Information Security Tips from Westfield Insurance

You just received a Breach Disclosure Letter. Now what?

You just received a breach disclosure letter. Their systems were "compromised". Now what? Do you call the police, close all your bank accounts and change your credit card numbers, file the letter and hope for the best?

The first thing is to take a deep breath. Breach disclosure letters can be intimidating but don't panic. Take the time to figure out what, if anything, you should do. Read the disclosure letter itself very carefully. The disclosure letter should have some details about the breach. It may be enough to show that the breach didn't apply to you. (I got a letter recently about my son's medical information. Based on the dates in the letter, I knew that the breach couldn't have affected him.) If you want more information, look on the internet. Check out the company's website but also look for independent news reports. Be cautious about the blogs and other unverified sources, though. Look specifically to see what information is at risk. Also try to figure out whether the information was stolen or merely lost. If it was stolen, the odds are much higher that the information will be misused.

If you think it was stolen, start watching your accounts carefully, especially if the compromised information included bank or credit card numbers. Check those accounts online daily, looking for unauthorized transactions. If you see something suspicious, call your bank immediately.

If you haven't done so recently, request a copy of your credit report. You should be in the habit of checking it regularly. Be extra vigilant for a cycle or two after receiving a breach disclosure letter. If the thief is going to abuse your account, it will probably only be for a few large transactions sometime within 3-6 months of the theft.

If your Social Security number has been compromised, strongly consider calling the three major credit bureaus to put a fraud alert on your records. When reviewing your credit report, look particularly for new accounts opened in your name. If you feel you’re at a particularly high risk, you can also implement security freeze, though the costs may outweigh the protections for most people.

If the breach disclosure letter says that you are eligible for credit monitoring, think about that. Personally, I don't believe they will do anything for me that I'm not already doing for myself for free since I already monitor my credit report. I don't want to put my personal information in the hands of yet another company just so they can do the same thing. Worse, some of these monitoring services put into the contract that they will automatically renew you (for fee) when the free period runs out. I don't want to have to remember to turn off the monitoring in a year. But if monitoring will help you sleep better at night, consider it.

Finally, if you’re an actual victim of identity theft ( not just credit card fraud), you do want to call the police and file a police report according to Paul Stephens, director of policy and advocacy for the Privacy Rights Clearinghouse. Keep a copy of the police report for your records. You'll need it to prove your innocence as you attempt to clean up your credit reports. Follow the instructions at the credit reporting agency's website to dispute incorrect information.

based in part on a CSO Online column

Reminder: No Tip next week. Have a great Labor Day weekend.

Filesharing - defined

All the kids are doing it. And depending on which news reports you read, it's either the inevitable wave of the future or another sign of the collapse of our society - or both. But what is filesharing really?

Filesharing is the term for software designed to make it easier for you to share stuff through your computer with other people. (I use the technical term "stuff" here because you can share literally any electronic file through these tools but the most common shared files are documents, music files and videos – and viruses. More on that in a minute.) The most common form of filesharing is "peer-to-peer" (P2P) sharing, a way to share files directly from your computer to someone else's computer without needing to store it on a server somewhere. If I want to download a file that you've offered up for sharing, I reach through the internet and grab it directly off your computer.

This kind of filesharing requires special software such as Limewire, BitTorrent or Kazaa. These applications create an index of the files that you've offered for sharing and publish the index to the Internet so others can find your files. They also let you access the index and download the files you want. Filesharing is an easy way to publish documents widely and can get you access to all kinds of free content. Music is especially easy to find.

The problem with filesharing is that it exposes you and your computer to all sorts of risks that are not disclosed by the filesharing network or those "friends" who are pressuring your kids.

• When you use P2P, it is essentially impossible to verify that the file is trustworthy. Hackers hide spyware, viruses, worms and trojan horses and other malicious code into the files. When you download the file, you infect your own computer.
• P2P also opens up your computer to outsiders. The applications claim to only expose certain directories but 1) you don't know if the application is locking the folders down properly and 2) it's too easy to misfile a confidential document in a shared folder. Any little mistake opens up your confidential information to the world.
• Most P2P applications require you to open up certain ports on your firewall so it can send or receive the files. Hackers exploit those open ports to attack your computer directly anytime it is connected to the internet.
• And, of course, the big risk that got so much press when Napster was being sued into bankruptcy is the phenomenally high proportion of copyrighted material being illegally offered for "sharing". If you download pirated content, even unknowingly, you could face fines or other legal action. The Recording Industry Association of America (RIAA) is especially aggressive about finding and suing individual users who have illegally copied content on their computers.

If you run a network, either at a business or at home, I strongly recommend that you block filesharing sites. Remember, you go to jail or pay the fine whether they downloaded the illegal software with your knowledge or not. If you have kids, turn on your computer's parental controls and block those sites. Teach your kids to buy their music legitimately.

Based in part on US-CERT Cyber Security Tip ST05-007

Domain registration "alerts"

Westfield has recently started receiving "alerts" about internet domain registrations from a company in Asia. This company claims to have received an application for internet domains that are close to Westfield's main domain, westfieldinsurance.com, but carry different suffixes such as westfieldinsurance.net.cn, westfieldinsurance.hk or westfieldinsurance.asia. The email claims that the company "discovered" that the brand keyword matched our company's name and trademark and asks someone to contact them "before we finish the registration" for the other company.

On the Internet, the domain naming system treats every combination of domains as a unique destination. Owning example.com gives you no special rights to example.org. And while you may be able to make a case for trademark infringement, the domain naming system has a strong bias in favor of "first-come, first-served." If a domain name is important to your brand, you need to act to protect it.

If you're not already monitoring internet domain registrations that are similar to your trademark and business, you really should start. There are several good monitoring services out there, some that will send daily alerts for free. Remember, however, that you can't commandeer every possible variation of your domain – there are just too many possibilities. Get the domains that you think are most important and monitor the rest.

The message from the Asian company, however, is a scam. We have traced two different types of these messages so far. In the first case, it was a straightforward con for a credit card number. In the second case, it was an actual domain registrar using questionable tactics to generate business. In both cases, we investigated the company - a Google search on some keywords from the email will often return examples of others who have run into the same con - and decided not to respond to their phishing attempt.

If someone registers a domain name similar to yours, look at the domain registration. (There are several excellent lookup tools on the web. I tend to use whois.domaintools.com). If the other person registering the domain appears to be a legitimate business that just happens to have a similar name to yours, don't worry too much about it. We regularly bump into the the Westfield Group that owns Westfield Shoppingtown Malls (an Australian firm). We also know about domains registered to a car repair shop on a Westfield Road in Indiana. There's no connection and no evidence of fraud – and they got to the domain first. As long as they keep the domain out of the phishers' hands, I can live with that. I also don't worry too much about the domain resellers who buy the domain name then "park" it with some generic ads. (Here is an example.) As long as there's no evidence of misuse and no obvious confusion with my brand, I'm willing to let most of those sit.