AML & Fraud Prevention Policy

Effective Date: May 28, 2026
Operator: GOWANTY LLC
Website: gowanty.com
Address: GOWANTY LLC, 2431 E 69th St, Brooklyn, NY 11234, United States
Email: support@gowanty.com
Phone: +1 (718) 952-3608

1. Purpose
GOWANTY is committed to preventing fraud, money laundering, terrorist financing, sanctions evasion, unauthorized payment use, and other forms of financial crime.
GOWANTY is a digital commerce platform and is not a financial institution. However, we maintain risk-based procedures designed to prevent fraud, abuse, sanctions violations, payment fraud, and other unlawful activities.
This AML & Fraud Prevention Policy applies together with our Terms & Conditions. In the event of any conflict, the Terms & Conditions shall prevail unless expressly stated otherwise in this Policy.

2. Risk Monitoring
To protect customers, suppliers, payment partners, and the integrity of the Service, GOWANTY may monitor transactions and account activity for indicators of elevated risk, including:
Unusual purchasing patterns
High-risk payment methods or mismatched billing signals
Multiple transactions originating from the same device, account, payment method, or network
Use of VPNs, proxies, anonymization services, or other methods that obscure identity or location
Excessive purchase attempts or unusual transaction velocity
Activity associated with restricted jurisdictions or sanctions exposure
Supplier, distributor, issuer, fulfillment-partner, or payment-provider alerts indicating elevated risk
Indicators of account compromise, identity misuse, or unauthorized payment activity

3. Verification Measures
To protect customers, suppliers, payment partners, and the integrity of the Service, GOWANTY may request additional verification, including:
Government-issued identification
Proof of payment ownership
Billing-address verification
Account information
Screenshots or supporting documentation
Any other information reasonably necessary to complete a risk review
Verification reviews may result in delayed fulfillment while the review is being completed.
Failure to provide requested information may result in order cancellation, delayed delivery, transaction refusal, account restrictions, or the inability to complete future purchases.

4. Restricted Activities
The following activities are prohibited:
Fraudulent transactions
Unauthorized payment use
Payment card abuse
Use of stolen or compromised financial information
Money laundering or sanctions evasion
Identity misrepresentation
Account manipulation
Resale or use of products in violation of applicable supplier, issuer, or service-provider requirements
Abuse of promotions, discounts, referral programs, or platform features
Abusive, excessive, or fraudulent chargeback activity

5. Geographic Restrictions
GOWANTY reserves the right to restrict, review, delay, decline, or refuse transactions involving jurisdictions subject to sanctions, legal restrictions, regulatory obligations, platform restrictions, supplier requirements, or elevated fraud risk.

6. Chargeback Investigations
In connection with payment disputes, chargebacks, fraud investigations, or compliance reviews, GOWANTY may rely upon and provide relevant information where legally permitted, including:
Transaction records
Delivery records
Verification records
IP address information
Device information
Account activity records
Communications with the customer
Supplier, issuer, distributor, or fulfillment-partner review results
Other information reasonably related to the transaction

7. Cooperation with Partners and Authorities
Where required by law, compliance obligations, legitimate fraud prevention needs, dispute resolution processes, or payment-provider requirements, GOWANTY may cooperate with:
Payment processors
Anti-fraud service providers
Suppliers and distributors
Issuers and fulfillment partners
Financial institutions
Law enforcement authorities
Regulatory agencies
Other appropriate parties
Such cooperation may include the sharing of information as permitted by applicable law and our Privacy Policy.

8. Enforcement
GOWANTY may place orders on hold, delay fulfillment, request additional verification, decline transactions, cancel orders, restrict accounts, suspend services, or terminate accounts where risk indicators, verification concerns, supplier restrictions, payment-provider requirements, legal obligations, or compliance concerns are identified.
Accounts may be temporarily suspended, permanently restricted, or terminated following fraudulent activity, material verification failures, repeated chargebacks, sanctions concerns, payment abuse, or other significant compliance issues.

9. Contact Information
For questions regarding this AML & Fraud Prevention Policy, please contact:
GOWANTY LLC
Email: support@gowanty.com
Phone: +1 (718) 952-3608