Privacy Policy

1. Information We Collect

We may collect the following categories of information:

Personal Information you voluntarily provide, including:

• Name
• Email address
• Phone number
• Mailing address
• Property address and foreclosure-related details (as provided by you)
• Claim documentation and identity verification documents (when required for filing)

Technical Information automatically collected, including:

• IP address
• Browser type
• Device information
• Operating system

Usage Information such as:

• Pages visited
• Time spent on pages
• Navigation behavior

2. How We Use Your Information

We use collected information to:

• Identify potential surplus funds and evaluate claim eligibility
• Conduct research related to foreclosure sales and public record documentation
• Prepare, submit, and support filing documentation required by counties, courts, or other agencies
• Respond to inquiries and schedule consultations
• Send confirmations, reminders, and service-related communications
• Provide customer support
• Improve website performance and customer experience
• Maintain internal records and reporting
• Comply with legal and regulatory requirements

We do not sell or rent your personal information.

3. SMS Communications & Opt In Consent

By providing your phone number and opting in, you consent to receive SMS messages from Lucky 13 Surplus Recovery LLC, DBA Overage Refund Group, which may include:

• Inquiry follow ups and intake updates
• Appointment confirmations and reminders
• Document requests
• Claim status notifications
• Customer service communications
• Optional informational or promotional messages related to surplus fund recovery (if you opt in)

SMS Details:

• Message frequency may vary
• Standard message and data rates may apply
• You may opt out at any time by replying STOP
• For assistance, reply HELP or contact us directly

Consent to receive SMS messages is not a condition of purchase.

4. Mobile Information Sharing Statement (A2P Compliance)

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt in data and consent. This information will not be shared with any third parties.

5. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to:

• Improve website functionality
• Analyze website traffic and performance
• Remember user preferences

You may disable cookies through your browser settings. Disabling cookies may affect certain website features.

6. Data Security & Handling

We use industry standard administrative, technical, and physical safeguards to protect your personal information. Access to sensitive data is limited to authorized personnel and trusted service providers.

While we take reasonable steps to secure your data, no method of online transmission or storage can be guaranteed to be 100% secure.

7. User Rights

Depending on your location, you may have the right to:

• Request access to your personal information
• Request correction or deletion of your data
• Opt out of marketing communications
• Withdraw consent at any time

To exercise these rights, please contact us using the information below.

8. Legal Disclosure

We may disclose your information if required to do so by law, court order, or legal process, or to protect our rights, property, or safety.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date.

10. Contact Information

Replace the email and phone above with your official business contact details if different.