It disguises itself as a legitimate website or web address. Once you click on it, it will require you to fill out various personal or financial information, then records all these information. It usually comes as a part of supicious e-mails and phony banking or shopping sites that ask you to register and give pertinent information, like your account and PIN numbers. Watch out for this online theft, known as Spyware! Spyware, commonly known as adaware, keyloggers or Trojans, is embedded on a webpage, e-mail, spam mail or attachments. When you open the infected item, this software is secretly installed onto your computer. Spyware may be capable of capturing your keystrokes as you enter your personal or account information online. How to Protect Yourself from Spyware Update your PC's anti-virus protection regularly. Install a spyware scanner software to detect and eliminate spyware. Avoid downloading programs that allow your PC to share files on the Internet. Delete suspicious e-mails without opening them. Don't open suspicious attachments even if they seem to come from someone you know. Install a personal firewall, especially if you use a broadband connection at home. Be wary of clicking on a hyperlink embedded in an e-mail. Instead, manually type the website's advertised web address into the web address line of your browser. The authentic URL for Citibank Online is www.citibank.com.ph.