Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy

Raizoh applies risk-based Know Your Customer (KYC), identity verification, campaign verification, fraud prevention and transaction-monitoring measures as part of its Trust & Safety framework. These measures are informed by applicable Indian laws, regulatory requirements and relevant compliance standards, including, where applicable, principles arising under the Prevention of Money-Laundering Act, 2002 (PMLA) and applicable requirements relevant to payment and financial-service providers.

Raizoh's specific obligations depend on the nature of its activities, its role in a particular transaction and the regulatory framework applicable to the relevant service. Where payment processing, settlement, banking or other regulated financial services are provided by an authorised third-party partner, regulatory obligations specifically applicable to that regulated entity remain the responsibility of the relevant partner to the extent prescribed by applicable law and contractual arrangements.

Nothing in this Policy represents that Raizoh itself is a bank, payment aggregator, regulated financial institution or PMLA-regulated reporting entity unless expressly authorised or required under applicable law.

Raizoh may conduct identity, documentary and risk-based verification before publishing a campaign, enabling certain platform features, processing a payout or at any other stage where verification is reasonably required. The level of verification may vary depending on the campaign type, beneficiary, transaction characteristics and assessed risk.

Identity verification: depending on the circumstances, Raizoh may request PAN; Aadhaar or other government-issued identification; passport or other valid identity documentation; name, address, date of birth and contact information; and other information reasonably necessary for identity verification. Verification may apply to campaign organisers, beneficiaries, authorised representatives or other relevant persons.

Financial & bank account verification: Raizoh may verify bank account details, account-holder name, IFSC, cancelled cheque or other acceptable bank-account evidence, UPI information where applicable, and other information required to verify the intended recipient of funds. Where a campaign involves direct payment to a hospital or healthcare institution, relevant hospital banking information may also be verified.

Medical campaign verification: for medical campaigns, Raizoh may request and review documents such as hospital treatment estimates, admission or discharge documentation, diagnostic reports, treatment-related documents, hospital or healthcare-provider details, and other supporting evidence reasonably required to verify the campaign, and may, where appropriate, contact the relevant hospital, healthcare institution or authorised representative for verification. Verification is a risk-management and platform-safety process and does not constitute a medical diagnosis, clinical certification or guarantee of treatment outcomes.

NGO & organisational verification: for NGOs, charitable organisations, Section 8 companies, social organisations or other institutional campaigners, Raizoh may request, as applicable, registration certificates, PAN, applicable tax registrations, 12A/12AB documentation, 80G documentation, CSR-1 registration where relevant, bank-account information, authorised signatory information, governing or constitutional documents, and information concerning persons exercising significant ownership, control or management, where required by applicable law or the relevant verification framework. Raizoh will apply the ownership/control thresholds and identification requirements applicable to the relevant entity and legal framework rather than assuming a single threshold applies to every organisation.

Raizoh may apply risk-based monitoring to campaigns, accounts and transactions to identify indicators of fraud, misuse or other potentially unlawful activity. Risk indicators may include unusual contribution patterns; rapid or unexplained changes in campaign activity; mismatched beneficiary and bank-account information; inconsistent identity or campaign information; suspicious document patterns; unusual refund or payout activity; multiple accounts or campaigns exhibiting linked risk indicators; suspected impersonation; attempts to circumvent verification controls; or other activity that reasonably presents fraud, financial-crime or platform-safety concerns.

Where Raizoh identifies material concerns, it may, subject to applicable law and its policies: request additional information; delay or place a hold on a payout; restrict campaign activity; suspend or remove a campaign; suspend or restrict an account; reverse or refund a transaction where permitted; escalate the matter to a payment or banking partner; or report suspected unlawful activity to an appropriate authority where required or permitted by law. Raizoh may also cooperate with lawful requests, investigations and statutory obligations of its authorised payment, banking or other regulated partners.

Raizoh currently does not accept or facilitate foreign contributions or cross-border fundraising. Contributions are accepted only through permitted domestic payment channels.

Raizoh maintains appropriate records relating to campaigns, verification, transactions, payouts, refunds, communications and risk reviews in accordance with applicable law and its legitimate operational requirements. Records are retained for as long as reasonably necessary for the purposes for which they were collected and for such additional period as may be required or permitted under applicable law, regulatory requirements, accounting and taxation requirements, dispute resolution, fraud prevention, security requirements, or contractual obligations with relevant service providers. Where a specific statutory retention period applies to Raizoh or to a relevant regulated payment/banking partner, the applicable retention requirement will be followed.

Where legally required or lawfully requested, relevant information may be disclosed to appropriate law-enforcement authorities, regulatory authorities, courts or governmental authorities, payment or banking partners, or financial-intelligence authorities, including the Financial Intelligence Unit – India (FIU-IND) where legally applicable. Raizoh will not disclose information merely because a third party requests it; disclosures will be made in accordance with applicable law and lawful process.

To protect users and the integrity of the platform, Raizoh may require additional verification before publishing or activating a campaign; accepting or processing certain transactions; changing beneficiary or bank details; releasing or transferring campaign funds; processing refunds; closing a campaign; or enabling other higher-risk platform functions. Where required, payouts may be delayed or placed on hold while verification, fraud review, payment processing or legal checks are completed. A verification or payout hold does not necessarily indicate wrongdoing and may be used as a precautionary risk-control measure.

Users must not use Raizoh to:

• launder or conceal the proceeds of crime;
• finance terrorism or other unlawful activities;
• impersonate another person or organisation;
• submit forged, altered or fraudulent documents;
• create fictitious beneficiaries or campaigns;
• misappropriate or misuse campaign funds;
• use stolen payment instruments;
• structure transactions to evade applicable controls;
• circumvent KYC or verification requirements; or
• conduct any other activity prohibited by applicable law or Raizoh's policies.

Raizoh may take appropriate action where such activity is suspected or identified.

Raizoh may share information reasonably necessary for KYC, fraud prevention, payment processing, settlement, refunds, chargebacks, risk management and regulatory compliance with its authorised payment, banking and other service partners. Such partners may apply their own KYC requirements, transaction- monitoring systems, fraud controls, sanctions or risk screening, payment restrictions, refund procedures, and regulatory requirements. Users may therefore be required to provide additional information or complete additional verification requested by the relevant service provider.

Raizoh may update this AML & KYC Policy from time to time to reflect changes in applicable law, regulatory developments, payment-partner requirements, changes in platform functionality, new fraud or financial-crime risks, or improvements to Raizoh's Trust & Safety framework. Material changes will be published on this page with an updated effective date.

For AML, KYC, verification or compliance-related matters, contact Raizoh Ventures Private Limited, CIN U62013TS2026PTC220985, H. No. 08-003/2/2, Block C, NCL Colony, Kompally, Medchal-Malkajgiri, Telangana – 500067, India, at [email protected]. For general user support, campaign-related assistance or other enquiries, please use the Help Centre / Contact Us channels available on the Raizoh platform.