Effective Date: January 1, 2025
Company: Danuta Group LLC
Website: https://thedigitalowl.click
Contact: admin@thedigitalowl.click
1. Purpose and Scope
This Fraud Prevention & Verification Policy explains the measures Danuta Group LLC, operating as The Digital Owl, takes to protect clients, financial institutions, and our company from unauthorized transactions, impersonation, or payment-related fraud.
We operate exclusively as a provider of digital educational content and do not sell physical products, third-party deals, or items through social media or marketplaces.

2. Authorized Payment Channels (Commercial Use Justification)
Payments are accepted only through the following official channels:
Secure checkout pages on https://thedigitalowl.click, which utilizes e-commerce integration tools such as the **WooCommerce Zelle Payment Gateway**, to facilitate and document commercial transactions.
Verified company emails used for payment receipt:
tdopayments@thedigitalowl.click
adviceserviceboa@gmail.com
adviceserviceboarca@gmail.com
Any other payment address, third-party listing, or external communication offering “discounts,” “special deals,” or physical goods is unauthorized and not associated with our company.

3. No Marketplace or Third-Party Sales
We do not advertise, promote, or sell products through:
Facebook Marketplace
Instagram direct messages
Classified ads (e.g., Craigslist, OfferUp)
Telegram or WhatsApp groups
Any party using our name, logo, or payment emails to solicit such transactions is impersonating our business. We classify all claims for non-digital goods as **external fraud**, and we submit this policy to financial institutions to contest related disputes. Victims of such scams should contact their bank immediately to report the fraud and request recovery through proper channels.

4. Verification Procedures (Technological Control)
To ensure transaction authenticity and security, and in compliance with heightened due diligence standards, we implement the following controls:
**Mandatory risk assessment:** All transactions are subject to immediate checks, including the automatic collection and verification of the purchasing device’s **IP address, geolocation data, and device fingerprint** to detect high-risk activity.
We may require confirmation via official company email before accepting a payment.
We verify the buyer’s email or transaction ID for certain purchases.
We reserve the right to refuse and immediately refund transactions suspected of being initiated by third parties or fraudulent actors based on our internal risk scoring.

5. Zelle Compliance and Liability
We maintain full awareness of Zelle’s policies. The customer is explicitly informed and agrees in our Terms and Conditions that Zelle is an **irrevocable, cash-like transfer** and **”neither Zelle nor the financial institutions offer purchase protection.”** This policy confirms that liability for losses related to authorized but scammed payments rests with the sender, as per Zelle’s own design principles.

6. Investigation Cooperation
In the event of a bank or Zelle fraud investigation, we fully cooperate with law enforcement and financial institutions by:
Providing proof of business legitimacy (LLC registration, EIN, and company records).
Submitting evidence of digital delivery, customer IP logs, and communications.
Documenting internal fraud-prevention measures and the contractual **assumption of risk** by the customer.
This transparency ensures that Danuta Group LLC is recognized as a verified digital education provider, committed to mitigating system-wide fraud.

7. Liability Limitation
We are not responsible for payments sent in error or through impersonators.
Payments made outside our official channels are considered unauthorized.
Danuta Group LLC assumes no responsibility for losses due to third-party scams unrelated to our verified operations.

8. Reporting Suspicious Activity
If you suspect unauthorized use of our name, brand, or payment information, please report it immediately to:
📧 admin@thedigitalowl.click
Include screenshots, transaction details, and any communication you received.

9. Governing Law
This policy and any related disputes are governed by the laws of the State of Wyoming, USA.