Card on file is requested only when you approve your first claim — never at signup. We never take custody of recovered funds.
Example: if a $149 subscription refund lands, the fee is $37.25 (25%), charged no earlier than 7 business days later. Illustrative, not a typical result.
After you confirm you received the recovered money (or after an auto-detected recovery you were notified about and did not dispute), we wait 7 business days, send a pre-charge notice, then charge the success fee. Failed payments retry three times over 10 days; we never lock you out of your own data.
States return this money for free. Charging a finder fee generally requires per-state licensing. We never file these claims and never charge for the search. We link you to the official state portal.
We prepare a filing kit. You submit the official form yourself. The $9 is charged only after a payout is confirmed received — not when you file, and never if you recover nothing.