Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Foreclosure Recovery Inc., operating in partnership with Start My Business Incorporated ("Company," "we," "us," or "our") governing your access to and use of the services provided through usforeclosurerecovery.com (the "Platform" or "Service").

By creating an account, accessing, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, including our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Service.

You represent and warrant that you have the legal capacity to enter into this agreement and that you are at least 18 years of age. If you are accessing the Service on behalf of a business or entity, you represent that you have the authority to bind that entity to these Terms.

2. Description of Service

Foreclosure Recovery Inc. operates a software-as-a-service (SaaS) platform that provides the following services to Users:

• Foreclosure Surplus Fund Leads: Access to lead data derived from public records related to foreclosure surplus funds and excess proceeds from property sales.
• Skip Tracing Services: Tools and data to locate contact information for property owners and potential claimants.
• Do Not Call (DNC) Scrubbing: Automated screening of lead data against federal and state Do Not Call registries to help Users maintain compliance.
• Voicemail Automation: Technology to automate delivery of voicemail messages to leads (optional add-on service).
• Dashboard and Analytics: User interface for managing leads, tracking campaign performance, and accessing reporting tools.

The Service is intended for business use by professionals engaged in foreclosure surplus recovery, real estate services, or related industries. The Company reserves the right to modify, suspend, or discontinue any aspect of the Service at any time with or without notice.

3. Asset Recovery Agent Partnership Program

The Company offers a single program: the Asset Recovery Agent Partnership. Enrollment in the program is governed by these Terms together with the program enrollment confirmation provided at checkout.

3.1 Program Fee and Payment Options

The total program fee is nine hundred ninety-five dollars ($995). Three payment options are available:

• Pay-in-Full: $995 paid in a single transaction at enrollment.
• Three Monthly Payments: Three (3) consecutive monthly payments of $331 each, totaling $995.
• In-House Financing: 0% interest, no third-party credit pull. Available for applicants whose budget does not fit the standard plan or whose credit limits other options. Subject to Company approval. Call (888) 545-8007 to apply.

No third-party "buy now, pay later" services (such as Klarna, Afterpay, or similar) are offered for the program fee.

3.2 Commission Structure

Recovery fees are split 50/50 between the agent and Foreclosure Recovery Inc. The recovery fee is up to 30% of the recovered surplus, subject to applicable state caps. For example, Texas caps recovery agent fees at 20%. Balance payments to the agent are paid only from cases successfully closed under the program.

3.3 What the Program Includes

• Fifty (50) verified, exclusive leads per week. "Exclusive" means each lead is assigned to a single agent and is not shared with other agents.
• Certified letters mailed to leads on the agent's behalf, with proof of service, jurisdiction language, and a free claims guide for the homeowner.
• Ongoing support via phone, email, and the platform dashboard.
• Full training program access (audio, video, and written materials).
• Outreach automation, including ringless voicemail drops, SMS drips, and email drips, all loaded with the agent's name and contact information.
• A dedicated landing page on USForeclosureRecovery.com.
• An assigned personal extension on the Company's shared 800 inbound number.
• A professional email address at yourname@usforeclosurerecovery.com.
• Dashboard-managed lead outreach.
• Access to the company registration inbox and lead-tracking back office, allowing the agent to verify whether any of their clients have signed up or contacted the Company directly.
• Free claim processing of every signed contingency through MyStateFunds.com (https://www.mystatefunds.com/), the same claim-processing platform the Company uses internally.

3.4 No Business Entity Required

Agents may participate as 1099 independent contractors without forming a business entity. Agents who already operate a business may elect to have the Company bill the business directly and pay case earnings into the business bank account in lieu of a 1099, subject to standard onboarding and tax documentation.

3.5 Vegas Vacation Client Incentive

The Company provides a complimentary Vegas vacation that the agent may offer to the agent's clients (homeowners) when those clients sign their contingency agreement. This incentive is a closing tool intended to drive client urgency and lift conversion on outreach. It is not an agent reward and is not redeemable by the agent personally. The right to extend the offer to clients activates as follows:

• Pay-in-Full enrollees: may extend the offer to clients immediately upon enrollment.
• Three-Payment Plan enrollees: may extend the offer to clients once the third (final) monthly payment is received.
• In-House Financing enrollees: may extend the offer to clients once the final scheduled payment is received.

Trip details, fulfillment partners, and travel windows are determined and communicated by Foreclosure Recovery Inc. once the agent's client's signed contingency agreement is on file. The Company reserves the right to modify or substitute the incentive in its sole discretion, provided the substitute is of comparable value.

4. Account Registration & Security

To access the Service, you must create an account by providing accurate, complete, and current information. You agree to:

• Maintain the confidentiality of your account credentials, including your password.
• Immediately notify the Company of any unauthorized access to or use of your account.
• Accept responsibility for all activities that occur under your account.
• Ensure that all registration information provided remains accurate and up to date.

The Company reserves the right to suspend or terminate your account if we suspect fraudulent activity, misuse of the Service, or violation of these Terms. You may not transfer, sell, or share your account credentials with any third party.

Each account is licensed for use by a single individual or entity. Multi-user access requires additional licensing arrangements, which must be agreed upon in writing with the Company.

5. Pricing & Payments

The current program offering is the Asset Recovery Agent Partnership at a total program fee of $995. Payment options and program inclusions are described in Section 3 (Asset Recovery Agent Partnership Program).

Payments are processed by Start My Business Incorporated (StartMyBusiness.us) on behalf of Foreclosure Recovery Inc. and its affiliated entities, including the platforms operating at usforeclosurerecovery.com and assetrecoverybusiness.com. By providing payment information, you authorize the payment processor to charge the applicable fee, and any scheduled installment payments under the three-payment plan or in-house financing option, to your designated payment method on the agreed schedule.

Third-party "buy now, pay later" services (such as Klarna, Afterpay, or similar) are not offered for the program fee. The only available installment options are the three-payment plan and in-house financing described in Section 3.1.

Fees do not include applicable sales tax, value-added tax (VAT), or other governmental taxes or fees, which shall be your responsibility. If a scheduled installment payment fails, the Company will attempt to contact you and reattempt collection. The Company reserves the right to suspend access to the Service, including paused activation of the Vegas Vacation Client Incentive described in Section 3.5, until payments are brought current.

The Company reserves the right to update pricing for future enrollments upon thirty (30) days' written notice. Price changes do not affect previously completed enrollments or payment plans already in progress.

6. Money Back Guarantee

The Company offers a Money Back Guarantee on the Asset Recovery Agent Partnership program. If, after twelve (12) months of active participation, the agent has not closed a deal, the Company will refund the full $995 program payment, subject to the qualification and disqualification standards below.

6.1 Qualification Requirements

To qualify for the refund, the agent must, throughout the twelve-month period:

• Complete the training program within sixty (60) days of enrollment.
• Work assigned leads each week.
• Use the Company's phone system for client outreach (calls are recorded).
• Maintain monthly contact with the support team.
• Follow the scripts and processes provided in training and the dashboard.
• Comply with all program terms and remain in good standing.

6.2 Disqualification

An agent is disqualified from the Money Back Guarantee if the agent does not complete training, does not seek support, fails to document weekly outreach effort, or otherwise materially deviates from program processes.

The Money Back Guarantee replaces any prior "double your money back" or similar offer. No prior offer remains in effect.

7. Trial Policy

The Company does not currently offer free trials. All access to the Service requires a completed purchase. From time to time, the Company may offer promotional pricing or limited-time offers at its sole discretion.

8. Refund Policy

Due to the nature of our digital product and the significant cost associated with lead qualification technology, all purchases are generally non-refundable.

Before Access: If you have not yet accessed or downloaded any lead data, you may request a refund within seven (7) days of purchase by contacting support@usforeclosurerecovery.com. Refunds requested before any data access will be processed within 10 business days.

After Access: Once you have accessed the lead dashboard, viewed lead data, or downloaded any lead information (CSV exports, individual lead details, or contact data), your eligibility for a refund is substantially diminished. This is because:

• (a) The Company has invested significant capital in the technology, data sources, and third-party services required to qualify, skip-trace, enrich, and deliver verified leads.
• (b) Lead data, once viewed or downloaded, cannot be returned or un-accessed.
• (c) The cost of skip tracing, DNC verification, property enrichment, and continuous data updates represents a material per-lead expense that is incurred on your behalf at the time of access.

Dispute Resolution for Refund Requests: If you believe exceptional circumstances warrant a refund after data access, you may submit a written request to support@usforeclosurerecovery.com explaining your circumstances. Each request will be evaluated individually at the sole discretion of the Company.

The Company reserves the right to terminate or suspend your account immediately for violation of these Terms without refund or credit.

9. Lead Delivery

Enrolled agents receive fifty (50) verified leads per week, delivered through the platform dashboard. Each lead is exclusive to the agent to whom it is assigned and is not shared with any other agent. Leads are skip-traced and DNC-scrubbed prior to delivery.

On the agent's behalf, the Company mails certified letters to the assigned leads, including proof of service, jurisdiction-appropriate language, and a free claims guide for the homeowner. The Company also runs ringless voicemail, SMS, and email drip outreach to the agent's leads using the agent's name and contact information.

The Company does not guarantee that any specific number of leads will respond, contract, or close. Lead volume targets are commercially reasonable estimates and may vary by week based on data availability, jurisdiction, and seasonal factors. The Company will, in good faith, replace verifiably duplicate or invalid leads.

Agents may not redistribute, resell, or transfer leads to any third party. Lead data is provided for the agent's exclusive use under this Agreement.

10. Acceptable Use Policy

You agree to use the Service in compliance with all applicable federal, state, and local laws and regulations. You expressly agree NOT to:

• Use the Service for any unlawful, fraudulent, or deceptive purpose.
• Violate the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, or any other consumer protection laws.
• Contact individuals on federal or state Do Not Call registries without proper authorization or exemption.
• Harass, threaten, or abuse any individual through use of the Service.
• Scrape, copy, or redistribute lead data to third parties without express written permission from the Company.
• Attempt to reverse engineer, decompile, or otherwise derive source code from the Platform.
• Introduce viruses, malware, or any other harmful code to the Service.
• Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.
• Use automated systems (bots, scripts) to access the Service except as expressly permitted by the Platform's functionality.
• Impersonate the Company, its employees, or any other person or entity.

Violation of this Acceptable Use Policy may result in immediate termination of your account and may expose you to civil and criminal liability.

11. Data Accuracy Disclaimer

The lead data, contact information, and other information provided through the Service is derived from publicly available records, third-party data sources, and automated data processing systems. While the Company makes commercially reasonable efforts to provide accurate and up-to-date information, we make NO GUARANTEES OR WARRANTIES regarding the accuracy, completeness, timeliness, or reliability of any data provided.

Public records may contain errors, omissions, or outdated information. Third-party data providers may supply inaccurate or incomplete data. Users acknowledge and accept that:

• Lead data may not reflect current property ownership, contact information, or legal status.
• Skip tracing results may produce incorrect or outdated contact details.
• DNC scrubbing services are provided as a convenience and do not guarantee absolute compliance with all applicable Do Not Call regulations.
• Some leads may be duplicates, invalid, or otherwise unsuitable for your intended purpose.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND. It is your sole responsibility to verify the accuracy of all data before using it for any business purpose. The Company shall not be liable for any losses, damages, or consequences arising from reliance on inaccurate or incomplete data.

12. Compliance Obligations

You are solely responsible for ensuring that your use of the Service complies with all applicable laws and regulations, including but not limited to:

• Telephone Consumer Protection Act (TCPA): You must obtain proper consent before making automated calls, sending text messages, or leaving pre-recorded voicemails. You are responsible for maintaining records of consent.
• Federal Trade Commission (FTC) Telemarketing Sales Rule: You must comply with Do Not Call regulations, including maintaining an internal Do Not Call list and honoring consumer opt-out requests.
• State-Specific Laws: Many states have additional telemarketing, data privacy, and consumer protection laws. You are responsible for understanding and complying with the laws of each state in which you operate.
• Fair Debt Collection Practices Act (FDCPAA): If your activities constitute debt collection, you must comply with all applicable debt collection laws.
• CAN-SPAM Act: If you send commercial email, you must comply with CAN-SPAM requirements, including providing opt-out mechanisms and accurate sender information.

The Company provides DNC scrubbing as a tool to assist with compliance, but this service does not guarantee full compliance with TCPA or other regulations. It is your responsibility to verify compliance independently and to implement additional safeguards as necessary.

Failure to comply with applicable laws may result in significant fines, penalties, and legal liability. The Company assumes no responsibility for your compliance and shall not be liable for any violations or consequences arising from your use of the Service.

13. Intellectual Property

All content, software, code, design, graphics, logos, trademarks, trade names, and other materials on the Platform (collectively, "Intellectual Property") are owned by or licensed to Foreclosure Recovery Inc. and are protected by United States and international copyright, trademark, patent, and other intellectual property laws.

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes only. This license does not grant you any rights to:

• Copy, modify, distribute, sell, or lease any part of the Service or its underlying software.
• Reverse engineer, decompile, or attempt to extract source code from the Platform.
• Remove or alter any copyright, trademark, or proprietary notices.
• Use the Company's trademarks, logos, or branding without prior written consent.
• Create derivative works based on the Platform or its content.

Unauthorized use of the Company's Intellectual Property may result in termination of your account and legal action to protect our rights.

14. Voice, Biometric Data & Media Release

14.1 Call Recording & Voice Collection

All telephone calls placed to or received from the Company, its agents, partners, or affiliated phone systems are recorded for quality assurance, training, compliance verification, and dispute resolution purposes. By placing or receiving a call through any Company phone line, extension, or system, you acknowledge and consent to the recording and storage of that call in its entirety, including any voiceprint or biometric voice data captured during the recording.

The Company collects, processes, and stores biometric identifiers derived from voice recordings, including but not limited to voiceprints, vocal patterns, and speech characteristics. This biometric data may be used for identity verification, quality monitoring, agent training, and system improvement. Biometric data will be retained for the duration of your business relationship with the Company plus seven (7) years, or as required by applicable records retention laws, whichever is longer. Biometric data will be destroyed when it is no longer needed for the purposes described in this section, unless retention is required by law or necessary for the protection of either party in connection with a legal proceeding or dispute.

14.2 Use of Recordings for Training & Advertising

The Company reserves the right to use call recordings, transcripts, and excerpts from calls for internal training purposes, including but not limited to onboarding new agents, demonstrating sales techniques, compliance training, and improving service delivery. Recordings may be anonymized or used in their original form at the Company's discretion.

The Company may also use call recordings, excerpts, and related content for marketing, advertising, promotional materials, case studies, and testimonials, provided that such use does not misrepresent the content or context of the original communication. By continuing to use the Service after being notified of this policy, you grant the Company a non-exclusive, royalty-free, worldwide license to use such recordings for the purposes described in this section.

14.3 Media Release & Likeness Rights

If you agree -- whether verbally (recorded), in writing, or through electronic acceptance -- to participate in any podcast, webinar, live call, live Zoom session, video recording, screen share, or any other media production organized by or affiliated with the Company, you grant the Company and its successors an irrevocable, perpetual, worldwide, royalty-free, fully transferable license to use, reproduce, distribute, display, perform, create derivative works from, and otherwise exploit your name, voice, likeness, image, statements, and any other identifying characteristics captured during such participation, in any and all media formats now known or hereafter developed, in perpetuity (ad infinitum), for any lawful purpose including but not limited to advertising, marketing, training, educational content, social media, broadcast media, and promotional materials.

The Company shall retain all rights granted under this section to the fullest extent permitted by applicable law. You acknowledge that you will not receive compensation beyond what has already been agreed upon (if any) for the Company's use of your likeness and media participation as described herein.

14.4 Removal Requests & Legal Limitations

The Company respects individual privacy rights and will comply with all applicable federal and state laws governing biometric data, voice recordings, and likeness rights, including but not limited to the Illinois Biometric Information Privacy Act (BIPA), the California Consumer Privacy Act (CCPA), the Texas Capture or Use of Biometric Identifier Act (CUBI), and any other applicable state biometric privacy statutes.

You may submit a written request to have your voice recordings, biometric data, or media content removed by contacting the Company at the address provided in the Contact Information section of these Terms. The Company will process removal requests in accordance with applicable law, provided that such removal:

• Does not conflict with any applicable rules of civil procedure, litigation hold obligations, or court orders requiring the preservation of evidence.
• Does not violate any federal, state, or local records retention requirements applicable to the Company's industry or business operations.
• Does not compromise the Company's ability to protect its rights or the rights of other parties in connection with any pending or reasonably anticipated legal dispute, investigation, audit, or regulatory proceeding.
• Does not apply to recordings or materials that have already been incorporated into published training materials, advertisements, or content distributed to third parties prior to the date of the removal request, where recall or deletion is not commercially practicable.

The Company will acknowledge receipt of any removal request within ten (10) business days and will provide a substantive response, including any applicable limitations or exceptions, within thirty (30) days. Where removal is not possible due to the exceptions listed above, the Company will explain the basis for its determination and, where feasible, offer reasonable alternatives such as anonymization or redaction.

14.5 Consent

By registering for an account, using the Service, placing or receiving calls through the Company's phone systems, or participating in any media production as described in this section, you represent and warrant that you have read, understood, and voluntarily consent to the collection, storage, use, and disclosure of your voice data, biometric identifiers, call recordings, and likeness as described herein. If you do not consent to these terms, you must discontinue use of the Service and notify the Company immediately.

15. Sub-Agent Provisions (Reserved)

This Section is reserved. The Asset Recovery Agent Partnership program does not include sub-agent recruitment, override commissions, or downstream agent management rights. Any future sub-agent program offered by the Company will be governed by a separate written agreement.

16. White-Label License (Reserved)

This Section is reserved. The Asset Recovery Agent Partnership program does not include a white-label license, branded website clone, or rights to operate the Company's platform under the agent's own brand. Any future white-label license offered by the Company will be governed by a separate written agreement.

17. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FORECLOSURE RECOVERY INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

The Company shall not be liable for:

• Any inaccuracies, errors, or omissions in lead data or other information provided through the Service.
• Any failure or delay in the Service caused by factors outside the Company's reasonable control, including third-party data provider failures, internet outages, or force majeure events.
• Any legal claims, fines, penalties, or damages arising from your failure to comply with applicable laws, including TCPA, FDCPA, or DNC regulations.
• Any business losses, lost opportunities, or damages resulting from your reliance on data provided by the Service.

Some jurisdictions do not allow the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply, and you may have additional rights.

18. Indemnification

You agree to indemnify, defend, and hold harmless Foreclosure Recovery Inc., its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of the Service in violation of these Terms.
• Your violation of any applicable laws or regulations, including but not limited to TCPA, FDCPA, CAN-SPAM, or state telemarketing laws.
• Any claims by third parties arising from your contact or communication with leads obtained through the Service.
• Your breach of any representations, warranties, or obligations under these Terms.
• Any infringement or violation of intellectual property rights, privacy rights, or other rights of third parties.

The Company reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with the Company's defense of such claims.

19. Dispute Resolution & Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service (collectively, "Disputes") shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA).

Arbitration Agreement: You and the Company agree that all Disputes will be resolved through individual arbitration and not through class action, class arbitration, or any other representative proceeding. You hereby waive your right to participate in a class action lawsuit or class-wide arbitration.

The arbitration shall be conducted by a single arbitrator appointed in accordance with AAA rules. The arbitration shall take place in the State of Wyoming unless otherwise agreed by both parties. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Each party shall bear its own costs and attorneys' fees in connection with arbitration, except that the arbitrator may award costs and fees to the prevailing party if permitted by law.

Exceptions to Arbitration: Either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

20. Governing Law

These Terms and any Disputes arising out of or related to the Service shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of laws principles.

To the extent that arbitration does not apply or is unavailable, you agree to submit to the exclusive jurisdiction of the state and federal courts located in the State of Wyoming for resolution of any legal proceedings.

21. Modifications to Terms

The Company reserves the right to modify, amend, or update these Terms at any time in its sole discretion. When changes are made, the Company will update the "Last Updated" date at the top of this page and may notify you via email or through a notice on the Platform.

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must immediately discontinue use of the Service and cancel your subscription.

It is your responsibility to review these Terms periodically for updates. Material changes will be highlighted or communicated to active Users.

22. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. The remaining Terms shall continue in full force and effect.

23. Entire Agreement

These Terms, together with the Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Foreclosure Recovery Inc. regarding the Service and supersede all prior or contemporaneous communications, agreements, and understandings, whether written or oral.

24. Contact Information

If you have any questions, concerns, or complaints regarding these Terms of Service or the Platform, please contact us at: