Terms of Use

1. Acceptance of Terms

By creating an account, accessing, or using the Daltra dealer portal, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our platform.

If you are using the platform on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and the entity.

2. Description of Service

Daltra provides a dealer portal platform for automotive dealerships to:

• Submit and track auto finance deals
• Monitor portfolio performance and analytics
• View funding status and payment information
• Execute Master Dealer Agreements electronically via DocuSign
• Manage store locations, users, and access permissions
• Receive notifications about deal status and important updates via email and SMS

The platform is designed for use by authorized representatives of automotive dealerships who have entered into a Master Dealer Agreement with Daltra Capital.

3. SMS/Text Message Terms

Consent to Receive Messages

By providing your mobile phone number and opting in to SMS notifications during account registration, through your account settings, or by texting a keyword to our short code, you expressly consent to receive recurring SMS text messages from Daltra Capital, LLC at the mobile phone number you provided. You agree that text messages may be sent using an automatic telephone dialing system or other automated technology. You are not required to consent to receive text messages as a condition of purchasing any goods or services, and you may use our dealer portal without opting in to SMS notifications.

Types of Messages

You may receive text messages regarding:

• Deal submission confirmations and status updates
• Funding notifications and payment alerts
• Document and stipulation requests
• Account security alerts and verification codes
• Important service announcements affecting your account

Sample Messages

Examples of messages you may receive include:

• "Daltra Capital: Your deal #12345 for John Smith has been approved. Log in to view details."
• "Daltra Capital: Deal #12345 has been funded. $15,000 will be deposited within 1-2 business days."
• "Daltra Capital: Action required - additional documents needed for deal #12345. Reply HELP for assistance or STOP to opt out."

Message Frequency

Message frequency varies based on your deal activity and account events. On average, active dealers may receive approximately 2-10 messages per week during periods of deal activity. You may receive fewer messages during slower periods. We only send messages that are directly related to your business operations and dealer account.

Message and Data Rates

Message and data rates may apply. Your mobile carrier's standard messaging rates will apply to any messages you send or receive. Daltra Capital does not charge you for text messages sent to your phone, but you are responsible for any charges from your mobile carrier. Please contact your mobile carrier for pricing details.

Opting Out

You may opt out of receiving text messages at any time by replying STOP to any message from us. You may also text STOP, CANCEL, END, QUIT, or UNSUBSCRIBE to cancel. After opting out, you will receive a single confirmation message stating: "You have successfully been unsubscribed. You will not receive any more messages from Daltra Capital. Reply HELP for help." You may also opt out by updating your notification preferences in your account settings or by contacting us at support@mydaltra.com.

Opting Back In

If you have opted out and wish to receive text messages again, you may opt back in by updating your notification preferences in your account settings or by texting START or YES to our messaging number.

Help

For assistance with text messages, reply HELP to any message. You will receive a response with support information: "Daltra Capital SMS Help: For assistance, contact support@mydaltra.com or visit portal.mydaltra.com. Reply STOP to cancel messages." You may also contact us at support@mydaltra.com.

Supported Carriers

Our SMS service is compatible with most major U.S. mobile carriers, including but not limited to AT&T, Verizon, T-Mobile, Sprint, U.S. Cellular, and other regional carriers. T-Mobile is not liable for delayed or undelivered messages.

Carrier Liability

Carriers are not liable for delayed or undelivered messages. Daltra Capital is not responsible for messages that are not delivered due to carrier network issues, changes to your phone number, incorrect phone numbers provided, or device incompatibility.

Privacy and Data Protection

We respect your privacy. Your mobile phone number will not be sold, rented, or shared with third parties for their marketing purposes. We will only use your phone number to send you messages related to your Daltra dealer account as described in these Terms and our Privacy Policy. For more information on how we handle your personal information, please review our Privacy Policy.

4. User Accounts and Registration

Account Creation

To access the platform, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

Account Hierarchy

Our platform supports different user roles within dealer organizations:

• Dealer Principals: Full access to dealer group data, all stores, and user management
• Regional Managers: Access to assigned stores and their associated data
• Store Users: Access to specific store data and deal submission

Account Security

You must immediately notify us of any unauthorized use of your account or any other security breach. Daltra will not be liable for any loss arising from unauthorized use of your account.

5. User Responsibilities

By using our platform, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Comply with all applicable laws and regulations
• Use the platform only for its intended business purposes
• Ensure that users you invite or authorize comply with these Terms
• Not share your account access with unauthorized individuals
• Report any suspected security breaches or unauthorized access

6. Prohibited Activities

You may not use the platform to:

• Violate any applicable laws, regulations, or third-party rights
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the platform's operation or security
• Reverse engineer, decompile, or disassemble any part of the platform
• Use automated systems or software to access the platform without permission
• Transmit viruses, malware, or other harmful code
• Harvest or collect information about other users without consent
• Use the platform for any purpose other than legitimate business activities

7. Master Dealer Agreement

Your use of our financing services is governed by the Master Dealer Agreement ("MDA") between your dealership and Daltra Capital. The MDA contains important terms regarding:

• Deal submission and approval processes
• Funding terms and conditions
• Reserve and profit participation arrangements
• Compliance and documentation requirements
• Representations and warranties

In the event of any conflict between these Terms and the MDA, the MDA shall govern with respect to financing-related matters.

8. Intellectual Property

The Daltra platform, including its design, features, content, logos, and trademarks, is owned by Daltra Capital and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the platform for its intended purposes.

You may not copy, modify, distribute, sell, or lease any part of our platform or its content, nor may you reverse engineer or attempt to extract the source code of our software.

9. Confidentiality

You agree to maintain the confidentiality of:

• Your account credentials and access information
• Proprietary information about Daltra's business processes and pricing
• Customer and deal information accessed through the platform
• Any other information designated as confidential

This obligation survives termination of your account or these Terms.

10. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, DALTRA DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the platform will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy or reliability of any information obtained through the platform

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DALTRA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use the platform
• Damages resulting from unauthorized access to your account or data

Our total liability for any claim arising from these Terms or your use of the platform shall not exceed the amounts paid by you to Daltra in the twelve (12) months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Daltra and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to your use of the platform, violation of these Terms, or infringement of any third-party rights.

13. Termination

We may suspend or terminate your access to the platform at any time, with or without cause or notice, including if we believe you have violated these Terms. Upon termination:

• Your right to access and use the platform will immediately cease
• We may delete or retain your data in accordance with our Privacy Policy and legal obligations
• Provisions that by their nature should survive will remain in effect

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal action or proceeding arising from these Terms shall be brought exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of such courts.

15. Dispute Resolution

Before initiating any legal proceeding, you agree to first contact us and attempt to resolve any dispute informally. If we are unable to resolve the dispute within thirty (30) days, either party may proceed with formal legal action.

For disputes arising under or related to the Master Dealer Agreement, the dispute resolution provisions of that agreement shall control.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the platform and updating the "Last Updated" date. Your continued use of the platform after any changes constitutes your acceptance of the modified Terms. If you do not agree to the changes, you must stop using the platform.

16. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy and any applicable Master Dealer Agreement, constitute the entire agreement between you and Daltra.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.

17. Contact Information

If you have questions about these Terms, please contact us: