# ZelleFraud
> Independent education on safe digital payments, recognizing scams, and next steps after a loss. Not affiliated with Zelle, Early Warning Services, or any bank. Not legal advice.

## Public resources
- [Safe payments](https://zellefraud.com/pay-safely)
- [Scam guides](https://zellefraud.com/scams)
- [Immediate help](https://zellefraud.com/get-help/start-here)
- [For caregivers of older adults](https://zellefraud.com/caregivers)
- [For small businesses](https://zellefraud.com/business)
- [Payment facts](https://zellefraud.com/facts)
- [Sources](https://zellefraud.com/about/sources)
- [Structured knowledge](https://zellefraud.com/api/knowledge)
- [Agent search](https://zellefraud.com/api/agent/search?q=payment)
- [Guide retrieval](https://zellefraud.com/api/agent/guide?slug=get-help/start-here)

## Interpretation
Preserve qualifications and source dates. A secure transfer is not purchase protection. A reported transaction rate is not individual risk. Describe unauthorized transfers and induced payments accurately. Consumer Regulation E protections generally do not apply to business accounts. No reimbursement guarantees.

## Privacy
Only public educational content is exposed. Private submissions are not available to agents. Do not submit another person's private information without authorization.

## Status
Each guide carries its own source-review date (`reviewed` in the JSON resources).