<!DOCTYPE html>
<?php $pageTitle = "Scam Awareness"; include 'includes/public-header.php'; ?>

<main id="main-content">
<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Scam Awareness</h1><p class="db-page-hero-subtitle">Scammers are becoming more sophisticated every day. Learn to recognise the warning signs and protect yourself and your money.</p></div></section>

<!-- Common Scam Types -->
<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Stay Informed</span><h2 class="db-section-title">Common Scam Types</h2><p class="db-section-subtitle">Fraudsters use various tactics to trick you into sharing sensitive information or transferring money. Understanding their methods is your best defense.</p></div>
<div class="db-grid db-grid-3 db-mt-8">
  <div class="db-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-envelope"></i></div><h3 class="db-card-title">Phishing Emails</h3><p class="db-card-text">Fraudulent emails that appear to come from your bank, asking you to click a link and enter your login credentials on a fake website. These emails often create a sense of urgency, warning that your account will be closed unless you act immediately.</p></div>
  <div class="db-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-phone-alt"></i></div><h3 class="db-card-title">Vishing (Phone Scams)</h3><p class="db-card-text">Scammers call pretending to be from the bank's fraud department, claiming there is suspicious activity on your account and asking you to confirm your password, PIN, or one-time codes over the phone.</p></div>
  <div class="db-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-comment-sms"></i></div><h3 class="db-card-title">Smishing (SMS Scams)</h3><p class="db-card-text">Text messages that appear to be from your bank, containing a link to a fake website or a phone number to call. The message may claim there is a problem with your account or that a transaction needs your confirmation.</p></div>
  <div class="db-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-user-secret"></i></div><h3 class="db-card-title">Social Engineering</h3><p class="db-card-text">Manipulative tactics where scammers build trust over time, often through social media or messaging platforms, eventually convincing you to share financial information or send money.</p></div>
  <div class="db-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-laptop"></i></div><h3 class="db-card-title">Fake Banking Websites</h3><p class="db-card-text">Websites that look identical to the <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> login page, created to capture your username, password, and other sensitive details. Always check the URL in your browser's address bar.</p></div>
  <div class="db-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-gift"></i></div><h3 class="db-card-title">Prize & Lottery Scams</h3><p class="db-card-text">Messages claiming you have won a prize or lottery but must pay a processing fee or provide bank details to receive your winnings. Legitimate prizes never require upfront payment.</p></div>
</div></div></section>

<!-- Phishing & Social Engineering -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>How to Recognise Phishing and Social Engineering</h2><p>Phishing attacks and social engineering rely on deception rather than technical hacking. Here are the most common warning signs:</p>
<div class="db-grid db-grid-2 db-mt-6">
  <div><h3><i class="fas fa-exclamation-circle" style="color:var(--db-danger);margin-right:0.5rem;"></i> Warning Signs</h3><ul style="list-style:none;padding:0;"><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Messages that create urgency: "Your account will be suspended in 24 hours"</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Poor grammar, spelling mistakes, or unusual formatting</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Email addresses that look slightly off (e.g., @dbhacu-secure.com instead of @dbhacu.com)</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Requests to share your password, PIN, or one-time codes</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Links that don't match the official website address when you hover over them</li></ul></div>
  <div><h3><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> How to Verify</h3><ul style="list-style:none;padding:0;"><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Always type www.dbhacu.com directly into your browser</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Call our official phone number to verify any communication you receive</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Check your account by logging in through the official website, not through any link</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Forward suspicious emails to fraud@dbhacu.com for investigation</li></ul></div>
</div></div></section>

<!-- SMS/Email Scam Examples -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>SMS and Email Scam Examples</h2><p>Here are examples of common scam messages. If you receive anything similar, do not respond. Instead, report it immediately.</p>
<div class="db-grid db-grid-2 db-mt-6">
  <div style="background:var(--db-gray-50);border:1px solid var(--db-gray-200);border-radius:var(--db-radius-lg);padding:var(--db-space-6);">
    <h4 style="color:var(--db-danger);">Fake SMS Example</h4>
    <p style="font-family:var(--db-font-mono);font-size:var(--db-text-sm);color:var(--db-gray-700);background:var(--db-white);padding:var(--db-space-4);border-radius:var(--db-radius-md);border:1px solid var(--db-gray-200);">"DBH Alert: A new payee was added to your account. If this was not you, verify your identity immediately: http://dbh-secure-verify.com"</p>
    <p style="font-size:var(--db-text-sm);color:var(--db-gray-500);margin-top:var(--db-space-3);">This is a fake message. The link does not lead to our website, and we never send links asking you to verify your identity via SMS.</p>
  </div>
  <div style="background:var(--db-gray-50);border:1px solid var(--db-gray-200);border-radius:var(--db-radius-lg);padding:var(--db-space-6);">
    <h4 style="color:var(--db-danger);">Fake Email Example</h4>
    <p style="font-family:var(--db-font-mono);font-size:var(--db-text-sm);color:var(--db-gray-700);background:var(--db-white);padding:var(--db-space-4);border-radius:var(--db-radius-md);border:1px solid var(--db-gray-200);">From: "Deutsche Bank" security@dbhacu-alerts.com<br>Subject: URGENT: Unusual Login Detected<br><br>"We detected a login from a new device. If this was not you, click below to secure your account immediately."</p>
    <p style="font-size:var(--db-text-sm);color:var(--db-gray-500);margin-top:var(--db-space-3);">Note the sender email address is not from our official domain. We never use urgency to pressure you into clicking links.</p>
  </div>
</div></div></section>

<!-- What We Will Never Ask -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>What <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> Will NEVER Ask For</h2><p>If anyone claiming to be from our bank asks for any of the following, it is a scam. Hang up, delete the message, and report it.</p>
<div class="db-grid db-grid-4 db-mt-6">
  <div class="db-security-item animate animate-delay-1"><i class="fas fa-key"></i><h4>Your Password</h4><p>We will never call, email, or text you asking for your online banking password.</p></div>
  <div class="db-security-item animate animate-delay-2"><i class="fas fa-lock"></i><h4>Your PIN</h4><p>Your 4-digit transaction PIN should never be shared with anyone, including bank staff.</p></div>
  <div class="db-security-item animate animate-delay-3"><i class="fas fa-mobile-alt"></i><h4>One-Time Codes</h4><p>We will never ask you to read back a one-time verification code sent to your phone or email.</p></div>
  <div class="db-security-item animate animate-delay-4"><i class="fas fa-credit-card"></i><h4>Full Card Details</h4><p>We will never ask for your full card number, CVV, and expiry date over the phone or via email.</p></div>
</div></div></section>

<!-- How to Protect Yourself -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>How to Protect Yourself from Scams</h2>
<div class="db-grid db-grid-2 db-mt-6">
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-search"></i></div><h3 class="db-card-title">Pause and Verify</h3><p class="db-card-text">Scammers rely on creating panic. If a message feels urgent, take a moment to stop and think. Contact the bank directly using the official phone number on our website — not the number provided in the message.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-link"></i></div><h3 class="db-card-title">Don't Click, Type It</h3><p class="db-card-text">Never click on links in unsolicited emails or text messages. Instead, open your browser and type www.dbhacu.com directly into the address bar to access your account.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-card-title">Enable Every Security Feature</h3><p class="db-card-text">Turn on multi-factor authentication, login notifications, and transaction alerts from your dashboard. These provide an additional layer of protection even if your credentials are compromised.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-user-friends"></i></div><h3 class="db-card-title">Talk to Someone You Trust</h3><p class="db-card-text">If you are unsure whether a communication is genuine, discuss it with a family member or trusted friend before taking any action. A second opinion can help you spot red flags.</p></div>
</div></div></section>

<!-- CTA -->
<section class="db-section db-cta" aria-labelledby="cta-title"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title" id="cta-title">Think You've Been Targeted?</h2><p class="db-cta-description">If you believe you have received a scam message or shared sensitive information, report it immediately.</p><div class="db-cta-actions"><a href="report-fraud.html" class="db-btn db-btn-light db-btn-lg">Report Fraud Now</a><a href="customer-support.html" class="db-btn db-btn-outline-white db-btn-lg">Contact Support</a></div></div></div></section>
</main>

<footer class="db-footer" role="contentinfo"><div class="db-container"><div class="db-footer-grid"><div class="db-footer-brand"><img src="logo.png" alt="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>" width="160" height="40"><p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> provides secure personal banking, business banking, digital banking, transfers, cards, and wealth management to clients worldwide.</p></div><div class="db-footer-col"><h4>Personal</h4><ul class="db-footer-links"><li><a href="accounts.html">Accounts</a></li><li><a href="transfers.html">Transfers</a></li><li><a href="cards.html">Cards</a></li><li><a href="digital-banking.html">Digital Banking</a></li><li><a href="open-account.html">Open an Account</a></li></ul></div><div class="db-footer-col"><h4>Business</h4><ul class="db-footer-links"><li><a href="business-banking.html">Business Overview</a></li><li><a href="business-account.html">Business Accounts</a></li><li><a href="corporate-bank.html">Corporate Banking</a></li></ul></div><div class="db-footer-col"><h4>Security & Help</h4><ul class="db-footer-links"><li><a href="security-centre.html">Security Centre</a></li><li><a href="report-fraud.html">Report Fraud</a></li><li><a href="help-centre.html">Help Centre</a></li><li><a href="faq.html">FAQs</a></li><li><a href="customer-support.html">Customer Support</a></li></ul></div><div class="db-footer-col"><h4>Company</h4><ul class="db-footer-links"><li><a href="about-us.html">About Us</a></li><li><a href="careers.html">Careers</a></li><li><a href="investor-relations.html">Investor Relations</a></li><li><a href="contact.html">Contact Us</a></li><li><a href="account/login.html">Log In</a></li><li><a href="account/register.html">Register</a></li></ul></div></div><div class="db-footer-bottom"><div class="db-footer-copyright">&copy; <span class="footer-year">2024</span> <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>. All rights reserved.</div><div class="db-footer-legal"><a href="privacy-policy.html">Privacy Policy</a><a href="terms.html">Terms of Use</a><a href="cookie-policy.html">Cookie Policy</a><a href="accessibility.html">Accessibility</a><a href="sitemap.html">Sitemap</a></div></div></div></footer>
<script src="plugin/jquery.min.js"></script><script src="plugin/bootstrap/js/bootstrap.bundle.min.js"></script><script src="assets/js/landing.js"></script>
<script>document.querySelector('.footer-year').textContent=new Date().getFullYear();</script>
<?php include 'includes/public-footer.php'; ?>
