Dangers of the Dark Web

Surface, Deep and Dark Web Explained

You have probably heard people talk about the mysterious “Dark Web” where criminals gather to commit fraudulent acts that result in financial fraud, identity theft and more. But most people don’t really understand what the Dark Web is or how it works. Let’s start with a few facts about the Internet itself.

The Internet, sometimes called the “Web,” is a worldwide system of computer networks woven together into a “network of networks” in which users at any one computer can, if they have permission, get information from any other computer (and sometimes talk directly to users at other computers). What most people don’t know is that the internet is actually made up of multiple layers, commonly referred to as the Surface Web, the Deep Web and the Dark Web. These layers are defined by who is using the Internet and how these individuals gain and share access with others. It’s important to understand why these areas of the Web exist and why protecting your personal data is so critical.

Dark WebThe Surface Web

This is the part of the Web where we all play and interact. Think of all the information you can search and find – all social media, all websites available to you — and this is the Surface Web. The shocking thing about the Surface Web is that it makes up only about 1% of the information contained on the internet. What defines the Surface Web is the ability for information to be found (indexed) by search engines such as Google, Bing, and Yahoo so it can easily be made available to users. If you were to picture an iceberg, the surface web would be the tiny part that appears above water; easily visible but misleading because there is a much larger, more dangerous portion hidden from sight underneath the surface.

The Deep Web

The remainder of the Internet that is below the surface of this imaginary iceberg is called the Deep Web. Quite simply this area of the Internet is made up of information that cannot be indexed by search engines and often requires a username and password to access. When you login to your online banking, make purchases with stored payment information, or access your company’s intranet, you are interacting on the deep web.

The Dark Web

The Dark Web is a subset that makes up about 5% of the Deep Web. It is a place where criminals and law enforcement work anonymously, to quite different ends. The Dark Web is only accessible through a specific search engine, and the main difference is that computers using this search engine are disguised and users can interact without risk of being identified or exposed. Imagine a place where criminals can correspond without compromising themselves or their sources, and terrorists can plot with one another without revealing their location? It is also a place where cultural and political dissidents can get information that their home country might be suppressing. This is the Dark Web, full of good and bad things. The Dark Web is an unregulated environment. It is here that hackers and cyberthieves buy and sell your personal information that may have been obtained in a data breach or by other means. Stolen credit and debit cards, Social Security numbers, account numbers and login credentials are sold in large blocks to criminal merchants. These Dark Web merchants then package the information and offer it for sale, complete with shopping cart and payment options, to criminals around the world who will use the information to commit fraud.

What to Do if Your Personal Information is at Risk

Fortunately, if you are a SESLOC HomeFREE Checking™ account holder you are already eligible for nxg|PROTECT with professional Identity Theft Recovery Services. If you feel you may be a victim of identity theft you can call an Identity Recovery Advocate who can help you understand if additional actions need to be taken or if your Advocate needs to perform steps on your behalf to help you regain control of your identity. You can learn more about your nxg|PROTECT benefits by visiting our website.

  • Change your passwords —this should be a regular practice but it is immediately needed if you have received a Dark Web Monitoring alert or you have received a data breach notice that your email address and/or your website login information (username and password) for a particular website may have been compromised in a data breach.  Also remember if you have used that same combination of username and password on any other websites or logins you should change those as well.
  • Monitor your banking transactions, credit report, and postal mail — looking at your banking transactions regularly can help prevent fraudulent transactions from getting out of hand.  If you spot a suspicious transaction we can help you take immediate action to prevent further damage to your bank account or credit card balance. However, remember that criminals may open new credit or bank accounts in your name at an unknown credit issuer or financial institution. Review your credit report at least quarterly and watch for suspicious mail that might indicates this type of activity.

Prepared by NXG|Strategies, Copyright 2020.

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