A Brief History of Nigerian Yahoo Boys Scammers – 2024

A Brief History of Nigerian Yahoo Boys Scammers

The Rise of Yahoo Boys: Exploring the Phenomenon of Scams, Scammers, and Cybercrime in Nigeria

History of Scams – A SCARS Institute Insight

Author:
•  Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

Article Abstract

Yahoo Boys are Nigerian cybercriminals involved in internet fraud, also known as Yahoo-Yahoo. This practice involves scams such as advance-fee fraud, phishing, and romance scams.

Yahoo Boys primarily target foreign victims, and their rise is driven by socio-economic issues like high unemployment and poverty in Nigeria. While some view them as opportunists seeking wealth in a difficult economy, others, especially religious and moral leaders, strongly condemn their actions as illegal and immoral. The practice has severely impacted Nigeria’s global reputation and led to increased scrutiny of Nigerian nationals abroad.

Efforts to combat Yahoo-Yahoo face significant challenges, including corruption and the sophistication of cybercrime tactics, but remain essential to addressing the root causes of this widespread issue.

The Rise of Yahoo Boys: Exploring the Phenomenon of Scams, Scammers, and Cybercrime in Nigeria

The Rise of Yahoo Boys: Exploring the Phenomenon of Scams, Scammers, and Cybercrime in Nigeria

Introduction

In the 21st century, the alarming surge of internet-based fraud, popularly known as “Yahoo-Yahoo,” has captured widespread attention in Nigeria. This form of cybercrime, dominated by individuals known as “Yahoo Boys,” involves deceiving foreign victims, or “Magas,” to extract financial assets through internet scams. Yahoo Boys operate primarily through fake identities, emails, and fraudulent schemes, using the internet as a platform for global deception. The proliferation of this criminal activity has cast a shadow on Nigeria’s reputation, both domestically and abroad, as one of the leading countries involved in cyber fraud.

Yahoo-Yahoo has become endemic in Nigerian society, particularly due to the increasing availability of internet access. A significant number of individuals, including students and graduates, have been drawn into this illicit activity, often driven by high unemployment and economic frustration. The rise of Yahoo Boys presents a complex problem with socio-economic, cultural, and even historical dimensions.

Origins and Evolution of Yahoo-Yahoo

Yahoo-Yahoo has its roots in earlier forms of fraud, such as “419 scams,” which are named after the section of the Nigerian criminal code dealing with fraud. While 419 scams typically involved more traditional methods of fraud, such as fake investment opportunities and lottery scams sent through postal mail, Yahoo-Yahoo represents an evolution into the digital age. Yahoo Boys primarily rely on internet platforms, email, and social media to target their victims, making it easier to reach a broader and more vulnerable audience.

Some Yahoo Boys have justified their actions by citing the colonial history of exploitation, claiming that they are recovering wealth stolen from their ancestors by European colonizers. Others believe that they are reclaiming money that was wrongfully borrowed from their forefathers. These narratives, though flawed, have influenced the motivations of many cybercriminals engaged in Yahoo-Yahoo.

The term “Yahoo Boy” is derived from the popular email service Yahoo!, which was one of the primary platforms used by early cybercriminals. Over time, the term has expanded to encompass a wide range of internet fraudsters who use a variety of tactics and platforms to deceive their victims.

The Methods and Tactics of Yahoo Boys

Yahoo Boys employ a wide range of strategies to defraud their victims. They often create fake online personas, posing as wealthy individuals, romantic partners, or business professionals. Romance scams, for example, are a common method used by Yahoo Boys. In these scams, the fraudster builds an emotional connection with the victim over time, eventually requesting financial assistance under the guise of a fabricated emergency or personal need.

Another tactic used by Yahoo Boys is the creation of fake investment opportunities, particularly in areas like cryptocurrency or real estate. Victims are lured with promises of high returns on investments, only to lose their money to these fraudulent schemes.

Scammers also employ psychological manipulation, using tactics such as love bombing, where they overwhelm victims with affection, or by creating a sense of urgency to coerce their targets into making hasty financial decisions. The ability of Yahoo Boys to adapt their strategies has made it increasingly difficult for victims and law enforcement agencies to identify and stop these scams.

Socio-Economic Factors Behind the Rise of Yahoo Boys

One of the driving forces behind the rise of Yahoo Boys is the high rate of unemployment in Nigeria. Many young graduates and even undergraduates find themselves without reliable job opportunities after completing their education. Faced with a lack of economic prospects, some turn to cybercrime as a means of survival or wealth acquisition. This issue is exacerbated by the widening gap between the rich and poor in Nigerian society, where displays of wealth are often glamorized.

The Yahoo Boys culture is also fueled by peer influence and societal pressure. In many cases, individuals are drawn into the world of cybercrime by friends or family members who are already involved. The extravagant lifestyles of successful Yahoo Boys, who flaunt their ill-gotten wealth through luxury cars, designer clothes, and lavish parties, serve as a powerful allure for young people seeking to escape poverty.

The Role of Technology and Internet Accessibility

The rapid growth of internet accessibility in Nigeria has played a significant role in the rise of Yahoo-Yahoo. As internet penetration has increased, more individuals have gained access to the tools needed to perpetrate cybercrime. Mobile phones, laptops, and high-speed internet connections have made it easier for Yahoo Boys to operate from virtually anywhere.

Public internet access points, such as cybercafés, were once the primary hubs for Yahoo Boys to conduct their operations. However, as mobile internet access has become more widespread, scammers can now operate more discreetly and efficiently. The anonymity provided by the internet makes it challenging for authorities to track and apprehend these cybercriminals.

The Intersection Between Yahoo Boys and West African Terrorist Organizations

Predominantly driven by economic motives, these cybercriminals have, in certain instances, intersected with terrorist organizations in the region, leading to concerns about potential collaborations and financial support.

Terrorist Organizations in West Africa

West Africa has witnessed the proliferation of terrorist groups, notably Boko Haram and the Islamic State’s West Africa Province (ISWAP). These organizations engage in various illicit activities, including kidnappings, bombings, and armed assaults, posing significant security challenges in the region. Their operations are often funded through a mix of local criminal activities and external support..

Potential Links Between Yahoo Boys and Terrorist Funding

Yahoo Boys and terrorist organizations operate within the criminal landscape of West Africa, direct evidence of systematic financial collaboration is limited. However, the convergence of cybercrime and terrorism is a growing concern:

      • Shared Networks: Both entities utilize similar networks for money laundering and illicit transactions, taking advantage of weak financial regulations and pervasive corruption.
      • Funding Mechanisms: Terrorist groups have been known to engage in various forms of cybercrime to fund their operations. For instance, the Islamic State & Hamas have used cyber tools to finance their activities.

According to the U.S. Department of Justice: “Terrorist networks have adapted to technology, conducting complex financial transactions in the digital world, including through cryptocurrencies.”

      • Exploitation of Cybercriminals: Terrorist organizations exploit the expertise of cybercriminals for their operations, including propaganda, recruitment, and financial scams.

Challenges in Establishing Direct Connections

Despite these concerns, establishing a direct and systematic link between Yahoo Boys and terrorist organizations is challenging due to:

      • Operational Secrecy: Both groups operate clandestinely, making it difficult to trace interactions or financial transactions between them.
      • Overlapping Activities: While both engage in illicit activities, their objectives and methods may differ, with cybercriminals primarily seeking financial gain and terrorists pursuing ideological goals.

The intersection of cybercrime, as exemplified by the Yahoo Boys, and terrorist organizations in West Africa presents a multifaceted challenge. While direct evidence of financial collaboration is limited, the potential for overlap in networks and activities necessitates vigilant monitoring. Addressing this nexus requires a comprehensive approach, including strengthening financial regulations, enhancing cybersecurity measures, and fostering international cooperation to combat both cybercrime and terrorism in the region.

The Nexus Between Yahoo Boys and Black Axe Confraternity

In Nigeria, the convergence of cybercriminal activities, epitomized by the “Yahoo Boys,” and the operations of organized groups like the Black Axe Confraternity presents a multifaceted challenge. Both entities have significantly contributed to the nation’s security concerns, with intersections in their operations, recruitment, and socio-economic impacts.

Overview of Black Axe Confraternity

Originating in 1977 at the University of Benin, the Black Axe Confraternity began as part of the Neo-Black Movement, promoting anti-colonialism and pan-Africanism. Over time, the group evolved into a more sinister entity, often described as a “mafia-style gang” involved in activities ranging from cybercrime, election fraud, human trafficking, illegal drug trading, and violence.

Connections Between Yahoo Boys and Black Axe

While both groups operate within Nigeria’s criminal underworld, direct evidence of a formal alliance is limited. However, notable intersections include:

      • Cybercrime Activities: Both entities are implicated in cyber fraud. Black Axe, for instance, has been involved in internet scams, with some members participating in elaborate fraud schemes.
      • Recruitment and Overlap: There are instances where individuals are members of both groups. Reports indicate that some youths join cults like Black Axe with the intent of learning fraudulent practices, viewing it as a means to economic empowerment.
      • Violence and Enforcement: Black Axe is notorious for its violent activities, which it uses to exert control and influence. While Yahoo Boys primarily engage in non-violent cybercrime, the environment of impunity and lawlessness fostered by groups like Black Axe can indirectly support the operations of cybercriminals.

Implications

The intersection of cybercrime and organized violence poses significant challenges to Nigeria’s security and socio-economic stability. The activities of these groups have led to loss of lives, perpetuated fear, and hindered economic growth. Addressing this nexus requires a comprehensive approach, including:

      • Strengthening Law Enforcement: Enhancing the capacity of security agencies to investigate and prosecute cybercrime and organized violence effectively.
      • Community Engagement: Involving local communities in prevention efforts, providing education on the dangers of joining such groups, and promoting alternative livelihoods.
      • International Collaboration: Partnering with global entities to share intelligence, track illicit activities, and implement coordinated strategies to combat these transnational threats.

While the Yahoo Boys and Black Axe Confraternity may not have a formalized partnership, their overlapping activities in cybercrime and organized violence amplify Nigeria’s security challenges. A concerted effort that combines law enforcement, community involvement, and international cooperation is essential to mitigate the threats posed by these groups and restore stability and security to affected regions.

Yahoo Boys Targeting Teens and the Emerging Threat of Sextortion

As technology continues to evolve, so do the tactics of cybercriminals. One of the more recent and alarming trends involves Yahoo Boys shifting their focus toward sextortion scams, particularly targeting teenagers. Sextortion, a form of blackmail where cybercriminals coerce victims into sending explicit material and then threaten to release it unless paid, has become an increasingly prevalent scam tactic among these internet fraudsters. This not only exploits the vulnerabilities of young people but also presents severe psychological and emotional risks for the victims.

What is Sextortion?

Sextortion is a type of online scam where perpetrators, like the Yahoo Boys, manipulate victims into sending sexually explicit images or videos, often through deceit and emotional manipulation. Once the victim shares compromising material, the scammer threatens to publicly release it unless a ransom is paid. This extortion method has become particularly concerning because it specifically preys on the young, vulnerable, and tech-savvy generation, many of whom are unprepared to handle such sophisticated manipulation.

The Tactics Used by Yahoo Boys in Sextortion

Grooming and Manipulation: Yahoo Boys often use fake identities to pose as attractive peers or potential romantic partners. They engage their targets in seemingly innocent conversations, gradually building trust. Over time, they steer the conversation into a more personal, romantic, or sexual direction, coaxing the victim into sharing explicit images or videos. This process of grooming, which can take weeks or even months, is designed to break down the victim’s defenses.

 Fake Profiles: One of the main tactics used by Yahoo Boys is where they create fake social media profiles or use stolen photos to pose as someone else. By presenting themselves as an attractive or caring individual, they manipulate their teenage victims into believing they are in a legitimate relationship. The emotional connection makes the victim more willing to send explicit material.

 Creating a Sense of Urgency: Once the Yahoo Boys acquire compromising images or videos, they immediately switch tactics. They threaten the victim with public humiliation, telling them they will send the explicit material to family members, friends, or even post it online unless the victim pays a ransom. To increase pressure, scammers often create a sense of urgency, giving the victim limited time to comply with their demands.

Use of Social Media Platforms: Yahoo Boys frequently exploit popular social media platforms like Instagram, Snapchat, and TikTok to target teens. These platforms offer anonymity and the ability to create multiple profiles, making it easy for scammers to initiate contact without suspicion. Additionally, many teens feel more comfortable sharing personal content on these platforms, making them prime targets for sextortion.

The Impact of Sextortion on Teen Victims

Sextortion scams can have devastating consequences on teen victims. Unlike many other types of scams that focus purely on financial gain, sextortion targets the emotional well-being and mental health of the victim.

Emotional Trauma: Victims of sextortion often experience intense fear, anxiety, and shame. The threat of their private material being released to the public can lead to severe emotional distress, and in some cases, even suicidal thoughts. Many victims feel isolated and unable to seek help due to the stigma attached to the situation.

Psychological Effects: The psychological toll of sextortion is profound. Teenagers, who are still developing their sense of self and emotional resilience, may struggle to cope with the manipulation, blackmail, and threats involved. This can lead to long-term effects such as depression, anxiety disorders, and trust issues in future relationships.

 Financial Exploitation: Though sextortion is primarily emotional blackmail, Yahoo Boys often demand financial payments as a form of ransom. Teenage victims, desperate to prevent the release of their images, may resort to stealing from their families or using savings to pay off their extortionists. Even after paying, victims are often subjected to ongoing demands, further entrenching the cycle of exploitation.

Why Yahoo Boys Target Teens

The shift of Yahoo Boys toward sextortion of teens stems from several factors:

Vulnerability and Naivety: Teens are particularly susceptible to online manipulation due to their relative inexperience and vulnerability. Most teens lack the knowledge or foresight to recognize the signs of a scam, making them easier targets for cybercriminals.

The Appeal of Instant Gratification: Teenagers often seek instant validation and gratification online, particularly through social media platforms. This desire for connection and recognition can make them more likely to trust a stranger online or fall for the flattery that comes from cybercriminals posing as potential romantic partners.

Limited Legal Repercussions: Yahoo Boys may view teens as “low-risk” targets, as they are less likely to report the crime to authorities or parents due to fear of embarrassment or punishment. This hesitance to seek help gives scammers more power over their victims and allows them to extort without immediate legal consequences.

The Nigerian Cultural View of Yahoo Boys and Yahoo-Yahoo Practices

The phenomenon of Yahoo Boys, referring to individuals involved in cyber fraud, has had a significant and complex impact on Nigerian culture. Yahoo-Yahoo, as the practice is commonly known, elicits a range of opinions across different segments of Nigerian society. While some view the Yahoo Boys with disdain for their criminal activities, others, particularly among the younger and less privileged populations, may see them as resourceful individuals attempting to escape poverty and unemployment. This mix of moral, economic, and societal factors creates a multifaceted cultural response to the Yahoo-Yahoo practices in Nigeria.

Yahoo Boys as a Symptom of Economic Hardship

One of the most significant drivers behind the emergence of Yahoo Boys is the high rate of unemployment and economic inequality in Nigeria. Many young Nigerians, especially university graduates, face bleak job prospects after completing their education. This lack of opportunity, combined with widespread poverty, has led some to turn to cybercrime as a means of survival or as a way to achieve wealth and success.

For this reason, there is a segment of Nigerian society that views Yahoo Boys with a certain degree of understanding or empathy. These individuals see Yahoo-Yahoo as a response to a system that has failed to provide economic opportunities for the younger generation. In this context, some people may rationalize or excuse the criminal behavior of Yahoo Boys, considering it a necessary evil in the face of extreme poverty and unemployment.

However, while this is a valid issue let us not forget that Yahoo Boy culture is also predominantly driven by greed.

The Glamorization of Yahoo Boys in Popular Culture

In Nigerian pop culture, particularly through music, movies, and social media, Yahoo Boys are sometimes depicted in a glamorous light. They are portrayed as successful, wealthy, and powerful individuals who have outsmarted the system. Popular Nigerian musicians, such as Naira Marley, have even faced controversy for allegedly promoting or glorifying Yahoo-Yahoo practices in their lyrics. Naira Marley’s song “Am I A Yahoo Boy?” became a cultural flashpoint, highlighting the tensions between legality and societal perceptions of wealth acquisition.

In some communities, especially among youth, Yahoo Boys are admired for their apparent success and the luxurious lifestyles they lead. These individuals often flaunt their ill-gotten wealth through flashy cars, designer clothes, and extravagant parties. This display of wealth can make Yahoo Boys seem like role models to others who aspire to escape poverty quickly, particularly in a society that often equates financial success with social status.

Moral and Religious Condemnation

Despite the appeal of wealth and success, a significant portion of Nigerian society, especially religious and moral leaders, strongly condemns the practices of Yahoo Boys. Both Christian and Islamic teachings in Nigeria denounce fraud, theft, and deception as sins. Religious leaders frequently speak out against Yahoo-Yahoo, emphasizing that it is not only illegal but also immoral, as it exploits and harms innocent victims.

This moral condemnation is often echoed by older generations and more conservative elements of society. Many Nigerians believe that the actions of Yahoo Boys tarnish the reputation of the country, perpetuating negative stereotypes about Nigerians as fraudsters. For these individuals, Yahoo-Yahoo is not just a legal issue but a reflection of declining moral values among the youth. They argue that the pursuit of quick, dishonest wealth erodes the integrity of Nigerian culture and promotes a harmful mindset of greed and selfishness.

However, perhaps surprisingly, many major Nigerian churches have been and still are involved in money laundering for the Yahoo Boys.

Community Responses: Mixed Feelings

At the community level, the response to Yahoo Boys can vary greatly depending on local circumstances. In some areas, particularly in poorer regions, Yahoo Boys may be seen as local heroes or benefactors. They often use their wealth to provide for their families or even the broader community, engaging in philanthropy or offering financial assistance to those in need. This can create a complex relationship where the community benefits from the actions of individuals engaged in illegal activities, blurring the lines between right and wrong.

In contrast, in more affluent or middle-class areas, there may be a stronger emphasis on the negative aspects of Yahoo-Yahoo. People in these communities are more likely to view cyber fraud as a stain on Nigeria’s international reputation and a serious crime that harms both its victims and the country at large. These communities may advocate for stronger law enforcement and educational initiatives to steer young people away from cybercrime.

The Nigerian cultural view of Yahoo Boys and Yahoo-Yahoo practices is highly diverse, shaped by economic, social, and moral factors. While some segments of society, particularly those affected by poverty, may view Yahoo Boys with sympathy or even admiration, others—especially religious and moral authorities—strongly condemn the practice for its violation of ethical and religious principles. At the same time, the government and law enforcement face significant challenges in curbing the rise of cybercrime due to issues of corruption and uneven justice. Ultimately, the phenomenon of Yahoo-Yahoo reflects deeper issues of economic hardship, social inequality, and the tension between traditional values and modern influences in Nigeria.

Government Efforts and Challenges

The Nigerian government and law enforcement agencies have taken a firm stance against Yahoo-Yahoo, recognizing its detrimental impact on both the national economy and Nigeria’s international image. Agencies like the Economic and Financial Crimes Commission (EFCC) have been actively involved in arresting and prosecuting Yahoo Boys, and there have been several high-profile raids targeting cybercriminals. In 2023 they achieved a record number of almost 5,000 arrests, but this is still a drop in the bucket of the estimated one million scammers/cybercriminals operating in Nigeria.

However, there is also widespread public skepticism regarding the effectiveness of law enforcement efforts, with accusations of corruption and selective justice. Some believe that wealthier Yahoo Boys can bribe their way out of legal trouble, leading to the perception that only lower-level criminals are punished. This has further complicated the public’s view of Yahoo-Yahoo, as it feeds into existing frustrations with corruption and inequality in the country.

The Nigerian government has made efforts to combat cybercrime through legislation and law enforcement. However, these efforts have been met with significant challenges and a constant backdrop of political corruption that cripples the agency with every new Nigerian President. The sheer scale of Yahoo-Yahoo operations, combined with the technological sophistication of the scammers, makes it difficult to effectively curb the problem.

Additionally, corruption within the government and law enforcement agencies has hindered the fight against cybercrime. In some cases, Yahoo Boys are able to bribe their way out of legal consequences, further perpetuating the cycle of fraud. Even when convicted, Nigerian courts often allow the criminal to pay a fine and walk away.

Yahoo-Yahoo and Nigeria’s International Reputation

Yahoo-Yahoo has had a significant impact on Nigeria’s international reputation, with the country often being associated with internet fraud in global media and discourse. This has led to the stigmatization of Nigerian nationals abroad, making it harder for law-abiding Nigerians to obtain visas or engage in legitimate international business. Many Nigerians resent the damage that Yahoo Boys have done to the country’s image, viewing them as contributing to the negative stereotypes that hinder international opportunities for honest citizens.

This perception of national embarrassment is shared by a large segment of Nigerian society, particularly among the educated middle class and professionals, who see Yahoo-Yahoo as undermining the country’s potential for growth and development on the global stage.

Summary

The rise of Yahoo Boys and the proliferation of internet fraud in Nigeria present a complex and multifaceted challenge. While socio-economic factors, such as unemployment and economic inequality, have contributed to the growth of cybercrime, the availability of technology and internet access has made it easier for fraudsters to operate on a global scale.

Addressing this issue requires a comprehensive approach that includes stronger law enforcement, public awareness campaigns, and efforts to create more economic opportunities for Nigeria’s youth. Only by tackling the root causes of Yahoo-Yahoo can Nigeria begin to restore its international reputation and reduce the impact of cybercrime on its society.

Please Leave Us Your Comment
Also, tell us of any topics we might have missed.

Leave a Reply

Your comments help the SCARS Institute better understand all scam victim/survivor experiences and improve our services and processes. Thank you

Your email address will not be published. Required fields are marked *

Thank you for your comment. You may receive an email to follow up. We never share your data with marketers.

Recent Reader Comments

Important Information for New Scam Victims

If you are looking for local trauma counselors please visit counseling.AgainstScams.org or join SCARS for our counseling/therapy benefit: membership.AgainstScams.org

If you need to speak with someone now, you can dial 988 or find phone numbers for crisis hotlines all around the world here: www.opencounseling.com/suicide-hotlines

A Question of Trust

At the SCARS Institute, we invite you to do your own research on the topics we speak about and publish, Our team investigates the subject being discussed, especially when it comes to understanding the scam victims-survivors experience. You can do Google searches but in many cases, you will have to wade through scientific papers and studies. However, remember that biases and perspectives matter and influence the outcome. Regardless, we encourage you to explore these topics as thoroughly as you can for your own awareness.

SCARS Resources:

Other Cyber Resources

-/ 30 /-

What do you think about this?
Please share your thoughts in a comment below!

Legal Disclaimer:

The content provided on this platform regarding psychological topics is intended solely for educational and entertainment purposes. The publisher makes no representations or warranties regarding the accuracy or completeness of the information presented. The content is designed to raise awareness about various psychological subjects, and readers are strongly encouraged to conduct their own research and verify information independently.

The information presented does not constitute professional advice, diagnosis, or treatment of any psychological disorder or disease. It is not a substitute for professional medical or mental health advice, diagnosis, or treatment. Readers are advised to seek the guidance of a licensed medical professional for any questions or concerns related to their mental health.

The publisher disclaims any responsibility for actions taken or not taken based on the content provided. The treatment of psychological issues is a serious matter, and readers should consult with qualified professionals to address their specific circumstances. The content on this platform is not intended to create, and receipt of it does not constitute, a therapist-client relationship.

Interpretation and Definitions

Definitions

For the purposes of this Disclaimer:

  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Disclaimer) refers to Society of Citizens Against Relationship Scams Inc. (registered d.b.a. “SCARS”,) 9561 Fountainbleau Blvd., Suit 602, Miami FL 33172.
  • Service refers to the Website.
  • You means the individual accessing this website, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
  • Website refers to RomanceScamsNOW.com, accessible from https://romancescamsnow.com

Website Disclaimer

The information contained on this website is for general information purposes only.

The Company assumes no responsibility for errors or omissions in the contents of the Service.

In no event shall the Company be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. The Company reserves the right to make additions, deletions, or modifications to the contents on the Service at any time without prior notice.

The Company does not warrant this website in any way.

External Links Disclaimer

This website may contain links to external websites that are not provided or maintained by or in any way affiliated with the Company.

Please note that the Company does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

Errors and Omissions Disclaimer

The information given by SCARS is for general guidance on matters of interest only. Even if the Company takes every precaution to ensure that the content of this website is both current and accurate, errors can occur. Plus, given the changing nature of laws, rules, and regulations, there may be delays, omissions, or inaccuracies in the information contained on this website.

SCARS is not responsible for any errors or omissions, or for the results obtained from the use of this information.

Fair Use Disclaimer

SCARS may use copyrighted material that has not always been specifically authorized by the copyright owner. The Company is making such material available for criticism, comment, news reporting, teaching, scholarship, or research.

The Company believes this constitutes a “fair use” of any such copyrighted material as provided for in section 107 of the United States Copyright law.

If You wish to use copyrighted material from this website for your own purposes that go beyond fair use, You must obtain permission from the copyright owner.

Views Expressed Disclaimer

The Service may contain views and opinions which are those of the authors and do not necessarily reflect the official policy or position of any other author, agency, organization, employer, or company, including SCARS.

Comments published by users are their sole responsibility and the users will take full responsibility, liability, and blame for any libel or litigation that results from something written in or as a direct result of something written in a comment. The Company is not liable for any comment published by users and reserves the right to delete any comment for any reason whatsoever.

No Responsibility Disclaimer

The information on the Service is provided with the understanding that the Company is not herein engaged in rendering legal, accounting, tax, medical or mental health, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal, medical or mental health, or other competent advisers.

In no event shall the Company, its team, board of directors, volunteers, or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever arising out of or in connection with your access or use or inability to access or use the Service.

“Use at Your Own Risk” Disclaimer

All information on this website is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose.

SCARS will not be liable to You or anyone else for any decision made or action taken in reliance on the information given by the Service or for any consequential, special, or similar damages, even if advised of the possibility of such damages.

Contact Us

If you have any questions about this Disclaimer, You can contact Us:

  • By email: contact@AgainstScams.org

PLEASE NOTE: Psychology Clarification

The following specific modalities within the practice of psychology are restricted to psychologists appropriately trained in the use of such modalities:

  • Diagnosis: The diagnosis of mental, emotional, or brain disorders and related behaviors.
  • Psychoanalysis: Psychoanalysis is a type of therapy that focuses on helping individuals to understand and resolve unconscious conflicts.
  • Hypnosis: Hypnosis is a state of trance in which individuals are more susceptible to suggestion. It can be used to treat a variety of conditions, including anxiety, depression, and pain.
  • Biofeedback: Biofeedback is a type of therapy that teaches individuals to control their bodily functions, such as heart rate and blood pressure. It can be used to treat a variety of conditions, including stress, anxiety, and pain.
  • Behavioral analysis: Behavioral analysis is a type of therapy that focuses on changing individuals’ behaviors. It is often used to treat conditions such as autism and ADHD.
    Neuropsychology: Neuropsychology is a type of psychology that focuses on the relationship between the brain and behavior. It is often used to assess and treat cognitive impairments caused by brain injuries or diseases.

SCARS and the members of the SCARS Team do not engage in any of the above modalities in relationship to scam victims. SCARS is not a mental healthcare provider and recognizes the importance of professionalism and separation between its work and that of the licensed practice of psychology.

SCARS is an educational provider of generalized self-help information that individuals can use for their own benefit to achieve their own goals related to emotional trauma. SCARS recommends that all scam victims see professional counselors or therapists to help them determine the suitability of any specific information or practices that may help them.

SCARS cannot diagnose or treat any individuals, nor can it state the effectiveness of any educational information that it may provide, regardless of its experience in interacting with traumatized scam victims over time. All information that SCARS provides is purely for general educational purposes to help scam victims become aware of and better understand the topics and to be able to dialog with their counselors or therapists.

It is important that all readers understand these distinctions and that they apply the information that SCARS may publish at their own risk, and should do so only after consulting a licensed psychologist or mental healthcare provider.

SCARS IS A DIGITAL PUBLISHER AND DOES NOT OFFER HEALTH OR MEDICAL ADVICE, LEGAL ADVICE, FINANCIAL ADVICE, OR SERVICES THAT SCARS IS NOT LICENSED OR REGISTERED TO PERFORM.

IF YOU’RE FACING A MEDICAL EMERGENCY, CALL YOUR LOCAL EMERGENCY SERVICES IMMEDIATELY, OR VISIT THE NEAREST EMERGENCY ROOM OR URGENT CARE CENTER. YOU SHOULD CONSULT YOUR HEALTHCARE PROVIDER BEFORE FOLLOWING ANY MEDICALLY RELATED INFORMATION PRESENTED ON OUR PAGES.

ALWAYS CONSULT A LICENSED ATTORNEY FOR ANY ADVICE REGARDING LEGAL MATTERS.

A LICENSED FINANCIAL OR TAX PROFESSIONAL SHOULD BE CONSULTED BEFORE ACTING ON ANY INFORMATION RELATING TO YOUR PERSONAL FINANCES OR TAX RELATED ISSUES AND INFORMATION.

SCARS IS NOT A PRIVATE INVESTIGATOR – WE DO NOT PROVIDE INVESTIGATIVE SERVICES FOR INDIVIDUALS OR BUSINESSES. ANY INVESTIGATIONS THAT SCARS MAY PERFORM IS NOT A SERVICE PROVIDED TO THIRD-PARTIES. INFORMATION REPORTED TO SCARS MAY BE FORWARDED TO LAW ENFORCEMENT AS SCARS SEE FIT AND APPROPRIATE.

This content and other material contained on the website, apps, newsletter, and products (“Content”), is general in nature and for informational purposes only and does not constitute medical, legal, or financial advice; the Content is not intended to be a substitute for licensed or regulated professional advice. Always consult your doctor or other qualified healthcare provider, lawyer, financial, or tax professional with any questions you may have regarding the educational information contained herein. SCARS makes no guarantees about the efficacy of information described on or in SCARS’ Content. The information contained is subject to change and is not intended to cover all possible situations or effects. SCARS does not recommend or endorse any specific professional or care provider, product, service, or other information that may be mentioned in SCARS’ websites, apps, and Content unless explicitly identified as such.

The disclaimers herein are provided on this page for ease of reference. These disclaimers supplement and are a part of SCARS’ website’s Terms of Use. 

All original content is Copyright © 1991 – 2023 Society of Citizens Against Relationship Scams Inc. (Registered D.B.A SCARS) All Rights Reserved Worldwide & Webwide. Third-party copyrights acknowledge.

U.S. State of Florida Registration Nonprofit (Not for Profit) #N20000011978 [SCARS DBA Registered #G20000137918] – Learn more at www.AgainstScams.org

View the claimed and or registered indicia, service marks, and trademarks of Society of Citizens Against Relationship Scams Inc., All Rights Reserved Worldwide

Contact the law firm for the Society of Citizens Against Relationship Scams Incorporated by email at legal@AgainstScams.org

Share This Information - Choose Your Social Media!

2 Comments

  1. Abdur October 21, 2024 at 1:41 pm - Reply

    Tim McGuiness, your article is incomplete without mentioning the tales of some of the cyberfraudsters and victims. Specially, you should delved deeper into fake profiles, fake websites, photoshopped documents, international SIM cards, fake bank accounts, BEC scams, black dollar cleaning etc etc

Leave A Comment

Your comments help the SCARS Institute better understand all scam victim/survivor experiences and improve our services and processes. Thank you


Thank you for your comment. You may receive an email to follow up. We never share your data with marketers.