KYC & Verification Policy

1. Introduction

This KYC and Verification Policy (the "Policy") explains the Know Your Customer (KYC) and identity verification requirements for users of the Ghar Se platform. Ghar Se Technologies ("Ghar Se," "we," "us," or "our") is committed to maintaining a safe and trusted platform for all users. KYC verification helps us prevent fraud, comply with applicable laws and regulations, and protect the integrity of our platform.

2. Applicability

KYC verification is required for the following categories of users:

• Drivers: All drivers providing ride-hailing services.
• Riders: All delivery riders providing delivery services.
• Vendors and Merchants: All sellers, shopkeepers, restaurants, and service providers listing products or services on the platform.
• Corporate Users: Businesses and organizations using Ghar Se for logistics or employee transport.
• High-Value Users: Regular users conducting high-value transactions may be required to complete KYC as determined by Ghar Se's risk assessment.

3. Required Documents

Depending on the user category, the following documents may be required for KYC verification:

3.1 Individual Users (Drivers, Riders, Individual Vendors)

• Computerized National Identity Card (CNIC): Valid CNIC with a clear front and back copy. For foreign nationals, a valid Passport with Visa or National Identity Card for Overseas Pakistanis (NICOP).
• Driving License: Valid driving license (for drivers and riders operating motor vehicles).
• Vehicle Registration Book: Valid registration documents for the vehicle used to provide services.
• Recent Photograph: A passport-size photograph taken within the last 6 months.
• Proof of Address: Recent utility bill, bank statement, or rental agreement (not older than 3 months).
• Bank Account Details: Valid bank account information for payment settlements.

3.2 Business Entities (Vendors, Merchants, Corporate Users)

• Business Registration Certificate: Certificate of incorporation, partnership deed, or sole proprietor registration.
• National Tax Number (NTN) Certificate: Valid NTN certificate issued by the Federal Board of Revenue (FBR).
• CNIC of Owner/Partner/Director: Valid CNIC of all business owners, partners, or directors.
• Bank Account Details: Business bank account information for payment settlements.
• Utility Bill: Recent utility bill confirming the business address.
• Additional Licenses: Any industry-specific licenses or permits (e.g., restaurant food license, pharmacy license).

4. Verification Process

The KYC verification process involves the following steps:

1. Document Submission: Users submit the required documents through the Ghar Se app, website, or designated verification portal. Documents must be clear, legible, and in the original format (not photocopies).
2. Automated Verification: Documents are initially processed through automated verification systems that check for authenticity, format validity, and consistency.
3. Manual Review: If automated verification is inconclusive, documents are reviewed manually by our verification team. This may include cross-referencing with government databases where available.
4. In-Person Verification: For certain categories (e.g., drivers), in-person verification may be required at a Ghar Se verification center. This involves presenting original documents and taking a live photograph.
5. Biometric Verification: Where required by applicable regulations, biometric verification (fingerprint or facial recognition) may be conducted through authorized verification service providers.
6. Approval or Rejection: Upon successful verification, the user's account is approved. If verification fails, the user is notified of the reason and given an opportunity to resubmit corrected documents.

5. Timeline for Verification

• Automated Verification: Typically completed within 24 hours of document submission.
• Manual Review: May take 2-5 business days depending on the volume of applications.
• In-Person Verification: Scheduled within 5 business days of request, with results communicated within 2 business days after the appointment.
• Biometric Verification: Results are typically available within 1-2 business days after the biometric data is captured.
• Total Process: The complete KYC process is expected to be completed within 7-10 business days from the date of initial document submission, provided all documents are in order.

6. Purpose of KYC

Ghar Se collects and verifies user identity information for the following purposes:

• Fraud Prevention: To verify the identity of users and prevent the creation of fake or fraudulent accounts.
• Regulatory Compliance: To comply with applicable laws and regulations in Pakistan, including anti-money laundering (AML) and counter-terrorism financing (CTF) requirements.
• Security: To ensure that only verified individuals provide services on the platform, enhancing the safety of all users.
• Trust and Transparency: To build trust among community members by ensuring that users are who they claim to be.
• Dispute Resolution: To facilitate the resolution of disputes by having reliable identity information on file.
• Payment Processing: To ensure that payments are processed securely and sent to the correct individuals or entities.

7. Data Protection and Storage

• All KYC documents and data are stored securely using encryption at rest and in transit.
• Access to KYC data is restricted to authorized personnel on a need-to-know basis.
• KYC data is retained for the duration of the user's account activity plus a period of 5 years after account closure, as required by applicable laws and regulations.
• After the retention period, KYC data is securely deleted or anonymized.
• Ghar Se does not share KYC data with third parties except as required by law, with the user's consent, or for verification purposes with authorized verification partners.
• Users have the right to request access to their KYC data and request corrections if the data is inaccurate.

8. Failed Verification Consequences

If a user fails to complete KYC verification, or if verification is unsuccessful, the following consequences may apply:

• Limited Account Access: Unverified accounts may have limited access to platform features. For example, drivers may not be able to accept ride requests, and vendors may not be able to list products.
• Transaction Limits: Unverified accounts may have lower transaction limits compared to verified accounts.
• Payment Holds: Payments or earnings may be held until KYC verification is successfully completed.
• Account Suspension: If KYC verification is not completed within 30 days of registration or the request for verification, the account may be suspended until verification is completed.
• Account Termination: In cases where verification fails due to fraudulent documents or deliberate misrepresentation, the account will be permanently terminated.

9. Updating KYC Information

• Users must keep their KYC information up to date. If any of your documents expire or your information changes, you must submit updated documents promptly.
• Drivers must ensure that their driving license and vehicle registration are always valid. Expired documents will result in account suspension.
• Users can update their KYC information through the app or website settings.

10. Contact Us

If you have any questions about this KYC and Verification Policy or need assistance with the verification process, please contact us:

• Email: [email protected]
• Phone: +92-300-1234567
• Address: Ghar Se Technologies, Islamabad, Pakistan