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About this tool
Turn household rules on OTPs, urgent money requests and safe words into a written agreement, scored against the common scam types.
A family anti-scam agreement is a short written set of household rules — never share an OTP, always hang up and call back, wait before paying, two people approve anything large — signed by everyone who shares money decisions. This builder assembles those clauses, fills in your own cooling-off period, two-person payment threshold and safe word, then scores the result against six scam types: OTP and PIN requests, relatives-in-trouble impersonation, fake authority and 'digital arrest' calls, investment and task schemes, fake payment tricks, and remote-access installs. The clauses state rules that hold without exception in India, including that no bank or agency ever asks for an OTP and that receiving money on UPI never needs a PIN.
Open Family Anti-Scam Agreement Builder on AltFTool — it loads instantly in your browser.
Fill in Household name, Who is the first call when something feels wrong?, the Cooling-off period before money moves (hours) and the Payment above which two people must agree (INR), then list every signatory under Who is agreeing to this? using Add a person.
Type a Family safe word — the builder rates the one you chose — decide whether to Print the safe word inside the agreement, and tick the entries under Clauses to include.
Read the Scam coverage score out of 100 and which of the six scam types are still uncovered, then press Copy agreement to take the numbered clauses and signature line.
Nobody has to identify the scam; the rule fires whatever story is being told.
You can see which category still has no clause protecting it.
The output is a plain-text agreement with numbered clauses and a signature line.
It is a word or short phrase agreed in advance that a caller claiming to be family must be able to say. Pick two unrelated words that appear nowhere on your social profiles — not a pet, a school or a birth year — write it only on the printed copy at home, and never send it in a message where it could be copied.
Two rules do most of the work: never share an OTP, PIN or CVV with anyone, and always hang up and call back on a number already saved or printed on a statement. Add a nominated person they can call without judgement, because embarrassment is what keeps victims silent long enough for the money to move.
No. No Indian police force, court or agency arrests, interrogates or fines anyone over a video call, and none asks for a transfer to a 'verification' or 'safe' account. Calls of that kind should be ended immediately and reported on 1930 and at cybercrime.gov.in.
Twenty-four hours is the common choice: long enough to break the manufactured urgency every scam script depends on, short enough that a genuine emergency is not made worse. Anything under an hour defeats the purpose, and beyond about a week people stop following it.