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ANTI-FRAUD POLICY

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Effective Date: November 27, 2025

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1. Fraud Prevention and Compliance

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Joshua Bradley Luxury operates in full compliance with UK Anti-Money Laundering (AML) regulations and Know Your Customer (KYC) requirements. We may request identification, proof of address, or additional verification documents before processing any transaction.


Failure to provide requested documentation may result in cancellation of the transaction.

 

2. Bank Transfers and Payment Verification

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All bank transfers must originate from an account registered in the customer’s full legal name. We do not accept payments from third-party accounts.


Funds received from unverified, mismatched, or suspicious accounts may be held pending investigation and may be refused or returned if fraudulent activity is suspected.


If a transaction is flagged for possible fraud, we may notify the relevant authorities and retain funds or items until the investigation is complete.

 

3. Credit and Debit Card Transactions

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Payments made via credit or debit card must be completed using a card registered in the customer’s own name and billing address.


For high-value transactions, we may request additional verification such as photo ID and proof of billing address.


Fraudulent or abusive chargebacks will be disputed and pursued through legal means. Customers may be charged for associated losses, fees, or administrative costs.

 

4. Online and Digital Fraud Prevention

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We monitor for suspicious digital activity, including but not limited to:
 

  • Use of VPNs or masked IP addresses

  • Multiple account attempts

  • Account takeover risks

  • Automated or bot activity

  • Use of false or stolen identification
    We reserve the right to block access, refuse transactions, or request further verification where suspicious activity is identified.

 

5. Duplicate Accounts and Identity Misuse

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Creating multiple accounts or providing inconsistent identity information is prohibited.
We may suspend or permanently ban customers who attempt to hide identity, evade checks, or misrepresent themselves.


We reserve the right to request additional documents if discrepancies or concerns arise.

 

6. Counterfeit, Misrepresented, or Stolen Goods

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Customers must confirm that all items submitted for sale, part exchange, or buy-back are authentic, legally owned, and accurately described.


If an item is found to be counterfeit, misrepresented, stolen, or otherwise fraudulent, we may:
 

  • Report the matter to law enforcement

  • Cooperate fully with any investigation

  • Surrender the item to the relevant authorities

  • Require the customer to refund any money previously paid
     

7. Ownership and Misrepresentation

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By submitting an item to us, customers confirm they are the legal owner and that all details provided are true. This includes:
 

  • Authenticity

  • Condition

  • Age and provenance

  • Specifications such as metal purity, gemstone quality, or brand origin
    False claims or intentional misrepresentation are treated as fraud.
     

8. Suspicious or Fraudulent Activity
 

If we suspect identity fraud, financial crime, unauthorised transactions, or misrepresentation, we may cancel or suspend the transaction without notice.


Items, funds, or documentation may be held until investigations are completed.


We may report suspicious activity to financial institutions, law enforcement, and fraud prevention agencies.

 

9. Payment Holds and Delays
 

We reserve the right to delay payments where fraud checks, authenticity verification, or AML reviews are required.


Payments will only be released once all checks are complete and the transaction is fully approved.

 

10. Customer Responsibility and Legal Action
 

Any attempt to commit fraud, misrepresentation, or unauthorised activity will result in:
 

  • Immediate termination of the transaction

  • Permanent ban from future transactions

  • Civil claims to recover losses

  • Potential criminal prosecution
    We reserve the right to recover any financial losses resulting from fraudulent activity.
     

11. Data Sharing and Confidentiality
 

Where fraud is suspected or detected, customer information may be shared with:
 

  • Law enforcement agencies

  • Financial institutions

  • Fraud prevention bodies

  • Payment service providers
    All personal data is processed in accordance with UK GDPR and our Privacy Policy.
     

12. Final Agreement and Governing Law
 

This Anti-Fraud Policy forms part of the contractual agreement between Joshua Bradley Luxury and the customer.


All matters arising from this policy are governed by the laws of England and Wales, with disputes handled through the English courts.

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