An unauthorized transaction is a trade made under your iGolder account without
your permission or authorization. iGolder considers this security breach
as the most serious fraud. If we receive a message regarding an
unauthorized transaction, we will do everything in our power to investigate and
resolve the issue as soon as possible.
What do do?
If you notice any suspicious transaction in your iGolder account, please
contact us immediately. Your
liability for an Unauthorized Transaction is determined by how quickly you
report it to us. If your account has been compromised and you act
quickly, then we may be able to recover all your gold and catch the crook.
According to our Account Agreement,
you are responsible of all activities done under your
account. iGolder will bear the losses associated with an unauthorized
transaction only if you can prove you are not responsible in any way for the
Your Protection Regarding an Unauthorized Transaction
It is important you act quickly. iGolder has a built-in protection
Transaction Protection Delay to safeguard your account from unauthorized
transactions. Depending on the amount of gold transferred, the
recipient has to wait from 24 to 72 hours to clear (complete) the transfer.
Each unauthorized transaction is handled on a case-by-case basis.
Please explain your story in details. Honesty is important because if
we feel you are lying to us, we may simply discredit your case. For
instance, your notebook may have been stolen and the theft made an
unauthorized transaction and emptied your iGolder account. How he did
it? Simple. You wrote down your login and password on a file
named iGolderPassword.txt. Not smart. Although you are liable
for such losses, if we are able to recover your gold, we will be happy to
revert the transaction and return your gold. Perhaps you will be
careful in the future keeping your password private and confidential.
If someone does try to guess your password, your account will be locked
after a pre-determined number of unsuccessful attempts. This prevents an
unauthorized user trying multiple times to guess your password. We log
every unsuccessful login and compile detailed reports to detect any fraud
pattern. Again, if your notebook was stolen, we need to know about it,
otherwise your story regarding a hacker trying to breach our login security
may not hold water. We built every component of the iGolder network
with security in mind.
Any claim regarding the integrity of our platform will be taken very
very seriously. iGolder may be indeed at fault for negligence, and
responsible for the losses. If iGolder is at fault, we will bear all the
losses and send you a formal apology by mail.
We are also fully aware there are dishonest people initiating a payment, and after receiving
the product or service from the seller, pretend the transaction was
unauthorized in the hope to get a refund. Those customers can look in
your eyes and tell a lie without blinking. Such trick does not work at
iGolder. We have been in business long enough to know such customers
exist, and how to spot them by asking though questions. If we believe in good faith a member attempted
to defraud iGolder, we will freeze his account and investigate further.
We don't want those individuals as our members.
Unauthorized Transaction Investigation
When investigating an unauthorized transaction, iGolder needs your full
cooperation to determine the true origin of the transaction. Since we
log all IP addresses, we are capable to
determine whether the transaction originated from your computer or from a
different machine. Of course, the IP address may not suffice to
conclude anything, however it may help us to determine if the transaction
was made from your home, your office, or from another city or country.
Then, we need to investigate the recipient(s) of the transaction, because
the account owner receiving the gold is likely to have been involved in the
unauthorized transaction. We will ask the recipient of the
unauthorized transaction to provide a valid ID, proof residence, the invoice
regarding the transaction, and perhaps what kind of business he is involved.
If the gold has been transferred again to another account, then we will investigate
everyone who transacted with the recipient of the unauthorized transaction.
We do this to ensure there is no collusion.
In your iGolder account, you can view a list of all previous logins, by date
and by IP address. You have to contact us if you notice a suspicious
login, either at a date you are certain you never visited iGolder, or from
an IP address different than your computer. Most fraud starts with an
unauthorized login where the fraudster gathers account
information prior making the unauthorized transaction.
To protect your account against unauthorized logins, iGolder offers the
option to send you an email message each time someone logs into your
account. This way, if you ever receive such email while you are not
using iGolder, then you know your account security has been compromised.
If you ever receive an email "from" iGolder and your
personal quote is missing, just ignore it. Do not click on
any link, regardless of the content of the message and urgency to
act. Such fraudster may use a fake website looking very
similar to www.iGolder.com in the hope
of collecting your username and password. Please remain vigilant; email spoofing and
phishing attacks are the
fastest growing form of consumer theft. When in
doubt, launch your web browser, manually type www.iGolder.com on your
address bar, and login to your account. In your account you
will see your history of emails and with notification messages and
hyperlinks to act (if necessary).