This document contains three policies: the Marketplace Review Policy, the Fraud Prevention Policy, and our Identity Verification, KYC and AML posture.

Part 1 — Marketplace review policy

1.1 Purpose. Reviews help families make informed choices about providers, concierges, and designers. This Policy keeps reviews honest and fair.

1.2 Who can review. Reviews should reflect a genuine experience with a provider through Homegoing360. We may limit reviews to verified transactions.

1.3 Honest reviews only. We prohibit fake, incentivized-for-positivity, or misleading reviews; reviews by a provider about itself or by competitors; reviews exchanged for compensation without disclosure; and manipulation of ratings. This aligns with the FTC’s rules against fake and deceptive reviews.

1.4 Content standards. Reviews must be respectful and lawful, must not contain defamatory, harassing, infringing, or private information, and must comply with the Acceptable Use Policy.

1.5 Provider responses. Providers may respond professionally to reviews. Providers may not threaten, retaliate against, or offer incentives to remove or alter genuine reviews, and may not use contract terms that penalize honest reviews — consistent with the Consumer Review Fairness Act.

1.6 Moderation and removal. Homegoing360 may moderate, decline, or remove reviews that violate this Policy, and may remove reviews that are fraudulent, off-topic, or unlawful. We do not remove reviews merely because they are negative.

1.7 No pay-for-placement of reviews. Paid placement of a provider, disclosed per the Provider Directory & Paid Placement Disclosure, does not alter genuine reviews.

Part 2 — Fraud prevention policy

2.1 Commitment. Homegoing360 works to protect families, providers, and the Platform from fraud, including payment fraud, account takeover, impersonation, and exploitation of grieving families.

2.2 Measures. We may use risk signals, verification, monitoring, transaction limits, manual review, and third-party fraud and verification tools. We may hold, decline, reverse, or refund transactions; suspend or terminate accounts; and withhold payouts pending review where fraud is suspected.

2.3 Prohibited conduct. Users, providers, concierges, and designers may not: use stolen or unauthorized payment methods; misrepresent identity or authority; engage in chargeback or “friendly” fraud; create fraudulent listings or reviews; launder funds; or exploit or deceive families. See the Acceptable Use Policy and the Chargeback Policy.

2.4 Cooperation and reporting. We may report suspected fraud to our processor, the card networks, and law enforcement, and cooperate with investigations. Report suspected fraud to care@homegoing360.com.

2.5 Effect. Amounts obtained by fraud must be returned. We may recover losses and pursue remedies, and may permanently ban offenders.

Part 3 — Identity verification, KYC and AML

The extent of KYC and AML obligations depends on the payment model. Homegoing360 uses a third-party payment processor (Stripe) that acts as the money-services provider. Homegoing360 does not itself hold or transmit funds as a money transmitter, and identity, KYC, and AML functions are largely performed by the processor. Homegoing360 maintains the supporting verification, screening, and cooperation practices described below.

3.1 Identity verification. Homegoing360 may verify the identity of users, providers, concierges, and designers, and the authority of those acting for organizations, using information they provide and third-party verification tools, consistent with the FCRA and applicable law. Verification may be required to access certain features, receive payouts, or provide services.

3.2 Provider and payee onboarding. Providers, concierges, and designers receiving payouts must provide accurate identity, business, tax (W-9 or W-8), and payout information, and may be subject to the processor’s identity-verification and onboarding requirements. Failure to complete verification may delay or prevent payouts.

3.3 Sanctions screening. Homegoing360, directly or via its processor, may screen against applicable sanctions and watch lists and will not knowingly transact with prohibited persons.

3.4 AML posture. Homegoing360 prohibits use of the Platform for money laundering or illicit finance, monitors for suspicious activity within its role, and cooperates with its processor’s AML program.

3.5 Records. Verification and screening records are retained per the Data Retention Policy and handled per the Privacy Policy.

Contact

care@homegoing360.com EdConsult LLC d/b/a Homegoing360, 1098 Ann Arbor Rd W, #479, Plymouth, MI 48170