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Is this a scam firm?

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Hi
I saw online a message of a person saying that she got a loan from the following firm 'konomarkloanfirm".
I contacted the person by email and he asked for some information and called me on the phone saying he was emailing me the loan terms and conditions, that if I agreed then he would send me the money.

I read the email but I felt reluctant to get the loan and told him so. I told him how about if he wasn't scamming me. He said "how could I be scamming you, I'm not asking you for any money."

I left it like that and didn't go ahead with the loan.

His email address is konomarkloanfirm@yahoo.com

How can I know if he is a scammer?
He said his firm has offices in different countries except US.

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