Terms of Use

1. Acceptance of these terms

These Terms of Use govern your access to and use of this website and the ADAM software. By using either, you agree to them. If you do not agree, please do not use the site or purchase the product.

2. What ADAM is

ADAM is a do-it-yourself research tool. It provides a structured workspace and written guidance to help you search for and organise potential unclaimed-funds records that may relate to you, and to keep track of what you have already checked. That is the entire scope of what is sold.

3. What ADAM is not

• It is not a government website, agency or programme, and is not affiliated with, endorsed by, sponsored by or acting on behalf of any federal, state or local body.
• It is not a bank, broker, lender, money transmitter or licensed financial business.
• It is not a law firm and provides no legal representation or advice.
• It is not a claims filer, agent or representative. It does not submit claims, contact record holders or act for you in any capacity.
• It is not an investment and does not provide financial, accounting or tax advice.

The public records ADAM guides you through can be searched directly, free of charge, by anyone. What you are paying for is the organised process and the guidance, not access to those records.

4. No guaranteed result

ADAM does not guarantee that you will find unclaimed funds, that any record found will belong to you, that a claim will be approved, or that you will receive any payment. Many searches return nothing. See the Income Disclaimer, which forms part of these terms.

5. Eligibility

You must be at least 18 years old and able to enter a binding contract in order to purchase or use ADAM. The product is intended for personal use by the account holder.

6. Your responsibilities

• Provide accurate information, and search only for names and records in which you have a legitimate interest.
• Keep your login credentials confidential. Access is granted to a single user.
• Independently verify anything you find before acting on it.
• Comply with the rules and processes of any record holder whose records you search or whose claim process you enter.
• Do not scrape, resell, redistribute, share, sublicense or reverse-engineer the software or its content.

You are responsible for reporting and paying any tax arising from amounts you may receive. We do not withhold tax and do not advise on it.

7. Price, payment and the Merchant of Record

ADAM is sold for a one-time payment of US $97. There is no subscription, no rebill and no further charge. The checkout page displays the final amount and any applicable tax before you confirm.

The product is sold through Explodely, the authorised retailer and Merchant of Record. Explodely processes the payment, issues your receipt, appears on your billing statement and handles refunds under its own terms in addition to our Refund Policy. Card details are entered on their systems and are never received or stored by us.

8. Refunds

Purchases are covered by a 60-day money-back guarantee, set out in full in the Refund Policy, which forms part of these terms.

9. Availability

We aim to keep ADAM available continuously but do not guarantee uninterrupted access. Third-party registers and services may change, go offline or restrict access, and that is outside our control. We may modify or discontinue features, and will not do so in a way that deprives you of the core function you paid for without offering a refund.

10. Intellectual property

The ADAM software, written guidance, site text, design and branding are our property or that of our licensors, and are protected by intellectual property law. Your purchase grants you a personal, non-exclusive, non-transferable right to use them. It does not transfer ownership or permit redistribution.

11. Disclaimer of warranties

To the fullest extent permitted by law, ADAM is provided “as is” and “as available”, without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the software will be error-free, that records shown are complete or current, or that any particular outcome will follow from using it.

12. Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits or lost opportunity, arising from your use of the site or the software. Our total aggregate liability is limited to the amount you paid us. Nothing in these terms limits liability that cannot be limited by law, including liability for fraud or under applicable consumer protection legislation, and nothing here affects your statutory rights as a consumer.

13. Indemnity

You agree to indemnify us against claims arising from your misuse of the software, your breach of these terms, or your infringement of the rights of a third party.

14. Changes to these terms

We may update these terms. The date at the top of this page shows when they last changed. Continued use of the site after a change means you accept the revised terms. Material changes affecting existing customers will be notified by email where we hold an address for you.

15. Contact

Questions about these terms: [email protected], or via the contact page.