Photo Courtesy of CreditCards.com
By Forum Staff
State Attorney General Eric Schneiderman on Tuesday issued charitable giving tips for this holiday season.
His guidance includes:
Take Time To Research The Organization: Make sure you are familiar with the organization, its mission, and its effectiveness before giving. Always ask for information in writing – and be wary if an organization will not provide information about charitable programs and finances upon request. Any legitimate organization will be happy to send you information.
Know Where your Money Will Go: Find out from the charity what it will do with your money. Review the charity’s financial reports for information about how it spends donations. If you have been contacted by a telemarketer, review Pennies for Charity – Schneiderman’s annual report of telemarketing campaigns in New York – to see how much is spent on fundraising costs and how much has been kept by the charity.
Don’t Be Pressured by Telemarketers: If you receive a telephone call asking you to contribute to a charity, you have the right to hang up. Often the caller is a professional fundraiser who is being paid to call you.
If you choose to consider the caller’s request, ask how much of your donation will go to charity and if the telemarketer is being paid. Many telemarketing companies receive most of the money they raise. Be wary of claims such as “all proceeds will go to charity.” Telemarketers are required to respond truthfully to your questions. Don’t fall for pressure tactics such as repeated phone calls or threats. These are signs that the organization may not be legitimate. Always remember you have the right to say no to any charitable request.
Ask To Be Put On A “Do Not Call” List: You have the right to request to be placed on the telemarketer’s “Do Not Call” list. It is not illegal for telemarketers for charities to call telephone numbers on the Federal Trade Commission’s Do Not Call Registry, but consumers can stop such calls by telling telemarketers not to call them on behalf of specific charities. Telemarketers are required to honor such requests. You may also ask a charity to take you off its solicitation list.
Be Wary of Deceptive Tactics and Emotional Appeals: Watch out for charities with names that resemble those of prominent or established organizations—especially on days designated to charitable giving. Some charities use names similar to well-known charities in order to confuse donors. Be wary of emotional appeals that talk about problems, but are vague on how donations will be spent.
Don’t Disclose Personal Information: Never give your social security number or other personal information in response to a charitable solicitation. Never give out credit card information over the phone or to an organization you are not familiar with.
If Donating Online or Via Text, Donate Securely: Always make sure that you are using secure methods of payment. When donating online, make sure the website is secure and includes ‘https’ in the web address. Before hitting “Send” on a text donation, check the charity’s website or call the charity to make sure contributions by text message are authorized. Some text solicitations are scams. Also, remember that donating by text means the organization may not receive the funds until after a phone bill is paid; contributions made directly to a charity can reach them faster.
Never Give Cash: Give your contribution by check made payable to the charity.