ReCapture™ Terms of Use

Effective Date: May 4, 2026
Company: ReCapture Financial, Inc.
Website: JoinReCapture.com

Terms of Use

These Terms of Use (“Terms”) govern access to and use of:

  • ReCapture™ websites,
  • dashboard systems,
  • participation portals,
  • mobile experiences,
  • communication systems,
  • and related services operated by ReCapture Financial, Inc. (“ReCapture™,” “Company,” “we,” “our,” or “us”).

By accessing or using any ReCapture™ website, portal, or service, you agree to these Terms.

If you do not agree to these Terms, you should not use ReCapture™ websites or services.

Websites Covered By These Terms

These Terms apply to:

  • joinrecapture.com,
  • carbarrage.com,
  • rent-break.com,
  • eat4free.net,
  • advisoready.com,
  • future ReCapture™ program websites,
  • dashboard systems,
  • participation portals,
  • and related online services.

Eligibility

By using ReCapture™ websites or services, you represent that:

  • you are legally capable of entering binding agreements,
  • information you provide is accurate,
  • and your use complies with applicable laws.

ReCapture™ reserves the right to:

  • restrict access,
  • suspend access,
  • or terminate access
    at its discretion.

Financial Participation Membership Programs

Certain areas of ReCapture™ websites may relate to:

  • membership participation,
  • underwriting,
  • participation tracking,
  • dashboard access,
  • payment coordination,
  • participation credits,
  • and participation-based benefit pathways.

Additional agreements may apply, including:

  • Membership Agreements,
  • Program Addendums,
  • ACH Authorizations,
  • Refund Policies,
  • Privacy Policies,
  • and related participation disclosures.

Website Content

All website content is provided for:

  • informational purposes,
  • participation administration,
  • operational communications,
  • and program-related services.

Website content may include:

  • program descriptions,
  • participation examples,
  • educational materials,
  • calculators,
  • graphics,
  • videos,
  • forms,
  • disclosures,
  • and dashboard information.

ReCapture™ reserves the right to:

  • modify content,
  • remove content,
  • suspend functionality,
  • or update website materials
    without notice.

No Financial Advice

ReCapture™ does not provide:

  • legal advice,
  • tax advice,
  • accounting advice,
  • securities advice,
  • investment advisory services,
  • or guaranteed financial outcome advice.

Members should consult independent professionals regarding:

  • financial decisions,
  • tax matters,
  • legal matters,
  • and investment decisions.

Intellectual Property

All ReCapture™ materials, including:

  • branding,
  • trademarks,
  • logos,
  • graphics,
  • software,
  • designs,
  • videos,
  • written content,
  • participation structures,
  • and website materials
    are owned by or licensed to ReCapture Financial, Inc.

Protected materials include:

  • ReCapture™,
  • CrowdPays®,
  • CarBarrage™,
  • Rent-Break™,
  • Eat4Free™,
  • AdvisorReady™,
  • and related proprietary systems.

Unauthorized use is prohibited.

Prohibited Conduct

Users agree not to:

  • submit fraudulent information,
  • interfere with website operations,
  • attempt unauthorized access,
  • distribute malware,
  • scrape website data,
  • automate unauthorized access,
  • impersonate others,
  • violate laws,
  • abuse participation systems,
  • or misuse dashboard functionality.

ReCapture™ reserves the right to:

  • investigate violations,
  • suspend access,
  • terminate accounts,
  • restrict participation,
  • and pursue available legal remedies.

User Accounts & Dashboard Access

Certain services may require:

  • account registration,
  • dashboard access,
  • participation credentials,
  • or identity verification.

Users are responsible for:

  • maintaining account confidentiality,
  • safeguarding passwords,
  • maintaining accurate information,
  • and monitoring account activity.

ReCapture™ may suspend or terminate access due to:

  • inactivity,
  • fraud concerns,
  • policy violations,
  • unauthorized activity,
  • or participation issues.

Electronic Communications

By using ReCapture™ websites or services, you consent to receive:

  • electronic communications,
  • emails,
  • dashboard notices,
  • operational alerts,
  • participation notifications,
  • and SMS communications where authorized.

Electronic communications satisfy legal requirements that communications be provided in writing.

Third-Party Services

ReCapture™ may utilize:

  • payment processors,
  • banks,
  • hosting providers,
  • software vendors,
  • ACH processors,
  • communication providers,
  • analytics systems,
  • and other third-party providers.

ReCapture™ is not responsible for:

  • third-party outages,
  • processor interruptions,
  • banking delays,
  • communication failures,
  • or external service disruptions.

Website Availability

ReCapture™ does not guarantee:

  • uninterrupted website availability,
  • uninterrupted dashboard access,
  • error-free functionality,
  • or uninterrupted communications.

Systems may experience:

  • maintenance,
  • upgrades,
  • outages,
  • interruptions,
  • or technical limitations.

Participation Disclaimers

Participation in ReCapture™ programs does not guarantee:

  • financial gain,
  • participation approval,
  • participation benefits,
  • payoff assistance,
  • debt elimination,
  • lender approval,
  • or future participation eligibility.

Program participation remains subject to:

  • underwriting,
  • participation requirements,
  • Good Standing,
  • verification,
  • and applicable program rules.

Limitation of Liability

To the maximum extent permitted by law, ReCapture Financial, Inc., CrowdPays®, affiliates, contractors, vendors, administrators, and service providers shall not be liable for:

  • indirect damages,
  • incidental damages,
  • consequential damages,
  • participation interruptions,
  • dashboard outages,
  • website interruptions,
  • lost data,
  • processor failures,
  • or third-party service failures.

Use of ReCapture™ websites and services occurs at the user’s own discretion.

Indemnification

Users agree to indemnify and hold harmless ReCapture Financial, Inc., CrowdPays®, affiliates, officers, employees, contractors, and service providers from claims arising from:

  • misuse of services,
  • policy violations,
  • fraudulent conduct,
  • unlawful activity,
  • or violation of these Terms.

Arbitration Agreement

Any dispute relating to:

  • website use,
  • dashboard access,
  • participation systems,
  • online services,
  • or these Terms
    shall be resolved through binding arbitration in the State of Georgia unless otherwise required by law.

Users waive:

  • jury trial rights,
  • class actions,
  • and consolidated proceedings,
    except where prohibited by law.

Governing Law

These Terms shall be governed by the laws of the State of Georgia.

Severability

If any provision of these Terms is determined unenforceable, the remaining provisions shall remain enforceable.

Modifications

ReCapture™ reserves the right to:

  • update these Terms,
  • revise website policies,
  • modify operational procedures,
  • or change website functionality.

Updated Terms may be posted electronically.

Continued use constitutes acceptance of revised Terms.

Contact Information

ReCapture Financial, Inc.
support@JoinReCapture.com
JoinReCapture.com