How To Protect Yourself From Fraud, Phishing and Spam

To help ensure that users are who they claim to be and make the Cohelping app a safe place, each user is required to sign in via their Mobile BankID (Sweden) or via scanning their photo ID (Applies for countries outside Sweden).  


However, we recommend each user to read the below advised security information to further protect your safety and when interacting with other users on Cohelping. 


According to Internetstiftelsen.se the fraud in the coronavirus traces is increasing especially internationally, but also in Sweden. People in one way or another try to exploit the situation, which often happens during major social crises. It may be fake emails about Corona, fraudsters who call or show up at the door for corona testing. Common is that they are often looking for passwords, BankID and money. So never give out card numbers, codes or or similar like!


The fraudsters are constantly finding new ways to be deceived, so pay attention. There will be new types of fraud attempts. But by raising your own level of knowledge, you reduce the risk of being cheated today and tomorrow. 



Here are ways to protect themselves.


  1. What does Phishing, Vishing and Smishing mean?
  2. How do I protect myself from fraud and scams?
  3. How do I protect myself from Phishing, Vishing and Smishing?
  4. How do I protect myself from spam?
  5. What do I do when I encounter malicious activity?
  6. How do I protect myself from online fraud associated with the coronavirus?



1. What does Phishing, Vishing and Smishing mean? 

Social Engineering is a low-tech form of “hacking” which exploits human psychology.

This means that you are tricked into doing something or revealing personal information, because you think you are communicating with someone you know or trust. It can be done in three number of ways:


Phishing

Phishing is a fraud that involves "fishing" for bank-related information that is then used for criminal purposes. 


Vishing 

Vishing is when a fraudster contacts you on the phone from a spoofed number and pretends to be someone important, e.g. an official from your bank, technical support or the police. Their purpose is to get your personal information such as account details, passwords, and more.


Smishing

Smishing works the same way as phishing and vishing but SMS text messages. It is when you receive fake sms with links to pages where you are asked to enter personal codes, with the purpose of getting access to your personal data and your money.



2. How do I protect myself from fraud and scams?

  • Never give out your bank card or security token
  • Never give out codes for login/signing in to the Internet bank or the app ( BankID etc.).
  • Never disclose card numbers, financial information or other personal information (bank account numbers, your SSN, PayPal account). 
  • Never give out personal details over the phone to unverified contacts.
  • Do not allow people into your home who claim to come from the Public Health Authority and want to offer infection tracking.
  • Do not fall for advertising scams offering protection equipment and cures for Covid-19.
  • Do not receive help from strangers who offer to shop for you or similar without checking their identity first. If you need help, never pay an advance.
  • Be cautious if anyone contacts you and wants to change bank details for suppliers due to the corona crisis. 
  • Listen to your instincts.
  • Don’t accept or make payments with gift cards or through a third-party. 
  • Directly report and review negative experiences and any suspicious messages. 



3. How do I protect myself from Phishing, Vishing and Smishing?


  • Pay attention to shortened links and mismatched HTML links.
    Before clicking on any links always make sure to hover over the web link to see if you’re actually being sent to the right website. That the title and message is matching with the html link. Do not click on links you do not recognize. 


  • Pay attention to messages with typos, words in capitals and exclamation marks, impersonal greeting, or feature implausible and generally surprising content. 


  • Pay attention to messages asking for your personal information. Cohelping will never ask you to provide us with:
  • Codes for login/signing in to the Internet bank or the app
  • Disclose card numbers, financial information or other personal information 
  • Password to any account 


  • Do not enter your personal information or passwords on an untrusted web site or form sent to you via chat. 



  • Do not reply messages claiming to have your password attached

The process of resetting your password consists of the following steps in brief: You supply your username. An email message with a “reset code” is sent to the email address on the account. You enter the reset code and a new password. Your password will immediately be set to the new one you provided. Cohelping will never send a password to you via email.


4. How do I protect myself from spam?


Spam is  unsolicited and unwanted junk email sent via bulk messages, excessively posting links or via images to the newsfeed an indiscriminate recipient list. Spam emails can be a malicious attempt to gain access to your computer.


When you are chatting with a user and receive suspicious links, it’s likely that the comment is spam. 


If you’re reading a discussion and someone posts an out-of-context reply with suspicious links, it’s likely that the comment is spam. In this case, don’t attempt to click on any of the linked websites, as it may prompt the installation of malicious software



5. What do I do when I encounter malicious activity?


For spam and suspicious posts from members report it to Cohelpings customer service team contact@cohelping.com


For compromised financial information contact your bank or credit card company immediately.


For fraud by somebody you met in person contact your local police department. Cohelpings is not responsible for the actions and we are not able to investigate interactions that have occurred outside of our platform. 


6. How do I protect myself from online fraud associated with the coronavirus?


• Do not accept emails, web pages or telephone calls that claim to be from the Public Health Authority offering you to help you with shopping for groceries and sell alleged self-tests for the coronavirus. The fraudsters are only after your credit card details.


• Do not accept any invitation to download an app or software via the platform. The fraudsters are only after infecting your mobile phone with malware that steals valuable information from you. There is also ransomware, which will lock your computer or mobile and require you to pay the scammer to get it unlocked.


• Do not click on false web pages, such as copies of the World Health Organization, WHO, with similar URLs. Visitors are encouraged to log in with their email details, which then fall into the hands of the fraudsters.


• Do not click and accept emails with information about the coronavirus, where the sender claims to be WHO, authorities or well-known organizations. For example, the recipient is asked to read an attachment that contains malicious code.


• Do not click and accept emails with offers of cheap protective equipment. When you order these, you leave your card details or other sensitive information.


• Do not click and accept false collections that are said to go to vaccine or medical care where you are asked to donate money in bitcoin.



Cohelping recommends to keep in mind below advised security information to further protect your safety and when interacting with other users on Cohelping. 



  1. Do not disclose passwords or payment information.


  1. Do not click on links, download software or open files from unknown senders. Remember that it's easy to fake sender names in emails and sms.


  1. Ignore calls, emails, and web pages that ask for your personal information, such as card, bank or password information. 


  1. Never log in with a BankID or a security token at the request of someone else.


  1. Be extra suspicious of alarmist emails and great offers. 


If you need to contact us in relation to this Privacy Policy, please email us at markus@unltd.co