### **Terms and Conditions of EscrowVillage**

**Effective Date: November 2024.

Welcome to **EscrowVillage**! These Terms and Conditions (“Agreement”) govern your use of our website, platform, and services (collectively, the "Services") provided by **EscrowVillage** ("we", "us", or "our"). By accessing or using the Services, you ("you" or "User") agree to comply with and be bound by these Terms and Conditions.

If you do not agree with these Terms, please do not use our Services.

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### **1. Acceptance of Terms**

By registering for an account or using any of the Services offered by **EscrowVillage**, you agree to these Terms and Conditions, our Privacy Policy, and any other policies or guidelines posted on the platform. These documents collectively form a legally binding agreement between you and **EscrowVillage**.

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### **2. Eligibility**

To use the Services, you must:

- Be at least 18 years of age or the legal age of majority in your jurisdiction.
- Have the legal capacity to enter into a binding contract.
- Provide accurate and complete information during the registration process.
- Comply with all applicable laws, including local, state, and international regulations related to financial transactions.

By using the platform, you confirm that you meet these eligibility requirements. If you are acting on behalf of a company or other entity, you represent that you have the authority to bind that entity to these Terms.

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### **3. Account Registration and Security**

To access the full features of **EscrowVillage**, you must create an account. You agree to provide accurate, current, and complete information during the registration process and update it as necessary to maintain accuracy.

- **Username and Password:** You are responsible for maintaining the confidentiality of your account credentials (username, password, etc.). You agree to immediately notify us if you suspect any unauthorized use of your account.
- **Security:** You agree to use secure methods to protect your account, such as enabling two-factor authentication (2FA) where available.

We are not liable for any unauthorized access to your account or the loss of funds resulting from compromised security. You are responsible for all activities that occur under your account.

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### **4. Services Provided**

**EscrowVillage** provides an escrow service to facilitate secure transactions between buyers and sellers, ensuring that funds are held safely until both parties fulfill their commitments. Our platform enables:

- **Escrow Transactions:** The buyer’s funds are held in escrow until the seller delivers the product or service as agreed. Once both parties fulfill their obligations, the funds are released.
- **Currency Swaps:** Users can convert **Naira (NGN)** to **USDT (Tether)** or **USDT to Naira (NGN)** using our secure escrow system.
- **Bank Withdrawals:** After completing transactions, users can withdraw funds to their linked bank accounts quickly and securely.

We reserve the right to modify, suspend, or discontinue any part of the Services at our discretion.

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### **5. Your Responsibilities**

When using **EscrowVillage**, you agree to the following responsibilities:

- **Honest Transactions:** You agree to provide accurate and truthful information when listing products or services for sale, completing purchases, or swapping currencies.
- **Comply with Laws:** You will comply with all applicable laws and regulations, including but not limited to anti-money laundering (AML), know-your-customer (KYC), and other legal requirements.
- **Payment Terms:** You will ensure that payments are made promptly and in accordance with the terms of the transaction agreement.
- **Prohibited Conduct:** You will not use **EscrowVillage** for any illegal or unethical activities, including but not limited to:
 - Fraudulent transactions
 - Money laundering
 - Engaging in activities that violate intellectual property rights
 - Promoting or engaging in activities that cause harm to others

You agree not to engage in any conduct that could damage, disable, or impair the functionality of our platform.

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### **6. Escrow Transactions**

**EscrowVillage** acts as an intermediary to hold funds in escrow for transactions between buyers and sellers. The following terms apply:

- **Transaction Agreement:** Before we hold funds in escrow, the buyer and seller must agree to the terms of the transaction, including the price, delivery conditions, and timeline.
- **Release of Funds:** Funds will only be released to the seller once the buyer confirms receipt of the product or service and is satisfied with the transaction. If there is a dispute, **EscrowVillage** will attempt to mediate and resolve the issue.
- **Disputes:** In the event of a dispute, both parties must follow our dispute resolution process. If a resolution cannot be reached, we may, at our sole discretion, refund the buyer or release the funds to the seller based on the available evidence.
- **Fees:** **EscrowVillage** charges a fee for escrow services. The fee structure is outlined on our website and is subject to change at our discretion.

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### **7. Currency Swaps**

**EscrowVillage** allows users to swap **Naira (NGN)** and **USDT (Tether)** through a secure escrow process. The terms for currency swaps include:

- **Conversion Rates:** Conversion rates are determined by market conditions and may fluctuate. The final exchange rate is locked in when the transaction is initiated.
- **Transaction Limits:** We may impose minimum and maximum transaction limits for currency swaps, which will be outlined on our platform.
- **Fees:** Currency swaps are subject to service fees, which will be clearly communicated before you confirm the transaction.

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### **8. Payment and Withdrawal**

- **Deposits:** You can deposit funds into your **EscrowVillage** account via accepted payment methods (bank transfer, cryptocurrency wallet, etc.).
- **Withdrawals:** Once your transaction is completed, you can withdraw funds to your linked bank account. Withdrawal processing times may vary depending on your location and the method chosen.

We reserve the right to delay or block withdrawals if we suspect fraudulent activity, violations of these Terms, or if required by law.

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### **9. User-Generated Content**

You may upload or post content to **EscrowVillage** (e.g., product listings, feedback, reviews). You are solely responsible for all content you post and agree that:

- You will not post any content that is illegal, harmful, infringing, or violates the rights of others.
- You grant **EscrowVillage** a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content as necessary to provide our services.
- We may, at our discretion, remove content that violates these Terms or is deemed inappropriate.

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### **10. Privacy**

Your privacy is important to us. Please refer to our **Privacy Policy** for information about how we collect, use, and protect your personal information.

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### **11. Limitation of Liability**

To the fullest extent permitted by law, **EscrowVillage** and its affiliates, directors, officers, employees, and agents will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

- Your use of, or inability to use, the platform.
- Any errors or inaccuracies in the content provided.
- Unauthorized access to your account or transactions.
- Disputes between buyers and sellers.
- Any third-party services or links provided on the platform.

You agree that your sole remedy for dissatisfaction with the platform is to cease using the Services.

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### **12. Indemnification**

You agree to indemnify and hold harmless **EscrowVillage**, its affiliates, employees, officers, agents, and partners from any claims, liabilities, losses, damages, or expenses (including legal fees) arising from:

- Your violation of these Terms and Conditions.
- Your use of the platform.
- Any disputes or issues related to transactions with other users.

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### **13. Termination**

We may suspend or terminate your account or access to the Services at any time, without notice, for any violation of these Terms or if we suspect fraudulent, illegal, or unethical activity. You may terminate your account at any time by contacting our support team.

Upon termination, you will remain liable for any outstanding transactions, fees, or obligations incurred prior to termination.

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### **14. Governing Law and Dispute Resolution**

These Terms and Conditions are governed by the laws of [insert jurisdiction]. Any disputes arising out of or relating to this Agreement will be resolved through binding arbitration in accordance with the rules of [insert arbitration body], and the arbitration will take place in [insert location].

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### **15. Modifications to Terms**

We may update or modify these Terms and Conditions at any time. Any changes will be posted on this page with the revised date. By continuing to use the platform after any changes, you agree to the updated Terms.

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### **16. Contact Information**

If you have any questions or concerns about these Terms and Conditions, please contact us at:

**EscrowVillage**  
Email: protect@escrowvillage.com

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By using **EscrowVillage**, you acknowledge that you have read, understood, and agree to these Terms and Conditions.