In this module, you will explore common fraudulent schemes such as phishing, identity theft, fake websites, Ponzi schemes, pyramid schemes, and online impersonation scams, while developing the language needed to describe and evaluate online risks. You will also examine the importance of digital security practices, including strong passwords, two-factor authentication, digital signatures, and identity protection tools. Throughout the module, you will practise using reported speech to report scams, describe online incidents, and communicate advice or warnings related to digital safety. By the end of the module, you will be able to participate in practical financial communication tasks such as reporting online fraud, requesting refunds, and discussing personal experiences related to digital security and financial scams.

In this module, you will learn how to discuss different types of credit, borrowing methods, and financial responsibilities in English. You will explore the differences between good debt and bad debt and examine how borrowing decisions can influence financial well-being and long-term financial stability. You will also discuss consumer rights, legal protections, and ethical issues related to credit, lending, and banking practices. Throughout the module, you will practise using relative clauses and the structures "so" and "such" to describe financial products, situations, consequences, and personal experiences more effectively. By the end of the module, you will be able to participate in practical financial communication tasks such as applying for a loan, discussing responsible borrowing strategies, and comparing attitudes toward debt and credit management in different countries.

In this module, you will learn how to discuss financial priorities, future needs, and long-term financial planning in English. You will also analyse financial risks and behavioural factors, including fear of missing out, financial pressure, and irresponsible lending practices. Throughout the module, you will practise using defining relative clauses, passive structures, and causative forms to describe financial products, legal arrangements, taxation, insurance, and professional financial services more accurately. By the end of the module, you will be able to participate in practical financial communication tasks such as planning for loved ones’ financial futures and writing a formal letter explaining personal financial and lifestyle decisions.