AML, KYC and Anti-Fraud Policy

1. Purpose

This policy establishes controls to detect, prevent, and respond to financial crime, rewards abuse, identity misuse, and payment fraud across the platform.

2. Risk-Based Program

• Automated transaction monitoring and anomaly detection.
• Risk scoring using account, device, network, and behavioral signals.
• Enhanced due diligence for high-risk patterns.
• Manual case review and evidence collection for suspicious activity.

3. KYC Verification Triggers

• Unusual transaction velocity or repeated high-value redemptions.
• Multiple accounts linked to shared devices/instruments.
• Chargeback clustering or identity mismatch indicators.
• Legal or regulatory request.

4. Rewards Fraud Controls

• Monthly points cap per account/card profile.
• Pending hold period of 7–14 days before redemption eligibility.
• Automatic rewards reversal on refunds, disputes, and chargebacks.
• Campaign abuse prevention (referral loops, synthetic traffic, scripted activity).

5. Enforcement

Loyvora may pause accruals, freeze redemptions, request documents, suspend, or terminate accounts where fraud or policy abuse is reasonably suspected.

6. Reporting and Cooperation

We cooperate with payment processors, financial institutions, and law enforcement where legally required, including preserving logs and evidence related to suspected unlawful conduct.

7. Contact

sales@loyvora.pro