Having the latest security software, web browser, and operating system 
are the best defenses against viruses, malware, and other online threats. 
Turn on automatic updates so you receive the newest fixes as they be-
come available. 
A strong password is at least eight characters in length and includes a 
mix of upper and lowercase letters, numbers, and special characters. 
Keep your passwords in a secure place where you can access them in 
case you forget your password. Avoid use of date of birth and other 
personal information as passwords. 
Phishing scams use fraudulent emails and websites to trick users into 
disclosing private account or login information. Do not click on links 
or open any attachments or pop-up screens from sources you are not 
familiar with. 
Forward phishing emails to the Federal Trade Commission (FTC) at 
spam@uce.gov - and to the company, bank, or organization imper-
sonated in the email. 
 
 Though long and complex, privacy policies tell you how the site protects 
the personal information it collects. If you don’t see or understand a site’s  
privacy policy, consider doing business elsewhere. 
Cybercriminals embed malicious links to download malware onto de-
vices and/or/route users to bogus websites. Hover over suspicious links 
to view the actual URL that you are being routed to. Fraudulent links 
are often disguised by simple changes in the URL.  
For example: 
www.ABC-Bank.com vs ABC_Bank.com 
Hackers can use social media profiles to figure out your passwords and 
answer those security questions in the password reset tools. Lock down 
your privacy settings and avoid posting things like birthdays, addresses, 
mother’s maiden name, etc. Be wary of requests to connect from people 
you do not know. 
Always protect your home wireless network with a password. When con-
necting to public Wi-Fi networks, be cautious about what information 
you are sending over it. Consider using a Virtual Private Network (VPN) 
app to secure and encrypt your communications when connecting to a 
public Wi-Fi network. (See the Federal Trade Commission’s tips for se-
lecting a VPN app.) 
Before shopping online, make sure the website uses secure technology. 
When you are at the checkout screen, verify that the web address begins 
with https. Also, check to see if a tiny locked padlock symbol appears on 
the page. 
Office of the Lieutenant Governor - Division of Banking, Insurance and Financial Regulation 
 
The Honorable Tregenza A. Roach, Esq. 
Lieutenant Governor and Chairman, Virgin Islands Banking Board 
 
Gwendolyn Hall Brady, Director 
 
St. Thomas - Nisky Center, Second Floor 340-774-7166   *    St. Croix - 1131 King Street 340-773-6459  * ltg.gov.vi