Terms and Conditions-Consumer Account Related

Effective Date: 09/01/2025 Last Updated: 08/25/2025

Welcome to the website of Financial Recovery Services, Inc.® (“FRS,” “we,” “us,” or “our”). By accessing or using our website located at www.fin-rec.com (“Site”), you agree to comply with and be bound by the following Terms and Conditions (“Terms”). Please read them carefully.

1. Acceptance of Terms

By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. PLEASE READ THE FOLLOWING TERMS AND CONDITIONS (“TERMS”) CAREFULLY AS THEY GOVERN YOUR ACCESS TO AND USE OF ANY WEBSITE ON WHICH THESE TERMS ARE POSTED, INCLUDING BUT NOT LIMITED TO www.fin-rec.com (COLLECTIVELY, THE “WEBSITE”). THESE TERMS APPLY AND BECOME BINDING ON THE FIRST DATE THAT YOU ACCESS ANY PART OF THE WEBSITE OR USE ANY OF THE FUNCTIONALITY PROVIDED THROUGH THE WEBSITE. BY ACCEPTING THESE TERMS OR ACCESSING OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THE TERMS IN EFFECT AT THE TIME OF YOUR ACCESS AND/OR USE AND AGREE THAT YOU ARE BOUND BY THEM. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, PLEASE DO NOT ACCESS OR USE THE WEBSITE.

2. Minimum Age

You represent that you are at least 18 years of age (or the age of majority in the State in which you reside). This Website is not intended for users under 18 years of age, and you may not use this Website if you are under 18 years of age.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You must not:

  • Violate any applicable laws or regulations
  • Attempt to gain unauthorized access to any part of the Site
  • Use the Site to transmit any harmful or disruptive code

4. Intellectual Property Rights

All content on the Site—including text, graphics, logos, images, audio, photo, videos, information, documentation, interfaces, and software—is the property of FRS or its licensors and is protected by copyright, trademark, and other laws. All logo designs and all other names and logs identifying FRS and its products and services or otherwise appearing on the Website are proprietary trademarks of FRS or its licensors. You may not reproduce, distribute, or create derivative works from any content without our express written permission.

5. License to Access and/or Use Website

FRS grants you a personal, revocable, limited, non-exclusive, non-transferable license to access and use the Website and its materials and information solely for your personal and informational use. FRS’s license to you is conditioned on your compliance with these terms. You may not use the Website (or any part of it) for any commercial purposes or in any manner not permitted by these Terms other than that related to assessing personal or business matters related to an ongoing business relationship with FRS. You may print materials and information from the Website solely for your personal and informational use as long as all hard copies contain all copyright and other applicable notices contained in such materials.

6. Prohibited Conduct

You agree Not To:

  • Use the Site in any way that could damage, disable, overburden, or impair our servers or networks;
  • Engage in any activity that interferes with another user’s access or use of the Site;
  • Misrepresent your identity or affiliation with any person or entity;
  • Reproduce, re-distribute, sell, publish, broadcast, or circulate any materials or information contained on the Website to anyone, even if they are in the same company or organization as you;
  • Post materials or information from the Website to news groups, mail lists, or bulletin boards:
  • Modify, edit, alter, or enhance any of the materials or information from the Website in any manner;
  • Submit fraudulent, misleading, or otherwise falsified information;
  • Purposely manipulate, change, or otherwise interfere with the functioning of the Website or any of its subparts and/or correlating security measures;
  • Attempt to gain unauthorized access to the Website, or any part of it, or computer systems or networks connected to the Website, or any part of it, through hacking, password mining, or any other means, or interfere or attempt to interfere with the proper working of the Website or any activities conducted on the Website;
  • Upload, download, post, submit, or otherwise distribute or facilitate the distribution of any content on or through the Website that is unlawful, fraudulent, deceptive, false, misleading, or inaccurate;
  • Obtain or attempt to obtain any materials or information not intentionally made available through the Website;
  • Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars, or intelligent agents) to navigate or search the Website;
  • Use any robot, spider, scraper, or other automated means to access the Website for any purpose without our express written permission or bypass our robot exclusion headers or other measures we use to restrict access to the Website;
  • Utilize framing techniques to enclose any trademark, logo, or other FRS materials or information without our express written consent;
  • Use any meta tags or any other “hidden text” utilizing FRS’s name or trademarks without our express consent.

If FRS, in its sole discretion, believes that you have engaged in any activities restricted by these Terms or by law, your license to access and/or use the Website terminates automatically without notice to you. In addition, we may take other various actions to protect FRS, other users, and other third parties, including:

  • Suspending your access to or use of the Website;
  • Updating inaccurate information you provided to us;
  • Taking legal actions against you;
  • Holding you liable for FRS’s damages caused by your violation or these Terms or applicable law;
  • Referring any suspected fraudulent, abusive, or illegal activity on the Website to the appropriate law enforcement authorities.

7. Communications

By submitting your contact information through the Site, you consent to receive communications from FRS, including emails, phone calls, or text messages, as permitted by law.

By accepting these Terms, you also expressly consent to be contacted by Financial Recovery Services, Inc.® for any purpose, including debt collection, arising out of or relating to your access to or use of the Website, your Account(s), or your debt or outstanding obligations by email, SMS messages (including text messages), and calls and messages delivered using automatic telephone dialing system or an automatic texting system. In the event that an agent or representative calls, he or she may send you a text message or leave a message on your answering machine or voice mail. You also agree that we may record or save voicemails or text messages that are sent to you.

You consent to receive emails, SMS messages (including text messages), calls, and messages from us at the specific number(s) or email address you have provided to us, or numbers or email address we can reasonably associate with your Account(s) (through skip trace, caller ID capture, or other means) for the purposes of debt collection, with service-related information, notices, disclosures, documents, other Account-related correspondence, or questions about your Account(s). You further represent and warrant that the telephone number you have provided to us is your contact number and that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to alert us promptly if your telephone number changes or is no longer in service. You also agree that any email address you provide to Financial Recovery Services, Inc.® is an active and personal private email address accessible only to you and not a workplace or shared email address. You agree that we may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, e-mails, or other means. Standard message and data rates may apply to all SMS messages (including text messages). The number of messages will vary by account. We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice or liability to you.

If at any time you wish to stop receiving communication by electronic means from Financial Recovery Services, Inc.®, you can click the Unsubscribe link contained within the email, reply STOP to stop receiving text messages or contact Financial Recovery Services, Inc.® using the contact information contained under the Account Information & Payments on the Contact & FAQs page of the website. To request support for text messages, reply HELP or email us at [email protected].

8. Federal E-Sign Disclosure and Consent Notice

We may be required by law to give you certain information “in writing” which means you are entitled to receive it on paper. We may provide this information to you electronically, instead, with your prior consent. You agree and consent to receive communications electronically, including but not limited to notices, disclosures, records, documents, and other information (collectively, “Communications”) that we provide or that you agree to at our request in connection with any of your current or future Account(s). We will provide these Communications to you via the Website, or by email. Your consent also confirms that you are able to receive, open, and print (if desired) a copy of such Communications provided through this Website or the email address you provide. Your consent remains in effect until you give us notice that you are withdrawing it. We may always, in our sole discretion, provide you with any Communications in writing, even if you have chosen to receive them electronically. Your consent covers all Communications relating to any of your current or future Account(s).

Hardware & Software Requirements. Your email address must be active and valid to receive and view Communications by email. In order to access and retain electronic Communications, you will need a computer with an internet connection, and an installed printer if you wish to print them. In order to download and view PDF documents on your computer, you need to have a program installed on your computer that accurately reads and displays PDF files such as Adobe Acrobat Reader. We will notify you if there are any material changes to the hardware or software needed to receive electronic Communications from Financial Recovery Services, Inc.® by posting them to the Website or by email. You may print or save a copy of these Communications for your records as they may not be accessible online at a later date.

How to Withdraw Your Consent. You may withdraw your consent to receive Communications electronically by contacting us at 1-866-438-2860 or by contacting [email protected]. If you fail to provide consent or if you withdraw your consent to receive Communications electronically, Financial Recovery Services, Inc.® reserves the right to deny your access to and use of the Website.

Requesting Paper Copies of Electronic Communications. If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy at no charge within 180 days after the date we provided the Communication to you by contacting us at 1-866-438-2860 or by contacting [email protected]. We will send your paper copy to you by U.S. mail to the address we have on file.

Updating Your Contact Information. It is your responsibility to keep your primary email address up to date so that Financial Recovery Services, Inc.® can communicate with you electronically, and you must promptly notify us of any change in your email address. Please note that if you use a spam filter that blocks or re-routes emails, you must allow senders with the domain extension @fin-rec.com so that you will be able to receive the Communications we send you. You may update your email address on your Account profile page, by calling us at 1-866-438-2860, or by contacting us at the following email: [email protected].

9. Access To Your Account(s)

In order to use certain features of the Website relating to your Financial Recovery Services, Inc.® account(s) (“Account(s)”), you may need to create an online username and select a password. You are responsible for the security of your password and login credentials. You also agree that you are solely responsible for all actions under your login credentials, whether or not authorized by you, subject to applicable laws and the rules of any applicable payment network used to make payments on this Website. You must notify us immediately of any unauthorized use of your login credentials or password. Financial Recovery Services, Inc.® is not liable for any loss or damage from your failure to comply with these requirements.

When registering for login credentials or otherwise providing information on the Website, you agree to (a) maintain the security of your password and login credentials; (b) provide accurate, current, and complete information as may be prompted by any forms available through the Website or otherwise requested by us; (c) maintain and promptly update your information to keep it accurate, current, and complete; (d) promptly notify us regarding any material changes to your contact information and payment information; and (e) be fully responsible for all use of the Website under your login credentials or related to your Account(s), including transactions made on your Account(s).

Multi-Factor Authentication

Authentication is the process by which a website or app verifies your identity, typically by using a username and password. Oftentimes, a username and password is not sufficiently secure when it comes to sensitive data such as financial or education data. Multi-factor authentication (MFA), also called two-factor authentication or two-step verification, is a process that adds at least one more step, or “factor”, to verifying your identity in order to increase security around sensitive data. This step is usually a confirmation of your identity in the form of a text message, voice message, email, or notification on an authentication app. Financial Recovery Services, Inc.® uses MFA to increase the safety of your online account(s) by requiring entry of a onetime verification code in order to gain access to your account. Your verification code may be received by text message, voice message, or authentication app. Please ensure that the personal information we hold for you (mobile phone number) is accurate and remains up to date.

10. Online Payments

If you elect to use the Website to make a payment (“Online Payment”), you agree to these Online Payment Terms.

Among other information, your Account(s) will show your original creditor, seller, merchant, account balance, and account offers, if any. You may pay your outstanding obligations through the Website either by initiating a one-time payment or enrolling in a payment plan in accordance with these Online Payment Terms. If you initiate any payment through the Website, you authorize Financial Recovery Services, Inc.® to charge the debit card you provide, charge the debit card you designate for payment via any accepted payment application, or initiate a debit from the bank account you designate on the Website. You represent that you have the legal right to use any debit card or other payment account you designate for payment through the Website.

  • Payment Methods. You may, depending on the status of your Account, make a payment on the Website using your debit card, your debit card via any other accepted payment application, or by authorizing a debit from your checking or savings account via Electronic Funds Transfer (EFT). Additional payment methods accepted by Financial Recovery Services, Inc.® outside of the Website (e.g., payment by mail or by telephone) are described here. Please note that Financial Recovery Services, Inc.® does not currently accept payment by credit card or in an amount of less than $5.00.
  • One-Time Payments. You may initiate a one-time payment through the Website using your debit card, your debit card via accepted payment applications, or by Electronic Funds Transfer (EFT) from your bank account. We will process the payment on the date you designate. Your payment may be subject to any limits imposed by your financial institution. You may not pay more than the full balance of your Account or make changes to a payment on the same day that the payment is scheduled to be debited. Changes will go into effect the following business day. Financial Recovery Services, Inc.® may also impose limits on or reject any payment or transaction if it suspects fraud, unauthorized use of a payment account, or as required by law.
  • Payment Plan. You may also set up a payment plan (a “Payment Plan”) where your payment amount is debited automatically from your bank account on the day you select. You may cancel the Payment Plan at any time by changing the settings in your Account, but you may not cancel the Payment Plan on the day that a payment is scheduled to be debited. Changes will go into effect the following business day. If you enroll in a Payment Plan, you agree that your monthly account statement from Financial Recovery Services, Inc.® will serve as notice of the amount of each payment deduction.
  • Financial Recovery Services, Inc.® may determine at any time that you are ineligible to participate in Online Payment and remove you from Online Payment, even if you have already enrolled. If this occurs, you will thereafter be required to make payment using an alternative method.
  • You are responsible for keeping your payment information current and for maintaining a sufficient amount of funds in your bank account to cover the full amount of any payments made to us. If your bank notifies us that there are insufficient funds (“NSF”) in your account to pay the amount you authorized for payment or otherwise rejects an EFT debit request, NSF fees may be imposed on you by your financial institution. Financial Recovery Services, Inc.® is not liable for any such NSF fees.
  • By participating in Online Payment, you agree that Financial Recovery Services, Inc.® may obtain financial information regarding your designated payment account(s) from your financial institution and/or other accepted payment platforms for the purposes of performing electronic payments, resolving payment issues, and verification.
  • You understand that use of any other payment platforms may be subject to agreements or terms of use with those payment platforms or other parties.
  • If there is an unauthorized electronic fund transfer to Financial Recovery Services, Inc.®, you must immediately report it to Financial Recovery Services, Inc.® or your bank. You may notify Financial Recovery Services, Inc.® by email or telephone, or in writing. You are liable for subsequent transfers to the extent permitted by state law.
  • If you believe an error exists in how we applied a payment, you must notify Financial Recovery Services, Inc.® of the error by email or telephone, or in writing. Your notice must identify you by name and Account number, and indicate why you believe an error exists. Please include the type, date, and amount of the error to the extent possible. Financial Recovery Services, Inc.® shall promptly investigate and report the results of our investigation to you. Most complaints are resolved and closed within 30 days of receipt. If we determine that no error occurred or that an error occurred in a manner or amount different from that described by you, our report of the results of the investigation will include a written explanation of our findings. Upon request, we shall promptly provide copies of the documents.

11. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Wesite and its content are provided “as is” and “as available” without warranties of any kind. FRS disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. FRS further does not warrant the accuracy or completeness of the information, text, graphics, links, or other items contained in the materials. The Website may be temporarily unavailable at certain times for maintenance or other reasons. FRS has no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure, theft or destruction, or unauthorized access to, or alteration of, the Website. FRS is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or other communications on account of technical problems or traffic congestion on the Internet or on the Website, or combination thereof, including injury or damage to you or to any other person’s computer related to or resulting from participating or downloading materials in connection with the Website. The laws of certain States may not allow certain disclaimers of warranties with respect to consumers, in which case the limitations and disclaimers above apply to the maximum extent permitted by your jurisdiction.

12. Limitation of Liability

To the fullest extent permitted by law, FRS shall not be liable for any damages arising out of or related to your use of the Site, including direct, indirect, incidental, consequential, or punitive damages.

13. Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law principles.

15. Contact Us

If you have any questions about these Terms, please contact us at: Financial Recovery Services, Inc.®, 1345 Mendota Heights Road, Suite 100, Mendota Heights, MN 55120 ; Phone: 1-866-438-2860 ; or Email: [email protected]