🛡️ inGo Anti-Fraud Policy

Effective Date: 01/01/2026
This policy explains how inGo prevents, detects, and responds to fraudulent activity on the platform.

1. Scope

This policy applies to all users of the inGo app:

• Riders requesting rides or deliveries
• Riders providing transportation services

Fraudulent activity includes:

• Payment fraud
• Fake bookings or deliveries
• Account takeover or unauthorized access
• Misrepresentation of services or identity

2. User Responsibilities

All users must:

• Provide accurate and truthful information during registration and bookings
• Maintain account security (strong passwords, secure devices)
• Report suspicious activity immediately via in-app support
• Avoid sharing account details with others

3. Prohibited Activities

Users must not:

• Create fake accounts or impersonate others
• Use stolen credit cards or mobile money wallets (EcoCash, InbucksOne Money)
• Request refunds or fare adjustments fraudulently
• Manipulate ratings, reviews, or location data
• Attempt to bypass app security, promotions, or fare calculations

4. Detection & Monitoring

• inGo monitors all trips, deliveries, and transactions for unusual patterns
• Mobile money transactions are tracked and verified according to RBZ guidelines
• Suspected fraudulent activity may trigger:
  • Account suspension
  • Temporary hold on payments or payouts
  • Investigation by inGo

5. Fraud Reporting

• Report fraud immediately via:
  • In-app Support / Help
  • Email: info@ingo.co.zw
  • Phone: +263777205600
• Provide as much detail as possible: trip/delivery ID, date/time, screenshots

6. Investigation & Action

• inGo will investigate all reports of fraud promptly
• Confirmed fraudulent activity may result in:
  • Permanent account deactivation
  • Forfeiture of funds or earnings
  • Referral to law enforcement authorities in Zimbabwe
• Users are expected to cooperate during investigations

7. Payment & Refund Implications

• Fraudulent use of mobile money (EcoCash/OneMoney) or cash payments will result in non-refund
• inGo reserves the right to recover funds lost due to fraud

8. Compliance & Governance

• inGo follows all relevant Zimbabwean laws and RBZ regulations related to financial transactions and fraud prevention
• Users are responsible for compliance with applicable laws

9. Education & Awareness

• inGo may provide guidance to users on:
  • Safe mobile money use
  • Secure account practices
  • Identifying scams or phishing attempts