Effective Date: September 9, 2025

Welcome to At Your Service Escrow (the "Service"), operated by At Your Service Escrow LLC (the "Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website (the "Website") and the escrow services we provide for For Sale By Owner (FSBO) real estate transactions. By accessing or using the Website or our services, you agree to be bound by these Terms. If you do not agree, please do not use the Website or our services.

These Terms incorporate our Privacy Policy, which is available on the Website. We recommend reviewing it carefully.

1. Eligibility

You must be at least 18 years old and capable of forming a legally binding contract to use our services. By using the Service, you represent that you meet these requirements. The Service is intended for users in the United States only, and we make no representations that it complies with laws outside the U.S.

2. Description of Services

At Your Service Escrow provides escrow services for FSBO real estate transactions, acting as a neutral third party to hold funds and documents until transaction conditions are met. We facilitate secure transfers but do not provide legal, financial, or real estate advice. Users are responsible for their own due diligence, including verifying property titles, inspections, and compliance with local laws.

Account Creation: To use certain features, you may need to create an account by providing accurate contact information. You are responsible for maintaining the confidentiality of your account credentials.

Transaction Process: Users (buyers, sellers) submit funds/documents to us. We release them only upon mutual agreement or as per escrow instructions. All transactions are subject to our fees and verification processes.

3. User Obligations

Provide accurate, complete, and up-to-date information.

Comply with all applicable laws, including real estate, anti-money laundering (e.g., Bank Secrecy Act), and tax regulations.

Not use the Service for illegal activities, fraud, or money laundering.

Obtain necessary consents for sharing personal information of others (e.g., in transactions).

Pay all applicable fees promptly.

You grant us a non-exclusive, royalty-free license to use any content you submit for the purpose of providing the Service.

4. Fees and Payments

Our fees are outlined on the Website or in your escrow agreement. Fees may include setup, transaction, wire transfer, or cancellation charges. All fees are non-refundable unless otherwise stated. We accept payments via Card, Bank Transfer, or Cashier's Check. All fees will be paid though closing.

5. Intellectual Property

The Website and its content (text, graphics, logos) are owned by us or our licensors and protected by copyright, trademark, and other laws. You may not copy, modify, or distribute any content without our written consent.

6. Disclaimers and Limitations of Liability

The Service is provided "as is" without warranties of any kind, express or implied, including merchantability or fitness for a particular purpose. We do not guarantee the accuracy, security, or uninterrupted availability of the Service.

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, even if advised of the possibility. Our total liability shall not exceed the fees paid by you in the preceding 12 months.

You agree to indemnify us against any claims arising from your breach of these Terms or misuse of the Service.

7. Termination

We may suspend or terminate your access at any time for any reason, including violation of these Terms. Upon termination, your obligations (e.g., payment of fees) survive.

8. Governing Law and Dispute Resolution

These Terms are governed by the laws of [Insert State, e.g., California], without regard to conflict of laws principles. Any disputes shall be resolved through binding arbitration in [Insert Location] under the rules of the American Arbitration Association, except for small claims court matters.

9. Changes to Terms

We may update these Terms at any time. Continued use after changes constitutes acceptance. We will notify you of material changes via email or the Website.

10. Miscellaneous

These Terms constitute the entire agreement between you and us. If any provision is unenforceable, the remainder remains in effect. No waiver of any term is a waiver of any other.

For questions, contact us at [email protected].

Privacy Policy for At Your Service Escrow

Effective Date: September 9, 2025]

At Your Service Escrow LLC ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website (the "Website") or use our escrow services for For Sale By Owner (FSBO) real estate transactions. By using the Website or our services, you consent to the practices described herein.

This Policy complies with applicable U.S. laws, including the California Consumer Privacy Act (CCPA) where applicable, and incorporates digital marketing standards such as those under the CAN-SPAM Act for email communications.

1. Information We Collect

We collect the following types of information:

Personal Information: When you create an account, submit a contact form, or engage in a transaction, we collect contact details such as name, email address, phone number, mailing address, and payment information (e.g., bank details for escrow). We may also collect identification for verification (e.g., driver's license number).

Transaction Information: Details related to escrow transactions, including property details, funds transferred, and escrow instructions.

Automatically Collected Information: IP address, browser type, device information, pages visited, and usage data via cookies, web beacons, or similar technologies. This helps us analyze trends and improve the Website.

Marketing Information: If you opt-in to receive newsletters or promotions, we collect preferences for digital marketing.

We do not knowingly collect information from children under 13 without parental consent, in compliance with the Children's Online Privacy Protection Act (COPPA).

2. How We Use Your Information

To provide and manage escrow services, including processing transactions and communications.

To verify identity and prevent fraud.

For customer support and to respond to inquiries.

To send administrative emails (e.g., transaction updates).

For digital marketing, such as sending promotional emails about our services or related offers, only with your consent. You can opt-out at any time via the unsubscribe link in emails.

To improve the Website and services through analytics.

To comply with legal obligations, such as reporting under anti-money laundering laws.

3. Sharing Your Information

We may share information with:

Service providers (e.g., payment processors, hosting services) who assist us, bound by confidentiality.

Parties involved in your transaction (e.g., buyer/seller) as necessary.

Legal authorities if required by law, subpoena, or to protect our rights.

In the event of a merger, acquisition, or asset sale.

We do not sell your personal information to third parties for their marketing purposes without your explicit consent, in line with CCPA and similar standards.

4. Cookies and Tracking Technologies

We use cookies for essential functions (e.g., session management) and analytics (e.g., Google Analytics). For digital marketing, we may use tracking pixels in emails to measure engagement. You can manage cookie preferences via your browser settings. Note that disabling cookies may limit Website functionality.

5. Data Security

We implement reasonable security measures, such as encryption for sensitive data and secure servers, to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

Access, correct, or delete your personal information by contacting us.

Opt-out of marketing communications.

CCPA Rights (for California residents): Request disclosure of collected data, deletion, or opt-out of sales (though we do not sell data).

Do Not Track: We do not respond to browser Do Not Track signals, but you can opt-out of targeted advertising via tools like the Network Advertising Initiative.

7. Data Retention

We retain information as long as necessary for the purposes outlined, or as required by law (e.g., 7 years for financial records).

8. International Transfers

If you are outside the U.S., your data may be transferred to and processed in the U.S., where privacy laws may differ.

9. Changes to Privacy Policy

We may update this Policy. Changes will be posted on the Website with the updated effective date. Continued use constitutes acceptance.

10. Contact Us

For privacy questions or to exercise rights, contact us at [email protected] .

Note: This is a draft template and not legal advice. We strongly recommend consulting a qualified attorney to customize these documents for your specific business and ensure full compliance with all applicable laws, including state-specific escrow regulations and federal digital marketing standards.