Anti-Fraud Policy

Last Updated: July 17, 2026 -Effective Date: July 17, 2030

At Nuvago Travel & Tourism (“Nuvago”, “we”, “our”, or “us”), we are committed to maintaining the highest standards of integrity, transparency, and security in all aspects of our business. Fraudulent activities threaten our customers, employees, business partners, and the travel industry as a whole. This Anti-Fraud Policy outlines our commitment to preventing, detecting, investigating, and responding to fraudulent activities related to our services, website, booking systems, and payment processes.

This policy applies to all customers, website visitors, employees, contractors, suppliers, agents, affiliates, and any third party interacting with Nuvago Travel & Tourism.

1. Purpose of This Policy

The purpose of this Anti-Fraud Policy is to establish clear principles and procedures designed to prevent fraudulent activities, protect customer information, safeguard financial transactions, and preserve the integrity of our business operations.

We maintain a zero-tolerance approach toward fraud and will take appropriate action whenever fraudulent activity is identified or reasonably suspected.


2. Scope of This Policy

This policy applies to all activities associated with Nuvago Travel & Tourism, including:

  • Online bookings.
  • Offline reservations.
  • Payment transactions.
  • Refund requests.
  • Travel vouchers.
  • Gift certificates.
  • Customer accounts.
  • Supplier relationships.
  • Website usage.
  • Marketing campaigns.
  • Affiliate programs.
  • Corporate travel services.

3. Definition of Fraud

For the purposes of this policy, fraud refers to any intentional act, omission, misrepresentation, deception, forgery, manipulation, or unauthorized activity carried out for personal or financial gain, or to cause loss or harm to another party.

Fraud may involve individuals, organized groups, cybercriminals, businesses, or any third party attempting to obtain money, services, confidential information, or other benefits unlawfully.


4. Examples of Fraudulent Activities

Fraudulent activities may include, but are not limited to:

  • Using stolen or unauthorized payment cards.
  • Submitting false payment information.
  • Identity theft or impersonation.
  • Chargeback abuse.
  • Fake refund requests.
  • Submission of forged travel documents.
  • Creation of fake customer accounts.
  • Use of stolen loyalty rewards or promotional vouchers.
  • Website hacking or unauthorized system access.
  • Phishing attempts.
  • Money laundering activities.
  • Supplier fraud.
  • Employee fraud.
  • False insurance claims.
  • Manipulation of booking records.

5. Fraud Prevention Measures

To protect our customers and business operations, Nuvago implements appropriate administrative, technical, and operational safeguards designed to reduce the risk of fraud.

Our fraud prevention measures may include:

  • Secure payment processing.
  • Encrypted data transmission.
  • Identity verification where appropriate.
  • Booking validation procedures.
  • Risk-based transaction monitoring.
  • Internal security controls.
  • Employee awareness and training.
  • Access control measures.
  • Regular security reviews.

6. Customer Responsibilities

Customers play an important role in preventing fraud and are expected to take reasonable precautions when using our services.

Customers should:

  • Provide accurate personal information.
  • Protect their booking confirmations and account credentials.
  • Use secure internet connections when making payments.
  • Monitor payment card activity.
  • Immediately report any suspected unauthorized activity.
  • Keep contact information up to date.
  • Never share one-time verification codes with others.

7. Transaction Verification

To protect both our customers and our business, certain bookings or payment transactions may be subject to additional verification procedures before confirmation.

Verification measures may include identity confirmation, payment authorization, document verification, or direct communication with the customer. Failure to complete required verification may result in delays, cancellation of the booking, or refusal of the transaction where permitted by applicable law.


8. Fraud Detection and Investigation

Nuvago Travel & Tourism reserves the right to investigate any booking, payment, refund request, account activity, or transaction that appears suspicious or indicates potential fraudulent activity.

As part of our investigation process, we may:

  • Review booking and payment records.
  • Verify customer identity.
  • Request additional supporting documentation.
  • Contact the payment provider or financial institution.
  • Review IP addresses, device information, and transaction history where legally permitted.
  • Temporarily suspend processing while verification is completed.

Investigations are conducted fairly, confidentially, and in accordance with applicable laws and privacy requirements.


9. Chargeback Prevention and Payment Disputes

Customers are encouraged to contact Nuvago before initiating a chargeback or payment dispute with their card issuer or payment provider. Many issues can be resolved quickly through our Customer Support Team.

Where a chargeback is determined to be fraudulent or without valid legal or contractual grounds, Nuvago reserves the right to:

  • Challenge the chargeback through the payment processor.
  • Submit supporting booking documentation.
  • Suspend future bookings.
  • Recover any outstanding balances where permitted by law.

10. Reporting Suspected Fraud

We encourage customers, employees, suppliers, and business partners to report any suspected fraudulent activity involving Nuvago Travel & Tourism.

Reports should include as much relevant information as possible to assist our investigation. All reports will be reviewed confidentially and in good faith.

Where appropriate, anonymous reports may also be considered, although providing contact information may assist us in conducting a more effective investigation.


11. Consequences of Fraudulent Activity

Any individual or organization found to have engaged in fraudulent activity may be subject to one or more of the following actions:

  • Immediate cancellation of bookings.
  • Refusal of future services.
  • Suspension or termination of customer accounts.
  • Denial of refunds or promotional benefits.
  • Recovery of financial losses.
  • Reporting the matter to payment providers.
  • Reporting the matter to law enforcement or regulatory authorities where appropriate.
  • Civil or criminal legal proceedings where permitted by applicable law.

12. Cooperation with Financial Institutions and Authorities

Nuvago may cooperate with banks, payment processors, insurance companies, regulatory authorities, cybersecurity specialists, law enforcement agencies, and other competent organizations to prevent, detect, investigate, or prosecute fraudulent activities.

Such cooperation will be carried out in accordance with applicable laws, privacy obligations, and legitimate business interests.


13. Updates to This Policy

Nuvago Travel & Tourism reserves the right to amend or update this Anti-Fraud Policy at any time to reflect changes in legal requirements, payment technologies, fraud prevention practices, cybersecurity standards, or business operations.

The latest version of this policy will always be published on our official website and becomes effective upon publication unless otherwise specified.


14. Contact Us

If you have questions regarding this Anti-Fraud Policy or wish to report suspected fraudulent activity, please contact us using the details below:

  • Nuvago Travel & Tourism
  • Email: info@nuvagotravel.com
  • Phone / WhatsApp: +20 104 494 6436

We take every report seriously and appreciate your cooperation in helping us maintain a secure, trustworthy, and reliable travel environment.


15. Effective Date

This Anti-Fraud Policy becomes effective on the date it is published on the official Nuvago Travel & Tourism website and remains in effect until amended or replaced by a newer version.