Privacy Policy

Effective Date: [01/09/2026]
Last Updated: [01/09/26]

PakEscrow.net ("PakEscrow", "we", "us", or "our") operates an online escrow service that helps buyers and sellers conduct transactions with greater security and confidence.

This Privacy Policy explains what personal information we collect, how we use it, when we share it, how we protect it, and the choices available to you when you use the PakEscrow website, applications, and services.

By accessing or using PakEscrow, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

Depending on how you use PakEscrow, we may collect the following categories of information.

1.1 Account Information

When you create an account, we may collect:

Full name

Email address

Mobile/telephone number

Username or account information

Password and authentication information

Account preferences

Profile information

1.2 Transaction Information

When you create, participate in, or complete an escrow transaction, we may collect information such as:

Transaction amount

Transaction reference or ID

Buyer and seller information

Description of the transaction

Product or service information

Payment status

Escrow status

Release, refund, cancellation or dispute information

Messages or information exchanged in connection with a transaction

Supporting documents or evidence submitted during a dispute

1.3 Payment Information

Depending on the payment method you select, payments may be processed by third-party payment providers, banks, financial institutions, mobile-wallet providers, or other payment partners.

We may receive information necessary to identify and reconcile a payment, such as:

Payment reference number

Transaction ID

Payment status

Payment method

Amount paid

Date and time of payment

Limited payment-related information provided by the payment processor

Where payment-card information is processed directly by a third-party payment provider, PakEscrow does not intentionally store complete card numbers or card security codes on its own servers.

Our actual payment providers may have their own privacy policies and terms that apply to their processing of your information.

1.4 Identity Verification Information

To prevent fraud, comply with applicable requirements, protect users and secure transactions, we may request identity or verification information where appropriate.

This may include:

National identity information

Identification documents

Business information

Proof of ownership or authorization

Information required for fraud prevention or transaction verification

We will only request such information when reasonably necessary for the relevant service, transaction, verification or security purpose.

1.5 Communications

If you contact us or communicate through our platform, we may collect and retain:

Emails

Support requests

Chat messages

Transaction-related communications

Dispute communications

Other information you voluntarily provide to our support team

1.6 Technical and Usage Information

When you access PakEscrow, we may automatically collect certain technical information, including:

IP address

Browser type

Device type

Operating system

Approximate location derived from IP address

Pages visited

Referring pages

Date and time of access

Login activity

Security and diagnostic information

Cookies and similar technologies

We use this information to operate, secure and improve the platform.

2. How We Use Your Information

We may use your information to:

Create and manage your account

Provide escrow services

Process and reconcile transactions

Facilitate payments and refunds

Communicate with buyers and sellers

Verify accounts and transactions

Prevent fraud, scams, abuse and unauthorized activity

Investigate disputes

Provide customer support

Maintain and improve our website and services

Monitor platform security

Detect and investigate suspicious activity

Send important service-related notifications

Comply with applicable laws and lawful requests

Enforce our Terms and Conditions

Protect the rights, property and safety of PakEscrow, our users and other parties

We do not use personal information for purposes unrelated to the operation of our services unless permitted by law or otherwise disclosed to you.

3. Escrow Transactions and Information Sharing

PakEscrow may need to share certain information with parties involved in an escrow transaction.

For example, information may be shared with a buyer, seller, payment provider, verification provider, dispute-resolution personnel, or other service provider when reasonably necessary to complete or secure a transaction.

We do not provide users with unnecessary personal information belonging to another user.

The information visible to another transaction participant may depend on the type of transaction and the features used on PakEscrow.

4. Service Providers

We may use trusted third-party companies and service providers to help us operate PakEscrow.

These may include providers of:

Payment processing

Banking and financial services

Identity verification

Fraud prevention

Hosting and cloud infrastructure

Email and SMS delivery

Customer support

Analytics

Security monitoring

Website performance services

These providers may process personal information only to the extent necessary to provide services to us or as otherwise permitted by applicable law.

5. Legal and Regulatory Disclosure

We may disclose personal information when we reasonably believe disclosure is necessary to:

Comply with applicable law

Respond to a valid legal process, court order or lawful government request

Investigate suspected fraud or illegal activity

Protect the security of PakEscrow

Enforce our Terms and Conditions

Protect the rights, property or safety of PakEscrow, our users or others

We may also retain transaction records where retention is necessary for legal, accounting, fraud-prevention, dispute-resolution or business purposes.

6. Cookies and Similar Technologies

PakEscrow may use cookies and similar technologies to:

Keep users logged in

Remember preferences

Maintain security

Understand how users interact with our website

Improve website performance

Detect suspicious activity

Analyze website usage

You may be able to control cookies through your browser settings. Disabling certain cookies may affect the functionality of some parts of PakEscrow.

7. Data Security

We take reasonable technical and organizational measures to protect personal information against unauthorized access, loss, misuse, alteration or disclosure.

Depending on the nature of the information, security measures may include:

Encryption during transmission

Access controls

Authentication mechanisms

Server and application security controls

Monitoring and logging

Security updates

Restricted employee access

Backup and recovery procedures

However, no internet-based service can guarantee that information will always be completely secure.

You are also responsible for protecting your account credentials and should immediately contact us if you believe your account has been accessed without authorization.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

Provide our services

Maintain your account

Complete and document transactions

Resolve disputes

Prevent fraud

Maintain security

Comply with legal, accounting or regulatory obligations

Enforce our agreements

Deleting your account does not necessarily mean that all information will immediately be deleted. Certain transaction, financial, security or legal records may need to be retained for an appropriate period.

When information is no longer reasonably required, we may delete, anonymize or securely dispose of it.

9. Your Privacy Choices and Rights

Subject to applicable law, you may contact us to:

Request access to certain personal information we hold about you

Request correction of inaccurate information

Request deletion of information where appropriate

Request information about how your information is used

Close your account

Withdraw certain consents where processing is based on consent

Some requests may be subject to legal, security, fraud-prevention or transaction-record requirements.

We may need to verify your identity before processing certain requests.

10. Account Security

You should keep your password, authentication codes and other account credentials confidential.

PakEscrow will not normally ask you to provide your account password through email or unsolicited messages.

If you believe that your account or personal information has been compromised, contact us immediately at:

Email: [PRIVACY/SECURITY EMAIL]

11. Children's Privacy

PakEscrow is not intended for children who are below the minimum age permitted to use our services under applicable law.

We do not knowingly collect personal information from children in circumstances where such collection is prohibited by applicable law.

If you believe a child has provided personal information to us improperly, please contact us so that we can review and take appropriate action.

12. International Data Processing

Some of our service providers may process or store information outside Pakistan.

Where information is transferred to another country, we will take reasonable measures to protect the information and require our relevant service providers to maintain appropriate safeguards, subject to applicable law.

13. Third-Party Websites and Services

PakEscrow may contain links to third-party websites, payment services or other external services.

This Privacy Policy does not govern the privacy practices of third parties.

You should review the privacy policies of those services before providing personal information to them.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, technology, legal requirements or business practices.

When we make changes, we will update the "Last Updated" date at the top of this page.

Where appropriate, we may also notify users through the website, email or other reasonable means.

15. Contact Us

If you have questions, concerns or requests regarding this Privacy Policy or the way PakEscrow handles personal information, please contact us:

PakEscrow
Website: https://pakescrow.net
Email: [xydigisolutions@gmail.com]
Address: [Pakistan]

For privacy-related requests, please include enough information for us to identify your account and understand your request.

16. Acceptance

By using PakEscrow, you acknowledge that you have read and understood this Privacy Policy.

This Privacy Policy should be read together with our Terms & Conditions, Refund Policy and other policies applicable to your use of PakEscrow.