ForKobo Trust & Safety Policy

The ForKobo Trust & Safety Policy ("Policy") outlines the principles, responsibilities, and processes that guide how ForKobo maintains transparency, compliance, and security across all merchant activities, payouts, and programs.

At ForKobo, Trust & Safety is not just a department — it is the foundation of how we operate. Our mission is to protect both merchants and the platform by ensuring every payment, payout, and business interaction complies with global eCommerce, data protection, and anti-money laundering standards.

This Policy applies to all ForKobo merchants, affiliates, and users who engage with any ForKobo product or service — including the Done-For-You program, Virtual Cards, Affiliate Program, and Payout Dashboard.

The ForKobo Trust & Safety division is responsible for:

• Reviewing and approving all merchant accounts before activation;
• Verifying identity (KYC) and compliance documentation;
• Managing refund requests and chargeback investigations;
• Overseeing payout integrity and transaction timelines;
• Monitoring suspicious activity, fraud, and policy violations;
• Enforcing ForKobo's AML and Compliance policies; and
• Handling user reports, complaints, and account closures.

ForKobo's Trust & Safety framework is built on three core principles:

Before any merchant can access payouts, ForKobo requires full verification under our Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures.

Verification may include:

• Government-issued ID (passport, national ID, or driver's license);
• Proof of address;
• Source of funds or business registration documents (for companies); and
• Verification selfies or biometric confirmation.

ForKobo complies with global AML laws and works with licensed partners and financial institutions to ensure all transactions are lawful and traceable.

Trust & Safety oversees the full payout process for all merchants. This includes:

• Confirming store eligibility and revenue authenticity before disbursement;
• Reviewing transaction data to detect abnormal patterns;
• Preventing early or duplicate payouts; and
• Ensuring payouts are completed within the timeline defined in the Payout Schedule Policy.

All refund requests are handled exclusively by Trust & Safety.

When a merchant requests a refund through merchant@forkobo.com, the Trust & Safety team:

• Confirms identity and payment ownership;
• Reviews store status and payout activity;
• Verifies eligibility under the Refund Request Policy; and
• Processes the refund within 5–7 business days upon approval.

Refunds are logged and traceable for compliance auditing, ensuring full transparency between ForKobo and the merchant.

If a dispute arises regarding payouts, refunds, or policy violations, Trust & Safety acts as the final internal authority before external mediation or legal review.

Disputes may include:

• Misunderstanding of payout calculations;
• Refund eligibility concerns;
• Affiliate reward disputes; or
• Card or payment system errors.

To protect all merchants, Trust & Safety uses a combination of automated and manual reviews to detect suspicious activity, including:

• Repeated refund requests or chargebacks;
• Abnormal payout volume or geographic mismatch;
• Identity manipulation or multiple linked accounts; and
• Unauthorized payment sources or wallet transfers.

When suspicious activity is detected, Trust & Safety may:

• Temporarily hold payouts;
• Freeze wallet balances;
• Request additional verification; or
• Close the account permanently under the AML Policy.

All user data collected by Trust & Safety during verification, investigation, or refund review is handled in accordance with ForKobo's Privacy Policy.

• Data is encrypted and stored securely.
• Only authorized compliance officers have access to sensitive information.
• Records are retained only for the duration required by law or policy.
• ForKobo does not sell or share personal data with third parties outside of regulatory requirements or financial partners involved in the transaction.

Trust & Safety may temporarily or permanently restrict an account if:

• There is evidence of fraud, misrepresentation, or policy breach;
• The account is used for prohibited activities (e.g., investment solicitation, cryptocurrency trades, or illegal transactions);
• KYC/AML documentation is incomplete or unverifiable; or
• Refunds or chargebacks exceed the acceptable threshold.

ForKobo cooperates with local and international regulators, law enforcement, and financial partners when required by law.

This includes responding to subpoenas, AML inquiries, fraud investigations, or compliance audits — always while respecting user privacy and due process.

Merchants whose accounts or payouts are restricted may appeal by emailing trust@forkobo.com within 7 business days of receiving the notice.

Appeals must include:

• A clear explanation of the situation;
• Any supporting documentation or proof; and
• Evidence of compliance with ForKobo policies.

The Trust & Safety division will review appeals objectively and issue a final decision within 10 business days.

This Policy may be updated periodically to reflect changes in regulation, security practices, or operational structure. Merchants will be notified via dashboard alerts or email when significant updates are made.

Continued use of ForKobo's platform after updates constitutes acceptance of the revised Policy.

ForKobo Trust & Safety Team

ForKobo Trust & Safety operates 7 days a week with standard response times between 24–48 hours.