Just a few years in the past, I used to be in sitting busy airport terminal, ready to board my subsequent flight. Benefiting from the free public wifi, I had my laptop computer perched on my knees, and was making an attempt to squeeze in some work between layovers. I took a break to do a spherical of residence looking on-line, and located a list on Craigslist for a cute place in Los Angeles. The deal appeared too good to be true.
The itemizing led me to an internet software that requested for normal data, together with my Social Safety quantity. It was solely after I stuffed it out and was about to enter my bank card info for the applying price that realized I’d’ve been a sufferer of a phishing rip-off. Upon nearer inspection, the web site appeared bogus. What’s extra, I by no means obtained a follow-up e mail or telephone name.
Sadly, such id theft makes an attempt are fairly widespread. In keeping with the 2019 Identification Fraud Examine, in 2018 14.four million individuals within the U.S. had been victims of id theft. And freelancers reminiscent of myself, who work remotely and whose livelihoods relies upon largely on having an internet presence, may be extra weak to sure sorts of scams.
Listed here are a handful of id safety points freelancers face specifically, and what measures we are able to take to safeguard extremely delicate info:
Be Cautious of Public Wi-fi Hotspots
In the event you’re understanding of a espresso store, airport terminal or library and are tapping into the free public wi-fi, know that you simply’re at the next danger to malware and snooping. What’s extra, your passwords are extra weak to being intercepted by hackers.
Attempt to keep away from public wi-fi usually, says Kelvin Coleman, government director of the Nationwide Cyber Safety Alliance (NCSA). If you’re utilizing a wifi hotspot, don’t transmit private info or go surfing to monetary accounts. If doable, use a personal community, or to a private hotspot that’s tethered to your telephone.
In the event you’re into saving cash like me, you get excited when you possibly can entry free hotspots. Nevertheless it may be worthwhile to pay for a private hotspot from your private home web supplier or cable firm.
Don’t Transmit Sensitive Data Over E mail
When onboarding with a brand new consumer, you may be requested to supply varieties that embody worthwhile private or monetary data — assume W-9 varieties together with your Social Safety Quantity, voided verify stubs, and banking data.
Ideally, you shouldn’t be emailing delicate data like that, however it may be robust to get round it. In the event you’re relaying such data, you should definitely password-protect your information. Certain, it’s one other step, however it may decrease your odds of being a sufferer of id theft.
Get an EIN
Once I was working at an leisure labor union and employed freelance photographers to cowl our occasions, one freelancer refused to e mail over her W-9. She was involved with having a doc together with her Social Safety quantity floating round within the digisphere. To be sincere, the time, I didn’t totally perceive her concern. I now see that she had some extent.
In relation to W-9 varieties specifically, you possibly can apply for what’s referred to as an Employer Identification Quantity, or EIN. Whereas sole proprietors aren’t required to get an EIN, getting an EIN means you don’t have to make use of your Social Security quantity on these W-9 varieties.
Go for Two-Step Verification
Go for two-step verification together with your e mail and financial institution accounts. What this implies is that for a person to entry an e mail account, you’ll want to supply two items of knowledge so that you can log in to an account. This provides an additional layer of safety. And in the event you may toggle between accounts or verify e mail from completely different computer systems, it definitely may help defend your accounts from getting hacked.
Shield your Identification on Freelancer Platforms
As a freelancer, it’s important that you’ve got an internet presence. Whether or not it’s knowledgeable web site, sustaining a LinkedIn or social media accounts, or establishing profiles on freelance marketplaces, you’ll need to watch out about what data you’re placing out there.
Whereas emails and telephone numbers won’t be sufficient for a scammer to steal your id, it may doubtlessly clue thieves into discovering worthwhile private data. You can schedule appointments utilizing a scheduler. And you understand how it is advisable to insert a bodily handle on the footer of emails and newsletters you ship out? In lieu of utilizing your private home handle, think about paying for a P.O. field and utilizing that as a substitute.
Moreover not together with private info on-line — this consists of your telephone quantity and home handle, you’ll need to even be looking out for faux profiles. We’re speaking about con artists utilizing your telephone and private particulars, and pretending to be you. To keep away from create accounts on platforms even in the event you don’t plan on utilizing them, recommends Chris Parker, founding father of What Is My IP Handle.
“Having a presence can forestall another person from utilizing your deal with and likeliness to create a faux profile.” What’s extra, be certain that your profiles are linked to your web site, and the opposite manner round says Parker. “This fashion people who find themselves your profiles can see that it’s actually you.”
In the event you spot a faux profile of somebody pretending to be you, you’ll need to report it. You may file a criticism with the Federal Commerce Fee (FTC).
Contemplate Cyber Insurance coverage
In the event you’re a solopreneur who maintains e mail lists for advertising and marketing functions — assume e mail blasts, newsletters, and on-line campaigns — you’ll need to encrypt these information. If sustaining and rising these lists are an integral a part of your online business, you may want to think about cyber insurance coverage. In case there’s an information breach, cyber insurance coverage may assist cowl losses and recoup damages.
I do know — you’re already in all probability paying for a slew of insurance coverage: well being, enterprise legal responsibility, and incapacity. But when buying and sustaining different individuals’s private data is an integral a part of your online business, you possibly can undergo some critical losses within the case of an information breach.
Different the explanation why you may need to think about getting cyber insurance coverage? You may need to think about cyber insurance coverage in the event you course of on-line funds, and retailer info, information, and knowledge on the cloud.
A common rule of thumb with insurance coverage: be certain that it covers what you want it to and that you simply buy ample protection. Not being sincere together with your state of affairs or what you want may put in danger for being denied protection while you want it.
Identification theft can have an effect on just about anybody who makes use of a pc, ship an e mail, or has a smartphone. And as solopreneurs, freelancers may be significantly weak to sure varieties.
Backside line: The less the private particulars you place on the market, the safer you’ll be. “Your info is efficacious knowledge, and is forex on the darkish internet,” points out Coleman. “You’ll need to be a minimalist, and share as little as doable.”