Agreement Overview

This End-User License Agreement ("EULA" or "Agreement") is a legal agreement between you ("User," "you," or "your") and Full Circle Asset Recovery LLC ("Company," "we," "us," or "our") governing your use of our asset recovery platform, including all related software, applications, tools, and services (collectively, the "Software").

IMPORTANT: BY ACCESSING, INSTALLING, COPYING, OR OTHERWISE USING THE SOFTWARE, YOU AGREE TO BE BOUND BY THE TERMS OF THIS EULA. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SOFTWARE.

1. License Grant

Subject to the terms and conditions of this Agreement, Full Circle Asset Recovery LLC grants you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Software for your authorized business purposes related to asset recovery services
• Use the Software in accordance with your assigned user role and permissions
• Access documentation and support materials provided with the Software

This license is granted solely for use in connection with legitimate asset recovery activities, including but not limited to surplus fund recovery, heirship verification, case management, and attorney coordination.

2. License Restrictions

You agree NOT to:

• Copy, modify, adapt, translate, or create derivative works based on the Software
• Reverse engineer, disassemble, decompile, or attempt to discover the source code of the Software
• Rent, lease, lend, sell, sublicense, or transfer the Software or your access rights to any third party
• Remove, alter, or obscure any proprietary notices, labels, or marks on the Software
• Use the Software to develop competing products or services
• Use the Software for any unlawful purpose or in violation of any applicable laws or regulations
• Use the Software to harass, abuse, or harm another person or entity
• Circumvent, disable, or interfere with security features of the Software
• Use automated systems, bots, or scripts to access the Software without authorization
• Share your login credentials with unauthorized users
• Access data belonging to other users or organizations without proper authorization
• Introduce viruses, malware, or other harmful code into the Software

3. User Accounts and Access

3.1 Account Registration

To use the Software, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Role-Based Access

The Software implements role-based access control. Your access to features and data is determined by your assigned role (e.g., super_admin, ops_admin, attorney, analyst, caller, auditor, read_only). You agree to operate only within the scope of your assigned permissions.

3.3 Account Security

You are responsible for all activities that occur under your account. You must immediately notify us of any unauthorized access or security breach. We reserve the right to suspend or terminate accounts that violate this Agreement.

4. Intellectual Property Rights

4.1 Ownership

The Software, including all content, features, functionality, design elements, source code, algorithms, machine learning models, databases, and documentation, is owned by Full Circle Asset Recovery LLC and protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

4.2 Reservation of Rights

All rights not expressly granted in this Agreement are reserved by Full Circle Asset Recovery LLC. No implied licenses are granted.

4.3 Feedback

If you provide suggestions, ideas, or feedback regarding the Software, you grant us a perpetual, irrevocable, royalty-free license to use such feedback for any purpose without compensation or attribution to you.

5. Data and Content

5.1 Your Data

You retain ownership of any data you input into the Software. By using the Software, you grant us a license to process, store, and transmit your data as necessary to provide the services.

5.2 Data Accuracy

You are responsible for the accuracy, quality, and legality of all data you input into the Software. You represent that you have the right to provide such data and that its use does not violate any third-party rights.

5.3 Sensitive Information

The Software processes sensitive personal information, including claimant data, financial information, and heirship records. You agree to handle all such information in compliance with applicable privacy laws, including FCRA, HIPAA, and state privacy regulations as applicable.

5.4 AI and Machine Learning

The Software utilizes artificial intelligence and machine learning technologies for case evaluation, document processing, heirship verification, and decision support. While we strive for accuracy, AI-generated outputs should be reviewed by qualified personnel before taking action on significant decisions.

6. Third-Party Services

The Software integrates with third-party services including, but not limited to:

• Plaid (bank account verification and financial data)
• QuickBooks Online (accounting and financial management)
• TLOxp/TransUnion (skip tracing and identity verification)
• ICE SiteXPro (property data and valuations)
• DocuSign (electronic signatures)
• Google Cloud Platform (infrastructure services)

Your use of third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the availability, accuracy, or content of third-party services.

7. Professional and Legal Use

7.1 Attorney Users

Attorneys using the Software represent that they are duly licensed to practice law in their respective jurisdictions and maintain appropriate malpractice insurance. Attorney users agree to comply with all applicable rules of professional conduct.

7.2 Compliance

You agree to use the Software in compliance with all applicable federal, state, and local laws and regulations, including but not limited to:

• Fair Credit Reporting Act (FCRA)
• Fair Debt Collection Practices Act (FDCPA)
• State finder fee regulations
• Privacy and data protection laws
• Anti-money laundering regulations
• State bar rules and professional conduct requirements

7.3 No Legal Advice

The Software is a tool to assist with asset recovery operations. It does not provide legal advice. Users should consult with qualified legal professionals for legal guidance.

8. Confidentiality

You agree to maintain the confidentiality of:

• All proprietary information regarding the Software and its features
• Trade secrets, algorithms, and business processes revealed through use of the Software
• Client and claimant data accessed through the Software
• Financial information and commission structures
• Any information designated as confidential

This confidentiality obligation survives termination of this Agreement.

9. Disclaimer of Warranties

THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Software will meet your specific requirements
• The Software will be uninterrupted, timely, secure, or error-free
• Results obtained from using the Software will be accurate or reliable
• Any errors in the Software will be corrected
• AI-generated outputs will be accurate or complete

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FULL CIRCLE ASSET RECOVERY LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Cost of procurement of substitute services
• Damages arising from unauthorized access to or alteration of your data
• Damages resulting from third-party services or integrations
• Damages resulting from AI or machine learning outputs

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless Full Circle Asset Recovery LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of the Software
• Your violation of this Agreement
• Your violation of any applicable law or regulation
• Your violation of any third-party rights
• Any data or content you submit through the Software
• Any claims arising from your asset recovery activities

12. Term and Termination

12.1 Term

This Agreement is effective upon your first use of the Software and continues until terminated.

12.2 Termination by User

You may terminate this Agreement at any time by discontinuing use of the Software and requesting account deletion.

12.3 Termination by Company

We may terminate or suspend your access immediately, without prior notice, for any reason, including but not limited to breach of this Agreement, fraudulent activity, or legal requirements.

12.4 Effect of Termination

Upon termination, your right to use the Software will immediately cease. Provisions that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, limitations of liability, indemnification, and confidentiality obligations.

13. Updates and Modifications

We may update, modify, or discontinue the Software or any features at any time without prior notice. We may also update this Agreement from time to time. Continued use of the Software after changes constitutes acceptance of the modified Agreement.

14. Governing Law and Dispute Resolution

14.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any dispute arising from or relating to this Agreement shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. General Provisions

15.1 Entire Agreement

This Agreement, together with our Terms of Service and Privacy Policy, constitutes the entire agreement between you and Full Circle Asset Recovery LLC regarding the Software.

15.2 Severability

If any provision of this Agreement is found to be unenforceable, the remaining provisions shall remain in full force and effect.

15.3 Waiver

Failure to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer this Agreement without our prior written consent. We may assign this Agreement without restriction.

16. Contact Information

For questions about this End-User License Agreement, please contact us:

Email: legal@fullcircleassetrecovery.com

Phone: (307) 323-4303

Address: Full Circle Asset Recovery LLC, 721 Belmont St, Suite 1A, Brockton, MA 02301