Dealer Participation Agreement
Operational Participation Structure
Effective Date: May 4, 2026
This Dealer Participation Agreement (“Agreement”) is entered into between ReCapture Financial, Inc. (“ReCapture™,” “Company,” “we,” “our,” or “us”) and the participating dealership (“Dealership,” “Dealer,” “you,” or “your”).
This Agreement governs dealership participation relating to CarBarrage™ participation pathways and related ReCapture™ Financial Participation Membership Programs.
Purpose of Agreement
The purpose of this Agreement is to establish a structured dealership participation relationship allowing participating dealerships to:
- present CarBarrage™ participation opportunities,
- facilitate customer participation onboarding,
- integrate participation activation into dealership finance operations,
- support operational participation pathways,
- and provide customers access to ReCapture™ Financial Participation Membership Programs.
This Agreement does not create:
- a lending relationship,
- insurance relationship,
- securities relationship,
- banking relationship,
- debt cancellation relationship,
- or joint venture relationship.
Nature of CarBarrage™
CarBarrage™ operates as a vehicle-focused participation pathway within the broader ReCapture™ Financial Participation Membership ecosystem.
CarBarrage™ is designed to support:
- participation continuity,
- household financial structure,
- recurring participation behavior,
- customer retention pathways,
- payment participation continuity,
- participation-based trade-in pathways,
- and participation-based payoff pathways.
CarBarrage™ is not:
- GAP insurance,
- a vehicle warranty,
- a service contract,
- debt cancellation,
- loan forgiveness,
- investment management,
- or a guaranteed rebate program.
Operational Participation Structure
The parties acknowledge that:
- dealerships perform vehicle financing operations,
- lenders perform credit underwriting,
- and ReCapture™ performs participation viability review and participation administration.
Participation review may include:
- household budget review,
- participation continuity analysis,
- participation sustainability analysis,
- participation margin analysis,
- recurring obligation review,
- and operational viability review.
ReCapture™ underwriting does not replace lender underwriting.
Lender approval does not guarantee participation approval.
Participation approval does not guarantee financing approval.
Participation Margin
ReCapture™ may utilize internal participation viability metrics, including participation margin analysis, to evaluate participation sustainability and participation continuity potential.
Participation margin generally refers to operational household surplus remaining after evaluation of recurring obligations and participation structures.
ReCapture™ retains sole authority regarding participation viability determinations.
Customer Intake & Participation Activation
Participation onboarding may occur:
- before dealership arrival,
- during finance office operations,
- remotely,
- or through dealership-assisted onboarding pathways.
Customers may:
- create dashboard accounts,
- establish participation credentials,
- complete onboarding,
- upload household budget information,
- and complete participation intake prior to vehicle delivery.
All customer participation agreements are entered directly between:
- the customer,
- and ReCapture Financial, Inc.
Dealerships are not parties to customer participation agreements.
Conditional Participation Eligibility
Participation eligibility remains subject to:
- operational review,
- underwriting review,
- participation verification,
- participation continuity analysis,
- identity verification,
- and participation approval by ReCapture Financial, Inc.
Dealerships shall not:
- guarantee participation approval,
- guarantee participation outcomes,
- guarantee trade-in opportunities,
- guarantee payoff participation pathways,
- or guarantee participation credits.
Participation Activation Fees
CarBarrage™ participation may involve a Participation Activation Fee associated with:
- onboarding,
- participation administration,
- dashboard systems,
- participation infrastructure,
- operational servicing,
- and participation pathway activation.
Participation Activation Fees are not:
- insurance premiums,
- securities investments,
- loan payments,
- escrow funds,
- or deposit accounts.
Dealerships may structure dealership pricing, markups, or participation activation pricing within authorized operational parameters approved by ReCapture™.
Dealership Compensation
Dealerships may receive compensation associated with:
- participation activation pathways,
- participation administration pathways,
- finance office participation placement,
- or operational participation enrollment activity.
Dealership compensation structures remain separate from ReCapture™ operational participation administration.
Chargebacks & Cancellation Exposure
The parties acknowledge that dealership-originated participation enrollments may involve:
- financed participation activation structures,
- backend finance office participation placement,
- lender-funded participation activation amounts,
- and dealership compensation structures.
Unless otherwise agreed in writing:
- dealerships retain responsibility for dealership-related cancellation exposure,
- dealership-originated chargeback exposure,
- and lender-related backend participation reversals.
ReCapture™ shall not be responsible for dealership finance office markups or dealership participation profit structures.
ReCapture™ responsibility may be limited to:
- operational errors,
- duplicate participation enrollments,
- fraud-related operational failures,
- or administrative processing failures directly caused by ReCapture™.
Participation Continuity & Stabilization Structure
The parties acknowledge that ReCapture™ participation infrastructure is designed to encourage:
- recurring participation behavior,
- structured financial activity,
- payment participation continuity,
- household participation visibility,
- and long-term participation sustainability.
The ReCapture™ ecosystem may include:
- operational adjustment periods,
- participation stabilization periods,
- dashboard participation visibility,
- participation tracking,
- and recurring participation structures.
Participation continuity is considered a core component of the operational participation model.
Potential Operational Benefits
The parties acknowledge that structured participation systems may contribute to:
- improved payment organization,
- recurring participation visibility,
- improved household financial structure,
- increased customer engagement,
- participation continuity,
- customer retention opportunities,
- and reduced payment fragmentation.
No guarantee is made regarding:
- payment performance,
- lender outcomes,
- delinquency reduction,
- repossession reduction,
- or financial outcomes.
Dashboard Infrastructure
ReCapture™ may provide dashboard systems allowing participating members to:
- track participation activity,
- view participation status,
- monitor participation continuity,
- manage participation communications,
- and access operational participation systems.
Dashboard systems are administered solely by ReCapture™.
Dealerships are not responsible for dashboard administration.
Good Standing
Participation pathways may require members to maintain Good Standing.
Good Standing may include:
- recurring participation activity,
- operational compliance,
- participation continuity,
- accurate participation information,
- and ongoing participation engagement.
Good Standing affects:
- participation continuity,
- participation pathways,
- participation eligibility,
- participation visibility,
- and operational participation status.
No Lender Relationship
ReCapture™ is not:
- a lender,
- creditor,
- loan servicer,
- financing institution,
- or loan administrator.
Vehicle financing remains solely between:
- customer,
- dealership,
- and financing institution.
Participation pathways do not:
- alter financing obligations,
- alter lender rights,
- modify financing contracts,
- or replace customer loan obligations.
Customer Information & Intake Accuracy
Customers remain solely responsible for:
- accuracy of participation information,
- accuracy of household budget information,
- accuracy of onboarding information,
- and participation-related disclosures.
Dealerships are not responsible for:
- verifying household budget accuracy,
- verifying participation information,
- or validating participation viability information submitted by customers.
Marketing & Representations
Dealerships agree to market CarBarrage™ only using:
- approved participation disclosures,
- approved operational materials,
- approved participation terminology,
- and authorized participation representations.
Dealerships shall not:
- represent CarBarrage™ as insurance,
- represent CarBarrage™ as guaranteed reimbursement,
- represent CarBarrage™ as loan forgiveness,
- represent participation pathways as guaranteed financial outcomes,
- or create unauthorized participation materials.
Underwriting Authority
ReCapture™ retains sole authority regarding:
- participation approval,
- participation denial,
- underwriting determinations,
- operational review,
- participation suspension,
- and participation termination.
Dealerships possess no authority to:
- override underwriting,
- approve participation,
- modify participation structures,
- or alter participation requirements.
Fraud Prevention
ReCapture™ reserves the right to investigate:
- fraudulent activity,
- misrepresentations,
- participation abuse,
- duplicate enrollments,
- payment irregularities,
- and operational misconduct.
Participation may be denied, suspended, or terminated where fraud concerns exist.
Independent Contractor Relationship
The parties acknowledge:
- dealerships operate independently,
- no partnership exists,
- no agency relationship exists,
- and no employment relationship exists.
Neither party may bind the other without written authorization.
Arbitration
Any dispute relating to:
- dealership participation,
- participation activation,
- operational participation pathways,
- finance office participation activity,
- participation administration,
- or this Agreement
shall be resolved through binding arbitration in the State of Georgia unless otherwise required by law.
The parties waive:
- jury trial rights,
- class actions,
- and consolidated proceedings,
except where prohibited by law.
Governing Law
This Agreement shall be governed by the laws of the State of Georgia.
Modifications
ReCapture™ reserves the right to:
- revise participation structures,
- revise operational procedures,
- revise participation pathways,
- update compliance requirements,
- and revise this Agreement.
Updated versions may be delivered electronically.
Continued dealership 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