Fraud Monitoring & User Security

1. Our Security Infrastructure

Security is at the core of ValarPay. We employ bank-grade security protocols to protect your funds and personal data. Our infrastructure includes end-to-end encryption, regular penetration testing, and continuous compliance with PCI-DSS standards.

2. Automated Fraud Monitoring

ValarPay uses advanced machine learning algorithms and heuristic analysis to monitor all transactions in real-time. Our systems are designed to detect anomalous behavior, such as:

• Unusually large transaction volumes.
• Logins from unrecognized or high-risk geographical locations.
• Rapid succession of failed PIN or OTP attempts.

If suspicious activity is detected, our system may temporarily freeze the account and require the user to undergo additional biometric or document verification to restore access.

3. User Responsibilities

While we provide robust security, users play a critical role in preventing fraud. You must:

• Never share your PIN, password, or OTP with anyone, including individuals claiming to be ValarPay staff.
• Enable Two-Factor Authentication (2FA) on your account.
• Ensure your mobile device is secured with a screen lock and biometric authentication.
• Report a lost or stolen phone to us immediately so we can disable your account access on that device.

4. Reporting Fraud

If you suspect that your account has been compromised, contact us immediately at fraud@valarpay.com or use the emergency "Lock Account" feature in the app.