Get to know people, take your time and trust your instincts.
Added: 1 January, 2018
Act with caution and learn more about someone before contacting him or her outside of the dating site. Dating services run mail and chat so you can get to know people in a safer and [monitored/controlled] way. They do it to protect you, not to make money. Use their platform and the added security it gives. If and when you do decide to share an e-mail address think about creating a separate and anonymous email address.
Sometimes when you're excited about someone, your instincts can be confused by strong feelings. Take care and take your time when you talk about yourself. You don’t need to give out your life-story the first time you chat – and you shouldn’t. There will be plenty of time to share such details if your relationship develops.
There is a limit to an online dating provider’s ability to check the backgrounds of users and verify the information they provide. They cannot do a criminal records check on every user. And a person can become a problem without having a record. Therefore, don't get a false sense of security because you're on a dating site; do your own research to learn more about someone and make informed decisions before you decide to meet. Check to see if the person you're interested in is on other social networking sites like Facebook, do a web search to see if there are other records of the person online, and if possible use google image search to check the profile photos.
Why would someone need to borrow money off somebody they have never met, or only just met? There is no reason for anyone to ask you for money or your financial information, whatever sad or sob story they give. Always keep your bank and account information private. Stop all contact immediately and report the matter to the dating site.
Nobody should have to put up with offensive, insulting and threatening behaviour online any more than they should or would if talking to someone in a bar or café. Trust your instincts and immediately stop communicating with anyone who makes you feel uncomfortable or apprehensive. Never feel embarrassed to report a problem to the dating service. You are helping them and doing other users a favour.