Anti-Fraud Policy

• Fake or impersonated businesses, including using another company's name, documents or certificates.
• Listing goods you do not have or cannot lawfully supply, to collect deposits.
• Advance-fee schemes, such as demanding "clearance", "registration" or "release" fees before a deal.
• Payment diversion: changing bank or M-Pesa details by email or chat to redirect a payment.
• Forged documents, including invoices, bills of lading, certificates of origin, KEBS or phytosanitary certificates.
• Phishing for passwords, PINs or card data, or pretending to be More Classifieds staff.
• Money laundering, trade-based laundering (over- or under-invoicing), or sanctions evasion.
• Fake reviews, ratings or enquiries.

1. 1Verification: businesses seeking a "Verified" badge submit registration documents, KRA PIN, director ID and proof of address. We may check these against the Business Registration Service and other public records.
2. 2Know Your Customer and screening: we screen Users against UN and other applicable sanctions lists and may apply enhanced checks to high-value or high-risk activity, in line with the Proceeds of Crime and Anti-Money Laundering Act 2009.
3. 3Monitoring: we use automated and manual review to detect suspicious listings, duplicate accounts, unusual logins and message patterns.
4. 4Secure payments: fees are paid only through the official channels in the Billing Policy.
5. 5Staff controls: staff never ask Users for passwords, M-Pesa PINs or full card details.

• Keep negotiations and messages on the Portal where possible, so there is a record.
• Confirm any change of payment details by phone, using a number you already hold, before paying.
• Be cautious of prices far below market, urgent pressure to pay, or requests to pay individuals rather than company accounts.
• For large orders, use secure methods such as letters of credit, documentary collection, trusted escrow or pre-shipment inspection.
• Check certificates directly with the issuing body, such as KEBS, KEPHIS or the destination country's authority.
• Remember that a "Verified" badge is a check at a point in time, not a guarantee.

Report suspected fraud to info@more.co.ke or +254716404040, or use the "Report" button on any listing or profile. Include the listing ID, account name, screenshots, and any transaction codes. We acknowledge reports within 1 business day.

If you have lost money, also report to the Directorate of Criminal Investigations (DCI), your bank or Safaricom, and, for foreign Users, the police in your country.

1. 1We may immediately suspend accounts and hide listings while we investigate.
2. 2We may ask the User for further documents or explanations within a set time.
3. 3If fraud is confirmed, we close the account, remove its content, forfeit any unused fees, and bar the person or business from re-registering.
4. 4We preserve records and share them with the DCI, the Financial Reporting Centre, the National Computer and Cybercrimes Coordination Committee, or foreign authorities where the law requires or allows, including under the Computer Misuse and Cybercrimes Act 2018.
5. 5We may warn other Users who were in contact with the fraudulent account.

We take reasonable steps to reduce fraud, but we cannot guarantee every User or transaction is genuine. More Classifieds is not liable for losses from dealings between Users, as set out in the Terms of Use. We will cooperate fully with any lawful investigation to help recover losses.

Staff, agents and partners of More Classifieds must report any suspected internal fraud or bribery to the CEO or whistleblower@more.co.ke. Reports are handled confidentially, and no one will face retaliation for a good-faith report. Bribery is prohibited under the Bribery Act 2016.

This Policy is reviewed at least once a year, or sooner after a significant incident or change in law.

Fraud and Compliance team, More Classifieds Agency Ltd, 204 Brickwood Apartments, Lantana Road, Westlands, Nairobi, Kenya. Email: fraud@more.co.ke.