Keeping your personal information safe online

Why protecting your personal information matters

Your personal information is valuable. It includes your name, address, date of birth, Medicare number, tax file number, bank details and passwords. In the wrong hands, this information can be used to access your accounts, steal your identity, or take out loans in your name.

Identity theft can take months or even years to fully resolve. Prevention is far easier than recovery. Building a few safe habits online makes a significant difference to your security.

Passwords, your first line of defence

How to create a strong password

A strong password is long, uses a mix of letters, numbers, and symbols and does not include obvious information like your name, birthday or the word “password.”

A simple approach is to use three random words joined together, such as “BlueRainCoat47!” This kind of passphrase is both strong and easier to remember than a random string of characters.

Each online account should have its own unique password. If one account is compromised, using the same password elsewhere means all your accounts are at risk.

Using a password manager

A password manager is an app that stores all your passwords securely in one place. You only need to remember one master password to access them all. Reputable options include LastPass, 1Password, and the built-in password managers in iPhones and Android devices.

If you are not comfortable using a password manager, keeping a written list of passwords in a secure place at home is better than using the same password everywhere. Just do not store it near your computer or share it with anyone.

Two-factor authentication

Two-factor authentication, sometimes called 2FA, adds an extra layer of security to your accounts. After entering your password, you are sent a code by text message or email that you also need to enter before you can log in.

This means that even if someone knows your password, they cannot access your account without also having your phone. Turn on 2FA for your email, banking and social media accounts wherever possible.

Safe browsing habits

How to spot a secure website

Before entering any personal or financial information on a website, check that the web address starts with “https” rather than just “http.” The “s” stands for secure. You should also see a small padlock icon in the address bar.

If a website does not have these features, do not enter any personal details.

Avoid using public Wi-Fi for sensitive tasks

Public Wi-Fi networks, such as those in cafes, libraries or shopping centres, are not secure. Anyone on the same network can potentially see what you are doing online.

Avoid logging into your bank account or entering personal details when connected to public Wi-Fi. Use your home internet connection or your phone’s mobile data instead.

Be careful what you share on social media

Sharing too much personal information on social media can make you a target. Avoid posting your full date of birth, your home address, details of when you will be away from home or financial information.

Check your privacy settings on platforms like Facebook to make sure only people you know can see your posts and personal details.

Email and text safety

Unexpected emails and text messages are one of the most common ways scammers try to steal personal information. Even if a message looks like it comes from your bank, a government agency or a delivery service, treat it with caution.

• There are a few reliable rules to follow:
• Do not click links in unexpected emails or texts
• Do not open attachments from senders you do not recognise
• Go directly to an organisation’s website by typing the address yourself rather than following a link
• If a message asks for personal details or payment, call the organisation on a number you already know to verify it is genuine

For a deeper look at how these types of scams work, Staying connected and safe in the digital age covers practical steps for staying safe across all your devices.

Keeping your devices secure

Software updates

Software updates often include important security patches that fix known vulnerabilities. When your phone, tablet or computer prompts you to update, do it as soon as you can. Turning on automatic updates is the easiest way to stay current.

Antivirus software

Antivirus software helps protect your computer from malicious programs that can steal your information. Many reputable options are available, including free versions. Ask a trusted family member or friend to help you choose and install one if you are unsure.

Be cautious about remote access

Never give anyone remote access to your computer unless you have contacted a reputable tech company yourself and are confident you know who you are speaking with. Unsolicited calls offering to fix your computer are almost always scams.

Protecting yourself when shopping online

Online shopping is convenient, but it pays to be careful. Only shop from websites you know and trust. Look for the “https” and padlock in the address bar before entering your card details.

Use a credit card rather than a debit card for online purchases where possible. Credit cards offer stronger consumer protections if something goes wrong.

Check your bank and credit card statements regularly for any transactions you do not recognise. If you spot something unusual, contact your bank immediately.

Community support for building digital confidence

Many local libraries and community centres offer free digital literacy programs for older adults. Ask your local council what is available near you.

When to get help

If you think your personal information has been compromised, act quickly:

• Contact your bank immediately if financial details were involved
• Report the incident to Scamwatch at scamwatch.gov.au or call 1800 008 540
• Contact IDCARE on 1800 595 160 if you believe your identity may have been stolen
• Contact Services Australia if your Medicare or Centrelink details were involved

Your personal information is worth protecting, and a few consistent habits go a long way. Whether it is using a stronger password, checking a website is secure before entering your details, or knowing when to pause and ask for help, every step you take makes you safer online. Building these habits takes a little time, but the confidence that comes with them is well worth it.

Frequently asked questions

Q: What is the safest way to create and remember passwords?

Use a passphrase made up of three or more random words, with numbers or symbols added. A password manager app can store all your passwords securely so you only need to remember one. If you prefer, keep a written list in a secure location at home, away from your computer.

Q: How do I know if a website is safe to use for online banking or shopping?

Check that the web address starts with “https” and look for a small padlock icon in the address bar. If either of these is missing, do not enter personal or financial information on that site.

Q: What should I do if I think someone has accessed my accounts?

Change your passwords immediately, starting with your email and banking accounts. Contact your bank if financial accounts are involved. Report the incident to Scamwatch at scamwatch.gov.au or call 1800 008 540, and contact IDCARE on 1800 595 160 if you think your identity may have been stolen.

Q: Is it safe to use public Wi-Fi?

Public Wi-Fi is not secure for sensitive tasks. Avoid logging into your bank account or entering personal details on public Wi-Fi. Use your home internet or your phone’s mobile data instead.

Q: How often should I update my passwords?

Update your passwords if you suspect an account has been compromised, if a service you use reports a data breach, or if you have shared a password with someone. Using unique passwords for each account means that if one is compromised, the others remain safe.