#FactCheck -AI-Generated Image Falsely Claims Mohan Bhagwat Laid Foundation of ‘52nd Shakti Peeth’

Introduction
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" सर्वे भवन्तु सुखिनः, सर्वे सन्तु निरामयाः " May all be happy, may all be free from suffering. This timeless invocation reflects a vision of collective well-being, where progress is meaningful only when shared, and protection extends to every individual in society. This very philosophy lies at the heart of Corporate Social Responsibility, which seeks to ensure that growth is not isolated or unequal, but inclusive, ethical, and mindful of the broader social good.  

At its core, Corporate Social Responsibility is not merely a statutory obligation, it is a reflection of a deeper ethical commitment, an acknowledgement that growth must carry with it a sense of duty towards society. In many ways, CSR embodies the idea that progress without responsibility is incomplete, and that corporations, as key actors shaping modern life, must help safeguard the very communities they engage with.
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Reframing Digital Literacy Through Cyber Safety in CSR Frameworks
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In India, this moral vision has been given a legal structure under the Companies Act, 2013, CSR Schedule VII, which mandates certain classes of companies to allocate a portion of their profits towards socially beneficial activities. Section 135 of the Act requires companies meeting specified financial thresholds to undertake CSR initiatives, guided by principles of inclusivity, sustainability, and social welfare. The underlying values are clear, CSR is intended not as charity, but as a strategic and accountable contribution to societal development.

Schedule VII of the Act further outlines the broad areas that qualify as CSR, including “Education and Digital Literacy”, gender equality, rural development, and measures for reducing inequalities. Within this framework, promoting “digital literacy” has increasingly been recognised as a legitimate and necessary CSR activity, especially in the context of a rapidly digitising society like India.

However, the current understanding of digital literacy within CSR remains incomplete. It often emphasises access and usage, teaching individuals how to navigate digital platforms, use devices, and engage with online services. What remains insufficiently addressed is the question of safety. In an environment where cyber fraud, data breaches, online harassment, and identity theft are becoming increasingly common, digital literacy without cyber awareness risks becoming a partial and potentially harmful intervention.

Embedding cyber awareness and capacity building within ‘digital literacy’ in explicit form is therefore not optional, it is essential. This includes equipping individuals with the ability to recognise online threats, protect personal data, understand digital consent, and respond effectively to cyber risks. It also requires recognising that vulnerable populations, including first-time internet users, women, and marginalised communities, often face disproportionate exposure to cyber harm.

“It is pertinent to note that Cybersecurity awareness training is relevant to CSR but is not yet consistently implemented as an explicit CSR activity. It is often included indirectly within digital literacy programs, highlighting the need for a more structured, progressive and integrated approach.”

Given this reality, there is a strong case for explicitly recognising cyber awareness as a distinct and integral component of CSR activities, rather than treating it as an implicit subset of digital literacy. Doing so would not only align CSR with contemporary societal risks but also ensure that corporate interventions move beyond enabling access to actively ensuring safety.

In a digital society, empowerment without protection is incomplete. If CSR is to truly reflect its foundational values, it must evolve to address not just the opportunities of the digital age, but also its risks.
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Why Cyber Safety Must Be Central to CSR
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The current state of digital ecosystems, which used to operate as secondary systems, now functions as essential systems that support government operations, banking systems, educational institutions, and social communication. The digital environment has its vulnerabilities, which create direct dangers for people in society. The elderly, first-time internet users, and rural communities face higher cyber threat risks because they often lack knowledge and protective resources on responsible use. The implementation of CSR initiatives that provide digital access to these groups, along with how to handle risks, will create greater benefit for their safety. Organisations must encourage the implementation of cyber safety training in their CSR programs because doing so will create value while fulfilling their ethical obligations. The empowerment process needs to achieve complete success, which protects people from any potential dangers according to the "do no harm" principle.
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Key Components of CyberPeace-Aligned Digital Literacy
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To make CSR initiatives more effective and future-ready, organisations should incorporate the following elements into their digital literacy programs:

1. Cyber Awareness and Risk Recognition: The training program teaches participants how to recognise typical security threats, which include phishing attacks and scams, deepfake technology and misinformation.
2. Data Protection and Privacy Literacy: The program teaches users how to protect their personal information, together with the process of giving consent and the methods used to handle their online presence. 
3. Responsible Digital Behaviour: The program teaches people how to use the internet responsibly by showing them how to make ethical decisions that require both respect and accountability while understanding the legal consequences of their actions. 
4. Incident Response and Reporting Mechanisms: The program teaches users about cyber incident response, which includes all reporting methods and available support resources. 
5. Inclusion-Focused Design: The program develops specific solutions which protect various demographic groups from their particular vulnerabilities while maintaining accessibility and essential programmatic relevance.

Policy and Institutional Alignment
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The integration of cyber safety into corporate social responsibility lets organisations achieve their national objectives, which include:

• Strengthening digital trust and resilience
• Supporting safe digital inclusion initiatives
• Complementing the efforts of institutions working on cybersecurity awareness and capacity building

The structured approach requires organisations to execute three specific steps, which include:

• Partnering with cybersecurity organisations and civil society
• Developing standardised cyber awareness modules
• The organisation will use behavioural change indicators to evaluate its impact instead of relying on access metrics.

The Way Forward
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Digital-era Corporate Social Responsibility needs to transition from its present state of providing access to digital resources toward establishing secure online platforms for users. The understanding of digital literacy needs to shift from its current status as a technical ability toward its new definition as a social competency that encompasses safety, responsibility and resilience training.

Companies need to understand their digital transformation obligations because their digital transformation efforts require them to handle all associated risks. The implementation of cyber safety within corporate social responsibility frameworks will enable organisations to develop a secure and trustworthy digital environment that includes all users.

Conclusion
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The implementation of corporate social responsibility needs to fulfil its core mission of creating societal benefits through inclusive practices that span all current digital possibilities and their associated security threats. The field of digital literacy requires a new framework that combines digital safety practices with its existing educational materials.

The digital safety practice ensures that people obtain essential knowledge and skills that enable them to use digital resources securely when they access online content. The process of accomplishing shared community prosperity needs to establish a framework that benefits every person through social advancement and the protection of their rights.
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References
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• https://upload.indiacode.nic.in/schedulefile?aid=AC_CEN_22_29_00008_201318_1517807327856&rid=79
• https://www.allresearchjournal.com/archives/2025/vol11issue4/PartF/11-5-60-511.pdf
• https://www.unesco.org/en/dtc-finance-toolkit-factsheets/corporate-social-responsibility-csr
• https://www.investopedia.com/terms/c/corp-social-responsibility.asp
• https://digitalmarketinginstitute.com/blog/corporate-16-brands-doing-corporate-social-responsibility-successfully
• https://www.imd.org/blog/sustainability/csr-strategy/

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Introduction

In the wake of the Spy Loan scandal, more than a dozen malicious loan apps were downloaded on Android phones from the Google Play Store, However, the number is significantly higher because they are also available on third-party marketplaces and questionable websites. 

Unmasking the Scam

When a user borrows money, these predatory lending applications capture large quantities of information from their smartphone, which is then used to blackmail and force them into returning the total with hefty interest levels. While the loan amount is disbursed to users, these predatory loan apps request sensitive information by granting access to the camera, contacts, messages, logs, images, Wi-Fi network details, calendar information, and other personal information. These are then sent to loan shark servers.

The researchers have disclosed facts about the applications used by loan sharks to mislead consumers, as well as the numerous techniques used to circumvent some of the limitations imposed on the Play Store. Malware is often created with appealing user interfaces and promotes simple and rapid access to cash with high-interest payback conditions. The revelation of the Spy Loan scandal has triggered an immediate response from law enforcement agencies worldwide. There is an urgency to protect millions of users from becoming victims of malicious loan apps, it has become extremely important for law enforcement to unmask the culprits and dismantle the cyber-criminal network.

Aap’s banned: here is the list of the apps banned by Google Play Store :

• AA Kredit: इंस्टेंट लोन ऐप (com.aa.kredit.android)
• Amor Cash: Préstamos Sin Buró (com.amorcash.credito.prestamo)
• Oro Préstamo – Efectivo rápido (com.app.lo.go)
• Cashwow (com.cashwow.cow.eg)
• CrediBus Préstamos de crédito (com.dinero.profin.prestamo.credito.credit.credibus.loan.efectivo.cash)
• ยืมด้วยความมั่นใจ – ยืมด่วน (com.flashloan.wsft)
• PréstamosCrédito – GuayabaCash (com.guayaba.cash.okredito.mx.tala)
• Préstamos De Crédito-YumiCash (com.loan.cash.credit.tala.prestmo.fast.branch.mextamo)
• Go Crédito – de confianza (com.mlo.xango)
• Instantáneo Préstamo (com.mmp.optima)
• Cartera grande (com.mxolp.postloan)
• Rápido Crédito (com.okey.prestamo)
• Finupp Lending (com.shuiyiwenhua.gl)
• 4S Cash (com.swefjjghs.weejteop)
• TrueNaira – Online Loan (com.truenaira.cashloan.moneycredit)
• EasyCash (king.credit.ng)
• สินเชื่อปลอดภัย – สะดวก (com.sc.safe.credit)
  

Risks with several dimensions

SpyLoan's loan application violates Google's Financial Services policy by unilaterally shortening the repayment period for personal loans to a few days or any other arbitrary time frame. Additionally, the company threatens users with public embarrassment and exposure if they do not comply with such unreasonable demands. 

Furthermore, the privacy rules presented by SpyLoan are misleading. While ostensibly reasonable justifications are provided for obtaining certain permissions, they are very intrusive practices. For instance, camera permission is ostensibly required for picture data uploads for Know Your Customer (KYC) purposes, and access to the user's calendar is ostensibly required to plan payment dates and reminders. However, both of these permissions are dangerous and can potentially infringe on users' privacy.

Prosecution Strategies and Legal Framework

The law enforcement agencies and legal authorities initiated prosecution strategies against the individuals who are involved in the Spy Loan Scandal, this multifaced approach involves international agreements and the exploration of innovative legal avenues. Agencies need to collaborate with International agencies to work on specific cyber-crime, leveraging the legal frameworks against digital fraud furthermore, the cross-border nature of the spy loan operation requires a strong legal framework to exchange information, extradition requests, and the pursuit of legal actions across multiple jurisdictions.

Legal Protections for Victims: Seeking Compensation and Restitution

As the legal battle unfolds in the aftermath of the Spy loan scam the focus shifts towards the victims, who suffer financial loss from such fraudulent apps. Beyond prosecuting culprits, the pursuit of justice should involve legal safeguards for victims. Existing consumer protection laws serve as a crucial shield for Spy Loan victims. These laws are designed to safeguard the rights of individuals against unfair practices.

Challenges in legal representation

As the legal hunt for justice in the Spy Loan scam progresses, it encounters challenges that demand careful navigation and strategic solutions. One of the primary obstacles in the legal pursuit of the Spy loan app lies in the jurisdictional complexities. Within the national borders, it’s quite challenging to define the jurisdiction that holds the authority, and a unified approach in prosecuting the offenders in various regions with the efforts of various government agencies.

Concealing the digital identities

One of the major challenges faced is the anonymity afforded by the digital realm poses a challenge in identifying and catching the perpetrators of the scam, the scammers conceal their identity and make it difficult for law enforcement agencies to attribute to actions against the individuals, this challenge can be overcome by joint effort by international agencies and using the advance digital forensics and use of edge cutting technology to unmask these scammers.

Technological challenges

The nature of cyber threats and crime patterns are changing day by day as technology advances this has become a challenge for legal authorities, the scammers explore vulnerabilities, making it essential, for law enforcement agencies to be a step ahead, which requires continuous training of cybercrime and cyber security.

Shaping the policies to prevent future fraud

As the scam unfolds, it has become really important to empower users by creating more and more awareness campaigns. The developers of the apps need to have a transparent approach to users.

Conclusion

It is really important to shape the policies to prevent future cyber frauds with a multifaced approach. Proposals for legislative amendments, international collaboration, accountability measures, technology protections, and public awareness programs all contribute to the creation of a legal framework that is proactive, flexible, and robust to cybercriminals' shifting techniques. The legal system is at the forefront of this effort, playing a critical role in developing regulations that will protect the digital landscape for years to come.

Safeguarding against spyware threats like SpyLoan requires vigilance and adherence to best practices. Users should exclusively download apps from official sources, meticulously verify the authenticity of offerings, scrutinize reviews, and carefully assess permissions before installation.

References

• https://www.bleepingcomputer.com/news/security/spyloan-android-malware-on-google-play-downloaded-12-million-times/#google_vignette

• https://www.gadgets360.com/apps/news/spyloan-malware-blackmail-extort-users-detected-play-store-4639194

• https://thehackernews.com/2023/12/spyloan-scandal-18-malicious-loan-apps.html

• https://www.the420.in/exposed-18-deceptive-loan-apps-google-play/

Introduction

Misinformation regarding health is sensitive and can have far-reaching consequences. These include its effect on personal medical decisions taken by individuals, lack of trust in conventional medicine, delay in seeking treatments, and even loss of life. The fast-paced nature and influx of information on social media can aggravate the situation further. Recently, a report titled Health Misinformation Vectors in India was presented at the Health of India Summit, 2024. It provided certain key insights into health-related misinformation circulating online.

The Health Misinformation Vectors in India Report

The analysis was conducted by the doctors at First Check, a global health fact-checking initiative alongside DataLEADS, a Delhi-based digital media and technology company. The report covers health-related social media content that was posted online from October 2023 to November 2024. It mentions that among all the health scares, misinformation regarding reproductive health, cancer, vaccines, and lifestyle diseases such as diabetes and obesity is the most prominent type that is spread through social media. Misinformation regarding reproductive health includes illegal abortion methods that often go unchecked and even tips on conceiving a male child, among other things. 

In order to combat this misinformation, the report encourages stricter regulations regarding health-related content on digital media, inculcating technology for health literacy and misinformation management in public health curricula and recommending tech platforms to work on algorithms that prioritise credible information and fact-checks. Doctors state that people affected by life-threatening diseases are particularly vulnerable to such misinformation, as they are desperate to seek options for treatment for themselves and their family members to have a chance at life. In a diverse society, with the lack of clear and credible information, limited access to or awareness about tools that cross-check content, and low digital literacy, people gravitate towards alternate sources of information which also fosters a sense of disengagement among the public overall. The diseases mentioned in the report, which are prone to misinformation, are life-altering and require attention from healthcare professionals. 

CyberPeace Outlook

Globally, there are cases of medically-unqualified social media influencers who disperse false/mis- information regarding various health matters. The topics covered are mostly associated with stigma and are still undergoing research. This gap allows for misinformation to be fostered. An example is misinformation regarding PCOS( Polycystic Ovary Syndrome) which is circulating online.

In the midst of all of this, YouTube has released a new feature that aligns with combating health misinformation, trying to bridge the gap between healthcare professionals and Indians who look for trustworthy health-related information online. The initiative includes a feature that allows doctors, nurses, and other healthcare professionals to sign up for a health information source license. This would help by labeling all their informative videos, as addressed- from a healthcare professional. Earlier, this feature was available only for health organisations including a health source information panel and health content shelves, but this step broadens the scope for verification of licenses of individual healthcare professionals. 

As digital literacy continues to grow, methods of seeking credible information, especially regarding sensitive topics such as health, require a combined effort on the part of all the stakeholders involved. We need a robust strategy for battling health-related misinformation online, including more awareness programmes and proactive participation from the consumers as well as medical professionals regarding such content.

References

1. https://timesofindia.indiatimes.com/india/misinformation-about-cancer-reproductive-health-is-widespread-in-india-impacting-medical-decisions-says-report/articleshow/115931612.cms
2. https://www.ndtv.com/india-news/cancer-misinformation-prevalent-in-india-trust-in-medicine-crucial-report-7165458
3. https://www.newindian.in/ai-driven-health-misinformation-poses-threat-to-indias-public-health-report/
4. https://www.etvbharat.com/en/!health/youtube-latest-initiative-combat-health-misinformation-india-enn24121002361
5. https://blog.google/intl/en-in/products/platforms/new-ways-for-registered-healthcare-professionals-in-india-to-reach-people-on-youtube/
6. https://www.bbc.com/news/articles/ckgz2p0999yo