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Index/Topics/Referral Program Scams

Referral Program Scams

Scams masquerading as legitimate referral programs to harvest personal and financial information

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Jan 18, 2026
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How do legitimate referral programs differ from ‘free gift’ scams in terms of data collected and verification methods?

Legitimate referral programs collect limited, transaction-relevant identity and contact data and layer risk-based verification to preserve conversion while preventing abuse, whereas “free gift” survey...