How to Stop Getting Scammed Online: Simple Steps to Stay Safe

 Because, Cybersecurity Awareness Month is EVERY MONTH!

How to Stop Getting Scammed Online: Simple Steps to Stay Safe

The internet has become part of almost everything we do—whether it’s shopping, banking, or chatting with friends. But with every convenience comes risk. Scammers are everywhere, looking for ways to trick you into handing over money or personal information. The good news? You don’t need to be a tech expert to stay safe. Let’s break this down into simple, practical steps you can use today to outsmart online scams and protect yourself.

What Does "Digital Risk" Mean for You?

Digital risk isn’t about complicated hacking stories or technical jargon—it’s about the everyday traps scammers set for people like you. Here’s what it looks like in real life:

  • Someone sends you a fake message pretending to be your bank, saying your account has been locked.
  • A “too-good-to-be-true” offer shows up in your email.
  • You’re asked to "confirm your details" on a website that looks legit but isn’t.
  • You click on an ad for a free product, only to end up subscribing to something you didn’t want.

These are scams, plain and simple. And anyone can fall for them. But you can stop them by adopting a mindset we’ll call the "Anti-Scam Mentality."

Step 1: Learn to Spot a Scam

Most scams follow a predictable formula:

  • They make you feel rushed. Example: “Your account will be closed in 24 hours unless you act now!”
  • They want personal info. Example: “Please confirm your Social Security number or bank details.”
  • They dangle bait. Example: “You’ve won a prize! Click here to claim it.”


What to Do:

  • Pause. Scammers want you to act quickly because they don’t want you to think.
  • Verify. Contact the company directly—don’t use the links or phone numbers in the message.

Step 2: Protect Your Passwords

Think of your passwords as the keys to your digital life. Would you leave your house key under the doormat? No! The same should go for your passwords.

Example:
Let’s say you use the same password for Facebook and your bank account. If a scammer gets into one, they’ll try it on the other. Now they’re in your bank account, too.


What to Do:

  • Use passwords that are hard to guess (e.g., a mix of letters, numbers, and symbols).
  • Use a password manager to keep things simple.

Step 3: Be Cautious with Emails and Texts

Scammers often send fake emails or texts that look real. They might pretend to be your bank, Amazon, or even a family member in trouble.

Example:
Imagine getting a message saying, “Your Amazon package couldn’t be delivered. Click here to reschedule.” The link takes you to a page that looks like Amazon, but it’s a fake site designed to steal your login details.


What to Do:

  • Never click links in messages you weren’t expecting.
  • If in doubt, go directly to the company’s website or app.

Step 4: Think Twice Before You Share Information

Scammers don’t just hack computers—they hack people. They’ll try to trick you into giving them the information they need to steal your money or identity.

Example:
You post on social media that your dog, Max, just turned 5. Later, you’re asked for the name of your first pet to reset a password. Without realizing it, you’ve already shared the answer.


What to Do:

  • Keep personal information private, even on social media.
  • Be careful about answering “security questions” that might seem harmless.

Step 5: Watch Out for “Too Good to Be True” Offers

Scammers love to promise big rewards for little effort—whether it’s free gift cards, cheap loans, or guaranteed returns on investments.

Example:
You see an ad for a $500 gift card giveaway. All you have to do is pay a $5 “processing fee.” You pay the fee, but the gift card never arrives.


What to Do:

  • If it sounds too good to be true, it probably is.
  • Stick to trusted brands and verified sources.

Step 6: Stay Safe on Public Wi-Fi

Public Wi-Fi (like at a coffee shop or airport) can be convenient but risky. Scammers can intercept your data if you’re not careful.

Example:
You log into your bank account while using public Wi-Fi. A scammer intercepts your login details, and now they have access to your money.


What to Do:

  • Avoid accessing sensitive accounts on public Wi-Fi.
  • Use a VPN (Virtual Private Network) if you must connect.

Adopting the Anti-Scam Mentality

Scammers succeed because they prey on emotions—fear, greed, or even kindness. To stay safe, remember this mindset:

  • Slow Down. If something feels urgent, take a step back and think before acting.
  • Trust Your Instincts. If something feels off, it probably is.
  • Ask for Help. If you’re unsure, talk to someone you trust before responding to an offer or request.

Why This Matters

Every scam you avoid saves you time, money, and peace of mind. It’s about protecting yourself and your loved ones from unnecessary harm. Remember, you have the tools to outsmart scammers—it’s just a matter of staying alert and making smart choices.

Let’s keep things simple: stay skeptical, stay smart, and stay safe. You've got this.

STAY VIGILANT!

BSQS GLOSSARY


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