First let’s separate frauds from scams. They may sound like the same thing but there are some differences. Fraud is basically the unauthorized use of your account, your identity or your information without your permission. This could be to steal money, or it could be to obtain the information needed to steal money. In all these cases you didn’t give permission for the actions the fraudster has taken. In a scam you have personally authorised access to your information, your security and/or identity and probably, your funds too.

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Scams keep getting more sophisticated. Be very careful and NEVER give out your key information (passwords, account details, memorable questions or PIN numbers) online or over the phone. Kaldi will never ask for this information and we will NEVER ask you to move money to a ‘secure’ account.

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Make sure you have auto-updates enabled for the app so that the latest security is installed. Report any suspicious activity to us. If someone calls you ‘from Kaldi’ ask them to make an appointment to call via email or our in app chat. Do not disclose your email address over the phone to the caller in these circumstances – if the call ‘from Kaldi’ is legitimate we won’t be asking for your email address!

Avoid clicking on suspicious links. If you are told that something needs fixing ‘urgently’ please treat that as a red flag. You can always ask someone for their name and number and say that you will call them back. Scammers often hang up at this point.

USE THE KALDI APP RESPONSIBLY

 Please understand that the in-app security is there for a reason. Do not keep any passwords, PIN numbers or memorable answers to security questions on or near your phone and do not share this information under any circumstances. Do not have the same password for multiple devices and try and make sure that passwords & security questions are not easily guessable from your Social Media accounts. Use 2FA (two factor authentication) to make sure you are secure, and activate biometrics. Report suspicious activity on your account. If you didn’t spend it – tell us! Scammers often start with a small amount and then ramp the amounts up if they detect that you don’t keep a regular eye on your spending.

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In Kaldi you will never be asked to pay in advance by phone or email to unlock a discount, or to send money outside the app. You can only spend with retailers which are listed on the app. If they are not on the app they are fake. If someone calls you trying to sell you a discount on Kaldi – they are fake! Do not respond and block the number. In Kaldi you only pay using the payment function inside the app.

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BEWARE OF INVESTMENT SCAMS

You can invest in a range of index funds and money market funds via the Kaldi app. Kaldi will NEVER contact you about other investments which are not listed in the app or are only available to special customers or for a limited time only. Any investment calls of this type are fake! Please remember that you can only invest via the Kaldi app, into our range of appropriate funds from reputable providers.  

THIRD PARTY PAYMENTS

In the Kaldi app you can make payments to other Kaldi app users who are in your phone contacts. This is a convenience feature only. It is designed to help pay for your share of a night out or to split a bill etc. You can only send money this way, you cannot request it. Make sure that any money you send is going to the correct person and that the amount is correct.

Phishing – These are fake emails trying to convince you toprovide money or information or to click on a link which will install malware(bugs) or to direct you to a fake website. Look out for!

• Urgency or Secrecy
• The involvement of the Police or Law Enforcement
• Poor spelling or slight differences in the way things are phrased.
• Email addresses which are not exactly right. www.kaldiapp.co.uk is correct. www.kaldiiapp.co.uk is not!
• Requests for personal information or up front funds.

If in doubt – call Kaldi directly using only the number on our official website or contact us directly in the app.

Smishing and Vishing – are scam SMS messages or voice calls. If you bought something through Kaldi be aware that Kaldi has nothing to do with deliveries or the terms of a purchase which are between you and the retailer. If you get an email from Kaldi about deliveries then it’s a fake!

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Be very careful if you get a call ‘from Kaldi’. We will never ask you to move your money to a ‘safe’ account or ask for passwords or the answers to your security questions. If you are suspicious – just call us back using the ‘contact us ’function in the Kaldi app.

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Kaldi tech support acts to help users with legitimate issues using the Kaldi app. That means that you are contacting Kaldi support. Kaldi support will never contact you asking to take over your device or to install upgrades over the phone or email.

Here are our FIVE GOLDEN RULES:

1. Never share passwords or answers to security questions – even with your own family –and activate all Kaldi security features AND the security features on your IT hardware or phone.
2. If you get a call or email that asks you for money or personal information about your Kaldi account – hang up or delete the email and get in touch with us via the app.
3. Don’t click on links or downloads unless you are very sure they are genuine.
4. Think carefully about what services Kaldi provides. We are a shopping and investing app. We will never email you or phone you about deliveries or special offers or ask for money. If the call is ‘from Kaldi’ but relates to something unusual or outside the scope of our services, it is a fake!
5. Report all suspicious activity to Kaldi through the app as soon as possible. Make sure that you don’t share passwords – but if you have made that basic security mistake you will have to make rapid changes to your other accounts and apps.

USE KALDI RESPONSIBLY – PLEASE DON’T BE A VICTIM OF WHISHING!

WHISHING is wishing you had been more careful with your personal information, passwords, email security, ID protection and that you had not lost money as a victim of PHISHING, SMISHING or VISHING through avoidable errors which you made by not stopping to think or by not following in app protocols.

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If in doubt – call Kaldi directly using only the number on our official website or contact us directly in the app.