How to spot a scam, protect your accounts and data, and what to do when something has already happened.
Steps to take in the first hours after paying a scammer: call the bank, block the recipient's account, gather evidence, file a police report with a template, file a lawsuit, and explore options for the Polish diaspora with realistic chances of recovery.
Verification of an offer in ten minutes: photos, property registration, records, and a control call, followed by the differences between a deposit and an advance payment, what to include in the contract, and payment methods to ensure chargeback in case of fraud.
14 days to withdraw and its exceptions, complaints regarding non-compliance with the contract, lack of universal return rights in the USA, and the FTC's 30-day rule, along with customs on small packages after 2025 and 2026, as well as purchases by the Polish diaspora in Polish stores.
What to do in the first minutes, hour, and day after paying a fraudulent store, which payment methods offer a chance for a refund, how chargeback works, what the bank is not obligated to return, and where to report fraud in Poland and the USA.
The caller ID is declared by the sender and is not verified by the network, allowing for spoofing of bank, police, or government numbers; this article explains how CLI spoofing works, what changes were made by the 2023 law, what the UKE list of 'incoming only' numbers is, why Poland filters instead of authenticating, and where to report suspicious calls.
A phone call about a loan allegedly taken out in your name, followed shortly by a 'bank security department' and an email with a forged ID. The scheme described by the Police and FinCERT.pl ZBP in December 2025: how it works, what a bank never does, how to verify an advisor in the app, and what blocking your PESEL number provides.
Phantom accommodation, virtual guesthouses, hijacked hotel accounts on Booking, and 'additional payments' for legitimate reservations after leaks from Hotres and Booking.com. Eight types of scams, real messages from scammers, a warning signals table, and tips for renters.
How to distinguish a legitimate fundraiser from a scam. Checking in KRS, on public fundraising portals, in the OPP register, and using the IRS tool. Safe payment methods and what to do after donating to a fake fundraiser.
How many characters a password should have according to NIST and CERT Polska, why periodic password changes are harmful, how a password manager works, which second factor is resistant to phishing, and what passkeys really are, with instructions for Google, Apple, Microsoft, Facebook, WhatsApp, and banks.
Clone of a well-known brand, one-time store, Facebook advertisement. How to check a seller in Poland and the USA in a few minutes: phone, registries, VAT white list, domain age, reviews, and trust seals. Plus, rules for safe shopping on OLX, Vinted, Allegro, and Marketplace.
Someone took over your email, Facebook, or Instagram? Step-by-step plan: first 5 minutes, 15 minutes, hour, and 24 hours. Recovery for Google, Microsoft, Meta, WhatsApp, and Apple, protection against SIM swap, reports in Poland and the USA.
Blocking your PESEL number: instructions in mObywatel and on gov.pl, methods for people living abroad, a table of what is blocked and what is not, temporary unblocking, and regulations. Legal status: October 23, 2026.
A voice on the phone sounds like a grandchild, but it's a scammer. Learn how voice cloning and deepfake work, how to verify the caller, family passwords, a guide for seniors on the phone, and where to report scams in Poland and the USA.
Fake recruiters, work for likes, checks to be sent back, packages to be repackaged. Check warning signs, verify the company in Poland and the USA, and learn where to report fraud.
A hotel photo, boarding pass, and tagged location are enough to prepare a credible message 'from the bank.' This article explains how OSINT and spear phishing work, how to remove location data from photos, and what steps to take if you receive a suspicious call from your bank, PESEL, CERT 8080, FTC, or IC3.
A quarter of a million computer fraud incidents in 2025 according to CERT Polska; current schemes and your rights include a refund for unauthorized transactions by the end of the next business day (art. 46), the burden of proof on the bank (art. 45), 13 months to report, free Financial Ombudsman service, number 8080, and PESEL and card blocking.
Nearly 160 million PLN lost in 2025 and new methods: video calls with a fake 'police officer' (police warning from July 21, 2026) and AI voice cloning. Security measures can be set up remotely: blocking PESEL, bank limits, family BIK alerts, family password – and what to do minute by minute when it happens.
An explanation of a tax fraud scheme where students and individuals under 26 are encouraged to sign fake invoices or contracts for services they never performed, including red flags, criminal consequences, and how to respond and report (KAS).