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Anti-Fraud & Verification Policy

Last Updated: November 2025

MzDeal Anti-Fraud & Verification Policy

 

The MzDeal Anti-Fraud & Verification Policy outlines the rules, processes, and protections we implement to prevent fraud, secure user transactions, ensure seller legitimacy, and maintain a trusted marketplace environment. This policy applies to all users, buyers, sellers, businesses, partners, and internal staff.

1. Purpose of This Policy

MzDeal is committed to protecting users from:

Fraudulent sellers

Fake buyers

Payment scams

Identity misuse

Stolen goods

Deceptive behaviors

Off-platform fraud attempts

This policy ensures MzDeal remains a safe, reliable, and compliant platform.

2. Fraud Prevention Philosophy

MzDeal operates under a strict Zero Tolerance Policy for fraud. Any user found engaging in deceptive, illegal, or harmful activities may face:

Account suspension

Permanent ban

Loss of balance in wallet (if involved in fraud)

Legal action under Mozambique law

Reporting to authorities when applicable

3. User Verification Requirements

MzDeal requires identity verification before users can post items on the platform. This includes document submission and photo verification for enhanced platform security.
MzDeal verifies user identities to increase platform safety.

3.1 Basic Verification (Required for All Users)

Valid phone number

Valid email address

Device verification

3.2 Advanced Verification for Sellers & Businesses

Required for:

Posting any item on the platform

High-value items

Repeated sales

Withdrawals or balance payouts

Users must submit:

Government-issued ID (BI, Passport, or Driving License)

A selfie photo holding the same document

Face match verification (selfie scan)

Business documents (NUIT, license) when applicable

Users cannot publish posts until all verification steps are completed and approved by MzDeal Security Team.
Required for:

High-value items

Repeated sales

Withdrawals or balance payouts

Users must submit:

Government-issued ID (BI, Passport, or Driving License)

Face match verification (selfie)

Business documents (NUIT, license) when applicable

3.3 Special Verification Flags

MzDeal may require additional verification if:

Documents are unclear or suspicious

The selfie does not match the ID

Posting patterns appear risky

A user receives multiple reports

Additional requirements may include:

Live selfie video verification

Proof of item ownership (receipt, serial number photo)

Additional identity documents
MzDeal may require additional documents for:

Suspicious activity

Disputes

Large transactions

Multiple failed verification attempts

4. Anti-Fraud Detection Systems

MzDeal uses layered protection combining AI, automation, and human review.

4.1 Automated Fraud Detection

Our system monitors:

Repeated failed login attempts

Sudden multiple account creation

Posting patterns similar to known fraud profiles

IP anomalies

Payment irregularities

Multiple users using the same device or account

Attempts to bypass MzDeal payments

4.2 Listing Fraud Detection

Each listing is automatically inspected for:

Stolen goods indicators

Manipulated photos

Unrealistically low prices

Repeated content or duplicate posts

Prohibited items

4.3 Chat & Communication Monitoring

AI scans for:

Attempts to move conversation outside MzDeal

Requests to use WhatsApp/Telegram to bypass verification

Suspicious external payment links

Impersonation attempts

4.4 Manual Review

MzDeal has a security team that reviews:

Reported users

Dispute cases

Repeat violations

Questionable documents

5. Prohibited Fraudulent Activities

The following activities are strictly prohibited:

5.1 Buyer Fraud

Claiming goods were not received when they were

Chargebacks without valid reason

Fake complaints to harm sellers

Impersonating other buyers

5.2 Seller Fraud

Selling stolen or illegal goods

Posting fake products or services

Misrepresenting item condition

Sending empty or fake packages

Creating multiple accounts to deceive users

Uploading fake verification documents

5.3 Platform & Payment Fraud

Bypassing MzDeal payments

Directing users to pay outside the platform

Attempting to hack, tamper, or manipulate systems

Using stolen credit cards or accounts

6. Off-Platform Transactions

MzDeal strongly discourages users from doing business outside the platform.

Important Notice:

If users buy, sell, or negotiate outside MzDeal, the platform cannot:

Offer protection

Assist in disputes

Refund lost money

Provide identity details of involved parties

MzDeal holds no responsibility for scams occurring outside the app.

7. Fraud Response & Enforcement

When suspicious activity is detected, MzDeal may:

7.1 Immediate Actions

Temporarily freeze the account

Freeze pending withdrawals

Block listing activity

Request additional verification

7.2 Final Actions

Permanent ban

Removal of listings

Confiscation of fraudulent wallet balances

Reporting to Mozambique authorities

8. User Reporting System

Users can report:

Suspicious posts

Suspicious profiles

Bad behavior in chats

Fake or misleading products

Reports are prioritized within:

30 minutes for urgent fraud cases

24–48 hours for standard violations

9. Item Legitimacy & Stolen Goods

Sellers are fully responsible for ensuring items listed on MzDeal:

Are legally owned

Are not stolen

Are not counterfeit

MzDeal may request proof of ownership when needed.

If law enforcement requests data related to stolen goods, MzDeal complies under Mozambique law.

10. Verification for Seller Payouts

Before withdrawing funds, sellers must:

Verify identity

Confirm banking/mobile money details

Pass fraud screening

Payout delays may occur if fraud is suspected.

11. Account Sharing & Device Security

Users must:

Not share accounts

Not use multiple accounts to deceive buyers

Secure devices with passwords

MzDeal is not responsible for unauthorized access caused by:

Lost phones

Shared devices

Weak passwords

12. Limitation of Liability

MzDeal is not liable for:

Losses due to off-platform payments

Fraud caused by user negligence

Transactions done outside MzDeal systems

Failure to follow platform safety guidelines

MzDeal only provides protection for transactions conducted within the platform’s official tools.

13. Updates to This Policy

MzDeal may update this policy at any time. Continued use of the platform means users accept the updated terms.

14. Contact & Fraud Reporting

To report fraud or suspicious activity:

Email: security@mzdeal.co.mz

In-App: Report User / Report Listing button

MzDeal works continuously to protect the community and maintain a safe, trustworthy marketplace environment.