的嗡嗡声

保护您自己的信息:帐户所有者安全清单

同时十大老品牌网赌大全努力保持您的信息和交易的安全, 您可以采取一些措施来提高自己的安全. 下面是一些需要遵循的最佳实践.

保护你的帐户

• Do not use your Social Security Number (SSN), in full or in part, for a password or PIN.
• 经常查看你的信用报告(至少一年一次). 核实列出的关于您的信息是最新和准确的，并且仅包括您授权的那些帐户和活动. Work with the credit reporting agencies to have any inaccurate information removed.
• 保存你的社会保障卡, 其他身份证, 在一个安全的地方检查和结算.
• 不带社会保险卡, 护照或出生证明，除非绝对需要.
• 不要通过phone或当面分享您的个人或财务信息，除非这些信息是绝对必要的，并且您可以确认个人和公司是合法的.
• Frequently monitor your financial accounts and report any suspected fraudulent transaction immediately.
• 及时检索和查看您的邮件.
• 不再需要撕碎的财务文件, 预先核准的信用提供, 收据, 以及其他可能包含财务和个人信息的文件.

保护你的电脑、手机和其他移动设备

• Install and set your anti-virus and anti-malware software to update automatically.
• Activate all operating system security features on your internet capable devices.
• Make sure your personal computer and home network are properly protected from malware by setting up your firewall. 检查防火墙是否已正确安装，或者是否与操作系统捆绑在一起.
• Make sure to keep your web browser software up-to-date by installing the most recent version.
• 保持电脑或移动设备的操作系统是最新的.
• Never leave your computer, cell phone, or other mobile devices logged on and/or unattended in public.
• Password protect and lock your computers, cell phone, or other mobile devices when not in use.
• 只从有信誉的来源下载应用程序. 在安装那些要求您提供与应用程序用途无关的信息的应用程序时，请保持警惕.
• If you believe your mobile device is infected with malware, contact your service provider.

确保你的信息安全

• 如果你对邮件的真实性有任何怀疑, 似乎是TIAA-CREF学费资助, 公司. 或者密歇根教育储蓄十大老品牌网赌, 或涉及您的程序帐户, 请致电1-本程序的客户服务中心. 然后，一定要删除邮箱中可疑的邮件.
• 如果邮件看起来可疑，不要点击链接或附件, 特别是当他们告诉你这个问题很紧急的时候. This is known as scareware and intended to make you react without thinking.
• 不提供个人信息. Check a website's privacy policy before you give them your email address.
• 创建强密码. Make your password hard for others to guess by using a combination of letters, 这些数字和符号只对你有意义. 避免在多个网站使用相同的密码, 特别是金融网站, 记得经常更换密码(至少每年一次). 请参见下面的“创建一个强密码”.
• 帐户所有者也应该避免在多个网站使用相同的密码，可能需要考虑使用密码管理器(软件，可以安全地持有多个密码)来安全地管理密码.
• 不要和任何人分享你的密码.
• Do not include personal or sensitive data in, or in response to, an email.
• 密切监视您的帐户活动，并注意异常活动.
• 及时审核所有交易确认, 帐户报表, 还有你十大老品牌网赌发送的任何电子邮件或书面信件.
• When you finish your online and/or mobile banking sessions, be sure to log out. 简单地关闭浏览器窗口并不等于注销. By clicking on the X to 关闭 the browser window your online session may still be open.
• 撕碎包含个人信息的文档.
• 保护你的邮件不被偷. If you are planning to be away from home, call or go online to contact the U.S. 邮政服务，申请休假.
• 购物或使用自动取款机时要注意周围的环境. Thieves have been known to copy credit card information or take pictures of cards on their cell phones.

安全浏览网页

• 只允许从您授权的网站弹出.
• Only make online purchases using secure sites that encrypt your information. 而不是点击链接, go directly to the store's Web site and navigate to find the special sale items. To help ensure that your information is protected when shopping or banking online, 找一把完好无损的钥匙, 或挂锁在网页浏览器底部或地址栏内. 当你被要求提供付款信息时, the beginning of the Web site's URL address should change from http to http, 指示购买是加密的或安全的.
• 千万不要通过可疑邮件中的链接访问网站.
• 通过直接在浏览器的地址栏中输入地址而不是点击链接来访问在线金融网站. It is recommended that once you've typed the address into your browser that you bookmark the site. 通过这样做，你可以在下次需要登录网站时引用书签，而无需在浏览器中重新输入地址.
• 三思而后行. 点击链接时要小心, 特别是在电子邮件, 确保它们链接到一个值得信赖的网站. Get in the habit of hovering over links to see the underlying Web address. 如果你不确定链接, you can go to the firm's website by typing the correct address in your Web browser.

当在线购买, 寻找在线商家，他们是认证项目的成员，该项目为隐私相关行为制定了自愿指导方针, 如TRUSTe, Verisign, 或BBBonline.

• 当使用公共电脑在网上获取金融和其他敏感的个人信息时，要格外小心. 如果可能的话, 只使用已知的设备, such as your own personal computer which you know has the necessary protections and security features installed.
• 不要把私人资料储存在公用电脑上. If you're accessing a private account at the library or another public place, 一定要从你的账户中完全退出，不要自动保存登录信息，如用户名或密码.
• 是wireless-wise. Don't use public Wi-Fi to access websites with sensitive information such as financial records, 银行交易, 业务相关的文件, 或其他个人信息. 在设置家庭网络时, follow the manufacturer's security recommendations to be sure your wireless signal is properly encrypted.
• Be cautious of clickable advertisements, pop-up windows, or fake dialogue boxes with urgent messages. These are often tactics that fraudsters use to try and access and steal 你的个人信息.
• 不提供个人信息 to blogs, forums, and other social networking sites.
• Beware phishing attempts and unsolicited requests; these don't just happen via email. 他们也可以通过社交媒体抵达. 对那些你没有注册来接收的信息或促销活动保持怀疑.
• 小心你发布的个人和专业信息——太多的信息会帮助骗子达到他们的目的.
• 一定要确保在关闭窗口之top退出网站. Online fraud can happen when you move from one website to another without logging out of the previous one. When you are logging into a secure website, do so in a new browser window.

创建一个强密码

• 最强大的密码是长密码和数字组合, 大写和小写字母, 和特殊字符. 为了增加安全性，密码通常比密码长, 包含多个单词组成一个短语.
• Your password shouldn't contain any personal or easily attainable information, 比如你的名字, 你的生日, 社会安全号码, 或结婚纪念日. 另外，不要在密码中使用用户名的组件.
• Make sure you use different and unique 密码 for all of your online accounts. 在多个网站重复使用一个密码从来都不是一个好主意. 如果黑客获得了你的密码, the first thing he or she is going to do is check whether or not that password works for other websites. 定期修改密码也是个好主意.
• 不要把你的密码泄露给任何人，包括你的家人.
• 记住大量的唯一密码是很困难的, 把它们写在纸上并不安全. 考虑安装一个密码管理器. A password manager is a software application that helps a user store and organize 密码. 密码管理器存储加密的密码, 要求用户创建主密码, 一个单一的, ideally very strong password which grants the user access to their entire password database.

随时了解最新的欺诈威胁

• Phishing is a cyber-threat by which individuals send messages to lure personal information (credit card numbers, 银行帐户信息, 社会安全号码, 密码, 或其他敏感信息)来自毫无戒心的受害者. 网络钓鱼可能通过欺诈性电子邮件发生, 假的网站, 短信, 或者自称是金融机构的直接phone, 或者另一家与你有客户关系的公司, 询问你的个人信息.
• SMiShing是手机版的“网络钓鱼”. 使用虚假的公司电子邮件, 骗子发送看似来自知名公司的短信，但却含有假冒网页的链接，这些链接被做成与合法公司的网站几乎一模一样的样子. 这些短信表明，你迫切需要采取行动更新个人信息，以避免不必要的服务费用或其他对你的账户的潜在威胁. The Web sites then ask you to enter financial and personal information - like user IDs, 社会安全号码, 银行或信用卡账号.
• 恶意软件，简称“恶意软件”，包括病毒和间谍软件. These are small software applications which can be installed on your computer, phone, 或者未经您同意使用移动设备. Malware is used to steal 你的个人信息, send spam, and commit fraud. 在未经您同意的情况下，它可以在通过您的在线会话进行交易时自行下载，并试图窃取您的敏感数据.
• 许多合法的慈善机构使用phone营销, 直接邮件, 电子邮件, 以及在线广告征集捐款. 然而, 重大灾害后, 骗子以慈善组织的名义发送电子邮件, 鼓励消费者点击链接，捐款，甚至捐钱. E-mail may also come from individuals claiming to be a victim asking for a donation.

犯罪分子正在使用结合旧技术的新方案，试图欺骗人们提供个人信息或账户细节. 这些社会工程的尝试包括使用复杂的电子邮件和文本信息，看起来像是来自合法的来源，phone看起来像是来自真实的个人或服务提供商, 等. Carefully scrutinize any requests to divulge personal or account details. Understand your surroundings and be wary of those watching and listening. 如果您无法验证请求或确认其真实性, 发布任何消息都要极其谨慎.

对身份盗窃

身份盗窃是指通过欺诈性使用某人的个人和帐户信息来冒充某人.g., 驾照, 社会安全号码, 银行账户和其他号码, 还有用户名和密码.

身份窃贼通过以下几种方式获取信息:

• 从垃圾
• 通过偷邮件、钱包和其他私人物品
• 通过在交易过程中复制信用卡或其他信息
• 通过钓鱼攻击
• 通过提交虚假的地址变更

Avoid being a victim of a social engineer or scam artist by being an educated and aware online consumer. 欲知更多详情，请浏览 在线预处理，一个服务的 U.S. 联邦贸易委员会 以及其他联邦机构. OnGuard在线提供关于避免诈骗的信息, 理解移动应用和Wi-Fi网络, 保护你的家庭电脑, 保护家庭成员.

如果你是网络犯罪的受害者，向上级报告 IC3，一个服务的 U.S. 联邦调查局 和 国家白领犯罪中心. You should also report attempted identity theft to the local authorities as well as to the 联邦贸易委员会的投诉助理申请.

防止身份盗窃 & 保护您的个人信息

While there is no way to completely eliminate the risks of fraud or identity theft, there are things that you can do to help protect yourself and minimize the risk.

• 保护好你的社会安全号码. 删除打印在任何东西上的社会安全号码——比如支票. Keep your Social Security card not in your wallet, but in a secure place within your home.
• 不要向不认识的来电者透露个人信息. 如果一个未知来电者询问你的个人或财务信息, 告诉他们你会再打phone给他们确认一下, 然后验证公司是否合法, 或者是银行或信用卡公司, 用你的账单或信用卡上的号码给他们回phone.
• 定期审核账单和对账单. Make sure you recognize and authorized all charges, checks, and/or withdrawals. 如果普通的账单没有送到, call the company to find out why - it could mean that a thief has redirected your mail to another address.
• 保护家里的重要文件. Keep 你的个人信息 and important documents in a secure place in your home, 比如上锁的文件柜或者保险箱.
• 撕碎包含个人信息的文档. 一旦你付了账单，核对了账目, 撕碎旧的帐户报表, 账单, 收据, 预先核准的信用提供, and other documents that contain personal information before you throw them away.
• 保护你的邮件不被偷. 不要把外发邮件(比如账单支付)放在不安全的邮箱里. Use a locking mailbox or take it to a post box or your local post office. If you are planning to be away from home, call or go online to contact the U.S. 邮政服务，申请休假.
• 简化你的钱包. Carry only the credit and/or debit cards, checks and/or cash that you need for the day.
• 注意你周围的环境. Be conscious of people standing nearby when you are making purchases or using an ATM. 据悉，窃贼会复制信用卡信息或用手机的摄像头拍摄信用卡照片.
• 定期检查你的信用报告(每年至少一次). 确保你的信息是准确的，并且只包括那些你授权的账户和活动.

Safeguarding your information and online transactions strong technologies and technical controls

We use the following methods to help keep your online transactions and personal information safe and secure.

用户名和密码要求

帮助防止未经授权的访问, we prompt you to create a unique username and password when you first access your account. A password is a string of characters used to access information or a computer. Passwords help prevent unauthorized people from accessing files, programs, and other resources. 当你创建一个密码时，你应该让它强大, 这意味着它应该很难猜测或破解. See below for hints in creating a password that would be difficult to crack.

强密码

• 至少8个字符长
• 包括数字、符号、大写和小写字母
• 不包含您的用户名，真实姓名或公司名称
• 不包含字典中的单词
• 与之top的密码有很大不同吗

登录时的图像验证

Before you enter your online password, we ask that you verify your personalized security image. This image would be one that you selected during the creation of your web account. 一旦您选择的图像显示出来, 您可以放心，您正在访问十大老品牌网赌大全的网站, as opposed to a fake site that may be attempting to "phish" for 你的个人信息. If you ever log in and do not see the image you've selected or the image is incorrect, 停止, 不输入密码. 请立即向您的十大老品牌网赌的客户服务团队报告.

请注意 对于一些存在合作关系的网站来说, some users may seamlessly sign into their financial institution's website without seeing a security image. 这是因为在您的金融机构和十大老品牌网赌大全之间存在一种称为联邦身份验证的行业标准技术. When you securely log into your financial institution's site and wish to then view your 529 plan account, 你会被无缝安全地转移到十大老品牌网赌的网站上. 用户应该熟悉其金融机构的安全性和登录流程，以便能够更有效地识别流程的行为何时与预期不同.

安全问题

如果你忘记了密码, answering the security questions you selected when creating your account will allow you to reset your password online. 这些安全问题是针对你的隐私而设计的. The answers should also be easy for you to remember but hard for others to guess. 十大老品牌网赌大全强烈建议您不要使用可能由查看您的社交媒体简介或其他可能公开的信息的人回答的问题.

客户验证

无论你是否在线访问十大老品牌网赌大全, 或通过phone, 十大老品牌网赌大全总是在授权访问您的帐户之top验证您的身份.

强大的加密

传输层安全(Transport Layer Security, TLS)技术用于在您的浏览器和十大老品牌网赌大全的Web应用程序之间建立加密连接. TLS websites start with "http://" instead of "http://" and signify that you are in a secure online session with us. 为你的保护, 十大老品牌网赌大全需要一个现代版本的TLS和行业标准的加密强度-这些都被所有现代浏览器的当top版本所支持.

系统监控

We're on the lookout for suspicious irregularities across our network and infrastructure every day, 整天.

防火墙

防火墙是保护十大老品牌网赌大全的网络和计算机系统免受黑客和网络攻击者试图进入十大老品牌网赌大全系统的保护屏障. We use some of the strongest firewalls available in the industry to guard the information housed in our servers.

日志记录

记录系统活动是为了保存验证数据传输或事务完成所必需的信息.

欺诈检测

We monitor transactions for suspicious and unusual behavior to help verify that they are authentic and legitimate.

数据访问受限

十大老品牌网赌大全限制对包含客户数据的系统的访问，只允许那些需要它来进行业务或支持关键业务功能的员工访问. Access is continually monitored and only granted to new associates as their role may require.

员工教育

We make sure that our employees know and adhere to our security policies. 十大老品牌网赌大全要求所有员工参加持续的安全培训, including how to handle sensitive data and to be aware of security risks.

定期改进和更新安全特性

十大老品牌网赌大全审查行业安全标准，并进行系统测试，以帮助识别和实施最新的技术和技术, 并验证十大老品牌网赌大全的系统是否按预期运行.