KYC, EDD & AML

1. Purpose

Tasko connects clients with independent specialists and facilitates payments through licensed partners (including Paystack). We verify identities to reduce fraud, protect users, and meet payment-partner expectations. This is not a bank KYC programme; Tasko is a technology marketplace.

2. KYC information collected from specialists

Depending on the verification tier, we may collect:

• Phone number (OTP login) and email.
• Legal name and profile photo.
• Service categories, zones, bio, portfolio, and certificates (optional).
• National Identification Number (NIN) and NIN card image (optional verification).
• Live selfie / face verification compared to profile photo.
• Nigerian bank account (NUBAN) and bank code for payouts, resolved via Paystack.
• Verification fee payment status where a paid verification journey applies.

3. Verification tiers

Verification is voluntary to join but required for a verified badge and may be required for higher-risk activity:

• Tier 0 — Account: phone, profile, categories. Enough to receive leads; limited trust signals.
• Tier 1 — Verified badge: verification fee (where required), NIN + card, face verification, bank for payouts, ops approval.
• Tier 2 — EDD: triggered by risk signals; additional documents and manual review before payouts continue.

4. Enhanced Due Diligence (EDD)

Tasko applies risk-based EDD. Steps include:

• Manual review of NIN and identity submissions in an operations queue.
• Manual review of face verification when automated checks are inconclusive.
• Background check status flags (clear / flagged) set by authorised ops staff.
• Monitoring of dispute history, chargebacks, completion rates, and trust scores.
• EDD triggers: high transaction amounts or velocity, repeated disputes, KYC mismatches, bank name mismatches, sanctions/watchlist hits (when screening is enabled), or fraud chat flags.
• EDD evidence may include proof of address, business registration (CAC), and tax identifiers where applicable.
• Payouts may be frozen until EDD clears; accounts may be suspended for refusal or falsification.

5. AML, sanctions, and ongoing monitoring

Users must not use Tasko for money laundering or sanctions evasion (see Acceptable Use Policy). We screen and monitor using a combination of automated controls (where enabled), Paystack account resolution, manual ops review, and audit logs. We do not claim to operate a full bank-grade AML programme. Watchlist/sanctions screening is being rolled out for payout recipients and high-risk cases; hits are routed to manual EDD. Suspicious activity may be reported to competent authorities as required by law.

6. Clients

Clients verify primarily via phone OTP. Optional face verification may be offered. Refund withdrawals require a verified Nigerian bank account. High-risk client behaviour (chargebacks, fraud) may trigger review or suspension.

7. Data retention and privacy

KYC records are retained as needed for fraud prevention, disputes, and legal obligations. NIN is encrypted at rest. Details: https://tasko.ng/privacy.

8. Contact

Verification questions: help@tasko.ng. Do not send full NIN or ID images by unsecured email unless support requests a secure channel.