Terms & Conditions



Silver Lining Relief, a subsidiary of Provenance Group LLC ("Company," "we," "us," or "our") Address: 418 Broadway Street N, Albany, NY 12207 Phone: 929.460.1964 | Email: admin@silverliningrelief.com

Last Updated: July, 28th 2026

Please read these Terms & Conditions ("Terms") carefully before using our website or engaging our services. By accessing our website, submitting a request, or entering into an agreement with us, you ("Client," "you," or "your") agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Description of Services

Silver Lining Relief is a private asset recovery firm that assists former property owners, heirs, estates, executors, administrators, and businesses in identifying and recovering surplus funds (also called excess proceeds) that may be owed to them following a foreclosure sale or similar auction proceeding. Our services may include, without limitation:
    • Researching county, auction, and public records to determine whether surplus funds exist in your name;
    • Preparing and submitting claim documentation to the relevant county, court, or trustee;
    • Coordinating with attorneys and other third-party professionals on your behalf; and
    • Communicating with you regarding the status of your claim.

Silver Lining Relief is not a law firm, is not a government agency, and is not affiliated with any government agency. We do not provide legal advice. Where legal services are required to pursue a claim, such services are performed by independent, licensed attorneys, and nothing in these Terms creates an attorney-client relationship between you and Silver Lining Relief.

2. Eligibility and Client Responsibilities

By engaging our services, you represent and warrant that:

    • You are at least 18 years of age and legally competent to enter into a binding agreement;
    • You have a good-faith basis to believe you (or the estate/entity you represent) may be entitled to the surplus funds in question;
    • All information you provide to us — including identity documents, property records, and contact information — is true, accurate, and complete; and
    • You have the legal authority to act on behalf of any estate, heir group, or business entity for which you are submitting a claim.

You agree to respond promptly to requests for information or documentation, as claims are often subject to county-specific deadlines and time-sensitive filing requirements. Delays caused by your failure to provide requested information may affect the outcome or timing of your claim, and we are not responsible for any resulting loss of funds, missed deadlines, or claim denial.

3. Fees and Compensation

  • Our services are provided on a contingency fee basis only. You will not be charged any upfront fees, retainer, or hidden costs.
  • We are compensated only if surplus funds are successfully recovered on your behalf.
  • Our standard fee is 20% of the gross funds recovered, which is deducted from the proceeds before disbursement to you. This percentage is open to negotiation and will be confirmed in a separate signed engagement agreement prior to any work being performed.
  • If no funds are recovered, you owe us nothing.
  • Any fees charged by third-party attorneys, court filing fees, notary fees, or other third-party costs will be disclosed to you in advance and are separate from our contingency fee, unless otherwise stated in your engagement agreement.
  • Certain states impose statutory limits on the fees that may be charged for surplus fund recovery services, or require a specific contract form. Where applicable, state law will govern and control over any conflicting provision in these Terms or your engagement agreement.

4. No Guarantee of Results

Recovery of surplus funds depends on numerous factors outside our control, including county and court procedures, competing claims, liens, judgments, unpaid debts, tax obligations, and applicable state law. We do not guarantee that any surplus funds exist, that a claim will be approved, or that any specific amount will be recovered. Any timelines referenced (including the general estimate of funds being received within approximately six months of an approved claim) are estimates only and are not guaranteed.

5. Engagement Agreement

These Terms provide general information about our services. Before any work begins on your specific claim, you will be asked to review and sign a separate, individualized engagement or authorization agreement, which will set out the specific fee, scope of work, and any state-specific disclosures required by law. In the event of a conflict between these Terms and your signed engagement agreement, the engagement agreement will control.

6. Cancellation

You may cancel your engagement with us at any time prior to the recovery of funds by providing written notice to admin@silverliningrelief.com. Because our fee is contingency-based, no cancellation fee applies unless otherwise specified in your signed engagement agreement. However, you remain responsible for any third-party costs already incurred on your behalf that were disclosed to you in advance.

7. Confidentiality and Use of Information

We collect and use personal and property-related information solely for the purpose of researching, preparing, and pursuing your surplus funds claim. We will not sell your personal information to third parties. For more detail on how we collect, use, and protect your information, please see our Privacy Policy.

8. Intellectual Property

All content on this website — including text, graphics, logos, and images — is the property of Silver Lining Relief or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent.

9. Limitation of Liability

To the fullest extent permitted by law, Silver Lining Relief, its owners, employees, agents, and affiliated professionals shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to loss of funds, loss of claim eligibility, or missed deadlines, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or our services shall not exceed the fees actually paid by you to us.

Nothing in this section is intended to limit liability where such limitation is not permitted by applicable law.

10. Indemnification

You agree to indemnify and hold harmless Silver Lining Relief and its owners, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your breach of these Terms, your misrepresentation of facts, or your lack of authority to submit a claim on behalf of an estate, heir group, or entity.

11. Dispute Resolution

Any dispute arising out of or relating to these Terms or our services will first be addressed through good-faith negotiation between the parties. If a resolution cannot be reached, the parties agree to resolve the dispute through binding arbitration administered in accordance with the rules of the American Arbitration Association, conducted in [Insert County/State], unless otherwise required by applicable state law governing surplus fund recovery agreements. Nothing in this section prevents either party from seeking relief in small claims court where applicable.

12. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles, except where the law of the state in which the underlying property or claim is located mandates otherwise for surplus fund recovery agreements.

13. Nationwide Service Area

We provide services to clients in all 50 U.S. states, with the exception of Puerto Rico and other U.S. overseas territories. Certain services may be limited or modified based on the statutory requirements of the state in which the underlying property is located.

14. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Continued use of our website or services after changes are posted constitutes your acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Contact Us

If you have questions about these Terms, please contact us:

Silver Lining Relief 418 Broadway Street N, Albany, NY 12207 Phone: 929.460.1964 Email: admin@silverliningrelief.com

Disclaimer: Silver Lining Relief is a private asset recovery firm and is not affiliated with any government agency. Results are not guaranteed. Services are provided on a contingency basis.