+48665405352
+48691966687
  • Contact

EU Helpers

  • Work
  • Employer
  • Recruiter
  • Jobseeker
  • Study
  • Relocation
Book Appointment
Quick Enquiry
Home
-
Blog
-
Croatia Work Authorization Guide for Non-EU Workers
work-in-europe

Croatia Work Authorization Guide for Non-EU Workers

croatia-work-authorization-guide-for-non-eu-workers.jpg
Megan Carter
By: Megan Carter, Author
30 Sep 2026  ·  Updated 30 Sep 2026  ·  Views 572  ·  12 min read
Share

Croatia Work Authorization Guide for Non-EU Workers

Croatia's work authorization for non-EU workers (third-country nationals) involves Stay and Work Permit as distinctive unified system combining residence and work authorization through Ministry of Interior (Ministarstvo unutarnjih poslova — MUP) via police administrations, EU Blue Card for highly qualified professionals, Digital Nomad Residence Permit distinctive route for remote workers, and various specialized routes coordinated with Croatian Employment Service (Hrvatski zavod za zapošljavanje — HZZ) for labor market considerations. This EU Helpers guide walks through Croatia work authorization for non-EU workers — international candidates can explore Croatian opportunities through EU Helpers. Croatia is EU member since 2013 (newest EU member), Schengen member since January 2023 (recent joiner), eurozone member since January 2023 (recent joiner), NATO member since 2009, and Council of Europe member since 1996.

Understanding Non-EU Worker Framework

Non-EU worker framework represents primary category for Croatia work authorization.

Consideration Non-EU Reality
Framework Croatian third-country national framework
Stay and Work Permit Distinctive Croatian unified system
EU Blue Card Highly qualified professionals
Digital Nomad Residence Permit Remote workers distinctive route
Croatian Employment Service coordination Essential labor market processing
Police administration Ministry of Interior county level
Documentation Comprehensive with Croatian translations
Apostille Required for foreign documents
Recent full EU integration Distinctive Adriatic positioning

Non-EU workers represent primary category for Croatia work authorization framework requiring comprehensive approach.

Main Non-EU Worker Authorization Routes

Croatia offers work authorization routes for non-EU workers.

Route Purpose Suited For
Stay and Work Permit Combined residence and work Standard non-EU workers
EU Blue Card Highly qualified professionals High-earning specialists
Digital Nomad Residence Permit Remote work Non-EU digital nomads
Seasonal Work Permit Seasonal employment Tourism and agriculture
Intra-Corporate Transferee Multinational transfers Multinational employees
Researcher Permit Research activities Academic researchers
Family Reunification Family basis Family members

Stay and Work Permit, EU Blue Card, and Digital Nomad Residence Permit represent primary routes for non-EU workers.

Stay and Work Permit for Non-EU Workers

Stay and Work Permit is distinctive Croatian unified system essential for non-EU workers.

Stay and Work Permit considerations for non-EU workers include:

  • Combined residence and work authorization
  • Qualifying Croatian job offer with Croatian employer
  • Employer coordination with Croatian Employment Service (HZZ) for labor market test (where applicable)
  • Annual quota system for various categories with shortage occupation exemptions
  • Employment contract meeting Croatian labor law standards
  • Comprehensive documentation
  • Application through Croatian police administration or embassy

Stay and Work Permit represents efficient Croatian framework particularly suitable for non-EU workers.

EU Blue Card for Non-EU Workers

EU Blue Card provides route for highly qualified non-EU professionals.

EU Blue Card considerations for non-EU workers include:

  • Higher education qualification (typically university degree) or equivalent professional experience
  • Qualifying Croatian job offer with salary meeting EU Blue Card threshold (higher than standard Croatian salaries)
  • Employment contract for at least one year
  • Comprehensive documentation
  • EU mobility possibilities representing distinctive advantage
  • Family members can accompany with work rights

EU Blue Card enables distinctive EU mobility advantage for non-EU workers.

Digital Nomad Residence Permit for Non-EU Workers

Digital Nomad Residence Permit is distinctive Croatian route particularly for non-EU workers (introduced 2021).

Digital Nomad considerations for non-EU workers include:

  • For non-EU nationals working remotely for foreign employer or as self-employed
  • Not permitted to work for Croatian employer or Croatian clients
  • Adequate financial resources demonstration
  • Health insurance coverage
  • Accommodation in Croatia
  • Up to 12-month validity with renewal possibilities

Digital Nomad Residence Permit represents distinctive Croatian attractive option for remote non-EU workers reflecting Croatia's Adriatic appeal.

Croatian Employment Service Coordination for Non-EU Workers

Croatian Employment Service coordination essential for non-EU worker employment authorization where applicable.

Croatian Employment Service (HZZ) coordination considerations for non-EU workers include:

  • Croatian employer coordinating with HZZ for labor market considerations where applicable
  • Labor market test assessment
  • Verification of Croatian labor market conditions
  • Assessment of whether foreign worker recruitment appropriate
  • Coordination with Ministry of Interior for Stay and Work Permit processing
  • Quota system consideration for various categories
  • Shortage occupation exemptions consideration

Croatian Employment Service coordination represents essential Croatian administrative step for non-EU workers where applicable.

Residence Permit for Non-EU Workers

Residence permit represents essential legal residence status for non-EU workers.

Residence permit considerations for non-EU workers include:

  • Stay and Work Permit combining residence and work authorization
  • Police registration at Croatian police administration
  • Comprehensive documentation
  • Biometric data collection
  • Health insurance requirement
  • Financial means demonstration
  • Accommodation demonstration

Residence permit combined with work authorization enables legal residence and work in Croatia.

Non-EU Worker Documentation

Non-EU worker documentation involves comprehensive requirements.

Essential documents for non-EU workers include:

  • Valid passport with sufficient validity
  • Employment contract meeting Croatian labor law
  • Croatian employer Stay and Work Permit application
  • Employer registration documents
  • Educational qualifications with Croatian translations by authorized court translator (ovlašteni sudski tumač) and apostille
  • Professional experience CV and reference letters
  • Health insurance valid in Croatia
  • Criminal record certificate from country of previous residence with apostille and Croatian translation
  • Biometric photographs
  • Proof of accommodation in Croatia
  • Financial resources evidence

Non-EU workers face comprehensive documentation requirements reflecting Croatian administrative framework.

Application Process for Non-EU Workers

Application process for non-EU workers involves sequential stages.

Stage 1 — Route evaluation. Non-EU applicant evaluates optimal route (Stay and Work Permit, EU Blue Card, Digital Nomad Residence Permit, or other).

Stage 2 — Job offer coordination. Non-EU applicant secures qualifying Croatian job offer (except Digital Nomad Residence Permit).

Stage 3 — Employer coordination. Croatian employer prepares Stay and Work Permit application.

Stage 4 — Croatian Employment Service processing. HZZ evaluates labor market considerations where applicable.

Stage 5 — Documentation preparation. Non-EU applicant prepares comprehensive documentation.

Stage 6 — Application submission. Application at Croatian police administration or embassy.

Stage 7 — Ministry of Interior processing. Authorities evaluate residence and work component.

Stage 8 — Stay and Work Permit issuance. Approved permit enables Croatian residence and work.

Stage 9 — Police registration. Non-EU worker registers with Croatian police.

Stage 10 — Registration and settlement. Non-EU worker completes administrative processes.

Employment Sectors for Non-EU Workers

Different Croatian sectors offer varying opportunities for non-EU workers.

Tourism sector: Distinctive Croatian Adriatic tourism (one of Europe's major tourism destinations with distinctive coast, over 1,000 islands, historic cities including UNESCO Dubrovnik UNESCO Split UNESCO Trogir UNESCO Šibenik Cathedral, distinctive coastal cities Zadar Rovinj Pula, distinctive Plitvice Lakes National Park UNESCO) providing substantial hospitality opportunities for non-EU workers.

Shipbuilding sector: Distinctive Croatian shipbuilding heritage with various shipyards including Uljanik, 3.MAJ, various providing engineering opportunities.

Food and beverage sector: Distinctive Croatian wine (Plavac Mali distinctive Dalmatian variety, Malvazija Istarska distinctive Istrian variety, Graševina distinctive Slavonian variety), distinctive Croatian olive oil particularly Istria, distinctive Croatian truffles from Istria.

IT sector: Growing Croatian tech ecosystem particularly Zagreb with various tech companies providing tech opportunities.

Pharmaceutical sector: JGL, Pliva, and various operations.

Agriculture sector: Distinctive Slavonian plains agriculture.

Manufacturing sector: Automotive components and various.

Language Considerations for Non-EU Workers

Croatian (Hrvatski) is official language using Latin script (South Slavic language distinctive Croatian character). Documentation for work visa applications requires translations into Croatian by authorized court translator (ovlašteni sudski tumač). English usage growing particularly in tourism, IT sector, and international business. Croatian language integration important for long-term Croatian residence and eventual citizenship pursuit. Learning Croatian enhances integration and career advancement for non-EU workers.

Salary Expectations for Non-EU Workers

Salary considerations for non-EU workers: Croatian salaries reflect developing economy context with competitive compensation particularly in IT sector, international business, tourism management, and specialized sectors. Zagreb typically offers highest Croatian compensation. EU Blue Card salary threshold higher than standard Croatian salaries. Combined with Croatia's moderate cost of living, overall economics reflect Croatian standards. Euro (EUR) currency since January 2023 reflects Croatia's recent eurozone joining.

Cost of Living for Non-EU Workers

Cost considerations for non-EU workers: Croatia has moderate cost of living with variation by region. Zagreb as capital has highest Croatian costs. Split (Dalmatian coast), Rijeka (Kvarner), Osijek (Slavonia — generally more affordable), Zadar, Šibenik, and various inland cities have varying costs. Coastal cities particularly Dubrovnik (UNESCO with tourism-influenced prices) generally more expensive during tourist season. Rural Croatia particularly affordable.

Cultural Considerations for Non-EU Workers

Cultural considerations for non-EU workers include distinctive Croatian character with rich cultural heritage, distinctive Croatian Catholic heritage, Croatian professional culture, appreciation of Croatian gastronomy (distinctive Croatian wine heritage — Plavac Mali Malvazija Istarska Graševina, distinctive Croatian olive oil particularly Istria, distinctive Croatian truffles from Istria, distinctive coastal seafood including Dalmatian black risotto crni rižoto, distinctive continental Croatian gastronomy), distinctive Croatian sporting heritage (football with distinctive Croatian national team success 2018 World Cup runner-up 2022 World Cup third place, various Croatian football legends Modrić Rakitić Šuker Boban, tennis with Ivanišević Čilić various, waterpolo, basketball, handball), distinctive Croatian musical heritage, distinctive Nikola Tesla heritage (born in Croatian territory Smiljan — Serbian ethnicity but born in Croatia), and various UNESCO sites.

Family Considerations for Non-EU Workers

Non-EU workers bringing family should consider family reunification requiring valid relationship documentation, adequate financial resources, adequate Croatian accommodation, health insurance coverage, and processing at appropriate authorities.

Long-term Considerations for Non-EU Workers

Long-term considerations for non-EU workers include permanent residence typically after 5 years continuous residence with work permit, Croatian citizenship by naturalization typically available after 8 years continuous residence (5 years for spouses of Croatian citizens) with Croatian language proficiency and integration requirements, and Croatia generally allowing dual citizenship for children of Croatian nationals but having restrictions for naturalized citizens (with certain exceptions). Long-term progression provides EU citizenship benefits including EU mobility.

Practical Considerations for Non-EU Workers

Practical considerations for non-EU workers include comprehensive documentation preparation with Croatian translations and apostille, housing arrangements varying by Croatian city, healthcare through Croatian Health Insurance Fund (HZZO — Hrvatski zavod za zdravstveno osiguranje), banking arrangements, OIB (Osobni identifikacijski broj) tax registration essential for various administrative processes, understanding Croatian labor market conditions, and coordination with Croatian authorities.

Travel Considerations for Non-EU Workers

Travel considerations for non-EU workers include Zagreb Airport (Franjo Tuđman) as primary international gateway, Split Airport (distinctive Dalmatian coast gateway particularly seasonal), Dubrovnik Airport (distinctive tourism gateway with seasonal international connections), Rijeka Airport (Kvarner region), Pula Airport (distinctive Istrian gateway), Zadar Airport (regional), extensive rail connections through Croatian rail network (HŽ — Hrvatske željeznice), and land borders with Slovenia Hungary Serbia Bosnia and Herzegovina Montenegro. Croatia's Schengen membership since January 2023 enables seamless travel throughout Schengen area representing distinctive advantage.

Health Insurance Considerations for Non-EU Workers

Non-EU workers require valid health insurance coverage valid in Croatia for work permit applications. Post-authorization, non-EU workers access Croatian healthcare system through Croatian Health Insurance Fund (HZZO — Hrvatski zavod za zdravstveno osiguranje) after residence permit issuance and appropriate registration.

Working with Croatian Authorities

Working with Croatian authorities for non-EU workers involves coordination with Ministry of Interior (Ministarstvo unutarnjih poslova — MUP) via police administrations (policijska uprava) at county level for Stay and Work Permit, Croatian Employment Service (Hrvatski zavod za zapošljavanje — HZZ) for labor market considerations where applicable, and Croatian embassies and consulates for visa applications. Understanding Croatian administrative framework supports successful applications.

Common Challenges for Non-EU Workers

Challenge: Croatian Employment Service coordination for labor market considerations.
Solution: Croatian employer preparation demonstrating position aligned with Croatian labor market.

Challenge: Croatian translation requirements.
Solution: Early coordination with authorized court translator (ovlašteni sudski tumač).

Challenge: Apostille arrangements for foreign documents.
Solution: Early preparation understanding country-specific procedures.

Challenge: Documentation timeline coordination.
Solution: Early comprehensive documentation preparation.

Challenge: Employer coordination.
Solution: Strong Croatian employer partnership essential.

Challenge: EU Blue Card salary threshold.
Solution: Confirming employment terms meet EU Blue Card threshold.

Challenge: Cultural adjustment.
Solution: Understanding distinctive Croatian culture with Adriatic heritage.

Final Guidance

Croatia work authorization guide for non-EU workers covers distinctive Croatian third-country national framework with Stay and Work Permit as distinctive unified system combining residence and work authorization through Ministry of Interior via police administrations, EU Blue Card for highly qualified professionals with distinctive EU mobility advantage, Digital Nomad Residence Permit distinctive Croatian route for remote workers (introduced 2021), and various specialized routes coordinated with Croatian Employment Service (Hrvatski zavod za zapošljavanje — HZZ). Non-EU workers face comprehensive documentation requirements including Croatian translations by authorized court translator (ovlašteni sudski tumač) and apostille certification for foreign documents. Application process involves ten sequential stages from route evaluation through registration and settlement. Employment sectors include distinctive tourism (Croatian Adriatic tourism with distinctive coast over 1,000 islands UNESCO sites), shipbuilding (distinctive Croatian heritage), food and beverage (distinctive Croatian wine olive oil truffles), growing IT sector (distinctive Zagreb ecosystem), pharmaceuticals (JGL Pliva various), agriculture (distinctive Slavonian plains), and manufacturing. Croatia's distinctive positioning as EU member since 2013 (newest EU member) Schengen member since January 2023 eurozone member since January 2023 (recent joiner completing full EU integration) NATO member since 2009 Council of Europe member since 1996 combined with distinctive Adriatic geography over 1,000 islands rich cultural heritage (distinctive Croatian Catholic heritage Croatian gastronomy Croatian wine olive oil truffles Croatian sporting heritage) and various UNESCO sites (Old City of Dubrovnik Historical Complex of Split with Palace of Diocletian Episcopal Complex of the Euphrasian Basilica in Poreč Old Town of Trogir Cathedral of St James in Šibenik Stari Grad Plain Plitvice Lakes National Park various) makes Croatia distinctive Adriatic destination for non-EU workers. Non-EU workers can explore Croatian opportunities through EU Helpers. EU Helpers supports non-EU workers with Croatia work authorization guidance including Stay and Work Permit coordination, EU Blue Card coordination, Digital Nomad Residence Permit coordination, Croatian Employment Service coordination, police administration coordination at county level, documentation preparation with Croatian translations and apostille, cultural context guidance for distinctive Croatian character, and clarity on the latest official requirements from Croatian immigration authorities.

FAQs

What is Croatia's work authorization for non-EU workers?

Croatia's work authorization for non-EU workers (third-country nationals) involves Stay and Work Permit as distinctive unified system combining residence and work authorization through Ministry of Interior via police administrations, EU Blue Card for highly qualified professionals, Digital Nomad Residence Permit distinctive route for remote workers, and various specialized routes coordinated with Croatian Employment Service (HZZ) for labor market considerations. Non-EU workers face comprehensive documentation requirements with Croatian translations by authorized court translator (ovlašteni sudski tumač) and apostille certification.

Is Croatia in the EU, Schengen, eurozone, and NATO?

Croatia is EU member since 2013 (newest EU member), Schengen member since January 2023 (recent joiner completing EU integration), eurozone member since January 2023 (recent joiner completing monetary integration with Euro — EUR currency), NATO member since 2009, and Council of Europe member since 1996. Croatia's positioning combines recent full EU integration with distinctive Adriatic character. Recent joining Schengen and eurozone simultaneously in January 2023 represents distinctive milestone.

What is Croatia's Stay and Work Permit for non-EU workers?

Croatia's Stay and Work Permit (dozvola za boravak i rad) for non-EU workers is distinctive Croatian unified system combining residence and work authorization into single procedure. Stay and Work Permit requirements include qualifying Croatian job offer, employer coordination with Croatian Employment Service (HZZ) for labor market considerations where applicable, employment contract meeting Croatian labor law standards, comprehensive documentation, and application at police administration or Croatian embassy. Stay and Work Permit represents efficient Croatian framework for non-EU worker authorization.

What is Croatia's EU Blue Card for non-EU workers?

Croatia's EU Blue Card for non-EU workers provides route for highly qualified professionals with higher education qualification (typically university degree) or equivalent professional experience, qualifying Croatian job offer with salary meeting EU Blue Card threshold (higher than standard Croatian salaries), employment contract for at least one year, comprehensive documentation, EU mobility possibilities representing distinctive advantage, and family members ability to accompany with work rights. EU Blue Card enables validity per employment contract with renewal possibilities offering distinctive EU mobility advantage for non-EU workers.

What is Croatia's Digital Nomad Residence Permit for non-EU workers?

Croatia's Digital Nomad Residence Permit for non-EU workers is distinctive Croatian route (introduced 2021) particularly attractive for remote workers. Requirements include being non-EU national working remotely for foreign employer or as self-employed, not being permitted to work for Croatian employer or Croatian clients, adequate financial resources demonstration, health insurance coverage, accommodation in Croatia, and up to 12-month validity with renewal possibilities. Digital Nomad Residence Permit represents distinctive Croatian attractive option for remote non-EU workers reflecting Croatia's Adriatic appeal.

What is Croatia's Croatian Employment Service coordination for non-EU workers?

Croatia's Croatian Employment Service (Hrvatski zavod za zapošljavanje — HZZ) coordination for non-EU workers involves handling labor market considerations. HZZ coordination includes Croatian employer coordinating with HZZ for labor market considerations where applicable, labor market test assessment, verification of Croatian labor market conditions, assessment of whether foreign worker recruitment appropriate, coordination with Ministry of Interior for Stay and Work Permit processing, quota system consideration for various categories, and shortage occupation exemptions consideration.

What documentation do non-EU workers need for Croatia?

Non-EU workers need comprehensive Croatia work authorization documentation including valid passport with sufficient validity, employment contract meeting Croatian labor law, Croatian employer Stay and Work Permit application, employer registration documents, educational qualifications with Croatian translations by authorized court translator (ovlašteni sudski tumač) and apostille certification, professional experience CV and reference letters, health insurance coverage valid in Croatia, criminal record certificate with apostille, biometric photographs, and proof of accommodation in Croatia.

What is Croatia's language requirement for non-EU workers?

Croatia's language requirement for non-EU workers centers on Croatian (Hrvatski) as official language using Latin script (South Slavic language distinctive Croatian character). Documentation for work visa applications requires translations into Croatian by authorized court translator (ovlašteni sudski tumač). English usage growing particularly in tourism, IT sector, and international business. Croatian language integration important for long-term Croatian residence and eventual citizenship pursuit. Learning Croatian enhances integration and career advancement significantly.

What sectors have opportunities for non-EU workers in Croatia?

Croatia's sectors with opportunities for non-EU workers include distinctive tourism (Croatian Adriatic tourism with distinctive coast over 1,000 islands UNESCO Dubrovnik UNESCO Split UNESCO Trogir UNESCO Šibenik various coastal cities Zadar Rovinj Pula distinctive Plitvice Lakes National Park UNESCO), shipbuilding (distinctive Croatian shipbuilding heritage with Uljanik 3.MAJ various shipyards), food and beverage (distinctive Croatian wine Plavac Mali Malvazija Istarska Graševina, distinctive Croatian olive oil, distinctive Croatian truffles from Istria), IT sector (growing Croatian tech ecosystem particularly Zagreb), pharmaceuticals (JGL Pliva various), agriculture (distinctive Slavonian plains), and manufacturing.

How can EU Helpers help non-EU workers with Croatia work authorization?

EU Helpers supports non-EU workers with Croatia work authorization guidance including Stay and Work Permit evaluation as distinctive Croatian unified system, EU Blue Card evaluation with distinctive EU mobility advantage, Digital Nomad Residence Permit evaluation as distinctive Croatian route for remote workers, Seasonal Work Permit evaluation, Family Reunification evaluation, documentation preparation with Croatian translations by authorized court translator (ovlašteni sudski tumač) and apostille arrangements, Croatian employer coordination, Croatian Employment Service (HZZ) coordination for labor market considerations, Ministry of Interior police administration coordination at county level, Croatian embassy or consulate coordination, cultural context guidance for distinctive Croatian Adriatic character, and clarity on the latest official requirements from Croatian immigration authorities.

Still have questions? Get in touch

support@euhelpers.com
+48665405352 | +48691966687
Equator II, al. Jerozolimskie 96, Warszawa, Poland KRS: 0001077333 NIP: 7011180860
Apply now
Category: work-in-europe
Tags: #europe #croatia

Ready to work in Croatia?

EU Helpers guides non-EU workers through Croatia's work authorization. From Stay and Work Permit to residence permit, we make your Croatian move seamless with distinctive Adriatic EU member positioning and recent Schengen eurozone integration.

Talk to our team Or send us a message

You might also read

work-in-europe

Cyprus Work Authorization Guide for Non-EU Workers

Sep 2026 · 12 min read
work-in-europe

Bulgaria Work Authorization Guide for Non-EU Workers

Sep 2026 · 11 min read
work-in-europe

Bosnia and Herzegovina Work Authorization Guide for Non-EU Workers

Sep 2026 · 11 min read
work-in-europe

Belgium Work Authorization Guide for Non-EU Workers

Sep 2026 · 11 min read

Enquire now

Free consultation on hiring workers for Norway

Recent Posts

  • Denmark Work Permit Visa Fees Jun 13, 2025
  • How to Get a Portuguese Work Visa? May 26, 2025
  • Top 10 In-Demand Jobs in Serbia May 22, 2025
  • How to Find English-Speaking Jobs in Paris? May 23, 2025
  • Why the Netherlands is Great for International Job Seekers May 23, 2025
  • Work Permit Process in Poland May 26, 2025

Trending Articles

  • 01
    Netherlands Work Visa Process Made Simple 1.8k views
  • 02
    Slovakia Work Visa Process Made Simple 1.7k views
  • 03
    Croatia Work Permit Process Step-by-Step for Non-EU Applicants 1.2k views
  • 04
    Austria Work Visa and Work Permit Requirements for Foreign Workers 1.1k views
  • 05
    Latvia Jobs Guide for Overseas Applicants 1.1k views

Tags

Hungary Poland Czech Republic Russia Ukraine Finland Netherlands Czechia Germany Estonia Albania Bulgaria Denmark Spain Slovenia Lativa Italy France Andorra Croatia

Our Services

  • Job Seekers
  • Study Abroad
  • Relocation
  • Internship

Success & Trust

  • Client Reviews
  • Visa Approvals
  • Abroad Job Videos
  • Approved Work permit
  • Frequently Asked Questions

Resources

  • Blog
  • Europe Jobs
  • Jobs by Country
  • Immigration News

Partner with Us

  • Recruiter
  • Employers
  • Institutions

EU Helpers

  • About Us
  • Contact Us
  • Careers
  • Trademark Certificate
EU Helpers
Equator II, al. Jerozolimskie 96,
Warszawa, Poland
KRS: 0001077333
NIP: 7011180860
Get the latest European
opportunities delivered
straight to your inbox.
I confirm that I have read EU Helpers' Privacy Policy and agree with it.
© Copyright 2007–2026. EU Helpers Group sp. z o o. All rights reserved.
Disclaimer | Terms | Privacy Policy | Refund Policy | Anti-Fraud Policy