The common objective of scams is to either con victims out of their money or to steal their personal data.

A scam can take various forms and is not always easy to detect. A scam can often be recognised if the answer to the following situations is ‘yes’.

You are contacted out of the blue. Sometimes you may be unexpectedly contacted via e-mail or a phone call and are asked to give your personal or payment details. Trustworthy firms do not do this. So if you are not 100 per cent convinced of the origin of the e-mail, or of the identity of the person speaking to you on the phone, you should ignore the e-mail or hang up.

You are offered an attractive free gift. You may also be tempted by scams that invite you to claim a free gift. While browsing the internet, a window may sometimes pop up on your screens prompting you to click on it to claim a free prize. If you click on it, you are usually either asked to enter your personal details, sometimes even your bank account details, or asked to call a specific telephone number to claim the gift.

Be warned that such calls are usually very expensive, and if you fall for this scam you not only end up being charged a lot of money for the call but you also never receive the promised prize.

You are asked to share personal details. Another common scam is phishing. This occurs when scammers try to get your personal details, like your bank account and credit card numbers, user name, and passwords. If you give out such details you risk…

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