Keep your account secure

LDN4 Capital is in full support of the ‘Take Five’ campaign. An initiative run by Financial Fraud Action UK, it’s about taking a few minutes to stop and think about the red flags you might miss if you’re feeling rushed, confused or pressurised.


We’ve taken inspiration from the ‘Take Five’ campaign to put together our tips for keeping your account safe.

Top five tips

1. Make sure you know who you’re talking to before giving out any personal information

Before you give out any personal information, stop and think about why the person asking for it needs it. Question uninvited approaches, and contact the company directly using an email address or phone number you know is theirs. Never let anyone else know your security details, like your PIN or password. 


2. Don’t click on links in emails or download files

You shouldn’t assume an unexpected email or text message is authentic. Clicking on an unknown link that takes you to a login page, or a page that asks you for personal information can give fraudsters access to your personal or financial details.


3. Don’t let anyone rush or pressure you into making a decision

Stop and take time to consider what you want to do and if you are comfortable with what you are being asked by the caller. No trusted organisation would force you to make a transaction on the spot, or ask you to transfer money into another account.


4. Trust your instincts

If something doesn’t feel right, question it and don’t give out any information until you have made sure who you’re speaking to. Fraudsters can lull you into a false sense of security, making themselves seem trustworthy when they aren’t.


5. Don’t panic

Have the confidence to refuse unusual requests for personal or financial information. Criminals may try to intimidate you by starting complex conversations – stop the discussion if you feel out of control.

Choosing strong passwords

When you apply for an LDN4 Capital account, we ask you to choose a password to access your account online. It’s important that you choose this carefully, as a secure password will help keep your account safe from fraud.

Side Effects

Will taking Tylenol (or Motrin or ibuprofen) prior to being vaccinated help with any post injection symptoms?

At this time, we do not recommend pre-medicating with Tylenol or other medicines because they may suppress your immune system's response to the vaccine. Instead, monitor your side effects and medicate as needed. (Updated 1/21/2021)

What is considered a history of anaphylactic shock? Some more problematic than others? Allergy shot reactions?

Anaphylaxis (an-a-fi-LAK-sis) is a serious allergic response that often involves swelling, hives, lowered blood pressure and in severe cases, shock. This is much more than just an allergic reaction such as rash, etc.

My 16 year old has a history of anaphylaxis d/t a shellfish allergy. Is the shot safe for those with food allergies?

The Pfizer vaccine carries a warning about those with anaphylaxis. They are not absolutely excluded but should have a discussion with their allergist and make the immunizing team aware. The Moderna vaccine doesn't have this warning. Unfortunately, it is not indicated in those under 18 (as of now.) Lastly, remember, that ANAPHYLAXIS is the issue. Not just allergy. Anaphylaxis is a severe reaction causing trouble breathing, low blood pressure, etc. This requires emergency treatment and an Epipen. Those are the patients that must take precautions and speak with their allergists.

For those who have a history of severe reactions to flu a reaction likely with this covid shot?

I would say to expect a reaction even though the mechanism is very different. Pre-medicating with Tylenol etc will help depending on the reaction to the flu vaccine. I would definitely check with your personal doctor and make sure the team immunizing you is aware of the reaction.

If you are high risk and have a history of anaphylactic shock, are there precautions to be taken in order to still get the vaccine?

Yes. First, absolutely discuss it with your allergist. Most of the time, having your Epipen, and making sure the team immunizing you is aware, is enough. It might be worthwhile to also pre-medicate with antihistamines or steroids but definitely a discussion to have with your doctors.

What are the side effects of the vaccine?

After you receive the vaccine, an immune response will occur. This does not mean you are sick – it means your immune system is activated and working to produce antibodies that fight off infection, should your body be exposed to that particular virus. This is a good thing! Side effects to be expected/prepared for with the COVID vaccine include a sore injection site, body aches, and less frequently a mild headache or low-grade fever. When they do occur, they usually last about 24 hours. Medicines like Tylenol can be taken as needed to alleviate these symptoms.


Is it correct that the vaccine doesn’t completely protect you against getting and transmitting COVID-19, but it is 95% (+/-) effective in preventing you from getting sick from the virus?

First, mRNA vaccines are new, so we must take all information as it is available and one day at a time, and be open to new findings. Second, in studies, the COVID vaccines were over 94% effective at preventing symptomatic COVID disease. That is great news. Third, in general, vaccines work by recognizing a virus upon its entry into the body (by the nose, mouth, or another orifice) and block it from replicating and thriving in the host. A dead virus can't make you or others sick. The big question is about timing: HOW LONG will it take for the immune response to attack the virus in an immunized person and shut it down? We know it is plenty fast enough to keep that person from becoming sick. However, if a few pesky viruses enter the nose of an immunized patient and are sneezed out before they are blocked, could they make another person ill? In theory, yes. Now, we have to remember that while mRNA vaccines are new, our study of viruses and vaccines is not. We know that you are most contagious when your viral load is high. An immunized person, once fully immune, will be able to neutralize SARS-CoV-2 practically better than any other vaccine we have seen. So, should all immunized people run free and cough and sneeze with abandon? Of course not. Should we all hibernate under the wet blanket of this uncertainty, after hibernating for 8 months under the wet blanket of NO VACCINE AT ALL? NO. These vaccines work-arguably better than any vaccines we have ever had. They are very well tolerated. We need to get them into as many people as fast as possible. The fewer people that get sick, the fewer people they will make sick. It is that simple. But we need to remember: immunization is not an iron-clad door. It's more like a storm door—with a screen—that your kids sometimes leave open in a flurry of haste and self-importance. Yes, some unwanteds may get in through the cracks, but with care, attention, and diligence, that risk, as far as what we know now, is small.

I received the first dose of Pfizer today, and need to return for a second dose. Am I still at risk now? Will I be at risk after the second dose?

About one to two weeks after the first dose, you do have some immunity but could still become infected. In studies, the highest efficacy rates were demonstrated after the second dose. So, it is certainly better than no vaccine, but not as good as it could be.

Can you still transmit the virus to others once you have received both doses of the vaccine?

It would be extremely, extremely unlikely. The vaccines will shut down the ability of the virus to multiply within the host's cells. You must have a living "breathing" virus to infect others. It is NOT correct the vaccine ONLY produces reduced symptoms. Vaccinated people who are exposed to the virus block it from invading their cells therefore, they do not get sick and can't make others sick.

Is there any data on how long we can expect the vaccine to effective / provide protection?

The most recent study I read demonstrated antibody immunity for 8 months. However we also can get T-cell immunity, which can last decades. This is really great news. Stay tuned for more information we will share as it becomes available.

Risk Factors

What is your guidance on pregnant women receiving the vaccine?

The American College of Obstetricians and Gynecologists recommend that pregnant women DO get the vaccine. While the trials did not include pregnant women, the risk to expectant mothers who get CoVID is higher. So, the benefits, right now, appear to outweigh the risks.

I have an immune disorder (multiple) and regularly on immunosuppressive therapy. The side effects seem complicated and I'm not sure how to approach research and decisions about getting the vaccine I am slated for.

Based on my reading, the risk of CoVID in your case is much higher than the risk of a reaction to the vaccine. I would have a serious discussion with your doctor/rheumatologist or immunologist who manages your treatment.

What is the recommendation for women who are breastfeeding?

There is not a contraindication to the vaccine in nursing moms who meet the other criteria for vaccination.


How long after the 2nd dose of the shingles vaccine should you wait to get the covid vaccine?

I have read 30 days from the timing of another vaccine, but the rationale is not clear. I will read more about it and work to update this answer as soon as possible.

Is there any truth in a waiting period between receiving other vaccines such as pneumonia, shinrax, mmr, etc. and when you can get a covid vaccine?

There is a recommendation I have seen to wait at least 30 days from the time of another vaccine, but I don't know the rationale. I will return to this question to update the answer, but in the meantime please contact your provider so we can review your case individually.

My dad’s assisted living facility in ChesCo has scheduled their vaccines 2 weeks apart instead of the 3-4 weeks CDC recommends. Should I worry about this?

There is a window depending on which vaccine. The Pfizer vaccine is 9-21 days. Moderna is precisely 28 days. I have no idea why though. I believe that to maintain state requirements they vaccinators need to stick to those guidelines.

If you have had COVID-19, how long do you have to wait before getting the vaccine?

One of my colleagues had CoVID in April and just got her first dose. She did have significant side effects. The closer you are to the disease, the more likely you will have a strong immune reaction (side effects) to the vaccine. Currently, the recommendations are to wait 90 days from the end of your COVID illness until you get the vaccine.


Would the caregiver/spouse (69+) of high risk over 75 be permitted to be vaccinated at the same time?

I am not sure, but I will find out. I think that unless the caregiver also fits another of the 1C categories, they may not be eligible. Again, some of these decisions will be made on a case by case basis by the medical team.

When it becomes available, what are your thoughts on the vaccine for late teen/early 20's women with no other risk factors? Are there potential fertility issues?

Research on fertility is almost impossible to conduct as it would take years if not decades to gather information. So, it is true, we do not have studies showing that mRNA vaccines DO NOT cause infertility. However, based on all safety data and other well-established vaccinology science, there is absolutely NO evidence that suggests they do. The original question about Pfizer’s vaccine affecting female fertility is based on the theory that the mRNA vaccine instructs the immune system to recognize a protein on SARS-CoV-2 that is very similar to placental proteins. It is not hard to debunk this theory.
We are now seeing many women who have become pregnant successfully after contracting CoVID in the spring (apparently, not everyone was sewing masks and making bread.) Placenta is placenta. If natural immunity from having CoVID doesn’t destroy the placenta, why would the same immunity induced by vaccines?
As a scientist, I wish to God we had more time to answer these questions definitively. But, we are now forced to make the BEST possible decisions based on the information we have at hand. However, I understand the fear. If this pandemic had happened 22 years ago when we were first starting our family, I don’t honestly know WHAT I would do. Women between the ages of 18 and 35 are the most likely to “pass” on the vaccine. Presuming these women DO NOT become pregnant during the pandemic, their relative risk of serious disease is low (remember pregnant women are different.) Pregnant women should very seriously consider getting the vaccine. They have not been studied in pregnancy but the risk of severe CoVID in pregnancy is high. So, the American College of Gynecologists has advised that all pregnant women get the vaccine. So, if we, as a world beaten to death by this pandemic, have to give grace to a group with vaccine hesitancy, perhaps it should be given to young women fearing they might be sacrificing one of life’s greatest gifts.
Here’s what we all CAN do: Those of us who can get the vaccine should, as soon as possible. Those who are hesitant should stay informed, ask questions, and base decisions on reliable, medical sources. We need 75%-80% of us to develop herd immunity. We have to expect and accept that some people will decline. We shouldn’t blame these women who are scared. Instead, we should build an immunized ring of safety around them.

My in-laws are in their 80s and live in NJ. Could they get the vaccine in another state if it’s available sooner?

Every state and even county within our state of PA has slightly different rules. My team had to fill out an attestation that we lived or worked in Chester County prior to being able to get the vaccine at our local health department. I would doubt that unless they had a residence in the other state that they would be able to. Best to check with the local health department.

What criteria labels you “high risk” and eligible to receive a vaccine in group 1C?

The underlying conditions most often associated with high-risk categories are obesity, diabetes, COPD, chronic kidney disease, and heart disease. This is where it will be somewhat at the discretion of the medical team to determine eligibility. For example, while it is not on this list, I would consider my patients on immunosuppressive medications to be high risk.

When will there be a vaccine for children?

I have read the trials are to include children starting this month and next. I would not expect children to be eligible until summer time. By then, if enough adults have been immunized, it might be a moot point.

I have teenagers — a 19-year-old and a 16-year-old — that are both eligible to receive a vaccine in early phases due to a medical condition and work status. Should I be concerned with long term side effects, since they’re so young? Would you let your teens get vaccinated?

I would not be concerned! Your 16 year old though can only get the Moderna vaccine.

When will we get the vaccine?

Eligibility for the vaccine is currently being decided by local departments of health. Visit the Chester County Health Department website here to read about the groups that are currently eligible.

Is the vaccine currently available to all employees who work in a medical office in Chester County?

If you are employed in a patient-facing role in a medical practice, you should be able to get the vaccine through the Chesco Health Department.

Will you contact us when the vaccine is available for very high risk patients? And can their spouse get one as well?

The local health department is your best source for this. I would check their website often as the information changes. The risk groups right now just apply to the patients themselves, not their contacts/caregivers.

Where is the schedule of when the vaccine groups are available to get it?

Your local health department is your best source for this information. I would also check back on their website often, as the information can change. For Chester County residents, here is a link to the Chester County Health Department's COVID-19 Vaccine information page.

Will you have a waitlist or reserve doses at CMMD and Associates?

Our application to be a vaccine provider has not been approved yet. Once we are approved, we will have more details on how we will distribute vaccines.

If I had COVID-19, do I still need the vaccine?

Yes, but it is recommended that anyone who has recovered from COVID wait 90 days before getting the vaccine.


Is there live COVID-19 virus in the vaccine?

The vaccines currently approved do not contain the live COVID virus.

What is emergency use authorization (EUA)?

The Commissioner of the FDA can issue Emergency Use Authorization for medical products, so they can be used in an emergency to diagnose, treat, or prevent serious or life-threatening diseases caused by chemical, biological, radioactive or nuclear (CBRN) agents when there are no adequate, approved and available alternatives. For more on EUA, please see the FDA's EUA page here.

Can I trust the vaccine? Is it safe?

While mRNA vaccines have not been used to date, they have been reseached for decades. Because they do not containe any viral particles (live or killed), they cannot cause a case of COVID-19.

Once I get the vaccination(s), will I have to do so every year like the flu vaccine?

At this time, noone knows for sure how long or how complete the immunity induced by the vaccine will be.

Will there be an out-of-pocket cost for the vaccine at CMMD and Associates?

At this time, there is no cost for COVID vaccines.

How many doses is the vaccine?

At this time, both the Pfizer and Moderna vaccines require two doses.

What if I get only 1 of the 2 doses of the vaccine?

We know that one vaccine does provide a significant amount of immunity. However, at this time, two doses are recommended.

Which vaccine will you have at CMMD and Associates?

We will not know which vaccine we will have until our application has been approved.

Telephone scams

No genuine organisation – be that us, your bank or alike – will ever call you to ask for your password or to move money to another account.


Only give out personal information like your date of birth or address when you’re sure of who you’re speaking to. Ask to call them back if you’re unsure, using the organisation’s phone number from a source you trust.

Check for fraud

  1. If you’re suspicious, check the following:
  2. Does the email use your proper name?
  3. Does the sender address match the website address of the organisation you think it’s from?
  4. Is there a sense of urgency, asking you to act immediately?
  5. Are there spelling and grammatical errors?
  6. Is the entire text of the email in an image?
Don’t click on any links – they may take you to a fake website. If you’re unsure whether the email you’ve received is genuinely from us, give our Customer Care Team a call and we’ll be happy to help.

Text message scams

If you receive a text message telling you that you’ve been a victim of fraud, be wary. It could be a criminal pretending to be your bank or another trusted organisation. Texts like these often ask you to call a number or visit a fake website to update your details.

Three signs a text message might be a scam

  1. The message asks for personal or financial information, passwords, or to make a transaction.
  2. It asks you to call them on a number you don't recognise. Find your bank's phone number from a source you trust – their website or a bank statement – to check it’s authentic.
  3. There’s an urgent tone to the message, asking you to act quickly.

Phishing emails

Phishing emails look like they are from a legitimate company and typically ask you to share security information or details about your bank account. They often contain links to sites that may contain malware or give the criminal access to your device.

Check for fraud

  1. If you’re suspicious, check the following:
  2. Does the email use your proper name?
  3. Does the sender address match the website address of the organisation you think it’s from?
  4. Is there a sense of urgency, asking you to act immediately?
  5. Are there spelling and grammatical errors?
  6. Is the entire text of the email in an image?
Don’t click on any links – they may take you to a fake website. If you’re unsure whether the email you’ve received is genuinely from us, give our Customer Care Team a call and we’ll be happy to help.

Stay safe online

Scammers often use malware – which means malicious software – to attempt to steal your personal or financial details, or to take control of your device. There are a few things you can do to help keep yourself safe online.


Check that you’re using a secure HTTPS connection

Always check that the URL is spelt correctly. And if the website is secure, you should see a padlock symbol before the URL.


You can click on the padlock to check that the connection is secure and for more information, or you can click into the URL field to see whether or not it starts with https://. If it doesn’t, don’t share any personal information with that website.


Update your anti-virus software

Make sure your device has the latest software updates installed – some of those updates are designed to combat fraud and keep your device secure. And make sure you have anti-virus software installed to help protect you.


Don’t download software you don’t recognise

Never download software from a source you don’t trust. These links often contain software that could give criminals access to your device. If someone has called you unexpectedly claiming to be from your bank or another trusted organisation, be wary and never give them access to your device.

What we do to protect you

Nothing is more important to us than protecting your personal information and your savings – here are some of things we do to help keep you safe.


Last logged in

When you log into your account, we show you the last date and time you logged in on your dashboard. If something doesn’t look right, call us as soon as possible.


Recent transactions

You can check your recent transactions by logging into your account and selecting ‘statement’.


Linked account

You can only withdraw money from your account to one external bank account – we call this your linked account. This stops money being transferred from your account to anywhere but the linked account you’ve chosen and verified with us.


It’s still important that you take every care to keep your account and money safe. For example, if you transfer money from your LDN4 Capital account to your linked account to pay for something, make sure that you’re confident you know who it is you’re paying.


Data encryption

Your data is encrypted and transferred between our systems securely, and we monitor our systems 24 hours a day, seven days a week.

Contact us

If you suspect you’ve been a victim of fraud or if you have any other questions about how to keep your account secure, please call our Customer Care Team on 0203 287 4656 or +44203 287 4656 if you’re calling from abroad. Our lines are open from 8am to 8pm, Monday to Friday (excluding bank holidays).


Out of hours advice

If you suspect you’ve been a victim of fraud:


  • Change your password immediately by clicking ‘settings’ and then 'change password' from the main login page. 

  • Contact your bank account provider as soon as you can and tell them what’s happened.

Helpful links


Contact Us

+44 (0) 203 287 4656

8am to 8pm

Monday to Friday

Investment Warning: Trading on margin carries a higher risk, and may not be suitable for all investors. The high degree of leverage can work against you as well as for you. Before deciding to invest, you should carefully consider your investment objectives, level of experience, and risk appetite.


The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose. You should be aware of all the risks associated with trading, and seek advice from an independent financial advisor if you have any doubts. 


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