www.quickhealfoundation.org



 




Contents
About Quick heal Foundation................................................................................................... 01
Introduction.................................................................................................................................. 02
Loan Application Fraud.............................................................................................................. 03
Matrimony Fraud......................................................................................................................... 05
Job Fraud....................................................................................................................................... 08
Sextortion...................................................................................................................................... 11
Financial Frauds........................................................................................................................... 13
Cyber Bullying.............................................................................................................................. 15
Task Fraud..................................................................................................................................... 17
Social Media Marketplace Fraud............................................................................................. 19
New Fraudulent Scheme Alert: Beware of New Tactics Used by Fraudsters.................. 21
Stay Vigilant! Protect your future............................................................................................ 22
ABOUT
QUICK HEAL
FOUNDATION
Quick Heal Foundation is the CSR
arm of Quick Heal Technologies
Limited, India's leading
cybersecurity products and
Solutions Company. We have
leveraged over 25 years of
experience in simplifying security
to chart a brand new course in our
journey – towards 'Securing
Futures'.

Our initiatives in corporate social

responsibility address pressing
challenges to development
outlined by the United Nations
Sustainable Development Goals.
Through efforts aimed at
promotion of education, and
employment enhancement,
vocational training & cybersecurity
awareness, we seek to provide
innovative and technology- based
solutions to these global hurdles.
Implemented by the Quick Heal
Foundation, each of these
initiatives go on to help ensure a
future with a promise of success
and security for all.


 
 Introduction
Cyber Scams are nothing new!
Every day, con artists are looking for the highest “Marks.” And if you think you are a student or
not worth being a cybercrime target? Think Again!
Hackers don’t care about how much balance you have in your bank accounts. They try to steal and
make money out of it. Be it your identity or your financial data, for them, everything is valuable.
They’re counting on you thinking you’re not a target!
They try to get all your information and can also frame you as a target, which can further penalize
you for the crimes you haven’t committed. So, beware of the cyber threats and don’t be a cyber
victim. Stay alert!
To keep you safe from all threats, Information Technology Act 2000 was passed which was
introduced to recognize, mitigate and prevent cyber threats. So if you have been cheated online or
have become a victim of cybercrime, you should be aware of this act to take further needed
actions.
Many cybercrimes are frequently reported including cyberstalking, pornography, morphing,
online harassment, defamatory or annoying messages, trolling or bullying, blackmailing, threat or
intimidation, email spoofing, impersonation, etc.
This booklet is a complete guide for students to understand more about cyber frauds in the cyber
world and how to stay safe & secure digitally.


 
 Loan
Application
Fraud

This kind of fraud is targeted at low-income groups/poor people who need less money and have
nothing to mortgage or guarantor to support.

How to identify a fraudulent person/app?

A loan of small amounts (2000 – 25000) is offered without any guarantor, mortgage, or
documentation
A loan is provided without asking or immediately when you seek the same.
Sometimes just an inquiry is enough to deposit money in your account
You will continuously receive lucrative offers through email, phone, text message, WhatsApp
message
No one will meet you in person or share their office address

How to prevent victimization?

Never trust apps/links shared on social media
No one offers a loan without documentation, guarantor, or mortgage
Insist on visiting the office in person
Do not believe in existing customer’s video bytes without meeting the person.
Check details of the organization offering loans on the internet by visiting their website, local
address, contact details, and office bearer’s names, contact details etc.


 
 Steps to be taken
in case of
victimization
Once the victim realizes self-victimization, one should stop responding to the fraudster. A
fraudster can pass on your details to other syndicates who can use your morphed photo to extort
money.

One must ensure to follow these steps after they fall into the trap.

01 02
Do not panic if you Inform your contacts
receive threatening about this fraud and ask
calls/messages & stop them not to pay on your
paying further behalf

03 04
Even your contact list may Collect/compile all
receive threats along with evidence like call/chat
their morphed photos, but history, payment history,
don’t panic; instead, report to etc.
the police

05 06
Do not delete any evidence Report to nearest cyber
like an app, links shared, or police station / take help
the number of fraudsters from the local police
helping police to further station
investigate and act

07 08
Do not hide anything from For reporting, you can call
police helpline 1930 (By Ministry of home
affairs, Government of India) or Report
a complaint on the National
cybercrime reporting portal
https://cybercrime.gov.in/


 
 Matrimony
Fraud
This fraud can go hand in hand with customs fraud & usually happens with a person looking for
life partner through matrimony sites

How to identify a fraudulent person?

Recent/new lucrative No social media details are They gain trust and
profile (5 –15 days old) shared, or if shared, the convince the victim that
highlighting income from profile is recent with no family members stay
job/business minimal friends. with them; hence,
communication with
Photographs show All communication family members is not
luxurious lifestyle – selfies happens on Audio or possible.
in front of a bungalow, WhatsApp calls. If you
swimming pool, 5-star insist on video calls, it
hotels, and malls wearing happens outside the
branded outfits, watches, home/office – mostly in
and other accessories. public places with lots of
noise.


 
 How to
prevent
victimization?

Never trust a proposal Insist on checking their

without personal social media accounts
meetings/video calls with and friend lists. Also, do
family members. not forget to check friend
list of friends

Never send money even in Never accept any gifts

case of a medical emergency, without meeting in person
if you have not met the
person

Remember, custom officers If the gift is genuine, it will

never ask for online reach your city (the Post
settlement without the office where your address
formality of filling out forms. belongs)

You will never receive a call A call from the post office will
from customs in Delhi, ask you to visit the post office,
Mumbai, or any such place pay charges and get your gifts


 
 Steps to be taken
in case of
victimization
Once the victim realizes they have been cheated, the person becomes anxious and starts retaliating
by denying paying. Then fraudster starts blackmailing by intimidating morphed images and videos,
sharing them with their friends and relatives, lodging complaints for defaulting payment, etc.

The following steps must be taken after victimization:

01 02
Stop responding Do not
to the fraudster pay further

03 04
Collect/compile Report to the
all evidence like nearest cyber
call/chat history, police station and
payment history, take help from the
etc. local police station

05 06
Do not delete evidence like the Do not hide anything
app, links shared, or the from police
number of fraudsters – this
helps police investigate and act

07 08
Call helpline 1930 (By Ministry Report the complaint on
of home affairs, Government the National cybercrime
of India) reporting portal
https://cybercrime.gov.in/


 
 Job
Fraud

Victims of these frauds can be fresher or experienced both. In job fraud, the fraudster convinces
aspirants that they can get the job if they can pay amounts ranging from Rs.5K onwards after judging
their paying capacity.

How to identify fraudsters?

Receive a call from someone in higher positions like HR Head, Sales Head,
etc.
The interview will be telephonic.
Straightforward questions would be asked
You will be praised during the interview for your knowledge,
achievements, or for any personal reason
You will be informed about your selection in the same interview call
You are offered a salary more than your expectations with lots of
perks/facilities


 
 How to
prevent
victimization?
Never trust apps/links/websites shared on social media
Even if you receive an offer letter, visit the company, and confirm about
the offer letter
None of the heads will call and conduct interviews on the same call.
Never agree to pay for training. No company seeks any training charges
separately.
You may get less salary or no salary during the training period
In the case of remote /WHF mode of working, never pay.
Be careful while sharing your account details. Do not share card details –
it is not required to transfer salary to your account


 
 Steps to be taken
in case of
victimization
Once the victim realizes they have been cheated, the person becomes anxious and starts retaliating
by denying paying. Then fraudster starts blackmailing by intimidating morphed images and videos,
sharing them with their friends and relatives, lodging complaints for defaulting payment, etc.

The following steps must be taken after victimization:

01 02
Stop responding Do not
to the fraudster pay further

03 04
Collect/compile Report to the
all evidence like nearest cyber
call/chat history, police station and
payment history, take help from the
etc. local police station

05 06
Do not delete evidence like the Do not hide anything
app, links shared, or the from police
number of fraudsters – this
helps police investigate and act

07 08
Call helpline 1930 (By Ministry Report the complaint on
of home affairs, Government the National cybercrime
of India) reporting portal
https://cybercrime.gov.in/


 
 Sextortion
This crime has been happening for the last 5-6
years. When smartphones grappled the
market, everyone had smartphones, and video
calls became common practice. In this crime,
the target shares nude videos/photos, which
are used by a fraudster to blackmail the victim
by making a threat to make it viral and share it
with friends & relatives.

How to
prevent
this fraud?
Never share high-resolution photos or videos on social media
Never publicize your lonely/single status on social media
Never use your real name and other details on apps like tinder
Never respond to video calls from unknown numbers
Never allow your intimate photos/videos to be captured by anyone
In case you must attend a video call from an unknown number,
ensure to cover the camera


 
 Steps to be taken
in case of
victimization
Once the victim realizes they have been cheated, the person becomes anxious and starts retaliating
by denying paying. Then fraudster starts blackmailing by intimidating morphed images and videos,
sharing them with their friends and relatives, lodging complaints for defaulting payment, etc.

The following steps must be taken after victimization:

01 02
Stop responding Use the report
to the fraudster and block
option on
social media.

03 04
In the case of FB, Inform all your social
Instagram, or similar media connections
about cybercrime
media, ask all your and not to respond
social media friends to any call/message
to do the same from you unless you
call them personally
on a regular call.

05 06 07
Collect/compile all evidence Do not delete evidence Report to nearest cyber
like call/chat history, payment like the app, links shared, police station/take help
history, etc. or the number of from the local police
fraudsters – this helps station
police investigate and act

08 09 10
Do not hide anything from Call helpline 1930 Report the complaint on
police the National cybercrime
(By Ministry of home affairs,
reporting portal
Government of India)
https://cybercrime.gov.in/


 
 Financial
Frauds
People lose their money from the accounts without sharing any details. If you receive a message
stating your bank balance is zero, visit your bank and inform bank officers about the same. Fill
dispute form and do not share OTP or any other details on call.

How to identify?
You will receive a call (sometimes message) creating a sense of urgency
for various reasons like ATM card blockage, electricity cut, or bank
account deactivation
You will be asked to pay through the link
You will be asked to share details like date of birth, mother’s name,
address etc.
You will be asked to share details like OTP / PIN /code.
You will be asked to share your debit/credit card number, CVV (Customer
Verification Value), etc.
You will be asked to download the app / click on the link / provide access
to your device by pressing some keys
For emails, check for the use of English as it may not have proper
grammar or have a few spelling mistakes


 
How to prevent?
Never believe on phone calls or messages. Bank never asks for your personal
details

Never share OTP (One Time Password) to unknown person. Police or Banks will
be helpless if you share your OTP

Similar to OTP, CVV number, mother’s maiden name, birth dates are also used
as password or answer to secret questions.

What to do in
case of
victimization?

Fill the dispute form Report to nearest cyber

1 at Bank 5 police station/take help from
the local police station

Inform police Do not hide anything

2 station/cyber cell 6 from police

Collect/compile all Call helpline 1930 (By

evidence like call/chat Ministry of home affairs,
3 7
history, payment history, Government of India)
etc.

Do not delete evidence Report the complaint on

4 like the app, links shared,

8 the National cybercrime
or the number of reporting portal
fraudsters – this helps https://cybercrime.gov.in/
police investigate and act


 
 Cyber
Bullying

It is an act of harassing, threatening, and embarrassing people with the use of technology.
Online bullying is harmful as anonymous persons, or a known person usually does it but
hides their identity.

Cyberbullying can occur through SMS, Text, and apps, or online in social media, forums, or
gaming where people can view, participate in, or share content.

Symptoms of cyber bullying victim

Considerable increase or decrease in usage of a mobile, laptop or tablet
Sudden deactivation of their social media accounts or opening of new ones
Hiding of the device screen when others are close by
Display of emotional responses such as sadness, anger, depression, withdrawal symptoms
The tendency to avoid discussion on online activities

Targeted strata of people

Mostly children, shy students, intelligent students who are introvert


 
How prays are identified? & how people get into trap?
Target is identified by sending a friend request on social media and communicating through
WhatsApp. Sometimes, the target is identified offline, and cyberbullying is started by forming a
group of people.

Bullying is often done by juveniles without knowledge of cybercrime and its consequences. This act
is done out of fun or to take revenge.

The following steps

must be taken after
victimization

Stop responding to Report to nearest cyber

1 the fraudster. 5 police station/take help from
the local police station

Share everything with Do not hide anything

2 your family/friend or 6 from the police
anyone trustworthy

Collect/compile all Reporting can be done in the

evidence like call/chat ways below - Call helpline 1930
3 history, payment history,
7 (By Ministry of home affairs,
etc. Government of India)

Do not delete evidence Report the complaint on

like the app, links shared, the National cybercrime
4 8
or the number of reporting portal
fraudsters – this helps https://cybercrime.gov.in/
police investigate and act


 
 Task
Fraud

Online task fraud typically involves trapping victims by luring those who are looking for
work-from-home opportunities or another source of income in their spare time, offering
them simple tasks to be performed and promising money in return.

How to Identify Fraudulent Person/App?

Unsolicited Messages: Usually begins with unsolicited messages, mostly on
WhatsApp or Telegram.
False Promises: Offers work-from-home opportunities with flexible hours, requiring no
experience or specific skill set.
Cloned/Phishing Websites: The message may include a link to a company website, which
is a cloned or phishing website of some reputed company.
Payment Methods: Offers payment on a daily or weekly basis, sometimes in cryptocurrency.
False Trust Building: In the initial days, you may receive payment to gain your trust.
Requests for Payment: To earn more money, you will be asked to pay premium charges,
usually slightly less than what you have earned to date.
Payment Process: You will be asked to make payments using various methods like scanning
multiple QR codes, net banking, etc. Each time, you will be told that the payment was
not successful.


 
 How to
prevent
victimization?
Avoid Unsolicited Messages: Be cautious of unsolicited messages
promising high-paying for simple tasks or work-from-home
opportunities.
Check Website Legitimacy: Verify the website address and its legitimacy
before proceeding.
Confirmation Before Payment: If asked to make a payment, avoid doing
so without confirming the legitimacy of the company.

Steps to be taken
in case of
victimization.
Once the victim realizes they have been cheated, the person becomes anxious and starts retaliating
by denying paying. Then fraudster starts blackmailing by intimidating morphed images and videos,
sharing them with your friends and relatives, lodging complaints for defaulting payment, etc.

Following steps must be taken after victimization:

Stop responding to Report to nearest cyber

1 the fraudster! 5 police station and take help
from the local police station

Do not hide anything

Do not
2 pay further! 6 from police

Collect/compile all Call helpline 1930 (By

evidence like call/chat Ministry of home affairs,
3 history, payment history, 7
Government of India)
etc.

Do not delete evidence Report the complaint on

4 like the app, links shared,

8 the National cybercrime
or the number of reporting portal
fraudsters – this helps https://cybercrime.gov.in/
police investigate and act


 
 Social Media
Marketplace
Fraud

Marketplace fraud involves making false or misleading claims through a company, such as
exaggerating product or service qualities in advertising, selling imitations as genuine products,
or concealing negative aspects or side effects. False advertising is a common form of
marketplace fraud.

How to Identify Fraud:

Attractive advertisements with lucrative offers.
Unusual products not commonly found on popular platforms like Amazon or Flipkart.

How to Prevent Marketplace Fraud:

Assess the product's quality and value compared to its price.
Verify the legitimacy of the seller and the authenticity of the product before
making a purchase.

Attempt to communicate with the seller through their official

website before placing an order.


 
 Steps to be taken in
case of victimization

Do not panic if you become Preserve all evidence, such

a victim of marketplace
as apps, links shared, or
1 fraud. Cease further 5 contact details of the
communication and
fraudsters, to assist the
transactions with the
police in their investigation.
fraudster.

Inform your contacts about Report the incident to the

nearest cyber police station
2 the fraud and instruct them
6
not to engage or make or seek assistance from your
payments on your behalf. local police station.

Cooperate fully with law

Even your contacts may
receive threats along with 7 enforcement and provide
them with all the necessary
3 manipulated images, but
it's important not to panic. information.
Instead, report such
incidents to the police.
For reporting, you can call the
helpline 1930 (provided by the
Gather all evidence Ministry of Home Affairs,
4 including call/chatb 8 Government of India) or
histories, payment submit a complaint on the
records, etc. National Cybercrime
Reporting Portal:
https://cybercrime.gov.in/


 
 New Fraudulent
Scheme Alert:
Beware of New
Tactics Used by
Fraudsters

Recently, a new method of fraud has emerged, exploiting individuals by falsely claiming that a
courier containing drugs has been received in their name or sent by them. Another scam
involves informing individuals that their son or daughter has been detained for attending a rave
party, demanding money to resolve the situation.

How to identify a fraudulent person/app?

Unusual claims of receiving a courier containing illegal substances.
Claims of a family member being detained for attending a rave party.
Demands for immediate payment to resolve the situation.

How to prevent victimization?

Never trust unsolicited messages or calls claiming legal trouble.
Verify claims through official channels before taking any action.
Refuse to make any payments without verifying the authenticity of the claims.
Insist on meeting in person at official address, if the situation seems suspicious.


 
 Steps to be taken in
case of victimization

Do not panic or Do not delete any evidence,

1 make any further 4 including apps or links
payments shared by the fraudsters.

Inform your contacts Report the incident to

about the fraud and the nearest cyber police
2 advise them not to pay 5 station or local police
on your behalf. station.

Gather all evidence, Contact helpline 1930 (By Ministry

of Home Affairs, Government of
3 including call/chat 6 India) or report a complaint on the
history and payment
details. National Cybercrime Reporting
Portal https://cybercrime.gov.in/

Stay Vigilant!
Protect your future

Do not Use licensed

use free wi-fi and updated antivirus

Do not store Use strong password

passwords on and change it
phone frequently

Download apps Don’t use

from trusted app torrent sites

Use licensed and

updated
operating system


 
Quick Heal Foundation
Regd. Address: S. No. 207/1A, "Solitaire Business Hub", C Build-
ing, 7th Floor, Office No 7010 Viman Nagar, Pune - 411014
Contact: +91-20-41467229
E-Mail: contact@quickhealfoundation.org
Website: www.quickhealfoundation.org