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That bank email in your inbox might look legitimate, but it could be a dangerous scam designed to steal your personal information. We recently received one ourselves, and it’s alarmingly convincing. It warns of an unrecognized device trying to sign in and urges you to “verify your activity” via a provided link. While it appears helpful, this email is anything but safe.In reality, it’s part of a growing wave of phishing attacks that mimic trusted companies like Chase. These emails are loaded with deceptive links that lead to malware infections, and the consequences can be severe.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTER HOW FAKE MICROSOFT ALERTS TRICK YOU INTO PHISHING SCAMS Actual bank phishing scam email  (Kurt “CyberGuy” Knutsson)How the bank phishing scam email worksThis scam starts with what looks like a typical security alert from Chase or another bank. The email claims someone tried to log in from an unknown device. To “protect” your account, it asks you to confirm your identity by clicking a link.What happens next is where things take a dark turnClicking the link launches a fake webpage designed to distract you while a hidden file quietly runs in the background. This file is often an HTA file, a type of HTML application commonly used to deliver malware. It then drops a DLL file onto your computer, essentially a backdoor that opens your system to hackers.From there, the malware uses a technique called Reflective DLL Injection to inject malicious code directly into your browser’s memory. This allows attackers to:GET FOX BUSINESS ON THE GO BY CLICKING HEREMonitor your keystrokesSteal login credentials and credit card numbersGain access to your accountsCreate long-term backdoors on your systemThis scam isn’t just trying to scare you; it’s designed to take full control. Scam phishing email   (Kurt “CyberGuy” Knutsson)Signs you’re looking at a bank phishing scam emailScammers rely on urgency and fear to prompt you into quick action. Here’s how to recognize a phishing attempt like this:Check the sender’s email address: Hover over the sender’s name to see the actual email address. In our case, “JP Morgan” was linked to a Gmail address, a clear red flag. Legitimate companies don’t use personal email services like Gmail or Yahoo for official communication.WHAT IS ARTIFICIAL INTELLIGENCE (AI)? Actual bank phishing scam email  (Kurt “CyberGuy” Knutsson)Unusual language or grammar: Scammers often use awkward phrasing or capitalization errors like “Security access your accounts.”Generic greetings: Real banks usually use your name. Scams often begin with “Dear Customer.”Suspicious links: Hover over any link to see the actual URL. If it looks off, don’t click.Unexpected requests: If the email urges immediate action, especially involving account access, take a step back.Tips to stay safe from bank phishing scam emailsYou don’t need to be a tech expert to avoid falling for phishing scams. A few simple habits can go a long way in protecting your identity, finances and devices. Here are some essential steps anyone can follow:1. Avoid clicking suspicious links and use strong antivirus softwareNever click on links in unsolicited emails. Instead, type the official website URL into your browser or use the company’s verified app. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com/LockUpYourTech2. Use two-factor authentication (2FA)Enable two-factor or multi-factor authentication on all sensitive accounts. This adds an extra layer of security, making it harder for hackers to break in.3. Use a personal data removal serviceThese services help you remove your personal information from data broker sites that scammers may use to craft convincing phishing attacks. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com/DeleteGet a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan4. Strengthen passwords with a password managerA trusted password manager helps you create strong, unique passwords for every site and stores them securely so you don’t have to remember them all.Get more details about my best expert-reviewed Password Managers of 2025 here at Cyberguy.com/Passwords5. Keep your software updatedRegularly update your operating system, browser and all apps to close security gaps that hackers often exploit. Many phishing attacks rely on outdated software to launch malware, so turning on automatic updates is one of the easiest ways to stay protected.6. Pause and verify urgencyIf an email pushes urgency, like a locked account or an unfamiliar login, slow down. Contact the company directly using a number or email from its official website.7. Review email senders carefullyAlways hover over the sender’s name to check the actual email address. If it ends in something like @gmail.com and claims to be from a major bank, it’s likely fake.CLICK HERE TO GET THE FOX NEWS APPKurt’s key takeawaysPhishing scams like this Chase bank email are getting harder to spot. They look professional, include real logos and mimic the tone of official messages. But with a few safety habits, you can protect yourself from even the most convincing attempts.Would you click the link without thinking, or would you pause and investigate? Let us know how you handle suspicious emails and whether you’ve seen scams like this in your inbox lately by writing to us at Cyberguy.com/ContactSign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTERCopyright 2025 CyberGuy.com.  All rights reserved.  

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Your 401(k) might be one of the most valuable things you’ve got. And scammers are well aware of this. So, while you’re focused on building a nest egg, they’re out there coming up with new ways to take it from right under you. The tricky part is that most of us don’t check our 401(k) accounts all that often, which makes it harder to spot unusual charges. And that gives cybercriminals the upper hand. This isn’t ideal for anyone, but the risks become even more serious the closer you get to retirement. For one thing, you’ve likely saved up a good sum. But, what’s worse, a single successful attack could leave you without the cushion of your savings at a vulnerable time in life. This doesn’t mean you’re defenseless, though. There’s plenty you can do to protect yourself. I’ll go over how criminals gain access to 401(k) accounts, what I personally recommend for locking things down, and what to do if something doesn’t feel right.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER.HOW SCAMMERS EXPLOIT YOUR DATA FOR ‘PRE-APPROVED’ RETIREMENT SCAMS 401(k) written on a tablet. (Kurt “CyberGuy” Knutsson)Common types of 401(k) identity fraudContrary to popular belief, criminals don’t always need to “hack” their way in. In fact, 99% of cyberattacks require you to let them in. So, social engineering is a favorite tactic. However, you should also be wary of traditional, less sophisticated attacks.These are the tactics I see criminals use most often:Phishing emails and fake logins. These look legit, but they take you to a fake site designed to steal your login. Criminals may make the message appear to come from your provider or the bank, then steal your information by asking you to “verify” your account.Phone scams and robocalls. You may receive calls from the “IRS” or “retirement office” saying there’s a problem with your 401(k). These scams always have a sense of urgency, using fear to pressure you into handing over personal information.Loan and withdrawal fraud. Criminals may ask for an early withdrawal or loan and reroute the money to their own account.401(k) rollover scams. Scammers may ask you to move your funds into an individual retirement account (IRA), then try to convince you to make high-risk or worthless investments.Business email compromise. Criminals may pose as HR or payroll and ask you to change your contribution settings or give them access to your account.AI-powered impersonation. Cybercriminals can use deepfake voice tech and advanced chat tools to trick you into thinking you’re speaking with someone you trust, like your financial advisor or even your spouse.Mail theft. One of the easiest ways to steal from your 401(k) is by intercepting rollover checks sent through the mail. All they really need is your address.SIM swapping and malware. Scammers can intercept security codes and log in to your account by hijacking your phone number or infecting your device. A woman viewing her 401(k) info on her laptop. (Kurt “CyberGuy” Knutsson)How I recommend securing your 401(k)It comes down to a few small habits to maintain your digital hygiene. Most of these focus on keeping your sensitive information private and secure. Data brokers actually collect and sell that information, making it easier for scammers to target you, things like your contact details, employment history, address, date of birth, and more. These companies have even been caught intentionally selling scammers data belonging to elders (who, unsurprisingly, later fell victim to elder fraud). Here’s what I recommend you do to protect yourself from 401(k) scams:WHAT IS ARTIFICIAL INTELLIGENCE (AI)?1) Keep your personal information locked downYour data is the biggest weapon in a cybercriminal’s arsenal. Taking it away reduces the risk of ever ending up on their radar to begin with. I use a data removal service to handle this part for me. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time.Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com/DeleteGet a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan.2) Use a strong passwordMake sure it’s unique (never reuse passwords), at least eight characters, and complex. Try to keep it completely random and use a mix of numbers, symbols, and upper and lower case letters. This makes it much harder to crack. Consider using a password manager, which securely stores and generates complex passwords, reducing the risk of password reuse.Check out the best expert-reviewed password managers of 2025 at Cyberguy.com/Passwords. 3) Enable multi-factor authentication (MFA)If your provider offers this option, it adds an extra layer of security. Check out my top picks for the top multi-factor authentication apps to protect your accounts.4) Check your 401(k) regularlyI log in about once a month just to see if anything looks off. Many attacks don’t result in obvious signs, so it may be too late to notice them in time unless you’re actively looking.5) Turn on notifications and keep contact details up to dateMost providers let you enable alerts for logins, withdrawals, and password changes. This way, if anyone does gain access, at least you’ll know.6) Avoid using public Wi-FiIf you’re checking your account from a café or airport, cybercriminals can intercept your login credentials or other sensitive information. If it can’t be avoided, make sure to use a good VPN to keep the connection secure.For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android & iOS devices at Cyberguy.com/VPN. A woman viewing her 401(k) info on her laptop. (Kurt “CyberGuy” Knutsson)If you suspect 401(k) fraud, act fastSpeed is everything when it comes to financial fraud. These steps can help stop the damage and improve your chances of recovery:GET FOX BUSINESS ON THE GO BY CLICKING HERE1) Contact your plan provider immediatelyCall your 401(k) provider and request a freeze or lock on the account to prevent further activity.2) Notify your employer or plan administratorIf your retirement plan is through your job, loop in HR or your plan administrator right away. They may be able to escalate your case faster.3) Report the fraud to the governmentFile a complaint at IdentityTheft.gov and contact the Federal Trade Commission (FTC). If you lost money, also report it to your local police department.4) Freeze or flag your creditPlace a fraud alert or credit freeze with the major credit bureaus-Equifax, Experian, and TransUnion. This helps prevent further identity theft or loan fraud.5) Document every detailWrite down everything you know while it’s still fresh-dates, suspicious activity, phone calls, emails, and names of people you spoke with. This information will be critical during any investigation.6) Check related accountsIf your 401(k) was compromised, check your bank accounts, credit cards, and other investment accounts for signs of suspicious activity.7) Change all related passwordsImmediately change the login credentials for your 401(k), email, and any accounts connected to it. Use strong, unique passwords and enable multi-factor authentication.8) Watch for follow-up scamsFraudsters may try again, posing as recovery services or investigators. Be cautious of anyone who contacts you unsolicited about the fraud.The faster you move, the better your chances of mitigating the damage (and maybe even getting some of it reversed).CLICK HERE TO GET THE FOX NEWS APPKurt’s key takeawaysYour 401(k) should be building your future, not funding a scammer’s payday. While most people check their retirement accounts less often than their email, that’s exactly what cybercriminals count on. They’re hoping you’ll let your guard down. The good news? You have more control than you think. By locking down your personal info, checking your account regularly, and setting up the right alerts, you can stay one step ahead. It takes just a few small habits to protect one of your biggest financial assets. Don’t wait until something goes wrong. A little attention now could save you everything later.If someone drained your 401(k) tomorrow, how long would it take you to notice? Let us know by writing to us at Cyberguy.com/Contact.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER.Copyright 2025 CyberGuy.com. All rights reserved.

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What looks like a simple “Are you human?” check is now one of the most dangerous tricks on the internet. Fake captchas have evolved into full-blown malware launchpads, thanks to a sneaky new method called ClickFix. It copies commands to your clipboard and tricks you into running them, without ever downloading a file.This shift in attack tactics is so big that researchers are calling it “CAPTCHAgeddon.” It’s not just a new scam. It’s a viral malware delivery system that’s more convincing, stealthy, and widespread than anything before it. Let’s break down how this new wave of attacks works and what makes it so hard to stop.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER.HOW SCAMMERS EXPLOIT YOUR DATA FOR ‘PRE-APPROVED’ RETIREMENT SCAMS Illustration of fake content behind fake Captcha. (Guardio)How fake CAPTCHAS took overBack in 2024, security experts warned about fake browser update pop-ups. Victims were told to download files that turned out to be malware. But those tricks are now outdated. Enter ClickFix. Instead of asking users to install something, ClickFix loads a fake CAPTCHA screen. It looks legit, just like Google reCAPTCHA or Cloudflare’s bot checks. But when you click “verify,” it secretly copies a malicious PowerShell or shell script to your clipboard. From there, you’re just one paste away from installing malware that steals your accounts, passwords, and files. This new trick is more convincing than any old download prompt. And it’s spreading like wildfire.5 STEPS TO PROTECT YOUR FINANCES FROM FAMILY SCAMSFrom pop-ups to full-scale CAPTCHA campaignsFake captchas didn’t stay in sketchy ad pop-ups for long. Attackers realized they could hide these tricks in places people already trust:Compromised WordPress blogsGitHub repositoriesReddit threadsBlurred-out news sitesBooking.com phishing emailsEach attack blends into the site or service it mimics. Some CAPTCHAS  even display site logos, making the trick look like it came from the page itself. This isn’t a spray-and-pray scheme anymore. It’s targeted social engineering wrapped in sleek design. Illustration of expanding CAPTCHA narrative over time. (Guardio)The tech behind the CAPTCHA trickThese aren’t low-effort scams. Attackers constantly evolve their tactics to avoid detection. Here’s what makes this malware so stealthy:Clipboard hijacking: Instead of downloading a file, it pastes the attack right into your clipboard.Obfuscated code: PowerShell and shell scripts are hidden with misspellings, symbols, and encoding.Trusted hosts: Some payloads come from Google Scripts, making them look safe.Cross-platform reach: They target Windows, macOS, and Linux users alike.Attackers also serve the payloads through trusted-looking domains and even legitimate-looking JavaScript libraries.WHAT IS ARTIFICIAL INTELLIGENCE (AI)?Tracking the malware’s DNASecurity researchers at Guardio didn’t just look at one attack. They analyzed thousands. By clustering command structures, domains, and payload patterns, they identified multiple threat actors using similar tactics, each with a slightly different twist. Some groups use heavily obfuscated code. Others go for speed with clean, readable scripts. But all of them rely on the same core trick: fooling you into clicking something that seems harmless. Illustration of evolution of CAPTCHA scams. (Guardio)How to protect yourself from fake CAPTCHA attacksThese new ClickFix scams are stealthy, convincing, and hard to detect, but you can stay safe with the right habits and tools. Here’s what to do immediately: 1) Keep your browser and antivirus software updatedAlways run the latest version of your browser and operating system. Updates patch security holes that attackers exploit. Also, use a strong antivirus software and keep it updated.  The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android & iOS devices at CyberGuy.com/LockUpYourTech.GET FOX BUSINESS ON THE GO BY CLICKING HERE2) Avoid copying and pasting commands from unknown sourcesIf a site asks you to paste a command into your terminal or browser console, stop. That’s the main delivery method for ClickFix malware. Legitimate services will never ask you to do this.3) Check links and domains carefullyPhishing campaigns are hiding fake CAPTCHAs in legit-looking URLs on Reddit, GitHub, and even news sites. Always hover over links before clicking and double-check the domain, especially if prompted to “verify you’re human.”4) Use a personal data removal serviceThese attacks often target users whose emails or personal details are already circulating online. These services can reduce your digital footprint by requesting removal from data broker sites. While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice.  They aren’t cheap – and neither is your privacy.  These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites.  It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet.  By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com/DeleteGet a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan.5) Use a browser with built-in phishing protectionModern browsers like Brave, Chrome, Firefox, Safari, and Opera offer real-time protection that blocks malicious websites, including fake CAPTCHA pages. Microsoft Edge also includes strong phishing defenses through its SmartScreen filter. Make sure features like Enhanced Safe Browsing or SmartScreen are turned on. These tools detect threats before you click, giving you a critical layer of defense. 6) Use a password manager with phishing detectionPassword managers don’t just store your logins; they can also alert you when a site looks suspicious. If your manager won’t autofill a password on a CAPTCHA screen or login page, that’s a red flag. It usually means the site isn’t recognized as legitimate. This small moment of hesitation can help you avoid falling for a scam.Check out the best expert-reviewed password managers of 2025 at Cyberguy.com/Passwords.7) Report fake CAPTCHA sitesIf you land on a shady CAPTCHA page, don’t just close the tab; report it. Most browsers have a “Report a security issue” option, or you can use Google Safe Browsing (safebrowsing.google.com). Flagging malicious pages helps stop the scam from spreading and protects others from falling victim to the same trap. 8) Warn your friends and family about CAPTCHA scams Most people don’t know about these clipboard-based attacks. Share this article and talk about it. Raising awareness can stop the scam from spreading.CLICK HERE TO GET THE FOX NEWS APPKurt’s key takeawaysCAPTCHAgeddon marks a turning point. Malware isn’t just hiding in shady downloads anymore. It’s hiding in plain sight, on familiar websites, in trusted apps, and inside the buttons you click every day. This trend replaces the fake browser update scam entirely. It’s smarter, faster, and harder to detect. And unless we understand how it spreads, it will only grow. Security now means thinking twice about the everyday. Even a CAPTCHA.Have you ever encountered a suspicious CAPTCHA or a strange prompt online? What tipped you off, or did you almost fall for it? Let us know by writing to us at Cyberguy.com/Contact.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER.Copyright 2025 CyberGuy.com. All rights reserved.

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Instagram has introduced three new features to help you share more easily with friends: Friend Map, Repost, and a Friends tab in Reels. While all three are designed to boost connection, one in particular, the Friend Map, has sparked some privacy misconceptions.While the Friend Map has been welcomed by some, it’s also fueling misconceptions online. Social media posts have spread confusion about whether it shares your live location by default, prompting questions about how much control you really have.Here’s what these new tools actually do, how they work, and what you need to know before using them.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER.META ADDS TEEN SAFETY FEATURES TO INSTAGRAM, FACEBOOK New Instagram features include Friend Map, Repost, and a Friends tab in Reels. (Meta)Repost your favorite contentThe new Repost feature lets you share public reels and feed posts directly with your followers. Your reposts appear both in their feeds and in a dedicated tab on your profile, making it easy to revisit your favorites.Creators benefit, too. When someone reposts your content, it can reach that person’s followers, even if they don’t follow you, opening the door to new audiences.To repost, tap the repost icon, add an optional note, and save. The post will credit the original creator so everyone knows where it came from. With reposts, you can repost public reels and feed posts. (Meta)Explore and share with Friend MapFriend Map allows you to opt in to sharing your last active location with a select group of friends. You can choose from options like friends you follow back, Close Friends, or a custom list. You can also turn location sharing off at any time.Privacy matters here. A Meta spokesperson told us:”Instagram Map is off by default, and your live location is never shared unless you choose to turn it on. If you do, only people you follow back—or a private, custom list you select—can see your location.”META AI’S NEW CHATBOT RAISES PRIVACY ALARMSHead of Instagram Adam Mosseri also clarified that tagging a location in your story only shares that place with your followers for 24 hours, it does not reveal your real-time location.If you’re a parent with supervision tools enabled, you’ll be notified if your teen turns on location sharing. You can also disable the feature for them.Location updates occur when you open the app or return to it from the background. Beyond location sharing, the map also lets you explore stories, reels, and notes tagged with a location from friends and creators you follow. Friend Map allows you to opt in to sharing your last active location with a select group of friends. (Meta)Discover more in the Friends TabThe Friends tab in Reels shows you the public content your friends have liked, commented on, reposted, or created. You can also see recommendations from Blends you’ve joined.You’ll have controls to hide your own likes or comments and mute activity from certain people. This makes it easy to keep your feed focused on what you enjoy.GET FOX BUSINESS ON THE GO BY CLICKING HERE Friends is a new tab in Reels. (Meta)What this means for youIf you love staying connected on Instagram, these tools give you more ways to share and discover content with people you care about. But the Friend Map feature demands extra attention. If you decide to turn it on, take time to customize your sharing settings. Think about who really needs to see your location and review your choices regularly. For parents, this is a good opportunity to talk with teens about online privacy.CLICK HERE TO GET THE FOX NEWS APPKurt’s key takeawaysInstagram’s latest features are a mix of fun and function. Reposts make it easier to share what inspires you, Friends tab helps spark conversations, and Friend Map opens the door to spontaneous meetups, but only if you manage privacy wisely. The good news: you’re in control of what you share and with whom.So, would you trade a little privacy for more connection with friends on Instagram? Let us know by writing to us at Cyberguy.com/Contact.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER.Copyright 2025 CyberGuy.com. All rights reserved.

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Scammers are working harder than ever to trick people online, but WhatsApp is hitting back in a big way. In the first half of 2025, WhatsApp removed more than 6.8 million accounts tied to global scam networks, many of them run by criminal groups and even forced labor camps in Southeast Asia. At the same time, the app is rolling out new tools to make it easier to spot scams and stay safe while messaging. These updates come as fraudsters increasingly use private messaging apps, dating platforms, social media and even AI tools like ChatGPT to run their schemes. Let’s break down what’s new, how scams are evolving and what you can do right now to protect yourself.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER  Illustration of new WhatsApp anti-scam safety feature (WhatsApp)

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Cybercriminals are always looking for new companies to attack, and the insurance industry seems to be a favorite. Insurance companies are lucrative targets because of the vast amounts of personal, financial and medical information they collect and store.Only recently, U.S. insurance giant American Family Life Assurance Company (Aflac) confirmed it was among the victims of a notorious cyber gang. Now, another insurance provider has fallen prey to a data breach. Allianz Life Insurance Company of North America has disclosed a breach that exposed personal information belonging to the “majority” of its 1.4 million customers.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTER  MULTIPLE US CANCER CENTERS HIT IN COORDINATED PHISHING BREACH Illustration of hackers at work in a dark room   (Kurt “CyberGuy” Knutsson)How the Allianz data breach happenedThe Minneapolis-based insurer told CyberGuy hackers accessed a cloud-based customer relationship management (CRM) platform used by the company. The breach occurred on July 16 and involved the compromise of data belonging not just to customers, but also financial professionals and some employees.GET FOX BUSINESS ON THE GO BY CLICKING HEREAccording to Allianz, the attacker used a social engineering technique to break in, though the company did not disclose further details. Social engineering attacks typically involve tricking employees into revealing passwords or installing malicious software that gives attackers access to internal systems.Allianz said it “took immediate action to contain and mitigate the issue” and has notified federal law enforcement, including the FBI. The company added that there is “no evidence that the Allianz Life network or other company systems were accessed, including our policy administration system.”  Illustration of a hacker at work  (Kurt “CyberGuy” Knutsson)What personal data was exposedAllianz did not specify what kind of customer data was taken, but life insurance providers often store highly sensitive information such as Social Security numbers, dates of birth and financial details.The company also didn’t say who might be behind the attack. But cybersecurity researchers recently warned that Scattered Spider, a financially motivated hacking group known for using social engineering tactics, has been actively targeting insurance companies in recent months.WHAT IS ARTIFICIAL INTELLIGENCE (AI)?Allianz said its investigation remains ongoing and that it has begun reaching out to those affected, offering support through dedicated resources.Allianz Life Insurance Company of North America is a subsidiary of Germany-based Allianz SE, one of the world’s largest financial services firms. The breach appears limited to the U.S. arm of the company. A person scrolling on a smartphone   (Kurt “CyberGuy” Knutsson)Best ways you can stay safe after a data breachIf your personal information has been exposed in a data breach, taking the right steps immediately can help you limit the damage, protect your identity and prevent future fraud.1. Invest in a data removal serviceYou can’t undo the damage once hackers have accessed your data. However, you can limit the fallout by investing in a data removal service. A data removal service can help you remove all this personal information from the internet. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com/DeleteGet a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan2. Use identity theft protection servicesYour Social Security number or other sensitive data may have been exposed in the data breach. Identity Theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com/IdentityTheft 3. Enable two-factor authentication (2FA)Turn on 2FA for your email, banking and insurance logins. Even if a hacker has your password, 2FA requires a second verification step, like a code sent to your phone, making unauthorized access much harder.4. Be wary of phishing and follow-up scamsAfter a data breach, attackers often follow up with phishing emails or phone calls. They pretend to be from your insurance company or a support service. Don’t click on links in unsolicited messages and verify any claims through official channels before responding. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com/LockUpYourTech5. Freeze your credit right awayPut a credit freeze on your files with Equifax, Experian and TransUnion. This stops criminals from opening new accounts in your name. It’s free, easy to set up and you can lift the freeze temporarily when needed. 6. Update your passwords nowChange your passwords for all important accounts. Start with email, financial and health-related logins. Use strong, unique passwords for each account. Consider using a password manager, which securely stores and generates complex passwords, reducing the risk of password reuse. Check out the best expert-reviewed password managers of 2025 at Cyberguy.com/Passwords7. Check your accounts for strange activityLook for any signs of identity misuse, like:Unknown chargesLogins from unfamiliar devicesNew accounts or lines of credit you didn’t openEarly detection makes a big difference.8. Report identity theft fastIf someone is misusing your identity, go to IdentityTheft.gov. This government site provides step-by-step help and generates the letters and reports you’ll need to stop the fraud.CLICK HERE TO GET THE FOX NEWS APPKurt’s key takeawayThe Allianz Life breach fits a pattern we’ve seen too often. Attackers targeted a third-party vendor, stole customer data and triggered a response from the company. Allianz claims it acted quickly to contain the breach and alert authorities, but it hasn’t explained what data the attackers stole or how they pulled it off. This silence raises serious concerns.Do you trust insurance companies to protect your personal data? Let us know by writing to us at Cyberguy.com/ContactSign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTERCopyright 2025 CyberGuy.com.  All rights reserved. 

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Bionic arms used to cost more than a new car. Today, that’s no longer the case. Unlimited Tomorrow is making 3D-printed prosthetics available for under $8,000 and doing it without sacrificing quality, comfort or functionality. Easton LaChappelle founded the company in 2014 at the age of 18. His simple goal was to give more people access to advanced prosthetics that actually fit their lives. Today, the company’s flagship product, TrueLimb, is helping adults and children around the world regain mobility and confidence.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTER $5,900 UNITREE R1 ROBOT IS SURPRISINGLY AFFORDABLE People wearing the TrueLimb, a 3D-printed prosthetic  (Unlimited Tomorrow)How TrueLimb sets itself apart from other bionic armsTrueLimb is a full-arm prosthetic solution designed to feel more like an extension of the body than a mechanical device. Each arm is personalized to match the user’s opposing limb, down to fingertip size and skin tone. A wide range of color options are available, including natural shades, jet black and metallic silver. Instead of relying on standard sizes, TrueLimb is custom-built using a remote 3D scanning system. This digital process eliminates the need for in-person fittings and allows for precise, individualized design. The socket is breathable, adjustable and crafted for all-day wear. A built-in BOA dial lets users fine-tune the fit with ease. At just 1.0 to 1.5 pounds from socket to fingertip, the prosthetic remains lightweight and comfortable.  TrueLimb, a 3D-printed prosthetic  (Unlimited Tomorrow)Smart sensors power intuitive, muscle-based controlTrueLimb features TrueSense technology, which includes over 30 topographical sensors embedded within the socket. These sensors detect subtle muscle movements on the residual limb, delivering accurate and responsive control, even when the limb is covered or sweating.While often referred to as “mind-controlled,” TrueLimb does not read brain signals directly. Instead, it uses advanced sensors to pick up electrical activity from muscles in the residual limb. These signals reflect the user’s intended movements, allowing the prosthetic to respond in real time, creating a seamless, intuitive experience that feels like second nature.WHAT IS ARTIFICIAL INTELLIGENCE (AI)?The system adapts automatically by identifying the most active myo sites, deactivating less useful sensors and fine-tuning responsiveness based on the user’s signal strength. This ensures consistent performance, even if muscle activity changes over time.The prosthetic includes six intuitive grip patterns to support a wide range of daily activities. Independent finger joints allow the hand to wrap around objects naturally, offering both strength and flexibility. The device is precise enough to handle delicate tasks, such as lifting an egg without cracking it.  TrueLimb, a 3D-printed prosthetic  (Unlimited Tomorrow)Feel touch again with haptic feedback technologyBeyond movement, TrueLimb gives the user back a sense of touch. Gentle vibrations provide feedback when the prosthetic hand makes contact with objects. This helps users operate the device without always needing to look down, making actions more fluid and natural. The thumb is manually opposable, giving the user better control over grip force and object handling. Whether opening a bottle or holding a pen, the motion feels smooth and confident.Built for daily life with durable, lightweight materialsTrueLimb is made with PA12 nylon, a highly durable material used in industrial-grade applications. The entire arm is built to withstand daily life. It’s splash-resistant, heat-resistant, stain-resistant and tough enough to handle impact or abrasion. Thanks to its rubberized palm and coated fingertips, the hand maintains a firm grip on smooth or slippery surfaces. And with bionic strength, it can lift objects up to 15 pounds with ease.GET FOX BUSINESS ON THE GO BY CLICKING HEREFast charging and multi-day battery lifePower won’t hold the user back. TrueLimb uses a USB-C charger, the same kind used for most phones and laptops, so no special adapter is needed. A high-capacity 5600mAh battery provides multi-day life, giving freedom to move without frequent recharges. The device also receives over-the-air software updates, so performance improves over time without needing to return the device. Behind the scenes, analytics tools help optimize each arm’s performance based on how it’s being used.How TrueLimb is designed and delivered from homeOne of the most innovative parts of the TrueLimb process is how it reaches users. Everything happens remotely. Users receive a 3D scanner in the mail to capture the shape of their limb. The data goes directly to the Unlimited Tomorrow team, which builds the prosthetic in-house. This approach eliminates middlemen and dramatically speeds up delivery. Users typically receive their completed prosthetic within weeks.  TrueLimb is pictured in the box in which it was delivered. (Unlimited Tomorrow)What this means for youIf you or a loved one needs a prosthetic arm, this technology changes everything. You no longer need to wait months, file insurance claims or attend repeated fittings. With TrueLimb, you get a high-tech, customized solution faster and at a lower cost. You also gain full control and comfort. The sensors respond to your muscle signals without any lag. The arm fits your body, looks natural and feels like part of you.CLICK HERE TO GET THE FOX NEWS APPKurt’s key takeawaysUnlimited Tomorrow is revolutionizing prosthetics with TrueLimb. This device combines 3D printing, smart sensors and remote support to deliver a user-friendly solution. It’s lightweight, strong, affordable and customizable. Most importantly, it brings freedom and functionality back to people who need it. TrueLimb proves that cutting-edge technology can be both personal and practical.If this were available to you or someone you love, would it feel like the right next step? Let us know by writing to us at Cyberguy.com/ContactSign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTERCopyright 2025 CyberGuy.com.  All rights reserved.  

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Every year, American seniors lose over $28 billion to fraud, according to AARP. But here’s the shocking part: Only a fraction ever gets reported. If you’ve received a letter, email, or call claiming you’ve been “pre-qualified” or “pre-approved” for a 401(k) rollover or annuity upgrade, beware. These scams are getting smarter. They sound official and even personalized. But the offers aren’t random; they’re based on real details about you.Sign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTER 5 STEPS TO PROTECT YOUR FINANCES FROM FAMILY SCAMS A man checking his emails on his laptop.     (Kurt “CyberGuy” Knutsson)Why these retirement scams feel so realScammers now buy your personal data from data brokers to craft convincing offers. If you’re in your 50s or 60s, you’re a prime target. They know your age, homeownership status, estimated net worth and even retirement timeline. They don’t guess, they know. Your information is being sold across hundreds of websites, and thousands of people can access it. Curious about how exposed you are?WHAT IS ARTIFICIAL INTELLIGENCE (AI)?What is a “pre-qualified” retirement scam?These scams mimic real communications from financial institutions. You might get a letter or call claiming you’re approved for a new investment or annuity opportunity. Scammers often use financial buzzwords like “IRA consolidation” or “required minimum distribution guidance.” The goal? To make you feel like you’re dealing with a trusted expert. They create fake advisor profiles, complete with headshots, license numbers and U.S. contact info. Many even add logos or branding from familiar banks to boost credibility. But once you respond, they’ll ask for private financial info or, worse, get you to transfer funds directly into their accounts. A woman typing on her laptop and taking notes in her notebook. (Kurt “CyberGuy” Knutsson)Why older adults are prime targetsScammers love targeting seniors because they typically have savings and are making major financial decisions. Plus, their data is easier to get. The unregulated data broker industry makes it easy for bad actors to find and target seniors with laser focus.GET FOX BUSINESS ON THE GO BY CLICKING HEREHow scammers get your dataThese scams are fueled by data purchased from brokers. These companies gather your details, compile profiles and sell them, often without your knowledge. You could appear on lists labeled “Retirees with $250k+ Net Worth” or “Homeowners Nearing Retirement.” It’s disturbingly precise. Some brokers scrape public records, while others buy data from loyalty cards, surveys or sweepstakes. Bottom line: this happens quietly, behind your back.The financial toll of these scamsIn 2024, the FBI reported that seniors lost over $4.8 billion to scams, a record high. Retirement-related fraud was a major part of that. Once your money is gone, it’s usually gone for good. Even if the scammer misled you, your bank may not cover the loss if you authorized the transaction. These scams drain more than just savings. They create lasting stress, fear and shame. Prevention is your best defense. A woman checking emails on her laptop.   (Kurt “CyberGuy” Knutsson)6 warning signs of a retirement scamStay alert for these red flags anytime you get financial offers:You didn’t request the offer. If it’s unsolicited, be skeptical, even if it looks legit.Urges you to act fast. Pressure tactics are a classic scam move.Promises “guaranteed” returns. No real investment can promise that.Asks for sensitive details. Legitimate advisors won’t demand your Social Security number or account info over email or phone.References real personal info. Just because they “know” your retirement date, that doesn’t mean they’re trustworthy.Lacks verifiable credentials. Always double-check licenses and business addresses through your state regulator.How to protect yourself from retirement scamsYou don’t have to wait until it’s too late. Follow these steps to take control today:1. Use a personal data removal serviceThe fewer people who can access your personal information, the safer you are. Opt out of data broker websites manually, or use a data-removal service. Manually removing yourself from hundreds of data brokers is overwhelming. A reputable service can automate the process and protect your exposure long-term. While no service can guarantee the complete removal of your data from the internet, a data-removal service is really a smart choice.  They aren’t cheap, and neither is your privacy.  These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites.  It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet.  By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.Check out my top picks for data removal services, and get a free scan to find out whether your personal information is already out on the web by visiting Cyberguy.com/DeleteGet a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan2. Verify the sourceContact your bank, broker or financial advisor directly. Never trust a cold call, email, or mailed offer without confirmation.3. Guard your personal detailsNever share your Social Security number, account numbers or full birthdate over the phone or email, even if the offer sounds legitimate.4. Loop in a trusted contactBefore making any financial moves, talk to a family member or someone you trust. A second opinion can expose red flags. 5. Block scam messages Use spam filters, call blockers and browser protections to stop scam messages before they reach you.6. Use strong antivirus softwareProtect your devices from phishing links and malicious downloads that scammers use to steal personal info. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android & iOS devices CyberGuy.com/LockUpYourTech 7. Monitor your accountsRegularly check your bank, investment and credit accounts for unusual activity, and set up alerts for transactions.8. Report suspicious activityIf you think you’ve been targeted, file a report with the FTC at reportfraud.ftc.gov. It helps investigators and prevents others from falling victim.9. Stay informedSubscribe to alerts from trusted sources like CyberGuy to stay ahead of new scams targeting seniors and retirees by signing up for my free CyberGuy Report newsletter at CYBERGUY.COM/NEWSLETTER What this means for youIf you’re planning your retirement, you must be extra cautious. Scammers are watching, and they’re armed with your data. Blocking them starts with controlling what’s out there. The less they know, the harder it is to fool you.CLICK HERE TO GET THE FOX NEWS APPKurt’s key takeawaysDon’t assume an offer is real just because it uses your real data. That’s often a sign it’s a scam. Scammers thrive on your personal information. Take control by locking it down, verifying offers and refusing to be rushed into decisions.Should data brokers be required to get your permission before selling your information? Let us know by writing to us at Cyberguy.com/ContactSign up for my FREE CyberGuy ReportGet my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTE Copyright 2025 CyberGuy.com. All rights reserved.