1. Which is a greater option to safeguard your accounts—a password or passphrase?
Reply: Passphrase. Password breaches are a typical method for hackers to achieve entry to accounts. Think about using a passphrase as an alternative—a sentence or a random mixture of phrases. Passphrases are usually longer and extra complicated, making them tougher for hackers to crack. For those who suspect id theft, report it to the Federal Commerce Fee at identitytheft.gov, which gives restoration plan assist.
2. Over what medium does a “smishing” assault happen?
A. Electronic mail
B. Textual content message
Reply: B. “Smishing” has grow to be a rising method for hackers to attempt to steal your knowledge—or cash—by a textual content message. The textual content message makes an attempt to dupe you into following a hyperlink and revealing your private particulars or login info. Be taught extra about “smishing” right here.
3. True or false: You may be held liable in case your shopper falls sufferer to a wire fraud rip-off.
Reply: True. Actual property professionals are discovering themselves on the heart of lawsuits charging they didn’t warn shoppers concerning the risks. In a 2018 case (Bain v. Platinum Realty LLC), a Kansas court docket discovered an actual property agent and her brokerage liable after fraudulent wire directions, purportedly despatched by the agent however truly from a scammer, had been despatched to the patrons. The patrons misplaced their $196,622 down cost. The agent was held liable, regardless of denying sending the e-mail. Be taught extra concerning the dangers by studying this text.
4. What strategy do you have to use to assist safeguard your knowledge from a ransomware assault?
A. 3-2-1 strategy
B. Bodily hard-drive backup
C. Cloud storage
Reply: A. This really helpful technique says that it’s best to have three copies of your knowledge: the unique and two copies, on totally different media, one copy of which is offsite. It will assist you to rapidly restore operations and be much less weak to ransom calls for by cyber criminals. Be taught extra from NAR’s Oct. 20, 2021, “Window to the Regulation” video.
5. What do you have to by no means share together with your shoppers over e mail?
A. Any particulars about closing
B. Wiring directions
C. Monetary info
D. The entire above
Reply: D. Remind your shoppers that you’ll by no means ship adjustments to wiring directions or cost info over e mail. Additionally, by no means trade any particulars about closing or different milestone dates. Inform your shoppers to do the identical. NAR is a part of the Actual Property Fraud Prevention Coalition, which gives assets to assist shoppers learn to higher shield their knowledge and delicate info. Obtain a doc to share together with your shoppers at nar.realtor/protect-your-money. Extra data: stopwirefraud.org.
How Did You Do?
5 appropriate solutions. Phishers and smishers, beware! You’re going after the improper particular person.
Three to 4. Bone up on the best way to shield your self. NAR’s REALTOR® Security Program (nar.realtor/security) gives cybersecurity assets to assist members shield their delicate knowledge, shopper contact info, networks, and methods towards any sort of cyberattack.
Fewer than three. Learn the REALTOR® Security Program cybersecurity assets, and look into Securus ID, a REALTOR Advantages® Program associate that gives a free darkish internet scan report and full-service id theft safety.