Legal
Terms of Service
Placeholder — not final legal text.
Placeholder document
This is placeholder text for a demonstration prototype and is not legal advice or a binding agreement. Final terms will be prepared by counsel before launch.
Nature of the service
Lost & Owed provides research, organization and educational tools. We do not file claims with any agency, court or administrator, and we do not act as your attorney or representative.
No guarantee of recovery
Possible matches are informational starting points. We make no representation that any listed record belongs to you or that any amount will be paid.
Your responsibilities
You are responsible for the accuracy of the information you provide and for any claim you choose to submit to an official source.
Prohibited use
You may not use Lost & Owed to submit claims for property you know is not yours or to impersonate another person.
Fees
The first search and basic claim guidance are free. Optional monitoring is a paid subscription. We never take a percentage of any amount you recover.
Changes
We may update these terms. Continued use after an update constitutes acceptance.