We use a variety of controls to detect and prevent unauthorized access to our network and sensitive information. Our cybersecurity response program fulfills the requirements of federal and state laws and includes appropriate notifications to investors and advisors when warranted.
Our security program also features safeguards for your account. To help keep your information safe, we:
Security is a joint effort. Here are some steps you can take to help protect your sensitive information.
1. Contact us
Contact us immediately in the event of fraudulent activity. We’ll take the appropriate steps to monitor your American Funds accounts.
2. Contact a consumer credit company
We recommend that you place a fraud alert on your accounts by contacting one of the following three consumer credit companies:
Please note: You only need to inform one consumer credit company since it’s required by law that they share your fraud alert request with the other two.
3. Review your credit report
Once you’ve requested a fraud alert, you’re entitled to free copies of your credit report. Review them for suspicious activity and inaccuracies. If you find unauthorized accounts or charges, take the appropriate steps to get them corrected.
We’ll never ask for your account information, including your password, via email. If you suspect that you’ve received a fraudulent email, please forward it to us at email@example.com. Do not click on any links in the email.
If you’re uncomfortable forwarding suspicious email, you may also call us. Please be sure to write down the title of the email you received, along with the sender’s name or address and the file names of any attachments.
Phishing is the most widely known form of fraud. It typically involves someone sending an email that appears to be legitimate from a reputable source. It may contain real information, including a company logo and branding, or even personal information gleaned from your social networking site. These emails then urge you to take action — e.g., click on a link, open an attachment or respond to a message.
There are two primary types of phishing: broad phishing, where the attacker casts a wide net and hopes to “hook” one or more victims, and spear phishing, where the attacker carefully researches their victims using publicly available information in order to make the message appear more legitimate.
Phishing attempts typically:
Phishing attacks may also occur over the phone.
Malware includes spyware, viruses and other types of malicious software that are installed on your computer, smartphone and other devices without your authorization. Malware typically collects information about you — the passwords you use, the websites you visit — simply by watching you type or surf the Web. Malware may also take over your computer for nefarious purposes such as sending email you didn’t write or spreading computer viruses.
Malware is typically installed through:
Computers with malware may:
If you suspect your computer has been infected with malware, take the necessary steps to remove the unwanted software from your computer.
Identity theft involves the impersonation of an individual through the fraudulent use of his or her personal and account information — e.g., driver’s license, Social Security number, bank account and other numbers, as well as usernames and passwords.
Identity thieves obtain information in a number of ways:
More information on identify theft and protecting your identity can be found at these websites:
Learn more about fraud and how you can spot it at OnGuardOnline.gov.
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.