Online Privacy Policy Agreement

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Reno-NV awesome money recovery 06-12-2021

Scope

This Privacy Policy applies to personal information processed by Reno-NV Aawesome money recovery d/b/a AMR (AMR,” “we,” “us,” and “our”) in the course of our business, as collected from our Site and from other websites and offline offerings that we operate (collectively, the “Services”). All capitalized terms not defined in this Privacy Policy will have the meanings set forth in the AMR Terms of Use.

Personal Information We Collect When you use our Services, we may collect the following categories of personal information:

Information You Provide to Us Communications with Us. We may collect personal information from you such as email address, phone number, or name when you request information about our Services, or otherwise communicate with us Customer Service and Support. If you call or otherwise interact with AMR’s customer service and support, we may collect the information you provide to our representatives. In addition, we may record telephone calls between you and our representatives for training and quality assurance purposes.

Interactive Features. AMR may offer interactive features such as commenting functionalities, collaboration tools, forums, chat services, and social media pages. AMR and other individuals who use our Services may collect the information you submit or make available through these interactive features. Any information shared on the public sections of these channels will be considered “public” and will not be subject to the privacy protections referenced herein. By using these interactive features, you assume the risk that the personal information provided by you may be viewed and used by third parties for any number of purposes.

Surveys. We may contact you to participate in surveys. If you decide to participate, you may be asked to provide certain information which may include personal information.

Conferences, Trade Shows, and other Events. We may attend conferences, trade shows, and other events where we collect personal information from individuals who interact with or express an interest in AMR and/or the Services. If you provide us with any information at one of these events, we will use it for the purposes for which it was collected.

Business Development and Strategic Partnerships. We may collect personal information from individuals and third parties to assess and pursue potential business opportunities.

Job Applications. We may post job openings and opportunities on the Services. If you reply to one of these postings by submitting your application, CV and/or cover letter to us, we will collect and process the information contained therein to assess your suitability, aptitude, skills, and qualifications for employment with AMR.

Information We Collect Through Your Use of the Services

We may collect certain information automatically when you use the Services. This information may include your Internet protocol (IP) address, user settings, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, details about your browser, operating system or device, location information (including inferred location based off of your IP address), Internet service provider, pages that you visit before, during and after using the Services, information about the links you click, information about how you interact with the Services, including the frequency and duration of your activities, and other information about how you use the Services. Information we collect may be associated with accounts and other devices.

Cookies, Pixel Tags/Web Beacons, and Analytics Information. We, as well as third parties that provide content, advertising, or other functionality on the Services, may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through the Services. Technologies are essentially small data files placed on your device that allow us and our partners to record certain pieces of information whenever you visit or interact with our Services.

Cookies. Cookies are small text files placed in device browsers to store their preferences. Most browsers allow you to block and delete cookies. However, if you do that, the Services may not work properly.

Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded in the Services that collects information about engagement on the Services. The use of a pixel allows us to record, for example, that a user has visited a particular web page or clicked on a particular advertisement. We may also include web beacons in e-mails to understand whether messages have been opened, acted on, or forwarded.

Analytics. We may also use Google Analytics and other service providers to collect and process analytics information on our Services. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and processing of data generated by your use of the Site by going to https://tools.google.com/dlpage/gaoptout.

Information from Other Sources

Third Party Services and Organizations. We may obtain information about you from other sources, including through third-party services and other organizations. For example, if you access or use our Services through a third-party application, such as a third-party login service, we may collect information about you from that third party that you have made available via your privacy settings.

How We Use Your Information

We process personal information for a variety of business purposes, including:

To provide the Services or Information Requested.

Fulfill our contract with you or the organization on whose behalf you use the Services;

Assess the needs of your business to determine suitable products;

Manage your information;

Respond to questions, comments, and other requests;

Provide access to certain areas, functionalities, and features of our Services; and

Answer requests for customer or technical support.

Administrative Purposes.

Pursue legitimate interests, such as direct marketing, research and development (including marketing research), network and information security, and fraud prevention;

Measure interest and engagement in the Services;

Development of new products and services;

Improve our products and Services;

Ensure internal quality control and safety;

Verify individual identity;

Carry out audits;

Communicate with you about activities on the Services and changes to our agreements;

Prevent and prosecute potentially prohibited or illegal activities;

Enforce our agreements; and

Comply with our legal obligations.

Marketing Our Products and Services. We may use personal information to tailor and provide you with content and advertisements. We may provide you with these materials as permitted by applicable law.

If you have any questions about our marketing practices or if you would like to opt out of the use of your personal information for marketing purposes, you may contact us at any time as set forth below.

De-identified and Aggregated Information Use. We may use personal information and other information about you to create de-identified and/or aggregated information, such as de-identified demographic information, de-identified location information, de-identified or aggregated trends, reports, or statistics, or other analyses we create. De-identified and aggregated information is not personal information, and we may use and disclose such information in a number of ways, including research, internal analysis, analytics, and any other legally permissible purposes.

Sharing Content with Friends or Colleagues. Our Services may offer various tools and functionalities. For example, we may allow you to provide information about your friends through our referral services. Our referral services may allow you to forward or share certain content with a friend or colleague, such as an email inviting your friend to use our Services.

Technologies. We, as well as third parties that provide content, advertising, or other functionality on the Services, may use cookies, pixel tags, local storage, and other technologies to automatically collect information through the Services. Our uses of such Technologies fall into the following general categories:

Operationally Necessary. This includes Technologies that allow you access to our Services that are required to identify irregular behavior, prevent fraudulent activity and improve security or that allow you to make use of our functions;

Performance Related. We may use Technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how our visitors use the Services;

Functionality Related. We may use Technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services and keeping track of your specified preferences or past pages viewed;

Advertising or Targeting Related. We may use first-party or third-party Technologies to develop and deliver content, including ads relevant to your interests, on our Services or on third-party sites.

Consent. AMR may use personal information for other purposes that are clearly disclosed to you at the time you provide personal information or with your consent.

How We Disclose Your Information

Service Providers. We may share any personal information we collect about you with our third-party service providers. The types of service providers to whom we entrust personal information include service providers for: (i) the provision of the Services; (ii) the provision of information, products, and other services you have requested; (iii) marketing and advertising; (iv) payment processing; (v) customer service activities; and (vi) the provision IT and related services.

Affiliates. We may share personal information with our affiliated entities.

Business Partners. We may provide personal information to business partners to provide you with a product or service you have requested. We may also provide personal information to business partners with whom we jointly offer products or services.

Interest-Based or Personalized Advertising. Through our Services, TRA may allow third-party advertising partners to set Technologies and other tracking tools to collect information regarding your activities and your device (e.g., your IP address, cookie identifiers, page(s) visited, location, time of day). These advertising partners may use this information (and similar information collected from other services) for purposes of delivering personalized advertisements to you when you visit third party services within their networks. This practice is commonly referred to as “interest-based advertising” or “personalized advertising.” If you prefer not to share your personal information with third party advertising partners, you may follow the instructions below.

APIs and Software Development Kits. We may use third party APIs and software development kits (“SDKs”) as part of the functionality of our Services. APIs and SDKs may allow third parties including advertising partners to collect your personal information to provide content that is more relevant to you. For more information about our use of APIs and SDKs, please contact us as set forth below.

Disclosures to Protect Us or Others. We may access, preserve, and disclose your personal information if we believe doing so is required or appropriate to: (i) comply with law enforcement or national security requests and legal process, such as a court order or subpoena; (ii) protect your, our or others’ rights, property, or safety; (iii) to collect amounts owed to us; (iv) when we believe disclosure is necessary or appropriate to prevent financial loss or in connection with an investigation or prosecution of suspected or actual illegal activity; or (v) if we, in good faith, believe that disclosure is otherwise necessary or advisable.

Merger, Sale, or Other Asset Transfers. If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, then your information may be sold or transferred as part of such a transaction as permitted by law and/or contract.

IInternation Data Transfers

All information processed by us may be transferred, processed, and stored anywhere in the world, including but not limited to, the United States and other countries.

Your Choices

General. You may have the right to object to or opt out of certain uses of your personal information.

Email Communications. If you receive an unwanted email from us, you can use the unsubscribe link found at the bottom of the email. Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding the Services or updates to this Privacy Policy).

Technologies and Personalized Advertising. If you would like to opt-out of the Technologies we employ on the Services, you may do so by blocking, disabling, or deleting them as your browser or device permits. Please note that cookie-based opt-outs are not effective on mobile applications. However, you may opt-out of personalized advertisements on some mobile applications by following the instructions for Android and iOS.

The online advertising industry also provides websites from which you may opt-out of receiving targeted ads from advertisers that participate in self-regulatory programs. You can access these, and also learn more about targeted advertising and consumer choice and privacy, at www.networkadvertising.org/managing/opt_out.asp, https://www.youronlinechoices.eu/ and www.aboutads.info/choices/.

Please note you must separately opt out in each browser and on each device.

“Do Not Track”. Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.

Individual Rights in Personal Information

For purposes of the California Consumer Privacy Act, AMR does not “sell” your personal information.

In accordance with applicable law, you may have the right to: (i) request confirmation of whether we are processing your personal information; (ii) obtain access to or a copy of your personal information; (iii) receive an electronic copy of personal information that you have provided to us, or ask us to send that information to another company (the “right of data portability”); (iv) restrict our uses of your personal information; (v) seek correction or amendment of inaccurate, untrue, incomplete, or improperly processed personal information; (vi) withdraw your consent; and (vii) request erasure of personal information held about you by TRA, subject to certain exceptions prescribed by law. If you would like to exercise any of these rights, please contact us as set forth below.

We will process such requests in accordance with applicable laws. To protect your privacy, AMR will take steps to verify your identity before fulfilling your request.

To request a copy of the specific pieces of personal information AMR has collected about you over the preceding 12 months, send an email to james@awesome-money-recovery.com

Request Access to Your Personal AMR Information ›

To request deletion of the personal information AMR has collected about you, send an email to james@aweome-money-recovery.com

Request Deletion of Your Personal AMR Information ›

Data Retention

We retain the personal information we receive as described in this Privacy Policy for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

Security of Your Information

We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized disclosure.

By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by sending a notice through the Services or by sending an e-mail to you.

Third Party Websites/Applications

The Services may contain links to other websites/applications and other websites/applications may reference or link to our Services. These third-party services are not controlled by us. We encourage our users to read the privacy policies of each website and application with which they interact. We do not endorse, screen or approve, and are not responsible for the privacy practices or content of such other websites or applications. Visiting these other websites or applications is at your own risk.

Children’s Information

The Services are not directed to children under 13 (or other age as required by local law), and we do not knowingly collect personal information from children. If you learn that your child has provided us with personal information without your consent, you may contact us as set forth below. If we learn that we have collected any child’s personal information in violation of applicable law, we will promptly take steps to delete such information.

Changes to Our Privacy Policy

We may revise this Privacy Policy from time to time in our sole discretion. If there are any material changes to this Privacy Policy, we will post a notice of the update on our Site, or as otherwise required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you continue to use the Services after the new Privacy Policy takes effect.

If you have any questions about our privacy practices or this Privacy Policy, please contact us at:

awesome-money-recovery@gmail.com d/b/a AMR

Frequently Asked Questions

Maybe you have a few questions. That’s okay; most people do. So here’s a quick collection of some of the questions people ask us… along with our answers. If you still have a question, don’t hesitate to contact us (or give us a call) and we’ll be happy to answer it for you.

What are surplus funds?

Surplus funds can also be referred to as an “overage”, or “excess funds”. When a property goes into foreclosure, it sells at auction. The foreclosure may be an association foreclosure, a mortgage foreclosure, or a tax-deed foreclosure for example. In any case, when the property sells, it often times will sell for more than the amount for which it was being foreclosed on. These excess funds are called a “surplus”, and these excess funds belong to the original home-owner, or heirs to the original home-owner!

Why would there be funds owed to me?

You have been identified as the appropriate party to claim these funds because property you owned has gone through a foreclosure or tax sale, or because you are an heir to property that has gone through sale.

Where are the funds from?

The funds we are calling you about are held in the county court registry. They are the result of an association foreclosure, a mortgage foreclosure, or a tax-deed foreclosure sale, where the amount the property sold for at auction is more than the amount it was being foreclosed on for. These are called “surplus funds”.

Who can claim surplus funds?

The Legislature in the State of Florida has been very specific in how they worded the law on who is entitled to surplus. Here is the “legalese” version our attorney uses, and below it, our version that’s easier to interpret2021 Florida StatutesTitle VI – Civil Practice and ProcedureChapter 45 – Civil Procedure: General Provisions45.032 – Disbursement of Surplus Funds After Judicial Sale.There is established a rebuttable legal presumption that the owner of record on the date of the filing of a lis pendens is the person entitled to surplus funds after payment of subordinate lienholders who have timely filed a claim. It is the intent of the Legislature to abrogate the common law rule that surplus proceeds in a foreclosure case are the property of the owner of the property on the date of the foreclosure sale. Owner of record” means the person or persons who appear to be owners of the property that is the subject of the foreclosure proceeding on the date of the filing of the lis pendens. In determining an owner of record, a person need not perform a title search and examination but may rely on the plaintiff’s allegation of ownership in the complaint when determining the owner of record. Subordinate lienholder” means the holder of a subordinate lien shown on the face of the pleadings as an encumbrance on the property. The lien held by the party filing the foreclosure lawsuit is not a subordinate lien. A subordinate lienholder includes, but is not limited to, a subordinate mortgage, judgment, tax warrant, assessment lien, or construction lien. However, the holder of a subordinate lien shall not be deemed a subordinate lienholder if the holder was paid in full from the proceeds of the sale.Our version:Whoever owned the property on the date the lawsuit was filed is the party who can claim surplus funds. They can make that claim after any lienholders are paid what they are owed on the property. Other lienholders might be: second or third mortgages, city liens (unpaid water, electricity, trash, etc.), code enforcement violations (didn’t fix something the city asked you to), UCCs (people who have a secured asset they have loaned to you like solar power on the roof, or hot water heaters, etc.) During our case review, our expert specialist will walk you through all the details of your case and who may or may not claim surplus.A lot of times, we see the investor or purchaser at auction try and make a claim for surplus funds. This happens a lot when the homeowner isn’t represented by us. If nobody files an objection to this claim, a lot of judges will grant it. As a result, money that actually belongs to you (the prior homeowner) instead gets wrongfully disbursed to the new buyer of the home at auction. We can and will fight this on your behalf!

I am not the owner of record, why can I claim the funds?

If you aren’t the owner of record, you’ve been identified as an heir to that person. When someone who owns property passes away, and their property goes through foreclosure, the “heirs” of that person are the rightful party to claim surplus.Sometimes it’s as simple as a spouse’s property, or your parents. However, in the state of Florida if someone dies without a will they died “intestate”, and so there is a predefined set of rules on who are the heirs. Your account specialist will walk you through how exactly you are entitled to the funds, but rest assured we are experts in this and have identified you as the right party!

Can my mortgage claim my surplus funds or come after me if I claim surplus funds?

The short answer is, No!

If the mortgage was not named in the foreclosure case, they cannot claim surplus. Even if they are the plaintiff, they can’t claim surplus because they were paid in full from the proceeds of the sale. If they are not named, the reason why they cannot claim surplus is that they still have their “senior” lien on the property; they weren’t “foreclosed”. The person who bought it at auction bought the property with that mortgage still on the property, and so that new property owner is now responsible for that mortgage. In other words, you are in the clear to have us claim the funds on your behalf.

Can I collect these funds on my own?

Typically, a motion needs to be filed with the court so that these funds can be collected. In order to do this, you can hire an attorney on your own which is very costly – attorneys typically charge an hourly rate which you will have to pay out-of-pocket, even if they aren’t successful. Alternatively, if you find an attorney that works on contingency, then they will charge a fee as high as 30% or more!

When the claims are more complex in nature, our attorneys need to work diligently to establish you as the rightful recipient of these funds, and to ensure that the court orders a release of these funds by the agency holding them.

By working with xAwesome Money Recovery, all of the attorney’s fees and related expenses are completely covered by us. There are zero out-of-pocket expenses that you will incur. And we work strictly on a contingency basis, so we only get paid when/if you get paid! And if we are not able to recover any funds on your behalf, then our services are 100% free of charge!

How much time do I have to collect these funds?

After one year, the funds from your foreclosure sale are sent to the Florida treasury. They can still be claimed from there but that process is much more complex and takes significantly longer, so we really need to collect them before one year.

The biggest problem isn’t the funds being lost to the county or state, but there are people who watch these cases and if someone doesn’t file for the funds within the first few months they will fraudulently try and collect the funds for themselves. They might even try and sign your name on certain papers in an attempt to claim the funds.

We have worked with homeowners in the past who were victims of fraud and we were able to defeat those fraudulent claims and get the funds disbursed to the homeowners correctly.

Will I pay anything upfront to claim these funds?

If you utilize xAwesome Money Recovery services, we will never ask you to pay us a dollar out of your pocket. xAwesome Money Recovery will advance any and all costs and fees in order to process your claim. We only are paid on the back-end once we have secured the funds on your behalf. This will all be spelled out in your agreement with us.

I don’t want the money, what happens if I don’t collect the funds?

The funds will eventually be sent to the Florida Department of Treasury, but will stay claimable forever, in the state of Florida these funds do not “escheat” to the state like other states.If you don’t want the funds, consider using xAwesome Money Recovery to partner with one of our charities, many of which go to help homeowners facing foreclosure, or we can partner with a charity of your choosing and direct the funds to them.

I am on social security, Medicaid, or other fixed income support, can I still claim?

Discuss this with your recovery specialist. if needed, we will retain an attorney on your behalf to ensure your income-based support is not disrupted due to claiming your funds.

My home is selling at an HOA foreclosure, but I have a mortgage on the property. Am I still entitled to surplus funds?

In most cases, your primary mortgage is a superior lien to that of the HOA, meaning that their lien on the property is not extinguished as a result of the home selling due to the HOA foreclosure. By law, the mortgage company would not be entitled to the surplus funds, and they are yours to claim. There are other pertinent details that need to be discussed in these situations and our legal team here at xAwesome Money Recovery is perfectly equipped to help you through them.

I have other liens or mortgages on my property, can they claim my funds?

The answer is “maybe”! Each case is different based on many factors, including which parties are actually named in the foreclosure suit. Reno Nevada Awesome Money Recovery legal team will provide you with a detailed overview of your specific case at no cost to you. In many cases, these other liens and mortgages are not named in the foreclosure suit and therefore aren’t entitled to receive any of the surplus funds that you may be entitled to.