Quote:
Originally Posted by amatrine
Rule number 12 on neteller website: 12.2 It is your responsibility to keep your Account identification, secure identification, password, security questions and answers and other information specific to your Account confidential and in a safe and secure place. This includes ensuring the ongoing security of your log-in details on your personal computer device for accessing the Internet. Should another person gain access to your Account by passing all identification and security validation and verification checks, we are entitled to treat any transaction conducted by that person as valid and are not responsible under any circumstances for any loss or damage you may incur as a result.
This is what they enforced with me, and said I was liable. Never read the small print ,,, my bad...
Ama
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Ah, but it seems it is Neteller that has suffered the loss, not you, so they should not be pursuing you for more money on top of what you have already lost.
This is a joke considering how bug prone their own fund transfer processes are. if the details are compromised from Neteller, rather than the user's PC, this clause does not count. If challenged in the UK courts, it could be struck out as unfair as it places an impossibly one-sided burden on the consumer, who is considered to be a "user" of a product (as opposed to a tech savvy industry designer). To win such a case, you would have to show that you followed advice on how to keep the information secure, and since you mention finding a trojan in a "virus vault", it seems you are taking steps to secure your PC from attack.
Current threats are so sophisticated that even the Pentagon is not secure, so how can Neteller expect all users PC's to be 100% secure. They would be better off providing users with account management tools that would enable them to create their own security trips based on what they know as their activity.
If a user never uses other currencies, for example, they could set a trip that instantly locks the account is a transaction in another currency is attempted. Seems that at present thieves can just keep trying again and again, because Neteller assume it must be the proper user, even though the attempted transactions are so out of character that they are constantly failing.
There is an increasing mistrust of online financial services, BECAUSE of the very technical nature of many of these frauds, and the need for a university degree to even understand what has been done to you, let alone stop it happening again. It is amazing what one can learn about computers if determined, it was even more true in the early days (Eighties), but hacks then involved computer games, and getting the computer to do things it should not really be capable off. The internet has changed this, there is big money available, and in some cases it is easily stolen or scammed from the original owners.
By far, the majority of banking information in the hands of criminals is stolen directly from the banks' own customer service centres, where vast quantities of data are available in one place. Once this security has been compromised, data can be stolen at will till enough gets out that customers complain. There is no guarantee that some data is not stolen from Neteller HQ or service centre, where details of the customer's usual access IP and PC are stored (I know, my Neteller was locked by a security trip when I logged on through Tiscali instead of NTL from a new PC based at my Mum's house) Spoofing the proper IP, or hijacking the PC via Trojan gets past this particular trip, and it seems this is the only safeguard in this case, as nothing else tripped.