AML and Anti-Fraud Policy

Girlfriendly AI is committed to preventing money laundering, terrorist financing, payment fraud, and other financial crime on its platform. This policy describes the controls we apply to payments and to Hearts, our on-platform credit.

Payment screening

All purchases on Girlfriendly AI are card payments processed through our payment provider, which applies its own know-your-customer (KYC), sanctions, and fraud-screening controls to every transaction. Girlfriendly AI does not accept cash, wire transfers, or anonymous payment instruments.

Transaction monitoring

We monitor purchase activity for patterns inconsistent with ordinary consumer use of the service, including:

• unusually large, rapid, or repetitive purchases
• purchases from many cards on one account, or one card across many accounts
• activity inconsistent with the account's history, location, or device signals
• purchase-and-dispute cycles and other chargeback-abuse patterns
• attempts to use the platform to test, validate, or launder stolen card credentials

Hearts are not money

Hearts exist solely to pay for features inside Girlfriendly AI, and the platform is designed so that they cannot function as a store of value or a transfer mechanism:

• Hearts are non-redeemable — they can never be converted back into cash or any cash equivalent
• Hearts are non-transferable between accounts and cannot be sold, gifted, or traded
• Girlfriendly AI offers no crypto-to-fiat conversion, payouts, withdrawals, or peer-to-peer payments of any kind
• Hearts have no value outside the platform and expire with the account

Refusal and reporting of suspicious transactions

We may decline, hold, or reverse any transaction, and suspend or terminate any account, that we reasonably suspect is connected to money laundering, fraud, sanctions evasion, or other financial crime. Where required or permitted by law, suspicious activity is reported to our payment provider and to the appropriate financial-crime or law-enforcement authorities, and relevant records are preserved.

Sanctions compliance

Girlfriendly AI does not knowingly provide services to persons or entities subject to applicable sanctions, or to users in comprehensively sanctioned jurisdictions. Accounts and transactions associated with sanctioned parties are blocked and reported as required by law.

Law enforcement cooperation

We cooperate with valid legal process, regulatory inquiries, and emergency law-enforcement requests concerning financial crime, and we preserve transaction and account records where legally required.

Reporting concerns

To report suspected fraud, an unauthorized charge, or suspicious financial activity, email [email protected] with the subject line Fraud Report. Billing disputes and refund requests are handled under our Refund Policy; broader concerns may be raised under our Complaints Policy. Your use of the service remains subject to our Terms of Service.