Fraud Investigation & Prevention Policy

Introduction

Amajova.com is committed to maintaining a secure and trustworthy freelance marketplace by proactively identifying, investigating, and mitigating fraudulent activities. Our fraud prevention framework is designed to ensure compliance with financial regulations and payment provider policies. This document outlines our structured fraud investigation process.

1. Fraud Detection & Flagging

Amajova.com employs a multi-layered approach to fraud detection, utilizing both automated systems and manual reviews. Key detection methods include:

• Automated Monitoring: AI-driven fraud detection tools analyze transaction patterns, login locations, and user behaviors to identify anomalies.
• User Reports: A dedicated reporting system allows users to flag suspicious activities directly through the platform.
• Payment Provider Alerts: Integration with payment processors ensures real-time fraud notifications and dispute handling.

Additionally, if a client orders the same service repeatedly, we temporarily block them. They are required to complete KYC and answer basic questions to help us understand why they are making repeated purchases of the same service.

If a client from a high-risk jurisdiction or from countries in Africa, Asia, and parts of South America spends more than £100 per transaction, we block their access to the site until they complete basic KYC and provide proof of ownership of the card used for payment. Failure to do so within 48 hours will result in a refund of the payment.

2. Initial Review & Evidence Collection

Once fraudulent activity is suspected, a structured review process begins:

• Account History Check: Reviewing transaction logs, IP addresses, and payment details.
• User Communication Analysis: Evaluating messages and interactions between users for potential collusion or scam indicators.
• Identity Verification: Users may be required to provide additional KYC (Know Your Customer) documentation, such as government-issued IDs, proof of address, or business registration details.

3. Temporary Account Restrictions

To prevent further financial losses while an investigation is underway, Amajova.com may impose temporary restrictions:

• Freezing Funds: Suspicious transactions are placed on hold pending investigation.
• Limited Account Access: Users under review may be restricted from withdrawals or further transactions.
• Notification to Payment Providers: Payment providers are informed of potential fraudulent activities when necessary.

4. Investigation & Decision Making

A dedicated fraud analysis team conducts thorough investigations, including:

• Manual Case Review: Fraud analysts assess collected evidence to determine legitimacy.
• User Interviews: Direct communication with affected parties to gather further insights.
• Comparison with Previous Cases: Identifying repeated fraud patterns based on historical data.

Decisions are made based on a risk assessment matrix, ensuring fair and data-driven resolutions.

5. Resolution & Enforcement

Based on the investigation, the following actions may be taken:

• Account Suspension or Ban: Users found guilty of fraud face permanent account termination.
• Refunds or Payment Reversals: If fraud is confirmed, refunds are processed in accordance with payment provider policies.
• Legal Escalation: Severe cases may be reported to financial regulators and law enforcement agencies.

6. Preventive Measures & Compliance

Amajova.com continuously improves its fraud prevention strategies through:

• Enhanced Verification Protocols: Strengthening KYC requirements for high-risk transactions.
• AI-Based Risk Modeling: Constantly refining automated fraud detection tools.
• User Education & Awareness: Providing guidance on recognizing and avoiding scams.

Amajova.com aligns its fraud prevention efforts with industry standards and payment provider requirements to maintain a secure and compliant financial ecosystem.

Conclusion

By implementing a robust fraud investigation process, Amajova.com ensures the integrity of its marketplace while maintaining strong partnerships with payment providers. We remain committed to protecting users and minimizing financial risks through continuous monitoring, rapid response, and preventive measures.