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If you receive a phone call notifying you that you’re eligible for a refund, it’s probably a scam. Understanding how these scams work can help you avoid them and warn others not to fall for them either.

Maybe you’re using cloud backups or backups to attached media such as an external hard drive or a NAS. But these days, you also need an offline backup: A copy of your data that is detached from your machine and the Internet. Here’s why.