Yoti Misuse Policy
Version 1.3, October 2023
- Yoti is not a character reference service, we are an identity verification platform. We might take action against users who have misused the Yoti service but we are not accepting a duty of care to any users of Yoti services.
- We want to make clear that use of Yoti services does not guarantee that any user is in any way vetted or trusted by Yoti or any associated business.
- However, where there is proven misuse of our service we reserve the right to suspend that user or restrict that user to certain Yoti services. Our decision is final. Misuse of Yoti services might include use of it to commit serious criminal offences (violence or ‘significant’ financial harm), creating or operating an account fraudulently or a material breach of our Consumer Terms and Conditions. In the event that new, valid evidence is provided, that proves a person was not guilty of the misuse, that would be reviewed and we may revoke a suspension.
- We will generally only take action where there was misuse of Yoti’s services or a material breach of our Consumer Terms and Conditions. This could be, but not limited to committing a crime, coercion, false representation or a user tried to onboard an identity document fraudulently. Where we are made aware of misuse we will take into account all evidence available to us to reach a fair decision depending on the type and level of misuse.
- We will try to act proportionately to the misuse; both in deciding the length of the suspension and which Yoti services we restrict access.
- At account creation and when a user adds a document, we undertake a number of activities to ensure the user is genuine. We also undertake various fraud checks during the life of a Yoti, an EasyID or a Smart ID app account. We will act on reputable, strong and credible reports of misuse. Examples of evidence we would ordinarily act on include court judgements and reports from reputable police forces.
- If a user reports misuse of Yoti services by another user to us, we will advise them to contact the police or other relevant body.
- We will store records of accounts that we have blocked/suspended on an ongoing basis. On a 3 monthly basis we will produce a report on these to discuss at the Senior Management Meeting and will also report / discuss these with the Yoti Guardian’s Council. Of course we will not publish any personal data or information that could identify an individual.
- Yoti’s directors are ultimately responsible for the decisions made under this policy but will take advice from the Yoti Guardian’s Council and trusted third parties, who may bring specific expertise and understanding of different territories.
- This policy is subject to our Consumer Terms and Conditions and nothing in this policy diminishes our rights in the Consumer Terms and Conditions.
- We may revise this policy from time to time.