DepositLink

CONSUMER DISCLOSURE STATEMENT

Electronic Fund Transfer Act Disclosures

DepositLink, Inc.
540 Gallivan Blvd, Suite 205
Boston, MA 02124

Effective Date: April 13, 2026

This Consumer Disclosure Statement describes your rights and responsibilities when you use the DepositLink platform (the "Platform") to make electronic fund transfers. This statement is required by federal law (the Electronic Fund Transfer Act, 15 U.S.C. § 1693 et seq., and Regulation E, 12 C.F.R. Part 1005).

PLEASE READ THIS DOCUMENT CAREFULLY AND KEEP IT FOR YOUR RECORDS.

1. TYPES OF ELECTRONIC FUND TRANSFERS AVAILABLE

You may use the Platform to make the following types of electronic fund transfers from your bank account:
1. 1.1. One-Time ACH Transfers: You may authorize us to initiate a one-time ACH (Automated Clearing House) debit from your bank account to send payment to a real estate brokerage, property manager, or landlord for:
  - Escrow deposits
  - Earnest money
  - Security deposits
  - Rental payments
  - Application fees
  - Other real estate-related payments
2. 1.2. Recurring ACH Transfers: If you set up recurring payments (such as monthly rent), you authorize us to initiate ACH debits from your bank account on a recurring schedule without requiring your authorization for each individual payment.
3. 1.3. Payment Processing: All electronic fund transfers are processed a third- party payment processor. Your bank account information is verified using a third-party service.
2. FEES
1. 2.1. Processing Fee: We charge a standard flat rate processing fee for each payment you make through the Platform. This fee is charged at the time you authorize the payment and is deducted from your bank account along with the payment amount.
2. 2.2. Non-Refundable Fee: The processing fee is non-refundable, even if your payment fails after the fee has been charged. If your payment fails during initial verification before the transaction is submitted to your bank, no processing fee will be charged.
3. 2.3. Third-Party Fees: Your bank may charge you fees for ACH transactions, overdrafts, insufficient funds, or other account-related services. We do not control or receive any portion of your bank's fees. Contact your bank for information about its fee schedule.
4. 2.4. No Additional Fees: We do not charge any fees beyond the processing fee collected per transaction.
3. TRANSACTION LIMITS
1. 3.1. Per-Transaction Limits: Transaction limits may be imposed by your bank, by Dwolla (our payment processor), or based on fraud prevention and risk management policies. You will be notified if a transaction exceeds applicable limits.
2. 3.2. Daily and Monthly Limits: Daily and monthly transaction limits may apply based on your account verification status and transaction history.
4. YOUR RIGHT TO STOP PAYMENT
1. 4.1. One-Time Payments: Once you have authorized a one-time payment, you cannot stop the payment through DepositLink. You may be able to stop payment by contacting your bank directly. Your bank may charge you a fee for stop payment requests. If you stop payment on a transaction you authorized, you may remain liable to us or the payment recipient for the payment amount and any resulting damages, costs, fines, fees, and expenses, including reasonable attorneys' fees and costs.
2. 4.2. Recurring Payments: You may stop any recurring payment by logging into your account on the Platform and canceling the recurring payment schedule, or by contacting us at support@depositlink.com. You must cancel at least three (3) business days before the next scheduled payment date. If you do not provide sufficient advance notice, we may not be able to stop the next scheduled payment, but we will stop all future payments.
5. DOCUMENTATION OF ELECTRONIC FUND TRANSFERS
1. 5.1. Confirmation Emails: We will send you a confirmation email immediately after you authorize a payment. This email will include the payment amount, processing fee, total amount debited from your account, the date you authorized the payment, and the expected date of the debit.
2. 5.2. Transaction History: You may view your complete payment history by logging into your account on the Platform.
3. 5.3. No Periodic Statements: We do not provide periodic account statements. You must review your transaction history online and review your bank statements to verify that transfers were completed correctly.
4. 5.4. Your Bank Statement: Your bank will include our transactions on your regular bank statement. Transactions will typically appear on your statement as "DepositLink" or "Dwolla."
6. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
1. 6.1. Notify Us Immediately: If you believe your access credentials have been compromised or that someone has made or may make an unauthorized transfer from your bank account using the Platform, contact us immediately at:
  
  Phone: (424)-361-6558 Monday–Friday 9:00 AM–9:00 PM Eastern Time, and Saturday–Sunday 11:00 AM–3:00 PM Eastern Time.
  Email: support@depositlink.com
2. 6.2. Your Liability: In compliance with the Electronic Fund Transfer Act (EFTA) as implemented in Regulation E (12 C.F.R. §1005.6), your liability for unauthorized electronic fund transfers depends on how quickly you notify us:
  - If you notify us within 2 business days after you learn of the loss or theft of your access credentials or of any unauthorized transfer: Your maximum liability is $50.
  - If you fail to notify us within 2 business days after you learn of the loss or theft: You could lose as much as $500.
  - If your bank statement shows unauthorized transfers and you do not notify us within 60 days after the statement was sent to you: You may not get back any money you lost after the 60 days if we can prove that we could have stopped the unauthorized transfers if you had notified us in time.
3. 6.3. Additional Protection: If a good reason (such as a long trip or hospital stay) prevents you from notifying us, we will extend the time periods specified above to a reasonable period.
4. 6.4. Zero Liability in Certain Cases: Under certain circumstances, such as if the unauthorized transfer was caused by our failure to properly safeguard your account information, you may have zero liability.
7. REPORTING ERRORS
1. 7.1. What Qualifies as an Error: Contact us immediately if you believe:
  - An unauthorized electronic fund transfer has been made from your account
  - An incorrect amount of money has been removed from your account
  - A transfer is missing from your transaction history or bank statement
  - You received an incorrect confirmation email or statement
  - You need more information about a transfer
  - You have any other concerns about an electronic fund transfer
2. 7.2. How to Report an Error: Contact us by:
  
  Phone: (424)-361-6558
  Email: support@depositlink.com
  Mail: DepositLink, Inc., 540 Gallivan Blvd, Suite 205, Boston, MA 02124
3. 7.3. Time Limit for Reporting: You must contact us no later than 60 days after the date we sent the first statement or confirmation that showed the error or problem.
4. 7.4. Information We Need: When you contact us, please provide:
  1. 1. Your name and account information
  2. 2. A description of the error or transfer you are unsure about
  3. 3. The dollar amount of the suspected error
  4. 4. An explanation of why you believe there is an error or why you need more information
5. 7.5. What We Will Do:
  - We will investigate your claim within 10 business days after we hear from you.
  - We will notify you of the results within 3 business days after completing our investigation.
  - If we determine that there was an error, we will correct it within 1 business day after determining that an error occurred.
  - If we need more time to investigate: We will take up to 45 days to investigate your claim (or up to 90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transaction). Within 10 business days after we hear from you, we will provisionally credit your account for the amount you believe is in error, so you will have use of the money during our investigation (unless exceptions apply).
  - If we determine that there was no error: We will send you a written explanation within 3 business days after completing our investigation. If we provided a provisional credit, we may remove it, and we will notify you of the date and amount of the debit.
8. OUR LIABILITY FOR FAILURE TO COMPLETE TRANSFERS
1. 8.1. When We Are Liable: If we do not complete a transfer to or from your account on time or in the correct amount according to these terms, we will be liable for your losses or damages. However, we will NOT be liable in the following circumstances:
  - Insufficient Funds: Your bank account does not have enough money to complete the transfer.
  - Account Restrictions: Your account is frozen, closed, or subject to legal restrictions.
  - Technical Problems: The Platform or payment processor systems were not working properly, and you knew about the problem when you started the transfer.
  - Circumstances Beyond Our Control: The transfer was prevented by circumstances beyond our control (such as fire, flood, power outage, equipment failure, or labor dispute), despite reasonable precautions we have taken.
  - Your Bank's Actions: Your bank refused to accept the transfer or delayed processing.
  - Third-Party Processor Delays: Delays caused by Dwolla, Plaid, or other third-party payment processors.
  - ACH Network Issues: Problems with the ACH network or banking system that are beyond our control.
  - Your Errors: You provided incorrect account information, routing numbers, or payment details.
  - Stop Payment: You requested a stop payment through your bank.
  - Fraud or Security Concerns: We suspected fraud, unauthorized access, or other security concerns and delayed or blocked the transfer to protect you or comply with law.
2. 8.2. No Guarantee of Timing: We do not guarantee the timing of any transfer. ACH transfers typically take 1-3 business days to debit your account and another 1-3 business days to credit the recipient's account, but we are not liable for delays caused by the banking system or payment processors.
9. CONFIDENTIALITY
1. 9.1. Information We May Disclose: We will disclose information about your account or the transfers you make in the following circumstances:
  - As necessary to complete transfers
  - To verify the existence and status of your account for a third party (such as a credit bureau or merchant)
  - To comply with government agency or court orders
  - If you give us your written permission
  - To our employees, auditors, service providers, or attorneys as needed to operate the Platform
  - To investigate or resolve errors, disputes, or unauthorized transactions
2. 9.2. Privacy Policy: Our full Privacy Policy, available at https://app.depositlink.com/terms?type=privacy, provides additional information about how we collect, use, and protect your personal information.
10. PREAUTHORIZED TRANSFERS FROM YOUR ACCOUNT
1. 10.1. Right to Receive Notice: If you have authorized recurring payments (such as monthly rent), the payment recipient or we will notify you at least 10 days before the date and amount of each scheduled payment if the payment will vary from the previously scheduled payment amount. If the payment amount will be the same as previously authorized, you will not receive advance notice of each recurring payment.
2. 10.2. Right to Stop Payment: You have the right to stop any recurring payment. See Section 4 (Your Right to Stop Payment) for instructions.
3. 10.3. Notice to Financial Institution: If you have told us to make recurring payments from your account, you should notify your bank or credit union as well if you want to stop payment. Your bank may require written confirmation of a stop payment request within 14 days.
4. 10.4. Bank's Responsibility: If you order your bank to stop payment at least 3 business days before the scheduled transfer date, and your bank does not stop the payment, your bank is liable for your losses or damages.
11. BUSINESS DAYS

For purposes of these disclosures, our business days are Monday through Friday, excluding federal holidays. Federal holidays include New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Thanksgiving Day and the Day after Thanksgiving, and Christmas Day.
12. CONTACT INFORMATION

If you have any questions about your electronic fund transfers or need to report an unauthorized transaction or error, contact us:

DepositLink, Inc.
540 Gallivan Blvd, Suite 205
Boston, MA 02124

Phone: (424) 361-6558
Email: support@depositlink.com
Website: www.depositlink.com

Support Hours: Monday–Friday 9:00 AM–9:00 PM Eastern Time, and Saturday–Sunday 11:00 AM–3:00 PM Eastern Time. (excluding major holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Thanksgiving Day and the Day after Thanksgiving, and Christmas Day)
13. CHANGE IN TERMS

We may change the terms and conditions of this Disclosure Statement at any time. We will notify you at least 21 days before the effective date of any change by sending you an email or posting a notice on the Platform. If you do not agree to the changes, you may stop using the Platform before the changes take effect.
14. ADDITIONAL CONSUMER PROTECTIONS
1. 14.1. State Law: You may have additional rights under state law. This Disclosure Statement does not limit any rights you may have under applicable state laws.
2. 14.2. Consumer Financial Protection Bureau: If you believe we have violated your rights under the Electronic Fund Transfer Act or Regulation E, you may file a complaint with:
3. 14.3. Consumer Financial Protection Bureau:
  P.O. Box 4503
  Iowa City, IA 52244
  Phone: (855) 411-2372
  Website: www.consumerfinance.gov/complaint
15. ACKNOWLEDGMENT

By using the Platform, you acknowledge that you have received and read this Consumer Disclosure Statement and that you understand your rights and responsibilities regarding electronic fund transfers.

KEEP THIS DOCUMENT FOR YOUR RECORDS.