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DEPOSITLINK CONSUMER END-USER TERMS

Last Updated: April 13, 2026


WELCOME TO DEPOSITLINK

These Consumer End-User Terms (these "Terms") govern your use of the DepositLink platform (the "Platform") to submit electronic payments related to real estate transactions. Please read these Terms carefully before using the Platform.

By clicking "I Agree," creating an account, or submitting a payment through the Platform, you expressly agree to be bound by these Terms and you authorize us and our payment processors to initiate ACH transactions from your bank account as described in these Terms.. If you do not agree to these Terms, you must not use the Platform.

  1. 1. WHO WE ARE

    DepositLink, Inc. ("DepositLink," "we," "us," or "our") provides a technology platform that enables real estate brokerages, property managers, and landlords to collect electronic payments from consumers like you. We are a technology provider, not a bank or payment processor.

    1. 1.1. Our Role: We provide the software interface that connects you to third-party payment processors who actually move your money. We do not hold, store, or transmit your funds.

    2. 1.2. Payment Processing: 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 payments are processed by Dwolla, Inc., a licensed payment processor. By using the Platform, you also agree to Dwolla's Terms of Service, which are available at [https://www.dwolla.com/legal/dwolla-account-terms-of-service].

  2. 2. WHO CAN USE THE PLATFORM

    You may use the Platform only if:

    1. 1. You are at least 18 years old

    2. 2. You are a resident of the United States

    3. 3. You have a valid U.S. bank account in your name

    4. 4. You are legally authorized to make payments from your bank account

    5. 5. You are not prohibited from using ACH payment services under applicable law

  3. 3. WHAT YOU CAN USE THE PLATFORM FOR

    You may use the Platform to submit payments related to real estate transactions, including:

    1. 1. Escrow deposits for home purchases

    2. 2. Earnest money deposits

    3. 3. Rental application fees

    4. 4. Security deposits for rental properties

    5. 5. First and last month's rent payments

    6. 6. Other real estate-related payments requested by the real estate brokerage or property owner

    You must not use the Platform to:

    1. 1. Make any payment for illegal purposes

    2. 2. Make fraudulent or unauthorized payments

    3. 3. Submit payments from accounts that are not in your name

    4. 4. Attempt to manipulate, hack, or circumvent Platform security

    5. 5. Violate any applicable law or regulation

  4. 4. HOW PAYMENT WORKS

    1. 4.1 Step by Step Process:

      1. Step 1: Receive Payment Request

        1. A real estate broker, agent, or property manager will send you a payment request through the Platform. You will receive this request by email or text message.

      2. Step 2: Connect Your Bank Account

        1. You will need to securely connect your U.S. bank account using a third-party service that enables bank account connections. DepositLink does not store your bank login credentials.

      3. Step 3: Authorize Payment

        1. You will review the payment details and expressly authorize the ACH payment transaction. By authorizing the payment, you confirm that: (a) you have the authority to authorize ACH debits from the specified bank account, (b) the payment is authorized by you, and (c) you understand this authorization will result in an ACH debit from your account.. Once authorized, the payment will be processed through the ACH (Automated Clearing House) network.

      4. Step 4: Payment Processing

        1. Your payment will typically be debited from your bank account within 1-3 business days. The receiving party (the brokerage or property owner) will receive the funds within 1-3 business days after your account is debited.

    2. 4.2. Processing Fee: You will be charged a non-refundable processing fee when you submit a payment through the Platform. This fee is in addition to the payment amount you are sending.

  5. 5. AUTHORIZATION AND CONSENT

    1. 5.1. Payment Authorization: By submitting a payment through the Platform, you authorize:

      1. 1. DepositLink and Dwolla to initiate one or more ACH debit transactions from your designated bank account for the payment amount plus the processing fee, and you acknowledge that this authorization constitutes your explicit consent to these electronic fund transfers

      2. 2. Your bank to debit your account for the authorized amount

      3. 3. The real estate brokerage or property owner to receive the payment

    2. 5.2. Consent to Electronic Communications: You agree that we may communicate with you electronically regarding your payment, including sending confirmation emails, text messages, and notifications. You must provide accurate email addresses and phone numbers.

    3. 5.3. Recurring Payments: If you authorize recurring payments (such as monthly rent), you agree that we may initiate ACH transactions on the scheduled dates without requiring additional authorization for each payment. You may cancel recurring payments by contacting DepositLink at least three (3) business days before the next scheduled payment.

    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. 6. FEES

    1. 6.1. Processing Fee: We charge a non-refundable processing fee for each payment you submit through the Platform. This fee is charged to you, not to the real estate brokerage or property owner receiving the payment.

      Phone: 1-424-361-6558 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. When the Fee is Charged: The processing fee is charged at the time you authorize the payment. If your payment fails during initial security verification before being submitted to your bank, the processing fee will not be charged. If your payment fails after being submitted to your bank (for example, due to insufficient funds), the processing fee is non- refundable.

    3. 6.3. No Hidden Fees: We do not charge any additional fees beyond the processing fee. However, your bank may charge you fees for ACH transactions, overdrafts, or insufficient funds. Check with your bank regarding its fee schedule.

  7. 7. PAYMENT TIMING AND AVAILABILITY

    1. 7.1. Processing Time: ACH payments typically take 1-3 business days to be debited from your account and another 1-3 business days to be credited to the recipient. Total processing time is usually 2-5 business days.

    2. 7.2. No Same-Day Guarantee: We do not guarantee same-day, next-day, or instant payment processing. Do not use the Platform if you need immediate payment delivery.

    3. 7.3. Business Days: Business days are Monday through Friday, excluding federal holidays. Payments initiated on weekends or holidays will be processed on the next business day.

    4. 7.4. Bank Processing: The actual timing of when funds are debited from your account depends on your bank's processing schedule. We are not responsible for delays caused by your bank.

  8. 8. PAYMENT FAILURES AND RETURNS

    1. 8.1. Insufficient Funds: If your bank account has insufficient funds when we attempt to debit your payment, the payment will fail and may be returned. You remain responsible for the payment amount, and your bank may charge you an insufficient funds fee. The processing fee is non-refundable even if the payment fails.

    2. 8.2. Account Closed or Frozen: If your bank account is closed or frozen, the payment will fail. You remain responsible for the payment amount.

    3. 8.3. Stop Payment: If you place a stop payment order on a payment that you properly authorized through the Platform, you remain fully responsible for the payment amount and may be liable for damages caused by your stop payment. Placing a stop payment on an authorized transaction may constitute a breach of your payment obligations to the recipient and these Terms.

    4. 8.4. Returned Payments: If an authorized payment is returned for any reason after funds have been credited to the recipient, the recipient (or DepositLink on the recipient's behalf) may initiate a reversal transaction to recover the funds. You expressly authorize such reversal transactions as part of your use of the Platform. The return of an authorized payment does not relieve you of your underlying payment obligation to the recipient.

    5. 8.5. ACH Return Timeframe: Under ACH network rules, payments may be returned up to 60 days after the transaction date for certain limited reasons, primarily fraud or truly unauthorized transactions. However, payments that you have properly authorized through the Platform, including those you later regret or wish to reverse, are not considered "unauthorized transactions" under ACH rules or federal law.

  9. 9. REFUNDS AND DISPUTES

    1. 9.1. Refund Policy: The processing fee is non-refundable under all circumstances, except as required by law.

    2. 9.2. Disputes About the Underlying Transaction: If you have a dispute about the underlying real estate transaction (for example, you are not approved for the rental and want your security deposit refunded), you must resolve that dispute directly with the real estate brokerage, property owner, or landlord. DepositLink is not a party to your real estate transaction and cannot issue refunds for the payment amounts you send.

    3. 9.3. Refunds from Recipients: If the recipient of your payment agrees to refund your money, the refund will be processed back to your original bank account free of charge. Refund processing typically takes 3-5 business days. The processing fee is not refundable.

    4. 9.4. Unauthorized Transactions: If you believe a transaction was actually unauthorized or fraudulent (meaning you did not authorize it through the Platform), you have important rights under federal law. See Section 10 (Your Rights Under Federal Law) below. Note that transactions you authorized through the Platform but later regret or dispute are not "unauthorized transactions" under federal law.

  10. 10. YOUR RIGHTS UNDER FEDERAL LAW

    1. 10.1. Electronic Fund Transfer Act: Your rights under the Electronic Fund Transfer Act (EFTA) and Regulation E are described in detail in the separate Consumer Disclosure Statement provided to you before your first transaction. Please read that document carefully.

    2. 10.2. Unauthorized Transactions: If you believe a transaction was not authorized by you, contact us immediately using the contact information in Section 20 (How to Contact Us). You must notify us within 60 days after we sent you the first statement showing the unauthorized transaction.

    3. 10.3. Errors: If you believe an error has occurred (for example, the wrong amount was debited, a transaction is missing from your records, or you received an incorrect statement), contact us immediately. You must notify us within 60 days after we sent you the first statement showing the error.

    4. 10.4. Our Investigation: We will investigate your claim of unauthorized transaction or error within 10 business days and will resolve it within 45 days (or 90 days for certain types of errors). We will notify you of the results of our investigation.

    5. 10.5. Provisional Credit: If we need more than 10 business days to investigate your claim, we will provisionally credit your account within 10 business days while we complete our investigation (unless an exception applies).

  11. 11. PRIVACY AND DATA SECURITY

    1. 11.1. Privacy Policy: Our Privacy Policy, available at https://app.depositlink.com/terms?type=privacy, explains how we collect, use, and protect your personal information. By using the Platform, you agree to our Privacy Policy.

    2. 11.2. Bank Account Information: When you connect your bank account, your bank login credentials are not stored by DepositLink. Our 3rd party service providers securely verify your account and provide us with only the information necessary to process your payment (such as your account and routing numbers).

    3. 11.3. Security Measures: We implement industry-standard security measures to protect your information, including encryption, access controls, and secure data transmission protocols.

    4. 11.4. Data Breach: If we become aware of a data breach affecting your personal information, we will notify you in accordance with applicable law.

  12. 12. INTELLECTUAL PROPERTY

    The Platform, including all software, text, images, logos, and other content, is owned by DepositLink or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may use the Platform only for its intended purpose of submitting payments. You may not copy, modify, distribute, or create derivative works based on the Platform.

  13. 13. DISCLAIMERS

    1. 13.1. AS-IS Platform: HE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON- INFRINGEMENT.

    2. 13.2. No Guarantee of Availability: WE DO NOT GUARANTEE THAT THE PLATFORM WILL BE AVAILABLE AT ALL TIMES OR THAT YOUR PAYMENTS WILL BE PROCESSED WITHOUT ERROR OR DELAY.

    3. 13.3. Third-Party Services: WE ARE NOT RESPONSIBLE FOR THE ACTS OR OMISSIONS OF THIRD-PARTY PAYMENT PROCESSORS (DWOLLA, PLAID, ETC.), YOUR BANK, OR THE ACH NETWORK.

    4. 13.4. Real Estate Transactions: WE ARE NOT A PARTY TO YOUR REAL ESTATE TRANSACTION. WE DO NOT VERIFY THE LEGITIMACY OF PAYMENT REQUESTS, PROVIDE LEGAL OR REAL ESTATE ADVICE, OR GUARANTEE THAT YOU WILL RECEIVE THE SERVICES OR PROPERTY YOU ARE PAYING FOR.

  14. 14. LIMITATION OF LIABILITY

    1. 14.1. Exclusion of Certain Damages: TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION ARISING FROM YOUR USE OF THE PLATFORM.

    2. 14.2. Liability Cap: OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THE PLATFORM MUST NOT EXCEED THE AMOUNT OF FEES YOU PAID TO US IN THE SIX (6) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

    3. 14.3. Exceptions: SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THESE LIMITATIONS MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS OUR LIABILITY FOR FRAUD, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR VIOLATIONS OF APPLICABLE LAW.

  15. 15. INDEMNIFICATION

    You agree to indemnify, defend, and hold harmless DepositLink and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorneys' fees) arising from:

    1. 1. Your violation of these Terms

    2. 2. Your violation of any applicable law

    3. 3. Unauthorized transactions you initiate

    4. 4. Your disputes with real estate brokerages, property owners, or landlords

    5. 5. Any inaccurate information you provide

  16. 16. CHANGES TO THESE TERMS

    We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a notice on the Platform at least 30 days before the changes take effect. Your continued use of the Platform after the effective date of the updated Terms constitutes your acceptance of the changes.

    If you do not agree to the updated Terms, you must stop using the Platform.

  17. 17. DISPUTE RESOLUTION AND GOVERNING LAW

    1. 17.1. Governing Law: These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflicts of law principles.

    2. 17.2. Informal Resolution: If you have a dispute with us, please contact us first to try to resolve it informally.

    3. 17.3. Arbitration: If we cannot resolve the dispute informally, you agree that any dispute arising from these Terms or your use of the Platform will be resolved by binding arbitration administered by the American Arbitration Association in accordance with its Consumer Arbitration Rules. The arbitration will take place in Boston, Massachusetts.

    4. 17.4. Arbitration Fees: If you initiate arbitration, you will pay the filing fee required by the AAA unless you request a fee waiver and the AAA grants it. We will pay all other arbitration fees. Each party will pay its own attorneys' fees unless the arbitrator awards fees to the prevailing party.

    5. 17.5. Class Action Waiver: YOU AGREE THAT DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS ONLY AND NOT AS PART OF ANY CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

    6. 17.6. Small Claims Court: Notwithstanding the arbitration provision, you may bring an individual claim in small claims court if it qualifies. Actions must be brought in the courts of Boston, Massachusetts.

    7. 17.7. Exceptions: Either party may seek injunctive or equitable relief in court to protect intellectual property rights or confidential information.

  18. 18. TERMINATION

    1. 18.1. Your Right to Stop Using the Platform: You may stop using the Platform at any time. If you have recurring payments scheduled, you must cancel them at least three (3) business days before the next scheduled payment.

    2. 18.2. Our Right to Suspend or Terminate: We may suspend or terminate your access to the Platform at any time if:

      1. 1. You violate these Terms

      2. 2. We suspect fraudulent or unauthorized activity

      3. 3. Required by law or at the request of law enforcement

      4. 4. We discontinue the Platform

    3. 18.3.Effect of Termination: If your access is terminated, you remain responsible for any outstanding payments, fees, or obligations that arose before termination.

  19. 19. DISPUTE RESOLUTION AND GOVERNING LAW

    1. 19.1. Entire Agreement: These Terms, together with our Privacy Policy and Consumer Disclosure Statement, constitute the entire agreement between you and DepositLink regarding the Platform.

    2. 19.2. Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

    3. 19.3. No Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.

    4. 19.4. Assignment: You may not assign or transfer your rights under these Terms. We may assign our rights to any successor or affiliate.

    5. 19.5. No Agency: You are not our agent, partner, or representative. You do not have authority to bind us in any way.

    6. 19.6. Force Majeure: We are not liable for any delay or failure to perform due to events beyond our reasonable control, including acts of God, war, terrorism, pandemics, internet failures, or government actions.

    7. 19.7. Notices: We will send notices to you at the email address or phone number you provided. You must keep your contact information current.

  20. 20. HOW TO CONTACT US

    If you have questions about these Terms or need to report an unauthorized transaction or error, contact us:

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

    2. Email: support@depositlink.com Phone: (424) 361-6558 Support Hours: M-F 9am-9pm Weekends 11am – 3pm. All times are EST.

    For unauthorized transactions or errors, you must notify us within 60 days of the date we sent you the first statement showing the problem.


BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.

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