PCWorld, Jan 2012 has an article by Tom Spring on the ads that are "popping up" on Android devices (eg, your Droid). Those ads are either "full screen" or they appear along the bottom of the display. They are compelling, telling you that you need to adjust your battery (and we have the app for you), you've won something, etc. The ads that run along the bottom of the display are particularly troublesome, because you can't make them go away and it is easy to hit them as you flick through the rest of the screen. Bottom line: DON'T SELECT THEM; BACK OUT; USE ADVANCED TASK KILLER (free, available at The Market) to avoid the ads. Most likely, these are dangerous, and you will end up losing your address book, your phone number, your email, your passwords, and the phone's unique IMEI number.
I also have security on my phone (Lookout, free for basic service and available at The Market) and I use Lastpass (unlike the PC/Apple/Linux version, there is a fee for this service) for all user ids and passwords, available at The Market)
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