Trust & safety at Chema
Every page on Chema goes through a verification process before funds can be collected. Here is exactly how we keep contributors and families safe.
24 hrs
ID verification turnaround
2 of 2
Co-signer approvals required
4 hrs
Fraud report response time
100%
Expense transparency
Organizer identity verification
Every organizer must verify their identity before a page goes live. We accept a Zimbabwean National ID, passport, or driver's licence. Documents are reviewed within 24 hours. Pages remain in draft until verification is complete.
How it works
- 1Upload a clear photo of your national ID or passport
- 2Our team reviews the document within 24 hours
- 3Your name and ID number are matched against the page details
- 4Verified pages display a blue shield badge visible to all contributors
Death certificate or co-signer vouching
We require proof that a bereavement has occurred. Organisers can upload an official death certificate, or provide two co-signers — trusted community members who confirm the loss by entering their mobile number and national ID.
How it works
- 1Option A: Upload a certified death certificate (PDF or photo)
- 2Option B: Two co-signers each confirm via SMS with their national ID
- 3Co-signers receive a one-time code to verify their identity
- 4Both paths are reviewed before the page is activated
Co-signer approval for fund release
No funds above USD 200 are released without approval from at least two co-signers. Co-signers are nominated by the organiser and must be independent of the organiser. They receive an SMS for every disbursement request and can approve or flag it.
How it works
- 1Organiser submits a disbursement request with purpose and amount
- 2Both co-signers receive an SMS with the request details
- 3Each co-signer approves or raises a concern via SMS reply
- 4Funds are released only when both co-signers have approved
Transparent expense tracking
Organisers are required to log every expense on the page. Contributors can see exactly how funds are being used — from funeral home fees to catering and transport. Receipts can be attached to each expense entry.
How it works
- 1Organiser logs each expense with vendor, amount, and date
- 2Receipts are optionally attached and visible to contributors
- 3Paid, partial, and pending statuses are shown in real time
- 4The full expense ledger is public on the bereavement page
Fraud reporting & moderation
Any visitor can report a page they believe is fraudulent. Reports are reviewed by our moderation team within 4 hours. Pages under active investigation are flagged and contributions are paused until the review is complete.
How it works
- 1Click 'Report this page' on any bereavement page
- 2Describe your concern — we accept anonymous reports
- 3Our team reviews within 4 hours and contacts the organiser
- 4If fraud is confirmed, the page is suspended and contributors are notified
Frequently asked questions
Something look wrong?
If you believe a page is fraudulent or misrepresenting a bereavement, please report it. You can report anonymously.
Report a pageWhat the verified badge means
A blue shield on a bereavement page means the organiser's identity has been verified, a death certificate or two co-signers have confirmed the bereavement, and the page is actively monitored by the Chemayangu team.