Staying Safe With Crypto

Understanding third party investment risks and scam warning signs At Pay It Now, our role is to provide access to digital asset services including buying, selling, and transferring crypto assets. We do not provide financial advice and we do not endorse, promote, or partner with third party investment platforms, managed accounts, trading bots, or any scheme that promises returns.

Digital assets are high risk by nature. You can lose some or all of your money. It is important to understand the risks involved and to remain cautious when engaging with any third-party platform or individual outside of the PIN platform.

For full details on how these risks are managed within our platform, please refer to our Terms and Conditions and Risk Disclosure , available on our website.

Be cautious of unrealistic return claims

If a third-party platform, individual, or group is promoting guaranteed profits, unusually high returns, or low risk outcomes, this is a significant red flag.

No legitimate crypto investment can guarantee returns or remove risk.

Check regulator warnings before you invest

Before engaging with any third party platform or opportunity, we strongly encourage checking official regulator warnings and alert lists.

These resources publish information about known scams, unregistered businesses, and high risk activity.

Australia

ASIC MoneySmart Investor Alert List

https://moneysmart.gov.au/check-and-report-scams/investor-alert-list

New Zealand

Financial Markets Authority warnings and alerts

https://www.fma.govt.nz/library/unregistered-businesses/

How the PIN platform manages risk

To meet our AML, fraud prevention, and regulatory obligations, Pay It Now applies a risk based approach to monitoring and customer due diligence.

Where credible indicators of scam activity, fraud, or regulator warnings are identified, we may take steps including

requesting additional information about source of funds, source of wealth, or transaction purpose
applying restrictions on deposits, withdrawals, or transfers
delaying or refusing transactions where required for compliance or client protection
blocking transfers to addresses or services reasonably believed to be linked to scams or fraud
closing an account where risk cannot be adequately mitigated

These measures are designed to protect both our customers and the integrity of the network.

Steps you can take to protect yourself

do your own research and seek independent advice from a licensed adviser if needed
never share your wallet seed phrase or private keys with anyone
be cautious when moving assets to third party wallets or platforms you do not fully understand
if something feels wrong, stop immediately and do not send further funds
contact our support team as soon as possible if you have concerns

If you believe you have been targeted or scammed

Act quickly. Early reporting can improve the chances of limiting losses.

Report a scam to the Financial Markets Authority

https://www.fma.govt.nz/scams/report-a-scam/

Department of Internal Affairs scam reporting guidance

https://www.dia.govt.nz/spam-how-to-report-scams

Report scams or misconduct via ASIC MoneySmart

Important notice

This information is general only and is not financial advice. You are responsible for your own decisions and for assessing the legitimacy and risks of any third-party platform before transferring assets off the PIN platform.

For legally binding terms, platform controls, and risk disclosures, please refer to our Terms and Conditions .

For full details on how these risks are managed within our platform, please refer to our Terms and Conditions and Risk Disclosure , using the link below

Risk Statement

Daniel Rawiri

Head of Marketing and Merchant services at Pay It Now

https://payitnow.io

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Risk Disclaimer: Investing in cryptocurrencies carries inherent risks and there are no guarantees of returns. It is crucial to exercise caution and conduct thorough research before making any investment decisions. Pay It Now does not provide investment advice or endorse any third party investment, staking, lending, or yield platform. Use of third party services is at your sole risk, including risks of loss, hacking, insolvency, or withdrawal restrictions.