SCAMwatch email alert: Consumers with a disability – be on guard against scammers [SEC=UNCLASSIFIED]

August 2014: SCAMwatch is warning consumers with a disability to be on guard against scams – unfortunately, scammers target people whom they think may be vulnerable to try and take advantage of them. 

Some common scams reported by consumers with a disability include fraudsters claiming:

• to represent a government authority  or well-known business
• that they are looking for a relationship
• that the target has won a lottery or competition.

Scammers employ a range of delivery methods to contact you such as a phone call, text message, email, through an online forum, or even face-to-face by knocking on your door. Their ultimate goal is to obtain your personal information or steal your money.

Consumers with a disability, beware – if you receive an approach out of the blue from someone asking for personal information or money, don't engage – press 'delete', shut the door or just hang up.

How these scams work

Scammers claiming to represent a government agency or legitimate business

• Many scammers take advantage of consumers' trust in government authorities and well-known businesses or brands in order to steal your personal details or money.
• As the National Disability Insurance Scheme rolls out, consumers with a disability should be particularly wary of anyone who contacts them claiming to be from the National Disability Insurance Agency (NDIA) and asking for personal or financial information.
• Scammers will often claim that you are entitled to a refund or payment from the government or business. However, in order to receive the money, they will claim that you first need to make a payment to them to cover taxes, fees or administration costs.
• To make this payment, they will either ask you to hand over your financial details or send money via a wire transfer. Alternatively, they may ask you to click on a link in an email to fill out a form or find out more information.
• If you hand over your personal details to a scammer, they may be used to commit identity theft or to take your money. If you hand over money, you won't get it back. If you click on a link in a scam email, your computer may become infected with malicious software and compromise its security.

The NDIA advises that it will not ask for your financial details over the phone or via email.  If you receive a call out of the blue from someone claiming to represent the NDIA and you are unsure whether they are the real deal, hang up. You can then call the NDIA using their official contact number: 1800 650 717.

Dating and romance scams

• Scammers often approach people online claiming to be looking for love. They will form an emotional attachment with their victims and then take advantage of this to repeatedly ask for money.
• You meet someone online through a dating or social networking website. Your admirer asks to communicate outside of the platform (thereby away from any safeguards that the platform may have).
• You find yourself become increasingly emotionally involved with your admirer as you communicate with them over weeks, months and sometimes even years.
• At some point your admirer asks you to provide financial assistance to help cover costs associated with illness, injury, a family crisis, or even to cover costs to travel and meet you. They will typically ask you to send the money via wire transfer.
• If you send them money, you will then receive further requests or pleas for money.  If you do so, you risk being left broke and with a broken heart.

Never send money to someone you have not met face-to-face. If your online admirer asks for money, no matter what the reason is, ask yourself: 'Do I really know who I'm dealing with?'

Unexpected prize scams

• Scammers often send emails, text messages or letters to people claiming that they have won cash or a prize in a fake overseas lottery or a competition – one that they never entered in the first place. 
• If you respond to a notification that you've won a lottery or competition that you never entered, you will be asked to make a payment via wire transfer to cover 'taxes' or 'administration fees' before the prize or cash can be released.
• If you hand over your money, you will never see it again, and the promised prize will never arrive.

If you are notified that you have won a prize or lottery, ask yourself – did I even enter it? If not, press 'delete' or throw it in the bin – it's a scam.

Protect yourself

• If you receive an approach out of the blue from someone asking for personal information or money, don't engage – press 'delete', shut the door or just hang up.
• If you have doubts about the identity of a caller who claims to represent a government authority or business, contact the authority or business directly. Don't rely on contact details provided by the person – find them through an independent source such as a phone book or online search.
• If you receive a call out of the blue from someone claiming to represent the NDIA and you are unsure whether they are the real deal, hang up and then call the NDIA using their official contact number: 1800 800 110.
• Remember that you can still receive scam calls even if you have a private number or have listed your number on the Australian Government's Do Not Call Register. Scammers can obtain your number fraudulently or from anywhere it has been publicly listed such as in a phone book.
• Keep your personal details personal: Never share personal, banking or credit card information or photos with someone you don't know and trust.
• Don't open any attachments or click on any links in, or reply to, suspicious emails – they may take you to a bogus website or contain a malicious virus.
• Always keep your computer security up to date with anti-virus and anti-spyware software and a good firewall. Only buy computer and anti-virus software from a reputable source.
• If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

Report

You can report scams to the ACCC via the SCAMwatch report a scam page or by calling 1300 795 995.

You can provide information about suspected fraudulent or unethical behaviour impacting the NDIS by email at fraudreporting@ndis.gov.au or by calling 1800 650 717. Information may be provided anonymously. 

If you are a TTY user – phone 1800 555 677 then ask for 1800 650 717 (for NDIS) or 1300 795 995 (for SCAMwatch).  If you are a Speak and Listen (speech-to-speech relay) user – phone 1800 555 727 then ask for 1800 650 717 (for NDIS) or 1300 795 995 (for SCAMwatch).  If you are an internet relay user – visit the National Relay Service website and ask for: 1800 650 717 (for NDIS) or 1300 795 995 (for SCAMwatch).  If you require more information, visit the National Relay Service website. 

More information

The NDIA has issued a media release scams targeting NDIS participants: 'Protecting your personal details from scammers'.

Stay one step ahead of scammers – follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

SCAMwatch email alert: Beware of carbon tax repeal scams [SEC=UNCLASSIFIED]

August 2014: SCAMwatch is warning consumers and businesses to be aware of scammers looking to take advantage of the carbon tax repeal to steal your money.

Scammers may take advantage of dollar figures being quoted in the press about how much consumers may save from changes in the price of goods following the carbon tax repeal. Scammers may call or email consumers and small businesses with false claims that they are entitled to the money upfront.

Scammers often use major government programs or announcements like the carbon tax repeal to trick people into handing over their money or personal banking details. Scammers pretend to be from a government department or agency, or from a business such as an energy provider, to sound legitimate. They may spin a range of stories to make their story sound real, such as claiming that there is money due because of a tax refund, tax concession, one-off payment, discount, return or even a bonus.

In the case of the carbon tax repeal, scammers may call claiming that people are entitled to a carbon tax rebate or refund off their previous bill. However, for the money to be released, there is an upfront 'fee' to cover administration or other costs. If you pay the upfront fee, you are unlikely to ever see your money again.

Scammers typically ask for money to be sent via wire transfer as it's nearly impossible to recover money sent this way. They may also ask for people's financial and other personal details to access their money and commit identity theft.

Be on guard, you may receive a phone call or email from someone asking for your personal or banking details in order to pay you money due to the carbon tax repeal. If you are approached in this way hang up – the person on the other end may be a scammer. The best approach is to call them back on a phone number you find independently.

How these scams work

• You receive a call or email out of the blue from someone claiming to be from a government department or business such as an energy provider.
• The caller or sender will claim that, because of the carbon tax repeal, you are now entitled to a tax rebate or a refund on your previous bill.
• In order to receive the refund/payment you have to pay an administration fee or other fee upfront.
• The caller or sender will direct you to make the payment via a wire transfer services or credit card payment.
• Alternatively, you may be asked to provide your bank account details or other personal information so they can deposit the refund in your account.
• If you send any money via wire transfer, you will never see it again – it's nearly impossible to recover money sent this way. If you provide your bank account details or other personal information, the scammer may use it to commit identity theft or to steal your money. You will also never receive the promised rebate or refund.

Protect yourself

• If you receive a phone call or email out of the blue from someone claiming to be from a government department or a business such as an energy provider and they claim that you are entitled to money due to the carbon tax repeal, be cautious.
• If you have any doubts about the identity of any caller who claims to represent a business, organisation or government department, contact the body directly. Don't rely on numbers, email addresses or websites provided by the caller – find them through an independent source such as a phone book or online search.
• Never give your personal, credit card or online account details over the phone unless you made the call and the phone number came from a trusted source.
• If you think you have provided your account details to a scammer, contact your bank or financial institution immediately. 

Report

You can report scams to the ACCC via the SCAMwatch report a scam page or by calling 1300 795 995.

More information

Stay one step ahead of scammers, follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

For information on the ACCC's role in monitoring and enforcing the carbon tax repeal, see the ACCC carbon tax repeal webpage.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

 

SCAMwatch email alert: Beware of scammers taking advantage of the Malaysia Airlines Flight MH17 tragedy [SEC=UNCLASSIFIED]

July 2014: SCAMwatch is warning Australians to be wary of scammers looking to take advantage of the Malaysia Airlines Flight MH17 tragedy by setting up fake Facebook pages in the name of victims of the tragedy.

Scammers have set up false Facebook profiles for Australian victims of the Malaysia Airlines Flight MH17 tragedy in an attempt to make money from people interested in finding out more about this international tragedy. The profiles direct people to a blog, where they are then bombarded with dubious advertisements.

If you click on the advertisement, the scammer can make money from the advertising 'service' (where they receive advertising revenue for each click through to a client's website or product). The blog or advertisement may also be infected with malware, thereby compromising your computer's security. 

Beware – scammers have also been known to take advantage of major news stories including tragedies to seek donations for fake charities. Scammers use social networking platforms to promote these schemes.

If you want to find out more about the Malaysian Airlines Flight MH17, only use reliable news sources and be particularly wary of links posted on social networking sites– unfortunately scammers like to connect with people through these forums, too. 

How this scam works

Scam advertising services

• Scammers set up a false Facebook page using the name of a victim of the Malaysia Airlines Flight MH17 tragedy. The Facebook page directs you to a blog that it purports has information on the Flight MH17 tragedy.
• If you click on the link to the blog, you will be subject to a series of pop-up advertisements.
• If you click on the advertisement, the scammer will then make money from the 'click-through' by driving potential customers to a business's website.

Malware scam

• Alternatively, the site that you are directed to may contain infected ads, which if you click on could cause malware to install on your computer. The scammers may have also set up malware to be downloaded when you click on the link to the blog.
• If a scammer has infected your computer with malware, they may be able to access your personal information stored on the computer, including financial details. They may then be able to use this access to commit identity theft or steal your money.

Charity scam

• You should also be on the lookout for charity scams that may arise out of the flight MH17 tragedy, with scammers often using major news stories as a means to lure donations that they claim will go to helping victims.
• You may receive an email, come across a website, or find a blog or profile on a social media site claiming to raise money for a charity, or affected families.
• If you hand over money to the 'charity' or 'fundraiser', your money will go straight into the pockets of a scammer and the victims will never receive a cent.

Protect yourself

• If you want to access information about major or breaking news, use a reliable news source rather than an unknown web link or blog – there are many reputable online news sites where you can safely access credible information.
• Always keep your computer security up-to-date with anti-virus and anti-spyware software, and a good firewall. Only buy computer and anti-virus software from a reputable source.
• If you think your computer's security has been compromised, use your security software to run a virus check. If you still have doubts, contact your anti-virus software provider or a computer specialist.
• If you are considering making a donation to a charity, cause or appeal, approach the organisation directly using their official contact details to make the payment.
• Never give money or your financial details to someone you don't know - it's rare to recover money from a scammer.
• If you think that your banking or financial details have been compromised, contact your financial institution immediately.

Report

You can report scams to the ACCC via the SCAMwatch report a scam page or by calling 1300 795 995.

More information

SCAMwatch has recently issued alerts on scammers targeting the Malaysia Airlines Flight MH360 tragedy and the 2013 Boston marathon bomb tragedy.

For more information on donating safely to Australian charities, visit the Australian Charities and Not-for-Profits Commission website.

Stay one step ahead of scammers – follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

SCAMwatch email alert: Don’t let scammers ‘tax' you this tax time [SEC=UNCLASSIFIED]

July 2014: SCAMwatch and the Australian Taxation Office (ATO) are urging consumers and small businesses to be aware of scammers taking advantage of the busy nature of tax time to target you.

Scammers pretending to be from the ATO will typically approach you by phone or email and spin a range of tall tales to trick you into handing over your personal details or money. A common tax time scam involves scammers claiming that you have overpaid your tax and are entitled to a refund, but that you have to pay a tax or administration fee upfront in order for the money to be released. Another tax scam is based on the ruse that you owe money due to a miscalculation from the previous financial year. Scammers also continue to pedal the classic phishing scam where they 'fish' for your details by asking you to verify your details.

Scammers use a number of tools to slip under your radar you at tax time – from impersonating an ATO representative, to creating official looking emails and email addresses, to creating sleek and professional-looking websites that mirror the ATO site. They have even been known to create web portals that appear to be hosted on the ATO site, which are designed to trick you into providing your personal details.

Beware – scammers may even recite some personal information about you to trick you into thinking they're the real deal. These days, it's easy for scammers to get a hold of personal information from social media and other networking forums. 

Your personal details, including your Tax File Number, credit card or bank details are valuable and should never be provided to a stranger. If you hand over your personal information to a scammer, they can use it to commit identity theft and steal your money. You should also be very wary of any requests to send money via money transfer – it's nearly impossible to recover money sent this way.

The ATO advises that from time to time it will send taxpayers emails, SMS messages or official social media updates alerting them to new services. However, the ATO will never request personal or financial information by SMS or email.

If you receive a call or email out of the blue from someone claiming to represent the ATO and that you are entitled to, or owe money – just hang up or press delete. You can check whether they're the real deal by calling the ATO on its official contact number: 13 28 69.

How these scams work

Here are some common tax time scams to be aware of:

• Tax refund scams – these scams typically involve the scammer telling you that you have overpaid your tax and are now entitled to a tax refund. In order to receive the refund, the scammer claims that you will first need to pay an 'administration' or 'transfer' fee via money transfer. They may also ask for your financial details, claiming that this is for the purpose of transferring the money to you.
• Tax owed scams – scammers will claim that you have underpaid your tax and are now required to repay the tax debt immediately. They may request your credit card details or ask you to pay the outstanding amount via a money transfer. They may also ask you to purchase a pre-paid debit card, such as a 'Load and Go' card from your local post office, and then send them the card details so that they can access the money.
• Phishing emails – scammers will often try to steal your identity or money by sending you an email that pretends to be from a trusted entity such as the ATO. The scammer will 'fish' for your personal details by trying to get you to fill in a form, or click on a link that will allow them to infect your computer with viruses and malware. 

Protect yourself

• If you receive an email or phone call out of the blue from 'the ATO' claiming that you are entitled to a refund, that you owe money or asking you to confirm, update or disclose confidential details like your tax file number, press 'delete' or just hang up. Verify the caller or sender by contacting the ATO on its official contact number: 13 28 69.
• The ATO advises that you should be very careful with whom you share your tax file number (TFN). Never put your tax file number (TFN) on your resume – only give it to your employer after you have started your job. Never share your TFN, myGov or bank account details on social media. You should also change your passwords if you have shared them with anyone, including family and friends.
• The ATO also advises that if you use a tax agent, make sure they are registered by checking at www.tpb.gov.au/onlineregister.
• Don't open any attachments or click on any links in, or reply to, suspicious emails – they may take you to a bogus website or contain a malicious virus.
• Always keep your computer security up to date with anti-virus and anti-spyware software and a good firewall. Only buy computer and anti-virus software from a reputable source.
• If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.
  

Report

If people receive a call from someone claiming to represent the ATO and are concerned about providing their personal information over the phone, they should ask for the caller's name, end the call and then phone them back using the ATO's official contact number: 13 28 69.

You can forward suspect scams to ReportEmailFraud@ato.gov.au or call the ATO during business hours on 1800 060 062 to discuss a suspected scam.

You can report scams to the ACCC via the SCAMwatch report a scam page or by calling 1300 795 995. You should also spread the word to your friends and family to protect them.

More information

To increase community awareness of scams the ATO has launched a new video campaign on www.ato.gov.au/identitycrime with helpful tips to protect personal information.

Information on online security and scams can be found on www.ato.gov.au/onlinesecurity.

Stay one step ahead of scammers, follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

QLD Severe Thunderstorm Warning: Damaging Winds

QLD Severe Thunderstorm Warning: Damaging Winds Source: Bureau of Meteorology For people in the Southeast Coast Forecast District. Issued at 7:47 pm Saturday, 28 June 2014. A line of strong thunderstorms is currently moving eastwards at about 60 km/h across the far eastern Darling Downs into the Southeast Coast district. A few embedded cells within this line may become severe and be capable of producing damaging wind gusts in the warning area over the next several hours. More detailed severe thunderstorm warnings will be issued if severe cells develop within the line of storms. Locations which may be affected include Gold Coast, Brisbane, Coolangatta, Ipswich, Moreton Bay and islands, Boonah, Gatton, Beenleigh, Caboolture and Crows Nest. Queensland Fire and Emergency Services advises that people should: * Move your car under cover or away from trees. * Secure loose outdoor items. * Seek shelter, preferably indoors and never under trees. * Avoid using the telephone during a thunderstorm. * Beware of fallen trees and powerlines. * For emergency assistance contact the SES on 132 500. EWN Radar & Alerts Map | QLD Facebook Alerts | Twitter Alerts

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Southeast QLD Severe Thunderstorm Warning: Destructive Winds

Southeast QLD Severe Thunderstorm Warning: Destructive Winds Source: Bureau of Meteorology For people in the LOGAN CITY, REDLAND CITY, CHERBOURG SHIRE and parts of the BRISBANE CITY, GOLD COAST CITY, GYMPIE, IPSWICH CITY, SCENIC RIM, SOUTH BURNETT and North Stradbroke Island Council Areas. Issued at 3:39 pm Friday, 2 May 2014. The Bureau of Meteorology warns that, at 3:45 pm, very dangerous thunderstorms were detected on weather radar near Ipswich and Amberley. These thunderstorms are moving towards the east. Very dangerous thunderstorms are forecast to affect Redbank Plains and Wacol by 4:15 pm and Logan City, Slacks Creek and Tingalpa Reservoir by 4:45 pm. Other severe thunderstorms were located near Jimboomba and Greenbank. They are forecast to affect Beenleigh, Coomera and Logan Village by 4:15 pm and the area northeast of Kingaroy, Murgon and Cherbourg by 4:45 pm. Destructive winds are likely. Emergency Management Queensland advises that people should: * Move your car under cover or away from trees. * Secure loose outdoor items. * Seek shelter, preferably indoors and never under trees. * Avoid using the telephone during a thunderstorm. * Beware of fallen trees and powerlines. * For emergency assistance contact the SES on 132 500. EWN Radar & Alerts Map | QLD Facebook Alerts | Twitter Alerts

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QLD Severe Thunderstorm Warning: Destructive Winds

QLD Severe Thunderstorm Warning: Destructive Winds Source: Bureau of Meteorology For people in the Southeast Coast and parts of the Wide Bay and Burnett and Darling Downs and Granite Belt Forecast Districts. Issued at 2:53 pm Friday, 2 May 2014. Severe thunderstorms are likely to produce damaging winds over the next several hours in the Southeast Coast and parts of the Wide Bay and Burnett and Darling Downs and Granite Belt districts. Locations which may be affected include Gold Coast, Brisbane, Maroochydore, Gympie, Kingaroy and Noosa. Severe thunderstorms are likely to produce destructive winds over the next several hours in parts of the Wide Bay and Burnett and Southeast Coast districts. Locations which may be affected include Gympie, Tairo, Maryborough and Toolara Forestry. Emergency Management Queensland advises that people should: * Move your car under cover or away from trees. * Secure loose outdoor items. * Seek shelter, preferably indoors and never under trees. * Avoid using the telephone during a thunderstorm. * Beware of fallen trees and powerlines. * For emergency assistance contact the SES on 132 500. EWN Radar & Alerts Map | QLD Facebook Alerts | Twitter Alerts

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QLD Severe Thunderstorm Warning: Large Hail, Damaging Winds

QLD Severe Thunderstorm Warning: Large Hail, Damaging Winds Source: Bureau of Meteorology For people in parts of the Wide Bay and Burnett, Darling Downs and Granite Belt and Southeast Coast Forecast Districts. Issued at 5:44 am Friday, 2 May 2014. Severe thunderstorms are likely to produce damaging winds and large hailstones in the warning area over the next several hours. Locations which may be affected include Warwick, Gold Coast, Toowoomba, Dalby, Ipswich and Stanthorpe. Emergency Management Queensland advises that people should: * Move your car under cover or away from trees. * Secure loose outdoor items. * Seek shelter, preferably indoors and never under trees. * Avoid using the telephone during a thunderstorm. * Beware of fallen trees and powerlines. * For emergency assistance contact the SES on 132 500. EWN Radar & Alerts Map | QLD Facebook Alerts | Twitter Alerts

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SCAMwatch email alert: Beware – energy bill scams on the rise [SEC=UNCLASSIFIED]

View radar online

Added: May 2014

SCAMwatch is warning consumers to be on the lookout for energy billing scams currently doing the rounds.

A new phishing email pretending to be from reputable energy companies is currently circulating, which claims you owe money for an outstanding gas or electricity bill. The email will ask you to click on a link to view or update your account and arrange payment via money transfer. If you click on the link, you risk infecting your computer with malware and having your personal information stolen. If you pay this 'bill' via money transfer, you will never see your money again.

Beware – reports have also been received about scammers approaching consumers via phone, SMS and post.

Don't let scammers raise the temperature of your heating bill in the lead-up to winter – if you receive an email out of the blue from someone claiming that you owe their company money for an outstanding energy bill, press delete.

How the scam works

• You receive an email out of the blue from someone claiming to be from a reputable energy company, informing you that you owe money for 2013 energy usage.
• The email may appear to come from an official part of the energy company such as the 'Accounts Payable', 'Receivable Department' or the 'Accounts Receivable Team'. The email may even have all the trademarks of a bill – it may state that it is a gas or electricity bill, and include a fake account number, account summary, billing period details and due date for payment. However, on closer inspection, the email may contain spelling and grammatical errors – a tell-tale sign that something is amiss.
• The email may claim that the reason for the outstanding amount is that you have exceeded your energy consumption limit. It may even claim that you are eligible to use a discounted energy tariff to pay the bill if you click on the link.
• The email directs you to click on an embedded link, attachment or zip file to access your account and view your statement, and then direct you to a money transfer service with instructions on how to pay the bill.
• If you click the link or attachment, your computer may be infected with malicious software and your identity compromised. If you transfer money, you'll never see it again.
  

Note: you don't have to be a customer of the energy company claiming that you owe them money to receive this email.

Protect yourself

• If you receive an email out of the blue from someone claiming that you owe money for outstanding energy usage – just press 'delete'.
• If you're not sure whether an email is a scam, verify who they are by using their official contact details to call them directly. Never use contact details provided by the sender – find them through an independent source such as a phone book or online search.
• Watch out for tell-tale signs – whilst the sender may claim to be from an official source, their email may contain spelling mistakes or use poor grammar.
• Never click on links or open attachments in an email from an unverified sender – they may contain a malicious virus.
• Keep your computer secure – always update your firewall, anti-virus and anti-spyware software, and only buy from a verified source. If you think your computer's security has been compromised, use your security software to run a virus check. If you still have doubts, contact your anti-virus software provider or a computer specialist.
• Never send money to someone you don't know and trust – it's rare to recover money from a scammer. If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

Report

You can report scams to the ACCC via the report a scam page on SCAMwatch or by calling 1300 795 995.

More information

Stay one step ahead of scammers, follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

SCAMwatch email alert: Automated scam calls claiming to be from Qantas with bogus holiday win [SEC=UNCLASSIFIED]

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Added: April 2014

SCAMwatch and Qantas are warning people about automated calls from scammers posing as Qantas staff claiming that they've won a credit towards their next holiday. If you receive this call, hang up.

Reports have been received from both consumers and businesses about these scam calls, where the recipient picks up the phone and hears a recorded message that claims to be from Qantas. The message will claim that because the person has recently booked a flight with Qantas, they have won a 'travel prize' or 'credit points' – typically $999 – towards their next holiday.

In order to redeem the credit, the person is directed to press '1'. At this point, the person is put directly through to a scammer, who will then state that in order to be eligible for the prize, the person has to ask a few questions first. The scammer may ask whether the person is aged over 30, whether they have a valid credit card, and finally ask for their credit card details so that the prize can be processed.

If you hand over your credit card details, you will find that money has been taken rather than deposited from your bank account.

These scammers appear to be persistent, with some consumers and businesses reporting that they have received several of these calls in one day. Unfortunately scammers pay no heed to private phone numbers or numbers listed on the Do Not Call Register, so if you have a number like this, you can still expect to receive this call.

Qantas advises that their consultants will always call customers directly to discuss their bookings and do not use an automated phone system when contacting customers proactively.

Qantas also advises that you or your business may not even be a customer of Qantas and still receive this scam call.

Scammers often pose as well-known and reputable businesses to try and convince you that they're the real deal – if you receive an automated call out of the blue claiming to be from Qantas, just hang up.

How this scam works

• You receive a phone call out of the blue to your mobile, home or work phone and, when you answer, it goes straight to an automated message claiming to be from Qantas.
• If you have recently flown or booked with Qantas, the recorded message may sound like it's the real deal as the caller thanks you for choosing Qantas and claims that you have been chosen to receive $999 in a 'travel prize', 'credit points' or even 'frequent flyer points' towards your next trip.
• The automated message will direct you to press '1' to find out more information.
• If you dial '1', you will be put directly through to someone claiming to be a representative of Qantas. The caller may congratulate you on your win before stating that you must answer a series of questions in order to qualify for the prize. The caller will typically ask whether you are aged over 30, have a valid credit card, and then finally ask for your credit card details in order to process the prize.
• If you hand over your credit card details, you will find that money has been taken rather than deposited from your bank account.
  

Note: you may not even be a customer of Qantas and still receive this scam call.

Protect yourself

• If you receive an automated phone call out of the blue claiming to be from Qantas, just hang up.
• If you have doubts about the identity of any caller who claims to represent a business, organisation or government department, contact the body directly. Don't rely on contact details provided by the person – find them through an independent source such as a phone book or online search. You can contact the official Qantas Contact Centre on 13 13 13.
• Remember that you can still receive scam calls even if you have a private number or have listed your number on the Australian Government's Do Not Call Register. Scammers can obtain your number fraudulently or from anywhere it has been publicly listed such as in a phone book.
• Never give your personal, credit card or online account details over the phone unless you made the call and the phone number came from a trusted source.
• If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

Report

You can report scams to the ACCC via the SCAMwatch report a scam page or by calling 1300 795 995.

More information

Qantas has posted a statement about this activity on its News Room, 'Scam phone calls purporting to be from Qantas'.

Stay one step ahead of scammers – follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

ACCC statement regarding its websites

14 April 2014

ACCC statement regarding its websites Dear subscriber The ACCC became aware on 11 April 2014 of a breach of personal data collected from some of its websites. The affected websites are Recalls Australia, Product Safety Australia, SCAMwatch and the ACCC Public Registers website. The email addresses of some subscribers to the ACCC’s information alert services were inadvertently made accessible online. They were not indexed by search engines or linked from a web page on our sites. They could only be found if specific URLs were tried. The ACCC resolved this issue as soon as it became of aware of it. As you have subscribed to an alert on one of the affected websites, we are informing you that your email address may have been publicly available from our website if an intentional attempt was made to access it.  We sincerely apologise to you and any other affected users. The ACCC takes the issue of privacy, including any breaches, very seriously. We are currently investigating how this issue occurred and have reported the breach to the Office of Australian Information Commissioner. Scammers may send emails purporting to be from the ACCC in attempts to gain personal or financial information. If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments. If you need to contact us regarding this email, please call the ACCC Infocentre on 1300 302 502.   Yours sincerely   Adrian Walkden Chief Information Officer This email address is not monitored - do not reply to this email.

www.accc.gov.au | Privacy

 

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IMPORTANT: This email from the Australian Competition and Consumer Commission (ACCC), and any attachments to it, contains information that is confidential and may also be the subject of legal, professional or other privilege.  If you are not the intended recipient, you must not review, copy, disseminate, disclose to others or take action in reliance on, any material contained within this email.  If you have received this email in error, please let the ACCC know by reply email to the sender informing them of the mistake and delete all copies from your computer system. For the purposes of the Spam Act 2003, this email is authorised by the ACCC www.accc.gov.au

QLD Severe Thunderstorm Warning: Large Hail, Heavy Rain, Damaging Winds

QLD Severe Thunderstorm Warning: Large Hail, Heavy Rain, Damaging Winds Source: Bureau of Meteorology For people in the Southeast Coast and parts of the Wide Bay and Burnett, Maranoa and Warrego and Darling Downs and Granite Belt Forecast Districts. Issued at 2:26 pm Sunday, 6 April 2014. Severe thunderstorms may produce damaging winds, heavy rainfall that may lead to flash flooding and large hailstones in the warning area over the next several hours. Locations which may be affected include Warwick, Gold Coast, Toowoomba, Brisbane, Dalby and Stanthorpe. Queensland Fire and Emergency Services advises that people should: * Move your car under cover or away from trees. * Secure loose outdoor items. * Avoid driving, walking or riding through flood waters. * Seek shelter, preferably indoors and never under trees. * Avoid using the telephone during a thunderstorm. * Beware of fallen trees and powerlines. * For emergency assistance contact the SES on 132 500. EWN Radar & Alerts Map | QLD Facebook Alerts | Twitter Alerts

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Southeast QLD Severe Thunderstorm Warning: Heavy Rain

Southeast QLD Severe Thunderstorm Warning: Heavy Rain Source: Bureau of Meteorology For people in the BRISBANE CITY, GOLD COAST CITY, LOCKYER VALLEY, LOGAN CITY, MORETON BAY, IPSWICH CITY, SCENIC RIM, SOMERSET, TOOWOOMBA, REDLAND CITY, North Stradbroke Island and parts of the DALBY, SOUTHERN DOWNS and SOUTH BURNETT Council Areas. Issued at 9:01 am Sunday, 30 March 2014. Severe thunderstorms are likely to produce heavy rainfall that may lead to flash flooding in the warning area over the next several hours. Locations which may be affected include Brisbane CBD, Ipswich, Coolangatta, Warwick, Boonah, Beaudesert, Beenleigh, Logan City, Laidley, Gatton, Toowoomba, Cleveland, Strathpine, Esk, Redcliffe, Dalby, Caboolture and Kilcoy. Queensland Fire and Emergency Services advises that people should: * Avoid driving, walking or riding through flood waters. * Seek shelter, preferably indoors and never under trees. * Avoid using the telephone during a thunderstorm. * Beware of fallen trees and powerlines. * For emergency assistance contact the SES on 132 500. EWN Radar & Alerts Map | QLD Facebook Alerts | Twitter Alerts

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SCAMwatch email alert: Scammers pretending to be from Telstra Technical Support continue cold-calling A [SEC=UNCLASSIFIED]

March 2014: SCAMwatch and Telstra are warning consumers to hang up the phone if they receive a call out of the blue from someone claiming there is a problem with their internet connection or computer.

Recent months have seen a surge in reports of scammers calling people at home and raising a false alarm that they are at risk of their internet being disconnected immediately, as their computer has been hacked or infected with malware and is threatening Telstra's internet infrastructure. The caller claims that they are able to fix the problem on the spot, however a fee for this service will need to be paid and the person will also need to download software that will allow the caller remote access to their computer.
 
If the person resists or questions the scammer, they up the ante. Scammers have reportedly threatened to sue people for putting Telstra's infrastructure at risk. When the person has requested proof that they are a Telstra rep, scammers have given out a fake number for Telstra which, when the consumer calls, puts them back on the line with the scammer. These scammers are also well-versed at creating a sense of urgency to incite fear and anxiety that your device has been compromised and must be fixed immediately.

If you provide your credit card details and give remote access to your computer, the scammer may not only take more than the stated 'fee', but also infect your computer to gain access to your personal information and commit other acts of fraud.

Scammers often pose as well-known and reputable businesses to try and convince you that they're the real deal, with Telstra a popular target. Scammers pretending to be from Telstra have been known to switch consumers to another service provider that the consumer did not knowingly agree to. Scammers don't just fish for your details over the phone; they also send phishing emails pretending to be from Telstra or BigPond® to try to get you to hand over your account details, or to click on a link or open a document infected with malware.  The 'Yellow Pages' directory scam has also targeted Australian small businesses, with scammers deceiving them to sign up to an online business directory service that falsely claims to be affiliated with Sensis and Telstra.

Watch out – scammers know how to press your buttons when they get you on the phone. If you receive a call out of the blue from someone claiming to represent Telstra and they ask for access to your computer, just hang up.

How this scam works 

• You receive a phone call out of the blue from someone claiming to be a representative of Telstra or Telstra BigPond®. They may sound like the real deal, claiming to be from 'Telstra Technical Support' and using technical jargon.
• The caller claims that you need to take immediate action to avoid your internet connection being terminated or disconnected, as your computer has been hacked or infected with malware and is threatening Telstra's internet infrastructure. 
• In order to fix the problem, the caller will claim that you will need to pay them a service fee (typically around $10) to have a specialist look at your computer. They will also ask you to download a software program so that they can gain remote access to your computer and run a scan.
• The scammer may initially sound professional and knowledgeable, however they will be very persistent and may become abusive if you don't do what they ask. They may even threaten to sue you for putting Telstra's internet infrastructure at risk.
• If you provide your financial details or give remote access, you might find a lot more money taken out of your bank account than you agreed to, with some victims reporting losing over $5,000 from multiple withdrawals. Your computer may also be infected with malicious software, giving scammers access to your personal details stored on the device (including bank account information). 
• Note: you don't have to be a Telstra customer to be called by these scammers. You don't even have to own a computer!

Protect yourself

• If you receive a phone call out of the blue from someone claiming to be a representative of Telstra and their call relates to a problem with your internet connection, just hang up.
• If you have doubts about the identity of any caller who claims to represent a business, organisation or government department, contact the body directly. Don't rely on contact details provided by the person – find them through an independent source such as a phone book or online search.
• Remember that you can still receive scam calls even if you have a private number or have listed your number on the Australian Government's Do Not Call Register. Scammers can obtain your number fraudulently or from anywhere it has been publicly listed such as in a phone book.
• Don't let scammers press your buttons – scammers use detailed scripts to convince you that they're the real deal and create a high pressure situation to make a decision on the spot. 
• Always keep your computer security up to date with anti-virus and anti-spyware software, and a good firewall. Only buy computer and anti-virus software from a reputable source.
• Never give your personal, credit card or online account details over the phone unless you made the call and the phone number came from a trusted source.
• Never give a stranger remote access to your computer, even if they claim to be from a reputable business.
• If you think your computer's security has been compromised, use your security software to run a virus check. If you still have doubts, contact your anti-virus software provider or a computer specialist.
• If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

Report

You can report scams to the ACCC via the SCAMwatch report a scam page or by calling 1300 795 995.

More information

SCAMwatch has previously issued radars about scammers pretending to be affiliated with Telstra:

• August 2013: Small businesses beware – 'Yellow Pages' directory scam strikes again
• August 2011: Computer remote access scammers now masquerading as Telstra - new twist
• September 2010: Telstra warns of email scam targeting BigPond customers.

Stay one step ahead of scammers – follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

QLD Severe Weather Warning: Heavy Rain

QLD Severe Weather Warning: Heavy Rain Source: Bureau of Meteorology For people in the Wide Bay and Burnett, Darling Downs and Granite Belt, Southeast Coast and parts of the Central Highlands and Coalfields and Maranoa and Warrego Forecast Districts. Issued at 5:02 am Thursday, 27 March 2014. Synoptic Situation: A developing surface trough extends from the central interior into the central Darling Downs. The trough is forecast to drift slowly south during today, before crossing southeastern districts on Friday. A deep moist east to northeast flow will extend from the Coral Sea, across southeastern districts, and into the trough. Rain areas, currently extending through districts to the east of the trough, are expected to develop further in the next 24 hours. Heavy rain, which may lead to flash flooding, is expected to develop during today through the Wide Bay and Burnett, southeastern Central Highlands and Coalfields, the eastern Maranoa and Warrego and the Darling Downs and Granite Belt districts. Heavy rainfall areas are likely to extend to the Southeast Coast district during the afternoon and evening. 24 hour totals of 50 to 150mm are likely, with some isolated heavier falls expected. Locations which may be affected include Gold Coast, Brisbane, Ipswich, Maroochydore, Warwick, Toowoomba, Dalby, Stanthorpe, Goondiwindi, Gympie, Bundaberg, Hervey Bay, Maryborough, Taroom, Kingaroy and St George. Queensland Fire and Emergency Services advises that people should: * Avoid driving, walking or riding through flood waters. * Keep clear of creeks and storm drains. * For emergency assistance contact the SES on 132 500. EWN Radar & Alerts Map | QLD Facebook Alerts | Twitter Alerts

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SCAMwatch email alert: Scammers using videos of Malaysian Airlines Flight MH370 to spread malware [SEC=UNCLASSIFIED]

March 2014: SCAMwatch is warning consumers interested in finding out more about the recent disappearance of Malaysia Airlines flight MH370 to be on guard when opening video footage about this event, as scammers are sending links infected with malware.

Scammers have been sending emails and social media messages at random with links purporting to be videos on the disappearance of the Malaysian Airlines flight. The link can take you to a website that appears to be a legitimate website (such as the BBC), however it is a fake. If you click on the link, your computer may be infected and scammers may be able to gain remote access.

Scammers are known to take advantage of major news stories or events where there is a high level of public interest. SCAMwatch has recently issued alerts on scammers targeting the 2014 FIFA World Cup, the 100th anniversary Anzac Day commemorations at Gallipoli in 2015, and the 2013 Boston marathon bomb tragedy. Scammers will use a range of tools to trick people under the guise of topical stories or events, such as spam emails with malicious content, selling fake tickets to an event in high demand, or seeking donations to fake charities.

Don't let scammers taking advantage of tragedies, take advantage of you. If you want to find out more information about Malaysian Airlines Flight MH370, use a reliable news source rather than an unknown web link.

This information is based on an alert issued by Stay Smart Online, an Australian Government initiative that provides a free alert service on recent online threats and how they can be managed.

How this scam works 

• You receive an email or social media message out of the blue that claims to contain links to video on the disappearance of Malaysian Airlines Flight MH370. The email or social media message may include text such as: 'Malaysia Plane (MH-370) Has Been Found Near Bermuda Triangle. BBC News: Recent Video Released!'.
• If you click on the link, you may be taken to a website that looks like the real deal, complete with logos and branding of legitimate news sites.
• In order to view the video, you will be asked to install some software (such as a 'codec') to be able to access the video format. If you download the software, your computer will be infected with malware.
• Alternatively, the scammers may have set up the malware to be downloaded simply when you click on the link and view the footage.
• In another spin, the site that you are directed to may contain infected ads, which if you click on could cause malware to install on your computer.
• If a scammer has infected your computer with malware, they may be able to access your personal information stored on the computer, including financial details.
  

Protect yourself

• If you receive an email or social media message out of the blue from a stranger claiming to have information or news on Malaysian Airlines Flight MH370, do not click on any links or open attachments – just press 'delete'.
• If you want to access footage or information about major or breaking news, use a reliable news source rather than an unknown web link – there are many reputable online news sites where you can safely access credible information.
• Always keep your computer security up to date with anti-virus and anti-spyware software, and a good firewall. Only buy computer and anti-virus software from a reputable source.
• If you think your computer's security has been compromised, use your security software to run a virus check. If you still have doubts, contact your anti-virus software provider or a computer specialist.

Report

You can report scams to the ACCC via the SCAMwatch report a scam page or by calling 1300 795 995.

You can also report spam to the ACMA.

More information

Visit the Stay Smart Online website to access the SSO Malaysian Airlines Flight MH370 video malware alert. You can also sign up to their free Stay Smart Online Alert Service, and find out more information on avoiding online scams and managing spam.

Stay one step ahead of scammers – follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

SCAMwatch email alert: Don’t let scammers kick goals in the lead up to the 2014 FIFA World Cup [SEC=UNCLASSIFIED]

View radar online

Added: March 2014

SCAMwatch and FIFA are warning soccer fans seeking to buy tickets to the 2014 FIFA World Cup in Brazil to beware of websites selling fake tickets.

Fans wishing to purchase tickets should be aware that:

• Official and guaranteed tickets can only be bought via www.FIFA.com – no other websites or parties are authorised to sell tickets. 
• There are no legitimate tickets being sold as part of a travel package, as no official tour operator has been authorised by FIFA.  
• Tickets purchased from unauthorised sources may be counterfeit or invalid, or may not be received at all. They are also likely to be more expensive than legitimate tickets.

If you have purchased a ticket online and already received it, chances are it's a fake ticket as FIFA will not be issuing printed tickets before April 2014. Check the legitimacy of any source of tickets by contacting MATCH, the official agent appointed by FIFA to sell and distribute tickets, at enforcement@match-ag.com. 

Soccer fans, stay on the ball - if you come across a website selling 'tickets' to the event, or a travel package that includes a 'guaranteed' place, don't be fooled – the only way to get a ticket to the 2014 FIFA World Cup is by purchasing it via www.FIFA.com. 

How the scam works

• You come across a website selling guaranteed 2014 FIFA World Cup tickets or ticket-inclusive travel packages. 
• The website appears legitimate and professional. It may use the official "2014 FIFA World Cup Brazil" logo and trademarks (or their look-alikes) to lure you in to thinking the site is official and that it's an authorised seller. It may also offer tickets and packages to other sporting events and concerts.  
• In order to purchase the tickets or ticket-inclusive travel packages, you will need to pay a substantial price; for some ticket-inclusive packages, the asking price may be as much as $30,000 per person.   
• These websites do not have legitimate tickets to distribute. If you buy a ticket outside the official FIFA website, you may receive invalid tickets or you may not receive tickets at all. You could find yourself on arrival at the World Cup in Brazil unable to gain entry to watch the game.

Protect yourself

• Only buy tickets from a legitimate source – official and guaranteed tickets can only be bought via www.FIFA.com.
• Think twice before you buy – get across the details on how to buy an official ticket on the FIFA website.  Search online to find out what other people's experiences have been. If you have any doubts about the legitimacy of any tickets being sold, contact FIFA. 
• Be wary of travel packages that 'guarantee' tickets – no official tour operator has been authorised by FIFA to sell packages with tickets.
• If you are promised printed tickets before April 2014, walk away – genuine tickets to the FIFA World Cup are not printed before this date.  
• Remember – these days, it's easy for a scammer to create a professional looking website and to use official logos and trademarks (or their look-a-likes).  
• If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

Report

You can report scams to the ACCC via the report a scam page on SCAMwatch or by calling 1300 795 995.

You can also report suspicious sellers to MATCH by email at enforcement@match-ag.com.

More information

FIFA has issued a media release about unauthorised ticket sales:

• January 2014: FIFA.com the only legitimate source to buy tickets for the 2014 FIFA World Cup

FIFA has also released a video about purchasing tickets to the 2014 FIFA World Cup that explains how to avoid buying fake tickets:

• Get your World Cup Tickets on FIFA.com

SCAMwatch has previously issued a radar in the lead up to the 2010 FIFA World Cup:

• June 2010: Looking for 2010 FIFA World Cup tickets?

Stay one step ahead of scammers, follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

 

SCAMwatch email alert: Don’t be fooled by a fake franchise [SEC=UNCLASSIFIED]

February 2014: SCAMwatch is warning people thinking about buying a franchise or small business to beware of exciting new franchise opportunities that may actually be scams.

Franchising scams can come in the form of a pyramid scheme dressed up as a reputable franchise. These scams may appear to be slick and professional, with a sophisticated website, marketing material and buzz-words. The scammers may also promote the franchise as a golden opportunity for investors to join a 'proven' business that requires minimum effort, experience or skill with instant rewards.

A legitimate franchisor will provide a prospective franchisee with a disclosure document 14 days before entering into an agreement or handing over any money (as is required by law under the Franchising Code of Conduct). This document should contain important information about the franchise, including the payments to be made, the contact details of existing and former franchisees, and inform franchisees of their cooling off rights.

The tell-tale sign of a pyramid selling scheme is that they recruit people rather than selling a legitimate product or service. In a recent example of such a business opportunity it is difficult to identify the true nature of the business and pin-point what is actually being bought or sold.    

In the end all pyramid schemes collapse, leaving participants with empty pockets and potentially in hot water too as these schemes are illegal in Australia.

If you are interested in joining a franchise, make sure you know what you're getting into – pyramid selling schemes are often highly sophisticated and hard to tell apart from genuine offers. If you sign up to a fake franchise, you will lose your money. 

How these scams work

• You come across a franchise system or small business opportunity advertised online. You may come across the website directly or alternatively through an online selling platform.
• The website appears to be the real deal, with a slick and professional design. It may contain information that appears plausible for a genuine business site such as a business model, mission statement, industry statistics, diagrams, support services for franchisees such as mentoring and training programs, and free marketing tools. It may also use buzz-words such as 'risk-free', 'not-to-be-missed', 'high return', 'unique' and 'innovative' to entice you to join. 
• Despite all the information provided, if you actually look for what the franchise is selling, it is hard to put your finger on exactly what is being bought or sold.
• In order to participate, you have to pay significant upfront costs to join the franchise.
• Once you sign up, you will be required to recruit other 'franchisees' or 'franchise partners' to join the scheme. You find that you will not only never get the returns that were promised, but you will also have to continue to approach and sign people up.
• If you sign up prospective franchisees, including family and friends, you will not only be involving them in the scheme, but also breaking the law.
• In the end, all pyramid schemes collapse and you will lose your money.

Protect yourself

• Seek full information – ensure that you receive a disclosure document from the business before handing over any money. If you are not provided with such a document, walk away.
• Make sure the business you are dealing with is the real deal – ask around, search online and contact existing and former franchisees. Don't just rely on information from the business but seek out independent sources to verify the information. If you have any doubts, don't sign up.
• Understand what you are purchasing – ask yourself, what is the service being sold? Do not enter into an agreement if you do not know what is being offered.
• Do not succumb to high-pressure or buy-it-now sales tactics – take your time to understand what you are agreeing to.
• Minimum effort does not reap maximum rewards – there are no get-rich-quick schemes and the only people who make money are the scammers.
• If you believe that an offer is a pyramid scheme, do not take part – it is very likely that you will lose your money and you could be breaking the law. Participating in a pyramid selling scheme is illegal in Australia.
• Remember – these days, it's easy for a scammer to create a professional looking website and use marketing jargon.

Information about what to look for when choosing a franchise and what should be contained in a disclosure document is available in the ACCC's franchisee manual.

Report

You can report scams to the ACCC via the report a scam page on SCAMwatch or by calling 1300 795 995.

More information

For more information on how these scams work, check out the pyramid schemes section on SCAMwatch.

For more information about your rights and obligations as a franchisee see the ACCC's online franchising information.

If you are interested in buying into a franchise, check out the ACCC-Griffith University free online pre-entry program, which will give you invaluable advice about what you need to know before signing up to any offer, and what you need to ask. Genuine franchise systems will be able to answer these questions; most scammers will not.

To find out more about your rights and obligations as a small business under Australia's competition and consumer laws, contact the ACCC Small Business Helpline on 1300 302 021.

Stay one step ahead of scammers, follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

You have received this email because you have subscribed to receive SCAMwatch radar alerts on scams targeting Australians. These alerts are issued by the Australian Competition and Consumer Commission and can be viewed on its SCAMwatch website http://www.scamwatch.gov.au/.

If you have any doubts about an email's source, verify the sender by independent means - use their official contact details to check the email is legitimate before clicking on links or opening attachments.

If you no longer want to receive SCAMwatch email alerts, please unsubscribe on the SCAMwatch website.

SCAMwatch email alert: Looking for love online? Don’t get scammed into a broken heart and empty wallet [SEC=UNCLASSIFIED]

February 2014: This Valentine's Day, SCAMwatch is warning Australians looking for a romantic connection online to beware of scammers seeking to steal their heart and money.

Scammers will go to great lengths to court their targets and trick them into thinking it's a genuine relationship. They often approach victims through legitimate dating websites or online forums, and then move the communication off the platform and away from any safeguards in place by the site provider, where they can manipulate victims into handing over money. Scammers may also ask to chat via webcam, secretly film the interaction, then blackmail victims into handing over money in exchange for not sharing the footage with family and friends. They may even offer to meet victims in person, and will either not turn up, or worse put the person in a dangerous situation that can have tragic consequences.

Scammers will do anything to gain their victim's confidence and trust. They will invest months and even years grooming victims into believing that the connection is real. They may hide behind a fake profile of an attractive person, whose image has been taken straight from the internet. They may even seem to know all about the target's interests and hobbies as they have researched the person online or befriended them through an online forum.

Scammers are also expert at pushing people's emotional buttons. They may profess their love, send gifts, make promises and propose grand plans for the future – anything to strengthen the connection. Once their victim's defences are lowered, the scammer will spin an elaborate tale of woe about how they need financial help with a crisis, such as being ill or stranded. If the victim pays, the scammer will continue to ask for money to help them out of other situations. Scammers often request that the money be sent via wire transfer as it's almost impossible to trace and rare to recover money sent this way.

If you are looking for love online, don't let a scammer leave you broke and with a broken heart. If your online admirer asks for money, not matter what the reason is, ask yourself: 'Do I really know who I'm dealing with?'

How the scam works

• You meet someone online through a dating or social networking website whom you seem to just 'connect' with.
• The person may have an appealing profile, claim to have similar likes and dislikes or have gone through similar experiences.
• Your online admirer will soon ask you to communicate through a private channel such as via email or webcam.
• After you have established trust and rapport, they will ask you for money to help cover costs associated with illness, injury, a family crisis or travel to see them.
• Alternatively, your admirer will secretly film a webcam chat between you and them, and then try to blackmail you into handing over money in exchange for the footage being kept private.
• Regardless of the approach, the scammer will typically ask you to send them the money via wire transfer.
• If you send them money, they will continue to ask for money to get out of other problems or to withhold the footage. Amounts requested may initially be small but tend to increase over time.
• If you send money to a scammer – especially via a wire transfer – it is almost certainly gone forever.  Just as importantly, your heart may be broken and trust shattered.

Protect yourself

• Keep your personal details personal: Never share personal, banking or credit card information or photos with someone you don't know and trust – especially photos or webcam of a private nature –scammers have been known to use this material to blackmail victims.
• Watch out: If an online admirer asks to communicate with you outside the dating website, such as through a private email address or over the phone, be very wary – scammers want you away from any safeguards that are in place on the site.
• Search: Use the Google 'search by image' tool to check the authenticity of any photos provided by someone you met online as scammers often use fake photos they find online.
• Think twice: Never send money to someone you have met online and cease contact with anyone who asks. Beware especially of any requests to send money via money order, wire transfer or international funds transfer – it's rare to recover money sent this way.
• Avoid: Scammers may request to meet in person, sometimes overseas. This is potentially a life-threatening risk.  If you do decide to meet, choose a public place, make sure you tell your friends and family where you are going, and put arrangements in place with them to ensure your safety.
• Report: If you think you have provided your financial details to a scammer, contact your bank or financial institution immediately. If you think you met a scammer through an online dating service, let the site operator know.

Report

You can report scams to the ACCC via the report a scam page on SCAMwatch or by calling 1300 795 995.

More information

SCAMwatch has issued several radars about romance scams, including the following in 2013:

• July 2013: Don't let your heart be blackmailed
• February 2013: Protect your wallet and your heart this Valentine's Day

Stay one step ahead of scammers, follow @SCAMwatch_gov on Twitter or visit http://twitter.com/SCAMwatch_gov.

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