Cyber Fraud: how to recognize them and protect yourself.

In this section, 3Rooks Money S.p.A. tries to helps you understand the main cyber threats and adopt the best practices to safeguard your data and your savings.

Common Types of Fraud:

• Phishing: Fraudulent emails or websites that mimic official ones;
• Smishing: SMS messages with dangerous links or data requests;
• Vishing: Phone scams from fake operators;
• Website Cloning: Counterfeit pages that look like real portals.
• Find out the full list of fraud types at the following link – click here

Warning:

• 3Rooks Money S.p.A.’s operators will never ask for passwords, access codes, or personal data for any reason—whether via phone, email, or SMS;
• All official communication takes place via the internal messaging system, accessible from your reserved area on the website or app;
• If you receive a suspicious message, do not share any information or click on links, and contact us immediately for verification.

Tips on how to better protect yourself:

• Always verify the sender’s identity;
• Use only official channels to access your services (Reserved area or App);
• Protect your devices with antivirus software and updated them on a regular basis;
• Do not save credentials on browsers or shared devices.
• Keep your credentials in a secure way, do not share them.

Financial Education: the more you know, the better you protect yourself

Investing in your financial awareness means investing in your security. The 3Rooks Money S.p.A. promotes financial literacy with dedicated resources to help you:

Understand Payment Instruments and Digital Services;

What is a payment instrument?

A payment instrument is a tool that allows you to make payments or transfer money. The main ones include:

• Payment account (e.g., IBAN to send/receive funds);
• Cards (debit, credit, prepaid);
• Apps and wallets (e.g., Apple Pay, Google Pay, PayPal)

Advantages and Risks of Payment Instruments:

Best Practices

✅ Always verify the website where you enter your data
✅ Use virtual cards for online purchases
✅ Never save your data on unsecure websites

Know Your Rights and Duties as a Financial Services User;

How to read a product information sheet:

• Start from the summary of economic terms;
• Check for clauses in bold or with asterisks;
• Review the frequency of charges (monthly, annually, per use).

Safeguard PINs, Passwords, and OTPs;

• Store PINs, passwords, and OTPs securely;
• Immediately report any anomalies or unauthorized transactions to 3Rooks;
• Never share your credentials with anyone.

Recognize Authorized Operators and Report Unauthorized Ones;

1. Check the official website: look for the registered company name or registration number;
2. Verify the existence of a physical contact or legal headquarters.
3. Be wary of:
   • Promises of quick and high returns;
   • Contact only via social media or chat;
   • Unprofessional websites or poorly written content.

When in Doubt

• 🚫 Don’t send money
  🚫 Don’t sign anything
  ✅ Save screenshots and suspicious messages
  ✅ Report immediately to:
• 3Rooks Money S.p.A. via internal messaging
• the appropriate Authorities