Privacy Policy

1. Introduction

Abraham and Associates Asset Recovery Services, LLC, a Florida limited liability company located at 848 Brickell Avenue, PH 5, Miami, Florida 33131 (“Abraham and Associates,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, store, share, and safeguard your information when you visit our website at https://abrahamasset.com (the “Site”), engage our services, communicate with us by phone, email, text message, or web form, or otherwise interact with our firm.

Abraham and Associates assists rightful owners in recovering surplus funds held by the county or the court following tax deed, mortgage foreclosure, and HOA foreclosure sales and other property-related proceedings. Because our work involves sensitive personal and financial information about real property, court filings, and family matters, we treat the privacy of every individual we serve as a core obligation of our practice.

By accessing the Site or engaging our services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this Policy, please discontinue use of the Site and our services. We encourage you to read this Policy in full.

2. Information We Collect

We collect information in three ways: information you provide directly to us, information collected automatically when you use the Site, and information we receive from third-party sources in the course of researching and verifying claims.

2.1 Information You Provide Directly

We collect personal information you voluntarily provide when you contact us, complete our online consultation intake form (which collects your name, email address, and telephone number), request a consultation, or engage our services. This may include:

• Identifying information: full legal name, date of birth, and government-issued identification details when required to verify a claim;
• Contact information: mailing address, email address, telephone number(s), and preferred method of contact;
• Property information: former property address, parcel identification number, dates of sale, and related transaction details;
• Case information: details about your interest in a property, your relationship to the former owner of record, prior correspondence with county or state agencies, and any documents you provide in support of your claim;
• Communication content: the substance of messages, voicemails, and correspondence you send to us;
• Authorization documents: signed Power of Attorney forms, retainer agreements, and other documents required to represent you.

2.2 Information Collected Automatically

When you visit the Site, our servers and certain third-party services may automatically collect technical information, including:

• Internet Protocol (IP) address and approximate geographic location derived from it;
• Device type, operating system, browser type and version, and screen resolution;
• Pages visited, time spent on each page, links clicked, and the date and time of your visit;
• Referring website or source, including search terms used to reach the Site;
• Information collected through cookies and similar technologies, as described in Section 5.

2.3 Information from Third-Party Sources

In the course of verifying property ownership and researching claims, we may receive information about you or your property from third parties. These sources include records held by the State of Florida, the county, and the court; public real-property databases; professional skip-tracing and people-search services; lead-data and pre-qualification services that may include preliminary research on potential claimants; and individuals who refer your information to us with your consent. Information obtained from these sources is treated with the same privacy protections as information you provide directly.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service delivery: to evaluate whether you may be entitled to surplus funds, to verify information with the appropriate parties on your behalf under a properly executed Power of Attorney, and to disburse recovered funds.
• Identity verification and fraud prevention: to confirm that you are the rightful claimant, prevent unauthorized claims against funds belonging to others, and comply with anti-fraud protections required by the firm’s licensed Florida attorney and applicable law.
• Communication: to respond to your inquiries, schedule consultations, send case updates, and provide service-related notices by your preferred method (telephone, email, or SMS where you have consented).
• Legal and regulatory compliance: to comply with applicable laws, court orders, subpoenas, and the recordkeeping obligations of the firm’s licensed Florida attorney; to respond to regulatory inquiries; and to maintain records required by Florida statutes and federal law.
• Site operation and improvement: to maintain Site security, diagnose technical issues, analyze how visitors use the Site, and improve the user experience.
• Marketing communications, with your consent: where you have provided express consent, to send you periodic updates about our services. You may withdraw consent at any time as described in Sections 10 and 11.

4. SMS / Text Messaging Communications

Abraham and Associates operates a registered Application-to-Person (A2P) SMS messaging program through The Campaign Registry (TCR). The terms of this program are summarized below and incorporated into this Privacy Policy.

4.1 Mobile Phone Number Privacy

Mobile phone numbers and text-messaging consent data collected by Abraham and Associates are not shared with third parties or affiliates for marketing purposes under any circumstances. Phone numbers may be shared only with our messaging service provider and the wireless carriers necessary to deliver the messages you have consented to receive, and only for the purpose of delivering those messages. We do not sell, lease, or rent mobile phone numbers or SMS opt-in data.

4.2 How We Collect Mobile Phone Numbers

We collect mobile phone numbers when you provide them through our website contact form, request a consultation, return a call to our office, sign a retainer or Power of Attorney, or respond to outreach correspondence. Where consent for marketing or recurring service messages is required, we obtain it through a separate, unchecked opt-in checkbox displayed at the point of collection. You may receive transactional messages directly related to a case you have engaged us on without separate marketing consent, in accordance with applicable law.

4.3 Outreach Calls and Voicemails

In addition to SMS, we may contact potential rightful claimants by telephone or ringless voicemail (“RVM”) in accordance with the Telephone Consumer Protection Act (TCPA), the Florida Telephone Solicitation Act (FTSA), and applicable Federal Communications Commission rules. We honor Do-Not-Call requests promptly and maintain internal Do-Not-Call records as required by law. For our outreach, we rely on exemptions such as prior business relationships, public-records-based exemption, prior express written consent, or a combination of the foregoing.

5. Cookies and Tracking Technologies

The Site uses cookies, similar tracking technologies, and cookie-free analytics services to maintain Site functionality, understand visitor engagement, and improve performance. A cookie is a small text file stored on your device by your web browser.

5.1 Cookies and Analytics Services in Use

Performance and analytics cookies. These cookies help us understand how visitors interact with the Site, identify performance issues, and improve the user experience. Our analytics services are configured to enable IP anonymization, disable behavioral signal sharing, mask sensitive form input from any session-level recording, and limit user-data retention. Specifically, the Site uses third-party services to provide:

• Web traffic and conversion analytics (cookies expire after up to two years; data retention limited to fourteen months)
• User-experience analytics, including aggregated and anonymized mouse movement, scroll behavior, and click patterns (cookies expire after twenty-four hours to one year)
• Core Web Vitals performance monitoring (session-only cookie that expires when the browser is closed)

Functional cookies. These cookies remember your preferences across visits.

• Language selection cookie: a first-party cookie that stores your selected language preference (English or Spanish) so returning visits land on your preferred language version of the Site without requiring you to reselect. The cookie is set when you click the language toggle and persists for one year. No personal information is included; the cookie’s value is your selected language only.

The Site also uses analytics services that do not set cookies on your device:

• Aggregated and anonymized page-view counts, referral sources, and approximate country-level geographic location. IP addresses are truncated and not stored.
• Server-side search-engine indexing, ranking, and visit-source reporting.

The Site does not use advertising tracking pixels, behavioral-tracking tools from advertising platforms, conversion tracking from advertising networks, or any third-party advertising or behavioral-tracking technologies. The Site does not engage in cross-context behavioral advertising and does not share any personal information with any third party for that purpose.

5.2 Your Choices

Most web browsers allow you to control cookies through their settings, including refusing all cookies or alerting you when a cookie is set. If you choose to refuse cookies, certain features of the Site (including remembering your language preference) may not function properly. The Site does not currently respond to Do-Not-Track browser signals, as no consistent industry standard has been adopted.

You may opt out of analytics tracking by configuring your browser’s privacy settings to refuse cookies, by using browser extensions that block analytics scripts, or by clearing cookies regularly through your browser’s privacy controls.

6. How We Share Information

Abraham and Associates does not sell your personal information. We share information only in the limited circumstances described below.

6.1 Service Providers

We share information with trusted service providers who perform functions on our behalf, including customer relationship management software, secure document storage, email delivery, SMS messaging platforms, website hosting, and analytics. These providers are contractually obligated to use the information only for the purposes we direct and to maintain appropriate security measures. Categories of providers we currently use include:

• customer relationship management solutions and SMS campaign delivery services;
• website hosting and performance services;
• E-mail and document service providers used in the ordinary course of business.
• Web traffic and user-experience analytics service providers.

6.2 Licensed Florida Attorney and Legal Representation

Abraham and Associates operates through a limited power of attorney structure in conjunction with a licensed Florida attorney who provides legal services in surplus funds claim proceedings. Information necessary for legal representation is shared with the attorney’s office under attorney-client privilege and applicable rules of professional conduct.

6.3 Legal Requirements and Protection of Rights

We may disclose information when required by law, subpoena, court order, or other legal process, or when we believe in good faith that disclosure is necessary to comply with a legal obligation, protect the rights, property, or safety of Abraham and Associates, our clients, or the public, or investigate or prevent fraud or other unlawful activity.

6.4 Business Transfers

If Abraham and Associates is involved in a merger, acquisition, sale of assets, financing, or bankruptcy proceeding, your information may be transferred as part of that transaction. In such an event, we will provide notice on the Site and continue to honor the protections described in this Policy.

6.5 With Your Consent

We may share information for any other purpose with your express consent. Consent may be withdrawn at any time.

7. We Do Not Sell Your Information

Abraham and Associates does not sell, lease, rent, or trade your personal information to any third party for any reason. We have not sold personal information in the preceding twelve (12) months and have no intention of doing so in the future. We also do not engage in “sharing” of personal information for cross-context behavioral advertising as that term is defined under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”).

8. Data Retention

We retain personal information only for as long as is reasonably necessary to fulfill the purposes for which it was collected, to comply with applicable legal and regulatory recordkeeping obligations, to resolve disputes, and to enforce our agreements.

Our standard retention period for client case records is seven (7) years following case closure or our last substantive interaction with you, whichever is later. This period reflects the longer of:

• Florida real estate broker recordkeeping baseline of five (5) years under Florida Statute 475.5015;
• Federal Internal Revenue Service recordkeeping recommendations of seven (7) years for tax-related documentation;
• Florida statute of limitations for written contract claims of five (5) years under Florida Statute 95.11.

Certain records may be retained for a longer period where required by law, by an order of court, by professional rules applicable to the firm’s licensed Florida attorney, or where reasonably necessary to defend against actual or threatened litigation. Web server logs, analytics data, and other operational records are retained on shorter cycles consistent with their purpose.

When personal information is no longer needed for the purposes for which it was collected, we securely delete or anonymize it.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect the personal information we collect from unauthorized access, use, disclosure, alteration, or destruction. Our practices include:

• Encrypted transmission of data submitted through the Site (HTTPS / TLS);
• Access controls limiting personal information to authorized personnel and the licensed Florida attorney associated with active matters;
• Vendor due diligence to confirm service providers maintain appropriate security standards;
• Routine review of internal procedures and security configurations.

No method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information using commercially reasonable safeguards, we cannot guarantee absolute security. You acknowledge that you provide information to us at your own risk.

In the event of a data security breach affecting your personal information, we will provide notice in accordance with the Florida Information Protection Act of 2014 (Florida Statute 501.171) and other applicable laws.

10. Your Privacy Rights

Depending on your state of residence and the nature of our relationship with you, you may have certain rights regarding your personal information. This section describes those rights and how to exercise them.

10.1 Rights Available to All Users

Regardless of your state of residence, you may contact us to:

• Request access to the personal information we hold about you;
• Request correction of inaccurate or incomplete personal information;
• Request deletion of personal information, subject to legal and contractual retention obligations;
• Withdraw consent for marketing communications at any time, by replying STOP to any SMS message, clicking unsubscribe in any marketing email, or contacting us directly.

10.2 California Residents: CCPA / CPRA Rights

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”), provides you with the following rights:

Right to Know

You have the right to request that we disclose to you: (a) the categories of personal information we have collected about you; (b) the categories of sources from which we collected the information; (c) the business or commercial purpose for collecting the information; (d) the categories of third parties with whom we share the information; and (e) the specific pieces of personal information we have collected about you in the preceding twelve (12) months.

Right to Delete

You have the right to request deletion of personal information we have collected from you, subject to certain exceptions, including where retention is necessary to complete a transaction, comply with a legal obligation, or defend legal claims.

Right to Correct

You have the right to request that we correct inaccurate personal information we maintain about you.

Right to Opt-Out of Sale or Sharing

Abraham and Associates does not sell personal information and does not share it for cross-context behavioral advertising. Accordingly, there is no sale or sharing for you to opt out of. We will continue to honor this commitment and update this Policy if our practices change.

Right to Limit Use of Sensitive Personal Information

You have the right to direct us to limit the use and disclosure of sensitive personal information (such as government identifiers and financial account information) to purposes specified by the CCPA. We use sensitive personal information only for the purposes for which it was collected and as permitted by law.

Right to Non-Discrimination

We will not discriminate against you for exercising your CCPA rights. We will not deny services, charge different prices, or provide a different quality of service based on your exercise of these rights.

How to Submit a CCPA Request

To exercise any of the rights described above, submit a request through one of the following methods:

• Email: info@abrahamasset.com; Must include “Request for Information/Correction” in the subject line
• Mail: Abraham and Associates Asset Recovery Services, LLC, Attn: Privacy Officer, 848 Brickell Avenue, PH 5, Miami, FL 33131
• Telephone: (305) 307-1634

We will acknowledge receipt of your request within ten (10) business days and respond substantively within forty-five (45) calendar days, with the possibility of an additional forty-five (45) day extension where reasonably necessary, in accordance with the CCPA.

Verification

To protect your information, we will take reasonable steps to verify your identity before responding to a request. The verification process depends on the sensitivity of the information requested and may require you to confirm details we already have on file or, in some cases, provide a copy of government-issued identification.

Authorized Agents

You may designate an authorized agent to submit requests on your behalf by providing written authorization signed by you. We may require the authorized agent to provide proof of authority and may contact you directly to verify the request.

10.3 Florida Residents

Florida residents are protected under the Florida Information Protection Act of 2014 (Florida Statute 501.171), which requires us to provide notice of certain security breaches affecting personal information. Florida law currently does not provide consumers with the broad data subject access rights afforded under the CCPA, although certain rights apply to specific categories of information under sector-specific laws. Florida residents may submit privacy requests using the contact information in Section 16 of this Policy.

10.4 Other State Residents

Residents of certain other states (including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others) may have rights under their state’s consumer privacy laws. Where applicable laws grant such rights, we will honor them in accordance with each statute’s requirements. To exercise such rights, contact us using the information in Section 16.

11. Children’s Privacy

The Site and our services are intended for adults age eighteen (18) and older. We do not knowingly collect personal information from children under the age of thirteen (13), and our services are not directed to children. If you believe a child under thirteen has provided personal information to us, please contact us at info@abrahamasset.com and we will take steps to delete the information promptly in accordance with the Children’s Online Privacy Protection Act (COPPA).

12. Third-Party Links

The Site may contain links to third-party websites, including websites of the State of Florida, the county, the court, and other public-records resources. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policies of any third-party site you visit.

13. Geographic Scope and International Users

Abraham and Associates operates from and serves clients within the United States. Our services are not intended for, actively marketed to, or solicited from individuals located outside the United States. The firm does not actively target, monitor, or solicit residents of the European Union, the United Kingdom, or other jurisdictions with broader data-protection frameworks.

If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with applicable law in your location. Where residents of jurisdictions with applicable data-protection rights (including the European Union under the General Data Protection Regulation and the United Kingdom under UK GDPR) voluntarily contact the firm or interact with the Site, the firm will respond to privacy requests in good faith using the procedures described in Section 10.

By using the Site, you consent to the transfer of your information to the United States, where data-protection laws may differ from those of your home country.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the “Last Updated” date at the top of this Policy and, where appropriate, provide additional notice through the Site or by direct communication with you. Your continued use of the Site or our services after any update indicates your acceptance of the updated Policy. We encourage you to review this Policy periodically.

15. Electronic Communications and Consent

By providing your email address or telephone number to Abraham and Associates and engaging our services, you consent to receive electronic communications related to your inquiry or matter. This consent does not constitute consent to receive marketing communications, which require separate, express opt-in. You may communicate with our firm electronically and request that records and disclosures be delivered to you electronically.

16. Contact Us

If you have questions about this Privacy Policy, would like to exercise any of your rights, or wish to file a privacy-related complaint, please contact us: