1. Introduction

Atlas Recovery LLC ("Atlas Recovery," "we," "us," or "our") respects your privacy and is committed to protecting the personal and business information of every individual and organization that engages with our website, client portal, or collections services. This Privacy Policy explains what information we collect, how we use and protect it, and your rights with respect to that information.

By accessing our website at atlas-recovery.com or using any of our services, you acknowledge that you have read, understood, and agree to the practices described in this Policy.

2. Information We Collect

We collect information in the following categories:

• Identity and Contact Information: Name, title, company name, email address, phone number, and mailing address provided when submitting an inquiry, creating an account, or engaging our services.
• Collections and Financial Data: Advance details, outstanding balances, merchant information, payment history, UCC filing data, and related documentation provided in connection with a collections engagement.
• Communications Data: Records of correspondence, notes from calls or meetings, and documentation generated in the course of a collections engagement.
• Technical and Usage Data: IP addresses, browser type, device identifiers, referring URLs, and page interaction data collected automatically when you visit our website.
• Payment Data: Payment information processed through our Melio integration. We do not store card numbers or bank account details directly. Payment data is processed by Melio's PCI-DSS-compliant infrastructure and subject to Melio's privacy practices.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and evaluate proposed collections engagements;
• To manage active collections files, track recovery activity, and provide status reporting to authorized clients;
• To process payments through Melio and maintain financial records associated with each engagement;
• To communicate with you regarding your account, active files, or matters related to our services;
• To comply with applicable laws, regulations, court orders, and legal process;
• To protect the rights, interests, and property of Atlas Recovery and our clients;
• To improve our website, portal, and internal operating systems.

4. Disclosure of Information

We do not sell, rent, or trade personal information. We may share information with the following parties:

• Authorized Clients: Funders, ISO partners, and other authorized representatives involved in an active collections engagement receive information relevant to that engagement;
• Legal Counsel: Attorneys engaged in connection with enforcement, litigation, or regulatory matters;
• Service Providers: Technology and infrastructure providers, including Melio (payments), Retool (client portal), and cloud hosting services, each operating under confidentiality and data security obligations;
• Legal and Regulatory Authorities: Where disclosure is required by applicable law, court order, or valid regulatory demand.

5. Data Retention

We retain personal and business information for as long as necessary to fulfill the purposes described in this Policy, including to satisfy legal, accounting, regulatory, or reporting requirements. Collections file data is retained for a minimum of seven (7) years following file closure. Website inquiry and communication data is retained for a minimum of three (3) years. You may request deletion of personal information subject to the limitations described in Section 8 below.

6. Security

We implement industry-standard administrative, technical, and physical safeguards to protect the information we hold against unauthorized access, use, modification, or disclosure. These measures include encrypted data transmission, access controls limited to authorized personnel, and secure cloud infrastructure. No method of electronic storage or transmission is entirely secure; we cannot guarantee absolute security but are committed to maintaining commercially reasonable protections.

7. Third-Party Services

Our services involve integrations with third-party platforms, including Melio for payment processing and Retool for client portal infrastructure. These platforms operate under their own terms of service and privacy policies. We encourage you to review those policies independently. Atlas Recovery is not responsible for the privacy practices of third-party services.

8. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, restrict processing of, or request deletion of personal information we hold about you. To submit a request, please contact us at privacy@atlas-recovery.com. We will respond within thirty (30) days. Certain information may be retained where required by law, legal process, or legitimate business necessity notwithstanding a deletion request.

9. Cookies and Tracking

Our website may use cookies and similar tracking technologies to support basic functionality and understand how visitors interact with our site. We do not use advertising or behavioral tracking cookies. You may configure your browser to decline cookies, though certain site functionality may be affected as a result.

10. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. The "Last Updated" date at the top of this page reflects the most recent revision. We will provide reasonable notice of material changes. Continued use of our website or services following any update constitutes your acceptance of the revised Policy.

11. Contact

Questions, concerns, or requests related to this Privacy Policy may be directed to:

Atlas Recovery LLC
Email: info@atlas-recovery.com
Website: atlas-recovery.com

1. Agreement and Acceptance

This End User License Agreement ("Agreement" or "EULA") is a binding legal agreement between you, the user ("User," "you," or "your"), and Atlas Recovery LLC ("Atlas Recovery," "we," or "our"), governing your access to and use of the Atlas Recovery website, client portal, and any associated software, tools, reports, or services (collectively, the "Platform").

By accessing or using the Platform in any capacity, you represent that you have read this Agreement, that you understand it, and that you agree to be bound by its terms. If you do not agree to these terms, you are not authorized to access or use the Platform.

2. Grant of License

Subject to your compliance with this Agreement, Atlas Recovery grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for lawful internal business purposes in connection with an authorized collections engagement or service relationship with Atlas Recovery. This license does not extend to any purpose beyond that scope.

3. Authorized Users

Access to the client portal requires a user account issued or authorized by Atlas Recovery. You agree to: (a) provide accurate information when registering for or using an account; (b) maintain the confidentiality of your login credentials; (c) notify Atlas Recovery immediately of any unauthorized use of your account or any suspected security breach; and (d) accept responsibility for all activity that occurs under your account.

Atlas Recovery reserves the right to suspend or terminate any user account at any time with or without cause.

4. Restrictions on Use

You agree that you will not, directly or indirectly:

• Use the Platform for any purpose other than authorized business use in connection with an Atlas Recovery engagement;
• Share, sublicense, transfer, or sell access to the Platform or your user credentials to any third party;
• Copy, reproduce, modify, distribute, or create derivative works based on the Platform, its software, or its content;
• Reverse engineer, decompile, disassemble, or attempt to extract the source code of any component of the Platform;
• Use automated means, including bots, scrapers, or crawlers, to access, extract, or collect information from the Platform;
• Introduce viruses, malware, or any harmful or disruptive code to the Platform;
• Interfere with the security, integrity, or performance of the Platform or any underlying infrastructure;
• Use the Platform in any manner that violates applicable federal, state, or local law or regulation.

5. Confidentiality of Platform Content

All information made available to you through the Platform, including collections data, merchant account details, financial information, reporting, and internal documentation, is confidential and proprietary to Atlas Recovery or its clients. You agree not to disclose, copy, or use such information for any purpose other than your authorized engagement with Atlas Recovery. This obligation survives the termination or expiration of this Agreement.

6. Intellectual Property

The Platform and all of its components, including software, design, trademarks, service marks, logos, content, and proprietary methodologies, are the exclusive intellectual property of Atlas Recovery LLC or its licensors. Nothing in this Agreement transfers any intellectual property rights to you. The "Atlas Recovery" name and logo are proprietary marks of Atlas Recovery LLC. You may not use them for any purpose without our prior written consent.

7. Third-Party Integrations

The Platform integrates with third-party services, including Melio for payment processing and Retool for portal infrastructure. Your use of those integrated services is governed by the terms of service and privacy policies of the respective third-party providers. Atlas Recovery does not control and is not responsible for the availability, accuracy, or practices of third-party services. Your use of third-party features constitutes acceptance of those providers' terms.

8. Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ATLAS RECOVERY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. ATLAS RECOVERY DOES NOT WARRANT THAT THE PLATFORM WILL OPERATE WITHOUT INTERRUPTION, THAT IT WILL BE FREE OF ERRORS OR SECURITY VULNERABILITIES, OR THAT ANY DEFECTS WILL BE CORRECTED.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ATLAS RECOVERY, ITS OFFICERS, MEMBERS, EMPLOYEES, OR SERVICE PROVIDERS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, EVEN IF ATLAS RECOVERY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN ALL CASES, ATLAS RECOVERY'S AGGREGATE LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO ATLAS RECOVERY DURING THE THREE (3) CALENDAR MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless Atlas Recovery LLC and its officers, members, employees, agents, and successors from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform; (b) your violation of this Agreement; (c) your violation of any applicable law or third-party right; or (d) any content you submit through the Platform.

11. Termination

This Agreement is effective from the date you first access or use the Platform and remains in effect until terminated. Atlas Recovery may terminate or suspend your access to the Platform at any time, with or without notice, for any reason, including breach of this Agreement. You may terminate your use by discontinuing access to the Platform. Upon termination, all licenses granted under this Agreement cease immediately. Sections 5, 6, 8, 9, 10, and 12 survive termination.

12. Governing Law and Dispute Resolution

This Agreement is governed by and construed in accordance with the laws of the State of Kansas, without regard to its conflict of law provisions. Any dispute arising out of or relating to this Agreement or your use of the Platform shall be resolved exclusively in the state or federal courts of competent jurisdiction located in Johnson County, Kansas. You irrevocably consent to personal jurisdiction and venue in such courts and waive any objection to the laying of venue there.

13. Modifications to This Agreement

Atlas Recovery reserves the right to modify this Agreement at any time. Updated terms will be posted to our website with a revised effective date. Your continued use of the Platform following the posting of changes constitutes your acceptance of the modified Agreement. If you do not agree to the modifications, you must discontinue your use of the Platform.

14. Entire Agreement

This Agreement, together with the Atlas Recovery Privacy Policy and any applicable engagement letter or service agreement, constitutes the entire agreement between you and Atlas Recovery with respect to your use of the Platform and supersedes all prior or contemporaneous understandings, communications, or agreements, whether written or oral, relating to the same subject matter.

15. Contact

Questions regarding this Agreement may be directed to:

Atlas Recovery LLC
Email: info@atlas-recovery.com
Website: atlas-recovery.com