CarBarrage™ Program Addendum
Effective Date: May 4, 2026
This CarBarrage™ Program Addendum (“Addendum”) is entered into between participating members (“Member,” “you,” or “your”) and ReCapture Financial, Inc. (“ReCapture™,” “Company,” “we,” “our,” or “us”).
This Addendum supplements and incorporates by reference the:
- ReCapture™ Financial Participation Membership Agreement,
- ACH/eCheck Authorization Agreement,
- Refund Policy,
- Privacy Policy,
- SMS Terms,
- and related participation documents.
Participation in CarBarrage™ constitutes acceptance of this Addendum.
Program Overview
CarBarrage™ operates as a vehicle-focused participation pathway within the ReCapture™ Financial Participation Membership ecosystem.
The program is designed to support qualifying participants pursuing:
- participation continuity,
- structured vehicle participation pathways,
- participation-based payoff pathways,
- and qualifying trade-in participation opportunities.
Participation occurs through:
- ReCapture™ Financial Participation Membership,
- underwriting review,
- recurring participation activity,
- Good Standing requirements,
- and qualifying participation structures.
Participation Requirements
To participate in CarBarrage™, members may be required to:
- complete participation onboarding,
- complete underwriting review,
- provide household budget information,
- activate recurring participation activity,
- maintain Good Standing,
- maintain accurate participation information,
- and comply with participation requirements.
Participation approval is not guaranteed.
Dealer Participation Structure
CarBarrage™ may be offered through:
- participating dealerships,
- finance office participation structures,
- dealership aftermarket enrollment pathways,
- or consumer aftermarket enrollment pathways.
Dealerships are not:
- lenders,
- insurers,
- guarantors,
- investment advisers,
- or administrators of participation benefits.
Dealership participation is limited to:
- facilitating enrollment opportunities,
- presenting participation information,
- and facilitating operational participation pathways.
Operational participation administration remains the responsibility of ReCapture Financial, Inc.
Consumer Aftermarket Enrollment
Consumers may also access CarBarrage™ through:
- aftermarket enrollment pathways,
- direct consumer enrollment,
- or online participation onboarding.
Consumer aftermarket participation may involve separate pricing structures, participation pathways, underwriting requirements, or activation procedures.
Participation Credits
Participation credits are internal participation-based operational records associated with:
- participation continuity,
- participation consistency,
- participation duration,
- participation structures,
- and qualifying participation activity.
Participation credits:
- are not deposits,
- are not securities,
- are not investment products,
- are not insurance products,
- and are not guaranteed financial returns.
Participation credits are designed solely for operational participation tracking and qualifying participation pathways within the ReCapture™ ecosystem.
Good Standing Requirements
Good Standing is required for continued participation eligibility.
Good Standing may include:
- maintaining recurring participation activity,
- maintaining participation continuity,
- satisfying participation obligations,
- maintaining operational compliance,
- maintaining accurate participation records,
- and complying with participation requirements.
Loss of Good Standing may affect:
- participation eligibility,
- participation continuity,
- participation pathways,
- dashboard access,
- participation credits,
- and program-related opportunities.
Vehicle Participation Pathways
CarBarrage™ participation pathways may include:
- qualifying payoff participation opportunities,
- qualifying participation-based trade-in opportunities,
- participation continuity pathways,
- and qualifying participation milestone opportunities.
Participation pathways are subject to:
- underwriting,
- participation continuity,
- operational viability,
- Good Standing,
- and applicable participation requirements.
Participation opportunities are not guaranteed.
Trade-In Participation Opportunities
Qualifying participants maintaining participation continuity and Good Standing may become eligible for participation-based trade-in opportunities.
Illustrative participation pathways may include:
- participation-based opportunities after approximately 18 months of qualifying participation activity,
- participation-based opportunities after approximately 30 months of qualifying participation activity,
- and additional qualifying participation pathways based on operational participation structures.
Illustrative trade-in participation opportunities may include:
- up to approximately $4,800 in qualifying participation-based trade-in assistance opportunities after qualifying participation continuity milestones,
- and up to approximately $10,000 in qualifying participation-based trade-in assistance opportunities after qualifying participation continuity milestones.
Participation pathways:
- are illustrative operational participation examples,
- are not guaranteed,
- may vary,
- and remain subject to participation requirements, underwriting, operational viability, and Good Standing.
Payoff Participation Pathways
CarBarrage™ is designed to support qualifying participation pathways associated with:
- long-term participation continuity,
- qualifying payoff participation structures,
- and qualifying participation-based payoff opportunities.
Participation pathways may require:
- long-term participation continuity,
- recurring participation activity,
- qualifying participation structures,
- and operational participation compliance.
Payoff participation opportunities are not guaranteed.
Underwriting & Operational Review
Participation may require:
- onboarding review,
- participation review,
- household budget review,
- operational viability review,
- identity verification,
- and participation continuity analysis.
ReCapture™ reserves the right to:
- approve,
- deny,
- suspend,
- modify,
- or terminate participation
based upon operational, underwriting, fraud prevention, or compliance considerations.
Dashboard Visibility
Members may receive access to dashboard systems providing visibility into:
- participation activity,
- participation continuity,
- participation records,
- participation credits,
- communication activity,
- and participation status.
Dashboard visibility does not create:
- ownership interests,
- securities interests,
- deposit rights,
- investment rights,
- or guaranteed participation outcomes.
No Insurance / No Warranty
CarBarrage™ is not:
- vehicle insurance,
- GAP insurance,
- a vehicle warranty,
- a service contract,
- loan forgiveness,
- or a guaranteed rebate program.
Participation pathways are operational participation structures within the ReCapture™ ecosystem.
No Lender Relationship
ReCapture™ is not:
- a lender,
- creditor,
- loan servicer,
- or financing institution.
Vehicle financing remains solely between:
- the consumer,
- the dealership,
- and the financing institution.
ReCapture™ participation does not modify:
- loan obligations,
- lender obligations,
- financing agreements,
- or vehicle purchase contracts.
No Guarantee of Participation Benefits
Participation does not guarantee:
- participation approval,
- trade-in opportunities,
- payoff participation opportunities,
- participation credits,
- participation outcomes,
- or financial returns.
All participation pathways remain subject to:
- underwriting,
- participation continuity,
- operational viability,
- Good Standing,
- and participation requirements.
Participation Suspension & Termination
ReCapture™ reserves the right to:
- suspend participation,
- terminate participation,
- restrict participation,
- suspend dashboard access,
- or deny participation pathways
for operational, compliance, underwriting, fraud prevention, or participation-related reasons.
Fraud Prevention
ReCapture™ reserves the right to investigate:
- fraudulent activity,
- misrepresentations,
- unauthorized participation activity,
- payment irregularities,
- participation abuse,
- or operational misconduct.
Participation may be denied or terminated where fraud concerns exist.
Arbitration
Any dispute relating to:
- CarBarrage™ participation,
- participation pathways,
- participation activity,
- dealership participation,
- underwriting,
- dashboard systems,
- or operational participation matters
shall be resolved through binding arbitration in the State of Georgia unless otherwise required by law.
Members waive:
- jury trial rights,
- class actions,
- and consolidated proceedings,
except where prohibited by law.
Governing Law
This Addendum shall be governed by the laws of the State of Georgia.
Modifications
ReCapture™ reserves the right to:
- revise this Addendum,
- modify participation pathways,
- modify operational structures,
- revise participation requirements,
- or modify participation administration procedures.
Updated versions may be posted electronically.
Continued participation constitutes acceptance of revised terms.
Contact Information
ReCapture Financial, Inc.
500 Northside Circle NW, Suite PP05
Atlanta, Georgia 30309 USA
Phone: 1-855-369-5050
Email: support@JoinReCapture.com