EgaFind
Legal & Compliance

Privacy Policy

Learn how EgaFind collects, uses, protects, shares, and retains personal information across account creation, verification, bookings, payments, escrow transactions, chat, location-based services, and dispute resolution.

This Privacy Policy explains how EgaFind handles identity data, location data, wallet and escrow activity, messages, uploaded content, verification records, transaction history, dispute evidence, and other information processed when you use the EgaFind website, mobile apps, APIs, and related services. It also explains your rights, our retention periods, our security practices, and how to request account deletion.

Overview

  • ## EGAFIND LEGAL & COMPLIANCE PACK – CORRECTED & COMPLETED VERSION
  • ## Document Index
  • 1. Privacy Policy
  • 2. Terms of Service
  • 3. Dispute and Refund Policy
  • 4. Seller and Artisan Agreement
  • 5. Cookie Policy
  • 6. KYC and Verification Policy
  • 7. Anti-Money Laundering Policy
  • 8. Acceptable Use Policy
  • 9. Data Processing Agreement (DPA)
  • 10. Mutual Non-Disclosure Agreement
  • 11. API Terms of Service
  • 12. Enterprise Partner Agreement
  • 13. White-Label Licensing Terms
  • 14. Investor Pitch Legal Appendix
  • 15. Compliance Audit Checklist
  • ---
  • ## 1. Privacy Policy for EgaFind
  • **Effective Date:** April 22, 2026
  • **Last Updated:** April 22, 2026
  • EgaFind is a digital platform that connects customers with artisans, service providers, merchants, and other business participants for service discovery, booking, marketplace transactions, secure communication, escrow-supported payments, and related operational workflows. This Privacy Policy explains how EgaFind collects, uses, stores, shares, and protects personal information when individuals access the EgaFind mobile application, website, APIs, integrations, support channels, and any connected services.
  • This Privacy Policy applies to information collected from customers, artisans, sellers, delivery participants, enterprise users, prospective business partners, support contacts, and visitors who interact with EgaFind. By using EgaFind, you acknowledge that your information may be processed as described in this Policy.
  • ### 1. Scope and Role of EgaFind
  • EgaFind operates as a multi-sided digital platform. Depending on the context, EgaFind may act as a data controller, joint controller, or processor. EgaFind generally determines the purposes and means of processing for account administration, platform security, trust and safety systems, fraud prevention, dispute management, communications, and service delivery functions. For certain enterprise or API-enabled services, EgaFind may process data on behalf of a business customer or integration partner under a separate agreement.
  • ### 2. Categories of Information We Collect
  • #### 2.1 Account and Identity Information
  • We may collect names, usernames, profile details, phone numbers, email addresses, profile images, passwords or authentication credentials, account settings, service categories, business identity details, and other onboarding information supplied when a user creates or updates an account.
  • #### 2.2 Verification and Trust Information
  • For identity verification, fraud prevention, marketplace integrity, and legal compliance, we may collect government-issued identification, selfies, verification videos, business registration details, tax identifiers, addresses, proof of address, licenses, certificates, and related due diligence records. Verification checks may be performed directly by EgaFind or through approved third-party verification providers.
  • #### 2.3 Transaction and Payment Information
  • We may collect transaction identifiers, wallet activity, order history, service booking history, escrow status, payout data, bank details for settlement, withdrawal records, payment confirmation data, refund and dispute information, and related financial metadata. Sensitive payment credentials such as full card details are typically processed by regulated payment processors and are not stored in raw form by EgaFind.
  • #### 2.4 Marketplace and Operational Information
  • We collect listing data, pricing, offers, proposals, product and service descriptions, negotiation details, fulfillment history, job requests, portfolio items, reviews, ratings, support tickets, incident reports, and information required to facilitate booking, order fulfillment, and customer support.
  • #### 2.5 Communication Data
  • We process in-app messages, attachments, voice notes where supported, customer support conversations, push notifications, dispute-related correspondence, email communications, and system-generated transaction alerts.
  • #### 2.6 Location Information
  • We may collect approximate or precise location information, depending on device settings and permissions. Location may be used to show nearby artisans, improve discovery, coordinate services, estimate travel time, support active booking logistics, and enable tracking during active service fulfillment. Background location, if enabled, is limited to active transaction or booking flows and is not intended for generalized passive monitoring unrelated to an active service event.
  • #### 2.7 Media and Uploaded Content
  • Users may upload profile pictures, product images, service portfolio images, order evidence, verification media, dispute evidence, and videos. We also process metadata reasonably associated with such uploads where necessary for platform operation, fraud detection, storage, moderation, or legal compliance.
  • #### 2.8 Device, Technical, and Usage Data
  • We automatically collect information such as IP address, device model, operating system, language settings, browser or app version, device identifiers, crash logs, performance data, network information, session timestamps, referral information, and interactions with platform features.
  • ### 3. How We Use Personal Information
  • We use personal information to operate, maintain, secure, and improve the platform; to create and administer accounts; to verify users; to power search, discovery, and matching; to facilitate bookings, orders, messaging, and payments; to operate escrow workflows; to detect, investigate, and prevent fraud; to manage disputes and chargebacks; to provide customer service; to generate analytics and product insights; to comply with law; and to protect EgaFind, its users, and the public.
  • Where legally permitted, we may also use personal information for business continuity, risk scoring, trust and safety analysis, communications about service changes, service quality improvement, internal reporting, platform abuse detection, and enterprise support.
  • ### 4. Legal Bases for Processing
  • Depending on the jurisdiction and context, EgaFind processes personal information based on consent, contractual necessity, legitimate interests, legal obligation, public interest where applicable, and the establishment, exercise, or defense of legal claims. Legitimate interests may include platform security, marketplace trust, fraud mitigation, service optimization, dispute resolution, and operational resilience.
  • ### 5. How We Share Information
  • #### 5.1 With Other Users
  • Certain profile, transaction, and communication information is shared with relevant counterparties where necessary for the service. For example, a customer may see an artisan’s public profile, ratings, portfolio, pricing, and booking-related information, while an artisan may see customer information relevant to performing a requested service.
  • #### 5.2 With Service Providers and Processors
  • We may share information with payment processors, cloud hosting providers, customer support tools, analytics providers, communication infrastructure providers, verification services, storage providers, security vendors, logging tools, compliance vendors, and other contracted processors acting under confidentiality and data protection obligations.
  • #### 5.3 With Regulators, Authorities, and Courts
  • We may disclose information where required by applicable law, subpoena, court order, regulatory requirement, law enforcement request, fraud investigation, sanctions screening obligation, tax reporting rule, or to protect the rights, property, or safety of EgaFind, its users, or others.
  • #### 5.4 Corporate Transactions
  • In connection with a merger, acquisition, financing, restructuring, investment, asset sale, or similar transaction, information may be disclosed to professional advisers, investors, financiers, counterparties, or acquiring entities subject to confidentiality and legal safeguards.
  • ### 6. International Transfers
  • EgaFind may process information in multiple countries. Where personal information is transferred internationally, EgaFind takes reasonable steps to use lawful transfer mechanisms and appropriate safeguards, which may include contractual protections, technical safeguards, and vendor due diligence.
  • ### 7. Data Retention
  • We retain information for as long as reasonably necessary to operate the platform, maintain records, resolve disputes, investigate fraud, comply with tax and financial obligations, enforce agreements, and meet legal requirements. Retention periods may vary depending on account status, transaction history, regulatory obligations, risk exposure, and litigation or investigation hold requirements. We may anonymize or aggregate information instead of deleting it where permitted.
  • | Data Type | Retention Period |
  • |-----------|------------------|
  • | Account data | Until account deletion |
  • | Transaction records | 5–7 years (financial compliance) |
  • | KYC data | As required by law / risk monitoring |
  • | Messages | Until deletion or legal need |
  • | Dispute data | Until resolution + legal window |
  • | Logs & analytics | Short-term or anonymized |
  • ### 8. Security
  • EgaFind uses administrative, technical, and organizational safeguards designed to protect personal information. These measures may include encryption in transit, controlled access, environment segregation, credential management, logging, monitoring, fraud detection systems, backup protections, and role-based access management. No platform is completely secure, and users should also take reasonable steps to protect their devices and credentials.
  • ### 9. User Rights and Choices
  • Depending on applicable law, users may have rights to access, correct, delete, restrict, object to, or port personal information. Users may also have rights related to consent withdrawal and complaint submission to a supervisory authority. Some rights may be limited where EgaFind must retain data for legal, financial, fraud prevention, or contractual reasons.
  • ### 10. Children and Minors
  • EgaFind is not intended for children and should not be used by persons under the legal age required in the relevant jurisdiction, including under 18 where that is the applicable threshold for platform participation. We do not knowingly permit minors to create transactional accounts or submit verification information for independent commercial participation without lawful authorization.
  • ### 11. Cookies and Similar Technologies
  • Our website and platform may use cookies, SDKs, local storage, and similar technologies to enable authentication, maintain sessions, remember settings, support security, improve performance, understand usage, and provide operational functionality. More detail is available in our Cookie Policy.
  • ### 12. Third-Party Services and Links
  • The platform may integrate with or contain links to third-party websites, payment providers, social channels, maps, storage tools, and enterprise services. EgaFind is not responsible for the privacy practices of third parties acting under their own policies, except to the extent required by law or contract.
  • ### 13. Specialized Data Handling – EgaFind Core Systems
  • #### Identity & Verification Data
  • EgaFind processes identity and verification data to:
  • - Confirm user identity
  • - Prevent fraud and impersonation
  • - Maintain trust across the marketplace
  • This may include:
  • - Government-issued identification
  • - Selfie or biometric verification
  • - Business registration details
  • Verification data is:
  • - Encrypted and access-controlled
  • - Used strictly for compliance, trust, and safety
  • - Retained only as required for regulatory and fraud-prevention purposes
  • #### Location Data Usage
  • Location data is used for:
  • - Matching users with nearby artisans
  • - Service coordination and routing
  • - Real-time tracking during active bookings
  • Background location:
  • - Is only used during active service sessions
  • - Is never used for advertising or profiling
  • Users may disable location access at any time via device settings.
  • #### Wallet & Escrow Data
  • EgaFind processes wallet and escrow-related data including:
  • - Transaction history
  • - Escrow holds and releases
  • - Withdrawals and payouts
  • This data is used to:
  • - Facilitate secure transactions
  • - Prevent fraud and chargeback abuse
  • - Resolve disputes
  • EgaFind does not store sensitive card data directly; payments are handled by regulated providers.
  • #### Dispute & Evidence Data
  • When disputes occur, EgaFind may process:
  • - Uploaded images and videos
  • - Chat logs
  • - Service or delivery proof
  • - Technical logs
  • This data is used solely to:
  • - Investigate disputes
  • - Ensure fair resolution
  • - Protect both parties
  • ### 14. Account Deletion & Data Removal
  • Users have the right to request deletion of their EgaFind account and associated personal data.
  • #### How to Request Deletion
  • Users can request account deletion via:
  • 👉 **https://egafind.com/account/deletion/**
  • or by contacting: **support@egafind.com**
  • #### What Happens When You Delete Your Account
  • When a deletion request is submitted:
  • - Your account will be deactivated immediately
  • - Personal data will be scheduled for deletion
  • - You will lose access to:
  • - Wallet
  • - Messages
  • - Bookings
  • - Transaction history (visible)
  • #### Data That Will Be Deleted
  • - Profile information
  • - Uploaded content (where possible)
  • - Messages (subject to retention rules)
  • - Non-essential account data
  • #### Data That May Be Retained
  • We may retain certain data where required for:
  • - Legal obligations
  • - Financial compliance (transactions, escrow records)
  • - Fraud prevention
  • - Dispute resolution
  • Examples:
  • - Transaction logs
  • - Payment records
  • - KYC verification logs
  • #### Deletion Timeline
  • - Account deactivation: Immediate
  • - Full deletion: within 30–90 days (depending on obligations)
  • #### Third-Party Data
  • Some data may remain with:
  • - Payment providers
  • - Cloud services
  • Subject to their own retention policies.
  • ### 15. Updates to This Policy
  • We may update this Privacy Policy from time to time to reflect legal, operational, or product changes. Updated versions will be posted on our website with a revised date. Material changes may also be communicated through the app, website notices, or email where appropriate.
  • ### 16. Contact
  • If you have questions, requests, or complaints relating to privacy or personal data, contact EgaFind at:
  • - **Email:** support@egafind.com
  • - **Account deletion:** https://egafind.com/account/deletion/
  • ---
  • ## 2. Terms of Service for EgaFind
  • **Effective Date:** April 22, 2026
  • **Last Updated:** April 22, 2026
  • These Terms of Service govern access to and use of EgaFind’s website, mobile applications, APIs, marketplace services, escrow-supported transactions, communication tools, and associated business functions. By creating an account, accessing the platform, or using any service, you agree to be bound by these Terms.
  • ### 1. Nature of the Platform
  • EgaFind is a technology platform that facilitates discovery, communication, bookings, marketplace activity, and escrow-supported transaction workflows between independent participants. EgaFind does not ordinarily manufacture goods, employ artisans as staff, or guarantee the performance, legality, safety, quality, or suitability of services or products listed by users.
  • ### 2. Eligibility and Account Registration
  • You must be legally eligible to form a binding agreement and to engage in the relevant transaction type under applicable law. You agree to provide accurate, current, and complete information, maintain the confidentiality of your credentials, and remain responsible for all activity conducted through your account.
  • ### 3. Marketplace Conduct
  • Customers, artisans, sellers, and other participants are independently responsible for the representations they make, the services they perform, the goods they list, and the obligations they undertake. You must use the platform lawfully, honestly, and professionally, and you must not misrepresent identity, qualifications, ownership, pricing, availability, or fulfillment capabilities.
  • ### 4. Bookings, Listings, and Offers
  • The platform may allow users to publish listings, submit requests, negotiate terms, exchange messages, and enter into transaction arrangements. EgaFind may provide tools that help structure those interactions, but the underlying commercial arrangement remains between the relevant users except where EgaFind expressly acts as merchant, reseller, or contracted service provider under a separate agreement.
  • ### 5. Escrow-Supported Transactions
  • EgaFind may provide an escrow workflow under which payment is authorized or collected, held within a managed transaction flow through approved payment partners, and then released or otherwise processed according to the completion state of the order, dispute outcome, refund decision, chargeback event, compliance review, or other operational control. Escrow support does not create a guarantee that every transaction will be completed without loss, delay, or dispute.
  • ### 6. Payments, Fees, and Taxes
  • You authorize EgaFind and its payment partners to process payments, fees, settlements, refunds, reversals, reserves, and charges associated with your platform use. Fees may include service fees, escrow fees, withdrawal fees, convenience fees, foreign exchange-related adjustments, tax-related amounts, dispute handling charges, or enterprise charges. Applicable taxes may be added or withheld where required. Users remain responsible for their own tax reporting and compliance unless otherwise required by law.
  • ### 7. Verification, Risk Review, and Compliance Controls
  • EgaFind may require identity checks, business verification, enhanced diligence, fraud checks, sanctions screening, transaction review, source-of-funds review, media review, or other trust and compliance steps. We may delay, reject, reverse, freeze, or restrict access to services where risk, fraud, legal, policy, or operational concerns arise.
  • ### 8. User Content and Platform License
  • You retain ownership of content you upload or submit, subject to the rights needed for EgaFind to operate the service. By posting content, you grant EgaFind a worldwide, non-exclusive, royalty-free license to host, use, reproduce, display, adapt, distribute, moderate, and otherwise process that content as reasonably necessary to provide, secure, improve, market, and enforce the platform.
  • ### 9. Reviews, Ratings, and Trust Features
  • EgaFind may allow users to leave reviews, ratings, and other trust indicators. You must not manipulate ratings, submit false reviews, pay for fabricated endorsements, or retaliate against users for honest feedback. EgaFind may remove, moderate, or reorder reviews where necessary for integrity, legal, or safety reasons.
  • ### 10. Prohibited Conduct
  • You may not engage in fraud, deception, identity abuse, chargeback abuse, unlawful transactions, prohibited goods or services, exploitation, harassment, malware distribution, account takeover attempts, API abuse, scraper activity, or efforts to bypass escrow, platform protections, moderation systems, or contractual obligations. You may not use EgaFind to violate sanctions, anti-money laundering laws, export controls, consumer protection laws, or intellectual property rights.
  • ### 11. Suspension, Restriction, and Termination
  • EgaFind may suspend, restrict, hold funds, limit functionality, remove content, or terminate access at any time where we reasonably believe there is fraud, policy violation, legal exposure, risk, non-payment, abuse, unsafe conduct, or other material concern. Termination does not eliminate obligations already accrued, including payment obligations, indemnities, dispute obligations, or compliance holds.
  • ### 12. Intellectual Property
  • All rights in the EgaFind brand, platform, code, design, infrastructure, interface, workflows, and related intellectual property remain with EgaFind and its licensors. Except as expressly allowed, you may not copy, reverse engineer, decompile, redistribute, scrape, or exploit platform elements without authorization.
  • ### 13. Disclaimers
  • The platform is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, EgaFind disclaims warranties of merchantability, fitness for a particular purpose, non-infringement, availability, uninterrupted access, and performance by third-party users. We do not guarantee uninterrupted service, universal availability, or error-free functionality.
  • ### 14. Limitation of Liability
  • To the fullest extent permitted by law, EgaFind will not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, loss of profits, loss of goodwill, loss of data, business interruption, or damages arising from user conduct, third-party performance, payment processor failures, content, disputes, delivery failures, or security events beyond our reasonable control. Any aggregate liability shall be limited to the amounts paid to EgaFind in connection with the relevant transaction or the minimum amount required by law, whichever is greater.
  • ### 15. Indemnity
  • You agree to defend, indemnify, and hold harmless EgaFind, its affiliates, officers, staff, contractors, and partners from claims, liabilities, losses, fines, and expenses arising out of your conduct, content, transactions, breach of these Terms, or violation of law or third-party rights.
  • ### 16. Governing Law and Disputes
  • These Terms are governed by the law designated in EgaFind’s legal or commercial setup, except where consumer law requires otherwise. EgaFind may require good-faith pre-litigation resolution steps, mediation, venue selection, or arbitration where lawful and commercially appropriate.
  • ### 17. Changes to the Terms
  • We may revise these Terms to reflect changes in law, product functionality, risk practices, or commercial operations. Continued use after an update constitutes acceptance of the revised Terms to the extent permitted by law.
  • ### 18. Contact
  • Questions about these Terms may be sent to **support@egafind.com**.
  • ---
  • ## 3. Dispute and Refund Policy
  • **Effective Date:** April 22, 2026
  • This Dispute and Refund Policy explains how EgaFind handles transaction disputes, service complaints, delivery issues, escrow review, and refund decisions for platform transactions. This policy is intended to support fairness, trust, and orderly resolution of marketplace and service-related disagreements.
  • ### 1. Scope
  • This policy applies to eligible orders, bookings, service engagements, product purchases, and escrow-supported transactions completed on or through EgaFind. Transactions completed entirely outside the platform may be ineligible for platform-assisted dispute handling.
  • ### 2. Common Dispute Grounds
  • Disputes may arise where there is alleged non-delivery, non-performance, material delay, significant deviation from the listing or agreed specification, poor-quality completion, defective goods, damaged goods, incomplete service, unauthorized substitution, fraud indicators, or misrepresentation.
  • ### 3. Filing Window
  • EgaFind may require disputes to be raised within a specified period after delivery, completion, or the relevant service milestone. Different categories may have different windows depending on the transaction type, perishability, service nature, fraud indicators, or processor requirements.
  • ### 4. Evidence
  • Users may be required to submit evidence such as photographs, videos, chat history, timestamps, receipts, delivery proof, service proof, technical logs, or third-party reports. Failure to provide evidence may affect the outcome.
  • ### 5. Review Process
  • EgaFind may review transaction records, escrow status, chat logs, usage metadata, verification records, and submitted evidence, and may request additional clarification from one or both parties. We may also consider fraud signals, prior account history, shipping events, and abuse indicators.
  • ### 6. Possible Outcomes
  • Depending on the facts, EgaFind may approve a full refund, partial refund, delayed release, split settlement, service credit, chargeback defense action, order cancellation, or release of funds to the seller or artisan. Outcomes may also involve account restrictions or trust-and-safety action.
  • ### 7. Escrow Interaction
  • Where escrow applies, funds may remain held during review. EgaFind may pause release while facts are assessed. Escrow support reduces transaction risk but does not eliminate all user responsibility, nor does it guarantee every claim will succeed.
  • ### 8. Exclusions
  • Refunds may be unavailable for dissatisfaction unsupported by objective evidence, user error, change-of-mind circumstances, delays caused by the claimant, force majeure events, unauthorized off-platform changes, or cases where the dispute concerns issues clearly outside the agreed service scope.
  • ### 9. Processor and Legal Overrides
  • Payment processor rules, card network rules, consumer law, financial regulations, and court orders may affect or override portions of this policy. EgaFind reserves the right to comply with such obligations.
  • ### 10. Finality
  • To the extent permitted by law, EgaFind’s internal dispute resolution determination may be treated as final for platform operational purposes, without prejudice to any external legal rights available to the parties.
  • ---
  • ## 4. Seller and Artisan Agreement
  • **Effective Date:** April 22, 2026
  • This agreement applies to all artisans, sellers, merchants, and service providers who use EgaFind to offer services, products, jobs, or other commercial opportunities.
  • ### 1. Independent Status
  • You participate on the platform as an independent contractor, merchant, or business participant, and not as an employee, agent, joint venturer, or legal representative of EgaFind unless a separate signed agreement states otherwise.
  • ### 2. Accuracy and Professionalism
  • You must provide accurate service descriptions, truthful pricing, valid credentials, lawful goods, realistic timelines, and professional conduct. You must not misrepresent qualifications, inventory, product condition, licensing, or capacity to perform.
  • ### 3. Fulfillment Obligations
  • You are responsible for performing the service or supplying the product in accordance with the listing, the agreed chat terms, applicable law, and marketplace standards. You must communicate responsibly, act in good faith, and honor accepted commitments unless prevented by lawful or reasonable circumstances.
  • ### 4. Escrow and Payout Terms
  • You acknowledge that customer payments may be held in an escrow-supported transaction flow and released only after completion, acceptance, time-based release conditions, compliance review, or dispute resolution. EgaFind may deduct applicable fees, reserves, reversals, refunds, or chargeback-related amounts before payout.
  • ### 5. Customer Care and Disputes
  • You must respond to disputes, cooperate with investigation requests, and provide evidence promptly. Failure to respond may result in adverse decisions, account restrictions, loss of listing privileges, or withholding of payouts.
  • ### 6. Verification and Compliance
  • You may be required to complete identity verification, business verification, tax onboarding, sanctions checks, compliance questionnaires, or enhanced review. EgaFind may restrict visibility, booking access, or payouts until such checks are completed.
  • ### 7. Platform Rules
  • You may not bypass EgaFind to avoid fees or escrow, solicit off-platform payment after a platform-initiated transaction, engage in fraud, use fake reviews, manipulate ratings, or engage in abusive conduct. EgaFind may monitor compliance and take enforcement action.
  • ### 8. Taxes and Legal Responsibility
  • You are responsible for your own taxes, licenses, permits, labor obligations, insurance, warranties, and compliance duties unless a separate enterprise contract provides otherwise.
  • ### 9. Suspension and Termination
  • EgaFind may suspend or terminate your account for fraud, repeated complaints, compliance failures, unsafe conduct, misrepresentation, chargeback abuse, manipulation, non-response to disputes, or any material policy breach.
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  • ## 5. Cookie Policy
  • **Effective Date:** April 22, 2026
  • This Cookie Policy explains how EgaFind uses cookies, pixels, local storage, SDK technologies, and similar tools on its website and platform interfaces.
  • ### 1. Why We Use Cookies
  • We use these technologies to authenticate users, maintain sessions, improve security, remember preferences, understand performance, support analytics, detect fraud, and improve user experience.
  • ### 2. Categories
  • - **Strictly necessary** technologies support login, navigation, security, payment flows, and essential service functions.
  • - **Performance and analytics** technologies help us understand traffic, errors, and product use.
  • - **Functional** technologies remember settings and enhance convenience.
  • - **Security** technologies help detect abuse, device anomalies, and suspicious patterns.
  • ### 3. Third-Party Technologies
  • Some technologies are set or triggered by service providers such as payment processors, analytics vendors, cloud providers, support tools, or security partners. Those parties may process information under their own policies or under service-provider agreements with EgaFind.
  • ### 4. Your Choices
  • You may manage cookie preferences through browser settings, device settings, or cookie banners where available. Blocking some cookies may reduce platform functionality or affect logins, payments, and other core features.
  • ### 5. Updates
  • We may revise this policy from time to time as our services or legal obligations change.
  • ---
  • ## 6. KYC and Verification Policy
  • **Effective Date:** April 22, 2026
  • EgaFind uses identity verification and due diligence measures to support trust, reduce fraud, satisfy legal obligations, and protect users, merchants, artisans, and payment ecosystems.
  • ### 1. Who May Be Required to Verify
  • KYC or verification may be required for artisans, sellers, high-volume users, enterprise accounts, users receiving payouts, users engaging in high-risk activity, or users flagged through trust and safety or compliance systems.
  • ### 2. Information That May Be Requested
  • Required information may include government identification, business registration records, tax or bank details, self-portrait verification, address verification, sanctions-related confirmations, or other materials reasonably necessary for trust, fraud prevention, or legal compliance.
  • ### 3. Review and Outcomes
  • Verification may be conducted manually, automatically, or through third-party providers. EgaFind may approve, reject, request additional documents, place conditional restrictions, or impose ongoing monitoring requirements based on the results.
  • ### 4. Consequences of Non-Compliance
  • Failure to complete required verification may result in delayed payouts, listing restrictions, reduced visibility, transaction limits, account suspension, or account termination.
  • ---
  • ## 7. Anti-Money Laundering Policy
  • **Effective Date:** April 22, 2026
  • EgaFind maintains anti-money laundering and anti-fraud controls proportionate to the nature of the platform, payment flows, and risk profile of marketplace activity.
  • ### 1. Objective
  • The objective of this policy is to help detect, prevent, investigate, and respond to suspicious transactions, sanctions concerns, account abuse, identity manipulation, layering behavior, unusual transaction patterns, and other activity that may create financial crime risk.
  • ### 2. Monitoring
  • We may monitor account behavior, transaction patterns, payout behavior, wallet usage, linked accounts, repeated disputes, geographic anomalies, rapid movement of funds, or other indicators relevant to anti-fraud and AML review.
  • ### 3. Actions
  • Where necessary, EgaFind may delay or freeze withdrawals, place accounts under review, request source-of-funds information, require enhanced verification, restrict features, reverse transactions where lawful, or report suspicious activity to the appropriate authorities or payment partners.
  • ### 4. User Obligations
  • Users must provide accurate information, cooperate with lawful reviews, and refrain from using the platform for unlawful transactions, sanctions evasion, stolen funds, mule activity, or other illicit financial conduct.
  • ---
  • ## 8. Acceptable Use Policy
  • **Effective Date:** April 22, 2026
  • This policy sets out standards for lawful, safe, respectful, and compliant use of EgaFind.
  • ### 1. Permitted Use
  • You may use EgaFind to discover services, publish lawful listings, communicate with users, complete legitimate transactions, and participate in marketplace activity consistent with the platform’s purpose.
  • ### 2. Prohibited Activities
  • Prohibited conduct includes fraud, misleading listings, impersonation, hate or harassment, unlawful goods or services, account abuse, escrow circumvention, payment diversion, malware, unauthorized automation, scraping, privacy violations, illegal surveillance, content abuse, and any activity that threatens platform safety or legal compliance.
  • ### 3. Enforcement
  • EgaFind may remove content, suspend functions, hold funds, limit visibility, report conduct, or terminate access where prohibited conduct is detected or reasonably suspected.
  • ---
  • ## 9. Data Processing Agreement (DPA)
  • **Effective Date:** April 22, 2026
  • This DPA supplements any applicable commercial or platform agreement where EgaFind processes personal data on behalf of an enterprise customer, API consumer, or integration partner.
  • ### 1. Processing Instructions
  • EgaFind will process personal data only on documented instructions of the controller, except where processing is required by law or where EgaFind acts as an independent controller for its own legal obligations, security duties, or fraud prevention responsibilities.
  • ### 2. Security and Confidentiality
  • EgaFind will apply appropriate technical and organizational security measures, ensure that authorized personnel are subject to confidentiality duties, and use subprocessors under written safeguards.
  • ### 3. Assistance and Rights
  • Where applicable, EgaFind will provide reasonable assistance with data subject requests, regulatory inquiries, DPIA-related needs, and breach-response cooperation proportionate to the processing relationship and technical feasibility.
  • ### 4. International Transfers and Return or Deletion
  • EgaFind will use lawful safeguards for international transfers where required and, upon termination of the relevant services, will delete or return personal data in accordance with contractual obligations, legal retention rules, and security needs.
  • ---
  • ## 10. Mutual Non-Disclosure Agreement
  • **Template Date:** April 22, 2026
  • This NDA template is intended for discussions between EgaFind and potential investors, enterprise clients, vendors, integration partners, advisors, acquirers, and strategic collaborators.
  • ### 1. Confidential Information
  • Confidential information includes business plans, transaction metrics, platform architecture, financial information, product roadmaps, legal structures, verification methods, API materials, customer information, and any non-public information disclosed by either party.
  • ### 2. Restrictions
  • The receiving party must use confidential information only for the permitted purpose, protect it with reasonable care, limit access to those with a need to know, and not disclose it except as authorized or legally required.
  • ### 3. Exclusions
  • Confidential information does not include information that becomes public without breach, was already lawfully known, is independently developed without use of confidential information, or is lawfully received from a third party without confidentiality obligations.
  • ### 4. Remedies
  • Because unauthorized disclosure may cause irreparable harm, equitable relief may be available in addition to other legal remedies.
  • ---
  • ## 11. API Terms of Service
  • **Effective Date:** April 22, 2026
  • These API Terms govern access to and use of EgaFind APIs, developer keys, credentials, endpoints, sandbox tools, and integration-related materials.
  • ### 1. Access
  • API access is revocable, non-exclusive, and subject to approval, credential security, rate limits, technical restrictions, and all applicable commercial terms.
  • ### 2. Restrictions
  • You may not reverse engineer, overload, scrape, misuse, or republish the API, nor may you use API access for unlawful surveillance, unauthorized profiling, spam, credential abuse, resale without authorization, or any purpose inconsistent with EgaFind’s platform rules.
  • ### 3. Data Responsibilities
  • You must use data lawfully, minimize collection, secure credentials, and comply with privacy, security, and regulatory obligations. EgaFind may suspend or revoke access where risk, misuse, or security concerns arise.
  • ---
  • ## 12. Enterprise Partner Agreement
  • **Template Date:** April 22, 2026
  • This agreement template governs relationships between EgaFind and enterprise clients, channel partners, corporate operators, and institutional collaborators using EgaFind’s platform, APIs, marketplace access, or transaction services.
  • ### 1. Services
  • EgaFind may provide enterprise access, managed integrations, escrow workflows, API connectivity, support services, reporting, and agreed implementation services.
  • ### 2. Partner Obligations
  • The partner must comply with law, protect user data, maintain secure systems, avoid misuse, and honor any commercial, operational, and branding obligations in the statement of work or order form.
  • ### 3. Confidentiality, Liability, and Termination
  • The agreement should include confidentiality, data protection, service levels if applicable, liability allocation, fees, revenue share where relevant, and termination rights for breach, risk, legal concerns, or convenience where contractually agreed.
  • ---
  • ## 13. White-Label Licensing Terms
  • **Template Date:** April 22, 2026
  • These terms govern any arrangement under which EgaFind licenses access to platform functionality under a partner’s or customer’s brand.
  • ### 1. License
  • EgaFind grants a limited, revocable, non-transferable, non-exclusive right to use agreed platform functionality within the permitted territory, term, and customer segment.
  • ### 2. Ownership
  • EgaFind retains ownership of all platform code, backend systems, trademarks except licensed branding elements, APIs, workflows, data schemas, and related intellectual property.
  • ### 3. Restrictions
  • The licensee may not resell beyond agreed terms, reverse engineer, clone the product for competitive use, or grant unauthorized sublicenses. EgaFind may terminate the license for non-payment, misuse, risk, or breach.
  • ---
  • ## 14. Investor Pitch Legal Appendix
  • **Reference Date:** April 22, 2026
  • This appendix summarizes EgaFind’s legal, regulatory, and contractual posture for investor diligence support. It is informational only and should be read alongside investment documents and formal legal due diligence materials.
  • ### 1. Platform Classification
  • EgaFind positions itself as a technology-enabled marketplace and transaction facilitation platform with escrow-supported workflows, not as a bank, insurer, or direct employer of marketplace participants, except where a separate enterprise arrangement creates a different relationship.
  • ### 2. Core Controls
  • EgaFind maintains platform Terms, Privacy, Cookie, KYC, AML, AUP, Seller/Artisan terms, dispute controls, API terms, and enterprise/white-label templates to structure risk and liability.
  • ### 3. Key Operational Risks
  • Principal risks include payment processor reliance, fraud and disputes, identity abuse, regulatory evolution, cross-border payment risk, content moderation, and platform scaling. Mitigation tools include escrow controls, verification, transaction monitoring, trust and safety rules, and contractual risk allocation.
  • ---
  • ## 15. Compliance Audit Checklist
  • **Reference Date:** April 22, 2026
  • - [ ] Privacy Policy published and current
  • - [ ] Terms of Service published and accepted in-app
  • - [ ] Dispute and Refund process documented
  • - [ ] Seller/Artisan Agreement active
  • - [ ] Cookie disclosures implemented where required
  • - [ ] KYC and AML controls documented
  • - [ ] Acceptable Use and trust-and-safety enforcement documented
  • - [ ] Location permission justifications align with actual app behavior
  • - [ ] Photo and video permissions align with actual app behavior and picker usage
  • - [ ] Data retention logic documented
  • - [ ] Incident response and breach escalation path defined
  • - [ ] Processor list and vendor review maintained
  • - [ ] API credentials and secrets management reviewed
  • - [ ] Enterprise and white-label contract templates prepared
  • - [ ] Support, complaint, and legal contact channels published
  • - [ ] Account deletion URL functional and linked in Privacy Policy
  • - [ ] Google Play Store compliance checklist satisfied
  • ---
  • ## Safety, Sustainability & Accessibility Summary
  • ### 🛡️ Safety – User Safety & Protection Measures
  • EgaFind implements safety systems including:
  • **Verification**
  • - Identity checks for artisans and sellers
  • - Fraud detection systems
  • - Account risk monitoring
  • **Emergency & SOS Support (where applicable)**
  • - Users may report unsafe situations
  • - Emergency contact escalation mechanisms may be supported
  • **Dispute Protection**
  • - Escrow ensures payment protection
  • - Evidence-based dispute resolution
  • - Fraud monitoring systems
  • **In-Person Service Safety**
  • EgaFind promotes:
  • - Verified provider interactions
  • - Transparent profiles and ratings
  • - Communication through in-app channels
  • Users are advised to:
  • - Avoid off-platform payments
  • - Verify provider details before engagement
  • ### 🌱 Sustainability – Repair-First & Local Efficiency Model
  • EgaFind supports sustainable practices by:
  • - Promoting repair over replacement
  • - Encouraging local service discovery
  • - Reducing transportation distance through proximity matching
  • - Supporting independent artisans and small businesses
  • This contributes to:
  • - Reduced environmental impact
  • - Lower resource consumption
  • - Stronger local economies
  • ### ♿ Accessibility – Inclusive Design & Usability
  • EgaFind is designed to be accessible by:
  • - Using readable typography and contrast
  • - Supporting keyboard navigation (web)
  • - Ensuring mobile usability across devices
  • - Designing simple, intuitive flows
  • We aim to:
  • - Improve accessibility continuously
  • - Support diverse user needs
  • - Provide inclusive digital access
  • ---
  • ## Help Center & Contact
  • ### 📚 Help Center (Website Section)
  • **Getting Started**
  • - Creating an account
  • - Setting up profile
  • **Bookings**
  • - How to book services
  • - Tracking service progress
  • **Payments**
  • - Adding funds
  • - Escrow system
  • - Withdrawals
  • **Verification**
  • - KYC process
  • - Identity checks
  • **Support**
  • - Reporting issues
  • - Opening disputes
  • ### 📞 Contact
  • **For:**
  • - Account issues
  • - Booking problems
  • - Payment inquiries
  • - Disputes
  • - Account deletion
  • **Visit:** https://egafind.com/account/deletion/
  • **Email:** support@egafind.com
  • ---
  • ### ✅ 1. Privacy Policy (Mandatory)
  • - [ ] Hosted at: https://egafind.com/privacy
  • ### ✅ . Account Deletion
  • - [ ] In-app option OR clear link
  • - [ ] Working web URL: https://egafind.com/account/deletion/
  • - [ ] No login required to access deletion page
  • ### ✅ . Contact Info (Mandatory)
  • - [ ] Email: support@egafind.com
  • - [ ] Website
  • - [ ] Privacy policy link
  • ---