Escrow with 100% Peace of Mind
Accounting Security Protocols
Crime Coverage Policies
Cyber Security Procedures
For over 30 years, we have successfully safeguarded surrogacy funds for over 5,000 clients with Circle's fully-insured and audited escrow program. Our Journey Protection™ Escrow service uses a multi-layered security approach to protect your money.
Escrow
Our Commitment to Your Security
We understand that your savings and careful planning for a surrogacy journey represent an extraordinary emotional commitment and a significant financial decision.
We have decades of experience safeguarding funds for intended parents who welcome their baby with complete peace of mind throughout the process as any loss of funds would be catastrophic for intended parents and surrogates.
Our Journey Protection™ Escrow ensures your escrow account is secured by layers of protection that exceed industry standards.
Annual Audit by an Independent Accounting Firm
Managed by a Separate Team of Trust Accountants with Dual Control Disbursement Approvals
Independent Insurance Bonding With Every Dollar Backed by Top Insurers
Crime Coverage Policy that Protects 100% of Escrow Funds Against Theft, Forgery, or Fraud
Enterprise Grade Cybersecurity
100% of Your Funds are Secure
Security Process Protocols
How your money is managed and protected:
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Independent Trust Accountants team manages all disbursement requests separate from operations.
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Dual control approval system means no single person can move funds.
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Daily wire and ACH limits with Chief Financial Officer only override authority.
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Annual independent audits ensure complete accountability.
Crime Coverage Policies
How your money is insured against loss:
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Extensive crime coverage policy protecting against all criminal activity.
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Coverage includes: employee theft, external fraud, forgery, counterfeiting, and computer crimes.
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Every dollar backed by top-rated insurers.
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Protection extends to hacking and data destruction.
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Multiple insurance policies provide layered protection.
Cyber Security Procedures
How your information stays secure:
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Enterprise-grade security protocols advancing with industry standards.
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Multi-factor authentication for all system access.
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Quarterly employee access reviews and Security Awareness Training.
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All data encrypted both in transit and at rest.
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Cloud backup every 4 hours with 7-year retention policy.
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Continuous monitoring of all third-party vendors.
How We Protect Every Dollar
Circle's proprietary financial protection approach, Journey Protection™ Escrow, has three key components to ensure comprehensive safeguarding of your investment.
1. Security Processes to Protect Your Future
2. Enhanced Security & Coverage Against Crime
3. Cyber Security Processes to Protect Your Information
Escrow
What Sets Us Apart
Circle Surrogacy's highly secured escrow service is managed with safeguards typically found only at major financial institutions. Our comprehensive approach means you benefit from protection that most agencies or firms simply can't offer.
Comprehensive Insurance Backing: Extensive crime coverage policy plus additional policies protect every dollar against any potential losses, errors, or crime.
Third-Party Audits: Annual independent accounting firm reviews of all Circle-held accounts.
Proven Track Record: Over 30 years protecting family funds without any loss.
Independent Operational Team: Trust Accountants operate separately from our operational team that handles company finances—ensuring zero conflicts of interest.
Enterprise Cyber Security: Bank-level protocols including encryption, multi-factor authentication, and continuous monitoring.
Dual Control Approvals: No single employee can both process and release payments without specialist review.
Begin Your Journey With Complete Confidence
With Circle Surrogacy, you can focus on your surrogacy journey with confidence. We’re committed to supporting you on the sometimes complex and long road to building your family.
We understand this is a meaningful investment and will treat your funds with the care and security your family deserves. Our team is here to offer you guidance and answer any questions you may have about Circle's Journey Protection™ Escrow service.
Escrow
for Intended Parents
Below are some common questions about the escrow process for Circle intended parents. You can read our full list of FAQs about the general surrogacy process for intended parents here.
Yes, Journey Protection™ Escrow is automatically included for all Circle intended parents. Every family benefits from this comprehensive escrow security—it's been part of how we protect our families since 1995.
Your escrow account is managed in a discrete escrow fund by an independent Circle team of Trust Accountants. They review all disbursement requests and ensure compliance with your contracts before any funds are released.
Every dollar in your escrow is protected by comprehensive insurance policies backed by top-rated insurers. Along with security and fraud protection offered by our bank, an extensive crime coverage policy and additional policies protect all client funds we hold against any potential losses, errors, or crime.
Multiple safeguards work together. All outgoing wires or ACH payments require multifactor approvals, which means the same employee processing payments cannot release them without another specialist reviewing and approving payment. All escrow accounts are subject to daily limits, with only our Chief Financial Officer able to request increases from the bank.
We're at the forefront of technology, ensuring our cyber security procedures advance with the speed of the industry. Identity verification using multifactor authentication, security software on all devices, data encryption both in transit and at rest, quarterly employee access reviews, and continuous third-party vendor monitoring all work together to protect your data.
Circle Surrogacy has never had any cybersecurity incidents or breaches in our history, including any incidents with escrow funds or client data.
Along with internal controls and reconciliations, all accounts held by Circle are audited yearly by an independent accounting firm.
"One of the best things we enjoyed about Circle was their Fixed Cost Program, which allowed us to make one financial transfer. That alone alleviated so much stress and confusion. Knowing our money was fully protected let us focus on the joy of our journey."
Shared by a Circle Parent