Last updated: 2026-06-26

These Terms & Conditions ("Terms") govern your access to and use of the Escrow-App platform, website, and related services (collectively, the "Service") operated by ITISA LLC ("we," "us," or "our"). By creating an account or using the Service, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old, a resident of the United States, and have the legal capacity to enter binding contracts in your state of residence. By using the Service, you represent that you meet these requirements.

2. The Service

Escrow-App is a neutral platform that facilitates peer-to-peer transactions by holding the buyer's payment in a regulated escrow flow operated by Stripe, Inc. ("Stripe") until the parties confirm the transaction has been completed or a dispute is resolved.

Escrow-App is not a party to the underlying transaction between buyer and seller. We do not take ownership of, inspect, or warrant any items sold through the Service.

3. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized access. We may suspend or terminate accounts that violate these Terms or applicable law.

4. Deal Flow & Responsibilities

Each transaction ("Deal") proceeds through the following stages: agreement on terms, buyer payment into escrow, seller shipment with required evidence, buyer confirmation of delivery, and release of funds. Both parties agree to act in good faith and follow the Service's deal flow.

Key timeframes governing each Deal:

• Seller must ship within the timeframe agreed in the Deal, with a default maximum of 10 calendar days after funds are secured.
• Buyer must confirm or dispute delivery within 48 hours of the carrier's delivery confirmation scan.
• If the buyer takes no action within that 48-hour window, delivery is deemed accepted and funds are automatically released to the seller.
• Escrow-App will issue a written decision on open disputes within 5 business days of receiving complete evidence from both parties.

The buyer's confirmation of receipt through the EscrowApp checklist constitutes a binding acknowledgment that the transaction was completed as agreed and serves as the legal closing event of the Deal.

5. Fees & Payments

Escrow-App charges a transaction fee on each Deal, paid by the buyer and calculated as a percentage of the Deal amount. The current fee schedule is:

These rates are all-inclusive of Stripe processing costs and are paid by the buyer in addition to the Deal amount.

Seller Publication Fee: Sellers pay a one-time publication fee per Deal, deducted from the payout upon completion. The applicable rate depends on the seller's account tier at registration:

The seller's net payout equals the Deal amount minus the applicable publication fee and any Dispute Insurance premium contracted at Deal creation. Eligible users (early-access batches) may receive permanent fee discounts as disclosed at registration; those discounts are tied to the account and are non-transferable.

Transaction Limits: For security purposes, each account has a maximum aggregate value of simultaneously active Deals. Limits increase automatically based on successfully completed transactions:

Dispute Insurance: At the time of Deal creation, either party may purchase optional Dispute Insurance for $2.00. Users with Dispute Insurance may open a dispute at no additional cost. Users without Dispute Insurance must pay a $20.00 fee to open a dispute. Neither the $2.00 premium nor the $20.00 dispute fee is refundable under any circumstances, regardless of the outcome.

Bank Chargeback Costs: If a buyer initiates a bank-level chargeback, the card network charges Escrow-App a non-refundable processing fee. By using the Service, you acknowledge that initiating a bank chargeback may result in additional costs for which you may be held liable in accordance with Section 8.

Escrow-App may update the fee schedule at any time with notice as described in Section 29.

6. Buyer Obligations

• Provide accurate shipping and payment information.
• Confirm or dispute delivery within 48 hours of the carrier's delivery scan.
• Refrain from off-platform payment arrangements that circumvent the escrow.
• Use the dispute process in good faith and only with supporting evidence.
• Conduct all Deal-related communications through the EscrowApp in-app chat.

7. Seller Obligations

• List items accurately, including condition, defects, and any limitations.
• Wait for the "funds secured" status before shipping any item.
• Purchase carrier insurance for the full Deal amount on every shipment.
• Upload a photo of the sealed package with the shipping label visible.
• Upload the tracking number to the Service prior to the carrier's first scan.
• Ship within the timeframe agreed in the Deal (default maximum: 10 calendar days after funds are secured).
• Conduct all Deal-related communications through the EscrowApp in-app chat.

8. Disputes & Resolution

Either party may open a dispute within 48 hours of delivery confirmation by submitting evidence through the EscrowApp platform.

Admissible Evidence: The only communications and documentation admissible in an EscrowApp dispute are those exchanged or submitted through the EscrowApp in-app chat and platform for that specific Deal. Communications made outside the platform — including but not limited to WhatsApp, SMS, email, phone calls, or any third-party messaging service — will not be considered during the dispute review process. Users are advised to conduct all Deal-related communications through the EscrowApp chat from the outset.

Review Process: Escrow-App acts as a neutral internal adjudicator — not as a legal arbitrator — to evaluate the evidence submitted by both parties and determine which position is better supported by the available documentation. Required evidence includes photographic documentation, the original Deal terms as agreed on the platform, the carrier's tracking record, and a carrier insurance claim where shipping damage is alleged. Escrow-App will issue a written decision within five (5) business days. Outcomes include full release to the seller, full refund to the buyer, or a partial refund based on the evidence. This decision is final within the platform. Disputes between a user and ITISA LLC (not between buyers and sellers) are subject to the arbitration process in Section 19.

Scope of Review: EscrowApp's review is limited to the product characteristics declared and accepted at Deal creation and the evidence of delivery and condition submitted through the platform. EscrowApp does not inspect, assess, or certify the physical condition of any item and makes no representations about its physical state.

Chargeback Policy: Confirming receipt through the EscrowApp checklist constitutes your binding acknowledgment that the transaction was completed as agreed. Initiating a bank-level chargeback after such confirmation is a material breach of these Terms. Escrow-App reserves the right to pursue all available legal remedies, including recovery of the chargeback amount, associated bank and processing fees, and reasonable attorney's fees. Escrow-App will provide all available transaction evidence to the card network and, where applicable, to the relevant legal authorities.

9. Refunds & Releases

Funds are released to the seller upon (a) buyer confirmation of delivery or (b) 48 hours after delivery confirmation without a dispute opened by the buyer. Refunds, where ordered by a dispute decision, are issued to the buyer's original payment method via Stripe.

Payout Timeline: Released funds are transferred to the seller's connected bank account within 48 to 72 business hours after release. This delay is an intentional fraud-prevention measure. During this period, the balance will appear in the seller's Stripe dashboard but may not yet be available in the seller's bank account.

Bank Chargeback Hold: If a buyer initiates a bank-level chargeback after confirming receipt, the card network may place a hold on the relevant funds for the duration of the chargeback process, which typically takes 2 to 3 months to resolve. During this period, Escrow-App will submit all available transaction evidence to support the seller's position with the card network.

10. Prohibited Items & Activities

You may not use the Service to transact in or facilitate any of the following:

• Firearms, ammunition, or weapons of any kind.
• Controlled substances, prescription drugs, or illegal drugs.
• Stolen, counterfeit, or fraudulently obtained goods.
• Obscene, adult, or sexually explicit content.
• Pirated software, media, or any item infringing intellectual property rights.
• Hazardous materials or live animals.
• Currency exchange, financial instruments, or investment products.
• Services (as opposed to physical goods) — the Service is designed exclusively for the sale of tangible items.
• Any transaction involving persons or entities on OFAC sanctions lists or subject to US export controls.
• Any item whose sale, purchase, or transfer is illegal in the buyer's or seller's jurisdiction.

Vehicles and other items requiring title transfer or government documentation may be subject to additional verification requirements. A complete list of prohibited and restricted categories is available in our Usage Rules.

11. Deal Cancellation Policy

Before buyer payment: Either party may cancel the Deal at no cost.

Buyer retraction after payment, before shipment (unilateral): If the buyer requests cancellation after funds are secured but before the seller marks the item as shipped, the buyer forfeits the Escrow Fee (3.8%–4.4% of the transaction amount) and the Dispute Insurance premium ($2.00) if contracted. The seller receives $0. The remaining balance is refunded to the buyer. Example: on a $200 transaction, the buyer recovers $191.60 without insurance, or $189.60 if $2 insurance was contracted (4.2% fee = $8.40).

After shipment — unilateral cancellation not permitted: Once the seller has marked the item as shipped, the buyer may not cancel unilaterally. Available options are: (1) complete the transaction normally; (2) open a dispute if the item does not arrive or does not match the declared characteristics; or (3) request a mutual cancellation with the seller's agreement.

Mutual cancellation (both parties agree): When both parties agree to cancel:

• The buyer receives: transaction amount minus the Escrow Fee (3.8%–4.4%) minus the Dispute Insurance premium ($2.00) if contracted.
• The seller does not recover the seller publication fee nor the Dispute Insurance premium ($2.00) if contracted. Both are non-refundable costs of service.

Seller non-shipment: If the seller does not ship within the agreed timeframe (default: 10 calendar days after funds are secured), the buyer may request cancellation and receive a full refund of the transaction amount. The Escrow Fee refund in this case is at Escrow-App's discretion.

All cancellation requests must be submitted through the EscrowApp platform.

12. Returns

Physical returns apply when a mutual cancellation is agreed upon or when a dispute is resolved in the buyer's favor. The buyer is responsible for all return shipping costs regardless of the reason for cancellation or the outcome of the dispute.

Upon a return being required, the buyer has 48 hours from the initiation of the return status to register a valid tracking number and carrier through the platform. The buyer will receive an immediate email notification with this deadline and a reminder 24 hours before expiration. If the buyer does not register the return shipment within 48 hours, the process resolves automatically in favor of the seller.

Escrow-App does not inspect, mediate, or take responsibility for the physical condition of returned goods. Both parties will receive a Transaction Certificate (see Section 13) containing all documented evidence, which may be used in subsequent legal proceedings.

Any product warranty, guarantee, or return policy offered by the seller in the Deal description is a private agreement between buyer and seller. Once funds are released, Escrow-App's role as intermediary ends. Warranty claims, post-release disputes, or disagreements about product condition discovered after fund release fall outside Escrow-App's jurisdiction and must be resolved directly between the parties or through applicable consumer protection law.

13. Transaction Certificate

Upon completion or resolution of any Deal, Escrow-App automatically generates a Transaction Certificate that includes: the verified identities of the parties, the product description and condition as declared and accepted at Deal creation, a timestamped timeline of all Deal actions, photographic evidence submitted by the parties, the dispute decision and evaluation criteria (if applicable), and a SHA-256 integrity hash of the document.

The Transaction Certificate constitutes documentary evidence of the digital contract and its resolution. It may be presented in legal proceedings as proof of the agreement entered into through the platform. Users acknowledge that this certificate, together with the in-app chat record, is the primary source of evidence for any dispute or legal claim arising from a Deal.

14. Referral Program

Escrow-App may offer a referral program under which eligible users may earn fee credits by referring new users to the Service. Credits are non-transferable, have no cash value, and may only be applied against seller fees on future transactions. The referral program is subject to the following conditions:

• Credits are earned only when a referred user completes a verified first transaction of at least $10.00 within 30 days of registration using the referrer's unique link.
• Maximum of 10 active referral credits per account at any time.
• Self-referrals, coordinated fraud, or any attempt to artificially generate credits will result in immediate cancellation of all credits and may result in permanent account suspension.
• Escrow-App reserves the right to modify or discontinue the referral program at any time with reasonable notice to active users.

15. Intellectual Property

The Service, including all software, design, content, and trademarks, is owned by Escrow-App or its licensors and is protected by US and international copyright and trademark law. You receive a limited, non-exclusive, non-transferable license to use the Service.

16. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. Escrow-App disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.

17. Limitation of Liability

To the maximum extent permitted by law, Escrow-App's total liability arising out of or related to your use of the Service is limited to the total fees you have paid to Escrow-App in the twelve (12) months prior to the event giving rise to the claim. In no event shall Escrow-App be liable for indirect, incidental, special, consequential, or punitive damages.

18. Indemnification

You agree to indemnify and hold Escrow-App harmless from any claim, demand, or damages arising out of your use of the Service, your violation of these Terms, or your violation of any third-party rights.

19. Governing Law & Arbitration

These Terms are governed by the laws of the State of Florida and the Federal Arbitration Act (FAA), without regard to conflict-of-law principles. The FAA governs the interpretation and enforcement of this arbitration provision and preempts any state law to the contrary.

Scope: This Section applies exclusively to disputes between you and ITISA LLC arising from or related to these Terms or the Service. Disputes between buyers and sellers within a Deal are handled exclusively through EscrowApp's internal adjudication process described in Section 8 and are not subject to this arbitration clause.

Informal resolution first: Before initiating arbitration, you agree to contact us at [email protected] describing the dispute and seeking an informal resolution. We will attempt to resolve the matter within 30 days of receipt.

Binding arbitration: If informal resolution fails, any dispute between you and ITISA LLC shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (available at www.adr.org). The arbitration will be conducted in Miami, Florida, unless the AAA Consumer Rules require otherwise for consumer claims. The arbitrator may award any relief available in an individual court action, including attorney's fees and costs to the prevailing party to the extent permitted by applicable law.

Small claims court: Notwithstanding the foregoing, either party may bring an individual claim in small claims court in the county where you reside, provided the claim falls within that court's jurisdictional limits.

No class actions: You and ITISA LLC agree to bring claims against each other only in an individual capacity and not as a plaintiff or class member in any class, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any class or representative proceeding.

20. Electronic Transactions

By using the Service and clicking "Agree," "Accept," "Confirm," "Pay," or similar buttons, you consent to conduct transactions electronically. Such actions constitute your electronic signature and have the same legal effect as a handwritten signature under the Electronic Signatures in Global and National Commerce Act (ESIGN) and applicable state law. You consent to receive all communications, agreements, and notices electronically. You may request paper copies by contacting us, but doing so will not affect the validity of electronic records already created.

21. Taxes

All fees and charges for the Service are exclusive of any applicable taxes, levies, or duties. You are responsible for all taxes associated with your use of the Service and your transactions. Escrow-App may be required to collect and remit applicable taxes in certain jurisdictions, in which case such amounts will be added to your charges. Escrow-App may report transaction information to tax authorities as required by applicable law.

22. Unclaimed Funds

If a Deal remains unresolved for more than 90 days due to inaction by one or both parties, Escrow-App may cancel the Deal and attempt to refund the buyer's escrowed funds to the original payment method. If such refund is not possible, funds will be held for a period not to exceed one (1) year from the date of the original payment, after which unclaimed funds will be escheated to the appropriate state authority in accordance with applicable unclaimed property laws.

23. Termination

Escrow-App may suspend, restrict, or terminate your account or access to the Service at any time, with or without notice, for any reason, including violation of these Terms, suspected fraud, chargebacks, or extended inactivity. Upon termination: (a) your license to use the Service ends immediately; (b) you remain liable for any obligations incurred prior to termination, including open Deals and pending fees; (c) Escrow-App may retain your information as required by law or these Terms. You may close your account at any time by contacting us, provided no Deals are pending.

24. Non-Transferability & Assignment

Your account and any associated rights or benefits (including batch discounts and referral credits) are personal to you and may not be transferred, assigned, or sublicensed to any other person without Escrow-App's prior written consent. Any purported transfer in violation of this provision is void. Escrow-App may transfer its rights and obligations under these Terms to any affiliate, successor, or acquirer without your consent.

25. Force Majeure

Escrow-App shall not be liable for any delay or failure to perform its obligations to the extent caused by circumstances beyond its reasonable control, including acts of God, natural disasters, war, terrorism, government actions, internet or telecommunications failures, power outages, or disruptions in third-party services including Stripe, Inc. Escrow-App will make reasonable efforts to resume performance as soon as practicable.

26. Notices

Escrow-App may provide notices via email to the address associated with your account, through the Service, or by posting on the website. Notices are effective upon sending. You are responsible for keeping your email address current. Notices to Escrow-App must be sent to [email protected].

27. Survival

Sections 8 (Disputes), 13 (Transaction Certificate), 15 (Intellectual Property), 16 (Disclaimers), 17 (Limitation of Liability), 18 (Indemnification), 19 (Governing Law & Arbitration), 21 (Taxes), and 22 (Unclaimed Funds) survive termination or expiration of these Terms for any reason. Termination does not affect any rights or obligations that accrued prior to termination.

28. General

Entire Agreement: These Terms, together with our Privacy Policy and Usage Rules, constitute the entire agreement between you and Escrow-App regarding the Service and supersede all prior agreements, representations, or understandings, whether written or oral.

Severability: If any provision of these Terms is found invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions continue in full force.

Waiver: Escrow-App's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

No Third-Party Beneficiaries: These Terms are for the sole benefit of you and ITISA LLC and their respective successors and permitted assigns. No other person or entity shall have any rights under these Terms.

29. Changes to These Terms

Escrow-App may update these Terms or the fee schedule at any time. When we make material changes — including fee updates — we will notify you by email to the address associated with your account at least 14 days before the changes take effect. We will require your affirmative acceptance of the updated Terms before you can continue using the Service after the effective date. If you do not accept the updated Terms, you may close your account without penalty before the effective date takes effect. Minor, non-material changes (such as correcting typographical errors or clarifying existing provisions) may take effect immediately upon posting.

30. Contact

Questions about these Terms? Email us at [email protected].