Question 1

I think fraud may be happening right now. What should I do?

Accepted Answer

Stop communicating with the suspicious person. Do not send money, cryptocurrency, gift cards or e-transfers, and do not provide passwords or security codes. Contact the person or organization independently using trusted contact information—not a telephone number or link provided in the suspicious message. If money may be leaving an account, contact the financial institution immediately using the number on the back of the bank card or another verified source. Report fraud or attempted fraud to the Canadian Anti-Fraud Centre online or by calling 1-888-495-8501. Contact local police if money, identity documents or personal information have been stolen. If someone is in immediate danger, call 911. The Fraud Doctor™ is not an emergency, investigative or fraud-recovery service.

Question 2

What if someone has already lost money or provided personal information?

Accepted Answer

Contact the affected financial institution immediately using verified contact information. Explain what happened and ask what immediate steps are required to protect the affected accounts. Change compromised passwords through the organization's official website or application, review accounts for unauthorized activity and preserve relevant messages, receipts, telephone numbers and transaction records. Report the incident to local police and the Canadian Anti-Fraud Centre. If identity information may be compromised, contact Equifax Canada and TransUnion Canada and ask about reviewing and protecting the affected credit files. The Fraud Response Guide included in the system helps households organize these steps before a crisis occurs. The Fraud Doctor™ does not intervene in active cases, investigate losses or recover money.

Question 3

How can we verify an urgent request from someone we know?

Accepted Answer

A familiar name, telephone number or voice is no longer proof that a request is genuine. Caller information can be spoofed, accounts can be compromised and voices can be cloned. If an urgent request cannot be independently verified, stop the interaction and contact the person using trusted contact information you already had before the request arrived. During Guided Setup, we help your household establish a private way to verify urgent requests. It is never provided to The Fraud Doctor™ or entered on this website.

Question 4

Should I add a fraud alert or security freeze to my credit file?

Accepted Answer

A fraud alert may be appropriate if you believe your identity information has been exposed or misused. The Financial Consumer Agency of Canada recommends contacting both Equifax Canada and TransUnion Canada, asking about a fraud alert and reviewing your credit reports for activity you do not recognize. A fraud alert is a warning that asks lenders to take additional identity-verification steps. It does not lock your credit file or guarantee that fraudulent credit will be prevented. Security-freeze availability depends on where you live. Québec residents can place a security freeze on their credit files free of charge. Other protections may be available in other provinces or territories, so confirm the current options directly with both credit bureaus. Equifax Canada: 1-800-465-7166. TransUnion Canada: 1-800-663-9980. During Guided Setup, the available protections and the questions to ask. You contact the credit bureaus yourself, and we do not request changes or pay fees on your behalf.

Question 5

What exactly is the Family Fraud Protection System™?

Accepted Answer

The Family Fraud Protection System™ is a complete household fraud-preparedness service—not simply a box of printed information. Every option includes the complete physical Family Fraud Protection System™, live expert-led Guided Setup, Digital Safety Setup Guides, identity-theft awareness and response training, a Fraud Response Guide, a personalized written household plan and follow-up. The physical kit contains practical household reference tools, response cards, a wallet card, device reminders, safety guides and STOP · VERIFY · CALL™ practice materials. During Guided Setup, we help you put the relevant safeguards and response habits into practice. You leave with practical protections in place and a clear written plan your household can follow when something feels wrong.

Question 6

Does the system just explain fraud, or do you help us put protections in place?

Accepted Answer

Yes. Guided Setup helps you put practical protections in place, working through the areas that matter for your household, including recognizing suspicious situations, responding safely, strengthening everyday digital safeguards, establishing trusted contacts, preparing for identity theft and knowing what to do if fraud is suspected or has occurred. You remain in control of your devices, accounts and decisions. Guidance is provided as you complete the relevant steps—The Fraud Doctor never asks for passwords or log into private accounts.

Question 7

What do the Digital Safety Setup Guides cover?

Accepted Answer

The Digital Safety Setup Guides provide practical, plain-language guidance for strengthening the devices, accounts and communication tools your household already uses. Depending on your household's needs, Guided Setup may address account security, device safeguards, safer communication habits, financial alerts, recovery information and other practical protections. The goal is not to overwhelm you with technology. It is to help you identify the safeguards that matter and put them in place using your own devices and accounts.

Question 8

What identity-theft preparation is included?

Accepted Answer

The system includes identity-theft awareness and response training. Households learn to recognize common warning signs, reduce unnecessary exposure of personal information, organize relevant documentation, and prepare the contacts and steps they may need if personal information is compromised.

Question 9

What does the Fraud Response Guide do?

Accepted Answer

The Fraud Response Guide provides a clear place to start if fraud is suspected or has occurred. It explains the immediate actions that may be appropriate, what information to document and which organizations may need to be contacted, such as a financial institution, local police, the Canadian Anti-Fraud Centre or Canada's credit bureaus. The guide helps your household respond in a more organized way during a stressful situation. It does not mean that The Fraud Doctor™ provides emergency intervention, investigation or fraud-recovery services.

Question 10

What is the difference between the three options?

Accepted Answer

Every option includes the complete physical Family Fraud Protection System™, live expert-led Guided Setup, Digital Safety Setup Guides, identity-theft awareness and response training, a Fraud Response Guide, a personalized written household plan and follow-up. Guided Group Setup — $259 CAD: live online Guided Setup in a small group of no more than six households. Private Household Setup — $549 CAD: private one-to-one online Guided Setup focused on your household. Extended Private Programme — $999 CAD: private online guidance, additional follow-up and support for involving appropriate family members or trusted contacts. All three options are available online across Canada.

Question 11

Is this a complete programme?

Accepted Answer

Yes. You receive the complete Family Fraud Protection System™ and live Guided Setup described on this website. You are not being asked to evaluate or test an unfinished product. Guided Group Setup and Private Household Setup each include one month of Fraud Doctor Membership; the Extended Private Programme includes three months, beginning on your first Guided Setup date. It does not become a paid subscription unless you choose to continue.

Question 12

Who is the system for?

Accepted Answer

The system is designed for: older adults who want to remain confident and independent; adult children and caregivers supporting someone they care about; newcomers to Canada, including recent immigrants learning how legitimate Canadian institutions communicate; and individuals, couples and families who want practical protection in place before something happens. Scams are professionally designed to create urgency, fear, trust and confusion. Needing preparation is not a reflection of someone's age, language, intelligence, experience or capability.

Question 13

Is the system helpful for newcomers and recent immigrants to Canada?

Accepted Answer

Yes. Newcomers may be targeted by scammers pretending to represent immigration authorities, Service Canada, the Canada Revenue Agency, police, banks, employers, delivery companies or other trusted organizations. The Family Fraud Protection System™ helps households understand common warning signs, verify unexpected requests independently and put practical response and digital-safety protections in place. The Fraud Doctor™ does not provide immigration or legal advice. The focus is fraud preparedness: helping newcomers recognize pressure tactics, protect personal information and know how to verify whether a request is genuine. The free Scam Checker is currently available in English, French, Simplified Chinese and Punjabi.

Question 14

Do I need to be good with technology?

Accepted Answer

No. Guided Setup uses plain language and focuses on the devices, accounts and communication methods you already use. You remain in control of your devices and make your own decisions throughout the session. We guide you through the relevant steps, but we do not take control of your device or log into your accounts. Nothing is assumed and nothing is rushed.

Question 15

Do you serve households outside British Columbia?

Accepted Answer

Yes. Physical kits can be shipped across Canada, and all three Guided Setup options are delivered live online. Appropriate family members or trusted contacts may join from different Canadian locations when arranged in advance.

Question 16

Which free readiness check should I take?

Accepted Answer

If you are answering about your own household, accounts, phone and everyday habits, take the Personal & Household Readiness Check. If you are answering because you help support a parent, relative or another adult, take the Family & Caregiver Readiness Check. Both are free, take 5–7 minutes and provide a readiness result with a practical next step.

Question 17

Will you ever ask for my passwords, SIN or banking login?

Accepted Answer

Never. We do not ask for passwords, Social Insurance Numbers, banking login information, account numbers, one-time security codes or remote access to private accounts. When an action with a bank, credit bureau or another organization may be appropriate, we explain what to address and how to contact the organization through a trusted channel. You complete the action yourself and remain in control. During Guided Setup you create any password-manager master password privately — we never see, hear or store it.

Question 18

Is The Fraud Doctor™ a legal, financial, investigative or recovery service?

Accepted Answer

No. The Fraud Doctor™ provides fraud-preparedness education, guided implementation and practical tools. We do not provide legal or financial advice, insurance, active monitoring, emergency response, private investigation or fraud-recovery services. We do not monitor credit files, place alerts on your behalf or access private accounts. We cannot guarantee that fraud will not occur.

Question 19

When can I enrol, and when do kits ship?

Accepted Answer

Enrolment is open now. You choose your option and pay securely online. Kits begin shipping in October, and after enrolment, The Fraud Doctor contacts you to confirm shipping and schedule your Guided Setup.

Question 20

What if I change my mind? Is there a money-back guarantee?

Accepted Answer

You receive a full refund any time before your kit ships. If the kit has been delivered with the seal intact and no live session has taken place, contact us within 14 days of delivery for a refund minus a $35 return and restocking deduction. If the kit has been opened before your live session, the refund is minus a $59 materials deduction. Only one deduction applies. Once a live session has been delivered, our Setup Completion Promise applies instead of a cash refund. We do not offer a guarantee on outcomes — no kit or training removes the risk of fraud. Full details are on our Returns, Cancellations & Refunds page.

Question 21

What if I have already had my Guided Setup session?

Accepted Answer

A live session with a real person cannot be returned, so no cash refund is issued once your Guided Setup has been delivered. What applies instead is our Setup Completion Promise: if the checklist could not be completed because the scheduled session time was insufficient, we provide one designated completion clinic (Guided Group Setup) or one additional 30-minute completion appointment (Private Household Setup and Extended Private Programme) within 30 days, at no additional charge. If something has genuinely gone wrong, contact us — we would rather fix it than argue about a policy.

Question 22

Is there a monthly fee or automatic subscription?

Accepted Answer

The price of your selected protection option is paid once. Guided Group Setup and Private Household Setup each include one month of Fraud Doctor Membership; the Extended Private Programme includes three months, beginning on your first Guided Setup date. The included period never becomes a paid subscription on its own. Before it ends you may choose to continue at $19 CAD per month, or $190 CAD per year (12 months for the price of 10), If you do nothing, the included membership simply ends and you are not charged.

Question 23

What does Fraud Doctor Membership include?

Accepted Answer

Fraud Doctor Membership includes: a scheduled monthly online Fraud Intelligence & Q&A session led by The Fraud Doctor; plain-language review of important emerging Canadian fraud tactics; an opportunity to ask general fraud-preparedness questions; a monthly Test Your Fraud Awareness scenario; timely alerts when particularly relevant new fraud tactics appear; periodic household-readiness check-ins; member resources and practice materials; unlimited Scam Checker access during active membership; and preferred rates for separately booked private household sessions. Membership provides continuing education and general preparedness guidance. It does not include private account review, active monitoring, guaranteed alerts, emergency response, investigation or fraud-recovery services.

Question 24

How do I get started?

Accepted Answer

Start with the free readiness check if you want to understand your household's current preparedness. If you have received a suspicious message, use the free Scam Checker. You can then compare the three Protection Options and enrol in the level of Guided Setup that best fits your household.

Frequently asked questions

If something is happening now

About the Family Fraud Protection System™

Who it is for

Privacy and what we do not do

Enrolling, refunds and membership

Still have a question?

Frequently asked questions

If something is happening now

I think fraud may be happening right now. What should I do?+

What if someone has already lost money or provided personal information?+

How can we verify an urgent request from someone we know?+

Should I add a fraud alert or security freeze to my credit file?+

About the Family Fraud Protection System™

What exactly is the Family Fraud Protection System™?+

Does the system just explain fraud, or do you help us put protections in place?+

What do the Digital Safety Setup Guides cover?+

What identity-theft preparation is included?+

What does the Fraud Response Guide do?+

What is the difference between the three options?+

Is this a complete programme?+

Who it is for

Who is the system for?+

Is the system helpful for newcomers and recent immigrants to Canada?+

Do I need to be good with technology?+

Do you serve households outside British Columbia?+

Which free readiness check should I take?+

Privacy and what we do not do

Will you ever ask for my passwords, SIN or banking login?+

Is The Fraud Doctor™ a legal, financial, investigative or recovery service?+

Enrolling, refunds and membership

When can I enrol, and when do kits ship?+

What if I change my mind? Is there a money-back guarantee?+

What if I have already had my Guided Setup session?+

Is there a monthly fee or automatic subscription?+

What does Fraud Doctor Membership include?+

How do I get started?+

Still have a question?