Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and US Foreclosure Recovery Inc. ("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

US 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. 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.

4. Subscription Plans & Billing

The Service is offered on a subscription basis with the following pricing tiers:

All subscription fees are billed monthly in advance on the anniversary date of your initial subscription. Payment must be made by credit card, debit card, or other payment method approved by the Company. By providing payment information, you authorize the Company to charge the applicable fees to your designated payment method on a recurring basis.

Subscription fees do not include applicable sales tax, value-added tax (VAT), or other governmental taxes or fees, which shall be your responsibility. If your payment method fails or your account becomes past due, the Company reserves the right to suspend access to the Service until payment is received.

The Company reserves the right to modify subscription pricing upon thirty (30) days' written notice. Price changes will apply to subsequent billing cycles and will not affect the current billing period.

5. Free Trial

New Users may be eligible for a seven (7) day free trial of the Service. During the trial period, you will have access to the features of the selected subscription plan at no charge.

To activate the free trial, you must provide valid payment information. If you do not cancel your subscription before the end of the trial period, your payment method will automatically be charged the applicable subscription fee, and your subscription will continue on a monthly recurring basis.

The free trial is available only once per User or business entity. The Company reserves the right to determine eligibility for the free trial and may deny access if it determines that a User has previously received a trial or is attempting to abuse the trial offer.

During the trial period, all Terms of Service apply in full, including but not limited to acceptable use policies, compliance obligations, and disclaimers.

6. Cancellation & Refunds

You may cancel your subscription at any time by accessing your account settings on the Platform or by contacting customer support at support@usforeclosurerecovery.com. Cancellation will take effect at the end of your current billing cycle, and you will retain access to the Service until that date.

No Refunds Policy: All subscription fees are non-refundable. If you cancel your subscription during a billing cycle, you will not receive a refund or credit for any unused portion of the subscription period. The Company does not provide prorated refunds for partial months of service.

If you cancel during the free trial period, you will not be charged, provided the cancellation is completed before the trial period expires.

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

7. 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.

8. 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.

9. 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.

10. 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 US 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.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, US 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.

12. Indemnification

You agree to indemnify, defend, and hold harmless US 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.

13. 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 Florida 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.

14. 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 Florida, 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 Florida for resolution of any legal proceedings.

15. 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.

16. 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.

17. Entire Agreement

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

18. Contact Information

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