Anti-Fraud Policy

Last updated: July 11, 2026

This Anti-Fraud Policy explains ZairoHealth’s approach to preventing, detecting, reviewing, and responding to fraud, misuse, impersonation, fake listings, payment abuse, and other dishonest activity on the ZairoHealth website, mobile applications, and related platforms.

By using ZairoHealth, you agree to this policy.

1. Purpose

ZairoHealth aims to maintain a safe, trusted, and transparent platform for healthcare professionals, hospitals, clinics, sellers, vendors, service providers, partners, and users.

Fraudulent activity harms users, partners, patients, healthcare institutions, and the ZairoHealth community. ZairoHealth may take action against any activity that appears fraudulent, misleading, abusive, or unlawful.

2. What Counts as Fraud?

Fraud may include, but is not limited to:

Creating fake accounts
Impersonating a doctor, hospital, clinic, company, patient, user, or ZairoHealth representative
Uploading forged, altered, expired, stolen, or misleading documents
Misrepresenting qualifications, license, registration, identity, experience, organization, or affiliation
Posting fake jobs, shifts, hospital calls, events, products, reviews, or service listings
Making false medical, product, service, pricing, or employment claims
Misusing referral, coupon, reward, subscription, refund, cancellation, or promotional programs
Using stolen payment methods or unauthorized transactions
Attempting chargeback fraud or false payment disputes
Phishing, social engineering, or collecting credentials from users
Scraping, bot activity, spam, or automated abuse
Manipulating ratings, reviews, applications, or platform visibility
Attempting to bypass verification, KYC, moderation, or security controls
Uploading malware, suspicious links, or harmful files
Selling or transferring accounts without permission

3. Doctor and Professional Verification Fraud

Doctors and healthcare professionals must not submit false or misleading information, including:

Fake medical registration numbers
Forged certificates
Altered degrees
Misleading specialty claims
Borrowed or stolen identity documents
False work experience
Unauthorized hospital affiliation
Fake profile photos or impersonation

If verification fraud is suspected, ZairoHealth may reject verification, suspend the account, remove verified status, notify affected partners, or report the matter to appropriate authorities.

4. Hospital and Partner Fraud

Hospitals, clinics, recruiters, sellers, vendors, event organizers, and service providers must not:

Create fake organization profiles
Post non-existent jobs or shifts
Mislead users about pay, role, location, terms, or eligibility
Collect unauthorized fees from applicants
Misuse applicant data
Use ZairoHealth branding without permission
Make false accreditation, licensing, pricing, product, or service claims
Fail to deliver paid services or products without valid reason

ZairoHealth may remove listings, suspend partner access, withhold platform privileges, or take legal action where appropriate.

5. Payment and Refund Fraud

Fraudulent payment activity includes:

Using stolen cards, UPI accounts, wallets, or payment credentials
Filing false refund or chargeback claims
Claiming non-delivery despite confirmed delivery or service completion
Creating duplicate accounts for offers or refunds
Manipulating payment gateway flows
Submitting fake screenshots or transaction records
Misusing promotional codes, referral rewards, or wallet credits

Refunds, rewards, and benefits may be denied or reversed if fraud or misuse is suspected.

6. Referral and Reward Abuse

Users must not misuse referral, coupon, wallet, cashback, reward, or promotional programs.

Prohibited activity includes:

Creating fake or duplicate accounts
Self-referrals
Using temporary or disposable contact details
Coordinated reward farming
Fake transactions
Misleading others to sign up
Selling referral benefits
Using bots or automation

ZairoHealth may cancel rewards, restrict accounts, or modify referral terms at any time.

7. Detection and Monitoring

ZairoHealth may use manual review, automated tools, AI-assisted systems, user reports, verification checks, transaction monitoring, device signals, activity logs, and partner feedback to detect fraud or misuse.

ZairoHealth may review suspicious activity at its discretion and may request additional documents, clarification, or verification.

8. User and Partner Responsibilities

Users and partners must:

Provide accurate and lawful information
Keep account credentials secure
Avoid sharing OTPs, passwords, or payment details
Report suspicious activity immediately
Use ZairoHealth only for lawful platform purposes
Cooperate with verification or fraud reviews
Avoid interacting with suspicious links, accounts, or payment requests

ZairoHealth will never ask users to share passwords, OTPs, or full payment credentials.

9. Action ZairoHealth May Take

If fraud, misuse, or suspicious activity is detected, ZairoHealth may:

Warn the user
Request additional verification
Hold or cancel transactions
Reject refunds or rewards
Remove listings, reviews, or content
Restrict features
Suspend or terminate accounts
Remove verified status
Block devices, payment methods, or contact details
Notify affected users or partners
Share information with banks, payment gateways, service providers, or authorities where legally permitted or required
Take legal action

10. Reporting Fraud

If you suspect fraud, impersonation, fake listings, payment abuse, phishing, or misuse, report it immediately.

ZairoHealth Trust & Safety Team
Email: support@zairohealth.com
Website: https://zairohealth.com

Please include:

User, listing, order, or profile details
Screenshots or links
Date and time
Payment or transaction reference, if any
Short explanation of the issue

11. No Retaliation for Good-Faith Reports

Users who report suspected fraud in good faith will not be penalized for making a report.

However, knowingly false, malicious, or abusive reports may result in account action.

12. No Guarantee

ZairoHealth uses reasonable efforts to detect and prevent fraud, but no platform can prevent every fraudulent act.

Users should exercise caution, verify details, avoid sharing sensitive credentials, and report suspicious behavior promptly.

13. Policy Updates

ZairoHealth may update this Anti-Fraud Policy from time to time. Updated versions will be posted on the website or app with a revised “Last updated” date.

Continued use of ZairoHealth after updates means you accept the revised policy.