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GENERAL Xkro TERMS AND CONDITIONS

Xkro ("Xkro" or "we" or "us" or "App") is an application that offers escrow services in India. It is essential that you carefully read and understand these General Xkro Terms and Conditions ("Terms"). The Terms are subject to change. In the event of a change, we will upload a new version to the App.

These Terms apply to the Seller and Buyer (each a "Party" or "Underlying Party," and collectively "Parties" or "Underlying Parties") involved in any Escrow Transaction in connection with the Escrow Services. In addition to these Terms, You are also subject to certain other terms, conditions, and agreements (collectively, the "Xkro Terms of Service"), including Privacy Policy.

The Underlying Parties engage Xkro to act as escrow agent pursuant to these Terms and further agree to the entirety of the Xkro Terms of Service.

1. Definitions and Interpretation

a. Definitions

Any capitalized term not otherwise defined elsewhere in the Xkro Terms of Service shall have the definition and interpretation set forth below:

  1. Account means an Xkro account of a Buyer or Seller.
  2. Affiliate means an entity that is, directly or indirectly, through one or more intermediaries, controlling, controlled by, or under common control with Xkro.
  3. Applicable Law means all relevant statutes, regulations, rules of payment gateways, that govern the services outlined in the Xkro Terms of Service, including any binding orders, decisions, or written instructions issued by courts or governmental authorities with jurisdiction over the Parties, the services, or any transactions covered by the Xkro Terms of Service.
  4. Buyer means a person or entity desiring to purchase personal property or purchase other services from a Seller by use of the App.
  5. Buyer Inspection Period means the Inspection Period applicable to Buyer as specified herein.
  6. Close of Escrow means consummation of the Escrow Transaction.
  7. Dispute Date means the date of: (A) Seller's rejection or return of the Goods as indicated on the App; (B) Xkro's rejection of the Goods on behalf of Seller if Seller is unable to access the App; or (C) the notification by a Party to another Party of any dispute, claim, disagreement, or breach related to these Terms or an Escrow Transaction.
  8. Escrow Fees means the fees due to Xkro for the Services.
  9. Escrowed Funds means funds held in escrow with Xkro.
  10. Escrow Instructions means the entire set of instructions, terms, conditions, and details governing an Escrow Transaction.
  11. Escrow Services means the transaction management and escrow services provided by Xkro, including the holding of Escrowed Funds.
  12. Escrow Transaction means the portion of a transaction involving Escrow Services provided by Xkro, which may include the holding and release of Escrowed Funds in accordance with the Escrow Instructions and these Terms.
  13. Inspection Period means the period by which Buyer or Seller must inspect the subject property, as applicable.
  14. Goods means any item of tangible (capable of being physically touched or precisely identified) goods or property transacted on Xkro. This term also includes certain intangible goods or property such as domain names, digital accounts, pre-written computer software, source codes, intellectual property, and any other property as approved by Xkro in its sole discretion.
  15. Negotiation Period means fourteen (14) calendar days beginning with the Dispute Date.
  16. Parties means Xkro and the Underlying Parties.
  17. Personal Property means any movable thing or intangible item of value that is capable of being owned by a natural individual or a legal entity and not recognized as real property.
  18. Seller means a person or entity offering goods for sale as permitted under the Xkro Terms of Service and desiring to use the App to close the sale.
  19. Seller Inspection Period means the Inspection Period applicable to Seller as specified herein.
  20. Transaction Escrow Instructions means the terms, conditions, and other provisions relating to a specific Transaction or Escrow Transaction, as agreed to by the Underlying Parties.
  21. Underlying Parties means Buyer and Seller.
  22. Transaction means the Transaction between or among Buyer and Seller for the sale of Goods or Seller Services, for which the Underlying Parties engage Xkro for the provision of Escrow Services.
  23. User means one of the Underlying Parties using the App in connection with an actual or proposed Transaction.

b. Rules of Interpretation

  1. References to "discretion" mean Xkro's sole and absolute discretion.
  2. References to "consent" mean a Party's prior written consent, which in the case of Xkro may be given or withheld in its discretion.
  3. References to "including" mean "including but not limited to".
  4. References to the singular include the plural and vice versa as the context may require.
  5. References to the time of day means Indian Standard Time.
  6. References to Buyer and Seller is expressly authorized by a Seller or Buyer to act on behalf of and bind the applicable Buyer or Seller.
  7. References to "days" means the business days, i.e. Monday through Friday, other than legal holidays, unless otherwise indicated.
  8. Reference to "good faith" means honesty in fact in the conduct concerned, measured subjectively.
  9. All communications relating to a Transaction or Escrow Transaction shall be in English.

2. Eligible Persons

Transactions through the App are permitted only for individuals who are legally capable of entering into binding agreements as defined under the Indian Contract Act, 1872. Individuals deemed "incompetent to contract" under the Act, such as undischarged insolvents, are not permitted to use the App. If you are a minor - i.e., below 18 years of age - you may access and use the App or its content only with the prior consent and under the supervision of a parent or legal guardian. Any transaction on the App by a minor must be conducted by their parent or legal guardian. Xkro reserves the right to suspend or terminate your account and deny access to the App if it comes to Xkro's attention or is otherwise discovered that you are under 18 and have conducted transactions independently.

To initiate and commence an Escrow Transaction or use the Escrow Services, a User must register for an Account on our App. You must complete the Escrow Services application form and submit it by following the instructions on the App.

3. Your Account and Registration Obligations

By using the App, You are solely responsible for keeping Your Username and Password secure and for all actions carried out under Your login credentials. You acknowledge that if any information You provide is false, inaccurate, outdated, or incomplete-or if We have reasonable grounds to believe so-or if such information is not in compliance with these Terms, We reserve the right to suspend, terminate, or restrict Your access to the App indefinitely and deny You continued membership or usage rights.

Your mobile phone number and/or email address serves as Your primary identifier on the App. It is Your responsibility to ensure that both Your mobile phone number and email address remain current and accurate on the App at all times. You agree to promptly inform Us of any changes to Your mobile number or email address by updating the information through a one-time password (OTP) verification process on the App.

You acknowledge that Xkro shall not be held liable for any actions or consequences arising from the use or misuse of information associated with Your Account, especially in situations where You have not updated Your revised mobile number and/or email address on the App.

If You allow others to access or use Your Account - whether by creating individual profiles under Your Account or through other means - they may be able to view and access Your Account details. You accept full responsibility and liability for all actions taken through Your Account and for any resulting outcomes.

You must keep Your account credentials confidential and are responsible for all activities carried out under Your Account. Sharing Your login details, including username and password, with any other individual will be considered a violation of these Terms of Use.

You agree to: (a) ensure that You log out of Your account at the end of each session; and (b) promptly inform Xkro of any unauthorized access or use of Your account. If there is any indication of a potential security breach or misuse of Your account, We may either request that You update Your password or temporarily suspend access to Your account, without any liability on the part of Xkro, for a duration We consider necessary under the circumstances. We shall not be held responsible for any loss or damage resulting from Your failure to comply with this requirement.

4. Description of the Escrow Service

The Escrow Services are online transaction management tools provided by Xkro, acting as an escrow agent for both the Buyer and the Seller involved in a goods-related transaction. These services are designed to support the successful completion of the Transaction in accordance with the Xkro Terms of Service.

5. Limits on the Escrow Services

The Escrow Services may only be used for lawful Transactions involving permitted Goods. Xkro reserves the exclusive right to refuse or decline any Transaction at its sole discretion. Use of the Escrow Services is restricted to registered Users. To become a registered User, You must provide all required information as prompted on the App. Additionally, the scope of the Escrow Services may be subject to restrictions imposed by Applicable Law.

6. Prohibited Transactions

Users shall not use or attempt to use the App or the Escrow Services in connection with any Transaction that:

  1. Items not intended for distribution within India
  2. Illegal and potentially illegal products
  3. Offensive material
  4. Obscene items including items containing Nudity
  5. Items that infringe upon an individual's privacy
  6. Items which are illegal or involves any illegal items, or is for any illegal purpose
  7. Involves any munitions or firearms
  8. Involves pirated software, DVD or videos or item(s) otherwise infringing copyrighted works
  9. Involves illegal drugs, controlled substances, alcohol, tobacco products or any other pharmaceuticals that require permits and licenses which the Seller or the App do not have
  10. Currencies, including digital currencies

Furthermore, Xkro reserves the right, at its sole discretion, to decline the completion of any Transaction if it has reason to suspect that the Transaction is unauthorized, initiated by someone other than You, or potentially in violation of any Applicable Law or these Terms. Each User agrees to indemnify and hold harmless Xkro, along with its officers, employees, directors, and agents, from any losses, including legal fees and related costs, arising out of any use or attempted use of the Escrow Services that breaches the Xkro Terms of Service—this includes, without limitation, any use of the services for prohibited Transactions.

7. Rejection of Payment

Because the use of a bank account, credit card, debit card, or electronic funds transfer may be subject to restrictions imposed by Your agreement with Your financial institution and/or applicable laws, Xkro shall not be held responsible to any User if it is unable to complete an Escrow Transaction or perform any related actions due to such limitations, or if a financial institution fails to process any credit or debit transaction involving an Account. Xkro may publish operational guidelines or terms related to payments on the App and reserves the right to update or modify those rules at any time.

8. Obligations of Sellers

For each transaction, the Seller must specify a designated account to receive payment. By participating, the Seller grants Xkro and its representatives the authority to issue credits to this account for the transaction amount and, when necessary, to withdraw funds to meet the Seller's financial obligations. Sellers must arrange for delivery of the goods directly to the Buyer at the delivery address provided in the app and documented in both the Transaction and Supplemental Escrow Instructions. The chosen delivery service must offer delivery confirmation, and the Seller is required to provide Xkro with shipment tracking details. Xkro is authorized to communicate with the shipping provider on the Seller's behalf to confirm delivery. The Seller must notify Xkro once the goods have been shipped. If Xkro does not receive shipment notification within ten (10) calendar days of the required ship date, the Seller agrees that Xkro may refund the Buyer (excluding any fees owed to Xkro). Should the Buyer return the goods, the Seller must inform Xkro upon receipt of the return. This triggers a five (5) day period for the Seller to inspect the items. If the Seller either accepts the return or does not respond within this inspection window, Xkro will refund the Buyer the escrowed funds, minus its fees. If the Seller contests the return within the inspection period, the funds will remain in escrow until the dispute is resolved or action is taken in accordance with applicable laws. If all parties agree that no shipping is required for a transaction, then the shipping-related obligations outlined here do not apply.

9. Obligations of Buyers

The Buyer is required to select a payment method and specify an account from which Xkro will withdraw the purchase price and any applicable fees, unless otherwise agreed that the Seller will cover such fees. Depending on the transaction amount and currency, payment may be made by credit card, debit card, charge card, purchasing card, check, cashier's check, money order, or wire transfer. For wire transfers, the Buyer must send funds to an Xkro-designated account by the agreed-upon date. The Buyer authorizes Xkro and its service partners to process debits and credits as necessary to collect payment, correct errors, and fulfill the Buyer's financial responsibilities under the Xkro Terms. All funds received will be held in an escrow account managed by Xkro. These escrowed amounts do not accrue interest. Upon receipt of the goods, the Buyer must inform Xkro whether the items have been received and either accepted or rejected, before the end of the Buyer's inspection period. Once Xkro receives confirmation of acceptance, it will initiate payment to the Seller (net of fees) usually by the next business day. If no notification is provided before the inspection period ends, the Buyer agrees that Xkro may release the funds to the Seller. In the case of rejection, the Buyer must follow the procedures outlined in the app.

10. Limitation of Obligations

Xkro's responsibilities are limited strictly to those expressly outlined in its Terms of Service. The company shall not be held liable for any acts or omissions unless arising from gross negligence or intentional wrongdoing, as specified herein. Xkro is entitled to rely in good faith on any document or communication that appears to originate from an authorized User, and is under no obligation to verify its authenticity. Xkro does not conduct independent verification of any statements or assurances made by Buyers, Sellers, or their representatives, including but not limited to claims of ownership, legal rights, or entitlement to the goods or funds involved. In circumstances where Xkro is uncertain about its obligations, receives instructions that appear to conflict, or becomes party to a dispute, it may, at its sole discretion:

  1. seek guidance from legal counsel (which may include its own internal attorneys), with any actions taken on such advice deemed acceptable to all involved parties;
  2. withhold further action until it receives a binding directive from a court or arbitrator; or
  3. fulfill its obligations by initiating an interpleader and depositing the disputed funds with a court of competent jurisdiction, consistent with the procedures set forth in its Terms of Service.

11. Communications and Verification

Unless otherwise agreed upon by the Parties in accordance with the Xkro Terms of Service, all notices, disclosures, and communications relating to these Terms and the use of the Escrow Service will be delivered electronically, either via email or through the App. You acknowledge and agree that Xkro may, at any time, request additional information from you for purposes such as identity verification, authentication, or other legitimate business needs.

12. Taxes

Certain Xkro fees may be subject to applicable taxes, duties, levies, or similar governmental charges, including but not limited to sales, use, value-added, or withholding taxes, imposed by any relevant jurisdiction (collectively, "Taxes"). Unless specifically stated otherwise, all fees listed are exclusive of applicable Taxes. You acknowledge that Xkro may report certain transaction-related data to tax authorities as required by law.

Without limiting the foregoing, Goods and Services Tax (GST) or any other applicable indirect taxes under prevailing laws shall be levied on the Escrow Fees and/or platform fees charged by Xkro. Such taxes shall be payable by the applicable User in addition to the stated fees and shall be charged at the rates prescribed under Applicable Law at the time of the transaction.

Any amount so credited shall not be transferred to the original payment method, bank account, or any external source, except where expressly required under Applicable Law or at the sole and absolute discretion of Xkro.

Amounts credited to the Xkro Wallet may be utilised solely for future transactions on the App and shall remain subject to applicable wallet usage policies, limitations, validity conditions, fraud checks, or other restrictions as may be prescribed by Xkro from time to time.

Credit of such amount to the Xkro Wallet shall constitute full and final settlement of the relevant cancelled or refunded transaction, and the User shall have no further claim against Xkro in respect thereof.

13. Invoicing

Xkro may issue invoices for its service fees directly to the applicable party. However, Xkro bears no responsibility for, and is unable to generate, invoices related to the sale of personal goods underlying a Transaction. Any such invoice must be obtained directly from the Seller.

14. Data Security

Xkro utilizes [insert name of protocol]—a security protocol designed to safeguard data through encryption, server authentication, and integrity checks for online communications. In addition, Xkro enforces account access security through user-specific credentials, requiring a valid user ID and password to access transactional data within the App. You agree to maintain the confidentiality of your password and not to share it with any third party. You are solely responsible for securing your login information and ensuring it is not compromised.

15. Assumption of Risk

You expressly acknowledge and agree that use of the Escrow Services is undertaken at your own risk. The services are provided strictly on an "as is" and "as available" basis, without warranties of any kind, whether express or implied.

16. Disclaimers

a.

Xkro does not guarantee the outcome of any transaction, the condition or quality of any item purchased through the App or Services, that the Services will meet your expectations, or that the App and Services will function without interruption, delays, or errors. Xkro also makes no assurances that its security systems are immune to breaches.

b.

Xkro expressly disclaims all warranties, whether express or implied, including, but not limited to, warranties of merchantability, fitness for a specific purpose, and non-infringement. Xkro is not responsible for any representations or promises made by Sellers. Any advice or information—oral or written—provided by Xkro does not create any warranty unless specifically included in these Terms.

17. No Third-Party Endorsement or Liability

You acknowledge that Xkro does not support or take responsibility for the content or services offered on any third-party websites or apps (including partner marketplaces). Xkro is not liable for inaccuracies, violations of intellectual property rights, fraud, or illegal activities that may arise through such third-party services. Your decision to use the Xkro platform and agree to its Terms is not based on any endorsement or affiliation with third parties.

Xkro is not responsible for the actions or failures of any third party, such as banks, payment processors, telecom providers, internet service providers, delivery services, software companies, or clearinghouses. Xkro also bears no liability for events beyond its control, including natural disasters, wars, strikes, acts of terrorism, utility outages, equipment failure, cyberattacks, or service disruptions.

18. Limitation of Liability

To the fullest extent permitted by law, Xkro, along with its affiliates, officers, employees, agents, suppliers, and partners, is not liable for any kind of damages or losses—whether direct, indirect, incidental, special, punitive, or consequential—that may arise from your use of or inability to use the App or Services. This includes, but is not limited to, loss of data, income, profits, business opportunities, use of property, or any claims by third parties, even if Xkro was warned such damages might occur.

Xkro's liability is limited in all cases except where damage is caused by its gross negligence or intentional misconduct. It is not liable for acting on instructions or communications that reasonably appear to be from you or your authorized agent. Xkro will not be responsible for any disputes between Buyers and Sellers under a separate agreement between those parties. Both Buyers and Sellers agree to these limitations. Termination of Services.

Xkro may suspend or terminate Your use of the App or Escrow Services at any time, without notice, for any reason, in Xkro's sole discretion. Xkro will attempt to provide You with prior notice of the suspension or termination of your Account or the Escrow Services by sending You an e-mail, but Xkro is not obligated to do so, and may not do so where there is a risk to the security, privacy or integrity of the Escrow Services. You shall remain liable for all Escrow Transactions You initiate through the App or Escrow Services prior to such termination, and the performance of Your obligations, including but not limited to, the delivery of the Goods or Seller Services and the payment of all amounts You owe prior to termination or discontinuation of Your use of the Escrow Services. You agree to pay all costs and expenses (including all reasonable attorneys' fees) that Xkro may incur in order to (a) collect any amounts You owe under the Xkro Terms of Service or (b) to initiate an arbitration or judicial proceeding to resolve a dispute between Buyer and Seller, as set forth in these Terms.

19. Non-Transferability of Services

You are not permitted to transfer or assign your rights or obligations under the Xkro Terms of Service—including the Transaction Escrow Instructions and any related agreements—to another individual or entity, except where required by law. You also may not sell, share, or otherwise transfer access to the Escrow Services without Xkro's prior written approval. Any attempted transfer or assignment without such approval will be considered invalid and unenforceable.

20. Changes to the Terms

Xkro reserves the right to update or modify any part of these Terms at any time and without prior notice. However, any updates will not apply retroactively to Transactions that have already been agreed to by the parties under their respective Transaction Escrow Instructions. The latest version of the Terms will always be made available within the App.

21. Communications

Xkro may send notices to you via email or by posting general announcements within the App. You may reach Xkro by submitting a support form or by using the most current contact email listed in the Terms available on the App.

22. General Provisions

If any disagreement, claim, or issue arises in connection with the Xkro Terms of Service or a Transaction, you agree to resolve it according to the dispute resolution procedures described in these Terms. These Terms are governed by the laws of the State of California, and any disputes will be handled under the jurisdiction and venue rules specified in the relevant section of these Terms. This document represents the complete agreement between you and Xkro concerning the subject matter discussed and overrides any previous agreements, discussions, or advertising related to it.

23. Xkro's Right to Assign

Xkro may transfer or assign these Terms to any of its current or future affiliates or to a successor organization. Additionally, Xkro may delegate some of its duties or rights under these Terms to third-party service providers.

24. Escrow Instructions

Once the Buyer and Seller have agreed to Escrow Instructions for a specific Transaction, both Buyer and Seller have agreed to the Transaction Escrow Instructions and these Terms by selecting the "Agree" button at the bottom of the Transaction Detail Screens, these instructions shall constitute a binding agreement between all parties. After Buyer and Seller both select the "Agree" button, the terms, conditions, and other details of the Transaction Detail Screens constitute the Transaction Escrow Instructions to govern the Transaction between the Buyer and Seller.

25. Shipping and Tracking of Purchased Items

a.

Upon receiving Buyer's cleared funds, and where the Goods is a physical item, Xkro will email/SMS/WhatsApp/Notify on App, the Seller to ship the Goods, where appropriate, which will require Seller to log on to the App to confirm secured funds. Upon Seller's verification, Seller shall ship the Goods to Buyer based upon information provided in the Buyer's profile or as otherwise provided in the Transaction Escrow Instructions, and Seller shall have the Goods insured for full value to Buyer. The Underlying Parties shall choose a shipping method that provides online tracking information. Seller will be responsible for all shipping damage if insurance is not available to cover the damage. Seller shall complete and submit the shipping information to the App on the same day on which the Goods is placed in the carrier's possession, confirmation of which shall be emailed to all Parties, unless they agree to a different method of notification.

b.

The Buyer Inspection Period shall be calculated in calendar days and shall commence upon the first to occur of either:

  1. Buyer's acknowledgment of receipt of Goods; or
  2. the App's receipt of verification of delivery to Buyer via the shipper's or registrar's tracking services.

c.

Unless otherwise expressly agreed to in writing by the Underlying Parties, if Seller has not shipped the Goods within 10 calendar days after Xkro sends notification (through email or posting on the App) of Buyer's deposit of immediately available funds, Buyer may request a return of the Escrowed Funds, minus the Escrow Fees, and Xkro will remit the funds back to Buyer after notifying the Underlying Parties.

d.

Unless the Underlying Parties agree otherwise, Buyer is responsible for any duties, customs fees or other charges resulting from an international Escrow Transaction, which shall be included in the purchase price. The shipping Party shall properly declare the Goods and its value for customs procedures.

e.

The Seller agrees to cooperate with and follow all additional instructions provided by Xkro to ship the Goods, not ship the Goods, or request return of the Goods, as directed by Xkro.

26. Buyer's Acceptance and Disbursement of Funds

a.

During the Buyer Inspection Period, Buyer must either click the "Accept" or "Reject" button and follow all further instructions on the App to accept or reject the Goods by following the instructions on the App. For the avoidance of any doubt, the Buyer also has the option to reject the Goods. For clarity, acceptance or rejection are executed by way of clicking on the relevant buttons on the App, clearly identifiable, confirming Buyer's acceptance or rejection of the Goods. In the event that the Buyer fails to either click the accept or reject button on the Xkro platform, or through a partner marketplace or to follow all further instructions, then Buyer shall be deemed to be satisfied with the Goods and deemed to have accepted it. Notwithstanding the foregoing, Buyer's clicking of the "Reject" button shall have no effect on Xkro's authority to close the Escrow Transaction or Seller's right to receive the Escrowed Funds as set forth above.

b.

Xkro will disburse the Escrowed Funds as follows:

  1. If Transaction Escrow Terms reflect that Buyer has agreed to pay for shipping and/or any portion of the Escrow Fees, then those costs shall be collected as Buyer's funds and remitted with the purchase price. At Close of Escrow, Xkro will pay Seller, from the Escrowed Funds, the purchase price and shipping fee itemized in the Escrow Transaction, less any payment for shipping fees (unless Seller has agreed to pay for shipping) and will disburse the Escrow Fees to Xkro.
  2. If the Transaction Escrow Terms reflect that Seller has agreed to pay for shipping and/or any portion of the Escrow Fees, then at Close of Escrow, Xkro will pay to Seller from the Escrowed Funds the purchase amount, less any fees due to Xkro, and less any other fees the Seller is obligated to pay. Shipping fees will be deemed paid outside of the Escrow Transaction.

c.

If a Buyer Inspection Period ends without Buyer's involvement, Xkro at its sole discretion may provide Buyer notice regarding the ending of the Inspection Period within 24 hours. Xkro is under no obligation to provide such 24-hour notice and shall not be liable if such notice is not provided. It is always the Buyer's ultimate responsibility to login to the Buyer's Account in the Xkro system and check the status of their transaction.

d.

Where a Buyer uses the Escrow Services through a partner marketplace, then the Buyer must click the accept or reject button for the Escrow Transaction on that partner marketplace and follow all instructions from Xkro in relation to the Escrow Transaction.

27. Buyer Rejection Process

a.

Buyer is responsible for all Escrow Fees if the Escrow Transaction is cancelled, or the Goods returned. During the Buyer Inspection Period, Buyer may reject for any reason by clicking the "Reject" button and follow all other instructions on the App for rejecting the Goods. Upon such rejection, Xkro will email Seller concerning Buyer's rejection and return of the rejected Goods. Buyer shall promptly return the rejected Goods to Seller within 10 calendar days after receiving notice of the rejection, and shall insure, at Buyer's expense, the returned Goods's value during shipment to the place designated in Seller's profile. Buyer shall be responsible for shipping the rejected Goods at Buyer's expense (unless otherwise agreed by the Parties). For the avoidance of doubt, it is the Seller's responsibility to notify Xkro of any change of address as soon as possible. If Seller does not advise Xkro of Seller's change of address in writing at least 48 hours prior to a rejection of Goods under this Section, Seller agrees that Seller's last known address as contained in the records of Xkro will be Seller's current address for the purposes of this Section. Seller must reasonably cooperate to allow the opportunity for Buyer to return the rejected Goods if Buyer timely rejects the Goods. Seller agrees it will not take steps to avoid the return of rejected Goods. Buyer will be responsible for all shipping damage if insurance is not available for any reason to cover such damage. Buyer is aware that the Goods must be rejected in the manner described in these Terms to obtain a refund.

b.

If Buyer rejects Goods in violation of these Terms or any other terms of acceptance and rejection applicable to the Transaction, Seller shall not be prohibited by these Terms from pursuing any available right or remedy against Buyer available under Applicable Law.

c.

Buyer acknowledges and agrees that regardless of the reason for rejection, Buyer must return the rejected Goods to Seller for Escrowed Funds to be returned to Buyer. If Buyer fails to return the rejected Goods in accordance with these Terms within the specified time-period, Xkro is hereby authorized to pay Seller the Escrowed Funds, minus the Escrow Fees.

d.

If the Transaction involves a domain name and Buyer rejects the domain name within the Buyer Inspection Period, unless the domain name is being held by Xkro pursuant to a written agreement, Buyer must cause return of the domain name to Seller within 10 calendar days of Buyer's rejection. If Buyer fails to cause return of the domain name timely, Xkro is hereby authorized to pay Seller the Escrowed Funds minus the Escrow Fees. Seller shall cooperate in the return process of the domain name. In the event the domain name transfer to Buyer has caused the Internet Corporation for Assigned Names and Numbers (ICANN) to impose a registrar lock, Seller will open an account at the receiving registrar to take possession of the domain name or the Escrowed Funds will continue to be held in escrow until this period expires and the domain name can be returned to Seller's registrar.

28. Authentication Services

a.

The following additional terms apply to Escrow Transactions that are referred to Xkro from an external online marketplace, including but not limited to eBay, where that marketplace applies an authentication service to Goods that is subject of an Escrow Transaction.

b.

Where Goods subject to an Xkro Transaction is purchased through an external marketplace, and where Xkro is used as a method of payment, the Underlying Parties will be bound by the Goods authentication rules and procedures of that external marketplace, when completing the Xkro Escrow Transaction.

c.

The relationship between the Underlying Parties and the referring external marketplace and Goods authentication service is independent of the relationship between the Underlying Parties and Xkro where it concerns the Xkro Escrow Transaction. In no circumstances will Xkro be liable for any loss suffered by the Underlying Parties resulting from the Underlying Parties' engagement with an external marketplace or Goods authentication service.

d.

When an external marketplace has a Goods authentication service and the Underlying Parties engage with that authentication service, the following will generally apply:

  1. When the authentication service and external marketplace determine that the Goods that is the subject of the Escrow Transaction is unauthentic or when authentication is unsuccessful, it is the responsibility of the Underlying Parties to engage with the authentication service and external marketplace to ensure the Goods is returned to the Seller.
  2. When the authentication service and external marketplace determine that the Goods subject of the Xkro Escrow Transaction is authentic or when authentication is successful, it is the responsibility of the Underlying Parties to engage with the authentication service and external marketplace to ensure the Goods is received by the Buyer. A determination made that the Goods is authentic or that authentication is successful will not affect the Buyer Inspection Period, and Buyer may reject the Goods for any reason by clicking the "Reject" button and following all other instructions on the App for rejecting the Goods.

e.

When Buyer rejects the Goods and the external marketplace and authentication service require re-authentication of the Goods before it can be returned to the Seller, the Buyer must follow all instructions from the external marketplace and authentication service as to where to return the Goods for re-authentication. The Buyer must not return the Goods directly to the Seller when the external marketplace and authentication service require the Goods to be re-authenticated prior to the rejected Goods being returned to the Seller. When Xkro receives confirmation from the external marketplace that the rejected Goods has been successfully re-authenticated and returned to the Seller, Xkro will return funds to the Buyer in accordance with Applicable Law.

f.

In any event, the maximum number of times the authentication process can occur will be determined by the external marketplace and Goods authentication service, which operate independently of Xkro.

g.

The Underlying Parties authorize Xkro to rely on information it receives from the external marketplace and authentication service regarding the authenticity and location of the Goods, in deciding when to release funds to the Seller or return funds to the Buyer, to the extent permitted by Applicable Law.

h.

The Underlying Parties agree that when Goods is transacted through an external marketplace using Xkro as the payment method, Xkro will rely on information it receives directly from that external marketplace when deciding the status of an Xkro Escrow Transaction and whether to disburse Escrowed Funds.

i.

When the Underlying Parties use Xkro in connection with a transaction on an external marketplace and use its authentication service, Xkro shall in no circumstance be liable for goods that are not returned or in any way damaged or altered in connection with the authentication service or involvement of external marketplace in the Escrow Transaction.

j.

When Goods that is subject of an Escrow Transaction is transacted using an external marketplace, and an authentication service is used in connection with that external marketplace, this authentication service is managed and operated exclusively by that external marketplace and not by Xkro. To the extent permitted by Applicable Law, it is the sole and independent obligation and duty of the Underlying Parties to satisfy any and all obligations to the external internet marketplace and authentication service in connection with the Xkro Escrow Transaction.

29. Shipping and Tracking of Returned Item

a.

Following rejection of Goods in accordance with these Terms, Buyer shall ship rejected Goods to Seller at its address designated in Seller's profile.

b.

Immediately upon shipping the rejected Goods to Seller, Buyer shall complete and submit, through the App, the requested shipping information. Upon receipt of the shipping information, Xkro will email Seller the name of the carrier and tracking number supplied by Buyer. If Buyer effects the return of rejected Goods without following the guidelines in these Terms, then in addition to any other remedies that Xkro or Seller may have, Xkro will not return to Buyer any of the Escrowed Funds unless and until: (i) Seller confirms that the rejected Goods has arrived in the same condition in which it was originally sent by Seller; or (ii) there is a final Dispute Resolution, as specified in the Dispute Resolution section below, that requires Xkro to return any Escrowed Funds. Should no shipping be necessary for the return, then Seller and Buyer shall be free of the shipping and tracking obligations.

c.

The Seller Inspection Period shall commence upon the first to occur of either: (i) Seller's acknowledgment of receipt of Goods; (ii) Xkro's receipt of verification of delivery to Seller's correct address via the shipper's or registrar's tracking services; (iii) Seller's failure to accept Buyer's returned item in accordance with these Terms; or (iv) Seller's failure to retrieve the returned Goods upon notification from the carrier and/or any governmental office of availability. Seller shall have five (5) calendar days following the date on which the Seller Inspection Period begins to inspect the returned Goods.

30. Seller's Acceptance or Rejection of Return; Disbursement of Funds

a.

Seller shall have five (5) calendar days following the date on which the Seller Inspection Period begins to click the "Accept" or "Reject" button and follow all further instructions on the App to accept or reject returned Goods.

b.

During the Seller Inspection Period, should Seller:

  1. fail to click either the "Accept" or "Reject" buttons; or
  2. fail to follow all instructions to effectuate the acceptance or rejection of the returned Goods, then at the end of the Seller Inspection Period, Seller shall be deemed to be satisfied with the quality of the returned Goods and shall be deemed to have accepted it.

c.

Seller may reject the timely return of returned Goods only if it is returned in a condition other than the condition when first sent to Buyer. Should Seller reject the Goods during the Seller Inspection Period, the Underlying Parties shall negotiate during the Negotiation Period. Should they fail to provide a joint instruction during the Negotiation Period to Xkro, either of the Underlying Parties may institute binding arbitration ("Arbitration") (in accordance with the Dispute Resolution section below) at any time within fourteen (14) calendar days following the Negotiation Period. If, as of the 15th calendar day following the end of the Negotiation Period, neither of the Underlying Parties has instituted Arbitration with notice to the other Parties, then Seller shall be deemed to have waived its rights to a return of all or any portion of the purchase price, the Escrow Transaction shall terminate, and Xkro shall return the Escrowed Funds, less the Escrow Fees, as provided herein.

d.

Upon the first to occur of either: (i) Seller's acceptance of the returned Goods; (ii) the end of the Seller Inspection Period; or (iii) on the 15th calendar day following the Negotiation Period the failure of either Underlying Party to institute Arbitration and notify all Parties, Xkro will disburse the Escrowed Funds as follows:

  1. If the Transaction Escrow Terms reflect Buyer's agreement to pay for shipping and/or any portion of the Escrow Fees, Xkro will pay Buyer the purchase price, less these costs, and Xkro will pay Seller for the shipping fee in the amount set forth in the Transaction Escrow Terms, disburse the Escrow Fees to Xkro and the balance to Buyer.
  2. If the Transaction Escrow Terms reflect Seller's agreement to pay for shipping and/or any portion of the Escrow Fees, then Xkro shall pay Buyer the Escrowed Funds, minus the Escrow Fees.
  3. If the Underlying Parties agreed that the item will not be shipped to Buyer prior to the Close of Escrow, then Xkro will not deduct shipping fees.

e.

Once all costs are paid and funds are disbursed, the Escrow Transaction shall be deemed cancelled, with no further obligation due by the Parties under the Transaction Escrow Terms. Xkro reserves the right and while under no obligation may provide Seller up to 48 hours' notice if an Inspection Period has ended without Seller's involvement.

31. Cancellation and Refund

a.

Once Escrowed Funds have been deposited, if Seller fails to ship the Goods within the required 10-day period or within any longer time period upon which the Underlying Parties have agreed, except to the extent an earlier refund is required by Applicable Law, Buyer may request a refund of the Escrowed Funds through the support form on the App. Upon such request, Xkro shall be entitled to retain the Escrow Fees. Seller may request the Escrow Transaction be cancelled and the Buyer refunded, less Escrow Fees, at any time until shipment. Seller may not cancel a domain name Escrow Transaction after the domain name has been secured in Xkro's holding account. In the event of a cancellation after Escrowed Funds are received, or rejection of the Goods.

b.

In the event a Buyer has successfully completed payment for an Order and thereafter, the Seller’s account and/or device is blocked, restricted by Xkro for any reason whatsoever, Xkro shall have the right to cancel the affected Order or Escrow Transaction.

In such circumstances, Xkro may initiate a refund of the amount paid by the Buyer, which shall be credited exclusively to the Buyer’s Xkro Wallet in accordance with Section 33 of these Terms.

Such credit to the Xkro Wallet shall constitute full and final settlement of the cancelled Order and Xkro shall not be liable for any indirect, consequential, incidental, special, or additional claims arising from the Seller’s suspension, restriction, termination, or device blocking.

32. Dispute Resolution

a.

If a dispute, claim, question, disagreement, or breach (collectively, "Disputes") occurs between the Underlying Parties concerning the Escrow Transaction, or any aspect of the Escrow Services, the Underlying Parties shall promptly notify Xkro in writing and use their best efforts during the Negotiation Period to resolve the Dispute. If they do so, they shall promptly notify Xkro by joint instruction of the resolution terms. If they are unable to do so, they shall submit the matter to Arbitration, the venue of which shall be Mumbai. The Underlying Parties agree that Xkro shall not be made a party to such proceeding merely because they hold or have released money to either of the Underlying Parties.

b.

If any Dispute occurs between an Underlying Party and Xkro or concerning the Escrow Services, the Parties agree to submit to a sole arbitrator in Mumbai. An Underlying Party with such Dispute must promptly notify Xkro of the Dispute in writing. The Underlying Party and Xkro will use their best efforts during the Negotiation Period to resolve the Dispute. If the Parties are unable to resolve the Dispute during the Negotiation Period, they shall submit the matter to Arbitration which will be conducted through Video Conference.

c.

Subject to the arbitration clause, the Courts of Mumbai shall have exclusive jurisdiction.

33. Payments

a.

All Escrowed Funds payable to one of the Underlying Parties shall be paid as soon as possible to the applicable Account following Buyer's acceptance, Seller's acceptance, or the resolution of a dispute. If Buyer overpays, Xkro shall reimburse the overpayment upon the Close of Escrow. If an Underlying Party is overpaid, the recipient shall promptly return the overpaid amount to Xkro. The recipient shall also pay any postage costs and/or wire fees if an alternate payment is requested. The Underlying Parties shall also hold Xkro harmless from any loss arising from currency conversion.

b.

If Buyer chooses credit card as the method of payment, Xkro may charge Buyer's credit card when Buyer selects the Form of Payment. Buyer shall provide documentation to validate identity. Xkro may refuse a credit card or other form of payment for any reason and need not disclose the reason. If refusal occurs, the Escrow Transaction shall be considered cancelled twenty (20) calendar days after Xkro's notification to Buyer of the refusal and Buyer's failure to cure within that period. All Escrowed Funds disbursements shall be made by mailing a regular check, unless otherwise requested by the payee. Alternatively, the payee may receive a credit back to a credit card or other payment source if authorized to do so by the credit card company or other payment source.

c.

Payments made by check shall be subject to a 10-day hold.

d.

Due to processing delays, payments by credit card, debit card or PayPal Account shall not be on deposit with Xkro until the day on which the funds are actually deposited into Xkro's designated account.

e.

Xkro does not accept forwarding or 'pushing' of ACH payments to escrow accounts. An ACH payment will only be accepted where it has been expressly approved and authorized by Xkro in writing and in advance of that ACH payment being made. Where the Underlying Parties request approval for payment by ACH, and where this method of payment is approved by Xkro for an Escrow Transaction, the ACH payment will be initiated by Xkro or its payment gateway and not by the Underlying Parties. In no circumstances will an ACH payment be accepted as a valid payment where it is forwarded, initiated, or 'pushed' into an escrow account by the Underlying Parties to an Escrow Transaction. It is understood that any ACH transaction must comply with U.S. laws and NACHA rules. Except as required by Applicable Law, Xkro is not responsible for any errors in the completion, accuracy, or timeliness of any transfer properly initiated by Xkro in accordance with joint written instructions occasioned by the acts or omissions of any third-party financial institution or a party to the transaction, or the insufficiency or lack of availability of Your funds on deposit in an external account. In the instance that a refund is required from a transaction funded via ACH, Xkro requires the party responsible for funding the transaction to submit a recall request from the originating institution. If the institution is unable to execute a recall, we must receive written notification stating that the institution cannot perform a recall. With further consideration, a refund may be executed by Xkro.

f.

Upon any payment or other disposition of the Escrowed Funds, the Escrow Transaction shall be deemed closed and final with no further obligation by the Parties. If after an Escrow Transaction is closed and Xkro has distributed proceeds, a Buyer (who has made a payment by ACH or credit card instructs the bank or card issuer to stop payment or make a charge back so that Xkro does not receive the payment or the previous credit from the bank or card issuer is reversed or "charged back", Buyer shall be deemed to have materially breached these Terms. If such breach occurs after the Escrow Transaction closes, damages in the amount of the stopped payment, reversal or chargeback plus an additional amount equal to Xkro's actual costs, losses, or damages as a result of such stopped payment, reversal or chargeback will be imposed, which amount is reasonable in light of (i) the anticipated or actual harm caused by the breach; (ii) the difficulties of proof of loss; and (iii) the inconvenience or non-feasibility of otherwise obtaining an adequate remedy.

34. Escrowed Funds

a.

Xkro will hold Escrowed Funds in a non-interest-bearing deposit account. The maintenance of such accounts may result in Xkro's or its Affiliates' receiving certain bank services or other benefits by the bank or financial institution, none of which shall redound to the Underlying Parties' benefit.

b.

Subject to fulfillment of the Escrow Services, We shall be free to invest or utilize the Escrow Funds in any manner we deem fit, without any prior intimation to, or consent of, the Parties.

c.

Xkro will appropriate unclaimed Escrowed Funds in accordance with Applicable Law.

35. Changes to Contact Information

You agree to notify us immediately of any changes to Your contact information, including Your email address, residential, business and/or mailing address, and telephone number(s), so that all Your records at Xkro can be updated accordingly. You authorize us to send information and inquiries to the email address we have on file for Your Account.

36. Indemnification

a.

The Underlying Parties shall indemnify, defend and hold harmless Xkro, its Affiliates and the respective officers, directors, shareholders, employees and assigns of Xkro and its Affiliates from, against and in respect of any and all third party tort claims, suits, actions, and proceedings (collectively, "Claims") to the extent that such third-party Claims arise from the negligent acts, errors, or omissions of the Underlying Parties relating to the use of the Escrow Services or a breach of the Xkro Terms of service, including: non-payment or insufficient payment of Escrow Fees or any other charge; any chargeback from a card organization; or reversal or nonpayment of any credit or debit entry. The foregoing also applies to all judgements, settlements, liabilities, damages, demands, taxes, charges, expenses and legal and other expenses (including without limitation reasonable legal fees and expenses of attorneys), arising out of such third-party Claims. The indemnification obligation shall be due from the Underlying Party(ies) causing the harm to Xkro. If more than one Underlying Party owes an indemnification obligation, the obligation shall be joint and several. The foregoing indemnities shall survive the termination of these Terms.

b.

You further agree to release, indemnify, and hold Xkro, including its Affiliates, and our respective officers, directors, shareholders, employees and assigns harmless from and against all liability, claims, damages, actions or losses caused by or arising from Your conduct in connection with:

  1. all losses or costs suffered or incurred by Xkro, including Disputes.
  2. any failure by You to pay fees.
  3. any failed or cancelled Escrow Transaction including for the avoidance of doubt any chargebacks from a card organization or reversal or nonpayment of any credit or debit entry.
  4. any misrepresentation, breach of contract or failure of consideration in relation to Your dealings with a Party including for the avoidance of doubt, any dispute(s).
  5. any failure by You to provide correct information to us.
  6. any failure by You to update Your personal or business contact information in accordance with these Terms.
  7. Any breach by You of Your obligations under or in connection with these Terms.

37. Communications Among Parties

Unless otherwise agreed by all Parties or specified herein, all communications with Xkro shall be via the App or email or WhatsApp or SMS.

38. Identification

a.

Xkro shall create, issue and verify Digital IDs for all Underlying Parties. In accordance with these Terms and California Civil Code §1633.9, the Uniform Electronic Transaction Act, and similar laws, Digital IDs shall be considered "electronic signatures" attributable to the person as if the Digital ID were the act of the person, and may be shown in any manner, including any security procedure employed for verification purposes.

b.

Digital IDs are attached to all accepted electronic documents and notification emails. Buyer's Digital ID is attached to all accepted documents when Buyer clicks the "Agree" button. Seller's Digital ID is attached to all electronic documents when Seller clicks the "Agree" button and documents are transmitted from Seller to the App. Notwithstanding anything to the contrary, Xkro may require ink signatures on hard copy documents, including any or all of the Transaction Escrow Terms.

c.

Xkro is committed to adhering to all applicable Anti-Money Laundering and Terrorism Financing Laws. To comply with the regulatory obligations and global economic and other sanctions, we conduct screening and comply with the requirements of Applicable Law.

d.

We will collect information about Your identity such as Your full name, date of birth, residential address, and identification number, where applicable and verify the information electronically or using documents we obtain from You.

e.

For us to confirm Your identity electronically, we may disclose Your personal information to an identity verification service.

f.

For a non-individual (such as a corporation, partnership, or trust), You must provide to us documents showing the legal existence of the entity.

g.

While Your identity is being confirmed, or if we are unable to confirm Your identity, we may be unable to provide the requested Escrow Services.

39. Xkro's Rights; Disputes

a.

If Xkro believes that the Escrow Transaction violates the Xkro Terms of Service or may violate Applicable Law, then it may terminate the Escrow Transaction and, in Xkro's sole discretion, may seek relief in a judicial proceeding or take other actions it deems appropriate.

b.

If any Dispute between the Underlying Parties is not resolved within a reasonable time, as determined by Xkro, or a conflicting demand is made upon it, Xkro may demand Arbitration or institute a judicial proceeding or take other actions it deems appropriate.

40. Authority

The natural person who clicks the "Agree" button on behalf of an Underlying Party certifies that he/she: (a) is of majority age in the jurisdiction in which he/she resides; (b) has read and agrees to be bound by the Xkro Terms of Service; and (c) has authority to act for the entity which he/she is representing.

41. No Representations or Warranties

Xkro makes no representation or warranty concerning, and assumes no responsibility for, the legality of the Transaction or the Escrow Transaction, the condition of the Goods purchased and sold, sufficiency of instruments conveying ownership, or agreements therefor. Payment of sales tax, utilities, performances of the Underlying Parties, transfer of insurance policies or warranties, legality of the Transaction and Escrow Transaction or legal effect thereof or any other matters not expressly covered in the Xkro Terms of Service are deemed outside of the Escrow Transaction, and neither Xkro nor any of its Affiliates shall have any responsibility therefor.

42. Survival

All provisions of the Transaction Escrow Terms that contemplate performance or abstention following termination of the Escrow Transaction, and all rights and remedies that accrue before termination, shall survive termination. This specifically includes, but is not limited to, the Dispute Resolution provisions of these Terms.

43. Reasonable Lawyer's Fees and Expenses

In any formal legal action, lawsuit, or Arbitration to enforce or that otherwise concerns the Escrow Transaction or the Transaction, the prevailing Party shall recover its reasonable attorneys' fees and expenses from the losing Party incurred in Arbitration, trial court, appellate, mediation, bankruptcy, any counterclaim to a lawsuit filed by the other party and proceedings to fix the reasonable amounts of attorneys' fees and expenses. The Arbitrator shall award reasonable attorneys' fees and expenses incurred in the Arbitration to the prevailing Party against the losing Party. Attorneys' fees and expenses include fees and expenses of Xkro's inhouse counsel.

44. Severability

If any provision of the Transaction Escrow Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

45. Headings

Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

46. Force Majeure

If a Party's performance of its obligations under the Xkro Terms of Service is impeded by any condition beyond that Party's reasonable control, including an act of God such as earthquake, hurricane, tornado, flooding, or other natural disaster, or in the case of war, action of foreign enemies, terrorist activities, labor dispute or strike, government sanction, blockage, embargo, or failure of electrical service or electronic or communication systems, or the similar conditions or epidemics, pandemics or outbreak of communicable disease; quarantines; international, national or regional emergencies; or any other cause, whether similar in kind to the foregoing or otherwise, beyond the party's reasonable control ("Force Majeure Condition"), the affected Party will be excused from performance and shall resume performance promptly on cessation of the Force Majeure Condition, providing notice of the circumstances and updates to all other Parties.

47. Non-Waiver

Xkro's failure to exercise or enforce any right or provision of the Transaction Escrow Terms shall not waive such right or provision unless agreed to by Xkro in writing.

48. Questions about the Services

You may inquire about payments made through the Escrow Service by calling the toll-free number that appears on the App or by filling out the customer service form (https://www.Xkro/contact-us). If You believe an error has been made or there has been any unauthorized use of Your Account or the Escrow Services, You agree to call or send an e-mail as soon as possible, but no later than forty-eight (48) hours after You become aware of an error. When You contact Xkro, please be prepared to provide Your name, Xkro reference number and the email address You have registered on the Xkro App.

49. Continuing Agreement

If You are a registered User of the App, each time You request the Escrow Services will constitute Your agreement to these Terms, as amended from time to time in Xkro's sole discretion, and evidence that You have read, understood and accepted the then applicable terms of using the Xkro platform.

50. Incorporation by Reference

These Xkro App Terms include the Privacy Policy which is incorporated herein by this reference and the Parties rights and obligations are subject to those provisions.

51. Signature Confirmation by Parties to these Terms and Conditions

Each Parties' respective acknowledgement to these Terms by acknowledgement of the same on the App constitutes each Party's signature and agreement to these Terms.

52. Electronic Signatures

For purposes of the Xkro Terms of Service, "electronic signature" means any electronic sound, symbol, or process attached to or logically associated with a record that is executed and adopted with the intent to sign such record. Specifically, You agree that an electronic signature includes, without limitation, typing your name, or clicking a checkbox or button labeled "I agree" (or similar words). Additionally, You specifically agree that the electronic signatures included in these Terms are intended to authenticate the Xkro Terms of Service and have the same force and effect as manual signatures in accordance with, and to the fullest extent permitted by, the Uniform Electronic Transactions Act and all similar laws.

53. Consent to Electronic Communications

You acknowledge and agree that Xkro may send you all communications and documents related to the Services electronically, unless and until you choose to withdraw your consent as described below. This includes, but is not limited to, legal disclosures, notices, agreements (including this one and any updates or modifications), privacy and security policies, responses to your requests or complaints, account-related messages, and any other documents required by law or the Xkro Terms of Service ("Communications").

While you agree to receive these Communications in electronic format, Xkro may still, at its sole discretion, require you to submit documents in paper form or other non-electronic formats if needed.

Xkro also reserves the right to stop providing Communications electronically at any time and will notify you in accordance with applicable law if that happens. Although Xkro is not obligated to do so, it may also send paper versions of electronic documents you've agreed to receive.

Electronic Communications may be delivered via email, through the App, on a mobile app, or by SMS/text message if you've opted into text communication.

To access and store these electronic Communications, you must have:

  1. a device with Internet access capable of running a current version of Chrome, Safari, Firefox, or Internet Explorer;
  2. enough storage space on your device or in the cloud;
  3. a valid email address; and
  4. access to a printer if you wish to keep hard copies.

By agreeing to receive electronic Communications, you confirm that you have these tools and capabilities.

You understand that for all legal and contractual purposes, electronic messages sent by Xkro will be treated as if provided in writing. You should save or print copies of any Communications for your records.

You may revoke your consent to receive Communications electronically at any time by notifying Xkro by email. Your withdrawal becomes effective once Xkro has received and processed your written notice. Any Communications sent before your withdrawal remain legally valid and enforceable.

However, you acknowledge that if you withdraw this consent, your access to and use of the Escrow Services will be terminated.

Contact Information

For any questions or concerns regarding the privacy policy, please send us an email to: