Effective Date: August, 2025

Last Updated: September, 2025

Welcome to Surplus Funds Secrets (“Company,” “we,” “our,” or “us”). By enrolling in our courses, accessing our resources, or using our website, you agree to be bound by the following Terms and Conditions. Please read them carefully before using our services.

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1. Eligibility & Use of Services

• Our services, courses, and materials are intended for individuals 18 years or older.

• By using our website or enrolling in our programs, you confirm that you meet this requirement.

• You agree to use our website, courses, and resources only for lawful purposes and in compliance with all applicable laws.

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2. Educational Purpose Only

• Surplus Funds Secrets provides training, mentorship, and resources to help entrepreneurs learn about recovering surplus and unclaimed funds.

• We are not a law firm, financial institution, or government agency.

• Nothing provided on this website, in our courses, or through mentorship should be taken as legal, financial, or tax advice. For such matters, please consult a licensed professional.

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3. Course Enrollment & Payments

• Enrollment in courses or mentorship requires payment in full or as agreed upon in a payment plan.

• All fees are clearly stated before purchase.

• Unless otherwise specified, course purchases are non-refundable due to the immediate access to proprietary educational material.

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4. Intellectual Property

• All course materials, resources, videos, guides, and website content are the intellectual property of Surplus Funds Secrets.

• You may not copy, reproduce, resell, or distribute our content without express written permission.

• Unauthorized use of our materials may result in termination of access and possible legal action.

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5. No Guarantees of Results

• While our courses and mentorship provide education and strategies, we cannot guarantee specific financial results, earnings, or success.

• Your success depends on your effort, skills, and external factors beyond our control.

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6. Limitation of Liability

• Surplus Funds Secrets is not responsible for any losses, damages, or legal issues arising from your use of our website, courses, or strategies.

• You acknowledge and agree that you are solely responsible for how you apply the information we provide.

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7. User Responsibilities

When using our website or enrolling in our courses, you agree:

• To provide accurate, up-to-date information.

• Do not share your login credentials with others.

• Not to misuse or exploit our platform for fraudulent or unlawful activity.

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8. Third-Party Links & Services

• Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of those third-party entities.

• Any engagement with third-party services is at your own risk.

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9. Termination of Access

We reserve the right to suspend or terminate access to our courses or website if you:

• Violate these Terms and Conditions,

• Engage in illegal activity,

• Misuse of our intellectual property or resources.

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10. Changes to Terms

We may update these Terms and Conditions at any time. Updates will be posted on this page with the new effective date. Continued use of our services means you accept the revised terms.

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11. Governing Law

These Terms and Conditions are governed by the laws of the State, without regard to conflict of law principles.

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12. Contact Us

If you have questions about these Terms and Conditions, please contact us at:

• Phone: +1 307 323 4303
• Email: info@surplusfundssecrets.com
• Business Name: Surplus Funds Secrets (A Division of Full Circle Asset Recovery)
• Full Circle Asset Recovery LLC
  721 Belmont Street, Brockton, MA 02301