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      Fraud & Moderation Prevention Policy for Creator Withdrawals

      Fraud prevention and moderation procedures applied to creator withdrawal requests

      1. Purpose

      This policy outlines the fraud prevention and moderation procedures applied to creator withdrawal requests to ensure platform integrity, regulatory compliance, and user protection.

      2. Scope

      This policy applies to all creators requesting withdrawals from the platform, regardless of their location, content type, or earnings history.

      3. Withdrawal Pipeline Process

      • All withdrawal requests enter the central Payment Pipeline.

      • Withdrawals are subject to risk-based checks depending on user history (trusted, verified or first withdrawal) and KYC status.

      3.1 First-Time Withdrawal Hold

      • First-time payments are subject to a 5-day hold.

      • During this hold period:

        • Viewer disputes via Stripe are monitored.

        • Moderation and fraud checks are performed.

      4. Moderation & Compliance Review

      The Moderation Team is responsible for:

      4.1 Content Legitimacy Check

      • Reviewing associated content for:

        • Scam or deceptive practices

        • Copyright infringement or content piracy

        • Violation of platform policies

      4.2 Sanctions & Fraud Screening

      5. Response to Fraud or Violations

      If fraud, scams, or policy violations are identified:

      • The user's account is immediately suspended.

      • Pending payments are blocked.

      • Refunds are issued to viewers' original payment methods.

      • The incident is escalated to the Head of Operations

      • Affected users are notified via email.

      5.1 Reporting

      • Activities are recorded on user profile in HubSpot

      6. KYC & Audit Requirements

      All actions taken are logged and audited:

      • Withdrawal date

      • KYC status (Passed/Not Passed)

      • Moderation result

      • Reviewer identity (if manual)

      • Actions taken and outcome

      6.1 Non-KYC Users

      • Withdrawals will not be processed until KYC is passed.

      7. Trusted Creators & Expedited Payments

      Creators who:

      • Have passed full KYC

      • Have no fraud or moderation flags for 12 months

      • Are marked as Trusted and will be eligible for:

      • Bypassed 5-day hold

      • Faster payment processing

      If a trusted creator changes their bank account or personal details, a new review and sanction check will be triggered.

      8. Policy Review

      This policy will be reviewed and updated at least annually or as regulatory requirements change.