How MoneySweep verifies unclaimed money.

MoneySweep aggregates 7 government-listed sources of unclaimed money for Americans. We do not invent the data. The data is public. We make it findable, organized, and walked through, in one place.

1. The 7 sources, named

Most "find your unclaimed money" services treat the source list as proprietary. We do the opposite. Each of the 7 sources MoneySweep aggregates is a publicly listed government or government-coordinated database. Naming them is part of the methodology, not a giveaway.

Where applicable, MoneySweep also indexes settlement notices, undeliverable-mail registries, and consumer redress funds. These are reviewed source-by-source and only added when the originating administrator is verifiable.

2. What MoneySweep does

• Reads the same identifiers across all 7 sources, in the same session, instead of forcing you to repeat the search 7 times.
• Normalizes name variations (married name, maiden name, common misspellings, suffix differences) so an agency record under "Robert Smith Jr" surfaces when you search "Bob Smith".
• Translates the agency's own claim instructions into plain-English steps, with the documentation each agency actually requires.
• Tracks where you are in the claim process per match, so you can leave and come back without re-doing work.
• Updates source coverage as agencies update their databases and as new federal or state programs come online.

3. What MoneySweep does not do

• We do not collect, store, or transmit Social Security numbers on intake. SSN is only entered later, on the agency's own page, when you decide to file the claim.
• We do not charge a finder fee, percentage, or contingency. Pricing is a flat subscription. The money you recover stays 100% yours.
• We do not sell, rent, or share your personal information with affiliates, data brokers, or third-party advertisers.
• We do not impersonate any government agency, use government seals, or imply official endorsement.
• We do not file claims on your behalf. Each claim is filed by you, on the agency's official page. We guide; we do not transact.

4. Methodology and match logic

For each search, MoneySweep takes the identifying inputs (legal name, prior names, dates, states of residence) and runs them against each source's published match logic. Where the agency provides an official lookup tool, MoneySweep mirrors that tool's request format. Where the agency only publishes a database, MoneySweep performs deterministic matching with documented tolerance for spelling and date variations.

Confidence levels

Each match returned is labeled with a confidence level reflecting how the underlying source treats it.

What we do when sources disagree

When two sources return conflicting records (for example, a state escheat record and a federal pension record under the same name) we surface both and flag the conflict. We do not attempt to merge or de-duplicate across agencies because the agencies themselves do not share data.

5. Data handling and security

• Encryption at rest: Postgres with AES-256.
• Encryption in transit: TLS 1.3 only. HSTS preloaded.
• Authentication: passwordless magic link via verified domain. We do not store passwords.
• Audit trail: every search request, consent action, and claim status update is logged with user ID, timestamp, and source. Logs retained for 7 years per IRS recordkeeping guidelines.
• Right to export: any user can request a complete data export via privacy@moneysweep.co. Delivered within 30 days.
• Right to delete: any user can request full account and search-history deletion. Honored within 30 days, with audit confirmation.
• GLBA alignment: the authenticated app side is GLBA-aligned for any sensitive financial information processed there. The marketing intake collects only first name, email, state, age range — none of those are GLBA-covered NPI.
• Service provider categories: database / authentication, email delivery, network security, application hosting. No advertising or data-broker vendors. Categories detailed at /privacy#vendors.

6. Fees, fairness, and conflict of interest

MoneySweep is a flat subscription. There is no finder fee, no contingency, no percentage of recovered funds. The only money MoneySweep makes from a user is the subscription price. We disclose this here because finder-fee businesses ("we will find your money for 30%") are the dominant model in this space and they have a structural incentive to overstate matches and create urgency.

7. Independence from government agencies

MoneySweep is a private company. We are not affiliated with, endorsed by, sponsored by, or contracted with any agency named on this site or in our app. The use of agency names (NAUPA, IRS, FDIC, PBGC, NAIC, DOL, VA, RRB, US Treasury) is factual reference to public databases and source materials. None of these names imply partnership.

You can always go directly to the agency. We publish the canonical URL of each source inside the app. Using MoneySweep is a convenience choice, not a gate.

8. Audit log and review cadence

This methodology page is reviewed quarterly. When a source changes its database, query interface, or claim process, the corresponding source page inside the app is updated within 7 days and the change is recorded in the public changelog at /changelog (publishing soon).

An independent third-party review of the verification methodology and data handling is planned within 6 months of public launch. The review report will be published here.

9. Contact and data protection officer

For data privacy, security questions, or methodology concerns:

• General: hello@moneysweep.co
• Privacy and DPO: privacy@moneysweep.co
• Security disclosure: security@moneysweep.co
• Press: press@moneysweep.co

Want a methodology question answered before you sign up? Email hello@moneysweep.co. We answer methodology questions on the record and add the answer to a public FAQ when the question recurs.

Last reviewed: 2026-04-30.