Identification & Credit Card Verification
To protect your data from third party breach, Chumaround does not collect or store the government ID’s or the credit card information of our members. In fact, all transaction between a guest and host are processed by third party payment processor Stripe or directly between the guest and the host at the time of their meeting.
Here’s how it works
When you create a guest or host account on Chumaround, you are asked to set up your account using only your first name, last name, and email address.
We use your email address to send communication alerts from members of the Chumaround platform. It’s extremely important that you register with and then activate your official email address so that you never miss a potential connection with another guest or host.
To protect your privacy, ONLY your first name will be publicly viewable on your profile and booking pages.
Your last name is never disclosed until after AFTER a guest and host have agreed to an appointment and or the guest and host have mutually agreed to exchange their information. Your last name is only accessible and used by Chumaround admin to communicate with the account holder if any issues should arise.
ID Verification for Guests
On Chumaround, before a guest can book a host, they must obtain a Chumaround membership. To obtain a Chumaround membership, we use the third party payment processor Stripe to process all credit card payments.
As you know, anyone holding a major credit or debit card needs to go through a detailed ID verification process. Stripe processes payments from 195 countries for every industry, company size, and business model. Even if a card is new to Chumaround, there’s an 89% chance it’s been seen before on the Stripe network. We are confident the ID verification processes used by financial institutions are sufficient to confirm the ID of all guests using the Chumaround platform.
ID Verification for Hosts
At Chumaround, we’re always working on making our community as secure as possible for everyone. While Chumaround does not require hosts or guest to submit an ID, we may review your account at anytime and ask for a government ID. This may happen for a couple of reasons. For example, some hosts require their guests to provide a government ID in order to book their place or experience. There are also times when we’ll ask for an ID to help us confirm you’re really you. But whatever the reason, your ID will never be shared with a host or anyone else who uses Chumaround.
How does it work when Chumaround asks for an ID?
At Chumaround, we’re always working on making our community as secure as possible for everyone. That’s why we may review your account at anytime and ask for a government ID.
How it works
When you’re asked for an ID, you’ll need to add a photo of a government ID (driver’s license, passport, visa, etc.). Additionally, you may be asked to take a brand-new photo of yourself. This is different from your profile photo, which you may also be asked to provide.
If you’re asked to take a photo of yourself, it needs to match your photo on your ID, and your ID must appear to be valid. If your photos don’t match, you’re under 18, or your ID doesn’t appear to be valid, you won’t be able to book the listing requiring an ID. If you’re under 18, all current reservations will also be cancelled.
Completing this process isn’t an endorsement of any host or guest, a guarantee of someone’s identity, or an assurance that interacting with them will be safe. Always use your own best judgment, and follow our safety tips for guests and hosts.
When you’ll be asked for an ID
This may happen for a couple of reasons. For example, some hosts require their guests to provide a government ID in order to book their place or experience.
There are also times when we’ll ask for an ID to help us confirm you’re really you.
But whatever the reason, your ID will never be shared with a host or anyone else who uses Chumaround.
Types of ID
Depending on your location and what country you’re from, you may be asked to send one of the following types of government ID:
- Driver’s license
- National identity card
It needs to be an official government-issued ID—not an ID for a school, library, gym, etc.—that also includes a photo of you.
If you add a driver’s license, you’ll be asked for two photos: one of the front and one of the back.
If you add a passport, make sure the photo includes the numbers located at the bottom of the page with your picture.
What gets shared with your host
If you’re asked for a government ID, the following may be shared with your host:
- The first name on your ID
- Whether your ID has been successfully received
- Your profile photo and profile name
The following will never be shared with your host or anyone else who uses Chumaround.
- The photo of your ID
- The photo you take of yourself (if you’re asked to do that)
- Your age or home address
Other ways ID info may be used
When you and other guests and hosts provide a government ID it builds trust in the Chumaround community. It also helps us keep Chumaround secure, fight fraud, and more. There are a few ways that information from an ID may be used to do this.
First, here at Chumaround, we may use the information from an ID to better protect all guests and hosts. An ID helps us to check that everyone is who they say they are—and we can therefore do an even better job of keeping fraudulent users away from Chumaround. We can also keep accounts more secure and better determine that everyone who uses Chumaround is over 18 years old.
Additionally, where permitted by applicable law, we may provide information from an ID, such as a full name, address, and date of birth, to our service providers to run background checks against public records for criminal convictions and sex offender registrations. For now, these checks are limited to users in the United States. While we believe these checks help us deter fraud and misuse of our services, they don’t guarantee that interactions with people who book through Chumaround will be safe or problem-free.
Also, where permitted by applicable law, we may provide certain information from an ID to banks and other financial institutions (which helps them enforce various tax, anti-money laundering, and sanctions laws), as well as to law enforcement agencies (who may be conducting investigations requiring Chumaround’s involvement).
Our goal is to work closely with these organizations and comply with our legal obligations, while also ensuring the respect, privacy, and security of everyone who uses Chumaround.
About photo matching
If you’re asked to take a photo of yourself, we’ll also match this photo with the picture in the government ID you already provided. This helps us make sure you’re really you.
Photo matching may provide some useful info, but no facial matching process is always completely accurate. The effectiveness of a comparison of facial features can vary greatly based on the skill and judgment of the reviewer, the quality and resolution of the photos, and whether there are significant changes in a person’s appearance between the two photos (for example, change in age, change in weight, different outfit).
As a result, this process may sometimes “match” photos that are not in fact of the same person, or fail to match photos that are of the same person. Fraudulent users may circumvent even the most sophisticated and diligent efforts to match photos submitted for comparison.
We don’t make any guarantee or representation about the accuracy or effectiveness of photo matching results. You shouldn’t rely on completion of the photo matching process as a guarantee of someone’s identity, or a guarantee that they’re someone you can safely interact with.