free good or bad

Free – good or bad?

It’s always nice to get something for free. Or is it? There are really some free lunches on the net. But what appears to be free can have a hidden price, which often is paid by other means than money.

Internet did for a long time lack payment models and everything on the net was truly free. This was fine on a net that was an academic tool and playground for enthusiasts. Our Internet of today is totally different, and to a large extent business driven. But the culture of getting stuff for free on the net is deeply rooted. People are used to free stuff, or are hesitant to use payment on the net in fear of fraud. This has created a lot of new business models based on free products and services. Either genuinely free or with a hidden compensation. One of the important skills for today’s cybercitizens is to recognize these business models and understand the hidden risks and compensations. Read on to learn how.

Before you take the bait you should always ask yourself: Why is this thing offered for free? That’s the key questions as the vendor’s motives dictate if the product or service is safe to use. First look for info about who made the product and why. Then try to place it in one of the categories below. Now it will be a lot easier to make an educated guess about how safe it is.

Ad-financed

A very common way to provide free products or services. Ads are showed to you and the vendor gets money from the advertisers. Be careful with ad-ware your children are using. You have no control over the ads and some content may be unsuitable. Otherwise these are mostly legit if you don’t find the ads too annoying.

User profiling

“If you don’t pay for the product, then you ARE the product.” This is taking ad-ware to the next level. Big data companies like Facebook and Google offer their services for free, but create extensive profiles over their users and utilize them for marketing purposes. This is a privacy problem as you have no control over what data they collect and how it is (mis)used. Intelligence agencies are on top of that also eager to tap into your data. If Facebook knows something about you, then NSA knows too. The problem here is that it is very hard to know what price you really pay for the “free” service. You should consider if the privacy risk is worth taking for the value you get in return.

Hobby and ideological

Many create programs and web services for fun. Giving it away and seeing that people really use it is part of the joy. Some may also have ideological motives, like fighting corporate dominance, guarding peoples’ privacy or defeating net espionage. Products in this category are genuinely free and there’s no hidden compensation. The Firefox browser is an excellent example. The Linux operating system is another.

This “business model” is safe for the customer, but the products and services may not always be the safest choice technically. Providing safe software is a tough task and requires constant maintenance. Hobbyists are not always professional enough for this. In this category you will find a wide range of products with technical security ranging from excellent to very poor. It’s also futile to expect good support services in this category, unless the product has a well-working user forum that provides peer-support.

Donation financed, “begware”

This is a variant of the previous class. Some providers of free software ask for donations openly. This is like a product with a voluntary payment. A lot of people will use the product for free, but some will contribute a couple of bucks to cover the vendor’s expenses. Wikipedia is a good example. BTW, have you ever donated to them? I have and I think it’s very well spent money. The value I get in return is far greater.

Taxpayers’ money

Some free services are provided with tax-payers’ money. These are typically OK to use. Quality might vary tough, as the public sector often lacks the culture of customer service and competitiveness.

Upselling or service fees

Many vendors provide a basic product or service for free, and more functionality or capacity for a price. This is a nice way to let customers try it out and decide later if they need the paid version. Sometimes the product is entirely free and the business model is based on selling support services for it. There’s nothing wrong with this business model and the products are usually OK if the vendor is trustworthy.

Bundles

Getting something for “free” when buying something else is a common marketing trick. It’s not really a free product, the pricing scheme is just set up to hide its true cost. A common example is receiving a “free” mobile phone or 4G-dongle when signing up for a 2-year subscription. Hardware prices are declining and many people have a misconception that these bundled items are worth more than they really are.

Pirated content

Some content is offered to you free of charge and with no strings attached, but the distributor lacks the right to distribute it. Distributing stuff without permission is illegal practically everywhere, but your status as receiver is not as clear. Whether it is a crime to download the stuff depends on your country’s legislation. Also remember that the common peer-to-peer sharing networks, like BitTorrent, both download and share at once. It’s also common to distribute malware masqueraded as pirated software. The safest way is to look for the content’s original vendor or distribution point, and download it from there. Then you will learn if it really is free, and lose the malware as an extra bonus.

Scams and malware

Malware and scams are often masqueraded as free offerings. Be extremely careful if you are tempted to sign up for anything that sends you “free” information as text messages. Your mobile phone number is a payment method and scammers can charge you for bogus messages sent to your mobile. It can be next to impossible to get them cleaned off the bill. What you think is a handy utility program may also turn out to be malicious software. If you can’t figure out why the tool is free, the real reason may be to plant malware in your computer or mobile device.

Let’s finish with a checklist for people considering using a free service or product:

  1. Find out who made it. Check if the vendor declares openly why the product is free.
  2. Check if the vendor offers paid alternatives to the free version and how they differ.
  3. Try to figure out what category the free offering belongs to.
  4. Is the vendor trustworthy? You shouldn’t use software from untrusted sources even if it’s free.
  5. Finally consider if the free offering really is what you want. Sometimes it’s a great alternative to expensive products, sometimes you pay a high hidden price just to save a couple of bucks. And sometimes the free alternatives just aren’t up to the task and you would be better off with a professionally made product. Consider if it really is smart to save a couple of dollars and insert potentially unreliable code in the system with all your irreplaceable content?
  6. If you still are uncertain, search for user opinions on the net. The true free gems, like Firefox and Linux, have huge user bases and you can find a lot of info about them. Be careful if you have problems finding independent opinions about a free product you consider.

Safe surfing,
Micke

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ransomware gangs, cybercrime unicorn

Could Criminals Make A Billion Dollars With Ransomware?

Bitcoin has not only changed the economics of cybercrime by providing crooks with an encrypted, nearly anonymous payment system autonomous from any central bank. It's also changed researchers' ability to track how much money criminals are making. "Bitcoin is based on Blockchain, and Blockchain is a public ledger of transactions. So all Bitcoin transactions are public," explains Mikko Hyppönen, F-Secure's Chief Research Officer. "Now, you don’t know who is who. But we can see money moving around, and we can see the amounts." Every victim of Ransomware -- malware that encrypts files and demands a payment for their release -- is given a unique wallet to transfer money into. Once paid, some ransomware gangs move the bitcoins to a central wallet. "We've been monitoring some of those wallets," Mikko says. "And we see Bitcoins worth millions and millions. We see a lot of money." Watching crooks rake in so much money, tax-free, got him thinking: "I began to wonder if there are in fact cybercrime unicorns." A cybercrime unicorn? (View this as a PDF) A tech unicorn is a privately held tech company valued at more than a billion dollars. Think Uber, AirBNB or Spotify -- only without the investors, the overhead and oversight. (Though the scam is so profitable that some gangs actually have customer service operations that could rival a small startup.) "Can we use this comparison model to cybercrime gangs?" Mikko asks. "We probably can’t." It's simply too hard to cash out. Investors in Uber have people literally begging to buy their stakes in the company. Ransomware gangs, however, have to continually imagine ways to turn their Bitcoin into currency. "They buy prepaid cards and then they sell these cards on Ebay and Craigslist," he says. "A lot of those gangs also use online casinos to launder the money." But even that's not so easy, even if the goal is to sit down at a online table and attempt to lose all your money to another member of your gang. "If you lose large amounts of money you will get banned. So the gangs started using bots that played realistically and still lose – but not as obviously." Law enforcement is well aware of extremely alluring economics of this threat. In 2015, the FBI’s Internet Crime Complaint Center received "2,453 complaints identified as Ransomware with losses of over $1.6 million." In 2016, hardly has a month gone by without a high-profile case like Hollywood Presbyterian Medical Center paying 40 Bitcoin, about $17,000 USD at the time, to recover its files. And these are just the cases we're hearing about. The scam is so effective that it seemed that the FBI was recommending that victims actually pay the ransom. But it turned out their answer was actually more nuanced. "The official answer is the FBI does not advise on whether or not people should pay," Sean Sullivan, F-Secure Security Advisor, writes. "But if victims haven’t taken precautions… then paying is the only remaining alternative to recover files." What sort of precautions? For Mikko, the answer obvious. "Backups. If you get hit you restore yesterday’s backup and carry on working. It could be more cumbersome if it’s not just one workstation, if your whole network gets hit. But of course you should always have good, up to date, offline backups. And 'offline' is the key!" What's also obvious is that too few people are prepared when Ransomware hits. Barring any disruptions to the Bitcoin market, F-Secure Labs predicts this threat will likely persist, with even more targeted efforts designed to elicit even greater sums.  If you end up in an unfortunate situation when your files are held hostage, remember that you're dealing with someone who thinks of cybercrime as a business. So you can always try to negotiate. What else do you have to lose?

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BY 
Father lecturing son in bedroom

F2P can cost parents thousands of Euros – read this to avoid it

This is really an old problem, but it’s in the headlines again. Pokémon Go is yet another example of a “free” game with a business model based on in-app purchases. These games are also known as F2P, standing for free-to-play. You can start playing, and get hooked, for free. But soon you run into a situation where you can’t proceed without buying virtual stuff in the game. The stuff you buy is virtual but the payment is very real money. This is no doubt a profitable model. Pokémon Go went straight to the top and for example Finland-based Supercell, maker of Clash of Clans, has constantly reported nice profits. This can naturally cause trouble for addicted adults, but the real problems arise when kids get hooked. There are numerous public stories about kids making purchases for hundreds or even thousands of Euros, often without even understanding how much they have spent. And the sinister part is that this can go on for a while until you get the credit card bill, and it’s too late. Your chances to get a refund are somewhere between slim and none. But how can this happen? Let’s take a look at the most common scenarios. Your kid has set up the new device and created the needed account with Apple or Google. Everything is fine until he or she needs an app that isn’t free. You enter your credit card on the kid’s device and make the purchase, but you don’t pay any attention to the security settings. This may give your kid carte blanche to buy anything he or she likes, and you pay the bill. You have entered your credit card but set up the kid’s store account so that a password only you know is required for every purchase. But there are some convenient settings that allow purchases without a password within a limited time window after the password has been entered. Kids learn very quickly to utilize this opportunity. Let’s assume the same setup as in the previous point, but with the correct security settings. Now the password is needed for every purchase. But the store account is still owned by the kid and the password can be reset. The password reset link will be sent to the kid’s mail or phone number. It’s carte blanche again with the new password. Ok, you create an account you own for the kids phone. It’s tied to your mail and phone number, so the password reset trick shouldn’t work anymore. You put down your phone and head for the toilet. Your kid has been waiting for the opportunity and initiates the password reset request. Your phone is there on the table wide open, with the reset link in the mail. You can figure out the rest yourself. And of course the simple alternative. You think the store password on your kid’s device is secret. But in reality it is either too easy to guess or someone has been looking over your shoulder. So there’s many things that can go wrong, but what can we do to avoid it? There are many ways to fight this problem, but this is in my opinion the best approach: Let the kid set up the store account on the device and set own passwords. Just like an adult would use a phone, except that there’s no payment method registered. Never enter your credit card number on the kid’s device. On Android, get familiar with Google Play Family. This feature enables you to purchase stuff for your kid on your own device. On iPhone, send apps or money as gifts. There may be applications that bypass the store and handle credit card transactions directly. This can typically be handled with vouchers or other prepaid payment methods instead. The application usually guides the users and list all supported methods. Let’s also take a look at the hard way. Follow these instructions if you for some reasons must have your credit card registered as a payment method on the kid’s device. Make sure the store is protected with a good password that only you know. Make sure the kid isn’t watching too closely when you enter it. Make sure the store is set up to require the password every time a purchase is made. Make sure the store account is attached to an e-mail only you have access to. Make sure the e-mail password is decent and not known to your kid. Make sure your phone’s security settings are decent. Use a PIN or password your kid doesn’t know and make sure it locks automatically quickly enough. Even better, do not have the e-mail of your kids store account on your phone. Access it through web mail when needed. So this is after all a quite complex issue. There are many variations and other ways to deal with the problem. Did I miss some simple and clever way? Write a comment if you think I did. And finally. Yes, there’s also many ways to lock the kids out of the store completely. This does no doubt solve some problems, but I don’t think it’s a good idea. They will after all live their lives in a world where digital devices and services are as natural as breathing. They deserve the opportunity to start practicing for that right now. Let them browse the store and discover all the fun stuff. And be part of the group and use all the same apps as their friends. Let them have fun with the phone and learn, even if they will learn some things the hard way. Don’t ruin it for them.     Safe surfing, Micke  

August 16, 2016
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Check your router with F-Secure Router Checker

QUICK TIP: Make sure your internet connection is clean

This has got to be the quickest Quick Tip of all. Literally. With just one click, it's too easy not to do. You know your computer can be infected. But did you know your router can, too? And because most people just aren't aware of it, if your router is compromised, it could stay that way a long time without you ever knowing. Unless, of course, you use our free Router Checker. No need to download anything. Just visit the page and click to start the check. Hacking your router is just one more method attackers use to display fraudulent advertising, spread malware, or steal your private account credentials. It's called DNS hijacking. When you type in a website name, say "cooldomain.com," you're directed to a DNS server that will find the website's IP address - say "44.567.54.69" for example, and display the website you need. But in a DNS hijack, hackers change your router's settings to direct you to a rogue DNS server. The rogue server will give a malicious IP address, purposely directing you to a website that may look like the one you want, but it's not. Here's an example: Let's say you want to log into your bank account. But unbeknownst to you, you're directed to a look-alike website that's not really your bank. You enter in your bank username and password. Now the attacker has your credentials, which he (or she) can use. F-Secure Router Checker makes sure the settings on your computers, phones, and routers connect to safe DNS servers. So what are you waiting for? Visit the F-Secure Router Checker page and click on "Check Your Router." It's too easy not to do.

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