Terms & Conditions

By creating an account, subscribing to any plan, uploading county lists, or otherwise accessing the SurplusProfit platform ("the Software" or "the Service"), you ("the Enrollee", "you", or "Subscriber") acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions and our Privacy Policy in full. If you do not agree, do not enroll, subscribe, or use the Software.

Every subscription to the Software is an individual enrollment held in your personal capacity as a surplus funds recovery specialist, independent contractor, or business operator. Enrollment is strictly month-to-month. There is no long-term contract, no annual lock-in, and no commitment beyond the current paid billing cycle.

You may cancel at any time from your billing dashboard and your access will remain active through the end of the period you have already paid for. Cancellation stops all future billing only — it does not refund the current cycle.

If you select an annual billing option for convenience, it is billed in advance as a single payment for twelve (12) months of access; it is still a prepaid month-to-month arrangement and not a term contract.

SurplusProfit provides the Software as a month-to-month subscription service only. These Terms govern the license to use the Software; they are not a contract for services, a recovery guarantee, or a business-partnership agreement of any kind. No employment, agency, joint-venture, or fiduciary relationship is created between you and SurplusProfit by your enrollment.

No guarantee is made, expressed or implied. SurplusProfit does not guarantee, promise, or warrant that any lead, county list, skip-trace result, heir record, contract, AI-agent outreach, or pipeline entry will result in a recovered surplus, a signed owner, a successful county filing, or any income whatsoever.

The Software provides market data, public-record aggregation, outreach tooling, and document-generation utilities. Outcomes depend on variables entirely outside SurplusProfit's control — including county statutes, claim deadlines, owner cooperation, heir standing, probate rulings, competing claimants, and your own effort and skill. You accept that you may recover nothing and may lose the full value of your subscription.

Any statistic, projection, or figure shown in the Software (including average surplus per case, county counts, or dollar pools) is aggregate, illustrative, and not a promise of your individual results. Past performance does not indicate future results.

All subscription and one-time purchase payments are final and non-refundable. Because the Software delivers immediate access to proprietary market data, county lists, skip-trace outputs, and digital documents the moment a payment is processed, the value is consumed at the point of delivery and cannot be returned.

SurplusProfit does not issue refunds, credits, chargebacks, or prorated reimbursements for partial months, unused time, unused credits, downloaded county lists, skip-trace batches, generated contracts, or AI-agent message volume. Disputing a charge with your card issuer after access has been granted is a violation of these Terms.

If you do not wish to be billed for the following month, you must cancel before your next billing date. Cancelling after a charge has already been processed does not entitle you to a refund for that cycle.

All data accessed, imported, exported, skip-traced, stored, or transmitted through the Software — including owner names, addresses, phone numbers, email addresses, probate and heir records, and any Personally Identifiable Information (PII) — must be collected, used, stored, and disposed of in strict accordance with all applicable state and federal laws, including but not limited to:

• The Gramm-Leach-Bliley Act (GLBA) and its Privacy Rule for nonpublic personal information;
• The Fair Credit Reporting Act (FCRA), where applicable to consumer report data;
• The Telephone Consumer Protection Act (TCPA) for calls and SMS outreach;
• the CAN-SPAM Act for commercial email;
• state-level UETA / ESIGN-equivalent e-signature laws;
• each individual state's surplus-funds, tax-sale, and unclaimed-property statutes as surfaced in the in-app State Rules module;
• all applicable state data-breach, data-disposal, and consumer-privacy statutes.

You are solely responsible for confirming the legal basis for each contact you make, for honoring state-by-state claim windows and filing authorities, and for obtaining any license, bonding, or registration your jurisdiction requires to recover surplus funds. The Software surfaces reference rules but does not practice law on your behalf.

Any misuse of data obtained through the Software will subject the responsible individual to full liability under applicable state and federal law. Prohibited misuse includes, without limitation:

• using PII for any purpose other than the lawful recovery of surplus funds for that owner or their heirs;
• re-selling, licensing, brokering, or publicly posting owner or heir contact data;
• using skip-trace or heir data to harass, threaten, defraud, or deceive;
• bypassing the Telephone Consumer Protection Act, DNC registry, or state call-restriction laws;
• falsifying notarized signatures, forging owner or heir consent, or filing fraudulent claims;
• mishandling, abandoning, or failing to secure PII in breach of state data-protection and breach-notification statutes.

Violations may result in civil liability, statutory penalties, criminal prosecution, suspension of your Software access without refund, and referral to the relevant state attorney general and federal authorities. You indemnify and hold harmless SurplusProfit from any claim, fine, or action arising from your misuse of data.

You are responsible for all activity under your account, for safeguarding your credentials, and for all data you import into or export from the Software. You may not share, transfer, or sub-license a single enrollment across multiple persons or businesses. Automated scraping, crawling, or reverse-engineering of the Software outside its provided interfaces is prohibited.

SurplusProfit may suspend or terminate access immediately, without refund, for any breach of these Terms — in particular any data misuse under Section 7 or unlawful recovery activity. Sections 4 (No Guarantee), 5 (No Refunds), 6 (Data Compliance), 7 (Data Misuse), and 11 (Limitation of Liability) survive termination and continue to apply.

The Software, its State Rules, its contract and letter generators, and its AI-agent scripts are operational tools and reference materials — not legal advice, not accounting advice, and not a substitute for a licensed attorney or the relevant county tax commissioner's official guidance. You should consult qualified counsel for any specific recovery, probate, or compliance question.

To the maximum extent permitted by law, SurplusProfit's total liability for any claim arising out of or relating to the Software is limited to the amount you actually paid in the month the claim arose, and in no event shall SurplusProfit be liable for lost surplus, lost contracts, lost profits, county denials, or any indirect or consequential damages. You agree to indemnify SurplusProfit against any third-party claim arising from your use of the Software or your handling of data.

SurplusProfit may update these Terms at any time; the "last updated" date below reflects the current version. Continued use of the Software after a change constitutes acceptance of the revised Terms. Material changes will be surfaced in-app or by email where feasible.