Last Updated: July 2026

1. Structure of Service and Parties

These Terms of Business constitute a legally binding agreement between Jéssica Almeida trading as Recovering My Funds ("we", "our", "us"), operating as a Sole Trader in the United Kingdom (Business Address: SUITE RA01, 195-197 WOOD STREET, LONDON, E17 3NU), and the client ("you", "your") who utilizes our information identification services.

We operate strictly under an Information and Intermediary Model. We identify unclaimed financial assets from corporate insolvency cases. We do not manage, handle, or hold any client funds at any point.

2. The Service and Finder's Fee

• Conditional Disclosure: We identify unclaimed funds through proprietary research. You explicitly acknowledge and agree that the specific identity of the insolvent estate, case reference, and routing information will only be disclosed to you AFTER you have electronically signed and accepted these Terms of Business.

• The Finder's Fee: In consideration for our information identification service, you agree to pay us a commission fee equivalent to 20% (+ VAT, if applicable) of the gross total value of the funds successfully recovered as a direct or indirect result of our disclosure (the "Finder's Fee").
  

3. Protection Against Circumvention and Independent Claims

• Non-Circumvention: Once these Terms are signed and the specific insolvency details are disclosed to you, you agree not to bypass, circumvent, or avoid us to directly or indirectly claim the funds without paying the agreed Finder's Fee.

• Prior Knowledge Clause: If, upon our disclosure, you can provide definitive written proof (dated prior to our communication) that you were already actively actively recovering these specific funds from the appointed Insolvency Practitioner, no fee will be due. Otherwise, if you claim the funds following our disclosure, the Finder’s Fee remains fully due and payable.
  

4. Trigger Event, Notification, and Payment Terms

• The Trigger Event: The Finder’s Fee becomes legally due and payable the exact moment the appointed Insolvency Practitioner, Liquidator, Trustee, or Court transfers, releases, or approves the payout of the funds directly into your designated bank account or possession.

• Duty of Notification: You must notify us in writing (via email) within 48 hours of receiving any approval or direct transfer of the funds from the Insolvency Practitioner.

• Invoicing: We will issue our invoice upon the occurrence of the Trigger Event.

• Payment Window: You must pay our invoice in full within 7 business days from the invoice date. Payments must be made via bank transfer to our nominated business bank account.
  

5. Late Payment and Non-Payment

We take non-payment very seriously. Under the Late Payment of Commercial Debts (Interest) Act 1998, we reserve the right to charge statutory interest at a rate of 8% above the Bank of England base rate, plus statutory compensation fees, on any amounts remaining unpaid after the 7-day payment window.

6. Exclusion of Liability

While we conduct rigorous research using public records (including Companies House and The Gazette), we provide information on an "as-is" basis. We do not guarantee the final processing speed, validity, or the ultimate payout decisions made by the independent Insolvency Practitioners or UK Courts.

7. Governing Law and Jurisdiction

These Terms of Business, and any dispute or claim arising out of or in connection with them, shall be governed by and construed in accordance with the laws of England and Wales. Both parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute.