diff --git a/app/hooks/useStoreOwnership.ts b/app/hooks/useStoreOwnership.ts
index 48d10ad..09c475b 100644
--- a/app/hooks/useStoreOwnership.ts
+++ b/app/hooks/useStoreOwnership.ts
@@ -38,3 +38,21 @@ export function useStoreOwnership(storeId: string | undefined, mode?: string) {
     stores: stores ?? [],
   };
 }
+
+/**
+ * Guard for OWNER-ONLY store pages (financial, shipping, edit, team). Redirects
+ * non-members (via useStoreOwnership) and staff members back to the dashboard.
+ * Returns { isLoading, isOwner } so callers can render a spinner meanwhile.
+ */
+export function useRequireOwner(storeId: string | undefined) {
+  const navigate = useNavigate();
+  const { isLoading, role } = useStoreOwnership(storeId);
+
+  useEffect(() => {
+    if (!isLoading && role && role !== "owner") {
+      navigate(`/store/${storeId}`);
+    }
+  }, [isLoading, role, storeId, navigate]);
+
+  return { isLoading, isOwner: role === "owner" };
+}
diff --git a/app/requestHandler/use-seller-hooks.ts b/app/requestHandler/use-seller-hooks.ts
index 8cf39a9..c0df4e7 100644
--- a/app/requestHandler/use-seller-hooks.ts
+++ b/app/requestHandler/use-seller-hooks.ts
@@ -45,10 +45,14 @@ export function useMyStores() {
       const res = await fetch(`${getApiBaseUrl()}/api/seller/my-stores/`, {
         headers: { Authorization: `Bearer ${token}` },
       });
-      if (!res.ok) return [];
+      // Throw on failure so a transient error stays an ERROR state (data kept,
+      // retried) instead of resolving to [] — otherwise a blip would look like
+      // "no stores" and bounce an owner off their own dashboard.
+      if (!res.ok) throw new Error(`my-stores failed: ${res.status}`);
       return res.json();
     },
     enabled: !!token,
+    retry: 1,
     staleTime: 60 * 1000,
   });
 }
diff --git a/app/routes/store.$storeId.financial-dashboard._index.tsx b/app/routes/store.$storeId.financial-dashboard._index.tsx
index ca26018..96fa2a3 100644
--- a/app/routes/store.$storeId.financial-dashboard._index.tsx
+++ b/app/routes/store.$storeId.financial-dashboard._index.tsx
@@ -8,6 +8,7 @@ import {
   HandCoins,
 } from "lucide-react";
 import HeaderWithSupport from "../components/HeaderWithSupport";
+import { useRequireOwner } from "../hooks/useStoreOwnership";
 
 export const meta: MetaFunction = () => {
   return [
@@ -41,6 +42,7 @@ export const meta: MetaFunction = () => {
 
 export default function FinancialDashboard() {
   const { storeId } = useParams();
+  useRequireOwner(storeId); // financial is owner-only
   const navigate = useNavigate();
   const handleBack = () => {
     safeGoBack(navigate);
diff --git a/app/routes/store.$storeId.financial-dashboard.cash-funds.tsx b/app/routes/store.$storeId.financial-dashboard.cash-funds.tsx
index c89f7ce..f497b22 100644
--- a/app/routes/store.$storeId.financial-dashboard.cash-funds.tsx
+++ b/app/routes/store.$storeId.financial-dashboard.cash-funds.tsx
@@ -16,8 +16,9 @@ import {
   CarouselItem,
 } from "../components/ui/carousel";
 import { useCallback, useState, useRef, useEffect } from "react";
-import { useNavigate } from "@remix-run/react";
+import { useNavigate, useParams } from "@remix-run/react";
 import { useCarousel } from "../hooks/useCarousel";
+import { useRequireOwner } from "../hooks/useStoreOwnership";
 import {
   Drawer,
   DrawerTitle,
@@ -50,6 +51,8 @@ import { BankLogo } from "~/components/BankLogo";
 
 export default function CashingFunds() {
   const navigate = useNavigate();
+  const { storeId } = useParams();
+  useRequireOwner(storeId); // financial is owner-only
   const handleBack = () => {
     safeGoBack(navigate);
   };
diff --git a/app/routes/store.$storeId.financial-dashboard.reports.tsx b/app/routes/store.$storeId.financial-dashboard.reports.tsx
index 8c2820b..3f6e8f0 100644
--- a/app/routes/store.$storeId.financial-dashboard.reports.tsx
+++ b/app/routes/store.$storeId.financial-dashboard.reports.tsx
@@ -2,14 +2,17 @@ import { Sun, Waves, Loader2 } from "lucide-react";
 import HeaderWithSupport from "../components/HeaderWithSupport";
 import PersianDatePicker from "../components/PersianDatePicker";
 import { useEffect, useState } from "react";
-import { useSearchParams, useNavigate } from "react-router-dom";
+import { useSearchParams, useNavigate, useParams } from "react-router-dom";
 import { formatPrice, safeGoBack } from "../utils/helpers";
 import { useServiceGetReport } from "../requestHandler/use-wallet-hooks";
+import { useRequireOwner } from "../hooks/useStoreOwnership";
 import jMoment from "moment-jalaali";
 import { MetaFunction } from "@remix-run/node";
 
 export default function Reports() {
   const navigate = useNavigate();
+  const { storeId } = useParams();
+  useRequireOwner(storeId); // financial is owner-only
   const handleBack = () => {
     safeGoBack(navigate);
   };
diff --git a/app/routes/store.$storeId.financial-dashboard.transactions.tsx b/app/routes/store.$storeId.financial-dashboard.transactions.tsx
index bcf874e..364cbf9 100644
--- a/app/routes/store.$storeId.financial-dashboard.transactions.tsx
+++ b/app/routes/store.$storeId.financial-dashboard.transactions.tsx
@@ -12,8 +12,9 @@ import {
 } from "../components/ui/drawer";
 import { RadioGroup, RadioGroupItem } from "../components/ui/radio-group";
 import PersianDatePicker from "../components/PersianDatePicker";
-import { useSearchParams } from "react-router-dom";
+import { useSearchParams, useParams } from "react-router-dom";
 import { useServiceGetPayoutRequests } from "../requestHandler/use-wallet-hooks";
+import { useRequireOwner } from "../hooks/useStoreOwnership";
 import jMoment from "moment-jalaali";
 import filterIcon from "~/assets/icons/filter.png";
 import filterIconDark from "~/assets/icons/filter-dark.png";
@@ -51,6 +52,8 @@ export const meta: MetaFunction = () => {
 
 export default function Transactions() {
   const navigate = useNavigate();
+  const { storeId } = useParams();
+  useRequireOwner(storeId); // financial is owner-only
   const [isFilterDrawerOpen, setIsFilterDrawerOpen] = useState(false);
   const [searchParams] = useSearchParams();
   const { theme } = useRootData();
diff --git a/app/routes/store.$storeId.shipping-method.tsx b/app/routes/store.$storeId.shipping-method.tsx
index e1e5b41..ff8bc51 100644
--- a/app/routes/store.$storeId.shipping-method.tsx
+++ b/app/routes/store.$storeId.shipping-method.tsx
@@ -15,7 +15,7 @@ import {
 import { SellerCourierCreate, SellerCourierUpdate } from "../../src/api/types";
 import { useToast } from "../hooks/use-toast";
 import { useParams, useNavigate } from "@remix-run/react";
-import { useStoreOwnership } from "../hooks/useStoreOwnership";
+import { useRequireOwner } from "../hooks/useStoreOwnership";
 import { MetaFunction } from "@remix-run/node";
 import { getPersianTextOfPrice, safeGoBack } from "~/utils/helpers";
 
@@ -37,8 +37,8 @@ export default function ShippingMethod() {
   const navigate = useNavigate();
   const [savingCourierId, setSavingCourierId] = useState<string | null>(null);
 
-  // Check store ownership - this will redirect if user doesn't own the store
-  const { isLoading: isOwnershipLoading } = useStoreOwnership(storeId);
+  // Shipping/courier config is owner-only — redirect staff back to the dashboard.
+  const { isLoading: isOwnershipLoading } = useRequireOwner(storeId);
 
   // Fetch all available couriers
   const {