Security on the Internet

"Phishing" is where scammers use seemingly well-intentioned emails, SMS texts and websites in an effort to obtain confidential and personal data, e.g. credit card numbers or passwords. Cembra Money Bank will never send you an email asking you to disclose confidential information! Do not reply to any such requests.

• What do I do if I receive a suspicious email?
  If you receive a suspicious email, please forward it immediately to Cembra Money Bank (antiphishing@cembra.ch) and delete it without replying to it.
• What do I have to do if I have revealed information about my credit card in this manner?
  If you suspect that someone has access to your credit card details, please contact us immediately on the following number: +41 (0)44 439 40 20.
• What does Cembra Money Bank do to combat phishing?
  Cembra Money Bank constantly monitors and combats potential phishing attacks and initiates countermeasures after their discovery so that the fraudulent website behind the link is taken down as quickly as possible and can no longer be accessed by customers.

• Make sure that you only carry out transactions on the Internet over secure connections (e.g. an SSL connection). Based on this, you must always check that there is a picture of a padlock (confirmation of a secure connection) in the browser status bar and the website address (URL) begins with "https".
• When making purchases, always check the retailer's General Terms and Conditions before entering your credit card details and concluding your order.
• Only use your credit card to make purchases from serious providers. Signs that the website is serious include transparent information about the data encryption used on the site, the company's address, email address and telephone number, as well as the General Terms and Conditions. Print out the order or the retailer's website or note down the website URL. Retain all documents.
• Do not use your credit card to make orders when using public computers (e.g. in an internet café). The data may be stored in the computer's temporary memory and read by the next user.

Scammers are always finding new ways of getting their hands on customer data:

• Malware
  The term "Malware" refers to a whole range of malicious software, such as viruses and trojan horses, which scammers try to sneak onto your computer.
  
  How do I protect myself and my computer against malware?
  Always make sure you have a firewall and an up-to-date anti-virus programme installed/activated on your computer. You can find further information on how you can protect yourself and your computer online in Section 6. "General Internet security recommendations".
  
  
• Fraudulent telephone calls
  Scammers also try to obtain your personal data over the phone, e.g. by impersonating computer specialists from well-known software manufacturers. They claim that there is a vulnerability on your PC and offer to help rectify this. At this point, they ask you to provide them with your credit card details so that you can be charged the fee for this "service". Never accept an offer of this kind! Nevertheless, if you have disclosed your credit card details to a scammer, please contact us immediately on +41 (0)44 439 40 20.

• Make sure that your operating system (Microsoft / Macintosh) and internet browser are always up-to-date with the latest security updates.
• Use the spam filter to protect yourself against junk and phishing-emails. You should always be careful when passing on details of your email address and use additional filter programmes, i.e. spam filters.
• Do not open any emails from unknown senders or that contain unexpected attachments.
• Do not respond to requests via email or in links to enter your personal data, even if the sender claims to be Cembra Money Bank.
• Protecting your privacy. Do not under any circumstances disclose your personal details, such as mobile phone number, credit card number, etc., to dubious websites.
• Do not install any programmes from untrustworthy sources.