FOUNDMONEY FINDER AGREEMENT
Kovet — FoundMoney Unclaimed-Money Search Service
Agreement version: FM-AGR-1.1-20261020 · Effective October 20, 2026

Please read this agreement before signing. A copy will be emailed to you at the
address you provide, and you can download or print this text at any time from
https://kovet.ai/found-money/ (Agreement section).

1. WHO WE ARE. FoundMoney is a service of Kovet ("Kovet", "we", "us"). Kovet is
a private company. We are NOT a government agency, and we are not affiliated
with any state, any state unclaimed-property office, the U.S. Treasury, or
NAUPA. Unclaimed money is held only by the state; the state decides every
claim and pays the owner directly. We never receive, hold, or control your
money.

2. YOUR FREE ALTERNATIVE — PLEASE READ. You can always search for and claim
unclaimed property yourself, for free, directly from the state that holds it,
through that state's official unclaimed-property website or the state links at
unclaimed.org. You do not need us, or anyone, to file a claim. Our service is
optional help with the searching and the claim legwork. Unclaimed money does
not expire; states hold it indefinitely.

3. WHAT YOU AUTHORISE. By signing, you authorise Kovet to (a) search the
official unclaimed-property databases of the 50 states and the District of
Columbia using the name(s) and states you provided; (b) contact you about the
results; and (c) if a property is scheduled under Section 5, help you prepare
and submit a claim for that property to the state holding it.

4. OUR FEE — CLEARLY LABELED.
Our fee: 10% of the amount the state actually pays you. Charged ONLY after you
are paid. $0 upfront. $0 if we find nothing. This service is offered only for
property held by the 29 states listed in Section 5; we do not offer this
service for property held by any other state. Indiana: total fee capped at
$5,000. If a state law caps the fee lower, the lower cap wins. Property still
inside a state's waiting period (usually 24 months; Virginia 36; New Mexico
48) is never charged — we point you to the free claim.

5. PAID-TIER SCOPE AND PROPERTY SCHEDULES — WHEN A FEE ATTACHES.
This agreement covers ONLY qualifying covered property: property that
(a) is held by one of these 29 jurisdictions: Alabama, Alaska, Arkansas,
Colorado, Connecticut, District of Columbia, Hawaii, Idaho, Indiana, Kansas,
Kentucky, Maine, Maryland, Michigan, Minnesota, Nebraska, Nevada, New
Hampshire, New Jersey, New Mexico, Oklahoma, Rhode Island, South Carolina,
South Dakota, Texas, Virginia, Wisconsin, West Virginia, Wyoming; (b) is past
that state's waiting period (24 months after delivery to the state in most
states; 36 months in Virginia; 48 months in New Mexico); and (c) is disclosed
to you in a Property Schedule under this section.
For EACH specific property, before any fee attaches to it, we will email you
a Property Schedule stating: the state holding the property, a description of
the property, the reported amount (where known), and the fee in dollars for
that property. Any disclosure your state's law requires for that property
applies to that Property Schedule, and if state law is stricter than this
agreement, state law controls. Signing this agreement today creates no fee
obligation for any property until a Property Schedule for that property has
been sent to you.
No fee is ever due before the state has actually paid you for the scheduled
property. If the state denies the claim, or pays nothing, the fee for that
property is $0. In Indiana, the total fee for a claim never exceeds $5,000,
even if 10% would be more.

6. PROPERTY OUTSIDE THE SERVICE SCOPE. For property held by any state outside
the 29 listed in Section 5, we do not offer this service: this agreement does
not cover that property, no fee is charged for it, and we provide no claim
service or guidance engagement for it. If our search identifies such property,
we will tell you, as information only, which state holds it, so you can claim
it directly from that state's official unclaimed-property website yourself,
for free. In those states, paid claim representation is available only through
licensed professionals; FoundMoney Pro is a separate service for those
professionals, under separate terms, and is not part of this agreement.
Property inside a covered state but still inside its waiting period is
likewise not charged — we point you to the free direct claim and take nothing.

7. YOUR DUTIES. If a property is scheduled and a claim is filed, you agree to:
(a) provide any documents the state requires directly on the official state
website or through the state's own process — we will never ask you for a
Social Security number, government ID, date of birth, or bank details, and
you must never send those to us; (b) notify us within 10 days of receiving a
payment from the state for a scheduled property, and share proof of payment
(such as the state's payment letter); (c) pay any fee due within 15 days of
receiving that payment — we will invoice you showing the amount the state
paid, the fee calculation, and the net you keep; and (d) you authorise the
state to release the status of that claim to us.

8. NO GUARANTEE. A search result is a possible match, not proof that money is
yours. We do not guarantee that property exists, that a claim will be
approved, any amount, or any timeline. State processing commonly takes 30 to
180 days; estate matters can take longer.

9. CANCELLATION. You may cancel a search request at any time, free of charge,
and ask us to delete your data under the FoundMoney Privacy Policy. You may
cancel this agreement within any cancellation or rescission period your state
provides, and in any event before a claim is submitted for a scheduled
property, by written notice to support@kovet.ai. Cancelling after a claim is
submitted does not cancel the claim with the state.

10. PRIVACY AND MARKETING. Your information is handled under the FoundMoney
Terms and Privacy Policy (https://kovet.ai/found-money/terms/ and
https://kovet.ai/found-money/privacy/). We never sell your data and never use
it to train AI models. Marketing emails are sent only if you separately opt
in; submitting this form is not marketing consent.

11. ELECTRONIC SIGNATURE. You consent to sign this agreement electronically.
Your electronic signature has the same effect as a handwritten signature. You
may withdraw e-sign consent or request a paper copy at any time via
support@kovet.ai; withdrawing consent does not undo a signature already given.
Your signature is recorded as: the full legal name you type in the signature
field, your agreement to the checkbox statement, the date and time, your IP
address, and your browser details, together with this agreement version
(FM-AGR-1.1-20261020). A copy of this signed agreement will be emailed to you
for your records.

12. GENERAL. This agreement sits alongside Kovet's general Terms of Service
(https://kovet.ai/terms/) and the FoundMoney Terms and Privacy Policy; where
they differ for FoundMoney, the FoundMoney terms control for FoundMoney. If
any part of this agreement exceeds what a state's law allows, that part is
void to the extent the state provides and we will not enforce it. Questions:
support@kovet.ai.

SCAM WARNING, FROM US. We will never ask you to pay an upfront fee to
"release" money, never ask for your Social Security number, date of birth,
government ID, bank login, or gift-card payment, and never claim money expires
soon. If a message saying it is from us does any of those things, it is not
from us — do not respond, and tell us at support@kovet.ai.