Online Security Guide
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Online Security
At Crédit Agricole Egypt customer security is our first priority
regarding online banking. Crédit Agricole Egypt provides the following advice and guidance to help
protect against fraud perpetrated by criminals over the Internet.
When you access the Internet it's important
that you safeguard your personal information. All users of Crédit Agricole Egypt Online banking
have a responsibility to protect themselves against Internet crime.
Online Banking
Security - Top Rules:
Ensure that you maintain the following:
-
Operating System Updates & Patches
-
Antivirus Software
-
Personal Firewalls
-
Password Advice
Updates & Patches
Periodically, vulnerabilities are discovered in programs running on your PC. The
publisher will then release a fix, often referred to as a patch to correct
this weakness. These weaknesses are regularly exploited by virus writers and
hackers to gain unauthorised access to those PC' s that have not been patched.
Password Advice
Microsoft users can visit: http://windowsupdate.microsoft.com which can automatically check what is required for both operating system and
browser and then download it at your request.
Antivirus
Software
You
may already be using anti-virus software but to be effective, the software
should be updated on a regular basis with the latest virus definition files. If
you are unsure how to do this, you should refer to the program's Help function.
Personal Firewalls
A personal firewall is another small program that helps
protect your computer and its contents from outsiders on the Internet. When
installed, it stops unauthorised traffic to and from your PC.
Passwords are the key to your online account information. Avoid using the same
password for different systems that are important to you. Doing so puts your
money at risk should anyone discover this single Password and for this reason,
you are strongly advised to have a strong password.
When
choosing a strong password, you might consider the following:
-
Be
different : Avoid using the same password for different services.
-
Don't be personal : Do not be tempted to use passwords that can be easily guessed, e.g.
children s names, pets' names, birth dates, telephone numbers.
-
Never write them
down : We strongly recommend that you never write down or otherwise record your passwords. If, however, you feel that
you have no alternative but to do so, you should ensure that you never write
down or otherwise record your passwords in a way that can be understood by somebody
else.
In any event, never disclose your Internet login details anywhere online
except at your usual online banking website which should be accessed in the
normal way and NEVER via a link in an email.
Online Banking
Security
Online security - Steps we have taken to safeguard your account
As a bank we are used to thinking about
security. At Crédit Agricole Egypt, we use industry standard security technology and practices,
focusing on three key areas privacy, technology and identification to
safeguard your account from any unauthorised access.
Privacy
We
use industry standard encryption within our Online Banking services
 Secure
Sessions
When
you log in to Online Banking you are said to be in a secure session. You know
you are in a secure session if the URL address begins with https:// or a padlock symbol appears in the lower right hand corner of your browser.
Encryption
Secure Sockets Layer (SSL) Encryption technology is
used within your Online Banking session to encrypt your persona
l information before it leaves
your computer to ensure no one else can read it. Depending on your browser
setting, a pop-up window will appear to notify you that you will be entering a
secured page.
Encryption converts your data into an encoded form before it's sent over the
Internet, thereby stopping unauthorised users from reading the information. At
Crédit Agricole Egypt, we use 128-bit SSL encryption, which is accepted as the industry standard.
Session Time-out
If
you forget to log-off after banking online, or your computer remains inactive
for a period of time during a session, then our systems automatically log you
off. But it is recommended to log out after browsing your account.
Technology
We
use many layers of security' obviously we cannot disclose all of them, but the
following are typically used:
-
All our operating systems are regularly updated with the latest security
patches
-
Our anti-virus software is kept regularly updated
-
We use Multiple firewalls to prevent unauthorised intrusion
-
Secure data centers
Identity Privacy
We
use log-ins and passwords to make sure we're dealing with you.
Online access to your account is only possible once you have authenticated
yourself using the correct Online Banking ID and password. For this reason, it
is vital that you do not share your password.
Automatic Lock-out
After a number of incorrect attempts to log in, we disable online access to your
account. To re-activate your account, you should contact your usual helpdesk
number.
Online Security - Your Role
In
addition to our security measures, you also play an important part in
safeguarding your online information. There is much that you can do to protect
yourself online. For a start please follow the Top Rules stated above and -
Please also take in consideration the detailed
information below:
-
Keep you details and
identity secure
-
Keep your password secure
-
Keep your computer secure
-
Keep your Online Banking
session secure
-
Keep your email secure
-
Protect yourself even
when you're offline
Keeping your details and identity secure
Identity theft is the act of stealing or using an individual's personal
information without their knowledge or consent, for example, to illegally make
purchases, or gain access to funds. Victims may not become instantly aware of
the increased debt until,
-
They receive statements
-
They receive an unexpected
notice
-
They are tracked down by
creditors
Identity theft can take a long period to detect and even longer to clear. Reduce
your risk and protect your personal information in all your financial dealings,
whether over the Internet, by following these tips:
Top Tips
-
Take care when you go online from public sites
Try to avoid
using Online banking, at Internet Cafés, Libraries, and other public
sites to avoid the risk of information being copied and abused after you
leave.
-
Get wise
to online fraud
Be aware that there
are fraudulent web sites designed to trick you and collect your personal
information. Sometimes links to such web sites are contained in email
messages purporting to come from financial institutions. Make sure to use the
official known web address, to link to bank pages. Crédit Agricole Egypt will never send you this
kind of mail.
-
Change
your passwords
Always change
passwords that may have been compromised. It is recommended that you change your
password at regular intervals.
-
Contact
your bank if you think someone else knows your Online Banking password
-
Password
protect your computer
Use a password on
your computer to prevent unauthorised individuals from accessing your
information.
-
Disable
the 'AutoComplete' function within your browser
This will help
prevent others from seeing personal information. On Internet Explorer, for
example, the AutoComplete' function remembers data you have input, sometimes
including passwords.
Keep
your password secure
Passwords are the key to your online account information, to
accounts at online stores and a host of other online activities. Your Crédit Agricole Egypt Online
Banking password, together with your Online banking ID, permits access to your
bank accounts. For this reason your password should be unique and very well
protected.
Top Tips
-
Keep it
to yourself and never share it
-
Be
unique, try and create
unique passwords that are not easy to guess.
-
Use
letters, numbers and symbols Passwords containing upper and lower case letters, numbers,
and symbols are far harder to guess.
-
Never
write them down if you really need to record your password then try to code it.
No one at Crédit Agricole Egypt
will ever ask you for your Online Banking password. If someone does ask you for
it they do not represent Crédit Agricole Egypt.
Keep
your computer secure
The Internet offers hackers the opportunity to access your
system. In fact, although the web's a great way to find the software, downloads,
and music you may want, it's when you are doing this that you could be most at
risk. Please make sure you are using the top rules to secure your computer.
Keep your
online banking session secure
Logging in
Ensure you enter your correct password(s) without the details
being inadvertently disclosed to someone who may be looking over your shoulder.
Logging off
Always remember to log off from the Online banking session and close your
browser when you have finished your online banking. This will clear all traces
of your visit from the PC's memory.
Top Tips
-
Memorise
the keys to your access
Your Online Banking ID and password are your keys to accessing our online
services. Only the right combination of these allows you access.
-
Don't use
links to access our site
Always enter the official web address. Do not use a link as this may take you to
a fraudulent web site that may look exactly like ours.
-
Avoid
using shared computers for Online
Banking
Try to avoid using
shared public PCs, such as those in Internet cafes, to access Online banking.
Keep
your email secure
Generally, email is not secure or encrypted to protect the
content. Therefore, any personal information you include in an email is at risk
of being intercepted by unauthorised individuals. Do not send your Online
Banking ID and/or passwords by email to anyone ever.
Top Tips
-
Never
send sensitive information by email
Don't answer any
unexpected email messages requesting personal information.
-
Be wary
of opening any unexpected email messages with attachments
A common way for
a virus to spread is via email. Never open an email attachment that contains
a file ending with .exe, .pif, .vbs as these are commonly used with viruses.
Any file that appears to have a double extension is almost certainly a virus
and should be deleted.
Protect yourself even when you're offline
Even when you are offline, there's much that you can do to
protect yourself. This keeps private information strictly private.
Top Tips
-
Keep your
details safe
Don't be tempted
to share your User IDs, passwords or any unique personal identifiers/details
with someone else. Nor should you supply personal information to anyone over
the phone or to a web site unless you have satisfactorily verified the
identity of the recipient of such information. Crédit Agricole Egypt would never ask for
Internet passwords over the phone.
-
Read your
statements
Review your bank and
credit card statements for any unusual transactions or withdrawals and notify
the bank immediately if you think a transaction is suspicious.
WARNINGS ABOUT CYBERCRIME
Customers should be aware of
the following methods which criminals use in attempts to convince you to reveal
your confidential access information:
-
E-mails purporting to be from a bank which ask customers to click on a link
which sends them to a fake bank website ( ghost' website);
-
E-mails asking customers to be a sales agent for goods or a service, with
the promise of commissions delivered to your bank account (job scams);
-
E-mails purporting to be from a bank or another legitimate business and
asking for confidential information ( phishing' e-mails);
-
Trojans/spy ware - computer programs which conceal hidden programming which
infect computers and are used by criminals to record and remit your access
keystrokes or to destroy people's data.
Threats & what to do
Fraudulent and spoof websites?
These are authentic-looking
websites created by internet fraudsters which look like other respectable
websites, such as ours. They attract people to their sites through phishing emails and often ask for personal and/or confidential information
What to do
-
Make sure you're connected to the official Crédit Agricole Egypt site at www.ca-egypt.com before
keying in any confidential data
-
Do not access your Online Banking account directly through hyperlinks
embedded in e-mails
-
Type www.ca-egypt.com directly on
the browser address bar or access via a bookmark
-
Check for the locked padlock symbol at the bottom right hand corner of your
screen
-
Ensure the secure browser session is established with Crédit Agricole Egypt by verifying the
information, such as the issuer and the date on the server certificate
-
Change your Online Banking password REGULARLY
Phishing
This is when fraudsters send
SPOOF emails at random. The emails appear to come from a legitimate source such
as Crédit Agricole Egypt and you may be asked to confirm sensitive information such as your
account number, password and PIN number
What to do
-
NOTHING, unless you are absolutely sure of the validity of the sender and
the legitimacy of their request
-
Be aware that Crédit Agricole Egypt will NEVER ask customers for such confidential banking
data in their emails
-
Do not respond to any emails that request such information or click on an
embedded hyperlink
-
Update your anti-virus software and also change your Online Banking password
REGULARLY to protect your personal data
Trojan Horse?
A type of computer virus that
is a computer program masquerading as another program, it appears innocent, but
your files could be damaged or erased if you open the program
What to do
-
Install anti-virus software, personal firewall and security patches
-
Always run an anti-virus software program before you download other programs
or open emails
-
Update your anti-virus software and also change your Online Banking password
REGULARLY to protect your personal data
Please be aware that Crédit Agricole Egypt
will never ask a customer for their card PIN or any other personal security
information. If you receive such a call try to establish who is calling and the
number they are calling from, but do NOT provide any information and report it
to the Bank immediately.
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