AML & KYC Policy

Last updated: July 11, 2026

This AML & KYC Policy explains ZairoHealth’s approach to identity verification, anti-fraud checks, transaction safety, and prevention of money laundering, terrorist financing, impersonation, and misuse across the ZairoHealth website, mobile applications, and related platforms.

This policy should be read with our Privacy Policy, Terms & Conditions, Anti-Fraud Policy, Doctor Verification Policy, Hospital Partner Policy, Data Retention Policy, and Consent Policy.

1. Important Notice

ZairoHealth is a healthcare technology platform and may not be a bank, financial institution, payment aggregator, or regulated financial reporting entity unless expressly stated.

However, ZairoHealth may apply KYC, verification, transaction review, and risk-control measures to protect users, doctors, hospitals, partners, sellers, vendors, and the platform from fraud, impersonation, illegal transactions, and misuse.

Where ZairoHealth works with banks, payment gateways, regulated entities, or financial service providers, those partners may conduct their own KYC, AML, fraud, and transaction-monitoring checks.

2. Purpose

The purpose of this policy is to:

  • Verify user, doctor, hospital, seller, vendor, and partner identity
  • Prevent impersonation and fake profiles
  • Reduce fraud, forged documents, fake listings, and payment abuse
  • Support safe transactions, refunds, and payouts
  • Identify suspicious activity
  • Protect the platform from unlawful use
  • Support compliance with applicable laws and partner requirements

3. Scope

This policy may apply to:

  • Doctors and healthcare professionals
  • Hospitals, clinics, and healthcare organizations
  • Sellers, vendors, and service providers
  • Event organizers
  • Users making payments, bookings, purchases, or refund requests
  • Users receiving payouts, rewards, referral benefits, or credits
  • Any account or transaction flagged for risk review

4. KYC Information We May Collect

Depending on the user type, feature, risk level, or legal requirement, ZairoHealth may request:

  • Full name
  • Mobile number and email address
  • Date of birth
  • Address or location
  • Profile photo
  • Government-issued identity proof
  • PAN, GST, business registration, or tax details, where applicable
  • Medical registration number
  • Medical council certificate
  • Degree, qualification, or professional certificate
  • Hospital, clinic, or organization license
  • Authorization letter for organization representatives
  • Bank account or payout details, where applicable
  • Payment transaction references
  • Any other documents reasonably required for verification or risk review

5. Doctor and Healthcare Professional Verification

Doctors and healthcare professionals may be required to complete identity and professional verification before accessing certain features, including verified profile status, job applications, shifts, hospital opportunities, referrals, or partner benefits.

ZairoHealth may review medical registration details, qualification documents, identity proof, work experience, and other professional information.

Verification does not guarantee medical competence, employment selection, hospital acceptance, or service quality.

6. Hospital, Seller, and Partner Verification

Hospitals, clinics, sellers, vendors, event organizers, and service providers may be required to provide business, license, tax, authorization, and contact details.

ZairoHealth may reject, restrict, suspend, or re-verify partner accounts if submitted information is incomplete, false, expired, misleading, or high-risk.

7. Risk-Based Checks

ZairoHealth may apply risk-based checks depending on:

  • User role
  • Transaction value
  • Payment or refund behavior
  • Location or device signals
  • Document quality or mismatch
  • Repeated failed verification attempts
  • Duplicate accounts
  • Complaints or reports
  • Suspicious listings, applications, or communication
  • Partner or payment gateway alerts
  • Legal, security, or platform safety concerns

Higher-risk activity may require additional documents, manual review, temporary restrictions, or enhanced checks.

8. Prohibited Activity

Users and partners must not:

  • Use fake, stolen, forged, altered, or expired documents
  • Misrepresent identity, qualification, license, registration, business, or affiliation
  • Create duplicate or shell accounts to hide identity
  • Use stolen payment methods
  • Attempt refund, chargeback, referral, or coupon fraud
  • Route unlawful funds through ZairoHealth
  • Use ZairoHealth to facilitate money laundering, terrorist financing, bribery, corruption, or illegal activity
  • Use accounts on behalf of undisclosed third parties
  • Hide beneficial ownership or representative authority
  • Avoid verification, monitoring, or platform controls

9. Transaction Monitoring

ZairoHealth may review transactions, refunds, orders, bookings, referral rewards, wallet credits, payouts, service payments, or other payment-related activity for suspicious patterns.

Examples of suspicious activity may include:

  • Unusual payment or refund patterns
  • Multiple accounts using the same payment method
  • Repeated failed payment attempts
  • Large or inconsistent transactions
  • Duplicate reward claims
  • Suspicious chargebacks
  • Mismatched account and payment information
  • High-risk seller, vendor, or partner behavior
  • Complaints involving non-delivery, fake services, or unauthorized payments

10. Enhanced Due Diligence

ZairoHealth may request enhanced due diligence where risk is higher.

This may include:

  • Additional identity documents
  • Business ownership details
  • Proof of authorization
  • Bank account confirmation
  • Source or purpose of transaction, where relevant
  • Clarification about listings, products, services, or payouts
  • Manual review by ZairoHealth or verification partners

Failure to complete enhanced checks may result in restricted access, cancellation, withheld payouts, suspension, or account termination.

11. Screening and Sanctions

Where appropriate and legally permitted, ZairoHealth or its partners may screen users, partners, organizations, or transactions against fraud, sanctions, politically exposed person, law-enforcement, or restricted-party databases.

A potential match may require additional review before account approval, service access, payout, or transaction completion.

12. Record Keeping

ZairoHealth may retain KYC, verification, transaction, fraud-review, consent, and communication records as described in its Privacy Policy and Data Retention Policy.

Certain records may be retained after account closure where required for legal, tax, audit, fraud-prevention, dispute-resolution, payment, regulatory, or security purposes.

13. Reporting and Cooperation

If ZairoHealth identifies suspected illegal activity, fraud, money laundering, terrorist financing, impersonation, or misuse, it may:

  • Restrict or suspend the account
  • Cancel transactions, refunds, rewards, or payouts
  • Remove listings or content
  • Request additional verification
  • Notify affected users, partners, banks, payment gateways, or service providers
  • Cooperate with law enforcement, regulators, courts, or government authorities where legally required or permitted
  • Take legal action

14. User and Partner Responsibilities

Users and partners must:

  • Provide accurate, complete, and current information
  • Update KYC or verification details when they change
  • Use only lawful payment methods
  • Keep account credentials secure
  • Avoid sharing OTPs, passwords, or sensitive financial details
  • Cooperate with verification or risk reviews
  • Report suspicious activity immediately
  • Comply with applicable laws and platform policies

15. Re-Verification

ZairoHealth may request re-verification if:

  • Documents expire
  • Account details change
  • Bank or payout details change
  • Risk level changes
  • Suspicious activity is detected
  • Complaints are received
  • Required by payment partners, hospitals, vendors, or law
  • Existing verification is outdated, incomplete, or unclear

16. Refusal, Suspension, and Termination

ZairoHealth may refuse onboarding, restrict features, suspend transactions, withhold payouts, or terminate accounts if:

  • KYC is incomplete or rejected
  • Information is false, misleading, or unverifiable
  • Suspicious activity is detected
  • User fails to cooperate with review
  • Account is linked to fraud, misuse, or unlawful activity
  • Required by law, partner policy, or platform safety

17. No Financial Services Representation

Nothing in this policy means that ZairoHealth provides banking, remittance, investment, lending, insurance, wallet, payment aggregation, or regulated financial services unless expressly stated and authorized.

Payment services may be provided by third-party payment gateways, banks, or financial service providers subject to their own terms and compliance processes.

18. Reporting Suspicious Activity

If you notice suspicious payments, fake profiles, forged documents, impersonation, fake listings, refund abuse, or other misuse, contact:

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

Please include screenshots, profile or transaction details, dates, and a short explanation.

19. Policy Updates

ZairoHealth may update this AML & KYC 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.

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