Online Security Information
At Intelligent Finance we are committed to looking after your online security as much as possible.
We may email you from time to time. Please note however, that we will never send emails containing, or requesting that you reply with, confidential information or security details. If you are concerned that you may have divulged any details in response to a fraudulent e-mail, please call us on 0345 609 4343.
If you have received such an email, please forward this to firstname.lastname@example.org and then delete it immediately without responding or visiting any site it describes.
Phishing & Fraud
Phishing happens when fraudsters impersonate a well established financial organisation by usually sending out emails or instant messages which often direct the users to enter details such as usernames, passwords and debit/credit card details at a fake websites, which looks identical to the real one.
Intelligent Finance will never ask you to send your personal details by email. And we'll never send an email that asks you to login to update your personal information. If you receive a phishing email, don't click on any links it contains - even if it says you need to take immediate action. Forward this onto email@example.com and then delete it immediately.
Examples of phishing emails can be found at the Bank Safe Online website.
Fraudsters not only use emails, they can also call and pretend to be the bank and will ask for your account details, card details, three-digit security numbers, PINs and any online/telephone banking codes.– never give out any banking codes/PINs or card details to anyone who phones you - if we phone you, we will never ask for this information.
If you receive a call and the caller identifies as a member of bank staff, always ask for this person's full name and department and, if you have any doubts about this person's true identity, just terminate the call and contact us immediately.
Trojans and spyware
Trojans and spyware are malicious software programmes that can be downloaded without you knowing. They record information about your computer activity, and can be used by fraudsters to capture your login information to carry out fraud.
You can minimise the risk of this happening to you by ensuring your anti-virus and anti-malware software is up to date and you carry out regular scans of your computer. We would recommend that you carry out a full system scan at least once a week.
There are a number of free and commercial software programmes that are able to remove these threats from your computer. However, if you are unsure about what type of software is appropriate or how to install it, we would recommend seeking assistance from a computer specialist.
If you are concerned that your log in information may have been stolen via a fraudulent web page, don't hesitate to contact us or email us at firstname.lastname@example.org.
If you use your mobile phone to access your plan online, it's worth checking out what software your mobile phone provider offers to protect against viruses and online hazards. Make sure you make use of your phone's security features such as setting a personal identification number, and treat you mobile phone's security as you would with your home computer.
You should also aim to keep your mobile phone and number safe. If your mobile phone is ever lost or stolen, you should let us know as soon as possible. Likewise, you should be responsible about who you make your mobile phone number available to. It is common for fraudsters to obtain mobile numbers from social networking sites for example.
If you're suspicious
If you're ever concerned about any suspicious activity on your account, call us as soon as possible on 0345 609 4343. Lines are open 8am - 8pm Monday-Friday, 8am to 6pm on Saturday and 9am to 6pm on Sunday. Alternatively, email us at email@example.com
Bank safe online
Bank Safe Online is a one-stop advice website which has been set up by UK Cards Association, the UK payments association. To keep up to date on online security issues, please visit Bank Safe. We recommend that you visit Bank Safe from time to time to keep up to date with the latest scams and fraudulent techniques.
Keeping your records safe
Keep your software up to date
Make sure your antivirus/anti malware software is updated regularly - that way you'll be better prepared to combat new threats. Keep your web browser up to date as well, and set your computer to automatically download and install new security updates.
Always log out when you've finished
Don't just close the browser window. By logging out fully you can make sure your computer is no longer connected to an online banking server.
Don't leave your computer unattended when you're logged in, especially at your workplace or in a public place where others may be watching you.
Be careful when using a public computer
If you're using someone else's PC or a computer in a cafe or library, don't use it for changing your security details. You should only ever do this on your home computer, where you know that no-one else has access.
Be careful with your mobile phone and number
If your mobile phone is ever lost or stolen it makes sense to let us know. You should also ensure you don't publicise your mobile phone provider or number on social networking sites or places where fraudsters can obtain the details.
What happens if someone steals your details?
Once you've told us that someone knows your security details, you'll not be held responsible for any future activity on your account, so long as you've not acted fraudulently or with gross negligence. If you don't keep your security information confidential, this may be considered grossly negligent.
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