What do the risk levels mean?

Low (typically score 0–29): few or no strong scam patterns — still not 'safe', verify independently. Suspicious (30–59): some warning signs; proceed with caution and double-check. High (60–79): strong scam indicators; do not pay, share OTP, or install apps. Critical (80–100): act immediately — stop the transaction, end the call, and follow the do-not-do list. The exact score and signals explain why you landed in that band.