Version 2 · Effective July 6, 2026
1. The service, and what it is not
WorthBack (operated by Capped Out Labs LLC, "we", "us") is organizational software: a guided checklist and tracker for searching official government databases of unclaimed money, plus an optional monitoring feature that runs those public searches for you automatically. We are not an asset-recovery service, finder, heir-locator, law firm, accountant, or financial advisor, and nothing in the service is legal, tax, or financial advice. We never file claims on your behalf, never take custody of your money, and never charge a percentage of anything you recover. All claims happen directly between you and the agency that holds the funds.
Automated monitoring (Premium). When you enable monitoring, you direct us, as your agent, to periodically search publicly available government databases and official public data files using only the search-profile details you give us (names, states). We search only public records; we never use your Social Security number, log in as you, or access anything behind a private credential. Sources that require an SSN or similar private key to search (for example TreasuryHunt and the IRS) are never automated and remain manual checklist items. You can turn monitoring off at any time from your dashboard.
2. Your account and authority
By creating an account you represent that you are at least 18, able to form a binding contract, and that all information you provide is accurate. Search profiles you create for other people are your responsibility: only search for people with their knowledge and consent, or for deceased relatives whose estates you legitimately represent. Keep your credentials confidential and notify us at support@worthback.app of any unauthorized use.
3. No guarantee of money
Many searches come up empty. Database contents, claim requirements, and agency timelines belong to the agencies, not us, and our links or instructions can go stale when agencies redesign their sites. We make no promise that you will find or recover any money.The agency's own page always controls.
Any "potential match" surfaced by automated monitoring is an algorithmic guess based on name and location, not a confirmation that money is yours. Common names produce look-alikes. You must independently verify every match on the agency's own site before relying on it or filing anything, and a match is never a promise of payment.
4. Subscriptions, billing, and chargebacks
Premium is a monthly subscription billed through Stripe. You can cancel anytime from the billing portal; access continues through the end of the paid period. Prices may change with at least 30 days' notice by email.
Contact us before disputing a charge. Initiating a chargeback or payment dispute without first contacting support@worthback.app and giving us 10 business days to resolve the issue is a material breach of these terms, and we may suspend or terminate the account involved and contest the dispute with our records.
5. Acceptable use
Don't use WorthBackto run a paid recovery business targeting third parties, don't scrape or resell our guides, and don't use the service for anything unlawful - including violating state laws that regulate finder's fees and heir-hunting. We may suspend accounts that do any of this.
6. Third-party sites
The databases we point you to (PBGC, MissingMoney, TreasuryDirect, FDIC, NCUA, HUD, IRS, VA) are run by government agencies or their official designees, each with its own terms and privacy practices. We are not responsible for their content, availability, or decisions on your claims.
7. Warranty disclaimer
To the maximum extent permitted by law, the service is provided "as is" and we expressly disclaim all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will meet your requirements, operate without interruption, or be error-free.
8. Limitation of liability
To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, reliance, or punitive damages, or for lost or imputed profits, lost claims, missed deadlines, or lost data. Our total liability for all claims arising in connection with the service is limited to direct damages in an amount equal to the fees you actually paid us in the six (6) months immediately preceding the claim.
9. Indemnification
You will indemnify, defend, and hold Capped Out Labs LLC and its affiliates, officers, directors, employees, members, managers, and representatives harmless from all third-party claims or causes of action (including investigations) and any resulting damages, costs, expenses, and fines (including reasonable legal costs) arising from your use of the service, searches or claims you pursue, any breach of these terms, or any act, omission, or misrepresentation by you.
10. Dispute resolution: binding arbitration
Any claim you bring against us (other than a counterclaim) will be resolved by mandatory, confidential, final, and binding arbitration, with the sole and exclusive forum in Salt Lake City, Utah. Arbitration is conducted under the Federal Arbitration Act by a single arbitrator with the American Arbitration Association (AAA) under its rules. Send arbitration notices to support@worthback.appwith the subject "ATTN: Arbitration Demand", describing the claim and relief sought. For claims we bring, venue and personal jurisdiction are proper in Salt Lake City, Utah, and we may elect arbitration or court there. Nothing here prevents either party from seeking injunctive or other equitable relief in court to protect confidential information or intellectual property.
Class-action and jury-trial waiver: you and we each waive the right to a trial by jury and the right to participate in any class action, class arbitration, or representative proceeding. All claims proceed in an individual capacity only.
11. Governing law, changes, termination
These terms are governed by, and construed in accordance with, the laws of the State of Utah, without regard to conflict-of-laws rules. You can delete your account anytime from Settings; we can suspend or terminate accounts that violate these terms. Sections 3 and 7 through 10 survive termination. We may modify these terms with at least 14 days' notice by email; continued use after the effective date is acceptance. Questions: support@worthback.app.