Promises are made
If something sounds too good to be true, it usually is. Often scams will offer or promise you something that sounds unbelievably good to entice you to engage. Things like fast, easy money or quick effortless solutions to your problems are often the bait of choice.
You’re asked to act
When you receive a scam email or phone call, whatever it is they’re offering you will usually involve some action on your part. They might ask you to open something on your computer, click a particular link, or give them some further information.
Note: you should never provide your pin numbers or passwords over the phone – it seems obvious, but even those who are aware of scams can still be duped into providing private information.
There’s a lot of pressure
Unless it’s a fairly elaborate scam, most of them will involve some kind of pressure put on you, whether they claim it’s very urgent or they use emotional blackmail. Scammers often pressure you to act right away and it’s important that you don’t give in to the pressure. If you’re unsure, tell them you’ll call them back or ask someone else what they think of the situation.
The wording doesn’t look right
This one applies mostly to email scams, but sometimes you can tell over the phone if someone is speaking unprofessionally. Keep an eye out for spelling mistakes or incorrect information in emails you suspect involve a scam, and if there’s a link within, don’t click it, just hover your mouse over it and the URL should come up in the corner of your screen. If it looks off and doesn’t include the legitimate website of the company, it’s likely a scam.
You’re asked for sensitive information
Most banks will often tell you that they will never ask you for your pin number or password over the phone, so if someone calls claiming to be from your bank and asks for this information, it’s likely a scam. Even if it seems legitimate, you can make sure by hanging up the phone and calling your bank directly to check.
Hopefully you never have to deal with a scam, but if you do, make sure you’ve read up on scams in New Zealand and you know the warning signs. If you’re not sure, you can always do a quick Google search of the company the caller/sender is claiming to be from and type ‘scam’ after it. This should bring up some information on scams that have happened in the past involving that situation or company and hopefully shed some light. If in doubt, hang up, don’t respond, don’t click links or act on anything until you are 100% sure it is legitimate.
Every year, people make a New Year’s resolution to get their finances in order. Whether…
As 2022 comes to a close, you’re likely ready to wind down and relax. You…
Teaching kids about money will make a huge difference to their own perception of money…
Fill out your details below and someone from our friendly team will be in touch soon.
"*" indicates required fields
Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years (c) all people without a qualifying delivery address.
Or,
Refer someone else to complete a financial review with any of Haven’s advisers for any service during the entry period and if they complete the review you will receive one entry each into the Competition.
The Winners will be determined by Haven Financial Advisers and will be final and no correspondence will be entered into.
The Winners will be notified by email, phone (voice or text), mail or in person. Where attempts to contact a Winner fail (e.g. when the Winner cannot be contacted by phone after three attempts or mail sent is returned) Haven Financial Advisers will select another winner. If, after successful notification, the prize is not collected within two months of being announced, it will be regarded as forfeit. (Note: 3 attempts to contact the Winner will include individual calls to any numbers provided at the time of entry.
Where the Winner is required to claim the prize in person, they must provide proper identification (eg driver’s licence, passport, birth certificate).
The Winner takes the Prize entirely at his/her own risk and indemnifies Haven Financial Advisers in respect of any claim for any accident, injury, property damage or loss of life that may occur in connection with the prize. The Winner is responsible for all insurance, tax or other costs that may be associated with the Prize. Where the Prize has associated terms and conditions the Winner accepts the Prize subject to those terms and conditions and restrictions.
The Prize must be taken as stated and no compensation will be payable if the Winner is unable to use the Prize as stated.
The Promoter (Haven Financial Advisers Limited) will not be liable for any prize(s) that do not reach the winners for reasons beyond the Promoter’s reasonable control. Where a prize is being supplied by a third party, the Promoter accepts no responsibility in connection with the provision of the prize, including without limitation, the failure of the winner to receive ownership of, or use of, the prize or any performance issues associated with the prize.
The Promoter will not be liable for failure to provide (or delay in providing) the Prize resulting from any events, circumstances or causes beyond its reasonable control, including but not limited to acts of god (natural disasters), acts of war or terrorism, national emergencies, issues of public health and safety, pandemic, mechanical breakdown, industry disputes, riots or failure of communication or power supply or voluntary or involuntary compliance with any regulation, law or order of any government.
Prizes may be subject to additional terms and conditions imposed by a third party.
The Promoter will not be responsible for any loss or damage suffered by entrants or anyone else as a result of, arising out of, or in any way connected with the Promotion or its prizes.
The Promoter collects and holds personal information provided by entrants for the purposes of administering this Promotion and for future Promoter promotional purposes. All personal information provided by entrants will be held by the Promoter and will not be provided to third parties unless otherwise specifically set out. Under the Privacy Act 2020, entrants have the right to access and correct their personal information.
The Haven Travel Promotion is only open to legal residents of New Zealand who are eighteen (18) years of age or older.
Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years.
The Competition begins on Monday 13th March 2023 to Wednesday 31st May 2023.
Complete a financial review with any of Haven’s advisers for any service during the entry period and you will receive one entry into the Competition.
The final winner will be drawn on Monday 5th June via random selection by Haven Financial Advisers.