Terms of Service

Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“Client,” “you,” or “your”) and American Eagle Investigations, Inc. (“AEI,” “we,” “us,” or “our”), a Florida corporation and licensed Private Investigative Agency.

Submission of a search request, execution of a service agreement, or engagement of AEI in any capacity constitutes your acceptance of these Terms in their entirety. Each form on our website shows a notice next to the submit button with links to these Terms and our Privacy Policy. A search request creates no fee obligation; fees and formal services are governed only by a signed Service Agreement (see Section 4). These Terms apply to all inquiries, searches, and investigative or claims recovery services provided by AEI.

Description of Services

AEI provides licensed private investigative services focused on the identification, verification, and recovery of unclaimed property held by the State of Florida on behalf of its rightful owners. Our services include:

• Searching the Florida Bureau of Unclaimed Property database and related records to identify property potentially owed to you
• Verifying your legal entitlement to identified property through investigative research and document review
• Preparing, completing, and submitting claim documentation to the Florida Department of Financial Services on your behalf
• Corresponding with state agencies as necessary to process and obtain approval of your claim
• Coordinating payment of approved claims as directed in your signed Service Agreement (the State of Florida pays you and AEI directly or, under a Purchase Agreement, AEI pays you the agreed net purchase amount)

AEI may perform parts of these services through service providers it hires on your behalf, including its claims-processing partner, Saving Grace Funds Recovery, LLC. Those providers may access your information as needed for your claim and may contact you about it, and references in these Terms to communications from AEI include communications from them.

Initial property searches are provided at no charge and without obligation. Formal investigative and claim recovery services are provided only upon execution of a written service agreement.

If you choose to receive text messages from us, our SMS Terms also apply.

Eligibility

Our services are available to individuals and entities who:

• Are 18 years of age or older, or legal representatives of a minor beneficiary
• Have a legitimate legal basis to claim the property identified (as original owner, heir, beneficiary, legal representative, or authorized agent)
• Are able to provide truthful, accurate, and complete information as required to process a claim
• Are not prohibited by applicable law from entering into a binding agreement

By engaging our services, you represent and warrant that you meet all eligibility requirements and that all information you provide is truthful, accurate, and complete to the best of your knowledge. Providing false or misleading information in connection with an unclaimed property claim may constitute fraud under Florida law and will result in immediate termination of our engagement.

Engagement & Service Agreement

AEI’s formal investigative and recovery services commence only when you sign a written Service Agreement. The Service Agreement is the Unclaimed Property Recovery Agreement (Form DFS-UP-309) or, if you choose to sell your property to AEI, the Unclaimed Property Purchase Agreement (Form DFS-UP-310). Both are forms prescribed by the Florida Department of Financial Services under Rule 69G-20.0021, Florida Administrative Code, and both identify AEI as the registered representative. A Recovery Agreement states:

• The unclaimed property accounts covered and their total dollar value
• The percentage deducted for AEI’s total fees and costs, the dollar amount of that deduction, and the net amount payable to you
• Your authorization for AEI to take the steps needed to prepare and file the claim on your behalf
• Your authorization for AEI’s fees and costs to be deducted from the total and paid directly to AEI if the claim is approved
• That the agreement ends when the funds have been disbursed and covers no other asset or claim

The Service Agreement, together with these Terms, constitutes the complete agreement between the parties regarding the identified property. In the event of a conflict between these Terms and a signed Service Agreement, the Service Agreement shall control.

Contingency Fee Structure

AEI charges no upfront fees and no upfront costs for its services. Our compensation is contingency-based: we are paid only if the State of Florida approves and pays your claim, and only out of the amount the State approves.

Fee Amount

The percentage is stated in your signed Service Agreement and will comply with all applicable Florida statutory limitations on finder’s fees for unclaimed property recovery. On the Unclaimed Property Recovery Agreement, that single percentage is AEI’s total fees and costs: the form shows the percentage, the dollar amount deducted, and the net amount you receive.

When Fees Are Earned

AEI’s fees and costs are earned only if the State approves your claim, and they are paid out of the approved amount. If your claim is not approved, no fees or costs are due or owed by you.

How Payment Is Made

Payment is made as directed in your signed Service Agreement.

• Recovery Agreement (Form DFS-UP-309). The State of Florida pays AEI’s total fees and costs directly to AEI and pays the net amount directly to you at the mailing address you give on the form. AEI does not receive or hold your net amount.
• Purchase Agreement (Form DFS-UP-310). If you choose to sell your property to AEI, AEI will pay you the net purchase amount shown on the form within 30 days after you sign it. Once you have sold the property, you may not file a claim for those accounts yourself.

Expenses

Normal recovery for a living owner. AEI covers the expenses incurred in the normal course of recovering property for a living owner, such as certified documents, notarization, and courier or filing costs required by the State. You are not billed for them separately. They are part of AEI’s total fees and costs, which AEI recovers only through the percentage on your agreement and only if your claim is paid.

Outside the normal course. Two situations go beyond a normal recovery. AEI does not cover them, and they remain the responsibility of the claimant or the estate:

• Liens and other debts that attach to the property or that must be paid or resolved before the property can be released
• Probate expenses necessary to recover funds belonging to a deceased owner, such as court filing fees, the cost of opening an estate or having a personal representative appointed, and attorney’s fees

AEI is not a law firm, and where probate is required you will generally need a licensed Florida attorney. If we learn that either situation applies to your claim, we will tell you in writing before you need to take any step that would incur the cost.

Client Obligations

To enable AEI to perform its services effectively, you agree to:

• Provide truthful, accurate, and complete information as requested, including personal identification, documentation of entitlement, and any information relevant to your claim
• Respond to AEI’s requests for information or documentation in a timely manner
• Promptly notify AEI of any change in your contact information, legal name, or circumstances that may affect your entitlement to claimed property
• Not engage any other finder, agent, or representative to pursue the same unclaimed property while a Service Agreement with AEI is in effect, without prior written consent
• Execute documents reasonably required to authorize AEI to act on your behalf with the State of Florida
• Notify AEI if you independently contact the State of Florida regarding any property covered by your Service Agreement

Failure to fulfill these obligations may result in delays to your claim, termination of our engagement, or liability for costs incurred by AEI in reliance on your representations.

No Guarantee of Recovery

AEI makes no representation, warranty, or guarantee that any specific unclaimed property will be successfully recovered. The State of Florida retains final authority to approve or deny any claim, and approval is subject to its review of documentation, determination of legal entitlement, and applicable law.

AEI will provide you with honest, professional assessment of the likelihood of recovery based on available information, but such assessments are not guarantees of outcome.

Licensing & Regulatory Compliance

AEI operates as a licensed Florida Private Investigative Agency under License No. A 3500302, issued by the Florida Department of Agriculture and Consumer Services, Division of Licensing, pursuant to Chapter 493, Florida Statutes.

All investigative services are performed in accordance with applicable Florida law, including but not limited to Chapter 493 (Private Investigation, Recovery, and Repossession) and Chapter 717 (Florida Disposition of Unclaimed Property Act). AEI’s principal investigator and all team members engaged in investigative activities hold appropriate credentials and are subject to the professional standards and conduct requirements of Chapter 493.

AEI does not perform any investigative activities that exceed the scope of its license or that are prohibited by applicable law.

Confidentiality

AEI treats all client information as strictly confidential. All personal, financial, and investigative information obtained in the course of our engagement will be used solely for the purpose of performing services on your behalf and will not be disclosed to unauthorized third parties.

Confidentiality obligations survive the termination of any engagement. AEI’s full confidentiality practices are described in our Privacy Policy, which is incorporated herein by reference.

You agree that investigative methods, databases, research techniques, and proprietary processes used by AEI in performing its services are confidential and proprietary to AEI and shall not be disclosed to any third party without our prior written consent.

Intellectual Property

All content on AEI’s website and marketing materials, including text, graphics, logos, and branding, is the proprietary property of American Eagle Investigations, Inc. and is protected by applicable intellectual property law. You may not reproduce, distribute, or create derivative works from any AEI content without prior written permission.

Reports, analyses, and work product prepared by AEI specifically for your engagement remain the property of AEI until all fees are paid in full, at which point relevant deliverables are provided to you for your personal use in connection with your claim.

Limitation of Liability

To the fullest extent permitted by applicable law, AEI’s total liability to you for any claim arising from or related to our services shall not exceed the total fees and costs AEI actually received in connection with the specific engagement giving rise to the claim.

AEI shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to lost profits, loss of opportunity, or damages arising from the State of Florida’s denial or delay of any claim.

AEI shall not be liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including changes in state law or procedure, state agency backlogs, acts of government, or events of force majeure.

Indemnification

You agree to indemnify, defend, and hold harmless AEI and its officers, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to:

• Your breach of any representation, warranty, or obligation under these Terms or your Service Agreement
• Your provision of false, misleading, or fraudulent information in connection with your claim
• Any third-party claim asserting an ownership interest in property claimed by you
• Your violation of any applicable law in connection with your claim

Termination

Termination by Client

You may terminate your Service Agreement with AEI at any time by providing written notice. If you terminate after AEI has identified property and begun claim preparation, AEI may be entitled to a fee on any subsequent recovery of identified property within a period specified in your Service Agreement, in accordance with applicable Florida law.

Termination by AEI

AEI reserves the right to terminate any engagement immediately and without liability upon discovery that you have provided false or fraudulent information, engaged in conduct that violates applicable law, breached material obligations under these Terms or your Service Agreement, or created circumstances that make continued representation impractical or unethical.

Effect of Termination

Upon termination, AEI will provide you with copies of documents you provided and any claim materials prepared on your behalf. Provisions of these Terms relating to confidentiality, limitation of liability, indemnification, and dispute resolution survive termination.

Dispute Resolution

In the event of any dispute, claim, or controversy arising from or relating to these Terms or any Service Agreement, the parties agree to first attempt in good faith to resolve the matter through direct negotiation.

If the dispute cannot be resolved through negotiation within thirty (30) days of written notice, the parties agree to submit the dispute to non-binding mediation in Volusia County, Florida, before a mutually agreed mediator, as a condition precedent to filing any legal action.

If mediation is unsuccessful, any legal action shall be brought exclusively in the state or federal courts of competent jurisdiction located in Volusia County, Florida, and both parties consent to the personal jurisdiction of such courts.

Governing Law

These Terms and any Service Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. The parties acknowledge that AEI’s services relate specifically to Florida unclaimed property law and that Florida law is the appropriate governing law for all aspects of the parties’ relationship.

Modifications to Terms

AEI reserves the right to update or modify these Terms at any time. The updated Terms will be posted with a revised “Last Updated” date. Your continued engagement with AEI following the posting of updated Terms constitutes your acceptance of the changes.

Modifications to these Terms will not affect the terms of any Service Agreement already executed prior to the modification, unless both parties agree in writing.

Severability & Entire Agreement

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

These Terms, together with your executed Service Agreement and AEI’s Privacy Policy, constitute the entire agreement between you and AEI regarding the subject matter hereof and supersede all prior communications, representations, and understandings, whether written or oral.

Contact Information

For questions about these Terms of Service, to report a concern, or to exercise any right described herein, please contact AEI in writing: