Payments and Refunds Policy

This policy governs subscription payments, the Security Deposit, broker fees and other payments made on the RCA Auto Broker platform. It forms part of the Terms and Conditions; capitalized terms have the meaning given there.

This English version is adapted from the Spanish original. In case of discrepancy, the Spanish version prevails.

Card payments are processed through a certified payment processor; RCA does not store your full card details. Some payments may be made by bank transfer or Zelle, as indicated on the Platform. All amounts are in US dollars (USD) unless stated otherwise. Your bank may charge its own fees or currency conversion fees, which are your responsibility.

• Free: $0.
• Pro: $37/month or $310/year.
• Dealer: $97/month or $815/year, with $50 off the Broker fee on every purchase.

The prices shown on the Platform at the time you subscribe are the prices that apply. RCA may change prices for future billing periods with reasonable advance notice; the change will apply from your next renewal. Founding accounts keep their legacy rate as long as their subscription stays active without interruption.

Subscriptions renew automatically at the end of each billing period (monthly or annual) and are charged to your payment method on file until you cancel. By subscribing, you authorize these recurring charges.

You can cancel at any time from your profile. Cancellation stops the next renewal; you keep your plan benefits until the end of the period you already paid for, after which your account moves to the Free plan.

If a renewal charge fails, we'll notify you and try again. If we cannot process the payment after 3 attempts, or 7 days after the first failure (whichever comes first), your account automatically moves to the Free plan. Your account is never deleted and your access to the Platform is never blocked because of this — you simply lose the paid plan's benefits until you update your payment method. A founding account that loses its subscription for non-payment may lose its legacy rate.

Subscription payments are non-refundable, in whole or in part, including unused periods, unused features and annual plans canceled before they end, except as expressly stated in this policy or required by applicable law. If you were charged by mistake (for example, a duplicate charge), contact us and we'll fix it.

7.1 What it is. The Security Deposit is an amount you voluntarily deposit as a guarantee of your commitment to buy before RCA bids for you. It is your money, not RCA revenue: it shows as a balance in your account ("Deposit Balance"), and RCA manages it only for the purposes set out in this section.

7.2 Amount per bid. Each bid places a hold on your available balance equal to the greater of $1,000 or 10% of your maximum bid. That amount stays on hold (unavailable for other bids or withdrawal) while the bid is in progress.

7.3 Funding. You can fund your deposit by card, bank transfer or Zelle. If you pay by card, before you confirm you'll see an additional card processing fee, separate from the deposit amount, which covers what the processor keeps and is non-refundable. No such fee applies to bank transfers or Zelle.

7.4 Refunds. Your Security Deposit is 100% refundable. The only amount RCA keeps is the card processing fee, when it applies — never a percentage of the deposit itself. You may request a refund of your available balance at any time when you have no bid in progress and no purchase pending payment. Refunds are issued to the same method you used to fund the deposit, subject to each bank's or processor's processing times, which are outside RCA's control.

7.5 How the deposit is used. If you win, the held amount is automatically applied to your purchase total. If your bid is outbid, canceled or expires, the held amount returns to your balance immediately and at no cost. If a bid could not be placed or was canceled because of a technical failure on RCA's side, the amount also returns to your balance.

7.6 Unpaid purchases. If you win an auction and do not complete payment by the stated deadline, RCA may apply your deposit to cover the fees, penalties, storage and losses imposed by the Auction or incurred by RCA as a result, and you remain responsible for any shortfall.

8.1 Ownership. You represent and warrant that you are the rightful holder of any card, bank account or payment method you use, or that you have the holder's express permission, and that the funds come from a lawful source.

8.2 Verification. RCA may request additional verification (ID, proof of ownership of the payment method or other reasonable documentation) before crediting, releasing or refunding a deposit when there is a reasonable suspicion of fraud, unauthorized use, identity theft or money laundering. While verification is pending, RCA may hold the deposit, suspend the related bid or suspend the account, without liability to the user.

8.3 Fraudulent payment methods. If RCA determines, or the bank or processor notifies RCA, that the payment method used was stolen, cloned, used without the holder's permission or is otherwise fraudulent, RCA has no obligation to refund those funds to the person who deposited them or to apply them to any purchase. In that case, RCA may: (a) return the funds to the affected rightful holder; (b) hold them while the dispute with the bank, processor or authority is resolved; (c) report the matter to the authorities; and (d) immediately cancel any related bid, offer or purchase.

If you have any concern about a charge or deposit, you agree to contact RCA support first to resolve it directly. Filing a chargeback or bank dispute in bad faith over a legitimately processed charge is a material breach of the Terms. In that case, RCA may suspend or close the account; offset the chargeback amount, its fees and related costs against any balance, deposit or pending payment of the user; and pursue any collection or legal action available to recover its losses.

You agree to indemnify and hold harmless RCA Auto Sales LLC, Car Dealer Academy LLC and their members, employees and representatives from any claim, fine, chargeback, loss or expense (including reasonable attorneys' fees) arising from the unlawful, fraudulent or unauthorized origin of the funds or payment methods you use.

Except in the fraud cases described in this policy, RCA's liability for any dispute relating to a Security Deposit is limited to the amount of the deposit actually at issue.

For each purchase won through an Assisted bid, RCA charges a fee based on the final sale price:

1. $250 if the final price is up to $5,000.
2. $350 if the final price is $5,001 to $10,000.
3. $500 if the final price is $10,001 to $20,000.
4. $700 if the final price is $20,001 or more.

Dealer customers receive $50 off per purchase, and founding members pay the special rate in effect for that category. The tiers published on the Platform at the time you bid apply. The fee is earned when the vehicle is awarded and is non-refundable, unless the Auction voids the sale through no fault of the user.

Auction purchases are final: no cancellations, exchanges or returns. In addition to the lot price and the Broker fee, you are responsible for Auction fees, storage, inland and ocean shipping, paperwork, title services, duties, taxes and any other applicable costs, as shown on the Platform or on the corresponding invoice.

If the Auction voids a sale or the seller fails to deliver the vehicle, RCA will refund the amounts received for that purchase that the Auction actually returns, with no further liability.

If, because of a software, data or human error, the Platform displays an obviously incorrect price, fee, commission, tax or total, that amount is not binding and RCA may correct it, even after the transaction is confirmed, by offering you the option to proceed at the correct amount or cancel and receive a refund of what you paid for that item.

RCA is not responsible for delays or failures of banks, payment processors, Zelle or other financial intermediaries, or for charges declined by your bank. If a charge is processed twice because of a technical failure, we will refund it once detected or upon your request.

Prices do not include taxes unless stated otherwise. You are responsible for any taxes, duties and government charges that apply to your purchases and to the import of vehicles. In the Dominican Republic, the final amount is determined by the Dominican Customs Agency (DGA); the Platform's estimates are for reference only.

For questions about payments, refunds or deposits, contact us through the support system inside the Platform or at info@rcaautobroker.com.