These Terms and Conditions govern the use of the Homeowner Equity Advocates website and services. By accessing this website, submitting information, or engaging our services, you agree to be bound by these Terms and Conditions. If you do not agree, you should not use this website or our services.

Homeowner Equity Advocates is an independent surplus fund recovery service operating nationwide. We are not a law firm, do not provide legal representation, and are not attorneys. We are not affiliated with, endorsed by, or connected to any federal, state, county, or local government agency. Our services are private, optional, and intended to assist clients in identifying and recovering surplus funds that may be owed to them following foreclosure, tax sale, or similar proceedings.

Use of this website is for informational purposes only. While we strive to provide accurate and current information obtained from public records and third-party sources, we make no representations or warranties regarding the completeness, accuracy, or reliability of any information. Nothing on this website constitutes legal, financial, or tax advice, and clients are encouraged to consult qualified professionals regarding their individual circumstances.

Clients who engage Homeowner Equity Advocates do so voluntarily and acknowledge that they have the right to pursue surplus funds independently at no cost by contacting the appropriate court, county, or government agency directly. Our services are offered for convenience and professional assistance only.

All services are governed by a written agreement between Homeowner Equity Advocates and the client. Agreements may be executed electronically and are legally binding under applicable electronic signature laws, including the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state Uniform Electronic Transactions Acts (UETA). By signing electronically, clients consent to conduct business electronically and acknowledge that electronic signatures carry the same legal effect as handwritten signatures.

Homeowner Equity Advocates operates on a contingency-based compensation model. We are only compensated if surplus funds are successfully recovered on behalf of the client, as outlined in the signed agreement. If no funds are recovered, no fee is owed.

Recovery of surplus funds is not guaranteed. Eligibility, approval, and release of surplus funds are determined solely by the applicable court or government authority. Processing times vary by jurisdiction and are outside the control of Homeowner Equity Advocates. Delays, denials, or partial recoveries do not constitute a breach of these Terms.

Clients agree to provide accurate, complete, and truthful information necessary to pursue recovery efforts. Homeowner Equity Advocates is not responsible for losses, delays, or denials resulting from inaccurate, incomplete, or misleading information provided by the client.

To the fullest extent permitted by law, Homeowner Equity Advocates shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of this website or services. Any liability shall be limited to the amount actually paid to Homeowner Equity Advocates under the applicable agreement.

All content on this website, including text, logos, graphics, branding, and materials, is the intellectual property of Homeowner Equity Advocates and may not be copied, reproduced, distributed, or used without prior written consent.

Homeowner Equity Advocates reserves the right to update or modify these Terms and Conditions at any time. Continued use of the website or services after changes are posted constitutes acceptance of the revised Terms.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the state in which Homeowner Equity Advocates is headquartered, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the appropriate courts of that jurisdiction.