Dicas para evitar golpes e fraudes na internet

Quem já não perdeu uma boa promoção na internet ou evitou transações bancárias online, que facilitariam a vida, por medo de ser alvo das mais variadas fraudes? Dos consumidores que se arriscaram, mais de 12 milhões sofreram alguma fraude financeira nos últimos 12 meses, segundo pesquisa da Confederação Nacional de Dirigentes Lojistas (CNDL).

Na realidade uma transação pela internet tem riscos sim – assim como qualquer outra – mas algumas precauções podem evitar ou diminuí-los. Uma das principais atitudes é identificar se o site é seguro

“A criptografia de dados hoje não é mais um diferencial para a segurança nos negócios digitais, é uma obrigação, mas não protege por completo o usuário. Por isso, é importante adotar alguns cuidados ao fazer compras pela internet”, alerta o coordenador do curso de Blockchain, Criptomoedas e Finanças na Era Digital do Centro Universitário Internacional Uninter, Daniel Cavagnari.

O especialista nos listou alguns desses cuidados:

1 – Verifique se o nome da página condiz com a loja ou é um composto similar.

2 – Pesquise sobre a loja em sites como o Reclame Aqui. Por mais bonita e mais bem desenhada que seja a loja, a tradição e seriedade estarão registradas. Muitos fraudadores criam lojas para vender, receber, nunca entregar e depois desaparecem. Os lesados sempre deixam registros.

3 – O link que aparece na barra de endereço deve começar sempre com https (e não http somente), indicando que as informações vistas e digitadas são criptografadas.

4 – Evite fazer compras em que seu computador ou celular esteja conectado em uma rede wifi pública, como em bares e restaurantes. Para isso, use sua rede doméstica ou a rede 3G ou 4G do celular.

5 – Prefira os cartões de crédito virtuais, controlados por aplicativos no celular. As operações são controladas em tempo real e muitos deles criam cartões virtuais que mudam a cada compra se o usuário preferir, ou então dão a opção de bloqueio pelo próprio dispositivo.

6 – Nunca e de forma alguma armazene os dados do cartão de crédito para otimizar compras futuras.

7 – Cuidado com os boletos digitais. Existem aplicativos hoje que burlam os arquivos e alteram os dados de pagamento. Para confirmar isso, sempre preste atenção aos dados contidos no boleto e nos dados que aparecem no banco no momento da operação.

Conheça as fraudes virtuais mais comuns

📧Promoções por e-mail: Existem muitos e-mails que apresentam prêmios ou ofertas tentadoras, mas muitas vezes são falsos. É importante que as pessoas prestem atenção a esse tipo de mensagens, que geralmente possuem defeitos de edição (qualidade) e muitas vezes erros gramaticais, típicos de pouca escolaridade ou de estrangeiros fraudadores.

Para evitar tentativas de golpe, é importante prestar atenção ao remetente da mensagem ou verificar o atalho a que se destina. Geralmente aponta para URLs estranhas e desconexas. Exemplo: “Clique no link e acesse a promoção da loja “xyz”. Em vez de “xyz.com.br”, vemos “http://wyut.net/fffg” etc.

💸Ofertas em banners, sites ou redes sociais: Deve-se prestar atenção aos preços oferecidos e principalmente ao site que foi direcionado. Muitas vezes, pode se parecer com o site da loja oficial e até ter nome similar, mas trata-se de fraude. Exemplo: “promodalojaxyz.com” em vez de “xyz.com”.

🚫Hoax (embuste): É aquela mentira que parece uma verdade, geralmente histórias dramáticas, com apelo sentimental, campanhas filantrópicas. Uma fake news que orienta sua forma de pensar.

📲Ransomware: São apps que se instalam no computador de forma oculta, geralmente por conta de um site acessado por links de promoções falsas — justamente para obter informações pessoais do usuário. Como consequência, o fraudador entra em contato e pede dinheiro para liberar o computador ou para não divulgar informações.

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