Golden Rules of Scam Protection
Be aware that scams exist
When dealing with unknown contacts from people or businesses always consider the possibility that the approach may be a scam.
Tip: Search online to confirm the contact details before proceeding.
Don’t open suspicious texts or emails – delete them
If unsure, verify the identity of the contact through an independent source such as a phone book or online search. Don’t use the contact details provided in the message sent to you.
Tip: If you don’t know who sent you the text or email, don’t open or click on any links. The safest option is to delete it.
Beware of any requests for your details or money
Never send money or give bank card numbers, online account details or copies of personal documents to anyone you don’t know or trust. Don’t agree to transfer money or goods for someone else; money laundering is a criminal offence.
Be careful when shopping online
Beware of offers that seem too good to be true and always use an online shopping service that you know and trust.
Tip: Look for the closed padlock on the website, as this confirms the site is secure. Do your research before you proceed with a site that doesn’t have a secure padlock.
Beware of unusual payment methods
Scammers often ask for payment by wire transfers, preloaded cards and even Google Play, Steam, or iTunes gift cards and cryptocurrency. These are nearly always a sign that it is part of a scam.
Tip: Do your research via an independent source before you proceed.
Know who you’re dealing with
If you’ve only ever met someone online or are unsure of
the legitimacy of a business, take some time to do a bit more research. Search online for real business photos or for reviews from others who may have had dealings with them.
Beware scammers will try and tell you what to say and how to act to avoid detection. Don’t be afraid to ask questions.
Keep your personal details secure
Keep your passwords and PIN (personal identification number) in a safe place and never share them with anyone or write them down. Be very careful about how much personal information you share on social media sites. Scammers can use your information and pictures to create a fake identity or to target you with a scam.
Tip: Never share codes sent to you as an SMS from the bank to anyone – not even the bank.
Keep your mobile devices and computers secure
Always use password protection, don’t share access to your computer or phone with anyone (including remotely), update security software and back up content regularly. Protect your WiFi network with a password and avoid using public computers or WiFi hotspots to access online banking or provide personal information. If you are not sure how to do this ask a trusted individual for assistance.
Choose your passwords carefully
Choose passwords that would be difficult for others to guess and update them regularly. A strong password should include a mix of upper and lower case letters, numbers and symbols (try a phrase). Don’t use the same password for every account/profile, and don’t share your passwords with anyone.
What to do if you have concerns
Contact your bank immediately or visit your nearest branch.
Source: https://www.heritage.com.au/support/security-alerts
The above website allows visitors to download the pamphlet entitled “The golden rules to protect yourself from scams and fraud.” This informative pamphlet has been produced by Heritage Bank in Australia.
Also, the website is an excellent resource. See the section entitled “Scam alerts & fraud protection” for its wide range of help guides and security tips. We heartily recommend this trusted website.