Terms and Conditions

Updated January 29, 2018

By visiting financialrecovery.com, you agree to these Terms and Conditions (our “Ts&Cs”). This agreement is subject to change at any time. The “updated” date at the top of these Ts&Cs reflects the latest revision date. You are bound by these Ts&Cs and any future revisions, and it is incumbent upon you to check these Ts&Cs for any changes. Should you ever disagree with these Ts&Cs, then you are no longer authorized to use our site.


No warranty is made by the Financial Recovery Institute regarding any information (“Content”), services or products provided through or in connection with this site or our services. The Financial Recovery Institute hereby expressly disclaims any and all warranties, including without limitation: any warranties as to the availability, accuracy or content of information, products or services; any warranties of merchantability or fitness for a particular purpose, to the extent permissible by applicable law. The Financial Recovery Institute makes no representation or warranty that the Content, regardless of its source, is accurate, complete, reliable, current or error-free, and we disclaim all liability for any inaccuracy, error or incompleteness in the Content.

No Endorsement

The information set forth on this site regarding counselors, or other services or service providers, or commercial products does not constitute an endorsement or recommendation by the Financial Recovery Institute. It is your responsibility to verify and investigate counselors or other service providers, and ensure through your own independent evaluation and assessment that a particular resource is right for you, and to engage in an independent evaluation of the worth or quality of a particular resource. Please consult your own professional advisor for all advice concerning medical, legal or financial matters in connection with the services needed. The Financial Recovery Institute assumes no liability of any kind for the content of any information transmitted to or received by any person in connection with the person’s use of the website.

Linked Sites

This website provides links to other third-party websites (in all cases “Linked Sites”). These Linked Sites are provided solely as a convenience to you and may be based upon the content that you elect to view or the information that you provide. I am merely sharing information for your own self-help only. Such Linked Sites are not under our control, and we are not responsible for and do not endorse, monitor, review, investigate, verify, or validate the content of such Linked Sites, including any products, information or materials contained on such Linked Sites. We are not responsible for the accuracy or reliability of any information on the Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites. It is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of the content of these Linked Sites. Some of the content served by us may be from merchant sites, and sales or activities through these sites may generate a commission payable to us. We accept no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of third party web sites, including, without limitation, Linked Sites and websites linking to the this website or its content. You should review applicable terms and policies, including privacy and data gathering practices, of third party web sites, and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.

Privacy Policy

This section tells you how we use personal information collected at this site. By using the site, you are accepting the practices described in this privacy policy. These practices may be changed, but any changes will be posted and changes will only apply to activities and information on a going forward, not retroactive basis. You are encouraged to review the privacy policy whenever you visit the site to make sure that you understand how any personal information you provide will be used.
Note: the privacy practices set forth in this privacy policy are for this web site only. If you link to other websites, please review the privacy policies posted at those sites.

Collection of Information

We collect personally identifiable information, like names, postal addresses, email addresses, etc., when voluntarily submitted by our visitors. The information you provide is used to fulfill your specific request. This information is only used to fulfill your specific request, and to communicate with you about your relationship with the Financial Recovery Institute. Your name will NOT be sold to an external mailing list. Nor will any financial information you submit ever be collected, reviewed, sold or analyzed by the the Financial Recovery Institute or any third party.

Cookie/Tracking Technology

The Site may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site. Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Distribution of Information

We may share information with governmental agencies or other companies only when assisting us in fraud prevention or investigation. We may do so when: (1) required by law; or, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or, (3) investigating fraud which has already taken place. The information is NOT provided to these companies for marketing purposes.
If you have any questions, concerns, or comments about our privacy policy you may contact us using the information below:
By email: karen@financialrecovery.com

Commitment to Data Security

Your personally identifiable information is kept secure. Only highly authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information.
Security of payment information entered into the Financial Recovery Institute utilizes Authorize.net’s 128 bit Secure Sockets Layer (SSL) protocol for encryption, and is compliant with many government and industry security initiatives including Payment Card Industry Data Security Standard (PCI DSS). Additionally, all other non-Authorize.net information is housed in a Tier II Data Center and hosting facility to provide the most secure and stable user experience for all Financial Recovery Institute users.

Conditions of Use

The use of this website is subject to the following terms of use:

  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  •  This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • All trademarks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
  • Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.
  • Your use of this website and any dispute arising out of such use of the website is subject to the laws of California and the US Government.

Customer contact information:

  • By email: karen@financialrecovery.com
  • Call Us: 415-761-0007