These terms add to the Terms of service and apply when a milestone of a contract is paid for through protected payment. The date above is when this text took effect.
Protected payment on Rizq is run by Umma Projects LLC (Wyoming, USA). The client pays for a milestone of work, and the freelancer does it. The agreement about the work itself is between them: Rizq is not a party to it and does not judge the work, except as the arbitrator in a dispute (section 7).Payments are processed by Stripe. When Rizq accepts payment for a milestone, it acts as the freelancer's limited payment collection agent: once the client has paid for a milestone, the client has paid the freelancer for it. Rizq then transfers that money to the freelancer, or returns it to the client, only as these terms say.
Protected payment works in US dollars. The client pays by bank card on a Stripe page; card details are entered there and never reach Rizq.Money can be received by a freelancer who is an individual in the United States, Canada, the United Kingdom, Switzerland, a European Union country, Iceland, Liechtenstein or Norway. This takes a country in the profile, a confirmed email address and Stripe's payout form (section 9). Companies cannot receive payouts yet.A milestone can be paid for once the freelancer has accepted the contract and set up payouts. On one contract, only one milestone can hold money at a time. A milestone cannot exceed $1,000,000.
The client plans the milestones: a title, a description of the work and an amount. Until a milestone is paid for, the client may change it and either side may delete it; while its payment page is open, for up to 24 hours, it is locked.The money is reserved once Stripe confirms the payment, and the milestone then shows “Funds reserved”. The freelancer should not start the work before that mark.Until the work is accepted, the milestone is cancelled or a dispute is decided, the money stays with Stripe in Rizq's protected payment account. Rizq does not move it to its own bank account or spend it, and no interest is earned on it. No timer returns it: a milestone ends only as sections 4, 6 and 7 describe.
The freelancer hands the work over on the milestone: what was done, with files from this deal's conversation. The client then has 7 days to review it. A different period, from 1 to 90 days, applies only if the milestone states one.In that time the client accepts the work, sends it back for changes with a reason, or opens a dispute. Sending it back stops the clock, and the next handover starts it again, in full.If the review period runs out and the client has done nothing, the work counts as accepted and the money is transferred to the freelancer. That does not happen while a dispute or a bank chargeback is open (section 8), or if the contract was cancelled; the freelancer may then open a dispute. Acceptance cannot be undone.
The client pays a payment fee on top: 4.61% of the milestone amount plus $0.32. For a $100 milestone the client pays $104.93. The fee is not refunded on a cancellation or on a refund after a dispute: it paid for processing the payment.The freelancer pays Rizq 5% of the milestone amount: for a $100 milestone they receive $95. A freelancer's first three milestones paid for through protected payment, across all clients, carry no such fee. A milestone whose money went back to the client in full does not count.The amount and the fees are fixed when the milestone is paid for and do not change afterwards. Rizq charges the freelancer nothing else. If the freelancer's bank account is not in dollars, Stripe converts the money at its own rate.
A paid milestone cannot be cancelled by one side alone. It is cancelled by agreement: one side proposes, and the other agrees within 72 hours. The proposal lapses if the work is started, handed over, sent back or accepted, or a dispute is opened; its author may withdraw it.On cancellation the client gets the whole milestone amount back on the same card, without the payment fee. Banks usually show it within 5 to 10 business days. Cancelling the contract does not by itself return a milestone's money: that takes a cancellation of the milestone by agreement, or a dispute.
Either side may open a dispute after the milestone is paid for and before the work is accepted. It takes a reason and a description of what happened. The milestone's money is then frozen: the automatic transfer stops and the work cannot move.Rizq builds the case file: the contract, the milestone's description, the handover, the reasons given for changes and for cancellation, the accepted bid and this deal's conversation. Both sides see the whole file. For 72 hours both sides may add notes, their own files and messages from the conversation; nothing added can be removed. The arbitrator may start the review earlier.The arbitrator is a member of Rizq's staff who is not part of the deal and confirms every decision with a second sign-in factor. They decide: everything to the freelancer, everything to the client, or a split of the amount, and they explain the decision. The freelancer's fee is taken from their part only: on $60 awarded out of $100, the fee is $3.Either side may appeal once, within 48 hours of the decision, on one of three grounds: new material evidence, a factual mistake, or a breach of procedure. New evidence is described in the text of the appeal. Where possible a different member of staff decides the appeal, and that decision is final at once.Without an appeal, the decision becomes final after 48 hours. The freelancer's part is then transferred to them, and the rest goes back to the client's card. The decision concerns only the milestone's money and does not stop either side from going to court.
If the client disputes the payment with their bank, the milestone's money is frozen until the bank decides. Until then neither acceptance, nor cancellation, nor a dispute decision moves it. If the bank decides for Rizq, the freeze lifts by itself.If the bank returns the money to the client before it reached the freelancer, the milestone ends as refunded. If that happens after the transfer, Rizq bears the loss, and nothing is taken back from the freelancer.A bank does not see the handover or the conversation, so settle disagreements about the work through a dispute on Rizq. Disputing with your bank a payment for work you accepted breaks these terms, unless your card was used without your knowledge.
To receive money, the freelancer fills in Stripe's payout form: their personal details and bank account. Rizq does not see or keep them. The form opens after the freelancer confirms it is them, with a code from an authenticator app or a recent sign-in.Once the work is accepted, the money is transferred to the freelancer's Stripe account. As soon as Stripe makes it available, Rizq asks for a payout to the bank account. This usually takes a few business days; the exact time is set by Stripe and the bank. If a payout has not arrived, write to support: a member of staff will check it and send it again.Payment processing services for freelancers on Rizq are provided by Stripe and are subject to the Stripe Connected Account Agreement (https://stripe.com/connect-account/legal/full), which includes the Stripe Terms of Service (https://stripe.com/legal/ssa) (collectively, the “Stripe Services Agreement”). By agreeing to these terms or continuing to receive payouts on Rizq, you agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of Rizq enabling payment processing services through Stripe, you agree to provide Rizq accurate and complete information about you, and you authorize Rizq to share it and transaction information related to your use of the payment processing services provided by Stripe.Stripe processes your data under its Privacy Policy (https://stripe.com/privacy). In Canada, Stripe may obtain information from credit agencies to verify your identity and uses it for the purposes that policy describes. The freelancer pays the taxes on their own income.
Rizq does not guarantee the result of the work and is not responsible for arrangements the sides carry out outside protected payment. Money paid directly, outside protected payment, is not protected.If Rizq pauses protected payment, new milestones cannot be paid for. Rizq will finish the milestones already paid for under these terms.
These terms may change; the date above says which text is in force. For a milestone already paid for, its amount, fees and review period stay as they were at payment. A change that takes away a right is announced inside the service before it applies.
If the Russian text differs from this English text, the English text prevails. Support: @isa_dagestani in Telegram, or the @RizqWorksBot bot. We answer in Russian and English.
