Terms of Service

1. Agreement to these terms

These Terms of Service ("Terms") constitute a binding legal agreement between you and Trustners("Trustners," "we," "us," or "our") governing your access to and use of our website, applications, APIs, escrow services, and related products (collectively, the "Services").

By creating an account, initiating or joining a transaction, integrating with our APIs, or otherwise using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, you must not use the Services.

If you use the Services on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms, and "you" refers to that entity.

2. Description of services

Trustners provides institutional escrow, payment protection, identity verification, dispute support, and related fintech infrastructure for consumers, businesses, and platform partners. The Services may include:

• Creating, funding, managing, and closing escrow transactions
• Holding client funds in segregated accounts through licensed financial partners
• Verifying parties and monitoring transactions for fraud and compliance risk
• Facilitating release, refund, milestone, or split disbursements under agreed terms
• Supporting inspection periods, evidence submission, and dispute workflows
• Providing APIs, webhooks, and business tools for integrated platform use

Trustners is not a bank, lender, law firm, or investment adviser. We do not provide legal, tax, or financial advice. The Services facilitate escrow and payment protection as described in each transaction record and applicable product documentation.

3. Eligibility and accounts

3.1 Eligibility

You must be at least 18 years old and legally capable of entering binding contracts to use the Services. You may not use the Services if you are prohibited by law, sanctions, or regulatory restriction from doing so.

3.2 Account registration

You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account.

3.3 Verification

We may require identity verification, beneficial ownership information, source of funds documentation, and other due diligence before permitting account use, transaction funding, or disbursement. Failure to complete required verification may result in suspension, cancellation, or rejection of a transaction.

3.4 Business and platform accounts

Business customers are responsible for managing authorized users, permissions, and internal controls within their organization. Platform customers remain responsible for end-user communications, disclosures, and compliance obligations applicable to their product.

4. Acceptable use

You agree not to:

• Use the Services for unlawful, fraudulent, deceptive, or abusive purposes
• Initiate or participate in transactions involving illegal goods, services, or prohibited categories as defined by Trustners policy
• Circumvent verification, monitoring, limits, or security controls
• Impersonate another person or misrepresent your authority or affiliation
• Interfere with or disrupt the integrity, security, or performance of the Services
• Reverse engineer, scrape, or access the Services except through documented APIs and interfaces
• Use the Services to launder money, evade sanctions, or violate AML laws
• Upload malware, submit false evidence, or manipulate transaction records

We may investigate suspected violations and cooperate with law enforcement or regulators as required by law.

5. Escrow transactions

5.1 Transaction agreements

Each escrow transaction is governed by the terms agreed between buyer, seller, and any other authorized parties within the transaction workflow, together with these Terms and applicable Trustners policies. You are responsible for reviewing and accepting transaction terms before funding or fulfilling your obligations.

5.2 No guarantee of counterparty performance

Trustners holds funds according to agreed release conditions but does not guarantee the quality, legality, authenticity, or fitness of goods, services, domains, vehicles, or other assets involved in a deal. Parties remain responsible for their own due diligence.

5.3 Transaction records

Communications, funding events, delivery evidence, inspection actions, disputes, and release decisions may be logged in the transaction record. Trustners may rely on platform records, verification data, and submitted evidence when administering a transaction.

5.4 Cancellations and non-performance

If a transaction is cancelled before funding, or if a party fails to perform as required, funds will be handled according to the transaction terms and applicable policy. Trustners is not liable for losses arising from a party's failure to ship, deliver, inspect, or accept within agreed timelines.

6. Funding, fees, and payments

6.1 Funding methods

Available funding and payout methods depend on transaction type, amount, jurisdiction, and account status. Details are shown during transaction setup and in our Payment Options materials.

6.2 Fees

Trustners charges fees for use of the Services as disclosed at registration, within the transaction workflow, or on our Pricing page. Fees may be paid by buyer, seller, or split as agreed. You authorize Trustners and its payment partners to collect applicable fees from funded amounts or linked payment methods.

6.3 Taxes

You are responsible for determining and paying any taxes associated with your transactions, except where Trustners is legally required to collect and remit taxes.

6.4 Payment partners

Payment processing, banking, and card services may be provided by third-party financial institutions. Their terms may apply to certain payment actions. Trustners does not store full payment card numbers on its servers.

7. Fund holding and release

Client funds are held in segregated escrow accounts through licensed financial institution partners until release conditions defined in the transaction are satisfied. Release may occur upon buyer acceptance, expiration of an inspection period without dispute, milestone completion, operational approval, dispute resolution, or other configured trigger.

Trustners may delay, restrict, or refuse release where required by law, verification status, fraud concerns, sanctions screening, incomplete documentation, or an open dispute. You acknowledge that release timing may depend on factors outside Trustners's direct control, including bank processing windows and compliance review.

8. Inspection periods and disputes

8.1 Inspection

Where an inspection period applies, buyers may accept or reject delivery within the agreed window. Rejection must be supported by evidence consistent with the transaction terms. Failure to act within the inspection period may result in automatic acceptance or release as configured in the deal.

8.2 Disputes

Either party may open a dispute during an eligible period if performance does not match agreed terms. Parties must submit relevant evidence through the platform. Trustners will review disputes against the transaction record, verification data, delivery proof, and communications. Our decision is based on the agreed terms and platform policies, not on informal negotiations outside the system.

For more information, see our Dispute Resolution page.

9. Compliance, AML, and sanctions

Trustners maintains anti-money laundering, know-your-customer, fraud prevention, and sanctions screening programs appropriate to its services. You agree to cooperate with information requests and to provide accurate documentation when required.

We may block, freeze, report, or terminate activity that we reasonably believe violates applicable law, presents unacceptable risk, or conflicts with regulatory obligations. You are solely responsible for ensuring your use of the Services complies with laws in your jurisdiction.

10. API and platform customers

If you access the Services through APIs, dashboards, or integrated platform offerings, additional technical documentation, rate limits, and commercial terms may apply. You agree to:

• Use API credentials securely and only for authorized purposes
• Provide required notices and disclosures to your end users
• Not misrepresent Trustners's role or imply regulatory status we do not hold
• Maintain records and cooperate with audits or incident reviews as contractually required

Trustners may modify API endpoints, deprecate features, or suspend integrations that create security, legal, or operational risk.

11. Intellectual property

The Services, including software, branding, documentation, and content made available by Trustners, are protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or create derivative works from the Services.

You retain ownership of content you submit, but grant Trustners a license to use, store, process, and display that content as necessary to operate the Services, comply with law, and resolve disputes.

12. Confidentiality

Non-public information about Trustners systems, pricing, roadmaps, or security practices made available to you must be kept confidential and used only for permitted purposes. Transaction details should be shared only with authorized counterparties and representatives.

13. Security

You are responsible for securing your devices, credentials, and internal access controls. Notify us promptly at support@escrowbolt.com if you suspect unauthorized access. See our Security page for an overview of our safeguards.

14. Third-party services

The Services may link to or integrate with third-party carriers, payment providers, identity vendors, domain registrars, and other partners. Trustners is not responsible for third-party products, delivery performance, or independent contractual obligations between you and those providers.

15. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS TO THE MAXIMUM EXTENT PERMITTED BY LAW. ESCROWBOLT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

WITHOUT LIMITING THE FOREGOING, ESCROWBOLT DOES NOT WARRANT THAT TRANSACTION OUTCOMES WILL MEET YOUR EXPECTATIONS, THAT COUNTERPARTIES WILL PERFORM, OR THAT RELEASE WILL OCCUR BY A SPECIFIC TIME IF EXTERNAL BANKING, VERIFICATION, OR LEGAL REVIEW IS REQUIRED.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ESCROWBOLT AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ESCROWBOLT'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES PAID BY YOU TO ESCROWBOLT FOR THE TRANSACTION GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS BEFORE THE EVENT OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

17. Indemnification

You agree to defend, indemnify, and hold harmless Trustners and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Services
• Your transaction activity or content you submit
• Your violation of these Terms or applicable law
• Your infringement of third-party rights
• Disputes between you and another user, except to the extent caused by Trustners's gross negligence or willful misconduct

18. Suspension and termination

We may suspend or terminate your access to the Services, decline to process a transaction, or restrict release if we reasonably believe you violated these Terms, present fraud or compliance risk, or if required by law or a financial partner.

You may close your account subject to completion or proper handling of open transactions, disputes, and legal retention obligations. Provisions that by their nature should survive termination will survive, including payment obligations, dispute records, disclaimers, limitations of liability, and indemnification.

19. Governing law and disputes

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles, except where mandatory local law requires otherwise.

Except where prohibited by law, any dispute arising out of or relating to these Terms or the Services that cannot be resolved informally will be resolved through binding arbitration on an individual basis, rather than in court, except that either party may seek injunctive relief in court for misuse of intellectual property or unauthorized access.

TO THE EXTENT PERMITTED BY LAW, YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS ARBITRATION AGAINST ESCROWBOLT.

20. Changes to these terms

We may update these Terms from time to time. We will post the revised Terms on this page and update the "Last updated" date. Material changes may be notified by email or through the Services. Continued use after the effective date constitutes acceptance of the revised Terms, except where applicable law requires explicit consent.

21. General provisions

• Entire agreement: These Terms, transaction records, and referenced policies constitute the entire agreement regarding use of the Services, except for separate written commercial agreements signed by Trustners.
• Assignment: You may not assign these Terms without our consent. Trustners may assign these Terms in connection with a merger, acquisition, or sale of assets.
• Severability: If any provision is unenforceable, the remaining provisions remain in effect.
• No waiver: Failure to enforce a provision is not a waiver of future enforcement.
• Force majeure: Trustners is not liable for delays or failures caused by events beyond reasonable control, including banking outages, natural disasters, war, labor disputes, or government action.

22. Contact

For questions about these Terms, contact:

• Email: support@escrowbolt.com
• Phone: +1-415-801-2270
• Address: San Francisco, California, United States

You may also reach us through our Contact page.