11. Fraud, ID Verification and AML Policy

11.1 We screen orders for risk: new account, high value, mismatched names, repeated failed payments, unusual addresses.

11.2 ID check triggers: first order above GH₵3,000, more than GH₵10,000 in 30 days, or any flag. We match the payer’s name and phone to the account and an ID.

11.3 No third-party payments without the payer’s verified consent. Refunds go only to the original payment source.

11.4 Suspicious orders are held. We keep records for 6 years and report suspicious activity to the Financial Intelligence Centre (Ghana) and the National Crime Agency (UK) as required.

11.5 Training. All staff are trained at onboarding.