Anti-Fraud Policy

This Policy has been established to:

• protect the users of the Platform from fraudulent and abusive conduct by other parties
• maintain the integrity, security and reliability of the Platform and its underlying infrastructure
• prevent financial fraud, technical exploitation and data manipulation
• ensure a fair and equitable environment for all legitimate users
• mitigate legal, financial and reputational risk to ALTIVOR INSTITUTE

For the purposes of this Policy, fraudulent or abusive conduct refers to any intentional act or omission designed to obtain an unauthorised benefit, avoid a legitimate obligation, or cause harm to ALTIVOR INSTITUTE, other users, or third parties.

This includes, but is not limited to, acts involving deception, misrepresentation, manipulation of systems or data, exploitation of technical vulnerabilities, and any conduct inconsistent with the Terms & Conditions or applicable law.

The following categories of conduct are strictly prohibited on the Platform:

ALTIVOR INSTITUTE may deploy technical and organisational measures for the purpose of detecting and preventing fraudulent activity, including:

• automated analysis of user activity patterns and behavioural anomalies
• anomaly detection systems applied to Platform usage and transaction data
• payment verification and anti-fraud screening procedures
• systematic review of system logs, access records and audit trails
• security protocols and identity verification checks where warranted

All monitoring activities are conducted in accordance with applicable data protection law and the Privacy Policy.

ALTIVOR INSTITUTE reserves the right to request additional identity or account verification from any user where there are reasonable grounds to do so. Such verification may include, but is not limited to, confirmation of identity documentation, payment method ownership or account activity.

Failure or refusal to cooperate with a verification request may result in temporary or permanent restriction of access to Platform services, at the discretion of ALTIVOR INSTITUTE.

Where ALTIVOR INSTITUTE has reasonable grounds to suspect fraudulent or abusive conduct, it may take any one or more of the following enforcement actions without prior notice:

• temporary restriction of specific account functionality pending investigation
• suspension of access to all or part of the Platform's services
• permanent blocking of access to the Platform
• cancellation and voiding of results, benefits or entitlements obtained through fraudulent means
• permanent termination and deletion of the user's account

Enforcement decisions are final and binding. Where a user believes an enforcement action has been applied in error, they may submit a formal request for review in accordance with the Complaints & Support Policy.

ALTIVOR INSTITUTE may suspend, withhold or place on hold any payments, refunds, credits or other benefits pending the outcome of a fraud investigation. This measure does not constitute a final determination and will be reviewed upon conclusion of the investigation.

Where fraud is confirmed, any benefits obtained through fraudulent conduct will be permanently cancelled and ALTIVOR INSTITUTE reserves the right to seek recovery of any losses incurred.

Where circumstances warrant, ALTIVOR INSTITUTE may cooperate with and share relevant information with:

• payment processors and acquiring banks in connection with payment fraud investigations
• financial institutions and regulatory bodies where required by law or regulatory obligation
• law enforcement authorities in connection with suspected criminal activity
• specialist cybersecurity and fraud prevention service providers

Such cooperation will be conducted in accordance with applicable data protection legislation and solely to the extent necessary for the purpose of fraud prevention or law enforcement.

Each user bears sole and exclusive responsibility for:

• maintaining the security and confidentiality of their login credentials and account access
• all activity conducted through their account, irrespective of whether it was performed by them personally
• ensuring that all use of the Platform is conducted in full compliance with applicable law
• reporting any suspected security breach or unauthorised access to their account to ALTIVOR INSTITUTE without undue delay

ALTIVOR INSTITUTE operates a strict zero-tolerance policy with respect to all forms of fraudulent, deceptive or abusive conduct on the Platform. This policy applies equally to all users without exception, regardless of account type, tenure or access tier.

Any confirmed instance of fraudulent conduct will result in immediate and permanent enforcement action. No mitigation based on prior account history or partial compliance will be considered in respect of confirmed fraud.

ALTIVOR INSTITUTE expressly reserves the right to:

• pursue civil claims for damages, losses and costs arising from fraudulent conduct
• initiate or support criminal proceedings against individuals responsible for fraud
• report fraudulent conduct to the relevant regulatory, law enforcement or governmental authorities
• seek injunctive relief or other equitable remedies where appropriate

The exercise of any enforcement rights under this Policy does not preclude ALTIVOR INSTITUTE from pursuing any other legal remedy available under applicable law.

The measures set out in this Policy are designed primarily to protect the interests and safety of users who engage with the Platform in good faith and in compliance with its terms. ALTIVOR INSTITUTE is committed to ensuring that fraud prevention measures do not adversely affect legitimate users.

Users who believe that enforcement action has been taken against them in error are encouraged to contact ALTIVOR INSTITUTE at contact@altivor.institute to initiate a review.

ALTIVOR INSTITUTE reserves the right to update this Policy at any time in response to new or emerging fraud typologies, technological developments or changes in applicable law. Amended versions will be published on the Platform and will take effect upon publication. Continued use of the Platform following any amendment constitutes acceptance of the revised Policy.