Legal

Privacy Policy

Effective Date: June 1, 2026 | Last Updated: August 11, 2026

1. Introduction

Atlas Recovery LLC ("Atlas Recovery," "we," "us," or "our") respects your privacy and is committed to protecting the personal and business information of every individual and organization that engages with our website, client portal, or collections services. This Privacy Policy explains what information we collect, how we use and protect it, and your rights with respect to that information.

By accessing our website at atlas-recovery.com or using any of our services, you acknowledge that you have read, understood, and agree to the practices described in this Policy.

2. Information We Collect

We collect information in the following categories:

Identity and Contact Information: Name, title, company name, email address, phone number, and mailing address provided when submitting an inquiry, creating an account, or engaging our services.
Collections and Financial Data: Advance details, outstanding balances, merchant information, payment history, UCC filing data, and related documentation provided in connection with a collections engagement.
Communications Data: Records of correspondence, notes from calls or meetings, and documentation generated in the course of a collections engagement.
Technical and Usage Data: IP addresses, browser type, device identifiers, referring URLs, and page interaction data collected automatically when you visit our website.
Mobile and Messaging Data: Mobile telephone numbers, records of consent to receive text messages, the content and timestamps of text messages sent and received, delivery status, and opt-out requests. See Section 9.
Payment Data: Bank account and routing numbers, ACH authorization records, and payment transaction details including amounts, dates, and status, collected in connection with payment arrangements. ACH transactions are submitted for processing to our banking partner, Optimum Bank, and are subject to its privacy practices and to the NACHA Operating Rules. Access to authorization data is restricted to personnel who require it to service an account.

3. How We Use Your Information

We use the information we collect for the following purposes:

To respond to your inquiries and evaluate proposed collections engagements;
To manage active collections files, track recovery activity, and provide status reporting to authorized clients;
To process ACH payments through Optimum Bank and maintain financial records associated with each engagement;
To communicate with you regarding your account, active files, or matters related to our services;
To comply with applicable laws, regulations, court orders, and legal process;
To protect the rights, interests, and property of Atlas Recovery and our clients;
To improve our website, portal, and internal operating systems.

4. Disclosure of Information

We do not sell, rent, or trade personal information.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All of the categories below exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Subject to that exclusion, we may share information with the following parties:

Authorized Clients: Funders, ISO partners, and other authorized representatives involved in an active collections engagement receive information relevant to that engagement;
Legal Counsel: Attorneys engaged in connection with enforcement, litigation, or regulatory matters;
Service Providers: Technology and infrastructure providers, including Optimum Bank (ACH payment processing), Retool (client portal), and cloud hosting services, each operating under confidentiality and data security obligations;
Legal and Regulatory Authorities: Where disclosure is required by applicable law, court order, or valid regulatory demand.

5. Data Retention

We retain personal and business information for as long as necessary to fulfill the purposes described in this Policy, including to satisfy legal, accounting, regulatory, or reporting requirements. Collections file data is retained for a minimum of seven (7) years following file closure. Website inquiry and communication data is retained for a minimum of three (3) years. You may request deletion of personal information subject to the limitations described in Section 10 below.

6. Security

We implement industry-standard administrative, technical, and physical safeguards to protect the information we hold against unauthorized access, use, modification, or disclosure. These measures include encrypted data transmission, access controls limited to authorized personnel, and secure cloud infrastructure. Bank account and ACH authorization data is encrypted in transit and at rest, and access is limited to personnel with a business need. No method of electronic storage or transmission is entirely secure; we cannot guarantee absolute security but are committed to maintaining commercially reasonable protections.

7. Third-Party Services

Our services involve integrations with third-party platforms, including Optimum Bank for ACH payment processing and Retool for client portal infrastructure. These platforms operate under their own terms of service and privacy policies. We encourage you to review those policies independently. Atlas Recovery is not responsible for the privacy practices of third-party services.

8. Internal Payment Monitoring Application

The provisions of this Section 8 are effective as of June 15, 2026.

Atlas Recovery operates an internal software application (the "App") used solely to support internal business operations, including payment monitoring, reconciliation, and case workflow management. The App is not a public-facing product and is accessible only to authorized Atlas Recovery personnel.

The App may process the following categories of business and operational data:

Merchant and Business Data: Merchant or business names and related operational details;
Payment Transaction Data: Amounts, dates, references, and reconciliation status;
Case and Workflow Data: Internal case identifiers and workflow notes;
User Account Data: Account information for authorized internal users of the App.

Information processed through the App is used solely to operate and improve internal business workflows, including monitoring expected payments and identifying discrepancies. We do not sell personal information processed through the App. Information may be shared with service providers used to operate the App, including hosting, database, and accounting integration providers, strictly for business operations and under confidentiality and data security obligations.

Access to the App is restricted to authorized personnel, and we apply administrative and technical safeguards appropriate to an internal business system. Information processed through the App is retained as needed for business operations, auditing, and compliance purposes, consistent with the retention periods described in Section 5.

9. Mobile Messaging and SMS Privacy

Atlas Recovery may communicate by text message (SMS) with merchants, guarantors, and authorized business contacts regarding accounts placed with us for servicing or recovery. This section describes how we handle information connected to those messages, and applies in addition to the rest of this Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of information sharing described in Section 4 of this Policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

In connection with SMS communications we collect and maintain your mobile telephone number, records of your consent to receive messages (including the date, method, and source of that consent), your confirmation response, the content and timestamps of messages sent and received, delivery status, and any opt-out request you submit.

How consent is obtained and confirmed. Where we hold authorization to contact you at a mobile number, we send a single confirmation message identifying Atlas Recovery and asking you to reply YES to begin receiving account messages. We send no further text messages unless you reply YES. That confirmation message contains no information about any account, balance, or debt. Your reply is recorded and retained as part of our consent records.

We use this information solely to communicate with you about an account, to document consent and opt-out requests as required by law, and to maintain records of our communications. We do not use mobile numbers or message content for marketing, and we do not sell, rent, or trade this information.

Mobile numbers and message content are disclosed only to the telecommunications and messaging providers necessary to transmit and receive the messages, each acting on our behalf under confidentiality obligations, and to regulators, courts, or counsel where disclosure is required by law or legal process.

You may opt out of text messages at any time by replying STOP to any message from us. Opting out of text messages does not withdraw consent for telephone calls, email, or written correspondence, and does not affect the status of an account. Full messaging terms, including message frequency and help instructions, appear in our Messaging Terms.

Consent records and message logs are retained for the periods described in Section 5, and as necessary to demonstrate compliance with applicable communications and consumer protection laws.

10. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, restrict processing of, or request deletion of personal information we hold about you. To submit a request, please contact us at info@atlas-recovery.com. We will respond within thirty (30) days. Certain information may be retained where required by law, legal process, or legitimate business necessity notwithstanding a deletion request.

11. Cookies and Tracking

Our website may use cookies and similar tracking technologies to support basic functionality and understand how visitors interact with our site. We do not use advertising or behavioral tracking cookies. You may configure your browser to decline cookies, though certain site functionality may be affected as a result.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. The "Last Updated" date at the top of this page reflects the most recent revision. We will provide reasonable notice of material changes. Continued use of our website or services following any update constitutes your acceptance of the revised Policy.

13. Contact

Questions, concerns, or requests related to this Privacy Policy may be directed to:

Atlas Recovery LLC
10000 Marshall Dr, Lenexa, KS 66215
Email: info@atlas-recovery.com
Phone: (913) 717-6281
Website: atlas-recovery.com

End User License Agreement

Effective Date: June 1, 2026 | Last Updated: August 11, 2026

1. Agreement and Acceptance

This End User License Agreement ("Agreement" or "EULA") is a binding legal agreement between you, the user ("User," "you," or "your"), and Atlas Recovery LLC ("Atlas Recovery," "we," or "our"), governing your access to and use of the Atlas Recovery website, client portal, and any associated software, tools, reports, or services (collectively, the "Platform").

By accessing or using the Platform in any capacity, you represent that you have read this Agreement, that you understand it, and that you agree to be bound by its terms. If you do not agree to these terms, you are not authorized to access or use the Platform.

2. Grant of License

Subject to your compliance with this Agreement, Atlas Recovery grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for lawful internal business purposes in connection with an authorized collections engagement or service relationship with Atlas Recovery. This license does not extend to any purpose beyond that scope.

3. Authorized Users

Access to the client portal requires a user account issued or authorized by Atlas Recovery. You agree to: (a) provide accurate information when registering for or using an account; (b) maintain the confidentiality of your login credentials; (c) notify Atlas Recovery immediately of any unauthorized use of your account or any suspected security breach; and (d) accept responsibility for all activity that occurs under your account.

Atlas Recovery reserves the right to suspend or terminate any user account at any time with or without cause.

4. Restrictions on Use

You agree that you will not, directly or indirectly:

Use the Platform for any purpose other than authorized business use in connection with an Atlas Recovery engagement;
Share, sublicense, transfer, or sell access to the Platform or your user credentials to any third party;
Copy, reproduce, modify, distribute, or create derivative works based on the Platform, its software, or its content;
Reverse engineer, decompile, disassemble, or attempt to extract the source code of any component of the Platform;
Use automated means, including bots, scrapers, or crawlers, to access, extract, or collect information from the Platform;
Introduce viruses, malware, or any harmful or disruptive code to the Platform;
Interfere with the security, integrity, or performance of the Platform or any underlying infrastructure;
Use the Platform in any manner that violates applicable federal, state, or local law or regulation.

5. Confidentiality of Platform Content

All information made available to you through the Platform, including collections data, merchant account details, financial information, reporting, and internal documentation, is confidential and proprietary to Atlas Recovery or its clients. You agree not to disclose, copy, or use such information for any purpose other than your authorized engagement with Atlas Recovery. This obligation survives the termination or expiration of this Agreement.

6. Intellectual Property

The Platform and all of its components, including software, design, trademarks, service marks, logos, content, and proprietary methodologies, are the exclusive intellectual property of Atlas Recovery LLC or its licensors. Nothing in this Agreement transfers any intellectual property rights to you. The "Atlas Recovery" name and logo are proprietary marks of Atlas Recovery LLC. You may not use them for any purpose without our prior written consent.

7. Third-Party Integrations

The Platform integrates with third-party services, including Optimum Bank for ACH payment processing and Retool for portal infrastructure. Your use of those integrated services is governed by the terms of service and privacy policies of the respective third-party providers. Atlas Recovery does not control and is not responsible for the availability, accuracy, or practices of third-party services. Your use of third-party features constitutes acceptance of those providers' terms.

8. Internal Application Use and Monitoring

The provisions of this Section 8 are effective as of June 15, 2026.

Atlas Recovery operates an internal software application (the "App") that supports internal operational workflows, including payment monitoring, reconciliation, and exception handling. The App is intended solely for use by authorized Atlas Recovery personnel and contractors acting on behalf of Atlas Recovery, and only for Atlas Recovery business purposes as permitted by our policies and instructions. Access to the App is granted under the same limited, non-exclusive, non-transferable, and revocable license described in Section 2, and is subject to the restrictions in Section 4.

In addition to those restrictions, you agree that you will not bypass, disable, or interfere with the App's security features, access controls, audit logs, or usage limits, and will not use the App to store, transmit, or process data in violation of Atlas Recovery policies or applicable law. You are responsible for maintaining the confidentiality of your credentials, must not share your account except as expressly authorized, and must promptly report any suspected unauthorized access, credential compromise, or security incident to Atlas Recovery.

To the extent permitted by law, Atlas Recovery may monitor, log, and review access to and use of the App, including content and metadata, for security, compliance, operational, and support purposes. You should have no expectation of privacy when using the App for Atlas Recovery business.

Atlas Recovery may modify, update, suspend, or discontinue the App, in whole or in part, at any time with or without notice. Functionality may change, and access may be restricted or removed at our discretion.

9. Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ATLAS RECOVERY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. ATLAS RECOVERY DOES NOT WARRANT THAT THE PLATFORM WILL OPERATE WITHOUT INTERRUPTION, THAT IT WILL BE FREE OF ERRORS OR SECURITY VULNERABILITIES, OR THAT ANY DEFECTS WILL BE CORRECTED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ATLAS RECOVERY, ITS OFFICERS, MEMBERS, EMPLOYEES, OR SERVICE PROVIDERS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, EVEN IF ATLAS RECOVERY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN ALL CASES, ATLAS RECOVERY'S AGGREGATE LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO ATLAS RECOVERY DURING THE THREE (3) CALENDAR MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless Atlas Recovery LLC and its officers, members, employees, agents, and successors from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform; (b) your violation of this Agreement; (c) your violation of any applicable law or third-party right; or (d) any content you submit through the Platform.

12. Termination

This Agreement is effective from the date you first access or use the Platform and remains in effect until terminated. Atlas Recovery may terminate or suspend your access to the Platform at any time, with or without notice, for any reason, including breach of this Agreement. You may terminate your use by discontinuing access to the Platform. Upon termination, all licenses granted under this Agreement cease immediately. Sections 5, 6, 8, 9, 10, 11, and 13 survive termination.

13. Governing Law and Dispute Resolution

This Agreement is governed by and construed in accordance with the laws of the State of Kansas, without regard to its conflict of law provisions. Any dispute arising out of or relating to this Agreement or your use of the Platform shall be resolved exclusively in the state or federal courts of competent jurisdiction located in Johnson County, Kansas. You irrevocably consent to personal jurisdiction and venue in such courts and waive any objection to the laying of venue there.

14. Modifications to This Agreement

Atlas Recovery reserves the right to modify this Agreement at any time. Updated terms will be posted to our website with a revised effective date. Your continued use of the Platform following the posting of changes constitutes your acceptance of the modified Agreement. If you do not agree to the modifications, you must discontinue your use of the Platform.

15. Entire Agreement

This Agreement, together with the Atlas Recovery Privacy Policy, the Atlas Recovery Messaging Terms, and any applicable engagement letter or service agreement, constitutes the entire agreement between you and Atlas Recovery with respect to your use of the Platform and supersedes all prior or contemporaneous understandings, communications, or agreements, whether written or oral, relating to the same subject matter.

16. Contact

Questions regarding this Agreement may be directed to:

Atlas Recovery LLC
10000 Marshall Dr, Lenexa, KS 66215
Email: info@atlas-recovery.com
Phone: (913) 717-6281
Website: atlas-recovery.com

Messaging Terms

Effective Date: August 11, 2026 | Last Updated: August 11, 2026

1. Program Description

Atlas Recovery LLC ("Atlas Recovery," "we," "us," or "our") operates a text messaging program used to communicate with merchants, guarantors, and authorized business contacts about accounts placed with Atlas Recovery for servicing or recovery. Messages may include account status updates, payment arrangement confirmations, scheduled payment reminders, document and information requests, responses to your inquiries, and other communications relating to an account.

Atlas Recovery does not send marketing, promotional, or advertising text messages. We do not offer debt settlement, debt consolidation, debt relief, or credit repair services, and we do not send messages promoting any such service.

2. Consent to Receive Messages

You may consent to receive text messages from Atlas Recovery by providing your mobile telephone number to us in a written agreement or authorization, or by sending a text message to a number we have provided. We maintain records of the date, method, and source of consent.

Confirmation. Before we send you any account-related text messages, we send one confirmation message asking you to reply YES. If you do not reply YES, you will receive no further text messages from us. The confirmation message identifies Atlas Recovery and includes message frequency, rate, and opt-out information, and does not reference any account or balance.

Consent to receive text messages is not a condition of entering into any payment arrangement, resolution, or other agreement with Atlas Recovery. You may decline text messages and continue to communicate with us by telephone, email, or mail.

3. Message Frequency

Message frequency varies and depends on activity relating to your account. You may receive messages only occasionally, or more frequently during an active payment arrangement or while a matter is being resolved.

4. Message and Data Rates

Message and data rates may apply. Any charges are billed by, and payable to, your mobile service provider. Atlas Recovery is not responsible for charges imposed by your carrier.

5. Opting Out

You may opt out of text messages at any time by replying STOP to any message you receive from us. Every message we send includes opt-out instructions. After you send STOP, we will send one final message confirming that you have been unsubscribed, and you will receive no further text messages from us. Opt-out requests are applied across all Atlas Recovery telephone numbers and messaging programs, not only the number that received your request.

To opt back in, reply START to the same number or contact us using the information below.

Opting out of text messages withdraws your consent to receive SMS only. It does not withdraw consent for telephone calls, email, or written correspondence, does not affect the balance or status of any account, and does not limit any right you may have to request that we cease communications by other means under applicable law.

6. Help and Support

For assistance, reply HELP to any message from us, email info@atlas-recovery.com, or call (913) 717-6281 during business hours.

7. Carriers and Delivery

Message delivery is subject to the transmission limitations and service availability of your mobile carrier. Carriers are not liable for delayed or undelivered messages. Atlas Recovery does not guarantee that any message will be delivered, and we are not responsible for any consequence of a message that is delayed, blocked, filtered, or not received.

8. Eligibility

This messaging program is intended for business communications with merchants, guarantors, and authorized business contacts. It is not directed to children, and we do not knowingly send messages to individuals under the age of eighteen.

9. Privacy

Information collected in connection with this messaging program is handled as described in Section 9 of our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes, and text messaging originator opt-in data and consent will not be shared with any third parties.

10. Changes to These Terms

We may update these Messaging Terms from time to time. The "Last Updated" date above reflects the most recent revision. Your continued participation in the messaging program following any update constitutes acceptance of the revised terms.

11. Contact

Questions about this messaging program may be directed to:

Atlas Recovery LLC
10000 Marshall Dr, Lenexa, KS 66215
Email: info@atlas-recovery.com
Phone: (913) 717-6281
Website: atlas-recovery.com

Thank you for reaching out.

We recover MCA defaults. The cost of the wrong partneris the money you never see again.

Built for MCA.Not adapted to it.

Four ways we recover.

How Atlas works a file.

What fundersactually get.

Ready to place a file?

Privacy Policy

1. Introduction

2. Information We Collect

3. How We Use Your Information

4. Disclosure of Information

5. Data Retention

6. Security

7. Third-Party Services

8. Internal Payment Monitoring Application

9. Mobile Messaging and SMS Privacy

10. Your Rights

11. Cookies and Tracking

12. Changes to This Policy

13. Contact

End User License Agreement

1. Agreement and Acceptance

2. Grant of License

3. Authorized Users

4. Restrictions on Use

5. Confidentiality of Platform Content

6. Intellectual Property

7. Third-Party Integrations

8. Internal Application Use and Monitoring

9. Disclaimer of Warranties

10. Limitation of Liability

11. Indemnification

12. Termination

13. Governing Law and Dispute Resolution

14. Modifications to This Agreement

15. Entire Agreement

16. Contact

Messaging Terms

1. Program Description

2. Consent to Receive Messages

3. Message Frequency

4. Message and Data Rates

5. Opting Out

6. Help and Support

7. Carriers and Delivery

8. Eligibility

9. Privacy

10. Changes to These Terms

11. Contact

We recover MCA defaults. The cost of the wrong partner
is the money you never see again.

Built for MCA.
Not adapted to it.

What funders
actually get.