Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Cairnfort ("Company," "we," "us," or "our"), governing your access to and use of our fraud recovery services, case management platform, and any related communications.
These Terms apply to all visitors, registered users, and paying clients. By accessing our website, submitting a case enquiry, or entering into a service engagement, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
These Terms were last updated on 01 January 2025. We reserve the right to modify these Terms at any time. Material changes will be communicated by email and a platform notification at least 14 days before they take effect.
Our Services
Cairnfort provides professional fraud and asset recovery services to individuals who have suffered financial losses due to scams, fraudulent investment schemes, unauthorised transactions, or related criminal activity. Our services include:
Case Investigation & Assessment
Detailed analysis of your fraud case, review of evidence, identification of responsible parties, and assessment of recovery viability across all available channels.
Fund Tracing & Blockchain Analysis
Technical tracing of funds through banking systems and blockchain networks, identification of wallet addresses and fund flows, and generation of forensic reports to support recovery efforts.
Financial Institution & Exchange Liaison
Direct communication with banks, payment processors, and cryptocurrency exchanges on your behalf to request fund recalls, account freezes, or information disclosures under applicable law.
Law Enforcement Support
Preparation of evidence packages for submission to the National Crime Agency, Action Fraud, Interpol, or other relevant agencies. We do not act as solicitors and our law enforcement submissions are advisory.
Legal Action Coordination
Where civil legal proceedings are warranted, we may coordinate with affiliated solicitors or provide evidence packages to legal professionals engaged independently by the client.
Our services are advisory and operational in nature. We do not provide regulated legal advice and are not a law firm. Where legal advice is required, clients should engage a qualified solicitor independently.
Eligibility
To use our services, you must meet the following eligibility requirements:
- Be at least 18 years of age. Persons under 18 may only engage our services through a parent or legal guardian acting on their behalf.
- Have the legal capacity to enter into binding contracts under the laws of your jurisdiction.
- Not be the subject of any legal order restricting your ability to access financial services or enter contracts.
- Provide accurate, complete, and truthful information about yourself and the fraud case at all times.
- Not be subject to sanctions administered by OFAC, the UK Office of Financial Sanctions Implementation (OFSI), the EU, or UN.
- Confirm that funds involved in your case were legitimately acquired and that you are the rightful owner or authorised representative.
We reserve the right to verify eligibility at any time and to refuse or suspend service where eligibility requirements are not met.
Client Obligations
Your cooperation is essential to the success of your recovery case. As a client, you agree to:
- Provide accurate, complete, and timely disclosure of all information, documents, and evidence relevant to your case. Withholding relevant information may result in case suspension without refund.
- Complete identity verification (KYC) promptly when requested. Cases cannot progress without verified identity as required by our AML obligations.
- Maintain confidentiality regarding case strategy, agent communications, and operational methods we employ on your behalf.
- Avoid contacting the fraudulent parties or associated exchanges directly regarding matters we are handling, unless we expressly advise you to do so.
- Notify us immediately if you receive any direct communication from parties under investigation, or if you recover any funds independently.
- Make all payments on time and in accordance with the agreed payment schedule. Late payment may result in suspension of case work.
- Not engage other recovery companies for the same case without our written consent, to avoid conflicting communications that may prejudice your recovery.
- Report any change in circumstances that may affect your case, including if you become the subject of legal proceedings relating to the funds.
Fees & Payments
Our fee structure is transparent and stage-based. Fees are outlined in your individual case engagement agreement and on the payment portal. The general structure is as follows:
| Stage | Description | Timing |
|---|---|---|
| Assessment Fee | Initial case assessment, evidence review, and recovery viability report | Payable upon case submission |
| Investigation Fee | Active fund tracing, blockchain analysis, and financial institution liaison | Payable at start of investigation |
| Legal Action Fee | Preparation of legal evidence packages, solicitor coordination, and court submissions | Payable before legal action commences |
| Success Fee | Agreed percentage of recovered funds upon successful recovery (where applicable) | Deducted from recovered amount |
Payment Methods
We accept payments via cryptocurrency (Bitcoin, Ethereum, USDT, and other networks as specified in your portal) and bank transfer where available. All cryptocurrency transactions are recorded with transaction hashes for audit purposes. Payment receipts are issued upon confirmation.
Currency & Exchange Rates
Fees are denominated in GBP (£) or USD ($) as specified in your engagement agreement. Where payment is made in cryptocurrency, the GBP/USD equivalent is calculated at the prevailing rate at the time of payment. We are not responsible for exchange rate fluctuations.
Taxes
All fees are exclusive of any applicable taxes. You are responsible for any taxes, duties, or levies imposed by your jurisdiction in connection with our services or any recovered funds.
⚠️ We will never request payment to personal wallets, or request payment via gift cards, money transfer services (Western Union, MoneyGram), or informal channels. All payment instructions are issued exclusively through your secure client portal. If you receive payment requests through any other channel, report this to us immediately as it may indicate fraud.
Refund Policy
All fees paid to Cairnfort are non-refundable except in the limited circumstances described below. By making payment, you acknowledge that our fees compensate for investigative work, time, and resources deployed on your case.
Non-Refundable Fees
Assessment fees, investigation fees, and legal action fees are non-refundable once the relevant stage of work has commenced. This is because the work product — analysis, reports, traced data, and correspondence — has intrinsic value independent of outcome.
Circumstances for Refund
A refund may be considered where: (a) we are unable to commence work on your case within 14 days of payment for reasons within our control; (b) we determine that your case is outside the scope of services we are able to provide before any investigative work begins; or (c) payment was processed in error or duplicated.
Refund Process
All refund requests must be submitted in writing to billing@Cairnfort.com within 30 days of the payment date. Approved refunds are processed within 10 business days to the original payment method where technically possible.
No Guarantee of Recovery
Cairnfort makes no representation, warranty, or guarantee that funds will be recovered in any amount, within any timeframe, or at all. Fraud recovery is inherently complex, jurisdiction-dependent, and often subject to factors entirely outside our control, including:
- The actions of fraudulent parties who may have dissipated, converted, or concealed assets
- Cooperation (or lack thereof) from third-party financial institutions, exchanges, and service providers
- Jurisdictional limitations, international legal barriers, and mutual legal assistance treaty (MLAT) timelines
- Regulatory decisions by financial regulators, law enforcement agencies, and courts
- The completeness, accuracy, and timeliness of information and evidence provided by the client
- Changes in law, regulation, or platform policies that affect recovery mechanisms
Intellectual Property
All content, software, reports, methodologies, tools, and materials created by Cairnfort in connection with your case or on our platform are our intellectual property, protected by copyright, trade secret law, and applicable IP legislation.
Reports and evidence packages prepared specifically for your case are licensed to you for the purpose of your recovery case and any related legal proceedings. You may not sell, license, or transfer these materials to third parties without our written consent. Our investigative methodologies, proprietary tracing tools, and internal processes remain our exclusive property at all times.
Confidentiality
Both parties agree to maintain strict confidentiality regarding the other party's confidential information, including case details, recovery strategies, and financial information.
Our Obligations
We will not disclose your personal or case information to third parties except as necessary to deliver our services, as required by law, or as described in our Privacy Policy. All staff and agents are bound by confidentiality obligations.
Your Obligations
You agree not to disclose details of our recovery strategies, agent identities, technical methods, or internal communications to any third party, including the fraudulent parties. Breach of this obligation may result in immediate case termination without refund and may expose you to liability for damages.
Limitation of Liability
To the maximum extent permitted by applicable law, Cairnfort' total aggregate liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the total fees paid by you to us in the 12 months preceding the claim.
We shall not be liable for: indirect, incidental, special, consequential, or punitive damages; loss of profits or business; loss of opportunity; damages arising from reliance on third-party actions beyond our control; or any outcome related to the conduct of fraudulent parties.
Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; any liability that cannot be excluded or limited under applicable law, including the Consumer Rights Act 2015.
Termination
Termination by You
You may terminate your engagement with us at any time by providing written notice to support@Cairnfort.com. Termination does not entitle you to a refund of fees paid for work already performed. We will provide you with all case materials and evidence gathered to the date of termination within 14 days.
Termination by Us
We may suspend or terminate your case without liability if: you provide materially false or misleading information; you breach your obligations under these Terms; you fail to make payment within 30 days of the due date; we are legally or regulatorily required to cease services; or we reasonably determine that continuing the engagement would violate applicable law.
Effect of Termination
Termination does not affect any rights or obligations accrued prior to termination. Clauses relating to confidentiality, limitation of liability, intellectual property, and governing law survive termination indefinitely.
Governing Law & Disputes
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the law of England and Wales.
Both parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms. Notwithstanding this, we reserve the right to seek injunctive relief in any jurisdiction to protect our intellectual property or confidential information.
Before commencing formal legal proceedings, both parties agree to attempt to resolve disputes in good faith through direct negotiation for a period of 30 days from written notice of the dispute.
Complaints Procedure
We take all complaints seriously and are committed to resolving them promptly and fairly. If you have a complaint about our services:
- Submit your complaint in writing to complaints@Cairnfort.com, providing your case reference number and a clear description of your concern.
- We will acknowledge your complaint within 3 working days and provide a full written response within 14 working days.
- If you are not satisfied with our response, you may escalate your complaint to our senior management within 30 days of our response.
- Clients who remain unsatisfied after our internal process have the right to seek independent dispute resolution or pursue claims through the courts.