Phishing (pronounced “fishing”) is a form of criminal activity that employs social engineering techniques to acquire sensitive personal information (such as passwords, account numbers, Personal Identification Numbers (PINs), Social Security Numbers, and account information). By masquerading as trustworthy individuals or businesses in an apparently official electronic communication like email, criminals use sophisticated lures to “fish” for users' passwords and account or personal information.
However, scammers may use other contact methods to obtain your private information, such as text messages (also known as short message phishing or “smishing”) and through phone calls (also known as voice phishing or “vishing”). With these methods, you could receive a text message, phone call or voice mail directing you to a website or phone number, where you would be asked to provide your personal data.
For example, you could receive a text message from an unusual number that says your account will be closed, frozen, or terminated unless you call a telephone number or go to a website. Often, these messages give negative consequences for not responding. This is an attempt to scare you and convince you to provide your personal or account information.
There are hundreds of variations, but in general, phishing comes in one of these scenarios:
If you ever are unsure about the authenticity of an email, phone call, or text message, please contact the Company.
With those things in mind, please exercise caution when reading email that appears to have been sent by us. It is an unfortunate reality that criminals continue to devise ways to exploit technology in an effort to obtain your personal or account information.
If you suspect that you have been targeted as part of a potential Internet fraud, you should go to the Internet Crime Complaint Center and file a report.
Looks can be deceiving. As criminals make more credible forgeries of legitimate email and websites, you can no longer rely on seeing familiar graphics like the company’s logo. The key to determining an email’s authenticity lies in the tone of the message and the nature of the solicitation. Criminals want you to give them information and they are not very subtle about it. Our goal in marketing by email is to tell you about products and services we think will interest you.
It is not our practice to:
You should never give out personal or financial information such as your checking account, credit card, or Social Security Numbers over the phone unless you initiate the call or know the person or organization you are dealing with.
No legitimate representative of the Company will ever ask you for your PIN or password via email communication.
Always use caution when you receive a phone call from someone who: