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Yoho acts exclusively as your Escrow Administrator. Your Security Funds are held in a Yoho Segregated Client Account, strictly separated from our operational capital, and released only on each Contractual Rent Date — all under English Law.
All Yoho mandates and Tenancy Agreements are governed by the laws of England and Wales — a globally recognised framework for financial services and tenancy enforcement.
We process your identity and financial data strictly in accordance with UK GDPR. Identity verification is powered by Sumsub — the same KYC layer used by leading UK challenger banks. Sumsub acts as a designated Processor.
Your Security Funds sit in a segregated client money account at a Tier 1 UK bank — ring-fenced as client property and never become Yoho's property. Eligible deposits at the bank are covered by the UK Financial Services Compensation Scheme (FSCS) — £120,000 per eligible person, subject to FSCS eligibility rules. Yoho holds no banking licence; we are the Escrow Administrator, the bank holds the funds.
Your Security Funds are held on trust in the Yoho Segregated Client Account at a Tier 1 UK bank — legally ring-fenced from Yoho's own assets, so they are not affected by Yoho's financial position. If Yoho ceases operations, the bank continues to hold the Client Money Trust, and the Trust Deed dictates how funds are administered: scheduled Release Events under each Side Letter remain enforceable, and any unreleased Security Funds return to the tenant. Trust administration in that event is governed by the Client Money Trust Deed and English insolvency law.