel if your current or potential employer saw what you posted?

Most sites have privacy settings that allow you to control how public or private your information is. While some sites set privacy settings automatically at their most private level, on others all your information could be available to anyone unless you change the privacy setting. If you don't understand what a particular privacy setting means in practice, don't post any information until you have figured it out.

Here are a few things to consider before posting information or images on social networking sites:

Find out how the privacy settings offered can limit access to your personal information;

Adjust your privacy settings so that information about your family and children is shared only with those you know well;

Don't include too much personal information that could make you vulnerable to identity fraud;

Think carefully before posting information-would you want your employer or potential employer to see those compromising photos;

Review your information regularly-what may have seemed like a good idea at the time may not seem like such a good idea months or years later. But remember that while there are often tools to delete or hide information, data posted online can persist in different places and permanent removal can be difficult if not impossible;

Get people's consent before you upload their pictures or personal information; and

Use strong passwords and logins to prevent your account from being hacked.

How can I help my children stay safe online?

Children use the internet regularly and may be involved in more online activity than their parents. Some children may even have greater technical knowledge than their parents, but they may be unable to identify the risks of sharing too much personal information online, and may be unable to spot scams as readily as adults.

Tip: Check out our 12 Quick Privacy Tips for Parents for more on how to protect young internauts.

What can I do if someone says something about me online that I don't like?

There are several things you can do:

Most social networking sites have a policy for dealing with inaccurate or derogatory posts. Have a look on their website for their procedure for complaining about a post or asking for something to be removed;

If you can't find a procedure or form on the website, try contacting the website administrator with your concerns;

Take the matter up directly with the organization or individual who has posted the comments about you, if you think this might help; and

If you think that the posting is defamatory, or you feel threatened or harassed, seek legal advice or contact the police.

It's important to note that Canada's private sector privacy law only applies to organizations involved in a commercial activity. Since disputes between individuals generally don't involve commercial activity, the Office of the Privacy Commissioner of Canada can seldom intervene.

What else can I do?

You can try to stop organizations from using your information to send you direct marketing. You should be given the opportunity to opt in or out of receiving marketing materials at the moment you are asked to give your personal details. You should also have the opportunity to change your preference later.

Check off the "no thanks" box on electronic forms when asked to provide personal information or send an email stating your refusal to be contacted. Report email solicitations that are fraudulent or misleading or that you did not consent to receiving. It may be spam and the sender may be breaking the law.

If you have concerns about the personal information handling practices of an organization, your first step should be to bring it to their attention. Most organizations are sensitive to consumer concerns about privacy. In many cases, a concern you have about how your personal information has been handled by an organization can be quickly and effectively addressed if you raise it directly with them.

You also have the right to access and correct the personal information an organization has about you.

If, after speaking directly with the organization, you have not resolved your issue, you may wish to contact our Office for more information or to file a formal complaint.

You may also wish to read up on the basics of Canada's federal privacy laws: the Privacy Act, which applies to the personal information handling practices of federal government institutions, and the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's federal private sector privacy law.
* We wish to thank the U.K. Information Commissioner's Office for granting permission to adapt sections of their document on online safety for use by the Office of the Privacy Commissioner of Canada.

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The online world offers tremendous convenience, but also carries risks for privacy. Your clicks and website visits leave data trails that may be of great interest to businesses for marketing and other purposes. And every time you post a thought or photo, it can live on in cyberspace forever-even if you think you've deleted it.

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Website #2  Are you a victim of identity theft? 

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Website #2  Are you a victim of identity theft? 

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This website from Ontario covers what to do if you are a victim of Identity theft and how to keep your personal and financial information safe. They discussed the different types of Identity fraud like when they use your personal information to spend money from your accounts or apply for loans or credit cards using your personal information. They also tackle any signs of identity theft like when you receive call from collection agencies for an account you don't have or financial statements that show withdrawals you didn't make. This will alert people so that any kind of Identity theft will be resolve quickly. Also, they discussed in details how to protect your identity at home, when shopping or if you are online or on mobile device.
I chose this website because it is also a trustworthy and reliable source of information from Ontario which gives detailed and easy to understand information about how to avoid or recover from identity theft.

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Types of ID fraud

Identity theft is when someone uses your personal information without your knowledge for criminal purposes.

They may use the stolen information to gain access to your financial accounts, hack into your online accounts, and/or defraud others. Once they access your personal information, identity thieves can also:

spend money from your accounts

open new bank accounts

change your passwords and contact information for your online accounts

apply for loans, credit cards and benefits in your name

rent an apartment or car

commit other crimes using your credentials

Another form of identity theft is when someone sets up accounts on social media channels or websites using your name, image and/or other information. While this may not cause harm to your financial accounts, it can harm your reputation.

If this happens, check the terms of the social media site or website to find out how to take action against the account that is falsely using your name or likeness. If criminal activity is involved - for example, if someone is creating fake online accounts in your name to harass you - take screen shots of the online activity and file a report with your local police.

How identity is stolen

Common methods include:

stealing your mail

looking for personal documents in your trash

tampering with ATMs or card machines in shops to steal your banking information

taking personal information through public sources (e.g., telephone books and social media)

Identity thieves generally look for:

Your identity may also be stolen from your online transactions. If you don't change your passwords and strengthen your web security features regularly, it can become easy for someone to access your:

email (to steal personal and financial information, schedules etc.)

online shopping accounts (to steal credit card and address information)

banking accounts (to transfer funds, open new accounts or apply for loans)

credit card accounts (to shop and apply for new cards)

government accounts (to change your contact information on government IDs, access benefits, etc.)

Signs of identity theft

Your personal information can be stolen without your knowledge.

Many people find out they've been the victim of identity theft when they're denied a loan, job or rent unexpectedly because of a credit check. This is why it's very important to check your credit report once a year for errors or strange activities.

Others signs of identity theft include:

bills and statements don't arrive when they are supposed to - they may have been stolen from your mailbox or someone may have changed the mailing address for your accounts

you receive calls from collection agencies or creditors for an account you don't have

you receive notification from your bank, credit card or online business about a new account in your name, or added charges

financial account statements show withdrawals or transfers you didn't make

a creditor calls to say you've been approved or denied credit that you haven't applied for

If identity is stolen

The Royal Canadian Mounted Police (RCMP) have step by step advice on what to do if you have mistakenly provided your personal information to an unknown person.

If you think your financial accounts have been breached, you can pay to put an alert on your credit report. This can alert those checking your credit to make sure they are dealing with you and not an imposter.

To minimize any further incidences and to begin the process of clearing any harm done, you should:

keep a log of all your phone calls (write down the name of anyone you talked to, what he or she told you and the date your conversation occurred)

follow up in writing with contacts you've made on the telephone or in person to make sure you have a record of all agreements

make copies and keep all originals of supporting documentation, like police reports and letters to and from companies

keep old files even if you believe the case has been resolved, in case errors reappear on your credit reports or if old issues arise

Protect your identity

empty your mailbox daily (if you're going away on vacation, ask friends or trusted neighbours to pick up your mail or you can also opt for Canada Post's "hold mail" service)

store ID cards and documents, such as birth certificates, social insurance numbers and passports, in a secure place such as a locked fireproof safe

shred any documents and items with personal information once you no longer need them (e.g., expired ID cards, credit card offers and financial statements)

check balances on your statements from banks, credit cards and companies regularly

report any strange activities in your bills and statements, however minor, right away (fraudsters often steal in small amounts from many cards to evade detection)

check your credit report once a year for errors or strange activities (you may also wish to consider purchasing a credit monitoring service that alerts you when there are changes to your credit report or score)

avoid giving out any personal information over the telephone unless you've placed the call yourself or know the business

avoid giving out sensitive personal information like a SIN number or credit card number over the telephone when you're in a public place (you never know who may be listening)

don't put more than your name and address on your personal cheques

When shopping, you should:

carry as few cards and documents as possible, and always check to see the credit card you get back from the cashier is your own

never tell anyone your banking PIN or credit card PIN

make sure no one is watching when you use a banking machine or ATM

avoid using banking or cash machines in isolated or dimly lit areas

avoid giving out too much personal information (you're not required to provide stores your full mailing address, email address and date of birth)

If you're online or on your mobile device:

change your passwords often and make them strong

avoid posting personal information online such as your date of birth and mailing address

make sure you review and understand the privacy settings on all social media sites you use before posting any update (you should review the privacy settings regularly as they often change)

disable the "geo-tracking" option on your phone before posting public photos on social media sites (by default, this option is enabled on most phones and it allows someone to figure out exactly where your photos were taken)

before you sell or dispose of your computer, phone or tablet, completely wipe its hard drive or have the hard drive or device destroyed

consider setting up email alerts that notify you each time your name is used somewhere online

avoid online shopping and banking when using public Wi-Fi as the connection may not be secure

before giving your credit card number or other financial information to a business, make sure that it's a secure website (look for a lock symbol located somewhere on the web page or make sure the URL begins with "https")

after completing a financial transaction online, make sure you sign out of the website and clear your browser's cookies and cache

make sure your computer's anti-virus and other security features to detect malware are up-to-date

don't download apps or software on your phone or tablet unless they're from official app stores or libraries

know that government organizations, financial institutions and police will never email or text to ask for your passwords or PINs

never click on a link from a spam message, especially when it promises rewards, prizes or any exclusive information

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How to avoid or recover from identity theft

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Identity theft is when someone uses your personal information without your knowledge for criminal purposes. They may use the stolen information to gain access to your financial accounts, hack into your online accounts, and/or defraud others.

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Video #1 Identifying and Preventing Identity Theft

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Video #1 Identifying and Preventing Identity Theft

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This video is an interview by CBC news to the Executive Director of Consolidated Credit Counselling Services of Canada. This discussed how people know if they become a victim of Identity theft. It says that Identity theft made it worst by the internet even there security protection like chip pin technology. Complaints to anti-fraud also increased. RCMP thinks also that only 5% of Identity theft are reported. They discussed also ways to prevent identity theft like don't carry SIN, protect PIN and keep receipts. They provide ways what to do if wallet are stolen like cancelling credit cards immediately, call police and warn employer.
I chose this video because its very informative even it is just a short video. The speaker are very knowledgeable about the topic and its from a reliable source which is CBC news.

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Identifying and preventing identity theft

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This video is created by Bank of Canada about Debit and Credit card fraud and how you can protect the card from fraud. They shows us that if there are suspicious customers that orders a lot of stuff and rushing to finish the transaction, don't care about any sale or promotions. We should follow card acceptance procedures like make sure to check the signature panel on the back of the card is signed and it matched the signature of the customer. It is not altered or taped over. Check also the security features of the card, make sure the front number of the card are clear and uniform in sizes.  The first 4 digits of the card should match the 4 digits printed above or below it and match also the last 4 digits printed on the receipts.  For Debit cards skimming, fraudster steal PIN by shoulder surf or PIN hole camera that records the PIN.
I chose this video because it has also a credible source which is the Bank of Canada. Many people use credit cards to shop anywhere so its important to know how to protect credit card. It will also alert those in retails or stores how to be vigilant when there are suspicious shoppers to prevent crime.

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Youve probably heard of debit and credit card fraud. But have you heard how to beat it? Watch this video by the Bank of Canada and its partners to see how you can protect your credit and debit cards. Be sure to check out more videos on our channel.

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I've attached a link to one of Canada's most commonly used bank. They discuss how they protect you from fraud and identify theft. TD bank uses a number things to protect you and your private personal information. They use single- code security pins, they have a voice recognition for when you call them, as well as security alerts if there's strange activity on your account. They also provide information on how you can protect yourself as well.
I chose to added this link because I think it's important to know how your financial institution protects your information before opening an accounts with them. This is important because if any fraud were to take place you need to know if the bank will support you during the situation.

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Our online and mobile security commitment

TD Bank is committed to providing you with a secure online experience that protects our public website and Online Banking, our mobile apps and your confidential information. Our employees are trained on our security policies and procedures and work diligently to protect the integrity of your information.

We use industry-accepted security practices, including firewalls and encryption, to safeguard the security of your personal financial information. These controls allow us to properly authenticate your identity when you access our online and mobile services and help to protect your information as it travels over the internet between your device and TD Bank. We also constantly monitor and assess the security of our website and mobile apps.

With everything we're doing to protect your information, keep in mind that it is also important for you to take precautions to safeguard personal information on your end.
Find out more about what we do to protect your information

Report a lost or stolen card

Report a vulnerability

Learn how to report a potential security vulnerability and review our policy for responsible disclosure.
Find out more

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What We Do

What You Can Do

Protect Your Business

What we do

The security of your personal information and our website is our top priority - however you bank. And our concern for the safety of your financial and personal information goes beyond our banking relationship with you. We'll work with you to help prevent fraud, phishing, SMShing and vishing - and provide you with the latest tools and information to help safeguard your mobile, desktop and online experience.

TD VoicePrint, single-use security codes and security alerts

Speech recognition technology - set it up once, and use it every time.
TD VoicePrint is a voice-recognition technology that allows us to use your voiceprint - as unique to you as your fingerprint - to validate your identity whenever you speak on the phone with one of our Live Customer Service representatives.

It's really simple to enroll - just talk.

Call Live Customer Service 1-888-751-9000 1-888-751-9000

Request to enroll in TD VoicePrint

The customer service representative will get you set up

The software does all the work in the background as you and the representative have a normal conversation. Once your voiceprint is captured, you will be asked to confirm your enrollment in TD VoicePrint.

Once captured, your TD VoicePrint will be stored for future use. A voiceprint is not a recording, or something that can be stolen. It can't be used to gain access to any other system or to create a recording of your voice.

It's free.
TD VoicePrint is such an important security feature that we want everyone who is interested to enroll - so we've made it free. Call 24/7 Customer Service at 1-888-751-9000 1-888-751-9000 to enroll.

Single-use security codes

A single-use security code is a unique number that we generate and send to your phone by SMS text or voice message whenever we need to verify your identity. For example, you may be prompted to provide a security code when you log in from an unfamiliar device or location.

Because single-use security codes change every time we need you to verify your identity, they prevent fraud efforts, and provide enhanced security for your online accounts.

Each time we prompt you, you'll be able to tell us which phone to send your code to, and if you want it sent by SMS text or voice message. Once you receive your security code, you simply enter it onto the screen and continue banking. The security code can only be used once. This 2-step verification provides an added layer of security to help keep your account safe from hackers or unauthorized users who may have your username and/or password.

Please note that standard wireless carrier message and data rates may apply for SMS text messages.

Security alerts
Data Incidents
TD Bank has fraud detection processes in place to help protect our customers from data incidents - including data breaches where hackers infiltrate secure networks to steal e-mail addresses, phone numbers, Social Security numbers or other sensitive personal and/or business information. In the event of such an occurrence, we may contact you to verify account activity - but we will never ask you for sensitive information such as your Online Banking password or card PIN. Our consumer debit and credit cards also have Visa's Zero Liability Policy, so in the unlikely event that fraudulent charges are made with your card or account information you won't be held responsible. ¹
Security Bugs
TD has put in place defenses to protect against potential threats so customers can conduct their banking securely and without their data being at risk. TD also has multilayered authentication safeguards in place. As an added measure of protection, we recommend changing passwords regularly.

What you can do

While we make every effort to secure your personal information, there's plenty you can do to avoid falling prey to fraud and identity theft. Through regular account review to spot unusual activity, heightened awareness of current malware and fraud threats, and the use of reputable security software, you can significantly reduce your fraud and identity theft risks.

Protect your business

The security of sensitive information is critical to the success and sustainability of your business. TD Bank uses state-of-the-art security protocols to protect your business data, and there are a number of steps you can take to further prevent data theft and fraud.

Get security help

Security quiz

Increase your online security IQ and learn the right steps to prevent fraud and identity theft

Identity protection interactive guide

Learn step by step what you can do to protect your identity in this helpful interactive guide

Privacy statement

Explore the steps we have taken to protect your personal information

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Clients may be referred to TD Ameritrade, Inc., member FINRA/ SIPC (TD Ameritrade) for brokerage services and additional investing options. TD Ameritrade, Inc. is a subsidiary of TD Ameritrade Holding Corporation. TD Ameritrade Holding Corporation is a wholly owned subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

©2021 TD Bank, N.A. All Rights Reserved.

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TD Bank is committed to providing you with a secure online experience that protects our public website and Online Banking, our mobile apps and your confidential information. Our employees are trained on our security policies and procedures and work diligently to protect the integrity of your information.

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This video is produced by CBC News - Marketplace. They discuss how scammers luring unsuspecting consumers with low- interest credit cards to steal their identity. Furthermore they discuss how Canada's credit bureau  don't take the full steps to protect your private information. They also consider third parties using information given from trusted private companies with your personal information to help them manage their services. They don't always disclose this, but they are not allowed to do so without out you're consent.
I chose this because it's important to know your rights, how to protect yourself if trusted companies won't and what can you do if you find yourself a victim or fraud or identity theft.

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ID theft Q&A: How to protect your personal information (Marketplace)

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Image #1 SHOCKING IDENTITY THEFT STATISTICS   

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Image #1 SHOCKING IDENTITY THEFT STATISTICS   

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This image is provided to us by Equifax. It shows us the sad and relevant statistics of people who fall victim to identity theft and fraud each year in Canada. It shows that mostly of millennials still don't' follow the advice of an expert to prevent identity fraud like changing their password or double checking their credit card or bank statements.

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Question 1: What did you learn about your topic that surprised you most?

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Question 1: What did you learn about your topic that surprised you most?

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What surprised me most about identity theft the was a hacker only needs one element of your identity to commit fraud. By having just your name they can make up the rest of the information such as your birth date, address, etc. Then use your identity to apply for loans, credit cards or whatever they want. This can harm your chances of getting a credit increase on your card or obtaining a loan because the bank thinks the debt the scammer took was actually you. This is honestly so scary because you never know who as access to the information you give out.

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Question 2: Provide a real-life example of how this topic is relevant or interests you.

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Question 2: Provide a real-life example of how this topic is relevant or interests you.

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This topic interests me because identity theft can happen to anyone. It is so easy for a scammer to send out mass emails to thousands of people and if they open them or even fill out the information it asks for, you could be at risk. I receive emails all the time telling me "I won a contest" and for me to collect the prize I need to give them my bank information. I personally know not to give out that information especially if I have not entered a contest. But I could imagine how many people fill it out because they make you feel lucky for winning something. That being said it is very important to educate others on ways to protect and detect when they are at risk for identity theft.

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Question 3: If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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Question 3: If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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I think the most important information to pass on is how to protect yourself. This is important because you can't always rely on institutions to protect you. you must take the steps yourself to protect yourself from fraud and identity theft. Although, educating yourself won't cut it, you have to put these protections in place for it too work. Protecting yourself and having the banks protect you, these still aren't 100% effective. Scammers and hackers are very smart. however, the more protection you you have the more difficult it will be to fall victim. It can happen to anyone at anytime, they don't discriminate, so don't be embarrassed if it happens. The most important thing is to report it immediately and follow up with the police and financial institution.

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Image # 2 What to do if you fall victim to identity theft?!

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Image # 2 What to do if you fall victim to identity theft?!

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Identity theft is a very serious matter. It can be very stressful and scary thing to experience. This is a an info-graph that tells you how to quickly and effectively deal with identity theft when you find out.

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This website is credited from the government of Ontario. It provides red flags to watch for when trying to protect yourself from identity theft. Individuals often receive emails, texts, or website links that are scams and could be attempting to steal your personal information on a day to day basis. Pay close attention to grammatical errors, personal information requests, wire transferring and much more.

I chose this website because it is a provided from the government, therefore I know it is reliable information. It is also important to inform yourself upon red flags of identify theft via the internet. Our generation uses the internet as a main source of communication, thus you never know who has access to your information when signing up for websites. For example; when a you receive a message to "click the link below" because you've won a contest for a large amount of money but you haven't enter any contests. Do not click anything and delete the message, they are probably trying to take your information.

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Publication
March 1, 2018

Preface

Scammers are sneaky and sly. They can target anyone, from youngsters to retirees. They can also target businesses. No one is immune to fraud.

Our group of superheroes has found a way to see through the scams. Their secret is simple: knowledge is power!

Read on to find out how you can also become a fraud-fighting superhero. Share this booklet with family and friends and start powering up!

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Table of contents

This publication is not a legal document. It is intended to provide general information and is provided for convenience. To learn more, please refer to the full text of the Acts or contact the Competition Bureau.

For information on the Competition Bureau's activities, please contact:

Information Centre
Competition Bureau
50 Victoria Street
Gatineau QC K1A 0C9

Tel.: 819‑997‑4282
Toll free: 1‑800‑348‑5358
TTY (for hearing impaired): 1‑866‑694‑8389
Fax: 819‑997‑0324
Website: www.competitionbureau.gc.ca

This publication can be made available in alternative formats upon request. Contact the Competition Bureau's Information Centre at the numbers listed above.
First published by the Competition Bureau Canada 2012

Permission to reproduce

Except as otherwise specifically noted, the information in this publication may be reproduced, in part or in whole and by any means, without charge or further permission from the Competition Bureau provided due diligence is exercised in ensuring the accuracy of the information reproduced; that the Competition Bureau is identified as the source institution; and that the reproduction is not represented as an official version of the information reproduced, nor as having been made in affiliation with, or with the endorsement of the Competition Bureau. For permission to reproduce the information in this publication for commercial redistribution, please Apply for Crown Copyright Clearance or write to:

Communications and Marketing Branch
Innovation, Science and Economic Development Canada
C.D. Howe Building
235 Queen Street
Ottawa, ON K1A 0H5

Email: ISED@Canada.ca

© Her Majesty the Queen in Right of Canada, as represented by the Minister of Industry, 2018

Aussi offert en français sous le titre Le petit livre noir de la fraude 2 e édition.

Fraud fighting 101

Fraud fighting 101

Six brightly dressed superheroes stand together and are ready to fight fraud. The diverse cast of the superhero team ranges in different ages. From left to right, they include:

a sitting grey, blue-eyed dog wearing a purple superhero cape;

an elderly man with a grey beard in a purple superhero suit, waving hello with his right hand;

a red-haired woman in a yellow superhero suit with a small smile;

a teenage boy in a red superhero suit is giving a thumbs-up;

a smiling teenage girl in a lime green superhero suit; and

a muscular man in a blue superhero suit with a big smile.

The diversity of the superhero team represents the fact that anyone is capable of fighting fraud.

Become a real-life superhero by arming yourself with the information you need to fight fraud and keep yourself, your family and your money safe.

You work hard for your money. You want to spend it on things that matter to you-whether it's your children's education, an exciting trip or a new smartphone.

Fraudsters are real. They are out there every day looking for victims. They will target you online, over the phone, by mail or in person.

You're a target. Thousands of Canadians lose millions of dollars to fraudsters every year. The impact of fraud on families and businesses can be devastating.

Learn to fight fraud. This booklet includes 12 of the most common scams currently targeting Canadians. It is filled with tips and tricks on how to protect yourself and what to do if you get scammed.

Report it! Anyone can be targeted, from teenagers, to grandparents, to senior corporate officers. The best thing you can do is to report the fraud, whatever the amount, to the appropriate authorities. Don't be embarrassed as it will help others from falling for it.

Knowledge is your power. Protect yourself by seeking out more information. In addition to this booklet, you can also consult numerous trusted websites for more information.

The Canadian Anti-Fraud Centre, managed by the RCMP, the Competition Bureau and the Ontario Provincial Police, has plenty of information on fraud. Power up today by visiting www.antifraudcentre.ca!
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Subscription traps
Good deals can bait you into falling for expensive traps!

Subscription traps

A red-haired woman in a yellow superhero suit is pushing back against a too-good-to-be-true free subscription offer, represented by a purple book decorated with a glossy red bow that has been placed inside a bear trap.

Connected to the trap are three spiked balls and chains, representing hidden monthly charges, shipping costs and unbreakable contracts.

A subscription trap can trick you by offering "free" or "low-cost" trials of products and services. Products commonly offered are weight loss pills, health foods, pharmaceuticals and anti-ageing products.

Once you provide your credit card information to cover shipping costs, you are unknowingly locked into a monthly subscription. Delivery and billing can then be difficult, if not almost impossible, to stop.

Scammers use websites, emails, social media platforms and phones to reel people in. Remember, high-pressure sales tactics like a "limited time offer" are often used to rush you into making a decision.

Tips to protect yourself:

Trust your instincts. If it's too good to be true, don't sign up.

Before you sign up for a free trial, research the company and read reviews; especially the negative ones. The Better Business Bureau is a great source of information.

Don't sign up if you can't find or understand the terms and conditions.Pay special attention to pre-checked boxes, cancellation clauses, return policies, and any vague charges.

If you go ahead with a free trial, keep all documents, receipts, emails, and text messages.

Regularly check your credit card statements for frequent or unknown charges.

If you have trouble cancelling your subscription, contact your credit card provider, your local consumer protection organization, or law enforcement agencies.

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Identity theft
Help ensure your identity remains yours alone!
Scammers are always on the lookout to collect or reproduce your personal information to commit fraud. Thieves can make purchases using your accounts, obtain passports, receive government benefits, apply for loans, and more. This could turn your life upside down.

Fraudsters use techniques that range from unsophisticated to elaborate. Offline, they can go through trash bins or steal mail. Online, they can use spyware and viruses, as well as hacking and phishing.

They look for credit card information, bank account details, full name and signature, date of birth, social insurance number, full address, mother's maiden name, online usernames and passwords, driver's licence number, and passport number.

Identity theft is a serious crime!

Tips to protect yourself:
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CEO scams
Your CEO is asking for money urgently; make sure the email is legitimate!

CEO Scams

A red-haired woman in a yellow superhero suit is flying through the air. She has just severed the scammer's cord-like arm that was trying to break into the company vault.

The scammer is a one-eyed Scam Bot robot trying to impersonate the company CEO with a clumsily taped photo on its face. Its arm has already reached through two interconnected laptop computers, representing two levels of employees.

The first computer closest to the scammer displays the email message sent to an employee: "Hi Dave. This is your CEO. I need access to our funds."

The second computer displays the message from the employee to someone at the company with financial authority: "This is Dave. Our CEO needs access to our funds."

The superhero has stopped a scammer from accessing company funds.

Do you work in accounting or finance? Do you have the authority to move money at work? Do you report to a chief executive officer (CEO)? If yes, be on the lookout; this scam specifically targets you!

In a typical "CEO scam," fraudsters will impersonate a senior company executive, either by gaining access to their email address or by imitating one. They will send realistic-looking emails that try to trick you into wiring money to a third party.

The emails will make the request sound urgent and confidential. For example, they may say the money is needed to secure an important contract, complete a confidential transaction, or update a supplier's payment information.

Fraudsters are usually strategic about the timing of these emails. They send them when executives are away or hard to reach. This lucrative scam can cost businesses tens of thousands to millions of dollars.

CEO scams are a growing global threat that targets small local businesses and large corporations alike.
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Health and medical scams
Watch out for magical cures that offer quick and easy fixes.

Health and medical scams

An elderly man with a grey beard in a purple superhero suit is upheaving a wooden cart with one of his arms.

The cart has a sign on it that reads, "Snake Oil: a cure for all your ails."

A green snake-like monster is slithering through the cart, while opened bottles of pills are spilling out onto the ground.

The superhero is resisting the allure of the quick fixes promised by health and medical scams.

There are fraudsters out there who hope to take advantage of people's suffering. The three most common types of health scams are miracle cures, weight loss programs and fake online pharmacies. In all cases, they often appear as sponsored posts on social media or website pop-ups.

Scammers offer products and services that seem to be legitimate alternative medicines and treatments that quickly and easily treat serious conditions. Some of these may seem to be endorsed by celebrities or promoted by testimonials of people claiming to have been cured.

Weight loss scams promise dramatic results with little to no effort. The scammers might promote unusual diets; revolutionary exercises; fat-busting devices; or breakthrough products, such as pills, patches or creams.

Fake online pharmacies offer drugs and medications at very cheap prices or without a doctor's prescription. They advertise on the internet and send spam emails. If you do receive the promised products, there is no guarantee they are the real thing or safe to take.
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Romance scams
Who is really behind the keyboard?

Romance scams

A grey, blue-eyed dog wearing a purple superhero cape is confronting a scammer on a dating site. The scammer is a brown dog sitting in front of a computer and pretending to be someone they are not.

In this case, they are holding a photo of a poodle between their teeth and sending messages that say:

"I love you,"

"Send more kibble my love" and

"Help, I need your kibble."

A dish next to the scammer is overflowing with kibble, but the superhero's dish is almost empty. The superhero has had enough and has finally uncovered the scammer.

Keep your guard up and look out for potential scammers who will try to lower your defences by appealing to your romantic and compassionate side. They can prey on you on popular, legitimate dating sites as well as on fake ones.

On a real dating site, a scammer might send you a few messages and a good-looking photo of themselves, or of someone they claim to be. Once you are charmed, they will start asking you to send money. They may claim to have a very sick family member or a desperate situation with which they need your help. Once you give them money, they often disappear.

A fraudster can also create a fake dating site where you pay for each message you send and receive. To keep you writing back and paying, the scammer may hook you in with vague emails about their love and desire for you.

In many cases, the scammer may even arrange to meet up with you in person to make their fraud seem more credible.
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Business scams
Stay up to date on the schemes targeting businesses!
Organizations of any size can still be duped by clever frauds, so make sure you know about them.

A typical one is the directory scam. A fraudster sends your company a proposal for a listing or advertisement in a magazine, journal or business directory, or for an online directory. They'll call to confirm the address and other details. Then the accounting department will receive and pay the bill, unaware that your company never actually ordered or authorized the service.

Another common fraud is the health and safety products scam. You might receive a phone call from someone claiming to be from the provincial government, telling you that your first-aid kits need to be replaced or you have to update your company's health and safety training. In both cases, you may be told to act quickly.

One other possible scam is the office supply scam, which involves you receiving and being charged for items you didn't order.

In many cases, scammers will hound you to pay the amount they claim you owe. They will even trick you into believing that they will report you to a collection agency.

Tips to protect yourself:

Educate yourself, your employees and your co-workers to be cautious of unsolicited calls.

Create a list of companies that are typically used by your business.

Limit the number of staff who can approve purchases and pay bills.

Clearly define procedures for verification, payment and management of accounts and invoices.

Contact your province's regulator to know your legal obligations.

Fraudsters will use company names or logos similar to those of known businesses to make their invoices seem real. Inspect invoices carefully before making any payments.

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Phishing and smishing scams
Be on the lookout. Messages are easily fabricated!
As we spend more time online, fraudsters are getting more creative with scams in the digital space.

Phishing is when you get an unsolicited email that claims to be from a legitimate organization, such as financial institutions, businesses or government agencies. Scammers ask you to provide or verify, either via email or by clicking on a web link, personal or financial information, like your credit card number, passwords and social insurance number.

Smishing is the same thing, except it occurs via text messages.

These messages often copy the tone and logo of organizations you trust, and usually include a call to action. They take many shapes and forms but the bottom line is that they seek your personal details.

Tips to protect yourself:
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Tax scams
Got a call or email from the CRA? Make sure it's real!

Tax scams

A red-haired woman in a yellow superhero suit is holding the receiver of a red telephone at arm's length from her ear, while a muscular man in a blue superhero suit is blowing a burst of air into the mouthpiece.

On the other end of the line are two rats impersonating tax collectors, which are being blown away by the superhero's gust of wind. They are surrounded by notes that feature threats commonly heard by victims of tax scams, such as:

"We will call the police,"

"Pay us in gift cards,"

"Send us your money or else!!!" and

"We are the tax collectors. Send us money."

The superheroes are fighting back against tax scammers who claim to be from the Canada Revenue Agency and demand to be paid tax debts.

You get a text message or an email from the Canada Revenue Agency (CRA) claiming you're entitled to an extra refund and all you need to do is provide your banking details. Watch out-this wonderful-if-true situation is exactly what a tax scam looks like.

Another variation is that they call you to say that you owe the CRA money and that you need to pay right away, or else they will report you to the police.

In any case, if you do receive a call, letter, email or text saying you owe money to the CRA, you can double check online via " My Account" or call 1-800-959-8281.

Tips to protect yourself:

The CRA will never:

use aggressive or threatening language.

threaten you with arrest or send police.

ask for payments via prepaid credit cards or gift cards, such as ITunes, Home Depot, etc.

collect or distribute payments through Interac e-transfer.

use text messages to communicate under any circumstances.

Emails from the CRA:

never ask for financial information.

never provide financial information.

The CRA's accepted payment methods are:

online banking.

debit card.

pre-authorized debit.

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Door-to-door scams
Knock, knock! Who's there? A scammer!

Door-to-door scams

A grey, blue-eyed dog wearing a purple superhero cape has answered the door to a large brown bull. Behind the bull is a large white truck that reads, "Total Bull Repairs" on it.

The bull has a ring through its nose and is holding a clipboard with a contract attached that reads, "Total Bull Repairs Contract."

The superhero is examining the contract with a large red magnifying glass that reveals the fine print with the message, "This is a Scam."

The superhero is fighting back against door-to-door scams by taking the time to read the fine print and not giving in to sales pressure.

Despite living in the digital age, there are still some old fashioned scams that come right to your door, posing a threat to you and to businesses. With this trick, door-to-door salespeople use high-pressure tactics to convince you to buy a product or sign up for a service you don't want or need.

These aggressive pitches are often for charitable donations, investment opportunities or home services and maintenance of various appliances, like water heaters, furnaces and air conditioners.

In many cases, you'll never receive the product or service promised. In others, the products or services are of poor quality or not as represented.

Tips to protect yourself:
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Emergency scams
Caring grandparents, don't act too quickly!

Emergency scams

An elderly man with a grey beard in a purple superhero suit is lifting the lid off a grey metal box with one hand and holding a smartphone in the other hand.

The lid of the box reads, "Not-a-hospital," while the phone's screen displays a message that reads, "Help! Send Money!"

Inside the box is a stage filled with actors, fake props and a crew meant to simulate a hospital setting. The actors and crew look startled.

The superhero has successfully resisted the emergency scam, where someone calls pretending to be a loved one in trouble and claims they need money immediately.

Emergency frauds usually target loving grandparents, taking advantage of their emotions to rob them of their money.

The typical scam starts with a grandparent receiving a phone call from someone claiming to be their grandchild. The "grandchild" goes on to say they're in trouble-common misfortunes include having been in a car accident, getting locked up in jail, or trouble returning home from a foreign country-and they need money immediately.

The caller will ask you questions, getting you to reveal personal information. They'll also swear you to secrecy, saying they are embarrassed and don't want other family members to find out what's happened.

One variation of this ploy features two people on the phone, one pretending to be a grandchild and the other a police officer or lawyer.

In other cases, the scammer will pretend to be an old neighbour or a family friend in trouble.
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Purchase of merchandise scams
Not all online vendors are reputable!

Purchase of merchandise scams

A teenage boy in a red superhero suit is flying through the air. With his finger, he has punctured a hole in the head of a man made entirely from balloons.

The balloon man's facial features are stencilled in with pencil on a purple head. He is wearing a pink bowtie, blue jacket and orange pants, all made out of balloons.

All around, empty cardboard boxes are scattered. On their sides they read, "100% nothing but hot air!"

A laptop is perched on a cardboard box. On the screen there is a message in large bold capital letters that reads: "Buy it now! Our boxes are %100 full." Immediately underneath, "of hot air" is added in fine print.

The superhero has revealed an online shopping scam that was too good to be true.

Online shopping is a favourite pastime for many consumers. But many deals you see online-from inexpensive designer purses to significantly discounted electronic goods-are too good to be true.

Fraudsters can create accounts on legitimate auction sites, such as eBay, or on an online marketplace, like Kijiji or Craigslist. They will advertise their products at very low prices, enticing you to buy them.

At the end of the day, if you do get something, it might be of poor quality or a bad imitation of what you expected.

In other instances, fraudsters will lure you into clicking on sponsored links that will direct you to a seemingly genuine website. If you decide to buy from there, you won't benefit from any protection or services that legitimate websites offer.

If a site or offer stands out dramatically from the rest, there's likely something off.

Tips to protect yourself:
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Sale of merchandise scams
Scammers can pose as buyers.
If you sell items online, either personally or as part of a business, you need to be careful who you sell to as there is a risk of being targeted by tricksters who want to take your merchandise, money, or both.

In one version, the fraudster will agree to buy your item without seeing it. You'll get a PayPal or email money notification that claims the payment is pending.

The catch is, the notification will say the payment will only be released when you provide a tracking number for the goods. By the time you enter the tracking number, you'll have already shipped the merchandise only to learn that the payment notification was a fake.

In other cases, you might get paid with a fake money transfer, a fraudulent cheque or a stolen credit card.

In another version, the scammer may send you a message that says the payment can't be sent due to a problem with your PayPal or bank account. You'll be asked to pay a fee to obtain a business account to complete the transaction. The scammer offers to pay the fee if you reimburse them using a transfer or wire service. If you agree, the "fee" money will go to the con artist.
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Red flags: things to watch for
Learn to recognize the signs that something is amiss

Wire transfer

Many scams involve a request to wire money electronically using a money transfer service, like MoneyGram and Western Union, or using cryptocurrency, such as Bitcoin. Remember that sending a transfer through these services is like sending cash-once the amount is picked up, it's almost impossible to get your money back.

Overpayment

When you're selling something-especially online-be wary of how you get paid. A fraudster may send you a counterfeit cashier's, personal or corporate cheque in an amount in excess of what they owe. You'll be asked to deposit the cheque and wire the excess funds immediately back to them. Once your bank realizes the cheque is a fake, you'll be on the hook for the money withdrawn.

Spelling mistakes

Be skeptical of emails, messages or websites that contain misspelled common words; grammar errors that make it difficult to read or expressions that are used incorrectly. Email and web addresses should also be examined closely to see if there are subtle mistakes or differences.

Personal information request

Fraudsters may ask potential victims to provide more personal or financial information than is required for the transaction or discussion. Be suspicious if someone asks for copies of your passport, driver's licence and social insurance number, or birth date, especially if you don't know the requestor.

Unsolicited calls

You might get a call from someone claiming that you have a virus on your computer, you owe taxes or there has been fraudulent activity in your bank accounts. Know that legitimate organizations will not call you directly. Hang up and call the organization yourself using the number from a trustworthy source, such as the phone book, their website, or even invoices and account statements.

Unsolicited friend requests on social media

Don't accept friend requests from people you don't know until you review their profile or ask your real-life friends if they know them. Does their profile look fairly empty or have posts that are very generic? Do they seem to be promising more than friendship? These are some red flags that point to a scam. Delete that request and block future ones.

Astounding mail offers

You received a game card in the mail. It guarantees you will or have already won. Prizes might range from cars to trips. If you have not entered a contest, throw that card away. It's probably a scam!

It's just too good to be true

Everybody loves a great deal. But shocking offers, unbelievable discounts and unreal rates may signal that the offer isn't quite what it seems. Cheap prices usually equal cheap products, or counterfeit goods. Free offers may require providing your credit card for shipping. Small tactics like these can lead to big profits for scammers.

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Reporting a scam
Who to contact depends on where you live and what type of scam is involved.
Whether you've been scammed or targeted by a fraudster, you should always report it. Canadian authorities may not always be able to take action against scams, but there are ways you can help. By reporting the scam, authorities may be able to warn other people and alert the media to minimize the chances of the scam spreading further. You should also warn your friends and family of any scams you come across.

Here is some advice on where to report, depending on the type of scam:

Local scams

Contact your local consumer affairs office
Your local consumer affairs office is the best resource for investigating scams that appear to come from within your own province or territory. A list of provincial and territorial consumer affairs offices can be found in the Canadian Consumer Handbook.

Financial and investment scams

Contact Canadian Securities Administrators
Financial scams involve sales offers or promotions about financial products and services, such as superannuation, managed funds, financial advice, insurance, or credit or deposit accounts.

Investment scams involve share buying, foreign currency trading, offshore investments, Ponzi schemes, or prime bank investment schemes.

You can report financial and investment scams to the Canadian Securities Administrators or your local securities regulator.

Banking and credit card scams

Contact your bank or financial institution
In addition to reporting these scams to the Canadian Anti‑Fraud Centre, you should alert your bank or financial institution about any suspicious correspondence that you receive regarding your account. They can advise you on what to do next.

When contacting your bank or financial institution, make sure to use the telephone number found in the phone book, on your account statement or on the back of your card.

Spam emails and text messages

Contact the Spam Reporting Centre
Many scams arrive by email and text message. Visit Fight Spam for information on Canada's anti‑spam legislation and how to report spam.

Fraudulent, phishing or smishing messages requesting personal details can also be reported to the bank, financial institution or other concerned organization. Again, be sure to use a phone number or email address that is listed in an official reputable source, and not the one that appears in the email.

Fraud, theft and other crimes

Contact the police
Many scams that may breach consumer protection laws (those enforced by the Competition Bureau and other government and law enforcement agencies) may also breach the fraud provisions of the Criminal Code.

If you are the victim of fraud-meaning you have suffered a loss because of someone's dishonesty or deception-consider contacting your local police, especially if the amount involved is significant. You should definitely contact the police if your property has been stolen or you've been threatened or assaulted by a scammer.

Identity theft

Contact the police
Identity theft refers to the acquisition and collection of someone else's personal information for criminal purposes.

If you suspect or know that you are a victim of identity theft or fraud, or if you unwittingly provided personal or financial information, you should:

Contact your local police force and file a report.

Contact your bank or financial institution and credit card company

Contact the two national credit bureaus and place a fraud alert on your credit reports.

Always report identity theft and fraud. Contact the Canadian Anti-Fraud Centre

Additional organizations to contact depending on the situation:

Your provincial Better Business Bureau

Canada Revenue Agency-Charities Inquiries Line
1‑800‑267‑2384

Your provincial records office

Credit bureaus can put a fraud alert on your account, which will alert lenders and creditors of potential fraud:

Equifax Canada
1-800-465-7166

TransUnion Canada
1-866-525-0262

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the little black book of scams 2nd edition; fraud; fraud prevention; fpm; fpm2018

# data[].attributes.attachment_link.title
The Little Black Book of Scams 2nd edition

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Scammers are sneaky and sly. They can target anyone, from youngsters to retirees. They can also target businesses. No one is immune to fraud. Our group of superheroes has found a way to see through the scams. Their secret is simple: knowledge is power!

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This video is a clip from a CBC news interview about identity theft and synthetic ID fraud. It discusses how easy a hacker can steal your information. Some hackers just need to know your email address so when you click on it, it downloads or asks for personal information. A synthetic ID when they take at least one official detail of your identity and fill in the rest with unofficial details that are not actually "you" such as a fake address.
I chose this video because notifies individuals how easy a person can take your information and use it for identity theft. They simply just need your full name. A piece of information I found useful was they suggested using disposable emails where they can only receive a limited amount of emails before it is no longer accessible. This could be used for giving out to stores or signing up for websites.

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Claudiu Popa discusses identity theft and synthetic ID fraud on CBC News Now

# data[].attributes.attachment_link.description
Identity theft in Canada is a growing problem due to the lack of proper monitoring, failure to report identity crimes and low awareness levels among organizations and individuals. Synthetic identities are turning up at banks, hospitals and on credit cards, making it much more difficult for law enforcement to detect and stop cybercriminals - usually organized criminals - from committing cyberfraud.