While using Data Zoo IDU Web Portal or IDU API services, you may have noticed both safeHarbour and safeHarbourScore being returned.
What is Safe Harbour/Safe Harbour Compliance?
Identity verification is said to have Safe Harbour if the identity has been validated against the Primary Search AND has cleared a Watchlist check.
You will be able to tell if Safe Harbour has been met or not by using both the web portal and the API.
At the top of each Results page, you will see a section called Safe Harbour.
Within this section, you will either see the message "X", indicating Safe Harbour is False. Or "✓", indicating that Safe Harbour is True. The following is an example of a search result in which SafeHarbour is false.
The following is a JSON response example. As you can see on Line 7, the safeHarbour parameter is returned with a 'false' value which indicates that Safe Harbour has not been achieved.
Conditions needed to achieve Safe Harbour:
1- When performing a search, a minimum of 2 data sources must be used to create what is known as Composite Query.
2- Besides the primary search, the identity must clear the Watchlist check.
3- The Safe Harbour scores of the data sources used should fall in one of the four combinations mentioned in the table below.
The table below shows what are the possible combinations of the individual scores of the two data sources in order to set the safeHarbour flag to true.
Safe Harbour Scoring
Safe Harbour Scoring helps you better understand what elements of your identity verification have been matched, and which have not. The check and cross in the tables below denote whether a match on that field was made or not.
If you are a client using our Enhanced Safe Harbour scoring, your ruleset will behave as follows: