Introduction

Welcome to our Carment payment platform (powered by Whillet Inc) that provides payment services to help you easily and securely speedy transfer funds to your clients. We understand that the world is becoming increasingly digital, and our platform is designed to meet the needs of modern businesses and individuals who want to quickly and efficiently send funds the same day or even faster..

Our Carment payment services are powered by cutting-edge technology and sophisticated security features to ensure that your money is always safe and secure. Our Carment platform is designed to be user-friendly, intuitive, and easy to use, with a simple and straightforward interface that makes it easy for you to manage your payments and transactions.

We offer a wide range of payment services to meet the needs of businesses and individuals alike, including ACH payments, real-time payments and push-to-debit card. Our platform is designed to be flexible and customizable, allowing you to choose the payment options that work best for your business or your client needs.

At our Carment payment platform, we take our responsibility to protect your privacy and data very seriously. We adhere to the highest industry standards for data privacy and security, and we are committed to ensuring that your personal and financial information is always kept safe and confidential.

We believe that payment services should be accessible to everyone, and we strive to provide our customers with the most affordable and competitive pricing options. We offer transparent pricing with no hidden fees or charges, so you can always know exactly what you're paying for.

Our platform is backed by a team of experienced payment experts and support staff who are available to answer your questions and provide assistance whenever you need it. We are committed to providing our customers with the highest level of service and support, and we pride ourselves on our ability to quickly and efficiently resolve any issues or concerns.

We are constantly innovating and improving our platform to better meet the evolving needs of our customers and the payment industry as a whole. We are committed to staying at the forefront of payment technology and providing our customers with the most advanced and innovative payment solutions available.

Thank you for choosing our fintech platform for your payment services needs. We are committed to providing you with the highest quality service and support, and we look forward to helping you securely and efficiently manage your payments and transactions.


Scope of Services

Carment platform provides you the following services:

1. Access service by using the Carment Web platform or by seamless API endpoints.
2. Manage car sell data and transactions
3. Manage buy-out cars payments
4. Transfer funds using various payment methods such as ACH same day, Real-time payments
5. Track, Top-up and Withdrawal Dealers balance
6. Payment APIs: Our platform provides robust payment APIs and developer tools that allow businesses to easily integrate our payment services into their existing systems and processes
7. Payment Security: Our platform is designed to be highly secure, with sophisticated fraud detection and prevention tools, encryption, and secure data storage

User Eligibility and Registration

User Eligibility:

• Age: To use our fintech platform, you must be at least 18 years old.

• Legal Status: You must have legal authority to enter into contracts and access financial services in the USA.

• Identification: To use our fintech platform, you must provide valid identification and other relevant information to verify your identity.

Registration Process:

• Create an Account: To register with our platform, first you need to request your demo account by providing your name, email address.

• Verify Identity for Company (KYB): To ensure the security of our platform and comply with regulatory requirements, we will ask you to verify your identity by providing valid identification documents and other relevant information. In order to activate your live account you must provide all required data as a part of Carment Customer Due Diligence for on the Complete Company Setup Wizard form, and other relevant information.

• Link Bank Account: To use our payment services, you must link a valid bank account to your account on our platform in order to top-up your Carment balance.

• Accept Terms and Conditions: You must accept our terms and conditions and agree to our privacy policy before using our platform, including terms and conditions our bank partners and other third-party partners.

• Complete KYC Process for all Beneficial Owners (with share more than 25%): We will ask you to complete a Know Your Customer (KYC) process to comply with regulatory requirements and verify your identity.

• Enable Two-Factor Authentication for payment transactions: We highly recommend enabling two-factor authentication via SMS One-time-password phone message (OTP) for each senior manager who is responsible for reviewing and approving each customer buyout and funds transfer. It helps to add an extra layer of security to your account.

• Start Using the Platform: Once your account is verified and set up, you can start using our payment services to send funds and manage your finances.

We are committed to maintaining the highest standards of security and compliance to ensure that our platform is safe and secure for all our users. If you have any questions or concerns about our registration process or eligibility requirements, please do not hesitate to contact us at [email protected] and [email protected]

User Conduct and Prohibited Activities

User Conduct:

• Compliance: You must comply with all applicable laws and regulations, as well as our terms and conditions and privacy policy.

• Accurate Information: You must provide accurate and complete information to us and update it as necessary.

• Unauthorized Access: You must not attempt to gain unauthorized access to our platform, systems, or networks.

• Misuse of Services: You must not misuse our payment services for any illegal or fraudulent activities.

• User Feedback: You may provide feedback on our payment services, but you may not use this as a forum for complaints or disputes with other users.

Prohibited Activities:

• Fraud: You must not engage in any fraudulent activities, including identity theft, impersonation, or phishing.

• Money Laundering: You must not use our payment services for money laundering or other illegal activities.

• Illegal Transactions: You must not use our payment services to conduct any illegal transactions or activities.

• Harassment: You must not harass, intimidate, or threaten other users or any third parties.

• Intellectual Property: You must not use our platform to infringe on the intellectual property rights of others.

• Malware and Hacking: You must not use our platform to distribute malware or engage in hacking or other security breaches.

• Prohibited Goods and Services: You must not use our payment services to purchase or sell prohibited goods or services, including weapons, drugs, and illegal pornography.

• False Advertising: You must not engage in false advertising or deceptive marketing practices.

• Violation of Export Controls: You must not violate any export controls or sanctions.

We take user conduct and prohibited activities very seriously and reserve the right to investigate any suspected violations and take appropriate actions, including account suspension or termination. If you have any questions or concerns about our user conduct and prohibited activities, please contact us for further information at [email protected] or [email protected]


Payment Processing

Carment platform payment processing contains the following steps:

• Initiation of Payment: The Dealer employee initiates a payment transaction by providing the recipient's details (car seller data, car details, car seller bank account information or debit card information) and the amount to be transferred.

• Verification of Payment: Our platform verifies the payment details, checks your balance, and ensures that the transaction complies with regulatory requirements.

• Compliance: We comply with all applicable laws and regulations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

• Authorization: Once the payment is verified, the Dealer senior manager authorizes the transaction by providing One-time-password, which is sent to their provided phone number.

• Payment Execution: Our platform processes the payment, debits your balance account, and credits the recipient's account by sending the request to one of our bank partners.

• Confirmation: We send a confirmation to both the Dealer senior manager and the recipient (car seller / car owner), providing details of the transaction, including the amount transferred and any fees charged.

• Dispute Resolution: In case of any disputes or discrepancies, our platform provides a dispute resolution process to resolve the issue. If you have any questions, please, contact us [email protected] or [email protected]

• Refunds: If a payment needs to be refunded, our platform currently doesn’t provide a refund process.  Please, contact us [email protected] or [email protected] to discuss possible options if it is still required

• Security: Our platform utilizes state-of-the-art encryption and security measures to ensure that all payments are processed securely and in compliance with regulatory requirements.

• Fees: Our platform charges fees for payment processing, which may vary depending on the type and amount of transaction.

We are committed to providing a fast, reliable, and secure payment processing service for all our users. If you have any questions or concerns about our payment processing process, please do not hesitate to contact us [email protected] or [email protected]


Fees and Payment Terms

Transaction Fees: Our platform charges a transaction fee for each payment processed. This fee may vary depending on the type and amount of the transaction.

Carment fees levels are defined based on individual agreements.

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Transaction Disputes and Chargebacks

• Dispute Resolution Process: Our Carment platform has been designed to provide the optimized secure steps such as two employees per transaction (created and approved by different individuals), One-time-password to approve transaction via phone message. However, if a dealer employee has a dispute regarding a payment processed through our platform, we provide a dispute resolution process to resolve the issue. The user must provide all necessary information and evidence to support their claim. Please, contact us [email protected] and [email protected]

• Chargebacks: If a dealer employee initiates a chargeback with their bank, our platform will provide all necessary information and evidence to support the payment transaction. We reserve the right to charge the user a chargeback fee to cover our costs in processing the dispute.

• Fraudulent Transactions: If a payment transaction is found to be fraudulent, we will work with the dealer employee and relevant authorities to investigate the matter and take appropriate action.

• Dispute Timeframes: Disputes must be submitted within a specified timeframe from the date of the transaction. Failure to submit a dispute within the specified timeframe may result in the dispute being rejected.

• Dispute Resolution Timeframes: Our platform will make every effort to resolve disputes in a timely and efficient manner. However, the resolution timeframe may vary depending on the complexity of the dispute.

• Chargeback Reversals: If a chargeback is reversed by the bank, we will credit the dealer's account for the amount of the chargeback, minus any applicable fees or charges.

• Chargeback Liability: The dealer senior manager is liable for any chargebacks initiated against their account, and we reserve the right to deduct the chargeback amount, plus any applicable fees or charges, from the dealer’'s account balance.

• Prevention of Disputes: Our platform provides users with tools and resources to prevent disputes, including fraud prevention measures and user education.

• Dispute Notification: Our Carment support team will notify the user of the outcome of the dispute resolution process in a timely manner.

We are committed to providing a fair and transparent dispute resolution process for all our users. If you have any questions or concerns about our transaction disputes and chargebacks policies, please contact us for further information [email protected] or [email protected]


Intellectual Property Rights

• Trademarks: All trademarks, logos, and service marks displayed on our platform are our property or the property of third parties. Users are not permitted to use any of these marks without our prior written consent.

• Copyrights: All content on our platform, including but not limited to text, graphics, logos, images, and software, is our property or the property of third parties. Users are not permitted to use any of this content without our prior written consent.

• User Content: Dealers retain ownership of any content they upload or submit to our platform, but they grant us a non-exclusive, worldwide, royalty-free license to use, copy, distribute, and display their content on our platform.

• Infringement Claims: If a dealer employee believes that their intellectual property rights have been infringed on our platform, they may submit a claim to us. We will investigate the claim and take appropriate action, including removing the infringing content from our platform.

• User Liability: Dealers employees  are responsible for ensuring that any content they upload or submit to our platform does not infringe the intellectual property rights of others. Users who violate these rights may be liable for damages and/or subject to legal action.

• Platform Modifications: We reserve the right to modify, remove, or add content to our platform at any time, including any intellectual property owned by us or third parties.

• License Restrictions: Users are not permitted to copy, modify, distribute, or reverse engineer any software or other intellectual property owned by us or third parties without our prior written consent.

• DMCA Compliance: Our platform complies with the Digital Millennium Copyright Act (DMCA), and we will respond to any DMCA takedown notices in accordance with the law.

• Confidentiality: We will maintain the confidentiality of any intellectual property owned by our users and will not disclose it to third parties without the user's consent.

We respect the intellectual property rights of our users and third parties, and we expect our users to do the same. If you have any questions or concerns about our intellectual property rights policies, please contact us for further information [email protected] or [email protected].


Data Privacy and Security

• User Data Collection: We collect and use user data only for the purpose of providing payment services and improving our platform. We do not sell or share user data with third parties for marketing purposes.

• User Consent: We obtain user consent before collecting any personal data, and we only collect data that is necessary for providing payment services.

• Data Security: We take reasonable measures to secure user data and prevent unauthorized access, use, or disclosure. This includes using encryption technology, firewalls, and access controls.

• Data Storage: User data is stored securely and only for as long as necessary to provide payment services. We adhere to data retention policies and dispose of data securely when it is no longer needed.

• Data Sharing: We only share user data with third parties when necessary to provide payment services or comply with legal obligations. We ensure that all third parties have appropriate data protection measures in place.

• Data Access: Users have the right to access and correct their personal data, as well as request deletion of their data. We respond to these requests promptly and ensure that all data is removed securely.

• Compliance: We comply with all applicable data privacy and security laws, including the California Consumer Privacy Act (CCPA).

• Employee Training: Our employees undergo regular training on data privacy and security to ensure that they understand the importance of protecting user data.

• Incident Response: We have a documented incident response plan in place to handle any data breaches or security incidents that may occur. This includes promptly notifying users and authorities when necessary.

• Privacy Policy: We maintain a comprehensive privacy policy that clearly explains how we collect, use, and protect user data. Users are required to accept our privacy policy before using our payment services.

We take data privacy and security seriously and are committed to protecting our users' data. If you have any questions or concerns about our data privacy and security measures, please contact us for further information [email protected] or [email protected].


Confidentiality

• Non-Disclosure Agreement: We require all employees, contractors, and third-party service providers to sign a non-disclosure agreement (NDA) before accessing any confidential information.

• Confidential Information Definition: We define confidential information as any information that is not publicly available and could harm the business if disclosed. This includes user data, financial information, and business strategies.

• Access Controls: We limit access to confidential information to only those employees, contractors, and third-party service providers who require access to perform their job duties.

• Physical Security: We secure physical access to our servers and data centers, as well as all electronic devices used to access confidential information.

• Encryption: We use encryption technology to protect all confidential information during transmission and storage.

• Incident Response: We have a documented incident response plan in place to handle any breaches of confidentiality. This includes promptly notifying affected parties and authorities when necessary.

• Third-Party Confidentiality: We require all third-party service providers to sign an NDA and implement appropriate measures to protect confidential information.

• Training: All employees, contractors, and third-party service providers undergo regular training on confidentiality and data protection.

• Confidentiality Agreements: We require all users of our payment services to agree to our confidentiality policy before using our platform.

We take confidentiality seriously and are committed to protecting our users' confidential information. If you have any questions or concerns about our confidentiality measures, please contact us for further information [email protected] or [email protected].


Disclaimers and Limitations of Liability

• No Liability for User Conduct: We do not accept any liability for the conduct of our users or any third-party service providers that they use in connection with our platform.

• No Endorsement of Third-Party Products or Services: We do not endorse or recommend any third-party products or services that may be advertised on our platform.

• No Guarantee of Service Availability: We do not guarantee uninterrupted or error-free access to our platform and are not liable for any losses or damages that may result from service interruptions.

• No Liability for Security Breaches: We do not accept liability for any losses or damages that may result from security breaches, including unauthorized access to our users' accounts or personal information.

• No Liability for Force Majeure Events: We are not liable for any losses or damages that may result from events outside of our control, such as natural disasters or acts of terrorism.

• No Liability for Loss of Data: We are not liable for any losses or damages that may result from the loss or corruption of data, including financial data or other confidential information.

• No Liability for User Content: We are not liable for any user-generated content that may be uploaded to our platform, including any errors, omissions, or inaccuracies.

• Limitation of Liability: Our liability is limited to the amount paid by the user for our payment services, and we are not liable for any indirect, incidental, or consequential damages.

• Indemnification: Users agree to indemnify us and hold us harmless from any losses, damages, or expenses arising from their use of our platform.

• Disclaimer of Warranties: We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any information or services provided on our platform.

We take our responsibility to our users seriously and strive to provide a safe and reliable platform for payment services. However, we also recognize the need for disclaimers and limitations of liability to protect our business and our users. If you have any questions or concerns about our disclaimers and limitations of liability, please contact us for further information  [email protected] or [email protected].



Warranties and Representations

• Compliance with Applicable Laws: We warrant that our platform and payment services comply with all applicable laws and regulations.

• Accuracy of Information: We represent that all information provided on our platform is accurate, complete, and up-to-date.

• Security of Transactions: We represent that all payment transactions processed through our platform are secure and comply with industry-standard security protocols.

• Availability of Support: We represent that we will provide timely and effective support to users experiencing issues with our platform or payment services.

• Ownership of Intellectual Property: We warrant that we own or have the necessary licenses to use all intellectual property rights associated with our platform and payment services.

• Non-Infringement: We represent that our platform and payment services do not infringe on any third-party intellectual property rights.

• No Misrepresentations: We warrant that we will not make any false or misleading representations about our platform or payment services.

• User Authorization: We represent that we have obtained all necessary authorizations from users to process payment transactions through our platform.

• Confidentiality: We warrant that we will maintain the confidentiality of all user data and personal information in accordance with applicable laws and industry standards.

• Quality of Services: We represent that our payment services will be provided in a professional and competent manner.

It is important for us to provide clear and accurate warranties and representations to our users to build trust and confidence in our platform and payment services. If you have any questions or concerns about our warranties and representations, please contact us for further information [email protected] or [email protected].

Indemnification

• User Indemnification: Users agree to indemnify and hold us harmless from any claims, damages, or liabilities arising from their use of our platform or payment services.

• Third-Party Indemnification: We agree to indemnify and hold users harmless from any claims, damages, or liabilities arising from our negligence or willful misconduct in providing payment services.

• Intellectual Property Indemnification: We agree to indemnify and hold users harmless from any claims, damages, or liabilities arising from any infringement of third-party intellectual property rights associated with our platform or payment services.

• Unauthorized Access Indemnification: We agree to indemnify and hold users harmless from any claims, damages, or liabilities arising from any unauthorized access to their account or payment information.

• Compliance Indemnification: We agree to indemnify and hold users harmless from any claims, damages, or liabilities arising from any failure to comply with applicable laws or regulations related to our platform or payment services.

• Limitation of Liability: We limit our liability for any claims, damages, or liabilities arising from our platform or payment services to the fees paid by the user for the use of our services.

• Notification of Claims: Users agree to notify us promptly of any claims, damages, or liabilities arising from their use of our platform or payment services.

• Defense of Claims: We reserve the right to defend any claims, damages, or liabilities arising from our platform or payment services and to choose counsel to represent us in such defense.

• Cooperation: Users agree to cooperate with us in the defense of any claims, damages, or liabilities arising from their use of our platform or payment services.

• Mitigation of Damages: Users agree to take reasonable steps to mitigate any damages resulting from their use of our platform or payment services.

It is important for us to include comprehensive indemnification clauses in our terms of service to protect both ourselves and our users in the event of any legal disputes or issues. If you have any questions or concerns about our indemnification clauses, please contact us for further information [email protected] or [email protected].

Termination and Suspension of Services

• Termination by Dealers: Dealers may terminate their use of the Carment platform payment services at any time by providing notice to the platform. Any fees or charges paid in advance will not be refunded unless otherwise required by law.

• Termination by Platform: The platform may terminate or suspend a dealer's access to the services at any time and for any reason, including but not limited to violation of the terms of service, illegal or fraudulent activities, or failure to pay fees or charges. The platform may also terminate the services or any part thereof, without notice, at any time and for any reason.

• Effect of Termination: Upon termination of the services, all rights granted to the user under the terms of service will immediately cease. The dealer must immediately cease all use of the services and the platform's intellectual property. The platform will not be liable to the dealer or any third party for any damages or losses arising out of termination of the services.

• Suspension of Services: The platform may suspend the services or any part thereof, without notice, at any time and for any reason, including but not limited to maintenance, upgrade, or system failure. The platform will make reasonable efforts to restore the services as soon as possible. The platform will not be liable to the user or any third party for any damages or losses arising out of suspension of the services.

• Right to Monitor: The platform reserves the right to monitor user activity on the services for compliance with the terms of service, as well as for security and fraud prevention purposes.

• Right to Modify or Discontinue Services: The platform reserves the right to modify or discontinue the services or any part thereof at any time and for any reason, with or without notice. The platform will not be liable to the user or any third party for any damages or losses arising out of modification or discontinuation of the services.

• Right to Terminate for Illegal or Fraudulent Activities: The platform reserves the right to terminate the services or any part thereof and report any illegal or fraudulent activities to the appropriate authorities.

• Reinstatement of Services: The platform may reinstate a dealer's access to the services at its sole discretion, subject to the dealer's compliance with the terms of service and payment of any outstanding fees or charges.

• Governing Law and Jurisdiction: The terms of service will be governed by and construed in accordance with the laws of the jurisdiction in which the platform is registered. Any disputes arising out of or related to the terms of service or the services will be resolved in the appropriate jurisdiction.

Amendments and Modifications

We may, at our sole discretion, modify, amend, or update these terms of service at any time without prior notice. It is your responsibility to review these terms periodically for any updates or changes. By continuing to use our platform after any changes to these terms have been made, you are indicating your acceptance of the revised terms. We reserve the right to modify, suspend, or terminate any of the services provided on our platform at any time and without prior notice. We will not be liable to you or any third party for any modification, suspension, or termination of services.

If we make material changes to these terms of service, we will notify you by email or by posting a notice on our platform. Your continued use of our platform after any such changes are made will constitute your acceptance of the revised terms.

You acknowledge and agree that we may make changes to the platform, including adding or removing features or functionalities, at any time without prior notice to you. We may also temporarily or permanently suspend or discontinue any aspect of the platform, including access to certain features or functionalities, without liability to you or any third party.

In the event that any provision of these terms of service is deemed invalid or unenforceable, such provision shall be deemed severable from the rest of these terms, which shall remain in full force and effect.

We reserve the right to assign or transfer these terms of service, in whole or in part, to any third party at any time without notice to you. You may not assign these terms of service or any of your rights or obligations under these terms without our prior written consent.

Any failure by us to enforce any provision of these terms of service shall not be construed as a waiver of any provision or right.

These terms of service, along with our privacy policy and any additional agreements you may enter into with us, constitute the entire agreement between you and us and supersede any prior or contemporaneous communications and proposals, whether oral or written, between you and us. These terms of service shall be governed by and construed in accordance with the laws of the USA, without regard to its conflict of laws principles.

Any legal action, suit or proceeding arising out of or relating to these terms of service shall be instituted exclusively in the federal or state courts located in the USA, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action, suit or proceeding.

Notices and Communications

The following provisions govern how we communicate with you:

• Method of communication: We will communicate with you primarily through email. It is your responsibility to provide and maintain a valid email address with us. We may also communicate with you through other means such as telephone.

• Electronic Communications: You agree that all communications and notices from us may be provided to you electronically, either by email. You acknowledge that electronic communications may not be secure and may be subject to interception or loss. We will not be liable for any loss or damage arising from the interception or loss of electronic communications.

• Opt-out: You may opt-out of receiving marketing communications from us by following the instructions included in the communication or by contacting us at the email address provided in the terms of service. Please note that even if you opt-out of receiving marketing communications, we may still send you service-related communications.

• Notices: All notices from us to you will be deemed effective upon delivery to the email address you provided during registration or as updated by you from time to time.

• Governing Law: This section shall be governed by and construed in accordance with the laws of the jurisdiction in which we are headquartered.

• Amendments: We may amend or modify this section at any time by posting the amended terms on our website. Your continued use of our services after any such amendments will constitute your acceptance of such amendments.

If you have any questions or concerns regarding this section, please contact us at the email address provided in the terms of service [email protected] or [email protected].


Force Majeure

The Whillet Inc company shall not be held liable or responsible for any failure or delay in performing its obligations under these terms of service if such failure or delay is caused by circumstances beyond its reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes or shortages of transportation facilities, fuel, energy, labor or materials.

In the event of any such delay or failure, the company shall use reasonable efforts to promptly notify affected users and take reasonable steps to mitigate the impact of such delay or failure on the provision of the services. The Whillet Inc company shall have the right to extend the time for performance of its obligations under these terms of service for a period equal to the time lost due to such delay or failure.

The company shall not be liable for any damages arising out of or in connection with any delay or failure caused by such circumstances. In the event of a force majeure event, the company shall have the right to terminate these terms of service without liability to the affected users.

The affected users shall also be excused from any performance obligations under these terms of service during the period of delay or failure caused by such circumstances, to the extent that such obligations are affected by such delay or failure.

The company shall use commercially reasonable efforts to resume performance of its obligations under these terms of service as soon as practicable after the cessation of the circumstances causing the delay or failure.

Conclusion

By accessing or using Carment platform payment services powered by Whillet Inc, you agree to be bound by Whillet Inc Terms of Service. These Terms of Service govern your use of the platform and all of its features and functionalities. We strive to provide you with a secure, reliable, and efficient payment processing service, and we expect all users to comply with our Terms of Service. By agreeing to these terms, you acknowledge that you have read and understood our policies, including our privacy policy, and that you consent to the collection, use, and disclosure of your personal information as described therein. We reserve the right to modify or amend these Terms of Service at any time, without prior notice, and your continued use of the platform following any such modifications or amendments constitutes your acceptance of the revised terms. If you have any questions or concerns about our Terms of Service, please contact us [email protected] or [email protected]


Partners Terms of Service agreement

Business Verified Customer Record (Car Dealerships)

In order to use the payment functionality of our application, you must open a “Dwolla Account” provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in or transferred through your Dwolla Account are held or transferred by Dwolla’s financial institution partners. You must be at least 18 years old to create a Dwolla Account. You authorize us to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla Account through our application, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla Account activity, and can be reached at carment.com, [email protected] or [email protected].

Receive Only Language (Sellers and Lenders)

If you register to create an account to receive payments via our application, you expressly authorize Whillet Inc’s service provider, Dwolla, Inc. to originate credit transfers to your financial institution account. You must be at least 13 years old and obtain parental permission if under 18 to receive funds. You authorize us to collect and share with Dwolla your personal information including full name, email address and financial information, and you are responsible for the accuracy and completeness of that data. Dwolla’s Privacy Policy is available here.