{"id":3288,"date":"2026-02-25T23:17:16","date_gmt":"2026-02-25T23:17:16","guid":{"rendered":"https:\/\/mymahotsav.com\/knowledgebase\/?post_type=docs&p=3288"},"modified":"2026-02-25T23:17:16","modified_gmt":"2026-02-25T23:17:16","password":"","slug":"anti-fraud-and-aml-kyc-policy","status":"publish","type":"docs","link":"https:\/\/mymahotsav.com\/knowledgebase\/docs\/policy-hub\/crowdfundings\/anti-fraud-and-aml-kyc-policy\/","title":{"rendered":"Anti-fraud and AML\/KYC Policy"},"content":{"rendered":"

Module:<\/strong> CrowdFunding (Utsav daan\u2122)
\nDocument Type:<\/strong>\u00a0Hybrid \u2014 Plain English + Legal Reinforcement
\nTrademark:<\/strong> UTSAV DAAN\u2122 is a registered trademark of MyMahotsav Futuretech Ltd
\nJurisdictions:<\/strong>\u00a0Global (compliant with India PMLA, UK MLR, US BSA, EU AMLD)
\nVersion:<\/strong>\u00a01.0
\nEffective Date:<\/strong> 25th February, 2026<\/p>\n

\n

 <\/p>\n

PART A: PLAIN ENGLISH SUMMARY<\/h2>\n

Keeping UTSAV DAAN\u2122 Safe from Fraud and Financial Crime<\/h3>\n

UTSAV DAAN\u2122 takes financial crime seriously. We have systems to detect, prevent, and report fraud, money laundering, and terrorist financing.<\/p>\n

What You Need to Know<\/h3>\n
    \n
  • \n

    We verify who you are<\/strong>: Before you start a campaign or donate significant amounts, we need to confirm your identity (KYC).<\/p>\n<\/li>\n

  • \n

    We monitor transactions<\/strong>: Our systems look for suspicious patterns\u2014unusual activity gets flagged.<\/p>\n<\/li>\n

  • \n

    We cooperate with authorities<\/strong>: If we detect potential money laundering or fraud, we report it to financial intelligence units as required by law.<\/p>\n<\/li>\n

  • \n

    We block bad actors<\/strong>: Individuals or entities involved in fraud are permanently banned.<\/p>\n<\/li>\n

  • \n

    We protect legitimate users<\/strong>: These measures protect genuine fundraisers and donors from being exploited by criminals.<\/p>\n<\/li>\n<\/ul>\n

    \n

     <\/p>\n

    PART B: LEGAL TERMS AND CONDITIONS<\/h2>\n

    1. POLICY STATEMENT<\/h3>\n

    1.1<\/strong> UTSAV DAAN\u2122 is committed to the highest standards of anti-money laundering (AML) and counter-terrorist financing (CFT) compliance. We implement risk-based procedures to detect, prevent, and report suspicious activities.<\/p>\n

    1.2<\/strong>\u00a0This Policy applies to all Users, Fundraisers, Beneficiaries, Contributors, and Support Group members.<\/p>\n

    \n

    2. KYC (KNOW YOUR CUSTOMER) REQUIREMENTS<\/h3>\n

    2.1 When KYC is Required<\/h4>\n
    \n
    \n
    <\/div>\n
    <\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n
    User Type<\/th>\nKYC Required<\/th>\nThreshold<\/th>\n<\/tr>\n<\/thead>\n
    Fundraiser<\/strong><\/td>\nAlways<\/td>\nPrior to the campaign launch<\/td>\n<\/tr>\n
    Support Group<\/strong><\/td>\nAlways<\/td>\nPrior to designation<\/td>\n<\/tr>\n
    Contributor<\/strong><\/td>\nRisk-based<\/td>\nAbove [\u20b950,000 \/ \u00a3500 \/ $600] cumulative<\/td>\n<\/tr>\n
    Beneficiary<\/strong><\/td>\nAlways<\/td>\nPrior to disbursement<\/td>\n<\/tr>\n
    High-Risk Jurisdiction<\/strong><\/td>\nAlways<\/td>\nAny transaction<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

    2.2 KYC Documentation<\/h4>\n

    For Individuals:<\/strong><\/p>\n

      \n
    • \n

      Government-issued photo ID (Passport, Driver’s License, National ID, Voter ID, Aadhaar*)<\/p>\n<\/li>\n

    • \n

      Proof of address (utility bill, bank statement – <3 months old)<\/p>\n<\/li>\n

    • \n

      PAN Card (India) \/ Tax Identification Number (other jurisdictions)<\/p>\n<\/li>\n

    • \n

      Photograph (for verification)<\/p>\n<\/li>\n

    • \n

      *Aadhaar used only with consent and VID where applicable<\/p>\n<\/li>\n<\/ul>\n

      For Entities:<\/strong><\/p>\n

        \n
      • \n

        Certificate of Incorporation\/Registration<\/p>\n<\/li>\n

      • \n

        Memorandum & Articles \/ Trust Deed<\/p>\n<\/li>\n

      • \n

        PAN\/Tax ID<\/p>\n<\/li>\n

      • \n

        List of authorised signatories with ID proof<\/p>\n<\/li>\n

      • \n

        Board resolution authorizing Campaign<\/p>\n<\/li>\n

      • \n

        Proof of registered address<\/p>\n<\/li>\n

      • \n

        Beneficial ownership declaration (>25% holders)<\/p>\n<\/li>\n<\/ul>\n

        2.3 Verification Methods<\/h4>\n
          \n
        • \n

          Digital KYC<\/strong>: Video-based verification with live photo matching<\/p>\n<\/li>\n

        • \n

          Document Verification<\/strong>: Automated checks for tampering\/forgery<\/p>\n<\/li>\n

        • \n

          Database Cross-check<\/strong>: Sanctions lists, politically exposed persons (PEP) lists<\/p>\n<\/li>\n

        • \n

          Biometric<\/strong>: Where legally permitted and technically feasible<\/p>\n<\/li>\n<\/ul>\n

          2.4 Ongoing Due Diligence<\/h4>\n
            \n
          • \n

            Periodic re-verification (every 2 years for low risk, annually for high risk)<\/p>\n<\/li>\n

          • \n

            Transaction monitoring for unusual patterns<\/p>\n<\/li>\n

          • \n

            Trigger-based review (material changes, suspicious activity)<\/p>\n<\/li>\n<\/ul>\n

            \n

            3. ANTI-MONEY LAUNDERING CONTROLS<\/h3>\n

            3.1 Risk Assessment<\/h4>\n

            UTSAV DAAN\u2122 maintains a risk-based approach considering:<\/p>\n

            \n
            \n
            <\/div>\n
            <\/div>\n<\/div>\n\n\n\n\n\n\n\n\n
            Risk Factor<\/th>\nIndicators<\/th>\n<\/tr>\n<\/thead>\n
            Geographic<\/strong><\/td>\nFATF high-risk jurisdictions, sanctioned countries, and conflict zones<\/td>\n<\/tr>\n
            User Type<\/strong><\/td>\nComplex ownership structures, cash-intensive businesses, and politically exposed persons<\/td>\n<\/tr>\n
            Transaction<\/strong><\/td>\nStructuring (small amounts to avoid thresholds), rapid movement, inconsistent with stated purpose<\/td>\n<\/tr>\n
            Campaign Type<\/strong><\/td>\nVague purpose, unrealistic claims, pressure tactics, and reluctance to provide information<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

            3.2 Transaction Monitoring<\/h4>\n

            3.2.1<\/strong>\u00a0Automated monitoring flags:<\/p>\n

              \n
            • \n

              Multiple contributions from the same source to related campaigns<\/p>\n<\/li>\n

            • \n

              Contributions just below reporting thresholds<\/p>\n<\/li>\n

            • \n

              Rapid withdrawal requests after funding<\/p>\n<\/li>\n

            • \n

              Inconsistent geographic patterns<\/p>\n<\/li>\n

            • \n

              Round-dollar amounts from multiple sources<\/p>\n<\/li>\n<\/ul>\n

              3.2.2<\/strong>\u00a0Manual review triggered for flagged transactions.<\/p>\n

              3.3 Suspicious Transaction Reporting<\/h4>\n

              3.3.1<\/strong>\u00a0When suspicious activity is identified:<\/p>\n

                \n
              • \n

                Internal investigation conducted within [48 hours]<\/p>\n<\/li>\n

              • \n

                If confirmed, Suspicious Transaction Report (STR) filed with:<\/p>\n

                  \n
                • \n

                  India: Financial Intelligence Unit (FIU-IND)<\/p>\n<\/li>\n

                • \n

                  UK: National Crime Agency (NCA)<\/p>\n<\/li>\n

                • \n

                  US: FinCEN<\/p>\n<\/li>\n

                • \n

                  EU: Respective FIUs<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                  3.3.2<\/strong>\u00a0Tipping off prohibition<\/strong>: Users must not be informed that a report has been filed.<\/p>\n

                  3.4 Sanctions Screening<\/h4>\n

                  All Users and Beneficiaries screened against:<\/p>\n

                    \n
                  • \n

                    UN Security Council Sanctions List<\/p>\n<\/li>\n

                  • \n

                    OFAC (US) Specially Designated Nationals List<\/p>\n<\/li>\n

                  • \n

                    EU Consolidated Sanctions List<\/p>\n<\/li>\n

                  • \n

                    UK Sanctions List<\/p>\n<\/li>\n

                  • \n

                    \u00a0Individual country watchlists<\/p>\n<\/li>\n<\/ul>\n

                    Matches result in immediate account freezing and reporting.<\/p>\n

                    \n

                    4. FRAUD PREVENTION<\/h3>\n

                    4.1 Types of Fraud Monitored<\/h4>\n
                    \n
                    \n
                    <\/div>\n
                    <\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n
                    Fraud Type<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
                    Identity Fraud<\/strong><\/td>\nUsing fake\/stolen identities<\/td>\n<\/tr>\n
                    Document Forgery<\/strong><\/td>\nAltered or fabricated documents<\/td>\n<\/tr>\n
                    Impersonation<\/strong><\/td>\nPosing as a legitimate entity without authorisation<\/td>\n<\/tr>\n
                    Phishing<\/strong><\/td>\nAttempting to steal user credentials<\/td>\n<\/tr>\n
                    Fake Campaigns<\/strong><\/td>\nCampaigns with no genuine underlying cause<\/td>\n<\/tr>\n
                    Funds Diversion<\/strong><\/td>\nUsing funds for purposes other than stated<\/td>\n<\/tr>\n
                    Contribution Fraud<\/strong><\/td>\nUsing stolen payment instruments<\/td>\n<\/tr>\n
                    Sybil Attacks<\/strong><\/td>\nMultiple fake accounts to inflate support<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

                    4.2 Fraud Detection Measures<\/h4>\n
                      \n
                    • \n

                      Device fingerprinting<\/p>\n<\/li>\n

                    • \n

                      Behavioral analytics<\/p>\n<\/li>\n

                    • \n

                      Document forensics<\/p>\n<\/li>\n

                    • \n

                      Payment velocity checks<\/p>\n<\/li>\n

                    • \n

                      Cross-campaign analysis<\/p>\n<\/li>\n

                    • \n

                      External database checks<\/p>\n<\/li>\n

                    • \n

                      Community flagging system<\/p>\n<\/li>\n<\/ul>\n

                      4.3 Fraud Response Protocol<\/h4>\n

                      Upon fraud detection:<\/strong><\/p>\n

                        \n
                      1. \n

                        Immediate freeze<\/strong>\u00a0of Campaign\/Account<\/p>\n<\/li>\n

                      2. \n

                        Investigation<\/strong>\u00a0within [72 hours]<\/p>\n<\/li>\n

                      3. \n

                        Notification<\/strong>\u00a0to affected parties (with restrictions if tipping off risk)<\/p>\n<\/li>\n

                      4. \n

                        Law enforcement referral<\/strong>\u00a0for criminal fraud<\/p>\n<\/li>\n

                      5. \n

                        Permanent ban<\/strong>\u00a0of fraudulent actors<\/p>\n<\/li>\n

                      6. \n

                        Asset tracing<\/strong> for fund recovery, where possible<\/p>\n<\/li>\n<\/ol>\n

                        4.4 Chargeback and Dispute Management<\/h4>\n
                          \n
                        • \n

                          Contributors must first attempt resolution through the Platform<\/p>\n<\/li>\n

                        • \n

                          Evidence package prepared for payment processor disputes<\/p>\n<\/li>\n

                        • \n

                          Fraudulent chargebacks (friendly fraud) contested<\/p>\n<\/li>\n

                        • \n

                          Repeat abusers blocked from Platform<\/p>\n<\/li>\n<\/ul>\n

                          \n

                          5. RECORD KEEPING<\/h3>\n

                          5.1<\/strong> UTSAV DAAN\u2122 maintains records:<\/p>\n

                            \n
                          • \n

                            KYC documents: Minimum 5 years after account closure<\/p>\n<\/li>\n

                          • \n

                            Transaction records: Minimum 5 years (10 years for high-risk)<\/p>\n<\/li>\n

                          • \n

                            STR copies: As required by law (typically 5 years)<\/p>\n<\/li>\n

                          • \n

                            Investigation reports: 7 years<\/p>\n<\/li>\n<\/ul>\n

                            5.2<\/strong>\u00a0Records stored securely with access controls and audit trails.<\/p>\n

                            \n

                            6. COMPLIANCE GOVERNANCE<\/h3>\n

                            6.1<\/strong>\u00a0Designated Compliance Officer<\/strong>:<\/p>\n

                              \n
                            • \n

                              Name: [Insert Name]<\/p>\n<\/li>\n

                            • \n

                              Title: [Insert Title]<\/p>\n<\/li>\n

                            • \n

                              Contact: [Insert Email\/Phone]<\/p>\n<\/li>\n<\/ul>\n

                              6.2<\/strong>\u00a0Compliance Responsibilities<\/strong>:<\/p>\n

                                \n
                              • \n

                                Policy implementation and review<\/p>\n<\/li>\n

                              • \n

                                STR filing oversight<\/p>\n<\/li>\n

                              • \n

                                Employee training<\/p>\n<\/li>\n

                              • \n

                                Regulatory liaison<\/p>\n<\/li>\n

                              • \n

                                Annual independent audit<\/p>\n<\/li>\n<\/ul>\n

                                6.3<\/strong>\u00a0Employee Training<\/strong>:<\/p>\n

                                  \n
                                • \n

                                  Annual AML\/CFT training is mandatory<\/p>\n<\/li>\n

                                • \n

                                  New hire training within 30 days<\/p>\n<\/li>\n

                                • \n

                                  Specialised training for the compliance team<\/p>\n<\/li>\n<\/ul>\n

                                  \n

                                  7. USER OBLIGATIONS<\/h3>\n

                                  7.1<\/strong>\u00a0Users must:<\/p>\n

                                    \n
                                  • \n

                                    Provide accurate, complete information<\/p>\n<\/li>\n

                                  • \n

                                    Update information when changed<\/p>\n<\/li>\n

                                  • \n

                                    Do not structure transactions to avoid reporting<\/p>\n<\/li>\n

                                  • \n

                                    Report suspected fraud to the Platform<\/p>\n<\/li>\n

                                  • \n

                                    Cooperate with investigations<\/p>\n<\/li>\n<\/ul>\n

                                    7.2<\/strong>\u00a0Non-compliance results in:<\/p>\n

                                      \n
                                    • \n

                                      Account suspension<\/p>\n<\/li>\n

                                    • \n

                                      Fund freezing<\/p>\n<\/li>\n

                                    • \n

                                      Reporting to authorities<\/p>\n<\/li>\n

                                    • \n

                                      Permanent ban<\/p>\n<\/li>\n<\/ul>\n

                                      \n

                                       <\/p>\n

                                      \u00a0 PART C: JURISDICTION-SPECIFIC ADDENDUMS<\/h2>\n

                                      INDIA ADDENDUM<\/h3>\n

                                      Legal Framework<\/strong>:<\/p>\n

                                        \n
                                      • \n

                                        Prevention of Money Laundering Act, 2002 (PMLA)<\/p>\n<\/li>\n

                                      • \n

                                        PMLA Rules, 2005<\/p>\n<\/li>\n

                                      • \n

                                        RBI Master Direction on KYC<\/p>\n<\/li>\n

                                      • \n

                                        FIU-IND Reporting Formats<\/p>\n<\/li>\n<\/ul>\n

                                        Thresholds<\/strong>:<\/p>\n

                                          \n
                                        • \n

                                          Identity verification for all Fundraisers<\/p>\n<\/li>\n

                                        • \n

                                          Suspicious transaction reporting mandatory<\/p>\n<\/li>\n

                                        • \n

                                          Cash transaction limit: \u20b92 lakh (where applicable)<\/p>\n<\/li>\n

                                        • \n

                                          Cross-border wire transfer reporting<\/p>\n<\/li>\n<\/ul>\n

                                          PEP Definition<\/strong>: Includes foreign political figures, their family members and close associates.<\/p>\n

                                          UK ADDENDUM<\/h3>\n

                                          Legal Framework<\/strong>:<\/p>\n

                                            \n
                                          • \n

                                            Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017<\/p>\n<\/li>\n

                                          • \n

                                            Proceeds of Crime Act 2002<\/p>\n<\/li>\n

                                          • \n

                                            Terrorism Act 2000<\/p>\n<\/li>\n

                                          • \n

                                            FCA Handbook<\/p>\n<\/li>\n<\/ul>\n

                                            Thresholds<\/strong>: Occasional transaction > \u20ac2,000 requires CDD.<\/p>\n

                                            SAR Filing<\/strong>: Via NCA’s SAR Online system.<\/p>\n

                                            US ADDENDUM<\/h3>\n

                                            Legal Framework<\/strong>:<\/p>\n

                                              \n
                                            • \n

                                              Bank Secrecy Act (BSA)<\/p>\n<\/li>\n

                                            • \n

                                              USA PATRIOT Act<\/p>\n<\/li>\n

                                            • \n

                                              FinCEN Regulations<\/p>\n<\/li>\n

                                            • \n

                                              OFAC Sanctions<\/p>\n<\/li>\n<\/ul>\n

                                              Thresholds<\/strong>:<\/p>\n

                                                \n
                                              • \n

                                                Cash payments > $10,000: Currency Transaction Report<\/p>\n<\/li>\n

                                              • \n

                                                Suspicious Activity Report (SAR) for transactions > $5,000 with suspicion<\/p>\n<\/li>\n<\/ul>\n

                                                Patriot Act Section 326<\/strong>: Minimum verification standards.<\/p>\n

                                                EU ADDENDUM<\/h3>\n

                                                Legal Framework<\/strong>:<\/p>\n

                                                  \n
                                                • \n

                                                  5th Anti-Money Laundering Directive (AMLD5)<\/p>\n<\/li>\n

                                                • \n

                                                  6th Anti-Money Laundering Directive (AMLD6)<\/p>\n<\/li>\n

                                                • \n

                                                  Respective national implementations<\/p>\n<\/li>\n<\/ul>\n

                                                  Beneficial Ownership<\/strong>: Register of beneficial owners >25% required.<\/p>\n

                                                  \n

                                                   <\/p>\n

                                                  \u00a0PART D: ENTERPRISE INTERNAL MANUAL<\/h2>\n

                                                  For UTSAV DAAN\u2122 Compliance Team<\/h3>\n

                                                  A. Alert Triage Matrix<\/h4>\n
                                                  \n
                                                  \n
                                                  <\/div>\n
                                                  <\/div>\n<\/div>\n\n\n\n\n\n\n\n\n
                                                  Alert Type<\/th>\nPriority<\/th>\nAction<\/th>\nSLA<\/th>\n<\/tr>\n<\/thead>\n
                                                  Sanctions Match<\/td>\nCRITICAL<\/td>\nFreeze account, notify Compliance Officer<\/td>\nImmediate<\/td>\n<\/tr>\n
                                                  PEP Identification<\/td>\nHIGH<\/td>\nEnhanced due diligence, escalation<\/td>\n4 hours<\/td>\n<\/tr>\n
                                                  Structuring Pattern<\/td>\nMEDIUM<\/td>\nTransaction analysis, possible SAR<\/td>\n24 hours<\/td>\n<\/tr>\n
                                                  Document Discrepancy<\/td>\nLOW<\/td>\nRequest additional docs<\/td>\n48 hours<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

                                                  B. Investigation Workflow<\/h4>\n

                                                  Step 1: Initial Review<\/strong>\u00a0(4 hours)<\/p>\n

                                                    \n
                                                  • \n

                                                    Gather all available information<\/p>\n<\/li>\n

                                                  • \n

                                                    Review transaction history<\/p>\n<\/li>\n

                                                  • \n

                                                    Check previous flags<\/p>\n<\/li>\n<\/ul>\n

                                                    Step 2: Enhanced Due Diligence<\/strong>\u00a0(24-48 hours)<\/p>\n

                                                      \n
                                                    • \n

                                                      Request additional documentation<\/p>\n<\/li>\n

                                                    • \n

                                                      Conduct open-source research<\/p>\n<\/li>\n

                                                    • \n

                                                      Verify with external databases<\/p>\n<\/li>\n<\/ul>\n

                                                      Step 3: Decision<\/strong><\/p>\n

                                                        \n
                                                      • \n

                                                        No further action (document)<\/p>\n<\/li>\n

                                                      • \n

                                                        Enhanced monitoring<\/p>\n<\/li>\n

                                                      • \n

                                                        File STR<\/p>\n<\/li>\n

                                                      • \n

                                                        Law enforcement referral<\/p>\n<\/li>\n<\/ul>\n

                                                        Step 4: Documentation<\/strong><\/p>\n

                                                          \n
                                                        • \n

                                                          Complete investigation report<\/p>\n<\/li>\n

                                                        • \n

                                                          Preserve evidence<\/p>\n<\/li>\n

                                                        • \n

                                                          Update case management system<\/p>\n<\/li>\n<\/ul>\n

                                                          C. Regulatory Reporting Deadlines<\/h4>\n
                                                          \n
                                                          \n
                                                          <\/div>\n
                                                          <\/div>\n<\/div>\n\n\n\n\n\n\n\n\n
                                                          Jurisdiction<\/th>\nReport Type<\/th>\nDeadline<\/th>\n<\/tr>\n<\/thead>\n
                                                          India (FIU)<\/td>\nSTR<\/td>\n7 days from determination<\/td>\n<\/tr>\n
                                                          UK (NCA)<\/td>\nSAR<\/td>\nAs soon as practicable<\/td>\n<\/tr>\n
                                                          US (FinCEN)<\/td>\nSAR<\/td>\n30 days from detection<\/td>\n<\/tr>\n
                                                          EU (varies)<\/td>\nSTR<\/td>\nTypically immediate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

                                                          Module: CrowdFunding (Utsav daan\u2122) Document Type:\u00a0Hybrid \u2014 Plain English + Legal Reinforcement Trademark: UTSAV DAAN\u2122 is a registered trademark of MyMahotsav Futuretech Ltd Jurisdictions:\u00a0Global (compliant…<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"doc_category":[211],"glossaries":[],"doc_tag":[240,31],"knowledge_base":[199],"class_list":["post-3288","docs","type-docs","status-publish","hentry","doc_category-crowdfundings","doc_tag-guideline","doc_tag-policy","knowledge_base-policy-hub"],"year_month":"2026-04","word_count":1161,"total_views":"70","reactions":{"happy":"0","normal":"0","sad":"0"},"author_info":{"name":"MyMahotsav Admin","author_nicename":"support-team","author_url":"https:\/\/mymahotsav.com\/knowledgebase\/author\/support-team\/"},"doc_category_info":[{"term_name":"CrowdFundings","term_url":"https:\/\/mymahotsav.com\/knowledgebase\/docs\/mm-guides\/crowdfundings\/"}],"doc_tag_info":[{"term_name":"Guideline","term_url":"https:\/\/mymahotsav.com\/knowledgebase\/docs-tag\/guideline\/"},{"term_name":"Policy","term_url":"https:\/\/mymahotsav.com\/knowledgebase\/docs-tag\/policy\/"}],"yoast_head":"\nAnti-Fraud & AML\/KYC Policy | Utsaav Daan - MyMahotsav<\/title>\n<meta name=\"description\" content=\"UTSAVDAAN\u2122 implements rigorous anti-fraud and AML\/KYC measures to protect donors and fundraisers. 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