Terms and Conditions

Effective Date: 12/03/2025 Last Updated: 12/03/2025

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, photos, 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 logos 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. Access To Your Account(s)

In order to use certain features of the Website relating to your Financial Recovery Services, Inc.® 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. 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.® can use MFA to increase the safety of your online account(s) by requiring entry of a one-time 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.

8. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Website 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.

9. 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.

10. 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.

11. Links to Other Sites

The Website may from time to time include links to other websites that are not under our control. We provide these links for your information and convenience only and do not endorse the content of such linked websites or third parties. FRS expressly disclaims any responsibility for the content or availability of any linked site or any link contained in a linked site. We may terminate any link or linking program at any time. When you access any of the third-party sites linked to this site, you do so at your own risk.

12. 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.

13. 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
Email: [email protected]