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Guidance and tips for high-net-worth individuals, executives and their families to stay safe online.
On August 4, 2026, the claims process opened for a $8.7 million settlement of a class action against the Government of Canada.
This covered people whose personal or financial information in a Government of Canada online account, including the Canada Revenue Agency portal, was accessed without authorization in 2020.
KPMG is the court appointed administrator, and eligible class members can submit claims online or by mail until February 3, 2027.
The settlement is legitimate, but the publicity around it is exactly the conditions fraudsters look for:
That combination gives criminals a credible pretext to build convincing fake eligibility checkers and claim portals, and to harvest identity data and account credentials at scale.
A wave of phishing email, SMS, social media advertising, sponsored search results, and voice calls impersonating KPMG, the CRA, the Federal Court, and class counsel, beginning within days of the news coverage and continuing through the February 2027 claim deadline.
https://www.breachsettlementcanada.kpmg.ca (English and French). This is the court appointed administrator's website.
breachsettlementcanada@kpmg.ca
Anything arriving by unsolicited text, direct message, or phone call that pushes you toward a different address, a shortened link, or an app download should be treated as fraudulent until proven otherwise.
The following mock ups were produced by Richter Guardian for training purposes.
These are not real messages and the addresses and links shown are illustrative only.
Share them with your household, your office staff, and anyone who manages correspondence on your behalf.
Legitimate class action notice arrives by mail or from the administrator's own address.
Criminals also buy sponsored search advertisements so these pages appear above the real one.
Reach the administrator by typing the address directly - https://www.breachsettlementcanada.kpmg.ca - rather than by clicking any advertisement or search result.
The administrator contacts class members by mail or from its own domain. It will not cold call, text, or direct message you.
Real compensation is up to $80 or up to $200 for time spent, plus up to $5,000 in documented out of pocket costs, and amounts may be reduced depending on how many claims are approved. Nobody can promise you $5,000.
The real deadline is February 3, 2027. Any message giving you 24 hours, 48 hours, or "this week" is manufacturing pressure.
The genuine eligibility check asks for a last name, the last three digits of your SIN, and an email address. A request for the full SIN, date of birth, ID scans, or CRA credentials is a data harvest.
Filing a claim is free. A processing, verification, or expedite fee means fraud.
A one time passcode read aloud, forwarded, or typed into a third party site hands over your account.
Check the address carefully. The genuine site is https://www.breachsettlementcanada.kpmg.ca.
Anything ending in .info, .net, .co, .ca-claims, or a hyphenated variant of the KPMG name is not it.
Requests to move funds, buy gift cards, or receive a payout through e-transfer to a new recipient are not part of any settlement.
Reach the eligibility check only by typing https://www.breachsettlementcanada.kpmg.ca into the web browser. Do not use links from email, text, social media, or search advertisements.
If someone claims to be the administrator, hang up and contact breachsettlementcanada@kpmg.ca from the details on the official site.
Never provide a full Social Insurance Number to an inbound contact.
Sign in to CRA My Account by typing the address, confirm your direct deposit details and mailing address have not been changed, and enable multi factor authentication if it is not already on.
If you believe your information was exposed, place a fraud alert with Equifax Canada and TransUnion Canada.
Forward or print this email to anyone who handles correspondence, banking, or tax filings on a principal's behalf.
Any instruction arising from a settlement, refund, or government notice must be verified by an out of band call to a known number before any data or funds move.
Ask your IT provider to monitor for newly registered domains that combine your family or firm name with settlement, claim, refund, or CRA terms.
Quarantine newly registered sender domains and flag external mail referencing CRA settlements or class action payouts.
Report suspected scams to the Canadian Anti-Fraud Centre at 1-888-495-8501 and preserve the original message headers rather than deleting them.
Change the password on any account whose credentials were entered, starting with CRA My Account and your email, and revoke active sessions.
If CRA credentials were disclosed, contact the CRA immediately and ask that the account be locked and reviewed for changes to direct deposit or address.
Report the exposure and ask for enhanced verification on outbound payments.
Contact Equifax Canada and TransUnion Canada.
Speak to your Richter Guardian team. We can help contain the incident, assess what was exposed, and coordinate monitoring.
Request a private consultation to find out whether Richter Guardian is a good fit for you.
Real estate wire fraud is a scam where criminals impersonate trusted parties to redirect money during a property transaction.
These transactions often involve large wire transfers, and time-sensitive communication between buyers, sellers, lawyers, real estate agents, title companies, notaries, and financial institutions.
Together, these factors make real estate transactions a prime target for fraud.
For high-net-worth individuals, and executives, the risks can be especially significant.
Property purchases and sales may involve large sums of money, multiple advisors, and sensitive personal or financial information. A single fraudulent email or payment can lead to substantial financial loss.
The most important rule is simple: before sending money, always verify wire instructions by phone using a trusted number you already have, not one provided in an email.
Real estate transactions remain a major target for fraud. In 2025, the FBI’s Internet Crime Complaint Center reported more than 12,000 real estate fraud complaints and over $275 million in reported losses. This was higher than 2024, when losses were about $173 million.
These losses show how common and damaging real estate fraud can be. In many cases, the victim believes they are sending funds to a legitimate party, only to discover that the money was redirected to a fraudulent account.
Attackers often begin by gaining access to an email account involved in the transaction or by impersonating one of the parties. They may silently monitor the conversation and wait for the right moment to intervene.
Once attackers understand the details of the deal, they send a convincing email with fraudulent bank details that redirect the money to the attacker. Attackers may impersonate any party involved in the transaction, such as a real estate agent, lawyer, title company representative, or even the buyer or seller themselves.
Because the attacker may know specifics like dollar amounts, property addresses, and names of people involved, the message can look legitimate, making the email extremely convincing.
The most effective protection is independent verification. Before sending any wire transfer, call the intended recipient using a trusted phone number that was provided in person, saved previously, or found through an independently verified source.
Do not rely on contact information included in an email containing wire instructions. If an attacker controls the email conversation, they may also provide a fake phone number to “confirm” the fraudulent details.
This is especially important as AI voice cloning becomes more convincing. A phone call is only useful if the number is trusted. When in doubt, use a number you already know or independently verify the number through an official website or previously established contact.
The same approach should be used for any high-value payment, account change, or request involving sensitive financial information.
Be cautious of:
- Last-minute changes to wire instructions
- Pressure to wire immediately
- Email addresses that look slightly off, such as ‘titlecompany.co’ instead of ‘titlecompany.com’
- Request to confirm payment details only via email
- Unusual urgency, secrecy, or changes in communication style
- New bank account details that were not previously discussed
However, a well-crafted attack may not include any obvious warning signs. Rather than trying to decide whether an email “looks suspicious”, treat all wire instructions as unverified until they are confirmed by phone using a trusted number.
Before sending funds, take these steps:
1. Confirm the wire instructions by phone using a known, trusted number.
2. Verify the recipient's name, bank name, account number, routing number, and payment amount.
3. Do not use phone numbers or links provided in the same email as the wire instructions.
4. Be especially cautious about last-minute changes.
5. If anything feels unusual, pause the transaction and contact your advisor, bank, or security team.
Richter Guardian can help reduce the risk of wire fraud through proactive monitoring, personal cybersecurity guidance, and expert support to secure accounts, devices, credentials, and identity-related information.
If you are unsure about a transaction, receive suspicious payment instructions, or want added protection before a high-value transfer, contact us.
Request a private consultation to find out whether Richter Guardian is a good fit for you.
Cyber criminals have been carrying out technical support scams for over a decade. As technology evolves, so do the techniques of fraudulent tech support scammers, making it difficult for people to discern whether the technical support team they’re speaking to is legitimate. Technical support scams are so common that the FBI’s Internet Crime Report of 2022 reported that ‘Tech Support Crime’ had over 30,000 recorded victims in 2022.
Technical support scammers use many different techniques to trap people and gain access to their computers and other devices. After they convince you that there is a problem, they request an exorbitant fee in return for their help. Here are two of the most common methods technical support scammers use to trick their victims:
We understand that misleading pop-ups or warnings about your device through a call can cause uncertainty. Richter Guardian’s monitoring system and concierge service can give you peace of mind.
Your onboarded mobile and endpoint devices can be monitored by us. If there is a problem with your device, we will contact you to provide specific details about any potential alerts. Our experts can help you remediate the issue.
Request a private consultation to find out whether Richter Guardian is a good fit for you.
It’s natural to want to capture the moments from your special vacations and share them on platforms like Facebook and Instagram with family and friends. However, posting these photos while you are still on your trip can expose you to various cybersecurity risks. Cybercriminals often exploit social media to gather information about your travel plans, and by sharing your vacation in real time, you may unknowingly make yourself a target.
By following these precautions, you can enjoy your vacation while minimizing the risks associated with social media sharing:
Request a private consultation to find out whether Richter Guardian is a good fit for you.
Of the many digital traces we leave in daily life, location metadata may be the most revealing. Location tracking is common in many applications because it’s so useful – it can allow you to get directions from here to there, discover the closest restaurants near you, or tell you your local weather conditions. These perks, however, can come with large privacy risks.
Companies that you would never suspect needing so much of your data, are quietly collecting enormous amounts of data. For example, in 2020, an investigation was done on Tim Hortons, as the Tim Hortons app reportedly tracked an individual’s location more than 2,700 times in five months. Commissioners say Tim Hortons collected “vast amounts” of granular location data with the aim of delivering targeted advertising, to better promote its coffee and associated products, but that it never actually used the data for this purpose.
Some of the apps on our phone sell or share location data about their users with companies that analyze the data and sell their insights. There are many ways location data can be used, and the market for this data is huge – the location data industry is an estimated $12 billion market. Collectors, aggregators, marketplaces, and location intelligence firms are potential buyers interested in your location data.
Some apps genuinely need your location to work properly, but others have different motives. Many collect location data for reasons unrelated to their main function, like targeted ads or selling it to data brokers.
Once an app collects your location data, you lose control over where it goes. It can be sold repeatedly—from data providers to aggregators that combine information from multiple sources. It could end up in the hands of a “location intelligence” firm that uses the raw data to analyze foot traffic for retail shopping areas and the demographics associated with its visitors.
You might think, “I have nothing to hide.” But location data can reveal much more than you realize, such as:
Even though this data isn’t directly linked to your name, experts have shown that it’s easy to match location history with other data to identify people and their habits. In 2020, a religious publication used smartphone app data to infer the sexual orientation of a high-ranking Roman Catholic official. The publication claimed it obtained “commercially available” location data from an unnamed vendor and linked it to the priest’s phone, revealing visits to gay bars and private residences while using Grindr, a dating app popular with the LGBTQ+ community.
Privacy advocates have long cautioned that advertisers gather location and personal data, which is then compiled and sold by data brokers. This information can be used to identify individuals and is not subject to regulations requiring clear consent from those being tracked.
The quickest and easiest way to reduce tracking is to delete unnecessary apps. Both Android and Apple allow you to check which apps have access to your location and whether they track it only while in use or all the time. If you don’t use an app often, consider removing it.
Your location can be tracked through your phone, logged-in accounts, internet connection, and location services. To limit oversharing, take these steps:
Despite these precautions, location tracking can’t be completely eliminated. It’s important to support companies that provide clear and transparent privacy policies.
Request a private consultation to find out whether Richter Guardian is a good fit for you.
A quick-response code (QR) is a type of barcode designed to store information in a way that digital devices can quickly read. Most modern smartphones come equipped with QR scanners, often integrated into the camera application, making scanning QR codes a breeze. The barcode is extremely versatile – it can be used as a shortcut to download applications, connect to wi-fi networks, open website links, and facilitate financial transactions. While QR codes serve many useful purposes, scammers have also found ways to exploit them.
According to reports from the Better Business Bureau (BBB) and police departments across the country, scammers are using QR codes to trick people into visiting fake websites, fraudulent payment portals, or downloading harmful software. Often, these scams come through unsolicited messages or from QR codes posted in public places.
Hackers can manipulate QR codes to conduct malicious activities. Here are a few examples:
By staying alert and verifying sources, you can protect yourself from falling victim to QR code scams. We recommend the following tips to avoid QR code scams:
Request a private consultation to find out whether Richter Guardian is a good fit for you.
AI-powered tools are now integrated into various platforms, from office software and operating systems to image editors and chat applications. But how can you use ChatGPT, Gemini, DeepSeek, and other AI-powered tools without compromising your digital security?
OpenAI’s privacy policy indicates that user data may be utilized to enhance AI performance. When using services like ChatGPT, Sora, or Operator, your interactions could be used to train AI models.
According to a study done by Harmonic Security, 8.5% of prompts contained sensitive information.
Never input sensitive personal information such as passwords, passport or banking details, addresses, phone numbers, names, or any confidential business data. If necessary, replace sensitive details with placeholders like asterisks or “REDACTED.”
For professionals, especially software engineers leveraging AI for code review, it’s crucial to strip out any information that could reveal company secrets and/or application structure.
Everything shared with an AI chatbot has the potential to be stored and analyzed.
Many free-tier AI tools explicitly state that they train on user data. Organizations using AI should consider investing in paid AI services like ChatGPT Enterprise, which ensures that user inputs and outputs are not utilized for training purposes.
Experts recommend paid plans as a more secure option for businesses looking to mitigate risks.
For businesses looking to integrate generative AI tools while minimizing security risks, Harmonic Security suggests shifting away from outright bans and instead implementing effective AI governance strategies. These include:
Request a private consultation to find out whether Richter Guardian is a good fit for you.
Important family, financial, and legal information is increasingly stored across devices and online accounts, making a reliable backup plan an important part of protecting it.
For many families, these types of files now exist across different devices and services, so it helps to know where those files are stored, how they can be recovered, and what their risks are.
For high-net-worth individuals, families, and executives, backups are especially important because the information they rely on is often highly valuable, private, and difficult to replace. A lost device, ransomware attack, cloud account issue, or hardware failure can quickly disrupt personal, financial, or business matters.
Having a reliable backup plan helps ensure important files remain accessible, protected, and recoverable when something goes wrong.
Data can be lost in several ways, including lost or stolen devices, ransomware, or everyday backup failures such as cloud service outages, file corruption, or hardware failure.
If a device is lost, stolen, or destroyed, any files stored only on that device may be permanently lost. The best protection is to keep a backup in another place, such as a cloud account or an external hard drive.
Ransomware is another serious risk. This type of attack locks your files and demands payment to restore access. An offline backup, such as an external hard drive, protects your files since attackers cannot access it.
Backups can also fail for everyday reasons. Automatic backup settings may be turned off, an important folder missed, files become corrupted, or a cloud service may be temporarily unavailable. A helpful rule of thumb is to keep three copies of important data: one on your device, one in the cloud, and one on an external hard drive.
Cloud storage saves your data online through a service such as Google Drive, Apple iCloud, or Microsoft OneDrive. You can access files from any device with an internet connection, and many cloud services can back up your files automatically.
Since cloud backups can sync unwanted changes, including ransomware-encrypted files, cloud backup should be paired with an offline backup that is disconnected when not in use.
An external hard drive provides an extra layer of protection if something goes wrong with your device or cloud account.
To use an external hard drive, connect it to your computer, copy your important files, and disconnect it once the backup is complete.
For added safety, store the drive in a secure location away from your main devices. A safety deposit box or personal safe is the most secure option.
If you’re a Richter Guardian client and have questions about securing your backup accounts, multi-factor authentication, protecting your devices from ransomware, or improving your overall device backup strategy, please contact our team.
Request a private consultation to find out whether Richter Guardian is a good fit for you.
If something you’ve read raises a concern, our team can help you understand how it applies to you. Richter Guardian provides ongoing monitoring and expert support for individuals, families, and leadership teams.
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