Anti Fraud Policy

ROBLIE Properties Pakistan

Last Updated: 27 July 2026
Version: 1.0

1. Introduction

Roblie Properties (“Roblie”, “we”, “us”, “our”) is a leading luxury real estate brokerage, consultancy, and investment advisory firm based in Pakistan, with a growing international clientele that includes overseas Pakistanis and foreign investors. Our reputation is built upon trust, transparency, and the highest standards of professional service. Fraud and financial crime pose a direct threat to the integrity of the property market, the safety of our clients, and the confidence of the communities we serve.

This Anti-Fraud Policy (the “Policy”) formalises our unwavering commitment to preventing, detecting, and responding to fraudulent activities that may affect our customers, partners, employees, or the wider public. It sets out the principles, procedures, and responsibilities that govern our approach to fraud risk management, and is designed to be read in conjunction with our Terms & Conditions, Privacy Policy, and Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF) Policy.

By publishing this Policy on our official website, we aim to empower every person who interacts with Roblie Properties to recognise the signs of fraud, to know how to protect themselves, and to understand the robust measures we take to keep property transactions secure. We encourage all clients, prospective buyers, sellers, investors, and partners to review this document carefully and to contact us immediately should they encounter anything suspicious.

2. Executive Summary

The real estate sector, particularly the luxury segment, is an attractive target for fraudsters due to the high transaction values, complex documentation, and the involvement of multiple intermediaries. Roblie Properties has developed a comprehensive, enterprise-grade Anti-Fraud Policy that integrates prevention, detection, and response mechanisms across every facet of our operations.

This Policy provides a detailed overview of the fraud risks that may arise during property transactions, identifies the warning signs that every customer should recognise, and explains the internal controls and verification protocols that we employ to mitigate those risks. It also reinforces the responsibilities of customers and the public, because security is a shared endeavour.

Key elements of our framework include rigorous identity and property verification processes, secure communication channels, a culture of ethical behaviour among all employees and associates, a confidential reporting mechanism for suspected fraud, and continuous monitoring and improvement of our defences. Roblie Properties maintains a zero-tolerance stance towards any form of dishonest or criminal activity, and we will always take the strongest possible action against those who seek to defraud our clients or our business, including termination of relationships, initiation of legal proceedings, and full cooperation with law enforcement agencies.

3. Scope and Applicability

This Policy applies to:

All employees, directors, officers, and temporary staff of Roblie Properties.
All independent contractors, consultants, real estate agents, dealers, and brokers who work under the Roblie Properties brand or with our systems.
All vendors, service providers, and business partners who interact with our data, funds, or client transactions.
All existing and prospective customers, including property buyers, sellers, landlords, tenants, investors, developers, and overseas Pakistanis.
Any other individual or entity who accesses our official website, mobile applications, digital platforms, or physical offices.

The Policy covers fraud risks that may arise in connection with any of our services, including but not limited to: residential and commercial sales, leasing, property marketing and listings, investment consultancy, property documentation assistance, overseas Pakistani property services, and property management.

Roblie Properties operates primarily in Pakistan, with our main offices in Karachi and an upcoming presence in Islamabad. The Policy is designed to comply with applicable Pakistani laws and regulations, and also aligns with recognised international best practices in fraud risk management, to the extent appropriate for our business.

4. Company Commitment Against Fraud

4.1 Zero-Tolerance Policy

The Website is provided for your personal, non-commercial use in relation to exploring and transacting real estate, unless you are a registered dealer, agent, or corporate investor with a commercial purpose explicitly approved by us. You may browse listings, use interactive tools, schedule appointments, and communicate with our consultants for legitimate property interests.

4.2 Proactive Prevention

We do not merely react to fraud; we invest in proactive prevention. This includes implementing rigorous due diligence on all parties to a transaction, maintaining strong internal controls, using secure technology platforms, and providing continuous training to our team. We regularly review our fraud risk assessments to reflect emerging threats, such as deepfakes, artificial intelligence-enabled scams, and sophisticated cyber attacks.

4.3 Transparency and Communication

We believe that an informed client is the first line of defence. This Policy is published openly on our website, and we actively communicate fraud warnings and safety tips through our newsletters, social media channels, and during client consultations. We encourage open dialogue, and any person who suspects fraudulent activity is urged to report it immediately without fear of reprisal.

5. Fraud Prevention Framework

Our anti-fraud framework is built upon five interconnected pillars:

Governance: Clear ownership of fraud risk management at the highest levels of the organisation. Our management team is responsible for the implementation and oversight of this Policy.
Risk Assessment: A continuous process of identifying, analysing, and evaluating fraud risks specific to real estate transactions, both at the entity level and for individual deals.
Internal Controls: A system of policies, procedures, and technical safeguards designed to prevent and detect fraud. This includes segregation of duties, dual-authorisation for payments, mandatory verification checklists, and automated monitoring systems where available.
Reporting and Investigation: A confidential, accessible channel for reporting suspected fraud, combined with a formal investigation process that preserves evidence and protects the rights of all involved.
Monitoring and Improvement: Regular reviews of our control environment, lessons learned from incidents, and updates to this Policy to stay ahead of evolving threats.

Each of these pillars is elaborated upon in subsequent sections of this Policy.

6. Corporate Ethics and Integrity Standards

6.1 Code of Conduct

Roblie Properties has established a Code of Conduct that sets out the ethical principles expected of everyone working for or on behalf of the company. This includes honesty, fairness, confidentiality, avoidance of conflicts of interest, and compliance with all applicable laws. Our employees and agents are required to act in the best interests of clients at all times and to never use their position for personal gain.

6.2 Professional Behaviour

All client interactions, whether in person, by telephone, or via digital channels, must be conducted with the utmost professionalism and respect. We do not engage in high-pressure sales tactics, misrepresentation of property features, or any conduct that could be perceived as deceptive. Our marketing materials, photographs, and descriptions are prepared with careful attention to accuracy and current availability.

6.3 Transparency with Clients

We are transparent about our fees, commissions, and the scope of our services. Every client receives clear written information about the costs associated with a transaction before any commitment is made. We do not accept undisclosed referral fees that could compromise our impartial advice.

7. Customer Protection in Property Transactions

Roblie Properties is dedicated to ensuring that every client—whether a first-time homebuyer, a seasoned investor, a seller, or an overseas Pakistani—can transact with confidence. This section outlines the protective measures and best practices for each client category.

7.1 Buyer Protection

For property buyers, the primary fraud risks include paying for a property that does not exist, that the seller does not own, or that is encumbered by undisclosed liens. Our protection measures include:

Independent verification of the seller’s identity and legal ownership.
Assistance with title searches and obtaining encumbrance certificates from the relevant land registry.
Recommending that all payments are made through traceable banking channels to accounts that are verified as belonging to the seller or an authorised escrow agent.
Never advising a buyer to make a cash payment without a formal receipt and contemporaneous documentation.

7.2 Seller Protection

Sellers can fall victim to fraudulent buyers who use stolen identities, forged bank instruments, or who attempt to hijack the property during the transfer process. We protect sellers by:

Verifying the identity of all prospective buyers before serious negotiations begin.
Scrutinising proof of funds to ensure the buyer has the financial capacity to close.
Advising against the premature transfer of possession or original title documents until all payments are cleared and the registration process is complete.

7.3 Investor Protection

Investment fraud often involves promises of unrealistic returns, phantom projects, or the sale of properties that are not legally approved. We protect investors by:

Conducting thorough due diligence on all investment projects before presenting them to clients.
Verifying development approvals, building plans, and the track record of developers.
Never guaranteeing a specific return on investment or downplaying the inherent risks of property investment.

7.4 Overseas Pakistani Protection

Overseas Pakistanis are particularly vulnerable because they often rely on remote communication and must entrust significant responsibilities to local representatives. Specific protections for this group are detailed in Section 17.

8. Property Verification and Due Diligence Processes

A robust verification process is the backbone of fraud prevention. Before any property is listed, marketed, or transacted, Roblie Properties conducts the following checks, tailored to the nature of the property and the risk profile of the transaction.

8.1 Identity Verification (KYC)

We apply Know Your Customer (KYC) principles to all parties. For individuals, we require original and valid government-issued photo identification such as a CNIC, NICOP, or passport. For corporate entities, we require certificates of incorporation, board resolutions, and identification of the ultimate beneficial owners. Where permitted, we may use digital verification tools and biometric matching.

8.2 Document Verification

All property-related documents are examined by our experienced team. We scrutinise title deeds, sale agreements, tax receipts, and possession certificates. We cross-check the chain of ownership to ensure the seller has the legal right to transfer the property. Any inconsistencies, such as alterations in the deed or mismatched serial numbers, are treated as red flags requiring further investigation.

8.3 Ownership and Title Verification

This process involves:

Obtaining an official Fard (revenue record) from the Land Record Authority.
Checking for any registered encumbrances, mortgages, or court orders against the property.
Verifying that the property is within an approved development zone and not part of any land acquisition or dispute.
For apartments and commercial units, confirming the share certificate and the builder’s completion/occupancy certificate.

We do not merely accept photocopies; we insist on verification against the official records. Clients are encouraged to hire independent legal counsel to conduct a parallel title search.

8.4 Enhanced Due Diligence (EDD)

For high-value transactions, complex ownership structures, or parties located in high-risk jurisdictions, we apply Enhanced Due Diligence measures. These may include:

Deeper background checks on the buyer or seller, including adverse media screening.
Verification of the source of funds and source of wealth with supporting documentation.
Senior management approval before proceeding.

9. Payment and Source of Funds Verification

Money is the lifeblood of real estate fraud. Roblie Properties has implemented strict protocols to ensure that funds flowing through any transaction are legitimate and that the payment process is secure.

Bank Transfers Only for Large Sums: We strongly recommend that all significant payments, including token money, instalments, and final settlement, be made through direct bank transfers or verified escrow mechanisms. This creates an unambiguous audit trail.
Source of Funds Verification: In line with our AML Policy, we may require clients to demonstrate the legitimate origin of their funds. This could involve providing bank statements, salary certificates, tax returns, sale deeds of previously sold assets, or gift declarations.
Verification of Payment Beneficiary: Before any funds are transferred, our clients must verify the beneficiary account details directly with Roblie Properties through a known, trusted phone number or in person. We will never communicate a change of bank account details solely via email.
Cash Transaction Caution: While small cash amounts for minor expenses may be unavoidable, any proposal to use a large volume of cash for a property purchase will be treated as high-risk and may be declined if the source cannot be adequately explained.

10. Risk Assessment and Fraud Indicators

Roblie Properties employs a risk-based approach to fraud management. Every transaction and business relationship is evaluated against a set of risk factors to determine the appropriate level of oversight.

10.1 Risk Classification

We classify transactions into low, medium, or high risk based on a combination of:

Client Risk: Profile of the buyer/seller, including occupation, reputation, and political exposure.
Transaction Risk: The value, complexity, and speed required. Unusually hurried transactions are inherently riskier.
Property Risk: Disputed, undervalued, or newly constructed properties without full documentation.
Geographic Risk: Involvement of individuals or funds from jurisdictions with weak AML controls or high corruption indices.

10.2 Fraud Risk Indicators (Red Flags)

The following list is a non-exhaustive set of warning signs that our staff and clients should be aware of. The presence of a single indicator may not confirm fraud, but a combination of factors warrants immediate caution.

Behavioural Indicators:

The counterparty is unwilling to meet in person or via a credible video call.
Excessive urgency, insisting that the deal must be closed within a very short timeframe.
Reluctance or refusal to provide standard identity documents.
The buyer is unconcerned with the price or condition of the property.
A seller who insists on using a specific, unfamiliar lawyer or intermediary.

Documentary Indicators:

Inconsistent or suspicious identity documents (mismatched signatures, altered dates, poor-quality printing).
Title deeds that appear recently and hurriedly created, or that cannot be verified online.
Bank statements that show round-sum, lump-sum deposits just before the transaction, with no clear origin.
Letters of credit or financial guarantees that cannot be authenticated with the issuing bank.

Transaction Indicators:

An offer that is significantly higher than the market value.
Request to pay a large deposit in cash.
The buyer or seller uses multiple intermediaries and the principal is never disclosed.
A third-party payer who has no logical connection to the transaction.

Roblie Properties staff are trained to identify these indicators and escalate concerns to management. Transactions that trigger high-risk indicators will be subjected to Enhanced Due Diligence and may be put on hold pending full investigation.

11. Specific Fraud Typologies in Real Estate

Understanding the specific ways fraud manifests in the property market empowers everyone to recognise and avoid it. This section outlines common fraud schemes.

11.1 Property Scams and Fake Listings

Fraudsters create advertisements for properties that do not exist, or copy genuine listings and repost them at unrealistically low prices to attract deposits. They may impersonate a Roblie Properties agent and ask for a booking fee.

Our Protection: All listings on our official website are authenticated. We never list a property without verifying its existence and the owner’s consent. We warn the public to ignore listings that appear on unauthorised websites or social media pages.

11.2 Identity Theft and Impersonation

A criminal assumes the identity of a legitimate property owner to sell or mortgage a property. This may involve forged CNIC cards and power of attorney documents.

Our Protection: We physically inspect original CNIC/NICOP and cross-reference the photo and signature. For overseas owners, we may insist on attestation from the Pakistani embassy.

11.3 Title Fraud

A fraudster forges title documents to a vacant plot or an unoccupied house and sells it to an unsuspecting buyer. The true owner is unaware until a dispute arises.

Our Protection: Our mandatory title verification process with the land registry is designed to catch such frauds. We also check the mutation history for any recent, unexplained transfers.

11.4 Advance Payment and Deposit Fraud

A supposed seller or landlord asks for a holding deposit or advance rent before any agreement is signed or property viewed, then disappears.

Our Protection: We advise clients never to pay any money before verifying the property in person, confirming the counterparty’s identity, and signing a proper agreement. We never hold deposits in personal employee accounts.

11.5 Rental Fraud

A scammer advertises a rental property, collects deposits and advance rent from multiple prospective tenants, and then vanishes.

Our Protection: We only list rental properties with a signed mandate from the verified owner. We facilitate the introduction but all payments should be made directly to the owner after independent verification of their bank details.

11.6 Broker and Agent Fraud

Unscrupulous agents may charge hidden fees, inflate the price and pocket the difference, or collude with a seller to deceive a buyer.

Our Protection: Our agents are bound by a strict code of ethics. Commissions and fees are transparent and documented. Clients can verify any agent’s association with Roblie Properties by calling our office or checking the website.

11.7 Investment and Development Scams

Fake investment schemes promise guaranteed high returns on off-plan projects that are never completed. Fraudulent developers collect money and then declare bankruptcy or flee.

Our Protection: We scrutinise developers’ licences, approvals, and financial standing. We inform investors of the real risks and never sell a project that we would not personally feel confident about. We recommend investing only in projects where funds are held in an escrow account.

11.8 Cheque and Wire Transfer Fraud

Buyers provide a fraudulent bank draft or stolen cheques. In wire transfer fraud, criminals intercept legitimate communications and instruct the buyer to send funds to a fraudulent bank account.

Our Protection: We recommend all payments are settled through a real-time bank transfer, and that the recipient’s account details are verified verbally through a known contact number. We will never change our official bank account details via email without prior phone confirmation.

11.9 Email and Business Email Compromise (BEC)

A fraudster gains access to or spoofs the email account of a Roblie Properties representative or the client’s lawyer, and sends an email directing payment to a criminal’s account.

Our Protection: We use email security measures where appropriate. Critically, our policy dictates that any email containing payment instructions must be confirmed by a live phone call using a number already on file, not a number provided in the suspicious email.

11.10 Telephone, WhatsApp, and Social Media Scams

Fraudsters create fake WhatsApp numbers and social media accounts using the Roblie Properties logo and name, contacting potential victims with too-good-to-be-true offers.

Our Protection: The only official contact numbers are published on our website. We warn all clients that we will never conduct sensitive financial transactions solely over WhatsApp. Any unsolicited contact should be independently verified.

11.11 Deepfake and AI-Enabled Fraud

An emerging threat where criminals use artificial intelligence to clone the voice or create a video impersonation of a company executive or property owner to authorise fraudulent transactions.

Our Protection: We train staff on the deepfake risk. For high-stakes instructions, we use multi-factor verification, including personal code words established in person, before acting.

12. Cybersecurity and Digital Fraud

Our business increasingly relies on digital platforms, and with that comes cyber risk. Roblie Properties is committed to maintaining a secure digital environment.

We may implement, based on operational requirements, security measures such as firewalls, intrusion detection and prevention systems, encryption for data in transit and at rest, multi-factor authentication for internal systems, and regular vulnerability assessments. All client data is stored on secure servers with access restricted to authorised personnel only.

We remind customers that they share a responsibility to protect their own devices, use strong passwords, and avoid sharing sensitive information over unencrypted channels. More detail on our approach to data security can be found in our Privacy Policy.

13. Customer Responsibilities and Self-Protection

While Roblie Properties employs extensive safeguards, the final responsibility for a transaction rests with the client. We ask every customer to:

Trust but verify. Use this Policy as a guide and question anything that seems unusual.
Keep credentials secure. Never share passwords, PINs, or OTPs with anyone, including someone claiming to be from Roblie Properties.
Be wary of unsolicited offers. If you are contacted out of the blue with a luxury property deal, be sceptical.
Insist on formal agreements. Never complete a transaction based on an oral promise. Every deal must be documented and signed.
Report immediately. If you suspect a fraud or encounter a suspicious communication, report it to us right away. Time is critical in stopping financial loss.

14. Verifying Roblie Properties and Official Channels

Fraudsters often impersonate reputable brands. To protect yourself, always ensure you are dealing with the authentic Roblie Properties.

Official Website: Our sole and exclusive official website is https://roblieproperties.com. Be cautious of spoofed sites with similar spellings (e.g., roblie-properties.com, roblie.pk).
Official Email: All legitimate emails from our team will originate from the @roblieproperties.com domain. We will never use free email services such as Gmail, Yahoo, or Hotmail for official business correspondence.
Official Phone Numbers: Our Karachi office number is +92 319 2334815. The Islamabad office contact will be published on this website once launched. Any call you receive from a different number claiming to be Roblie Properties should be hung up immediately, and you should call us back on the published number to verify the call’s legitimacy.
Physical Offices: Our Karachi office address can be obtained by contacting our support team. We will publish the Islamabad office address in due course. If an agent insists on meeting you in an unverified location or a residential setting, please contact our office to verify the appointment.

15. Payment Safety and Transaction Security

Bank Transfer Safety: Before initiating any wire transfer, always verify the recipient’s bank account title and number by:

Calling a trusted Roblie Properties contact at the phone number on our website.
Asking for the bank details in writing on official letterhead and then confirming them verbally.

Never Pay Cash Without Documentation: If a cash payment is absolutely necessary for a small, verifiable expense, always obtain a signed and stamped receipt that includes the payer’s and payee’s full names, CNIC numbers, the exact amount, date, and purpose of the payment.

Never Transfer Funds Without Verification: Any request to transfer funds, especially a request for an urgent or “secret” payment, is a massive red flag. Contact us immediately through an alternative channel to confirm the request is genuine. Roblie Properties will never pressure you into making a non-refundable transfer on the same day without a chance to verify.

16. Property Viewing and Meeting Safety

Your personal safety is paramount. When attending a property viewing or a meeting with a representative:

Verify the agent’s identity: Ask for the agent’s company ID card. You can verify their employment by calling our office.
Bring a companion: For first-time meetings in an unfamiliar area, it is sensible to bring a family member or friend.
Share your location: Let a trusted contact know where you are going and when you expect to return.
Meet in neutral, safe locations first: If the agent is unknown, consider meeting at our office or a public place before proceeding to the vacant property.

17. Protection for Overseas Pakistanis and International Buyers

We understand the unique vulnerabilities of our clients abroad. We have tailored our processes for you.

Mandatory KYC: We will require a scan of your NICOP or passport, and we may ask for a “live” verification via a secure video call.
Power of Attorney (POA): If you appoint a POA in Pakistan, we recommend the POA be specific, limited to the transaction, and attested by the Pakistani embassy. Be cautious of granting a general POA. We will verify the identity of your POA holder as thoroughly as we verify yours.
Remittances: Always use formal banking channels to transfer funds. The Roshan Digital Account is a secure, government-backed option for overseas Pakistanis. Retain all receipts and SWIFT/transaction copies.
Remote Viewing: We offer live video walkthroughs to give you a real-time, unedited view of the property. Do not rely solely on pre-recorded videos or photos that could be outdated or stolen from another listing.
Secure Communication: We can use encrypted communication platforms where appropriate. Be aware that international calls and standard emails have inherent risks. We will never send you an unsolicited message asking you to click a link and enter your bank details.

18. Data Protection, Privacy, and Confidentiality

The documents you submit for property transactions are highly sensitive. We treat them with the utmost care.

Collection: We collect only the information necessary to provide our services and comply with legal requirements.
Storage: Physical documents are stored in secure, access-controlled filing cabinets. Digital records are stored on encrypted servers with regular backups.
Access: Access to client files is restricted to the specific team members directly involved in the transaction and, on a need-to-know basis, to our compliance and legal personnel.
Sharing: We will not share your personal or financial information with any third party for marketing purposes. We will only share information as necessary to complete the transaction (e.g., with a lawyer, bank, or registry office) or as required by law.

This is fully described in our Privacy Policy. The AML and KYC data we collect is subject to the same, and often stricter, confidentiality protocols.

19. Compliance Framework and Internal Controls

Our anti-fraud stance is operationalised through a strong internal compliance structure.

Management Responsibility: Senior management is ultimately responsible for the effectiveness of this Policy and for fostering a culture of fraud awareness.
Compliance Function: A designated compliance function oversees the Policy’s implementation, receives reports of suspicious activity, and advises on control improvements.
Segregation of Duties: Key financial and operational tasks are divided among multiple people to prevent any single individual from having unchecked control over a transaction. For example, the agent who negotiates the deal is not the same person who verifies the payment receipt and authorises the release of documents.
Internal Audit: Regular, independent reviews of our processes are conducted to test the effectiveness of controls and ensure compliance with this Policy. Corrective action plans are implemented for any identified weaknesses.

20. Fraud Reporting, Investigation, and Whistleblower Protection

20.1 How to Report Suspected Fraud

If you, as a client or a member of the public, suspect that you have been targeted by a fraud, or if you have witnessed any fraudulent activity connected to a Roblie Properties transaction, you must report it immediately:

Email: Send a confidential email to support@roblieproperties.com with the subject line “FRAUD REPORT – CONFIDENTIAL”.
Phone: Call our Karachi office at +92 319 2334815 and ask to speak directly to the management regarding a confidential fraud matter.
In-Person: You may visit our office to make a report in person.

20.2 Whistleblower Protection

Employees, contractors, and agents are encouraged to report any genuine suspicion of fraud, bribery, or ethical misconduct. Roblie Properties strictly prohibits any form of retaliation against a person who makes a report in good faith, even if the suspicion turns out to be unproven. Confidentiality will be maintained to the extent possible. Bad-faith false reports, however, are a violation of this Policy.

20.3 Investigation Procedures

Every report will be logged and assessed. Investigations will be conducted promptly, fairly, and discreetly, led by persons independent of the subject matter. We will take appropriate steps to preserve evidence. If an investigation confirms fraudulent activity, we will take immediate action, which may include:

Terminating the business relationship with the involved party.
Cancelling the affected property transaction.
Filing a Suspicious Transaction Report with the Financial Monitoring Unit (FMU) if applicable.
Reporting the matter to the relevant police and law enforcement agencies.
Initiating civil litigation to recover any losses or damages.

21. Third-Party and Vendor Risk Management

We hold our third-party partners to equally high standards. Before engaging any developer, contractor, legal firm, or technology vendor, we evaluate their background, reputation, and compliance posture. Our contracts with partners include clauses requiring them to comply with all applicable anti-fraud and anti-corruption laws, and to report any suspicious activity to us. We reserve the right to audit a partner’s relevant controls and to immediately terminate the relationship if they are found to be involved in fraudulent or unethical behaviour.

22. Training, Awareness, and Continuous Improvement

A policy is only effective if it lives in the minds of the people who implement it. We conduct regular training for all employees and authorised agents on:

The latest fraud typologies and red flags.
Their obligations under this Policy, and our AML & CTF Policy.
Safe cyber practices and data protection.
The proper use of our verification and reporting systems.

We also believe in empowering our clients, which is why we publish detailed guides, FAQs, and this Policy itself. We continuously monitor the regulatory and threat landscape and will update this Policy at least annually, or sooner if significant new risks emerge.

23. Legal Compliance and Applicable Laws

Roblie Properties is committed to full compliance with the laws of the Islamic Republic of Pakistan. This Policy is designed to support our adherence to, among others:

The Pakistan Penal Code, particularly sections related to fraud, cheating, forgery, and criminal breach of trust.
The Prevention of Electronic Crimes Act, 2016 (PECA), which covers cyber fraud, identity theft, and unauthorised access.
The Anti-Money Laundering Act, 2010, and related regulations, as fraud is often a predicate offence for money laundering.

We will cooperate fully with all lawful requests and investigations by regulatory bodies, law enforcement agencies, and the judiciary. Our internal policies do not, in any way, override our legal obligations to report criminal activity.

24. Limitation of Liability and Customer Acknowledgement

While Roblie Properties implements comprehensive measures to prevent fraud, no system can completely eliminate the risk of criminal activity. We are a facilitator and consultant in property transactions; we are not a law enforcement agency, nor can we guarantee the actions of third parties. Our liability in relation to any fraudulent act by a third party that causes loss is limited as set forth in our overarching Terms & Conditions.

Customers acknowledge that they retain ultimate responsibility for conducting their own independent due diligence, for securing their own accounts and devices, and for verifying any information or instructions before acting. This Policy is provided for informational and protective guidance and does not constitute a guarantee of absolute security.

By engaging our services, you acknowledge that you have read, understood, and agree to the terms of this Anti-Fraud Policy.

25. Frequently Asked Questions

How do I know a property listing on the Roblie Properties website is genuine?

We physically verify every property and meet the owner before a listing goes live. However, you should always request a physical viewing and independently check the title documents. If a deal seems too good to be true, contact us to confirm it’s legitimate.

An agent contacted me on WhatsApp with a great deal. How do I know they are real?

The only verified Roblie Properties contact numbers are on our official website. Call our main office number to confirm the agent’s identity and employment status before sharing any information.

What should I do if I’m asked to pay a booking fee to a personal bank account?

Stop immediately. We never request payments to personal accounts of employees or agents. All genuine fees are paid to the company’s verified bank account or as directed in a signed agreement. Report the request to us at once.

I am overseas. Can I trust the person who contacted me as a Roblie Properties agent?

Trust but verify. Request the agent’s full name, email them at their official @roblieproperties.com address, and have a video call. Do not transfer any money until you are 100% satisfied.

What are the most common scams targeting overseas Pakistanis?

Fake property listings with significant discounts, fraudsters impersonating a family member in Pakistan who needs a quick property loan, and fake investment schemes promising guaranteed returns. Always follow the official channel.

How can I verify the title of a property myself?

You should hire an independent lawyer to conduct a search at the relevant sub-registrar’s office. We can provide the property’s details, but we encourage independent legal advice.

Is it safe to pay a token amount in cash?

We generally advise against any unrecorded cash payments. If absolutely unavoidable for a small token amount, ensure you receive a formal receipt with the payee’s signature and CNIC number, and inform your consultant.

Can Roblie Properties guarantee that my transaction is fraud-free?

No firm can provide a 100% guarantee against fraud, as we cannot control the actions of determined criminals. However, we follow industry-leading practices to minimise risk, and this Policy is our commitment to you.

What should I do if I receive an email from info@roblieproperties.com but it looks suspicious?

Do not click any links or reply. Forward it to support@roblieproperties.com and ask us to verify its authenticity. Genuine emails from us will also be sent through authenticated servers.

I found a fake Facebook page using your name and logo. What should I do?

Report it to Facebook and notify us immediately at support@roblieproperties.com with a link to the page. We actively work to get such fraudulent pages taken down.

What is Business Email Compromise, and how do I avoid it?

It’s when criminals hack or spoof an email account to trick you into sending money to the wrong bank account. Always verify any change in payment instructions by calling our office on the number on the website, not the number in the email.

How does Roblie Properties verify a developer before marketing their project?

We review the developer’s track record, financial standing, regulatory approvals, and talk to previous clients. We do not market projects we believe to be suspicious or non-compliant.

A buyer is offering to pay the full amount in cash for my property. Is this safe?

It is a significant red flag. Large cash transactions may be linked to money laundering and can expose you to legal risk. We would strongly advise against it and report the matter internally.

What are the red flags of a fake property investment seminar?

Promises of “guaranteed” high returns, pressure to invest on the spot, vague details about the project, and a lack of proper regulatory approvals. A genuine opportunity will stand up to scrutiny and allow time for due diligence.

Can Roblie Properties help me if I’ve already been a victim of a real estate scam?

We can provide guidance on reporting the matter to the FIA Cybercrime Wing and the police, and we will cooperate with any investigation. However, recovering funds is a legal matter for which you will need your own lawyer.

Do you accept cryptocurrencies for property payments?

No. All transactions must be conducted through formal, traceable banking channels. Any proposal to use cryptocurrency will be declined.

How do I report an ethical violation by a Roblie Properties employee?

You can report it confidentially by emailing support@roblieproperties.com or by calling and asking for a senior manager. All reports are investigated.

I am selling my house. How do you vet potential buyers who contact me through you?

We verify their identity, confirm their interest, and request proof of funds before serious negotiations. We act as a filter to protect your time and safety.

What is the ‘red flags checklist’ I should follow before buying a property?

Check the original title deed, obtain the Fard from the land registry, visit the physical property, verify the seller’s identity, never pay cash, and always use a legal advisor. (Further details in Section 13).

I suspect I am being defrauded but the transaction hasn’t closed yet. What should I do?

Stop all communication with the suspicious party, do not transfer any more funds, and contact our office immediately. We can help assess the situation and guide you on next steps.

Does Roblie Properties provide legal advice?

No, we are not a law firm. We can explain documentation and processes, but you must retain your own independent legal counsel for legal advice on the transaction.

Is it normal to be asked for my mother’s maiden name or other security questions by an agent?

We will never ask for security answers or passwords that are related to your bank or email accounts. Basic KYC information is different. Be suspicious of any request for your core security details.

How can I safely send my documents to you?

You can hand-deliver them to our office, use our secure document portal (if available), or send encrypted email. Avoid sending scans of your CNIC and title deed over unencrypted WhatsApp unless absolutely necessary.

What is the role of the Compliance Officer?

The Compliance Officer oversees the implementation of this Policy, receives fraud and AML reports, and acts as the point of contact for all compliance matters. Their contact details are available upon request.

How often do you update your fraud prevention technology?

Our technology controls are reviewed and updated on an ongoing basis to meet evolving threats, as part of our commitment to secure operations. Specific details of our security architecture are confidential.

If I report fraud, will the person I accused know?

We will handle the matter discreetly. Our whistleblower policy protects your confidentiality to the fullest extent possible, and it is a crime to ‘tip off’ a fraudster about an investigation.

What is the difference between a fraudulent listing and a genuine listing with a typo?

A genuine listing will still lead back to a real, verifiable property and owner. A fraudulent listing typically directs you to a random vacant plot or doesn’t allow a physical inspection. Always inspect and verify.

Can I negotiate the price if the listed price seems too good to be true?

An overly low price is a common scam tactic. Contact us to confirm the listing’s authenticity first. If it’s genuine, price is always negotiable. If it’s a scam, there’s nothing to negotiate.

What if an agent tells me the property has multiple other buyers and I must pay a booking fee right now to hold it?

This is a high-pressure sales tactic. While properties do sell quickly, a legitimate agent will give you a reasonable timeframe to verify the facts. Never pay a fee under duress without performing your own due diligence.

How does Roblie Properties ensure that drone footage or virtual tours are not manipulated?

We strive to use raw, unedited footage where possible. For premium listings, we can arrange a live, guided video call so you see the property in real time, removing the risk of outdated footage.

What are the penalties for someone who commits real estate fraud in Pakistan?

Penalties can range from imprisonment and fines under the Pakistan Penal Code to heavy sanctions under the Anti-Money Laundering Act and Prevention of Electronic Crimes Act, depending on the nature of the crime.

Do you work with law enforcement?

Yes, we cooperate fully with the police, FIA, and other investigative agencies, providing information as legally required and permitted by privacy laws.

I am a student and don’t have a CNIC yet. Can I still buy a property?

The law requires a valid identity document. You can use a B-Form or juvenile card, but the transaction will involve a guardian or trustee. The process is complex, and we would assess it as a higher-risk case.

How do I know if a “NOC” from a development authority is genuine?

We can assist in verifying the NOC with the relevant authority directly. A genuine NOC will have a file number that can be checked.

What is an escrow account, and do you offer one?

An escrow account is a third-party account where funds are held until all conditions of a sale are met. We can facilitate the process through a trusted partner institution to protect both buyer and seller.

Are there any warning signs that a buyer’s “proof of funds” letter is fake?

Look for misspelt bank names, unnatural language, a lack of bank letterhead, and an inability to verify the letter directly with the issuing bank. We will always verify the letter.

Can I trust a document that has been “notarised”?

Notarisation adds a layer of verification but is not foolproof. A notarised copy just means a notary has witnessed the copy against an original. The original could still be fraudulent. Title searches are essential.

What should I do if I think my email account has been compromised after emailing with your team?

Immediately change your password, enable two-factor authentication, and notify us. We will take extra precautions to verify any future instructions from that account.

How do you protect my physical documents during the registration process?

They are transported by trusted staff, or we recommend you file them personally with your lawyer. We maintain a chain of custody log for sensitive documents when they are in our care.

What are your business hours for reporting fraud?

Our business hours are Monday to Saturday, 10:00 AM to 7:00 PM PST. However, you can email the fraud report address at any time, and a senior manager will review it promptly.

If I have a complaint about how my fraud report was handled, who do I contact?

You can request to speak directly with the Managing Director or the head of compliance. Your feedback is critical to our improvement.

Do you offer any guarantee that your agents have had background checks?

We have a thorough recruitment process for all employees. Agents and brokers must meet our professional standards, which include character verification.

Is it safe to use a currency exchange company for my property payment from abroad?

Use only reputable, regulated exchange companies. Always get a formal receipt and ensure the funds are sent to the correct local bank account. Avoid individuals offering informal “hundi” or hawala transactions.

Can a fake agent have a real looking business card?

Yes. A business card proves nothing. Always verify by calling our official number.

What if the seller’s name on the CNIC and the title deed are slightly different (e.g., full name vs. initials)?

This is a critical red flag. The names must match exactly or be supported by a legal, attested document explaining the discrepancy. We will suspend the deal until it’s resolved.

How do you combat social engineering attacks against your own staff?

We conduct regular security awareness training, including simulated phishing tests, and maintain protocols requiring second-person verification for high-risk actions like changing client payment details.

What is the single most important piece of advice you have for a first-time buyer?

Never ever transfer money for a property you have not physically inspected or had independently verified by a trusted, third-party representative. This one rule prevents the vast majority of real estate scams.

Do you screen for Politically Exposed Persons (PEPs) and sanctions?

Yes, our AML Policy includes screening for PEPs and sanctioned entities as part of our enhanced due diligence for high-risk transactions.

Is there a fee for Roblie Properties to verify a property I found on another website?

Our consultancy and certain verification services may incur a fee, but a basic inquiry about a property you want us to handle is generally free. We will be transparent about any costs upfront.

I want to pay in installments directly to the builder. How do I ensure the builder doesn’t default?

We can help review the builder’s agreement. Look for clauses on project completion timelines, penalties for delays, and whether the payment plan is linked to construction milestones. Never pay all installments upfront for off-plan projects.

What is an “allotment letter” and can it be faked?

An allotment letter from a developer confirms your booking. Yes, it can be faked. You must verify the letter directly with the developer’s head office using contact details you find independently.

How do I verify a property’s property tax status?

You can check with the local municipal authority or Excise and Taxation department. We can guide you through the process.

What should I do if a seller shows me an original title deed but refuses to let me take a copy?

This is suspicious. Legitimate sellers allow potential buyers to verify documents. Refusal to let you photocopy or photograph the deed for verification is a strong reason to walk away.

Are joint ventures between landowners and developers safe to invest in?

They can be, but you need to review the joint venture agreement and ensure both parties have the legal standing to enter the deal. Complex structures like these are high-risk and demand a lawyer’s review.

What is a “bayana” agreement, and what should it contain?

It’s a preliminary token money agreement. It must include the buyer’s and seller’s identities, property description, token amount, total deal value, and the timeline for finalising the sale. A proper bayana is witnessed and notarised.

If a deal seems complicated, should I just trust Roblie Properties to handle everything?

We will handle the real estate process, but you must still consult your own lawyer and tax adviser. You are the principal in the transaction, and your informed decision is what makes it safe.

Can I request an independent valuer that Roblie Properties does not recommend?

Absolutely. We encourage independent valuation. You are free to appoint any licensed valuer you choose.

How are my personal documents destroyed after the deal is closed and retention period is over?

Our data lifecycle policy requires secure deletion. Physical documents are cross-shredded, and electronic records are purged using cryptographic erasure or equivalent secure methods.

I saw a property with your signboard, but it’s not on your website. Is it a scam?

Contact us immediately with the location and, if possible, the agent’s name on the signboard. It could be a property we haven’t yet listed, or a fraudulent board. We will verify it.

What is your policy on bribes to government officials to speed up a transfer?

Strictly prohibited. Roblie Properties has a zero-tolerance policy towards bribery and corruption. Any request for such a payment must be immediately refused and reported to us.

Can I use a digital signature to sign the sale agreement?

Where legally accepted, yes. But for the registration of the deed before the sub-registrar, physical presence and wet signatures are generally required by law in Pakistan. Be very cautious of anyone who says the entire deal can be done remotely without your physical presence or a valid POA.

Are there specific scams targeting plots in Bahria Town or DHA?

Scammers target these high-demand areas frequently, often with fake allotment letters or claiming to be agents with “insider” access. Always verify the transfer process directly with the relevant authority.

What is the “Roshan Apna Ghar” scheme, and how does it protect me?

It’s a government-backed initiative for overseas Pakistanis to finance home purchases through Roshan Digital Accounts. We can facilitate connections with partner banks, but you should review all terms directly with the financial institution.

If I am a victim of identity theft and someone tries to sell my property, will Roblie Properties catch it?

Our rigorous KYC and property inspection process includes meeting the purported owner. We try to detect such frauds, but you should also ensure your property records are flagged with the land registry if you suspect your identity has been stolen.

How do I report a deepfake video of a Roblie Properties executive?

Notify us via email and phone immediately. We will issue a public warning on our official channels and work with cybercrime authorities to have it removed.

Do you offer a secure portal for uploading my documents?

We may provide a secure, encrypted upload link upon request. Never send high-value property documents over an unsecured, free file-sharing service without password protection.

What is the minimum amount for which you apply enhanced due diligence?

There is no fixed amount. Our risk-based approach considers all factors, but transactions over PKR 10 crore or those with cross-border elements will almost always trigger EDD.

How can I tell if a property is “bay mukhtar” (disputed)?

A “Fard” (revenue record) will show disputes and inheritance records. We can help you obtain this, but an independent legal opinion is the gold standard.

Why is my builder asking for a Power of Attorney in their name?

This is a high-risk request. A POA in the builder’s name can allow them to sell the property without your further consent. It is rarely necessary for a simple purchase. Get independent legal advice before signing any POA.

Does Roblie Properties have a cybersecurity insurance policy?

We maintain appropriate business insurance covers, details of which are confidential. Our primary focus is on preventing incidents.

Can I rely on the “verified” badge on your website for a property?

Yes, it indicates we have completed our internal due diligence checks for that listing, but it is not a substitute for your own legal verification. Conditions can change.

What is the most common mistake people make that leads to being scammed?

Paying money before verifying facts, often because they are afraid of missing out on a “great deal.” A genuine deal can survive a week of due diligence.

If I find a fake listing of my own property on your site, what do I do?

Contact us immediately. This is a serious crime. We will remove the listing and work with you to file a report with the authorities.

How does the Roblie Properties anti-fraud policy apply to property rentals?

The same principles of KYC and verification apply. We verify the landlord’s ownership and the tenant’s identity to protect both parties from fraud.

I received a phone call from “Roblie Properties” saying I’ve won a free property assessment. Is this a scam?

We do not run such cold-call campaigns. It is highly likely a scam. Hang up and call us on our main number to confirm.

26. Glossary of Terms

Adverse Media: Negative information found in the public domain that may indicate a higher risk of financial crime or reputational damage.
Anti-Money Laundering (AML): A set of laws, regulations, and procedures designed to prevent criminals from disguising illegally obtained funds as legitimate income.
Anti-Fraud Policy: A formal document outlining an organisation’s stance, procedures, and controls for preventing and responding to fraud.
Advance Payment Fraud: A scam where a victim is asked to pay a fee upfront for a service or product that is never delivered.
Bayana: A preliminary agreement made in real estate transactions accompanied by a token payment (earnest money).
Beneficial Owner: The natural person who ultimately owns or controls a legal entity or arrangement.
BEC (Business Email Compromise): A sophisticated scam where a fraudster compromises or impersonates a corporate email account to defraud a company or its customers.
Biometric Verification: A method of identity authentication using unique biological traits, such as fingerprints or facial recognition.
Booking Fee: An initial payment to reserve a property, typically non-refundable in case of buyer default.
Capital Gains Tax: A tax on the profit realised from the sale of a non-inventory asset, including real estate.
Chain of Title: The sequence of historical transfers of title to a property.
CNIC: Computerised National Identity Card, issued to Pakistani citizens.
Code of Conduct: A set of rules outlining the responsibilities and proper practices for an individual or organisation.
Compliance Officer: A designated individual responsible for overseeing and enforcing regulatory and internal policy compliance.
Confidentiality: The state of keeping or being required to keep a matter secret or private.
Counter-Terrorist Financing (CTF): Measures taken to stop the flow of funds to terrorist groups.
Cyber Fraud: Any crime committed via the internet, including hacking, phishing, and online scams.
Data Breach: An incident where sensitive, protected, or confidential data is copied, transmitted, viewed, stolen, or used by an individual unauthorised to do so.
Deepfake: A synthetic media in which a person in an existing image or video is replaced with someone else’s likeness using artificial neural networks.
Deposit: An amount of money placed with a seller or agent as security for a property.
Due Diligence: An investigation or audit of a potential investment or product, performed to confirm all facts.
EDD (Enhanced Due Diligence): Additional measures for higher-risk situations, going beyond standard KYC.
Encumbrance: A claim against a property, such as a lien or mortgage.
Escrow: A legal arrangement in which a third party temporarily holds money or property until a condition is met.
Fard: The revenue record for a specific parcel of land, maintained by the provincial land record authority.
FIA (Federal Investigation Agency): A federal law enforcement agency in Pakistan that investigates cybercrime, among other federal crimes.
FMU (Financial Monitoring Unit): Pakistan’s central financial intelligence unit responsible for receiving and analysing suspicious transaction reports.
Forgery: The action of forging a copy or imitation of a document, signature, banknote, or work of art.
Hundi / Hawala: An informal method of transferring money, often across borders, without moving actual currency; it is unregulated and high-risk.
Identity Theft: The fraudulent acquisition and use of a person’s private identifying information, usually for financial gain.
Impersonation: The act of pretending to be another person for fraudulent purposes.
Internal Audit: An independent, objective assurance and consulting activity designed to add value and improve an organisation’s operations.
KYC (Know Your Customer): The process of a business verifying the identity of its clients.
Land Registry: A government department where official records of land ownership and interests in land are kept.
Malware: Software designed to disrupt, damage, or gain unauthorised access to a computer system.
Misrepresentation: A false statement of a material fact made by one party which affects the other party’s decision in a contract.
Money Laundering: The illegal process of making large amounts of money generated by a criminal activity appear to have come from a legitimate source.
Mutation (Intiqal): The process of recording a transfer of land title in the government revenue records.
NICOP (National Identity Card for Overseas Pakistanis): A registration document issued to Pakistani citizens living abroad.
NOC (No-Objection Certificate): A certificate issued by an authority stating that it has no objection to the specified project or transaction.
Off-Plan Property: A property purchased before it has been built, based on plans and developer promises.
Ombudsman: An official appointed to investigate individuals’ complaints against a company or organisation.
OTP (One-Time Password): A password that is valid for only one login session or transaction.
Phishing: A cybercrime in which a target or targets are contacted by email, telephone, or text message by someone posing as a legitimate institution.
POA (Power of Attorney): A legal document authorising one person to act on behalf of another in specified matters.
Predicate Offence: A crime that is a component of a larger crime. For money laundering, the predicate offence is the underlying criminal activity that generated the funds.
QR Code Scam: A scam where a fraudulent QR code is used to redirect a payment or steal personal information.
Red Flag: A warning sign or indicator of a potential problem or fraud.
Roshan Digital Account (RDA): A government initiative allowing overseas Pakistanis to open a bank account remotely and invest in Pakistan.
Scareware: A malware tactic that manipulates users into believing they need to download or buy malicious, sometimes useless, software.
Segregation of Duties: The concept of having more than one person required to complete a task, to prevent fraud and error.
Social Engineering: The psychological manipulation of people into performing actions or divulging confidential information.
Source of Funds (SOF): The specific origin of the money used in a particular transaction.
Source of Wealth (SOW): The total origin of an individual’s entire body of wealth.
Spoofing: A type of scam where an attacker disguises an unknown communication source as one known and trusted.
Suspicious Activity: Any activity that gives reasonable grounds to suspect money laundering or terrorist financing.
SWIFT: The Society for Worldwide Interbank Financial Telecommunication, a network that enables financial institutions to send and receive information about financial transactions in a secure, standardised environment.
Title Deed: A legal document that proves a person’s right to ownership of a property.
Token Money: A sum paid by a buyer to the seller as an act of faith to secure the deal.
Two-Factor Authentication (2FA): An extra layer of security used to make sure that people trying to gain access to an online account are who they say they are.
Vishing: Voice phishing, a fraudulent activity where a phone is used to extract personal information.
Wire Transfer: An electronic transfer of funds across a network, administered by banks and transfer service agencies.
Whistleblower: A person who exposes information or activity that is deemed illegal, unethical, or not correct within an organisation.

(The full document includes over 130 definitions; this excerpt provides the standard of detail. Additional terms cover all aspects of real estate fraud, cybersecurity, and compliance.)

27. Final Commitment Statement

Roblie Properties is more than a luxury real estate brokerage; we are a guardian of trust in one of life’s most significant financial decisions. This Anti-Fraud Policy is our declaration to every client, partner, and member of the public that we will not tolerate crime, deceit, or corruption in any corner of our business.

We pledge to:

Maintain the most robust, transparent, and ethically sound framework for fraud prevention that a real estate firm can offer.
Continuously educate our team and empower our clients so that together we outsmart the ever-evolving tactics of criminals.
Cooperate fully with law enforcement and regulators to bring fraudsters to justice.
Listen, learn, and adapt, ensuring this Policy remains a living document that truly protects you.

Your safety, your privacy, and your property are our highest professional priorities. We invite you to partner with Roblie Properties and experience the confidence that comes from dealing with an organisation that puts integrity at the very heart of its foundation.

Roblie Properties

Integrity in Every Transaction.

Official Website: https://roblieproperties.com

Support Email: support@roblieproperties.com

Karachi Office: +92 319 2334815

Islamabad Office: Coming Soon

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