Fraud, Scams & Financial Abuse Policy

1. Purpose & Scope

Friendium is a real-identity social platform designed for authentic interaction. Fraudulent or deceptive financial behavior undermines trust and causes serious harm. This policy applies to all users, pages, businesses, advertisers, sellers, and third parties using Friendium services.

2. Definition of Fraud & Financial Abuse

Fraud and financial abuse include any act intended to deceive, manipulate, exploit, or unlawfully obtain money, goods, services, personal data, or financial advantage from others.

3. Prohibited Fraudulent Activities

• Scams designed to steal money, goods, or personal information
• Impersonation of individuals, brands, organizations, or authorities
• Advance-fee fraud, investment scams, or fake business opportunities
• Romance scams or emotional manipulation for financial gain
• False fundraising or charity misrepresentation
• Phishing, credential harvesting, or account takeover schemes
• Fake giveaways, lotteries, or prize notifications
• Market manipulation or coordinated financial deception

4. Marketplace & Commerce Fraud

The following are strictly prohibited in marketplace or commercial contexts:

• Sale of counterfeit or misrepresented goods
• Failure to deliver purchased items or services
• Misleading pricing, hidden fees, or bait-and-switch tactics
• Payment redirection to unverified or deceptive channels
• Abuse of refund, chargeback, or dispute mechanisms

5. Payment & Financial Manipulation

Users may not engage in:

• Money laundering or structuring transactions to avoid detection
• Unauthorized solicitation of funds
• Use of stolen payment methods or financial credentials
• Cryptocurrency scams or fraudulent digital asset offerings
• Coercive or deceptive payment requests

6. Advertising & Promotional Fraud

Advertisers and promoters must not:

• Make false or unsubstantiated claims
• Guarantee profits, returns, or outcomes
• Misrepresent products, services, or endorsements
• Conceal material terms, risks, or conditions
• Target users with deceptive financial messaging

7. Social Engineering & Psychological Manipulation

Friendium prohibits manipulation tactics such as:

• Creating artificial urgency or fear
• Exploiting grief, loneliness, or trust
• Pretending to offer help, employment, or protection
• Leveraging authority impersonation (banks, police, support)

8. Coordinated Fraud & Organized Abuse

Coordinated or network-based fraud operations are strictly forbidden. This includes:

• Fraud rings operating across multiple accounts
• Use of bots or fake identities to amplify scams
• Cross-platform fraud coordination
• Commercial scam operations disguised as communities

9. Reporting Fraud & Financial Abuse

Users are encouraged to report suspected fraud using Friendium’s reporting tools. Reports may include evidence such as messages, listings, payment requests, or advertisements.

10. Investigation & Enforcement

Friendium may take the following actions upon detecting fraud:

• Immediate content removal
• Account restriction or suspension
• Permanent account termination
• Removal of monetization or business privileges
• Referral to law enforcement where legally required

11. Cooperation with Authorities

Friendium and Nexa-Group cooperate with lawful requests from regulatory authorities and law enforcement, subject to applicable privacy laws and due process requirements.

12. User Responsibility & Risk Awareness

Users are responsible for exercising caution in financial interactions. Friendium does not guarantee transactions between users and is not a party to private financial agreements.

13. Platform Liability Disclaimer

Friendium and Nexa-Group are not liable for financial losses resulting from user-to-user transactions or external payment arrangements. The platform provides tools and enforcement but cannot eliminate all risk.

14. Policy Enforcement Philosophy

Friendium applies a zero-tolerance approach to fraud and financial abuse, prioritizing user safety, trust, and legal compliance.

15. Policy Updates

This policy may be updated to address emerging fraud patterns, regulatory changes, or platform evolution. Continued use of Friendium constitutes acceptance of updates.

16. Contact Information

Fraud & Abuse Reports: abuse@friendium.com
Financial Compliance: compliance@friendium.com
Legal: legal@friendium.com