Terms and Conditions

1. Agreement to Terms

By accessing and using the services of Keystone Fund Recovery ("Company," "we," "us," or "our"), you accept and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Service Description

Keystone Fund Recovery provides surplus funds recovery services, assisting clients in identifying and claiming surplus funds from foreclosure sales, tax sales, and other sources. We are surplus funds claim specialists—not attorneys—and do not provide legal advice or representation.

2.1 What We Do:

• Research public records to identify potential surplus funds
• Prepare and file claim documentation
• Track claim progress through government processes
• Coordinate fund disbursement
• Provide updates throughout the recovery process

2.2 What We Don't Do:

• Provide legal advice or legal representation
• Act as attorneys in court proceedings
• Guarantee specific recovery amounts or outcomes
• Make legal arguments in court

3. Eligibility

Our services are available to:

• Former property owners
• Heirs of former property owners
• Legal lienholders
• Other parties legally entitled to surplus funds

You must be at least 18 years old and have the legal capacity to enter into binding agreements.

4. Fee Structure

4.1 Contingency Basis

We operate on a contingency fee basis, meaning:

• No upfront fees or costs
• No fees unless we successfully recover funds
• We advance all filing fees and administrative costs
• Our fee is deducted from recovered funds only

4.2 Fee Percentage

Our fee structure will be clearly outlined in your service agreement. For New York State claims, fees comply with applicable state regulations and will not exceed statutory limits.

5. Client Obligations

As our client, you agree to:

• Provide accurate and complete information
• Respond promptly to requests for documentation
• Sign necessary authorization forms
• Notify us of any changes in contact information
• Not file duplicate claims through other services

6. No Guarantee of Results

While we use our best efforts to recover surplus funds, we cannot guarantee:

• The existence of surplus funds
• The amount of any potential recovery
• The success of any claim
• Specific timelines for recovery

Each case is unique and subject to various factors beyond our control, including government processing times and competing claims.

7. Confidentiality

We maintain the confidentiality of all client information and use it solely for the purpose of pursuing your surplus funds claim. We do not sell, rent, or share your personal information with third parties except as necessary to process your claim or as required by law.

8. Limitation of Liability

To the maximum extent permitted by law:

• Our liability is limited to the fees actually paid to us
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for government delays or denials
• We are not liable for changes in law or regulations

9. Indemnification

You agree to indemnify and hold harmless Keystone Fund Recovery, its officers, employees, and agents from any claims, damages, or expenses arising from:

• Your breach of these Terms
• Your provision of false or misleading information
• Your violation of any laws or regulations
• Claims by other parties to the surplus funds

10. Termination

Either party may terminate the service agreement:

• By providing written notice
• If the other party breaches the agreement
• If continuing services becomes impractical or impossible

Upon termination, you remain responsible for any fees owed for funds already recovered.

11. Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New York, and New York law shall apply.

12. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.

13. Disclaimers

NO ATTORNEY-CLIENT RELATIONSHIP: Use of our services does not create an attorney-client relationship. We are not a law firm and our staff are not attorneys.

NO LEGAL ADVICE: We do not provide legal advice. For legal advice, please consult a qualified attorney.

INFORMATION PURPOSES: Information on our website is for general informational purposes only and should not be relied upon as legal advice.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified Terms.

15. Severability

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

16. Entire Agreement

These Terms, together with our Privacy Policy and your signed service agreement, constitute the entire agreement between you and Keystone Fund Recovery.