Safe: Email uses correct spelling and grammar, Web address uses https://, Message comes from an official company domain (e.g., @rbs.co.uk), No personal or financial details requested, Company logo looks professional and high-quality, You contacted them first (e.g., you asked for a password reset), Message tone is neutral and informative, You can verify the contact information on the official website, Scam: Poor spelling, grammar, or odd wording, Web address looks unusual or misspelled (e.g., www.rbs-secure-payments247.com), Message asks for PIN, bank details, or home address, Threatening or urgent tone (“Act now or your account will be closed!”), Unknown or personal email address (e.g., @gmail.com, @hotmail.com), Offers money, prizes, or something "too good to be true", Links or attachments you were not expecting, You did not contact the company first,

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