Staying safe online requires a combination of awareness, good habits, and the right tools.

Never disclose sensitive data—such as your SSN, account numbers, or login credentials—to anyone unless you have verified their legitimacy and confirmed the site’s encryption.

Cybercriminals commonly disguise themselves as trusted organizations—including the IRS, PayPal, or your bank—to manipulate you into surrendering personal data.

Confirm the site’s legitimacy by checking for SSL encryption, correct spelling in the URL, and official branding that matches the real organization.

Avoid opening links or files in unsolicited messages—particularly those that pressure you with threats or time-sensitive demands.

Phishing scams often use threatening language like "your account will be closed" or "immediate action required" to pressure you into acting without thinking.

Before clicking any link, pause and hover your mouse to reveal the true destination URL.

If something looks suspicious, go directly to the official website by typing the address yourself instead of using the link provided.

Create complex, one-of-a-kind passwords for every service and rely on a reputable password manager to store them securely.

Always activate an additional verification layer—like SMS codes, authenticator apps, or biometrics—when offered by your accounts.

It bolsters protection by demanding a second credential—whether a text message, push notification, or hardware token—beyond just your login password.

Regularly update your devices and apps to protect against known security vulnerabilities that hackers may exploit.

Avoid using public Wi Fi for sensitive transactions like online banking or shopping.

When forced to connect to public hotspots, always employ a reputable VPN to secure your data traffic.

Also, be careful what you post on social media.

Posting your vacation schedule, home address, or anniversary date gives criminals the info they need to impersonate you.

If something feels wrong, don’t ignore it.

Suspicion is a valid signal—don’t override it in the name of convenience.

Always cross-reference claims with official websites, call customer service directly, or consult a reliable friend before acting.

Continual learning and mindful behavior form the strongest shield against digital fraud