Fraudulent Use of the NOVARIC® Brand

Attempts have been made to defraud Internet users by the unauthorized use of the NOVARIC® name and brand via email communications and graphics which appear, on the surface, to have originated from NOVARIC®.

In most cases the communications concern providing services and/or sale of consumer goods over the Internet where payment may be requested before the services/goods are delivered.

Please be advised that NOVARIC® does not request payment in this manner. NOVARIC® only collects money due for official NOVARIC® related services and deposits/transfers to official bank accounts and never through third parties.

This security notice does not affect the obligation of a clients to pay for services and/or goods charges, where these are properly payable at the time of final delivery.

NOVARIC® accepts no responsibility for any costs, charges or payments made which were improperly incurred as a result of fraudulent activity.


If you are in any doubt as to the integrity of a website that uses the NOVARIC® brand guidelines, please always access NOVARIC® websites via our officially registered domains:

NOVARIC® Fraud Awareness Guidelines

Thank you for joining our effort to combat online fraud. NOVARIC® goes to great lengths to protect our clients from fraud. If you suspect having received fraudulent emails, SMS or found a website or social media account that tries to pass off as NOVARIC®, we encourage you to let us know at your earliest convenience, so that we can quickly take actions to stop the fraud.

Please report all suspicious activity to our dedicated Anti-Abuse Mailbox at following the below instructions.

We thoroughly investigate every report of suspected fraud, but generally, will not respond to personal inquiries. If you have questions regarding the status of an application or an invoice, please direct those to our NOVARIC® Admin Team

Fraudulent Email

Below are some indicators that can help you assess whether the received email is fraudulent.

From a desktop computer:

  • Drag & Drop the suspicious email into a new message and send it to as attachment. To effectively shut down the fraudulent service, we need complete mail headers which are not included in a forwarded message.

From a mobile device:

  • Forward the message to us. If feasible, please always send the suspected email from a desktop as attachment including complete mail headers.
  • Report the message as spam within your mail app, so that your mail provider can take appropriate actions.
Fraudulent SMS
  • SMS Scams often include a shortened URL e.g. starting with to obfuscate the final destination of the link.
  • The sender number is not visible, instead you find a generic name such as “NOVARIC®”.
  • The phone number starts with a a country prefix outside of an expected territory (e.g. +235). NOVARIC® Administration offices are located in these country codes +355, +356, +49, +33, +41 .

Send a screenshot of the suspicious SMS to, include the suspicious phone number in the message.

Fraudulent Social Media Accounts Incl. Whatsapp
  • The account is lacking a sign of verification (e.g. there is no blue badge).
  • The account attempts to continue the communication over an encrypted channel such as Whatsapp or Telegram.
  • The account is only a couple of weeks old.
  • The account offers “free Visa”, “free flights” or to “double your investment”.
  • The account does not make use of an adequate profile picture (NOVARIC® Logo) and background picture.
  1. Please report the social media account/post destination (URL) or phone number to
  2. If available, report the account/post directly to the social media channel as fraud.
Hacked NOVARIC® Accounts
If you receive unexpected messages alerting you over changes to your account, such as address changes or password reset notifications that were not triggered by yourself, it is possible that hackers are trying to take over your account.
  1. Login to your account and change the password
  2. If you lost access, please report this incidence via
Forgery of NOVARIC® Documents
The Forgery of a document creates the following commonly used offences:
  • Forgery – making a false instrument of a document.
  • Copying a false document.
  • Using a false documents.
  • Using a copy of a false document.
  • Custody or control of false document (purporting to be money orders, share certificates, passports, traveller’s cheques, credit cards, debit cards, credit cards, birth etc. certificates, etc.) and manufacture, custody, or control of equipment or materials to make them.
Definitions of False Documents
A person is guilty of forgery if he makes a false instrument, with the intention that he or another shall use it to induce somebody to accept it as genuine, and by reason of so accepting it to do or not to do some act to his own or any other person’s prejudice.” It must be shown that D intended for the false instrument it be used to induce somebody to accept it as genuine and, by reason of so accepting it, to do or not to do some act to his own or another’s prejudice. An intention to induce another to accept a copy of a forgery will also suffices. “Instrument” – the definition for instrument includes any document, postage stamp (or mark denoting payment), disk tape, sound track or other device on which information is stored by any means. It does not include a currency note. “False” – False refers to when a document can be false. A document can be deemed as being false when it purports to have been made in a form or on terms or altered by a person who did not in fact make it in such a form or in such terms or so altered it, or who did not authorise its making in that form or on those terms or so altered. Further it is false if it was not in fact made on the date, place or in the circumstances that it purports or purports to have been made or altered by a person who did not in fact exist An instrument is false if it is altered so as to make it false in any respect “Prejudice and Induce” – are defined as something which results in temporary or permanent loss of property, deprives another of the opportunity to obtain remuneration or greater remuneration or financial advantage or the opportunity to perform any duty. An offence for a person intending to use a document to establish registrable facts about themselves or to allow or induce another to establish/ ascertain/ verify registrable facts about him or another, to have in his possession or control:-
  • a false identity document, knowing or believing it is false or;
  • an improperly obtained identity document knowing or believing it to be so obtained or;
  • an identity document belonging to someone else.
An offence for a person intending that they or another will make identity documents or somebody will use the document for establishing etc. registrable facts about a person, to have in his possession or control:
  • Apparatus or any article or material to his knowledge designed or adapted for making false documents.
An offence for a person to possess or control without reasonable excuse; A false identity document, an improperly obtained identity document, some else’s identity document, or any apparatus, article or material to his knowledge designed or adapted for making false identity documents. An identity document and includes;
  • A designated document
  • An immigration document
  • A passport
  • A document in use instead of a passport
  • A driving license