Advaes ia i kam wetem sapot blong British Hae Komisen long Niu Silan blong givhan long yu blong mekem ol raet jois.
Wanem blong avoidem (no mekem):
- No pem ol hae fi blong ol remitenses (mani yu sendem kambak long famile blong yu) Plis visitim sendmoneypacific.org blong infomesen mo advaes, luk daon ia long ‘Sef remitenses’.
- Ol ejen we oli no aveilebol mo oli no rilaebol long ples we famle blong yu oli stap, blong deliverem mani we yu transferem.
- Frod:
- Taem oli trikim yu long imel, teks, DM (daerek mesej), sosol media post o wan man i giaman olsem wan frodsta we bae hem i sendem mani.
- Yu no save be yu alaom wan skama o giaman man i tekem akses blong bank akaon blong yu o onlaen rimitans sevis, blong i save stilim ol fan o mani blong yu, olsem bae i widro o mekem ol peimen we yu no otoraesem.
- Bae oli giaman long yu blong tekpat long ol kriminol aktiviti (olsem mani londering).
OL sef remitens
- Oltaem yu sud yusum wan rejisted o laesens remitens provaeda we yu trastem. Ol provaeda we oli no rejista oli stap mekem ol wok we oli no ligol. Long Niu Silan, eksampol, yu save jekem sapos wan provaeda i stap long Faenansel Sevis Provaeda Regista long https://fsp-register.companiesoffice.govt.nz Ol provaeda long Niu Silan oli mas memba tu blong otoraesed Dispiut Resolusen Skim(DRS) long taem we yu gat wan problem wetem remitens sevis we oli provaedem. Yu save faenem moa infomesen long isu ia long https://fsp-register.companiesoffice.govt.nz/help-centre/dispute-resolution-schemes-drss/choosing-a-dispute-resolution-scheme
- Ol Remitens provaeda long eni Pasifik kaontri oli sud rejista o gat laesens long kaontri we oli operet long hem; eni provaeda we hem i no regista mo nogat wan laesens, bae ol fand blong yu maet bae yu no save transferem long wan sef wei.
- Hem i gud moa blong yusum ol rejisted sevis bitim we yu sendem kas yu wan. Sapos yu mas sendem kas, yu no givim long wan man o grup, o wan ‘kuria’ we yu no save long hem, mo hem i talem se bae hem i tekem mani i gobak long ol famle mo ol fren long kantri blong yu. Mo tu, mekem sua se yu tekem wan resit mo jekem ol ditel gud.
- I gat fulap riso to givhan long yu blong yu jusum wan remitens provaeda. Maet yu bin harem o yusum wan kampani we evriman oli save long hem mo oli trastem olsem Westen Yunion o Manigram, be i gat ol narafala remitens provaeda we oli operet long Pasifik, mo wan long olgeta yu maet wantem yusum from i stret long yu. Blong givhan long yu, visitim sendmoneypacific.org, wan websaet we oli setemap tru long Niu Silan mo Ostrelian Gavman-led inisietiv ‘Ridusim Kost blong Remitanses i go long Pasifik’. Websaet i hem komperem ol defren remitens provaeda blong soem long yu wijwan provaeda nao hem i oferem gudfala eksjens reit mo ol fi, mo ol stret taep blong ol sevis long nid blong yu. Websaet hem i ansarem plante long ol kwesten we yu maet gat olsem wanem ol remitenses oli wok, mo oli givhan long yu blong mekem wan set jois long provaeda o sevis.
Yu no fogetem blong askem ol famle memba o ol fren we yu stap sendem mani long olgeta blong olgeta tu bae oli talem ol isi wei mo sef wei blong risivim mani. Hemia bae i save givhan long yu blong yu mekem jois blong provaeda we yu wantem yusum. Yu save askem advaes long bos o employia blong yu, sapos yu trastem olgeta.
- Lanem blong luksave ol saen blong remitens frod o skam long ol kriminol. Yu save faenemoat ol wei we ol frodsta oli yusum plante blong trikim yu taem yu visitim protecting-yourself/social-engineering. Yu save faenem ol infomesen blong faenem olsem wanem yu save avoidem ol faenansol skam long fma.govt.nz.
- No letem ol pipol oli fosem yu blong yusum bank o remitens akaon blong yu, mo yu no givim bank kad o PIN/paswod long eniwan bakegen. Taem oli askem yu blong mekem olsem maet hem i wan atempt blong involvem yu long mani londering – we hemia hem i wan serios ofens – o wan kriminol aktiviti.
Yu mas yusum wan paswod we hem i yunik long sevis ia blong protektem remitens sevis blong yu, banking mo ol narafala faenansol sevis. (Sapos yu yusum semak paswod long moa long wan sevis mo wan long olgeta oli hakem, bae oli kriminol oli save aksesem evri akaon we oli serem semak paswod). Yu no serem login ditel blong yu wetem eni narafala pesen weta vebali, long wan imel, teks, DM o sosol media post. Wan responsibol remitens provaeda bae oli neva askem ol login ditel blong yu. Jekemaot ol advaes long sef kriesen mo yusum ol paswod long protecting-yourself/passwords
- Taem yu arenjem wan remitens wetem wan rejisted provaeda, bae oli askem yu blong provaedem samfala infomesen mo dokumen blong pruvum nem, det blong bet mo adres blong yu. Hemia oli rikwarem blong provaeda i save komplae wetem ol mani londering regulesen mo helpem yu blong mekem ol remitens oi sef. Hemia samtaem oli rife long hem olsem _’ Know You Customer’ ‘KYC’ precess.
- Oltaem yu jekem se remitenes blong yu oli risivim taem yu kontaktem ol famle/fren daerek mo tu konfemem ol notifikesen long sevis ia. Taem yu arenjem o diskasem remitens wetem ol famle/fren, yusum wan inkripted mesej app olsem WhatsApp mo tingting blong konfemem wan long wan fon kol. Yu neva kwotem wan akaon namba o paswos long ol mesej app, imel o DMS.
- Sapos yu stap long wan long ol Pasifik Aelan mo stap risivim mani long wan famle memba long Ostrelia, Niu Silan o long samfala ples, yu sud jekem weta ejen we bae yu kolektem fan long hem long kaontri blong yu hem i otoraesd blong provaedem sevis ia. Yu sud askem famle memba blong yu ia long Niu Silan o Ostrelia blong mekem sua se remitens provaeda ia we oli yusum hem i rejisted o gat laesens blong kam wan mani remita.
- Sapos yu kam vimtim blong aktual o alej frod, yu ripotem kwiktaem long polis. Sapos frod o teft i hapen olsem wan risal blong peimen long bank akaon blong yu, ripotem kwik taem blong oli save stopem muvmen blong mani ia mo go from pepetreta.
Ol narafala advaes blong helpem yu blong mekem ol sef onlaen remitens.
- Sapos yu plan blong mekem remitens long wan mobael app, mekem sua se yu yusum wan daonloded nomo long divaes app stoa blong yu: Apple’s App Stoa, Google Play o Microsoft Stoa. Ol app long ol anofisel sos we oli save kosem frod o aendentiti teft. Mekem sua blong jekem ol riviu long ol narafala yusa.
- Taem yu setemap long akaon wetem remitens o on narafala faenansol sevis provaeda, mekem ol strong paswod we yu no yusum long ol narafala akaon (i nogud wan i safa long data brij). Kipim ol paswod blong yu long yu wan nomo mo ol narafala oli no save fosem yu blong yusum olgeta be nomo taem yu stap log in long wan sevis we yu save se hem i stret. Mifala rikomnedem blong yu yusum wan onlaen paswod maneja we yu trastem blong givhan long yu blong storem mo rimemba ol paswod blong yu evriwan, be yu no raetem olgeta daon. Blong moa infomesen blong krietem mo protektem ol paswod blong yu, visitim protecting-yourself/passwords
- Yusum wan sevis wetem tu-fakta otentikesen (taem yu nid blong enterem wan PIN we yu risivim long teks o imel) bifo yu save kasem akses long akaon blong yu. Hem i moa sekua long wei ia.
- Taem oli promptem yu, oltaem apdeitem ol opereting sistem, softwe mo ol app long ol kompiuta mo mobael divaes. Taem yu impruvum yusa eksperiens blong yu, ol apdeit ia oli kontenem ol sekuriti fiks blong givhan long yu blong mekem ol sef transaksen. Yu save setemap ol opereting sistem, ol softwe program mo ol app blong apdeitem otomatikali blong mekem hem i moa isi.
- Oltaem yu apdeitem intenet sekuriti softwe o app (oltaem oli save olgeta olsem ‘antivaeres’) we yu lodem mo swijim on. Hemia hem i aplae long ol kompiuta, ol smatfon mo ol tablet – inkludum Apple divaes.
- Yu no klik long ol link insaed long ol imel, ol teks, ol post o ol DMs (daerek mesej) – o openem ol imel atajmen – i nogud oli lid i go long frodulen websaet o kosem yu blong daonlodem malwe. Tugeta oli save kosem frod o aendentiti teft, o tugeta.
- Sapos yu stapaot mo olbaot, avoid blong yusum Wi-Fi hotspots long kafe, ol ba, ol hotel mo ol narafala pablik ples blong remitens mo eni narafala peimen o ol faenansol transaksen. Hemia i from hotspot i no bin setap blong hem i ‘sekua’ o iven sapos hem i wan fek hotspot we wan frodsta i setemap. Yu save faenem moa infomesen long ol Wi-Fi hots long ol smartphones-tablets/wireless-networks-hotspots