XBajee App Anti-Fraud Policy

The purpose of the xBajee Anti-Fraud Policy is to:

• Protect users from fraudulent activities.
• Prevent unauthorized access to accounts.
• Reduce financial losses caused by scams and illegal activities.
• Maintain trust and safety within the xBajee ecosystem.
• Identify suspicious behavior quickly.
• Take appropriate action against individuals or organizations involved in fraud.
• Support legal and regulatory compliance in Bangladesh.

xBajee believes fraud prevention is a shared responsibility between the company and its users. Every user must follow security instructions and avoid actions that may expose themselves or others to risk.

Definition of Fraud

Fraud refers to any intentional action designed to deceive, manipulate, or exploit another person, organization, or system for personal benefit.

Fraudulent activities include, but are not limited to:

Account Fraud

Account fraud occurs when someone:

• Uses another person’s account without permission.
• Creates fake accounts using false information.
• Steals login credentials.
• Attempts to bypass account security systems.
• Uses multiple accounts to abuse promotions or services.

Payment Fraud

Payment fraud includes:

• Unauthorized transactions.
• Fake payment confirmations.
• Stolen payment information.
• False refund claims.
• Manipulation of payment systems.
• Use of fraudulent financial instruments.

Marketplace Fraud

Marketplace-related fraud includes:

• Selling fake or counterfeit products.
• Advertising unavailable products.
• Providing misleading product information.
• Receiving payment without delivering goods or services.
• Creating fake reviews or ratings.

Identity Fraud

Identity fraud includes:

• Using another person’s national ID information.
• Providing false verification documents.
• Impersonating another individual or organization.
• Using stolen personal information.

User Identity Verification Policy

To maintain a secure platform, xBajee may require users to complete identity verification procedures.

Verification measures may include:

• Mobile number verification.
• Email verification.
• National identity verification where applicable.
• Business registration verification for merchants.
• Additional security checks for high-risk activities.

Users must provide accurate and updated information. Providing false information may result in account suspension, termination, or legal action.

xBajee may apply enhanced verification procedures when unusual activity, suspicious transactions, or security concerns are detected.

Fraud Detection and Monitoring System

xBajee uses various security technologies and monitoring processes to identify suspicious activities.

These may include:

Transaction Monitoring

The platform may analyze:

• Transaction frequency.
• Transaction amount patterns.
• Unusual payment behavior.
• Multiple failed attempts.
• Location and device information.

Transactions considered high-risk may be reviewed before approval.

Automated Risk Analysis

xBajee may use automated systems to identify:

• Abnormal user behavior.
• Suspicious account activities.
• Possible account takeover attempts.
• Fraud patterns.

Risk-based security controls are consistent with broader digital payment security practices, where providers are encouraged to assess transaction risks and apply appropriate authentication measures.

Manual Investigation

When necessary, xBajee’s fraud prevention team may conduct manual reviews involving:

• User account history.
• Transaction records.
• Communication records.
• Supporting documents.
• Merchant information.

Merchant and Seller Anti-Fraud Requirements

All merchants using xBajee must:

• Provide accurate business information.
• Sell genuine products and services.
• Avoid misleading advertisements.
• Maintain transparent pricing.
• Complete required verification procedures.
• Respond honestly to customer complaints.

Merchants are prohibited from:

• Selling illegal products.
• Creating fake orders.
• Manipulating customer reviews.
• Using stolen payment information.
• Conducting deceptive business practices.

Failure to comply may result in:

• Warning notices.
• Temporary restrictions.
• Removal of listings.
• Permanent account suspension.
• Reporting to appropriate authorities.

Bangladesh’s digital commerce environment places increasing importance on merchant verification, risk analysis, transaction monitoring, and dispute management to reduce online fraud.

User Security Responsibilities

Users must protect their accounts by:

• Creating strong passwords.
• Keeping passwords confidential.
• Not sharing OTP codes.
• Avoiding suspicious links.
• Using only official xBajee applications and websites.
• Reporting suspicious activities immediately.

xBajee employees will never request:

• Passwords.
• OTP codes.
• Full payment card information.
• Security credentials.

Users should immediately report any person pretending to represent xBajee.

Prohibited Fraudulent Activities

The following activities are strictly prohibited:

Fake Orders

Users must not:

• Place fake orders.
• Cancel orders intentionally to harm sellers.
• Abuse promotional campaigns.

Refund Abuse

Users must not:

• Submit false refund requests.
• Claim missing items that were delivered.
• Manipulate return procedures.

Promotion Abuse

Users must not:

• Create multiple accounts to misuse discounts.
• Use automated systems to exploit offers.
• Transfer promotional benefits illegally.

Cybersecurity Abuse

Users must not:

• Attempt unauthorized access.
• Test platform vulnerabilities without permission.
• Introduce malware.
• Attack xBajee systems.

Fraud Reporting Procedure

xBajee encourages users to report suspected fraud immediately.

Reports may include:

• Fraudulent sellers.
• Suspicious accounts.
• Unauthorized transactions.
• Fake advertisements.
• Security threats.

Users should provide:

• Account information.
• Transaction details.
• Screenshots or evidence.
• Description of the incident.

After receiving a report, xBajee may:

1. Review the information.
2. Investigate related accounts.
3. Restrict suspicious activity.
4. Contact involved parties.
5. Take corrective action.

Account Suspension and Enforcement

xBajee reserves the right to restrict, suspend, or terminate accounts involved in fraud.

Actions may include:

• Temporary account limitations.
• Removal of fraudulent content.
• Blocking suspicious transactions.
• Permanent account termination.
• Recovery of fraudulent benefits.
• Reporting illegal activities to authorities.

The severity of action depends on:

• Nature of the fraud.
• Financial impact.
• User history.
• Evidence available.

Data Protection and Privacy

xBajee respects user privacy while maintaining platform security.

Information collected for fraud prevention may include:

• Account details.
• Transaction information.
• Device information.
• Verification records.
• Communication records related to investigations.

Such information will be handled according to applicable privacy requirements and used only for legitimate security purposes.

Cooperation With Authorities

xBajee may cooperate with:

• Bangladesh law enforcement agencies.
• Regulatory authorities.
• Financial institutions.
• Cybersecurity organizations.

Where legally required, xBajee may provide relevant information to support investigations into fraud, financial crime, or cybercrime.

Continuous Security Improvement

Fraud methods continuously evolve. Therefore, xBajee regularly improves its security systems through:

• Technology upgrades.
• Security testing.
• Fraud pattern analysis.
• Employee training.
• User awareness programs.

The company may update this policy whenever necessary to address new risks and regulatory requirements.

User Awareness Program

xBajee promotes fraud awareness by educating users about:

• Common online scams.
• Safe payment practices.
• Account protection methods.
• Fake seller identification.
• Suspicious communication methods.

Users are encouraged to remain careful when sharing personal information or making online payments.

Final Statement

xBajee App is dedicated to maintaining a secure, trustworthy, and fair digital platform for users across Bangladesh. Fraud prevention is essential for protecting customers, supporting honest businesses, and building confidence in digital services.

By using xBajee, users agree to follow this Anti-Fraud Policy and cooperate with security measures designed to protect the entire community.

xBajee reserves the right to update this policy whenever necessary to improve platform safety and comply with applicable laws and regulations.