Effective date: May 28, 2026
Last updated: May 28, 2026
These Terms of Service ("Terms") govern your access to and use of refundowed.com (the "Site") and the services offered by Refund Owed, a brand operated by FTT LLC ("Refund Owed," "we," "us," or "our"). By accessing the Site or submitting information to us, you agree to these Terms. If you do not agree, do not use the Site or Service.
Refund Owed operates an independent online platform that helps business owners identify potential refund and tax-recovery opportunities and connects them with independent, third-party professionals and recovery specialists ("Specialists").
Refund Owed is not a law firm, accounting firm, customs brokerage, tax preparer, or financial advisory firm. We do not provide legal, tax, accounting, financial, or customs advice; we do not represent you; and no attorney-client, accountant-client, or other professional-client relationship is formed by your use of the Site or Service. Any professional relationship you enter into is solely between you and the Specialist you choose to engage.
You must be at least 18 years old and authorized to act on behalf of the business for which you submit information. By using the Service, you represent and warrant that you meet these requirements.
When you submit information through the Site, we evaluate which refund or recovery categories may apply to your business and share your information with one or more Specialists in our network who may be able to assist you. Those Specialists may then contact you directly. We do not guarantee that any Specialist will contact you, accept you as a client, or achieve any particular result.
Information on the Site is general in nature and does not constitute a determination that your business qualifies for any refund, credit, or recovery. Eligibility for any refund or credit depends on your specific facts and applicable law, and can only be determined by a qualified professional and the relevant government authority. We do not guarantee that you are owed any money, that you will qualify for any program, or that you will recover any specific amount or any amount at all. Any figures, ranges, statistics, or timeframes referenced on the Site are illustrative and based on general or publicly reported information; they are not promises or estimates specific to your business.
You agree to provide accurate, current, and complete information, and to update it as needed. You are responsible for evaluating any Specialist before engaging them and for the terms of any agreement you enter into with a Specialist. You agree to use the Site only for lawful purposes and not to misuse, disrupt, or attempt to gain unauthorized access to the Site or its systems.
Specialists are independent businesses and are not employees, agents, partners, or joint venturers of Refund Owed. We do not control, supervise, or guarantee the services, advice, conduct, fees, timeliness, or results of any Specialist. Any engagement you enter into with a Specialist is solely between you and that Specialist, and Refund Owed is not a party to and bears no responsibility or liability for that relationship or its outcome. While we aim to work with reputable professionals, we make no warranty regarding any Specialist's qualifications, licensure, or performance, and you are responsible for conducting your own due diligence.
Specialists in our network may pay Refund Owed a flat marketing or referral fee for qualified introductions. We do not take a percentage of any recovery, and our fees are not contingent on the outcome of your matter. Our compensation does not increase the amount you pay a Specialist. You are free to work with any professional you choose, whether or not they are in our network.
The Site and its content — including text, graphics, logos, and the "Refund Owed" name and marks — are owned by or licensed to FTT LLC and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.
THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY INFORMATION ON THE SITE IS ACCURATE, COMPLETE, OR CURRENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL REFUND OWED, FTT LLC, OR THEIR OWNERS, MEMBERS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICE, YOUR INTERACTION WITH ANY SPECIALIST, OR THESE TERMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITE OR SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).
You agree to indemnify, defend, and hold harmless Refund Owed, FTT LLC, and their owners, members, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site or Service, your violation of these Terms, or your interaction or engagement with any Specialist.
Please read this section carefully, as it affects your legal rights. Any dispute, claim, or controversy arising out of or relating to these Terms or the Site or Service shall be resolved by binding, individual arbitration administered in the State of Wyoming, rather than in court, except that either party may bring an individual claim in small claims court. You and Refund Owed waive any right to a jury trial and to participate in a class action or class-wide arbitration. If this class-action waiver is found unenforceable, the entirety of this arbitration provision shall be null and void.
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles. Subject to the arbitration provision above, you agree to the exclusive jurisdiction and venue of the state and federal courts located in Wyoming.
We may modify these Terms at any time. When we do, we will update the "Last updated" date above. Your continued use of the Site after changes become effective constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Questions about these Terms? Contact us at:
Refund Owed (a brand of FTT LLC)
Email: hello@refundowed.com
Mailing address: 30 N Gould St, Ste N, Sheridan, WY 82801