🏦 inGo Anti-Money Laundering (AML) Policy

Effective Date: 01/01/2026
This policy sets out how inGo prevents, detects, and reports money laundering and related financial crimes, in compliance with Zimbabwean law and RBZ regulations.

1. Purpose

The purpose of this policy is to:

• Protect inGo, riders, couriers from illegal financial activity
• Ensure compliance with RBZ and Zimbabwean AML regulations
• Promote safe, secure, and transparent mobile money transactions

2. Scope

This policy applies to all users of the inGo app, including:

• Riders paying for trips or deliveries
• Couriers receiving payments
• Third-party service providers handling payments

It covers:

• Mobile money transactions (EcoCash, OneMoney)
• Cash payments related to inGo trips or deliveries
• Refunds and promotions

3. User Responsibilities

Users must:

• Provide accurate identity information during registration
• Use legal payment methods only
• Avoid transactions that may conceal illegal funds or misrepresent source of funds
• Report any suspicious payment requests

4. Prohibited Activities

Users may not:

• Use inGo for money laundering, terrorist financing, or fraud
• Deposit, transfer, or receive funds from unauthorized or suspicious sources
• Manipulate mobile money or in-app payment systems to hide transaction history

5. Transaction Monitoring

• inGo monitors transactions for:
  • Unusual payment amounts or frequency
  • Suspicious patterns of cancellations and refunds
  • Accounts linked to fraudulent or illegal activity
• All mobile money payments comply with RBZ reporting requirements

6. Reporting Suspicious Activity

• inGo will report suspicious transactions to the RBZ and other regulatory authorities as required by law
• Users can report suspicious activity via:
  • In-app Support / Help
  • Email: info@ingo.co.zw
  • Phone: +263777205600

7. Compliance & Cooperation

• Users must cooperate with identity verification, transaction audits, and investigations
• inGo reserves the right to freeze accounts or withhold payments if suspicious activity is detected
• inGo complies fully with Zimbabwean AML/CFT laws and RBZ mobile money regulations

8. Education & Awareness

• inGo educates users about:
  • Safe mobile money use (EcoCash/OneMoney)
  • Identifying fraudulent or illegal financial requests
  • Reporting suspicious transactions

9. Consequences of Violation

• Violation of AML rules may result in:
  • Account suspension or termination
  • Forfeiture of funds
  • Referral to law enforcement authorities
  • Legal action under Zimbabwean law