Scams & Cyber Safety Guide.

At Divergent Wealth, your security is just as important as your financial success. With scams and cyber threats becoming increasingly sophisticated, we work with you to stay alert, verify unusual requests, and respond quickly if something goes wrong. This guide explains how to identify, prevent, and report threats so that your personal and financial information remains protected.

Scam activity – what to look out for

Scammers may impersonate Divergent Wealth, our principal adviser Angelo Baronessa, or other staff members. These fraudulent communications may:

  • Come from free, unusual, or lookalike domains, such as diverqentwealth@gmail.com instead of an official Divergent Wealth address
    Example: “From: divergentwealth-finance@hotmail.com” – this is not a real Divergent Wealth email.

  • Ask you to complete a vague or urgent task
    Example: “URGENT: I need you to process a payment within the next hour.”

  • Request personal or financial details such as banking, superannuation, investment account numbers, or even your WhatsApp contact
    Example: “Please confirm your super fund account number so we can finalise your report.”

  • Use high-pressure tactics to make you act quickly
    Example: “Failure to respond in 2 hours will cause delays in your investments.”

Divergent Wealth will never:

  • Contact clients from personal accounts such as Gmail/Hotmail

  • Request private information over WhatsApp, SMS, or insecure channels

  • Demand payment or private data via email links.

How to stay safe

Check the sender carefully: do not rely on the display name or email domain alone. Inspect the complete sender address and reply-to address. If a request is unexpected, urgent, or involves money or personal information, confirm it by contacting Divergent Wealth using a known and independently verified contact method, not details contained in the suspicious message.

Be alert for suspicious behaviour:

  • Unexpected messages requesting payments or TFNs

  • Attachments claiming to be “invoices” or “statements” you weren’t expecting

  • Messages written in broken English, with odd fonts or formatting

  • Pushy tone such as: “Complete this task right now, no excuses”

Report immediately:

  • Call us directly using a known number, such as the telephone number listed on our official website. Do not use phone numbers, links, or contact details contained in the suspicious message.

  • Forward suspicious messages to scams@divergentwealth.com.au

  • For urgent concerns, contact Divergent Wealth on 0480 039 283 or via scams@divergentwealth.com.au.

Recognising the signs of a scam

Based on guidance from trusted regulators, common signs include:

  • Fake or lookalike email domains: Example: “accounts.divergentwealth@gmail.com”. A genuine Divergent Wealth address should use our official domain, but scammers can disguise display names and reply-to addresses. Always inspect the full sender details and verify unexpected requests using a known contact method.

  • Bypassing channels: Example: “Don’t upload this to the portal, just send your tax file number via SMS.”

  • Too good to be true offers: Example: “We’ve secured you a guaranteed 25% return this month – act now!”

  • Urgent or threatening tone: Example: “Your account will be suspended unless you pay within 24 hours.”

  • Typos or unusual format: Example: “Dear Customer, please clik heree [link].”

I already clicked, paid, or disclosed information

If you think you may have clicked a suspicious link, sent money, shared login details, or provided personal information, act quickly:

  • Stop communicating with the sender or caller immediately.

  • Contact your bank or financial institution using an independently verified phone number or official app. Ask them to secure affected accounts and stop or review suspicious transactions.

  • Change passwords for any affected accounts, especially email, banking, superannuation, investment, and cloud accounts. If the same password was reused elsewhere, change those accounts too.

  • Enable multi-factor authentication, also called MFA, wherever available.

  • Preserve evidence, including screenshots, messages, sender details, links, payment receipts, and the time and date of contact.

  • Continue onto ‘Reporting a scam or suspicious message’.

Reporting a scam or suspicious message

If you encounter a possible scam:

Scam & cyber safety resources

For more info:

For more guidance and reporting:

What we’re doing at Divergent Wealth

To safeguard your data, we use:

  • Multi-factor authentication, also called MFA, for all access points

  • Encrypted data storage through Microsoft 365 enterprise systems

  • Verified email domains to prevent impersonation attempts

  • Regular staff training and phishing simulation exercises

  • Independent IT audits and compliance reviews

  • An incident response protocol, including rapid client notification where required

We will not ask you to email sensitive data where a secure upload method is available. Please use the secure client portal, protected by multi-factor authentication, to share documents unless we have agreed another secure process with you.

Privacy incidents and exposed personal information

If you believe your personal information, identification documents, tax file number, financial details, or client portal access may have been exposed, contact Divergent Wealth immediately at scams@divergentwealth.com.au or 0480 039 283.

We will review the matter, take steps to reduce harm, and notify affected individuals and regulators where required.

Still unsure?

If you receive something that feels unusual, trust your instincts. Contact us using the details on our official website. Our team is committed to protecting what matters most - your security and financial wellbeing.

Last reviewed: 30 August 2026.

This guide should be reviewed at least annually, and sooner if contact details, reporting links, scam examples, or regulatory obligations change.