Terms of Service
Acceptance of terms
These Terms of Service (“Terms”) form a binding agreement between you and zScrow, Inc. (“zScrow”, “we”, “us”, “our”). They apply whenever you access or use the zScrow website, dashboard, API, or any related service (the “Service”).
By using the Service you confirm that you have read, understood, and accepted these Terms and our Privacy Policy. If you are using the Service on behalf of a company, you represent that you have authority to bind that company to these Terms.
Description of service
zScrow provides a third-party escrow platform that lets two counterparties agree on the terms of a digital-asset deal, lock the buyer’s funds in a regulated, segregated partner account, and release those funds when both sides confirm that the asset has been transferred.
zScrow is a technology and operations platform. We are not a bank, and we do not loan, invest, or otherwise use customer funds while they are held in escrow. Funds are kept with our regulated banking and payment partners under the conditions described in section 6.
Eligibility & accounts
To create an account you must be at least 18 years old, have full legal capacity in your jurisdiction, and not be located in a country, region, or sanctions list where we are prohibited from offering the Service.
Account information
You must provide accurate, current, and complete information at registration and keep it up to date. You are responsible for safeguarding your credentials and for any activity that occurs under your account.
Identity verification (KYC/AML)
Before any funds release, both counterparties must complete identity verification. We may collect a government-issued ID, proof of address, beneficial-ownership information for businesses, and additional documentation required by law. We may delay, suspend, or refuse a deal if verification is incomplete or if a counterparty appears on a sanctions list.
Your conduct
You agree not to use the Service to facilitate any deal that:
- Violates applicable law, including anti-money-laundering, sanctions, or consumer-protection rules;
- Involves stolen accounts, infringing content, illicit goods, or anything you do not have the right to sell;
- Is fraudulent, misleading, or designed to circumvent platform policies;
- Involves regulated activities (firearms, controlled substances, securities, gambling) without the appropriate licenses;
- Targets minors or otherwise exploits vulnerable parties.
You also agree not to interfere with the Service’s operation, attempt to access another user’s account, or scrape, reverse-engineer, or resell the Service without our written permission.
The deal lifecycle
A typical zScrow deal moves through three checkpoints: terms agreed, buyer funds escrow, and asset transferred & release approved. Both parties must sign off before funds release.
Terms
The buyer and seller are solely responsible for agreeing on price, deliverables, timelines, and any side conditions. zScrow does not warrant or verify the underlying asset; our role is to hold funds and enforce the release rules you both agree to.
Cancellation
Either party may cancel a deal before funding. After funding, cancellation requires either mutual agreement or the conclusion of a dispute (see section 8).
Funds & escrow
Funds deposited into a zScrow deal are held by our regulated banking and payment partners in segregated client-money accounts. They are not co-mingled with zScrow’s operating capital, and zScrow does not earn interest on the float beyond what is disclosed at deal creation.
You acknowledge that fiat-currency deposits are subject to standard banking-clearance times and that stablecoin deposits are subject to network confirmations. We may temporarily delay a release where required by law, by our partners’ risk policies, or where we reasonably suspect fraud.
Fees & payment
Our standard fee is 5% of the deal amount on closed deals under $10,000. Deals of $10,000 or more use custom pricing negotiated separately. Current pricing is published at zscrow.com/pricing.
Fees are charged only when funds release. Disputed and cancelled deals do not incur a fee. Card-network processing costs may be passed through at cost. Unless agreed otherwise, the fee is collected from the released amount before disbursement to the seller.
Disputes & release
If you and your counterparty cannot agree on whether the deal’s release conditions are met, either side may open a dispute from the deal page. Our review team will examine the agreed terms, signed checkpoints, asset-transfer evidence, and communications stored in the deal log, and will issue a decision normally within 48 hours.
By using the Service you agree that the outcome of our dispute review is binding for the purposes of releasing or returning the escrowed funds. This does not waive any rights you may have outside the platform under applicable law.
Disclaimers & liability
The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, zScrow disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.
To the extent permitted by law, zScrow’s aggregate liability arising out of or relating to your use of the Service is limited to the greater of (a) the fees you have paid to zScrow in the six months preceding the event, or (b) the disputed deal amount, capped at USD 50,000. zScrow is not liable for indirect, incidental, special, or consequential damages, including lost profits or lost data.
Termination
You may close your account at any time, provided no deals are open. We may suspend or terminate your access if you breach these Terms, if your activity creates legal or regulatory risk for us, or if we are required to do so by our banking partners or by law. Where reasonable and lawful, we will give you advance notice and an opportunity to cure.
Changes to these terms
We may update these Terms from time to time. Material changes will be communicated by email or in-product notice at least 14 days before they take effect. Your continued use of the Service after the effective date means you accept the updated Terms.
Governing law
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules. Any dispute that is not resolved through our dispute-review process will be brought exclusively in the state or federal courts located in Wilmington, Delaware, except where applicable consumer-protection law requires otherwise.
Contact
Questions about these Terms can be sent to [email protected], or via the contact page. For disputes about a specific deal, please use the dispute button inside the deal page so the relevant context is attached automatically.