Aeesha Store is committed to maintaining a safe and trustworthy marketplace and to preventing its services from being misused for fraud, theft, money laundering, terrorist financing or other unlawful activities.
This policy describes the reasonable customer-verification, transaction-monitoring and fraud-prevention measures that may apply to Aeesha Store.
This policy does not represent that Aeesha Store is a bank, financial institution or regulated payment service provider.
1. Scope
This policy applies to:
Customers
Orders
Payments
Refunds
Business relationships
Promotions
Customer accounts
Transactions processed through our website and related sales channels
2. Customer Information
For ordinary purchases, we may collect information necessary to process and deliver an order, including:
Customer name
Phone number
Email address
Delivery address
Billing information
Order history
Payment status
Transaction references
For certain transactions or circumstances presenting a higher fraud risk, we may request additional information reasonably necessary to verify the transaction, subject to applicable data-protection requirements.
3. Identity Verification
Aeesha Store may conduct verification where reasonably necessary, including where:
A transaction appears unusual
A payment is suspected to be unauthorised
There is a significant mismatch between customer and payment information
A refund request raises fraud concerns
Multiple accounts appear to be connected to suspicious activity
We are legally required to verify information
A transaction requires additional verification for security purposes
We will seek to collect only information reasonably necessary for the verification purpose.
4. Prohibited Activities
Customers must not use Aeesha Store to:
Purchase products using stolen payment information
Commit payment fraud
Create fraudulent accounts
Abuse refunds or chargebacks
Launder criminal proceeds
Facilitate terrorist financing
Circumvent sanctions or applicable legal restrictions
Impersonate another person
Provide deliberately false information
Engage in unlawful activity
5. Transaction Monitoring
We may use manual or automated controls to identify potentially fraudulent or suspicious activity.
Indicators may include:
Multiple failed payment attempts
Unusual ordering patterns
Repeated chargebacks
Multiple accounts sharing suspicious information
Unusual refund activity
Suspected use of compromised payment credentials
Significant inconsistencies in order information
A flagged transaction is not automatically evidence of wrongdoing. We may conduct additional checks before taking action.
6. Payments
Aeesha Store may use third-party payment processors.
Payment providers may conduct their own identity, fraud, AML and transaction-monitoring checks in accordance with their legal and regulatory obligations.
We do not request customers’ card PINs, online banking passwords or OTPs.
7. Suspicious Transactions
Where we reasonably suspect fraud or unlawful activity, we may:
Pause an order
Request additional verification
Decline or cancel a transaction
Restrict an account
Delay a refund while investigating
Contact the payment provider
Preserve relevant records
Report matters to appropriate authorities where legally required or permitted
We will seek to handle such actions fairly and proportionately.
8. Record Keeping
We may retain transaction, customer and verification records for as long as reasonably necessary for:
Completing transactions
Fraud prevention
Customer-service purposes
Accounting
Dispute resolution
Legal or regulatory obligations
Protecting our business and customers
9. Data Protection
Any personal information collected for fraud prevention or verification will be handled in accordance with our Privacy Policy and applicable Nigerian data-protection requirements.
We will seek to limit collection and use to legitimate purposes.
10. Third Parties
Where necessary, we may share relevant information with:
Payment providers
Banks or financial institutions involved in a transaction
Delivery partners
Fraud-prevention service providers
Professional advisers
Law-enforcement or regulatory authorities where legally permitted or required
11. No Guarantee Against Fraud
We use reasonable measures to reduce fraud and financial-crime risks, but no system can eliminate all risks.
Customers should protect their account credentials and immediately notify their bank or payment provider if they believe their payment information has been compromised.
12. Compliance
Aeesha Store will comply with applicable laws and regulatory requirements relevant to its business activities.
Where a particular payment or financial service is provided by a regulated third party, that provider may have separate KYC, AML, CFT and fraud-prevention obligations.
13. Policy Updates
We may update this policy to reflect changes in our business, technology, payment arrangements, fraud risks or applicable legal requirements.
Aeesha Store Safe shopping. Responsible business. Trusted service.
