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When sending emails to multiple recipients, list their addresses in the BCC blind copy box instead of in the To box.In this way, no recipient will see the names of the others, and if their addresses fall into the wrong hands there will be less chance of you or anybody else receiving phishing or spam emails.Similarly, delete all addresses of previous parties in the email string, before forwarding or replying.If you are suspicious of an email, you can check if it is on a list of known spam and scam emails that some internet security vendors such as Mc.Afee and Symantec feature on their websites.Most Microsoft and other email clients come with spam filtering as standard.Ensure yours is switched on.Most spam and junk filters can be set to allow email to be received from trusted sources, and blocked from untrusted sources.When choosing a webmail account such as gmail, Hotmail and Yahoo Mail, make sure you select one that includes spam filtering and that it remains switched on.Most internet security packages include spam blocking.Ensure that yours is up to date and has this feature switched on.If youve experienced cybercrime, you can contact the charity Victim Support for free and confidential support and information.Good Bye, Microsoft Money Powerful Personal Finance ProgramsSteve I absolutely worry about that, and Im glad you do to being cautious of a site that you are trusting with your financial information is always, always a good idea.We want consumers are to be intelligent in the world and to understand the risks and rewards, so we try to be as clear about them as we possibly can.Here are a few things to think about Im summarizing from a variety of responses Ive written over time about this issue, so apologies if youve read this from me elsewhere For one, and I think this is big you can actually call us.We pick up the phone, we talk back, well answer questions and address security concerns.We even welcome visitors in the office, if they are in NYC you can come check on the people that accepted your sign in data and well usually buy you lunch, if someone is free.Id love to see other companies make the same commitment and even banks, for that matter.Another difference unlike many of the startups that, as you point out, may go away, were owned by a major company.We were purchased by Lending.Tree in February, which gives us the stability and resources to be a proactive force on the consumers.Were actively out there in the world, talking about bank and data security, and what people can and should do to keep themselves safe.We consider increasing financial literacy which includes security discussions part of what personal finances need to do to help the public and serve their members heck, weve even submitted stuff to Congress to try to get them to back financial education on a federal level.Unlike some others, we also ask for your name and phone number.Why Because in the event of a data emergency, we want to be able to contact you immediately, verify your identity, and get to work dealing with the problem.Anonymity is a double edged sword less for hackers for steal, but less ability to actually help you with security issues.These combined serve to reinforce one of your points if you are going to work with a personal finance site, you want one that is actually interested in your welfare and will help you with any issues that you have.We are not a churn and burn shop and we were founded to help people.A few notes that apply to the way Thrive handles your data I cant speak to others systems Im sure you could write them and they might answer.The way I like to explain the one way security tunnel is as a multi step process.When you first login, we take your sign up credentials and they are sent to your bank, to create the secure tunnel.We DO NOT store the logins on our server after the secure tunnel is created, it simple sits as a one way tunnel for information.Banks can push information to us, and we cannot push it back.If you change your login credentials, your bank breaks the tunnel and lets us know we then request updated credentials for you.Again, your credentials are not stored on our servers, they are simply used to recreate the tunnel.So there are two data loss situations.In one case, you Thrive account credentials are hacked and someone can log in as you.What can they see Your balances, your transactions, what types of accounts you have, and what banks you use.Damaging information, to be sure.But they dont have your bank passwords or logins, they cant change anything at your bank or move any money around.They can only view some sensitive information about you, which they could get straight from your mailbox it is the same information on any paper statement you receive.The other data loss situation is a hacking of our servers, not just your account.The same information is available, but on a vastly larger number of people.You sum it up well everyone has to choose for themselves, based on the positives and negatives, whether joining a site like Thrive is right for them.And honestly, if someone understands all the considerations and still chooses not to use Thrive, were totally fine with that it isnt for everyone and some people are less comfortable than others.I simply care that people understand what they are and arent making accessible by using such a site, and all the things they stand to gain.Im a behavioral psychologist and weve worked hard to make sure that Thrive gives measurable help to our members.We can see, in concrete numbers, how our system changes peoples financial behaviors, and the money they save by making infrastructure improvements, understand where they spend and why, and working towards their goals and plans in an organized way.So for all this talk of data security, there is a very real upside to joining Thrive and I wouldnt want to have a security discussion without ending on that note. 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