Dispela advise em ol compilim lon conjuncsion wainatim British High Commission insait lon New Zealand lon helpim yu lon wokim ol gutpela sios.
Wanem ol samthing lon avoidim:
- Peim ol unnecasari bigpela fee lon remitanse. Plis vistim www.sendmoneypacific.org on kisim infomasion na advise, lukim tamblo lon ‘Safe remittances’.
- Potental nugut availibiliti/reliabiliti blon ol agen wei ol stap wei klostu lon wei ol famili blon yu stap, lon deliverim ol moni wei yu transferim.
- Fraud:
- Taim ol trickim ol thru lon imail, text, DM (direk mesage), sosol media post o lon ol man o meri, wei wanpela fraudsta em posim em yet olsem wanpela moni remita.
- Carelesli allowim wanpela skama lon gainim acess igo lon bank akount o online remitanse servis, lon stealim ol funds blon yu taim ol withdrawim moni o mekim wanpela peimen wei yu ino authorisim.
- Taim ol giamanim yu lon participat insait lon wanpela kriminal acitviti (kain olsem moni launderin).
Safe remitanse
- Yu gen olgeta taim usim wanpela registad o lisensed remitanse provida. Ol provida husait em ino registad lon kain wok em operat illekali. Insait lon New Zealand, lon exampal, yu gen checkim wetha wanpela provida em stap lon dispela Financial Service Providers Register lon https://fsp-register.companiesoffice.govt.nz Ol tu insait lon New Zealand mas kamap memba blon ol authorised Dispute Resolution Scheme (DPS) dispela em lon taim wei igat problim lon ol remitanse servis ol providim. Yu gen panim infomasion lon dispela lon https://fsp-register.companiesoffice.govt.nz/help-centre/dispute-resolution-schemes-drss/choosing-a-dispute-resolution-scheme.
- Ol remitanse provida insait lon ani kain Pasifik kantri mas registad o gat lisense insait lon dispela kantri o ol kantri wei ol operat lon em; any kain ol unregistad o unlisense provida em ol operat illekali na dispela ol fund em ol ino transferim gut lon safe wei.
- Olsem na em preferabal lon usim wanpela registad remitanse servis na lon sendim ol cash moni stret. Sapose yu mas usim cash moni, tasol, yu inonap lon comitim igo lon ol kainkain lain, grup o ‘couria’ yu ino save lon ol, wei ol offerim lon kisim igo bek lon famili o fren lon kantri blon yu. Na tu, ensurim olsem yu gat receit na checkim ol detail gut tru.
- Igat namba blon ol resourse yu gen usim lon helpim yu lon choosim wanpela remitanse provida. Yu mas harim o usim dispela ol wel-knon ol remitanse kompani kain olsem Western Union o Moneygram, tasol igat ol arapela remitanse provida wei ol operat insait lon Pasifik, na wanpela blon ol em gen suitim ol circimstansis blon yu gut. Lon helpim yu, visitim www.sendmoneypacific.org, em wanpela websit ol setim up thru lon wanpela combin efort blon New Zealand na Australian Government-led initiativ lon ‘Reducing the Cost of Remittances to the Pacific’. Dispela websit save comparim ol diferen remitanse provida lon showim yu wanem kain provida save offerim o, gutpela exsans rate na fee, na ol moa apropriat kain blon servis wei em meetim ol nids blon yu. Dispela websit tu save answerim plenti ol quesion yu wei yu nid lon save lon wanem kain wei ol remitanse save wok, na helpim yu lon wokim ol gutpela sios lon skelim ol provida o servis.
- Noken lus tingting lon askim ol famili memba o fren husait yu save remitim moni igo lon em, lon panim aut wanem kain wei em isi na safe stret lon ol gen receivim dispela ol fund. Dispela gen helpim yu lon wokim ol sois blon yu lon choosim wanpela ritepela provida. Yu gen tu askim ol employia blon yu lon sampela advise, sapose yu bilip olsem em ol trustworti.
- Lanim lon recognisim ol sign blon ol remitanse fraud o ol arapela skam wei ol kriminal save wokim. Yu gen panim aut moa lon ol kain comon wei ol fraudsta save traim lon giamanim yu wei yu gen lukim lon our Social Engineering advice page on this website. Yu gen tu panim infomasion lon wanem kain wei lon avoidim ol finansal skam lon www.fma.govt.nz.
- Noken larim ol persuadim yu lon larim ol arapela lain lon usim bank akount o remitanse akount blon yu, na noken givim ol bank kad o PIN/paswod blon yu igo lon ol kainkain lain wei yu ino save lon em. Taim ol askim yu lon wokim dispela kain samthing em meanim olsem ol laik traim lon involvim yu wokim moni launderin – wei em wanpela serios ofense – o ol arapela kriminal activiti.
- Yu gen tu protectim ol remitanse servis, bankin na ani kain finansal servis akount blon yu taim yu usim wanpela paswod wei em unique igo lon dispela kain servis. (Sapose yu usim wanpela sem paswod lon plenti ol servis na wanpela ol hackim, ol kriminal gen usim dispela lon acessim olgeta akount blon yu wei em sharim dispela wanpela paswod). Noken sharim wanpela sem login detail blon yu igo lon ol kainkain lain thru lon verbali, insait lon imail, text, DM o sosol media post. Wanpela responsibal remitanse provida em bai inonap tru askim lon login adress blon yu. Checkim aut ol advise blon mipela lon safe creasion na use blon ol paswod lon at our Passwords advice page on this website.
- Taim yu arrangim wanpela remitanse waintaim ol wanpela registad provida, ol bai askim yu lon providim sampela kain infomasion na documen lon provim olsem nem blon yu, mama karim dei na adress. Dispela em ol requirim wei dispela provida gen compli waintaim ol anti-moni launderin regulasion na helpim lon makim ol remitanse blon yu moa safe. Sampela taim ol save kolim dispela olsem ‘Know Your Cusoitmer’ o ‘KYC’ proses.
- Olgeta taim checkim ol remitanse blon yu wei ol famili/fren blon yu receivim direckli, na tu checkim lon ol confimasion notificasion lon dispela servis. Taim yu arrangim o discussim remitanse waintaim ol famili/fren, usim ol encryptad mesage app kain olsem WhatsApp na considerim lon confirmim thru lon fone kol. Noken quotim ol akount namba o paswod insait lon ol mesage app, imail o DM.
- Sapose yu stap lon wanpela Pasifik Islan na rececivim ol fund lon wanpela famili memba insait lon Australia, New Zealand o lon ol narapela hap, yu nas checkim wetha dispela agen yu intendim lon collectim ol fund em authoris insait lon kantri blon yu lon providim dispela kain servis. Yu mas tu askim famili memba blon yu lon New Zealand o Australia lon ensurim olsem dispela remitanse provida em ol usim em registad o gat lisense lon hap olsem wanpela moni remita.
- Sapose yu kamap wanpela victim blon fraud or stil pasin, reportim hariap tru igo lon polis. Sapose fraud o stil pasin em kamap lon resul blon wanpela peimen lon bank akount blon yu, repotim igo lon bank hariap tru wei ol gen stopim movmen blon dispela moni na pursuim ol dispela perpatrato.
Ol arapela advise lon helpim yu mekim safe online remitanse
- Sapose yu planim lon mekim wanpela remitanse thru lon usim ol mobil app, ensurim olsem yu usim wanpela daunloadad wan tasol lon app stoa stap lon devise blon yu: Apple App Store, Google Play o Microsoft Store Ol app lon ol unofisal sourse gen resul lon fraud o stealim identiti. Mekim sua lon checkim ol review lon ol arapela usar.
- Taim yu setim up ol akount waintaim remitanse o ol arapela finansal provida, devisim wanpela strongpela paswod yu bai inonap usim lon ol arapela akount (em taim wanpela em gat data breash). Keepim ol paswod blon yu stap klsotu tru lon yu yet na noken tingting lon usim nating-nating tasol ol lon taim wei yu laik login igo insait lon wanpela servis yu save olsem em authentik. Mipela recomendim olsem yu usim wanpela reputabal online paswod managa lon helpim yu storim na rememberim ol dispela paswod blon yu, insted lon writim ol daun. Lon infomasion lon creatim na protectim ol paswod, visitim our Passwords advice page on this website.
- Usim wanpela servis waintaim ol two-facto authenticasion (wei yu nid lon enterim wanpela PIN yu receivim thru lon text o imail) bipo yu gen gainim acess igo lon akount blon yu. Em moa sekure lon kain wei.
- Taim ol promptim yu, olgeta taim yu mas updatim ol operatin systim, sopware na app lon ol komputa na mobil devise. Na tu lon improvim ol usar experiens, ol updat usuali save containim ol securiti fixis lon helpim yu lon mekim ol transacsion moa safe. Yu gen usuali setim up ol operatin systim, sopware progkram na app lon updatim em automatikali lon mekim ol wok blon yu moa isi.
- Olgeta taim yu mas gat up-tu-date intanet securiti sopware o app (wei ol save kolim ‘antivirus’) loadad na stap switsh on. Dispela appli lon ol komputa, smatfone na tablet – includim ol Apple devise.
- Avoidim lon clickim ol link insait lon imail, text, post o DM (direck mesage) – o lon openim imail atachmen – wei nugut ol gen leadim igo wanpela fraudulen websit o causim yu lon daunloadim malware. Tupela waintaim gen resul lon fraud o lon stealim identiti, o tupela waintaim gen kamap.
- Sapose yu raun an stap autside, avoidim lon usim ol Wi-Fi hotspot insait lon safe, bar, hotel na ol arapela publik ples lon wokim remitanse na ani kain arapela peimen o finansal transacsion. Dispela em becos ol hotspot em ol ino setim lon stap olsem ‘sekure’, na tu ol fraudsta em creatim wanpela fake hotspot lon trickim ol lain lon usim na givim aut ol infomasion blon ol. Yu gen pain moa infomasion lon Wi-Fi hotspot lon our Wi-Fi advice page on this website.