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Terms of Service

Effective Date: September 24, 2026

Agreement to Terms

By accessing and using the Reclaim.org website (www.reclaim.org) and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

About Reclaim.org

GovRecover Inc, a Delaware corporation doing business as Reclaim Org ("Reclaim.org," "we," "us," or "our"), provides unclaimed property recovery services. We help individuals locate and recover unclaimed funds and property held by state agencies across the United States.

Our Services

Service Description

Reclaim.org provides:

  • Search services to locate unclaimed property and funds

  • Claim preparation and submission to state agencies

  • Follow-up and communication with state agencies on your behalf

  • Document collection and verification assistance

Search Results

Our search looks up state unclaimed-property records, public records, and records from licensed data providers. Results may be incomplete or out of date, and a match is not a determination that property belongs to you: the state decides that when it reviews a claim. Amounts are shown as the state reports them and may be ranges or undisclosed.

No Guarantee of Recovery

While we work diligently to recover your unclaimed property, we cannot guarantee that any claim will be successful. Recovery depends on state agency verification and approval processes beyond our control.

Fees and Payment

Fee Structure

Our services operate on a contingency fee basis:

  • No upfront costs - Searching is free, and you pay nothing to start the process

  • Fees only upon successful recovery - We are paid only when funds are successfully recovered

  • Fee percentage varies by state and case complexity - Specific fees will be disclosed in a written agreement before you sign, and never exceed the maximum your state's unclaimed property law allows

You can always claim your property yourself, for free. Every state allows owners to claim their unclaimed property directly from the state at no cost. Our fee pays for us to find, prepare, document, and follow through on the claim for you. Where your state requires particular contract terms, formats, notarization, or waiting periods for recovery agreements, the signed written agreement for your claim will comply with those requirements, and that agreement controls over these Terms if they conflict.

Fee Disclosure

Before processing any claim, we will provide you with:

  • Clear disclosure of our fee percentage for your specific claim

  • Estimated timeline for the recovery process

  • Any potential additional costs (if applicable)

Payment Processing

Fees are typically deducted from recovered funds before disbursement to you, in accordance with our signed agreement. When a state pays recovered funds directly to you, we instead invoice you for our fee under that agreement, and payment is due as the agreement provides. We may contact you about unpaid invoices by email, phone, mail, or — subject to the Text Messaging terms below — text message.

User Responsibilities

Accurate Information

You agree to:

  • Provide accurate and complete information

  • Search with a mobile number that is yours

  • Submit only valid supporting documents

  • Notify us promptly of any changes to your contact information

  • Respond to requests for additional information in a timely manner

Prohibited Uses

You may not:

  • Submit false or fraudulent claims

  • Use our services for any illegal purpose

  • Access our website or search by automated means, or copy or scrape their results

  • Attempt to circumvent our security measures or search limits

  • Interfere with the proper functioning of our website

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information.

Email Communications

We send email about your claims and your account — status updates, requests for documents or signatures, filing confirmations, and invoices, payment requests, and receipts — and, unless you unsubscribe, email about Reclaim.org services and future offerings. Every marketing email includes an unsubscribe link that works with a single click, with no login and no fee, and we honor unsubscribe requests within ten business days. Unsubscribing from marketing email does not stop claim or billing email or affect how your claims are handled.

Text Messaging (SMS)

We send three kinds of text messages, with separate consent for each.

Verification texts. When you search, you agree to receive a one-time text with a code at the mobile number you enter, to confirm the number is yours. We send one each time you ask for a code.

Claim update texts. By providing your mobile number and expressly agreeing to receive claim update texts — on our website or verbally when you speak with us — you consent to receive messages about your claims and related billing from GovRecover Inc, doing business as Reclaim Org, at that number.

Marketing texts. We send texts about Reclaim.org services and future offerings only if you separately and expressly agree to receive them through a written or electronic signup, such as checking an unticked box on our website. By agreeing to receive marketing texts, you authorize GovRecover Inc, doing business as Reclaim Org, to send you marketing text messages, including messages sent using an autodialer or other automated technology, at the mobile number you provide. Agreeing to verification or claim update texts does not opt you into marketing texts.

Consent Is Optional

Agreeing to receive claim update or marketing texts is not a condition of filing a claim, of using our website, of any purchase, or of receiving any service from us. You may file a claim without opting in, and declining does not affect how your claim is handled. Searching online requires the verification text.

Message Content and Frequency

Verification texts contain only a one-time code. Claim update texts include status updates, reminders about documents that need your signature, confirmation when your claim is filed with the state, and payment requests and receipts if you are invoiced for our fees. Message frequency varies depending on activity on your claim. We send marketing texts only between 12:00 p.m. and 8:00 p.m. in your local time zone, and no more than three concerning the same matter in any 24-hour period, or any stricter limit your state's law requires.

Rates

Message and data rates may apply. Your mobile carrier's standard rates apply to all messages you send and receive.

Stopping Messages

Reply STOP (or QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE) to any message to stop all text messages from us, including claim updates; we will then reach you about your claims by email or mail. You may also revoke consent by any other reasonable method, including emailing support@reclaim.org. We honor opt-out requests promptly, and in all cases within ten business days. After you opt out, we may send a single message confirming your opt-out; it will contain no marketing. Reply HELP for help, or contact us at support@reclaim.org.

Carriers are not liable for delayed or undelivered messages.

Keeping Your Number Current

Tell us promptly if your mobile number changes or is no longer yours, so that messages about your claim are not sent to someone else.

See our Privacy Policy for how we handle your mobile information.

Limitation of Liability

Service Limitations

Reclaim.org provides services "as is" without warranties of any kind. We do not guarantee:

  • Successful recovery of unclaimed property

  • That search results are complete or accurate

  • Specific timelines for claim processing

  • Continuous availability of our website or services

Liability Limits

To the maximum extent permitted by law:

  • Our total liability is limited to the fees you have paid us

  • We are not liable for indirect, incidental, or consequential damages

  • We are not responsible for delays or failures caused by state agencies

Some states do not allow the exclusion or limitation of certain warranties or damages, so some of the above limitations may not apply to you. These Terms do not limit any rights or remedies you have under the consumer protection laws of your state, and nothing in these Terms waives rights that cannot be waived under applicable law.

Indemnification

You agree to indemnify and hold Reclaim.org harmless from any claims, damages, or expenses arising from:

  • Your violation of these Terms

  • Your submission of false, fraudulent, or misleading information or documents

Termination

Your Right to Terminate

You may terminate your agreement with us at any time by contacting support@reclaim.org. However, you remain responsible for fees related to successfully processed claims.

Our Right to Terminate

We may terminate or suspend your access to our services if you:

  • Violate these Terms

  • Provide false information

  • Engage in fraudulent activity

Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles — except that if you are a consumer, this choice of law does not deprive you of protections of the law of the state where you reside that cannot be waived by contract.

Dispute Resolution

Initial Resolution

We encourage you to contact us first at support@reclaim.org to resolve any disputes informally — most concerns can be resolved this way.

Arbitration

If informal resolution fails, any dispute will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, in the county where you live or remotely by video, at your choice. We will pay all arbitration filing, administration, and arbitrator fees beyond the amount of your state's small-claims filing fee. Either party may instead bring an individual claim in small claims court. You may opt out of this arbitration provision by emailing support@reclaim.org within 30 days of first accepting these Terms.

Changes to Terms

We may update these Terms periodically. Material changes will be posted on our website with a new effective date. Continued use of our services after changes constitutes acceptance of the new Terms.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Contact Information

GovRecover Inc, doing business as Reclaim Org

299 Alhambra Circle, Suite 316
Coral Gables, FL 33134

Email: support@reclaim.org
Website: www.reclaim.org

For questions about these Terms, please contact us using the information above.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Reclaim.org regarding your use of our services.

By using Reclaim.org's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.