A method for recovering data. The method including collecting identity factors at a user device, wherein hashes of the identity factors are configured to be stored at a server. The method including generating at the user device a dynamic password based on the identity factors and a Salt configured to be generated by the server and configured to be delivered to the user device. The method including generating at the user device a data key and encrypting the data key using the dynamic password to generate an encrypted data key configured to be stored at the server. The method including encrypting at the user device data items using the data key to generate encrypted data items configured to be stored at the server. As such, the data items are recoverable by presenting the identity factors to the server.