Stay Safe When Using AI Tools

  • September 8, 2026
  • Neighbors FCU

Artificial intelligence, or AI, is quickly becoming part of everyday life. From answering questions and creating content to helping with work, school, and personal tasks, AI tools can make a lot of things easier.

But just like any online tool, it’s important to think about what information you’re sharing and where that information may go.

Before typing personal or sensitive information into an AI tool, here are a few things to keep in mind.

Be Careful What You Share

AI tools may collect and store information you provide, including conversations, feedback, and certain account or device information. Exactly what is collected and how it is used depends on the tool and its privacy settings.

That’s why it’s a good rule of thumb to avoid entering information you wouldn’t want someone else to see.

This can include:

  • Social Security numbers
  • Account or card numbers
  • Passwords or login information
  • Personal identification numbers
  • Private financial information
  • Confidential work or business information
  • Other sensitive or identifying details

Even when you're using a legitimate AI tool, sharing less sensitive information is generally the safer choice.

Watch Out for Fake AI Tools

As AI becomes more popular, scammers are finding ways to take advantage of it, too.

Cybercriminals may create fake websites, apps, browser extensions, or other tools designed to look like legitimate AI services. Their goal may be to steal information, install malicious software, or convince you to provide sensitive details.

Before using an AI tool, make sure you’re using the official website or app. Be especially cautious about AI tools you discover through unexpected emails, text messages, pop-up advertisements, or unfamiliar links.

Remember That AI Can Be Wrong

Protecting your information isn't the only consideration when using AI. The information an AI tool provides may sound convincing while still being incomplete, outdated, or incorrect.

For important decisions involving your finances, health, legal matters, or personal security, verify the information with a trusted source before taking action.

Tips for Using AI More Safely

A few simple habits can help protect your information:

Choose reputable tools. Use well-known AI services and verify that you're accessing the company's legitimate website or application.

Share only what's necessary. Leave out names, account numbers, passwords, and other identifying information whenever possible.

Review the privacy policy. Learn what information the AI provider collects, how it may be used, and what privacy controls are available.

Think before you upload. Documents, screenshots, photos, and files can contain sensitive information that isn't immediately obvious.

Be cautious with links and downloads. Don't automatically trust a website, file, or link simply because it claims to offer an AI service.

Double-check important information. AI can be a helpful starting point, but it shouldn't replace trusted sources when accuracy matters.

Use AI Smartly and Safely

AI can be a useful tool, but convenience shouldn't come at the expense of your privacy or security. Before entering information into an AI tool, take a moment to consider whether that information really needs to be shared.

A simple rule can go a long way: When in doubt, leave sensitive information out.

Staying informed and developing smart digital habits can help you enjoy the benefits of new technology while keeping your personal and financial information better protected.