The straightforward terms that govern your use of our website and services.
By accessing this website or engaging Summit Claims Advisors, LLC ("Summit," "we," "us," or "our"), you ("you," "Client," or "user") acknowledge that you have read, understood, and agree to be bound by these Terms of Service, together with our Privacy Policy. If you do not agree, please do not use the site or our services.
Summit assists former property owners (and, where applicable, their heirs, successors, or authorized representatives) in recovering money they may be owed following a foreclosure. We are a private recovery firm. We are not a government agency, law firm, title company, or financial advisor, and your use of this site does not create an attorney‑client, fiduciary, or agency relationship except as expressly set out in a signed recovery agreement.
It costs nothing to contact us or to have us look into whether money may be owed to you. There are no consultation fees, application fees, or charges of any kind for an initial inquiry. If no money is recovered on your behalf, you owe us nothing.
By engaging Summit, you represent that you are at least 18 years of age and that you are the rightful party (or a duly authorized representative of the rightful party) entitled to pursue the claim in question. You agree to provide documentation reasonably necessary to establish identity and entitlement.
If there is a potential claim and you choose to proceed, you will be asked to review and sign a separate written recovery agreement. That agreement, once executed, governs the specific terms of our engagement and controls in the event of any conflict with these Terms.
You agree to provide accurate, current, and complete information; to cooperate reasonably during the recovery process; and not to misuse the site or our services. You acknowledge that you may pursue any claim on your own or through other representatives, and that you are never obligated to use Summit.
Eligibility, timelines, and amounts vary by case and jurisdiction. Nothing on this site is a promise or guarantee of any particular outcome. Any figures, statistics, testimonials, or examples shown are illustrative only and are not a prediction of your results.
By providing your contact information, you consent to be contacted by phone, text, or email regarding your inquiry. Message and data rates may apply. You may opt out of non‑essential communications at any time.
Your use of the site is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. We do not sell your personal information.
The content, branding, copy, and design of this site are owned by Summit or its licensors and are protected by applicable intellectual‑property laws. You may not copy, reproduce, or reuse them without our prior written permission.
The site may reference or link to third‑party resources. We do not control and are not responsible for the content, policies, or practices of any third party.
The site and all information on it are provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non‑infringement.
To the fullest extent permitted by law, Summit and its officers, members, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the site or our services, even if advised of the possibility of such damages.
You agree to indemnify and hold harmless Summit and its affiliates from any claims, losses, liabilities, or expenses arising out of your breach of these Terms or your misuse of the site.
Summit is not liable for any delay or failure to perform resulting from causes beyond its reasonable control, including acts of government, court backlogs, natural events, or disruptions to communications or third‑party systems.
Where Summit successfully recovers funds on your behalf under a signed recovery agreement, our compensation consists solely of a contingency fee equal to an agreed percentage of the amounts actually recovered. Such fee is deducted from the recovered amount, is payable only upon successful recovery, and shall in no event exceed the maximum percentage or amount permitted by the applicable laws and regulations of the state in which the claim arises. The specific percentage applicable to your matter is set out in your individual recovery agreement and disclosed to you before you sign. No fee is owed if no recovery is obtained.
Any dispute arising out of or relating to these Terms or our services shall first be addressed through good‑faith negotiation. Where permitted by law, unresolved disputes shall be resolved by binding arbitration on an individual basis, and you waive any right to participate in a class action.
These Terms are governed by the laws of the state in which Summit is organized, without regard to its conflict‑of‑laws principles.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
We may update these Terms from time to time. Material changes will be reflected by the "last updated" date above. Your continued use of the site after changes take effect constitutes acceptance of the updated Terms.
These Terms, together with our Privacy Policy and any signed recovery agreement, constitute the entire agreement between you and Summit regarding the subject matter herein and supersede any prior understandings.
Questions about these Terms? Reach us at [email protected] or (904) 689-8998.