Fund Protection Policy

EscrowAfrica Fund Protection Policy

Effective Date: July 7, 2026

Your Money. Protected.

At EscrowAfrica, protecting customer funds is our highest operational priority. Our platform is designed so that payments are held securely until the agreed transaction conditions have been satisfied. This helps reduce fraud and gives both buyers and sellers greater confidence when transacting online.

How Escrow Works

Unlike a direct payment, funds sent through EscrowAfrica are not immediately released to the seller. Instead:

1. The buyer and seller agree on the transaction terms.
2. The buyer funds the escrow transaction.
3. EscrowAfrica confirms receipt of the funds.
4. The seller delivers the agreed goods or services.
5. The buyer inspects the delivery during the agreed inspection period.
6. Funds are released only when the agreed release conditions are met or the transaction is otherwise resolved in accordance with our policies.

When Funds Are Released

Funds may be released when:

• The buyer confirms acceptance.
• The inspection period expires without a dispute.
• Both parties jointly authorise the release.
• A dispute is resolved.
• A court or competent authority requires release.
• Release is otherwise permitted under our Terms of Service.

When Funds May Be Delayed

To protect our users, we may temporarily delay the release of funds where:

• Identity verification is incomplete.
• Fraud is suspected.
• A dispute has been opened.
• Payment verification is pending.
• Additional compliance checks are required.
• We are required to comply with a legal or regulatory obligation.

These measures are intended to protect both buyers and sellers.

Refunds

Where a transaction is cancelled or resolved in favour of the buyer, funds may be returned in accordance with our Terms of Service and Refund Policy. Refund processing times may vary depending on banks, payment providers, and the payment method used.

Security Measures

To help safeguard customer funds, EscrowAfrica implements measures such as:

• Secure payment processing.
• Identity verification.
• Fraud monitoring.
• Access controls.
• Transaction logging.
• Continuous security monitoring.
• Risk-based transaction reviews.

User Responsibilities

Customers also play an important role in protecting their funds. We encourage users to:

• Verify transaction details before making payment.
• Never send money outside the EscrowAfrica platform for an active escrow transaction.
• Protect their account credentials.
• Report suspicious activity immediately.
• Review goods or services during the inspection period before approving fund release.

Important Information

EscrowAfrica acts as an independent escrow service provider. We facilitate secure holding and release of funds in accordance with agreed transaction terms. EscrowAfrica does not guarantee the quality, legality, or performance of the underlying goods or services. Users remain responsible for conducting appropriate due diligence before entering into a transaction.

Our Commitment

Trust begins with protecting your money. Every safeguard we implement—from identity verification to fraud monitoring and controlled fund release—is designed to help ensure that your funds are handled securely and fairly throughout the transaction process. EscrowAfrica is committed to providing a trusted escrow experience that empowers individuals and businesses to transact with confidence across Africa.