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Escrow is a secure holding arrangement where your funds are placed with a neutral third party — Tumi Strux's platform-managed account — and released only when specific conditions are met.

Here's how it works in practice:

• You deposit your full build budget into the Tumi Strux escrow account before any work begins.
• The funds are split into 5 equal tranches of 20% each — one per phase.
• At the end of each phase, an independent inspector verifies the work. You review the report and video.
• Only after you approve does 20% release to the contractor.
• If you don't approve, the funds stay locked until the issue is resolved.

You can deposit in GBP, EUR, USD, CAD, or GHS. The platform converts your deposit to GHS at the prevailing rate on the day of transfer, which you see and confirm before proceeding.

Your dashboard shows your full project value in all four currencies simultaneously, updated daily. Contractors and suppliers are always paid in GHS.

Yes — this is the core protection the platform provides. There are three things that can happen when a phase inspection reveals problems:

• Request Remediation: You list the specific items that need fixing, give the contractor a deadline, and a re-inspection is scheduled. Funds remain locked until the re-inspection passes.
• Raise a Dispute: If the contractor refuses or the remediation is inadequate, you escalate to our 3-level dispute resolution process. Funds are frozen throughout.
• All-or-nothing release policy: We never partially release funds. A phase is either complete or it isn't. This means there's no pressure to accept substandard work.

Your funds are held in a segregated escrow account at a licensed partner bank in Ghana — they are never co-mingled with Tumi Strux's operating funds. This means Tumi Strux's financial position has no bearing on your escrow balance.

In the highly unlikely event of platform closure, the escrow agreement provides a direct legal relationship between you and the escrow bank. A nominated trustee would oversee the return or transfer of all client funds.

Yes. Budget increases require your explicit approval and are documented on the platform. The contractor submits a request with full justification, you review and approve/decline, and any approved increase is deposited and allocated. We notify you immediately if a phase is tracking over budget, so you are never surprised.

Once you approve a phase release on the platform, funds are typically disbursed to the contractor's registered bank account within 24 hours on a business day. Platform fees and inspection fees are deducted transparently from the release amount — you see the exact breakdown before approving.

All Tumi Strux inspectors are qualified professionals holding a minimum HND or degree in Building Technology, Civil Engineering, or Architecture, with at least 5 years of practical site experience in Ghana.

Every inspector completes our certification programme covering phase checklist standards, video documentation protocol, and ethics requirements.

Each inspection involves a physical site visit, typically lasting 2–4 hours. The inspector works through the full phase deliverables checklist, records a narrated video walkthrough (minimum 10 minutes), photographs all key elements, grades all major materials, verifies actual spend vs. budget, and notes any concerns.

The full report, video, photos, and material grades are uploaded to your dashboard within 24 hours of the site visit.

If the inspector identifies issues, the report lists specific items that need addressing. You then have three options: Request Remediation (with deadline), Raise a Dispute, or Extend Timeline (for minor issues). A failed inspection does not result in any fund release. The all-or-nothing policy applies absolutely.

Standard phase-completion inspections happen when the contractor notifies the platform that a phase is done. You can also request an interim check visit at a reduced rate — particularly useful for multi-unit developments or projects where you want more frequent visibility.

Absolutely. The platform doesn't replace your involvement — it supplements it. The inspector will still conduct their independent assessment, but having you present is encouraged.

No — and this is an important policy decision. Tumi Strux provides a verified directory and tools to help you evaluate and compare contractors. You choose your own.

Every contractor goes through a 4-stage verification process: Document Review, Reference Checks (3+ previous clients interviewed by us), Site Visit by a senior inspector, and Platform Certification. Once verified, contractors are assigned a tier (Gold, Silver, Bronze).

Ratings are a weighted score combining two independent sources: Investor Ratings (post-project) and Inspector Assessments (every phase of every project). The dual-source approach makes ratings significantly harder to game.

You can bring your own contractor and we will put them through our verification process. If they pass, they are added to the directory. If they don't, we'll explain why and help you find an alternative.

Yes, in extreme circumstances — failure to cooperate with inspections, fraudulent receipts, multiple failed inspections, or sustained disputes finding in the investor's favour. The remaining escrow is used to bring in a replacement.

A Property Passport is a comprehensive, verified digital record of everything about your property's construction — compiled phase by phase as the build progresses.

It contains as-built drawings, materials register, electrical & plumbing maps, inspection video library, photo evidence, full cost history, and maintenance schedule.

Yes — the passport is tied to the property, not the owner. When you list your property for sale through Tumi Strux, the full passport transfers to the buyer on completion of the sale.

The passport is built incrementally throughout the project. You can view the in-progress passport at any time. The final version is formally compiled and issued within 14 days of project handover.

The passport lives on the Tumi Strux platform in a shareable digital format. You receive a unique secure link, a downloadable PDF summary, and a full data export option.

Three fee types: Escrow Fee (2–3% on total budget at deposit), Inspection Fee (~1% covering all 5 inspections), and Sales Commission (2%, only if you sell through the platform).

No. Every fee is displayed in full before you confirm any action. We don't introduce new fees mid-project.

Escrow fee at initial deposit. Inspection fee spread across 5 phase releases. Sales commission only on completed sales — not charged upfront.

No upfront listing fee. We only charge the 2% sales commission on a successful completed sale.

Completely free. Browsing the directory, viewing ratings, and creating an account all cost nothing.

Yes — the property marketplace is built precisely for this. Your full Property Passport is attached to the listing. Properties with a passport consistently sell faster than comparable unverified listings.

Currently only platform-built properties can be listed. We are exploring a retrospective verification programme but it's not yet available.

Listing → buyer offer → escrow-protected sale → title transfer confirmed → 2% commission deducted → balance transferred to you → passport transfers to new owner.

Property grades are assigned by Tumi Strux based on cumulative inspection data. A: All phases passed without remediation. B: All phases passed with minor remediation. C: Some remediation requirements or B-grade materials. D: Significant issues, multiple remediations, or dispute history.

Identity verification is a legal requirement for platforms operating in regulated financial services, and it protects every participant on the platform.

Standard identity verification is completed within 15 minutes. If manual review is needed, our team completes it within 4 business hours. You cannot deposit into escrow until verification is complete.

Yes. Tumi Strux is built for the diaspora across UK, Netherlands, USA, and Canada. Your dashboard displays all amounts in your local currency alongside GHS.

Yes. Your account can manage multiple active projects simultaneously, each with its own escrow account, dashboard, inspection history, and passport.

Tumi Strux is registered with the UK ICO and processes all personal data in compliance with UK GDPR and EU GDPR. Your data is never sold to third parties.