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Don't be fooled by claims that the offer is legal or has government approval—many scammers will tell you this. Scammers and fraudsters play upon the universal desire to win big… with lottery, sweepstakes and contest scams designed to put money in their pockets… as they profit by making you pay premium text or phone rates, bogus “fees” or hidden costs.

Instead of receiving a grand prize or fortune, you will lose every cent that you send to a scammer. Even worse, many of these scams are designed SPECIFICALLY to steal your banking and other personal information… after which the fraudsters cash in by stealing from you or holding your data for ransom.

Many lottery scams try to trick you into providing your banking and personal details to claim your prize.

You should not have to pay any fee or tax to claim a legitimate prize.

The scammers make their money by making you pay fees or taxes, call their premium rate phone numbers or send premium text messages to claim your prize. Don’t give away your banking information or any other personal information — EVER. In a typical pyramid scheme, unsuspecting investors are encouraged to pay large membership fees to participate in moneymaking ventures.

These premium rate calls can be very expensive, and the scammers will try to keep you on the line for a long time or ask you to call a different premium rate number. The only way for you to ever recover any money is to convince other people to join and to part with their money as well.

We’ve distributed more than 100,000 printed copies to Canadians, and our online version has been visited or downloaded from the Competition Bureau’s website more than 250,000 times.

I am very grateful to the Australian Competition and Consumer Commission, who originally developed The and telephone scams.

But there is no guarantee that you will recoup your initial investment.You may receive a phone call, an email, a text message or see a screen on your computer. You’ve just won a lottery/a cruise/a shopping spree/a BRAND… Here’s a “winning” formula: Only buy legitimate tickets for lotteries… Examine all of the terms and conditions of any offer very carefully—claims of free or very cheap offers often have hidden costs.There are often costs involved with claiming your prize, and even if you do receive a prize, it may not be what was promised to you. Be wary of premium rate phone numbers or premium texts Don’t send money for fees or taxes to people you don’t know and trust… Calls to premium rate phone numbers or premium text messages can be very expensive.Although pyramid schemes are often cleverly disguised, they make money by recruiting people rather than by selling a legitimate product or providing a service.Pyramid schemes inevitably collapse and you will lose your money.

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