Cybersecurity: What to do if you’re hacked

Cybersecurity: What to do if you’re hacked

Last updated on 2nd October, 2024 at 11:52 am

October is International Cybersecurity Awareness Month – here’s how you can safeguard your digital presence.

Reading time: 4 minutes

In this article, you will learn:

  • What is a personal cybersecurity breach?
  • How to protect yourself from hacking and identity theft.
  • What to do if you’ve been hacked.

You’re suddenly seeing transactions you never made, or you’re receiving notifications about password changes or logins that you didn’t action. Maybe your devices are acting strangely, with unfamiliar apps or slow performance. Is this a case of computer gremlins, or hacking?

While businesses invest in cybersecurity insurance to cover damages like data loss, hacking and extortion, individuals face their own risks. The reality is that personal cyberattacks can be just as damaging, if not more so, than attacks on organisations – and according to the South African Fraud Prevention Service, identity theft has risen almost 400% in the previous year. So, what exactly does a break in personal cybersecurity look like, and how can you safeguard your digital presence?

What is a personal cybersecurity breach?

A break in cybersecurity for an individual can take many forms. It may involve your personal data being exposed through a phishing scam, unauthorised access to your social media accounts, or, more seriously, identity theft, where a hacker uses your personal information to open credit lines or commit fraud. Other forms of personal cybersecurity breaches include:

  • Ransomware attacks: Hackers lock you out of your own files or devices and demand payment for access.
  • Credential theft: Hackers steal your login details for bank accounts, email or other sensitive services.
  • Data breaches: Sensitive personal information is leaked due to weak security on online platforms or services.

These breaches often stem from vulnerabilities such as weak passwords, outdated software, or falling prey to phishing scams.

5 Tips to protect yourself from hackers and identity theft

1. Use strong, unique passwords: Use a password manager to create and store complex passwords – that way you only have to remember one password, and the programme ensures each of your accounts has its own complex password.
2. Enable multi-factor authentication: It seems like a mission but setting up multi-factor authentication with your email and banking apps adds an extra layer of security.
3. Regularly update your software: Don’t ignore those red notifications telling you an upgrade is available – whether it’s your operating system, apps or antivirus software, keeping everything up to date ensures you have the latest security patches to guard against new threats.
4. Beware of phishing scams: Hackers often send emails or messages that look legitimate but are designed to steal your information. Be cautious of any unsolicited emails, especially those asking for personal details. Don’t ever click on any links from an email or SMS – rather go to the site directly, or phone the company to check it’s legit.
5. Secure your devices: Ensure your computer, smartphone and other devices are protected by strong passwords, and install reputable antivirus software to prevent malware from infecting your system.

What to do if you’re hacked

If you think your personal cybersecurity has been breached, here’s what to do:

1. Change your passwords immediately: If you still have access to the affected accounts, reset your passwords and enable multi-factor authentication if possible.
2. Notify affected companies: Contact your bank, credit card company or any service provider involved in the breach. They can help you secure your accounts and monitor for any unusual activity.
3. Check for identity theft: Review your bank statements for any suspicious transactions or accounts opened in your name.
4. Report the hack: If identity theft or financial fraud has occurred, file a report with the police and your bank.
5. Reach out to Sanlam Legal Assist: This 24/7 telephonic advice line manned by qualified in-house attorneys can give you guidance on your next steps.

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