Terms of Service

1. Acceptance of These Terms

These Terms of Service (these "Terms") form a binding contract between you and Atlantic Settlement Funding, LLC ("Atlantic," "we," "us," or "our"), a Florida limited liability company headquartered in Miami, Florida. They govern your access to and use of our websites, including fundyourcase.ai, accidentcash.ai, injurycash.ai, and malpracticecash.com, and any related pages, applications, and tools (collectively, the "Sites"), and your interactions with our representatives, our automated AI voice assistant, and our funding, structured-settlement, and lead-generation services (collectively, the "Services").

By accessing the Sites, submitting a form, calling or texting us, or otherwise using the Services, you agree to these Terms. If you do not agree, do not use the Sites or the Services.

These Terms include an arbitration agreement and class-action waiver (Section 17). Please read them carefully.

2. Eligibility

To use the Sites or the Services you must:

• Be at least 18 years of age (or the age of majority in your state, if higher);
• Be a resident of the United States;
• Have the legal capacity to enter into binding contracts; and
• Not be prohibited from receiving the Services under any applicable law or our internal policies.

The Services are not available in every U.S. state. Pre-settlement funding is not available in jurisdictions where it is prohibited by law, and is subject to minimum funding amounts and other state-specific rules in certain states. We will tell you whether you are eligible during the application process.

3. Who We Are and What We Are Not

Atlantic is a consumer-finance and lead-generation company. Atlantic is not a law firm. We do not practice law, and we do not provide legal advice. Nothing on the Sites or in any communication from us is legal advice, and nothing creates an attorney-client relationship between you and Atlantic.

If you need legal advice, consult an independent licensed attorney. The lawyers and law firms that may be introduced to you through the Services are independent of Atlantic; we do not control their work, supervise their representation, or guarantee any outcome.

4. The Three Verticals (Vertical-Specific Riders)

Different parts of these Terms apply to different products. The general Terms in Sections 1–3 and 5–22 apply to everyone. The following vertical-specific riders apply only to the products you use:

• Schedule A — Pre-Settlement Funding Rider (if you apply for or receive a pre-settlement advance)
• Schedule B — Structured Settlement Purchase Rider (if you request a quote or sell future settlement payments)
• Schedule C — Personal Injury Lead Generation and Retainer Facilitation Rider (if you use our Sites to be connected with a law firm)

The vertical-specific riders are at the end of these Terms and form an integral part of them.

5. Account and Information Accuracy

You agree to provide accurate, current, and complete information when you submit forms, applications, or communications, and to update it as needed. We may rely on the information you provide, and we may decline or terminate Services if information is incomplete, inaccurate, or fraudulent. Submitting false information to obtain funding may constitute fraud and may be referred to law enforcement.

6. Communications

By providing your phone number, email address, or other contact information, you authorize us to contact you about your inquiry, application, account, or the Services through the channels and consents described in our Privacy Policy, at the consent capture point on the relevant form, in our SMS Terms & Conditions, and in our TCPA / AI Voice Consent Disclosure (presented at the time of consent).

• AI voice agent: Our automated AI voice assistant ("Alex") will identify itself as AI at the start of every call.
• Call recording: Calls may be recorded for quality, training, compliance, and recordkeeping. We will tell you at the start of recorded calls.
• Text messages: SMS frequency, opt-out, and other terms are described in our SMS Terms & Conditions.
• Revoking consent: You can revoke consent at any time by replying STOP to a text, telling our agent or representative on a call, or emailing unsubscribe@atlanticsf.com. Revocation does not affect Services already in progress.

7. Acceptable Use

You agree not to:

• Use the Sites or Services for any unlawful purpose or in violation of these Terms;
• Submit false, misleading, fraudulent, or impersonated information;
• Interfere with, disrupt, attack, or attempt to compromise the security of the Sites;
• Use any robot, scraper, crawler, or other automated means to access the Sites except as permitted by our robots.txt file;
• Reverse-engineer, decompile, or disassemble any part of the Sites;
• Reproduce, copy, modify, distribute, or create derivative works from any content on the Sites without our written consent (except as permitted in Section 8); or
• Use the Sites in a way that infringes the rights of any third party.

We may suspend or terminate your access to the Sites or Services at any time, with or without cause, and with or without notice.

8. Intellectual Property

The Sites and all content on them — including text, graphics, logos, images, audio, video, code, design, and the "Atlantic Settlement Funding" name and marks — are owned by Atlantic or our licensors and are protected by U.S. and international intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Sites for your personal, non-commercial purposes related to evaluating or using the Services. All other rights are reserved.

You retain ownership of information and content you submit to us, but you grant Atlantic a non-exclusive, royalty-free, worldwide license to use, store, copy, modify, and display that information and content for the purpose of providing the Services and as otherwise described in our Privacy Policy.

9. Disclaimers

We do not warrant that:

• The Sites will be uninterrupted, error-free, secure, or free of viruses or other harmful components;
• Any information on the Sites is accurate, complete, current, or reliable;
• You will be approved for funding, that funding will be available within any specific time, or that any case-related outcome will occur; or
• Any law firm introduced to you will accept your case, achieve any particular result, or perform to any particular standard.

We make no representation about the merits, value, or likely outcome of any legal claim. We do not provide tax, legal, or financial advice. Settlement and case outcomes depend on facts, law, and counsel that are outside our control.

10. Limitation of Liability

The above limits do not apply to amounts payable to you under a fully executed funding or structured-settlement agreement, which are governed by that agreement, or to liability that cannot be limited under applicable law (including, in many states, gross negligence, intentional misconduct, fraud, and certain consumer-protection claims).

Some jurisdictions do not allow limitations on certain warranties or damages. In those jurisdictions, the limitations apply to the maximum extent permitted.

11. Indemnification

You agree to indemnify, defend, and hold harmless Atlantic and our affiliates, officers, directors, employees, agents, and service providers from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Sites or Services; (b) your violation of these Terms; (c) your violation of any law or third-party right; or (d) any false, misleading, or inaccurate information you provide.

12. Third-Party Services and Links

The Sites may include links to third-party websites or integrate third-party services (e.g., DocuSign, Vapi, payment processors, advertising and analytics providers). Atlantic is not responsible for those websites or services, and your use of them is governed by their own terms and privacy policies.

13. State-Specific Provisions

Some U.S. states require us to provide additional disclosures or apply additional rules. Where state law conflicts with these Terms, state law controls to the extent of the conflict, but only as to residents of that state and only as required by law. Without limiting the foregoing:

• Restricted-state notice (pre-settlement funding): Pre-settlement funding is not available to residents of, or for incidents occurring in: Arkansas, Colorado, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, South Dakota, Vermont, and West Virginia.
• Minimum funding amounts: Pre-settlement funding in Connecticut requires a minimum funded amount of $50,000; in North Carolina, a minimum of $25,000.
• Special-rule states: Alabama, Georgia, Illinois, Indiana, Michigan, Minnesota, Ohio, Oklahoma, South Carolina, Tennessee, and Utah have state-specific underwriting and disclosure rules; we will provide the applicable disclosures during the application process.
• California: see also our Privacy Policy and CCPA disclosures, and Cal. Civ. Code § 1632 — if your funding agreement is negotiated primarily in Spanish, we will provide a Spanish-language translation of the agreement before signing.
• New York: pre-settlement funding is governed by the New York Consumer Litigation Funding Act (effective 2026); state-required disclosures will be set out in the funding agreement.

14. Modifications to the Sites and Services

We may modify, suspend, or discontinue the Sites or Services (or any feature) at any time, with or without notice. We are not liable to you for any such modification, suspension, or discontinuation.

15. Modifications to These Terms

We may update these Terms from time to time. When we make material changes, we will post the updated Terms on the Sites and update the "Effective Date" above; where required by law, we will provide additional notice. Your continued use of the Sites after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, stop using the Sites and Services.

16. Termination

You may stop using the Sites at any time. We may terminate or suspend your access to the Sites or Services at any time, with or without cause, and with or without notice. Sections 5, 7, 8, 9, 10, 11, 13, 17, 18, and 19 survive termination.

17. Arbitration Agreement and Class-Action Waiver

17.1 Agreement to Arbitrate

You and Atlantic agree that any dispute, claim, or controversy arising out of or relating to your access to or use of the Sites, these Terms, or our communications with you (each, a "Dispute"), other than the carve-outs in Section 17.4, will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (available at adr.org), and not in court.

The arbitrator will decide all issues, including the scope, applicability, and enforceability of this arbitration agreement, except that a court may decide whether the class-action waiver in Section 17.3 is enforceable.

17.2 Procedure

The arbitration will be conducted by a single arbitrator. The seat of arbitration is Miami-Dade County, Florida, and the language is English; however, you may elect to have the hearing conducted by phone or videoconference, or in your home county. AAA's then-current consumer fee schedule applies; we will pay any AAA fees that exceed those you would pay in court for an equivalent action. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs interpretation and enforcement of this arbitration agreement.

17.3 Class-Action Waiver

The arbitrator may not consolidate more than one person's claims and may not preside over any form of class proceeding. If a court determines that this class-action waiver is unenforceable as to a particular claim, that claim (and only that claim) will be severed from arbitration and brought in court.

17.4 Carve-Outs

This Section 17 does not apply to (a) actions in small-claims court within the small-claims court's jurisdictional limit; (b) requests for temporary injunctive relief in court to protect intellectual property pending arbitration; (c) any dispute that cannot be arbitrated as a matter of law; or (d) court-approval proceedings under any state Structured Settlement Protection Act, which by law must be heard in a designated court.

17.5 Mass Filings

If 25 or more similar claims are filed by or with the assistance of the same counsel within 60 days of one another, we and the claimants may agree, or AAA may direct, a coordinated process for resolving the claims efficiently in batches.

17.6 30-Day Right to Opt Out

You have 30 days from your first acceptance of these Terms to opt out of this Section 17 by emailing arbitration-optout@atlanticsf.com with your name, address, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

17.7 Pre-Arbitration Notice

Before initiating arbitration, the party with a claim must give the other party at least 60 days' written notice describing the claim and the relief sought, and a good-faith opportunity to resolve it.

18. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules. For any claim that is not subject to arbitration, the exclusive venue is the state and federal courts located in Miami-Dade County, Florida, and you and Atlantic consent to personal jurisdiction in those courts. This Section does not override any state-law venue or forum requirement that protects consumers (e.g., state Structured Settlement Protection Act venue rules).

19. Notices

We may give you notices by email to the address you have provided us, by SMS to your phone number, by posting on the Sites, or by U.S. mail. You must give us notices by U.S. mail to Atlantic Settlement Funding, LLC, [INSERT MAILING ADDRESS], Miami, FL [ZIP], Attn: Legal Department, with a copy by email to legal@atlanticsf.com.

20. Assignment

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in our sole discretion. Any unauthorized assignment is void.

21. Miscellaneous

If any provision of these Terms is held unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if not possible, and the remainder will remain in full force. No waiver is effective unless in writing. These Terms (together with the Privacy Policy, SMS Terms & Conditions, Cookie Policy, and any other documents referenced) constitute the entire agreement between you and Atlantic regarding the Sites and supersede all prior agreements about that subject.

22. Contact

Atlantic Settlement Funding, LLC
Attn: Legal Department
[INSERT MAILING ADDRESS]
Miami, FL [ZIP]
Email: legal@atlanticsf.com
Phone: 1-800-466-7885

This Schedule A applies if you apply for, request information about, or receive a pre-settlement funding advance from Atlantic.

A.1 What Pre-Settlement Funding Is and Is Not

Pre-settlement funding is a non-recourse purchase of a contingent interest in the proceeds of your pending legal claim. It is not a loan. If your case does not result in a recovery, you owe us nothing. We do not control or direct your case, and your attorney's independent professional judgment is preserved at all times.

A.2 Eligibility

To qualify, you must (a) have a pending legal claim, (b) be represented by a licensed attorney, (c) reside in or have a claim in a state where we offer funding, and (d) meet our underwriting criteria, including any state-specific minimums. Decisions are made by a human underwriter; AI may assist but does not make final decisions.

A.3 The Funding Agreement Controls

The terms of any funding advance are set forth in a separate written Funding Agreement that you and Atlantic will sign. The Funding Agreement controls your repayment obligation, charges, payment schedule, right to cancel, and other transaction terms. These Terms are not the Funding Agreement. Nothing on the Sites is an offer to fund; offers are made only through a written Funding Agreement.

A.4 Right to Cancel

You will have a minimum 10-business-day right to cancel the Funding Agreement after signing, as set forth in the Funding Agreement.

A.5 Attorney Acknowledgment and Independent Advice

We will require your attorney's written acknowledgment of the Funding Agreement. We strongly encourage you to discuss the Funding Agreement with your attorney before signing. Your attorney represents you, not us.

A.6 No Promises About Case Outcome or Funding Speed

We make no representation about the value of your case or the time it will take to settle. Funding speed depends on case verification, attorney cooperation, and document execution. Marketing references to "fast funding," "24-hour funding," or similar phrases describe the typical timeline after we have received all required information and documents and the Funding Agreement has been fully executed; actual timing varies.

A.7 No Tax or Legal Advice

We do not provide tax or legal advice. Consult your own advisors regarding the tax and legal consequences of pre-settlement funding.

This Schedule B applies if you request a quote for, or sell, future structured-settlement payments to Atlantic or its affiliates.

B.1 What This Is

A structured-settlement transfer is a sale of your future settlement-payment rights in exchange for a present lump sum, subject to court approval under your state's Structured Settlement Protection Act ("SSPA") and IRC § 5891. Without a qualifying court order, a 40% federal excise tax applies to the transaction.

B.2 Court Approval Required

We cannot lawfully complete a transfer without a qualifying court order. The court must find, among other things, that the transfer is in your best interest considering the welfare and support of your dependents. Court approval typically takes 30 to 90 days after a complete petition is filed.

B.3 Required Disclosures and Right to Cancel

Before any transfer, we will provide all disclosures required by your state's SSPA and applicable federal law, including the gross amount, present value, effective annual discount rate, equivalent APR, and net amount you will receive. You will also be advised of your right to independent professional advice (and may, in some states, be required to receive it before signing). State law provides a right to cancel the transfer at any time before the court enters its order, and in some states for additional periods.

B.4 The Transfer Agreement Controls

The terms of any specific transfer are governed by a separate written Transfer Agreement and supporting documents that you and Atlantic (or its affiliated transferee) will sign. Those documents, the SSPA, and the court order govern the transaction.

B.5 No Promises of Approval

We do not guarantee that any court will approve any particular transfer. The court applies the best-interest standard independently.

B.6 Marketing Language

Any references on the Sites to "instant cash," "fast money," or similar phrases describe the typical timeline once all documentation is complete and a qualifying court order has been entered, and are subject to the SSPA and § 5891 process described above.

This Schedule C applies if you use the Sites or our Services to be connected with a law firm regarding a potential personal-injury claim.

C.1 We Are Not a Law Firm

Atlantic is not a law firm. Atlantic does not practice law or provide legal advice. We do not represent you. We do not select, supervise, or evaluate the quality of attorneys; you choose your own counsel. Nothing on the Sites or in any communication is legal advice. Your decision to retain or not retain any attorney is yours alone.

C.2 What We Do

If you choose, we can introduce you to one or more independent law firms that have indicated they may be available to evaluate cases like yours. We may transmit information you provide (with your consent) to a law firm so that the firm can decide whether to consider your case. Each law firm independently decides whether to consider, accept, or decline your case.

C.3 Attorney Advertising Notice

The Sites contain attorney advertising. Past results do not guarantee a similar outcome. Hiring an attorney is an important decision that should not be based solely on advertising.

C.4 Retainer Is Between You and the Law Firm

Any retainer or representation agreement is between you and the law firm, not Atlantic. Atlantic is not a party to any retainer, does not collect or hold legal fees, and does not share in any contingency or other legal fee. Any electronic-signature platform we make available is offered solely as a delivery technology; the law firm is responsible for the content and execution of its own retainer.

C.5 No Fee-Sharing or Referral Fee Tied to Outcome

Atlantic does not accept payments from law firms that vary with the outcome of your case, the legal fee earned, or the value of any settlement. Any payments Atlantic receives from law firms are limited to flat fees that constitute the reasonable cost of marketing or qualifying-provider services and are not contingent on case outcome.

C.6 Co-Representation and Lead Sharing

We will not transmit your information to multiple law firms without your consent. If you elect to be connected to more than one law firm, you authorize that transmission at the consent capture point.

C.7 Your Right to Withdraw

You may at any time decline to be connected with any law firm, withdraw your inquiry, or contact a law firm directly without our involvement.