These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”) and north escrow (“Company,” “we,” “us,” or “our”) governing your access to and use of the escrow platform located at www.northescrow.com (the “Site”) and related services (collectively, the “Services”).

2.1. Definitions

  • Escrow: a conditional deposit of funds or assets by a payer (the “Depositor”) held by north escrow until both parties fulfil contractual obligations.

  • Counterparty: the user invited to participate in an escrow transaction initiated by a Depositor.

  • Transaction: any deposit, release, refund, or dispute resolution facilitated by north escrow.

2.2. Account Registration & Verification

  • You must be at least 18 years old.

  • You agree to provide accurate, current, and complete information, and to promptly update any changes.

  • We reserve the right to suspend or terminate accounts that fail or refuse to complete identity verification (KYC) or AML screening.

2.3. Use of Services

  • You may only use the Services for lawful transactions and within your legal capacity.

  • Prohibited activities include: fraud, money laundering, financing illicit behavior, or any conduct that violates applicable law or third-party rights.

  • You remain responsible for compliance with all tax, reporting, and regulatory obligations arising from your transactions.

2.4. Fees & Billing

  • A schedule of applicable escrow fees, withdrawal fees, and currency conversion charges is published on the Site and may be updated with at least 30 days’ notice.

  • All fees are non-refundable unless otherwise expressly stated.

2.5. Intellectual Property
All content on the Site—including text, graphics, logos, and software—is the property of north escrow or its licensors and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, revocable license to access and use the Services solely for your personal or business transactions.

2.6. Disclaimers & Limitation of Liability

  • Disclaimer of Warranties: The Services are provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, express or implied.

  • Limitation of Liability: To the fullest extent permitted by law, north escrow shall not be liable for any indirect, incidental, special, punitive, or consequential damages arising out of or in connection with your use of the Services, even if advised of the possibility of such damages. Our aggregate liability shall not exceed the total fees you have paid to us in the six months preceding any claim.

2.7. Indemnification
You agree to indemnify, defend, and hold harmless north escrow and its officers, directors, employees, and agents from any claim, liability, loss, or expense arising from your breach of these Terms or your violation of any law or the rights of a third party.

2.8. Termination
We may suspend or terminate your access—without notice—for violations of these Terms or for any conduct we deem harmful to our business or other users. Upon termination, all outstanding fees remain due, and any pending escrows will be handled per our dispute-resolution procedures.

2.9. Governing Law & Dispute Resolution
These Terms and any dispute arising from them shall be governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles. You agree to submit exclusively to binding arbitration in Wilmington, Delaware, under the rules of the American Arbitration Association, except that we may seek injunctive relief in any court of competent jurisdiction.

2.10. Modifications
We reserve the right to modify these Terms at any time. Material changes will be posted on the Site with at least 30 days’ notice. Your continued use of the Services after such changes constitutes acceptance of the updated Terms.