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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). Verify the information listed about you is up to date and accurate and that it includes only those accounts and activities you've authorized. 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.
• Do not share your personal or financial information over the phone or in person unless the information is absolutely necessary and you can confirm that the individual and company are legitimate.
• 经常监察你的财务帐目，并立即报告任何可疑的欺诈交易.
• 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.
• 通过设置防火墙，确保你的个人电脑和家庭网络得到妥善保护，免受恶意软件的侵害. Check to see that the firewall has been properly installed - or enabled if it came bundled with your operating system.
• 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.
• 在公共场合，不要让你的电脑、手机或其他移动设备处于登录状态或无人看管.
• 当不使用时，密码保护和锁定您的电脑、手机或其他移动设备.
• 只从有信誉的来源下载应用程序. Be suspicious when installing applications that require you to provide information that has nothing to do with the application's purpose.
• 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. 这被称为恐吓软件，目的是让你不假思索地做出反应.
• 不提供个人信息. 在给他们你的电子邮件地址之top，检查一下网站的隐私政策.
• 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”.
• Account owners should also avoid using the same password for multiple sites and may want to consider using a password manager (software to securely hold multiple 密码) to securely manage 密码.
• 不要和任何人分享你的密码.
• 在电子邮件中或回复中不包含个人或敏感数据.
• 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. 据悉，窃贼会复制信用卡信息或用手机拍摄信用卡照片.

安全浏览网页

• 只允许从您授权的网站弹出.
• 只在安全的网站上购买，这些网站会对你的信息进行加密. 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.
• Access online financial sites by typing the address directly into the browser's address bar instead of clicking the link. 建议您在浏览器中输入地址后，将该站点标记为书签. By doing this you can reference the bookmark the next time you need to login to the site without retyping the address into your browser.
• 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. 养成将鼠标悬停在链接上查看潜在Web地址的习惯. 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, look for online merchants who are members of a seal-of-approval program that sets voluntary guidelines for privacy-related practices, 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, 例如你自己的个人电脑，你知道它已经安装了必要的保护和安全功能.
• 不要把私人资料储存在公用电脑上. 如果你在图书馆或其他公共场所使用私人账户, be sure to sign out completely from your accounts and don't auto save sign-in information like your username or password.
• 是wireless-wise. 不要使用公共Wi-Fi访问包含财务记录等敏感信息的网站, 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, 遵循制造商的安全建议，以确保您的无线信号被适当加密.
• 小心可点击的广告、弹出窗口或带有紧急信息的虚假对话框. 这些通常是骗子用来试图获取和窃取你的个人信息的策略.
• 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.
• Be careful about what you post personally and professionally - too much information can help scammers reach their goals.
• 一定要确保在关闭窗口之top退出网站. 如果你从一个网站转到另一个网站，而没有退出之top的网站，就可能发生在线欺诈. 当您登录到一个安全的网站时，请在一个新的浏览器窗口中这样做.

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, 他或她要做的第一件事是检查该密码是否适用于其他网站. 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

• 网络钓鱼是一种网络威胁，个人通过发送信息来引诱个人信息(信用卡号码), 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, scammers send 短信 that appear to be from well-known companies but contain links to counterfeit Web pages that have been made to look nearly identical to legitimate companies' sites. The 短信 suggest that there is an urgent need for you to take action to update personal information to avoid an unwanted service charge or another potential threat to your account. 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. 与out your consent it can download itself during a transaction via your online session and attempt to steal your sensitive data.
• 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.

Criminals are using new schemes that incorporate old techniques to try to trick people to provide personal information or account details. These social engineering attempts include use of sophisticated email and 短信 appearing to be from legitimate sources and phone calls appearing to be from authentic individuals or service providers, 等. 仔细审查任何泄露个人或账户细节的请求. 了解你周围的环境，对那些观察和倾听的人保持警惕. 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

Identity theft involves the impersonation of an individual through the fraudulent use of his or her personal and account information - e.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

避免成为社会工程师或骗子的受害者，做一个受过教育的、有意识的在线消费者. 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, 打phone给公司问问原因——这可能意味着小偷把你的邮件重定向到了另一个地址.
• 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. 使用一个上锁的邮箱，或者把它送到你当地的邮箱或邮局. 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. Thieves have been known to copy credit card information or take pictures of cards with the camera of their mobile phone.
• 定期检查你的信用报告(每年至少一次). Make sure the information about you is accurate and that it includes only those accounts and activities you've authorized.

保护您的信息和在线交易强有力的技术和技术控制

十大老品牌网赌大全使用以下方法确保您的网上交易和个人信息的安全.

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. 密码有助于防止未经授权的人访问文件、程序和其他资源. 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. 请参阅下面的提示，以创建一个难以破解的密码.

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

在您输入在线密码之top，十大老品牌网赌大全要求您验证您的个性化安全图像. 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, 一些用户可以在没有看到安全图片的情况下无缝地登录他们的金融机构的网站. This occurs because of an industry standard technology called federated authentication which exists between your financial institution 和美国. 当您安全地登录到您的金融机构的网站，并希望查看您的529十大老品牌网赌帐户, 你会被无缝安全地转移到十大老品牌网赌的网站上. Users should familiarize themselves with their financial institution's security and login process to be more able to effectively identify when the process behaves differently than expected.

安全问题

如果你忘记了密码, 回答您在创建帐户时选择的安全问题，将允许您在线重置密码. 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. We highly recommend that you do not use questions that may be answered by someone viewing your social media profiles or other information that may be publically available.

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

Transport Layer Security (TLS) technology is used to establish an encrypted connection between your browser and our Web applications. TLS网站以“http://”而不是“http://”十大老品牌网赌大全，这表明您正在与十大老品牌网赌大全进行安全的在线会话. 为你的保护, we require a modern version of TLS and industry standard encryption strength - these are supported by current versions of all modern browsers.

系统监控

十大老品牌网赌大全每天都在监视网络和基础设施中可疑的违规行为, 整天.

防火墙

防火墙 are protective barriers that defend our networks and computer systems from hackers and cyber- attackers trying to gain access into our systems. 十大老品牌网赌大全使用业界最强大的防火墙来保护十大老品牌网赌大全服务器中的信息.

日志记录

System activity is logged in order to preserve the information necessary to validate the transmission of data or the completion of a transaction.

欺诈检测

十大老品牌网赌大全监控交易中可疑和不寻常的行为，以帮助核实他们是真实和合法的.

数据访问受限

We limit access to systems containing customer data to only those employees who need it to conduct business or support key business functions. Access is continually monitored and only granted to new associates as their role may require.

员工教育

十大老品牌网赌大全确保十大老品牌网赌大全的员工了解并遵守十大老品牌网赌大全的安全政策. 十大老品牌网赌大全要求所有员工参加持续的安全培训, 包括如何处理敏感数据和注意安全风险.

定期改进和更新安全特性

We review industry security standards and perform system testing on an ongoing basis to help identify and implement the most up-to-date techniques and technologies, 并验证十大老品牌网赌大全的系统是否按预期运行.