Effective Date: 01/08/2025

Purpose

At Thrivr, we are committed to maintaining a secure, trustworthy environment for our partners, clients and users. This Anti-Fraud Policy outlines how we prevent, identify and respond to fraudulent activity across all our products, platforms and services.

Scope

This policy applies to:

• All users of the Thrivr platform, including web and mobile apps
• All business clients, regardless of size or sector
• All services delivered under the Thrivr brand, including Thrivr Perks, Thrivr Wealth, Thrivr Protect and Thrivr Health

Our Commitment to Fraud Prevention

Thrivr actively monitors for fraud and misuse using a combination of:

• Automated checks
• Manual reviews
• Identity verification
• Business verification
• Behavioural tracking

We are constantly evolving our processes to protect our users, our partners, and the integrity of our platform.

Fraud Prevention Measures

To ensure legitimate use of our services, Thrivr may implement one or more of the following:

1. Business Verification
   Cross-checking company information with trusted sources (e.g. Companies House or regulated databases)

Reviewing the business’s digital presence (e.g. website, social media, domain reputation)

2. Identity Verification
   Verifying the identity of directors, account holders or users via secure, third-party tools

Requiring government-issued ID and selfie video (liveness check) where necessary

3. Email & IP Validation
   Verifying business email domains

Blocking sign-ups from suspicious or previously flagged IP addresses

Detecting duplicate applications or abnormal activity

4. Behavioural & Usage Monitoring
   Monitoring usage patterns that may suggest abuse or automation

Flagging excessive or unusual benefit redemption activity

False or Fraudulent Registrations
If any registration or account is found to be false, misleading or fraudulent:

Thrivr reserves the right to reject or deactivate the account

Access to any services, rewards or features may be suspended or revoked

We may refuse future applications or access to any Thrivr product or service

For more details on user responsibilities, acceptable use, and our rights in such cases, please refer to our Terms & Conditions.

Right to Refuse Access

Thrivr reserves full discretion to deny access to any individual or business where:

• Information provided is incomplete, inaccurate or deceptive
• The account poses a risk to our platform or other users
• The account does not meet our compliance or eligibility standards

Reporting Suspicious Activity

If you suspect someone is misusing the Thrivr platform or services, please report it immediately to:
hello@thrivr.co.uk

All reports are treated in confidence and reviewed by our compliance team.

Policy Updates

This policy may be updated periodically to reflect changes in our processes, technology or regulatory obligations.