Terms and Conditions (“Terms”)

Financial Recoveries, Inc. (“FRI” for the terms in this document) Terms and Conditions of Use:

By accepting these terms, you acknowledge awareness that FRI is a third-party debt collection agency. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.

By accessing or using this site/service you agree to be bound by these terms. If you disagree with any part of the terms, then you may not access the site/service.

Use of this site is for authorized user only. Unauthorized use or disclosure of this site or any of its content is strictly prohibited. FRI reserves the right, in its sole discretion, to terminate or restrict your access to this website, without notice, in the event you violate any of the Terms of Use.

This site and its content is for the purpose of providing information about FRI, your collection account balances and to provide various payment options that are offered by our company. This site is not intended to provide legal advice nor be interpreted as providing legal advice. Any updates, changes, removal, and/or addition of new accounts or information, are subject to the terms of use. FRI reserves the right to change, modify or update the site, its content including but not limited to the terms of use at any time without notice and at our sole discretion.

You acknowledge you are an authorized user. You acknowledge and agree, you are not accessing anyone else’s account, with or without the permission of the account holder. You acknowledge and agree that you were sent and received validation notice(s) regarding your account(s) and are responsible for the account(s) placed by your creditor(s). If you have more than one account, you also acknowledge and agree that the account(s) listed under your user name may not represent all the account(s) with FRI. FRI is not liable for any loss you may incur as a result of someone else accessing your account information, either with or without your knowledge. You further acknowledge and agree that FRI shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with such disclosures and use. You are entirely responsible for maintaining the confidentiality of your account information and for any and all activities that occur under your account. You also agree that any information you provide on the site may be disclosed, including but not limited to a third party or entity in order to service your account.

You agree to notify FRI immediately of any unauthorized use of your account and/or any other breach of security.

Should you need help with the site or have any questions, please contact our offices at 920-933-6206 during business hours of: Monday through Friday 8:00am-5:00pm Central Standard Time.

You agree, in order for us to service your account or to collect any amounts you may owe, now or in the future, we may contact you by telephone, including but not limited to wireless, cellular, internet based, landline or facsimile, numbers, at any telephone number associated with your account, whether provided by you, provided by your creditor(s) (which you expressly provided to them) or through other various means. You understand and agree, standard telephone minute, data and message rates may apply. Methods of contact may include using prerecorded/artificial voice messages and/or use of an automatic dialing device, as applicable. You also agree, we may contact you by sending text messages, emails or through any other electronic, virtual, chat and/or traditional means of communication, using any e-mail address or telephone (cellular or otherwise) you provide to us. These methods will not be used for marketing purposes without your express consent to do so.

If you provide an email address or initiate email communication with us, it is considered that you have provided your express permission to communicate with you via email to that address.

E-SIGN Notice Disclosure:

This E-Sign Notice Disclosure asks for your consent in order for Financial Recoveries, Inc. (“FRI”) to provide you with communications and records in electronic form rather than in paper form. By checking "I agree to the Terms and Conditions/Privacy Policy" and clicking "Continue", you acknowledge receipt of this Electronic Communication Disclosure and Consent form. If you have any questions about receiving information in electronic form or should you wish to request a paper copy of any electronic communication, please contact us at 920-933-6206.

You can elect to withdraw your consent to receive electronic communications at any time by contacting us at 920-933-6206 during our business hours. You are not charged a fee to withdraw your consent. The legal validity and enforceability of prior electronic transactions and services will not be affected if you withdraw your consent.

You understand electronic communications and any attachments thereto may be viewed by third parties and are not secure. FRI and its agents assume no liability for any communications received and/or viewed by any third party. You also understand and acknowledge that communications to or from FRI or its agents may be accessed by others with access to your electronic device, email account or phone number by utilizing an employer owned or shared device or providing an employer or shared email account or phone number.

If you communicate or provide private information to us or a third-party, you also acknowledge and assume any and all responsibility for that information and FRI is not responsible for its disclosure. You acknowledge that electronic communications can be intercepted, altered, forwarded, circulated or used without authorization or detection, stored in paper or electronic format and may be lost due to a technical failure during composition, transmission or storage and agree FRI is not responsible for such an occurrence. In the event, you change your telephone number, address and/or email address, it is your responsibility to notify our office of the change so your account records may be updated accordingly.

There are certain hardware and software requirements for you to be able to access or retain the above stated electronic records (“Electronic Records”). Your device requirements are as follows:

• Must have an active email address.
• An Internet Service Provider selected by you.
• Internet browser such as Internet Explorer or Google Chrome. Cookies and JavaScript must be enabled.
• A computer/tablet/mobile device with an operating system capable of supporting the above.
• Adobe Acrobat Reader or a comparable program that can open PDF (portable document format) files.
• A personal computer/tablet/mobile device, operating system and telecommunications connections to the internet capable of receiving, accessing, displaying, and either printing or storing, communications received in electronic form from us.

You are responsible for configuring your device to accommodate the above requirements and keeping your email address current with us. To notify us of a change in your email address, please contact us at 920-933-6206.

By providing your information utilizing this website and on the following pages, you acknowledge you have received these disclosures and consent to receive additional electronic communications from FRI. You may also request a paper copy of these disclosures by contacting our office.

By entering electronic payment information for payment on your account balance(s), you authorize Financial Recoveries, Inc. to initiate an electronic withdrawal and/or charge (in the case of a credit card) from your account with the Financial Institution indicated. You acknowledge that any charges incurred from a failed transaction may be added to your account balance. Furthermore, you assert that you are the owner or an authorized signer of the bank/credit card account. You also acknowledge there may be a nominal fee based on the amount and/or type of transaction. Interest may be added at the statutory or contracted rate, where applicable.

Please bear in mind that transactions set for dates near or on a holiday or a weekend may not run until the next open business day after the holiday or weekend.
If you have any questions, wish to adjust a payment amount or date, or if you wish to rescind this authorization, please contact our offices at 920-933-6206 during business hours: Monday through Friday 8:00am-5:00pm Central Standard Time.

Our site may contain links to third-party web sites or services that are not owned or controlled by FRI. FRI has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third-party web site or services. You agree that this website may contain proprietary information, notices, products, or services owned by FRI and/or a third-party and nothing contained herein shall be construed as granting you or any user a license under any copyright, trademark, patent or other intellectual property. You further acknowledge and agree that FRI shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

Acceptance of Terms:

Your access to and use of this service/site is conditioned on your acceptance of and compliance with these Terms. These terms apply to all visitors, users and others who access or use this service/site. By agreeing to the terms of use and accessing the site, you indicate that you have read, understand, and agree to these Terms and to be legally bound by them. You also agree this website, contents, terms and conditions are governed by the laws of the State of Wisconsin without regard to its choice of law or conflicts of law principles. You agree to indemnify and hold harmless FRI and its affiliates and each of their respective employees, officers, directors, owners, licensors, licensees, and its agents from any and all claims, liabilities, costs and expenses, including attorneys’ fees and court costs, arising out of or related to any allegation regarding any violation of these Terms by you or by your use of this site. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.