Terms of service

Last Updated: June 2026

These Terms of Service (“Terms”) govern your use of the website, services, and communications provided by K.Y. Asset Recovery Group (“we”, “us”, “our”). By accessing our website or engaging our services, you agree to these Terms.

If you do not agree, you must discontinue use of our website and services.

1. Description of services

K.Y. Asset Recovery Group provides:

  • Surplus funds recovery assistance

  • Claim preparation and support

  • Communication and guidance throughout the recovery process

We do not provide legal advice, financial advice, or representation as attorneys. Our services are administrative and support‑based.

2. Eligibility

To use our services, you must:

  • Be at least 18 years old

  • Be the rightful owner, heir, or authorized representative of the claim

  • Provide accurate and truthful information

We reserve the right to refuse service if fraud, misrepresentation, or abuse is suspected.

3. Client responsibilities

You agree to:

  • Provide accurate, complete information

  • Respond to requests for documentation in a timely manner

  • Notify us of any changes to your contact information

  • Refrain from abusive, threatening, or inappropriate communication

Failure to comply may result in termination of services.

4. Service fees

Service fees are outlined in your Surplus Funds Service Agreement and may include:

  • A contingency‑based service fee

  • Fees only payable upon successful recovery

No fees are charged upfront unless explicitly stated in writing.

5. No guarantee of outcome

While we work diligently to assist with surplus funds recovery, we cannot guarantee:

  • Approval of your claim

  • The amount of funds recovered

  • Processing timelines by government agencies or courts

All outcomes depend on third‑party entities and legal processes outside our control.

6. Communication & messaging terms

By contacting us or submitting your information, you may receive:

  • Email communications

  • Phone calls

  • SMS/text messages (if you opt in)

SMS program terms

Our SMS Terms & Conditions apply, including:

  • You may opt out at any time by texting STOP

  • Reply HELP for assistance

  • Message/data rates may apply

  • Carriers are not liable for delayed or undelivered messages

Full SMS terms are included in our Privacy Policy.

7. Data privacy

Your privacy is extremely important to us.

  • We do not sell or share your data for marketing purposes.

  • Mobile opt‑in data is never shared for any purpose.

  • All data handling is governed by our Privacy Policy, which forms part of these Terms.

8. Intellectual property

All content on our website—including text, graphics, logos, and documents—is the property of K.Y. Asset Recovery Group and may not be copied, reproduced, or distributed without written permission.

9. Prohibited activities

You agree not to:

  • Use our website for unlawful purposes

  • Attempt to access restricted systems or data

  • Submit false or fraudulent information

  • Interfere with website functionality

Violations may result in legal action.

10. Third‑party links

Our website may contain links to third‑party websites. We are not responsible for:

  • Their content

  • Their privacy practices

  • Their terms of use

Accessing third‑party sites is at your own risk.

11. Limitation of liability

To the fullest extent permitted by law:

  • We are not liable for indirect, incidental, or consequential damages.

  • We are not responsible for delays or decisions made by courts, government agencies, or financial institutions.

  • Our total liability is limited to the amount you paid us, if any.

12. Termination of services

We may suspend or terminate services if:

  • You violate these Terms

  • You provide false information

  • You engage in abusive or inappropriate behavior

You may terminate services at any time by notifying us in writing.

13. Changes to these terms

We may update these Terms periodically. Updates will be posted with a revised “Last Updated” date. Continued use of our website or services constitutes acceptance of the updated Terms.

14. Governing law 

These Terms are governed by the laws of British Columbia, Canada, without regard to conflict‑of‑law principles.

15. Contact information

For questions about these Terms, contact:

K.Y. Asset Recovery Group Email: karmelle@kyarg.com Website: www.kyarg.com