Awesome-Mirrors/personal-security-checklist
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Adds Personal Finance Section

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Alicia Sykes 2020-04-25 23:42:14 +01:00 committed by GitHub
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@ -255,6 +255,20 @@ The most privacy-respecting option, would be to not use "smart" internet-connect
- [Home Automation](/5_Privacy_Respecting_Software.md#home-automation)
- [AI Voice Assistants](/5_Privacy_Respecting_Software.md#ai-voice-assistants)
## Personal Finance
**Security** | **Priority** | **Details and Hints**
--- | --- | ---
**Understand the Privacy / Security trade off of Credit Cards** | Recommended | Credit cards have technological methods in place to detect and stop some fraudulent transactions from going through. Major payment processors mine huge amounts of data from their card holders, and know a great deal about each persons spending habits. They track the types of merchants you visit, as well as locations (either from physical store location, or your IP address). Since credit providers don't want to foot the bill for fraud, they have an interest in keeping accounts as safe as possible. Credit cards are therefore good for security, but terrible for data privacy.
**Apply a Credit Check Lock** | Recommended | This will stop anyone from requesting a hard or soft credit check on you, without you first consenting it. This is important since credit checks reveal a lot of personal details about you, and (without a lock) there is nothing to stop any company, organisation, individual or government entity from requesting your credit history at any time, without you being notified. For instructions with specific agencies, refer to this article on [Intel Techniques](https://inteltechniques.com/blog/2018/09/28/complete-credit-freeze-tutorial-update/)
**Enable Fraud Alerts** | Recommended | Fraud alert messages notify potential credit grantors to verify your identification before extending credit in your name in case someone is using your information without your consent. You can contact credit agencies and request that they implement a fraud alert on your account, to help protect against identity theft
**Know how to Freeze your Credit** | Recommended | If you suspect that any of your personal details have been exposed, you will need to apply a credit freeze as soon as possible, to prevent identity theft. Ensure you know how to do this for your specific credit bureaus. Check your credit, debit accounts, email inbox and post regularly, monitoring for anything that doesn't look right
**Use cash for daily transactions** | Optional | Digital payment methods leave a comprehensive data trail. Using cash for local transactions makes it near impossible for you to be tracked through spending.
**Use an anonymous cryptocurrency for online transactions** | Optional | Unlike card payments, most cryptocurrencies are not linked to your real identity. However many blockchains have a public ledger, where transaction details can be publicly viewed online. A privacy-focused currency, such as [Monero](https://www.getmonero.org) or [ZCash](https://z.cash) will allow you to pay for goods and services without any direct link to your identity.
**Buy Crypto Anonymously** | Advanced | If you are buying a common cryptocurrency (such as BitCoin), in order to use it as a payment method avoid paying by card on an online exchange, since this will link directly back to your real identity. Instead use a service like [LocalBitcoins](https://localbitcoins.com), or buy from a local BitCoin ATM ([find one here](https://coinatmradar.com)). Before withdrawing, consider using a [bitcoin mixer](https://en.bitcoin.it/wiki/Mixing_service), to make your transaction harder to trace.
**Use an alias details for online shopping** | Advanced | When you pay for goods or services online, you do not know for sure who will have access to your data. Using an alias name, forwarding mail address and not disclosing your personal phone number will go a long way in keeping you safe. Services such as [SimpleLogin](https://simplelogin.io/?slref=bridsqrgvrnavso) or [Anonaddy](https://anonaddy.com) will allow you to create anonymous forwarding email addresses
**Use alternate delivery address** | Advanced | When online shopping, if possible get goods delivered to an address that is not associated to you. For example, using a PO Box or forwarding address.
## Sensible Computing