Official International Terms for Azadkar Platform Effective Date: March 21, 2026 Governing Entity: ARYMU LLC / Azadkar Platform

Milestone Escrow, Wallets & Refunds Terms

1. Secure Milestone Escrow Mechanism

Azadkar provides a proprietary milestone escrow framework designed to hold funds securely in trust pending satisfactory completion and client approval of agreed deliverables. This service is a digital contractual escrow arrangement and does not constitute banking, depository, or savings operations.

2. Purchase Credits vs. Withdrawable Earnings

Funds deposited into user accounts to purchase subscription plans, digital credits, skill test tokens, or platform add-ons are designated as "Purchase Credits". Purchase credits are intended solely for platform consumption and cannot be directly cashed out or transferred to third-party accounts.

Legitimate freelancer earnings derived from approved project milestones, once verified and cleared through risk review periods, are credited to the user's "Withdrawable Balance" and may be disbursed to verified external banking accounts or wallets.

3. Immediate Digital Activation & Non-Refundability

Subscription packages, AI credits, skill exam tokens, and promotional add-ons that are activated or made available immediately upon payment confirmation are non-refundable once activated, except where mandated by statutory consumer protection laws or due to verified technical errors attributable to Azadkar.

By proceeding with payment, users explicitly request that digital fulfillment commence immediately and acknowledge that the statutory right of withdrawal/cancellation is waived to the fullest extent permitted by law.

4. Exceptional Refund Guidelines

Refund requests are reviewed strictly in instances of duplicate billing, verifiable system failures, confirmed platform inability to deliver the purchased service, legal mandates, or discretionary administrative determinations by Azadkar.

Where discretionary administrative refunds are approved, Azadkar reserves the right to deduct operational, gateway, banking, review, and risk mitigation costs of up to forty percent (40%) of the eligible refund amount.

Approved refunds are returned to the verified original source of payment following complete identity and anti-fraud verification.

5. Financial Abuse & AML Safeguards

Azadkar maintains zero tolerance for suspicious financial activity, manufactured transactions, balance liquidation schemes, money laundering, fund concealment, or unauthorized third-party account usage. Azadkar reserves the right to freeze funds and demand documentation in accordance with global financial compliance standards.

6. Service Fees

All applicable platform fees, commissions, processing rates, and applicable taxes are transparently displayed in the user interface prior to transaction execution and proposal confirmation.